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Fantastic, mate. Thank you so much for calling back. I wasn't able to ring through or get a text message through to you, so I wasn't sure if there was an issue with the phone line. Oh, that's fantastic. Wait. I was actually no idea. I was actually writing you an email just to say, hey. Look. I've tried to call, tried to text, but, well, thanks so much for calling back. That's alright. Mate, we've got you here, so that's perfect. I just wanted to double check with you. Did you go through the quick security check with Caden when you got through? Amazing. Thank you so much for that, mate. So I've got you in for the discussion about the super performance, the insurance premiums, all that kind of thing. How long have I got you for today? Gotcha. Mate, it's foggy, cold, rainy, miserable over the Gold Coast, so a bit bit jealous, but perfect. Perfect. Perfect. Well, I didn't wanna actually waste too much of your time today because I've already been going through your file quite a lot with the team to try and work out some options for you. If you recall, you you you went through a whole pre assessment with Cadence where you went through all the health information, occupation information. And, basically, what we've been doing for the insurances is calling every single insurer and, basically, trying to argue and find out who can offer you sort of a better deal than what you've currently got because your premiums are over $10 now. Yeah. Yeah. And pretty much you've been maxing out your contributions. Yeah. All the previous years looks fantastic in the last twelve months. It's kind of gone sideways. I think I'm looking at it there. $257,000 up to $2.89. Most of that contribution, a bit load of premiums coming out, probably about $18 worth of growth, which is not as high as it was previously. So but pretty much what I wanted to do on this call is I I haven't come to you with any excuses or anything. Basically, just try to come up with solutions. So I'm I'm not gonna send you anything in terms of, hey. Sorry. Go for it. Yes. Yes. Yeah. Yep. Did you get a last tax return? I know we've just hit end of financial year now. But did you get a division two nine three notice last year for like, did you earn over $2.50 last year? Yes. Yep. Yeah. And use up the rest of the cap. Yeah. So I can I can work that out with you? You fall into the same category. Oh, no. But you've hit the same category as my father-in-law. He's out in the mines too on the $2.50 mark. And what it basically is is you can use up the other caps. That's fine. But the moment you're so yeah. Sorry. Your income and super contributions are above $2.50, you know how you're on, like, that 47% tax rate, like, at the highest rate? So the moment you go over $2.50 total, they whack you with an extra 15% tax rate instead of the 15%. So 30 on a portion of it. So that's what you would be getting on a yearly basis where they say, hey. Either you pay this personally from your tax return or release the money from super to pay this extra 15 percent. Yeah. Yeah. And fire and rescue's got way more concessions. Yeah. Yep. Especially, it's like a lot of the public sector stuff as well. Yeah. Do you guys do you what method do you do for the travel? Do you do log book or the other one? Okay. Yeah. Okay. And who are you using for the accounting side effect? Yep. Yep. Just hitting you from every angle. You'd probably be paying $80 taxes to probably fund the bloody village at this point. Well, if it helps, I do have a really good remote accountant, Goldshore. If you want a second opinion and see if he can come up with a few better things for you for this tax return I can get you onto it. Yeah. Okay. Far out. Okay. So yeah. So I guess the the plan is get the cheat sheet, get a second opinion, and see if you can get a much better outcome for this tax return at the very least. Okay. Yeah. Pain in the ass. So mate, I was looking at some fucking budgets the other day for some of the councils, and and they're building roads and community centers out and walk off nowhere for about $20,000,000,000. And the rate payers can't pay it off for two hundred years in in the middle of nowhere where there's about 4,000 people living. And and that's about it. Get a bit of curbside cleanup and the and the business done, and then they increase the rates on you and all the rest of it. Yeah. 100 percent. Are are you thinking of doing when when it comes to the property side of things, if you look at all the changes to the legislation that's just come through? Look. It's not yeah. Yep. Yeah. 1.1. Okay. Mate, you'd almost wanna be seeing more than a thousand bucks for that. Yeah. You know, the the high income earners are the guys who get the most out of anybody. And you're not exactly the the 1%, but the moment you start pressing $200, you get put into this category to cost the most tax, the least deduction, compared to the guys that have a $50,000,000,000 business or the guys who are on. So are you thinking of doing a bit of mate, that was me, probably, ten years ago going through the budget to go on. This health care welfare system is just blowing out of proportion. Add the NDIS on top now, and it just completely drained the country. Yeah. Big roar. Yeah. Some of the businesses that, like, people have right in from them. And I saw some people building NDIS properties where they'd build a five, six bedroom place, like you were saying, wheelchair access, and they have a live in nurse plus five people, and they're getting on yeah. Well, government pay rent on top of the rent that they charge each tenant. Yeah. Well, I saw one in total for the whole property with sixty thousand dollars. Mate, I tried to do that five, six years ago, and the only developer that was approved in Queensland was a bit on the Dodge side, and we we just couldn't get on to it at the time. Yeah. Had to do it almost, like, privately and try and get all the approvals, but there was just no way of getting in if you didn't know the guy. It was a small club, and I wasn't in it. And we tried because we were gonna do it through Super. Do a NDIS property through Super, get you $60. Yeah. You've got to look at commercial these days for the SMS there. Yep. Gotcha. Okay. So you know the new changes I did to negative gearing and capital gains tax? So one of the things that we've been talking about with accountants and advisers at the moment is to think of your investment side all pulled off to the side of one category. So all your investments, your properties, all that kind of thing is off to one bubble. Now the way it's gonna work is if you get, like, a new property, new build, or commercial that's still able to get the negatives, it can accumulate those year after year after year, and then it can be used up when your investments get positive. Correct. So what the guys are are doing at the moment is they're gonna accumulate maybe five to seven years of of negatives, and then whatever they've gotten from business growth and capital growth on investments, they're gonna sell them and offset them all in the one year. So what I was gonna say is, like, if you're gonna get another one, you're gonna accumulate a few of those. Yeah. Yeah. Yeah. Yeah. Yes. Oh, yeah. Jesus. It would have forced you to sell everything. K. So if you when were you looking at hopping out of the six bedroom place and possibly, you know, renting it out? What year? Yep. Yeah. Yeah. Yep. Yeah. One day. Yeah. Pretty much. So, look, if you want, at some point, I've got a dude who's been doing buyer's agent stuff where, you know, with the SMSF cutoff date, he's basically a guy that goes around the country finding properties for people. So if you're looking to get like, rent out Aberdeen, get another one, possibly negatively get a new or commercial one, Buyers agents are probably the way to go at the moment. They do they they do charge us a solid $10 out of the purchase price to do it at least, but they're the guys that scan the whole country looking for deals. So ah, good. Oh, fantastic. Cool. Okay. So use them. I'll I'll send you an email today for the accounting side of things just to see if we can help out there. Use those guys. Let us know when you do. Is it just on the mortgage, or do you actually have a loan? Oh, shit. How much is that for? Yeah. Okay. Yeah. But it's that bloody consumer debt that's not deductible, and then you're selling off a profitable investment. It's just gonna hit you double end. Right. It's almost like you need a company at this point, but anyway. Entity is getting squashed anyway. Yeah. And they're trying to squash all the the trust at the moment, which is a bit of a pain in the ass for the elderly, but companies are still alright. How how did you go with the Pokemon card collection? Because you you had a buyer lined up for that last year. Yeah. And then you invested it. Yeah. Yep. Gotcha. Yep. Insane. I love it. Yep. Not bad. Not bad at all. Wow. Because the scalpers are having a field day these days. Yeah. I mean, it was yeah. Yep. Big time. Yep. Alright. Mate, right place, right time. Yeah. They're gonna clean you up for all of it pretty much, half of all of it. Can I just put the note down for the file, mate? With the the crypto and the shares, I've gotta put down an estimated value on it. It. I'll have to go wake up the the times. Platform. Yep. Yeah. Yep. Perfect. I'm gonna put something in there. Yep. Yeah. Gotcha. Oh, shit. Okay. Good call. Oh, there you go. Not bad at all. Oh, that's awesome. That must be so much fun between that and the the cards you did. Yeah. Absolutely. So that'll continue all year pretty much. So and then you said five years left on that after a round event? Okay. 20 30. Alright. So you're pretty much trying to set yourself up between now and then with all the investments, the income, all that sort of stuff so that you can basically take it easy after that point. Go a bit of maybe part time with the fireies and have all the the cash flow coming in. Alrighty. Well, Gotcha. Right. That's what my grandparents are on. Built all the flats out in the Gold Coast there and workshops and that kind of thing and everything they they get. They haven't gotten a cent from the government since they moved over from Croatia in the sixties, and they literally just they look after the three generations of family off their property. Everything's through trust and company, and all they've talked the last couple of years is tax tax tax. And they haven't gotten a sense from the government the entire time they lived it. But it is still it's still a fucking good thing to aim for. Gotta get it. Right. Hopefully, are they listening so far? Or are they too young to for to click just yet? Oh, okay. Fantastic. Mate, that's amazing. Hopefully, they they you know, it's one of the things shirt sleeves shirt sleeves in great generations, but, hopefully, they they listen and you get to skip a generation or help them out. And the grandkids get looked after one day, and they do well by themselves, and then the families establish and they have to work. Yeah. Yeah. We're gonna make sure that at some point like, set yourself up for the next four or five years. Right? But at some point, gonna have to maybe look at some entities or something because, look, they're gonna they're gonna come to the inheritances at some point, especially for the boomer generation. So keep the ear out. Yeah. Well, look, it's the same thing. Like, we always talk about it because we're talking to brokers, accountants. We're advisers, fund managers. As that stuff comes in, everybody goes into some rooms and starts talking about it. And if I ever catch wind of what's happening and what the options are, the first thing I'm doing is calling all of you guys up to let you know what the options are and what's gonna happen. Like, that SMSF thing just kind of came out of nowhere with the green deal and a really short cutoff date that was not even worth trying to squeeze in because there's too much risk. But like I said, with the capital gains tax, the negative gearing, there's a few options down the line for what that does. Fantastic. And, again, commercial and and new builds, fantastic. Accumulating losses for the other investments, fantastic. But if they go for the inheritances, it's gonna be the biggest industry conversation in history, and everyone's gonna be talking about it. So if I find out, I'll let you know straight away. Yeah. So yeah. Look. I've got yeah. And like I said, you're not even in the forties and fifties yet where it's supposed to get up. Like, I've seen people who had $2,000 policy at 50 and age 60 at 12 down. Like, that happens in the later years. The way that yours is increasing your thirties, I've never seen anything like it. And the the problem you've got. What what pissed me off about this is one part of Nios are the only two insurers that would offer the cover because of the combination of the firing with the occupations. So all I can do for them is I've got pretty much. So the only thing we can do, I've got an alteration going for I I talked to you previously about the benefit period from a sixty five, maybe five year, two year, and using the CBD cover for the long term stuff. That'll probably trim off a few grand. Yeah. Yep. It's something that they just most of them aren't touching, and I did find one where it was like, oh, if the fire and rescue was less than 10% of your overall, then they would exclude it. It'd be fine. But anything above 10%, no no no dice. So I had a guy there that was a a paper mill and prison, and his prison occupation thankfully came out to 8%, and I saved him $3. And I was like, thanks for that. But, yeah, there's not many options out there. Look. I'm sorry. I tried calling around everybody and arguing the points of fucking months. And all I've been able to sort of come up with is we just trim it down a bit to chop off a few grand. And the moment there's a better option out there, whether it's me or someone else, again, I'll be jumping at it. But until that point, we're gonna have to work with these guys for a little while. So yeah. Well, I've got it coming through because I've done a few quotes where if the income protection that's doing it, like, the license, it's it's less than $2 for the million 1.3 mil. Income protection is what's hitting you to 7,000. Yeah. So you've got one of the old 75% policy. Anything new with a different insurer is 70% maximum, so it's not that much different. But thirty day age 65 is just well, I found one that was a few grand less, but not until the fire is less than 10% of your occupation. And then they said, oh, look. We'll do it if it's above 10%, but you've got to wait thirteen weeks to claim, which is three months. So the options there are pretty fucking limited because you're on thirty days at the moment. You're sick for a month. It kicks in. There's a living brain coming out. These guys were like, no. You have to wait three months for it, which you've got the savings there, maybe. But what I'll do is I'm gonna send you three quotes through. Yeah. So what I'm thinking, the only options we've got is I've got a quote here for improving the income through one pass down to five year benefit or two year benefit. That'll trim a few grand off. I'll send those through here. The one with Neos, we would basically destroy your income protection with one path and redo it with Neos and have two insurers, but they would do thirteen week wait, two year benefit maximum. And let me just have a little bit of premiums here. Basically, I'll give you the options. You tell me what you wanna go ahead with, but I'll grab up this quote now. So thirteen week wait two year benefit trimmed it down from $7 to $3. But special risk occupation class here. That's 70%. The definition's shit. So Yeah. Okay. So we're right. I'm gonna base it on yeah. Yep. Yeah. Right. So $60, we earn. No. But how how much is, like, a week or a fortnight or a month would you percentage it for working hours? Because the income is $60. That's one thing. Oh, shit. Okay. Oh, no. If you can hear me, it's just dropping out. Yeah. I gotcha. You back? Cool. It's reception seem to cut out for a second. I was just asking about