{"metadata":{"transaction_key":"deprecated","request_id":"94e14fea-7861-4424-8f20-c272d5f027c5","sha256":"a65fa6619c30f5dc3f53952679afb20726f9307047bf1383c9a9f59c17ae9778","created":"2026-03-31T05:45:23.977Z","duration":853.4879,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":3339,"output_tokens":111},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3743,"output_tokens":3751},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":3743,"output_tokens":234}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Daniel. It's Paul calling from ICU Financial. How are you today? Yeah. Not too bad at all. Thanks for asking. I just scheduled in for a bit of a catch up. Yep. Yep. Yeah. I know what you mean. Just before I discuss your your personal details, I don't know if I could just pass you through security there with that name, date of birth, and current address. Perfect. Thank you for that one. Yeah. So within regards to that one, because you have paid off the mortgage, you would be paying obviously, tax on the rent because, you know, offsetting any sort of debt. So what you'd be talking about is, like, selling and then purchasing another property basically to negatively gear again. So in term obviously, with the current market and the way interest rates are going, it's sort of probably be worth chatting to a mortgage broker and what they sort of see the market's doing with that one in terms of, like, a, you know, growth perspective in getting return on capital and in regards to paying down the debt. You're right. In terms of, like, having good debt through another property and potentially upgrading your investment property or even in the sense that you could look at potentially just using the equity in your your current home or the investment property to purchase another property as well with that one. So that's the old sort of questions in regards to that because, obviously, when selling and buying, you've got to worry about the capital gains that you'd be paying on the property plus yeah. And then what would you pay for that originally? Yes. So with that, even owning it for over the the twelve year twelve month mark, you get, like, a CDT discount, but then it's proportionated as well for how long it was a primary residence versus what was an investment property. Okay. So, yeah, there there might not be a whole lot of CPT payable on that one. But, again, that's sort of more of a mortgage broker's realm in terms of, like, what you could sell it for, what the market's looking like, where you'd wanna buy. And with the it yep. Yeah. Yeah. And then, like, with that, those are sort of, like, questions obviously in regards to what a mortgage broker might think in terms of, like, the what the markets might do. The, obviously, short term things with that, if you were to sell it, you're right in the sense that you wouldn't be paying any sort of tax on the the rental income. But then the only thing you'd be getting as a return is how much that property or, like, money offsets your primary residence. I'm not too sure if you're on a or a variable at the moment, but that's the sort of money that you'd be somewhat invested is in reducing that debt and lowering that effective interest repayment that you're paying on the primary residence as opposed to, you know, generating that passive income through that property and then whatever capital value you get out of that property as well if it was to still increase moving forward. Yeah. It's yeah. It is sort of a double edged sword either way you go. Like, obviously, the benefit is is you're not paying as much on your primary residence. You can probably ease the the cost of living at the moment. In relation to that as well, you probably might, depending on where you're sort of located, struggle to find a buyer for what you want given that, you know, the interest rate and inflation is going up, cost of living is going up. And, yeah, at least with attending there, although you are paying tax, you like, you're making money at the end of the day. Plus if you hold that long term, the benefit of that is, obviously, you know, you've held it, you know, since you were 17. It's gone from 68 to $4.50. So even if it did take a decrease after, you know, the events that happen with inflation rising, there is a chance, you know, if you do hold it for the next sort of ten or so years, that it's still gonna be up from where it is now as a property investment. And then, yeah, there is the option if you can sort of service a future loan just having another investment property in your name to if your main concern was, you know, the amount of income you're bringing in versus the taxes that you're offsetting. So there's, yeah, there's a few different options there for you in terms of, like, the way you can look at it and then what you sort of value more. And then we can even refer you on to a mortgage broker and sort of get an opinion based on the markets and what they think or maybe what you can get for it and what maybe is out there in terms of if you did wanna look at buying again. Yep. And from, like, obviously, you know, the few different things there, if you like, is there one that sort of jumps out to you more? Is there one that sort of you feel like? Yep. Yeah. Like, the commercial space? Yeah. Because even then, like, when you have a discussion with a mortgage broker, can they can sort of even let you know your serviceability of a new loan, what that might look like based on your current situation then versus, like, selling the property as well and then what that sort of looks like. Because, obviously, in terms of, like, your income versus what you're saving, as a household, you've got quite a number of savings sitting there as well. So you're obviously, based on your current situation, able to to pay your current mortgage repayments. So even then, it becomes a matter of fact of, like, if you did sell that property, put it on the the primary residence and you aren't sort of doing anything like that, you're gonna have a bit more disposable income. And will you be putting that towards the mortgage more future investments, or will you just sort of, you know, up your spending a little bit as well, which tends to happen when you got a bit more free cash flow? So those are all things to to consider. We can obviously make that referral. I'll email through a referral to a local mortgage broker we've got here just with your general situation, what you might be looking to do, and you can have a discussion with them to see how, yeah, you might wanna work things if you feel like it might be in your favor. Obviously, in regards to if your main concern is, you know, offsetting that and having something negatively geared, the only sort of way to do that potentially is just to have another investment of sort of a high capital investment property. And if you did wanna just sort of sell it, not worry about it, and not be invested in in property for a while, you can have a discussion with us about potential, like just investment IDPS accounts or, you know, setting up a few things for the children for their future, like some investment bonds, things like that, or something for, like, an earlier sort of retirement and having that invested in, like, a tax effective manner to be drawn down on in, like, 10 when you're sitting hitting around that 55 mark and maybe you wanna do, you know, a trip to to Italy before you you're too old and don't wanna sort of walk the the steps you do over there. But I'll pass that along. And then if after you have a conversation, then wanna have another chat and around the potential options you've got there once you get that information. Because, obviously, in regards to the the market and the actual property space, they'd be able to give you a better indication of what you might be able to sell for with everything going on and everything as well. And then, also, they could potentially look at, like, a a refinance and things like that. But, obviously, with the current market and the interest rate, everything going up might not be the the best time, but that might be a yeah. Yeah. Well, it just it's just one of those things like you've you've paid it off. It's you're still getting capital growth out of it. Obviously, if it takes a little bit of a dip with what's currently happening, it doesn't matter if you're still planning on holding it long term and you are still getting an income out of that. Another option, obviously, with your your self employed business and things like that is just upping, you know, your expansion expenditure to where you're not earning as much as a self employed person, and you're getting a bit of more growth out of your your business because you don't have any debt currently in that. So that potentially could be something you could have a discussion with your accountant on how much you wanna potentially grow that. And if, you know, upping the expenditure a little bit offsets that income that you are earning from the investment property and you get a little bit of expansion out of your business, whether that be building a shed or things like that for the growth of your company. Yeah. So there's definitely like, there's no no one way about it. It sort of depends what you do wanna achieve. And if you sort of just comfortable, you know, selling and having on the mortgage, that's one thing versus, like, other ways to sort of potentially keep it and maybe just keep leveraging a little bit more given the current times there as well. But I'll make that referral through. You can have a discussion with them about what you potentially wanna do. And then if you, you know, make up your mind or if you have a discussion with your account and you don't wanna sort of build on your your business much more and lowering that income or drawing a bit less because, obviously, being self employed, whatever you earn is, you know, that what you take home income is. Whereas if you're spending it, it's an expense at that point to growing your business. Not a problem. Well, is there any other questions you've got in regards to that at all? Yeah. Obviously, like, it probably just broadened what you had to think about a little bit more. But yeah. And then you can have a chat with your your partner and potentially how you wanna move forward with that and what you're comfortable with because it's not all at the end of the day, it's not all about, you know, saving saving on tax. It's probably you gotta think long term as well. Yeah. Because with that, you're obviously diversified across a couple of properties. It's all in the primary residence. You know, if anything happens, you've like, that's just where you live at the end of the day. It's not like you can sell that one. Worst case scenario, and you can definitely still afford to keep it even if you are paying a little bit more tax at the the moment. And like you said, yeah, like you said, that your kids might want a bit of extra room once they get a bit older as well down the track. But, yeah, definitely plenty of other ways. The mortgage broker might give you a little bit more information potentially about and just leverage that and then taking on a bit more more debt if that's the way you sort of wanna work it. And then, yeah, you can have a discussion with your account, and they'll come back to us if you do wanna just look at the investment side of things and getting rid of it at the end of the day. Not a problem at all, Daniel. Well, thanks for your time. We'll send that email after this call. But anything else, feel free to email in or get in contact with us or if you do wanna look at some other investment options. There you go, mate. Well, thanks for your time. I'll catch you later. Bye.","confidence":0.99765563,"words":[{"word":"good","start":2.56,"end":2.72,"confidence":0.9984837,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.3412075936794281},{"word":"afternoon","start":2.72,"end":3.12,"confidence":0.9955246,"punctuated_word":"afternoon,","sentiment":"neutral","sentiment_score":0.23029059171676636},{"word":"daniel","start":3.12,"end":3.36,"confidence":0.998781,"punctuated_word":"Daniel.","sentiment":"neutral","sentiment_score":0.23499658703804016},{"word":"it's","start":3.36,"end":3.6799998,"confidence":0.9984547,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2610349655151367},{"word":"paul","start":3.6799998,"end":3.84,"confidence":0.34343857,"punctuated_word":"Paul","sentiment":"neutral","sentiment_score":0.2508508563041687},{"word":"calling","start":3.84,"end":4.08,"confidence":0.9901315,"punctuated_word":"calling","sentiment":"neutral","sentiment_score":0.2148154377937317},{"word":"from","start":4.08,"end":4.24,"confidence":0.99719197,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.19086629152297976},{"word":"icu","start":4.24,"end":4.48,"confidence":0.35961503,"punctuated_word":"ICU","sentiment":"neutral","sentiment_score":0.1590421348810196},{"word":"financial","start":4.48,"end":4.96,"confidence":0.99241453,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.20788320899009705},{"word":"how","start":4.96,"end":5.04,"confidence":0.9999479,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.24062274396419525},{"word":"are","start":5.04,"end":5.2,"confidence":0.9997919,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2391575127840042},{"word":"you","start":5.2,"end":5.2799997,"confidence":0.9999403,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2617514133453369},{"word":"today","start":5.2799997,"end":5.7799997,"confidence":0.99988174,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.2527639865875244},{"word":"yeah","start":7.68,"end":8.0,"confidence":0.95223916,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2577267587184906},{"word":"not","start":8.0,"end":8.16,"confidence":0.99949336,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.3852388858795166},{"word":"too","start":8.16,"end":8.24,"confidence":0.99905854,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.2315504550933838},{"word":"bad","start":8.24,"end":8.48,"confidence":0.99982786,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":0.2898196280002594},{"word":"at","start":8.48,"end":8.559999,"confidence":0.9985031,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3429130017757416},{"word":"all","start":8.559999,"end":8.72,"confidence":0.99955344,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.4132428765296936},{"word":"thanks","start":8.72,"end":8.96,"confidence":0.9992211,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.6920034289360046},{"word":"for","start":8.96,"end":9.12,"confidence":0.9998005,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6944223046302795},{"word":"asking","start":9.12,"end":9.44,"confidence":0.9997528,"punctuated_word":"asking.","sentiment":"positive","sentiment_score":0.6063869595527649},{"word":"i","start":9.44,"end":9.599999,"confidence":0.7042367,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23183955252170563},{"word":"just","start":9.599999,"end":9.76,"confidence":0.8207281,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3065635859966278},{"word":"scheduled","start":9.76,"end":10.0,"confidence":0.9065736,"punctuated_word":"scheduled","sentiment":"positive","sentiment_score":0.3399485945701599},{"word":"in","start":10.0,"end":10.16,"confidence":0.94090307,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.31700700521469116},{"word":"for","start":10.16,"end":10.24,"confidence":0.9992969,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2354041337966919},{"word":"a","start":10.24,"end":10.32,"confidence":0.9866518,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2325216680765152},{"word":"bit","start":10.32,"end":10.48,"confidence":0.999683,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.19617696106433868},{"word":"of","start":10.48,"end":10.559999,"confidence":0.9993362,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27236106991767883},{"word":"a","start":10.559999,"end":10.639999,"confidence":0.9930396,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3338426351547241},{"word":"catch","start":10.639999,"end":10.88,"confidence":0.9998024,"punctuated_word":"catch","sentiment":"positive","sentiment_score":0.3835688829421997},{"word":"up","start":10.88,"end":11.38,"confidence":0.9695091,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.2637351453304291},{"word":"yep","start":18.095001,"end":18.595001,"confidence":0.9907911,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.05299331992864609},{"word":"yep","start":49.58,"end":50.08,"confidence":0.7690859,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.012457693926990032},{"word":"yeah","start":51.100002,"end":51.600002,"confidence":0.8158078,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.015434551984071732},{"word":"i","start":51.66,"end":51.82,"confidence":0.9897876,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.058814335614442825},{"word":"know","start":51.82,"end":51.98,"confidence":0.9994742,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.04164842143654823},{"word":"what","start":51.98,"end":52.14,"confidence":0.9761326,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.050657421350479126},{"word":"you","start":52.14,"end":52.22,"confidence":0.99986446,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03441476449370384},{"word":"mean","start":52.22,"end":52.460003,"confidence":0.99974704,"punctuated_word":"mean.","sentiment":"neutral","sentiment_score":-0.02985919453203678},{"word":"just","start":52.460003,"end":52.7,"confidence":0.9983652,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.04466079920530319},{"word":"before","start":52.7,"end":53.02,"confidence":0.99990904,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.04158831760287285},{"word":"i","start":53.02,"end":53.100002,"confidence":0.9965497,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.039034828543663025},{"word":"discuss","start":53.100002,"end":53.420002,"confidence":0.99826485,"punctuated_word":"discuss","sentiment":"neutral","sentiment_score":-0.03463321179151535},{"word":"your","start":53.420002,"end":53.74,"confidence":0.71449655,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03164991736412048},{"word":"your","start":53.74,"end":53.9,"confidence":0.91674876,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.03811211138963699},{"word":"personal","start":53.9,"end":54.22,"confidence":0.9994487,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.032986219972372055},{"word":"details","start":54.22,"end":54.46,"confidence":0.78050184,"punctuated_word":"details,","sentiment":"neutral","sentiment_score":-0.054759301245212555},{"word":"i","start":54.46,"end":54.7,"confidence":0.577248,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.047700800001621246},{"word":"don't","start":54.7,"end":54.86,"confidence":0.6482686,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05246585234999657},{"word":"know","start":54.86,"end":54.940002,"confidence":0.9684728,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.07971706241369247},{"word":"if","start":54.940002,"end":55.020004,"confidence":0.97295535,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03721362352371216},{"word":"i","start":55.020004,"end":55.100002,"confidence":0.9953537,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.024789556860923767},{"word":"could","start":55.100002,"end":55.260002,"confidence":0.8702862,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.017349723726511},{"word":"just","start":55.260002,"end":55.420002,"confidence":0.98850584,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.004961356520652771},{"word":"pass","start":55.420002,"end":55.66,"confidence":0.9046695,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.017881210893392563},{"word":"you","start":55.66,"end":55.82,"confidence":0.9834879,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.001407738775014877},{"word":"through","start":55.82,"end":56.06,"confidence":0.9988399,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.006977416574954987},{"word":"security","start":56.06,"end":56.46,"confidence":0.9849017,"punctuated_word":"security","sentiment":"neutral","sentiment_score":-0.006202757358551025},{"word":"there","start":56.46,"end":56.7,"confidence":0.9985606,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.003571297973394394},{"word":"with","start":56.7,"end":56.86,"confidence":0.9504666,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.006209969520568848},{"word":"that","start":56.86,"end":57.02,"confidence":0.9996909,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024060819298028942},{"word":"name","start":57.02,"end":57.260002,"confidence":0.981107,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":-0.0006241258233785629},{"word":"date","start":57.260002,"end":57.34,"confidence":0.9994899,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.011631233617663383},{"word":"of","start":57.34,"end":57.5,"confidence":0.9900462,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.005125168710947037},{"word":"birth","start":57.5,"end":57.66,"confidence":0.9718952,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.006384311243891716},{"word":"and","start":57.66,"end":57.82,"confidence":0.99909616,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0011715777218341827},{"word":"current","start":57.82,"end":58.06,"confidence":0.9504552,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.009871777147054672},{"word":"address","start":58.06,"end":58.56,"confidence":0.9395466,"punctuated_word":"address.","sentiment":"neutral","sentiment_score":-0.006069224327802658},{"word":"perfect","start":67.435,"end":67.835,"confidence":0.9974354,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5560610890388489},{"word":"thank","start":67.835,"end":68.075,"confidence":0.99965227,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6520482897758484},{"word":"you","start":68.075,"end":68.235,"confidence":0.99992204,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6790814995765686},{"word":"for","start":68.235,"end":68.395004,"confidence":0.9996544,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6544724702835083},{"word":"that","start":68.395004,"end":68.555,"confidence":0.99988544,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6402203440666199},{"word":"one","start":68.555,"end":69.055,"confidence":0.99979436,"punctuated_word":"one.","sentiment":"positive","sentiment_score":0.6050978302955627},{"word":"yeah","start":70.235,"end":70.475,"confidence":0.7598839,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04264303296804428},{"word":"so","start":70.475,"end":70.795,"confidence":0.99818367,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05965789034962654},{"word":"within","start":70.795,"end":71.195,"confidence":0.9476462,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.08511243760585785},{"word":"regards","start":71.195,"end":71.354996,"confidence":0.9888337,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.07460799813270569},{"word":"to","start":71.354996,"end":71.515,"confidence":0.84466493,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0795040875673294},{"word":"that","start":71.515,"end":71.675,"confidence":0.99867415,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06328427046537399},{"word":"one","start":71.675,"end":71.835,"confidence":0.90585554,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.09616829454898834},{"word":"because","start":71.835,"end":72.155,"confidence":0.9996427,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06444302201271057},{"word":"you","start":72.155,"end":72.315,"confidence":0.9997789,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08684225380420685},{"word":"have","start":72.315,"end":72.635,"confidence":0.9996443,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.058593299239873886},{"word":"paid","start":72.635,"end":72.955,"confidence":0.99982375,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.0961812287569046},{"word":"off","start":72.955,"end":73.275,"confidence":0.9996069,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.11398690193891524},{"word":"the","start":73.275,"end":73.515,"confidence":0.99937457,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09928794205188753},{"word":"mortgage","start":73.515,"end":73.915,"confidence":0.99066526,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":-0.09941334277391434},{"word":"you","start":73.915,"end":74.075,"confidence":0.9976539,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2168285995721817},{"word":"would","start":74.075,"end":74.315,"confidence":0.9996389,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.173276886343956},{"word":"be","start":74.315,"end":74.555,"confidence":0.9986291,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1660805344581604},{"word":"paying","start":74.555,"end":75.055,"confidence":0.9998368,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.1950236409902573},{"word":"obviously","start":75.43,"end":75.829994,"confidence":0.98298395,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.15887531638145447},{"word":"tax","start":75.829994,"end":76.31,"confidence":0.9996489,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.119817852973938},{"word":"on","start":76.31,"end":76.549995,"confidence":0.99989855,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.168411523103714},{"word":"the","start":76.549995,"end":76.78999,"confidence":0.99993944,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11829657107591628},{"word":"rent","start":76.78999,"end":77.28999,"confidence":0.99973327,"punctuated_word":"rent","sentiment":"neutral","sentiment_score":-0.10251122713088988},{"word":"because","start":77.42999,"end":77.829994,"confidence":0.67157865,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.1321881115436554},{"word":"you","start":77.829994,"end":78.07,"confidence":0.9989496,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1695162057876587},{"word":"know","start":78.07,"end":78.31,"confidence":0.9966949,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1437879204750061},{"word":"offsetting","start":78.31,"end":78.78999,"confidence":0.99946064,"punctuated_word":"offsetting","sentiment":"neutral","sentiment_score":-0.17338860034942627},{"word":"any","start":78.78999,"end":79.03,"confidence":0.9998559,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.14480280876159668},{"word":"sort","start":79.03,"end":79.189995,"confidence":0.9993492,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.12363983690738678},{"word":"of","start":79.189995,"end":79.35,"confidence":0.98799986,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16656620800495148},{"word":"debt","start":79.35,"end":79.85,"confidence":0.98463696,"punctuated_word":"debt.","sentiment":"neutral","sentiment_score":-0.2238413393497467},{"word":"so","start":79.909996,"end":80.149994,"confidence":0.99960476,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.12212643027305604},{"word":"what","start":80.149994,"end":80.229996,"confidence":0.99694496,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.15236803889274597},{"word":"you'd","start":80.229996,"end":80.46999,"confidence":0.9997102,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.13838715851306915},{"word":"be","start":80.46999,"end":80.63,"confidence":0.9996811,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.09982207417488098},{"word":"talking","start":80.63,"end":81.03,"confidence":0.9998889,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.07322661578655243},{"word":"about","start":81.03,"end":81.42999,"confidence":0.9996784,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.3277015686035156},{"word":"is","start":81.42999,"end":81.75,"confidence":0.9179001,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":-0.3307245373725891},{"word":"like","start":81.75,"end":82.25,"confidence":0.9971125,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.31410878896713257},{"word":"selling","start":82.31,"end":82.63,"confidence":0.9997571,"punctuated_word":"selling","sentiment":"negative","sentiment_score":-0.41013529896736145},{"word":"and","start":82.63,"end":82.869995,"confidence":0.98708713,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.3982777595520019},{"word":"then","start":82.869995,"end":83.03,"confidence":0.998478,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.2949671745300293},{"word":"purchasing","start":83.03,"end":83.509995,"confidence":0.9998487,"punctuated_word":"purchasing","sentiment":"negative","sentiment_score":-0.4525894522666931},{"word":"another","start":83.509995,"end":83.909996,"confidence":0.9998616,"punctuated_word":"another","sentiment":"negative","sentiment_score":-0.4244044423103333},{"word":"property","start":83.909996,"end":84.409996,"confidence":0.99982363,"punctuated_word":"property","sentiment":"negative","sentiment_score":-0.3702166676521301},{"word":"basically","start":85.27,"end":85.77,"confidence":0.78581905,"punctuated_word":"basically","sentiment":"negative","sentiment_score":-0.4291740953922272},{"word":"to","start":85.829994,"end":86.229996,"confidence":0.99050224,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4552859961986542},{"word":"negatively","start":86.229996,"end":86.729996,"confidence":0.9976115,"punctuated_word":"negatively","sentiment":"negative","sentiment_score":-0.38145574927330017},{"word":"gear","start":86.869995,"end":87.189995,"confidence":0.9962572,"punctuated_word":"gear","sentiment":"negative","sentiment_score":-0.4278600215911865},{"word":"again","start":87.189995,"end":87.689995,"confidence":0.8504096,"punctuated_word":"again.","sentiment":"negative","sentiment_score":-0.34405750036239624},{"word":"so","start":93.785,"end":94.185005,"confidence":0.98875624,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05580386519432068},{"word":"in","start":94.185005,"end":94.425,"confidence":0.9764321,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.060117825865745544},{"word":"term","start":94.425,"end":94.745,"confidence":0.62939584,"punctuated_word":"term","sentiment":"neutral","sentiment_score":-0.008673243224620819},{"word":"obviously","start":94.825005,"end":95.225,"confidence":0.9227749,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.022337790578603745},{"word":"with","start":95.225,"end":95.465004,"confidence":0.997738,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.12149739265441896},{"word":"the","start":95.465004,"end":95.705,"confidence":0.9990415,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12067817151546478},{"word":"current","start":95.705,"end":96.205,"confidence":0.99920696,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.18907469511032104},{"word":"market","start":96.265,"end":96.765,"confidence":0.9997844,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.11120618879795074},{"word":"and","start":97.465004,"end":97.625,"confidence":0.9398241,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10081441700458528},{"word":"the","start":97.625,"end":97.865005,"confidence":0.89551884,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09480174630880356},{"word":"way","start":97.865005,"end":98.025,"confidence":0.99155575,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.0760420560836792},{"word":"interest","start":98.025,"end":98.345,"confidence":0.99827576,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.093201145529747},{"word":"rates","start":98.345,"end":98.665,"confidence":0.99904686,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":-0.06013169884681702},{"word":"are","start":98.665,"end":98.745,"confidence":0.99826473,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.09542570263147354},{"word":"going","start":98.745,"end":99.145004,"confidence":0.9959072,"punctuated_word":"going,","sentiment":"neutral","sentiment_score":-0.02717803791165352},{"word":"it's","start":99.145004,"end":99.385,"confidence":0.5658268,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.05765188857913017},{"word":"sort","start":99.385,"end":99.545,"confidence":0.99559695,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.08540862798690796},{"word":"of","start":99.545,"end":99.81,"confidence":0.9982363,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06521753966808319},{"word":"probably","start":99.97,"end":100.47,"confidence":0.9944442,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.07971519231796265},{"word":"be","start":100.77,"end":101.009995,"confidence":0.99525815,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.013342410326004028},{"word":"worth","start":101.009995,"end":101.25,"confidence":0.99710435,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.04925455152988434},{"word":"chatting","start":101.25,"end":101.49,"confidence":0.9958384,"punctuated_word":"chatting","sentiment":"neutral","sentiment_score":-0.11369042843580246},{"word":"to","start":101.49,"end":101.649994,"confidence":0.99947566,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12054036557674408},{"word":"a","start":101.649994,"end":101.81,"confidence":0.99541485,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06841839104890823},{"word":"mortgage","start":101.81,"end":102.13,"confidence":0.99989045,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.0997975617647171},{"word":"broker","start":102.13,"end":102.45,"confidence":0.9993187,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":-0.038548558950424194},{"word":"and","start":102.45,"end":102.53,"confidence":0.81679493,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.015652813017368317},{"word":"what","start":102.53,"end":102.689995,"confidence":0.9994691,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.007724054157733917},{"word":"they","start":102.689995,"end":102.85,"confidence":0.9978423,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.0016444995999336245},{"word":"sort","start":102.85,"end":103.09,"confidence":0.98743016,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0658147856593132},{"word":"of","start":103.09,"end":103.17,"confidence":0.9374211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.014789827167987823},{"word":"see","start":103.17,"end":103.329994,"confidence":0.98567283,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.05742761492729187},{"word":"the","start":103.329994,"end":103.49,"confidence":0.9552058,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.048367977142333984},{"word":"market's","start":103.49,"end":103.97,"confidence":0.92521185,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":-0.049543123692274094},{"word":"doing","start":103.97,"end":104.369995,"confidence":0.99988043,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.048907846212387085},{"word":"with","start":104.369995,"end":104.53,"confidence":0.98011976,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.04426729679107666},{"word":"that","start":104.53,"end":104.689995,"confidence":0.9647364,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02215895801782608},{"word":"one","start":104.689995,"end":104.93,"confidence":0.98788446,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.008929148316383362},{"word":"in","start":104.93,"end":105.09,"confidence":0.8978328,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.017702937126159668},{"word":"terms","start":105.09,"end":105.329994,"confidence":0.9999337,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.04477972537279129},{"word":"of","start":105.329994,"end":105.49,"confidence":0.88082135,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.0529370941221714},{"word":"like","start":105.49,"end":105.99,"confidence":0.9775354,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.031878359615802765},{"word":"a","start":106.45,"end":106.85,"confidence":0.94539845,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.040844544768333435},{"word":"you","start":106.85,"end":107.009995,"confidence":0.98210275,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0193789005279541},{"word":"know","start":107.009995,"end":107.25,"confidence":0.9996569,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.02010517567396164},{"word":"growth","start":107.25,"end":107.57,"confidence":0.6322039,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.06141775846481323},{"word":"perspective","start":107.57,"end":108.07,"confidence":0.9928893,"punctuated_word":"perspective","sentiment":"neutral","sentiment_score":0.12085169553756714},{"word":"in","start":108.13,"end":108.28999,"confidence":0.5132965,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06225147843360901},{"word":"getting","start":108.28999,"end":108.61,"confidence":0.9999125,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.08549987524747849},{"word":"return","start":108.61,"end":109.009995,"confidence":0.9970618,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.14187157154083252},{"word":"on","start":109.009995,"end":109.25,"confidence":0.99916613,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16039419174194336},{"word":"capital","start":109.25,"end":109.729996,"confidence":0.9998318,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.0226689875125885},{"word":"and","start":109.729996,"end":110.049995,"confidence":0.82087684,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05749480426311493},{"word":"in","start":110.049995,"end":110.28999,"confidence":0.99533623,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07596315443515778},{"word":"regards","start":110.28999,"end":110.78999,"confidence":0.9991359,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.058713898062705994},{"word":"to","start":110.85,"end":111.09,"confidence":0.99907035,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1442321240901947},{"word":"paying","start":111.09,"end":111.409996,"confidence":0.9982804,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.06967470049858093},{"word":"down","start":111.409996,"end":111.57,"confidence":0.9994475,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.09640136361122131},{"word":"the","start":111.57,"end":111.729996,"confidence":0.42685965,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08765120804309845},{"word":"debt","start":111.729996,"end":111.97,"confidence":0.7353633,"punctuated_word":"debt.","sentiment":"neutral","sentiment_score":-0.0031083151698112488},{"word":"you're","start":111.97,"end":112.13,"confidence":0.98670197,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.16254758834838867},{"word":"right","start":112.13,"end":112.28999,"confidence":0.81455034,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.03076372854411602},{"word":"in","start":112.28999,"end":112.369995,"confidence":0.99605596,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.0854673758149147},{"word":"terms","start":112.369995,"end":112.689995,"confidence":0.9999294,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.02634570002555847},{"word":"of","start":112.689995,"end":112.77,"confidence":0.9746442,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.1401515156030655},{"word":"like","start":112.77,"end":112.93,"confidence":0.999513,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1494733989238739},{"word":"having","start":112.93,"end":113.25,"confidence":0.9996741,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.34194761514663696},{"word":"good","start":113.25,"end":113.49,"confidence":0.998771,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.36981427669525146},{"word":"debt","start":113.49,"end":113.99,"confidence":0.99928194,"punctuated_word":"debt","sentiment":"positive","sentiment_score":0.5504148006439209},{"word":"through","start":114.895004,"end":115.135,"confidence":0.999171,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.35555845499038696},{"word":"another","start":115.135,"end":115.615,"confidence":0.99969244,"punctuated_word":"another","sentiment":"positive","sentiment_score":0.3531109690666199},{"word":"property","start":115.615,"end":115.935,"confidence":0.9998416,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.27919524908065796},{"word":"and","start":115.935,"end":116.175,"confidence":0.9882853,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35742324590682983},{"word":"potentially","start":116.175,"end":116.655,"confidence":0.9930199,"punctuated_word":"potentially","sentiment":"positive","sentiment_score":0.4984463453292846},{"word":"upgrading","start":116.655,"end":117.135,"confidence":0.9995983,"punctuated_word":"upgrading","sentiment":"positive","sentiment_score":0.375480592250824},{"word":"your","start":117.135,"end":117.375,"confidence":0.9996264,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.329481840133667},{"word":"investment","start":117.375,"end":117.775,"confidence":0.9997154,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.3077704608440399},{"word":"property","start":117.775,"end":118.175,"confidence":0.9997923,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.31410089135169983},{"word":"or","start":118.175,"end":118.495,"confidence":0.697496,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.43133094906806946},{"word":"even","start":118.495,"end":118.995,"confidence":0.9996302,"punctuated_word":"even","sentiment":"positive","sentiment_score":0.3847996592521667},{"word":"in","start":119.375,"end":119.615,"confidence":0.93947005,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.395771861076355},{"word":"the","start":119.615,"end":119.855,"confidence":0.89570177,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.40749239921569824},{"word":"sense","start":119.855,"end":120.095,"confidence":0.9999336,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.333235502243042},{"word":"that","start":120.095,"end":120.255,"confidence":0.99955016,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3542094826698303},{"word":"you","start":120.255,"end":120.495,"confidence":0.9994143,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.36309176683425903},{"word":"could","start":120.495,"end":120.735,"confidence":0.9998487,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.4384605288505554},{"word":"look","start":120.735,"end":120.975,"confidence":0.99927527,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.37965577840805054},{"word":"at","start":120.975,"end":121.215004,"confidence":0.99764,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3441615104675293},{"word":"potentially","start":121.215004,"end":121.715004,"confidence":0.98050743,"punctuated_word":"potentially","sentiment":"positive","sentiment_score":0.5257228016853333},{"word":"just","start":121.855,"end":122.175,"confidence":0.9988728,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.43175166845321655},{"word":"using","start":122.175,"end":122.675,"confidence":0.99959534,"punctuated_word":"using","sentiment":"positive","sentiment_score":0.453212171792984},{"word":"the","start":123.375,"end":123.615,"confidence":0.9993761,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4319905936717987},{"word":"equity","start":123.615,"end":124.115,"confidence":0.9998684,"punctuated_word":"equity","sentiment":"positive","sentiment_score":0.4402529001235962},{"word":"in","start":124.255,"end":124.495,"confidence":0.9996382,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3407355844974518},{"word":"your","start":124.495,"end":124.815,"confidence":0.99974316,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.34371837973594666},{"word":"your","start":124.815,"end":124.975,"confidence":0.9723709,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3096703290939331},{"word":"current","start":124.975,"end":125.375,"confidence":0.99879587,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.2881556749343872},{"word":"home","start":125.375,"end":125.875,"confidence":0.99978083,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.27135542035102844},{"word":"or","start":126.175,"end":126.415,"confidence":0.96680486,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.4005920588970184},{"word":"the","start":126.415,"end":126.575,"confidence":0.9996995,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3711893558502197},{"word":"investment","start":126.575,"end":127.055,"confidence":0.99990046,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.278917133808136},{"word":"property","start":127.055,"end":127.535,"confidence":0.9998436,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.30430328845977783},{"word":"to","start":127.535,"end":127.775,"confidence":0.99909735,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3955005407333374},{"word":"purchase","start":127.775,"end":128.275,"confidence":0.99946994,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.28710228204727173},{"word":"another","start":128.415,"end":128.735,"confidence":0.99980026,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.2602840065956116},{"word":"property","start":128.735,"end":129.235,"confidence":0.9998914,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.24416017532348633},{"word":"as","start":129.63,"end":129.87,"confidence":0.9998522,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.35838717222213745},{"word":"well","start":129.87,"end":130.37,"confidence":0.99989843,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.31511226296424866},{"word":"with","start":131.15,"end":131.47,"confidence":0.9734712,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.31654098629951477},{"word":"that","start":131.47,"end":131.71,"confidence":0.99990726,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1570294350385666},{"word":"one","start":131.71,"end":132.21,"confidence":0.97068834,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.1907494515180588},{"word":"so","start":133.15,"end":133.39,"confidence":0.9962442,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10263941437005995},{"word":"that's","start":133.39,"end":133.63,"confidence":0.8576726,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04847539961338043},{"word":"the","start":133.63,"end":133.95,"confidence":0.9446956,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0423332154750824},{"word":"old","start":133.95,"end":134.35,"confidence":0.47356954,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.1580080687999725},{"word":"sort","start":134.35,"end":134.59,"confidence":0.8809221,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.18409408628940585},{"word":"of","start":134.59,"end":134.83,"confidence":0.61372507,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17423470318317413},{"word":"questions","start":134.83,"end":135.31,"confidence":0.9925714,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.1937894821166992},{"word":"in","start":135.31,"end":135.47,"confidence":0.9997794,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.212417870759964},{"word":"regards","start":135.47,"end":135.87,"confidence":0.99827385,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.17127594351768494},{"word":"to","start":135.87,"end":135.95,"confidence":0.9892537,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19950154423713684},{"word":"that","start":135.95,"end":136.19,"confidence":0.9998797,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2252149134874344},{"word":"because","start":136.19,"end":136.67,"confidence":0.7028098,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.12368527054786682},{"word":"obviously","start":136.67,"end":137.17,"confidence":0.99947715,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.13965734839439392},{"word":"when","start":137.31,"end":137.55,"confidence":0.9998155,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.16075079143047333},{"word":"selling","start":137.55,"end":137.87,"confidence":0.99974126,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.07444645464420319},{"word":"and","start":137.87,"end":138.03,"confidence":0.99955195,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1670919507741928},{"word":"buying","start":138.03,"end":138.27,"confidence":0.99495506,"punctuated_word":"buying,","sentiment":"neutral","sentiment_score":-0.14066019654273987},{"word":"you've","start":138.27,"end":138.51,"confidence":0.9997958,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.20517781376838684},{"word":"got","start":138.51,"end":138.67,"confidence":0.790582,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.2462456226348877},{"word":"to","start":138.67,"end":138.75,"confidence":0.9959155,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.21687465906143188},{"word":"worry","start":138.75,"end":139.06999,"confidence":0.9999254,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":-0.3010266423225403},{"word":"about","start":139.06999,"end":139.47,"confidence":0.9996997,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.3039892911911011},{"word":"the","start":139.47,"end":139.63,"confidence":0.9994406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.30700477957725525},{"word":"capital","start":139.63,"end":140.11,"confidence":0.99983466,"punctuated_word":"capital","sentiment":"negative","sentiment_score":-0.4785938858985901},{"word":"gains","start":140.11,"end":140.61,"confidence":0.9987206,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.29330793023109436},{"word":"that","start":140.67,"end":140.83,"confidence":0.99967074,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2814900875091553},{"word":"you'd","start":140.83,"end":141.15,"confidence":0.9997098,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.23743019998073575},{"word":"be","start":141.15,"end":141.615,"confidence":0.99868613,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1939378976821899},{"word":"paying","start":141.85501,"end":142.095,"confidence":0.9991799,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.15796160697937012},{"word":"on","start":142.095,"end":142.335,"confidence":0.9998628,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08653637021780014},{"word":"the","start":142.335,"end":142.835,"confidence":0.9997155,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12279869616031648},{"word":"property","start":142.85501,"end":143.35501,"confidence":0.9998566,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.0693938285112381},{"word":"plus","start":143.375,"end":143.875,"confidence":0.4814661,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":-0.08115862309932709},{"word":"yeah","start":150.175,"end":150.57501,"confidence":0.89686406,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0652577355504036},{"word":"and","start":150.57501,"end":150.895,"confidence":0.99785244,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07428600639104843},{"word":"then","start":150.895,"end":151.295,"confidence":0.99929714,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.07416436076164246},{"word":"what","start":151.295,"end":151.615,"confidence":0.9661085,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.10861802101135254},{"word":"would","start":151.615,"end":151.77501,"confidence":0.3120883,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.09087428450584412},{"word":"you","start":151.77501,"end":151.935,"confidence":0.9945111,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07038865238428116},{"word":"pay","start":151.935,"end":152.175,"confidence":0.9991742,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.0779792070388794},{"word":"for","start":152.175,"end":152.255,"confidence":0.99960786,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0510379821062088},{"word":"that","start":152.255,"end":152.49501,"confidence":0.999736,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1067436784505844},{"word":"originally","start":152.49501,"end":152.99501,"confidence":0.99765563,"punctuated_word":"originally?","sentiment":"neutral","sentiment_score":-0.09359918534755708},{"word":"yes","start":158.03,"end":158.27,"confidence":0.7902715,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.094174362719059},{"word":"so","start":158.27,"end":158.43001,"confidence":0.9880251,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09985113143920898},{"word":"with","start":158.43001,"end":158.67,"confidence":0.9957104,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1859973967075348},{"word":"that","start":158.67,"end":159.17,"confidence":0.8463,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.15928860008716583},{"word":"even","start":159.31,"end":159.71,"confidence":0.99979335,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.16174164414405823},{"word":"owning","start":159.71,"end":160.11,"confidence":0.995758,"punctuated_word":"owning","sentiment":"neutral","sentiment_score":0.1914559155702591},{"word":"it","start":160.11,"end":160.35,"confidence":0.99912554,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1295398622751236},{"word":"for","start":160.35,"end":160.67,"confidence":0.9314842,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09908923506736755},{"word":"over","start":160.67,"end":160.99,"confidence":0.9847987,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1335541307926178},{"word":"the","start":160.99,"end":161.49,"confidence":0.9992379,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11450188606977464},{"word":"the","start":161.95001,"end":162.03,"confidence":0.7307021,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11690210551023485},{"word":"twelve","start":162.03,"end":162.51001,"confidence":0.9923724,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.06995901465415955},{"word":"year","start":162.51001,"end":162.99,"confidence":0.9201376,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.10432790964841844},{"word":"twelve","start":163.23001,"end":163.55,"confidence":0.9516094,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.09449096769094469},{"word":"month","start":163.55,"end":163.95001,"confidence":0.69989514,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.10635527223348618},{"word":"mark","start":163.95001,"end":164.19,"confidence":0.97681934,"punctuated_word":"mark,","sentiment":"neutral","sentiment_score":0.17929670214653015},{"word":"you","start":164.19,"end":164.35,"confidence":0.99872917,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.205526664853096},{"word":"get","start":164.35,"end":164.59001,"confidence":0.7746897,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":0.1598552167415619},{"word":"like","start":164.59001,"end":164.83,"confidence":0.9986557,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1309245228767395},{"word":"a","start":164.83,"end":164.99,"confidence":0.987916,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18184338510036469},{"word":"cdt","start":164.99,"end":165.49,"confidence":0.7336632,"punctuated_word":"CDT","sentiment":"neutral","sentiment_score":0.08554361760616302},{"word":"discount","start":165.63,"end":166.13,"confidence":0.8793037,"punctuated_word":"discount,","sentiment":"neutral","sentiment_score":0.08784366399049759},{"word":"but","start":166.59001,"end":166.75,"confidence":0.95752126,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07804884761571884},{"word":"then","start":166.75,"end":166.91,"confidence":0.9996903,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09876804053783415},{"word":"it's","start":166.91,"end":167.15001,"confidence":0.9954536,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07914333045482635},{"word":"proportionated","start":167.15001,"end":167.65001,"confidence":0.88983583,"punctuated_word":"proportionated","sentiment":"neutral","sentiment_score":0.1300419569015503},{"word":"as","start":167.87001,"end":168.03,"confidence":0.9979918,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11208537966012956},{"word":"well","start":168.03,"end":168.27,"confidence":0.9996798,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.13565963506698608},{"word":"for","start":168.27,"end":168.43001,"confidence":0.9940347,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.057807087898254395},{"word":"how","start":168.43001,"end":168.59001,"confidence":0.9991935,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.04235319793224335},{"word":"long","start":168.59001,"end":168.83,"confidence":0.99934953,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.046200208365917206},{"word":"it","start":168.83,"end":168.99,"confidence":0.997834,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.031712934374809265},{"word":"was","start":168.99,"end":169.15001,"confidence":0.99749017,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.011784069240093231},{"word":"a","start":169.15001,"end":169.365,"confidence":0.70375603,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.029342934489250183},{"word":"primary","start":169.52501,"end":169.845,"confidence":0.999166,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.0045728981494903564},{"word":"residence","start":169.845,"end":170.345,"confidence":0.9811411,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":-0.009459152817726135},{"word":"versus","start":170.485,"end":170.985,"confidence":0.9930594,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":0.01669198088347912},{"word":"what","start":171.445,"end":171.68501,"confidence":0.99923694,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.058547500520944595},{"word":"was","start":171.68501,"end":172.16501,"confidence":0.99969864,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05073193833231926},{"word":"an","start":172.16501,"end":172.405,"confidence":0.99948907,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.031159095466136932},{"word":"investment","start":172.405,"end":172.88501,"confidence":0.9998197,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.0345761738717556},{"word":"property","start":172.88501,"end":173.38501,"confidence":0.9439032,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":-0.009215638041496277},{"word":"okay","start":180.32501,"end":180.82501,"confidence":0.992177,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.01431257277727127},{"word":"so","start":181.71,"end":181.95,"confidence":0.89492697,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.036182768642902374},{"word":"yeah","start":181.95,"end":182.35,"confidence":0.99196017,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.04412125796079635},{"word":"there","start":182.35,"end":182.59,"confidence":0.9921634,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.0825977548956871},{"word":"there","start":182.59,"end":182.75,"confidence":0.8882747,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1143764853477478},{"word":"might","start":182.75,"end":182.99,"confidence":0.9997198,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.1241535097360611},{"word":"not","start":182.99,"end":183.15,"confidence":0.9997764,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.12398643791675568},{"word":"be","start":183.15,"end":183.47,"confidence":0.99939156,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.1771787703037262},{"word":"a","start":183.47,"end":183.55,"confidence":0.99990594,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17348963022232056},{"word":"whole","start":183.55,"end":183.79001,"confidence":0.9997689,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":-0.21733805537223816},{"word":"lot","start":183.79001,"end":183.95,"confidence":0.9997904,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.1577197015285492},{"word":"of","start":183.95,"end":184.11,"confidence":0.9999101,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1994998604059219},{"word":"cpt","start":184.11,"end":184.61,"confidence":0.829114,"punctuated_word":"CPT","sentiment":"neutral","sentiment_score":-0.18580040335655212},{"word":"payable","start":185.23,"end":185.71,"confidence":0.9449992,"punctuated_word":"payable","sentiment":"neutral","sentiment_score":-0.1949552297592163},{"word":"on","start":185.71,"end":185.87,"confidence":0.9998677,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.14063619077205658},{"word":"that","start":185.87,"end":186.03,"confidence":0.9999341,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13766951858997345},{"word":"one","start":186.03,"end":186.53,"confidence":0.8662599,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.1421455293893814},{"word":"but","start":187.31,"end":187.47,"confidence":0.8480774,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.08175594359636307},{"word":"again","start":187.47,"end":187.87,"confidence":0.99977756,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.03082186728715897},{"word":"that's","start":187.87,"end":188.11,"confidence":0.99338484,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.0472010001540184},{"word":"sort","start":188.11,"end":188.27,"confidence":0.9988003,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.028512656688690186},{"word":"of","start":188.27,"end":188.35,"confidence":0.99940586,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08143173903226852},{"word":"more","start":188.35,"end":188.51,"confidence":0.9988133,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.08330794423818588},{"word":"of","start":188.51,"end":188.83,"confidence":0.9986104,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05710694193840027},{"word":"a","start":188.83,"end":188.91,"confidence":0.9972012,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04083973914384842},{"word":"mortgage","start":188.91,"end":189.31,"confidence":0.6489164,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.11661854386329652},{"word":"broker's","start":189.31,"end":189.63,"confidence":0.8376287,"punctuated_word":"broker's","sentiment":"neutral","sentiment_score":-0.05733182281255722},{"word":"realm","start":189.63,"end":189.87,"confidence":0.9794607,"punctuated_word":"realm","sentiment":"neutral","sentiment_score":-0.0498216450214386},{"word":"in","start":189.87,"end":189.95,"confidence":0.9699541,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.007576733827590942},{"word":"terms","start":189.95,"end":190.19,"confidence":0.9997538,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.02025122195482254},{"word":"of","start":190.19,"end":190.35,"confidence":0.87452066,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.028357483446598053},{"word":"like","start":190.35,"end":190.51,"confidence":0.9978557,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.018169909715652462},{"word":"what","start":190.51,"end":190.67,"confidence":0.9993185,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05348193645477295},{"word":"you","start":190.67,"end":190.83,"confidence":0.9995957,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03205977380275726},{"word":"could","start":190.83,"end":191.07,"confidence":0.99924517,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.04919593036174774},{"word":"sell","start":191.07,"end":191.23,"confidence":0.9990802,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.045121222734451294},{"word":"it","start":191.23,"end":191.47,"confidence":0.99853754,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.00033177435398101807},{"word":"for","start":191.47,"end":191.97,"confidence":0.98875123,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":-0.0512239933013916},{"word":"what","start":192.19,"end":192.43001,"confidence":0.979163,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.010360613465309145},{"word":"the","start":192.43001,"end":192.59,"confidence":0.99945873,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.020198151469230652},{"word":"market's","start":192.59,"end":192.99,"confidence":0.9731823,"punctuated_word":"market's","sentiment":"neutral","sentiment_score":-0.05485603213310242},{"word":"looking","start":192.99,"end":193.31,"confidence":0.99962056,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.07952821999788284},{"word":"like","start":193.31,"end":193.47,"confidence":0.99497855,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.08150062710046768},{"word":"where","start":193.47,"end":193.63,"confidence":0.996356,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.05421806871891022},{"word":"you'd","start":193.63,"end":193.87,"confidence":0.9987254,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":-0.05313204973936081},{"word":"wanna","start":193.87,"end":194.19,"confidence":0.69097525,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.0074056535959243774},{"word":"buy","start":194.19,"end":194.69,"confidence":0.7784822,"punctuated_word":"buy.","sentiment":"neutral","sentiment_score":-0.0547315776348114},{"word":"and","start":195.39,"end":195.63,"confidence":0.57420784,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.20412808656692505},{"word":"with","start":195.63,"end":195.95,"confidence":0.6428332,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.290254682302475},{"word":"the","start":195.95,"end":196.365,"confidence":0.5236461,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.40416377782821655},{"word":"it","start":196.365,"end":196.865,"confidence":0.48308063,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.30012083053588867},{"word":"yep","start":207.005,"end":207.505,"confidence":0.9823525,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.17061400413513184},{"word":"yeah","start":214.54001,"end":215.04001,"confidence":0.9507171,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.15421822667121887},{"word":"yeah","start":220.71501,"end":221.115,"confidence":0.77407134,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.09770548343658449},{"word":"and","start":221.115,"end":221.35501,"confidence":0.95910144,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.09526941180229188},{"word":"then","start":221.35501,"end":221.835,"confidence":0.95288897,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.08294735103845596},{"word":"like","start":221.835,"end":222.075,"confidence":0.99570453,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.07792097330093384},{"word":"with","start":222.075,"end":222.235,"confidence":0.99740916,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08274585753679276},{"word":"that","start":222.235,"end":222.475,"confidence":0.98526907,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.08004646748304367},{"word":"those","start":222.475,"end":222.71501,"confidence":0.9965294,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.09364371001720428},{"word":"are","start":222.71501,"end":222.875,"confidence":0.99050176,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1176372841000557},{"word":"sort","start":222.875,"end":222.955,"confidence":0.99155796,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0843050479888916},{"word":"of","start":222.955,"end":223.115,"confidence":0.9503967,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.09441068768501282},{"word":"like","start":223.115,"end":223.35501,"confidence":0.99735785,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.09115269780158997},{"word":"questions","start":223.35501,"end":223.675,"confidence":0.9983493,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":-0.12122664600610732},{"word":"obviously","start":223.675,"end":223.91501,"confidence":0.505251,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":-0.11579230427742004},{"word":"in","start":223.91501,"end":224.075,"confidence":0.96807355,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.14900436997413635},{"word":"regards","start":224.075,"end":224.315,"confidence":0.9953317,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.10369981080293655},{"word":"to","start":224.315,"end":224.395,"confidence":0.99747926,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1581391990184784},{"word":"what","start":224.395,"end":224.55501,"confidence":0.99807537,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.19675961136817932},{"word":"a","start":224.55501,"end":224.63501,"confidence":0.97421855,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15959104895591736},{"word":"mortgage","start":224.63501,"end":224.875,"confidence":0.99689555,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.19878116250038147},{"word":"broker","start":224.875,"end":225.115,"confidence":0.9988951,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":-0.11566148698329926},{"word":"might","start":225.115,"end":225.27501,"confidence":0.99639624,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.11558786779642104},{"word":"think","start":225.27501,"end":225.435,"confidence":0.9989925,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.20320196449756625},{"word":"in","start":225.435,"end":225.595,"confidence":0.9962902,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08806641399860382},{"word":"terms","start":225.595,"end":225.755,"confidence":0.9999132,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.04452849179506302},{"word":"of","start":225.755,"end":225.91501,"confidence":0.8839529,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.07871250808238983},{"word":"like","start":225.91501,"end":226.075,"confidence":0.9973253,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.09472407400608064},{"word":"the","start":226.075,"end":226.11499,"confidence":0.63775253,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1396738737821579},{"word":"what","start":226.155,"end":226.315,"confidence":0.99914193,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.18272893130779264},{"word":"the","start":226.315,"end":226.475,"confidence":0.99828964,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13118313252925873},{"word":"markets","start":226.475,"end":226.955,"confidence":0.98898715,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.09139268100261688},{"word":"might","start":226.955,"end":227.27501,"confidence":0.9990626,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.1635746955871582},{"word":"do","start":227.27501,"end":227.77501,"confidence":0.9920261,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":-0.1422068476676941},{"word":"the","start":228.155,"end":228.655,"confidence":0.715063,"punctuated_word":"The,","sentiment":"neutral","sentiment_score":-0.017844248563051224},{"word":"obviously","start":228.715,"end":229.215,"confidence":0.998834,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.018844719976186752},{"word":"short","start":229.35501,"end":229.595,"confidence":0.998789,"punctuated_word":"short","sentiment":"neutral","sentiment_score":-0.06331261992454529},{"word":"term","start":229.595,"end":229.835,"confidence":0.9991117,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.007263034582138061},{"word":"things","start":229.835,"end":230.075,"confidence":0.9518907,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.005764201283454895},{"word":"with","start":230.075,"end":230.235,"confidence":0.32520166,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.03392326086759567},{"word":"that","start":230.235,"end":230.395,"confidence":0.82803035,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.10840447247028352},{"word":"if","start":230.395,"end":230.475,"confidence":0.9991364,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.11254245042800903},{"word":"you","start":230.475,"end":230.63501,"confidence":0.9996891,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.019489899277687073},{"word":"were","start":230.63501,"end":230.875,"confidence":0.99935204,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.10447198152542114},{"word":"to","start":230.875,"end":231.035,"confidence":0.99936515,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07409317791461945},{"word":"sell","start":231.035,"end":231.27501,"confidence":0.9981566,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.08103998005390167},{"word":"it","start":231.27501,"end":231.35501,"confidence":0.99073565,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.052367549389600754},{"word":"you're","start":231.35501,"end":231.595,"confidence":0.9958772,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.04298020526766777},{"word":"right","start":231.595,"end":231.675,"confidence":0.999171,"punctuated_word":"right","sentiment":"neutral","sentiment_score":0.014891579747200012},{"word":"in","start":231.675,"end":231.835,"confidence":0.91640055,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03810439258813858},{"word":"the","start":231.835,"end":231.91501,"confidence":0.95733994,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06748855113983154},{"word":"sense","start":231.91501,"end":232.155,"confidence":0.9999045,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":0.0009728968143463136},{"word":"that","start":232.155,"end":232.315,"confidence":0.99891126,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.023065924644470215},{"word":"you","start":232.315,"end":232.395,"confidence":0.9993538,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1031949371099472},{"word":"wouldn't","start":232.395,"end":232.63501,"confidence":0.99965096,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.021918833255767822},{"word":"be","start":232.63501,"end":232.795,"confidence":0.99954623,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07899688184261322},{"word":"paying","start":232.795,"end":233.035,"confidence":0.9998628,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.15235191583633423},{"word":"any","start":233.035,"end":233.27501,"confidence":0.9995185,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.1575828492641449},{"word":"sort","start":233.27501,"end":233.515,"confidence":0.99773896,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.177435040473938},{"word":"of","start":233.515,"end":233.97,"confidence":0.9996449,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.32924026250839233},{"word":"tax","start":234.13,"end":234.29001,"confidence":0.99917275,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.19267141819000244},{"word":"on","start":234.29001,"end":234.45,"confidence":0.999908,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07161028683185577},{"word":"the","start":234.45,"end":234.85,"confidence":0.9908075,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01887427270412445},{"word":"the","start":234.85,"end":234.93001,"confidence":0.8263062,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.026712819933891296},{"word":"rental","start":234.93001,"end":235.41,"confidence":0.99971503,"punctuated_word":"rental","sentiment":"neutral","sentiment_score":-0.04949124902486801},{"word":"income","start":235.41,"end":235.81,"confidence":0.7953688,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.04292892664670944},{"word":"but","start":235.81,"end":236.05,"confidence":0.99880743,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.031401947140693665},{"word":"then","start":236.05,"end":236.29001,"confidence":0.9987993,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07152285426855087},{"word":"the","start":236.29001,"end":236.53,"confidence":0.96582776,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11155183613300323},{"word":"only","start":236.53,"end":236.69,"confidence":0.99970514,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.10656003654003143},{"word":"thing","start":236.69,"end":236.93001,"confidence":0.999683,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.15739499032497406},{"word":"you'd","start":236.93001,"end":237.17,"confidence":0.9988484,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.16342690587043762},{"word":"be","start":237.17,"end":237.33,"confidence":0.9998093,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1692497730255127},{"word":"getting","start":237.33,"end":237.57,"confidence":0.9997619,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.2057687342166901},{"word":"as","start":237.57,"end":237.65,"confidence":0.99917454,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.16426177322864532},{"word":"a","start":237.65,"end":237.81,"confidence":0.98538536,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.30466753244400024},{"word":"return","start":237.81,"end":238.29001,"confidence":0.99994767,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.3196527361869812},{"word":"is","start":238.29001,"end":238.53,"confidence":0.9995658,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14955826103687286},{"word":"how","start":238.53,"end":238.69,"confidence":0.99953175,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.1521265208721161},{"word":"much","start":238.69,"end":239.01,"confidence":0.9998784,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.16652388870716095},{"word":"that","start":239.01,"end":239.25,"confidence":0.9988682,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17227086424827576},{"word":"property","start":239.25,"end":239.75,"confidence":0.99976414,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.14568480849266052},{"word":"or","start":240.05,"end":240.29001,"confidence":0.9138341,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.11155655980110168},{"word":"like","start":240.29001,"end":240.53,"confidence":0.99851584,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.07560998201370239},{"word":"money","start":240.53,"end":240.93001,"confidence":0.99964833,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.1473468691110611},{"word":"offsets","start":240.93001,"end":241.33,"confidence":0.98544115,"punctuated_word":"offsets","sentiment":"neutral","sentiment_score":0.10852985084056854},{"word":"your","start":241.33,"end":241.73,"confidence":0.9937657,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10871177166700365},{"word":"primary","start":241.73,"end":242.13,"confidence":0.9996475,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":-0.004330739378929138},{"word":"residence","start":242.13,"end":242.45,"confidence":0.99057066,"punctuated_word":"residence.","sentiment":"neutral","sentiment_score":0.06872116029262543},{"word":"i'm","start":242.45,"end":242.61,"confidence":0.98628706,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.00012081488966941832},{"word":"not","start":242.61,"end":242.77,"confidence":0.99995196,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03490836173295975},{"word":"too","start":242.77,"end":242.93001,"confidence":0.9919205,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.03026691824197769},{"word":"sure","start":242.93001,"end":243.09,"confidence":0.9997876,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.03182883933186531},{"word":"if","start":243.09,"end":243.25,"confidence":0.99617356,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.024472098797559735},{"word":"you're","start":243.25,"end":243.41,"confidence":0.9455985,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07041662186384201},{"word":"on","start":243.41,"end":243.57,"confidence":0.41315952,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04306647926568985},{"word":"a","start":243.57,"end":243.65,"confidence":0.7638372,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.035328734666109085},{"word":"or","start":243.81,"end":244.05,"confidence":0.9251939,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02960067987442017},{"word":"a","start":244.05,"end":244.13,"confidence":0.9315195,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.003534264862537384},{"word":"variable","start":244.13,"end":244.63,"confidence":0.99984944,"punctuated_word":"variable","sentiment":"neutral","sentiment_score":-0.02464532107114792},{"word":"at","start":245.01,"end":245.17,"confidence":0.99817157,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0468238964676857},{"word":"the","start":245.17,"end":245.25,"confidence":0.9996567,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00777021050453186},{"word":"moment","start":245.25,"end":245.57,"confidence":0.96347225,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.007436085492372513},{"word":"but","start":245.57,"end":245.81,"confidence":0.9984768,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02302856743335724},{"word":"that's","start":245.81,"end":246.05,"confidence":0.99974644,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0981350764632225},{"word":"the","start":246.05,"end":246.29001,"confidence":0.9969139,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10632912814617156},{"word":"sort","start":246.29001,"end":246.45,"confidence":0.999514,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.13352859020233154},{"word":"of","start":246.45,"end":246.61,"confidence":0.9976271,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1756666898727417},{"word":"money","start":246.61,"end":247.11,"confidence":0.999683,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.2515006363391876},{"word":"that","start":247.955,"end":248.115,"confidence":0.999432,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2033086121082306},{"word":"you'd","start":248.115,"end":248.275,"confidence":0.999842,"punctuated_word":"you'd","sentiment":"neutral","sentiment_score":0.2210334986448288},{"word":"be","start":248.275,"end":248.775,"confidence":0.9997906,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.21796195209026337},{"word":"somewhat","start":249.075,"end":249.555,"confidence":0.9083717,"punctuated_word":"somewhat","sentiment":"neutral","sentiment_score":0.17782148718833923},{"word":"invested","start":249.555,"end":250.055,"confidence":0.9981437,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.12483132630586624},{"word":"is","start":250.115,"end":250.275,"confidence":0.8709711,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21617808938026428},{"word":"in","start":250.275,"end":250.515,"confidence":0.99777275,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.25506502389907837},{"word":"reducing","start":250.515,"end":250.995,"confidence":0.99930894,"punctuated_word":"reducing","sentiment":"neutral","sentiment_score":0.13026972115039823},{"word":"that","start":250.995,"end":251.235,"confidence":0.99953055,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04459044337272644},{"word":"debt","start":251.235,"end":251.735,"confidence":0.99966705,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":-0.2435091733932495},{"word":"and","start":251.955,"end":252.19499,"confidence":0.9275511,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06221295893192291},{"word":"lowering","start":252.19499,"end":252.595,"confidence":0.9995216,"punctuated_word":"lowering","sentiment":"neutral","sentiment_score":0.10545546561479568},{"word":"that","start":252.595,"end":252.83499,"confidence":0.99976045,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1601283997297287},{"word":"effective","start":252.83499,"end":253.33499,"confidence":0.99922264,"punctuated_word":"effective","sentiment":"neutral","sentiment_score":0.16791978478431702},{"word":"interest","start":253.555,"end":253.875,"confidence":0.9991768,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.27058905363082886},{"word":"repayment","start":253.875,"end":254.275,"confidence":0.9403642,"punctuated_word":"repayment","sentiment":"neutral","sentiment_score":0.26341477036476135},{"word":"that","start":254.275,"end":254.435,"confidence":0.993001,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24717095494270325},{"word":"you're","start":254.435,"end":254.595,"confidence":0.9985272,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.25802043080329895},{"word":"paying","start":254.595,"end":254.83499,"confidence":0.99986684,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.19501246511936188},{"word":"on","start":254.83499,"end":254.995,"confidence":0.99986804,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2511906325817108},{"word":"the","start":254.995,"end":255.075,"confidence":0.9993105,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22166353464126587},{"word":"primary","start":255.075,"end":255.475,"confidence":0.99986076,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.13433131575584412},{"word":"residence","start":255.475,"end":255.975,"confidence":0.91618496,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.19831909239292145},{"word":"as","start":257.235,"end":257.315,"confidence":0.85278136,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1892879605293274},{"word":"opposed","start":257.315,"end":257.815,"confidence":0.9989749,"punctuated_word":"opposed","sentiment":"neutral","sentiment_score":0.04296197742223739},{"word":"to","start":257.875,"end":258.275,"confidence":0.96482295,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.151943176984787},{"word":"you","start":258.275,"end":258.435,"confidence":0.99981683,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17560768127441406},{"word":"know","start":258.435,"end":258.835,"confidence":0.99985754,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.19835418462753296},{"word":"generating","start":258.835,"end":259.335,"confidence":0.999902,"punctuated_word":"generating","sentiment":"neutral","sentiment_score":0.30840712785720825},{"word":"that","start":259.475,"end":259.77,"confidence":0.9998423,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.25939181447029114},{"word":"passive","start":259.93,"end":260.41,"confidence":0.99948716,"punctuated_word":"passive","sentiment":"neutral","sentiment_score":0.20861440896987915},{"word":"income","start":260.41,"end":260.72998,"confidence":0.9999398,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.18186111748218536},{"word":"through","start":260.72998,"end":261.05,"confidence":0.9998692,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.20423948764801023},{"word":"that","start":261.05,"end":261.28998,"confidence":0.99964094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.305043488740921},{"word":"property","start":261.28998,"end":261.61,"confidence":0.9997758,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.2325616031885147},{"word":"and","start":261.61,"end":261.77,"confidence":0.6071857,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29845190048217773},{"word":"then","start":261.77,"end":261.93,"confidence":0.99955386,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.3151170015335083},{"word":"whatever","start":261.93,"end":262.33,"confidence":0.9991774,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.2750711143016815},{"word":"capital","start":262.33,"end":262.72998,"confidence":0.9997265,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.09708429872989656},{"word":"value","start":262.72998,"end":263.05,"confidence":0.9993229,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.21092434227466583},{"word":"you","start":263.05,"end":263.21,"confidence":0.99855465,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3357354700565338},{"word":"get","start":263.21,"end":263.37,"confidence":0.99791616,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.3732243776321411},{"word":"out","start":263.37,"end":263.53,"confidence":0.9998449,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.3143680989742279},{"word":"of","start":263.53,"end":263.69,"confidence":0.9996872,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.25786781311035156},{"word":"that","start":263.69,"end":263.84998,"confidence":0.9993191,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2487231343984604},{"word":"property","start":263.84998,"end":264.34998,"confidence":0.9998022,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.22944022715091705},{"word":"as","start":264.65,"end":264.81,"confidence":0.9843498,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.28565990924835205},{"word":"well","start":264.81,"end":265.05,"confidence":0.99983764,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.3499399721622467},{"word":"if","start":265.05,"end":265.28998,"confidence":0.9029515,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.29252004623413086},{"word":"it","start":265.28998,"end":265.44998,"confidence":0.99979156,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3344299793243408},{"word":"was","start":265.44998,"end":265.77,"confidence":0.9981021,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.24950674176216123},{"word":"to","start":265.77,"end":266.00998,"confidence":0.9908687,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31494832038879395},{"word":"still","start":266.00998,"end":266.33,"confidence":0.9996439,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.19964341819286344},{"word":"increase","start":266.33,"end":266.83,"confidence":0.99927574,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.26619309186935425},{"word":"moving","start":268.25,"end":268.56998,"confidence":0.8743475,"punctuated_word":"moving","sentiment":"positive","sentiment_score":0.3457525074481964},{"word":"forward","start":268.56998,"end":269.06998,"confidence":0.8246485,"punctuated_word":"forward.","sentiment":"neutral","sentiment_score":0.2146688848733902},{"word":"yeah","start":278.185,"end":278.505,"confidence":0.97318435,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02519872784614563},{"word":"it's","start":278.505,"end":278.665,"confidence":0.9846294,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.06478895246982574},{"word":"yeah","start":278.905,"end":279.145,"confidence":0.9679864,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.015144318342208862},{"word":"it","start":279.145,"end":279.305,"confidence":0.79304105,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.08987639844417572},{"word":"is","start":279.305,"end":279.465,"confidence":0.79025537,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.12346087396144868},{"word":"sort","start":279.465,"end":279.625,"confidence":0.9893835,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.07018046081066132},{"word":"of","start":279.625,"end":279.70502,"confidence":0.9981686,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11839179694652556},{"word":"a","start":279.70502,"end":279.785,"confidence":0.9982332,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15010321140289307},{"word":"double","start":279.785,"end":280.105,"confidence":0.996766,"punctuated_word":"double","sentiment":"neutral","sentiment_score":-0.15773271024227142},{"word":"edged","start":280.105,"end":280.345,"confidence":0.9681874,"punctuated_word":"edged","sentiment":"neutral","sentiment_score":-0.20590828359127045},{"word":"sword","start":280.345,"end":280.665,"confidence":0.9803683,"punctuated_word":"sword","sentiment":"neutral","sentiment_score":-0.22125695645809176},{"word":"either","start":280.665,"end":280.905,"confidence":0.87395227,"punctuated_word":"either","sentiment":"neutral","sentiment_score":0.016070649027824402},{"word":"way","start":280.905,"end":281.225,"confidence":0.99155176,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.008959904313087463},{"word":"you","start":281.225,"end":281.385,"confidence":0.99158716,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.007485106587409973},{"word":"go","start":281.385,"end":281.625,"confidence":0.966799,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":-0.011759161949157717},{"word":"like","start":281.625,"end":281.865,"confidence":0.96158206,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.04627790302038193},{"word":"obviously","start":281.865,"end":282.365,"confidence":0.99129987,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.0743270143866539},{"word":"the","start":282.585,"end":282.745,"confidence":0.9996995,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12293083965778352},{"word":"benefit","start":282.745,"end":283.145,"confidence":0.9994997,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.1751944124698639},{"word":"is","start":283.145,"end":283.385,"confidence":0.99942374,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21764811873435977},{"word":"is","start":283.385,"end":283.465,"confidence":0.76482487,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2726801633834839},{"word":"you're","start":283.465,"end":283.70502,"confidence":0.99633217,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.36435824632644653},{"word":"not","start":283.70502,"end":283.785,"confidence":0.9993888,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2906913757324219},{"word":"paying","start":283.785,"end":284.025,"confidence":0.999826,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.1530841737985611},{"word":"as","start":284.025,"end":284.185,"confidence":0.9990922,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2055063545703888},{"word":"much","start":284.185,"end":284.345,"confidence":0.9999733,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.2691386938095093},{"word":"on","start":284.345,"end":284.505,"confidence":0.9991136,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.22849805653095245},{"word":"your","start":284.505,"end":284.665,"confidence":0.9995029,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.23011845350265503},{"word":"primary","start":284.665,"end":285.065,"confidence":0.99960536,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.07751472294330597},{"word":"residence","start":285.065,"end":285.385,"confidence":0.85671353,"punctuated_word":"residence.","sentiment":"neutral","sentiment_score":0.16997966170310974},{"word":"you","start":285.385,"end":285.465,"confidence":0.854084,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.2894270420074463},{"word":"can","start":285.465,"end":285.625,"confidence":0.97822773,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3890172243118286},{"word":"probably","start":285.625,"end":286.125,"confidence":0.9990471,"punctuated_word":"probably","sentiment":"positive","sentiment_score":0.44459211826324463},{"word":"ease","start":286.185,"end":286.425,"confidence":0.99103457,"punctuated_word":"ease","sentiment":"positive","sentiment_score":0.4248804450035095},{"word":"the","start":286.425,"end":286.665,"confidence":0.99686074,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2730362117290497},{"word":"the","start":286.665,"end":286.745,"confidence":0.68451166,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26610416173934937},{"word":"cost","start":286.745,"end":287.065,"confidence":0.9987411,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.1979195922613144},{"word":"of","start":287.065,"end":287.145,"confidence":0.9998031,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17234168946743011},{"word":"living","start":287.145,"end":287.645,"confidence":0.9996158,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.05212700366973877},{"word":"at","start":287.92,"end":288.08002,"confidence":0.99988866,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11084133386611938},{"word":"the","start":288.08002,"end":288.24002,"confidence":0.9998323,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13008393347263336},{"word":"moment","start":288.24002,"end":288.74002,"confidence":0.9625118,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.11931722611188889},{"word":"in","start":288.88,"end":289.38,"confidence":0.86250776,"punctuated_word":"In","sentiment":"neutral","sentiment_score":0.001989513635635376},{"word":"relation","start":289.44,"end":289.84,"confidence":0.90869,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":0.05131930112838745},{"word":"to","start":289.84,"end":289.92,"confidence":0.9995894,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0404859334230423},{"word":"that","start":289.92,"end":290.16,"confidence":0.99991703,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04073640704154968},{"word":"as","start":290.16,"end":290.24002,"confidence":0.9909507,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05599606782197952},{"word":"well","start":290.24002,"end":290.48,"confidence":0.9964539,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.030100125819444656},{"word":"you","start":290.48,"end":290.64,"confidence":0.9995964,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05964889377355576},{"word":"probably","start":290.64,"end":291.14,"confidence":0.99725574,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.04763253778219223},{"word":"might","start":291.36002,"end":291.86002,"confidence":0.8868376,"punctuated_word":"might,","sentiment":"neutral","sentiment_score":-0.036313071846961975},{"word":"depending","start":291.92,"end":292.42,"confidence":0.98445743,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":-0.02999330312013626},{"word":"on","start":292.96002,"end":293.12,"confidence":0.9929121,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.02319890260696411},{"word":"where","start":293.12,"end":293.36002,"confidence":0.9974952,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.07536813616752625},{"word":"you're","start":293.36002,"end":293.52002,"confidence":0.79405,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.10659968107938766},{"word":"sort","start":293.52002,"end":293.76,"confidence":0.99386156,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.06895790994167328},{"word":"of","start":293.76,"end":293.84,"confidence":0.92047125,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12357275933027267},{"word":"located","start":293.84,"end":294.24002,"confidence":0.9678506,"punctuated_word":"located,","sentiment":"neutral","sentiment_score":-0.12565287947654724},{"word":"struggle","start":294.24002,"end":294.64,"confidence":0.98606837,"punctuated_word":"struggle","sentiment":"neutral","sentiment_score":-0.2020116001367569},{"word":"to","start":294.64,"end":294.88,"confidence":0.99802494,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2839706242084503},{"word":"find","start":294.88,"end":295.2,"confidence":0.99821633,"punctuated_word":"find","sentiment":"neutral","sentiment_score":-0.2878788113594055},{"word":"a","start":295.2,"end":295.28,"confidence":0.90176797,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09282489866018297},{"word":"buyer","start":295.28,"end":295.6,"confidence":0.95796585,"punctuated_word":"buyer","sentiment":"neutral","sentiment_score":-0.0726211816072464},{"word":"for","start":295.6,"end":295.76,"confidence":0.99829787,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0045016855001449585},{"word":"what","start":295.76,"end":295.92,"confidence":0.99958426,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1013583391904831},{"word":"you","start":295.92,"end":296.08002,"confidence":0.9999032,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07457670569419861},{"word":"want","start":296.08002,"end":296.32,"confidence":0.9993274,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.027580738067626953},{"word":"given","start":296.32,"end":296.64,"confidence":0.60366994,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.06146690249443054},{"word":"that","start":296.64,"end":297.04,"confidence":0.7399947,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.004400376230478287},{"word":"you","start":297.04,"end":297.12,"confidence":0.9954046,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05967741459608078},{"word":"know","start":297.12,"end":297.36002,"confidence":0.9996245,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.0350906066596508},{"word":"the","start":297.36002,"end":297.44,"confidence":0.621396,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.023306459188461304},{"word":"interest","start":297.44,"end":297.84,"confidence":0.9997806,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.02860178053379059},{"word":"rate","start":297.84,"end":298.0,"confidence":0.9992692,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.09351055324077606},{"word":"and","start":298.0,"end":298.16,"confidence":0.9898566,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04342350363731384},{"word":"inflation","start":298.16,"end":298.64,"confidence":0.99923575,"punctuated_word":"inflation","sentiment":"neutral","sentiment_score":-0.0025784075260162354},{"word":"is","start":298.64,"end":298.80002,"confidence":0.99909115,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0948438048362732},{"word":"going","start":298.80002,"end":298.96002,"confidence":0.9997644,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.04540923237800598},{"word":"up","start":298.96002,"end":299.2,"confidence":0.85328823,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.03546944260597229},{"word":"cost","start":299.2,"end":299.44,"confidence":0.99112797,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.02367338538169861},{"word":"of","start":299.44,"end":299.6,"confidence":0.99669516,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29419541358947754},{"word":"living","start":299.6,"end":299.84,"confidence":0.9997558,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.22967255115509033},{"word":"is","start":299.84,"end":300.0,"confidence":0.99809533,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4325447082519531},{"word":"going","start":300.0,"end":300.5,"confidence":0.9986424,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.5172241926193237},{"word":"up","start":304.405,"end":304.645,"confidence":0.83912253,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.16384388506412506},{"word":"and","start":304.645,"end":305.04498,"confidence":0.9274555,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.26509949564933777},{"word":"yeah","start":305.04498,"end":305.54498,"confidence":0.99044955,"punctuated_word":"yeah,","sentiment":"positive","sentiment_score":0.350838303565979},{"word":"at","start":305.60498,"end":305.76498,"confidence":0.98250455,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.33207404613494873},{"word":"least","start":305.76498,"end":306.16498,"confidence":0.99690694,"punctuated_word":"least","sentiment":"neutral","sentiment_score":0.2428949773311615},{"word":"with","start":306.16498,"end":306.645,"confidence":0.9092046,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4147990345954895},{"word":"attending","start":306.645,"end":307.125,"confidence":0.9546477,"punctuated_word":"attending","sentiment":"neutral","sentiment_score":0.33299171924591064},{"word":"there","start":307.125,"end":307.285,"confidence":0.9184263,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.30896925926208496},{"word":"although","start":307.285,"end":307.525,"confidence":0.99502856,"punctuated_word":"although","sentiment":"neutral","sentiment_score":0.21876803040504456},{"word":"you","start":307.525,"end":307.76498,"confidence":0.9766368,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29954320192337036},{"word":"are","start":307.76498,"end":307.925,"confidence":0.9985757,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.235355406999588},{"word":"paying","start":307.925,"end":308.32498,"confidence":0.9998381,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.012058600783348083},{"word":"tax","start":308.32498,"end":308.82498,"confidence":0.9734298,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.260353147983551},{"word":"you","start":308.88498,"end":309.125,"confidence":0.88672054,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3849961161613464},{"word":"like","start":309.365,"end":309.60498,"confidence":0.9055809,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.3837513327598572},{"word":"you're","start":309.60498,"end":309.76498,"confidence":0.9995014,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.44551050662994385},{"word":"making","start":309.76498,"end":310.085,"confidence":0.99986887,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.4205760061740875},{"word":"money","start":310.085,"end":310.405,"confidence":0.9957066,"punctuated_word":"money","sentiment":"positive","sentiment_score":0.3746460974216461},{"word":"at","start":310.405,"end":310.565,"confidence":0.99981743,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.4029377102851868},{"word":"the","start":310.565,"end":310.645,"confidence":0.99879694,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5156964659690857},{"word":"end","start":310.645,"end":310.805,"confidence":0.99992335,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.47906145453453064},{"word":"of","start":310.805,"end":310.88498,"confidence":0.999747,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5104044079780579},{"word":"the","start":310.88498,"end":311.04498,"confidence":0.99920374,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4990720748901367},{"word":"day","start":311.04498,"end":311.54498,"confidence":0.91506517,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":0.3130669593811035},{"word":"plus","start":312.565,"end":312.805,"confidence":0.9451913,"punctuated_word":"Plus","sentiment":"neutral","sentiment_score":0.2618476450443268},{"word":"if","start":312.805,"end":312.965,"confidence":0.5869701,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3714675307273865},{"word":"you","start":312.965,"end":313.125,"confidence":0.9996437,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4045501947402954},{"word":"hold","start":313.125,"end":313.365,"confidence":0.9996551,"punctuated_word":"hold","sentiment":"positive","sentiment_score":0.3970906436443329},{"word":"that","start":313.365,"end":313.60498,"confidence":0.99925774,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3633187711238861},{"word":"long","start":313.60498,"end":313.925,"confidence":0.99987113,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.28640124201774597},{"word":"term","start":313.925,"end":314.425,"confidence":0.9946765,"punctuated_word":"term,","sentiment":"positive","sentiment_score":0.36124172806739807},{"word":"the","start":314.88998,"end":315.05,"confidence":0.9928731,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4854268729686737},{"word":"benefit","start":315.05,"end":315.44998,"confidence":0.9998542,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.37851274013519287},{"word":"of","start":315.44998,"end":315.61,"confidence":0.9998553,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5018359422683716},{"word":"that","start":315.61,"end":315.77,"confidence":0.99992,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4580573141574859},{"word":"is","start":315.77,"end":316.09,"confidence":0.7535271,"punctuated_word":"is,","sentiment":"positive","sentiment_score":0.4069405794143677},{"word":"obviously","start":316.09,"end":316.59,"confidence":0.9737439,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.31903916597366333},{"word":"you","start":316.88998,"end":316.96997,"confidence":0.9993315,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.199522003531456},{"word":"know","start":316.96997,"end":317.05,"confidence":0.96874154,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.20339374244213104},{"word":"you've","start":317.05,"end":317.28998,"confidence":0.9997233,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.20541751384735107},{"word":"held","start":317.28998,"end":317.53,"confidence":0.99765706,"punctuated_word":"held","sentiment":"neutral","sentiment_score":0.23941843211650848},{"word":"it","start":317.53,"end":317.69,"confidence":0.7412114,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.21879076957702637},{"word":"you","start":317.69,"end":317.84998,"confidence":0.97756416,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1269204467535019},{"word":"know","start":317.84998,"end":318.00998,"confidence":0.99779093,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.16804184019565582},{"word":"since","start":318.00998,"end":318.25,"confidence":0.99958533,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.2120884656906128},{"word":"you","start":318.25,"end":318.33,"confidence":0.9986499,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22112834453582764},{"word":"were","start":318.33,"end":318.56998,"confidence":0.8799705,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.15247073769569397},{"word":"17","start":318.56998,"end":318.97,"confidence":0.764094,"punctuated_word":"17.","sentiment":"positive","sentiment_score":0.3516055643558502},{"word":"it's","start":318.97,"end":319.21,"confidence":0.9944849,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2690390944480896},{"word":"gone","start":319.21,"end":319.44998,"confidence":0.9877424,"punctuated_word":"gone","sentiment":"positive","sentiment_score":0.43463101983070374},{"word":"from","start":319.44998,"end":319.77,"confidence":0.9996644,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.3169075846672058},{"word":"68","start":319.77,"end":320.33,"confidence":0.998267,"punctuated_word":"68","sentiment":"positive","sentiment_score":0.35697388648986816},{"word":"to","start":320.33,"end":320.56998,"confidence":0.9983935,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2112049460411072},{"word":"$4.50","start":320.56998,"end":321.13,"confidence":0.9822899,"punctuated_word":"$4.50.","sentiment":"neutral","sentiment_score":0.26484981179237366},{"word":"so","start":321.13,"end":321.28998,"confidence":0.999464,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10743512213230132},{"word":"even","start":321.28998,"end":321.44998,"confidence":0.9994804,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.1039973795413971},{"word":"if","start":321.44998,"end":321.61,"confidence":0.999846,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.039585113525390625},{"word":"it","start":321.61,"end":321.77,"confidence":0.9991671,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0664873868227005},{"word":"did","start":321.77,"end":321.93,"confidence":0.999742,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.02078248560428619},{"word":"take","start":321.93,"end":322.09,"confidence":0.99986434,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.07992172241210938},{"word":"a","start":322.09,"end":322.25,"confidence":0.9990043,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10391952842473984},{"word":"decrease","start":322.25,"end":322.75,"confidence":0.99955505,"punctuated_word":"decrease","sentiment":"neutral","sentiment_score":-0.15932396054267883},{"word":"after","start":323.44998,"end":323.94998,"confidence":0.97869945,"punctuated_word":"after,","sentiment":"neutral","sentiment_score":-0.11276230216026306},{"word":"you","start":324.16998,"end":324.25,"confidence":0.9997595,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08912280946969986},{"word":"know","start":324.25,"end":324.65,"confidence":0.9997009,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.05720195174217224},{"word":"the","start":324.65,"end":324.81,"confidence":0.9996344,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09134681522846222},{"word":"events","start":324.81,"end":325.21,"confidence":0.99965644,"punctuated_word":"events","sentiment":"neutral","sentiment_score":-0.15197482705116272},{"word":"that","start":325.21,"end":325.44998,"confidence":0.9969457,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04302411526441574},{"word":"happen","start":325.44998,"end":325.93,"confidence":0.65220004,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.05747535824775696},{"word":"with","start":325.93,"end":326.16998,"confidence":0.9977214,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.11432495713233948},{"word":"inflation","start":326.16998,"end":326.66998,"confidence":0.9984511,"punctuated_word":"inflation","sentiment":"neutral","sentiment_score":-0.10235609114170074},{"word":"rising","start":326.72998,"end":327.22998,"confidence":0.99675155,"punctuated_word":"rising,","sentiment":"neutral","sentiment_score":-0.06963212043046951},{"word":"there","start":327.53,"end":327.69,"confidence":0.86364055,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.04241883009672165},{"word":"is","start":327.69,"end":327.84998,"confidence":0.99862075,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17473387718200684},{"word":"a","start":327.84998,"end":327.93,"confidence":0.9969021,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29441308975219727},{"word":"chance","start":327.93,"end":328.16998,"confidence":0.9839273,"punctuated_word":"chance,","sentiment":"neutral","sentiment_score":0.25891661643981934},{"word":"you","start":328.16998,"end":328.25,"confidence":0.99933344,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.33728325366973877},{"word":"know","start":328.25,"end":328.41,"confidence":0.99976444,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.35595521330833435},{"word":"if","start":328.41,"end":328.56998,"confidence":0.9996271,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4412387311458587},{"word":"you","start":328.56998,"end":328.65,"confidence":0.99934953,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3700937032699585},{"word":"do","start":328.65,"end":328.88998,"confidence":0.9995022,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.28290268778800964},{"word":"hold","start":328.88998,"end":329.05,"confidence":0.999019,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.26968222856521606},{"word":"it","start":329.05,"end":329.13,"confidence":0.9583755,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2739921510219574},{"word":"for","start":329.13,"end":329.28998,"confidence":0.9760784,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18978840112686157},{"word":"the","start":329.28998,"end":329.37,"confidence":0.96731746,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25922349095344543},{"word":"next","start":329.37,"end":329.655,"confidence":0.9924825,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.17678162455558777},{"word":"sort","start":329.655,"end":329.95795,"confidence":0.87779963,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1983983218669891},{"word":"of","start":329.95795,"end":330.26086,"confidence":0.9308068,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2767142653465271},{"word":"ten","start":330.26086,"end":330.5638,"confidence":0.9987293,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.2732508182525635},{"word":"or","start":330.5638,"end":330.86673,"confidence":0.99941874,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.23333829641342163},{"word":"so","start":330.86673,"end":331.16968,"confidence":0.9990294,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2298506498336792},{"word":"years","start":331.16968,"end":331.4726,"confidence":0.77342826,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.29636722803115845},{"word":"that","start":331.4726,"end":331.77554,"confidence":0.99523985,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.29978635907173157},{"word":"it's","start":331.77554,"end":332.0785,"confidence":0.99724245,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.30814477801322937},{"word":"still","start":332.0785,"end":332.3814,"confidence":0.9998518,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.26652172207832336},{"word":"gonna","start":332.3814,"end":332.68436,"confidence":0.907724,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.2960892915725708},{"word":"be","start":332.68436,"end":332.98727,"confidence":0.996628,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.32500186562538147},{"word":"up","start":332.98727,"end":333.29022,"confidence":0.9996302,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3574596047401428},{"word":"from","start":333.29022,"end":333.59314,"confidence":0.9998629,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.35334959626197815},{"word":"where","start":333.59314,"end":333.8961,"confidence":0.99988186,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.3066486120223999},{"word":"it","start":333.8961,"end":334.199,"confidence":0.9984755,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.34038832783699036},{"word":"is","start":334.199,"end":334.50195,"confidence":0.9998903,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2821096181869507},{"word":"now","start":334.50195,"end":334.8049,"confidence":0.9998523,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.2697095274925232},{"word":"as","start":334.8049,"end":335.10782,"confidence":0.8642308,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3773261904716492},{"word":"a","start":335.10782,"end":335.41077,"confidence":0.9997061,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20650681853294373},{"word":"property","start":335.41077,"end":335.71368,"confidence":0.9998166,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.30991509556770325},{"word":"investment","start":335.71368,"end":336.01663,"confidence":0.98196864,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":0.20324388146400452},{"word":"and","start":336.01663,"end":336.31955,"confidence":0.99923944,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17406219244003296},{"word":"then","start":336.31955,"end":336.6225,"confidence":0.9887256,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.15797868371009827},{"word":"yeah","start":336.6225,"end":336.92545,"confidence":0.9981044,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.22298464179039},{"word":"there","start":336.92545,"end":337.22836,"confidence":0.99986315,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.23818758130073547},{"word":"is","start":337.22836,"end":337.5313,"confidence":0.9999032,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.21702611446380615},{"word":"the","start":337.5313,"end":337.83423,"confidence":0.9989844,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21125610172748568},{"word":"option","start":337.83423,"end":338.13718,"confidence":0.99991846,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.1494169980287552},{"word":"if","start":338.13718,"end":338.4401,"confidence":0.92504317,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.23685002326965332},{"word":"you","start":338.4401,"end":338.74304,"confidence":0.99993443,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2013716101646423},{"word":"can","start":338.74304,"end":339.046,"confidence":0.9999232,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17529749870300293},{"word":"sort","start":339.046,"end":339.3489,"confidence":0.9804324,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.14981669187545776},{"word":"of","start":339.3489,"end":339.65186,"confidence":0.99884295,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17733101546764374},{"word":"service","start":339.65186,"end":339.95477,"confidence":0.997843,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.14027974009513855},{"word":"a","start":339.95477,"end":340.25772,"confidence":0.9018344,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2175106257200241},{"word":"future","start":340.25772,"end":340.56064,"confidence":0.9990594,"punctuated_word":"future","sentiment":"neutral","sentiment_score":0.19755014777183533},{"word":"loan","start":340.56064,"end":340.8636,"confidence":0.99475914,"punctuated_word":"loan","sentiment":"neutral","sentiment_score":0.2013651579618454},{"word":"just","start":340.8636,"end":341.1665,"confidence":0.83609724,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20006191730499268},{"word":"having","start":341.1665,"end":341.46945,"confidence":0.99988866,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.21275736391544345},{"word":"another","start":341.46945,"end":341.7724,"confidence":0.99979967,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.20365968346595764},{"word":"investment","start":341.7724,"end":342.07532,"confidence":0.9997912,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.16536135971546173},{"word":"property","start":342.07532,"end":342.37827,"confidence":0.99976367,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.21693190932273865},{"word":"in","start":342.37827,"end":342.68118,"confidence":0.9991737,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26149240136146545},{"word":"your","start":342.68118,"end":342.98413,"confidence":0.999582,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2311689704656601},{"word":"name","start":342.98413,"end":343.28705,"confidence":0.9990337,"punctuated_word":"name","sentiment":"neutral","sentiment_score":0.2283976525068283},{"word":"to","start":343.28705,"end":343.59,"confidence":0.752116,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19154083728790283},{"word":"if","start":343.75,"end":343.91,"confidence":0.9940163,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2071202248334885},{"word":"your","start":343.91,"end":344.07,"confidence":0.9953151,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13876159489154816},{"word":"main","start":344.07,"end":344.47,"confidence":0.99990773,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.18025340139865875},{"word":"concern","start":344.47,"end":344.87,"confidence":0.9998623,"punctuated_word":"concern","sentiment":"neutral","sentiment_score":0.09157391637563704},{"word":"was","start":344.87,"end":345.19,"confidence":0.9105164,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":0.11118867993354796},{"word":"you","start":345.19,"end":345.35,"confidence":0.9982893,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11480787396430968},{"word":"know","start":345.35,"end":345.51,"confidence":0.99988127,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08113999664783478},{"word":"the","start":345.51,"end":345.66998,"confidence":0.99980503,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08029384166002274},{"word":"amount","start":345.66998,"end":345.91,"confidence":0.999846,"punctuated_word":"amount","sentiment":"neutral","sentiment_score":0.09845289587974548},{"word":"of","start":345.91,"end":346.07,"confidence":0.9982951,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0808500200510025},{"word":"income","start":346.07,"end":346.38998,"confidence":0.99978644,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1315230429172516},{"word":"you're","start":346.38998,"end":346.55,"confidence":0.9644077,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.08755694329738617},{"word":"bringing","start":346.55,"end":346.79,"confidence":0.9988518,"punctuated_word":"bringing","sentiment":"neutral","sentiment_score":0.09143619984388351},{"word":"in","start":346.79,"end":347.03,"confidence":0.9964265,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08597254753112793},{"word":"versus","start":347.03,"end":347.35,"confidence":0.99800366,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":0.07449588179588318},{"word":"the","start":347.35,"end":347.51,"confidence":0.99895334,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.025605499744415283},{"word":"taxes","start":347.51,"end":347.91,"confidence":0.99931204,"punctuated_word":"taxes","sentiment":"neutral","sentiment_score":0.05421798676252365},{"word":"that","start":347.91,"end":348.07,"confidence":0.9996693,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03939018398523331},{"word":"you're","start":348.07,"end":348.23,"confidence":0.9980173,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.042392950505018234},{"word":"offsetting","start":348.23,"end":348.73,"confidence":0.9854447,"punctuated_word":"offsetting.","sentiment":"neutral","sentiment_score":0.050429731607437134},{"word":"so","start":351.99,"end":352.22998,"confidence":0.99232304,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.20586071908473969},{"word":"there's","start":352.22998,"end":352.72998,"confidence":0.910306,"punctuated_word":"there's,","sentiment":"neutral","sentiment_score":0.2665741443634033},{"word":"yeah","start":352.87,"end":353.19,"confidence":0.9966055,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.3088420629501343},{"word":"there's","start":353.19,"end":353.43,"confidence":0.9991907,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.3286983370780945},{"word":"a","start":353.43,"end":353.59,"confidence":0.99943584,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3307177424430847},{"word":"few","start":353.59,"end":353.83,"confidence":0.9999236,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.22205615043640137},{"word":"different","start":353.83,"end":354.33,"confidence":0.99976176,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.22467580437660217},{"word":"options","start":354.38998,"end":354.88998,"confidence":0.9997571,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.15927191078662872},{"word":"there","start":355.03,"end":355.53,"confidence":0.9969216,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.37011176347732544},{"word":"for","start":355.685,"end":355.845,"confidence":0.9999689,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3335568904876709},{"word":"you","start":355.845,"end":356.005,"confidence":0.99993575,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.33288857340812683},{"word":"in","start":356.005,"end":356.165,"confidence":0.9966106,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.29379069805145264},{"word":"terms","start":356.165,"end":356.565,"confidence":0.99995923,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.241335853934288},{"word":"of","start":356.565,"end":356.64502,"confidence":0.9457723,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.3071270287036896},{"word":"like","start":356.64502,"end":356.885,"confidence":0.9989915,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.27961480617523193},{"word":"the","start":356.885,"end":357.045,"confidence":0.99977714,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30079925060272217},{"word":"way","start":357.045,"end":357.20502,"confidence":0.9999347,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.2837010324001312},{"word":"you","start":357.20502,"end":357.36502,"confidence":0.99961793,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2851521968841553},{"word":"can","start":357.36502,"end":357.52502,"confidence":0.99986124,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2568558156490326},{"word":"look","start":357.52502,"end":357.685,"confidence":0.99977833,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.21547625958919525},{"word":"at","start":357.685,"end":357.845,"confidence":0.9997056,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21654333174228668},{"word":"it","start":357.845,"end":358.165,"confidence":0.99940586,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2740682065486908},{"word":"and","start":358.165,"end":358.325,"confidence":0.73692757,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3303286135196686},{"word":"then","start":358.325,"end":358.48502,"confidence":0.99909174,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.3408008813858032},{"word":"what","start":358.48502,"end":358.64502,"confidence":0.9993111,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.330733060836792},{"word":"you","start":358.64502,"end":358.80502,"confidence":0.99882084,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27673426270484924},{"word":"sort","start":358.80502,"end":359.045,"confidence":0.9969939,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.21276745200157168},{"word":"of","start":359.045,"end":359.125,"confidence":0.9952608,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2794807553291321},{"word":"value","start":359.125,"end":359.445,"confidence":0.99969196,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.22481608390808103},{"word":"more","start":359.445,"end":359.685,"confidence":0.86074775,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":0.2737025320529938},{"word":"and","start":359.685,"end":359.765,"confidence":0.99968755,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.24963811039924624},{"word":"then","start":359.765,"end":359.92502,"confidence":0.9998122,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2487260699272156},{"word":"we","start":359.92502,"end":360.08502,"confidence":0.99823976,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.30610159039497375},{"word":"can","start":360.08502,"end":360.24503,"confidence":0.993277,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3208169937133789},{"word":"even","start":360.24503,"end":360.565,"confidence":0.9995289,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.2894911468029022},{"word":"refer","start":360.565,"end":360.965,"confidence":0.99955994,"punctuated_word":"refer","sentiment":"neutral","sentiment_score":0.24182981252670288},{"word":"you","start":360.965,"end":361.125,"confidence":0.99980205,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3811608552932739},{"word":"on","start":361.125,"end":361.625,"confidence":0.9359043,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.35033831000328064},{"word":"to","start":361.685,"end":361.845,"confidence":0.8849103,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30908676981925964},{"word":"a","start":361.845,"end":362.005,"confidence":0.9962352,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3118796646595001},{"word":"mortgage","start":362.005,"end":362.405,"confidence":0.9996854,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.2529238760471344},{"word":"broker","start":362.405,"end":362.725,"confidence":0.99988115,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":0.2118312418460846},{"word":"and","start":362.725,"end":362.885,"confidence":0.997827,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2529190480709076},{"word":"sort","start":362.885,"end":363.125,"confidence":0.9925849,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2777181565761566},{"word":"of","start":363.125,"end":363.20502,"confidence":0.9214916,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2788184583187103},{"word":"get","start":363.20502,"end":363.36502,"confidence":0.9902424,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.22971738874912265},{"word":"an","start":363.36502,"end":363.52502,"confidence":0.99759597,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.24420778453350067},{"word":"opinion","start":363.52502,"end":363.92502,"confidence":0.999972,"punctuated_word":"opinion","sentiment":"neutral","sentiment_score":0.18140777945518496},{"word":"based","start":363.92502,"end":364.165,"confidence":0.9987507,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.29499536752700806},{"word":"on","start":364.165,"end":364.245,"confidence":0.99982184,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.29059943556785583},{"word":"the","start":364.245,"end":364.405,"confidence":0.9990589,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3165118098258972},{"word":"markets","start":364.405,"end":364.80502,"confidence":0.85629165,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":0.29336827993392944},{"word":"and","start":364.80502,"end":364.965,"confidence":0.90202814,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35647544264793396},{"word":"what","start":364.965,"end":365.20502,"confidence":0.9995652,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3880885243415833},{"word":"they","start":365.20502,"end":365.36502,"confidence":0.9997788,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.2622860372066498},{"word":"think","start":365.36502,"end":365.685,"confidence":0.9995185,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.19644036889076233},{"word":"or","start":365.685,"end":365.845,"confidence":0.6617971,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.32765036821365356},{"word":"maybe","start":365.845,"end":366.165,"confidence":0.9985697,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.3132583200931549},{"word":"what","start":366.165,"end":366.325,"confidence":0.99888986,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2910296618938446},{"word":"you","start":366.325,"end":366.405,"confidence":0.9995461,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2799842655658722},{"word":"can","start":366.405,"end":366.64502,"confidence":0.99993896,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2659739553928375},{"word":"get","start":366.64502,"end":366.885,"confidence":0.999479,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2298332452774048},{"word":"for","start":366.885,"end":366.965,"confidence":0.9981908,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23121334612369537},{"word":"it","start":366.965,"end":367.125,"confidence":0.99926287,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2399481236934662},{"word":"and","start":367.125,"end":367.285,"confidence":0.973081,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.26826849579811096},{"word":"what","start":367.285,"end":367.52502,"confidence":0.99851483,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.3067898452281952},{"word":"maybe","start":367.52502,"end":367.845,"confidence":0.97745514,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.28318893909454346},{"word":"is","start":367.845,"end":368.08502,"confidence":0.9983461,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.24919046461582184},{"word":"out","start":368.08502,"end":368.165,"confidence":0.99964035,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.24642401933670044},{"word":"there","start":368.165,"end":368.405,"confidence":0.99946827,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20035341382026672},{"word":"in","start":368.405,"end":368.565,"confidence":0.6314103,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20982681214809415},{"word":"terms","start":368.565,"end":368.885,"confidence":0.99809366,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.19027136266231537},{"word":"of","start":368.885,"end":368.965,"confidence":0.5290053,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28411105275154114},{"word":"if","start":368.965,"end":369.125,"confidence":0.68475574,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24442756175994873},{"word":"you","start":369.125,"end":369.20502,"confidence":0.996512,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22106629610061648},{"word":"did","start":369.20502,"end":369.445,"confidence":0.9987495,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.17551091313362122},{"word":"wanna","start":369.445,"end":369.685,"confidence":0.71244717,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.19911932945251465},{"word":"look","start":369.685,"end":369.845,"confidence":0.9977126,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11285164952278136},{"word":"at","start":369.845,"end":369.92502,"confidence":0.9992267,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1030111014842987},{"word":"buying","start":369.92502,"end":370.245,"confidence":0.99992573,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.10386363416910172},{"word":"again","start":370.245,"end":370.745,"confidence":0.9911767,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.11656735092401505},{"word":"yep","start":377.96002,"end":378.46002,"confidence":0.9670533,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05015025660395622},{"word":"and","start":386.935,"end":387.255,"confidence":0.54112333,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09163815528154372},{"word":"from","start":387.255,"end":387.735,"confidence":0.8979238,"punctuated_word":"from,","sentiment":"neutral","sentiment_score":0.06671751290559769},{"word":"like","start":387.735,"end":388.055,"confidence":0.9724794,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0921657532453537},{"word":"obviously","start":388.055,"end":388.375,"confidence":0.99369895,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.08624063432216644},{"word":"you","start":388.375,"end":388.695,"confidence":0.76414216,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07869865000247955},{"word":"know","start":388.695,"end":388.855,"confidence":0.99950886,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07640531659126282},{"word":"the","start":388.855,"end":389.01498,"confidence":0.9900059,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09208758920431136},{"word":"few","start":389.01498,"end":389.175,"confidence":0.99884254,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.09440696239471436},{"word":"different","start":389.175,"end":389.495,"confidence":0.9998834,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.07054685801267624},{"word":"things","start":389.495,"end":389.815,"confidence":0.99965036,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0568254292011261},{"word":"there","start":389.815,"end":390.055,"confidence":0.7094014,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.07858602702617645},{"word":"if","start":390.055,"end":390.135,"confidence":0.5357434,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11648955941200256},{"word":"you","start":390.135,"end":390.635,"confidence":0.996581,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07482726871967316},{"word":"like","start":391.01498,"end":391.175,"confidence":0.9886697,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1010311394929886},{"word":"is","start":391.175,"end":391.335,"confidence":0.99785244,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10228487849235536},{"word":"there","start":391.335,"end":391.495,"confidence":0.97723174,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.09976289421319962},{"word":"one","start":391.495,"end":391.655,"confidence":0.9978721,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0814913660287857},{"word":"that","start":391.655,"end":391.815,"confidence":0.9982072,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0702381581068039},{"word":"sort","start":391.815,"end":392.055,"confidence":0.9947404,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.03985791653394699},{"word":"of","start":392.055,"end":392.135,"confidence":0.960347,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05762778967618942},{"word":"jumps","start":392.135,"end":392.375,"confidence":0.9828394,"punctuated_word":"jumps","sentiment":"neutral","sentiment_score":0.0742502212524414},{"word":"out","start":392.375,"end":392.535,"confidence":0.99225277,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.09497206658124924},{"word":"to","start":392.535,"end":392.615,"confidence":0.9936546,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06785832345485687},{"word":"you","start":392.615,"end":392.775,"confidence":0.99750096,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.040291398763656616},{"word":"more","start":392.775,"end":393.01498,"confidence":0.9469893,"punctuated_word":"more?","sentiment":"neutral","sentiment_score":0.060347527265548706},{"word":"is","start":393.01498,"end":393.095,"confidence":0.9844022,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0397476851940155},{"word":"there","start":393.095,"end":393.335,"confidence":0.98102814,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.049958303570747375},{"word":"one","start":393.335,"end":393.495,"confidence":0.99937266,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0205464381724596},{"word":"that","start":393.495,"end":393.735,"confidence":0.9988663,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.013172369450330734},{"word":"sort","start":393.735,"end":393.895,"confidence":0.92772347,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.010473515838384628},{"word":"of","start":393.895,"end":394.395,"confidence":0.9996487,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.003005102276802063},{"word":"you","start":394.615,"end":394.855,"confidence":0.80496067,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0009090527892112732},{"word":"feel","start":394.855,"end":395.095,"confidence":0.99953485,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.008971326053142548},{"word":"like","start":395.095,"end":395.595,"confidence":0.7953186,"punctuated_word":"like?","sentiment":"neutral","sentiment_score":-0.017603866755962372},{"word":"yep","start":408.79498,"end":409.29498,"confidence":0.97708404,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.06145184487104416},{"word":"yeah","start":420.78,"end":421.28,"confidence":0.98019695,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.24891430139541623},{"word":"like","start":434.715,"end":434.875,"confidence":0.6186017,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.1884719580411911},{"word":"the","start":434.875,"end":435.115,"confidence":0.9981858,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27489984035491943},{"word":"commercial","start":435.115,"end":435.615,"confidence":0.99923956,"punctuated_word":"commercial","sentiment":"neutral","sentiment_score":-0.26120978593826294},{"word":"space","start":435.675,"end":436.175,"confidence":0.8758791,"punctuated_word":"space?","sentiment":"neutral","sentiment_score":-0.15917228162288666},{"word":"yeah","start":454.00998,"end":454.50998,"confidence":0.7852034,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04835302382707596},{"word":"because","start":455.44998,"end":455.77,"confidence":0.8584514,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.05538298189640045},{"word":"even","start":455.77,"end":456.00998,"confidence":0.9859206,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.07575364410877228},{"word":"then","start":456.00998,"end":456.16998,"confidence":0.9151796,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.07116563618183136},{"word":"like","start":456.16998,"end":456.40997,"confidence":0.99655414,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.08275280892848969},{"word":"when","start":456.40997,"end":456.56998,"confidence":0.9996319,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.11212970316410063},{"word":"you","start":456.56998,"end":456.65,"confidence":0.9993123,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10138136893510818},{"word":"have","start":456.65,"end":456.88998,"confidence":0.998889,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.11085299402475356},{"word":"a","start":456.88998,"end":456.96997,"confidence":0.8232518,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10391941666603088},{"word":"discussion","start":456.96997,"end":457.365,"confidence":0.9991333,"punctuated_word":"discussion","sentiment":"neutral","sentiment_score":0.06768813729286194},{"word":"with","start":457.365,"end":457.525,"confidence":0.993999,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1214970201253891},{"word":"a","start":457.525,"end":457.76498,"confidence":0.8294102,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11870676279067992},{"word":"mortgage","start":457.76498,"end":457.845,"confidence":0.9996493,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.07013287395238876},{"word":"broker","start":457.845,"end":458.16498,"confidence":0.93879104,"punctuated_word":"broker,","sentiment":"neutral","sentiment_score":0.09208793938159944},{"word":"can","start":458.16498,"end":458.32498,"confidence":0.61096686,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11576302349567412},{"word":"they","start":458.32498,"end":458.405,"confidence":0.9150151,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.13658608496189115},{"word":"can","start":458.405,"end":458.565,"confidence":0.9404924,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1012403592467308},{"word":"sort","start":458.565,"end":458.645,"confidence":0.9979861,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09998514503240584},{"word":"of","start":458.645,"end":458.805,"confidence":0.9992022,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11651375889778136},{"word":"even","start":458.805,"end":459.04498,"confidence":0.99945885,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.1137840449810028},{"word":"let","start":459.04498,"end":459.125,"confidence":0.9996427,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1107705980539322},{"word":"you","start":459.125,"end":459.205,"confidence":0.99843246,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09959661960601808},{"word":"know","start":459.205,"end":459.44498,"confidence":0.999881,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.10551247000694276},{"word":"your","start":459.44498,"end":459.60498,"confidence":0.9963174,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09593448042869568},{"word":"serviceability","start":459.60498,"end":460.10498,"confidence":0.9828493,"punctuated_word":"serviceability","sentiment":"neutral","sentiment_score":0.16811922192573547},{"word":"of","start":460.805,"end":460.965,"confidence":0.9991074,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11402224004268646},{"word":"a","start":460.965,"end":461.04498,"confidence":0.99959105,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08930714428424835},{"word":"new","start":461.04498,"end":461.205,"confidence":0.99997723,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.0854814425110817},{"word":"loan","start":461.205,"end":461.525,"confidence":0.94365597,"punctuated_word":"loan,","sentiment":"neutral","sentiment_score":0.08749939501285553},{"word":"what","start":461.525,"end":461.76498,"confidence":0.9988527,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07254448533058167},{"word":"that","start":461.76498,"end":461.845,"confidence":0.9994647,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04082014784216881},{"word":"might","start":461.845,"end":462.085,"confidence":0.99989974,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.02501794323325157},{"word":"look","start":462.085,"end":462.245,"confidence":0.99969375,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.026704471558332443},{"word":"like","start":462.245,"end":462.485,"confidence":0.99278,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.01956513151526451},{"word":"based","start":462.485,"end":462.72498,"confidence":0.99637115,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.03702665865421295},{"word":"on","start":462.72498,"end":462.88498,"confidence":0.99966,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0317348912358284},{"word":"your","start":462.88498,"end":463.04498,"confidence":0.99949324,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01056939736008644},{"word":"current","start":463.04498,"end":463.365,"confidence":0.9999286,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.010860249400138857},{"word":"situation","start":463.365,"end":463.865,"confidence":0.9999405,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":-0.040065594017505646},{"word":"then","start":465.04498,"end":465.365,"confidence":0.4719242,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.03324297070503235},{"word":"versus","start":465.365,"end":465.845,"confidence":0.9217292,"punctuated_word":"versus,","sentiment":"neutral","sentiment_score":0.0021907533518970013},{"word":"like","start":465.845,"end":466.085,"confidence":0.99673593,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.016099506989121437},{"word":"selling","start":466.085,"end":466.485,"confidence":0.9998385,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.060720235109329224},{"word":"the","start":466.485,"end":466.565,"confidence":0.9909924,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.048985544592142105},{"word":"property","start":466.565,"end":467.04498,"confidence":0.9998565,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.043125052005052567},{"word":"as","start":467.04498,"end":467.205,"confidence":0.99980134,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0046408511698246},{"word":"well","start":467.205,"end":467.705,"confidence":0.999928,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.035336412489414215},{"word":"and","start":468.005,"end":468.16498,"confidence":0.47025812,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.014383535832166672},{"word":"then","start":468.16498,"end":468.66498,"confidence":0.9996308,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0024290457367897034},{"word":"what","start":468