the hours with Matt Arthur. What that's alright. I've got your back. So break it down for me. What a typical week, fortnight, or month work hours wise between the two, and if I can prove it's less than 10%, I might be able to go with these guys. Five and four, four and five. Total four nine. Okay. K. 10 to 15 average of fortnight. The income's high because that's a $100 an hour. That's fair enough. So five and four, four and five, twelve hour shifts. And that's before overtime or after? Include? Every time. Yes. Per month. When you do overtime, how many hours do you do for that that shift compared to twelve? Yeah. Okay. And are there any days where it's above twelve? Yeah. Is there any where it's above twelve? Any shifts that'll be below twelve, what what would they be like? No. Okay. So I'll just do twelve hours on the five and four, four and five, and compare that to 10 to 15 a fortnight average. Yep. K. So if you go sixty hours a week average for that, let's say, five five to seven on there. Okay. So what I'll do is I'm gonna do a bit of a split. I'm gonna have a look at kicking out the waiting period for your one part policy to 60 or 90 savings and premiums more so than trimming your benefit down from a sixty five to five years or two years. So I would kick that out to six year nine, that's gonna be What I'll do from there is I'm gonna call and see if I can get the fire fire excluded. I'll base it off just a a couple of $100 for Mount Arthur. And based on that occasion, if that gives us replacement of all your insurances, I'll let you know. If it's just income protection, I'll send you that quote as well just so you've got it. Cool. And for the super investment no. That's alright. It's good that we've had this conversation if that clears it up for me. Because, like I said, it's been a pain in the ass for when everyone is arguing the point, but now I've got a bit more ammunition. For the super, I've already got a portfolio picked out some lower fee investments that'll pick up that and bring the super performance back up. But let me just see if I can get these premiums down, and I'll get you on to that account and see if they can help. Yep. Okay. So what I want you to do okay. Go on to your myGov and see if it's got any more of that carry forward left over for the last five years, and just shoot me back, like, a a message or an email. If not oh, no. Bugger. Okay. So have you tried calling the ATL and just, like, maybe I mean, the login is one thing, but you could always ask them, hey. Look. I can't get into the myGov. Can you tell me what the hell my carry forward is and see if they can tell you? So I'll send you an email with how to get Yep. Gotcha, Kane. That's alright. Last thing I wanted to say, so just quick recap, is I'll do the the account referral. We'll look at the property stuff down the line when you get a chance to look at that. Sort the insurances, sort the super, and then I've just gotta check what to do with your contributions after after you get the checks. Cool. Anything else I could do for you? Well yep. And it's logged in. Yeah. And that's what it is. It's like market slowed down on a couple of the investments. Premiums came out, and it just slowed it right down. One one thing I wanted to run by you, the mortgage, are you using an offset account? Okay. So what I was thinking is your bank. How much you got owing on it? Okay. Okay. I'll put 500. One of the things that I do with the mining guys a lot with the big income is I get them to pull the cash into the offset account for the year and then do the one off contribution in June. And that way you can sort of double dip the interest in the tax savings. Yeah. No. That's fine. Yeah. Well, what you basically wanna do yeah. Well, let let's say you you skip forward to 2030. Right? Let's say you you're off Manhass and you're just on that $60. Well, then you've got a much bigger buffer to use the lower tax brackets for the sale of the investment and possible offsets after that. So it might be a bit of a timing down the line. Line it up when the income goes down to kind of live off it. Gotcha. Yeah. It might be a small thing to do now. Yeah. I get you. So it might be knock that off now and then leave the biggest stuff to the five year mark. K. Jeez. But we're gonna have to end up going to Cayman Islands at some point or The UAE. I don't know. I have to talk to a couple of international advisers and see if we start going to different tax jurisdictions. Maybe that's something down the line to think about. Yeah. That's probably the way things are gonna go. People are gonna start just trying to exit in their funds to other countries. You know? Yeah. Yeah. It seems to be all the doors are closing one by one. It's been a pretty sad ten years to watch every new budget comes out as another thing closed. That's exactly what I said to the team last week. They don't actually know anything economically or That's it. You know, they just write the legislation for the lobbying groups. Yeah. Yep. Yep. Well, I can't get into the politics at work, but, yeah, I can't say I disagree with you. Alright. Still got you there. Well, we'll do the best we can with the options we got while we're here, and we're gonna come to people make right. Can I if you can still hear me, I'm still getting a bit of a cutout, so I might have to leave it there if that's alright? Cool. Cool. So I've got everything noted down for what we're gonna do. I'm gonna endeavor to try and sort this out over the couple of weeks and get you booked in to run through it with you. Just keep an ear out for those two emails if that's alright. Yeah. Yep. Let me just have a look at what I got on this. Yeah. I should be able to get them to you tonight. My last one's at 05:30, and then I'll pretty much email you straight away after that. Well, it's been a pleasure, and I do appreciate you taking the time to talk it through with me again, mate. But leave it with me, and proof will be in the pudding when I show you the plan. Awesome. Have a great day, Kane. 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Oh, fantastic. Nice. Pop them through when you're ready. Yeah.\n\nAnd my thing just rang out, so it's great that you fall back. Thank you. Good afternoon, Kane. Can you hear me okay? Fantastic, mate.\n\nThank you so much for calling back. I wasn't able to ring through or get a text message through to you, so I wasn't sure if there was an issue with the phone line. Oh, that's fantastic. Wait. I was actually no idea.\n\nI was actually writing you an email just to say, hey. Look. I've tried to call, tried to text, but, well, thanks so much for calling back. That's alright. Mate, we've got you here, so that's perfect.\n\nI just wanted to double check with you. Did you go through the quick security check with Caden when you got through? Amazing. Thank you so much for that, mate. So I've got you in for the discussion about the super performance, the insurance premiums, all that kind of thing.\n\nHow long have I got you for today? Gotcha. Mate, it's foggy, cold, rainy, miserable over the Gold Coast, so a bit bit jealous, but perfect. Perfect. Perfect.\n\nWell, I didn't wanna actually waste too much of your time today because I've already been going through your file quite a lot with the team to try and work out some options for you. If you recall, you you you went through a whole pre assessment with Cadence where you went through all the health information, occupation information. And, basically, what we've been doing for the insurances is calling every single insurer and, basically, trying to argue and find out who can offer you sort of a better deal than what you've currently got because your premiums are over $10 now. Yeah. Yeah.\n\nAnd pretty much you've been maxing out your contributions. Yeah. All the previous years looks fantastic in the last twelve months. It's kind of gone sideways. I think I'm looking at it there.\n\n$257,000 up to $2.89. Most of that contribution, a bit load of premiums coming out, probably about $18 worth of growth, which is not as high as it was previously. So but pretty much what I wanted to do on this call is I I haven't come to you with any excuses or anything. Basically, just try to come up with solutions. So I'm I'm not gonna send you anything in terms of, hey.\n\nSorry. Go for it. Yes. Yes. Yeah.\n\nYep. Did you get a last tax return? I know we've just hit end of financial year now. But did you get a division two nine three notice last year for like, did you earn over $2.50 last year? Yes.\n\nYep. Yeah. And use up the rest of the cap. Yeah. So I can I can work that out with you?\n\nYou fall into the same category. Oh, no. But you've hit the same category as my father-in-law. He's out in the mines too on the $2.50 mark. And what it basically is is you can use up the other caps.\n\nThat's fine. But the moment you're so yeah. Sorry. Your income and super contributions are above $2.50, you know how you're on, like, that 47% tax rate, like, at the highest rate? So the moment you go over $2.50 total, they whack you with an extra 15% tax rate instead of the 15%.\n\nSo 30 on a portion of it. So that's what you would be getting on a yearly basis where they say, hey. Either you pay this personally from your tax return or release the money from super to pay this extra 15 percent. Yeah. Yeah.\n\nAnd fire and rescue's got way more concessions. Yeah. Yep. Especially, it's like a lot of the public sector stuff as well. Yeah.\n\nDo you guys do you what method do you do for the travel? Do you do log book or the other one? Okay. Yeah. Okay.\n\nAnd who are you using for the accounting side effect? Yep. Yep. Just hitting you from every angle. You'd probably be paying $80 taxes to probably fund the bloody village at this point.\n\nWell, if it helps, I do have a really good remote accountant, Goldshore. If you want a second opinion and see if he can come up with a few better things for you for this tax return I can get you onto it. Yeah. Okay. Far out.\n\nOkay. So yeah. So I guess the the plan is get the cheat sheet, get a second opinion, and see if you can get a much better outcome for this tax return at the very least. Okay. Yeah.\n\nPain in the ass. So mate, I was looking at some fucking budgets the other day for some of the councils, and and they're building roads and community centers out and walk off nowhere for about $20,000,000,000. And the rate payers can't pay it off for two hundred years in in the middle of nowhere where there's about 4,000 people living. And and that's about it. Get a bit of curbside cleanup and the and the business done, and then they increase the rates on you and all the rest of it.\n\nYeah. 100 percent. Are are you thinking of doing when when it comes to the property side of things, if you look at all the changes to the legislation that's just come through? Look. It's not yeah.\n\nYep. Yeah. 1.1. Okay. Mate, you'd almost wanna be seeing more than a thousand bucks for that.\n\nYeah. You know, the the high income earners are the guys who get the most out of anybody. And you're not exactly the the 1%, but the moment you start pressing $200, you get put into this category to cost the most tax, the least deduction, compared to the guys that have a $50,000,000,000 business or the guys who are on. So are you thinking of doing a bit of mate, that was me, probably, ten years ago going through the budget to go on. This health care welfare system is just blowing out of proportion.\n\nAdd the NDIS on top now, and it just completely drained the country. Yeah. Big roar. Yeah. Some of the businesses that, like, people have right in from them.\n\nAnd I saw some people building NDIS properties where they'd build a five, six bedroom place, like you were saying, wheelchair access, and they have a live in nurse plus five people, and they're getting on yeah. Well, government pay rent on top of the rent that they charge each tenant. Yeah. Well, I saw one in total for the whole property with sixty thousand dollars. Mate, I tried to do that five, six years ago, and the only developer that was approved in Queensland was a bit on the Dodge side, and we we just couldn't get on to it at the time.\n\nYeah. Had to do it almost, like, privately and try and get all the approvals, but there was just no way of getting in if you didn't know the guy. It was a small club, and I wasn't in it. And we tried because we were gonna do it through Super. Do a NDIS property through Super, get you $60.\n\nYeah. You've got to look at commercial these days for the SMS there. Yep. Gotcha. Okay.\n\nSo you know the new changes I did to negative gearing and capital gains tax? So one of the things that we've been talking about with accountants and advisers at the moment is to think of your investment side all pulled off to the side of one category. So all your investments, your properties, all that kind of thing is off to one bubble. Now the way it's gonna work is if you get, like, a new property, new build, or commercial that's still able to get the negatives, it can accumulate those year after year after year, and then it can be used up when your investments get positive. Correct.\n\nSo what the guys are are doing at the moment is they're gonna accumulate maybe five to seven years of of negatives, and then whatever they've gotten from business growth and capital growth on investments, they're gonna sell them and offset them all in the one year. So what I was gonna say is, like, if you're gonna get another one, you're gonna accumulate a few of those. Yeah. Yeah. Yeah.\n\nYeah. Yes. Oh, yeah. Jesus. It would have forced you to sell everything.\n\nK. So if you when were you looking at hopping out of the six bedroom place and possibly, you know, renting it out? What year? Yep. Yeah.\n\nYeah. Yep. Yeah. One day. Yeah.\n\nPretty much. So, look, if you want, at some point, I've got a dude who's been doing buyer's agent stuff where, you know, with the SMSF cutoff date, he's basically a guy that goes around the country finding properties for people. So if you're looking to get like, rent out Aberdeen, get another one, possibly negatively get a new or commercial one, Buyers agents are probably the way to go at the moment. They do they they do charge us a solid $10 out of the purchase price to do it at least, but they're the guys that scan the whole country looking for deals. So ah, good.\n\nOh, fantastic. Cool. Okay. So use them. I'll I'll send you an email today for the accounting side of things just to see if we can help out there.\n\nUse those guys. Let us know when you do. Is it just on the mortgage, or do you actually have a loan? Oh, shit. How much is that for?\n\nYeah. Okay. Yeah. But it's that bloody consumer debt that's not deductible, and then you're selling off a profitable investment. It's just gonna hit you double end.\n\nRight. It's almost like you need a company at this point, but anyway. Entity is getting squashed anyway. Yeah. And they're trying to squash all the the trust at the moment, which is a bit of a pain in the ass for the elderly, but companies are still alright.\n\nHow how did you go with the Pokemon card collection? Because you you had a buyer lined up for that last year. Yeah. And then you invested it. Yeah.\n\nYep. Gotcha. Yep. Insane. I love it.\n\nYep. Not bad. Not bad at all. Wow. Because the scalpers are having a field day these days.\n\nYeah. I mean, it was yeah. Yep. Big time. Yep.\n\nAlright. Mate, right place, right time. Yeah. They're gonna clean you up for all of it pretty much, half of all of it. Can I just put the note down for the file, mate?\n\nWith the the crypto and the shares, I've gotta put down an estimated value on it. It. I'll have to go wake up the the times. Platform. Yep.\n\nYeah. Yep. Perfect. I'm gonna put something in there. Yep.\n\nYeah. Gotcha. Oh, shit. Okay. Good call.\n\nOh, there you go. Not bad at all. Oh, that's awesome. That must be so much fun between that and the the cards you did. Yeah.\n\nAbsolutely. So that'll continue all year pretty much. So and then you said five years left on that after a round event? Okay. 20 30.\n\nAlright. So you're pretty much trying to set yourself up between now and then with all the investments, the income, all that sort of stuff so that you can basically take it easy after that point. Go a bit of maybe part time with the fireies and have all the the cash flow coming in. Alrighty. Well, Gotcha.\n\nRight. That's what my grandparents are on. Built all the flats out in the Gold Coast there and workshops and that kind of thing and everything they they get. They haven't gotten a cent from the government since they moved over from Croatia in the sixties, and they literally just they look after the three generations of family off their property. Everything's through trust and company, and all they've talked the last couple of years is tax tax tax.\n\nAnd they haven't gotten a sense from the government the entire time they lived it. But it is still it's still a fucking good thing to aim for. Gotta get it. Right. Hopefully, are they listening so far?\n\nOr are they too young to for to click just yet? Oh, okay. Fantastic. Mate, that's amazing. Hopefully, they they you know, it's one of the things shirt sleeves shirt sleeves in great generations, but, hopefully, they they listen and you get to skip a generation or help them out.\n\nAnd the grandkids get looked after one day, and they do well by themselves, and then the families establish and they have to work. Yeah. Yeah. We're gonna make sure that at some point like, set yourself up for the next four or five years. Right?\n\nBut at some point, gonna have to maybe look at some entities or something because, look, they're gonna they're gonna come to the inheritances at some point, especially for the boomer generation. So keep the ear out. Yeah. Well, look, it's the same thing. Like, we always talk about it because we're talking to brokers, accountants.\n\nWe're advisers, fund managers. As that stuff comes in, everybody goes into some rooms and starts talking about it. And if I ever catch wind of what's happening and what the options are, the first thing I'm doing is calling all of you guys up to let you know what the options are and what's gonna happen. Like, that SMSF thing just kind of came out of nowhere with the green deal and a really short cutoff date that was not even worth trying to squeeze in because there's too much risk. But like I said, with the capital gains tax, the negative gearing, there's a few options down the line for what that does.\n\nFantastic. And, again, commercial and and new builds, fantastic. Accumulating losses for the other investments, fantastic. But if they go for the inheritances, it's gonna be the biggest industry conversation in history, and everyone's gonna be talking about it. So if I find out, I'll let you know straight away.\n\nYeah. So yeah. Look. I've got yeah. And like I said, you're not even in the forties and fifties yet where it's supposed to get up.\n\nLike, I've seen people who had $2,000 policy at 50 and age 60 at 12 down. Like, that happens in the later years. The way that yours is increasing your thirties, I've never seen anything like it. And the the problem you've got. What what pissed me off about this is one part of Nios are the only two insurers that would offer the cover because of the combination of the firing with the occupations.\n\nSo all I can do for them is I've got pretty much. So the only thing we can do, I've got an alteration going for I I talked to you previously about the benefit period from a sixty five, maybe five year, two year, and using the CBD cover for the long term stuff. That'll probably trim off a few grand. Yeah. Yep.\n\nIt's something that they just most of them aren't touching, and I did find one where it was like, oh, if the fire and rescue was less than 10% of your overall, then they would exclude it. It'd be fine. But anything above 10%, no no no dice. So I had a guy there that was a a paper mill and prison, and his prison occupation thankfully came out to 8%, and I saved him $3. And I was like, thanks for that.\n\nBut, yeah, there's not many options out there. Look. I'm sorry. I tried calling around everybody and arguing the points of fucking months. And all I've been able to sort of come up with is we just trim it down a bit to chop off a few grand.\n\nAnd the moment there's a better option out there, whether it's me or someone else, again, I'll be jumping at it. But until that point, we're gonna have to work with these guys for a little while. So yeah. Well, I've got it coming through because I've done a few quotes where if the income protection that's doing it, like, the license, it's it's less than $2 for the million 1.3 mil. Income protection is what's hitting you to 7,000.\n\nYeah. So you've got one of the old 75% policy. Anything new with a different insurer is 70% maximum, so it's not that much different. But thirty day age 65 is just well, I found one that was a few grand less, but not until the fire is less than 10% of your occupation. And then they said, oh, look.\n\nWe'll do it if it's above 10%, but you've got to wait thirteen weeks to claim, which is three months. So the options there are pretty fucking limited because you're on thirty days at the moment. You're sick for a month. It kicks in. There's a living brain coming out.\n\nThese guys were like, no. You have to wait three months for it, which you've got the savings there, maybe. But what I'll do is I'm gonna send you three quotes through. Yeah. So what I'm thinking, the only options we've got is I've got a quote here for improving the income through one pass down to five year benefit or two year benefit.\n\nThat'll trim a few grand off. I'll send those through here. The one with Neos, we would basically destroy your income protection with one path and redo it with Neos and have two insurers, but they would do thirteen week wait, two year benefit maximum. And let me just have a little bit of premiums here. Basically, I'll give you the options.\n\nYou tell me what you wanna go ahead with, but I'll grab up this quote now. So thirteen week wait two year benefit trimmed it down from $7 to $3. But special risk occupation class here. That's 70%. The definition's shit.\n\nSo Yeah. Okay. So we're right. I'm gonna base it on yeah. Yep.\n\nYeah. Right. So $60, we earn. No. But how how much is, like, a week or a fortnight or a month would you percentage it for working hours?\n\nBecause the income is $60. That's one thing. Oh, shit. Okay. Oh, no.\n\nIf you can hear me, it's just dropping out. Yeah. I gotcha. You back? Cool.\n\nIt's reception seem to cut out for a second. I was just asking about the hours with Matt Arthur. What that's alright. I've got your back. So break it down for me.\n\nWhat a typical week, fortnight, or month work hours wise between the two, and if I can prove it's less than 10%, I might be able to go with these guys. Five and four, four and five. Total four nine. Okay. K.\n\n10 to 15 average of fortnight. The income's high because that's a $100 an hour. That's fair enough. So five and four, four and five, twelve hour shifts. And that's before overtime or after?\n\nInclude? Every time. Yes. Per month. When you do overtime, how many hours do you do for that that shift compared to twelve?\n\nYeah. Okay. And are there any days where it's above twelve? Yeah. Is there any where it's above twelve?\n\nAny shifts that'll be below twelve, what what would they be like? No. Okay. So I'll just do twelve hours on the five and four, four and five, and compare that to 10 to 15 a fortnight average. Yep.\n\nK. So if you go sixty hours a week average for that, let's say, five five to seven on there. Okay. So what I'll do is I'm gonna do a bit of a split. I'm gonna have a look at kicking out the waiting period for your one part policy to 60 or 90 savings and premiums more so than trimming your benefit down from a sixty five to five years or two years.\n\nSo I would kick that out to six year nine, that's gonna be What I'll do from there is I'm gonna call and see if I can get the fire fire excluded. I'll base it off just a a couple of $100 for Mount Arthur. And based on that occasion, if that gives us replacement of all your insurances, I'll let you know. If it's just income protection, I'll send you that quote as well just so you've got it. Cool.\n\nAnd for the super investment no. That's alright. It's good that we've had this conversation if that clears it up for me. Because, like I said, it's been a pain in the ass for when everyone is arguing the point, but now I've got a bit more ammunition. For the super, I've already got a portfolio picked out some lower fee investments that'll pick up that and bring the super performance back up.\n\nBut let me just see if I can get these premiums down, and I'll get you on to that account and see if they can help. Yep. Okay. So what I want you to do okay. Go on to your myGov and see if it's got any more of that carry forward left over for the last five years, and just shoot me back, like, a a message or an email.\n\nIf not oh, no. Bugger. Okay. So have you tried calling the ATL and just, like, maybe I mean, the login is one thing, but you could always ask them, hey. Look.\n\nI can't get into the myGov. Can you tell me what the hell my carry forward is and see if they can tell you? So I'll send you an email with how to get Yep. Gotcha, Kane. That's alright.\n\nLast thing I wanted to say, so just quick recap, is I'll do the the account referral. We'll look at the property stuff down the line when you get a chance to look at that. Sort the insurances, sort the super, and then I've just gotta check what to do with your contributions after after you get the checks. Cool. Anything else I could do for you?\n\nWell yep. And it's logged in. Yeah. And that's what it is. It's like market slowed down on a couple of the investments.\n\nPremiums came out, and it just slowed it right down. One one thing I wanted to run by you, the mortgage, are you using an offset account? Okay. So what I was thinking is your bank. How much you got owing on it?\n\nOkay. Okay. I'll put 500. One of the things that I do with the mining guys a lot with the big income is I get them to pull the cash into the offset account for the year and then do the one off contribution in June. And that way you can sort of double dip the interest in the tax savings.\n\nYeah. No. That's fine. Yeah. Well, what you basically wanna do yeah.\n\nWell, let let's say you you skip forward to 2030. Right? Let's say you you're off Manhass and you're just on that $60. Well, then you've got a much bigger buffer to use the lower tax brackets for the sale of the investment and possible offsets after that. So it might be a bit of a timing down the line.\n\nLine it up when the income goes down to kind of live off it. Gotcha. Yeah. It might be a small thing to do now. Yeah.\n\nI get you. So it might be knock that off now and then leave the biggest stuff to the five year mark. K. Jeez. But we're gonna have to end up going to Cayman Islands at some point or The UAE.\n\nI don't know. I have to talk to a couple of international advisers and see if we start going to different tax jurisdictions. Maybe that's something down the line to think about. Yeah. That's probably the way things are gonna go.\n\nPeople are gonna start just trying to exit in their funds to other countries. You know? Yeah. Yeah. It seems to be all the doors are closing one by one.\n\nIt's been a pretty sad ten years to watch every new budget comes out as another thing closed. That's exactly what I said to the team last week. They don't actually know anything economically or That's it. You know, they just write the legislation for the lobbying groups. Yeah.\n\nYep. Yep. Well, I can't get into the politics at work, but, yeah, I can't say I disagree with you. Alright. Still got you there.\n\nWell, we'll do the best we can with the options we got while we're here, and we're gonna come to people make right. Can I if you can still hear me, I'm still getting a bit of a cutout, so I might have to leave it there if that's alright? Cool. Cool. So I've got everything noted down for what we're gonna do.\n\nI'm gonna endeavor to try and sort this out over the couple of weeks and get you booked in to run through it with you. Just keep an ear out for those two emails if that's alright. Yeah. Yep. Let me just have a look at what I got on this.\n\nYeah. I should be able to get them to you tonight. My last one's at 05:30, and then I'll pretty much email you straight away after that. Well, it's been a pleasure, and I do appreciate you taking the time to talk it through with me again, mate. But leave it with me, and proof will be in the pudding when I show you the plan.\n\nAwesome. Have a great day, Kane. Cheers.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.017439046874642372},{"text":"Oh, fantastic.","start":4.88,"end":5.8599997,"sentiment":"positive","sentiment_score":0.6882763206958771},{"text":"Nice.","start":6.56,"end":6.96,"sentiment":"positive","sentiment_score":0.5731269717216492},{"text":"Pop them through when you're ready.","start":6.96,"end":8.34,"sentiment":"neutral","sentiment_score":0.2937573393185933},{"text":"Yeah.","start":14.655001,"end":14.975,"sentiment":"neutral","sentiment_score":0.10886422544717787}],"sentiment":"positive","sentiment_score":0.3489569928497076,"num_words":11,"start":0.16,"end":14.975},{"sentences":[{"text":"And my thing just rang out, so it's great that you fall back.","start":14.975,"end":18.995,"sentiment":"positive","sentiment_score":0.37200014980939716},{"text":"Thank you.","start":22.735,"end":23.555,"sentiment":"positive","sentiment_score":0.45505157113075256},{"text":"Good afternoon, Kane.","start":34.510002,"end":35.63,"sentiment":"neutral","sentiment_score":0.2041662484407425},{"text":"Can you hear me okay?","start":35.63,"end":36.690002,"sentiment":"neutral","sentiment_score":0.04495396763086319},{"text":"Fantastic, mate.","start":39.635002,"end":40.595,"sentiment":"positive","sentiment_score":0.46512275934219366}],"sentiment":"neutral","sentiment_score":0.300544767677784,"num_words":25,"start":14.975,"end":40.595},{"sentences":[{"text":"Thank you so much for calling back.","start":40.595,"end":42.035,"sentiment":"positive","sentiment_score":0.36572641134262085},{"text":"I wasn't able to ring through or get a text message through to you, so I wasn't sure if there was an issue with the phone line.","start":42.035,"end":48.295002,"sentiment":"neutral","sentiment_score":-0.07999428113301595},{"text":"Oh, that's fantastic.","start":56.37,"end":57.27,"sentiment":"neutral","sentiment_score":-0.0651926559706529},{"text":"Wait.","start":60.05,"end":60.29,"sentiment":"neutral","sentiment_score":-0.14896515011787417},{"text":"I was actually no idea.","start":60.29,"end":63.435,"sentiment":"neutral","sentiment_score":-0.1328364446759224}],"sentiment":"neutral","sentiment_score":-0.014150838432616965,"num_words":43,"start":40.595,"end":63.435},{"sentences":[{"text":"I was actually writing you an email just to say, hey.","start":63.435,"end":65.675,"sentiment":"neutral","sentiment_score":-0.12276681851256978},{"text":"Look.","start":65.675,"end":65.835,"sentiment":"neutral","sentiment_score":-0.0909990519285202},{"text":"I've tried to call, tried to text, but, well, thanks so much for calling back.","start":65.835,"end":69.615,"sentiment":"neutral","sentiment_score":-0.014743440349896749},{"text":"That's alright.","start":77.60999,"end":78.35,"sentiment":"neutral","sentiment_score":0.1485201194882393},{"text":"Mate, we've got you here, so that's perfect.","start":78.49,"end":80.59,"sentiment":"neutral","sentiment_score":0.26861722208559513}],"sentiment":"neutral","sentiment_score":0.021172766347189207,"num_words":37,"start":63.435,"end":80.59},{"sentences":[{"text":"I just wanted to double check with you.","start":81.45,"end":83.049995,"sentiment":"neutral","sentiment_score":0.06355816358700395},{"text":"Did you go through the quick security check with Caden when you got through?","start":83.049995,"end":86.509995,"sentiment":"neutral","sentiment_score":0.017891560548118184},{"text":"Amazing.","start":89.735,"end":90.215004,"sentiment":"neutral","sentiment_score":0.30078479647636414},{"text":"Thank you so much for that, mate.","start":90.215004,"end":91.675,"sentiment":"positive","sentiment_score":0.41562123809541973},{"text":"So I've got you in for the discussion about the super performance, the insurance premiums, all