.805,"end":469.04498,"confidence":0.9973225,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.001500345766544342},{"word":"that","start":469.04498,"end":469.285,"confidence":0.9994899,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.00989815592765808},{"word":"sort","start":469.285,"end":469.44498,"confidence":0.98089063,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.010648123919963837},{"word":"of","start":469.44498,"end":469.60498,"confidence":0.81084025,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0025283880531787872},{"word":"looks","start":469.60498,"end":469.925,"confidence":0.9991848,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.00023249536752700808},{"word":"like","start":469.925,"end":470.085,"confidence":0.8449302,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":-0.003489255905151367},{"word":"because","start":470.085,"end":470.32498,"confidence":0.8184995,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":0.05264146625995636},{"word":"obviously","start":470.32498,"end":470.82498,"confidence":0.999491,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.0674513429403305},{"word":"in","start":470.965,"end":471.205,"confidence":0.99982953,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.091386616230011},{"word":"terms","start":471.205,"end":471.44498,"confidence":0.99997497,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.07991541922092438},{"word":"of","start":471.44498,"end":471.60498,"confidence":0.9673139,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.07357136905193329},{"word":"like","start":471.60498,"end":471.845,"confidence":0.99873126,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.036766164004802704},{"word":"your","start":471.845,"end":472.005,"confidence":0.99865556,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08278146386146545},{"word":"income","start":472.005,"end":472.32498,"confidence":0.999091,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.11324596405029295},{"word":"versus","start":472.32498,"end":472.645,"confidence":0.97201693,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":0.05314979329705238},{"word":"what","start":472.645,"end":472.805,"confidence":0.9966493,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.050293758511543274},{"word":"you're","start":472.805,"end":472.98,"confidence":0.96959054,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.09283269941806792},{"word":"saving","start":473.14,"end":473.64,"confidence":0.8071767,"punctuated_word":"saving,","sentiment":"neutral","sentiment_score":0.0853613093495369},{"word":"as","start":474.18002,"end":474.5,"confidence":0.6868449,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11121372133493423},{"word":"a","start":474.5,"end":474.66,"confidence":0.9995509,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17449012398719788},{"word":"household","start":474.66,"end":475.16,"confidence":0.9952214,"punctuated_word":"household,","sentiment":"neutral","sentiment_score":0.1361652910709381},{"word":"you've","start":475.22,"end":475.62003,"confidence":0.99741936,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.17180407047271729},{"word":"got","start":475.62003,"end":475.86002,"confidence":0.99990475,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.1949540823698044},{"word":"quite","start":475.86002,"end":476.1,"confidence":0.9995696,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":0.2121286392211914},{"word":"a","start":476.1,"end":476.18002,"confidence":0.99981827,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1986183524131775},{"word":"number","start":476.18002,"end":476.5,"confidence":0.99995625,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.2014012634754181},{"word":"of","start":476.5,"end":476.74002,"confidence":0.9995239,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20031490921974185},{"word":"savings","start":476.74002,"end":477.22,"confidence":0.9976387,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.16644373536109924},{"word":"sitting","start":477.22,"end":477.54,"confidence":0.99983144,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.23602095246315},{"word":"there","start":477.54,"end":477.7,"confidence":0.99986005,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.18980073928833008},{"word":"as","start":477.7,"end":477.78,"confidence":0.9998466,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17705842852592468},{"word":"well","start":477.78,"end":478.28,"confidence":0.98264587,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.13300660252571106},{"word":"so","start":478.42,"end":478.58002,"confidence":0.9401079,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12085029482841492},{"word":"you're","start":478.58002,"end":478.82,"confidence":0.8852078,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.17553719878196716},{"word":"obviously","start":478.82,"end":479.32,"confidence":0.75138736,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.15695250034332275},{"word":"based","start":479.38,"end":479.7,"confidence":0.99964297,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.20695289969444275},{"word":"on","start":479.7,"end":479.78,"confidence":0.99828523,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19450801610946655},{"word":"your","start":479.78,"end":479.94,"confidence":0.9902777,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15215544402599335},{"word":"current","start":479.94,"end":480.26,"confidence":0.9992588,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.10660982877016068},{"word":"situation","start":480.26,"end":480.74002,"confidence":0.9938557,"punctuated_word":"situation,","sentiment":"neutral","sentiment_score":0.16068372130393982},{"word":"able","start":480.74002,"end":480.90002,"confidence":0.46734214,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2073516547679901},{"word":"to","start":480.90002,"end":481.40002,"confidence":0.9523875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20061956346035004},{"word":"to","start":481.86002,"end":481.94,"confidence":0.91682863,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15721026062965393},{"word":"pay","start":481.94,"end":482.18002,"confidence":0.99357045,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.13760143518447876},{"word":"your","start":482.18002,"end":482.34,"confidence":0.99777573,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10266447067260742},{"word":"current","start":482.34,"end":482.66,"confidence":0.9989396,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.06724739074707031},{"word":"mortgage","start":482.66,"end":483.16,"confidence":0.9999354,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.07260315120220184},{"word":"repayments","start":483.22,"end":483.72,"confidence":0.96615267,"punctuated_word":"repayments.","sentiment":"neutral","sentiment_score":0.11865465342998505},{"word":"so","start":485.475,"end":485.715,"confidence":0.9872317,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05396774411201477},{"word":"even","start":485.715,"end":485.875,"confidence":0.98875624,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.09085692465305328},{"word":"then","start":485.875,"end":486.035,"confidence":0.84083235,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.05271511524915695},{"word":"it","start":486.035,"end":486.195,"confidence":0.996318,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05511166900396347},{"word":"becomes","start":486.195,"end":486.435,"confidence":0.99879503,"punctuated_word":"becomes","sentiment":"neutral","sentiment_score":0.08158499747514725},{"word":"a","start":486.435,"end":486.595,"confidence":0.94728076,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07311497628688812},{"word":"matter","start":486.595,"end":486.755,"confidence":0.99988997,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":0.052086398005485535},{"word":"of","start":486.755,"end":486.835,"confidence":0.9964154,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04478604346513748},{"word":"fact","start":486.835,"end":486.915,"confidence":0.99762875,"punctuated_word":"fact","sentiment":"neutral","sentiment_score":0.040753282606601715},{"word":"of","start":486.915,"end":487.07498,"confidence":0.82499075,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.039137423038482666},{"word":"like","start":487.07498,"end":487.235,"confidence":0.98650855,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04059572145342827},{"word":"if","start":487.235,"end":487.395,"confidence":0.9993692,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05366786941885948},{"word":"you","start":487.395,"end":487.555,"confidence":0.99938965,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03001360595226288},{"word":"did","start":487.555,"end":487.715,"confidence":0.99950445,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.002867966890335083},{"word":"sell","start":487.715,"end":487.955,"confidence":0.98140556,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.04904187470674515},{"word":"that","start":487.955,"end":488.035,"confidence":0.99805284,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05096380412578583},{"word":"property","start":488.035,"end":488.35498,"confidence":0.9801806,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":-0.04666803032159805},{"word":"put","start":488.35498,"end":488.47498,"confidence":0.9789621,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.05363161116838455},{"word":"it","start":488.47498,"end":488.595,"confidence":0.99562055,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.011764734983444214},{"word":"on","start":488.595,"end":488.835,"confidence":0.9996456,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.03660951554775238},{"word":"the","start":488.835,"end":489.235,"confidence":0.99563,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02354351431131363},{"word":"the","start":489.235,"end":489.395,"confidence":0.9825498,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011956103146076202},{"word":"primary","start":489.395,"end":489.79498,"confidence":0.9994941,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.007741168141365051},{"word":"residence","start":489.79498,"end":490.035,"confidence":0.9783246,"punctuated_word":"residence","sentiment":"neutral","sentiment_score":0.0270015150308609},{"word":"and","start":490.035,"end":490.195,"confidence":0.5186072,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.029556475579738617},{"word":"you","start":490.195,"end":490.35498,"confidence":0.9992907,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023911617696285248},{"word":"aren't","start":490.35498,"end":490.595,"confidence":0.9843294,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.02135186642408371},{"word":"sort","start":490.595,"end":490.715,"confidence":0.87627035,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.12535525858402252},{"word":"of","start":490.715,"end":490.835,"confidence":0.96652913,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.08474497497081757},{"word":"doing","start":490.835,"end":491.07498,"confidence":0.99864334,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.1195024400949478},{"word":"anything","start":491.07498,"end":491.395,"confidence":0.9997719,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.09339861571788788},{"word":"like","start":491.395,"end":491.555,"confidence":0.9995177,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.1113809272646904},{"word":"that","start":491.555,"end":491.79498,"confidence":0.9183954,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.04294821619987488},{"word":"you're","start":491.79498,"end":491.875,"confidence":0.9982251,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.009747406467795372},{"word":"gonna","start":491.875,"end":492.195,"confidence":0.97567695,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.055349238216876984},{"word":"have","start":492.195,"end":492.435,"confidence":0.99835443,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09615183621644974},{"word":"a","start":492.435,"end":492.51498,"confidence":0.9993568,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05133879184722901},{"word":"bit","start":492.51498,"end":492.755,"confidence":0.99892235,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07337366044521332},{"word":"more","start":492.755,"end":492.915,"confidence":0.99987626,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.03486775606870651},{"word":"disposable","start":492.915,"end":493.415,"confidence":0.99828464,"punctuated_word":"disposable","sentiment":"neutral","sentiment_score":0.03407856822013855},{"word":"income","start":493.475,"end":493.79498,"confidence":0.8278631,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":0.08939485251903534},{"word":"and","start":493.79498,"end":493.875,"confidence":0.9982603,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07141879945993423},{"word":"will","start":493.875,"end":494.115,"confidence":0.9981933,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.052614279091358185},{"word":"you","start":494.115,"end":494.275,"confidence":0.9998,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0911809429526329},{"word":"be","start":494.275,"end":494.435,"confidence":0.9993492,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0760645717382431},{"word":"putting","start":494.435,"end":494.755,"confidence":0.99981457,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":0.08991575241088867},{"word":"that","start":494.755,"end":495.155,"confidence":0.99911326,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08100369572639465},{"word":"towards","start":495.155,"end":495.475,"confidence":0.9988857,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.04345862567424774},{"word":"the","start":495.475,"end":495.635,"confidence":0.99907196,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06376857310533524},{"word":"mortgage","start":495.635,"end":496.035,"confidence":0.9998611,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.06362111121416092},{"word":"more","start":496.035,"end":496.275,"confidence":0.9447068,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.06891144067049026},{"word":"future","start":496.275,"end":496.595,"confidence":0.75806653,"punctuated_word":"future","sentiment":"neutral","sentiment_score":0.0991961508989334},{"word":"investments","start":496.595,"end":497.07498,"confidence":0.73326886,"punctuated_word":"investments,","sentiment":"neutral","sentiment_score":0.06307360529899597},{"word":"or","start":497.07498,"end":497.315,"confidence":0.99967885,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07368309050798416},{"word":"will","start":497.315,"end":497.475,"confidence":0.9985341,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.057268932461738586},{"word":"you","start":497.475,"end":497.635,"confidence":0.99968207,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05521029978990555},{"word":"just","start":497.635,"end":497.875,"confidence":0.9997669,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0697271078824997},{"word":"sort","start":497.875,"end":498.035,"confidence":0.9966246,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.04066689312458038},{"word":"of","start":498.035,"end":498.3,"confidence":0.98733985,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.06610419601202011},{"word":"you","start":498.37997,"end":498.46,"confidence":0.99523336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06786506623029709},{"word":"know","start":498.46,"end":498.69998,"confidence":0.999411,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.07385585457086563},{"word":"up","start":498.69998,"end":498.78,"confidence":0.99253595,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1368982046842575},{"word":"your","start":498.78,"end":499.02,"confidence":0.97653776,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0795462504029274},{"word":"spending","start":499.02,"end":499.41998,"confidence":0.9997079,"punctuated_word":"spending","sentiment":"neutral","sentiment_score":0.1645117998123169},{"word":"a","start":499.41998,"end":499.5,"confidence":0.9997876,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.057407449930906296},{"word":"little","start":499.5,"end":499.74,"confidence":0.9999372,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.053308822214603424},{"word":"bit","start":499.74,"end":499.97998,"confidence":0.9996878,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06330496072769165},{"word":"as","start":499.97998,"end":500.13998,"confidence":0.9983936,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05376076698303223},{"word":"well","start":500.13998,"end":500.37997,"confidence":0.9442311,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.05458702892065048},{"word":"which","start":500.37997,"end":500.62,"confidence":0.9998685,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.03162429481744766},{"word":"tends","start":500.62,"end":500.94,"confidence":0.9994312,"punctuated_word":"tends","sentiment":"neutral","sentiment_score":0.03174804151058197},{"word":"to","start":500.94,"end":501.18,"confidence":0.9987257,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02180144190788269},{"word":"happen","start":501.18,"end":501.5,"confidence":0.9993197,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.06440921872854233},{"word":"when","start":501.5,"end":501.65997,"confidence":0.99969554,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.059700824320316315},{"word":"you","start":501.65997,"end":501.74,"confidence":0.9997286,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05202936381101608},{"word":"got","start":501.74,"end":501.9,"confidence":0.80944115,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.06911133974790573},{"word":"a","start":501.9,"end":501.97998,"confidence":0.99961746,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05400851741433144},{"word":"bit","start":501.97998,"end":502.13998,"confidence":0.99980885,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.05812884867191315},{"word":"more","start":502.13998,"end":502.37997,"confidence":0.999705,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.03844164311885834},{"word":"free","start":502.37997,"end":502.53998,"confidence":0.99933404,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.06051386520266533},{"word":"cash","start":502.53998,"end":502.78,"confidence":0.9998425,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.07538142800331116},{"word":"flow","start":502.78,"end":503.28,"confidence":0.8233457,"punctuated_word":"flow?","sentiment":"neutral","sentiment_score":0.08160444349050522},{"word":"so","start":505.97998,"end":506.22,"confidence":0.9334788,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10539432615041731},{"word":"those","start":506.22,"end":506.37997,"confidence":0.7957955,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.13643330335617063},{"word":"are","start":506.37997,"end":506.46,"confidence":0.92168343,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10858723521232604},{"word":"all","start":506.46,"end":506.62,"confidence":0.9839304,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.146160289645195},{"word":"things","start":506.62,"end":506.94,"confidence":0.99902153,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.13739129900932312},{"word":"to","start":506.94,"end":507.18,"confidence":0.9995789,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14306117594242096},{"word":"to","start":507.18,"end":507.34,"confidence":0.8755754,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14548033475875854},{"word":"consider","start":507.34,"end":507.84,"confidence":0.9984859,"punctuated_word":"consider.","sentiment":"neutral","sentiment_score":0.1495177149772644},{"word":"we","start":508.62,"end":508.78,"confidence":0.931096,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.26338380575180054},{"word":"can","start":508.78,"end":509.09998,"confidence":0.9999523,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3157958388328552},{"word":"obviously","start":509.09998,"end":509.58,"confidence":0.90234715,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.321524441242218},{"word":"make","start":509.58,"end":509.81998,"confidence":0.9932468,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.3196086287498474},{"word":"that","start":509.81998,"end":509.97998,"confidence":0.9996704,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.36018791794776917},{"word":"referral","start":509.97998,"end":510.37997,"confidence":0.87739205,"punctuated_word":"referral.","sentiment":"neutral","sentiment_score":0.2808877229690552},{"word":"i'll","start":510.37997,"end":510.62,"confidence":0.99085695,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.302809476852417},{"word":"email","start":510.62,"end":511.12,"confidence":0.99935466,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2845166325569153},{"word":"through","start":511.65997,"end":512.16,"confidence":0.9340595,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.23260746896266937},{"word":"a","start":512.65497,"end":512.815,"confidence":0.74500734,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2595572769641876},{"word":"referral","start":512.815,"end":513.055,"confidence":0.99625826,"punctuated_word":"referral","sentiment":"neutral","sentiment_score":0.15324553847312927},{"word":"to","start":513.055,"end":513.375,"confidence":0.9969118,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2373933345079422},{"word":"a","start":513.375,"end":513.615,"confidence":0.9965024,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2189483791589737},{"word":"local","start":513.615,"end":513.935,"confidence":0.69549686,"punctuated_word":"local","sentiment":"neutral","sentiment_score":0.1803537905216217},{"word":"mortgage","start":513.935,"end":514.33496,"confidence":0.9994912,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.14658281207084656},{"word":"broker","start":514.33496,"end":514.57495,"confidence":0.9994861,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":0.15348157286643982},{"word":"we've","start":514.57495,"end":514.89496,"confidence":0.91544276,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.23526284098625183},{"word":"got","start":514.89496,"end":515.1749,"confidence":0.999694,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.25965818762779236},{"word":"here","start":515.1749,"end":515.45496,"confidence":0.99952126,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.24139155447483063},{"word":"just","start":515.45496,"end":515.695,"confidence":0.70343906,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2374342679977417},{"word":"with","start":515.695,"end":515.935,"confidence":0.99957484,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20854288339614868},{"word":"your","start":515.935,"end":516.095,"confidence":0.9824166,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2112739235162735},{"word":"general","start":516.095,"end":516.415,"confidence":0.99991465,"punctuated_word":"general","sentiment":"neutral","sentiment_score":0.20553506910800937},{"word":"situation","start":516.415,"end":516.815,"confidence":0.89697564,"punctuated_word":"situation,","sentiment":"neutral","sentiment_score":0.1959858536720276},{"word":"what","start":516.815,"end":516.975,"confidence":0.9995128,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.21972808241844177},{"word":"you","start":516.975,"end":517.13495,"confidence":0.9998853,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19813701510429385},{"word":"might","start":517.13495,"end":517.295,"confidence":0.99991167,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.1839623749256134},{"word":"be","start":517.295,"end":517.45496,"confidence":0.9994112,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1973244696855545},{"word":"looking","start":517.45496,"end":517.695,"confidence":0.9998604,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1616441011428833},{"word":"to","start":517.695,"end":517.77496,"confidence":0.9994336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1719299852848053},{"word":"do","start":517.77496,"end":518.01495,"confidence":0.8844467,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.17056885361671448},{"word":"and","start":518.01495,"end":518.255,"confidence":0.99976104,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21698184311389923},{"word":"you","start":518.255,"end":518.33496,"confidence":0.9954331,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20600852370262143},{"word":"can","start":518.33496,"end":518.495,"confidence":0.99991786,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.21078062057495117},{"word":"have","start":518.495,"end":518.57495,"confidence":0.9999057,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21505242586135864},{"word":"a","start":518.57495,"end":518.735,"confidence":0.99940515,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12965741753578186},{"word":"discussion","start":518.735,"end":519.055,"confidence":0.9998869,"punctuated_word":"discussion","sentiment":"neutral","sentiment_score":0.1289299875497818},{"word":"with","start":519.055,"end":519.21497,"confidence":0.99963665,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.1487646996974945},{"word":"them","start":519.21497,"end":519.71497,"confidence":0.99967957,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.13821116089820862},{"word":"to","start":519.855,"end":520.01495,"confidence":0.9975612,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08280088752508163},{"word":"see","start":520.01495,"end":520.33496,"confidence":0.99604356,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.13021233677864075},{"word":"how","start":520.33496,"end":520.83496,"confidence":0.90826213,"punctuated_word":"how,","sentiment":"neutral","sentiment_score":0.11238926649093628},{"word":"yeah","start":520.975,"end":521.295,"confidence":0.9961299,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.11979356408119202},{"word":"you","start":521.295,"end":521.45496,"confidence":0.9996692,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16256633400917053},{"word":"might","start":521.45496,"end":521.615,"confidence":0.9997863,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.18536166846752167},{"word":"wanna","start":521.615,"end":522.01495,"confidence":0.9204377,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1909857392311096},{"word":"work","start":522.01495,"end":522.175,"confidence":0.99918133,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.1543874442577362},{"word":"things","start":522.175,"end":522.495,"confidence":0.99965,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.21122296154499057},{"word":"if","start":522.495,"end":522.65497,"confidence":0.7478116,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16551312804222107},{"word":"you","start":522.65497,"end":522.815,"confidence":0.82374257,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17138071358203888},{"word":"feel","start":522.815,"end":522.975,"confidence":0.9857238,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.183439701795578},{"word":"like","start":522.975,"end":523.13495,"confidence":0.9876237,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.23491866886615753},{"word":"it","start":523.13495,"end":523.21497,"confidence":0.9898824,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21939152479171753},{"word":"might","start":523.21497,"end":523.375,"confidence":0.99964964,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.2171696424484253},{"word":"be","start":523.375,"end":523.45496,"confidence":0.9955332,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2620508670806885},{"word":"in","start":523.45496,"end":523.615,"confidence":0.9984895,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1938885897397995},{"word":"your","start":523.615,"end":523.695,"confidence":0.99756205,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19060391187667847},{"word":"favor","start":523.695,"end":524.095,"confidence":0.9449347,"punctuated_word":"favor.","sentiment":"neutral","sentiment_score":0.1873512864112854},{"word":"obviously","start":524.095,"end":524.595,"confidence":0.99672234,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":-0.2069468200206757},{"word":"in","start":524.735,"end":524.89496,"confidence":0.9994386,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.34040337800979614},{"word":"regards","start":524.89496,"end":525.295,"confidence":0.99845743,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":-0.22842144966125488},{"word":"to","start":525.295,"end":525.45496,"confidence":0.9685829,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3211550712585449},{"word":"if","start":525.45496,"end":525.615,"confidence":0.8381137,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.3928024172782898},{"word":"your","start":525.615,"end":525.77496,"confidence":0.9936924,"punctuated_word":"your","sentiment":"negative","sentiment_score":-0.3787753582000733},{"word":"main","start":525.77496,"end":526.01495,"confidence":0.9999676,"punctuated_word":"main","sentiment":"negative","sentiment_score":-0.3462817370891571},{"word":"concern","start":526.01495,"end":526.415,"confidence":0.99986756,"punctuated_word":"concern","sentiment":"negative","sentiment_score":-0.3478744924068451},{"word":"is","start":526.415,"end":526.915,"confidence":0.85782623,"punctuated_word":"is,","sentiment":"negative","sentiment_score":-0.41941338777542114},{"word":"you","start":527.13495,"end":527.295,"confidence":0.9830824,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.43179193139076233},{"word":"know","start":527.295,"end":527.795,"confidence":0.9993216,"punctuated_word":"know,","sentiment":"negative","sentiment_score":-0.45681869983673096},{"word":"offsetting","start":528.14,"end":528.46,"confidence":0.9996383,"punctuated_word":"offsetting","sentiment":"negative","sentiment_score":-0.5140371918678284},{"word":"that","start":528.46,"end":528.78,"confidence":0.9998228,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.4533328115940094},{"word":"and","start":528.78,"end":528.86,"confidence":0.99742573,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4785766899585724},{"word":"having","start":528.86,"end":529.18,"confidence":0.9997831,"punctuated_word":"having","sentiment":"negative","sentiment_score":-0.5262036323547363},{"word":"something","start":529.18,"end":529.5,"confidence":0.9967866,"punctuated_word":"something","sentiment":"negative","sentiment_score":-0.580491304397583},{"word":"negatively","start":529.5,"end":530.0,"confidence":0.9953497,"punctuated_word":"negatively","sentiment":"negative","sentiment_score":-0.5486356019973755},{"word":"geared","start":530.14,"end":530.64,"confidence":0.8906496,"punctuated_word":"geared,","sentiment":"negative","sentiment_score":-0.5547696352005005},{"word":"the","start":531.18,"end":531.42,"confidence":0.7621768,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5333480834960938},{"word":"only","start":531.42,"end":531.66003,"confidence":0.9995141,"punctuated_word":"only","sentiment":"negative","sentiment_score":-0.5885628461837769},{"word":"sort","start":531.66003,"end":531.82,"confidence":0.9840056,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.6109670996665955},{"word":"of","start":531.82,"end":531.9,"confidence":0.9707549,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5058839917182922},{"word":"way","start":531.9,"end":532.06,"confidence":0.9992138,"punctuated_word":"way","sentiment":"negative","sentiment_score":-0.5600438714027405},{"word":"to","start":532.06,"end":532.22003,"confidence":0.9997212,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5185297131538391},{"word":"do","start":532.22003,"end":532.3,"confidence":0.99968207,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.5243516564369202},{"word":"that","start":532.3,"end":532.46,"confidence":0.999481,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.5068362951278687},{"word":"potentially","start":532.46,"end":532.94,"confidence":0.88868153,"punctuated_word":"potentially","sentiment":"negative","sentiment_score":-0.6234904527664185},{"word":"is","start":532.94,"end":533.10004,"confidence":0.9976927,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.6491169929504395},{"word":"just","start":533.10004,"end":533.34,"confidence":0.9991178,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.5882635116577148},{"word":"to","start":533.34,"end":533.5,"confidence":0.9978149,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.555099606513977},{"word":"have","start":533.5,"end":534.0,"confidence":0.9999155,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.5267400741577148},{"word":"another","start":534.46,"end":534.86,"confidence":0.78208494,"punctuated_word":"another","sentiment":"negative","sentiment_score":-0.5997681021690369},{"word":"investment","start":534.86,"end":535.34,"confidence":0.99418926,"punctuated_word":"investment","sentiment":"negative","sentiment_score":-0.4838527143001557},{"word":"of","start":535.34,"end":535.58,"confidence":0.48536748,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5182459354400635},{"word":"sort","start":535.58,"end":535.74,"confidence":0.9622642,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.5293701887130737},{"word":"of","start":535.74,"end":535.9,"confidence":0.99910116,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5010263919830322},{"word":"a","start":535.9,"end":536.06,"confidence":0.9929189,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4657507836818695},{"word":"high","start":536.06,"end":536.3,"confidence":0.92770076,"punctuated_word":"high","sentiment":"negative","sentiment_score":-0.5223021507263184},{"word":"capital","start":536.3,"end":536.8,"confidence":0.99950135,"punctuated_word":"capital","sentiment":"negative","sentiment_score":-0.4537079334259033},{"word":"investment","start":537.02,"end":537.52,"confidence":0.9997086,"punctuated_word":"investment","sentiment":"negative","sentiment_score":-0.3853188455104828},{"word":"property","start":537.58,"end":538.08,"confidence":0.99063754,"punctuated_word":"property.","sentiment":"neutral","sentiment_score":-0.33329635858535767},{"word":"and","start":539.74,"end":539.9,"confidence":0.95160246,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2309930920600891},{"word":"if","start":539.9,"end":540.06,"confidence":0.9989641,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.22993184626102448},{"word":"you","start":540.06,"end":540.22003,"confidence":0.9994173,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.33022230863571167},{"word":"did","start":540.22003,"end":540.38,"confidence":0.94230795,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.27082332968711853},{"word":"wanna","start":540.38,"end":540.7,"confidence":0.59677726,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2806923985481262},{"word":"just","start":540.7,"end":540.86,"confidence":0.95701796,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21781954169273376},{"word":"sort","start":540.86,"end":541.10004,"confidence":0.99005693,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.16967515647411346},{"word":"of","start":541.10004,"end":541.18,"confidence":0.93777716,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23941218852996823},{"word":"sell","start":541.18,"end":541.42,"confidence":0.9993507,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.15477705001831055},{"word":"it","start":541.42,"end":541.9,"confidence":0.9873496,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.19899535179138184},{"word":"not","start":541.9,"end":542.14,"confidence":0.8881351,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1934104561805725},{"word":"worry","start":542.14,"end":542.38,"confidence":0.9930276,"punctuated_word":"worry","sentiment":"neutral","sentiment_score":0.049888864159584045},{"word":"about","start":542.38,"end":542.62,"confidence":0.99977034,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09242945909500122},{"word":"it","start":542.62,"end":543.075,"confidence":0.8699214,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.18675163388252256},{"word":"and","start":543.155,"end":543.315,"confidence":0.99983525,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1253233402967453},{"word":"not","start":543.315,"end":543.47504,"confidence":0.99989676,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1273673176765442},{"word":"be","start":543.47504,"end":543.715,"confidence":0.9942391,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14495877921581268},{"word":"invested","start":543.715,"end":544.195,"confidence":0.9974341,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.07032236456871033},{"word":"in","start":544.195,"end":544.435,"confidence":0.99981755,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22679217159748075},{"word":"in","start":544.435,"end":544.59503,"confidence":0.9448579,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1439402997493744},{"word":"property","start":544.59503,"end":544.91504,"confidence":0.99624324,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.1317773163318634},{"word":"for","start":544.91504,"end":545.075,"confidence":0.9998969,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1407608687877655},{"word":"a","start":545.075,"end":545.235,"confidence":0.99772173,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16215389966964722},{"word":"while","start":545.235,"end":545.47504,"confidence":0.9932388,"punctuated_word":"while,","sentiment":"neutral","sentiment_score":0.2156713306903839},{"word":"you","start":545.47504,"end":545.635,"confidence":0.9997317,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3508361279964447},{"word":"can","start":545.635,"end":545.795,"confidence":0.99996054,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3254368305206299},{"word":"have","start":545.795,"end":545.955,"confidence":0.9999087,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4126376211643219},{"word":"a","start":545.955,"end":546.03503,"confidence":0.999571,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3724164962768554},{"word":"discussion","start":546.03503,"end":546.435,"confidence":0.9997527,"punctuated_word":"discussion","sentiment":"positive","sentiment_score":0.3893154561519623},{"word":"with","start":546.435,"end":546.59503,"confidence":0.99960595,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.45269617438316345},{"word":"us","start":546.59503,"end":546.835,"confidence":0.9805854,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.3592466115951538},{"word":"about","start":546.835,"end":547.075,"confidence":0.40494946,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.28875666856765747},{"word":"potential","start":547.075,"end":547.575,"confidence":0.8609599,"punctuated_word":"potential,","sentiment":"neutral","sentiment_score":0.2997490167617798},{"word":"like","start":547.955,"end":548.275,"confidence":0.995567,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.3002859354019165},{"word":"just","start":548.275,"end":548.675,"confidence":0.5199831,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.37652355432510376},{"word":"investment","start":548.675,"end":549.175,"confidence":0.9972128,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.24979571998119351},{"word":"idps","start":549.47504,"end":549.97504,"confidence":0.80168015,"punctuated_word":"IDPS","sentiment":"neutral","sentiment_score":0.25618305802345276},{"word":"accounts","start":550.03503,"end":550.435,"confidence":0.9877143,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.27195465564727783},{"word":"or","start":550.435,"end":550.675,"confidence":0.92306525,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.2771269977092743},{"word":"you","start":550.675,"end":550.755,"confidence":0.9998325,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3268246352672577},{"word":"know","start":550.755,"end":550.995,"confidence":0.99993235,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.3448013663291931},{"word":"setting","start":550.995,"end":551.315,"confidence":0.9994721,"punctuated_word":"setting","sentiment":"positive","sentiment_score":0.4350072741508484},{"word":"up","start":551.315,"end":551.795,"confidence":0.99971825,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3691808581352234},{"word":"a","start":551.795,"end":551.955,"confidence":0.9993086,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.467809796333313},{"word":"few","start":551.955,"end":552.195,"confidence":0.9999677,"punctuated_word":"few","sentiment":"positive","sentiment_score":0.42902714014053345},{"word":"things","start":552.195,"end":552.695,"confidence":0.99989176,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.534578263759613},{"word":"for","start":552.91504,"end":553.075,"confidence":0.92685205,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.46374720335006714},{"word":"the","start":553.075,"end":553.235,"confidence":0.9864368,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4498378336429596},{"word":"children","start":553.235,"end":553.715,"confidence":0.9998838,"punctuated_word":"children","sentiment":"positive","sentiment_score":0.4396713972091675},{"word":"for","start":553.715,"end":553.875,"confidence":0.79126346,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4978836178779602},{"word":"their","start":553.875,"end":554.115,"confidence":0.9995665,"punctuated_word":"their","sentiment":"positive","sentiment_score":0.40725889801979065},{"word":"future","start":554.115,"end":554.59503,"confidence":0.9630684,"punctuated_word":"future,","sentiment":"positive","sentiment_score":0.3338073194026947},{"word":"like","start":554.59503,"end":554.835,"confidence":0.9897267,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.38457441329956055},{"word":"some","start":554.835,"end":554.995,"confidence":0.87082016,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.34011852741241455},{"word":"investment","start":554.995,"end":555.47504,"confidence":0.99346405,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1847727596759796},{"word":"bonds","start":555.47504,"end":555.715,"confidence":0.6651525,"punctuated_word":"bonds,","sentiment":"neutral","sentiment_score":0.308921217918396},{"word":"things","start":555.715,"end":555.955,"confidence":0.99832517,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.3717303574085235},{"word":"like","start":555.955,"end":556.115,"confidence":0.9994029,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.24309174716472623},{"word":"that","start":556.115,"end":556.275,"confidence":0.7518691,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.3032105565071106},{"word":"or","start":556.275,"end":556.435,"confidence":0.99964106,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.3154943585395813},{"word":"something","start":556.435,"end":556.835,"confidence":0.9997073,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.25259101390838623},{"word":"for","start":556.835,"end":557.075,"confidence":0.97673655,"punctuated_word":"for,","sentiment":"neutral","sentiment_score":0.302248477935791},{"word":"like","start":557.075,"end":557.46,"confidence":0.99843436,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.32436150312423706},{"word":"an","start":557.54004,"end":557.86005,"confidence":0.9969279,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.4130539298057556},{"word":"earlier","start":557.86005,"end":558.26,"confidence":0.6455249,"punctuated_word":"earlier","sentiment":"positive","sentiment_score":0.41425496339797974},{"word":"sort","start":558.26,"end":558.42004,"confidence":0.9868903,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.27990657091140747},{"word":"of","start":558.42004,"end":558.66003,"confidence":0.96592337,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.42388030886650085},{"word":"retirement","start":558.66003,"end":559.14,"confidence":0.9988527,"punctuated_word":"retirement","sentiment":"positive","sentiment_score":0.37193307280540466},{"word":"and","start":559.14,"end":559.38,"confidence":0.87731814,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.35474589467048645},{"word":"having","start":559.38,"end":559.62,"confidence":0.9997304,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.4570668935775757},{"word":"that","start":559.62,"end":559.78,"confidence":0.99926704,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39146190881729126},{"word":"invested","start":559.78,"end":560.18,"confidence":0.7830609,"punctuated_word":"invested","sentiment":"neutral","sentiment_score":0.245561420917511},{"word":"in","start":560.18,"end":560.34,"confidence":0.9483695,"punctuated_word":"in,","sentiment":"positive","sentiment_score":0.3615401983261109},{"word":"like","start":560.34,"end":560.5,"confidence":0.9977309,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.3740602135658264},{"word":"a","start":560.5,"end":560.66003,"confidence":0.99849045,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4267847537994385},{"word":"tax","start":560.66003,"end":560.9,"confidence":0.9996276,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.5938816070556641},{"word":"effective","start":560.9,"end":561.38,"confidence":0.99610484,"punctuated_word":"effective","sentiment":"positive","sentiment_score":0.38421863317489624},{"word":"manner","start":561.38,"end":561.88,"confidence":0.98283917,"punctuated_word":"manner","sentiment":"positive","sentiment_score":0.375739187002182},{"word":"to","start":562.18,"end":562.34,"confidence":0.80253226,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3684286177158356},{"word":"be","start":562.34,"end":562.5,"confidence":0.9932446,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.380382239818573},{"word":"drawn","start":562.5,"end":562.82,"confidence":0.5406419,"punctuated_word":"drawn","sentiment":"positive","sentiment_score":0.4697116017341614},{"word":"down","start":562.82,"end":563.06,"confidence":0.98348904,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.4429033398628235},{"word":"on","start":563.06,"end":563.14,"confidence":0.9778585,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.33822348713874817},{"word":"in","start":563.14,"end":563.30005,"confidence":0.9619117,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.2460244446992874},{"word":"like","start":563.30005,"end":563.38,"confidence":0.99935895,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.19453364610671997},{"word":"10","start":563.38,"end":564.18,"confidence":0.99929976,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.2948268949985504},{"word":"when","start":564.18,"end":564.34,"confidence":0.9408291,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.17634999752044678},{"word":"you're","start":564.34,"end":564.5,"confidence":0.9744245,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.19946549832820892},{"word":"sitting","start":564.5,"end":564.66003,"confidence":0.98423207,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.19897063076496124},{"word":"hitting","start":564.74005,"end":564.98004,"confidence":0.93842447,"punctuated_word":"hitting","sentiment":"neutral","sentiment_score":0.18301941454410553},{"word":"around","start":564.98004,"end":565.30005,"confidence":0.99869835,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.17922575771808624},{"word":"that","start":565.30005,"end":565.46,"confidence":0.9926938,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1655632257461548},{"word":"55","start":565.46,"end":565.94,"confidence":0.999462,"punctuated_word":"55","sentiment":"neutral","sentiment_score":0.2785487771034241},{"word":"mark","start":565.94,"end":566.18,"confidence":0.9829836,"punctuated_word":"mark","sentiment":"neutral","sentiment_score":0.1767730563879013},{"word":"and","start":566.18,"end":566.34,"confidence":0.73784053,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08721229434013367},{"word":"maybe","start":566.34,"end":566.58,"confidence":0.9919361,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.15614867210388184},{"word":"you","start":566.58,"end":566.66003,"confidence":0.52999336,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12516148388385773},{"word":"wanna","start":566.66003,"end":566.9,"confidence":0.9741442,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1020074188709259},{"word":"do","start":566.9,"end":567.4,"confidence":0.994935,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.0782393366098404},{"word":"you","start":567.62,"end":567.78,"confidence":0.99923563,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05635984241962433},{"word":"know","start":567.78,"end":567.94,"confidence":0.8595823,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0937054604291916},{"word":"a","start":567.94,"end":568.10004,"confidence":0.9952024,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13466940820217133},{"word":"trip","start":568.10004,"end":568.34,"confidence":0.99980146,"punctuated_word":"trip","sentiment":"neutral","sentiment_score":0.08784099668264389},{"word":"to","start":568.34,"end":568.58,"confidence":0.99952304,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12997420132160187},{"word":"to","start":568.58,"end":568.74005,"confidence":0.8146899,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15685735642910004},{"word":"italy","start":568.74005,"end":569.14,"confidence":0.9975751,"punctuated_word":"Italy","sentiment":"neutral","sentiment_score":0.06658647209405899},{"word":"before","start":569.14,"end":569.46,"confidence":0.9981653,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.05528637021780014},{"word":"you","start":569.46,"end":569.62,"confidence":0.9836572,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.049033768475055695},{"word":"you're","start":569.7,"end":569.86005,"confidence":0.99716735,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.006825124379247427},{"word":"too","start":569.86005,"end":570.10004,"confidence":0.99754506,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.06294023990631104},{"word":"old","start":570.10004,"end":570.26,"confidence":0.99959403,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.0767403393983841},{"word":"and","start":570.26,"end":570.42004,"confidence":0.98458046,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.05176946520805359},{"word":"don't","start":570.42004,"end":570.66003,"confidence":0.99198604,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05854940414428711},{"word":"wanna","start":570.66003,"end":571.06,"confidence":0.9891262,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.04925038665533066},{"word":"sort","start":571.06,"end":571.22003,"confidence":0.9868721,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.016990184783935547},{"word":"of","start":571.22003,"end":571.30005,"confidence":0.9719668,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.011856123805046082},{"word":"walk","start":571.30005,"end":571.54004,"confidence":0.99839956,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.04339173436164856},{"word":"the","start":571.54004,"end":571.78,"confidence":0.9954216,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09765684604644775},{"word":"the","start":571.78,"end":571.94,"confidence":0.96287614,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1008654534816742},{"word":"steps","start":571.94,"end":572.26,"confidence":0.999426,"punctuated_word":"steps","sentiment":"neutral","sentiment_score":0.11068646609783173},{"word":"you","start":572.26,"end":572.34,"confidence":0.99928904,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09126020967960358},{"word":"do","start":572.34,"end":572.5,"confidence":0.9991104,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09976518154144288},{"word":"over","start":572.5,"end":572.74005,"confidence":0.9997012,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.15104785561561584},{"word":"there","start":572.74005,"end":573.075,"confidence":0.94309497,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.07644116878509521},{"word":"but","start":577.875,"end":578.115,"confidence":0.8825561,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.22608327865600583},{"word":"i'll","start":578.115,"end":578.275,"confidence":0.9993185,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.19066452980041504},{"word":"pass","start":578.275,"end":578.515,"confidence":0.99216366,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.26233619451522827},{"word":"that","start":578.515,"end":578.755,"confidence":0.96809196,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21296921372413635},{"word":"along","start":578.755,"end":579.075,"confidence":0.8054124,"punctuated_word":"along.","sentiment":"neutral","sentiment_score":0.21704575419425964},{"word":"and","start":579.075,"end":579.155,"confidence":0.9995585,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.20092926919460297},{"word":"then","start":579.155,"end":579.395,"confidence":0.9977464,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.16479238867759705},{"word":"if","start":579.395,"end":579.475,"confidence":0.98995626,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1100754514336586},{"word":"after","start":579.555,"end":579.875,"confidence":0.99885166,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.07880197465419769},{"word":"you","start":579.875,"end":579.955,"confidence":0.99826413,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1512274593114853},{"word":"have","start":579.955,"end":580.115,"confidence":0.9974082,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1575218290090561},{"word":"a","start":580.115,"end":580.195,"confidence":0.9682427,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.171603724360466},{"word":"conversation","start":580.195,"end":580.59503,"confidence":0.88758755,"punctuated_word":"conversation,","sentiment":"neutral","sentiment_score":0.16122961044311523},{"word":"then","start":580.59503,"end":580.835,"confidence":0.840168,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2118144333362579},{"word":"wanna","start":580.835,"end":581.075,"confidence":0.7323738,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.2380336970090866},{"word":"have","start":581.075,"end":581.235,"confidence":0.9982583,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2098771631717682},{"word":"another","start":581.235,"end":581.555,"confidence":0.99972385,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.15617138147354126},{"word":"chat","start":581.555,"end":581.795,"confidence":0.9988777,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.227059543132782},{"word":"and","start":581.795,"end":582.03503,"confidence":0.8004279,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2218396961688995},{"word":"around","start":582.03503,"end":582.275,"confidence":0.9390057,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.22185933589935303},{"word":"the","start":582.275,"end":582.35504,"confidence":0.98895884,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23876164853572843},{"word":"potential","start":582.35504,"end":582.85504,"confidence":0.99867994,"punctuated_word":"potential","sentiment":"neutral","sentiment_score":0.2072056531906128},{"word":"options","start":583.155,"end":583.655,"confidence":0.9991418,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.2588725984096527},{"word":"you've","start":583.715,"end":583.875,"confidence":0.9737247,"punctuated_word":"you've","sentiment":"positive","sentiment_score":0.34251803159713745},{"word":"got","start":583.875,"end":584.03503,"confidence":0.9999006,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.30735981464385986},{"word":"there","start":584.03503,"end":584.275,"confidence":0.9992188,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.19754278659820557},{"word":"once","start":584.275,"end":584.435,"confidence":0.96381253,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.27557435631752014},{"word":"you","start":584.435,"end":584.59503,"confidence":0.99990404,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30657827854156494},{"word":"get","start":584.59503,"end":584.755,"confidence":0.99599093,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.24769344925880432},{"word":"that","start":584.755,"end":584.995,"confidence":0.99981993,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28096482157707214},{"word":"information","start":584.995,"end":585.395,"confidence":0.74109364,"punctuated_word":"information.","sentiment":"neutral","sentiment_score":0.2464473098516464},{"word":"because","start":585.395,"end":585.715,"confidence":0.8391576,"punctuated_word":"Because,","sentiment":"neutral","sentiment_score":0.27014338970184326},{"word":"obviously","start":585.715,"end":586.215,"confidence":0.9994707,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.29334092140197754},{"word":"in","start":586.37,"end":586.52997,"confidence":0.99974996,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2802518606185913},{"word":"regards","start":586.52997,"end":586.76996,"confidence":0.99838305,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.17463484406471252},{"word":"to","start":586.76996,"end":587.00995,"confidence":0.9995024,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.289504736661911},{"word":"the","start":587.00995,"end":587.25,"confidence":0.9644029,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2700827717781067},{"word":"the","start":587.25,"end":587.41,"confidence":0.9455293,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20070821046829224},{"word":"market","start":587.41,"end":587.81,"confidence":0.5141132,"punctuated_word":"market","sentiment":"neutral","sentiment_score":0.22030261158943176},{"word":"and","start":587.81,"end":587.88995,"confidence":0.6537266,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2194000482559204},{"word":"the","start":587.88995,"end":587.97,"confidence":0.9937968,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2558722198009491},{"word":"actual","start":587.97,"end":588.29,"confidence":0.9996977,"punctuated_word":"actual","sentiment":"neutral","sentiment_score":0.26733970642089844},{"word":"property","start":588.29,"end":588.61,"confidence":0.99858534,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.22990307211875916},{"word":"space","start":588.61,"end":588.93,"confidence":0.9650897,"punctuated_word":"space,","sentiment":"neutral","sentiment_score":0.27220478653907776},{"word":"they'd","start":588.93,"end":589.17,"confidence":0.9407256,"punctuated_word":"they'd","sentiment":"positive","sentiment_score":0.4005398750305176},{"word":"be","start":589.17,"end":589.32996,"confidence":0.99234736,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.41316330432891846},{"word":"able","start":589.32996,"end":589.41,"confidence":0.9968364,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.4472781419754028},{"word":"to","start":589.41,"end":589.49,"confidence":0.9944014,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.417867511510849},{"word":"give","start":589.49,"end":589.57,"confidence":0.9994012,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.32235950231552124},{"word":"you","start":589.57,"end":589.73,"confidence":0.99932325,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.42186033725738525},{"word":"a","start":589.73,"end":589.81,"confidence":0.997626,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3645473718643189},{"word":"better","start":589.81,"end":590.05,"confidence":0.99980396,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.1903526782989502},{"word":"indication","start":590.05,"end":590.44995,"confidence":0.9994863,"punctuated_word":"indication","sentiment":"neutral","sentiment_score":0.19334650039672852},{"word":"of","start":590.44995,"end":590.52997,"confidence":0.9992995,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3154218792915344},{"word":"what","start":590.52997,"end":590.69,"confidence":0.9998566,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.35442373156547546},{"word":"you","start":590.69,"end":590.76996,"confidence":0.99960774,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4324096441268921},{"word":"might","start":590.76996,"end":591.00995,"confidence":0.9998536,"punctuated_word":"might","sentiment":"positive","sentiment_score":0.4170893728733063},{"word":"be","start":591.00995,"end":591.17,"confidence":0.99792826,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.39895522594451904},{"word":"able","start":591.17,"end":591.32996,"confidence":0.9806341,"punctuated_word":"able","sentiment":"positive","sentiment_score":0.43636763095855713},{"word":"to","start":591.32996,"end":591.41,"confidence":0.9923523,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.40444082021713257},{"word":"sell","start":591.41,"end":591.57,"confidence":0.99725467,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.2585831582546234},{"word":"for","start":591.57,"end":591.81,"confidence":0.9912656,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3575759530067444},{"word":"with","start":591.81,"end":591.97,"confidence":0.98052555,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3886585235595703},{"word":"everything","start":591.97,"end":592.37,"confidence":0.9998105,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.300706684589386},{"word":"going","start":592.37,"end":592.52997,"confidence":0.99963856,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.32936611771583557},{"word":"on","start":592.52997,"end":592.76996,"confidence":0.99874926,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3015834093093872},{"word":"and","start":592.76996,"end":593.17,"confidence":0.99123114,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30407950282096863},{"word":"everything","start":593.17,"end":593.57,"confidence":0.9993967,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.240981325507164},{"word":"as","start":593.57,"end":593.81,"confidence":0.9937975,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.27460095286369324},{"word":"well","start":593.81,"end":594.31,"confidence":0.9915698,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.19861507415771484},{"word":"and","start":598.29,"end":598.52997,"confidence":0.7735527,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.04014196991920471},{"word":"then","start":598.52997,"end":598.69,"confidence":0.7764784,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":-0.006053891032934189},{"word":"also","start":598.69,"end":599.00995,"confidence":0.9991069,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":0.0010425299406051636},{"word":"they","start":599.00995,"end":599.08997,"confidence":0.9960472,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.02630506455898285},{"word":"could","start":599.08997,"end":599.25,"confidence":0.9154,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.053833529353141785},{"word":"potentially","start":599.25,"end":599.75,"confidence":0.9988457,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.047726601362228394},{"word":"look","start":599.81,"end":599.97,"confidence":0.9988232,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.007670052349567413},{"word":"at","start":599.97,"end":600.20996,"confidence":0.8972022,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":0.012281451374292374},{"word":"like","start":600.20996,"end":600.37,"confidence":0.99807096,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.013365335762500765},{"word":"a","start":600.37,"end":600.61,"confidence":0.99920374,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01824432983994484},{"word":"a","start":600.61,"end":600.69,"confidence":0.64845407,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008186634629964828},{"word":"refinance","start":600.69,"end":601.19,"confidence":0.99794984,"punctuated_word":"refinance","sentiment":"neutral","sentiment_score":-0.04759740456938744},{"word":"and","start":601.32996,"end":601.41,"confidence":0.9979139,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.02428211271762848},{"word":"things","start":601.41,"end":601.665,"confidence":0.99882215,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.0453011617064476},{"word":"like","start":601.745,"end":601.82495,"confidence":0.99283093,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.0350995808839798},{"word":"that","start":601.82495,"end":601.90497,"confidence":0.9249941,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.04390509054064751},{"word":"but","start":601.90497,"end":602.065,"confidence":0.79257095,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.04688422009348869},{"word":"obviously","start":602.065,"end":602.38495,"confidence":0.9981431,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.05290500074625015},{"word":"with","start":602.38495,"end":602.545,"confidence":0.95095164,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08783788979053497},{"word":"the","start":602.545,"end":602.625,"confidence":0.9991881,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11469973623752594},{"word":"current","start":602.625,"end":602.865,"confidence":0.9980204,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.18051493167877197},{"word":"market","start":602.865,"end":603.185,"confidence":0.979705,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.0888572484254837},{"word":"and","start":603.185,"end":603.26495,"confidence":0.9851296,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11472436785697936},{"word":"the","start":603.26495,"end":603.425,"confidence":0.99893016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10819555819034576},{"word":"interest","start":603.425,"end":603.665,"confidence":0.9999304,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.059985317289829254},{"word":"rate","start":603.665,"end":603.985,"confidence":0.93888104,"punctuated_word":"rate,","sentiment":"neutral","sentiment_score":-0.061223965138196945},{"word":"everything","start":603.985,"end":604.305,"confidence":0.9959934,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.07149815559387207},{"word":"going","start":604.305,"end":604.70496,"confidence":0.97363937,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.06751713901758194},{"word":"up","start":604.70496,"end":605.105,"confidence":0.9996704,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.05625195428729057},{"word":"might","start":605.105,"end":605.345,"confidence":0.71131957,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.03840573877096176},{"word":"not","start":605.345,"end":605.505,"confidence":0.99940336,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.42204779386520386},{"word":"be","start":605.505,"end":606.005,"confidence":0.99866223,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.3544045090675354},{"word":"the","start":606.225,"end":606.46497,"confidence":0.9974354,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.40993574261665344},{"word":"the","start":606.46497,"end":606.625,"confidence":0.9463327,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3654925525188446},{"word":"best","start":606.625,"end":606.865,"confidence":0.9991652,"punctuated_word":"best","sentiment":"negative","sentiment_score":-0.3989492952823639},{"word":"time","start":606.865,"end":607.105,"confidence":0.9599238,"punctuated_word":"time,","sentiment":"negative","sentiment_score":-0.34926438331604004},{"word":"but","start":607.105,"end":607.345,"confidence":0.9986083,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.17080087959766388},{"word":"that","start":607.345,"end":607.505,"confidence":0.9325789,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2510952353477478},{"word":"might","start":607.505,"end":607.665,"confidence":0.99876606,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.21380971372127533},{"word":"be","start":607.665,"end":607.90497,"confidence":0.995998,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.23394416272640228},{"word":"a","start":607.90497,"end":608.40497,"confidence":0.32378626,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3011581599712372},{"word":"yeah","start":608.70496,"end":609.20496,"confidence":0.97999847,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.1917080283164978},{"word":"yeah","start":625.2,"end":625.7,"confidence":0.858759,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08531065285205841},{"word":"well","start":625.76,"end":625.92,"confidence":0.83601296,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.07791893184185028},{"word":"it","start":625.92,"end":626.0,"confidence":0.9828774,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13195350766181946},{"word":"just","start":626.0,"end":626.5,"confidence":0.5996088,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08970209211111069},{"word":"it's","start":626.985,"end":627.225,"confidence":0.97733843,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.12981310486793518},{"word":"just","start":627.225,"end":627.625,"confidence":0.97069865,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0980663150548935},{"word":"one","start":627.625,"end":627.865,"confidence":0.83691996,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.026571884751319885},{"word":"of","start":627.865,"end":627.945,"confidence":0.99906963,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0012137442827224731},{"word":"those","start":627.945,"end":628.185,"confidence":0.99945635,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.03173243999481201},{"word":"things","start":628.185,"end":628.585,"confidence":0.9996138,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.12114594876766203},{"word":"like","start":628.585,"end":628.90497,"confidence":0.4692849,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.08344723284244537},{"word":"you've","start":628.90497,"end":629.385,"confidence":0.87627274,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.08321800827980042},{"word":"you've","start":629.385,"end":629.625,"confidence":0.95279324,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.038662057369947433},{"word":"paid","start":629.625,"end":629.865,"confidence":0.99800247,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.04577547311782837},{"word":"it","start":629.865,"end":630.025,"confidence":0.97426003,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08785276114940643},{"word":"off","start":630.025,"end":630.345,"confidence":0.94921947,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.028703786432743073},{"word":"it's","start":630.345,"end":630.505,"confidence":0.94399095,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.18205735087394712},{"word":"you're","start":630.665,"end":630.825,"confidence":0.9898337,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3977745175361634},{"word":"still","start":630.825,"end":630.985,"confidence":0.99977964,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.435716837644577},{"word":"getting","start":630.985,"end":631.225,"confidence":0.9995276,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.32455629110336304},{"word":"capital","start":631.225,"end":631.625,"confidence":0.99971217,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.15003105998039246},{"word":"growth","start":631.625,"end":631.865,"confidence":0.9984906,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.49944618344306946},{"word":"out","start":631.865,"end":632.105,"confidence":0.99967456,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5374967455863953},{"word":"of","start":632.105,"end":632.185,"confidence":0.9998853,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.39731383323669434},{"word":"it","start":632.185,"end":632.505,"confidence":0.9933523,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.085836261510849},{"word":"obviously","start":632.505,"end":632.825,"confidence":0.9955329,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.007278276141732931},{"word":"if","start":632.825,"end":632.985,"confidence":0.99926203,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.006585203111171722},{"word":"it","start":632.985,"end":633.145,"confidence":0.9992493,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.058137498795986176},{"word":"takes","start":633.145,"end":633.305,"confidence":0.9997454,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":-0.060907021164894104},{"word":"a","start":633.305,"end":633.385,"confidence":0.99953485,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09248103201389311},{"word":"little","start":633.385,"end":633.545,"confidence":0.99989784,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.15241965651512146},{"word":"bit","start":633.545,"end":633.625,"confidence":0.99960977,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.15178361535072327},{"word":"of","start":633.625,"end":633.70496,"confidence":0.9996848,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18520960211753845},{"word":"a","start":633.70496,"end":633.785,"confidence":0.99699473,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.22961291670799255},{"word":"dip","start":633.785,"end":634.025,"confidence":0.99327093,"punctuated_word":"dip","sentiment":"neutral","sentiment_score":-0.19774843752384183},{"word":"with","start":634.025,"end":634.185,"confidence":0.9642415,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.280986487865448},{"word":"what's","start":634.185,"end":634.345,"confidence":0.99893576,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.2900930643081665},{"word":"currently","start":634.345,"end":634.665,"confidence":0.99967074,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.31319254636764526},{"word":"happening","start":634.665,"end