that kind of thing.","start":92.295006,"end":99.515,"sentiment":"neutral","sentiment_score":0.18168690651655198}],"sentiment":"neutral","sentiment_score":0.15205637499690056,"num_words":50,"start":81.45,"end":99.515},{"sentences":[{"text":"How long have I got you for today?","start":99.895004,"end":101.675,"sentiment":"neutral","sentiment_score":0.00932727986946702},{"text":"Gotcha.","start":111.049995,"end":111.549995,"sentiment":"neutral","sentiment_score":-0.07902487367391586},{"text":"Mate, it's foggy, cold, rainy, miserable over the Gold Coast, so a bit bit jealous, but perfect.","start":120.825,"end":127.725,"sentiment":"neutral","sentiment_score":-0.07024616720702719},{"text":"Perfect.","start":138.21,"end":138.71,"sentiment":"positive","sentiment_score":0.6454577445983887},{"text":"Perfect.","start":139.01001,"end":139.51001,"sentiment":"positive","sentiment_score":0.5677642822265625}],"sentiment":"neutral","sentiment_score":0.0005225196281181914,"num_words":28,"start":99.895004,"end":139.51001},{"sentences":[{"text":"Well, I didn't wanna actually waste too much of your time today because I've already been going through your file quite a lot with the team to try and work out some options for you.","start":139.57,"end":150.36499,"sentiment":"neutral","sentiment_score":0.04789764348949705},{"text":"If you recall, you you you went through a whole pre assessment with Cadence where you went through all the health information, occupation information.","start":151.305,"end":158.205,"sentiment":"neutral","sentiment_score":0.04191012952166299},{"text":"And, basically, what we've been doing for the insurances is calling every single insurer and, basically, trying to argue and find out who can offer you sort of a better deal than what you've currently got because your premiums are over $10 now.","start":158.97,"end":171.675,"sentiment":"neutral","sentiment_score":-0.01659886235761088},{"text":"Yeah.","start":178.075,"end":178.575,"sentiment":"neutral","sentiment_score":-0.12942108511924744},{"text":"Yeah.","start":210.73,"end":211.05,"sentiment":"neutral","sentiment_score":-0.00465492345392704}],"sentiment":"neutral","sentiment_score":0.01763878404521025,"num_words":104,"start":139.57,"end":211.05},{"sentences":[{"text":"And pretty much you've been maxing out your contributions.","start":211.05,"end":213.47,"sentiment":"neutral","sentiment_score":-0.07549428277545506},{"text":"Yeah.","start":236.84,"end":237.08,"sentiment":"neutral","sentiment_score":-0.15100818872451782},{"text":"All the previous years looks fantastic in the last twelve months.","start":237.08,"end":240.28,"sentiment":"neutral","sentiment_score":0.12984279475428842},{"text":"It's kind of gone sideways.","start":240.28,"end":241.58,"sentiment":"negative","sentiment_score":-0.4502461016178131},{"text":"I think I'm looking at it there.","start":242.04,"end":244.92,"sentiment":"neutral","sentiment_score":-0.29814676514693667}],"sentiment":"neutral","sentiment_score":-0.11334678350072919,"num_words":33,"start":211.05,"end":244.92},{"sentences":[{"text":"$257,000 up to $2.89.","start":244.92,"end":247.66,"sentiment":"neutral","sentiment_score":-0.051439433358609676},{"text":"Most of that contribution, a bit load of premiums coming out, probably about $18 worth of growth, which is not as high as it was previously.","start":247.91501,"end":255.935,"sentiment":"neutral","sentiment_score":-0.179735378577159},{"text":"So but pretty much what I wanted to do on this call is I I haven't come to you with any excuses or anything.","start":256.555,"end":262.975,"sentiment":"neutral","sentiment_score":-0.10043223171184461},{"text":"Basically, just try to come up with solutions.","start":264.04,"end":265.9,"sentiment":"neutral","sentiment_score":-0.049259682185947895},{"text":"So I'm I'm not gonna send you anything in terms of, hey.","start":266.36002,"end":269.26,"sentiment":"neutral","sentiment_score":-0.10770065140483591}],"sentiment":"neutral","sentiment_score":-0.12129373529554673,"num_words":74,"start":244.92,"end":269.26},{"sentences":[{"text":"Sorry.","start":270.28,"end":270.52,"sentiment":"neutral","sentiment_score":-0.1187220960855484},{"text":"Go for it.","start":270.52,"end":271.34,"sentiment":"neutral","sentiment_score":-0.044667633871237435},{"text":"Yes.","start":280.965,"end":281.465,"sentiment":"neutral","sentiment_score":-0.020578738301992416},{"text":"Yes.","start":298.90002,"end":299.40002,"sentiment":"neutral","sentiment_score":0.045745812356472015},{"text":"Yeah.","start":333.825,"end":334.225,"sentiment":"neutral","sentiment_score":0.061119623482227325}],"sentiment":"neutral","sentiment_score":-0.02377690002322197,"num_words":7,"start":270.28,"end":334.225},{"sentences":[{"text":"Yep.","start":334.225,"end":334.725,"sentiment":"neutral","sentiment_score":0.05893963575363159},{"text":"Did you get a last tax return?","start":334.785,"end":337.345,"sentiment":"neutral","sentiment_score":0.022847851871379783},{"text":"I know we've just hit end of financial year now.","start":337.345,"end":339.76498,"sentiment":"neutral","sentiment_score":-0.04621533676981926},{"text":"But did you get a division two nine three notice last year for like, did you earn over $2.50 last year?","start":339.86,"end":347.48,"sentiment":"neutral","sentiment_score":-0.024315896976206983},{"text":"Yes.","start":356.355,"end":356.67502,"sentiment":"neutral","sentiment_score":-0.05781348794698715}],"sentiment":"neutral","sentiment_score":-0.020293152332305907,"num_words":40,"start":334.225,"end":356.67502},{"sentences":[{"text":"Yep.","start":356.67502,"end":357.17502,"sentiment":"neutral","sentiment_score":-0.05504065752029419},{"text":"Yeah.","start":368.45,"end":368.85,"sentiment":"neutral","sentiment_score":-0.04832000285387039},{"text":"And use up the rest of the cap.","start":368.85,"end":370.55,"sentiment":"neutral","sentiment_score":-0.06609833752736449},{"text":"Yeah.","start":382.785,"end":383.105,"sentiment":"neutral","sentiment_score":-0.1841222643852234},{"text":"So I can I can work that out with you?","start":383.105,"end":385.125,"sentiment":"neutral","sentiment_score":-0.33106920272111895}],"sentiment":"neutral","sentiment_score":-0.19652198343759492,"num_words":21,"start":356.67502,"end":385.125},{"sentences":[{"text":"You fall into the same category.","start":386.14502,"end":388.165,"sentiment":"neutral","sentiment_score":-0.1977620075146357},{"text":"Oh, no.","start":389.88998,"end":390.61,"sentiment":"neutral","sentiment_score":-0.161005437374115},{"text":"But you've hit the same category as my father-in-law.","start":390.61,"end":393.19,"sentiment":"neutral","sentiment_score":-0.1588709909054968},{"text":"He's out in the mines too on the $2.50 mark.","start":393.88998,"end":396.55,"sentiment":"neutral","sentiment_score":-0.13344287872314453},{"text":"And what it basically is is you can use up the other caps.","start":396.77,"end":400.44998,"sentiment":"neutral","sentiment_score":0.010776798885602217}],"sentiment":"neutral","sentiment_score":-0.1033188059926033,"num_words":40,"start":386.14502,"end":400.44998},{"sentences":[{"text":"That's fine.","start":400.44998,"end":401.27,"sentiment":"neutral","sentiment_score":0.06184558756649494},{"text":"But the moment you're so yeah.","start":401.49,"end":403.09,"sentiment":"neutral","sentiment_score":-0.09696601703763008},{"text":"Sorry.","start":403.09,"end":403.40997,"sentiment":"neutral","sentiment_score":-0.16381539404392242},{"text":"Your income and super contributions are above $2.50, you know how you're on, like, that 47% tax rate, like, at the highest rate?","start":403.40997,"end":411.225,"sentiment":"neutral","sentiment_score":-0.16838481018076773},{"text":"So the moment you go over $2.50 total, they whack you with an extra 15% tax rate instead of the 15%.","start":412.645,"end":420.85,"sentiment":"neutral","sentiment_score":-0.18944609963468143}],"sentiment":"neutral","sentiment_score":-0.15987054806835246,"num_words":53,"start":400.44998,"end":420.85},{"sentences":[{"text":"So 30 on a portion of it.","start":420.85,"end":422.85,"sentiment":"neutral","sentiment_score":-0.0962552736912455},{"text":"So that's what you would be getting on a yearly basis where they say, hey.","start":422.85,"end":426.23,"sentiment":"neutral","sentiment_score":-0.11323315352201462},{"text":"Either you pay this personally from your tax return or release the money from super to pay this extra 15 percent.","start":426.29,"end":432.47,"sentiment":"neutral","sentiment_score":-0.14563206654219402},{"text":"Yeah.","start":465.235,"end":465.735,"sentiment":"neutral","sentiment_score":0.28673267364501953},{"text":"Yeah.","start":473.97,"end":474.37,"sentiment":"neutral","sentiment_score":0.14444462954998016}],"sentiment":"neutral","sentiment_score":-0.11109734028577804,"num_words":45,"start":420.85,"end":474.37},{"sentences":[{"text":"And fire and rescue's got way more concessions.","start":474.37,"end":476.63,"sentiment":"neutral","sentiment_score":0.05563960177823901},{"text":"Yeah.","start":484.705,"end":485.185,"sentiment":"neutral","sentiment_score":-0.024827968329191208},{"text":"Yep.","start":485.185,"end":485.685,"sentiment":"neutral","sentiment_score":0.05335472524166107},{"text":"Especially, it's like a lot of the public sector stuff as well.","start":486.705,"end":489.525,"sentiment":"neutral","sentiment_score":-0.036316551733762026},{"text":"Yeah.","start":496.08,"end":496.58,"sentiment":"neutral","sentiment_score":-0.06561364233493805}],"sentiment":"neutral","sentiment_score":-0.0012073344348565392,"num_words":23,"start":474.37,"end":496.58},{"sentences":[{"text":"Do you guys do you what method do you do for the travel?","start":504.735,"end":508.895,"sentiment":"neutral","sentiment_score":-0.08844827115535736},{"text":"Do you do log book or the other one?","start":508.895,"end":510.91498,"sentiment":"neutral","sentiment_score":-0.057472712670763336},{"text":"Okay.","start":516.095,"end":516.595,"sentiment":"neutral","sentiment_score":0.01573048159480095},{"text":"Yeah.","start":525.95,"end":526.45,"sentiment":"neutral","sentiment_score":0.051247455179691315},{"text":"Okay.","start":545.95,"end":546.35,"sentiment":"neutral","sentiment_score":0.03669815883040428}],"sentiment":"neutral","sentiment_score":-0.06253623373806477,"num_words":25,"start":504.735,"end":546.35},{"sentences":[{"text":"And who are you using for the accounting side effect?","start":546.35,"end":549.01,"sentiment":"neutral","sentiment_score":-0.004292944818735123},{"text":"Yep.","start":566.94,"end":567.44,"sentiment":"neutral","sentiment_score":-0.2105688750743866},{"text":"Yep.","start":578.95496,"end":579.45496,"sentiment":"negative","sentiment_score":-0.6897834539413452},{"text":"Just hitting you from every angle.","start":580.555,"end":582.095,"sentiment":"neutral","sentiment_score":-0.32972418516874313},{"text":"You'd probably be paying $80 taxes to probably fund the bloody village at this point.","start":586.315,"end":590.61,"sentiment":"negative","sentiment_score":-0.3570224384466807}],"sentiment":"neutral","sentiment_score":-0.2508170746944167,"num_words":33,"start":546.35,"end":590.61},{"sentences":[{"text":"Well, if it helps, I do have a really good remote accountant, Goldshore.","start":595.49,"end":600.95,"sentiment":"neutral","sentiment_score":0.2239360247667019},{"text":"If you want a second opinion and see if he can come up with a few better things for you for this tax return I can get you onto it.","start":601.41,"end":607.66504,"sentiment":"neutral","sentiment_score":0.07142171363035837},{"text":"Yeah.","start":629.26,"end":629.66,"sentiment":"neutral","sentiment_score":-0.04204634949564934},{"text":"Okay.","start":629.66,"end":630.16,"sentiment":"neutral","sentiment_score":-0.06576745212078094},{"text":"Far out.","start":644.73,"end":645.63,"sentiment":"neutral","sentiment_score":-0.10440662875771523}],"sentiment":"neutral","sentiment_score":0.10079133344140459,"num_words":47,"start":595.49,"end":645.63},{"sentences":[{"text":"Okay.","start":645.69,"end":646.19,"sentiment":"neutral","sentiment_score":-0.07018432021141052},{"text":"So yeah.","start":650.81,"end":655.15,"sentiment":"neutral","sentiment_score":-0.19350893795490265},{"text":"So I guess the the plan is get the cheat sheet, get a second opinion, and see if you can get a much better outcome for this tax return at the very least.","start":655.47504,"end":663.015,"sentiment":"neutral","sentiment_score":0.07539112053134224},{"text":"Okay.","start":688.445,"end":688.945,"sentiment":"neutral","sentiment_score":0.01089528761804104},{"text":"Yeah.","start":703.33997,"end":703.83997,"sentiment":"negative","sentiment_score":-0.3999596834182739}],"sentiment":"neutral","sentiment_score":0.043201062779285405,"num_words":38,"start":645.69,"end":703.83997},{"sentences":[{"text":"Pain in the ass.","start":703.89996,"end":704.95996,"sentiment":"negative","sentiment_score":-0.6277174204587936},{"text":"So mate, I was looking at some fucking budgets the other day for some of the councils, and and they're building roads and community centers out and walk off nowhere for about $20,000,000,000.","start":706.755,"end":723.64,"sentiment":"negative","sentiment_score":-0.5849338760881713},{"text":"And the rate payers can't pay it off for two hundred years in in the middle of nowhere where there's about 4,000 people living.","start":724.02,"end":729.64,"sentiment":"negative","sentiment_score":-0.5505197929839293},{"text":"And and that's about it.","start":729.86,"end":731.685,"sentiment":"negative","sentiment_score":-0.35520721077919004},{"text":"Get a bit of curbside cleanup and the and the business done, and then they increase the rates on you and all the rest of it.","start":731.765,"end":737.145,"sentiment":"neutral","sentiment_score":-0.2305659419642045}],"sentiment":"negative","sentiment_score":-0.4651838387970043,"num_words":92,"start":703.89996,"end":737.145},{"sentences":[{"text":"Yeah.","start":750.74,"end":750.98004,"sentiment":"negative","sentiment_score":-0.34569448232650757},{"text":"100 percent.","start":750.98004,"end":751.8,"sentiment":"negative","sentiment_score":-0.4135983735322952},{"text":"Are are you thinking of doing when when it comes to the property side of things, if you look at all the changes to the legislation that's just come through?","start":752.02,"end":759.675,"sentiment":"neutral","sentiment_score":-0.008284637580315272},{"text":"Look.","start":765.755,"end":766.075,"sentiment":"neutral","sentiment_score":-0.07008406519889832},{"text":"It's not yeah.","start":766.075,"end":767.615,"sentiment":"neutral","sentiment_score":-0.15262758483489355}],"sentiment":"neutral","sentiment_score":-0.052686410175787436,"num_words":37,"start":750.74,"end":767.615},{"sentences":[{"text":"Yep.","start":782.07,"end":782.57,"sentiment":"neutral","sentiment_score":-0.013432284817099571},{"text":"Yeah.","start":808.02,"end":808.52,"sentiment":"neutral","sentiment_score":0.01631951332092285},{"text":"1.1.","start":840.985,"end":841.965,"sentiment":"neutral","sentiment_score":-0.016777005046606064},{"text":"Okay.","start":844.105,"end":844.605,"sentiment":"neutral","sentiment_score":0.0858008861541748},{"text":"Mate, you'd almost wanna be seeing more than a thousand bucks for that.","start":845.625,"end":848.97,"sentiment":"neutral","sentiment_score":0.17356334282801703}],"sentiment":"neutral","sentiment_score":0.13695497449268312,"num_words":17,"start":782.07,"end":848.97},{"sentences":[{"text":"Yeah.","start":858.00995,"end":858.50995,"sentiment":"neutral","sentiment_score":0.16630609333515167},{"text":"You know, the the high income earners are the guys who get the most out of anybody.","start":876.68,"end":880.38,"sentiment":"neutral","sentiment_score":-0.15427330443087747},{"text":"And you're not exactly the the 1%, but the moment you start pressing $200, you get put into this category to cost the most tax, the least deduction, compared to the guys that have a $50,000,000,000 business or the guys who are on.","start":880.68,"end":894.935,"sentiment":"neutral","sentiment_score":-0.08473836349020171},{"text":"So are you thinking of doing a bit of mate, that was me, probably, ten years ago going through the budget to go on.","start":906.69,"end":913.695,"sentiment":"neutral","sentiment_score":-0.26089477849503356},{"text":"This