":634.985,"confidence":0.9660498,"punctuated_word":"happening,","sentiment":"neutral","sentiment_score":-0.2056843489408493},{"word":"it","start":634.985,"end":635.065,"confidence":0.96210426,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.023261450231075287},{"word":"doesn't","start":635.065,"end":635.305,"confidence":0.9999188,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.06237068027257919},{"word":"matter","start":635.305,"end":635.545,"confidence":0.99983513,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":-0.021190568804740902},{"word":"if","start":635.545,"end":635.625,"confidence":0.9945351,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.011812347918748856},{"word":"you're","start":635.625,"end":635.945,"confidence":0.98682415,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0011973183136433363},{"word":"still","start":635.945,"end":636.105,"confidence":0.9987399,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.04129992425441742},{"word":"planning","start":636.105,"end":636.425,"confidence":0.66410965,"punctuated_word":"planning","sentiment":"neutral","sentiment_score":0.019521348178386688},{"word":"on","start":636.425,"end":636.505,"confidence":0.9988796,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08746007084846497},{"word":"holding","start":636.505,"end":636.825,"confidence":0.9335757,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":0.19457343220710752},{"word":"it","start":636.825,"end":636.90497,"confidence":0.9241199,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3249051868915558},{"word":"long","start":636.90497,"end":637.145,"confidence":0.99895775,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.25416234135627747},{"word":"term","start":637.145,"end":637.645,"confidence":0.9980585,"punctuated_word":"term","sentiment":"positive","sentiment_score":0.4026004672050476},{"word":"and","start":637.705,"end":637.945,"confidence":0.61569756,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24712687730789185},{"word":"you","start":637.945,"end":638.105,"confidence":0.99986386,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3522997796535492},{"word":"are","start":638.105,"end":638.345,"confidence":0.9996803,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.2913854420185089},{"word":"still","start":638.345,"end":638.585,"confidence":0.99981564,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.2511226534843445},{"word":"getting","start":638.585,"end":639.085,"confidence":0.99974054,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.358506977558136},{"word":"an","start":639.48,"end":639.64,"confidence":0.97672176,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.29288557171821594},{"word":"income","start":639.64,"end":639.95996,"confidence":0.99233925,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.1868741065263748},{"word":"out","start":639.95996,"end":640.2,"confidence":0.9996295,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.3858112394809723},{"word":"of","start":640.2,"end":640.27997,"confidence":0.9998286,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1980447620153427},{"word":"that","start":640.27997,"end":640.52,"confidence":0.9152496,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.13596007227897644},{"word":"another","start":640.52,"end":640.76,"confidence":0.9871745,"punctuated_word":"Another","sentiment":"neutral","sentiment_score":0.1814960241317749},{"word":"option","start":640.76,"end":641.08,"confidence":0.80625963,"punctuated_word":"option,","sentiment":"neutral","sentiment_score":0.2623652219772339},{"word":"obviously","start":641.08,"end":641.32,"confidence":0.9895296,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.3027876317501068},{"word":"with","start":641.32,"end":641.56,"confidence":0.98461574,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3905787169933319},{"word":"your","start":641.56,"end":641.8,"confidence":0.932084,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3698163330554962},{"word":"your","start":641.8,"end":641.95996,"confidence":0.85939765,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.37959814071655273},{"word":"self","start":641.95996,"end":642.36,"confidence":0.9976706,"punctuated_word":"self","sentiment":"positive","sentiment_score":0.3450542390346527},{"word":"employed","start":642.36,"end":642.76,"confidence":0.99757856,"punctuated_word":"employed","sentiment":"neutral","sentiment_score":0.3106553852558136},{"word":"business","start":642.76,"end":643.08,"confidence":0.9995814,"punctuated_word":"business","sentiment":"neutral","sentiment_score":0.2874321937561035},{"word":"and","start":643.08,"end":643.24,"confidence":0.9965592,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29510027170181274},{"word":"things","start":643.24,"end":643.48,"confidence":0.9997981,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.35142382979393005},{"word":"like","start":643.48,"end":643.64,"confidence":0.9990534,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2311748713254929},{"word":"that","start":643.64,"end":643.8,"confidence":0.9992436,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3841218054294586},{"word":"is","start":643.8,"end":644.04,"confidence":0.9493337,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.34458863735198975},{"word":"just","start":644.04,"end":644.27997,"confidence":0.9986695,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3413483202457428},{"word":"upping","start":644.27997,"end":644.77997,"confidence":0.93809223,"punctuated_word":"upping,","sentiment":"positive","sentiment_score":0.3337726593017578},{"word":"you","start":644.83997,"end":645.0,"confidence":0.9974765,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24417644739151},{"word":"know","start":645.0,"end":645.32,"confidence":0.99975395,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.2768540680408478},{"word":"your","start":645.32,"end":645.64,"confidence":0.9978726,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4291672110557556},{"word":"expansion","start":645.64,"end":646.14,"confidence":0.9559348,"punctuated_word":"expansion","sentiment":"positive","sentiment_score":0.3716591000556946},{"word":"expenditure","start":646.2,"end":646.7,"confidence":0.9734158,"punctuated_word":"expenditure","sentiment":"neutral","sentiment_score":0.32403498888015747},{"word":"to","start":646.76,"end":647.0,"confidence":0.99730897,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14125436544418335},{"word":"where","start":647.0,"end":647.24,"confidence":0.9993248,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.1092463880777359},{"word":"you're","start":647.24,"end":647.39996,"confidence":0.99955356,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3123787045478821},{"word":"not","start":647.39996,"end":647.64,"confidence":0.99965644,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.3173264265060425},{"word":"earning","start":647.64,"end":648.04,"confidence":0.9998254,"punctuated_word":"earning","sentiment":"neutral","sentiment_score":0.19844718277454376},{"word":"as","start":648.04,"end":648.2,"confidence":0.9996203,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23953482508659363},{"word":"much","start":648.2,"end":648.44,"confidence":0.9998004,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.3452562689781189},{"word":"as","start":648.44,"end":648.52,"confidence":0.9975969,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2700257897377014},{"word":"a","start":648.52,"end":648.76,"confidence":0.9837245,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2829180359840393},{"word":"self","start":648.76,"end":649.0,"confidence":0.99987197,"punctuated_word":"self","sentiment":"neutral","sentiment_score":0.2042020708322525},{"word":"employed","start":649.0,"end":649.48,"confidence":0.9992331,"punctuated_word":"employed","sentiment":"neutral","sentiment_score":0.33011072874069214},{"word":"person","start":649.48,"end":649.98,"confidence":0.7508812,"punctuated_word":"person,","sentiment":"neutral","sentiment_score":0.3213133215904236},{"word":"and","start":650.6,"end":650.76,"confidence":0.605955,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4178999364376068},{"word":"you're","start":650.76,"end":651.0,"confidence":0.9991691,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.5541958808898926},{"word":"getting","start":651.0,"end":651.24,"confidence":0.999881,"punctuated_word":"getting","sentiment":"positive","sentiment_score":0.614865779876709},{"word":"a","start":651.24,"end":651.32,"confidence":0.99975616,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5636005997657776},{"word":"bit","start":651.32,"end":651.48,"confidence":0.99966073,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.5093718767166138},{"word":"of","start":651.48,"end":651.64,"confidence":0.9792588,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5533549189567566},{"word":"more","start":651.64,"end":651.8,"confidence":0.9995436,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.4682916402816773},{"word":"growth","start":651.8,"end":652.12,"confidence":0.99924004,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.628854513168335},{"word":"out","start":652.12,"end":652.27997,"confidence":0.99972934,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.6656259894371033},{"word":"of","start":652.27997,"end":652.44,"confidence":0.99974936,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6355985999107361},{"word":"your","start":652.44,"end":652.83997,"confidence":0.9978677,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5820099115371704},{"word":"your","start":652.83997,"end":653.08,"confidence":0.9363146,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.538358211517334},{"word":"business","start":653.08,"end":653.58,"confidence":0.9999188,"punctuated_word":"business","sentiment":"positive","sentiment_score":0.5411320924758911},{"word":"because","start":653.815,"end":653.975,"confidence":0.995619,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.49020272493362427},{"word":"you","start":653.975,"end":654.135,"confidence":0.9998659,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6254624128341675},{"word":"don't","start":654.135,"end":654.375,"confidence":0.9999591,"punctuated_word":"don't","sentiment":"positive","sentiment_score":0.35269448161125183},{"word":"have","start":654.375,"end":654.61505,"confidence":0.9985372,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.22252917289733887},{"word":"any","start":654.61505,"end":654.93506,"confidence":0.99562705,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.11829935014247894},{"word":"debt","start":654.93506,"end":655.255,"confidence":0.99843794,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.021279290318489075},{"word":"currently","start":655.255,"end":655.575,"confidence":0.9989311,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.007915809750556946},{"word":"in","start":655.575,"end":655.73505,"confidence":0.9996413,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0468439906835556},{"word":"that","start":655.73505,"end":656.23505,"confidence":0.95939255,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.16501399874687195},{"word":"so","start":656.375,"end":656.53503,"confidence":0.8944445,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24257107079029083},{"word":"that","start":656.53503,"end":656.775,"confidence":0.9985862,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.37251824140548706},{"word":"potentially","start":656.775,"end":657.255,"confidence":0.95526433,"punctuated_word":"potentially","sentiment":"positive","sentiment_score":0.366044282913208},{"word":"could","start":657.255,"end":657.335,"confidence":0.99626654,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.3473951816558838},{"word":"be","start":657.335,"end":657.41504,"confidence":0.9996917,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.44162890315055847},{"word":"something","start":657.41504,"end":657.655,"confidence":0.98898214,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.44041839241981506},{"word":"you","start":657.655,"end":657.73505,"confidence":0.9939202,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3839525878429413},{"word":"could","start":657.73505,"end":657.895,"confidence":0.9939324,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.3845990002155304},{"word":"have","start":657.895,"end":658.395,"confidence":0.99619067,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.34498846530914307},{"word":"a","start":658.455,"end":658.61505,"confidence":0.91137934,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32485055923461914},{"word":"discussion","start":658.61505,"end":658.93506,"confidence":0.948453,"punctuated_word":"discussion","sentiment":"neutral","sentiment_score":0.32568126916885376},{"word":"with","start":658.93506,"end":659.09503,"confidence":0.99884844,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3932451605796814},{"word":"your","start":659.09503,"end":659.255,"confidence":0.99355763,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3261840045452118},{"word":"accountant","start":659.255,"end":659.655,"confidence":0.9809405,"punctuated_word":"accountant","sentiment":"neutral","sentiment_score":0.3268205523490906},{"word":"on","start":659.655,"end":659.815,"confidence":0.99614346,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.33308255672454834},{"word":"how","start":659.815,"end":659.97504,"confidence":0.99977785,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.34282541275024414},{"word":"much","start":659.97504,"end":660.135,"confidence":0.99967647,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.40318062901496887},{"word":"you","start":660.135,"end":660.29504,"confidence":0.9992803,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.408783495426178},{"word":"wanna","start":660.29504,"end":660.53503,"confidence":0.5337429,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.3961678147315979},{"word":"potentially","start":660.53503,"end":660.93506,"confidence":0.99918276,"punctuated_word":"potentially","sentiment":"positive","sentiment_score":0.38006532192230225},{"word":"grow","start":660.93506,"end":661.17505,"confidence":0.99891317,"punctuated_word":"grow","sentiment":"positive","sentiment_score":0.34582480788230896},{"word":"that","start":661.17505,"end":661.67505,"confidence":0.8968656,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.3471192717552185},{"word":"and","start":662.375,"end":662.61505,"confidence":0.9873639,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.32372185587882996},{"word":"if","start":662.61505,"end":662.93506,"confidence":0.9349365,"punctuated_word":"if,","sentiment":"positive","sentiment_score":0.3682865500450134},{"word":"you","start":662.93506,"end":663.015,"confidence":0.9933443,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3500836491584778},{"word":"know","start":663.015,"end":663.49506,"confidence":0.99961424,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.412871390581131},{"word":"upping","start":663.49506,"end":663.815,"confidence":0.99657,"punctuated_word":"upping","sentiment":"positive","sentiment_score":0.411868155002594},{"word":"the","start":663.815,"end":664.05505,"confidence":0.99883217,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5627380609512329},{"word":"expenditure","start":664.05505,"end":664.55505,"confidence":0.9999201,"punctuated_word":"expenditure","sentiment":"positive","sentiment_score":0.4926190674304962},{"word":"a","start":664.85504,"end":664.93506,"confidence":0.99166274,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3712880611419678},{"word":"little","start":664.93506,"end":665.17505,"confidence":0.9999684,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.31124347448349},{"word":"bit","start":665.17505,"end":665.67,"confidence":0.99960405,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3378080129623413},{"word":"offsets","start":665.75,"end":666.14996,"confidence":0.992151,"punctuated_word":"offsets","sentiment":"positive","sentiment_score":0.3496120572090149},{"word":"that","start":666.14996,"end":666.38995,"confidence":0.9934356,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.47021618485450745},{"word":"income","start":666.38995,"end":666.70996,"confidence":0.99737656,"punctuated_word":"income","sentiment":"positive","sentiment_score":0.3985624015331268},{"word":"that","start":666.70996,"end":666.87,"confidence":0.99895346,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5569150447845459},{"word":"you","start":666.87,"end":667.02997,"confidence":0.9998734,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4880594611167908},{"word":"are","start":667.02997,"end":667.19,"confidence":0.99847025,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5574616193771362},{"word":"earning","start":667.19,"end":667.51,"confidence":0.99390525,"punctuated_word":"earning","sentiment":"positive","sentiment_score":0.4936485588550568},{"word":"from","start":667.51,"end":667.58997,"confidence":0.96014804,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.5858150124549866},{"word":"the","start":667.58997,"end":667.75,"confidence":0.9773587,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5270894169807434},{"word":"investment","start":667.75,"end":668.07,"confidence":0.99954957,"punctuated_word":"investment","sentiment":"positive","sentiment_score":0.33973127603530884},{"word":"property","start":668.07,"end":668.38995,"confidence":0.9996897,"punctuated_word":"property","sentiment":"positive","sentiment_score":0.5865000486373901},{"word":"and","start":668.38995,"end":668.47,"confidence":0.64406556,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4887736439704895},{"word":"you","start":668.47,"end":668.63,"confidence":0.9990287,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5620982646942139},{"word":"get","start":668.63,"end":668.70996,"confidence":0.9989863,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.6106773614883423},{"word":"a","start":668.70996,"end":668.79,"confidence":0.9996263,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.534863293170929},{"word":"little","start":668.79,"end":668.95,"confidence":0.9998363,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.4962976574897766},{"word":"bit","start":668.95,"end":669.11,"confidence":0.9995432,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.5652293562889099},{"word":"of","start":669.11,"end":669.26996,"confidence":0.99900717,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5376631617546082},{"word":"expansion","start":669.26996,"end":669.67,"confidence":0.99891245,"punctuated_word":"expansion","sentiment":"positive","sentiment_score":0.6143863797187805},{"word":"out","start":669.67,"end":669.82996,"confidence":0.9985879,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.5980349779129028},{"word":"of","start":669.82996,"end":669.91,"confidence":0.9991635,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4782698452472687},{"word":"your","start":669.91,"end":669.99,"confidence":0.999456,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.38723024725914},{"word":"business","start":669.99,"end":670.49,"confidence":0.9266048,"punctuated_word":"business,","sentiment":"positive","sentiment_score":0.3665716350078583},{"word":"whether","start":670.70996,"end":671.02997,"confidence":0.99952316,"punctuated_word":"whether","sentiment":"neutral","sentiment_score":0.3162369132041931},{"word":"that","start":671.02997,"end":671.35,"confidence":0.99988365,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4109991788864136},{"word":"be","start":671.35,"end":671.82996,"confidence":0.94584805,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.28655174374580383},{"word":"building","start":671.82996,"end":672.14996,"confidence":0.99651295,"punctuated_word":"building","sentiment":"neutral","sentiment_score":0.2992282509803772},{"word":"a","start":672.14996,"end":672.31,"confidence":0.9967524,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3063264787197113},{"word":"shed","start":672.31,"end":672.55,"confidence":0.9943317,"punctuated_word":"shed","sentiment":"positive","sentiment_score":0.36272260546684265},{"word":"or","start":672.55,"end":672.70996,"confidence":0.9959222,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2676181197166443},{"word":"things","start":672.70996,"end":673.02997,"confidence":0.9998356,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.30153071880340576},{"word":"like","start":673.02997,"end":673.19,"confidence":0.99954623,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.24801452457904816},{"word":"that","start":673.19,"end":673.35,"confidence":0.99960953,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.295792818069458},{"word":"for","start":673.35,"end":673.51,"confidence":0.9938791,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.27959221601486206},{"word":"the","start":673.51,"end":673.67,"confidence":0.9994204,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.338202565908432},{"word":"growth","start":673.67,"end":673.91,"confidence":0.999749,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.3353022336959839},{"word":"of","start":673.91,"end":674.07,"confidence":0.9994654,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.41351839900016785},{"word":"your","start":674.07,"end":674.23,"confidence":0.999506,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2925768196582794},{"word":"company","start":674.23,"end":674.73,"confidence":0.9779893,"punctuated_word":"company.","sentiment":"neutral","sentiment_score":0.21268600225448608},{"word":"yeah","start":681.765,"end":682.005,"confidence":0.96265477,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06376075744628906},{"word":"so","start":682.005,"end":682.325,"confidence":0.9970962,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01836509257555008},{"word":"there's","start":682.325,"end":682.565,"confidence":0.9875306,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.007774504832923412},{"word":"definitely","start":682.565,"end":683.045,"confidence":0.946208,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.018288016319274902},{"word":"like","start":683.125,"end":683.365,"confidence":0.96968544,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.02758798748254776},{"word":"there's","start":683.365,"end":683.685,"confidence":0.9994353,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.10755079984664916},{"word":"no","start":683.685,"end":684.165,"confidence":0.99903417,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.13653147220611572},{"word":"no","start":684.165,"end":684.40497,"confidence":0.74855506,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.16578435897827148},{"word":"one","start":684.40497,"end":684.565,"confidence":0.9985341,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.1731174886226654},{"word":"way","start":684.565,"end":684.805,"confidence":0.9997396,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.12607690691947937},{"word":"about","start":684.805,"end":685.045,"confidence":0.9996164,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.04706037789583206},{"word":"it","start":685.045,"end":685.365,"confidence":0.9960885,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.06510068476200104},{"word":"it","start":685.365,"end":685.605,"confidence":0.99806195,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.09873327612876892},{"word":"sort","start":685.605,"end":685.765,"confidence":0.8793849,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.08738233149051666},{"word":"of","start":685.765,"end":685.925,"confidence":0.99886525,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06322433054447174},{"word":"depends","start":685.925,"end":686.40497,"confidence":0.9481805,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":-0.08969542384147644},{"word":"what","start":686.40497,"end":686.645,"confidence":0.48866555,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06696394085884094},{"word":"you","start":686.645,"end":686.805,"confidence":0.9991722,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07467422634363174},{"word":"do","start":686.805,"end":686.965,"confidence":0.99966097,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.07961367070674896},{"word":"wanna","start":686.965,"end":687.465,"confidence":0.64037913,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.031201019883155823},{"word":"achieve","start":687.525,"end":687.845,"confidence":0.72573763,"punctuated_word":"achieve.","sentiment":"neutral","sentiment_score":0.03214965760707855},{"word":"and","start":687.845,"end":688.085,"confidence":0.9993345,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.018805772066116333},{"word":"if","start":688.085,"end":688.245,"confidence":0.99962974,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0035215280950069427},{"word":"you","start":688.245,"end":688.40497,"confidence":0.9958752,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013657167553901672},{"word":"sort","start":688.40497,"end":688.645,"confidence":0.5868729,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0095537006855011},{"word":"of","start":688.645,"end":688.805,"confidence":0.9758655,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04883846640586853},{"word":"just","start":688.805,"end":689.045,"confidence":0.9590013,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.026461750268936157},{"word":"comfortable","start":689.045,"end":689.545,"confidence":0.9448403,"punctuated_word":"comfortable,","sentiment":"neutral","sentiment_score":0.0032763443887233734},{"word":"you","start":689.86,"end":690.02,"confidence":0.99949574,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.006539255380630493},{"word":"know","start":690.02,"end":690.18,"confidence":0.99953294,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.0027389302849769592},{"word":"selling","start":690.18,"end":690.38,"confidence":0.9931797,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.09329799562692642},{"word":"and","start":690.38,"end":690.58,"confidence":0.9702017,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.019569076597690582},{"word":"having","start":690.58,"end":690.9,"confidence":0.95409334,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.048341281712055206},{"word":"on","start":690.9,"end":690.98004,"confidence":0.96022356,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0010152459144592283},{"word":"the","start":690.98004,"end":691.06,"confidence":0.99803525,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.008099295198917389},{"word":"mortgage","start":691.06,"end":691.38,"confidence":0.98788637,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":0.00960395485162735},{"word":"that's","start":691.38,"end":691.62,"confidence":0.9995266,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.03512696176767349},{"word":"one","start":691.62,"end":691.86,"confidence":0.9997967,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.06210716813802719},{"word":"thing","start":691.86,"end":692.02,"confidence":0.9998135,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.03261367976665497},{"word":"versus","start":692.02,"end":692.42,"confidence":0.8276752,"punctuated_word":"versus,","sentiment":"neutral","sentiment_score":-0.057583361864089966},{"word":"like","start":692.42,"end":692.66003,"confidence":0.99952996,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.05306926369667053},{"word":"other","start":692.66003,"end":692.9,"confidence":0.9764479,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.06266695261001587},{"word":"ways","start":692.9,"end":693.22003,"confidence":0.99890196,"punctuated_word":"ways","sentiment":"neutral","sentiment_score":-0.028436101973056793},{"word":"to","start":693.22003,"end":693.38,"confidence":0.99808145,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.020635947585105896},{"word":"sort","start":693.38,"end":693.54004,"confidence":0.9971968,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.014315657317638395},{"word":"of","start":693.54004,"end":693.78,"confidence":0.97093046,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.037680819630622864},{"word":"potentially","start":693.78,"end":694.28,"confidence":0.9898023,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.037507958710193634},{"word":"keep","start":694.34,"end":694.58,"confidence":0.9989411,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.02656801789999008},{"word":"it","start":694.58,"end":694.74,"confidence":0.99981934,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05963984876871109},{"word":"and","start":694.74,"end":694.9,"confidence":0.91999954,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0019311010837554932},{"word":"maybe","start":694.9,"end":695.14,"confidence":0.99877006,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.058996930718421936},{"word":"just","start":695.14,"end":695.38,"confidence":0.99953306,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03241787105798721},{"word":"keep","start":695.38,"end":695.62,"confidence":0.9997193,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.033496029675006866},{"word":"leveraging","start":695.62,"end":696.10004,"confidence":0.9994524,"punctuated_word":"leveraging","sentiment":"neutral","sentiment_score":0.0594124011695385},{"word":"a","start":696.10004,"end":696.26,"confidence":0.99976367,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.016979508101940155},{"word":"little","start":696.26,"end":696.42,"confidence":0.99997663,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.008792318403720856},{"word":"bit","start":696.42,"end":696.66003,"confidence":0.9999088,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.014389567077159882},{"word":"more","start":696.66003,"end":697.16003,"confidence":0.9992803,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.0351322740316391},{"word":"given","start":698.58,"end":698.9,"confidence":0.73961884,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.05528853088617325},{"word":"the","start":698.9,"end":699.06,"confidence":0.9985838,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06618097424507141},{"word":"current","start":699.06,"end":699.38,"confidence":0.9984987,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.10728836059570312},{"word":"times","start":699.38,"end":699.62,"confidence":0.8734281,"punctuated_word":"times","sentiment":"neutral","sentiment_score":-0.05056492239236832},{"word":"there","start":699.62,"end":699.86,"confidence":0.9372088,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.031619586050510406},{"word":"as","start":699.86,"end":699.94,"confidence":0.99946946,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.022764794528484344},{"word":"well","start":699.94,"end":700.10004,"confidence":0.9781421,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.041697580367326736},{"word":"but","start":700.10004,"end":700.26,"confidence":0.99961495,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.023673124611377716},{"word":"i'll","start":700.26,"end":700.42,"confidence":0.9999352,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0123020363971591},{"word":"make","start":700.42,"end":700.58,"confidence":0.9999089,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.03646127134561539},{"word":"that","start":700.58,"end":700.82,"confidence":0.9974886,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03835670277476311},{"word":"referral","start":700.82,"end":701.22003,"confidence":0.99943465,"punctuated_word":"referral","sentiment":"neutral","sentiment_score":0.020795144140720367},{"word":"through","start":701.22003,"end":701.38,"confidence":0.98266566,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.02684911899268627},{"word":"you","start":701.38,"end":701.54004,"confidence":0.998206,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.045543961226940155},{"word":"can","start":701.54004,"end":701.7,"confidence":0.99968076,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07440491020679474},{"word":"have","start":701.7,"end":701.86,"confidence":0.9998265,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06194864213466644},{"word":"a","start":701.86,"end":701.94,"confidence":0.98779815,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08210477232933044},{"word":"discussion","start":701.94,"end":702.34,"confidence":0.9998965,"punctuated_word":"discussion","sentiment":"neutral","sentiment_score":0.0845717191696167},{"word":"with","start":702.34,"end":702.5,"confidence":0.99947757,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11324889212846756},{"word":"them","start":702.5,"end":702.66003,"confidence":0.99266785,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.09393759071826936},{"word":"about","start":702.66003,"end":702.9,"confidence":0.98823196,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09301025420427322},{"word":"what","start":702.9,"end":702.98004,"confidence":0.9998995,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.09331812709569932},{"word":"you","start":702.98004,"end":703.14,"confidence":0.999398,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0979098528623581},{"word":"potentially","start":703.14,"end":703.54004,"confidence":0.99008334,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.08026585727930069},{"word":"wanna","start":703.54004,"end":703.86,"confidence":0.9717538,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.10376238822937012},{"word":"do","start":703.86,"end":704.26,"confidence":0.971156,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.07514283061027527},{"word":"and","start":704.26,"end":704.42,"confidence":0.99963653,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08041010797023773},{"word":"then","start":704.42,"end":704.66003,"confidence":0.99975234,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06080560386180878},{"word":"if","start":704.66003,"end":704.82,"confidence":0.999006,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03543100506067276},{"word":"you","start":704.82,"end":705.285,"confidence":0.97711074,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.012804877012968063},{"word":"you","start":705.365,"end":705.44495,"confidence":0.9890435,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.00008297711610794067},{"word":"know","start":705.44495,"end":705.685,"confidence":0.99942374,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.013432037085294724},{"word":"make","start":705.685,"end":705.76495,"confidence":0.99950254,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.044771790504455566},{"word":"up","start":705.76495,"end":706.00494,"confidence":0.9998716,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.01299181580543518},{"word":"your","start":706.00494,"end":706.165,"confidence":0.9998616,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.028131447732448574},{"word":"mind","start":706.165,"end":706.40497,"confidence":0.99985397,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.05279921740293503},{"word":"or","start":706.40497,"end":706.565,"confidence":0.9468844,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05254845321178436},{"word":"if","start":706.565,"end":706.725,"confidence":0.99934405,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.021334335207939148},{"word":"you","start":706.725,"end":706.88495,"confidence":0.9994487,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.008091993629932404},{"word":"have","start":706.88495,"end":707.045,"confidence":0.9998287,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.026296570897102356},{"word":"a","start":707.045,"end":707.20496,"confidence":0.9998666,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009018391370773315},{"word":"discussion","start":707.20496,"end":707.52496,"confidence":0.9998952,"punctuated_word":"discussion","sentiment":"neutral","sentiment_score":0.017535366117954254},{"word":"with","start":707.52496,"end":707.76495,"confidence":0.99507576,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.003876470029354095},{"word":"your","start":707.76495,"end":707.845,"confidence":0.98462474,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.015615493059158323},{"word":"account","start":707.845,"end":708.08496,"confidence":0.8733717,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.0477365106344223},{"word":"and","start":708.08496,"end":708.245,"confidence":0.74727833,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0021603330969810486},{"word":"you","start":708.245,"end":708.40497,"confidence":0.9750108,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.029738791286945343},{"word":"don't","start":708.40497,"end":708.565,"confidence":0.9998369,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05276670679450035},{"word":"wanna","start":708.565,"end":708.725,"confidence":0.88532597,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.10799728333950044},{"word":"sort","start":708.725,"end":708.96497,"confidence":0.99341136,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.1524924337863922},{"word":"of","start":708.96497,"end":709.045,"confidence":0.9378378,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12926585972309113},{"word":"build","start":709.045,"end":709.20496,"confidence":0.9982644,"punctuated_word":"build","sentiment":"neutral","sentiment_score":-0.20001539587974548},{"word":"on","start":709.20496,"end":709.365,"confidence":0.9965244,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.17968004941940308},{"word":"your","start":709.365,"end":709.605,"confidence":0.9525563,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.14677485823631287},{"word":"your","start":709.605,"end":709.76495,"confidence":0.9139817,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.09846945106983183},{"word":"business","start":709.76495,"end":710.08496,"confidence":0.9997466,"punctuated_word":"business","sentiment":"neutral","sentiment_score":0.01099853217601776},{"word":"much","start":710.08496,"end":710.32495,"confidence":0.9972487,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.17870283126831055},{"word":"more","start":710.32495,"end":710.485,"confidence":0.9972036,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.1405734419822693},{"word":"and","start":710.485,"end":710.64496,"confidence":0.5959971,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13366815447807312},{"word":"lowering","start":710.64496,"end":711.14496,"confidence":0.9946227,"punctuated_word":"lowering","sentiment":"neutral","sentiment_score":-0.11961495876312256},{"word":"that","start":711.605,"end":711.845,"confidence":0.89282596,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1574893593788147},{"word":"income","start":711.845,"end":712.165,"confidence":0.9987191,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.2690218687057495},{"word":"or","start":712.165,"end":712.40497,"confidence":0.9825137,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.20220839977264404},{"word":"drawing","start":712.40497,"end":712.90497,"confidence":0.99542314,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":-0.25601497292518616},{"word":"a","start":712.96497,"end":713.125,"confidence":0.9987953,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1797844022512436},{"word":"bit","start":713.125,"end":713.285,"confidence":0.9996679,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.17116908729076383},{"word":"less","start":713.285,"end":713.44495,"confidence":0.99974746,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.13112421333789823},{"word":"because","start":713.44495,"end":713.605,"confidence":0.52894086,"punctuated_word":"because,","sentiment":"neutral","sentiment_score":-0.072930708527565},{"word":"obviously","start":713.605,"end":714.00494,"confidence":0.99904907,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.05379663780331611},{"word":"being","start":714.00494,"end":714.245,"confidence":0.9918006,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.03964261710643768},{"word":"self","start":714.245,"end":714.485,"confidence":0.9998548,"punctuated_word":"self","sentiment":"neutral","sentiment_score":-0.025581300258636475},{"word":"employed","start":714.485,"end":714.985,"confidence":0.9750948,"punctuated_word":"employed,","sentiment":"neutral","sentiment_score":0.017625130712985992},{"word":"whatever","start":716.08496,"end":716.565,"confidence":0.64129126,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":-0.020188480615615845},{"word":"you","start":716.565,"end":716.725,"confidence":0.9971482,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0024682432413101196},{"word":"earn","start":716.725,"end":717.125,"confidence":0.9962943,"punctuated_word":"earn","sentiment":"neutral","sentiment_score":0.01436849683523178},{"word":"is","start":717.125,"end":717.365,"confidence":0.8590579,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.010973267257213593},{"word":"you","start":717.365,"end":717.44495,"confidence":0.9992537,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02424263209104538},{"word":"know","start":717.44495,"end":717.685,"confidence":0.9948376,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.010537516325712204},{"word":"that","start":717.685,"end":717.925,"confidence":0.68061775,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0005558803677558899},{"word":"what","start":717.925,"end":718.00494,"confidence":0.75325096,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.002098262310028076},{"word":"you","start":718.00494,"end":718.165,"confidence":0.5194297,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012407854199409485},{"word":"take","start":718.165,"end":718.40497,"confidence":0.9918887,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.01207861304283142},{"word":"home","start":718.40497,"end":718.565,"confidence":0.9824629,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.0433393269777298},{"word":"income","start":718.565,"end":718.805,"confidence":0.99967337,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.01683841645717621},{"word":"is","start":718.805,"end":719.045,"confidence":0.7517061,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.04974488541483879},{"word":"whereas","start":719.045,"end":719.285,"confidence":0.9966787,"punctuated_word":"Whereas","sentiment":"neutral","sentiment_score":-0.1039878949522972},{"word":"if","start":719.285,"end":719.44495,"confidence":0.7939346,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.14359016716480255},{"word":"you're","start":719.44495,"end":719.605,"confidence":0.9613111,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.15881499648094177},{"word":"spending","start":719.605,"end":720.00494,"confidence":0.940981,"punctuated_word":"spending","sentiment":"neutral","sentiment_score":-0.0952049046754837},{"word":"it","start":720.00494,"end":720.3,"confidence":0.93921685,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.18959824740886688},{"word":"it's","start":721.74,"end":721.98,"confidence":0.99047965,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.18557825684547424},{"word":"an","start":721.98,"end":722.22,"confidence":0.99968994,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.17085450887680054},{"word":"expense","start":722.22,"end":722.72,"confidence":0.99918824,"punctuated_word":"expense","sentiment":"neutral","sentiment_score":-0.07621943950653076},{"word":"at","start":722.77997,"end":722.94,"confidence":0.9935116,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.16085752844810486},{"word":"that","start":722.94,"end":723.1,"confidence":0.99961853,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11838431656360626},{"word":"point","start":723.1,"end":723.6,"confidence":0.9996866,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.11662113666534424},{"word":"to","start":723.74,"end":723.98,"confidence":0.92094845,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11988110840320589},{"word":"growing","start":723.98,"end":724.3,"confidence":0.9752,"punctuated_word":"growing","sentiment":"neutral","sentiment_score":0.06746591627597809},{"word":"your","start":724.3,"end":724.45996,"confidence":0.99692935,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08229485154151917},{"word":"business","start":724.45996,"end":724.95996,"confidence":0.99965286,"punctuated_word":"business.","sentiment":"neutral","sentiment_score":0.048064518719911575},{"word":"not","start":734.155,"end":734.395,"confidence":0.6076624,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.4348755776882171},{"word":"a","start":734.395,"end":734.555,"confidence":0.99947137,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3447990119457245},{"word":"problem","start":734.555,"end":735.055,"confidence":0.9998113,"punctuated_word":"problem.","sentiment":"positive","sentiment_score":0.36645036935806274},{"word":"well","start":735.275,"end":735.59503,"confidence":0.86056566,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.16589736938476562},{"word":"is","start":735.59503,"end":735.755,"confidence":0.99902666,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10896869748830797},{"word":"there","start":735.755,"end":735.835,"confidence":0.9981159,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10811860114336014},{"word":"any","start":735.835,"end":735.995,"confidence":0.9995074,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08534273505210876},{"word":"other","start":735.995,"end":736.155,"confidence":0.9992105,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0775892436504364},{"word":"questions","start":736.155,"end":736.475,"confidence":0.9992224,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.08816239982843399},{"word":"you've","start":736.475,"end":736.635,"confidence":0.9997583,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.0843401700258255},{"word":"got","start":736.635,"end":736.795,"confidence":0.9992329,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.103265181183815},{"word":"in","start":736.795,"end":736.955,"confidence":0.9991062,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1133510246872902},{"word":"regards","start":736.955,"end":737.435,"confidence":0.999241,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.0922141820192337},{"word":"to","start":737.435,"end":737.515,"confidence":0.9994691,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14559586346149445},{"word":"that","start":737.515,"end":737.755,"confidence":0.9998037,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19225838780403137},{"word":"at","start":737.755,"end":737.835,"confidence":0.99666935,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1340000331401825},{"word":"all","start":737.835,"end":738.335,"confidence":0.9968246,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":0.1434396356344223},{"word":"yeah","start":751.53,"end":752.01,"confidence":0.8594862,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08943641185760498},{"word":"obviously","start":752.01,"end":752.51,"confidence":0.8050962,"punctuated_word":"Obviously,","sentiment":"neutral","sentiment_score":0.05756032466888428},{"word":"like","start":752.81,"end":753.31,"confidence":0.7101382,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05526968091726303},{"word":"it","start":753.37,"end":753.53,"confidence":0.9943996,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05137662589550018},{"word":"probably","start":753.53,"end":753.93,"confidence":0.97889644,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.03815247118473053},{"word":"just","start":753.93,"end":754.33,"confidence":0.999278,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.040764257311820984},{"word":"broadened","start":754.33,"end":754.73004,"confidence":0.86403936,"punctuated_word":"broadened","sentiment":"neutral","sentiment_score":0.1088169515132904},{"word":"what","start":754.73004,"end":754.89,"confidence":0.9971806,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06084130704402923},{"word":"you","start":754.89,"end":755.05,"confidence":0.99993527,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08267183601856232},{"word":"had","start":755.05,"end":755.21,"confidence":0.9946859,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.004334904253482819},{"word":"to","start":755.21,"end":755.29004,"confidence":0.99955326,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01877254992723465},{"word":"think","start":755.29004,"end":755.53,"confidence":0.9999342,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04011993855237961},{"word":"about","start":755.53,"end":755.77,"confidence":0.9995105,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03987544029951096},{"word":"a","start":755.77,"end":755.85004,"confidence":0.9886348,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07717673480510712},{"word":"little","start":755.85004,"end":756.09,"confidence":0.9998975,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.029382064938545227},{"word":"bit","start":756.09,"end":756.25,"confidence":0.99971205,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.022874876856803898},{"word":"more","start":756.25,"end":756.41003,"confidence":0.75607276,"punctuated_word":"more.","sentiment":"neutral","sentiment_score":0.04417512565851211},{"word":"but","start":756.41003,"end":756.91003,"confidence":0.9744572,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.15599165856838226},{"word":"yeah","start":759.155,"end":759.395,"confidence":0.98058534,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.2925340533256531},{"word":"and","start":759.395,"end":759.555,"confidence":0.99926704,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.3182743489742279},{"word":"then","start":759.555,"end":759.715,"confidence":0.99963677,"punctuated_word":"then","sentiment":"positive","sentiment_score":0.36219891905784607},{"word":"you","start":759.715,"end":759.875,"confidence":0.9939989,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4031898379325866},{"word":"can","start":759.875,"end":760.03503,"confidence":0.8957253,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4190836548805237},{"word":"have","start":760.03503,"end":760.275,"confidence":0.62514824,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4456351399421692},{"word":"a","start":760.275,"end":760.435,"confidence":0.96066844,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4105788767337799},{"word":"chat","start":760.435,"end":760.675,"confidence":0.84373766,"punctuated_word":"chat","sentiment":"positive","sentiment_score":0.4446183443069458},{"word":"with","start":760.675,"end":760.835,"confidence":0.99884295,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4270540773868561},{"word":"your","start":760.835,"end":761.075,"confidence":0.9825348,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3356013894081116},{"word":"your","start":761.075,"end":761.235,"confidence":0.7866685,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.30698174238204956},{"word":"partner","start":761.235,"end":761.555,"confidence":0.998558,"punctuated_word":"partner","sentiment":"positive","sentiment_score":0.3785175681114197},{"word":"and","start":761.555,"end":761.635,"confidence":0.9001681,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.42834362387657166},{"word":"potentially","start":761.635,"end":762.115,"confidence":0.98758775,"punctuated_word":"potentially","sentiment":"positive","sentiment_score":0.43628737330436707},{"word":"how","start":762.115,"end":762.275,"confidence":0.992937,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.39968979358673096},{"word":"you","start":762.275,"end":762.435,"confidence":0.99969625,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.418598473072052},{"word":"wanna","start":762.435,"end":762.835,"confidence":0.7480927,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.4972735643386841},{"word":"move","start":762.835,"end":763.075,"confidence":0.9990289,"punctuated_word":"move","sentiment":"positive","sentiment_score":0.5042018294334412},{"word":"forward","start":763.075,"end":763.395,"confidence":0.99994004,"punctuated_word":"forward","sentiment":"positive","sentiment_score":0.48541396856307983},{"word":"with","start":763.395,"end":763.555,"confidence":0.9994766,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4876950085163117},{"word":"that","start":763.555,"end":763.715,"confidence":0.9996673,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4305620193481446},{"word":"and","start":763.715,"end":763.955,"confidence":0.9679836,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4132527709007263},{"word":"what","start":763.955,"end":764.115,"confidence":0.9642656,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.4120972156524658},{"word":"you're","start":764.115,"end":764.275,"confidence":0.99835074,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3667562901973725},{"word":"comfortable","start":764.275,"end":764.675,"confidence":0.9995927,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.26977425813674927},{"word":"with","start":764.675,"end":764.835,"confidence":0.99914753,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.35666322708129883},{"word":"because","start":764.835,"end":765.075,"confidence":0.63544196,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2240928560495377},{"word":"it's","start":765.075,"end":765.155,"confidence":0.9974774,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3117542266845703},{"word":"not","start":765.155,"end":765.315,"confidence":0.99958235,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.14834463596343994},{"word":"all","start":765.315,"end":765.47504,"confidence":0.99552333,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.20695805549621585},{"word":"at","start":765.635,"end":765.795,"confidence":0.85463655,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21018007397651672},{"word":"the","start":765.795,"end":765.875,"confidence":0.9362753,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27402225136756897},{"word":"end","start":765.875,"end":766.03503,"confidence":0.9986628,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.1600518673658371},{"word":"of","start":766.03503,"end":766.115,"confidence":0.9984164,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2540042996406555},{"word":"the","start":766.115,"end":766.195,"confidence":0.98759043,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2506081461906433},{"word":"day","start":766.195,"end":766.435,"confidence":0.99697983,"punctuated_word":"day,","sentiment":"neutral","sentiment_score":0.17669565975666046},{"word":"it's","start":766.435,"end":766.59503,"confidence":0.99979895,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.23676864802837372},{"word":"not","start":766.59503,"end":766.755,"confidence":0.99973327,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.1375531256198883},{"word":"all","start":766.755,"end":766.995,"confidence":0.9993813,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.15139731764793396},{"word":"about","start":766.995,"end":767.47504,"confidence":0.8053413,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.10561095923185349},{"word":"you","start":767.47504,"end":767.715,"confidence":0.9980075,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09249496459960938},{"word":"know","start":767.715,"end":768.03503,"confidence":0.9996319,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10098530352115632},{"word":"saving","start":768.03503,"end":768.355,"confidence":0.9964701,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":0.0015662014484405518},{"word":"saving","start":768.355,"end":768.755,"confidence":0.9337789,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":0.05413199961185455},{"word":"on","start":768.755,"end":768.995,"confidence":0.9991916,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08602635562419891},{"word":"tax","start":768.995,"end":769.315,"confidence":0.8908838,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.06400936096906662},{"word":"it's","start":769.315,"end":769.47504,"confidence":0.9990308,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.18604330718517303},{"word":"probably","start":769.47504,"end":769.795,"confidence":0.98482406,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.2178574502468109},{"word":"you","start":769.875,"end":770.03503,"confidence":0.9984541,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17848700284957886},{"word":"gotta","start":770.03503,"end":770.275,"confidence":0.739928,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":0.1720031499862671},{"word":"think","start":770.275,"end":770.59503,"confidence":0.9976574,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.15872585773468018},{"word":"long","start":770.59503,"end":770.835,"confidence":0.99496883,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.192821204662323},{"word":"term","start":770.835,"end":771.075,"confidence":0.9961259,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.22994208335876465},{"word":"as","start":771.075,"end":771.235,"confidence":0.99928707,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2110958993434906},{"word":"well","start":771.235,"end":771.735,"confidence":0.9978866,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.18308235704898831},{"word":"yeah","start":787.205,"end":787.605,"confidence":0.87281466,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11993139982223512},{"word":"because","start":787.605,"end":788.005,"confidence":0.972498,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.08199664205312729},{"word":"with","start":788.005,"end":788.245,"confidence":0.9883482,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12357266992330553},{"word":"that","start":788.245,"end":788.405,"confidence":0.9829647,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.11222018301486968},{"word":"you're","start":788.405,"end":788.645,"confidence":0.89839053,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.14161942899227142},{"word":"obviously","start":788.645,"end":788.885,"confidence":0.98861456,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.17027859389781952},{"word":"diversified","start":788.885,"end":789.385,"confidence":0.99879646,"punctuated_word":"diversified","sentiment":"neutral","sentiment_score":0.15694962441921234},{"word":"across","start":789.445,"end":789.765,"confidence":0.9998913,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.1432691514492035},{"word":"a","start":789.765,"end":789.84503,"confidence":0.9941923,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15302082896232605},{"word":"couple","start":789.84503,"end":790.085,"confidence":0.9994825,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.11943121254444122},{"word":"of","start":790.085,"end":790.165,"confidence":0.52127355,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1107088029384613},{"word":"properties","start":790.165,"end":790.485,"confidence":0.77205706,"punctuated_word":"properties.","sentiment":"neutral","sentiment_score":0.11170126497745514},{"word":"it's","start":790.485,"end":790.645,"confidence":0.9732472,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1163824498653412},{"word":"all","start":790.645,"end":790.805,"confidence":0.99324566,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.09232908487319946},{"word":"in","start":790.805,"end":790.965,"confidence":0.82989347,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.13242673873901367},{"word":"the","start":790.965,"end":791.045,"confidence":0.9577005,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12327849119901656},{"word":"primary","start":791.045,"end":791.445,"confidence":0.99848926,"punctuated_word":"primary","sentiment":"neutral","sentiment_score":0.1420530378818512},{"word":"residence","start":791.445,"end":791.84503,"confidence":0.94512594,"punctuated_word":"residence.","sentiment":"neutral","sentiment_score":0.10945283621549606},{"word":"you","start":791.84503,"end":791.925,"confidence":0.79994684,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.09568070620298386},{"word":"know","start":791.925,"end":792.085,"confidence":0.8852737,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1095373034477234},{"word":"if","start":792.085,"end":792.165,"confidence":0.9975706,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13932593166828156},{"word":"anything","start":792.165,"end":792.565,"confidence":0.99986255,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.14124709367752075},{"word":"happens","start":792.565,"end":793.065,"confidence":0.9835063,"punctuated_word":"happens,","sentiment":"neutral","sentiment_score":0.062041014432907104},{"word":"you've","start":793.28503,"end":793.605,"confidence":0.9937989,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.06779041886329651},{"word":"like","start":793.765,"end":794.005,"confidence":0.9822402,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.042949870228767395},{"word":"that's","start":794.005,"end":794.165,"confidence":0.99861526,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.09455733746290208},{"word":"just","start":794.165,"end":794.405,"confidence":0.99927837,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10888270288705826},{"word":"where","start":794.405,"end":794.565,"confidence":0.9961217,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.07915998250246048},{"word":"you","start":794.565,"end":794.725,"confidence":0.99953496,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08467927575111389},{"word":"live","start":794.725,"end":794.965,"confidence":0.9879116,"punctuated_word":"live","sentiment":"neutral","sentiment_score":0.12129595130681992},{"word":"at","start":794.965,"end":795.045,"confidence":0.8974438,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09946884214878082},{"word":"the","start":795.045,"end":795.205,"confidence":0.99960655,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.131138876080513},{"word":"end","start":795.205,"end":795.28503,"confidence":0.9998472,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.14175330102443695},{"word":"of","start":795.28503,"end":795.365,"confidence":0.99980026,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12109005451202393},{"word":"the","start":795.365,"end":795.445,"confidence":0.9988494,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1160384863615036},{"word":"day","start":795.445,"end":795.605,"confidence":0.9942827,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":0.07335609197616577},{"word":"it's","start":795.605,"end":795.765,"confidence":0.9996567,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.06078541278839111},{"word":"not","start":795.765,"end":795.925,"confidence":0.99983454,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.12484904378652573},{"word":"like","start":795.925,"end":796.165,"confidence":0.9936534,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.18683868646621704},{"word":"you","start":796.165,"end":796.245,"confidence":0.9989221,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.16576725244522095},{"word":"can","start":796.245,"end":796.405,"confidence":0.9996419,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.18523955345153809},{"word":"sell","start":796.405,"end":796.645,"confidence":0.99844104,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.21124035120010376},{"word":"that","start":796.645,"end":796.725,"confidence":0.9997646,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.17209434509277344},{"word":"one","start":796.725,"end":796.965,"confidence":0.79897654,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.10537546873092651},{"word":"worst","start":796.965,"end":797.205,"confidence":0.993404,"punctuated_word":"Worst","sentiment":"neutral","sentiment_score":-0.15418148040771484},{"word":"case","start":797.205,"end":797.445,"confidence":0.99938095,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.1740969568490982},{"word":"scenario","start":797.445,"end":797.685,"confidence":0.94945383,"punctuated_word":"scenario,","sentiment":"neutral","sentiment_score":-0.24788230657577515},{"word":"and","start":797.685,"end":797.84503,"confidence":0.6001432,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.21972598135471344},{"word":"you","start":797.84503,"end":797.925,"confidence":0.9992787,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22773833572864532},{"word":"can","start":797.925,"end":798.085,"confidence":0.9995522,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.05547519028186798},{"word":"definitely","start":798.085,"end":798.485,"confidence":0.9997588,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.0011972486972808838},{"word":"still","start":798.485,"end":798.725,"confidence":0.9979091,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.07869741320610046},{"word":"afford","start":798.725,"end":799.225,"confidence":0.99568933,"punctuated_word":"afford","sentiment":"neutral","sentiment_score":-0.06428992748260498},{"word":"to","start":799.64996,"end":799.88995,"confidence":0.99957913,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.033609673380851746},{"word":"keep","start":799.88995,"end":800.05,"confidence":0.9999136,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.03108552098274231},{"word":"it","start":800.05,"end":800.20996,"confidence":0.99960846,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.0639408528804779},{"word":"even","start":800.20996,"end":800.37,"confidence":0.96881884,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.03186962008476257},{"word":"if","start":800.37,"end":800.52997,"confidence":0.99976844,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.1517447531223297},{"word":"you","start":800.52997,"end":800.61,"confidence":0.999843,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17319314181804657},{"word":"are","start":800.61,"end":800.76996,"confidence":0.99861157,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.13657847046852112},{"word":"paying","start":800.76996,"end":800.92993,"confidence":0.9998103,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.1936121881008148},{"word":"a","start":800.92993,"end":801.08997,"confidence":0.999801,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2346845269203186},{"word":"little","start":801.08997,"end":801.25,"confidence":0.9998306,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.1451176553964615},{"word":"bit","start":801.25,"end":801.41,"confidence":0.99914825,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.19269859790802},{"word":"more","start":801.41,"end":801.64996,"confidence":0.9997979,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.19279831647872925},{"word":"tax","start":801.64996,"end":801.97,"confidence":0.9964947,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.05563001334667206},{"word":"at","start":801.97,"end":802.12994,"confidence":0.9996246,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.25644245743751526},{"word":"the","start":802.12994,"end":802.44995,"confidence":0.9966813,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19023236632347107},{"word":"the","start":802.44995,"end":802.52997,"confidence":0.49493316,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.17989733815193176},{"word":"moment","start":802.52997,"end":803.02997,"confidence":0.9972919,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.14672458171844482},{"word":"and","start":806.93,"end":807.17,"confidence":0.9957759,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11253242939710616},{"word":"like","start":807.17,"end":807.41,"confidence":0.9465079,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10665665566921234},{"word":"you","start":807.41,"end":807.56995,"confidence":0.9966552,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09813788533210754},{"word":"said","start":807.56995,"end":807.97,"confidence":0.81537944,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.0968223288655281},{"word":"yeah","start":807.97,"end":808.37,"confidence":0.9381761,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.09556514024734496},{"word":"like","start":808.37,"end":808.52997,"confidence":0.9342358,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.11621548235416412},{"word":"you","start":808.52997,"end":808.69,"confidence":0.99867994,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1045280247926712},{"word":"said","start":808.69,"end":808.93,"confidence":0.74802214,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":0.11703552305698396},{"word":"that","start":808.93,"end":809.08997,"confidence":0.4552058,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10929199308156969},{"word":"your","start":809.08997,"end":809.32996,"confidence":0.9528068,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09354861825704576},{"word":"kids","start":809.32996,"end":809.56995,"confidence":0.9986303,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.13952036201953888},{"word":"might","start":809.56995,"end":809.81,"confidence":0.9996228,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.1167667955160141},{"word":"want","start":809.81,"end":809.97,"confidence":0.9618588,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.13450133800506592},{"word":"a","start":809.97,"end":810.20996,"confidence":0.9957979,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16419120132923126},{"word":"bit","start":810.20996,"end":810.37,"confidence":0.9981243,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.12596556544303894},{"word":"of","start":810.37,"end":810.52997,"confidence":0.99920744,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1549789309501648},{"word":"extra","start":810.52997,"end":810.76996,"confidence":0.99987364,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.14932414889335632},{"word":"room","start":810.76996,"end":811.00995,"confidence":0.9996989,"punctuated_word":"room","sentiment":"neutral","sentiment_score":0.17195619642734528},{"word":"once","start":811.00995,"end":811.17,"confidence":0.9979347,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.1813756823539734},{"word":"they","start":811.17,"end":811.32996,"confidence":0.99917406,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.14565730094909668},{"word":"get","start":811.32996,"end":811.49,"confidence":0.99954945,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13686896860599518},{"word":"a","start":811.49,"end":811.56995,"confidence":0.99880517,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1585172563791275},{"word":"bit","start":811.56995,"end":811.73,"confidence":0.99873286,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09739162027835846},{"word":"older","start":811.73,"end":811.97,"confidence":0.9997008,"punctuated_word":"older","sentiment":"neutral","sentiment_score":0.15643993020057678},{"word":"as","start":811.97,"end":812.12994,"confidence":0.998993,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.15351876616477966},{"word":"well","start":812.12994,"end":812.62994,"confidence":0.9999423,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.14740300178527832},{"word":"down","start":813.08997,"end":813.32996,"confidence":0.9772504,"punctuated_word":"down","sentiment":"positive","sentiment_score":0.45575571060180664},{"word":"the","start":813.32996,"end":813.49,"confidence":0.9992836,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19803713262081143},{"word":"track","start":813.49,"end":813.99,"confidence":0.989642,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":0.19343861937522888},{"word":"but","start":818.705,"end":818.865,"confidence":0.95987284,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.12045158445835114},{"word":"yeah","start":818.865,"end":819.025,"confidence":0.99698585,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.1514817476272583},{"word":"definitely","start":819.025,"end":819.425,"confidence":0.9986651,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.15330269932746887},{"word":"plenty","start":819.425,"end":819.665,"confidence":0.9802082,"punctuated_word":"plenty","sentiment":"neutral","sentiment_score":0.17227673530578613},{"word":"of","start":819.665,"end":819.745,"confidence":0.96750176,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15114368498325348},{"word":"other","start":819.745,"end":819.825,"confidence":0.9959628,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.15165230631828308},{"word":"ways","start":819.825,"end":820.145,"confidence":0.85794985,"punctuated_word":"ways.","sentiment":"neutral","sentiment_score":0.14462971687316897},{"word":"the","start":820.145,"end":820.225,"confidence":0.99562883,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.11541591584682465},{"word":"mortgage","start":820.225,"end":820.465,"confidence":0.92024463,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.11298154294490814},{"word":"broker","start":820.465,"end":820.705,"confidence":0.9170432,"punctuated_word":"broker","sentiment":"neutral","sentiment_score":0.11466043442487717},{"word":"might","start":820.705,"end":820.865,"confidence":0.97756106,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.14368824660778046},{"word":"give","start":820.865,"end":821.025,"confidence":0.8983038,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.121131993830204},{"word":"you","start":821.025,"end":821.185,"confidence":0.99625933,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15682004392147064},{"word":"a","start":821.185,"end":821.265,"confidence":0.9984798,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12915858626365662},{"word":"little","start":821.265,"end":821.425,"confidence":0.9991812,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