health care welfare system is just blowing out of proportion.","start":913.935,"end":917.955,"sentiment":"negative","sentiment_score":-0.818005312572826}],"sentiment":"neutral","sentiment_score":-0.2224960711901076,"num_words":96,"start":858.00995,"end":917.955},{"sentences":[{"text":"Add the NDIS on top now, and it just completely drained the country.","start":918.335,"end":923.795,"sentiment":"neutral","sentiment_score":-0.1609157404074302},{"text":"Yeah.","start":931.01,"end":931.33,"sentiment":"neutral","sentiment_score":-0.1612822562456131},{"text":"Big roar.","start":931.33,"end":932.07,"sentiment":"neutral","sentiment_score":-0.18774717301130295},{"text":"Yeah.","start":950.63995,"end":951.13995,"sentiment":"negative","sentiment_score":-0.3389700949192047},{"text":"Some of the businesses that, like, people have right in from them.","start":954.72,"end":957.68,"sentiment":"negative","sentiment_score":-0.5091463476419449}],"sentiment":"neutral","sentiment_score":-0.3130140515237019,"num_words":29,"start":918.335,"end":957.68},{"sentences":[{"text":"And I saw some people building NDIS properties where they'd build a five, six bedroom place, like you were saying, wheelchair access, and they have a live in nurse plus five people, and they're getting on yeah.","start":957.68,"end":970.975,"sentiment":"neutral","sentiment_score":0.0014034009513420027},{"text":"Well, government pay rent on top of the rent that they charge each tenant.","start":970.975,"end":976.115,"sentiment":"neutral","sentiment_score":0.05108087000969265},{"text":"Yeah.","start":988.52496,"end":989.02496,"sentiment":"neutral","sentiment_score":0.2052828073501587},{"text":"Well, I saw one in total for the whole property with sixty thousand dollars.","start":1015.64496,"end":1019.505,"sentiment":"negative","sentiment_score":-0.4727873738322939},{"text":"Mate, I tried to do that five, six years ago, and the only developer that was approved in Queensland was a bit on the Dodge side, and we we just couldn't get on to it at the time.","start":1021.165,"end":1031.83,"sentiment":"neutral","sentiment_score":-0.16345288163345112}],"sentiment":"neutral","sentiment_score":-0.1140181914715168,"num_words":104,"start":957.68,"end":1031.83},{"sentences":[{"text":"Yeah.","start":1031.83,"end":1032.1499,"sentiment":"neutral","sentiment_score":-0.12491007149219512},{"text":"Had to do it almost, like, privately and try and get all the approvals, but there was just no way of getting in if you didn't know the guy.","start":1032.1499,"end":1038.8899,"sentiment":"neutral","sentiment_score":-0.17897315015052928},{"text":"It was a small club, and I wasn't in it.","start":1042.045,"end":1044.0651,"sentiment":"neutral","sentiment_score":-0.10061821863055229},{"text":"And we tried because we were gonna do it through Super.","start":1044.365,"end":1046.945,"sentiment":"neutral","sentiment_score":-0.059998140755024826},{"text":"Do a NDIS property through Super, get you $60.","start":1047.165,"end":1050.465,"sentiment":"neutral","sentiment_score":-0.049896258446905345}],"sentiment":"neutral","sentiment_score":-0.12383932477484147,"num_words":60,"start":1031.83,"end":1050.465},{"sentences":[{"text":"Yeah.","start":1066.875,"end":1067.375,"sentiment":"neutral","sentiment_score":-0.09132765233516692},{"text":"You've got to look at commercial these days for the SMS there.","start":1069.275,"end":1072.175,"sentiment":"neutral","sentiment_score":-0.028350341832265258},{"text":"Yep.","start":1083.6901,"end":1084.1901,"sentiment":"neutral","sentiment_score":-0.12464310973882677},{"text":"Gotcha.","start":1089.495,"end":1089.995,"sentiment":"negative","sentiment_score":-0.4485042095184326},{"text":"Okay.","start":1100.23,"end":1100.73,"sentiment":"neutral","sentiment_score":-0.04374140501022339}],"sentiment":"neutral","sentiment_score":-0.06552627991186455,"num_words":16,"start":1066.875,"end":1100.73},{"sentences":[{"text":"So you know the new changes I did to negative gearing and capital gains tax?","start":1102.71,"end":1107.85,"sentiment":"neutral","sentiment_score":-0.05540798902511597},{"text":"So one of the things that we've been talking about with accountants and advisers at the moment is to think of your investment side all pulled off to the side of one category.","start":1110.07,"end":1119.7949,"sentiment":"neutral","sentiment_score":-0.04765718554457029},{"text":"So all your investments, your properties, all that kind of thing is off to one bubble.","start":1120.1749,"end":1124.4349,"sentiment":"neutral","sentiment_score":-0.13242954155430198},{"text":"Now the way it's gonna work is if you get, like, a new property, new build, or commercial that's still able to get the negatives, it can accumulate those year after year after year, and then it can be used up when your investments get positive.","start":1124.975,"end":1143.255,"sentiment":"neutral","sentiment_score":-0.03225536166649798},{"text":"Correct.","start":1156.0499,"end":1156.53,"sentiment":"neutral","sentiment_score":-0.08892703801393509}],"sentiment":"neutral","sentiment_score":-0.05491309277377687,"num_words":111,"start":1102.71,"end":1156.53},{"sentences":[{"text":"So what the guys are are doing at the moment is they're gonna accumulate maybe five to seven years of of negatives, and then whatever they've gotten from business growth and capital growth on investments, they're gonna sell them and offset them all in the one year.","start":1156.53,"end":1171.5951,"sentiment":"neutral","sentiment_score":-0.28884929672200627},{"text":"So what I was gonna say is, like, if you're gonna get another one, you're gonna accumulate a few of those.","start":1174.135,"end":1180.25,"sentiment":"neutral","sentiment_score":-0.10323590412735939},{"text":"Yeah.","start":1194.885,"end":1195.385,"sentiment":"neutral","sentiment_score":-0.02368307299911976},{"text":"Yeah.","start":1211.5399,"end":1212.0399,"sentiment":"neutral","sentiment_score":-0.07071972638368607},{"text":"Yeah.","start":1220.775,"end":1221.275,"sentiment":"neutral","sentiment_score":-0.029816826805472377}],"sentiment":"neutral","sentiment_score":-0.22349423322249468,"num_words":71,"start":1156.53,"end":1221.275},{"sentences":[{"text":"Yeah.","start":1241.14,"end":1241.64,"sentiment":"neutral","sentiment_score":0.006871109828352928},{"text":"Yes.","start":1250.895,"end":1251.395,"sentiment":"neutral","sentiment_score":-0.17287763953208923},{"text":"Oh, yeah.","start":1252.5751,"end":1253.055,"sentiment":"negative","sentiment_score":-0.4515333473682403},{"text":"Jesus.","start":1253.055,"end":1253.555,"sentiment":"negative","sentiment_score":-0.5525456666946411},{"text":"It would have forced you to sell everything.","start":1255.63,"end":1257.3301,"sentiment":"negative","sentiment_score":-0.5451410040259361}],"sentiment":"negative","sentiment_score":-0.4602113017955652,"num_words":13,"start":1241.14,"end":1257.3301},{"sentences":[{"text":"K.","start":1262.99,"end":1263.39,"sentiment":"neutral","sentiment_score":-0.06536681950092316},{"text":"So if you when were you looking at hopping out of the six bedroom place and possibly, you know, renting it out?","start":1263.39,"end":1269.765,"sentiment":"neutral","sentiment_score":-0.04149761575866829},{"text":"What year?","start":1269.925,"end":1275.465,"sentiment":"neutral","sentiment_score":-0.007011002395302057},{"text":"Yep.","start":1295.485,"end":1295.985,"sentiment":"neutral","sentiment_score":0.17776653170585632},{"text":"Yeah.","start":1327.275,"end":1327.775,"sentiment":"neutral","sentiment_score":-0.06694568693637848}],"sentiment":"neutral","sentiment_score":-0.03264872319306488,"num_words":27,"start":1262.99,"end":1327.775},{"sentences":[{"text":"Yeah.","start":1335.93,"end":1336.41,"sentiment":"neutral","sentiment_score":-0.01089908741414547},{"text":"Yep.","start":1336.41,"end":1336.91,"sentiment":"neutral","sentiment_score":0.02655103430151939},{"text":"Yeah.","start":1348.5851,"end":1348.665,"sentiment":"neutral","sentiment_score":-0.0007372889667749405},{"text":"One day.","start":1348.665,"end":1349.405,"sentiment":"neutral","sentiment_score":0.0032380698248743994},{"text":"Yeah.","start":1357.0801,"end":1357.3201,"sentiment":"neutral","sentiment_score":0.10801291465759276}],"sentiment":"neutral","sentiment_score":0.021567285371323422,"num_words":6,"start":1335.93,"end":1357.3201},{"sentences":[{"text":"Pretty much.","start":1357.3201,"end":1358.06,"sentiment":"neutral","sentiment_score":0.1172042042016983},{"text":"So, look, if you want, at some point, I've got a dude who's been doing buyer's agent stuff where, you know, with the SMSF cutoff date, he's basically a guy that goes around the country finding properties for people.","start":1358.28,"end":1372.2849,"sentiment":"neutral","sentiment_score":-0.0010355304186351788},{"text":"So if you're looking to get like, rent out Aberdeen, get another one, possibly negatively get a new or commercial one, Buyers agents are probably the way to go at the moment.","start":1372.585,"end":1383.53,"sentiment":"neutral","sentiment_score":-0.10225528490263969},{"text":"They do they they do charge us a solid $10 out of the purchase price to do it at least, but they're the guys that scan the whole country looking for deals.","start":1383.83,"end":1393.13,"sentiment":"neutral","sentiment_score":-0.007066217687679455},{"text":"So ah, good.","start":1393.3151,"end":1405.975,"sentiment":"neutral","sentiment_score":0.2587553635239601}],"sentiment":"neutral","sentiment_score":-0.02340740065038618,"num_words":108,"start":1357.3201,"end":1405.975},{"sentences":[{"text":"Oh, fantastic.","start":1424.425,"end":1425.165,"sentiment":"positive","sentiment_score":0.43107470870018005},{"text":"Cool.","start":1433.24,"end":1433.48,"sentiment":"positive","sentiment_score":0.5044268369674683},{"text":"Okay.","start":1433.48,"end":1433.98,"sentiment":"positive","sentiment_score":0.3857828974723816},{"text":"So use them.","start":1435.4,"end":1438.62,"sentiment":"neutral","sentiment_score":0.27784844239552814},{"text":"I'll I'll send you an email today for the accounting side of things just to see if we can help out there.","start":1439.4,"end":1444.78,"sentiment":"neutral","sentiment_score":0.058542386247691786}],"sentiment":"neutral","sentiment_score":0.13358058539572462,"num_words":29,"start":1424.425,"end":1444.78},{"sentences":[{"text":"Use those guys.","start":1445.115,"end":1445.835,"sentiment":"neutral","sentiment_score":0.0720025102297465},{"text":"Let us know when you do.","start":1445.835,"end":1447.055,"sentiment":"neutral","sentiment_score":0.0308847992370526},{"text":"Is it just on the mortgage, or do you actually have a loan?","start":1461.61,"end":1464.1901,"sentiment":"neutral","sentiment_score":-0.09500308420795661},{"text":"Oh, shit.","start":1467.53,"end":1467.85,"sentiment":"neutral","sentiment_score":-0.3045799136161804},{"text":"How much is that for?","start":1467.85,"end":1469.0701,"sentiment":"neutral","sentiment_score":-0.10439134687185288}],"sentiment":"neutral","sentiment_score":-0.067753114833914,"num_words":29,"start":1445.115,"end":1469.0701},{"sentences":[{"text":"Yeah.","start":1479.2849,"end":1479.7849,"sentiment":"neutral","sentiment_score":-0.15510770678520203},{"text":"Okay.","start":1488.6599,"end":1489.1599,"sentiment":"neutral","sentiment_score":-0.10356271266937256},{"text":"Yeah.","start":1505.5249,"end":1505.845,"sentiment":"neutral","sentiment_score":-0.13261359930038452},{"text":"But it's that bloody consumer debt that's not deductible, and then you're selling off a profitable investment.","start":1505.845,"end":1511.3401,"sentiment":"neutral","sentiment_score":-0.3185873215689379},{"text":"It's just gonna hit you double end.","start":1511.3401,"end":1512.9601,"sentiment":"negative","sentiment_score":-0.4543914113725935}],"sentiment":"neutral","sentiment_score":-0.3328891987050021,"num_words":27,"start":1479.2849,"end":1512.9601},{"sentences":[{"text":"Right.","start":1515.9,"end":1516.14,"sentiment":"neutral","sentiment_score":-0.20903941988945007},{"text":"It's almost like you need a company at this point, but anyway.","start":1516.14,"end":1518.56,"sentiment":"neutral","sentiment_score":-0.2903539439042409},{"text":"Entity is getting squashed anyway.","start":1519.5801,"end":1521.4401,"sentiment":"neutral","sentiment_score":-0.2946759432554245},{"text":"Yeah.","start":1529.0549,"end":1529.535,"sentiment":"neutral","sentiment_score":-0.10283343493938446},{"text":"And they're trying to squash all the the trust at the moment, which is a bit of a pain in the ass for the elderly, but companies are still alright.","start":1529.535,"end":1537.02,"sentiment":"neutral","sentiment_score":-0.2563008734335502}],"sentiment":"neutral","sentiment_score":-0.2644597163461909,"num_words":49,"start":1515.9,"end":1537.02},{"sentences":[{"text":"How how did you go with the Pokemon card collection?","start":1540.28,"end":1542.6001,"sentiment":"neutral","sentiment_score":0.10212053507566451},{"text":"Because you you had a buyer lined up for that last year.","start":1542.6001,"end":1545.1001,"sentiment":"neutral","sentiment_score":0.04421069969733556},{"text":"Yeah.","start":1550.055,"end":1550.295,"sentiment":"neutral","sentiment_score":0.03708057105541229},{"text":"And then you invested it.","start":1550.295,"end":1551.5951,"sentiment":"neutral","sentiment_score":0.019154659658670425},{"text":"Yeah.","start":1561.4299,"end":1561.75,"sentiment":"neutral","sentiment_score":0.020413722842931747}],"sentiment":"neutral","sentiment_score":0.0587931496315989,"num_words":29,"start":1540.28,"end":1561.75},{"sentences":[{"text":"Yep.","start":1561.75,"end":1562.23,"sentiment":"neutral","sentiment_score":0.016070310026407242},{"text":"Gotcha.","start":1562.23,"end":1562.73,"sentiment":"neutral","sentiment_score":-0.07878568023443222},{"text":"Yep.","start":1587.94,"end":1588.44,"sentiment":"neutral","sentiment_score":0.0960601419210434},{"text":"Insane.","start":1592.1,"end":1592.6,"sentiment":"positive","sentiment_score":0.3899773061275482},{"text":"I love it.","start":1592.66,"end":1593.5599,"sentiment":"positive","sentiment_score":0.608405351638794}],"sentiment":"neutral","sentiment_score":0.3212197332509926,"num_words":7,"start":1561.75,"end":1593.5599},{"sentences":[{"text":"Yep.","start":1618.45,"end":1618.95,"sentiment":"neutral","sentiment_score":0.13578268885612488},{"text":"Not bad.","start":1619.17,"end":1619.99,"sentiment":"neutral","sentiment_score":0.21573111414909363},{"text":"Not bad at all.","start":1623.155,"end":1624.375,"sentiment":"neutral","sentiment_score":0.007237130776047707},{"text":"Wow.","start":1633.73,"end":1634.23,"sentiment":"neutral","sentiment_score":0.022280864417552948},{"text":"Because the scalpers are having a field day these days.","start":1635.09,"end":1637.83,"sentiment":"neutral","sentiment_score":-0.13968284390866756}],"sentiment":"neutral","sentiment_score":-0.04324189635614554,"num_words":18,"start":1618.45,"end":1637.83},{"sentences":[{"text":"Yeah.","start":1657.89,"end":1658.13,"sentiment":"neutral","sentiment_score":-0.014486854895949364},{"text":"I mean, it was yeah.","start":1658.13,"end":1669.91,"sentiment":"neutral","sentiment_score":-0.026126494258642198},{"text":"Yep.","start":1670.13,"end":1670.63,"sentiment":"neutral","sentiment_score":0.32657426595687866},{"text":"Big time.","start":1670.77,"end":1671.51,"sentiment":"neutral","sentiment_score":0.31572309136390686},{"text":"Yep.","start":1678.535,"end":1679.035,"sentiment":"neutral","sentiment_score":0.025918353348970413}],"sentiment":"neutral","sentiment_score":0.08388194758445025,"num_words":10,"start":1657.89,"end":1679.035},{"sentences":[{"text":"Alright.","start":1681.655,"end":1682.155,"sentiment":"neutral","sentiment_score":-0.1154889464378357},{"text":"Mate, right place, right time.","start":1682.215,"end":1683.9149,"sentiment":"neutral","sentiment_score":-0.2907298684120178},{"text":"Yeah.","start":1705.365,"end":1705.845,"sentiment":"neutral","sentiment_score":-0.14074237644672394},{"text":"They're gonna clean you up for all of it pretty much, half of all of it.","start":1705.845,"end":1709.4,"sentiment":"neutral","sentiment_score":-0.25622040405869484},{"text":"Can I just put the note down for the file, mate?","start":1713.9601,"end":1716.4601,"sentiment":"neutral","sentiment_score":0.0029519900086928496}],"sentiment":"neutral","sentiment_score":-0.16990985999376895,"num_words":34,"start":1681.655,"end":1716.4601},{"sentences":[{"text":"With the the crypto and the shares, I've gotta put down an estimated value on it.","start":1717.64,"end":1723.005,"sentiment":"neutral","sentiment_score":-0.004535925399977714},{"text":"It.","start":1731.325,"end":1731.405,"sentiment":"neutral","sentiment_score":-0.07531570643186569},{"text":"I'll have to go wake up the the times.","start":1731.405,"end":1733.345,"sentiment":"neutral","sentiment_score":-0.03615474597447448},{"text":"Platform.","start":1745.02,"end":1745.52,"sentiment":"neutral","sentiment_score":0.012812860310077667},{"text":"Yep.","start":1745.9,"end":1746.4,"sentiment":"neutral","sentiment_score":-0.23957619071006775}],"sentiment":"neutral","sentiment_score":-0.025001662750063196,"num_words":28,"start":1717.64,"end":1746.4},{"sentences":[{"text":"Yeah.","start":1756.5851,"end":1757.0851,"sentiment":"neutral","sentiment_score":-0.07179122418165207},{"text":"Yep.","start":1771.7201,"end":1772.2201,"sentiment":"neutral","sentiment_score":0.24308693408966064},{"text":"Perfect.","start":1772.7649,"end":1773.2649,"sentiment":"positive","sentiment_score":0.4784333109855652},{"text":"I'm gonna put something in there.","start":1774.445,"end":1776.065,"sentiment":"neutral","sentiment_score":0.06526421072582404},{"text":"Yep.","start":1791.58,"end":1792.08,"sentiment":"neutral","sentiment_score":-0.0686468780040741}],"sentiment":"neutral","sentiment_score":0.09726674072444438,"num_words":10,"start":1756.5851,"end":1792.08},{"sentences":[{"text":"Yeah.","start":1812.09,"end":1812.33,"sentiment":"neutral","sentiment_score":-0.035250790417194366},{"text":"Gotcha.","start":1812.33,"end":1812.83,"sentiment":"neutral","sentiment_score":-0.05889933928847313},{"text":"Oh, shit.","start":1815.29,"end":1816.09,"sentiment":"neutral","sentiment_score":-0.2817571461200714},{"text":"Okay.","start":1816.09,"end":1816.59,"sentiment":"neutral","sentiment_score":-0.05420821905136109},{"text":"Good call.","start":1817.05,"end":1817.79,"sentiment":"neutral","sentiment_score":0.19479571282863617}],"sentiment":"neutral","sentiment_score":-0.04604017361998558,"num_words":7,"start":1812.09,"end":1817.79},{"sentences":[{"text":"Oh, there you go.","start":1844.615,"end":1845.435,"sentiment":"neutral","sentiment_score":0.19050415977835655},{"text":"Not bad at all.","start":1845.895,"end":1846.9551,"sentiment":"neutral","sentiment_score":0.2682754769921303},{"text":"Oh, that's awesome.","start":1849.3351,"end":1850.295,"sentiment":"positive","sentiment_score":0.7124085227648417},{"text":"That must be so much fun between that and the the cards you did.","start":1850.295,"end":1854.235,"sentiment":"positive","sentiment_score":0.3625409496682031},{"text":"Yeah.","start":1875.0449,"end":1875.5449,"sentiment":"neutral","sentiment_score":-0.00892404280602932}],"sentiment":"positive","sentiment_score":0.3476535910740495,"num_words":26,"start":1844.615,"end":1875.5449},{"sentences":[{"text":"Absolutely.","start":1887.2999,"end":1887.7999,"sentiment":"positive","sentiment_score":0.6439015865325928},{"text":"So that'll continue all year pretty much.","start":1889.7,"end":1892.0399,"sentiment":"positive","sentiment_score":0.6758188860757011},{"text":"So and then you said five years left on that after a round event?","start":1895.395,"end":1898.5349,"sentiment":"neutral","sentiment_score":0.03109462732183082},{"text":"Okay.","start":1913.8099,"end":1914.3099,"sentiment":"neutral","sentiment_score":0.007383059710264206},{"text":"20 30.","start":1915.41,"end":1916.37,"sentiment":"neutral","sentiment_score":0.012766421772539616}],"sentiment":"neutral","sentiment_score":0.233714978992939,"num_words":25,"start":1887.2999,"end":1916.37},{"sentences":[{"text":"Alright.","start":1916.37,"end":1916.87,"sentiment":"neutral","sentiment_score":0.10206359624862672},{"text":"So you're pretty much trying to set yourself up between now and then with all the investments, the income, all that sort of stuff so that you can basically take it easy after that point.","start":1921.525,"end":1930.025,"sentiment":"neutral","sentiment_score":0.24625429596219744},{"text":"Go a bit of maybe part time with the fireies and have all the the cash flow coming in.","start":1930.0851,"end":1935.46,"sentiment":"neutral","sentiment_score":0.1517650532095056},{"text":"Alrighty.","start":1941.0399,"end":1941.5399,"sentiment":"neutral","sentiment_score":0.15442997217178345},{"text":"Well, Gotcha.","start":1942.4,"end":1957.81,"sentiment":"neutral","sentiment_score":0.05324743501842022}],"sentiment":"neutral","sentiment_score":0.2045762897950822,"num_words":58,"start":1916.37,"end":1957.81},{"sentences":[{"text":"Right.","start":1977.165,"end":1977.3251,"sentiment":"neutral","sentiment_score":0.1366717517375946},{"text":"That's what my grandparents are on.","start":1977.3251,"end":1978.925,"sentiment":"neutral","sentiment_score":0.1185968096057574},{"text":"Built all the flats out in the Gold Coast there and workshops and that kind of thing and everything they they get.","start":1978.925,"end":1984.29,"sentiment":"neutral","sentiment_score":0.15584496476433493},{"text":"They haven't gotten a cent from the government since they moved over from Croatia in the sixties, and they literally just they look after the three generations of family off their property.","start":1984.37,"end":1995.27,"sentiment":"neutral","sentiment_score":0.08056436041078996},{"text":"Everything's through trust and company, and all they've talked the last couple of years is tax tax tax.","start":1996.2101,"end":2001.725,"sentiment":"neutral","sentiment_score":-0.10890641229020225}],"sentiment":"neutral","sentiment_score":0.06195678412796387,"num_words":79,"start":1977.165,"end":2001.725},{"sentences":[{"text":"And they haven't gotten a sense from the government the entire time they lived it.","start":2002.745,"end":2005.885,"sentiment":"negative","sentiment_score":-0.3845890363057454},{"text":"But it is still it's still a fucking good thing to aim for.","start":2008.425,"end":2011.5651,"sentiment":"negative","sentiment_score":-0.5043335132873975},{"text":"Gotta get it.","start":2030.375,"end":2031.275,"sentiment":"neutral","sentiment_score":-0.08835481107234955},{"text":"Right.","start":2038.23,"end":2038.47,"sentiment":"neutral","sentiment_score":0.05211144685745239},{"text":"Hopefully, are they listening so far?","start":2038.47,"end":2039.8301,"sentiment":"neutral","sentiment_score":0.003929833260675271}],"sentiment":"neutral","sentiment_score":-0.3293301369504709,"num_words":38,"start":2002.745,"end":2039.8301},{"sentences":[{"text":"Or are they too young to for to click just yet?","start":2039.8301,"end":2042.25,"sentiment":"neutral","sentiment_score":-0.051450444385409355},{"text":"Oh, okay.","start":2055.845,"end":2056.505,"sentiment":"neutral","sentiment_score":0.08249270357191563},{"text":"Fantastic.","start":2064.82,"end":2065.32,"sentiment":"positive","sentiment_score":0.517052173614502},{"text":"Mate, that's amazing.","start":2076.695,"end":2077.8352,"sentiment":"positive","sentiment_score":0.5021436413129171},{"text":"Hopefully, they they you know, it's one of the things shirt sleeves shirt sleeves in great generations, but, hopefully, they they listen and you get to skip a generation or help them out.","start":2078.375,"end":2088.04,"sentiment":"neutral","sentiment_score":0.1820187164526997}],"sentiment":"neutral","sentiment_score":0.15258262518793345,"num_words":50,"start":2039.8301,"end":2088.04},{"sentences":[{"text":"And the grandkids get looked after one day, and they do well by themselves, and then the families establish and they have to work.","start":2088.04,"end":2093.82,"sentiment":"neutral","sentiment_score":0.22267876317103705},{"text":"Yeah.","start":2106.5352,"end":2107.0151,"sentiment":"neutral","sentiment_score":0.11991918087005617},{"text":"Yeah.","start":2107.0151,"end":2107.5151,"sentiment":"neutral","sentiment_score":0.13382098078727722},{"text":"We're gonna make sure that at some point like, set yourself up for the next four or five years.","start":2107.655,"end":2112.0552,"sentiment":"neutral","sentiment_score":0.11508298508430782},{"text":"Right?","start":2112.0552,"end":2112.375,"sentiment":"neutral","sentiment_score":0.05257604271173477}],"sentiment":"neutral","sentiment_score":0.17037354863208273,"num_words":46,"start":2088.04,"end":2112.375},{"sentences":[{"text":"But at some point, gonna have to maybe look at some entities or something because, look, they're gonna they're gonna come to the inheritances at some point, especially for the boomer generation.","start":2112.375,"end":2121.44,"sentiment":"neutral","sentiment_score":0.017539185530040413},{"text":"So keep the ear out.","start":2121.44,"end":2122.9,"sentiment":"neutral","sentiment_score":0.06402592658996582},{"text":"Yeah.","start":2129.615,"end":2130.095,"sentiment":"neutral","sentiment_score":0.009976861998438835},{"text":"Well, look, it's the same thing.","start":2130.095,"end":2131.2952,"sentiment":"neutral","sentiment_score":0.0007555742437640823},{"text":"Like, we always talk about it because we're talking to brokers, accountants.","start":2131.2952,"end":2135.7952,"sentiment":"neutral","sentiment_score":0.016486925771459937}],"sentiment":"neutral","sentiment_score":0.019531017618386874,"num_words":56,"start":2112.375,"end":2135.7952},{"sentences":[{"text":"We're advisers, fund managers.","start":2136.095,"end":2138.5151,"sentiment":"neutral","sentiment_score":0.010056269238702953},{"text":"As that stuff comes in, everybody goes into some rooms and starts talking about it.","start":2138.735,"end":2143.84,"sentiment":"neutral","sentiment_score":0.002468863253792127},{"text":"And if I ever catch wind of what's happening and what the options are, the first thing I'm doing is calling all of you guys up to let you know what the options are and what's gonna happen.","start":2143.84,"end":2152.4202,"sentiment":"neutral","sentiment_score":0.027424380428304796},{"text":"Like, that SMSF thing just kind of came out of nowhere with the green deal and a really short cutoff date that was not even worth trying to squeeze in because there's too much risk.","start":2153.4548,"end":2162.755,"sentiment":"neutral","sentiment_score":-0.06089727820030281},{"text":"But like I said, with the capital gains tax, the negative gearing, there's a few options down the line for what that does.","start":2163.295,"end":2170.46,"sentiment":"neutral","sentiment_score":-0.04224937522540922}],"sentiment":"neutral","sentiment_score":-0.017250051175284643,"num_words":115,"start":2136.095,"end":2170.46},{"sentences":[{"text":"Fantastic.","start":2170.6802,"end":2171.1802,"sentiment":"positive","sentiment_score":0.5291358232498169},{"text":"And, again, commercial and and new builds, fantastic.","start":2171.48,"end":2174.3,"sentiment":"positive","sentiment_score":0.37040623649954796},{"text":"Accumulating losses for the other investments, fantastic.","start":2175.4001,"end":2178.94,"sentiment":"neutral","sentiment_score":0.3284866745982851},{"text":"But if they go for the inheritances, it's gonna be the biggest industry conversation in history, and everyone's gonna be talking about it.","start":2179.24,"end":2187.305,"sentiment":"neutral","sentiment_score":0.1538128392851871},{"text":"So if I find out, I'll let you know straight away.","start":2187.305,"end":2190.605,"sentiment":"neutral","sentiment_score":0.10536464845592325}],"sentiment":"neutral","sentiment_score":0.20976997748017312,"num_words":50,"start":2170.6802,"end":2190.605},{"sentences":[{"text":"Yeah.","start":2208.4548,"end":2208.6948,"sentiment":"neutral","sentiment_score":-0.017600756138563156},{"text":"So yeah.","start":2208.6948,"end":2214.535,"sentiment":"neutral","sentiment_score":-0.03924005338922143},{"text":"Look.","start":2214.535,"end":2214.855,"sentiment":"neutral","sentiment_score":-0.01996764726936817},{"text":"I've got yeah.","start":2214.855,"end":2221.47,"sentiment":"neutral","sentiment_score":-0.15257054567337036},{"text":"And like I said, you're not even in the forties and fifties yet where it's supposed to get up.","start":2221.61,"end":2225.93,"sentiment":"neutral","sentiment_score":-0.19227036363200137}],"sentiment":"neutral","sentiment_score":-0.16257296370055813,"num_words":26,"start":2208.4548,"end":2225.93},{"sentences":[{"text":"Like, I've seen people who had $2,000 policy at 50 and age 60 at 12 down.","start":2225.93,"end":2232.03,"sentiment":"neutral","sentiment_score":-0.04353290796279907},{"text":"Like, that happens in the later years.","start":2232.2349,"end":2234.255,"sentiment":"neutral","sentiment_score":-0.04907846956380776},{"text":"The way that yours is increasing your thirties, I've never seen anything like it.","start":2234.635,"end":2240.335,"sentiment":"neutral","sentiment_score":-0.29991972872189115},{"text":"And the the problem you've got.","start":2241.195,"end":2242.9749,"sentiment":"negative","sentiment_score":-0.6933651765187582},{"text":"What what pissed me off about this is one part of Nios are the only two insurers that would offer the cover because of the combination of the firing with the occupations.","start":2247.29,"end":2259.07,"sentiment":"negative","sentiment_score":-0.5088698617182672}],"sentiment":"negative","sentiment_score":-0.34243971534073353,"num_words":75,"start":2225.93,"end":2259.07},{"sentences":[{"text":"So all I can do for them is I've got pretty much.","start":2259.885,"end":2270.925,"sentiment":"neutral","sentiment_score":-0.2903363990286986},{"text":"So the only thing we can do, I've got an alteration going for I I talked to you previously about the benefit period from a sixty five, maybe five year, two year, and using the CBD cover for the long term stuff.","start":2270.925,"end":2283.7202,"sentiment":"neutral","sentiment_score":-0.05778009861352898},{"text":"That'll probably trim off a few grand.","start":2285.54,"end":2287.56,"sentiment":"neutral","sentiment_score":-0.28510525822639465},{"text":"Yeah.","start":2298.385,"end":2298.885,"sentiment":"negative","sentiment_score":-0.4480701684951782},{"text":"Yep.","start":2299.745,"end":2300.245,"sentiment":"neutral","sentiment_score":-0.1761711835861206}],"sentiment":"neutral","sentiment_score":-0.1354091919012486,"num_words":63,"start":2259.885,"end":2300.245},{"sentences":[{"text":"It's something that they just most of them aren't touching, and I did find one where it was like, oh, if the fire and rescue was less than 10% of your overall, then they would exclude it.","start":2302.81,"end":2312.33,"sentiment":"neutral","sentiment_score":-0.17800335606207718},{"text":"It'd be fine.","start":2312.33,"end":2313.29,"sentiment":"neutral","sentiment_score":-0.02363718921939532},{"text":"But anything above 10%, no no no dice.","start":2313.29,"end":2317.595,"sentiment":"neutral","sentiment_score":-0.0332302744500339},{"text":"So I had a guy there that was a a paper mill and prison, and his prison occupation thankfully came out to 8%, and I saved him $3.","start":2317.595,"end":2326.895,"sentiment":"neutral","sentiment_score":0.09428400348406285},{"text":"And I was like, thanks for that.","start":2327.035,"end":2328.575,"sentiment":"neutral","sentiment_score":0.25116957298346926}],"sentiment":"neutral","sentiment_score":-0.030418540109846605,"num_words":83,"start":2302.81,"end":2328.575},{"sentences":[{"text":"But, yeah, there's not many options out there.","start":2328.955,"end":2331.93,"sentiment":"neutral","sentiment_score":-0.1314712706953287},{"text":"Look.","start":2331.93,"end":2332.17,"sentiment":"neutral","sentiment_score":-0.1928082704544067},{"text":"I'm sorry.","start":2332.17,"end":2332.57,"sentiment":"neutral","sentiment_score":-0.33215007185935974},{"text":"I tried calling around everybody and arguing the points of fucking months.","start":2332.57,"end":2336.51,"sentiment":"negative","sentiment_score":-0.4888800506790479},{"text":"And all I've been able to sort of come up with is we just trim it down a bit to chop off a few grand.","start":2337.05,"end":2342.27,"sentiment":"neutral","sentiment_score":-0.26504950404167177}],"sentiment":"neutral","sentiment_score":-0.3000349331026276,"num_words":48,"start":2328.955,"end":2342.27},{"sentences":[{"text":"And