.10606378316879272},{"word":"bit","start":821.425,"end":821.505,"confidence":0.9986274,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10717467963695526},{"word":"more","start":821.505,"end":821.665,"confidence":0.99925166,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.09714896976947784},{"word":"information","start":821.665,"end":822.165,"confidence":0.99958235,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.11945603042840958},{"word":"potentially","start":822.225,"end":822.625,"confidence":0.39387226,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.11667510122060776},{"word":"about","start":822.625,"end":822.785,"confidence":0.41622844,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10254549235105516},{"word":"and","start":822.785,"end":822.945,"confidence":0.24236368,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14619511365890503},{"word":"just","start":822.945,"end":823.185,"confidence":0.9836373,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21736036241054535},{"word":"leverage","start":823.185,"end":823.505,"confidence":0.9946455,"punctuated_word":"leverage","sentiment":"neutral","sentiment_score":0.17365267872810364},{"word":"that","start":823.505,"end":824.005,"confidence":0.99735284,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18726328015327456},{"word":"and","start":824.225,"end":824.385,"confidence":0.7478751,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1773853302001953},{"word":"then","start":824.385,"end":824.625,"confidence":0.9965603,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.22080925107002256},{"word":"taking","start":824.625,"end":824.945,"confidence":0.9810853,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.2150578498840332},{"word":"on","start":824.945,"end":825.105,"confidence":0.9969606,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.19283339381217957},{"word":"a","start":825.105,"end":825.185,"confidence":0.99959487,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20032566785812375},{"word":"bit","start":825.185,"end":825.425,"confidence":0.99984384,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.11591050773859024},{"word":"more","start":825.425,"end":825.905,"confidence":0.9998159,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.1745636910200119},{"word":"more","start":825.905,"end":826.065,"confidence":0.96997875,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.16912615299224854},{"word":"debt","start":826.065,"end":826.305,"confidence":0.99727947,"punctuated_word":"debt","sentiment":"neutral","sentiment_score":0.16805583238601685},{"word":"if","start":826.305,"end":826.465,"confidence":0.83082825,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.24314969778060913},{"word":"that's","start":826.465,"end":826.705,"confidence":0.9998617,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.20262907445430756},{"word":"the","start":826.705,"end":826.785,"confidence":0.998401,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17819537222385406},{"word":"way","start":826.785,"end":826.945,"confidence":0.99932384,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.14983177185058594},{"word":"you","start":826.945,"end":827.105,"confidence":0.9919105,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19794932007789612},{"word":"sort","start":827.105,"end":827.34503,"confidence":0.99809223,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.133697509765625},{"word":"of","start":827.34503,"end":827.425,"confidence":0.8122077,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2250654697418213},{"word":"wanna","start":827.425,"end":827.665,"confidence":0.8065527,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.22815585136413577},{"word":"work","start":827.665,"end":827.905,"confidence":0.99851185,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.24372103810310364},{"word":"it","start":827.905,"end":828.385,"confidence":0.9432812,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.027454126626253128},{"word":"and","start":828.385,"end":828.545,"confidence":0.98772883,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.26992788910865784},{"word":"then","start":828.545,"end":828.785,"confidence":0.9956866,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.16955479979515076},{"word":"yeah","start":828.785,"end":828.945,"confidence":0.995808,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.2974172830581665},{"word":"you","start":828.945,"end":829.105,"confidence":0.99389875,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.381294846534729},{"word":"can","start":829.105,"end":829.265,"confidence":0.98775303,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.33043116331100464},{"word":"have","start":829.265,"end":829.425,"confidence":0.9794883,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.4358735978603363},{"word":"a","start":829.425,"end":829.6125,"confidence":0.9463369,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3932046592235565},{"word":"discussion","start":829.6125,"end":829.8,"confidence":0.94569254,"punctuated_word":"discussion","sentiment":"positive","sentiment_score":0.3929644823074341},{"word":"with","start":829.8,"end":829.95996,"confidence":0.9958417,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4050959348678589},{"word":"your","start":829.95996,"end":830.12,"confidence":0.8296858,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.36250677704811096},{"word":"account","start":830.12,"end":830.19995,"confidence":0.80063254,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.28689998388290405},{"word":"and","start":830.19995,"end":830.27997,"confidence":0.9851894,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27645668387413025},{"word":"they'll","start":830.27997,"end":830.44,"confidence":0.71222854,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":0.2969488501548767},{"word":"come","start":830.44,"end":830.68,"confidence":0.99968576,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.3604229688644409},{"word":"back","start":830.68,"end":830.83997,"confidence":0.99984145,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.3308054804801941},{"word":"to","start":830.83997,"end":831.0,"confidence":0.9993069,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2821497321128845},{"word":"us","start":831.0,"end":831.16,"confidence":0.99978715,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.27122777700424194},{"word":"if","start":831.16,"end":831.39996,"confidence":0.9855972,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.30092161893844604},{"word":"you","start":831.39996,"end":831.72,"confidence":0.9976344,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2954854369163513},{"word":"do","start":831.72,"end":831.95996,"confidence":0.33538195,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2411617934703827},{"word":"wanna","start":831.95996,"end":832.2,"confidence":0.9208933,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.29181352257728577},{"word":"just","start":832.2,"end":832.36,"confidence":0.99884737,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2507777214050293},{"word":"look","start":832.36,"end":832.51996,"confidence":0.99974555,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.251516729593277},{"word":"at","start":832.51996,"end":832.6,"confidence":0.9996791,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.24067679047584536},{"word":"the","start":832.6,"end":832.76,"confidence":0.99966145,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2714989185333252},{"word":"investment","start":832.76,"end":833.16,"confidence":0.98546,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1607864499092102},{"word":"side","start":833.16,"end":833.32,"confidence":0.99352854,"punctuated_word":"side","sentiment":"neutral","sentiment_score":0.1307380199432373},{"word":"of","start":833.32,"end":833.39996,"confidence":0.9994816,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.22140008211135864},{"word":"things","start":833.39996,"end":833.64,"confidence":0.99962795,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.15572434663772583},{"word":"and","start":833.64,"end":833.8,"confidence":0.9497088,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15851294994354248},{"word":"getting","start":833.8,"end":834.04,"confidence":0.99933845,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.15016430616378784},{"word":"rid","start":834.04,"end":834.12,"confidence":0.9999149,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":0.11202766001224518},{"word":"of","start":834.12,"end":834.27997,"confidence":0.9996847,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3345213830471039},{"word":"it","start":834.27997,"end":834.36,"confidence":0.99957615,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.17737525701522827},{"word":"at","start":834.36,"end":834.44,"confidence":0.9994824,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2345457226037979},{"word":"the","start":834.44,"end":834.6,"confidence":0.99641186,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26537081599235535},{"word":"end","start":834.6,"end":834.68,"confidence":0.9998599,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.2220882922410965},{"word":"of","start":834.68,"end":834.76,"confidence":0.99973804,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.339130163192749},{"word":"the","start":834.76,"end":834.83997,"confidence":0.99912256,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27890095114707947},{"word":"day","start":834.83997,"end":835.33997,"confidence":0.9995791,"punctuated_word":"day.","sentiment":"neutral","sentiment_score":0.18057790398597717},{"word":"not","start":837.64,"end":837.8,"confidence":0.99426913,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.5035474300384521},{"word":"a","start":837.8,"end":837.88,"confidence":0.99966526,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.40910935401916504},{"word":"problem","start":837.88,"end":838.12,"confidence":0.99982065,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.3628333508968353},{"word":"at","start":838.12,"end":838.27997,"confidence":0.9996619,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.3947412371635437},{"word":"all","start":838.27997,"end":838.44,"confidence":0.98406214,"punctuated_word":"all,","sentiment":"positive","sentiment_score":0.48073363304138184},{"word":"daniel","start":838.44,"end":838.76,"confidence":0.9933171,"punctuated_word":"Daniel.","sentiment":"positive","sentiment_score":0.452542781829834},{"word":"well","start":838.76,"end":838.83997,"confidence":0.9260645,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.5819942951202393},{"word":"thanks","start":838.83997,"end":839.0,"confidence":0.9991953,"punctuated_word":"thanks","sentiment":"positive","sentiment_score":0.7498444318771362},{"word":"for","start":839.0,"end":839.16,"confidence":0.99949205,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7020984888076782},{"word":"your","start":839.16,"end":839.32,"confidence":0.9966612,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.6804757118225098},{"word":"time","start":839.32,"end":839.48,"confidence":0.9968004,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.701524019241333},{"word":"we'll","start":839.48,"end":839.64,"confidence":0.746372,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.40074580907821655},{"word":"send","start":839.64,"end":839.8,"confidence":0.9901472,"punctuated_word":"send","sentiment":"positive","sentiment_score":0.4229681193828583},{"word":"that","start":839.8,"end":840.04,"confidence":0.9941023,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2623259723186493},{"word":"email","start":840.04,"end":840.36,"confidence":0.99785006,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.28324490785598755},{"word":"after","start":840.36,"end":840.51996,"confidence":0.98312944,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.20855256915092468},{"word":"this","start":840.51996,"end":840.76,"confidence":0.99972564,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.25480854511260986},{"word":"call","start":840.76,"end":841.0,"confidence":0.7534373,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.26725149154663086},{"word":"but","start":841.0,"end":841.16,"confidence":0.99949145,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.13605189323425293},{"word":"anything","start":841.16,"end":841.48,"confidence":0.9988961,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.0884055569767952},{"word":"else","start":841.48,"end":841.72,"confidence":0.97903216,"punctuated_word":"else,","sentiment":"neutral","sentiment_score":0.08937511593103409},{"word":"feel","start":841.72,"end":841.88,"confidence":0.9966286,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":0.1663464456796646},{"word":"free","start":841.88,"end":842.12,"confidence":0.99977905,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.17495039105415344},{"word":"to","start":842.12,"end":842.2,"confidence":0.9972568,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14596351981163025},{"word":"email","start":842.2,"end":842.44,"confidence":0.9995813,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1243368163704872},{"word":"in","start":842.44,"end":842.68,"confidence":0.8692094,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10047472268342972},{"word":"or","start":842.68,"end":842.76,"confidence":0.93692553,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.10546444356441498},{"word":"get","start":842.76,"end":842.92,"confidence":0.9993093,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1435549557209015},{"word":"in","start":842.92,"end":843.08,"confidence":0.9984773,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1518479585647583},{"word":"contact","start":843.08,"end":843.39996,"confidence":0.9996264,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":0.1643732786178589},{"word":"with","start":843.39996,"end":843.56,"confidence":0.9985933,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.20184893906116488},{"word":"us","start":843.56,"end":843.72,"confidence":0.79599744,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.17280983924865723},{"word":"or","start":843.72,"end":843.8,"confidence":0.64396995,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1284361034631729},{"word":"if","start":843.8,"end":843.88,"confidence":0.999411,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16596046090126038},{"word":"you","start":843.88,"end":843.95996,"confidence":0.9986362,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22603732347488403},{"word":"do","start":843.95996,"end":844.12,"confidence":0.9983278,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19578169286251068},{"word":"wanna","start":844.12,"end":844.44,"confidence":0.9678918,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.20198330283164975},{"word":"look","start":844.44,"end":844.51996,"confidence":0.99553263,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.12921999394893646},{"word":"at","start":844.51996,"end":844.68,"confidence":0.9974222,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.18720391392707825},{"word":"some","start":844.68,"end":844.83997,"confidence":0.9970203,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.179408997297287},{"word":"other","start":844.83997,"end":845.08,"confidence":0.9984479,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.13672161102294922},{"word":"investment","start":845.08,"end":845.58,"confidence":0.9941545,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.14059990644454956},{"word":"options","start":848.1629,"end":848.3229,"confidence":0.98705363,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.13086792826652527},{"word":"there","start":848.3229,"end":848.48285,"confidence":0.3862029,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.27382969856262207},{"word":"you","start":848.48285,"end":848.56287,"confidence":0.38311172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27864474058151245},{"word":"go","start":848.56287,"end":848.6429,"confidence":0.79665625,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.3330003619194031},{"word":"mate","start":848.6429,"end":848.9629,"confidence":0.9447979,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.3845211863517761},{"word":"well","start":848.9629,"end":849.0429,"confidence":0.9975656,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.5194500684738159},{"word":"thanks","start":849.0429,"end":849.2829,"confidence":0.9981725,"punctuated_word":"thanks","sentiment":"positive","sentiment_score":0.7657873630523682},{"word":"for","start":849.2829,"end":849.36285,"confidence":0.99927956,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7941126227378845},{"word":"your","start":849.36285,"end":849.4429,"confidence":0.99605846,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7343933582305908},{"word":"time","start":849.4429,"end":849.6029,"confidence":0.9930606,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.7196658849716187},{"word":"i'll","start":849.6029,"end":849.7629,"confidence":0.8659345,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4693165719509125},{"word":"catch","start":849.7629,"end":849.92285,"confidence":0.9998963,"punctuated_word":"catch","sentiment":"positive","sentiment_score":0.5758606791496277},{"word":"you","start":849.92285,"end":850.00287,"confidence":0.9974015,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.49055060744285583},{"word":"later","start":850.00287,"end":850.4029,"confidence":0.99804866,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.47014397382736206},{"word":"bye","start":850.4029,"end":850.9029,"confidence":0.9947053,"punctuated_word":"Bye.","sentiment":"positive","sentiment_score":0.5210848450660706}],"paragraphs":{"transcript":"\nGood afternoon, Daniel. It's Paul calling from ICU Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I just scheduled in for a bit of a catch up. Yep. Yep. Yeah.\n\nI know what you mean. Just before I discuss your your personal details, I don't know if I could just pass you through security there with that name, date of birth, and current address. Perfect. Thank you for that one. Yeah.\n\nSo within regards to that one, because you have paid off the mortgage, you would be paying obviously, tax on the rent because, you know, offsetting any sort of debt. So what you'd be talking about is, like, selling and then purchasing another property basically to negatively gear again. So in term obviously, with the current market and the way interest rates are going, it's sort of probably be worth chatting to a mortgage broker and what they sort of see the market's doing with that one in terms of, like, a, you know, growth perspective in getting return on capital and in regards to paying down the debt. You're right. In terms of, like, having good debt through another property and potentially upgrading your investment property or even in the sense that you could look at potentially just using the equity in your your current home or the investment property to purchase another property as well with that one.\n\nSo that's the old sort of questions in regards to that because, obviously, when selling and buying, you've got to worry about the capital gains that you'd be paying on the property plus yeah. And then what would you pay for that originally? Yes. So with that, even owning it for over the the twelve year twelve month mark, you get, like, a CDT discount, but then it's proportionated as well for how long it was a primary residence versus what was an investment property. Okay.\n\nSo, yeah, there there might not be a whole lot of CPT payable on that one. But, again, that's sort of more of a mortgage broker's realm in terms of, like, what you could sell it for, what the market's looking like, where you'd wanna buy. And with the it yep. Yeah. Yeah.\n\nAnd then, like, with that, those are sort of, like, questions obviously in regards to what a mortgage broker might think in terms of, like, the what the markets might do. The, obviously, short term things with that, if you were to sell it, you're right in the sense that you wouldn't be paying any sort of tax on the the rental income. But then the only thing you'd be getting as a return is how much that property or, like, money offsets your primary residence. I'm not too sure if you're on a or a variable at the moment, but that's the sort of money that you'd be somewhat invested is in reducing that debt and lowering that effective interest repayment that you're paying on the primary residence as opposed to, you know, generating that passive income through that property and then whatever capital value you get out of that property as well if it was to still increase moving forward. Yeah.\n\nIt's yeah. It is sort of a double edged sword either way you go. Like, obviously, the benefit is is you're not paying as much on your primary residence. You can probably ease the the cost of living at the moment. In relation to that as well, you probably might, depending on where you're sort of located, struggle to find a buyer for what you want given that, you know, the interest rate and inflation is going up, cost of living is going up.\n\nAnd, yeah, at least with attending there, although you are paying tax, you like, you're making money at the end of the day. Plus if you hold that long term, the benefit of that is, obviously, you know, you've held it, you know, since you were 17. It's gone from 68 to $4.50. So even if it did take a decrease after, you know, the events that happen with inflation rising, there is a chance, you know, if you do hold it for the next sort of ten or so years, that it's still gonna be up from where it is now as a property investment. And then, yeah, there is the option if you can sort of service a future loan just having another investment property in your name to if your main concern was, you know, the amount of income you're bringing in versus the taxes that you're offsetting.\n\nSo there's, yeah, there's a few different options there for you in terms of, like, the way you can look at it and then what you sort of value more. And then we can even refer you on to a mortgage broker and sort of get an opinion based on the markets and what they think or maybe what you can get for it and what maybe is out there in terms of if you did wanna look at buying again. Yep. And from, like, obviously, you know, the few different things there, if you like, is there one that sort of jumps out to you more? Is there one that sort of you feel like?\n\nYep. Yeah. Like, the commercial space? Yeah. Because even then, like, when you have a discussion with a mortgage broker, can they can sort of even let you know your serviceability of a new loan, what that might look like based on your current situation then versus, like, selling the property as well and then what that sort of looks like.\n\nBecause, obviously, in terms of, like, your income versus what you're saving, as a household, you've got quite a number of savings sitting there as well. So you're obviously, based on your current situation, able to to pay your current mortgage repayments. So even then, it becomes a matter of fact of, like, if you did sell that property, put it on the the primary residence and you aren't sort of doing anything like that, you're gonna have a bit more disposable income. And will you be putting that towards the mortgage more future investments, or will you just sort of, you know, up your spending a little bit as well, which tends to happen when you got a bit more free cash flow? So those are all things to to consider.\n\nWe can obviously make that referral. I'll email through a referral to a local mortgage broker we've got here just with your general situation, what you might be looking to do, and you can have a discussion with them to see how, yeah, you might wanna work things if you feel like it might be in your favor. Obviously, in regards to if your main concern is, you know, offsetting that and having something negatively geared, the only sort of way to do that potentially is just to have another investment of sort of a high capital investment property. And if you did wanna just sort of sell it, not worry about it, and not be invested in in property for a while, you can have a discussion with us about potential, like just investment IDPS accounts or, you know, setting up a few things for the children for their future, like some investment bonds, things like that, or something for, like, an earlier sort of retirement and having that invested in, like, a tax effective manner to be drawn down on in, like, 10 when you're sitting hitting around that 55 mark and maybe you wanna do, you know, a trip to to Italy before you you're too old and don't wanna sort of walk the the steps you do over there.\n\nBut I'll pass that along. And then if after you have a conversation, then wanna have another chat and around the potential options you've got there once you get that information. Because, obviously, in regards to the the market and the actual property space, they'd be able to give you a better indication of what you might be able to sell for with everything going on and everything as well. And then, also, they could potentially look at, like, a a refinance and things like that. But, obviously, with the current market and the interest rate, everything going up might not be the the best time, but that might be a yeah.\n\nYeah. Well, it just it's just one of those things like you've you've paid it off. It's you're still getting capital growth out of it. Obviously, if it takes a little bit of a dip with what's currently happening, it doesn't matter if you're still planning on holding it long term and you are still getting an income out of that. Another option, obviously, with your your self employed business and things like that is just upping, you know, your expansion expenditure to where you're not earning as much as a self employed person, and you're getting a bit of more growth out of your your business because you don't have any debt currently in that.\n\nSo that potentially could be something you could have a discussion with your accountant on how much you wanna potentially grow that. And if, you know, upping the expenditure a little bit offsets that income that you are earning from the investment property and you get a little bit of expansion out of your business, whether that be building a shed or things like that for the growth of your company. Yeah. So there's definitely like, there's no no one way about it. It sort of depends what you do wanna achieve.\n\nAnd if you sort of just comfortable, you know, selling and having on the mortgage, that's one thing versus, like, other ways to sort of potentially keep it and maybe just keep leveraging a little bit more given the current times there as well. But I'll make that referral through. You can have a discussion with them about what you potentially wanna do. And then if you, you know, make up your mind or if you have a discussion with your account and you don't wanna sort of build on your your business much more and lowering that income or drawing a bit less because, obviously, being self employed, whatever you earn is, you know, that what you take home income is. Whereas if you're spending it, it's an expense at that point to growing your business.\n\nNot a problem. Well, is there any other questions you've got in regards to that at all? Yeah. Obviously, like, it probably just broadened what you had to think about a little bit more. But yeah.\n\nAnd then you can have a chat with your your partner and potentially how you wanna move forward with that and what you're comfortable with because it's not all at the end of the day, it's not all about, you know, saving saving on tax. It's probably you gotta think long term as well. Yeah. Because with that, you're obviously diversified across a couple of properties. It's all in the primary residence.\n\nYou know, if anything happens, you've like, that's just where you live at the end of the day. It's not like you can sell that one. Worst case scenario, and you can definitely still afford to keep it even if you are paying a little bit more tax at the the moment. And like you said, yeah, like you said, that your kids might want a bit of extra room once they get a bit older as well down the track. But, yeah, definitely plenty of other ways.\n\nThe mortgage broker might give you a little bit more information potentially about and just leverage that and then taking on a bit more more debt if that's the way you sort of wanna work it. And then, yeah, you can have a discussion with your account, and they'll come back to us if you do wanna just look at the investment side of things and getting rid of it at the end of the day. Not a problem at all, Daniel. Well, thanks for your time. We'll send that email after this call.\n\nBut anything else, feel free to email in or get in contact with us or if you do wanna look at some other investment options. There you go, mate. Well, thanks for your time. I'll catch you later. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Daniel.","start":2.56,"end":3.36,"sentiment":"neutral","sentiment_score":0.26883159081141156},{"text":"It's Paul calling from ICU Financial.","start":3.36,"end":4.96,"sentiment":"neutral","sentiment_score":0.2140821491678556},{"text":"How are you today?","start":4.96,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2485739141702652},{"text":"Yeah.","start":7.68,"end":8.0,"sentiment":"neutral","sentiment_score":0.2577267587184906},{"text":"Not too bad at all.","start":8.0,"end":8.72,"sentiment":"neutral","sentiment_score":0.332552969455719}],"sentiment":"neutral","sentiment_score":0.2634618384273429,"num_words":19,"start":2.56,"end":8.72},{"sentences":[{"text":"Thanks for asking.","start":8.72,"end":9.44,"sentiment":"positive","sentiment_score":0.6642708977063497},{"text":"I just scheduled in for a bit of a catch up.","start":9.44,"end":11.38,"sentiment":"neutral","sentiment_score":0.28299720314416016},{"text":"Yep.","start":18.095001,"end":18.595001,"sentiment":"neutral","sentiment_score":-0.05299331992864609},{"text":"Yep.","start":49.58,"end":50.08,"sentiment":"neutral","sentiment_score":-0.012457693926990032},{"text":"Yeah.","start":51.100002,"end":51.600002,"sentiment":"neutral","sentiment_score":-0.015434551984071732}],"sentiment":"neutral","sentiment_score":0.29558213893324137,"num_words":17,"start":8.72,"end":51.600002},{"sentences":[{"text":"I know what you mean.","start":51.66,"end":52.460003,"sentiment":"neutral","sentiment_score":-0.04307882748544216},{"text":"Just before I discuss your your personal details, I don't know if I could just pass you through security there with that name, date of birth, and current address.","start":52.460003,"end":58.56,"sentiment":"neutral","sentiment_score":-0.01974146742502163},{"text":"Perfect.","start":67.435,"end":67.835,"sentiment":"positive","sentiment_score":0.5560610890388489},{"text":"Thank you for that one.","start":67.835,"end":69.055,"sentiment":"positive","sentiment_score":0.6461840867996216},{"text":"Yeah.","start":70.235,"end":70.475,"sentiment":"neutral","sentiment_score":0.04264303296804428}],"sentiment":"neutral","sentiment_score":0.07418848446956496,"num_words":41,"start":51.66,"end":70.475},{"sentences":[{"text":"So within regards to that one, because you have paid off the mortgage, you would be paying obviously, tax on the rent because, you know, offsetting any sort of debt.","start":70.475,"end":79.85,"sentiment":"neutral","sentiment_score":-0.12579787174860638},{"text":"So what you'd be talking about is, like, selling and then purchasing another property basically to negatively gear again.","start":79.909996,"end":87.689995,"sentiment":"neutral","sentiment_score":-0.31299417740420293},{"text":"So in term obviously, with the current market and the way interest rates are going, it's sort of probably be worth chatting to a mortgage broker and what they sort of see the market's doing with that one in terms of, like, a, you know, growth perspective in getting return on capital and in regards to paying down the debt.","start":93.785,"end":111.97,"sentiment":"neutral","sentiment_score":-0.016382500094672046},{"text":"You're right.","start":111.97,"end":112.28999,"sentiment":"neutral","sentiment_score":0.06589192990213633},{"text":"In terms of, like, having good debt through another property and potentially upgrading your investment property or even in the sense that you could look at potentially just using the equity in your your current home or the investment property to purchase another property as well with that one.","start":112.28999,"end":132.21,"sentiment":"positive","sentiment_score":0.3343433845712214}],"sentiment":"neutral","sentiment_score":0.03631771359359846,"num_words":160,"start":70.475,"end":132.21},{"sentences":[{"text":"So that's the old sort of questions in regards to that because, obviously, when selling and buying, you've got to worry about the capital gains that you'd be paying on the property plus yeah.","start":133.15,"end":150.57501,"sentiment":"neutral","sentiment_score":-0.16998724310713656},{"text":"And then what would you pay for that originally?","start":150.57501,"end":152.99501,"sentiment":"neutral","sentiment_score":-0.08307681977748871},{"text":"Yes.","start":158.03,"end":158.27,"sentiment":"neutral","sentiment_score":0.094174362719059},{"text":"So with that, even owning it for over the the twelve year twelve month mark, you get, like, a CDT discount, but then it's proportionated as well for how long it was a primary residence versus what was an investment property.","start":158.27,"end":173.38501,"sentiment":"neutral","sentiment_score":0.0848393133591588},{"text":"Okay.","start":180.32501,"end":180.82501,"sentiment":"neutral","sentiment_score":-0.01431257277727127}],"sentiment":"neutral","sentiment_score":-0.03452306983689236,"num_words":86,"start":133.15,"end":180.82501},{"sentences":[{"text":"So, yeah, there there might not be a whole lot of CPT payable on that one.","start":181.71,"end":186.53,"sentiment":"neutral","sentiment_score":-0.1407406940124929},{"text":"But, again, that's sort of more of a mortgage broker's realm in terms of, like, what you could sell it for, what the market's looking like, where you'd wanna buy.","start":187.31,"end":194.69,"sentiment":"neutral","sentiment_score":-0.03756585121154785},{"text":"And with the it yep.","start":195.39,"end":207.505,"sentiment":"neutral","sentiment_score":-0.27385627627372744},{"text":"Yeah.","start":214.54001,"end":215.04001,"sentiment":"neutral","sentiment_score":-0.15421822667121887},{"text":"Yeah.","start":220.71501,"end":221.115,"sentiment":"neutral","sentiment_score":-0.09770548343658449}],"sentiment":"neutral","sentiment_score":-0.09434022135892005,"num_words":53,"start":181.71,"end":221.115},{"sentences":[{"text":"And then, like, with that, those are sort of, like, questions obviously in regards to what a mortgage broker might think in terms of, like, the what the markets might do.","start":221.115,"end":227.77501,"sentiment":"neutral","sentiment_score":-0.11917150357077198},{"text":"The, obviously, short term things with that, if you were to sell it, you're right in the sense that you wouldn't be paying any sort of tax on the the rental income.","start":228.155,"end":235.81,"sentiment":"neutral","sentiment_score":-0.05502913775853813},{"text":"But then the only thing you'd be getting as a return is how much that property or, like, money offsets your primary residence.","start":235.81,"end":242.45,"sentiment":"neutral","sentiment_score":0.13946821378624957},{"text":"I'm not too sure if you're on a or a variable at the moment, but that's the sort of money that you'd be somewhat invested is in reducing that debt and lowering that effective interest repayment that you're paying on the primary residence as opposed to, you know, generating that passive income through that property and then whatever capital value you get out of that property as well if it was to still increase moving forward.","start":242.45,"end":269.06998,"sentiment":"neutral","sentiment_score":0.1696718651311178},{"text":"Yeah.","start":278.185,"end":278.505,"sentiment":"neutral","sentiment_score":-0.02519872784614563}],"sentiment":"neutral","sentiment_score":0.06516799337567727,"num_words":163,"start":221.115,"end":278.505},{"sentences":[{"text":"It's yeah.","start":278.505,"end":279.145,"sentiment":"neutral","sentiment_score":-0.02482231706380844},{"text":"It is sort of a double edged sword either way you go.","start":279.145,"end":281.625,"sentiment":"neutral","sentiment_score":-0.09575368463993073},{"text":"Like, obviously, the benefit is is you're not paying as much on your primary residence.","start":281.625,"end":285.385,"sentiment":"neutral","sentiment_score":0.19319654603799183},{"text":"You can probably ease the the cost of living at the moment.","start":285.385,"end":288.74002,"sentiment":"neutral","sentiment_score":0.23914066515862942},{"text":"In relation to that as well, you probably might, depending on where you're sort of located, struggle to find a buyer for what you want given that, you know, the interest rate and inflation is going up, cost of living is going up.","start":288.88,"end":304.645,"sentiment":"neutral","sentiment_score":0.00223792907457019}],"sentiment":"neutral","sentiment_score":0.055537836581823374,"num_words":84,"start":278.505,"end":304.645},{"sentences":[{"text":"And, yeah, at least with attending there, although you are paying tax, you like, you're making money at the end of the day.","start":304.645,"end":311.54498,"sentiment":"positive","sentiment_score":0.347976711133252},{"text":"Plus if you hold that long term, the benefit of that is, obviously, you know, you've held it, you know, since you were 17.","start":312.565,"end":318.97,"sentiment":"neutral","sentiment_score":0.3039386762926976},{"text":"It's gone from 68 to $4.50.","start":318.97,"end":321.13,"sentiment":"neutral","sentiment_score":0.30893439054489136},{"text":"So even if it did take a decrease after, you know, the events that happen with inflation rising, there is a chance, you know, if you do hold it for the next sort of ten or so years, that it's still gonna be up from where it is now as a property investment.","start":321.13,"end":336.01663,"sentiment":"neutral","sentiment_score":0.16685746596106943},{"text":"And then, yeah, there is the option if you can sort of service a future loan just having another investment property in your name to if your main concern was, you know, the amount of income you're bringing in versus the taxes that you're offsetting.","start":336.01663,"end":348.73,"sentiment":"neutral","sentiment_score":0.15215822963251008}],"sentiment":"neutral","sentiment_score":0.21749778119045377,"num_words":151,"start":304.645,"end":348.73},{"sentences":[{"text":"So there's, yeah, there's a few different options there for you in terms of, like, the way you can look at it and then what you sort of value more.","start":351.99,"end":359.685,"sentiment":"neutral","sentiment_score":0.276902740697066},{"text":"And then we can even refer you on to a mortgage broker and sort of get an opinion based on the markets and what they think or maybe what you can get for it and what maybe is out there in terms of if you did wanna look at buying again.","start":359.685,"end":370.745,"sentiment":"neutral","sentiment_score":0.2555119970849916},{"text":"Yep.","start":377.96002,"end":378.46002,"sentiment":"neutral","sentiment_score":0.05015025660395622},{"text":"And from, like, obviously, you know, the few different things there, if you like, is there one that sort of jumps out to you more?","start":386.935,"end":393.01498,"sentiment":"neutral","sentiment_score":0.07862597584724426},{"text":"Is there one that sort of you feel like?","start":393.01498,"end":395.595,"sentiment":"neutral","sentiment_score":0.010032249200675223}],"sentiment":"neutral","sentiment_score":0.20210589627446285,"num_words":116,"start":351.99,"end":395.595},{"sentences":[{"text":"Yep.","start":408.79498,"end":409.29498,"sentiment":"neutral","sentiment_score":-0.06145184487104416},{"text":"Yeah.","start":420.78,"end":421.28,"sentiment":"neutral","sentiment_score":-0.24891430139541623},{"text":"Like, the commercial space?","start":434.715,"end":436.175,"sentiment":"neutral","sentiment_score":-0.22093846648931503},{"text":"Yeah.","start":454.00998,"end":454.50998,"sentiment":"neutral","sentiment_score":0.04835302382707596},{"text":"Because even then, like, when you have a discussion with a mortgage broker, can they can sort of even let you know your serviceability of a new loan, what that might look like based on your current situation then versus, like, selling the property as well and then what that sort of looks like.","start":455.44998,"end":470.085,"sentiment":"neutral","sentiment_score":0.05405352536278466}],"sentiment":"neutral","sentiment_score":0.02906759641301192,"num_words":61,"start":408.79498,"end":470.085},{"sentences":[{"text":"Because, obviously, in terms of, like, your income versus what you're saving, as a household, you've got quite a number of savings sitting there as well.","start":470.085,"end":478.28,"sentiment":"neutral","sentiment_score":0.1301083953048174},{"text":"So you're obviously, based on your current situation, able to to pay your current mortgage repayments.","start":478.42,"end":483.72,"sentiment":"neutral","sentiment_score":0.14613765524700284},{"text":"So even then, it becomes a matter of fact of, like, if you did sell that property, put it on the the primary residence and you aren't sort of doing anything like that, you're gonna have a bit more disposable income.","start":485.475,"end":493.79498,"sentiment":"neutral","sentiment_score":0.009246034365965099},{"text":"And will you be putting that towards the mortgage more future investments, or will you just sort of, you know, up your spending a little bit as well, which tends to happen when you got a bit more free cash flow?","start":493.79498,"end":503.28,"sentiment":"neutral","sentiment_score":0.06659603764007731},{"text":"So those are all things to to consider.","start":505.97998,"end":507.84,"sentiment":"neutral","sentiment_score":0.1340032098814845}],"sentiment":"neutral","sentiment_score":0.07501948025134025,"num_words":132,"start":470.085,"end":507.84},{"sentences":[{"text":"We can obviously make that referral.","start":508.62,"end":510.37997,"sentiment":"neutral","sentiment_score":0.31023139258225757},{"text":"I'll email through a referral to a local mortgage broker we've got here just with your general situation, what you might be looking to do, and you can have a discussion with them to see how, yeah, you might wanna work things if you feel like it might be in your favor.","start":510.37997,"end":524.095,"sentiment":"neutral","sentiment_score":0.1930325127278383},{"text":"Obviously, in regards to if your main concern is, you know, offsetting that and having something negatively geared, the only sort of way to do that potentially is just to have another investment of sort of a high capital investment property.","start":524.095,"end":538.08,"sentiment":"negative","sentiment_score":-0.47830744414794735},{"text":"And if you did wanna just sort of sell it, not worry about it, and not be invested in in property for a while, you can have a discussion with us about potential, like just investment IDPS accounts or, you know, setting up a few things for the children for their future, like some investment bonds, things like that, or something for, like, an earlier sort of retirement and having that invested in, like, a tax effective manner to be drawn down on in, like, 10 when you're sitting hitting around that 55 mark and maybe you wanna do, you know, a trip to to Italy before you you're too old and don't wanna sort of walk the the steps you do over there.","start":539.74,"end":573.075,"sentiment":"neutral","sentiment_score":0.24324259063934967}],"sentiment":"neutral","sentiment_score":0.10067513473791324,"num_words":223,"start":508.62,"end":573.075},{"sentences":[{"text":"But I'll pass that along.","start":577.875,"end":579.075,"sentiment":"neutral","sentiment_score":0.22181979417800904},{"text":"And then if after you have a conversation, then wanna have another chat and around the potential options you've got there once you get that information.","start":579.075,"end":585.395,"sentiment":"neutral","sentiment_score":0.21509060406914124},{"text":"Because, obviously, in regards to the the market and the actual property space, they'd be able to give you a better indication of what you might be able to sell for with everything going on and everything as well.","start":585.395,"end":594.31,"sentiment":"neutral","sentiment_score":0.31099649767080945},{"text":"And then, also, they could potentially look at, like, a a refinance and things like that.","start":598.29,"end":601.90497,"sentiment":"neutral","sentiment_score":-0.007669317536056042},{"text":"But, obviously, with the current market and the interest rate, everything going up might not be the the best time, but that might be a yeah.","start":601.90497,"end":609.20496,"sentiment":"neutral","sentiment_score":-0.18508121844094533}],"sentiment":"neutral","sentiment_score":0.12406694040899831,"num_words":112,"start":577.875,"end":609.20496},{"sentences":[{"text":"Yeah.","start":625.2,"end":625.7,"sentiment":"neutral","sentiment_score":-0.08531065285205841},{"text":"Well, it just it's just one of those things like you've you've paid it off.","start":625.76,"end":630.345,"sentiment":"neutral","sentiment_score":-0.06789131437738737},{"text":"It's you're still getting capital growth out of it.","start":630.345,"end":632.505,"sentiment":"neutral","sentiment_score":0.31539517309930587},{"text":"Obviously, if it takes a little bit of a dip with what's currently happening, it doesn't matter if you're still planning on holding it long term and you are still getting an income out of that.","start":632.505,"end":640.52,"sentiment":"neutral","sentiment_score":0.045293450465477586},{"text":"Another option, obviously, with your your self employed business and things like that is just upping, you know, your expansion expenditure to where you're not earning as much as a self employed person, and you're getting a bit of more growth out of your your business because you don't have any debt currently in that.","start":640.52,"end":656.23505,"sentiment":"positive","sentiment_score":0.3479416321624409}],"sentiment":"neutral","sentiment_score":0.19398474288855455,"num_words":116,"start":625.2,"end":656.23505},{"sentences":[{"text":"So that potentially could be something you could have a discussion with your accountant on how much you wanna potentially grow that.","start":656.375,"end":661.67505,"sentiment":"positive","sentiment_score":0.3626339537176219},{"text":"And if, you know, upping the expenditure a little bit offsets that income that you are earning from the investment property and you get a little bit of expansion out of your business, whether that be building a shed or things like that for the growth of your company.","start":662.375,"end":674.73,"sentiment":"positive","sentiment_score":0.4184313218812553},{"text":"Yeah.","start":681.765,"end":682.005,"sentiment":"neutral","sentiment_score":0.06376075744628906},{"text":"So there's definitely like, there's no no one way about it.","start":682.005,"end":685.365,"sentiment":"neutral","sentiment_score":-0.07453922478651459},{"text":"It sort of depends what you do wanna achieve.","start":685.365,"end":687.845,"sentiment":"neutral","sentiment_score":-0.055215169158246785}],"sentiment":"neutral","sentiment_score":0.29595624474282173,"num_words":92,"start":656.375,"end":687.845},{"sentences":[{"text":"And if you sort of just comfortable, you know, selling and having on the mortgage, that's one thing versus, like, other ways to sort of potentially keep it and maybe just keep leveraging a little bit more given the current times there as well.","start":687.845,"end":700.10004,"sentiment":"neutral","sentiment_score":-0.004893976179036227},{"text":"But I'll make that referral through.","start":700.10004,"end":701.38,"sentiment":"neutral","sentiment_score":0.01851519150659442},{"text":"You can have a discussion with them about what you potentially wanna do.","start":701.38,"end":704.26,"sentiment":"neutral","sentiment_score":0.08455152293810478},{"text":"And then if you, you know, make up your mind or if you have a discussion with your account and you don't wanna sort of build on your your business much more and lowering that income or drawing a bit less because, obviously, being self employed, whatever you earn is, you know, that what you take home income is.","start":704.26,"end":719.045,"sentiment":"neutral","sentiment_score":-0.04685154683509116},{"text":"Whereas if you're spending it, it's an expense at that point to growing your business.","start":719.045,"end":724.95996,"sentiment":"neutral","sentiment_score":-0.09611781463027}],"sentiment":"neutral","sentiment_score":-0.02343855830194959,"num_words":137,"start":687.845,"end":724.95996},{"sentences":[{"text":"Not a problem.","start":734.155,"end":735.055,"sentiment":"positive","sentiment_score":0.3820416529973348},{"text":"Well, is there any other questions you've got in regards to that at all?","start":735.275,"end":738.335,"sentiment":"neutral","sentiment_score":0.11732453746455056},{"text":"Yeah.","start":751.53,"end":752.01,"sentiment":"neutral","sentiment_score":0.08943641185760498},{"text":"Obviously, like, it probably just broadened what you had to think about a little bit more.","start":752.01,"end":756.41003,"sentiment":"neutral","sentiment_score":0.048260318115353584},{"text":"But yeah.","start":756.41003,"end":759.395,"sentiment":"neutral","sentiment_score":0.22426285594701767}],"sentiment":"neutral","sentiment_score":0.11385543603036138,"num_words":36,"start":734.155,"end":759.395},{"sentences":[{"text":"And then you can have a chat with your your partner and potentially how you wanna move forward with that and what you're comfortable with because it's not all at the end of the day, it's not all about, you know, saving saving on tax.","start":759.395,"end":769.315,"sentiment":"neutral","sentiment_score":0.29790221386485627},{"text":"It's probably you gotta think long term as well.","start":769.315,"end":771.735,"sentiment":"neutral","sentiment_score":0.19222870137956408},{"text":"Yeah.","start":787.205,"end":787.605,"sentiment":"neutral","sentiment_score":0.11993139982223512},{"text":"Because with that, you're obviously diversified across a couple of properties.","start":787.605,"end":790.485,"sentiment":"neutral","sentiment_score":0.12952440028840845},{"text":"It's all in the primary residence.","start":790.485,"end":791.84503,"sentiment":"neutral","sentiment_score":0.11932043979565303}],"sentiment":"neutral","sentiment_score":0.24161500525143412,"num_words":72,"start":759.395,"end":791.84503},{"sentences":[{"text":"You know, if anything happens, you've like, that's just where you live at the end of the day.","start":791.84503,"end":795.605,"sentiment":"neutral","sentiment_score":0.10166629114084774},{"text":"It's not like you can sell that one.","start":795.605,"end":796.965,"sentiment":"neutral","sentiment_score":-0.15152376424521208},{"text":"Worst case scenario, and you can definitely still afford to keep it even if you are paying a little bit more tax at the the moment.","start":796.965,"end":803.02997,"sentiment":"neutral","sentiment_score":-0.13964424683497503},{"text":"And like you said, yeah, like you said, that your kids might want a bit of extra room once they get a bit older as well down the track.","start":806.93,"end":813.99,"sentiment":"neutral","sentiment_score":0.14592905548112145},{"text":"But, yeah, definitely plenty of other ways.","start":818.705,"end":820.145,"sentiment":"neutral","sentiment_score":0.1492769249847957}],"sentiment":"neutral","sentiment_score":0.025726520371708004,"num_words":88,"start":791.84503,"end":820.145},{"sentences":[{"text":"The mortgage broker might give you a little bit more information potentially about and just leverage that and then taking on a bit more more debt if that's the way you sort of wanna work it.","start":820.145,"end":828.385,"sentiment":"neutral","sentiment_score":0.15920303234209618},{"text":"And then, yeah, you can have a discussion with your account, and they'll come back to us if you do wanna just look at the investment side of things and getting rid of it at the end of the day.","start":828.385,"end":835.33997,"sentiment":"neutral","sentiment_score":0.2702224936336279},{"text":"Not a problem at all, Daniel.","start":837.64,"end":838.76,"sentiment":"positive","sentiment_score":0.433917964498202},{"text":"Well, thanks for your time.","start":838.76,"end":839.48,"sentiment":"positive","sentiment_score":0.6831873893737793},{"text":"We'll send that email after this call.","start":839.48,"end":841.0,"sentiment":"neutral","sentiment_score":0.29998534492083956}],"sentiment":"neutral","sentiment_score":0.2623356495528145,"num_words":94,"start":820.145,"end":841.0},{"sentences":[{"text":"But anything else, feel free to email in or get in contact with us or if you do wanna look at some other investment options.","start":841.0,"end":848.3229,"sentiment":"neutral","sentiment_score":0.15152100443840028},{"text":"There you go, mate.","start":848.3229,"end":848.9629,"sentiment":"neutral","sentiment_score":0.31749899685382843},{"text":"Well, thanks for your time.","start":848.9629,"end":849.6029,"sentiment":"positive","sentiment_score":0.7066818594932556},{"text":"I'll catch you later.","start":849.6029,"end":850.4029,"sentiment":"positive","sentiment_score":0.5014679580926895},{"text":"Bye.","start":850.4029,"end":850.9029,"sentiment":"positive","sentiment_score":0.5210848450660706}],"sentiment":"neutral","sentiment_score":0.28508684803278017,"num_words":39,"start":841.0,"end":850.9029}]}}]},{"alternatives":[{"transcript":"Hello? Good afternoon. Good call. Hey, buddy. Yeah. Yeah. It was just a question. When we were talking about the rental, the account, it sort of said that going a little bit backwards because we're paying mostly tax on the rent. So he didn't actually try to sell it. He said, I'm not telling you to sell it, but he said, yeah, he sort of thought it'd be better off selling it, putting it on the mortgage, and then sort of maybe rebullying and making that a bit more of a positive debt. If you sort of get me Yep. Yep. Yep. Daniel Patrick Mullins. 769981 And 83 Moslems Lane, Manildra. Yeah. Yeah. Would that be would give us a that'd be the best audio. Yep. Yeah. Okay. Well, I shouldn't. Should I because of I sort of I've owned that since I was seven. 68, I think. Oh, well well, I'm well, I'm forty forty five this year, and we only moved out of it last year. Yeah. Yep. Well, I probably wouldn't buy straight away. Like, it's not I'm not like, it's not we just yeah. See what this all these bloody situations doing. Look with, you know, the fuel and the cost of living will probably go up. And then maybe the price of property might go down too. Like, you don't know. Yep. Yep. Yeah. Yes. Yeah. Okay. Win win. Oh, a win loss over otherwise, isn't it? Yep. Well, that's alright. Yeah. That would be the next. Yep. Yes. Yep. Yep. Yep. That's it. Yeah. I don't think we'd I don't reckon we'd leave it, like, twelve months or anything. But, yeah, there's a couple of options I've thought of, but yes. Well well, I was talking to a mate, and he's got just a problem at worst with him. And he's actually sold all these houses and gone into sort of industrial shed. You know? And there's no upkeep, but he gets good return as a rental. And yeah. Like, what's the worst I can do? Put a dent in the sheet. And I was sort of thinking down that alley, like, get rid of this, take off whatever would it takes off the mortgage and maybe chase something down that avenue. I'm not sure. Yeah. Yeah. Where where they lock because I I can build a build a shed and and I can do this concreting. I could yeah. If I bought a block and done went down that alley. I'm It'd be up in a home. I'm not not a 100% sure. But yep. Okay. Yep. Yep. Yes. Yeah. Yep. Yep. Okay. Yeah. Yeah. Yes. Yeah. The last one. Yes. That's very true. Yeah. Okay. Yep. Yeah. Okay. I know the drama. Well, in the best interest yeah. Like, I'd I'd probably I think, see what this all happened what all happened to you and and the settled panel got us crazy or I'd probably be mad to sort of get rid of it. Wouldn't Yep. Yep. Yeah. Fair enough. Yeah. For all my sales of it. No. Yeah. Okay. Yep. Yep. Yeah. Yep. Yeah. I'd be yeah. Probably would, but no. That'll be fine. No. Thanks for all this. Sort of summed it up and give me a bit yeah. I sort of thought that anyway, but I just want to yeah. Haven't haven't gone to you and see what your thoughts were. And Yeah. Oh, exactly. Yeah. Well, that was the whole reason I wanted to keep the house. So if we're in a situation, we could've left it to the kids or that was our super or yeah, that was my end plan, really. Yeah. Yeah. Hi, Thomas. Well, that's good. That was the the o d e. Yep. Okay. Hi, Thomas. Alright. Thanks, Cole. Yep. Okay. Not a drama at all. Okay. Thank you. See you.","confidence":0.9306988,"words":[{"word":"hello","start":1.28,"end":1.78,"confidence":0.93581355,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.04851830005645752},{"word":"good","start":3.12,"end":3.28,"confidence":0.5296066,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.33337393403053284},{"word":"afternoon","start":3.28,"end":3.78,"confidence":0.90463287,"punctuated_word":"afternoon.","sentiment":"neutral","sentiment_score":0.3150278329849243},{"word":"good","start":6.0,"end":6.24,"confidence":0.93966705,"punctuated_word":"Good","sentiment":"positive","sentiment_score":0.4822702407836914},{"word":"call","start":6.24,"end":6.48,"confidence":0.6153748,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.327467143535614},{"word":"hey","start":6.48,"end":6.72,"confidence":0.6718672,"punctuated_word":"Hey,","sentiment":"neutral","sentiment_score":0.25388196110725403},{"word":"buddy","start":6.72,"end":7.22,"confidence":0.97922814,"punctuated_word":"buddy.","sentiment":"neutral","sentiment_score":0.28703027963638306},{"word":"yeah","start":12.255,"end":12.495,"confidence":0.9969137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.041360992938280106},{"word":"yeah","start":12.495,"end":12.895,"confidence":0.993955,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.007178189232945442},{"word":"it","start":12.895,"end":12.975,"confidence":0.42507595,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.02694434300065041},{"word":"was","start":12.975,"end":13.215,"confidence":0.98490185,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.03245930001139641},{"word":"just","start":13.215,"end":13.455,"confidence":0.9915467,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04067928344011307},{"word":"a","start":13.455,"end":13.695001,"confidence":0.9810658,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04517370834946632},{"word":"question","start":13.695001,"end":14.195001,"confidence":0.9250355,"punctuated_word":"question.","sentiment":"neutral","sentiment_score":-0.04012049362063408},{"word":"when","start":14.735001,"end":14.895,"confidence":0.6103899,"punctuated_word":"When","sentiment":"neutral","sentiment_score":-0.10973362624645232},{"word":"we","start":14.895,"end":15.055,"confidence":0.9040969,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.08080519735813141},{"word":"were","start":15.055,"end":15.215,"confidence":0.6019803,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.08413837105035782},{"word":"talking","start":15.215,"end":15.535,"confidence":0.9992847,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.05256530642509461},{"word":"about","start":15.535,"end":15.775001,"confidence":0.9989993,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.06157118082046509},{"word":"the","start":15.775001,"end":16.275002,"confidence":0.9985783,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09198357164859772},{"word":"rental","start":17.535,"end":18.035,"confidence":0.80756557,"punctuated_word":"rental,","sentiment":"neutral","sentiment_score":-0.08129021525382996},{"word":"the","start":18.415,"end":18.655,"confidence":0.9804183,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.059183426201343536},{"word":"account","start":18.655,"end":18.975,"confidence":0.81578314,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":-0.06900651752948761},{"word":"it","start":18.975,"end":19.135,"confidence":0.80530655,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10430990159511566},{"word":"sort","start":19.135,"end":19.455,"confidence":0.9415477,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.12665997445583344},{"word":"of","start":19.455,"end":19.535,"confidence":0.87416685,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.11509723961353302},{"word":"said","start":19.535,"end":20.035,"confidence":0.9722588,"punctuated_word":"said","sentiment":"neutral","sentiment_score":-0.10652002692222597},{"word":"that","start":21.055,"end":21.135,"confidence":0.16774009,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10739801824092864},{"word":"going","start":21.135,"end":21.635,"confidence":0.5153269,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.11802773177623747},{"word":"a","start":22.494999,"end":22.654999,"confidence":0.7555559,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15144294500350952},{"word":"little","start":22.654999,"end":22.895,"confidence":0.9994578,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.14262211322784424},{"word":"bit","start":22.895,"end":23.055,"confidence":0.99801755,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.15379168093204498},{"word":"backwards","start":23.055,"end":23.555,"confidence":0.9951138,"punctuated_word":"backwards","sentiment":"neutral","sentiment_score":-0.20302388072013855},{"word":"because","start":24.175,"end":24.415,"confidence":0.399266,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.12224100530147552},{"word":"we're","start":24.415,"end":24.575,"confidence":0.96349627,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.16712412238121033},{"word":"paying","start":24.575,"end":24.895,"confidence":0.96439105,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.23870745301246643},{"word":"mostly","start":24.895,"end":25.395,"confidence":0.985449,"punctuated_word":"mostly","sentiment":"neutral","sentiment_score":-0.16611765325069427},{"word":"tax","start":25.455,"end":25.775,"confidence":0.93057823,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.18139466643333435},{"word":"on","start":25.775,"end":26.015,"confidence":0.9989152,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.25762614607810974},{"word":"the","start":26.015,"end":26.175,"confidence":0.9865615,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22618865966796875},{"word":"rent","start":26.175,"end":26.67,"confidence":0.944775,"punctuated_word":"rent.","sentiment":"neutral","sentiment_score":-0.12844109535217285},{"word":"so","start":28.83,"end":29.07,"confidence":0.97634584,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.15921129286289215},{"word":"he","start":29.07,"end":29.15,"confidence":0.9809168,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.18230104446411133},{"word":"didn't","start":29.15,"end":29.630001,"confidence":0.9995453,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":-0.2412826418876648},{"word":"actually","start":29.630001,"end":30.130001,"confidence":0.827791,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.23065239191055295},{"word":"try","start":32.43,"end":32.67,"confidence":0.412149,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.32526782155036926},{"word":"to","start":32.67,"end":32.75,"confidence":0.9971583,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.3129243850708008},{"word":"sell","start":32.75,"end":32.989998,"confidence":0.9974502,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.29908648133277893},{"word":"it","start":32.989998,"end":33.15,"confidence":0.8965539,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.16589462757110596},{"word":"he","start":33.15,"end":33.31,"confidence":0.6739698,"punctuated_word":"He","sentiment":"neutral","sentiment_score":-0.1281266808509827},{"word":"said","start":33.31,"end":33.47,"confidence":0.78104466,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.13178300857543945},{"word":"i'm","start":33.47,"end":33.55,"confidence":0.9942609,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.21003884077072144},{"word":"not","start":33.55,"end":33.79,"confidence":0.9958177,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.22372901439666748},{"word":"telling","start":33.79,"end":33.91,"confidence":0.7536004,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":-0.2687305808067322},{"word":"you","start":33.91,"end":34.03,"confidence":0.45568246,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2425606399774551},{"word":"to","start":34.03,"end":34.11,"confidence":0.95533234,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.29653581976890564},{"word":"sell","start":34.11,"end":34.27,"confidence":0.97661555,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.3020497262477875},{"word":"it","start":34.27,"end":34.43,"confidence":0.85983044,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.18414157629013064},{"word":"but","start":34.43,"end":34.59,"confidence":0.9986823,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.17395243048667908},{"word":"he","start":34.59,"end":34.75,"confidence":0.997874,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.17242908477783203},{"word":"said","start":34.75,"end":35.25,"confidence":0.78705096,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.14079958200454712},{"word":"yeah","start":36.19,"end":36.43,"confidence":0.83332705,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":-0.16508838534355164},{"word":"he","start":36.43,"end":36.75,"confidence":0.9853939,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.20997697114944455},{"word":"sort","start":36.75,"end":36.91,"confidence":0.83677906,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.26457253098487854},{"word":"of","start":36.91,"end":37.07,"confidence":0.86269635,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2524009048938751},{"word":"thought","start":37.07,"end":37.309998,"confidence":0.9272316,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.29406994581222534},{"word":"it'd","start":37.309998,"end":37.55,"confidence":0.62137306,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":-0.3203914165496826},{"word":"be","start":37.55,"end":37.71,"confidence":0.99514115,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.35627683997154236},{"word":"better","start":37.71,"end":37.95,"confidence":0.9994331,"punctuated_word":"better","sentiment":"negative","sentiment_score":-0.36050739884376526},{"word":"off","start":37.95,"end":38.45,"confidence":0.9741246,"punctuated_word":"off","sentiment":"neutral","sentiment_score":-0.2932025194168091},{"word":"selling","start":38.91,"end":39.07,"confidence":0.90713936,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.27665236592292786},{"word":"it","start":39.07,"end":39.39,"confidence":0.7790843,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.2562495768070221},{"word":"putting","start":39.39,"end":39.63,"confidence":0.93771386,"punctuated_word":"putting","sentiment":"neutral","sentiment_score":-0.24029392004013064},{"word":"it","start":39.63,"end":39.79,"confidence":0.9924986,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13050885498523712},{"word":"on","start":39.79,"end":39.95,"confidence":0.9978783,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2058679759502411},{"word":"the","start":39.95,"end":40.11,"confidence":0.9918383,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20101338624954224},{"word":"mortgage","start":40.11,"end":40.61,"confidence":0.78473556,"punctuated_word":"mortgage,","sentiment":"neutral","sentiment_score":-0.07187056541442871},{"word":"and","start":41.23,"end":41.39,"confidence":0.9989353,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10165253281593324},{"word":"then","start":41.39,"end":41.89,"confidence":0.9990606,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.09500455111265182},{"word":"sort","start":42.864998,"end":43.105,"confidence":0.9970278,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.14996764063835144},{"word":"of","start":43.105,"end":43.265,"confidence":0.97841346,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17740356922149658},{"word":"maybe","start":43.265,"end":43.745,"confidence":0.5289798,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.15657435357570648},{"word":"rebullying","start":43.745,"end":44.245,"confidence":0.39776814,"punctuated_word":"rebullying","sentiment":"neutral","sentiment_score":-0.2244570255279541},{"word":"and","start":44.305,"end":44.545,"confidence":0.8683212,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16711866855621338},{"word":"making","start":44.545,"end":44.945,"confidence":0.98722976,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.17258456349372864},{"word":"that","start":44.945,"end":45.445,"confidence":0.98703486,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.032643139362335205},{"word":"a","start":46.305,"end":46.385,"confidence":0.9938154,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1019786149263382},{"word":"bit","start":46.385,"end":46.625,"confidence":0.9980521,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.06623001396656036},{"word":"more","start":46.625,"end":46.864998,"confidence":0.99971956,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.09625698626041412},{"word":"of","start":46.864998,"end":47.024998,"confidence":0.99903405,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07811670005321503},{"word":"a","start":47.024998,"end":47.344997,"confidence":0.9987186,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.003380686044692993},{"word":"positive","start":47.344997,"end":47.824997,"confidence":0.9824699,"punctuated_word":"positive","sentiment":"neutral","sentiment_score":0.20288822054862976},{"word":"debt","start":47.824997,"end":48.324997,"confidence":0.72790325,"punctuated_word":"debt.","sentiment":"neutral","sentiment_score":-0.0373392216861248},{"word":"if","start":49.265,"end":49.585,"confidence":0.8861574,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.03662043809890747},{"word":"you","start":49.585,"end":49.745,"confidence":0.9892869,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025446223095059395},{"word":"sort","start":49.745,"end":50.144997,"confidence":0.57234883,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.047936078161001205},{"word":"of","start":50.144997,"end":50.305,"confidence":0.84727013,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02967289835214615},{"word":"get","start":50.305,"end":50.464996,"confidence":0.98605585,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.020873695611953735},{"word":"me","start":50.464996,"end":50.964996,"confidence":0.9865376,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.006824154406785965},{"word":"yep","start":55.68,"end":56.18,"confidence":0.95924926,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.003813019022345543},{"word":"yep","start":57.36,"end":57.86,"confidence":0.99696827,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.008560525253415108},{"word":"yep","start":58.88,"end":59.36,"confidence":0.9752424,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.010756704024970531},{"word":"daniel","start":59.36,"end":59.86,"confidence":0.63838327,"punctuated_word":"Daniel","sentiment":"neutral","sentiment_score":0.008093643933534622},{"word":"patrick","start":59.920002,"end":60.4,"confidence":0.96233195,"punctuated_word":"Patrick","sentiment":"neutral","sentiment_score":0.015454910695552826},{"word":"mullins","start":60.4,"end":60.9,"confidence":0.8328007,"punctuated_word":"Mullins.","sentiment":"neutral","sentiment_score":0.01617593877017498},{"word":"769981","start":61.36,"end":63.440002,"confidence":0.51195097,"punctuated_word":"769981","sentiment":"neutral","sentiment_score":0.01281852088868618},{"word":"and","start":63.440002,"end":63.84,"confidence":0.7010262,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.013517512008547785},{"word":"83","start":63.84,"end":64.48,"confidence":0.9939894,"punctuated_word":"83","sentiment":"neutral","sentiment_score":0.01647922396659851},{"word":"moslems","start":64.48,"end":64.98,"confidence":0.46683127,"punctuated_word":"Moslems","sentiment":"neutral","sentiment_score":0.025257587432861328},{"word":"lane","start":65.04,"end":65.520004,"confidence":0.9110122,"punctuated_word":"Lane,","sentiment":"neutral","sentiment_score":0.020797118544578552},{"word":"manildra","start":65.520004,"end":66.020004,"confidence":0.809037,"punctuated_word":"Manildra.","sentiment":"neutral","sentiment_score":0.04104539752006531},{"word":"yeah","start":80.715,"end":81.215,"confidence":0.7010069,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.2169787585735321},{"word":"yeah","start":88.12,"end":88.520004,"confidence":0.8624619,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.16039207577705383},{"word":"would","start":88.520