the moment there's a better option out there, whether it's me or someone else, again, I'll be jumping at it.","start":2342.7449,"end":2349.6448,"sentiment":"neutral","sentiment_score":-0.24668396654583158},{"text":"But until that point, we're gonna have to work with these guys for a little while.","start":2349.785,"end":2353.2449,"sentiment":"neutral","sentiment_score":-0.2779973456636071},{"text":"So yeah.","start":2360.84,"end":2361.32,"sentiment":"neutral","sentiment_score":-0.20063356310129168},{"text":"Well, I've got it coming through because I've done a few quotes where if the income protection that's doing it, like, the license, it's it's less than $2 for the million 1.3 mil.","start":2361.32,"end":2372.675,"sentiment":"negative","sentiment_score":-0.43698872670982825},{"text":"Income protection is what's hitting you to 7,000.","start":2373.6948,"end":2376.035,"sentiment":"negative","sentiment_score":-0.4653013125061989}],"sentiment":"negative","sentiment_score":-0.35215783044695853,"num_words":80,"start":2342.7449,"end":2376.035},{"sentences":[{"text":"Yeah.","start":2387.71,"end":2388.03,"sentiment":"neutral","sentiment_score":-0.03413143754005432},{"text":"So you've got one of the old 75% policy.","start":2388.03,"end":2391.01,"sentiment":"neutral","sentiment_score":-0.047611829514304795},{"text":"Anything new with a different insurer is 70% maximum, so it's not that much different.","start":2391.47,"end":2395.73,"sentiment":"neutral","sentiment_score":-0.06428085739413897},{"text":"But thirty day age 65 is just well, I found one that was a few grand less, but not until the fire is less than 10% of your occupation.","start":2396.7148,"end":2407.4548,"sentiment":"neutral","sentiment_score":-0.09204475902791681},{"text":"And then they said, oh, look.","start":2409.93,"end":2410.97,"sentiment":"neutral","sentiment_score":-0.09289546683430672}],"sentiment":"neutral","sentiment_score":-0.07755869294827183,"num_words":60,"start":2387.71,"end":2410.97},{"sentences":[{"text":"We'll do it if it's above 10%, but you've got to wait thirteen weeks to claim, which is three months.","start":2410.97,"end":2418.59,"sentiment":"neutral","sentiment_score":-0.18078892938792707},{"text":"So the options there are pretty fucking limited because you're on thirty days at the moment.","start":2424.6648,"end":2429.065,"sentiment":"negative","sentiment_score":-0.4035319359973073},{"text":"You're sick for a month.","start":2429.065,"end":2430.025,"sentiment":"negative","sentiment_score":-0.4830767035484314},{"text":"It kicks in.","start":2430.025,"end":2430.825,"sentiment":"negative","sentiment_score":-0.4149784843126933},{"text":"There's a living brain coming out.","start":2430.825,"end":2432.76,"sentiment":"negative","sentiment_score":-0.4960275689760844}],"sentiment":"negative","sentiment_score":-0.334175478965044,"num_words":50,"start":2410.97,"end":2432.76},{"sentences":[{"text":"These guys were like, no.","start":2433.16,"end":2434.04,"sentiment":"neutral","sentiment_score":-0.12802561074495317},{"text":"You have to wait three months for it, which you've got the savings there, maybe.","start":2434.04,"end":2438.3801,"sentiment":"neutral","sentiment_score":-0.09930179980098425},{"text":"But what I'll do is I'm gonna send you three quotes through.","start":2438.6,"end":2443.02,"sentiment":"neutral","sentiment_score":0.036640403365405895},{"text":"Yeah.","start":2447.815,"end":2448.135,"sentiment":"neutral","sentiment_score":0.05608520284295082},{"text":"So what I'm thinking, the only options we've got is I've got a quote here for improving the income through one pass down to five year benefit or two year benefit.","start":2448.135,"end":2457.9148,"sentiment":"neutral","sentiment_score":0.11727412008950787}],"sentiment":"neutral","sentiment_score":0.03127519867598494,"num_words":64,"start":2433.16,"end":2457.9148},{"sentences":[{"text":"That'll trim a few grand off.","start":2458.48,"end":2459.9202,"sentiment":"neutral","sentiment_score":0.09047957509756088},{"text":"I'll send those through here.","start":2459.9202,"end":2461.3,"sentiment":"neutral","sentiment_score":0.09867389798164368},{"text":"The one with Neos, we would basically destroy your income protection with one path and redo it with Neos and have two insurers, but they would do thirteen week wait, two year benefit maximum.","start":2461.76,"end":2475.645,"sentiment":"neutral","sentiment_score":-0.0792291325462215},{"text":"And let me just have a little bit of premiums here.","start":2476.265,"end":2479.245,"sentiment":"neutral","sentiment_score":0.04796849936246872},{"text":"Basically, I'll give you the options.","start":2480.345,"end":2481.545,"sentiment":"neutral","sentiment_score":0.08850972478588422}],"sentiment":"neutral","sentiment_score":-0.00965857619960462,"num_words":62,"start":2458.48,"end":2481.545},{"sentences":[{"text":"You tell me what you wanna go ahead with, but I'll grab up this quote now.","start":2481.545,"end":2485.085,"sentiment":"neutral","sentiment_score":0.07215841906145215},{"text":"So thirteen week wait two year benefit trimmed it down from $7 to $3.","start":2487.42,"end":2493.28,"sentiment":"neutral","sentiment_score":0.03234848779227052},{"text":"But special risk occupation class here.","start":2499.425,"end":2501.985,"sentiment":"neutral","sentiment_score":-0.04036701408525308},{"text":"That's 70%.","start":2501.985,"end":2503.125,"sentiment":"neutral","sentiment_score":-0.017249546945095062},{"text":"The definition's shit.","start":2506.625,"end":2508.0051,"sentiment":"neutral","sentiment_score":-0.04121121888359388}],"sentiment":"neutral","sentiment_score":0.02944094387859833,"num_words":41,"start":2481.545,"end":2508.0051},{"sentences":[{"text":"So Yeah.","start":2508.065,"end":2524.8152,"sentiment":"neutral","sentiment_score":-0.016507022082805634},{"text":"Okay.","start":2524.8152,"end":2525.3152,"sentiment":"neutral","sentiment_score":-0.002469617873430252},{"text":"So we're right.","start":2529.375,"end":2530.895,"sentiment":"neutral","sentiment_score":-0.02347706692914168},{"text":"I'm gonna base it on yeah.","start":2530.895,"end":2539.49,"sentiment":"neutral","sentiment_score":-0.025274048869808514},{"text":"Yep.","start":2539.55,"end":2540.05,"sentiment":"neutral","sentiment_score":-0.038940880447626114}],"sentiment":"neutral","sentiment_score":-0.022807695114841826,"num_words":13,"start":2508.065,"end":2540.05},{"sentences":[{"text":"Yeah.","start":2544.67,"end":2544.99,"sentiment":"neutral","sentiment_score":-0.025081707164645195},{"text":"Right.","start":2544.99,"end":2545.31,"sentiment":"neutral","sentiment_score":-0.01631331816315651},{"text":"So $60, we earn.","start":2545.31,"end":2547.41,"sentiment":"neutral","sentiment_score":0.010657839320629137},{"text":"No.","start":2549.205,"end":2549.685,"sentiment":"neutral","sentiment_score":-0.10931803286075592},{"text":"But how how much is, like, a week or a fortnight or a month would you percentage it for working hours?","start":2549.685,"end":2556.8052,"sentiment":"neutral","sentiment_score":-0.002112151389675481}],"sentiment":"neutral","sentiment_score":-0.005444174288900935,"num_words":28,"start":2544.67,"end":2556.8052},{"sentences":[{"text":"Because the income is $60.","start":2556.8052,"end":2558.405,"sentiment":"neutral","sentiment_score":-0.02751743160188198},{"text":"That's one thing.","start":2558.405,"end":2559.385,"sentiment":"neutral","sentiment_score":-0.038948215544223785},{"text":"Oh, shit.","start":2566.44,"end":2567.0999,"sentiment":"negative","sentiment_score":-0.5615487098693848},{"text":"Okay.","start":2567.16,"end":2567.66,"sentiment":"negative","sentiment_score":-0.37242627143859863},{"text":"Oh, no.","start":2644.69,"end":2645.27,"sentiment":"neutral","sentiment_score":-0.11716773733496666}],"sentiment":"neutral","sentiment_score":-0.15263776696072176,"num_words":13,"start":2556.8052,"end":2645.27},{"sentences":[{"text":"If you can hear me, it's just dropping out.","start":2646.0051,"end":2648.105,"sentiment":"neutral","sentiment_score":-0.14621204717291725},{"text":"Yeah.","start":2648.325,"end":2648.565,"sentiment":"neutral","sentiment_score":-0.04382943734526634},{"text":"I gotcha.","start":2648.565,"end":2649.225,"sentiment":"neutral","sentiment_score":-0.03441440686583519},{"text":"You back?","start":2649.2852,"end":2649.945,"sentiment":"neutral","sentiment_score":-0.033881932497024536},{"text":"Cool.","start":2652.805,"end":2653.125,"sentiment":"neutral","sentiment_score":0.04057034105062485}],"sentiment":"neutral","sentiment_score":-0.09705067997177443,"num_words":15,"start":2646.0051,"end":2653.125},{"sentences":[{"text":"It's reception seem to cut out for a second.","start":2653.125,"end":2655.305,"sentiment":"neutral","sentiment_score":-0.03613406005832884},{"text":"I was just asking about the hours with Matt Arthur.","start":2655.605,"end":2658.0051,"sentiment":"neutral","sentiment_score":-0.009096659068018199},{"text":"What that's alright.","start":2658.0051,"end":2665.74,"sentiment":"neutral","sentiment_score":0.028062549730141956},{"text":"I've got your back.","start":2665.74,"end":2666.8,"sentiment":"neutral","sentiment_score":0.08479928970336914},{"text":"So break it down for me.","start":2668.46,"end":2670.32,"sentiment":"neutral","sentiment_score":0.06326323126753171}],"sentiment":"neutral","sentiment_score":0.012087220762623474,"num_words":32,"start":2653.125,"end":2670.32},{"sentences":[{"text":"What a typical week, fortnight, or month work hours wise between the two, and if I can prove it's less than 10%, I might be able to go with these guys.","start":2671.0251,"end":2679.365,"sentiment":"neutral","sentiment_score":0.03304000571370125},{"text":"Five and four, four and five.","start":2695.215,"end":2697.395,"sentiment":"neutral","sentiment_score":0.03615596859405438},{"text":"Total four nine.","start":2706.655,"end":2707.615,"sentiment":"neutral","sentiment_score":0.005088161987562975},{"text":"Okay.","start":2707.615,"end":2708.115,"sentiment":"neutral","sentiment_score":0.07292061299085617},{"text":"K.","start":2711.6501,"end":2711.9702,"sentiment":"neutral","sentiment_score":0.051346927881240845}],"sentiment":"neutral","sentiment_score":0.0328740003696155,"num_words":42,"start":2671.0251,"end":2711.9702},{"sentences":[{"text":"10 to 15 average of fortnight.","start":2711.9702,"end":2713.83,"sentiment":"neutral","sentiment_score":0.08257059752941132},{"text":"The income's high because that's a $100 an hour.","start":2714.05,"end":2716.29,"sentiment":"neutral","sentiment_score":0.20352259112728965},{"text":"That's fair enough.","start":2716.29,"end":2717.27,"sentiment":"neutral","sentiment_score":0.32306920488675434},{"text":"So five and four, four and five, twelve hour shifts.","start":2718.9302,"end":2722.1501,"sentiment":"neutral","sentiment_score":0.15683993846178054},{"text":"And that's before overtime or after?","start":2722.985,"end":2724.845,"sentiment":"neutral","sentiment_score":0.042845494113862514}],"sentiment":"neutral","sentiment_score":0.1506413785083329,"num_words":34,"start":2711.9702,"end":2724.845},{"sentences":[{"text":"Include?","start":2725.305,"end":2725.805,"sentiment":"neutral","sentiment_score":0.006014891900122166},{"text":"Every time.","start":2735.72,"end":2736.7,"sentiment":"neutral","sentiment_score":0.030230502597987652},{"text":"Yes.","start":2737.96,"end":2738.2,"sentiment":"neutral","sentiment_score":0.06077270209789276},{"text":"Per month.","start":2738.2,"end":2738.92,"sentiment":"neutral","sentiment_score":0.048620570451021194},{"text":"When you do overtime, how many hours do you do for that that shift compared to twelve?","start":2738.92,"end":2743.8198,"sentiment":"neutral","sentiment_score":0.01035769360468668}],"sentiment":"neutral","sentiment_score":0.017416110059813313,"num_words":23,"start":2725.305,"end":2743.8198},{"sentences":[{"text":"Yeah.","start":2749.415,"end":2749.8152,"sentiment":"neutral","sentiment_score":-0.007347319275140762},{"text":"Okay.","start":2749.8152,"end":2750.3152,"sentiment":"neutral","sentiment_score":0.005950501188635826},{"text":"And are there any days where it's above twelve?","start":2751.095,"end":2753.195,"sentiment":"neutral","sentiment_score":-0.018405318467153445},{"text":"Yeah.","start":2755.095,"end":2755.595,"sentiment":"neutral","sentiment_score":-0.017364246770739555},{"text":"Is there any where it's above twelve?","start":2756.215,"end":2757.915,"sentiment":"neutral","sentiment_score":-0.04883479167308126}],"sentiment":"neutral","sentiment_score":-0.027697498567010228,"num_words":19,"start":2749.415,"end":2757.915},{"sentences":[{"text":"Any shifts that'll be below twelve, what what would they be like?","start":2764.23,"end":2767.6099,"sentiment":"neutral","sentiment_score":-0.11707706438998382},{"text":"No.","start":2774.245,"end":2774.405,"sentiment":"neutral","sentiment_score":-0.1737966537475586},{"text":"Okay.","start":2774.405,"end":2774.905,"sentiment":"neutral","sentiment_score":-0.03722281754016876},{"text":"So I'll just do twelve hours on the five and four, four and five, and compare that to 10 to 15 a fortnight average.","start":2775.205,"end":2782.185,"sentiment":"neutral","sentiment_score":0.002607213410859307},{"text":"Yep.","start":2797.315,"end":2797.815,"sentiment":"neutral","sentiment_score":0.012123633176088331}],"sentiment":"neutral","sentiment_score":-0.03951916638284157,"num_words":39,"start":2764.23,"end":2797.815},{"sentences":[{"text":"K.","start":2797.9548,"end":2798.4548,"sentiment":"neutral","sentiment_score":-0.037132807075977325},{"text":"So if you go sixty hours a week average for that, let's say, five five to seven on there.","start":2804.115,"end":2816.95,"sentiment":"neutral","sentiment_score":-0.04904330404181229},{"text":"Okay.","start":2816.95,"end":2817.43,"sentiment":"neutral","sentiment_score":-0.044058628380298615},{"text":"So what I'll do is I'm gonna do a bit of a split.","start":2817.43,"end":2822.335,"sentiment":"neutral","sentiment_score":0.049361179367854044},{"text":"I'm gonna have a look at kicking out the waiting period for your one part policy to 60 or 90 savings and premiums more so than trimming your benefit down from a sixty five to five years or two years.","start":2822.4749,"end":2837.54,"sentiment":"neutral","sentiment_score":0.05774449608288705}],"sentiment":"neutral","sentiment_score":0.026195418416849664,"num_words":74,"start":2797.9548,"end":2837.54},{"sentences":[{"text":"So I would kick that out to six year nine, that's gonna be What I'll do from there is I'm gonna call and see if I can get the fire fire excluded.","start":2837.54,"end":2849.4148,"sentiment":"neutral","sentiment_score":0.0359373310348019},{"text":"I'll base it off just a a couple of $100 for Mount Arthur.","start":2850.115,"end":2854.2148,"sentiment":"neutral","sentiment_score":0.06271395631707631},{"text":"And based on that occasion, if that gives us replacement of all your insurances, I'll let you know.","start":2854.6748,"end":2862.2148,"sentiment":"neutral","sentiment_score":0.08243963950210148},{"text":"If it's just income protection, I'll send you that quote as well just so you've got it.","start":2862.4102,"end":2866.75,"sentiment":"neutral","sentiment_score":0.10053421578863088},{"text":"Cool.","start":2870.33,"end":2870.57,"sentiment":"positive","sentiment_score":0.684023380279541}],"sentiment":"neutral","sentiment_score":0.07212709364147833,"num_words":81,"start":2837.54,"end":2870.57},{"sentences":[{"text":"And for the super investment no.","start":2870.57,"end":2875.145,"sentiment":"positive","sentiment_score":0.519322627534469},{"text":"That's alright.","start":2875.145,"end":2875.785,"sentiment":"neutral","sentiment_score":0.14959990233182907},{"text":"It's good that we've had this conversation if that clears it up for me.","start":2875.785,"end":2878.7449,"sentiment":"positive","sentiment_score":0.4739906851734434},{"text":"Because, like I said, it's been a pain in the ass for when everyone is arguing the point, but now I've got a bit more ammunition.","start":2878.7449,"end":2883.885,"sentiment":"neutral","sentiment_score":-0.08586222406190175},{"text":"For the super, I've already got a portfolio