004,"end":88.68,"confidence":0.9171187,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.18846386671066284},{"word":"that","start":88.68,"end":88.920006,"confidence":0.9983511,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.271511971950531},{"word":"be","start":88.920006,"end":89.08,"confidence":0.99516076,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.13394781947135925},{"word":"would","start":89.64,"end":89.8,"confidence":0.7272381,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1429859697818756},{"word":"give","start":89.8,"end":90.12,"confidence":0.70019114,"punctuated_word":"give","sentiment":"neutral","sentiment_score":-0.12363198399543762},{"word":"us","start":90.12,"end":90.36,"confidence":0.48550355,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.14945614337921145},{"word":"a","start":90.36,"end":90.520004,"confidence":0.57339495,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12014806270599364},{"word":"that'd","start":90.76,"end":91.0,"confidence":0.88036585,"punctuated_word":"that'd","sentiment":"neutral","sentiment_score":-0.07082916796207428},{"word":"be","start":91.0,"end":91.240005,"confidence":0.9679471,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.04912441968917847},{"word":"the","start":91.240005,"end":91.32,"confidence":0.6686494,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1547735035419464},{"word":"best","start":91.32,"end":91.82,"confidence":0.9977055,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.11245127022266388},{"word":"audio","start":92.04,"end":92.54,"confidence":0.3589861,"punctuated_word":"audio.","sentiment":"neutral","sentiment_score":-0.06894534826278687},{"word":"yep","start":131.175,"end":131.675,"confidence":0.7364313,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17244449257850647},{"word":"yeah","start":133.33499,"end":133.655,"confidence":0.98885965,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12801417708396912},{"word":"okay","start":133.655,"end":134.155,"confidence":0.8000742,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.026889320462942123},{"word":"well","start":143.38,"end":143.62,"confidence":0.9486662,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.19540318846702576},{"word":"i","start":143.62,"end":143.7,"confidence":0.9385847,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.425413191318512},{"word":"shouldn't","start":143.7,"end":144.1,"confidence":0.78128153,"punctuated_word":"shouldn't.","sentiment":"neutral","sentiment_score":-0.3125271797180176},{"word":"should","start":144.1,"end":144.34,"confidence":0.60904455,"punctuated_word":"Should","sentiment":"neutral","sentiment_score":-0.2823302149772644},{"word":"i","start":144.34,"end":144.42,"confidence":0.83100677,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2647422254085541},{"word":"because","start":144.42,"end":144.82,"confidence":0.57846725,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.20949174463748932},{"word":"of","start":144.82,"end":145.32,"confidence":0.94734305,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.28311482071876526},{"word":"i","start":145.7,"end":145.86,"confidence":0.96690714,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.25088968873023987},{"word":"sort","start":145.86,"end":146.1,"confidence":0.8997811,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2491038143634796},{"word":"of","start":146.1,"end":146.18,"confidence":0.99067116,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.23958343267440796},{"word":"i've","start":146.26,"end":146.5,"confidence":0.9146251,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.2174786776304245},{"word":"owned","start":146.5,"end":146.74,"confidence":0.27007434,"punctuated_word":"owned","sentiment":"neutral","sentiment_score":-0.14915171265602112},{"word":"that","start":146.74,"end":146.9,"confidence":0.9895299,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.234266459941864},{"word":"since","start":146.9,"end":147.22,"confidence":0.9979797,"punctuated_word":"since","sentiment":"neutral","sentiment_score":-0.26088690757751465},{"word":"i","start":147.22,"end":147.3,"confidence":0.9890065,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.22148369252681732},{"word":"was","start":147.3,"end":147.54,"confidence":0.9982644,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2005429565906525},{"word":"seven","start":147.54,"end":148.04,"confidence":0.62961435,"punctuated_word":"seven.","sentiment":"neutral","sentiment_score":-0.22431029379367828},{"word":"68","start":155.70499,"end":156.265,"confidence":0.8557924,"punctuated_word":"68,","sentiment":"neutral","sentiment_score":-0.016784969717264175},{"word":"i","start":156.265,"end":156.42499,"confidence":0.98456776,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.024853549897670742},{"word":"think","start":156.42499,"end":156.92499,"confidence":0.98958355,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.009323449805378914},{"word":"oh","start":171.31,"end":171.39,"confidence":0.7068882,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.03913534432649613},{"word":"well","start":171.39,"end":171.89,"confidence":0.9855988,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.031577665358781815},{"word":"well","start":173.47,"end":173.55,"confidence":0.84191203,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.010225728154182434},{"word":"i'm","start":173.55,"end":173.63,"confidence":0.9129572,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.00721440464258194},{"word":"well","start":173.63,"end":173.95,"confidence":0.7803303,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.011640183627605438},{"word":"i'm","start":173.95,"end":174.19,"confidence":0.9982225,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.00950914155691862},{"word":"forty","start":174.19,"end":174.69,"confidence":0.9971348,"punctuated_word":"forty","sentiment":"neutral","sentiment_score":0.01708347350358963},{"word":"forty","start":174.91,"end":175.23,"confidence":0.96828663,"punctuated_word":"forty","sentiment":"neutral","sentiment_score":0.010375209152698517},{"word":"five","start":175.23,"end":175.55,"confidence":0.99486226,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.017965972423553467},{"word":"this","start":175.55,"end":175.87,"confidence":0.98769253,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.012346886098384855},{"word":"year","start":175.87,"end":176.19,"confidence":0.8565749,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.006963375955820084},{"word":"and","start":176.19,"end":176.415,"confidence":0.55009764,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04190495237708092},{"word":"we","start":176.495,"end":176.655,"confidence":0.99513274,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.048929810523986816},{"word":"only","start":176.655,"end":176.89499,"confidence":0.9971378,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.06834235787391663},{"word":"moved","start":176.89499,"end":177.09499,"confidence":0.99828184,"punctuated_word":"moved","sentiment":"neutral","sentiment_score":-0.06318826228380203},{"word":"out","start":177.09499,"end":177.29498,"confidence":0.99855024,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.022531501948833466},{"word":"of","start":177.29498,"end":177.495,"confidence":0.9952043,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03856572508811951},{"word":"it","start":177.495,"end":177.69499,"confidence":0.99882716,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05339221656322479},{"word":"last","start":177.69499,"end":178.19499,"confidence":0.9994837,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.0474407970905304},{"word":"year","start":181.36499,"end":181.61499,"confidence":0.99919206,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.004938395693898201},{"word":"yeah","start":181.61499,"end":182.11499,"confidence":0.9903927,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0021784529089927673},{"word":"yep","start":190.015,"end":190.515,"confidence":0.9888187,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.029469769448041916},{"word":"well","start":195.09999,"end":195.42,"confidence":0.9170828,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.1590091735124588},{"word":"i","start":195.42,"end":195.58,"confidence":0.9982937,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2716962993144989},{"word":"probably","start":195.58,"end":195.9,"confidence":0.92360955,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.32620969414711},{"word":"wouldn't","start":195.9,"end":196.22,"confidence":0.9995036,"punctuated_word":"wouldn't","sentiment":"negative","sentiment_score":-0.35288089513778687},{"word":"buy","start":196.22,"end":196.54,"confidence":0.9937941,"punctuated_word":"buy","sentiment":"negative","sentiment_score":-0.36063963174819946},{"word":"straight","start":196.54,"end":196.86,"confidence":0.55167603,"punctuated_word":"straight","sentiment":"negative","sentiment_score":-0.36498481035232544},{"word":"away","start":196.86,"end":197.34,"confidence":0.6649682,"punctuated_word":"away.","sentiment":"negative","sentiment_score":-0.3436799645423889},{"word":"like","start":197.34,"end":197.84,"confidence":0.88844943,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.23514845967292783},{"word":"it's","start":198.06,"end":198.3,"confidence":0.82391334,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.27676522731781006},{"word":"not","start":198.3,"end":198.45999,"confidence":0.86755776,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2821867763996124},{"word":"i'm","start":198.54,"end":198.62,"confidence":0.95872587,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.32800111174583435},{"word":"not","start":198.62,"end":198.86,"confidence":0.9984824,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.326119065284729},{"word":"like","start":199.02,"end":199.18,"confidence":0.9628482,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.3097631335258484},{"word":"it's","start":199.18,"end":199.42,"confidence":0.99878275,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.3969117105007171},{"word":"not","start":199.42,"end":199.66,"confidence":0.9992298,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.3376360833644867},{"word":"we","start":200.62,"end":200.94,"confidence":0.997157,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.3533147871494293},{"word":"just","start":200.94,"end":201.26001,"confidence":0.8897591,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.3456830084323883},{"word":"yeah","start":201.58,"end":201.98,"confidence":0.83987814,"punctuated_word":"yeah.","sentiment":"negative","sentiment_score":-0.42399123311042786},{"word":"see","start":201.98,"end":202.14,"confidence":0.79027444,"punctuated_word":"See","sentiment":"negative","sentiment_score":-0.4459446966648102},{"word":"what","start":202.14,"end":202.38,"confidence":0.99461335,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.4721772074699402},{"word":"this","start":202.38,"end":202.88,"confidence":0.9590205,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.41633185744285583},{"word":"all","start":203.9,"end":204.06,"confidence":0.97573394,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.395056813955307},{"word":"these","start":204.06,"end":204.3,"confidence":0.5791193,"punctuated_word":"these","sentiment":"negative","sentiment_score":-0.3612261414527893},{"word":"bloody","start":204.3,"end":204.62,"confidence":0.8301651,"punctuated_word":"bloody","sentiment":"negative","sentiment_score":-0.5468524098396301},{"word":"situations","start":204.62,"end":205.12,"confidence":0.5136788,"punctuated_word":"situations","sentiment":"negative","sentiment_score":-0.4545665979385376},{"word":"doing","start":205.42,"end":205.92,"confidence":0.83006394,"punctuated_word":"doing.","sentiment":"negative","sentiment_score":-0.389714002609253},{"word":"look","start":208.065,"end":208.225,"confidence":0.41753563,"punctuated_word":"Look","sentiment":"neutral","sentiment_score":-0.2779217064380646},{"word":"with","start":208.225,"end":208.625,"confidence":0.5920029,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":-0.23370498418807983},{"word":"you","start":208.625,"end":208.785,"confidence":0.99225897,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.22909539937973025},{"word":"know","start":208.785,"end":209.02501,"confidence":0.995051,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.24363024532794952},{"word":"the","start":209.02501,"end":209.18501,"confidence":0.99573165,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27045947313308716},{"word":"fuel","start":209.18501,"end":209.68501,"confidence":0.9959935,"punctuated_word":"fuel","sentiment":"neutral","sentiment_score":-0.2503819763660431},{"word":"and","start":210.545,"end":210.785,"confidence":0.86745113,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2301761507987976},{"word":"the","start":210.785,"end":210.945,"confidence":0.94977766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.27213647961616516},{"word":"cost","start":210.945,"end":211.185,"confidence":0.99025893,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.24586735665798187},{"word":"of","start":211.185,"end":211.345,"confidence":0.9925492,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3005226254463196},{"word":"living","start":211.345,"end":211.66501,"confidence":0.976392,"punctuated_word":"living","sentiment":"neutral","sentiment_score":-0.3001181483268738},{"word":"will","start":211.66501,"end":211.74501,"confidence":0.9392804,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.2969144284725189},{"word":"probably","start":211.74501,"end":212.145,"confidence":0.9992962,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.3189886808395386},{"word":"go","start":212.145,"end":212.30501,"confidence":0.99798477,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.3306095600128174},{"word":"up","start":212.30501,"end":212.80501,"confidence":0.8311092,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.2467420399188995},{"word":"and","start":214.30501,"end":214.46501,"confidence":0.9928644,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.16820991039276123},{"word":"then","start":214.46501,"end":214.96501,"confidence":0.9986305,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.12563969194889069},{"word":"maybe","start":215.345,"end":215.66501,"confidence":0.9645737,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.2747787833213806},{"word":"the","start":215.66501,"end":215.82501,"confidence":0.9986059,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3059546947479248},{"word":"price","start":215.82501,"end":216.145,"confidence":0.80641264,"punctuated_word":"price","sentiment":"neutral","sentiment_score":-0.30959898233413696},{"word":"of","start":216.145,"end":216.645,"confidence":0.987906,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.3059983253479004},{"word":"property","start":216.865,"end":217.345,"confidence":0.9837685,"punctuated_word":"property","sentiment":"neutral","sentiment_score":-0.31727540493011475},{"word":"might","start":217.345,"end":217.585,"confidence":0.9571229,"punctuated_word":"might","sentiment":"negative","sentiment_score":-0.34270352125167847},{"word":"go","start":217.585,"end":217.74501,"confidence":0.9871361,"punctuated_word":"go","sentiment":"negative","sentiment_score":-0.35829398036003113},{"word":"down","start":217.74501,"end":218.065,"confidence":0.99922276,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.26915061473846436},{"word":"too","start":218.065,"end":218.38501,"confidence":0.7836211,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":-0.28343862295150757},{"word":"like","start":218.38501,"end":218.625,"confidence":0.67302203,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.23892033100128177},{"word":"you","start":218.625,"end":218.705,"confidence":0.49648684,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.31393176317214966},{"word":"don't","start":218.705,"end":219.02501,"confidence":0.99509776,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1790255308151245},{"word":"know","start":219.02501,"end":219.48,"confidence":0.93468416,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.2227189838886261},{"word":"yep","start":228.51999,"end":229.01999,"confidence":0.9980305,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0724872499704361},{"word":"yep","start":236.28499,"end":236.78499,"confidence":0.7928593,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1289912313222885},{"word":"yeah","start":243.00499,"end":243.50499,"confidence":0.92128557,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0532032772898674},{"word":"yes","start":252.28,"end":252.78,"confidence":0.7218421,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1310552954673767},{"word":"yeah","start":270.275,"end":270.595,"confidence":0.8490517,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13975226879119873},{"word":"okay","start":270.595,"end":271.095,"confidence":0.9861387,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.18359535932540896},{"word":"win","start":275.68,"end":275.91998,"confidence":0.8419916,"punctuated_word":"Win","sentiment":"positive","sentiment_score":0.3411548137664795},{"word":"win","start":275.91998,"end":276.19998,"confidence":0.61368394,"punctuated_word":"win.","sentiment":"neutral","sentiment_score":0.26319149136543274},{"word":"oh","start":276.19998,"end":276.47998,"confidence":0.58618784,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.09258043766021729},{"word":"a","start":276.47998,"end":276.63998,"confidence":0.25150695,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.012658633291721344},{"word":"win","start":276.63998,"end":276.87997,"confidence":0.9819755,"punctuated_word":"win","sentiment":"neutral","sentiment_score":-0.016632288694381714},{"word":"loss","start":276.87997,"end":277.28,"confidence":0.78283256,"punctuated_word":"loss","sentiment":"neutral","sentiment_score":-0.03912228345870972},{"word":"over","start":277.28,"end":277.68,"confidence":0.36223656,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.093083918094635},{"word":"otherwise","start":277.75998,"end":278.24,"confidence":0.9244784,"punctuated_word":"otherwise,","sentiment":"neutral","sentiment_score":-0.06637157499790192},{"word":"isn't","start":278.24,"end":278.47998,"confidence":0.99574316,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.03863753378391266},{"word":"it","start":278.47998,"end":278.97998,"confidence":0.9989615,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.01551414281129837},{"word":"yep","start":288.31998,"end":288.81998,"confidence":0.88734686,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17882394790649414},{"word":"well","start":299.38498,"end":299.705,"confidence":0.6373477,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.16990196704864502},{"word":"that's","start":299.705,"end":300.025,"confidence":0.9826101,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.33621686697006226},{"word":"alright","start":300.025,"end":300.525,"confidence":0.9085645,"punctuated_word":"alright.","sentiment":"positive","sentiment_score":0.3416377007961273},{"word":"yeah","start":302.10498,"end":302.505,"confidence":0.99670494,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2984248995780945},{"word":"that","start":302.505,"end":302.66498,"confidence":0.6379574,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.29164308309555054},{"word":"would","start":302.66498,"end":302.82498,"confidence":0.53793603,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.31456685066223145},{"word":"be","start":302.82498,"end":302.985,"confidence":0.9694948,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2730172276496887},{"word":"the","start":302.985,"end":303.145,"confidence":0.9891186,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23855511844158173},{"word":"next","start":303.145,"end":303.63,"confidence":0.9812535,"punctuated_word":"next.","sentiment":"neutral","sentiment_score":0.2201416939496994},{"word":"yep","start":311.71,"end":312.21,"confidence":0.9660251,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2856597602367401},{"word":"yes","start":327.685,"end":328.185,"confidence":0.7803114,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.0629422664642334},{"word":"yep","start":334.9,"end":335.4,"confidence":0.89259887,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.23041121661663055},{"word":"yep","start":349.155,"end":349.655,"confidence":0.7549404,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13590073585510254},{"word":"yep","start":351.39502,"end":351.875,"confidence":0.8759795,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17516884207725525},{"word":"that's","start":351.875,"end":352.195,"confidence":0.88449657,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.22422993183135984},{"word":"it","start":352.195,"end":352.695,"confidence":0.8008204,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.2453395128250122},{"word":"yeah","start":371.965,"end":372.285,"confidence":0.88634247,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02215191349387169},{"word":"i","start":372.285,"end":372.365,"confidence":0.89245147,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09424275159835815},{"word":"don't","start":372.365,"end":372.525,"confidence":0.97741044,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.10991587489843369},{"word":"think","start":372.525,"end":372.76498,"confidence":0.65806776,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.2163631170988083},{"word":"we'd","start":372.76498,"end":373.26498,"confidence":0.9520942,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.2519839406013489},{"word":"i","start":373.325,"end":373.485,"confidence":0.72358763,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3034427762031555},{"word":"don't","start":373.485,"end":373.725,"confidence":0.999471,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2632514238357544},{"word":"reckon","start":373.725,"end":374.125,"confidence":0.7228946,"punctuated_word":"reckon","sentiment":"neutral","sentiment_score":-0.29740625619888306},{"word":"we'd","start":374.125,"end":374.625,"confidence":0.99574566,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.2902807593345642},{"word":"leave","start":374.76498,"end":375.005,"confidence":0.966465,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.27042585611343384},{"word":"it","start":375.005,"end":375.245,"confidence":0.8659427,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.24414001405239105},{"word":"like","start":375.245,"end":375.745,"confidence":0.9864819,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.23351900279521945},{"word":"twelve","start":375.965,"end":376.285,"confidence":0.9987104,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.26845449209213257},{"word":"months","start":376.285,"end":376.605,"confidence":0.9998603,"punctuated_word":"months","sentiment":"neutral","sentiment_score":-0.19982099533081055},{"word":"or","start":376.605,"end":376.76498,"confidence":0.9982217,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.18963982164859772},{"word":"anything","start":376.76498,"end":377.26498,"confidence":0.8249019,"punctuated_word":"anything.","sentiment":"neutral","sentiment_score":-0.1395868957042694},{"word":"but","start":378.125,"end":378.625,"confidence":0.7446799,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.028138890862464905},{"word":"yeah","start":378.925,"end":379.425,"confidence":0.94753283,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.07599379122257233},{"word":"there's","start":380.285,"end":380.525,"confidence":0.8692267,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.11440859735012054},{"word":"a","start":380.525,"end":380.605,"confidence":0.94077855,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.130935400724411},{"word":"couple","start":380.605,"end":380.925,"confidence":0.9987023,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.12125785648822784},{"word":"of","start":380.925,"end":381.005,"confidence":0.70742095,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10457639396190643},{"word":"options","start":381.005,"end":381.405,"confidence":0.47236437,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.07861649245023727},{"word":"i've","start":381.405,"end":381.565,"confidence":0.88484484,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.07680647820234299},{"word":"thought","start":381.565,"end":381.885,"confidence":0.93765795,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.09974385052919388},{"word":"of","start":381.885,"end":382.04498,"confidence":0.8995873,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":0.12031152844429016},{"word":"but","start":382.04498,"end":382.44,"confidence":0.9900277,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.0969625860452652},{"word":"yes","start":384.44,"end":384.94,"confidence":0.99391186,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.11143307387828828},{"word":"well","start":395.025,"end":395.525,"confidence":0.88221985,"punctuated_word":"Well","sentiment":"neutral","sentiment_score":-0.003936098888516426},{"word":"well","start":395.825,"end":396.145,"confidence":0.7981156,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.17410671710968018},{"word":"i","start":396.145,"end":396.225,"confidence":0.9906193,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.27422478795051575},{"word":"was","start":396.225,"end":396.70502,"confidence":0.99730456,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2591470181941986},{"word":"talking","start":396.70502,"end":397.105,"confidence":0.9937471,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.2091480493545532},{"word":"to","start":397.105,"end":397.185,"confidence":0.99846387,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2840494215488434},{"word":"a","start":397.185,"end":397.265,"confidence":0.8332001,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.28095075488090515},{"word":"mate","start":397.265,"end":397.765,"confidence":0.88195264,"punctuated_word":"mate,","sentiment":"neutral","sentiment_score":-0.24990010261535645},{"word":"and","start":398.865,"end":399.105,"confidence":0.9994086,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19135014712810516},{"word":"he's","start":399.105,"end":399.42502,"confidence":0.9933211,"punctuated_word":"he's","sentiment":"negative","sentiment_score":-0.33743345737457275},{"word":"got","start":399.42502,"end":399.745,"confidence":0.88638484,"punctuated_word":"got","sentiment":"negative","sentiment_score":-0.4550566971302033},{"word":"just","start":399.98502,"end":400.48502,"confidence":0.9572023,"punctuated_word":"just","sentiment":"negative","sentiment_score":-0.43508514761924744},{"word":"a","start":400.545,"end":400.70502,"confidence":0.48567012,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.488985538482666},{"word":"problem","start":400.70502,"end":401.105,"confidence":0.21949008,"punctuated_word":"problem","sentiment":"negative","sentiment_score":-0.4296266436576843},{"word":"at","start":401.105,"end":401.265,"confidence":0.90157574,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.5806350708007812},{"word":"worst","start":401.265,"end":401.585,"confidence":0.94304055,"punctuated_word":"worst","sentiment":"negative","sentiment_score":-0.5230112671852112},{"word":"with","start":401.585,"end":401.825,"confidence":0.89913696,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.5658921003341675},{"word":"him","start":401.825,"end":402.325,"confidence":0.8744613,"punctuated_word":"him.","sentiment":"negative","sentiment_score":-0.4791842103004456},{"word":"and","start":402.785,"end":402.945,"confidence":0.94310087,"punctuated_word":"And","sentiment":"negative","sentiment_score":-0.3869668543338776},{"word":"he's","start":402.945,"end":403.425,"confidence":0.997761,"punctuated_word":"he's","sentiment":"negative","sentiment_score":-0.4641580283641815},{"word":"actually","start":403.425,"end":403.825,"confidence":0.99019146,"punctuated_word":"actually","sentiment":"negative","sentiment_score":-0.43942636251449585},{"word":"sold","start":403.825,"end":404.065,"confidence":0.9794973,"punctuated_word":"sold","sentiment":"negative","sentiment_score":-0.49158430099487305},{"word":"all","start":404.065,"end":404.225,"confidence":0.9988172,"punctuated_word":"all","sentiment":"negative","sentiment_score":-0.44692346453666687},{"word":"these","start":404.225,"end":404.465,"confidence":0.5199676,"punctuated_word":"these","sentiment":"negative","sentiment_score":-0.45185449719429016},{"word":"houses","start":404.465,"end":404.965,"confidence":0.9984347,"punctuated_word":"houses","sentiment":"negative","sentiment_score":-0.3764362335205078},{"word":"and","start":405.345,"end":405.585,"confidence":0.95956844,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.37326452136039734},{"word":"gone","start":405.585,"end":405.825,"confidence":0.7655974,"punctuated_word":"gone","sentiment":"negative","sentiment_score":-0.3822159171104431},{"word":"into","start":405.825,"end":406.305,"confidence":0.9964849,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.3541368842124939},{"word":"sort","start":406.305,"end":406.545,"confidence":0.81029904,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2586332857608795},{"word":"of","start":406.545,"end":406.70502,"confidence":0.6630626,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.39030593633651733},{"word":"industrial","start":406.70502,"end":407.20502,"confidence":0.99169403,"punctuated_word":"industrial","sentiment":"neutral","sentiment_score":-0.32760509848594666},{"word":"shed","start":407.345,"end":407.845,"confidence":0.7851838,"punctuated_word":"shed.","sentiment":"negative","sentiment_score":-0.34057506918907166},{"word":"you","start":409.11002,"end":409.19,"confidence":0.99570775,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.12796619534492493},{"word":"know","start":409.19,"end":409.51,"confidence":0.9078468,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.09088867157697678},{"word":"and","start":409.51,"end":409.67,"confidence":0.99837685,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.11240342259407043},{"word":"there's","start":409.67,"end":410.15002,"confidence":0.85202235,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":-0.200467512011528},{"word":"no","start":410.15002,"end":410.31003,"confidence":0.99148434,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.18570227921009064},{"word":"upkeep","start":410.31003,"end":410.81003,"confidence":0.8540641,"punctuated_word":"upkeep,","sentiment":"neutral","sentiment_score":-0.14243602752685547},{"word":"but","start":411.35,"end":411.59003,"confidence":0.9306988,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06530284881591797},{"word":"he","start":411.59003,"end":411.67,"confidence":0.77791214,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.0645514726638794},{"word":"gets","start":411.67,"end":411.99002,"confidence":0.9939936,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.0006146430969238281},{"word":"good","start":411.99002,"end":412.49002,"confidence":0.98817307,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.08255906403064728},{"word":"return","start":412.63,"end":413.13,"confidence":0.99416155,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.15415480732917786},{"word":"as","start":413.43002,"end":413.67,"confidence":0.9991708,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05603748559951782},{"word":"a","start":413.67,"end":413.75,"confidence":0.9965258,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03503713756799698},{"word":"rental","start":413.75,"end":414.25,"confidence":0.93434,"punctuated_word":"rental.","sentiment":"neutral","sentiment_score":-0.03301827609539032},{"word":"and","start":415.35,"end":415.75,"confidence":0.99872595,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.22989192605018616},{"word":"yeah","start":415.83002,"end":416.33002,"confidence":0.89542484,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.29096442461013794},{"word":"like","start":416.39,"end":416.71002,"confidence":0.8059399,"punctuated_word":"Like,","sentiment":"negative","sentiment_score":-0.3531547486782074},{"word":"what's","start":416.71002,"end":416.95,"confidence":0.9987092,"punctuated_word":"what's","sentiment":"negative","sentiment_score":-0.5193576812744141},{"word":"the","start":416.95,"end":417.11002,"confidence":0.98018837,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5813607573509216},{"word":"worst","start":417.11002,"end":417.35,"confidence":0.97329605,"punctuated_word":"worst","sentiment":"negative","sentiment_score":-0.6916635632514954},{"word":"i","start":417.35,"end":417.51,"confidence":0.6583146,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5989395380020142},{"word":"can","start":417.51,"end":417.67,"confidence":0.9805079,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.6548214554786682},{"word":"do","start":417.67,"end":417.83002,"confidence":0.93538773,"punctuated_word":"do?","sentiment":"negative","sentiment_score":-0.6315587759017944},{"word":"put","start":417.83002,"end":417.91,"confidence":0.990013,"punctuated_word":"Put","sentiment":"negative","sentiment_score":-0.712922215461731},{"word":"a","start":417.91,"end":418.07,"confidence":0.98325354,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.7532961368560791},{"word":"dent","start":418.07,"end":418.31003,"confidence":0.76797587,"punctuated_word":"dent","sentiment":"negative","sentiment_score":-0.7044792175292969},{"word":"in","start":418.31003,"end":418.47,"confidence":0.99387676,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.7384631633758545},{"word":"the","start":418.47,"end":418.55002,"confidence":0.93611145,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.7026481628417969},{"word":"sheet","start":418.55002,"end":419.05002,"confidence":0.7859938,"punctuated_word":"sheet.","sentiment":"negative","sentiment_score":-0.5961778163909912},{"word":"and","start":419.91,"end":420.15002,"confidence":0.9979146,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.3049626350402832},{"word":"i","start":420.15002,"end":420.31003,"confidence":0.991527,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.338983952999115},{"word":"was","start":420.31003,"end":420.47,"confidence":0.9675006,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.31826120615005493},{"word":"sort","start":420.47,"end":420.71002,"confidence":0.9922152,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.31639111042022705},{"word":"of","start":420.71002,"end":420.87003,"confidence":0.8999365,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.34028953313827515},{"word":"thinking","start":420.87003,"end":421.27002,"confidence":0.9894757,"punctuated_word":"thinking","sentiment":"negative","sentiment_score":-0.3899515569210053},{"word":"down","start":421.27002,"end":421.59003,"confidence":0.9783172,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.46582067012786865},{"word":"that","start":421.59003,"end":421.83002,"confidence":0.99716645,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.43754589557647705},{"word":"alley","start":421.83002,"end":422.33002,"confidence":0.75208414,"punctuated_word":"alley,","sentiment":"negative","sentiment_score":-0.4308028221130371},{"word":"like","start":424.795,"end":424.95502,"confidence":0.82738984,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.3892736136913299},{"word":"get","start":424.95502,"end":425.195,"confidence":0.9656685,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.5148686170578003},{"word":"rid","start":425.195,"end":425.435,"confidence":0.99891686,"punctuated_word":"rid","sentiment":"negative","sentiment_score":-0.4855128228664398},{"word":"of","start":425.435,"end":425.595,"confidence":0.9989748,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4647925794124603},{"word":"this","start":425.595,"end":426.095,"confidence":0.9116676,"punctuated_word":"this,","sentiment":"negative","sentiment_score":-0.4392164349555969},{"word":"take","start":426.795,"end":427.035,"confidence":0.9564376,"punctuated_word":"take","sentiment":"negative","sentiment_score":-0.5003553628921509},{"word":"off","start":427.035,"end":427.275,"confidence":0.99196553,"punctuated_word":"off","sentiment":"negative","sentiment_score":-0.385067880153656},{"word":"whatever","start":427.275,"end":427.67502,"confidence":0.9906916,"punctuated_word":"whatever","sentiment":"negative","sentiment_score":-0.49292823672294617},{"word":"would","start":427.67502,"end":427.915,"confidence":0.33743924,"punctuated_word":"would","sentiment":"negative","sentiment_score":-0.4432830810546875},{"word":"it","start":427.995,"end":428.075,"confidence":0.57457095,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.5040388107299805},{"word":"takes","start":428.075,"end":428.315,"confidence":0.98996276,"punctuated_word":"takes","sentiment":"negative","sentiment_score":-0.4936749041080475},{"word":"off","start":428.315,"end":428.475,"confidence":0.9953557,"punctuated_word":"off","sentiment":"negative","sentiment_score":-0.43133315443992615},{"word":"the","start":428.475,"end":428.715,"confidence":0.9587252,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.4875265657901764},{"word":"mortgage","start":428.715,"end":429.11502,"confidence":0.99923754,"punctuated_word":"mortgage","sentiment":"negative","sentiment_score":-0.5794185996055603},{"word":"and","start":429.11502,"end":429.61502,"confidence":0.6859556,"punctuated_word":"and","sentiment":"negative","sentiment_score":-0.4264909625053406},{"word":"maybe","start":430.39502,"end":430.715,"confidence":0.9944587,"punctuated_word":"maybe","sentiment":"negative","sentiment_score":-0.48543980717659},{"word":"chase","start":430.715,"end":431.11502,"confidence":0.95534265,"punctuated_word":"chase","sentiment":"negative","sentiment_score":-0.5100044012069702},{"word":"something","start":431.11502,"end":431.515,"confidence":0.9986737,"punctuated_word":"something","sentiment":"negative","sentiment_score":-0.4247763454914093},{"word":"down","start":431.515,"end":431.755,"confidence":0.9707188,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.37660545110702515},{"word":"that","start":431.755,"end":431.995,"confidence":0.99239326,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3437154293060303},{"word":"avenue","start":431.995,"end":432.475,"confidence":0.9447245,"punctuated_word":"avenue.","sentiment":"negative","sentiment_score":-0.3427124619483948},{"word":"i'm","start":432.475,"end":432.715,"confidence":0.9849108,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2838650643825531},{"word":"not","start":432.715,"end":432.875,"confidence":0.99951077,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.25505417585372925},{"word":"sure","start":432.875,"end":433.375,"confidence":0.998931,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.25561144948005676},{"word":"yeah","start":436.875,"end":437.375,"confidence":0.9935725,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.08009647578001022},{"word":"yeah","start":438.28,"end":438.68,"confidence":0.99518335,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10559530556201936},{"word":"where","start":438.68,"end":439.0,"confidence":0.5179356,"punctuated_word":"Where","sentiment":"neutral","sentiment_score":-0.01240583136677742},{"word":"where","start":439.0,"end":439.32,"confidence":0.82369083,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.015307348221540453},{"word":"they","start":439.32,"end":439.56,"confidence":0.56350297,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.047726742923259735},{"word":"lock","start":439.56,"end":439.72,"confidence":0.42682692,"punctuated_word":"lock","sentiment":"neutral","sentiment_score":0.04308003932237625},{"word":"because","start":439.8,"end":440.04,"confidence":0.7452059,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05768252909183502},{"word":"i","start":440.04,"end":440.19998,"confidence":0.9171517,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09914150834083556},{"word":"i","start":440.19998,"end":440.28,"confidence":0.8186853,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10288050770759584},{"word":"can","start":440.28,"end":440.52,"confidence":0.9844057,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14969922602176666},{"word":"build","start":440.52,"end":441.0,"confidence":0.91057587,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.15653225779533386},{"word":"a","start":441.0,"end":441.08,"confidence":0.6955962,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1353711187839508},{"word":"build","start":441.08,"end":441.4,"confidence":0.97272235,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.09814442694187164},{"word":"a","start":441.4,"end":441.56,"confidence":0.9862083,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1212666854262352},{"word":"shed","start":441.56,"end":441.8,"confidence":0.791588,"punctuated_word":"shed","sentiment":"neutral","sentiment_score":0.13283134996891022},{"word":"and","start":441.8,"end":442.3,"confidence":0.7831271,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0796833485364914},{"word":"and","start":442.52,"end":442.68,"confidence":0.52667576,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07925708591938019},{"word":"i","start":442.68,"end":442.75998,"confidence":0.9874228,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10093572735786438},{"word":"can","start":442.75998,"end":442.91998,"confidence":0.993385,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1278592199087143},{"word":"do","start":442.91998,"end":443.08,"confidence":0.9975381,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.10016141831874847},{"word":"this","start":443.08,"end":443.4,"confidence":0.9952514,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.09516424685716628},{"word":"concreting","start":443.4,"end":443.9,"confidence":0.9266126,"punctuated_word":"concreting.","sentiment":"neutral","sentiment_score":0.12734022736549375},{"word":"i","start":444.84,"end":444.91998,"confidence":0.9945998,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07955997437238693},{"word":"could","start":444.91998,"end":445.16,"confidence":0.9967789,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.09211205691099168},{"word":"yeah","start":445.24,"end":445.4,"confidence":0.87161905,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07719549536705017},{"word":"if","start":445.4,"end":445.63998,"confidence":0.93913716,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.05353247746825218},{"word":"i","start":445.63998,"end":445.72,"confidence":0.99743026,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06506715714931488},{"word":"bought","start":445.72,"end":445.96,"confidence":0.98506236,"punctuated_word":"bought","sentiment":"neutral","sentiment_score":0.06497260928153992},{"word":"a","start":445.96,"end":446.12,"confidence":0.99377644,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06589675694704056},{"word":"block","start":446.12,"end":446.36,"confidence":0.99854314,"punctuated_word":"block","sentiment":"neutral","sentiment_score":0.05929585546255112},{"word":"and","start":446.36,"end":446.86,"confidence":0.9817407,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04087211936712265},{"word":"done","start":447.0,"end":447.24,"confidence":0.74969506,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.030094202607870105},{"word":"went","start":447.47998,"end":447.72,"confidence":0.92558557,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.04305502772331238},{"word":"down","start":447.72,"end":448.03998,"confidence":0.9745374,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.04707381874322891},{"word":"that","start":448.03998,"end":448.19998,"confidence":0.9671062,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03852276876568794},{"word":"alley","start":448.19998,"end":448.52,"confidence":0.70937544,"punctuated_word":"alley.","sentiment":"neutral","sentiment_score":0.029341042041778564},{"word":"i'm","start":448.52,"end":449.02,"confidence":0.70293903,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.032761216163635254},{"word":"it'd","start":449.655,"end":449.815,"confidence":0.50545555,"punctuated_word":"It'd","sentiment":"neutral","sentiment_score":0.047190263867378235},{"word":"be","start":449.815,"end":449.89502,"confidence":0.7613401,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.02846284955739975},{"word":"up","start":449.89502,"end":450.135,"confidence":0.95605,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.03515060618519783},{"word":"in","start":450.135,"end":450.295,"confidence":0.62879694,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.034006115049123764},{"word":"a","start":450.295,"end":450.375,"confidence":0.40646982,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.028922492638230324},{"word":"home","start":450.375,"end":450.535,"confidence":0.68580085,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":0.005318259820342064},{"word":"i'm","start":450.535,"end":450.695,"confidence":0.9940892,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.118327759206295},{"word":"not","start":450.695,"end":450.855,"confidence":0.9980794,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09587731212377548},{"word":"not","start":450.855,"end":451.015,"confidence":0.9679147,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.11337645351886748},{"word":"a","start":451.015,"end":451.17502,"confidence":0.9679356,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1145818829536438},{"word":"100%","start":451.17502,"end":451.73502,"confidence":0.99236095,"punctuated_word":"100%","sentiment":"neutral","sentiment_score":-0.0955144613981247},{"word":"sure","start":451.73502,"end":452.23502,"confidence":0.7314168,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.07573909312486649},{"word":"but","start":463.095,"end":463.595,"confidence":0.83568054,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.014056574553251266},{"word":"yep","start":464.135,"end":464.635,"confidence":0.94005126,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.034045424312353134},{"word":"okay","start":464.775,"end":465.275,"confidence":0.99562275,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.052496153861284256},{"word":"yep","start":469.19998,"end":469.69998,"confidence":0.99699724,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.004341874271631241},{"word":"yep","start":502.72,"end":503.22,"confidence":0.8577956,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05954277515411377},{"word":"yes","start":503.36,"end":503.86,"confidence":0.8962084,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08063314855098724},{"word":"yeah","start":503.91998,"end":504.41998,"confidence":0.9074274,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09066396951675416},{"word":"yep","start":516.095,"end":516.595,"confidence":0.97886735,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.14794433116912842},{"word":"yep","start":518.57,"end":519.07,"confidence":0.75062513,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1504562944173813},{"word":"okay","start":519.29004,"end":519.79004,"confidence":0.75131583,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1602996438741684},{"word":"yeah","start":538.265,"end":538.765,"confidence":0.70384306,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06199242919683456},{"word":"yeah","start":538.825,"end":539.325,"confidence":0.74455273,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03778086230158806},{"word":"yes","start":555.07996,"end":555.57996,"confidence":0.7913502,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2864587604999542},{"word":"yeah","start":565.96497,"end":566.445,"confidence":0.86490035,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16482090950012207},{"word":"the","start":566.445,"end":566.605,"confidence":0.38184488,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.11920087039470673},{"word":"last","start":566.605,"end":566.925,"confidence":0.9431795,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.06448718905448914},{"word":"one","start":566.925,"end":567.425,"confidence":0.8415425,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.05734643712639809},{"word":"yes","start":574.14996,"end":574.47,"confidence":0.90675926,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2785797119140625},{"word":"that's","start":574.47,"end":574.70996,"confidence":0.7758181,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3869662880897522},{"word":"very","start":574.70996,"end":574.95,"confidence":0.8947457,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.4332811236381531},{"word":"true","start":574.95,"end":575.45,"confidence":0.99942213,"punctuated_word":"true.","sentiment":"positive","sentiment_score":0.4288029968738556},{"word":"yeah","start":579.35,"end":579.67,"confidence":0.9103366,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15393298864364624},{"word":"okay","start":579.67,"end":580.17,"confidence":0.9101359,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.136182963848114},{"word":"yep","start":582.39,"end":582.89,"confidence":0.9811483,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.25518953800201416},{"word":"yeah","start":594.355,"end":594.835,"confidence":0.661599,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0996488481760025},{"word":"okay","start":594.835,"end":595.15497,"confidence":0.829638,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07039038836956024},{"word":"i","start":595.15497,"end":595.315,"confidence":0.9131407,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01173393428325653},{"word":"know","start":595.315,"end":595.555,"confidence":0.969849,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.04280179738998413},{"word":"the","start":595.555,"end":595.635,"confidence":0.44928354,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06217091530561447},{"word":"drama","start":595.635,"end":596.135,"confidence":0.99093825,"punctuated_word":"drama.","sentiment":"neutral","sentiment_score":-0.1124507486820221},{"word":"well","start":605.2,"end":605.7,"confidence":0.6649502,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.1799597144126892},{"word":"in","start":606.96,"end":607.2,"confidence":0.3352924,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.28496015071868896},{"word":"the","start":607.2,"end":607.28,"confidence":0.97760814,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2410672903060913},{"word":"best","start":607.28,"end":607.60004,"confidence":0.99923086,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.2662651538848877},{"word":"interest","start":607.60004,"end":607.92004,"confidence":0.9823744,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.2541835606098175},{"word":"yeah","start":608.0,"end":608.24,"confidence":0.95283467,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.28588980436325073},{"word":"like","start":608.24,"end":608.56,"confidence":0.87322307,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.1859418749809265},{"word":"i'd","start":608.56,"end":608.8,"confidence":0.95539474,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.2168774306774139},{"word":"i'd","start":608.8,"end":609.04004,"confidence":0.99418247,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.25689810514450073},{"word":"probably","start":609.04004,"end":609.28,"confidence":0.99362636,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.2773217558860779},{"word":"i","start":609.52,"end":609.76,"confidence":0.99886286,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2158900648355484},{"word":"think","start":609.76,"end":610.26,"confidence":0.686912,"punctuated_word":"think,","sentiment":"neutral","sentiment_score":-0.18542978167533877},{"word":"see","start":610.72003,"end":610.96,"confidence":0.6088522,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.24392327666282657},{"word":"what","start":610.96,"end":611.12,"confidence":0.77254707,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.2206330448389053},{"word":"this","start":611.12,"end":611.36005,"confidence":0.8526356,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.26354557275772095},{"word":"all","start":611.36005,"end":611.60004,"confidence":0.74507856,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.21798504889011383},{"word":"happened","start":611.60004,"end":611.92004,"confidence":0.78041154,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.21629758179187775},{"word":"what","start":612.0,"end":612.24,"confidence":0.9824699,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.24314171075820923},{"word":"all","start":612.24,"end":612.4,"confidence":0.48807794,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.2491024136543274},{"word":"happened","start":612.4,"end":612.72003,"confidence":0.64013267,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.251950204372406},{"word":"to","start":612.72003,"end":612.8,"confidence":0.56122774,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.27255260944366455},{"word":"you","start":612.8,"end":612.88,"confidence":0.8861442,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.24651071429252625},{"word":"and","start":612.88,"end":613.38,"confidence":0.6852907,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2050175666809082},{"word":"and","start":614.24,"end":614.74,"confidence":0.630288,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.22237399220466617},{"word":"the","start":617.045,"end":617.125,"confidence":0.58345747,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3958173096179962},{"word":"settled","start":617.125,"end":617.52496,"confidence":0.3000268,"punctuated_word":"settled","sentiment":"negative","sentiment_score":-0.4796985685825348},{"word":"panel","start":617.52496,"end":617.925,"confidence":0.44283643,"punctuated_word":"panel","sentiment":"negative","sentiment_score":-0.4835476279258728},{"word":"got","start":617.925,"end":618.08496,"confidence":0.49507937,"punctuated_word":"got","sentiment":"negative","sentiment_score":-0.44582051038742065},{"word":"us","start":618.08496,"end":618.245,"confidence":0.7260409,"punctuated_word":"us","sentiment":"negative","sentiment_score":-0.5049204230308533},{"word":"crazy","start":618.245,"end":618.745,"confidence":0.9890513,"punctuated_word":"crazy","sentiment":"negative","sentiment_score":-0.5174843668937683},{"word":"or","start":618.805,"end":619.305,"confidence":0.504512,"punctuated_word":"or","sentiment":"negative","sentiment_score":-0.45787641406059265},{"word":"i'd","start":620.08496,"end":620.245,"confidence":0.75994134,"punctuated_word":"I'd","sentiment":"negative","sentiment_score":-0.5037883520126343},{"word":"probably","start":620.245,"end":620.565,"confidence":0.99637467,"punctuated_word":"probably","sentiment":"negative","sentiment_score":-0.5494729280471802},{"word":"be","start":620.565,"end":620.725,"confidence":0.7612911,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.6030389666557312},{"word":"mad","start":620.725,"end":620.96497,"confidence":0.98613095,"punctuated_word":"mad","sentiment":"negative","sentiment_score":-0.6250469088554382},{"word":"to","start":620.96497,"end":621.46497,"confidence":0.86159027,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5846403241157532},{"word":"sort","start":622.245,"end":622.485,"confidence":0.6852401,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.551001787185669},{"word":"of","start":622.485,"end":622.565,"confidence":0.6620782,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5349298119544983},{"word":"get","start":622.565,"end":622.725,"confidence":0.98877,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.6324331164360046},{"word":"rid","start":622.725,"end":622.885,"confidence":0.9979943,"punctuated_word":"rid","sentiment":"negative","sentiment_score":-0.5376704931259155},{"word":"of","start":622.885,"end":623.045,"confidence":0.9923036,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.5561736226081848},{"word":"it","start":623.045,"end":623.20496,"confidence":0.7197087,"punctuated_word":"it.","sentiment":"negative","sentiment_score":-0.40402722358703613},{"word":"wouldn't","start":623.20496,"end":623.70496,"confidence":0.84384143,"punctuated_word":"Wouldn't","sentiment":"neutral","sentiment_score":-0.11422903835773468},{"word":"yep","start":636.20996,"end":636.70996,"confidence":0.97814727,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.054836541414260864},{"word":"yep","start":654.005,"end":654.505,"confidence":0.84310305,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4784553647041321},{"word":"yeah","start":675.205,"end":675.705,"confidence":0.81035197,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11168520152568816},{"word":"fair","start":675.925,"end":676.245,"confidence":0.64316624,"punctuated_word":"Fair","sentiment":"neutral","sentiment_score":0.17156904935836792},{"word":"enough","start":676.245,"end":676.745,"confidence":0.9907187,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":0.15026934444904327},{"word":"yeah","start":678.885,"end":678.965,"confidence":0.65611184,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10251040011644363},{"word":"for","start":678.965,"end":679.28503,"confidence":0.59338695,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.08993401378393173},{"word":"all","start":679.28503,"end":679.445,"confidence":0.72841054,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.09738726913928986},{"word":"my","start":679.445,"end":679.685,"confidence":0.9199641,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.07992006838321686},{"word":"sales","start":679.685,"end":680.005,"confidence":0.59816813,"punctuated_word":"sales","sentiment":"neutral","sentiment_score":0.119510218501091},{"word":"of","start":680.005,"end":680.165,"confidence":0.26919964,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05599922314286232},{"word":"it","start":680.165,"end":680.665,"confidence":0.74224967,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.0725351944565773},{"word":"no","start":685.77,"end":686.27,"confidence":0.80838984,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1855815351009369},{"word":"yeah","start":697.29004,"end":697.79004,"confidence":0.8586583,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.030686747282743457},{"word":"okay","start":701.585,"end":702.085,"confidence":0.8063215,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07437843829393387},{"word":"yep","start":704.385,"end":704.885,"confidence":0.99672997,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0517265610396862},{"word":"yep","start":723.82,"end":724.32,"confidence":0.7413175,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.04760725051164627},{"word":"yeah","start":725.82,"end":726.30005,"confidence":0.73828965,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.010641755536198616},{"word":"yep","start":726.30005,"end":726.735,"confidence":0.9840616,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0031282815616577864},{"word":"yeah","start":726.975,"end":727.135,"confidence":0.99608785,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.009725835174322128},{"word":"i'd","start":727.135,"end":727.375,"confidence":0.8142086,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.047519080340862274},{"word":"be","start":727.375,"end":727.615,"confidence":0.7085965,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.06063368543982506},{"word":"yeah","start":727.695,"end":727.77496,"confidence":0.7062095,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.0515667125582695},{"word":"probably","start":727.77496,"end":728.175,"confidence":0.72875553,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":-0.08811189234256744},{"word":"would","start":728.175,"end":728.495,"confidence":0.7633358,"punctuated_word":"would,","sentiment":"neutral","sentiment_score":-0.09387855976819992},{"word":"but","start":728.495,"end":728.995,"confidence":0.9989932,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.10625912994146348},{"word":"no","start":732.015,"end":732.255,"confidence":0.97427845,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.08118937164545059},{"word":"that'll","start":732.255,"end":732.65497,"confidence":0.98489344,"punctuated_word":"That'll","sentiment":"positive","sentiment_score":0.5392432808876038},{"word":"be","start":732.65497,"end":732.815,"confidence":0.9988452,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.537748396396637},{"word":"fine","start":732.815,"end":733.315,"confidence":0.99825317,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.4423607289791107},{"word":"no","start":738.65497,"end":739.055,"confidence":0.9014714,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.1957787573337555},{"word":"thanks","start":739.055,"end":739.375,"confidence":0.99586016,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.5619392395019531},{"word":"for","start":739.375,"end":739.535,"confidence":0.67857075,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4973784983158112},{"word":"all","start":739.535,"end":739.695,"confidence":0.9515781,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.394666463136673},{"word":"this","start":739.695,"end":740.195,"confidence":0.60588235,"punctuated_word":"this.","sentiment":"positive","sentiment_score":0.34934741258621216},{"word":"sort","start":740.61,"end":740.85,"confidence":0.8935718,"punctuated_word":"Sort","sentiment":"neutral","sentiment_score":0.1380508542060852},{"word":"of","start":740.85,"end":741.08997,"confidence":0.824268,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.28424742817878723},{"word":"summed","start":741.08997,"end":741.41,"confidence":0.9585735,"punctuated_word":"summed","sentiment":"neutral","sentiment_score":0.2581464350223541},{"word":"it","start":741.41,"end":741.57,"confidence":0.99027425,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3015292286872864},{"word":"up","start":741.57,"end":741.73,"confidence":0.9995442,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.3577969968318939},{"word":"and","start":741.73,"end":742.13,"confidence":0.7514575,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20163606107234955},{"word":"give","start":742.13,"end":742.63,"confidence":0.6528768,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.34565234184265137},{"word":"me","start":742.77,"end":742.89,"confidence":0.96845967,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.4288574159145355},{"word":"a","start":742.89,"end":743.01,"confidence":0.9841182,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35960546135902405},{"word":"bit","start":743.01,"end":743.17,"confidence":0.97852314,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.23755289614200592},{"word":"yeah","start":743.25,"end":743.57,"confidence":0.9891609,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.3052051067352295},{"word":"i","start":743.57,"end":743.73,"confidence":0.9952389,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06630539149045944},{"word":"sort","start":743.73,"end":743.97,"confidence":0.9657065,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.06223133206367493},{"word":"of","start":743.97,"end":744.13,"confidence":0.9066371,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10249454528093338},{"word":"thought","start":744.13,"end":744.37,"confidence":0.98709875,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.1002589911222458},{"word":"that","start":744.37,"end":744.61,"confidence":0.9418367,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06813232600688934},{"word":"anyway","start":744.61,"end":745.11,"confidence":0.61845034,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":0.06060777232050896},{"word":"but","start":746.05,"end":746.29,"confidence":0.94855565,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.048464879393577576},{"word":"i","start":746.29,"end":746.37,"confidence":0.9119649,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05166409909725189},{"word":"just","start":746.37,"end":746.52997,"confidence":0.9977108,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10006214678287506},{"word":"want","start":746.52997,"end":746.65,"confidence":0.58871,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.11865343898534776},{"word":"to","start":746.65,"end":746.77,"confidence":0.95693433,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14629217982292175},{"word":"yeah","start":747.08997,"end":747.25,"confidence":0.7420906,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.10334458202123642},{"word":"haven't","start":747.25,"end":747.57,"confidence":0.73069894,"punctuated_word":"Haven't","sentiment":"neutral","sentiment_score":-0.0034760087728500366},{"word":"haven't","start":747.57,"end":748.07,"confidence":0.7805047,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.01551491767168045},{"word":"gone","start":748.13,"end":748.37,"confidence":0.3198692,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.015730299055576324},{"word":"to","start":748.37,"end":748.52997,"confidence":0.9771031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03551068156957626},{"word":"you","start":748.52997,"end":748.69,"confidence":0.97479564,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01480838656425476},{"word":"and","start":748.69,"end":748.85,"confidence":0.95362,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012391909956932068},{"word":"see","start":748.85,"end":749.08997,"confidence":0.91498846,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06827636808156967},{"word":"what","start":749.08997,"end":749.25,"confidence":0.97825545,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.03274959325790405},{"word":"your","start":749.25,"end":749.49,"confidence":0.83748275,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.010535314679145811},{"word":"thoughts","start":749.49,"end":749.81,"confidence":0.93246377,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":-0.02565319836139679},{"word":"were","start":749.81,"end":750.31,"confidence":0.88303536,"punctuated_word":"were.","sentiment":"neutral","sentiment_score":0.02984233945608139},{"word":"and","start":752.13,"end":752.63,"confidence":0.62562025,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04512910544872284},{"word":"yeah","start":756.38495,"end":756.865,"confidence":0.78436494,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12999358773231506},{"word":"oh","start":756.865,"end":757.105,"confidence":0.90461206,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.20717497169971463},{"word":"exactly","start":757.105,"end":757.605,"confidence":0.98156905,"punctuated_word":"exactly.","sentiment":"neutral","sentiment_score":0.23731639981269836},{"word":"yeah","start":771.8,"end":772.04,"confidence":0.847577,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13030260801315308},{"word":"well","start":772.04,"end":772.2,"confidence":0.9878847,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.1092195138335228},{"word":"that","start":772.2,"end":772.36,"confidence":0.9993849,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12057024985551834},{"word":"was","start":772.36,"end":772.68,"confidence":0.9993886,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.1086740493774414},{"word":"the","start":772.68,"end":772.76,"confidence":0.9986199,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.137370765209198},{"word":"whole","start":772.76,"end":772.92,"confidence":0.99846965,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.09775253385305405},{"word":"reason","start":772.92,"end":773.32,"confidence":0.9992373,"punctuated_word":"reason","sentiment":"neutral","sentiment_score":0.10366067290306091},{"word":"i","start":773.32,"end":773.4,"confidence":0.97105646,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19618964195251465},{"word":"wanted","start":773.4,"end":773.64,"confidence":0.6585788,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.2203769087791443},{"word":"to","start":773.64,"end":773.8,"confidence":0.997077,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20955103635787964},{"word":"keep","start":773.8,"end":774.2,"confidence":0.99145716,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.22107188403606415},{"word":"the","start":774.2,"end":774.27997,"confidence":0.8147187,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13438861072063446},{"word":"house","start":774.27997,"end":774.77997,"confidence":0.91997826,"punctuated_word":"house.","sentiment":"neutral","sentiment_score":0.1333017349243164},{"word":"so","start":775.88,"end":776.12,"confidence":0.6152552,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09265907853841782},{"word":"if","start":776.12,"end":776.27997,"confidence":0.74552083,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.09994304925203323},{"word":"we're","start":776.27997,"end":776.44,"confidence":0.9238341,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10887190699577332},{"word":"in","start":776.44,"end":776.6,"confidence":0.9939215,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.01550978422164917},{"word":"a","start":776.6,"end":776.92,"confidence":0.9826744,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04431954026222229},{"word":"situation","start":776.92,"end":777.42,"confidence":0.9534435,"punctuated_word":"situation,","sentiment":"neutral","sentiment_score":0.03487668186426163},{"word":"we","start":777.48,"end":777.64,"confidence":0.9996675,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06803925335407257},{"word":"could've","start":777.64,"end":778.14,"confidence":0.75005245,"punctuated_word":"could've","sentiment":"neutral","sentiment_score":0.021400099620223045},{"word":"left","start":779.32,"end":779.56,"confidence":0.8509657,"punctuated_word":"left","sentiment":"neutral","sentiment_score":-0.0501515120267868},{"word":"it","start":779.56,"end":779.72,"confidence":0.9303401,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.021023377776145935},{"word":"to","start":779.72,"end":779.88,"confidence":0.9862568,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.029179304838180545},{"word":"the","start":779.88,"end":779.96,"confidence":0.9174064,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0056722164154052734},{"word":"kids","start":779.96,"end":780.27997,"confidence":0.99912876,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":0.06886613368988037},{"word":"or","start":780.27997,"end":780.77997,"confidence":0.69593096,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.01654002070426941},{"word":"that","start":781.64,"end":781.88,"confidence":0.989475,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04563656449317932},{"word":"was","start":781.88,"end":782.12,"confidence":0.99826705,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.01101730763912201},{"word":"our","start":782.12,"end":782.36,"confidence":0.8986417,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.04701562225818634},{"word":"super","start":782.36,"end":782.76,"confidence":0.9632059,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.18002590537071228},{"word":"or","start":782.76,"end":783.225,"confidence":0.5485935,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07470513135194778},{"word":"yeah","start":784.26495,"end":784.505,"confidence":0.98760974,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.102204829454422},{"word":"that","start":784.505,"end":784.745,"confidence":0.98540163,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1138281375169754},{"word":"was","start":784.745,"end":784.90497,"confidence":0.9964173,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04063546657562256},{"word":"my","start":784.90497,"end":785.065,"confidence":0.87610954,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.11327014863491058},{"word":"end","start":785.065,"end":785.305,"confidence":0.9578744,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.11784214526414873},{"word":"plan","start":785.305,"end":785.805,"confidence":0.8236438,"punctuated_word":"plan,","sentiment":"neutral","sentiment_score":0.12361101061105728},{"word":"really","start":785.94495,"end":786.44495,"confidence":0.9903046,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":0.1291690170764923},{"word":"yeah","start":804.55,"end":805.02997,"confidence":0.7338755,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09537112712860107},{"word":"yeah","start":805.02997,"end":805.52997,"confidence":0.88875693,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12740938365459442},{"word":"hi","start":806.87,"end":807.11,"confidence":0.9109932,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.142281174659729},{"word":"thomas","start":807.11,"end":807.61,"confidence":0.67859447,"punctuated_word":"Thomas.","sentiment":"neutral","sentiment_score":0.0904972404241562},{"word":"well","start":812.735,"end":812.975,"confidence":0.92198575,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.30468040704727173},{"word":"that's","start":812.975,"end":813.21497,"confidence":0.89617205,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.4426707923412323},{"word":"good","start":813.21497,"end":813.71497,"confidence":0.64175934,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4050189256668091},{"word":"that","start":814.65497,"end":814.89496,"confidence":0.89494455,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1368153840303421},{"word":"was","start":814.89496,"end":815.13495,"confidence":0.9908093,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.13803178071975708},{"word":"the","start":815.13495,"end":815.235,"confidence":0.9207355,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1077287346124649},{"word":"the","start":815.235,"end":815.33496,"confidence":0.41974252,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10257071256637572},{"word":"o","start":815.33496,"end":815.43494,"confidence":0.5141855,"punctuated_word":"o","sentiment":"neutral","sentiment_score":0.1066148206591606},{"word":"d","start":815.43494,"end":815.535,"confidence":0.44783378,"punctuated_word":"d","sentiment":"neutral","sentiment_score":0.0765576884150505},{"word":"e","start":815.535,"end":816.035,"confidence":0.60301614,"punctuated_word":"e.","sentiment":"neutral","sentiment_score":0.09664785116910934},{"word":"yep","start":822.57495,"end":823.07495,"confidence":0.99612767,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11152540147304536},{"word":"okay","start":835.36,"end":835.86,"confidence":0.9624641,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.21373718976974487},{"word":"hi","start":836.08,"end":836.32,"confidence":0.64418364,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.2822960615158081},{"word":"thomas","start":836.32,"end":836.82,"confidence":0.7866129,"punctuated_word":"Thomas.","sentiment":"neutral","sentiment_score":0.24433591961860657},{"word":"alright","start":838.96,"end":839.28,"confidence":0.9144825,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.5626962184906006},{"word":"thanks","start":839.28,"end":839.68,"confidence":0.8968155,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.7002911567687988},{"word":"cole","start":839.68,"end":840.105,"confidence":0.6914644,"punctuated_word":"Cole.","sentiment":"neutral","sentiment_score":0.18931534886360168},{"word":"yep","start":841.385,"end":841.885,"confidence":0.9961389,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1032307967543602},{"word":"okay","start":846.26495,"end":846.745,"confidence":0.9927564,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.1687823385000229},{"word":"not","start":846.745,"end":846.90497,"confidence":0.9707709,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.1913948655128479},{"word":"a","start":846.90497,"end":847.065,"confidence":0.99747986,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.026032954454421997},{"word":"drama","start":847.065,"end":847.385,"confidence":0.6246662,"punctuated_word":"drama","sentiment":"neutral","sentiment_score":-0.12080882489681244},{"word":"at","start":847.385,"end":847.545,"confidence":0.9983778,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06155218183994293},{"word":"all","start":847.545,"end":848.045,"confidence":0.9988265,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.07732346653938293},{"word":"okay","start":849.46497,"end":849.96497,"confidence":0.9959862,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.4665130972862244},{"word":"thank","start":850.345,"end":850.58496,"confidence":0.9964371,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6046190857887268},{"word":"you","start":850.58496,"end":851.065,"confidence":0.99724257,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4378477334976196},{"word":"see","start":851.065,"end":851.305,"confidence":0.91716856,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.48590198159217834},{"word":"you","start":851.305,"end":851.805,"confidence":0.8802134,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":-0.12660738825798035}],"paragraphs":{"transcript":"\nHello? Good afternoon. Good call. Hey, buddy. Yeah.\n\nYeah. It was just a question. When we were talking about the rental, the account, it sort of said that going a little bit backwards because we're paying mostly tax on the rent. So he didn't actually try to sell it. He said, I'm not telling you to sell it, but he said, yeah, he sort of thought it'd be better off selling it, putting it on the mortgage, and then sort of maybe rebullying and making that a bit more of a positive debt.\n\nIf you sort of get me Yep. Yep. Yep. Daniel Patrick Mullins. 769981 And 83 Moslems Lane, Manildra.\n\nYeah. Yeah. Would that be would give us a that'd be the best audio. Yep. Yeah.\n\nOkay. Well, I shouldn't. Should I because of I sort of I've owned that since I was seven. 68, I think. Oh, well well, I'm well, I'm forty forty five this year, and we only moved out of it last year.\n\nYeah. Yep. Well, I probably wouldn't buy straight away. Like, it's not I'm not like, it's not we just yeah. See what this all these bloody situations doing.\n\nLook with, you know, the fuel and the cost of living will probably go up. And then maybe the price of property might go down too. Like, you don't know. Yep. Yep.\n\nYeah. Yes. Yeah. Okay. Win win.\n\nOh, a win loss over otherwise, isn't it? Yep. Well, that's alright. Yeah. That would be the next.\n\nYep. Yes. Yep. Yep. Yep.\n\nThat's it. Yeah. I don't think we'd I don't reckon we'd leave it, like, twelve months or anything. But, yeah, there's a couple of options I've thought of, but yes. Well well, I was talking to a mate, and he's got just a problem at worst with him.\n\nAnd he's actually sold all these houses and gone into sort of industrial shed. You know? And there's no upkeep, but he gets good return as a rental. And yeah. Like, what's the worst I can do?\n\nPut a dent in the sheet. And I was sort of thinking down that alley, like, get rid of this, take off whatever would it takes off the mortgage and maybe chase something down that avenue. I'm not sure. Yeah. Yeah.\n\nWhere where they lock because I I can build a build a shed and and I can do this concreting. I could yeah. If I bought a block and done went down that alley. I'm It'd be up in a home. I'm not not a 100% sure.\n\nBut yep. Okay. Yep. Yep. Yes.\n\nYeah. Yep. Yep. Okay. Yeah.\n\nYeah. Yes. Yeah. The last one. Yes.\n\nThat's very true. Yeah. Okay. Yep. Yeah.\n\nOkay. I know the drama. Well, in the best interest yeah. Like, I'd I'd probably I think, see what this all happened what all happened to you and and the settled panel got us crazy or I'd probably be mad to sort of get rid of it. Wouldn't Yep.\n\nYep. Yeah. Fair enough. Yeah. For all my sales of it.\n\nNo. Yeah. Okay. Yep. Yep.\n\nYeah. Yep. Yeah. I'd be yeah. Probably would, but no.\n\nThat'll be fine. No. Thanks for all this. Sort of summed it up and give me a bit yeah. I sort of thought that anyway, but I just want to yeah.\n\nHaven't haven't gone to you and see what your thoughts were. And Yeah. Oh, exactly. Yeah. Well, that was the whole reason I wanted to keep the house.\n\nSo if we're in a situation, we could've left it to the kids or that was our super or yeah, that was my end plan, really. Yeah. Yeah. Hi, Thomas. Well, that's good.\n\nThat was the the o d e. Yep. Okay. Hi, Thomas. Alright.\n\nThanks, Cole. Yep. Okay. Not a drama at all. Okay.\n\nThank you. See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.04851830005645752},{"text":"Good afternoon.","start":3.12,"end":3.78,"sentiment":"neutral","sentiment_score":0.3242008835077286},{"text":"Good call.","start":6.0,"end":6.48,"sentiment":"positive","sentiment_score":0.4048686921596527},{"text":"Hey, buddy.","start":6.48,"end":7.22,"sentiment":"neutral","sentiment_score":0.27045612037181854},{"text":"Yeah.","start":12.255,"end":12.495,"sentiment":"neutral","sentiment_score":0.041360992938280106}],"sentiment":"neutral","sentiment_score":0.26111633563414216,"num_words":8,"start":1.28,"end":12.495},{"sentences":[{"text":"Yeah.","start":12.495,"end":12.895,"sentiment":"neutral","sentiment_score":0.007178189232945442},{"text":"It was just a question.","start":12.895,"end":14.195001,"sentiment":"neutral","sentiment_score":-0.03707542568445206},{"text":"When we were talking about the rental, the account, it sort of said that going a little bit backwards because we're paying mostly tax on the rent.","start":14.735001,"end":26.67,"sentiment":"neutral","sentiment_score":-0.12988932320365199},{"text":"So he didn't actually try to sell it.","start":28.83,"end":33.15,"sentiment":"neutral","sentiment_score":-0.23957758583128452},{"text":"He said, I'm not telling you to sell it, but he said, yeah, he sort of thought it'd be better off selling it, putting it on the mortgage, and then sort of maybe rebullying and making that a bit more of a positive debt.","start":33.15,"end":48.324997,"sentiment":"neutral","sentiment_score":-0.1778381640430201}],"sentiment":"neutral","sentiment_score":-0.157961300826248,"num_words":85,"start":12.495,"end":48.324997},{"sentences":[{"text":"If you sort of get me Yep.","start":49.265,"end":56.18,"sentiment":"neutral","sentiment_score":-0.02445521524974278},{"text":"Yep.","start":57.36,"end":57.86,"sentiment":"neutral","sentiment_score":0.008560525253415108},{"text":"Yep.","start":58.88,"end":59.36,"sentiment":"neutral","sentiment_score":0.010756704024970531},{"text":"Daniel Patrick Mullins.","start":59.36,"end":60.9,"sentiment":"neutral","sentiment_score":0.013241497799754143},{"text":"769981 And 83 Moslems Lane, Manildra.","start":61.36,"end":66.020004,"sentiment":"neutral","sentiment_score":0.021652560060222942}],"sentiment":"neutral","sentiment_score":0.0009872542383770149,"num_words":18,"start":49.265,"end":66.020004},{"sentences":[{"text":"Yeah.","start":80.715,"end":81.215,"sentiment":"neutral","sentiment_score":-0.2169787585735321},{"text":"Yeah.","start":88.12,"end":88.520004,"sentiment":"neutral","sentiment_score":-0.16039207577705383},{"text":"Would that be would give us a that'd be the best audio.","start":88.520004,"end":92.54,"sentiment":"neutral","sentiment_score":-0.13218912730614343},{"text":"Yep.","start":131.175,"end":131.675,"sentiment":"neutral","sentiment_score":0.17244449257850647},{"text":"Yeah.","start":133.33499,"end":133.655,"sentiment":"neutral","sentiment_score":0.12801417708396912}],"sentiment":"neutral","sentiment_score":-0.10394885577261448,"num_words":16,"start":80.715,"end":133.655},{"sentences":[{"text":"Okay.","start":133.655,"end":134.155,"sentiment":"neutral","sentiment_score":-0.026889320462942123},{"text":"Well, I shouldn't.","start":143.38,"end":144.1,"sentiment":"neutral","sentiment_score":-0.31111451983451843},{"text":"Should I because of I sort of I've owned that since I was seven.","start":144.1,"end":148.04,"sentiment":"neutral","sentiment_score":-0.23481261730194092},{"text":"68, I think.","start":155.70499,"end":156.92499,"sentiment":"neutral","sentiment_score":-0.010771689936518669},{"text":"Oh, well well, I'm well, I'm forty forty five this year, and we only moved out of it last year.","start":171.31,"end":181.61499,"sentiment":"neutral","sentiment_score":-0.019550043111667036}],"sentiment":"neutral","sentiment_score":-0.11392501107894065,"num_words":41,"start":133.655,"end":181.61499},{"sentences":[{"text":"Yeah.","start":181.61499,"end":182.11499,"sentiment":"neutral","sentiment_score":-0.0021784529089927673},{"text":"Yep.","start":190.015,"end":190.515,"sentiment":"neutral","sentiment_score":0.029469769448041916},{"text":"Well, I probably wouldn't buy straight away.","start":195.09999,"end":197.34,"sentiment":"neutral","sentiment_score":-0.3113000669649669},{"text":"Like, it's not I'm not like, it's not we just yeah.","start":197.34,"end":201.98,"sentiment":"neutral","sentiment_score":-0.32868369059129193},{"text":"See what this all these bloody situations doing.","start":201.98,"end":205.92,"sentiment":"negative","sentiment_score":-0.4352337159216404}],"sentiment":"neutral","sentiment_score":-0.3303285527176091,"num_words":28,"start":181.61499,"end":205.92},{"sentences":[{"text":"Look with, you know, the fuel and the cost of living will probably go up.","start":208.065,"end":212.80501,"sentiment":"neutral","sentiment_score":-0.2698179503281911},{"text":"And then maybe the price of property might go down too.","start":214.30501,"end":218.38501,"sentiment":"neutral","sentiment_score":-0.27827659384770825},{"text":"Like, you don't know.","start":218.38501,"end":219.48,"sentiment":"neutral","sentiment_score":-0.2386491522192955},{"text":"Yep.","start":228.51999,"end":229.01999,"sentiment":"neutral","sentiment_score":-0.0724872499704361},{"text":"Yep.","start":236.28499,"end":236.78499,"sentiment":"neutral","sentiment_score":0.1289912313222885}],"sentiment":"neutral","sentiment_score":-0.25020013796165586,"num_words":32,"start":208.065,"end":236.78499},{"sentences":[{"text":"Yeah.","start":243.00499,"end":243.50499,"sentiment":"neutral","sentiment_score":0.0532032772898674},{"text":"Yes.","start":252.28,"end":252.78,"sentiment":"neutral","sentiment_score":0.1310552954673767},{"text":"Yeah.","start":270.275,"end":270.595,"sentiment":"neutral","sentiment_score":0.13975226879119873},{"text":"Okay.","start":270.595,"end":271.095,"sentiment":"neutral","sentiment_score":0.18359535932540896},{"text":"Win win.","start":275.68,"end":276.19998,"sentiment":"neutral","sentiment_score":0.3021731525659561}],"sentiment":"neutral","sentiment_score":0.18532541766762733,"num_words":6,"start":243.00499,"end":276.19998},{"sentences":[{"text":"Oh, a win loss over otherwise, isn't it?","start":276.19998,"end":278.97998,"sentiment":"neutral","sentiment_score":-0.020515333861112595},{"text":"Yep.","start":288.31998,"end":288.81998,"sentiment":"neutral","sentiment_score":0.17882394790649414},{"text":"Well, that's alright.","start":299.38498,"end":300.525,"sentiment":"neutral","sentiment_score":0.2825855116049449},{"text":"Yeah.","start":302.10498,"end":302.505,"sentiment":"neutral","sentiment_score":0.2984248995780945},{"text":"That would be the next.","start":302.505,"end":303.63,"sentiment":"neutral","sentiment_score":0.2675847947597504}],"sentiment":"neutral","sentiment_score":0.13882259362273747,"num_words":18,"start":276.19998,"end":303.63},{"sentences":[{"text":"Yep.","start":311.71,"end":312.21,"sentiment":"neutral","sentiment_score":0.2856597602367401},{"text":"Yes.","start":327.685,"end":328.185,"sentiment":"neutral","sentiment_score":-0.0629422664642334},{"text":"Yep.","start":334.9,"end":335.4,"sentiment":"neutral","sentiment_score":0.23041121661663055},{"text":"Yep.","start":349.155,"end":349.655,"sentiment":"neutral","sentiment_score":0.13590073585510254},{"text":"Yep.","start":351.39502,"end":351.875,"sentiment":"neutral","sentiment_score":0.17516884207725525}],"sentiment":"neutral","sentiment_score":0.15283965766429902,"num_words":5,"start":311.71,"end":351.875},{"sentences":[{"text":"That's it.","start":351.875,"end":352.695,"sentiment":"neutral","sentiment_score":0.23478472232818604},{"text":"Yeah.","start":371.965,"end":372.285,"sentiment":"neutral","sentiment_score":0.02215191349387169},{"text":"I don't think we'd I don't reckon we'd leave it, like, twelve months or anything.","start":372.285,"end":377.26498,"sentiment":"neutral","sentiment_score":-0.2248315985004107},{"text":"But, yeah, there's a couple of options I've thought of, but yes.","start":378.125,"end":384.94,"sentiment":"neutral","sentiment_score":0.09659874501327674},{"text":"Well well, I was talking to a mate, and he's got just a problem at worst with him.","start":395.025,"end":402.325,"sentiment":"negative","sentiment_score":-0.3456512905864252}],"sentiment":"neutral","sentiment_score":-0.1654852272865052,"num_words":48,"start":351.875,"end":402.325},{"sentences":[{"text":"And he's actually sold all these houses and gone into sort of industrial shed.","start":402.785,"end":407.845,"sentiment":"negative","sentiment_score":-0.391720460993903},{"text":"You know?","start":409.11002,"end":409.51,"sentiment":"neutral","sentiment_score":-0.10942743346095085},{"text":"And there's no upkeep, but he gets good return as a rental.","start":409.51,"end":414.25,"sentiment":"neutral","sentiment_score":-0.028864646330475807},{"text":"And yeah.","start":415.35,"end":416.33002,"sentiment":"neutral","sentiment_score":-0.26042817533016205},{"text":"Like, what's the worst I can do?","start":416.39,"end":417.83002,"sentiment":"negative","sentiment_score":-0.5758366457053593}],"sentiment":"neutral","sentiment_score":-0.28651432290270523,"num_words":37,"start":402.785,"end":417.83002},{"sentences":[{"text":"Put a dent in the sheet.","start":417.83002,"end":419.05002,"sentiment":"negative","sentiment_score":-0.7013311187426249},{"text":"And I was sort of thinking down that alley, like, get rid of this, take off whatever would it takes off the mortgage and maybe chase something down that avenue.","start":419.91,"end":432.475,"sentiment":"negative","sentiment_score":-0.4288014968236287},{"text":"I'm not sure.","start":432.475,"end":433.375,"sentiment":"neutral","sentiment_score":-0.2648435632387797},{"text":"Yeah.","start":436.875,"end":437.375,"sentiment":"neutral","sentiment_score":-0.08009647578001022},{"text":"Yeah.","start":438.28,"end":438.68,"sentiment":"neutral","sentiment_score":-0.10559530556201936}],"sentiment":"negative","sentiment_score":-0.4402988802005605,"num_words":41,"start":417.83002,"end":438.68},{"sentences":[{"text":"Where where they lock because I I can build a build a shed and and I can do this concreting.","start":438.68,"end":443.9,"sentiment":"neutral","sentiment_score":0.09135222434997559},{"text":"I could yeah.","start":444.84,"end":445.4,"sentiment":"neutral","sentiment_score":0.08295584221680959},{"text":"If I bought a block and done went down that alley.","start":445.4,"end":448.52,"sentiment":"neutral","sentiment_score":0.04888398505069993},{"text":"I'm It'd be up in a home.","start":448.52,"end":450.535,"sentiment":"neutral","sentiment_score":0.030258829040186747},{"text":"I'm not not a 100% sure.","start":450.535,"end":452.23502,"sentiment":"neutral","sentiment_score":-0.10223616038759549}],"sentiment":"neutral","sentiment_score":0.04706448276943349,"num_words":47,"start":438.68,"end":452.23502},{"sentences":[{"text":"But yep.","start":463.095,"end":464.635,"sentiment":"neutral","sentiment_score":-0.0240509994328022},{"text":"Okay.","start":464.775,"end":465.275,"sentiment":"neutral","sentiment_score":0.052496153861284256},{"text":"Yep.","start":469.19998,"end":469.69998,"sentiment":"neutral","sentiment_score":-0.004341874271631241},{"text":"Yep.","start":502.72,"end":503.22,"sentiment":"neutral","sentiment_score":0.05954277515411377},{"text":"Yes.","start":503.36,"end":503.86,"sentiment":"neutral","sentiment_score":0.08063314855098724}],"sentiment":"neutral","sentiment_score":0.023371367404858272,"num_words":6,"start":463.095,"end":503.86},{"sentences":[{"text":"Yeah.","start":503.91998,"end":504.41998,"sentiment":"neutral","sentiment_score":0.09066396951675416},{"text":"Yep.","start":516.095,"end":516.595,"sentiment":"neutral","sentiment_score":0.14794433116912842},{"text":"Yep.","start":518.57,"end":519.07,"sentiment":"neutral","sentiment_score":0.1504562944173813},{"text":"Okay.","start":519.29004,"end":519.79004,"sentiment":"neutral","sentiment_score":0.1602996438741684},{"text":"Yeah.","start":538.265,"end":538.765,"sentiment":"neutral","sentiment_score":-0.06199242919683456}],"sentiment":"neutral","sentiment_score":0.09747436195611954,"num_words":5,"start":503.91998,"end":538.765},{"sentences":[{"text":"Yeah.","start":538.825,"end":539.325,"sentiment":"neutral","sentiment_score":-0.03778086230158806},{"text":"Yes.","start":555.07996,"end":555.57996,"sentiment":"neutral","sentiment_score":0.2864587604999542},{"text":"Yeah.","start":565.96497,"end":566.445,"sentiment":"neutral","sentiment_score":0.16482090950012207},{"text":"The last one.","start":566.445,"end":567.425,"sentiment":"neutral","sentiment_score":0.08034483219186465},{"text":"Yes.","start":574.14996,"end":574.47,"sentiment":"neutral","sentiment_score":0.2785797119140625}],"sentiment":"neutral","sentiment_score":0.13330185945544923,"num_words":7,"start":538.825,"end":574.47},{"sentences":[{"text":"That's very true.","start":574.47,"end":575.45,"sentiment":"positive","sentiment_score":0.416350136200587},{"text":"Yeah.","start":579.35,"end":579.67,"sentiment":"neutral","sentiment_score":0.15393298864364624},{"text":"Okay.","start":579.67,"end":580.17,"sentiment":"neutral","sentiment_score":0.136182963848114},{"text":"Yep.","start":582.39,"end":582.89,"sentiment":"neutral","sentiment_score":0.25518953800201416},{"text":"Yeah.","start":594.355,"end":594.835,"sentiment":"neutral","sentiment_score":0.0996488481760025}],"sentiment":"neutral","sentiment_score":0.2705721067530768,"num_words":7,"start":574.47,"end":594.835},{"sentences":[{"text":"Okay.","start":594.835,"end":595.15497,"sentiment":"neutral","sentiment_score":0.07039038836956024},{"text":"I know the drama.","start":595.15497,"end":596.135,"sentiment":"neutral","sentiment_score":-0.05142238177359104},{"text":"Well, in the best interest yeah.","start":605.2,"end":608.24,"sentiment":"neutral","sentiment_score":-0.25205427904923755},{"text":"Like, I'd I'd probably I think, see what this all happened what all happened to you and and the settled panel got us crazy or I'd probably be mad to sort of get rid of it.","start":608.24,"end":623.20496,"sentiment":"negative","sentiment_score":-0.37663281957308453},{"text":"Wouldn't Yep.","start":623.20496,"end":636.70996,"sentiment":"neutral","sentiment_score":-0.029696248471736908}],"sentiment":"neutral","sentiment_score":-0.31154691458356626,"num_words":49,"start":594.835,"end":636.70996},{"sentences":[{"text":"Yep.","start":654.005,"end":654.505,"sentiment":"positive","sentiment_score":0.4784553647041321},{"text":"Yeah.","start":675.205,"end":675.705,"sentiment":"neutral","sentiment_score":0.11168520152568816},{"text":"Fair enough.","start":675.925,"end":676.745,"sentiment":"neutral","sentiment_score":0.1609191969037056},{"text":"Yeah.","start":678.885,"end":678.965,"sentiment":"neutral","sentiment_score":0.10251040011644363},{"text":"For all my sales of it.","start":678.965,"end":680.665,"sentiment":"neutral","sentiment_score":0.08588099790116151}],"sentiment":"neutral","sentiment_score":0.13907048614187675,"num_words":11,"start":654.005,"end":680.665},{"sentences":[{"text":"No.","start":685.77,"end":686.27,"sentiment":"neutral","sentiment_score":-0.1855815351009369},{"text":"Yeah.","start":697.29004,"end":697.79004,"sentiment":"neutral","sentiment_score":-0.030686747282743457},{"text":"Okay.","start":701.585,"end":702.085,"sentiment":"neutral","sentiment_score":0.07437843829393387},{"text":"Yep.","start":704.385,"end":704.885,"sentiment":"neutral","sentiment_score":0.0517265610396862},{"text":"Yep.","start":723.82,"end":724.32,"sentiment":"neutral","sentiment_score":-0.04760725051164627}],"sentiment":"neutral","sentiment_score":-0.02755410671234131,"num_words":5,"start":685.77,"end":724.32},{"sentences":[{"text":"Yeah.","start":725.82,"end":726.30005,"sentiment":"neutral","sentiment_score":0.010641755536198616},{"text":"Yep.","start":726.30005,"end":726.735,"sentiment":"neutral","sentiment_score":0.0031282815616577864},{"text":"Yeah.","start":726.975,"end":727.135,"sentiment":"neutral","sentiment_score":-0.009725835174322128},{"text":"I'd be yeah.","start":727.135,"end":727.77496,"sentiment":"neutral","sentiment_score":-0.05323982611298561},{"text":"Probably would, but no.","start":727.77496,"end":732.255,"sentiment":"neutral","sentiment_score":-0.09235973842442036}],"sentiment":"neutral","sentiment_score":-0.0525114230113104,"num_words":10,"start":725.82,"end":732.255},{"sentences":[{"text":"That'll be fine.","start":732.255,"end":733.315,"sentiment":"positive","sentiment_score":0.5064508020877838},{"text":"No.","start":738.65497,"end":739.055,"sentiment":"neutral","sentiment_score":0.1957787573337555},{"text":"Thanks for all this.","start":739.055,"end":740.195,"sentiment":"positive","sentiment_score":0.45083290338516235},{"text":"Sort of summed it up and give me a bit yeah.","start":740.61,"end":743.57,"sentiment":"neutral","sentiment_score":0.2925709296356548},{"text":"I sort of thought that anyway, but I just want to yeah.","start":743.57,"end":747.25,"sentiment":"neutral","sentiment_score":0.08570930703232686}],"sentiment":"neutral","sentiment_score":0.2504920866941252,"num_words":31,"start":732.255,"end":747.25},{"sentences":[{"text":"Haven't haven't gone to you and see what your thoughts were.","start":747.25,"end":750.31,"sentiment":"neutral","sentiment_score":0.01592734252864664},{"text":"And Yeah.","start":752.13,"end":756.865,"sentiment":"neutral","sentiment_score":0.08756134659051895},{"text":"Oh, exactly.","start":756.865,"end":757.605,"sentiment":"neutral","sentiment_score":0.2222456857562065},{"text":"Yeah.","start":771.8,"end":772.04,"sentiment":"neutral","sentiment_score":0.13030260801315308},{"text":"Well, that was the whole reason I wanted to keep the house.","start":772.04,"end":774.77997,"sentiment":"neutral","sentiment_score":0.14934396681686243}],"sentiment":"neutral","sentiment_score":0.09704446579728808,"num_words":28,"start":747.25,"end":774.77997},{"sentences":[{"text":"So if we're in a situation, we could've left it to the kids or that was our super or yeah, that was my end plan, really.","start":775.88,"end":786.44495,"sentiment":"neutral","sentiment_score":0.05930483878518526},{"text":"Yeah.","start":804.55,"end":805.02997,"sentiment":"neutral","sentiment_score":0.09537112712860107},{"text":"Yeah.","start":805.02997,"end":805.52997,"sentiment":"neutral","sentiment_score":0.12740938365459442},{"text":"Hi, Thomas.","start":806.87,"end":807.61,"sentiment":"neutral","sentiment_score":0.1163892075419426},{"text":"Well, that's good.","start":812.735,"end":813.71497,"sentiment":"positive","sentiment_score":0.3841233750184377}],"sentiment":"neutral","sentiment_score":0.09545014725264275,"num_words":33,"start":775.88,"end":813.71497},{"sentences":[{"text":"That was the the o d e.","start":814.65497,"end":816.035,"sentiment":"neutral","sentiment_score":0.10928099602460861},{"text":"Yep.","start":822.57495,"end":823.07495,"sentiment":"neutral","sentiment_score":0.11152540147304536},{"text":"Okay.","start":835.36,"end":835.86,"sentiment":"neutral","sentiment_score":0.21373718976974487},{"text":"Hi, Thomas.","start":836.08,"end":836.82,"sentiment":"neutral","sentiment_score":0.26331599056720734},{"text":"Alright.","start":838.96,"end":839.28,"sentiment":"positive","sentiment_score":0.5626962184906006}],"sentiment":"neutral","sentiment_score":0.18162981358667216,"num_words":12,"start":814.65497,"end":839.28},{"sentences":[{"text":"Thanks, Cole.","start":839.28,"end":840.105,"sentiment":"positive","sentiment_score":0.44480325281620026},{"text":"Yep.","start":841.385,"end":841.885,"sentiment":"neutral","sentiment_score":0.1032307967543602},{"text":"Okay.","start":846.26495,"end":846.745,"sentiment":"neutral","sentiment_score":0.1687823385000229},{"text":"Not a drama at all.","start":846.745,"end":848.045,"sentiment":"neutral","sentiment_score":0.047098928689956666},{"text":"Okay.","start":849.46497,"end":849.96497,"sentiment":"positive","sentiment_score":0.4665130972862244}],"sentiment":"neutral","sentiment_score":0.18636273816227913,"num_words":10,"start":839.28,"end":849.96497},{"sentences":[{"text":"Thank you.","start":850.345,"end":851.065,"sentiment":"positive","sentiment_score":0.5212334096431732},{"text":"See you.","start":851.065,"end":851.805,"sentiment":"neutral","sentiment_score":0.179647296667099}],"sentiment":"positive","sentiment_score":0.3504403531551361,"num_words":4,"start":850.345,"end":851.805}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon,\n\nChannel 1: Good\n\nChannel 0: Daniel.\n\nChannel 1: afternoon.\n\nChannel 0: It's Paul calling from ICU Financial. How are you today?\n\nChannel 1: Good call. Hey, buddy.\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I just scheduled in for a bit of a catch up.\n\nChannel 1: Yeah. Yeah. It was just a question. When we were talking about the rental,\n\nChannel 0: Yep.\n\nChannel 1: the account, it sort of said that going a little bit backwards because we're paying mostly tax on the rent. So he didn't actually try to sell it. He said, I'm not telling you to sell it, but he said, yeah, he sort of thought it'd be better off selling it, putting it on the mortgage, and then sort of maybe rebullying and making that a bit more of a positive debt. If\n\nChannel 0: Yep.\n\nChannel 1: you sort of get me\n\nChannel 0: Yeah. I know what you mean. Just before I discuss your your personal details, I don't know if I could just pass you\n\nChannel 1: Yep.\n\nChannel 0: through security there with that name, date of\n\nChannel 1: Yep.\n\nChannel 0: birth, and current address.\n\nChannel 1: Yep. Daniel Patrick Mullins. 769981 And 83 Moslems Lane, Manildra.\n\nChannel 0: Perfect. Thank you for that one. Yeah. So within regards to that one, because you have paid off the mortgage, you would be paying obviously, tax on the rent because, you know, offsetting any sort of debt. So what you'd be talking\n\nChannel 1: Yeah.\n\nChannel 0: about is, like, selling and then purchasing another property basically to negatively gear again.\n\nChannel 1: Yeah. Would that be would give us a that'd be the best audio.\n\nChannel 0: So in term obviously, with the current market and the way interest rates are going, it's sort of probably be worth chatting to a mortgage broker and what they sort of see the market's doing with that one in terms of, like, a, you know, growth perspective in getting return on capital and in regards to paying down the debt. You're right. In terms of, like, having good debt through another property and potentially upgrading your investment property or even in the sense that you could look at potentially just using the equity in your your current home or the investment property to purchase another property as well with\n\nChannel 1: Yep.\n\nChannel 0: that one. So\n\nChannel 1: Yeah.\n\nChannel 0: that's the\n\nChannel 1: Okay.\n\nChannel 0: old sort of questions in regards to that because, obviously, when selling and buying, you've got to worry about the capital gains that you'd be paying on the property plus\n\nChannel 1: Well, I shouldn't. Should I because of I sort of I've owned that since I was seven.\n\nChannel 0: yeah. And then what would you pay for that originally?\n\nChannel 1: 68, I think.\n\nChannel 0: Yes. So with that, even owning it for over the the twelve year twelve month mark, you get, like, a CDT discount, but then it's proportionated as well for how long it was a primary residence versus\n\nChannel 1: Oh, well\n\nChannel 0: what was an investment property.\n\nChannel 1: well, I'm well, I'm forty forty five this year, and we only moved out of it last\n\nChannel 0: Okay.\n\nChannel 1: year. Yeah.\n\nChannel 0: So, yeah, there there might not be a whole lot of CPT payable on that one. But, again, that's sort of more of a mortgage broker's realm in terms\n\nChannel 1: Yep.\n\nChannel 0: of, like, what you could sell it for, what the market's looking like, where you'd wanna buy.\n\nChannel 1: Well,\n\nChannel 0: And\n\nChannel 1: I probably\n\nChannel 0: with\n\nChannel 1: wouldn't\n\nChannel 0: the\n\nChannel 1: buy\n\nChannel 0: it\n\nChannel 1: straight away. Like, it's not I'm not like, it's not we just yeah. See what this all these bloody situations doing.\n\nChannel 0: yep.\n\nChannel 1: Look with, you know, the fuel and the cost of living will probably go up. And then\n\nChannel 0: Yeah.\n\nChannel 1: maybe the price of property might go down too. Like, you don't know.\n\nChannel 0: Yeah. And then, like, with that, those are sort of, like, questions obviously in regards to what a mortgage broker might think in terms of, like, the what the markets might do. The,\n\nChannel 1: Yep.\n\nChannel 0: obviously, short term things with that, if you were to sell it, you're right in the sense that you wouldn't be paying any sort of tax on the the rental income. But then\n\nChannel 1: Yep.\n\nChannel 0: the only thing you'd be getting as a return is how much that property or, like, money offsets your primary residence. I'm not too sure\n\nChannel 1: Yeah.\n\nChannel 0: if you're on a or a variable at the moment, but that's the sort of money that you'd be somewhat invested is in reducing that debt and lowering\n\nChannel 1: Yes.\n\nChannel 0: that effective interest repayment that you're paying on the primary residence as opposed to, you know, generating that passive income through that property and then whatever capital value you get out of that property as well if it was to still increase moving forward.\n\nChannel 1: Yeah. Okay. Win win. Oh, a win loss over otherwise,\n\nChannel 0: Yeah.\n\nChannel 1: isn't it?\n\nChannel 0: It's yeah. It is sort of a double edged sword either way you go. Like, obviously, the benefit is is you're not paying as much on your primary residence. You can probably ease the the cost of living at the moment.\n\nChannel 1: Yep.\n\nChannel 0: In relation to that as well, you probably might, depending on where you're sort of located, struggle to find a buyer for what you want given that, you know, the interest rate and inflation is going up, cost\n\nChannel 1: Well,\n\nChannel 0: of living\n\nChannel 1: that's\n\nChannel 0: is going\n\nChannel 1: alright. Yeah. That would be the next.\n\nChannel 0: up. And, yeah, at least with attending there, although you are paying tax, you like, you're making money at the end of the day.\n\nChannel 1: Yep.\n\nChannel 0: Plus if you hold that long term, the benefit of that is, obviously, you know, you've held it, you know, since you were 17. It's gone from 68 to $4.50. So even if it did take a decrease after, you know, the events that happen with inflation rising, there\n\nChannel 1: Yes.\n\nChannel 0: is a chance, you know, if you do hold it for the next sort of ten or so years, that it's still gonna be up from where it is now as\n\nChannel 1: Yep.\n\nChannel 0: a property investment. And then, yeah, there is the option if you can sort of service a future loan just having another investment property in your name to if your main concern was, you know, the amount of income you're bringing in versus the taxes that you're offsetting.\n\nChannel 1: Yep. Yep. That's\n\nChannel 0: So\n\nChannel 1: it.\n\nChannel 0: there's, yeah, there's a few different options there for you in terms of, like, the way you can look at it and then what you sort of value more. And then we can even refer you on to a mortgage broker and sort of get an opinion based on the markets and what they think or maybe what you can get for it and what maybe is out there in terms of if you did wanna look at buying again.\n\nChannel 1: Yeah. I don't think we'd I don't reckon we'd leave it, like, twelve months or anything.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, there's a couple of options I've thought of, but yes.\n\nChannel 0: And from, like, obviously, you know, the few different things there, if you like, is there one that sort of jumps out to you more? Is there one that sort of you feel\n\nChannel 1: Well\n\nChannel 0: like?\n\nChannel 1: well, I was talking to a mate, and he's got just a problem at worst with him. And he's actually sold all these houses and gone into sort of industrial shed.\n\nChannel 0: Yep.\n\nChannel 1: You know? And there's no upkeep, but he gets good return as a rental. And yeah. Like, what's the worst I can do? Put a dent in the sheet.\n\nAnd I was sort of\n\nChannel 0: Yeah.\n\nChannel 1: thinking down that alley, like, get rid of this, take off whatever would it takes off the mortgage and maybe chase something down that avenue. I'm not sure.\n\nChannel 0: Like, the commercial space?\n\nChannel 1: Yeah. Yeah. Where where they lock because I I can build a build a shed and and I can do this concreting. I could yeah. If I bought a block and done went down that alley.\n\nI'm It'd be up in a home. I'm not not a 100% sure.\n\nChannel 0: Yeah. Because even then, like, when you have a discussion with a mortgage broker, can they can sort of even let you know your serviceability of a new loan, what that might look like based on your current\n\nChannel 1: But\n\nChannel 0: situation\n\nChannel 1: yep. Okay.\n\nChannel 0: then versus, like, selling the property as well and then what that\n\nChannel 1: Yep.\n\nChannel 0: sort of looks like. Because, obviously, in terms of, like, your income versus what you're saving, as a household, you've got quite a number of savings sitting there as well. So you're obviously, based on your current situation, able to to pay your current mortgage repayments. So even then, it becomes a matter of fact of, like, if you did sell that property, put it on the the primary residence and you aren't sort of doing anything like that, you're gonna have a bit more disposable income. And will you be putting that towards the mortgage more future investments, or will you just sort of, you know, up your spending a little bit as well, which tends to happen when you got a bit more free cash\n\nChannel 1: Yep.\n\nChannel 0: flow?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: So those are all things to to consider. We can obviously make that referral. I'll email through a referral to a local mortgage broker we've got here just with your\n\nChannel 1: Yep.\n\nChannel 0: general situation, what you might be looking to do, and you can have\n\nChannel 1: Yep.\n\nChannel 0: a discussion with them\n\nChannel 1: Okay.\n\nChannel 0: to see how, yeah, you might wanna work things if you feel like it might be in your favor. Obviously, in regards to if your main concern is, you know, offsetting that and having something negatively geared, the only sort of way to do that potentially is just to have another investment of sort of a high capital investment property.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: And if you did wanna just sort of sell it, not worry about it, and not be invested in in property for a while, you can have a discussion with us about potential, like just investment IDPS accounts or, you know, setting up a few things for the children for their future, like some investment\n\nChannel 1: Yes.\n\nChannel 0: bonds, things like that, or something for, like, an earlier sort of retirement and having that invested in, like, a tax effective manner to be drawn down on in, like, 10 when you're sitting hitting around that 55 mark\n\nChannel 1: Yeah.\n\nChannel 0: and maybe\n\nChannel 1: The\n\nChannel 0: you\n\nChannel 1: last\n\nChannel 0: wanna do,\n\nChannel 1: one.\n\nChannel 0: you know, a trip to to Italy before you you're too old and don't wanna sort of walk the the steps you do over there.\n\nChannel 1: Yes. That's very true.\n\nChannel 0: But I'll pass that along. And then\n\nChannel 1: Yeah.\n\nChannel 0: if after\n\nChannel 1: Okay.\n\nChannel 0: you have a conversation, then wanna have another chat and around the potential\n\nChannel 1: Yep.\n\nChannel 0: options you've got there once you get that information. Because, obviously, in regards to the the market and the actual property space, they'd be able to give you a better indication of what you might be able to sell for with everything going on and everything as well.\n\nChannel 1: Yeah. Okay. I know the drama.\n\nChannel 0: And then, also, they could potentially look at, like, a a refinance and things like that. But, obviously, with the current market and the interest rate, everything going up might\n\nChannel 1: Well,\n\nChannel 0: not be the the best time,\n\nChannel 1: in\n\nChannel 0: but\n\nChannel 1: the best\n\nChannel 0: that might\n\nChannel 1: interest\n\nChannel 0: be a\n\nChannel 1: yeah. Like, I'd\n\nChannel 0: yeah.\n\nChannel 1: I'd probably I think, see what this all happened what all happened to you and and the settled panel got us crazy or I'd probably be mad to sort of get rid of it. Wouldn't\n\nChannel 0: Yeah. Well, it just it's just one of those things like you've you've paid it off. It's you're still getting capital growth out of it. Obviously, if it takes a little bit of a dip with what's currently happening, it doesn't matter if you're still planning\n\nChannel 1: Yep.\n\nChannel 0: on holding it long term and you are still getting an income out of that. Another option, obviously, with your your self employed business and things like that is just upping, you know, your expansion expenditure to where you're not earning as much as a self employed person, and you're getting a bit of more growth out of your your business because you\n\nChannel 1: Yep.\n\nChannel 0: don't have any debt currently in that. So that potentially could be something you could have a discussion with your accountant on how much you wanna potentially grow that. And if, you know, upping the expenditure a little bit offsets that income that you are earning from the investment property and you get a little bit of expansion out of your business, whether that be building a shed or things like that for the growth of your company.\n\nChannel 1: Yeah. Fair enough. Yeah. For all my sales of it.\n\nChannel 0: Yeah. So there's definitely like, there's no no one way about it. It sort of\n\nChannel 1: No.\n\nChannel 0: depends what you do wanna achieve. And if you sort of just comfortable, you know, selling and having on the mortgage, that's one thing versus, like, other ways to sort of potentially keep it and maybe just keep leveraging a little bit more\n\nChannel 1: Yeah.\n\nChannel 0: given the current times there as well. But I'll make that referral through. You can\n\nChannel 1: Okay.\n\nChannel 0: have a discussion with them about what you potentially wanna do. And\n\nChannel 1: Yep.\n\nChannel 0: then if you, you know, make up your mind or if you have a discussion with your account and you don't wanna sort of build on your your business much more and lowering that income or drawing a bit less because, obviously, being self employed, whatever you earn is, you know, that what you take home income is. Whereas if you're spending it, it's an expense at that point to\n\nChannel 1: Yep.\n\nChannel 0: growing your business.\n\nChannel 1: Yeah. Yep. Yeah. I'd be yeah. Probably would, but no.\n\nThat'll be fine.\n\nChannel 0: Not a problem. Well, is there any other questions you've got in regards to that at all?\n\nChannel 1: No. Thanks for all this. Sort of summed it up and give me a bit yeah. I sort of thought that anyway, but I just want to yeah. Haven't haven't gone to you and see what your thoughts were.\n\nChannel 0: Yeah. Obviously,\n\nChannel 1: And\n\nChannel 0: like, it probably just broadened what you had to think about a little bit more.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: Oh, exactly.\n\nChannel 0: yeah. And then you can have a chat with your your partner and potentially how you wanna move forward with that and what you're comfortable with because it's not all at the end of the day, it's not all about, you know, saving saving on tax. It's probably you gotta think long term as well.\n\nChannel 1: Yeah. Well, that was the whole reason I wanted to keep the house. So if we're in a situation, we could've left it to the kids or that was our super or yeah, that was my end plan, really.\n\nChannel 0: Yeah. Because with that, you're obviously diversified across a couple of properties. It's all in the primary residence. You know, if anything happens, you've like, that's just where you live at the end of the day. It's not like you can sell that one.\n\nWorst case scenario, and you can definitely still afford to keep it even if you are paying a little bit more tax at the the moment.\n\nChannel 1: Yeah. Yeah. Hi,\n\nChannel 0: And\n\nChannel 1: Thomas.\n\nChannel 0: like you said, yeah, like you said, that your kids might want a bit of extra room once they get a bit older as well\n\nChannel 1: Well, that's\n\nChannel 0: down\n\nChannel 1: good.\n\nChannel 0: the track.\n\nChannel 1: That was the the o d e.\n\nChannel 0: But, yeah, definitely plenty of other ways. The mortgage broker might give you a little bit more information potentially\n\nChannel 1: Yep.\n\nChannel 0: about and just leverage that and then taking on a bit more more debt if that's the way you sort of wanna work it. And then, yeah, you can have a discussion with your account, and they'll come back to us if you do wanna just look at the investment side of things and getting rid of it at the end of the day.\n\nChannel 1: Okay. Hi, Thomas.\n\nChannel 0: Not a problem at all, Daniel. Well, thanks\n\nChannel 1: Alright.\n\nChannel 0: for your\n\nChannel 1: Thanks,\n\nChannel 0: time. We'll send\n\nChannel 1: Cole.\n\nChannel 0: that email after this call. But anything\n\nChannel 1: Yep.\n\nChannel 0: else, feel free to email in or get in contact with us or if you do wanna look at some other investment\n\nChannel 1: Okay. Not a drama at all.\n\nChannel 0: options. There you go, mate. Well, thanks for your time.\n\nChannel 1: Okay.\n\nChannel 0: I'll catch you later.\n\nChannel 1: Thank\n\nChannel 0: Bye.\n\nChannel 1: you. See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.04851830005645752}],"sentiment":"neutral","sentiment_score":0.04851830005645752,"channel":1,"num_words":1,"start":1.28,"end":1.78},{"sentences":[{"text":"Good afternoon,","start":2.56,"end":3.12,"sentiment":"neutral","sentiment_score":0.28574909269809723}],"sentiment":"neutral","sentiment_score":0.28574909269809723,"channel":0,"num_words":2,"start":2.56,"end":3.12},{"sentences":[{"text":"Good","start":3.12,"end":3.28,"sentiment":"positive","sentiment_score":0.33337393403053284}],"sentiment":"positive","sentiment_score":0.33337393403053284,"channel":1,"num_words":1,"start":3.12,"end":3.28},{"sentences":[{"text":"Daniel.","start":3.12,"end":3.36,"sentiment":"neutral","sentiment_score":0.23499658703804016}],"sentiment":"neutral","sentiment_score":0.23499658703804016,"channel":0,"num_words":1,"start":3.12,"end":3.36},{"sentences":[{"text":"afternoon.","start":3.28,"end":3.78,"sentiment":"neutral","sentiment_score":0.3150278329849243}],"sentiment":"neutral","sentiment_score":0.3150278329849243,"channel":1,"num_words":1,"start":3.28,"end":3.78},{"sentences":[{"text":"It's Paul calling from ICU Financial.","start":3.36,"end":4.96,"sentiment":"neutral","sentiment_score":0.2140821491678556},{"text":"How are you today?","start":4.96,"end":5.7799997,"sentiment":"neutral","sentiment_score":0.2485739141702652}],"sentiment":"neutral","sentiment_score":0.22787885516881942,"channel":0,"num_words":10,"start":3.36,"end":5.7799997},{"sentences":[{"text":"Good call.","start":6.0,"end":6.48,"sentiment":"positive","sentiment_score":0.4048686921596527},{"text":"Hey, buddy.","start":6.48,"end":7.22,"sentiment":"neutral","sentiment_score":0.27045612037181854}],"sentiment":"positive","sentiment_score":0.3376624062657356,"channel":1,"num_words":4,"start":6.0,"end":7.22},{"sentences":[{"text":"Yeah.","start":7.68,"end":8.0,"sentiment":"neutral","sentiment_score":0.2577267587184906},{"text":"Not too bad at all.","start":8.0,"end":8.72,"sentiment":"neutral","sentiment_score":0.332552969455719},{"text":"Thanks for asking.","start":8.72,"end":9.44,"sentiment":"positive","sentiment_score":0.6642708977063497},{"text":"I just scheduled in for a bit of a catch up.","start":9.44,"end":11.38,"sentiment":"neutral","sentiment_score":0.28299720314416016}],"sentiment":"positive","sentiment_score":0.35131367668509483,"channel":0,"num_words":20,"start":7.68,"end":11.38},{"sentences":[{"text":"Yeah.","start":12.255,"end":12.495,"sentiment":"neutral","sentiment_score":0.041360992938280106},{"text":"Yeah.","start":12.495,"end":12.895,"sentiment":"neutral","sentiment_score":0.007178189232945442},{"text":"It was just a question.","start":12.895,"end":14.195001,"sentiment":"neutral","sentiment_score":-0.03707542568445206},{"text":"When we were talking about the rental,","start":14.735001,"end":18.035,"sentiment":"neutral","sentiment_score":-0.08029820982898984}],"sentiment":"neutral","sentiment_score":-0.049923243932425976,"channel":1,"num_words":14,"start":12.255,"end":18.035},{"sentences":[{"text":"Yep.","start":18.095001,"end":18.595001,"sentiment":"neutral","sentiment_score":-0.05299331992864609}],"sentiment":"neutral","sentiment_score":-0.05299331992864609,"channel":0,"num_words":1,"start":18.095001,"end":18.595001},{"sentences":[{"text":"the account, it sort of said that going a little bit backwards because we're paying mostly tax on the rent.","start":18.415,"end":26.67,"sentiment":"neutral","sentiment_score":-0.14724621288478373},{"text":"So he didn't actually try to sell it.","start":28.83,"end":33.15,"sentiment":"neutral","sentiment_score":-0.23957758583128452},{"text":"He said, I'm not telling you to sell it, but he said, yeah, he sort of thought it'd be better off selling it, putting it on the mortgage, and then sort of maybe rebullying and making that a bit more of a positive debt.","start":33.15,"end":48.324997,"sentiment":"neutral","sentiment_score":-0.1778381640430201},{"text":"If","start":49.265,"end":49.585,"sentiment":"neutral","sentiment_score":-0.03662043809890747}],"sentiment":"neutral","sentiment_score":-0.17428828219640746,"channel":1,"num_words":73,"start":18.415,"end":49.585},{"sentences":[{"text":"Yep.","start":49.58,"end":50.08,"sentiment":"neutral","sentiment_score":-0.012457693926990032}],"sentiment":"neutral","sentiment_score":-0.012457693926990032,"channel":0,"num_words":1,"start":49.58,"end":50.08},{"sentences":[{"text":"you sort of get me","start":49.585,"end":50.964996,"sentiment":"neutral","sentiment_score":-0.02615060992538929}],"sentiment":"neutral","sentiment_score":-0.02615060992538929,"channel":1,"num_words":5,"start":49.585,"end":50.964996},{"sentences":[{"text":"Yeah.","start":51.100002,"end":51.600002,"sentiment":"neutral","sentiment_score":-0.015434551984071732},{"text":"I know what you mean.","start":51.66,"end":52.460003,"sentiment":"neutral","sentiment_score":-0.04307882748544216},{"text":"Just before I discuss your your personal details, I don't know if I could just pass you","start":52.460003,"end":55.82,"sentiment":"neutral","sentiment_score":-0.03534774306942435}],"sentiment":"neutral","sentiment_score":-0.03616262267789115,"channel":0,"num_words":23,"start":51.100002,"end":55.82},{"sentences":[{"text":"Yep.","start":55.68,"end":56.18,"sentiment":"neutral","sentiment_score":-0.003813019022345543}],"sentiment":"neutral","sentiment_score":-0.003813019022345543,"channel":1,"num_words":1,"start":55.68,"end":56.18},{"sentences":[{"text":"through security there with that name, date of","start":55.82,"end":57.5,"sentiment":"neutral","sentiment_score":0.004599273670464754}],"sentiment":"neutral","sentiment_score":0.004599273670464754,"channel":0,"num_words":8,"start":55.82,"end":57.5},{"sentences":[{"text":"Yep.","start":57.36,"end":57.86,"sentiment":"neutral","sentiment_score":0.008560525253415108}],"sentiment":"neutral","sentiment_score":0.008560525253415108,"channel":1,"num_words":1,"start":57.36,"end":57.86},{"sentences":[{"text":"birth, and current address.","start":57.5,"end":58.56,"sentiment":"neutral","sentiment_score":-0.002096278127282858}],"sentiment":"neutral","sentiment_score":-0.002096278127282858,"channel":0,"num_words":4,"start":57.5,"end":58.56},{"sentences":[{"text":"Yep.","start":58.88,"end":59.36,"sentiment":"neutral","sentiment_score":0.010756704024970531},{"text":"Daniel Patrick Mullins.","start":59.36,"end":60.9,"sentiment":"neutral","sentiment_score":0.013241497799754143},{"text":"769981 And 83 Moslems Lane, Manildra.","start":61.36,"end":66.020004,"sentiment":"neutral","sentiment_score":0.021652560060222942}],"sentiment":"neutral","sentiment_score":0.01803965577855706,"channel":1,"num_words":10,"start":58.88,"end":66.020004},{"sentences":[{"text":"Perfect.","start":67.435,"end":67.835,"sentiment":"positive","sentiment_score":0.5560610890388489},{"text":"Thank you for that one.","start":67.835,"end":69.055,"sentiment":"positive","sentiment_score":0.6461840867996216},{"text":"Yeah.","start":70.235,"end":70.475,"sentiment":"neutral","sentiment_score":0.04264303296804428},{"text":"So within regards to that one, because you have paid off the mortgage, you would be paying obviously, tax on the rent because, you know, offsetting any sort of debt.","start":70.475,"end":79.85,"sentiment":"neutral","sentiment_score":-0.12579787174860638},{"text":"So what you'd be talking","start":79.909996,"end":81.03,"sentiment":"neutral","sentiment_score":-0.11718606352806091}],"sentiment":"neutral","sentiment_score":-0.012624807478416534,"channel":0,"num_words":42,"start":67.435,"end":81.03},{"sentences":[{"text":"Yeah.","start":80.715,"end":81.215,"sentiment":"neutral","sentiment_score":-0.2169787585735321}],"sentiment":"neutral","sentiment_score":-0.2169787585735321,"channel":1,"num_words":1,"start":80.715,"end":81.215},{"sentences":[{"text":"about is, like, selling and then purchasing another property basically to negatively gear again.","start":81.03,"end":87.689995,"sentiment":"negative","sentiment_score":-0.3829256466456822}],"sentiment":"negative","sentiment_score":-0.3829256466456822,"channel":0,"num_words":14,"start":81.03,"end":87.689995},{"sentences":[{"text":"Yeah.","start":88.12,"end":88.520004,"sentiment":"neutral","sentiment_score":-0.16039207577705383},{"text":"Would that be would give us a that'd be the best audio.","start":88.520004,"end":92.54,"sentiment":"neutral","sentiment_score":-0.13218912730614343}],"sentiment":"neutral","sentiment_score":-0.13435858488082886,"channel":1,"num_words":13,"start":88.12,"end":92.54},{"sentences":[{"text":"So in term obviously, with the current market and the way interest rates are going, it's sort of probably be worth chatting to a mortgage broker and what they sort of see the market's doing with that one in terms of, like, a, you know, growth perspective in getting return on capital and in regards to paying down the debt.","start":93.785,"end":111.97,"sentiment":"neutral","sentiment_score":-0.016382500094672046},{"text":"You're right.","start":111.97,"end":112.28999,"sentiment":"neutral","sentiment_score":0.06589192990213633},{"text":"In terms of, like, having good debt through another property and potentially upgrading your investment property or even in the sense that you could look at potentially just using the equity in your your current home or the investment property to purchase another property as well with","start":112.28999,"end":131.47,"sentiment":"positive","sentiment_score":0.3411712118602814}],"sentiment":"neutral","sentiment_score":0.13930165882162546,"channel":0,"num_words":109,"start":93.785,"end":131.47},{"sentences":[{"text":"Yep.","start":131.175,"end":131.675,"sentiment":"neutral","sentiment_score":0.17244449257850647}],"sentiment":"neutral","sentiment_score":0.17244449257850647,"channel":1,"num_words":1,"start":131.175,"end":131.675},{"sentences":[{"text":"that one.","start":131.47,"end":132.21,"sentiment":"neutral","sentiment_score":0.17388944327831268},{"text":"So","start":133.15,"end":133.39,"sentiment":"neutral","sentiment_score":0.10263941437005995}],"sentiment":"neutral","sentiment_score":0.15013943364222845,"channel":0,"num_words":3,"start":131.47,"end":133.39},{"sentences":[{"text":"Yeah.","start":133.33499,"end":133.655,"sentiment":"neutral","sentiment_score":0.12801417708396912}],"sentiment":"neutral","sentiment_score":0.12801417708396912,"channel":1,"num_words":1,"start":133.33499,"end":133.655},{"sentences":[{"text":"that's the","start":133.39,"end":133.95,"sentiment":"neutral","sentiment_score":0.045404307544231415}],"sentiment":"neutral","sentiment_score":0.045404307544231415,"channel":0,"num_words":2,"start":133.39,"end":133.95},{"sentences":[{"text":"Okay.","start":133.655,"end":134.155,"sentiment":"neutral","sentiment_score":-0.026889320462942123}],"sentiment":"neutral","sentiment_score":-0.026889320462942123,"channel":1,"num_words":1,"start":133.655,"end":134.155},{"sentences":[{"text":"old sort of questions in regards to that because, obviously, when selling and buying, you've got to worry about the capital gains that you'd be paying on the property plus","start":133.95,"end":143.875,"sentiment":"neutral","sentiment_score":-0.19692521865169207}],"sentiment":"neutral","sentiment_score":-0.19692521865169207,"channel":0,"num_words":30,"start":133.95,"end":143.875},{"sentences":[{"text":"Well, I shouldn't.","start":143.38,"end":144.1,"sentiment":"neutral","sentiment_score":-0.31111451983451843},{"text":"Should I because of I sort of I've owned that since I was seven.","start":144.1,"end":148.04,"sentiment":"neutral","sentiment_score":-0.23481261730194092}],"sentiment":"neutral","sentiment_score":-0.24827765892533696,"channel":1,"num_words":17,"start":143.38,"end":148.04},{"sentences":[{"text":"yeah.","start":150.175,"end":150.57501,"sentiment":"neutral","sentiment_score":-0.0652577355504036},{"text":"And then what would you pay for that originally?","start":150.57501,"end":152.99501,"sentiment":"neutral","sentiment_score":-0.08307681977748871}],"sentiment":"neutral","sentiment_score":-0.0812949113547802,"channel":0,"num_words":10,"start":150.175,"end":152.99501},{"sentences":[{"text":"68, I think.","start":155.70499,"end":156.92499,"sentiment":"neutral","sentiment_score":-0.010771689936518669}],"sentiment":"neutral","sentiment_score":-0.010771689936518669,"channel":1,"num_words":3,"start":155.70499,"end":156.92499},{"sentences":[{"text":"Yes.","start":158.03,"end":158.27,"sentiment":"neutral","sentiment_score":0.094174362719059},{"text":"So with that, even owning it for over the the twelve year twelve month mark, you get, like, a CDT discount, but then it's proportionated as well for how long it was a primary residence versus","start":158.27,"end":170.985,"sentiment":"neutral","sentiment_score":0.1017400609432823}],"sentiment":"neutral","sentiment_score":0.1015355826128979,"channel":0,"num_words":37,"start":158.03,"end":170.985},{"sentences":[{"text":"Oh, well","start":171.31,"end":171.89,"sentiment":"neutral","sentiment_score":-0.03535650484263897}],"sentiment":"neutral","sentiment_score":-0.03535650484263897,"channel":1,"num_words":2,"start":171.31,"end":171.89},{"sentences":[{"text":"what was an investment property.","start":171.445,"end":173.38501,"sentiment":"neutral","sentiment_score":-0.036846069246530534}],"sentiment":"neutral","sentiment_score":-0.036846069246530534,"channel":0,"num_words":5,"start":171.445,"end":173.38501},{"sentences":[{"text":"well, I'm well, I'm forty forty five this year, and we only moved out of it last","start":173.47,"end":178.19499,"sentiment":"neutral","sentiment_score":-0.018549968050244975}],"sentiment":"neutral","sentiment_score":-0.018549968050244975,"channel":1,"num_words":17,"start":173.47,"end":178.19499},{"sentences":[{"text":"Okay.","start":180.32501,"end":180.82501,"sentiment":"neutral","sentiment_score":-0.01431257277727127}],"sentiment":"neutral","sentiment_score":-0.01431257277727127,"channel":0,"num_words":1,"start":180.32501,"end":180.82501},{"sentences":[{"text":"year.","start":181.36499,"end":181.61499,"sentiment":"neutral","sentiment_score":-0.004938395693898201},{"text":"Yeah.","start":181.61499,"end":182.11499,"sentiment":"neutral","sentiment_score":-0.0021784529089927673}],"sentiment":"neutral","sentiment_score":-0.003558424301445484,"channel":1,"num_words":2,"start":181.36499,"end":182.11499},{"sentences":[{"text":"So, yeah, there there might not be a whole lot of CPT payable on that one.","start":181.71,"end":186.53,"sentiment":"neutral","sentiment_score":-0.1407406940124929},{"text":"But, again, that's sort of more of a mortgage broker's realm in terms","start":187.31,"end":190.19,"sentiment":"neutral","sentiment_score":-0.05404444611989535}],"sentiment":"neutral","sentiment_score":-0.101876858750294,"channel":0,"num_words":29,"start":181.71,"end":190.19},{"sentences":[{"text":"Yep.","start":190.015,"end":190.515,"sentiment":"neutral","sentiment_score":0.029469769448041916}],"sentiment":"neutral","sentiment_score":0.029469769448041916,"channel":1,"num_words":1,"start":190.015,"end":190.515},{"sentences":[{"text":"of, like, what you could sell it for, what the market's looking like, where you'd wanna buy.","start":190.19,"end":194.69,"sentiment":"neutral","sentiment_score":-0.024964572752223295}],"sentiment":"neutral","sentiment_score":-0.024964572752223295,"channel":0,"num_words":17,"start":190.19,"end":194.69},{"sentences":[{"text":"Well,","start":195.09999,"end":195.42,"sentiment":"neutral","sentiment_score":-0.1590091735124588}],"sentiment":"neutral","sentiment_score":-0.1590091735124588,"channel":1,"num_words":1,"start":195.09999,"end":195.42},{"sentences":[{"text":"And","start":195.39,"end":195.63,"sentiment":"neutral","sentiment_score":-0.20412808656692505}],"sentiment":"neutral","sentiment_score":-0.20412808656692505,"channel":0,"num_words":1,"start":195.39,"end":195.63},{"sentences":[{"text":"I probably","start":195.42,"end":195.9,"sentiment":"neutral","sentiment_score":-0.29895299673080444}],"sentiment":"neutral","sentiment_score":-0.29895299673080444,"channel":1,"num_words":2,"start":195.42,"end":195.9},{"sentences":[{"text":"with","start":195.63,"end":195.95,"sentiment":"neutral","sentiment_score":-0.290254682302475}],"sentiment":"neutral","sentiment_score":-0.290254682302475,"channel":0,"num_words":1,"start":195.63,"end":195.95},{"sentences":[{"text":"wouldn't","start":195.9,"end":196.22,"sentiment":"negative","sentiment_score":-0.35288089513778687}],"sentiment":"negative","sentiment_score":-0.35288089513778687,"channel":1,"num_words":1,"start":195.9,"end":196.22},{"sentences":[{"text":"the","start":195.95,"end":196.365,"sentiment":"negative","sentiment_score":-0.40416377782821655}],"sentiment":"negative","sentiment_score":-0.40416377782821655,"channel":0,"num_words":1,"start":195.95,"end":196.365},{"sentences":[{"text":"buy","start":196.22,"end":196.54,"sentiment":"negative","sentiment_score":-0.36063963174819946}],"sentiment":"negative","sentiment_score":-0.36063963174819946,"channel":1,"num_words":1,"start":196.22,"end":196.54},{"sentences":[{"text":"it","start":196.365,"end":196.865,"sentiment":"neutral","sentiment_score":-0.30012083053588867}],"sentiment":"neutral","sentiment_score":-0.30012083053588867,"channel":0,"num_words":1,"start":196.365,"end":196.865},{"sentences":[{"text":"straight away.","start":196.54,"end":197.34,"sentiment":"negative","sentiment_score":-0.3543323874473572},{"text":"Like, it's not I'm not like, it's not we just yeah.","start":197.34,"end":201.98,"sentiment":"neutral","sentiment_score":-0.32868369059129193},{"text":"See what this all these bloody situations doing.","start":201.98,"end":205.92,"sentiment":"negative","sentiment_score":-0.4352337159216404}],"sentiment":"negative","sentiment_score":-0.37171690946533564,"channel":1,"num_words":21,"start":196.54,"end":205.92},{"sentences":[{"text":"yep.","start":207.005,"end":207.505,"sentiment":"neutral","sentiment_score":-0.17061400413513184}],"sentiment":"neutral","sentiment_score":-0.17061400413513184,"channel":0,"num_words":1,"start":207.005,"end":207.505},{"sentences":[{"text":"Look with, you know, the fuel and the cost of living will probably go up.","start":208.065,"end":212.80501,"sentiment":"neutral","sentiment_score":-0.2698179503281911},{"text":"And then","start":214.30501,"end":214.96501,"sentiment":"neutral","sentiment_score":-0.14692480117082596}],"sentiment":"neutral","sentiment_score":-0.2553599327802658,"channel":1,"num_words":17,"start":208.065,"end":214.96501},{"sentences":[{"text":"Yeah.","start":214.54001,"end":215.04001,"sentiment":"neutral","sentiment_score":-0.15421822667121887}],"sentiment":"neutral","sentiment_score":-0.15421822667121887,"channel":0,"num_words":1,"start":214.54001,"end":215.04001},{"sentences":[{"text":"maybe the price of property might go down too.","start":215.345,"end":218.38501,"sentiment":"neutral","sentiment_score":-0.30746588110923767},{"text":"Like, you don't know.","start":218.38501,"end":219.48,"sentiment":"neutral","sentiment_score":-0.2386491522192955}],"sentiment":"neutral","sentiment_score":-0.2862915029892555,"channel":1,"num_words":13,"start":215.345,"end":219.48},{"sentences":[{"text":"Yeah.","start":220.71501,"end":221.115,"sentiment":"neutral","sentiment_score":-0.09770548343658449},{"text":"And then, like, with that, those are sort of, like, questions obviously in regards to what a mortgage broker might think in terms of, like, the what the markets might do.","start":221.115,"end":227.77501,"sentiment":"neutral","sentiment_score":-0.11917150357077198},{"text":"The,","start":228.155,"end":228.655,"sentiment":"neutral","sentiment_score":-0.017844248563051224}],"sentiment":"neutral","sentiment_score":-0.1154504952331384,"channel":0,"num_words":33,"start":220.71501,"end":228.655},{"sentences":[{"text":"Yep.","start":228.51999,"end":229.01999,"sentiment":"neutral","sentiment_score":-0.0724872499704361}],"sentiment":"neutral","sentiment_score":-0.0724872499704361,"channel":1,"num_words":1,"start":228.51999,"end":229.01999},{"sentences":[{"text":"obviously, short term things with that, if you were to sell it, you're right in the sense that you wouldn't be paying any sort of tax on the the rental income.","start":228.715,"end":235.81,"sentiment":"neutral","sentiment_score":-0.05622865031323125},{"text":"But then","start":235.81,"end":236.29001,"sentiment":"neutral","sentiment_score":0.05146240070462227}],"sentiment":"neutral","sentiment_score":-0.049701919948512856,"channel":0,"num_words":33,"start":228.715,"end":236.29001},{"sentences":[{"text":"Yep.","start":236.28499,"end":236.78499,"sentiment":"neutral","sentiment_score":0.1289912313222885}],"sentiment":"neutral","sentiment_score":0.1289912313222885,"channel":1,"num_words":1,"start":236.28499,"end":236.78499},{"sentences":[{"text":"the only thing you'd be getting as a return is how much that property or, like, money offsets your primary residence.","start":236.29001,"end":242.45,"sentiment":"neutral","sentiment_score":0.14784971979402362},{"text":"I'm not too sure","start":242.45,"end":243.09,"sentiment":"neutral","sentiment_score":-0.024281233549118042}],"sentiment":"neutral","sentiment_score":0.12030876725912094,"channel":0,"num_words":25,"start":236.29001,"end":243.09},{"sentences":[{"text":"Yeah.","start":243.00499,"end":243.50499,"sentiment":"neutral","sentiment_score":0.0532032772898674}],"sentiment":"neutral","sentiment_score":0.0532032772898674,"channel":1,"num_words":1,"start":243.00499,"end":243.50499},{"sentences":[{"text":"if you're on a or a variable at the moment, but that's the sort of money that you'd be somewhat invested is in reducing that debt and lowering","start":243.09,"end":252.595,"sentiment":"neutral","sentiment_score":0.08417434178824935}],"sentiment":"neutral","sentiment_score":0.08417434178824935,"channel":0,"num_words":28,"start":243.09,"end":252.595},{"sentences":[{"text":"Yes.","start":252.28,"end":252.78,"sentiment":"neutral","sentiment_score":0.1310552954673767}],"sentiment":"neutral","sentiment_score":0.1310552954673767,"channel":1,"num_words":1,"start":252.28,"end":252.78},{"sentences":[{"text":"that effective interest repayment that you're paying on the primary residence as opposed to, you know, generating that passive income through that property and then whatever capital value you get out of that property as well if it was to still increase moving forward.","start":252.595,"end":269.06998,"sentiment":"neutral","sentiment_score":0.2417114798656919}],"sentiment":"neutral","sentiment_score":0.2417114798656919,"channel":0,"num_words":44,"start":252.595,"end":269.06998},{"sentences":[{"text":"Yeah.","start":270.275,"end":270.595,"sentiment":"neutral","sentiment_score":0.13975226879119873},{"text":"Okay.","start":270.595,"end":271.095,"sentiment":"neutral","sentiment_score":0.18359535932540896},{"text":"Win win.","start":275.68,"end":276.19998,"sentiment":"neutral","sentiment_score":0.3021731525659561},{"text":"Oh, a win loss over otherwise,","start":276.19998,"end":278.24,"sentiment":"neutral","sentiment_score":-0.018328499048948284}],"sentiment":"neutral","sentiment_score":0.08177229389548302,"channel":1,"num_words":10,"start":270.275,"end":278.24},{"sentences":[{"text":"Yeah.","start":278.185,"end":278.505,"sentiment":"neutral","sentiment_score":-0.02519872784614563}],"sentiment":"neutral","sentiment_score":-0.02519872784614563,"channel":0,"num_words":1,"start":278.185,"end":278.505},{"sentences":[{"text":"isn't it?","start":278.24,"end":278.97998,"sentiment":"neutral","sentiment_score":-0.027075838297605515}],"sentiment":"neutral","sentiment_score":-0.027075838297605515,"channel":1,"num_words":2,"start":278.24,"end":278.97998},{"sentences":[{"text":"It's yeah.","start":278.505,"end":279.145,"sentiment":"neutral","sentiment_score":-0.02482231706380844},{"text":"It is sort of a double edged sword either way you go.","start":279.145,"end":281.625,"sentiment":"neutral","sentiment_score":-0.09575368463993073},{"text":"Like, obviously, the benefit is is you're not paying as much on your primary residence.","start":281.625,"end":285.385,"sentiment":"neutral","sentiment_score":0.19319654603799183},{"text":"You can probably ease the the cost of living at the moment.","start":285.385,"end":288.74002,"sentiment":"neutral","sentiment_score":0.23914066515862942}],"sentiment":"neutral","sentiment_score":0.11143773957723524,"channel":0,"num_words":41,"start":278.505,"end":288.74002},{"sentences":[{"text":"Yep.","start":288.31998,"end":288.81998,"sentiment":"neutral","sentiment_score":0.17882394790649414}],"sentiment":"neutral","sentiment_score":0.17882394790649414,"channel":1,"num_words":1,"start":288.31998,"end":288.81998},{"sentences":[{"text":"In relation to that as well, you probably might, depending on where you're sort of located, struggle to find a buyer for what you want given that, you know, the interest rate and inflation is going up, cost","start":288.88,"end":299.44,"sentiment":"neutral","sentiment_score":-0.04055920527561715}],"sentiment":"neutral","sentiment_score":-0.04055920527561715,"channel":0,"num_words":38,"start":288.88,"end":299.44},{"sentences":[{"text":"Well,","start":299.38498,"end":299.705,"sentiment":"neutral","sentiment_score":0.16990196704864502}],"sentiment":"neutral","sentiment_score":0.16990196704864502,"channel":1,"num_words":1,"start":299.38498,"end":299.705},{"sentences":[{"text":"of living","start":299.44,"end":299.84,"sentiment":"neutral","sentiment_score":0.26193398237228394}],"sentiment":"neutral","sentiment_score":0.26193398237228394,"channel":0,"num_words":2,"start":299.44,"end":299.84},{"sentences":[{"text":"that's","start":299.705,"end":300.025,"sentiment":"positive","sentiment_score":0.33621686697006226}],"sentiment":"positive","sentiment_score":0.33621686697006226,"channel":1,"num_words":1,"start":299.705,"end":300.025},{"sentences":[{"text":"is going","start":299.84,"end":300.5,"sentiment":"positive","sentiment_score":0.4748844504356384}],"sentiment":"positive","sentiment_score":0.4748844504356384,"channel":0,"num_words":2,"start":299.84,"end":300.5},{"sentences":[{"text":"alright.","start":300.025,"end":300.525,"sentiment":"positive","sentiment_score":0.3416377007961273},{"text":"Yeah.","start":302.10498,"end":302.505,"sentiment":"neutral","sentiment_score":0.2984248995780945},{"text":"That would be the next.","start":302.505,"end":303.63,"sentiment":"neutral","sentiment_score":0.2675847947597504}],"sentiment":"neutral","sentiment_score":0.2825695105961391,"channel":1,"num_words":7,"start":300.025,"end":303.63},{"sentences":[{"text":"up.","start":304.405,"end":304.645,"sentiment":"neutral","sentiment_score":0.16384388506412506},{"text":"And, yeah, at least with attending there, although you are paying tax, you like, you're making money at the end of the day.","start":304.645,"end":311.54498,"sentiment":"positive","sentiment_score":0.347976711133252}],"sentiment":"positive","sentiment_score":0.3403045100470384,"channel":0,"num_words":24,"start":304.405,"end":311.54498},{"sentences":[{"text":"Yep.","start":311.71,"end":312.21,"sentiment":"neutral","sentiment_score":0.2856597602367401}],"sentiment":"neutral","sentiment_score":0.2856597602367401,"channel":1,"num_words":1,"start":311.71,"end":312.21},{"sentences":[{"text":"Plus if you hold that long term, the benefit of that is, obviously, you know, you've held it, you know, since you were 17.","start":312.565,"end":318.97,"sentiment":"neutral","sentiment_score":0.3039386762926976},{"text":"It's gone from 68 to $4.50.","start":318.97,"end":321.13,"sentiment":"neutral","sentiment_score":0.30893439054489136},{"text":"So even if it did take a decrease after, you know, the events that happen with inflation rising, there","start":321.13,"end":327.69,"sentiment":"neutral","sentiment_score":-0.04482527586974596}],"sentiment":"neutral","sentiment_score":0.16931539454630443,"channel":0,"num_words":49,"start":312.565,"end":327.69},{"sentences":[{"text":"Yes.","start":327.685,"end":328.185,"sentiment":"neutral","sentiment_score":-0.0629422664642334}],"sentiment":"neutral","sentiment_score":-0.0629422664642334,"channel":1,"num_words":1,"start":327.685,"end":328.185},{"sentences":[{"text":"is a chance, you know, if you do hold it for the next sort of ten or so years, that it's still gonna be up from where it is now as","start":327.69,"end":335.10782,"sentiment":"neutral","sentiment_score":0.28953097231926456}],"sentiment":"neutral","sentiment_score":0.28953097231926456,"channel":0,"num_words":31,"start":327.69,"end":335.10782},{"sentences":[{"text":"Yep.","start":334.9,"end":335.4,"sentiment":"neutral","sentiment_score":0.23041121661663055}],"sentiment":"neutral","sentiment_score":0.23041121661663055,"channel":1,"num_words":1,"start":334.9,"end":335.4},{"sentences":[{"text":"a property investment.","start":335.10782,"end":336.01663,"sentiment":"neutral","sentiment_score":0.2398885985215505},{"text":"And then, yeah, there is the option if you can sort of service a future loan just having another investment property in your name to if your main concern was, you know, the amount of income you're bringing in versus the taxes that you're offsetting.","start":336.01663,"end":348.73,"sentiment":"neutral","sentiment_score":0.15215822963251008}],"sentiment":"neutral","sentiment_score":0.1576413776880751,"channel":0,"num_words":48,"start":335.10782,"end":348.73},{"sentences":[{"text":"Yep.","start":349.155,"end":349.655,"sentiment":"neutral","sentiment_score":0.13590073585510254},{"text":"Yep.","start":351.39502,"end":351.875,"sentiment":"neutral","sentiment_score":0.17516884207725525},{"text":"That's","start":351.875,"end":352.195,"sentiment":"neutral","sentiment_score":0.22422993183135984}],"sentiment":"neutral","sentiment_score":0.17843316992123923,"channel":1,"num_words":3,"start":349.155,"end":352.195},{"sentences":[{"text":"So","start":351.99,"end":352.22998,"sentiment":"neutral","sentiment_score":0.20586071908473969}],"sentiment":"neutral","sentiment_score":0.20586071908473969,"channel":0,"num_words":1,"start":351.99,"end":352.22998},{"sentences":[{"text":"it.","start":352.195,"end":352.695,"sentiment":"neutral","sentiment_score":0.2453395128250122}],"sentiment":"neutral","sentiment_score":0.2453395128250122,"channel":1,"num_words":1,"start":352.195,"end":352.695},{"sentences":[{"text":"there's, yeah, there's a few different options there for you in terms of, like, the way you can look at it and then what you sort of value more.","start":352.22998,"end":359.685,"sentiment":"neutral","sentiment_score":0.2793524655802497},{"text":"And then we can even refer you on to a mortgage broker and sort of get an opinion based on the markets and what they think or maybe what you can get for it and what maybe is out there in terms of if you did wanna look at buying again.","start":359.685,"end":370.745,"sentiment":"neutral","sentiment_score":0.2555119970849916}],"sentiment":"neutral","sentiment_score":0.26415416691452265,"channel":0,"num_words":80,"start":352.22998,"end":370.745},{"sentences":[{"text":"Yeah.","start":371.965,"end":372.285,"sentiment":"neutral","sentiment_score":0.02215191349387169},{"text":"I don't think we'd I don't reckon we'd leave it, like, twelve months or anything.","start":372.285,"end":377.26498,"sentiment":"neutral","sentiment_score":-0.2248315985004107}],"sentiment":"neutral","sentiment_score":-0.20939512900076807,"channel":1,"num_words":16,"start":371.965,"end":377.26498},{"sentences":[{"text":"Yep.","start":377.96002,"end":378.46002,"sentiment":"neutral","sentiment_score":0.05015025660395622}],"sentiment":"neutral","sentiment_score":0.05015025660395622,"channel":0,"num_words":1,"start":377.96002,"end":378.46002},{"sentences":[{"text":"But, yeah, there's a couple of options I've thought of, but yes.","start":378.125,"end":384.94,"sentiment":"neutral","sentiment_score":0.09659874501327674}],"sentiment":"neutral","sentiment_score":0.09659874501327674,"channel":1,"num_words":12,"start":378.125,"end":384.94},{"sentences":[{"text":"And from, like, obviously, you know, the few different things there, if you like, is there one that sort of jumps out to you more?","start":386.935,"end":393.01498,"sentiment":"neutral","sentiment_score":0.07862597584724426},{"text":"Is there one that sort of you feel","start":393.01498,"end":395.095,"sentiment":"neutral","sentiment_score":0.013486763695254922}],"sentiment":"neutral","sentiment_score":0.06283465168918624,"channel":0,"num_words":33,"start":386.935,"end":395.095},{"sentences":[{"text":"Well","start":395.025,"end":395.525,"sentiment":"neutral","sentiment_score":-0.003936098888516426}],"sentiment":"neutral","sentiment_score":-0.003936098888516426,"channel":1,"num_words":1,"start":395.025,"end":395.525},{"sentences":[{"text":"like?","start":395.095,"end":395.595,"sentiment":"neutral","sentiment_score":-0.017603866755962372}],"sentiment":"neutral","sentiment_score":-0.017603866755962372,"channel":0,"num_words":1,"start":395.095,"end":395.595},{"sentences":[{"text":"well, I was talking to a mate, and he's got just a problem at worst with him.","start":395.825,"end":402.325,"sentiment":"negative","sentiment_score":-0.3657521842157139},{"text":"And he's actually sold all these houses and gone into sort of industrial shed.","start":402.785,"end":407.845,"sentiment":"negative","sentiment_score":-0.391720460993903}],"sentiment":"negative","sentiment_score":-0.3774797930832832,"channel":1,"num_words":31,"start":395.825,"end":407.845},{"sentences":[{"text":"Yep.","start":408.79498,"end":409.29498,"sentiment":"neutral","sentiment_score":-0.06145184487104416}],"sentiment":"neutral","sentiment_score":-0.06145184487104416,"channel":0,"num_words":1,"start":408.79498,"end":409.29498},{"sentences":[{"text":"You know?","start":409.11002,"end":409.51,"sentiment":"neutral","sentiment_score":-0.10942743346095085},{"text":"And there's no upkeep, but he gets good return as a rental.","start":409.51,"end":414.25,"sentiment":"neutral","sentiment_score":-0.028864646330475807},{"text":"And yeah.","start":415.35,"end":416.33002,"sentiment":"neutral","sentiment_score":-0.26042817533016205},{"text":"Like, what's the worst I can do?","start":416.39,"end":417.83002,"sentiment":"negative","sentiment_score":-0.5758366457053593},{"text":"Put a dent in the sheet.","start":417.83002,"end":419.05002,"sentiment":"negative","sentiment_score":-0.7013311187426249}],"sentiment":"neutral","sentiment_score":-0.32154931744624826,"channel":1,"num_words":29,"start":409.11002,"end":419.05002},{"sentences":[{"text":"And I was sort of","start":419.91,"end":420.87003,"sentiment":"neutral","sentiment_score":-0.3237776875495911}],"sentiment":"neutral","sentiment_score":-0.3237776875495911,"channel":1,"num_words":5,"start":419.91,"end":420.87003},{"sentences":[{"text":"Yeah.","start":420.78,"end":421.28,"sentiment":"neutral","sentiment_score":-0.24891430139541623}],"sentiment":"neutral","sentiment_score":-0.24891430139541623,"channel":0,"num_words":1,"start":420.78,"end":421.28},{"sentences":[{"text":"thinking down that alley, like, get rid of this, take off whatever would it takes off the mortgage and maybe chase something down that avenue.","start":420.87003,"end":432.475,"sentiment":"negative","sentiment_score":-0.44980625867843627},{"text":"I'm not sure.","start":432.475,"end":433.375,"sentiment":"neutral","sentiment_score":-0.2648435632387797}],"sentiment":"negative","sentiment_score":-0.42998882702418734,"channel":1,"num_words":28,"start":420.87003,"end":433.375},{"sentences":[{"text":"Like, the commercial space?","start":434.715,"end":436.175,"sentiment":"neutral","sentiment_score":-0.22093846648931503}],"sentiment":"neutral","sentiment_score":-0.22093846648931503,"channel":0,"num_words":4,"start":434.715,"end":436.175},{"sentences":[{"text":"Yeah.","start":436.875,"end":437.375,"sentiment":"neutral","sentiment_score":-0.08009647578001022},{"text":"Yeah.","start":438.28,"end":438.68,"sentiment":"neutral","sentiment_score":-0.10559530556201936},{"text":"Where where they lock because I I can build a build a shed and and I can do this concreting.","start":438.68,"end":443.9,"sentiment":"neutral","sentiment_score":0.09135222434997559},{"text":"I could yeah.","start":444.84,"end":445.4,"sentiment":"neutral","sentiment_score":0.08295584221680959},{"text":"If I bought a block and done went down that alley.","start":445.4,"end":448.52,"sentiment":"neutral","sentiment_score":0.04888398505069993}],"sentiment":"neutral","sentiment_score":0.06744289077404472,"channel":1,"num_words":36,"start":436.875,"end":448.52},{"sentences":[{"text":"I'm It'd be up in a home.","start":448.52,"end":450.535,"sentiment":"neutral","sentiment_score":0.030258829040186747},{"text":"I'm not not a 100% sure.","start":450.535,"end":452.23502,"sentiment":"neutral","sentiment_score":-0.10223616038759549}],"sentiment":"neutral","sentiment_score":-0.030892704541866597,"channel":1,"num_words":13,"start":448.52,"end":452.23502},{"sentences":[{"text":"Yeah.","start":454.00998,"end":454.50998,"sentiment":"neutral","sentiment_score":0.04835302382707596},{"text":"Because even then, like, when you have a discussion with a mortgage broker, can they can sort of even let you know your serviceability of a new loan, what that might look like based on your current","start":455.44998,"end":463.365,"sentiment":"neutral","sentiment_score":0.08315378900718044}],"sentiment":"neutral","sentiment_score":0.0822379793971777,"channel":0,"num_words":38,"start":454.00998,"end":463.365},{"sentences":[{"text":"But","start":463.095,"end":463.595,"sentiment":"neutral","sentiment_score":-0.014056574553251266}],"sentiment":"neutral","sentiment_score":-0.014056574553251266,"channel":1,"num_words":1,"start":463.095,"end":463.595},{"sentences":[{"text":"situation","start":463.365,"end":463.865,"sentiment":"neutral","sentiment_score":-0.040065594017505646}],"sentiment":"neutral","sentiment_score":-0.040065594017505646,"channel":0,"num_words":1,"start":463.365,"end":463.865},{"sentences":[{"text":"yep.","start":464.135,"end":464.635,"sentiment":"neutral","sentiment_score":-0.034045424312353134},{"text":"Okay.","start":464.775,"end":465.275,"sentiment":"neutral","sentiment_score":0.052496153861284256}],"sentiment":"neutral","sentiment_score":0.009225364774465561,"channel":1,"num_words":2,"start":464.135,"end":465.275},{"sentences":[{"text":"then versus, like, selling the property as well and then what that","start":465.04498,"end":469.285,"sentiment":"neutral","sentiment_score":-0.008863144437782466}],"sentiment":"neutral","sentiment_score":-0.008863144437782466,"channel":0,"num_words":12,"start":465.04498,"end":469.285},{"sentences":[{"text":"Yep.","start":469.19998,"end":469.69998,"sentiment":"neutral","sentiment_score":-0.004341874271631241}],"sentiment":"neutral","sentiment_score":-0.004341874271631241,"channel":1,"num_words":1,"start":469.19998,"end":469.69998},{"sentences":[{"text":"sort of looks like.","start":469.285,"end":470.085,"sentiment":"neutral","sentiment_score":-0.002844124101102352},{"text":"Because, obviously, in terms of, like, your income versus what you're saving, as a household, you've got quite a number of savings sitting there as well.","start":470.085,"end":478.28,"sentiment":"neutral","sentiment_score":0.1301083953048174},{"text":"So you're obviously, based on your current situation, able to to pay your current mortgage repayments.","start":478.42,"end":483.72,"sentiment":"neutral","sentiment_score":0.14613765524700284},{"text":"So even then, it becomes a matter of fact of, like, if you did sell that property, put it on the the primary residence and you aren't sort of doing anything like that, you're gonna have a bit more disposable income.","start":485.475,"end":493.79498,"sentiment":"neutral","sentiment_score":0.009246034365965099},{"text":"And will you be putting that towards the mortgage more future investments, or will you just sort of, you know, up your spending a little bit as well, which tends to happen when you got a bit more free cash","start":493.79498,"end":502.78,"sentiment":"neutral","sentiment_score":0.06622082749381661}],"sentiment":"neutral","sentiment_score":0.06879972263173324,"channel":0,"num_words":127,"start":469.285,"end":502.78},{"sentences":[{"text":"Yep.","start":502.72,"end":503.22,"sentiment":"neutral","sentiment_score":0.05954277515411377}],"sentiment":"neutral","sentiment_score":0.05954277515411377,"channel":1,"num_words":1,"start":502.72,"end":503.22},{"sentences":[{"text":"flow?","start":502.78,"end":503.28,"sentiment":"neutral","sentiment_score":0.08160444349050522}],"sentiment":"neutral","sentiment_score":0.08160444349050522,"channel":0,"num_words":1,"start":502.78,"end":503.28},{"sentences":[{"text":"Yes.","start":503.36,"end":503.86,"sentiment":"neutral","sentiment_score":0.08063314855098724},{"text":"Yeah.","start":503.91998,"end":504.41998,"sentiment":"neutral","sentiment_score":0.09066396951675416}],"sentiment":"neutral","sentiment_score":0.0856485590338707,"channel":1,"num_words":2,"start":503.36,"end":504.41998},{"sentences":[{"text":"So those are all things to to consider.","start":505.97998,"end":507.84,"sentiment":"neutral","sentiment_score":0.1340032098814845},{"text":"We can obviously make that referral.","start":508.62,"end":510.37997,"sentiment":"neutral","sentiment_score":0.31023139258225757},{"text":"I'll email through a referral to a local mortgage broker we've got here just with your","start":510.37997,"end":516.095,"sentiment":"neutral","sentiment_score":0.22269124630838633}],"sentiment":"neutral","sentiment_score":0.21654913251598676,"channel":0,"num_words":30,"start":505.97998,"end":516.095},{"sentences":[{"text":"Yep.","start":516.095,"end":516.595,"sentiment":"neutral","sentiment_score":0.14794433116912842}],"sentiment":"neutral","sentiment_score":0.14794433116912842,"channel":1,"num_words":1,"start":516.095,"end":516.595},{"sentences":[{"text":"general situation, what you might be looking to do, and you can have","start":516.095,"end":518.57495,"sentiment":"neutral","sentiment_score":0.19643378601624414}],"sentiment":"neutral","sentiment_score":0.19643378601624414,"channel":0,"num_words":13,"start":516.095,"end":518.57495},{"sentences":[{"text":"Yep.","start":518.57,"end":519.07,"sentiment":"neutral","sentiment_score":0.1504562944173813}],"sentiment":"neutral","sentiment_score":0.1504562944173813,"channel":1,"num_words":1,"start":518.57,"end":519.07},{"sentences":[{"text":"a discussion with them","start":518.57495,"end":519.71497,"sentiment":"neutral","sentiment_score":0.1363908164203167}],"sentiment":"neutral","sentiment_score":0.1363908164203167,"channel":0,"num_words":4,"start":518.57495,"end":519.71497},{"sentences":[{"text":"Okay.","start":519.29004,"end":519.79004,"sentiment":"neutral","sentiment_score":0.1602996438741684}],"sentiment":"neutral","sentiment_score":0.1602996438741684,"channel":1,"num_words":1,"start":519.29004,"end":519.79004},{"sentences":[{"text":"to see how, yeah, you might wanna work things if you feel like it might be in your favor.","start":519.855,"end":524.095,"sentiment":"neutral","sentiment_score":0.17765411773794576},{"text":"Obviously, in regards to if your main concern is, you know, offsetting that and having something negatively geared, the only sort of way to do that potentially is just to have another investment of sort of a high capital investment property.","start":524.095,"end":538.08,"sentiment":"negative","sentiment_score":-0.47830744414794735}],"sentiment":"neutral","sentiment_score":-0.2705862828840812,"channel":0,"num_words":60,"start":519.855,"end":538.08},{"sentences":[{"text":"Yeah.","start":538.265,"end":538.765,"sentiment":"neutral","sentiment_score":-0.06199242919683456},{"text":"Yeah.","start":538.825,"end":539.325,"sentiment":"neutral","sentiment_score":-0.03778086230158806}],"sentiment":"neutral","sentiment_score":-0.04988664574921131,"channel":1,"num_words":2,"start":538.265,"end":539.325},{"sentences":[{"text":"And if you did wanna just sort of sell it, not worry about it, and not be invested in in property for a while, you can have a discussion with us about potential, like just investment IDPS accounts or, you know, setting up a few things for the children for their future, like some investment","start":539.74,"end":555.47504,"sentiment":"neutral","sentiment_score":0.28594095625660637}],"sentiment":"neutral","sentiment_score":0.28594095625660637,"channel":0,"num_words":55,"start":539.74,"end":555.47504},{"sentences":[{"text":"Yes.","start":555.07996,"end":555.57996,"sentiment":"neutral","sentiment_score":0.2864587604999542}],"sentiment":"neutral","sentiment_score":0.2864587604999542,"channel":1,"num_words":1,"start":555.07996,"end":555.57996},{"sentences":[{"text":"bonds, things like that, or something for, like, an earlier sort of retirement and having that invested in, like, a tax effective manner to be drawn down on in, like, 10 when you're sitting hitting around that 55 mark","start":555.47504,"end":566.18,"sentiment":"neutral","sentiment_score":0.32263306203560954}],"sentiment":"neutral","sentiment_score":0.32263306203560954,"channel":0,"num_words":39,"start":555.47504,"end":566.18},{"sentences":[{"text":"Yeah.","start":565.96497,"end":566.445,"sentiment":"neutral","sentiment_score":0.16482090950012207}],"sentiment":"neutral","sentiment_score":0.16482090950012207,"channel":1,"num_words":1,"start":565.96497,"end":566.445},{"sentences":[{"text":"and maybe","start":566.18,"end":566.58,"sentiment":"neutral","sentiment_score":0.12168048322200775}],"sentiment":"neutral","sentiment_score":0.12168048322200775,"channel":0,"num_words":2,"start":566.18,"end":566.58},{"sentences":[{"text":"The","start":566.445,"end":566.605,"sentiment":"neutral","sentiment_score":0.11920087039470673}],"sentiment":"neutral","sentiment_score":0.11920087039470673,"channel":1,"num_words":1,"start":566.445,"end":566.605},{"sentences":[{"text":"you","start":566.58,"end":566.66003,"sentiment":"neutral","sentiment_score":0.12516148388385773}],"sentiment":"neutral","sentiment_score":0.12516148388385773,"channel":0,"num_words":1,"start":566.58,"end":566.66003},{"sentences":[{"text":"last","start":566.605,"end":566.925,"sentiment":"neutral","sentiment_score":0.06448718905448914}],"sentiment":"neutral","sentiment_score":0.06448718905448914,"channel":1,"num_words":1,"start":566.605,"end":566.925},{"sentences":[{"text":"wanna do,","start":566.66003,"end":567.4,"sentiment":"neutral","sentiment_score":0.09012337774038315}],"sentiment":"neutral","sentiment_score":0.09012337774038315,"channel":0,"num_words":2,"start":566.66003,"end":567.4},{"sentences":[{"text":"one.","start":566.925,"end":567.425,"sentiment":"neutral","sentiment_score":0.05734643712639809}],"sentiment":"neutral","sentiment_score":0.05734643712639809,"channel":1,"num_words":1,"start":566.925,"end":567.425},{"sentences":[{"text":"you know, a trip to to Italy before you you're too old and don't wanna sort of walk the the steps you do over there.","start":567.62,"end":573.075,"sentiment":"neutral","sentiment_score":0.05215480079874396}],"sentiment":"neutral","sentiment_score":0.05215480079874396,"channel":0,"num_words":25,"start":567.62,"end":573.075},{"sentences":[{"text":"Yes.","start":574.14996,"end":574.47,"sentiment":"neutral","sentiment_score":0.2785797119140625},{"text":"That's very true.","start":574.47,"end":575.45,"sentiment":"positive","sentiment_score":0.416350136200587}],"sentiment":"positive","sentiment_score":0.38190753012895584,"channel":1,"num_words":4,"start":574.14996,"end":575.45},{"sentences":[{"text":"But I'll pass that along.","start":577.875,"end":579.075,"sentiment":"neutral","sentiment_score":0.22181979417800904},{"text":"And then","start":579.075,"end":579.395,"sentiment":"neutral","sentiment_score":0.1828608289361}],"sentiment":"neutral","sentiment_score":0.21068866125174932,"channel":0,"num_words":7,"start":577.875,"end":579.395},{"sentences":[{"text":"Yeah.","start":579.35,"end":579.67,"sentiment":"neutral","sentiment_score":0.15393298864364624}],"sentiment":"neutral","sentiment_score":0.15393298864364624,"channel":1,"num_words":1,"start":579.35,"end":579.67},{"sentences":[{"text":"if after","start":579.395,"end":579.875,"sentiment":"neutral","sentiment_score":0.09443871304392815}],"sentiment":"neutral","sentiment_score":0.09443871304392815,"channel":0,"num_words":2,"start":579.395,"end":579.875},{"sentences":[{"text":"Okay.","start":579.67,"end":580.17,"sentiment":"neutral","sentiment_score":0.136182963848114}],"sentiment":"neutral","sentiment_score":0.136182963848114,"channel":1,"num_words":1,"start":579.67,"end":580.17},{"sentences":[{"text":"you have a conversation, then wanna have another chat and around the potential","start":579.875,"end":582.85504,"sentiment":"neutral","sentiment_score":0.19801578269555017}],"sentiment":"neutral","sentiment_score":0.19801578269555017,"channel":0,"num_words":13,"start":579.875,"end":582.85504},{"sentences":[{"text":"Yep.","start":582.39,"end":582.89,"sentiment":"neutral","sentiment_score":0.25518953800201416}],"sentiment":"neutral","sentiment_score":0.25518953800201416,"channel":1,"num_words":1,"start":582.39,"end":582.89},{"sentences":[{"text":"options you've got there once you get that information.","start":583.155,"end":585.395,"sentiment":"neutral","sentiment_score":0.2737279385328293},{"text":"Because, obviously, in regards to the the market and the actual property space, they'd be able to give you a better indication of what you might be able to sell for with everything going on and everything as well.","start":585.395,"end":594.31,"sentiment":"neutral","sentiment_score":0.31099649767080945}],"sentiment":"neutral","sentiment_score":0.30400864283243817,"channel":0,"num_words":48,"start":583.155,"end":594.31},{"sentences":[{"text":"Yeah.","start":594.355,"end":594.835,"sentiment":"neutral","sentiment_score":0.0996488481760025},{"text":"Okay.","start":594.835,"end":595.15497,"sentiment":"neutral","sentiment_score":0.07039038836956024},{"text":"I know the drama.","start":595.15497,"end":596.135,"sentiment":"neutral","sentiment_score":-0.05142238177359104}],"sentiment":"neutral","sentiment_score":-0.005941715091466904,"channel":1,"num_words":6,"start":594.355,"end":596.135},{"sentences":[{"text":"And then, also, they could potentially look at, like, a a refinance and things like that.","start":598.29,"end":601.90497,"sentiment":"neutral","sentiment_score":-0.007669317536056042},{"text":"But, obviously, with the current market and the interest rate, everything going up might","start":601.90497,"end":605.345,"sentiment":"neutral","sentiment_score":-0.08210723022265094}],"sentiment":"neutral","sentiment_score":-0.04240701012313366,"channel":0,"num_words":30,"start":598.29,"end":605.345},{"sentences":[{"text":"Well,","start":605.2,"end":605.7,"sentiment":"neutral","sentiment_score":-0.1799597144126892}],"sentiment":"neutral","sentiment_score":-0.1799597144126892,"channel":1,"num_words":1,"start":605.2,"end":605.7},{"sentences":[{"text":"not be the the best time,","start":605.345,"end":607.105,"sentiment":"negative","sentiment_score":-0.3833490461111069}],"sentiment":"negative","sentiment_score":-0.3833490461111069,"channel":0,"num_words":6,"start":605.345,"end":607.105},{"sentences":[{"text":"in","start":606.96,"end":607.2,"sentiment":"neutral","sentiment_score":-0.28496015071868896}],"sentiment":"neutral","sentiment_score":-0.28496015071868896,"channel":1,"num_words":1,"start":606.96,"end":607.2},{"sentences":[{"text":"but","start":607.105,"end":607.345,"sentiment":"neutral","sentiment_score":-0.17080087959766388}],"sentiment":"neutral","sentiment_score":-0.17080087959766388,"channel":0,"num_words":1,"start":607.105,"end":607.345},{"sentences":[{"text":"the best","start":607.2,"end":607.60004,"sentiment":"neutral","sentiment_score":-0.2536662220954895}],"sentiment":"neutral","sentiment_score":-0.2536662220954895,"channel":1,"num_words":2,"start":607.2,"end":607.60004},{"sentences":[{"text":"that might","start":607.345,"end":607.665,"sentiment":"neutral","sentiment_score":-0.23245247453451157}],"sentiment":"neutral","sentiment_score":-0.23245247453451157,"channel":0,"num_words":2,"start":607.345,"end":607.665},{"sentences":[{"text":"interest","start":607.60004,"end":607.92004,"sentiment":"neutral","sentiment_score":-0.2541835606098175}],"sentiment":"neutral","sentiment_score":-0.2541835606098175,"channel":1,"num_words":1,"start":607.60004,"end":607.92004},{"sentences":[{"text":"be a","start":607.665,"end":608.40497,"sentiment":"neutral","sentiment_score":-0.26755116134881973}],"sentiment":"neutral","sentiment_score":-0.26755116134881973,"channel":0,"num_words":2,"start":607.665,"end":608.40497},{"sentences":[{"text":"yeah.","start":608.0,"end":608.24,"sentiment":"neutral","sentiment_score":-0.28588980436325073},{"text":"Like, I'd","start":608.24,"end":608.8,"sentiment":"neutral","sentiment_score":-0.20140965282917023}],"sentiment":"neutral","sentiment_score":-0.2295697033405304,"channel":1,"num_words":3,"start":608.0,"end":608.8},{"sentences":[{"text":"yeah.","start":608.70496,"end":609.20496,"sentiment":"neutral","sentiment_score":-0.1917080283164978}],"sentiment":"neutral","sentiment_score":-0.1917080283164978,"channel":0,"num_words":1,"start":608.70496,"end":609.20496},{"sentences":[{"text":"I'd probably I think, see what this all happened what all happened to you and and the settled panel got us crazy or I'd probably be mad to sort of get rid of it.","start":608.8,"end":623.20496,"sentiment":"negative","sentiment_score":-0.3869400646756677},{"text":"Wouldn't","start":623.20496,"end":623.70496,"sentiment":"neutral","sentiment_score":-0.11422903835773468}],"sentiment":"negative","sentiment_score":-0.3791483210665839,"channel":1,"num_words":35,"start":608.8,"end":623.70496},{"sentences":[{"text":"Yeah.","start":625.2,"end":625.7,"sentiment":"neutral","sentiment_score":-0.08531065285205841},{"text":"Well, it just it's just one of those things like you've you've paid it off.","start":625.76,"end":630.345,"sentiment":"neutral","sentiment_score":-0.06789131437738737},{"text":"It's you're still getting capital growth out of it.","start":630.345,"end":632.505,"sentiment":"neutral","sentiment_score":0.31539517309930587},{"text":"Obviously, if it takes a little bit of a dip with what's currently happening, it doesn't matter if you're still planning","start":632.505,"end":636.425,"sentiment":"neutral","sentiment_score":-0.11110260779969394}],"sentiment":"neutral","sentiment_score":-0.013006055965493231,"channel":0,"num_words":46,"start":625.2,"end":636.425},{"sentences":[{"text":"Yep.","start":636.20996,"end":636.70996,"sentiment":"neutral","sentiment_score":0.054836541414260864}],"sentiment":"neutral","sentiment_score":0.054836541414260864,"channel":1,"num_words":1,"start":636.20996,"end":636.70996},{"sentences":[{"text":"on holding it long term and you are still getting an income out of that.","start":636.425,"end":640.52,"sentiment":"neutral","sentiment_score":0.26424793203671776},{"text":"Another option, obviously, with your your self employed business and things like that is just upping, you know, your expansion expenditure to where you're not earning as much as a self employed person, and you're getting a bit of more growth out of your your business because you","start":640.52,"end":654.135,"sentiment":"positive","sentiment_score":0.37954261029760045}],"sentiment":"positive","sentiment_score":0.3520914964259617,"channel":0,"num_words":63,"start":636.425,"end":654.135},{"sentences":[{"text":"Yep.","start":654.005,"end":654.505,"sentiment":"positive","sentiment_score":0.4784553647041321}],"sentiment":"positive","sentiment_score":0.4784553647041321,"channel":1,"num_words":1,"start":654.005,"end":654.505},{"sentences":[{"text":"don't have any debt currently in that.","start":654.135,"end":656.23505,"sentiment":"neutral","sentiment_score":0.1312492106642042},{"text":"So that potentially could be something you could have a discussion with your accountant on how much you wanna potentially grow that.","start":656.375,"end":661.67505,"sentiment":"positive","sentiment_score":0.3626339537176219},{"text":"And if, you know, upping the expenditure a little bit offsets that income that you are earning from the investment property and you get a little bit of expansion out of your business, whether that be building a shed or things like that for the growth of your company.","start":662.375,"end":674.73,"sentiment":"positive","sentiment_score":0.4184313218812553}],"sentiment":"positive","sentiment_score":0.3769208490848541,"channel":0,"num_words":78,"start":654.135,"end":674.73},{"sentences":[{"text":"Yeah.","start":675.205,"end":675.705,"sentiment":"neutral","sentiment_score":0.11168520152568816},{"text":"Fair enough.","start":675.925,"end":676.745,"sentiment":"neutral","sentiment_score":0.1609191969037056},{"text":"Yeah.","start":678.885,"end":678.965,"sentiment":"neutral","sentiment_score":0.10251040011644363},{"text":"For all my sales of it.","start":678.965,"end":680.665,"sentiment":"neutral","sentiment_score":0.08588099790116151}],"sentiment":"neutral","sentiment_score":0.1051319982856512,"channel":1,"num_words":10,"start":675.205,"end":680.665},{"sentences":[{"text":"Yeah.","start":681.765,"end":682.005,"sentiment":"neutral","sentiment_score":0.06376075744628906},{"text":"So there's definitely like, there's no no one way about it.","start":682.005,"end":685.365,"sentiment":"neutral","sentiment_score":-0.07453922478651459},{"text":"It sort of","start":685.365,"end":685.925,"sentiment":"neutral","sentiment_score":-0.08311331272125244}],"sentiment":"neutral","sentiment_score":-0.06703404355794192,"channel":0,"num_words":15,"start":681.765,"end":685.925},{"sentences":[{"text":"No.","start":685.77,"end":686.27,"sentiment":"neutral","sentiment_score":-0.1855815351009369}],"sentiment":"neutral","sentiment_score":-0.1855815351009369,"channel":1,"num_words":1,"start":685.77,"end":686.27},{"sentences":[{"text":"depends what you do wanna achieve.","start":685.925,"end":687.845,"sentiment":"neutral","sentiment_score":-0.04126609737674395},{"text":"And if you sort of just comfortable, you know, selling and having on the mortgage, that's one thing versus, like, other ways to sort of potentially keep it and maybe just keep leveraging a little bit more","start":687.845,"end":697.16003,"sentiment":"neutral","sentiment_score":0.004326210734811989}],"sentiment":"neutral","sentiment_score":-0.0020355066761027934,"channel":0,"num_words":43,"start":685.925,"end":697.16003},{"sentences":[{"text":"Yeah.","start":697.29004,"end":697.79004,"sentiment":"neutral","sentiment_score":-0.030686747282743457}],"sentiment":"neutral","sentiment_score":-0.030686747282743457,"channel":1,"num_words":1,"start":697.29004,"end":697.79004},{"sentences":[{"text":"given the current times there as well.","start":698.58,"end":700.10004,"sentiment":"neutral","sentiment_score":-0.05362924986651966},{"text":"But I'll make that referral through.","start":700.10004,"end":701.38,"sentiment":"neutral","sentiment_score":0.01851519150659442},{"text":"You can","start":701.38,"end":701.7,"sentiment":"neutral","sentiment_score":0.05997443571686745}],"sentiment":"neutral","sentiment_score":-0.00962431523948908,"channel":0,"num_words":15,"start":698.58,"end":701.7},{"sentences":[{"text":"Okay.","start":701.585,"end":702.085,"sentiment":"neutral","sentiment_score":0.07437843829393387}],"sentiment":"neutral","sentiment_score":0.07437843829393387,"channel":1,"num_words":1,"start":701.585,"end":702.085},{"sentences":[{"text":"have a discussion with them about what you potentially wanna do.","start":701.7,"end":704.26,"sentiment":"neutral","sentiment_score":0.08902008425105702},{"text":"And","start":704.26,"end":704.42,"sentiment":"neutral","sentiment_score":0.08041010797023773}],"sentiment":"neutral","sentiment_score":0.08830258622765541,"channel":0,"num_words":12,"start":701.7,"end":704.42},{"sentences":[{"text":"Yep.","start":704.385,"end":704.885,"sentiment":"neutral","sentiment_score":0.0517265610396862}],"sentiment":"neutral","sentiment_score":0.0517265610396862,"channel":1,"num_words":1,"start":704.385,"end":704.885},{"sentences":[{"text":"then if you, you know, make up your mind or if you have a discussion with your account and you don't wanna sort of build on your your business much more and lowering that income or drawing a bit less because, obviously, being self employed, whatever you earn is, you know, that what you take home income is.","start":704.42,"end":719.045,"sentiment":"neutral","sentiment_score":-0.049045713297252},{"text":"Whereas if you're spending it, it's an expense at that point to","start":719.045,"end":723.98,"sentiment":"neutral","sentiment_score":-0.13663270883262157}],"sentiment":"neutral","sentiment_score":-0.06406062681760107,"channel":0,"num_words":70,"start":704.42,"end":723.98},{"sentences":[{"text":"Yep.","start":723.82,"end":724.32,"sentiment":"neutral","sentiment_score":-0.04760725051164627}],"sentiment":"neutral","sentiment_score":-0.04760725051164627,"channel":1,"num_words":1,"start":723.82,"end":724.32},{"sentences":[{"text":"growing your business.","start":723.98,"end":724.95996,"sentiment":"neutral","sentiment_score":0.06594176217913628}],"sentiment":"neutral","sentiment_score":0.06594176217913628,"channel":0,"num_words":3,"start":723.98,"end":724.95996},{"sentences":[{"text":"Yeah.","start":725.82,"end":726.30005,"sentiment":"neutral","sentiment_score":0.010641755536198616},{"text":"Yep.","start":726.30005,"end":726.735,"sentiment":"neutral","sentiment_score":0.0031282815616577864},{"text":"Yeah.","start":726.975,"end":727.135,"sentiment":"neutral","sentiment_score":-0.009725835174322128},{"text":"I'd be yeah.","start":727.135,"end":727.77496,"sentiment":"neutral","sentiment_score":-0.05323982611298561},{"text":"Probably would, but no.","start":727.77496,"end":732.255,"sentiment":"neutral","sentiment_score":-0.09235973842442036}],"sentiment":"neutral","sentiment_score":-0.0525114230113104,"channel":1,"num_words":10,"start":725.82,"end":732.255},{"sentences":[{"text":"That'll be fine.","start":732.255,"end":733.315,"sentiment":"positive","sentiment_score":0.5064508020877838}],"sentiment":"positive","sentiment_score":0.5064508020877838,"channel":1,"num_words":3,"start":732.255,"end":733.315},{"sentences":[{"text":"Not a problem.","start":734.155,"end":735.055,"sentiment":"positive","sentiment_score":0.3820416529973348},{"text":"Well, is there any other questions you've got in regards to that at all?","start":735.275,"end":738.335,"sentiment":"neutral","sentiment_score":0.11732453746455056}],"sentiment":"neutral","sentiment_score":0.16403932255857132,"channel":0,"num_words":17,"start":734.155,"end":738.335},{"sentences":[{"text":"No.","start":738.65497,"end":739.055,"sentiment":"neutral","sentiment_score":0.1957787573337555},{"text":"Thanks for all this.","start":739.055,"end":740.195,"sentiment":"positive","sentiment_score":0.45083290338516235},{"text":"Sort of summed it up and give me a bit yeah.","start":740.61,"end":743.57,"sentiment":"neutral","sentiment_score":0.2925709296356548},{"text":"I sort of thought that anyway, but I just want to yeah.","start":743.57,"end":747.25,"sentiment":"neutral","sentiment_score":0.08570930703232686},{"text":"Haven't haven't gone to you and see what your thoughts were.","start":747.25,"end":750.31,"sentiment":"neutral","sentiment_score":0.01592734252864664}],"sentiment":"neutral","sentiment_score":0.16464366792486265,"channel":1,"num_words":39,"start":738.65497,"end":750.31},{"sentences":[{"text":"Yeah.","start":751.53,"end":752.01,"sentiment":"neutral","sentiment_score":0.08943641185760498},{"text":"Obviously,","start":752.01,"end":752.51,"sentiment":"neutral","sentiment_score":0.05756032466888428}],"sentiment":"neutral","sentiment_score":0.07349836826324463,"channel":0,"num_words":2,"start":751.53,"end":752.51},{"sentences":[{"text":"And","start":752.13,"end":752.63,"sentiment":"neutral","sentiment_score":0.04512910544872284}],"sentiment":"neutral","sentiment_score":0.04512910544872284,"channel":1,"num_words":1,"start":752.13,"end":752.63},{"sentences":[{"text":"like, it probably just broadened what you had to think about a little bit more.","start":752.81,"end":756.41003,"sentiment":"neutral","sentiment_score":0.04764031767845154}],"sentiment":"neutral","sentiment_score":0.04764031767845154,"channel":0,"num_words":15,"start":752.81,"end":756.41003},{"sentences":[{"text":"Yeah.","start":756.38495,"end":756.865,"sentiment":"neutral","sentiment_score":0.12999358773231506}],"sentiment":"neutral","sentiment_score":0.12999358773231506,"channel":1,"num_words":1,"start":756.38495,"end":756.865},{"sentences":[{"text":"But","start":756.41003,"end":756.91003,"sentiment":"neutral","sentiment_score":0.15599165856838226}],"sentiment":"neutral","sentiment_score":0.15599165856838226,"channel":0,"num_words":1,"start":756.41003,"end":756.91003},{"sentences":[{"text":"Oh, exactly.","start":756.865,"end":757.605,"sentiment":"neutral","sentiment_score":0.2222456857562065}],"sentiment":"neutral","sentiment_score":0.2222456857562065,"channel":1,"num_words":2,"start":756.865,"end":757.605},{"sentences":[{"text":"yeah.","start":759.155,"end":759.395,"sentiment":"neutral","sentiment_score":0.2925340533256531},{"text":"And then you can have a chat with your your partner and potentially how you wanna move forward with that and what you're comfortable with because it's not all at the end of the day, it's not all about, you know, saving saving on tax.","start":759.395,"end":769.315,"sentiment":"neutral","sentiment_score":0.29790221386485627},{"text":"It's probably you gotta think long term as well.","start":769.315,"end":771.735,"sentiment":"neutral","sentiment_score":0.19222870137956408}],"sentiment":"neutral","sentiment_score":0.2805125816301866,"channel":0,"num_words":55,"start":759.155,"end":771.735},{"sentences":[{"text":"Yeah.","start":771.8,"end":772.04,"sentiment":"neutral","sentiment_score":0.13030260801315308},{"text":"Well, that was the whole reason I wanted to keep the house.","start":772.04,"end":774.77997,"sentiment":"neutral","sentiment_score":0.14934396681686243},{"text":"So if we're in a situation, we could've left it to the kids or that was our super or yeah, that was my end plan, really.","start":775.88,"end":786.44495,"sentiment":"neutral","sentiment_score":0.05930483878518526}],"sentiment":"neutral","sentiment_score":0.0888296414930851,"channel":1,"num_words":39,"start":771.8,"end":786.44495},{"sentences":[{"text":"Yeah.","start":787.205,"end":787.605,"sentiment":"neutral","sentiment_score":0.11993139982223512},{"text":"Because with that, you're obviously diversified across a couple of properties.","start":787.605,"end":790.485,"sentiment":"neutral","sentiment_score":0.12952440028840845},{"text":"It's all in the primary residence.","start":790.485,"end":791.84503,"sentiment":"neutral","sentiment_score":0.11932043979565303},{"text":"You know, if anything happens, you've like, that's just where you live at the end of the day.","start":791.84503,"end":795.605,"sentiment":"neutral","sentiment_score":0.10166629114084774},{"text":"It's not like you can sell that one.","start":795.605,"end":796.965,"sentiment":"neutral","sentiment_score":-0.15152376424521208}],"sentiment":"neutral","sentiment_score":0.06541876291686838,"channel":0,"num_words":44,"start":787.205,"end":796.965},{"sentences":[{"text":"Worst case scenario, and you can definitely still afford to keep it even if you are paying a little bit more tax at the the moment.","start":796.965,"end":803.02997,"sentiment":"neutral","sentiment_score":-0.13964424683497503}],"sentiment":"neutral","sentiment_score":-0.13964424683497503,"channel":0,"num_words":26,"start":796.965,"end":803.02997},{"sentences":[{"text":"Yeah.","start":804.55,"end":805.02997,"sentiment":"neutral","sentiment_score":0.09537112712860107},{"text":"Yeah.","start":805.02997,"end":805.52997,"sentiment":"neutral","sentiment_score":0.12740938365459442},{"text":"Hi,","start":806.87,"end":807.11,"sentiment":"neutral","sentiment_score":0.142281174659729}],"sentiment":"neutral","sentiment_score":0.12168722848097484,"channel":1,"num_words":3,"start":804.55,"end":807.11},{"sentences":[{"text":"And","start":806.93,"end":807.17,"sentiment":"neutral","sentiment_score":0.11253242939710616}],"sentiment":"neutral","sentiment_score":0.11253242939710616,"channel":0,"num_words":1,"start":806.93,"end":807.17},{"sentences":[{"text":"Thomas.","start":807.11,"end":807.61,"sentiment":"neutral","sentiment_score":0.0904972404241562}],"sentiment":"neutral","sentiment_score":0.0904972404241562,"channel":1,"num_words":1,"start":807.11,"end":807.61},{"sentences":[{"text":"like you said, yeah, like you said, that your kids might want a bit of extra room once they get a bit older as well","start":807.17,"end":812.62994,"sentiment":"neutral","sentiment_score":0.13088714867830276}],"sentiment":"neutral","sentiment_score":0.13088714867830276,"channel":0,"num_words":25,"start":807.17,"end":812.62994},{"sentences":[{"text":"Well, that's","start":812.735,"end":813.21497,"sentiment":"positive","sentiment_score":0.373675599694252}],"sentiment":"positive","sentiment_score":0.373675599694252,"channel":1,"num_words":2,"start":812.735,"end":813.21497},{"sentences":[{"text":"down","start":813.08997,"end":813.32996,"sentiment":"positive","sentiment_score":0.45575571060180664}],"sentiment":"positive","sentiment_score":0.45575571060180664,"channel":0,"num_words":1,"start":813.08997,"end":813.32996},{"sentences":[{"text":"good.","start":813.21497,"end":813.71497,"sentiment":"positive","sentiment_score":0.4050189256668091}],"sentiment":"positive","sentiment_score":0.4050189256668091,"channel":1,"num_words":1,"start":813.21497,"end":813.71497},{"sentences":[{"text":"the track.","start":813.32996,"end":813.99,"sentiment":"neutral","sentiment_score":0.19573787599802017}],"sentiment":"neutral","sentiment_score":0.19573787599802017,"channel":0,"num_words":2,"start":813.32996,"end":813.99},{"sentences":[{"text":"That was the the o d e.","start":814.65497,"end":816.035,"sentiment":"neutral","sentiment_score":0.10928099602460861}],"sentiment":"neutral","sentiment_score":0.10928099602460861,"channel":1,"num_words":7,"start":814.65497,"end":816.035},{"sentences":[{"text":"But, yeah, definitely plenty of other ways.","start":818.705,"end":820.145,"sentiment":"neutral","sentiment_score":0.1492769249847957},{"text":"The mortgage broker might give you a little bit more information potentially","start":820.145,"end":822.625,"sentiment":"neutral","sentiment_score":0.12003127733866374}],"sentiment":"neutral","sentiment_score":0.13080598962934395,"channel":0,"num_words":19,"start":818.705,"end":822.625},{"sentences":[{"text":"Yep.","start":822.57495,"end":823.07495,"sentiment":"neutral","sentiment_score":0.11152540147304536}],"sentiment":"neutral","sentiment_score":0.11152540147304536,"channel":1,"num_words":1,"start":822.57495,"end":823.07495},{"sentences":[{"text":"about and just leverage that and then taking on a bit more more debt if that's the way you sort of wanna work it.","start":822.625,"end":828.385,"sentiment":"neutral","sentiment_score":0.17878890984381238},{"text":"And then, yeah, you can have a discussion with your account, and they'll come back to us if you do wanna just look at the investment side of things and getting rid of it at the end of the day.","start":828.385,"end":835.33997,"sentiment":"neutral","sentiment_score":0.2702224936336279}],"sentiment":"neutral","sentiment_score":0.23593489971244708,"channel":0,"num_words":64,"start":822.625,"end":835.33997},{"sentences":[{"text":"Okay.","start":835.36,"end":835.86,"sentiment":"neutral","sentiment_score":0.21373718976974487},{"text":"Hi, Thomas.","start":836.08,"end":836.82,"sentiment":"neutral","sentiment_score":0.26331599056720734}],"sentiment":"neutral","sentiment_score":0.24678972363471985,"channel":1,"num_words":3,"start":835.36,"end":836.82},{"sentences":[{"text":"Not a problem at all, Daniel.","start":837.64,"end":838.76,"sentiment":"positive","sentiment_score":0.433917964498202},{"text":"Well, thanks","start":838.76,"end":839.0,"sentiment":"positive","sentiment_score":0.6659193634986877}],"sentiment":"positive","sentiment_score":0.49191831424832344,"channel":0,"num_words":8,"start":837.64,"end":839.0},{"sentences":[{"text":"Alright.","start":838.96,"end":839.28,"sentiment":"positive","sentiment_score":0.5626962184906006}],"sentiment":"positive","sentiment_score":0.5626962184906006,"channel":1,"num_words":1,"start":838.96,"end":839.28},{"sentences":[{"text":"for your","start":839.0,"end":839.32,"sentiment":"positive","sentiment_score":0.691287100315094}],"sentiment":"positive","sentiment_score":0.691287100315094,"channel":0,"num_words":2,"start":839.0,"end":839.32},{"sentences":[{"text":"Thanks,","start":839.28,"end":839.68,"sentiment":"positive","sentiment_score":0.7002911567687988}],"sentiment":"positive","sentiment_score":0.7002911567687988,"channel":1,"num_words":1,"start":839.28,"end":839.68},{"sentences":[{"text":"time.","start":839.32,"end":839.48,"sentiment":"positive","sentiment_score":0.701524019241333},{"text":"We'll send","start":839.48,"end":839.8,"sentiment":"positive","sentiment_score":0.4118569642305374}],"sentiment":"positive","sentiment_score":0.508412649234136,"channel":0,"num_words":3,"start":839.32,"end":839.8},{"sentences":[{"text":"Cole.","start":839.68,"end":840.105,"sentiment":"neutral","sentiment_score":0.18931534886360168}],"sentiment":"neutral","sentiment_score":0.18931534886360168,"channel":1,"num_words":1,"start":839.68,"end":840.105},{"sentences":[{"text":"that email after this call.","start":839.8,"end":841.0,"sentiment":"neutral","sentiment_score":0.25523669719696046},{"text":"But anything","start":841.0,"end":841.48,"sentiment":"neutral","sentiment_score":0.11222872510552406}],"sentiment":"neutral","sentiment_score":0.2143772765994072,"channel":0,"num_words":7,"start":839.8,"end":841.48},{"sentences":[{"text":"Yep.","start":841.385,"end":841.885,"sentiment":"neutral","sentiment_score":0.1032307967543602}],"sentiment":"neutral","sentiment_score":0.1032307967543602,"channel":1,"num_words":1,"start":841.385,"end":841.885},{"sentences":[{"text":"else, feel free to email in or get in contact with us or if you do wanna look at some other investment","start":841.48,"end":845.58,"sentiment":"neutral","sentiment_score":0.1560318060219288}],"sentiment":"neutral","sentiment_score":0.1560318060219288,"channel":0,"num_words":22,"start":841.48,"end":845.58},{"sentences":[{"text":"Okay.","start":846.26495,"end":846.745,"sentiment":"neutral","sentiment_score":0.1687823385000229},{"text":"Not a drama at all.","start":846.745,"end":848.045,"sentiment":"neutral","sentiment_score":0.047098928689956666}],"sentiment":"neutral","sentiment_score":0.06737949699163437,"channel":1,"num_words":6,"start":846.26495,"end":848.045},{"sentences":[{"text":"options.","start":848.1629,"end":848.3229,"sentiment":"neutral","sentiment_score":0.13086792826652527},{"text":"There you go, mate.","start":848.3229,"end":848.9629,"sentiment":"neutral","sentiment_score":0.31749899685382843},{"text":"Well, thanks for your time.","start":848.9629,"end":849.6029,"sentiment":"positive","sentiment_score":0.7066818594932556}],"sentiment":"positive","sentiment_score":0.4934273213148117,"channel":0,"num_words":10,"start":848.1629,"end":849.6029},{"sentences":[{"text":"Okay.","start":849.46497,"end":849.96497,"sentiment":"positive","sentiment_score":0.4665130972862244}],"sentiment":"positive","sentiment_score":0.4665130972862244,"channel":1,"num_words":1,"start":849.46497,"end":849.96497},{"sentences":[{"text":"I'll catch you later.","start":849.6029,"end":850.4029,"sentiment":"positive","sentiment_score":0.5014679580926895}],"sentiment":"positive","sentiment_score":0.5014679580926895,"channel":0,"num_words":4,"start":849.6029,"end":850.4029},{"sentences":[{"text":"Thank","start":850.345,"end":850.58496,"sentiment":"positive","sentiment_score":0.6046190857887268}],"sentiment":"positive","sentiment_score":0.6046190857887268,"channel":1,"num_words":1,"start":850.345,"end":850.58496},{"sentences":[{"text":"Bye.","start":850.4029,"end":850.9029,"sentiment":"positive","sentiment_score":0.5210848450660706}],"sentiment":"positive","sentiment_score":0.5210848450660706,"channel":0,"num_words":1,"start":850.4029,"end":850.9029},{"sentences":[{"text":"you.","start":850.58496,"end":851.065,"sentiment":"positive","sentiment_score":0.4378477334976196},{"text":"See you.","start":851.065,"end":851.805,"sentiment":"neutral","sentiment_score":0.179647296667099}],"sentiment":"neutral","sentiment_score":0.2657141089439392,"channel":1,"num_words":3,"start":850.58496,"end":851.805}]},"summary":{"result":"success","short":"Daniel discusses his rental account with a representative from ICU Financial, who suggests options for buying a property and emphasizes the importance of income and retirement goals. The agent suggests mortgage broker options and emphasizes the importance of considering income and retirement goals. Daniel is hesitant to buy a property due to inflation and inflation-related concerns, but the agent suggests options for buying a new loan and emphasizes the importance of maintaining a positive credit score for future financial goals. The call ends with the representative offering further options for investment and thanking Daniel for considering refinancing."},"intents":{"segments":[{"text":"Good afternoon, Daniel. Good afternoon. It's Paul calling from ICU Financial. How are you today? Good call.","start_word":1,"end_word":17,"intents":[{"intent":"Schedule call","confidence_score":0.12102439}]},{"text":"When we were talking about the rental, Yep. the account, it sort of said that going a little bit backwards because we're paying mostly tax on the rent. So he didn't actually try to sell it.","start_word":47,"end_word":82,"intents":[{"intent":"Discuss account","confidence_score":0.0016054686}]},{"text":"So within regards to that one, because you have paid off the mortgage, you would be paying obviously, tax on the rent because, you know, offsetting any sort of debt. So what you'd be talking Yeah. about is, like, selling and then purchasing another property basically to negatively gear again. Yeah.","start_word":188,"end_word":238,"intents":[{"intent":"Discuss debt","confidence_score":0.02328506}]},{"text":"Would that be would give us a that'd be the best audio. So in term obviously, with the current market and the way interest rates are going, it's sort of probably be worth chatting to a mortgage broker and what they sort of see the market's doing with that one in terms of, like, a, you know, growth perspective in getting return on capital and in regards to paying down the debt. You're right.","start_word":239,"end_word":312,"intents":[{"intent":"Discuss market situation","confidence_score":0.01041804},{"intent":"Discuss potential return on capital","confidence_score":0.00078286236}]},{"text":"In terms of, like, having good debt through another property and potentially upgrading your investment property or even in the sense that you could look at potentially just using the equity in your your current home or the investment property to purchase another property as well with Yep.","start_word":314,"end_word":361,"intents":[{"intent":"Discussing personal finance situation","confidence_score":0.000051294395}]},{"text":"Look with, you know, the fuel and the cost of living will probably go up. And then Yeah. maybe the price of property might go down too. Like, you don't know. Yeah.","start_word":570,"end_word":601,"intents":[{"intent":"Expressing uncertainty about potential future changes","confidence_score":0.0000062125678}]},{"text":"the only thing you'd be getting as a return is how much that property or, like, money offsets your primary residence.","start_word":669,"end_word":689,"intents":[{"intent":"Inform about property investment","confidence_score":0.0005183214}]},{"text":"if you're on a or a variable at the moment, but that's the sort of money that you'd be somewhat invested is in reducing that debt and lowering Yes.","start_word":695,"end_word":723,"intents":[{"intent":"Explain cost reduction","confidence_score":0.009450638}]},{"text":"In relation to that as well, you probably might, depending on where you're sort of located, struggle to find a buyer for what you want given that, you know, the interest rate and inflation is going up, cost Well, of living that's is going alright. Yeah. That would be the next. up. And, yeah, at least with attending there, although you are paying tax, you like, you're making money at the end of the day.","start_word":823,"end_word":897,"intents":[{"intent":"Explain interest rate and inflation","confidence_score":0.020489946}]},{"text":"Plus if you hold that long term, the benefit of that is, obviously, you know, you've held it, you know, since you were 17. It's gone from 68 to $4.50.","start_word":899,"end_word":928,"intents":[{"intent":"Suggest long-term benefits","confidence_score":0.0017266772}]},{"text":"a property investment. And then, yeah, there is the option if you can sort of service a future loan just having another investment property in your name to if your main concern was, you know, the amount of income you're bringing in versus the taxes that you're offsetting. Yep. Yep.","start_word":981,"end_word":1030,"intents":[{"intent":"Plan property investment","confidence_score":0.0004773031}]},{"text":"Obviously, in regards to if your main concern is, you know, offsetting that and having something negatively geared, the only sort of way to do that potentially is just to have another investment of sort of a high capital investment property. Yeah.","start_word":1581,"end_word":1622,"intents":[{"intent":"Discuss potential solutions","confidence_score":0.00022665586}]},{"text":"And if you did wanna just sort of sell it, not worry about it, and not be invested in in property for a while, you can have a discussion with us about potential, like just investment IDPS accounts or, you know, setting up a few things for the children for their future, like some investment Yes.","start_word":1625,"end_word":1680,"intents":[{"intent":"Discuss investment options","confidence_score":0.1482114}]},{"text":"Because, obviously, in regards to the the market and the actual property space, they'd be able to give you a better indication of what you might be able to sell for with everything going on and everything as well. Yeah.","start_word":1791,"end_word":1830,"intents":[{"intent":"Discuss market and interest rates","confidence_score":0.113281764},{"intent":"Discuss market trends","confidence_score":0.0006009074}]},{"text":"And then, also, they could potentially look at, like, a a refinance and things like that.","start_word":1836,"end_word":1851,"intents":[{"intent":"Discuss refinance","confidence_score":0.0121742515},{"intent":"Discuss refinance options","confidence_score":0.12947227}]},{"text":"Another option, obviously, with your your self employed business and things like that is just upping, you know, your expansion expenditure to where you're not earning as much as a self employed person, and you're getting a bit of more growth out of your your business because you Yep.","start_word":1983,"end_word":2031,"intents":[{"intent":"Maximize business growth","confidence_score":0.021692505}]},{"text":"And then you can have a chat with your your partner and potentially how you wanna move forward with that and what you're comfortable with because it's not all at the end of the day, it's not all about, you know, saving saving on tax. It's probably you gotta think long term as well. Yeah.","start_word":2375,"end_word":2429,"intents":[{"intent":"Discuss long-term goals","confidence_score":0.003068259}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Daniel. Good afternoon. It's Paul calling from ICU Financial. How are you today?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.23011183738708496},{"text":"Good call.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.37906819581985474},{"text":"Hey, buddy. Yeah.","start_word":18,"end_word":20,"sentiment":"neutral","sentiment_score":0.26621299982070923},{"text":"Not too bad at all. Thanks for asking.","start_word":21,"end_word":28,"sentiment":"positive","sentiment_score":0.4675207734107971},{"text":"I just scheduled in for a bit of a catch up. Yeah. Yeah. It was just a question. When we were talking about the rental, Yep. the account, it sort of said that going a little bit backwards because we're paying mostly tax on the rent. So he didn't actually try to sell it. He said, I'm not telling you to sell it, but he said, yeah, he sort of thought it'd be better off selling it, putting it on the mortgage, and then sort of maybe rebullying and making that a bit more of a positive debt. If Yep. you sort of get me Yeah. I know what you mean. Just before I discuss your your personal details, I don't know if I could just pass you Yep. through security there with that name, date of Yep. birth, and current address. Yep. Daniel Patrick Mullins. 769981 And 83 Moslems Lane, Manildra.","start_word":29,"end_word":180,"sentiment":"neutral","sentiment_score":-0.07082206010818481},{"text":"Perfect. Thank you for that one.","start_word":181,"end_word":186,"sentiment":"positive","sentiment_score":0.6185175776481628},{"text":"Yeah. So within regards to that one, because you have paid off the mortgage, you would be paying obviously, tax on the rent because, you know, offsetting any sort of debt. So what you'd be talking Yeah.","start_word":187,"end_word":223,"sentiment":"neutral","sentiment_score":-0.1252703219652176},{"text":"about is, like, selling and then purchasing another property basically to negatively gear again.","start_word":224,"end_word":237,"sentiment":"negative","sentiment_score":-0.3735205829143524},{"text":"Yeah. Would that be would give us a that'd be the best audio. So in term obviously, with the current market and the way interest rates are going, it's sort of probably be worth chatting to a mortgage broker and what they sort of see the market's doing with that one in terms of, like, a, you know, growth perspective in getting return on capital and in regards to paying down the debt. You're right. In terms of, like, having good debt through another property and potentially upgrading your investment property or even in the sense that you could look at potentially just using the equity in your your current home or the investment property to purchase another property as well with Yep. that one. So Yeah. that's the Okay. old sort of questions in regards to that because, obviously, when selling and buying, you've got to worry about the capital gains that you'd be paying on the property plus Well, I shouldn't. Should I because of I sort of I've owned that since I was seven. yeah. And then what would you pay for that originally? 68, I think. Yes. So with that, even owning it for over the the twelve year twelve month mark, you get, like, a CDT discount, but then it's proportionated as well for how long it was a primary residence versus Oh, well what was an investment property. well, I'm well, I'm forty forty five this year, and we only moved out of it last Okay. year. Yeah. So, yeah, there there might not be a whole lot of CPT payable on that one. But, again, that's sort of more of a mortgage broker's realm in terms Yep. of, like, what you could sell it for, what the market's looking like, where you'd wanna buy. Well, And I probably with wouldn't the buy it straight away. Like, it's not I'm not like, it's not we just yeah.","start_word":238,"end_word":560,"sentiment":"neutral","sentiment_score":-0.023183033775665073},{"text":"See what this all these bloody situations doing.","start_word":561,"end_word":568,"sentiment":"negative","sentiment_score":-0.44184359908103943},{"text":"yep. Look with, you know, the fuel and the cost of living will probably go up. And then Yeah. maybe the price of property might go down too. Like, you don't know. Yeah. And then, like, with that, those are sort of, like, questions obviously in regards to what a mortgage broker might think in terms of, like, the what the markets might do. The, Yep. obviously, short term things with that, if you were to sell it, you're right in the sense that you wouldn't be paying any sort of tax on the the rental income. But then Yep. the only thing you'd be getting as a return is how much that property or, like, money offsets your primary residence. I'm not too sure Yeah. if you're on a or a variable at the moment, but that's the sort of money that you'd be somewhat invested is in reducing that debt and lowering Yes. that effective interest repayment that you're paying on the primary residence as opposed to, you know, generating that passive income through that property and then whatever capital value you get out of that property as well if it was to still increase moving forward. Yeah. Okay. Win win. Oh, a win loss over otherwise, Yeah. isn't it? It's yeah. It is sort of a double edged sword either way you go. Like, obviously, the benefit is is you're not paying as much on your primary residence. You can probably ease the the cost of living at the moment. Yep. In relation to that as well, you probably might, depending on where you're sort of located, struggle to find a buyer for what you want given that, you know, the interest rate and inflation is going up, cost Well, of living that's is going alright. Yeah. That would be the next. up.","start_word":569,"end_word":874,"sentiment":"neutral","sentiment_score":0.034813114533237384},{"text":"And, yeah, at least with attending there, although you are paying tax, you like, you're making money at the end of the day.","start_word":875,"end_word":897,"sentiment":"positive","sentiment_score":0.3476310670375824},{"text":"Yep. Plus if you hold that long term, the benefit of that is, obviously, you know, you've held it, you know, since you were 17. It's gone from 68 to $4.50. So even if it did take a decrease after, you know, the events that happen with inflation rising, there Yes. is a chance, you know, if you do hold it for the next sort of ten or so years, that it's still gonna be up from where it is now as Yep. a property investment. And then, yeah, there is the option if you can sort of service a future loan just having another investment property in your name to if your main concern was, you know, the amount of income you're bringing in versus the taxes that you're offsetting. Yep. Yep. That's So it. there's, yeah, there's a few different options there for you in terms of, like, the way you can look at it and then what you sort of value more. And then we can even refer you on to a mortgage broker and sort of get an opinion based on the markets and what they think or maybe what you can get for it and what maybe is out there in terms of if you did wanna look at buying again. Yeah. I don't think we'd I don't reckon we'd leave it, like, twelve months or anything. Yep. But, yeah, there's a couple of options I've thought of, but yes. And from, like, obviously, you know, the few different things there, if you like, is there one that sort of jumps out to you more? Is there one that sort of you feel Well like?","start_word":898,"end_word":1177,"sentiment":"neutral","sentiment_score":0.1605796770325729},{"text":"well, I was talking to a mate, and he's got just a problem at worst with him. And he's actually sold all these houses and gone into sort of industrial shed.","start_word":1178,"end_word":1208,"sentiment":"negative","sentiment_score":-0.3720511496067047},{"text":"Yep. You know? And there's no upkeep, but he gets good return as a rental. And yeah.","start_word":1209,"end_word":1225,"sentiment":"neutral","sentiment_score":-0.0811261534690857},{"text":"Like, what's the worst I can do? Put a dent in the sheet.","start_word":1226,"end_word":1238,"sentiment":"negative","sentiment_score":-0.615811288356781},{"text":"And I was sort of Yeah.","start_word":1239,"end_word":1244,"sentiment":"neutral","sentiment_score":-0.30238816142082214},{"text":"thinking down that alley, like, get rid of this, take off whatever would it takes off the mortgage and maybe chase something down that avenue.","start_word":1245,"end_word":1269,"sentiment":"negative","sentiment_score":-0.4425988495349884},{"text":"I'm not sure. Like, the commercial space? Yeah. Yeah. Where where they lock because I I can build a build a shed and and I can do this concreting. I could yeah. If I bought a block and done went down that alley. I'm It'd be up in a home. I'm not not a 100% sure. Yeah. Because even then, like, when you have a discussion with a mortgage broker, can they can sort of even let you know your serviceability of a new loan, what that might look like based on your current But situation yep. Okay. then versus, like, selling the property as well and then what that Yep. sort of looks like. Because, obviously, in terms of, like, your income versus what you're saving, as a household, you've got quite a number of savings sitting there as well. So you're obviously, based on your current situation, able to to pay your current mortgage repayments. So even then, it becomes a matter of fact of, like, if you did sell that property, put it on the the primary residence and you aren't sort of doing anything like that, you're gonna have a bit more disposable income. And will you be putting that towards the mortgage more future investments, or will you just sort of, you know, up your spending a little bit as well, which tends to happen when you got a bit more free cash Yep. flow? Yes. Yeah. So those are all things to to consider. We can obviously make that referral. I'll email through a referral to a local mortgage broker we've got here just with your general Yep. situation, what you might be looking to do, and you can have Yep. a discussion with them Okay. to see how, yeah, you might wanna work things if you feel like it might be in your favor.","start_word":1270,"end_word":1580,"sentiment":"neutral","sentiment_score":0.08149699176814396},{"text":"Obviously, in regards to if your main concern is, you know, offsetting that and having something negatively geared, the only sort of way to do that potentially is just to have another investment of sort of a high capital investment property.","start_word":1581,"end_word":1621,"sentiment":"negative","sentiment_score":-0.4650226831436157},{"text":"Yeah. Yeah. And if you did wanna just sort of sell it, not worry about it, and not be invested in in property for a while, you can have a discussion with us about potential, like just investment IDPS accounts or, you know, setting up a few things for the children for their future, like some investment Yes. bonds, things like that, or something for, like, an earlier sort of retirement and having that invested in, like, a tax effective manner to be drawn down on in, like, 10 when you're sitting hitting around that 55 mark Yeah. and maybe The you last wanna do, one. you know, a trip to to Italy before you you're too old and don't wanna sort of walk the the steps you do over there. Yes.","start_word":1622,"end_word":1753,"sentiment":"neutral","sentiment_score":0.2284616187892177},{"text":"That's very true.","start_word":1754,"end_word":1756,"sentiment":"positive","sentiment_score":0.4086310267448426},{"text":"But I'll pass that along. And then Yeah. if after Okay. you have a conversation, then wanna have another chat and around the potential Yep. options you've got there once you get that information. Because, obviously, in regards to the the market and the actual property space, they'd be able to give you a better indication of what you might be able to sell for with everything going on and everything as well. Yeah. Okay. I know the drama. And then, also, they could potentially look at, like, a a refinance and things like that. But, obviously, with the current market and the interest rate, everything going up might Well, not be the the best time, in but the best that might interest be a yeah. Like, I'd yeah.","start_word":1757,"end_word":1885,"sentiment":"neutral","sentiment_score":0.0939735546708107},{"text":"I'd probably I think, see what this all happened what all happened to you and and the settled panel got us crazy or I'd probably be mad to sort of get rid of it.","start_word":1886,"end_word":1919,"sentiment":"negative","sentiment_score":-0.381669819355011},{"text":"Wouldn't Yeah. Well, it just it's just one of those things like you've you've paid it off. It's you're still getting capital growth out of it. Obviously, if it takes a little bit of a dip with what's currently happening, it doesn't matter if you're still planning Yep. on holding it long term and you are still getting an income out of that.","start_word":1920,"end_word":1982,"sentiment":"neutral","sentiment_score":0.030688862833711836},{"text":"Another option, obviously, with your your self employed business and things like that is just upping, you know, your expansion expenditure to where you're not earning as much as a self employed person, and you're getting a bit of more growth out of your your business because you Yep.","start_word":1983,"end_word":2031,"sentiment":"positive","sentiment_score":0.3819673955440521},{"text":"don't have any debt currently in that.","start_word":2032,"end_word":2038,"sentiment":"neutral","sentiment_score":0.17891475558280945},{"text":"So that potentially could be something you could have a discussion with your accountant on how much you wanna potentially grow that. And if, you know, upping the expenditure a little bit offsets that income that you are earning from the investment property and you get a little bit of expansion out of your business, whether that be building a shed or things like that for the growth of your company.","start_word":2039,"end_word":2109,"sentiment":"positive","sentiment_score":0.3958557248115539},{"text":"Yeah. Fair enough. Yeah. For all my sales of it. Yeah. So there's definitely like, there's no no one way about it. It sort of No. depends what you do wanna achieve. And if you sort of just comfortable, you know, selling and having on the mortgage, that's one thing versus, like, other ways to sort of potentially keep it and maybe just keep leveraging a little bit more Yeah. given the current times there as well. But I'll make that referral through. You can Okay. have a discussion with them about what you potentially wanna do. And Yep. then if you, you know, make up your mind or if you have a discussion with your account and you don't wanna sort of build on your your business much more and lowering that income or drawing a bit less because, obviously, being self employed, whatever you earn is, you know, that what you take home income is. Whereas if you're spending it, it's an expense at that point to Yep. growing your business. Yeah. Yep. Yeah. I'd be yeah. Probably would, but no.","start_word":2110,"end_word":2292,"sentiment":"neutral","sentiment_score":-0.0238674096763134},{"text":"That'll be fine. Not a problem.","start_word":2293,"end_word":2298,"sentiment":"positive","sentiment_score":0.4452340006828308},{"text":"Well, is there any other questions you've got in regards to that at all? No.","start_word":2299,"end_word":2313,"sentiment":"neutral","sentiment_score":0.12560592591762543},{"text":"Thanks for all this.","start_word":2314,"end_word":2317,"sentiment":"positive","sentiment_score":0.43053579330444336},{"text":"Sort of summed it up and give me a bit yeah. I sort of thought that anyway, but I just want to yeah. Haven't haven't gone to you and see what your thoughts were. Yeah. Obviously, And like, it probably just broadened what you had to think about a little bit more. Yeah. But Oh, exactly. yeah. And then you can have a chat with your your partner and potentially how you wanna move forward with that and what you're comfortable with because it's not all at the end of the day, it's not all about, you know, saving saving on tax. It's probably you gotta think long term as well. Yeah. Well, that was the whole reason I wanted to keep the house. So if we're in a situation, we could've left it to the kids or that was our super or yeah, that was my end plan, really. Yeah. Because with that, you're obviously diversified across a couple of properties. It's all in the primary residence. You know, if anything happens, you've like, that's just where you live at the end of the day. It's not like you can sell that one. Worst case scenario, and you can definitely still afford to keep it even if you are paying a little bit more tax at the the moment. Yeah. Yeah. Hi, And Thomas. like you said, yeah, like you said, that your kids might want a bit of extra room once they get a bit older as well Well, that's down good. the track. That was the the o d e. But, yeah, definitely plenty of other ways. The mortgage broker might give you a little bit more information potentially Yep. about and just leverage that and then taking on a bit more more debt if that's the way you sort of wanna work it. And then, yeah, you can have a discussion with your account, and they'll come back to us if you do wanna just look at the investment side of things and getting rid of it at the end of the day. Okay. Hi, Thomas.","start_word":2318,"end_word":2667,"sentiment":"neutral","sentiment_score":0.14139811764870372},{"text":"Not a problem at all, Daniel. Well, thanks Alright. for your Thanks, time. We'll send Cole.","start_word":2668,"end_word":2683,"sentiment":"positive","sentiment_score":0.508809506893158},{"text":"that email after this call. But anything Yep. else, feel free to email in or get in contact with us or if you do wanna look at some other investment Okay. Not a drama at all. options.","start_word":2684,"end_word":2720,"sentiment":"neutral","sentiment_score":0.14693094789981842},{"text":"There you go, mate. Well, thanks for your time. Okay. I'll catch you later. Thank Bye. you. See you.","start_word":2721,"end_word":2739,"sentiment":"positive","sentiment_score":0.4980315566062927}],"average":{"sentiment":"neutral","sentiment_score":0.06319906488478072}}}}