picked out some lower fee investments that'll pick up that and bring the super performance back up.","start":2885.2249,"end":2893.56,"sentiment":"neutral","sentiment_score":0.2755959951877594}],"sentiment":"neutral","sentiment_score":0.2014861262518249,"num_words":73,"start":2870.57,"end":2893.56},{"sentences":[{"text":"But let me just see if I can get these premiums down, and I'll get you on to that account and see if they can help.","start":2893.56,"end":2899.58,"sentiment":"neutral","sentiment_score":0.19298861691584954},{"text":"Yep.","start":2922.71,"end":2923.21,"sentiment":"neutral","sentiment_score":0.05965538322925568},{"text":"Okay.","start":2927.0352,"end":2927.355,"sentiment":"neutral","sentiment_score":0.06638327240943909},{"text":"So what I want you to do okay.","start":2927.355,"end":2934.5752,"sentiment":"neutral","sentiment_score":0.07781960378633812},{"text":"Go on to your myGov and see if it's got any more of that carry forward left over for the last five years, and just shoot me back, like, a a message or an email.","start":2935.0352,"end":2945.16,"sentiment":"neutral","sentiment_score":-0.015312438511422702}],"sentiment":"neutral","sentiment_score":0.07366710109636188,"num_words":71,"start":2893.56,"end":2945.16},{"sentences":[{"text":"If not oh, no.","start":2947.2998,"end":2952.8398,"sentiment":"neutral","sentiment_score":-0.18478065077215433},{"text":"Bugger.","start":2961.2651,"end":2961.745,"sentiment":"neutral","sentiment_score":-0.17310374975204468},{"text":"Okay.","start":2961.745,"end":2962.245,"sentiment":"neutral","sentiment_score":-0.14983278512954712},{"text":"So have you tried calling the ATL and just, like, maybe I mean, the login is one thing, but you could always ask them, hey.","start":2973.28,"end":2979.815,"sentiment":"neutral","sentiment_score":-0.10228433549404144},{"text":"Look.","start":2979.815,"end":2980.055,"sentiment":"neutral","sentiment_score":-0.10024788975715636}],"sentiment":"neutral","sentiment_score":-0.11623173172120005,"num_words":32,"start":2947.2998,"end":2980.055},{"sentences":[{"text":"I can't get into the myGov.","start":2980.055,"end":2981.335,"sentiment":"neutral","sentiment_score":-0.14646661778291067},{"text":"Can you tell me what the hell my carry forward is and see if they can tell you?","start":2981.335,"end":2985.355,"sentiment":"neutral","sentiment_score":-0.11234289035201073},{"text":"So I'll send you an email with how to get Yep.","start":2988.6948,"end":3091.18,"sentiment":"neutral","sentiment_score":-0.006698767908594825},{"text":"Gotcha, Kane.","start":3091.24,"end":3092.22,"sentiment":"neutral","sentiment_score":-0.22481390833854675},{"text":"That's alright.","start":3097.0,"end":3097.74,"sentiment":"neutral","sentiment_score":-0.12788980081677437}],"sentiment":"neutral","sentiment_score":-0.09436065636766262,"num_words":39,"start":2980.055,"end":3097.74},{"sentences":[{"text":"Last thing I wanted to say, so just quick recap, is I'll do the the account referral.","start":3097.8,"end":3103.395,"sentiment":"neutral","sentiment_score":-0.03051957452450605},{"text":"We'll look at the property stuff down the line when you get a chance to look at that.","start":3103.775,"end":3108.4949,"sentiment":"neutral","sentiment_score":0.005506792590798189},{"text":"Sort the insurances, sort the super, and then I've just gotta check what to do with your contributions after after you get the checks.","start":3108.4949,"end":3115.635,"sentiment":"neutral","sentiment_score":0.043851423698167004},{"text":"Cool.","start":3117.56,"end":3117.96,"sentiment":"positive","sentiment_score":0.4761752486228943},{"text":"Anything else I could do for you?","start":3117.96,"end":3119.58,"sentiment":"neutral","sentiment_score":0.26728785250868115}],"sentiment":"neutral","sentiment_score":0.04447632663667814,"num_words":67,"start":3097.8,"end":3119.58},{"sentences":[{"text":"Well yep.","start":3138.855,"end":3146.3374,"sentiment":"neutral","sentiment_score":-0.261894591152668},{"text":"And it's logged in.","start":3153.605,"end":3154.825,"sentiment":"neutral","sentiment_score":-0.2965312525629997},{"text":"Yeah.","start":3170.74,"end":3171.2202,"sentiment":"neutral","sentiment_score":-0.2719249129295349},{"text":"And that's what it is.","start":3171.2202,"end":3172.1,"sentiment":"neutral","sentiment_score":-0.3091276228427887},{"text":"It's like market slowed down on a couple of the investments.","start":3172.1,"end":3174.9202,"sentiment":"negative","sentiment_score":-0.473531728441065}],"sentiment":"negative","sentiment_score":-0.37984027098054474,"num_words":23,"start":3138.855,"end":3174.9202},{"sentences":[{"text":"Premiums came out, and it just slowed it right down.","start":3175.1401,"end":3177.7202,"sentiment":"neutral","sentiment_score":-0.30163726061582563},{"text":"One one thing I wanted to run by you, the mortgage, are you using an offset account?","start":3179.055,"end":3183.395,"sentiment":"neutral","sentiment_score":-0.023846175302477443},{"text":"Okay.","start":3207.965,"end":3208.465,"sentiment":"neutral","sentiment_score":0.027166208252310753},{"text":"So what I was thinking is your bank.","start":3211.2449,"end":3216.6401,"sentiment":"neutral","sentiment_score":-0.058767759473994374},{"text":"How much you got owing on it?","start":3218.3,"end":3220.0,"sentiment":"neutral","sentiment_score":-0.048930831253528595}],"sentiment":"neutral","sentiment_score":-0.09784300633987715,"num_words":43,"start":3175.1401,"end":3220.0},{"sentences":[{"text":"Okay.","start":3244.4902,"end":3244.9902,"sentiment":"neutral","sentiment_score":-0.006439734250307083},{"text":"Okay.","start":3248.6501,"end":3249.1501,"sentiment":"neutral","sentiment_score":0.042849477380514145},{"text":"I'll put 500.","start":3249.2102,"end":3250.4302,"sentiment":"neutral","sentiment_score":0.041013266891241074},{"text":"One of the things that I do with the mining guys a lot with the big income is I get them to pull the cash into the offset account for the year and then do the one off contribution in June.","start":3250.7302,"end":3262.075,"sentiment":"neutral","sentiment_score":0.16424911214811047},{"text":"And that way you can sort of double dip the interest in the tax savings.","start":3262.135,"end":3265.8499,"sentiment":"neutral","sentiment_score":0.0478269840280215}],"sentiment":"neutral","sentiment_score":0.12477160495568494,"num_words":61,"start":3244.4902,"end":3265.8499},{"sentences":[{"text":"Yeah.","start":3277.605,"end":3278.105,"sentiment":"neutral","sentiment_score":0.26952990889549255},{"text":"No.","start":3280.085,"end":3280.245,"sentiment":"neutral","sentiment_score":-0.023263052105903625},{"text":"That's fine.","start":3280.245,"end":3281.065,"sentiment":"neutral","sentiment_score":0.1587040275335312},{"text":"Yeah.","start":3296.9,"end":3297.4,"sentiment":"neutral","sentiment_score":-0.1034453511238098},{"text":"Well, what you basically wanna do yeah.","start":3305.395,"end":3312.115,"sentiment":"neutral","sentiment_score":-0.0012967815356595175}],"sentiment":"neutral","sentiment_score":0.03759600749860207,"num_words":12,"start":3277.605,"end":3312.115},{"sentences":[{"text":"Well, let let's say you you skip forward to 2030.","start":3312.115,"end":3315.17,"sentiment":"neutral","sentiment_score":0.03347783628851175},{"text":"Right?","start":3315.17,"end":3315.57,"sentiment":"neutral","sentiment_score":0.028022240847349167},{"text":"Let's say you you're off Manhass and you're just on that $60.","start":3315.57,"end":3320.45,"sentiment":"neutral","sentiment_score":0.05278731882572174},{"text":"Well, then you've got a much bigger buffer to use the lower tax brackets for the sale of the investment and possible offsets after that.","start":3320.45,"end":3328.9548,"sentiment":"neutral","sentiment_score":0.15281437188386918},{"text":"So it might be a bit of a timing down the line.","start":3329.095,"end":3331.4348,"sentiment":"neutral","sentiment_score":0.04279640487705668}],"sentiment":"neutral","sentiment_score":0.08883607642104228,"num_words":60,"start":3312.115,"end":3331.4348},{"sentences":[{"text":"Line it up when the income goes down to kind of live off it.","start":3331.655,"end":3334.9548,"sentiment":"neutral","sentiment_score":0.007642198354005814},{"text":"Gotcha.","start":3352.165,"end":3352.665,"sentiment":"neutral","sentiment_score":-0.17816162109375},{"text":"Yeah.","start":3370.34,"end":3370.84,"sentiment":"neutral","sentiment_score":-0.13151055574417114},{"text":"It might be a small thing to do now.","start":3371.54,"end":3373.8,"sentiment":"negative","sentiment_score":-0.42238392101393807},{"text":"Yeah.","start":3385.475,"end":3385.875,"sentiment":"neutral","sentiment_score":-0.1466928273439407}],"sentiment":"neutral","sentiment_score":-0.15964728909043166,"num_words":26,"start":3331.655,"end":3385.875},{"sentences":[{"text":"I get you.","start":3385.875,"end":3386.58,"sentiment":"neutral","sentiment_score":-0.13487112273772559},{"text":"So it might be knock that off now and then leave the biggest stuff to the five year mark.","start":3386.6602,"end":3391.08,"sentiment":"neutral","sentiment_score":-0.20235155914959155},{"text":"K.","start":3425.745,"end":3426.245,"sentiment":"neutral","sentiment_score":-0.21392327547073364},{"text":"Jeez.","start":3448.595,"end":3449.095,"sentiment":"neutral","sentiment_score":-0.2890399098396301},{"text":"But we're gonna have to end up going to Cayman Islands at some point or The UAE.","start":3449.635,"end":3453.255,"sentiment":"neutral","sentiment_score":-0.2962719780557296}],"sentiment":"neutral","sentiment_score":-0.23875316595885812,"num_words":41,"start":3385.875,"end":3453.255},{"sentences":[{"text":"I don't know.","start":3457.875,"end":3458.275,"sentiment":"neutral","sentiment_score":-0.1928165207306544},{"text":"I have to talk to a couple of international advisers and see if we start going to different tax jurisdictions.","start":3458.275,"end":3463.97,"sentiment":"negative","sentiment_score":-0.3465520218014717},{"text":"Maybe that's something down the line to think about.","start":3464.11,"end":3466.21,"sentiment":"neutral","sentiment_score":-0.2983120812310113},{"text":"Yeah.","start":3473.55,"end":3473.87,"sentiment":"neutral","sentiment_score":-0.28975144028663635},{"text":"That's probably the way things are gonna go.","start":3473.87,"end":3475.55,"sentiment":"negative","sentiment_score":-0.3928906135261059}],"sentiment":"neutral","sentiment_score":-0.3323701238486825,"num_words":41,"start":3457.875,"end":3475.55},{"sentences":[{"text":"People are gonna start just trying to exit in their funds to other countries.","start":3475.55,"end":3479.265,"sentiment":"negative","sentiment_score":-0.36354673547404154},{"text":"You know?","start":3482.285,"end":3482.945,"sentiment":"neutral","sentiment_score":-0.13494744151830673},{"text":"Yeah.","start":3497.98,"end":3498.46,"sentiment":"neutral","sentiment_score":-0.1153838038444519},{"text":"Yeah.","start":3498.46,"end":3498.7798,"sentiment":"neutral","sentiment_score":-0.14875328540802002},{"text":"It seems to be all the doors are closing one by one.","start":3498.7798,"end":3501.5198,"sentiment":"negative","sentiment_score":-0.34738414237896603}],"sentiment":"neutral","sentiment_score":-0.3264098659157753,"num_words":30,"start":3475.55,"end":3501.5198},{"sentences":[{"text":"It's been a pretty sad ten years to watch every new budget comes out as another thing closed.","start":3501.9,"end":3506.725,"sentiment":"negative","sentiment_score":-0.4090330832534366},{"text":"That's exactly what I said to the team last week.","start":3517.76,"end":3520.5,"sentiment":"neutral","sentiment_score":-0.2388078197836876},{"text":"They don't actually know anything economically or That's it.","start":3520.88,"end":3539.385,"sentiment":"negative","sentiment_score":-0.43821539150344},{"text":"You know, they just write the legislation for the lobbying groups.","start":3539.385,"end":3542.045,"sentiment":"negative","sentiment_score":-0.4766686098142104},{"text":"Yeah.","start":3559.2751,"end":3559.7751,"sentiment":"negative","sentiment_score":-0.442941278219223}],"sentiment":"negative","sentiment_score":-0.39552873890010676,"num_words":49,"start":3501.9,"end":3559.7751},{"sentences":[{"text":"Yep.","start":3568.49,"end":3568.97,"sentiment":"neutral","sentiment_score":0.02060060203075409},{"text":"Yep.","start":3568.97,"end":3569.47,"sentiment":"neutral","sentiment_score":0.012987345457077026},{"text":"Well, I can't get into the politics at work, but, yeah, I can't say I disagree with you.","start":3570.09,"end":3574.59,"sentiment":"neutral","sentiment_score":-0.18365415765179527},{"text":"Alright.","start":3583.0652,"end":3583.3052,"sentiment":"neutral","sentiment_score":-0.031842462718486786},{"text":"Still got you there.","start":3583.3052,"end":3584.445,"sentiment":"neutral","sentiment_score":0.0007634973153471951}],"sentiment":"neutral","sentiment_score":-0.13203901454806327,"num_words":25,"start":3568.49,"end":3584.445},{"sentences":[{"text":"Well, we'll do the best we can with the options we got while we're here, and we're gonna come to people make right.","start":3610.535,"end":3624.0999,"sentiment":"neutral","sentiment_score":0.01839670085388681},{"text":"Can I if you can still hear me, I'm still getting a bit of a cutout, so I might have to leave it there if that's alright?","start":3624.0999,"end":3628.68,"sentiment":"neutral","sentiment_score":-0.16960137640988385},{"text":"Cool.","start":3631.715,"end":3631.955,"sentiment":"neutral","sentiment_score":0.23334461450576785},{"text":"Cool.","start":3631.955,"end":3632.455,"sentiment":"neutral","sentiment_score":0.26142391562461853},{"text":"So I've got everything noted down for what we're gonna do.","start":3632.915,"end":3635.735,"sentiment":"neutral","sentiment_score":0.20271832834590564}],"sentiment":"neutral","sentiment_score":-0.0227213158967003,"num_words":63,"start":3610.535,"end":3635.735},{"sentences":[{"text":"I'm gonna endeavor to try and sort this out over the couple of weeks and get you booked in to run through it with you.","start":3636.195,"end":3642.7751,"sentiment":"neutral","sentiment_score":0.20303892374038696},{"text":"Just keep an ear out for those two emails if that's alright.","start":3644.1802,"end":3648.6802,"sentiment":"neutral","sentiment_score":0.10630531050264835},{"text":"Yeah.","start":3651.3801,"end":3651.62,"sentiment":"neutral","sentiment_score":0.05998382717370987},{"text":"Yep.","start":3651.62,"end":3652.12,"sentiment":"neutral","sentiment_score":0.08906366676092148},{"text":"Let me just have a look at what I got on this.","start":3654.1,"end":3656.76,"sentiment":"neutral","sentiment_score":0.11465392292787631}],"sentiment":"neutral","sentiment_score":0.1544417919335412,"num_words":51,"start":3636.195,"end":3656.76},{"sentences":[{"text":"Yeah.","start":3659.7852,"end":3660.0251,"sentiment":"neutral","sentiment_score":0.25237637758255005},{"text":"I should be able to get them to you tonight.","start":3660.0251,"end":3661.5652,"sentiment":"neutral","sentiment_score":0.3277066320180893},{"text":"My last one's at 05:30, and then I'll pretty much email you straight away after that.","start":3662.105,"end":3667.885,"sentiment":"neutral","sentiment_score":0.2014047815464437},{"text":"Well, it's been a pleasure, and I do appreciate you taking the time to talk it through with me again, mate.","start":3676.5999,"end":3681.8,"sentiment":"positive","sentiment_score":0.762399020649138},{"text":"But leave it with me, and proof will be in the pudding when I show you the plan.","start":3681.8,"end":3686.155,"sentiment":"positive","sentiment_score":0.3812382419904073}],"sentiment":"positive","sentiment_score":0.44885737866614805,"num_words":66,"start":3659.7852,"end":3686.155},{"sentences":[{"text":"Awesome.","start":3690.135,"end":3690.5352,"sentiment":"positive","sentiment_score":0.7735077142715454},{"text":"Have a great day, Kane.","start":3690.5352,"end":3691.415,"sentiment":"positive","sentiment_score":0.7607160449028015},{"text":"Cheers.","start":3691.415,"end":3691.915,"sentiment":"positive","sentiment_score":0.6175748109817505}],"sentiment":"positive","sentiment_score":0.7420946785381862,"num_words":7,"start":3690.135,"end":3691.915}]}}]},{"alternatives":[{"transcript":"Hi, Tommy. I have Kane McDonald on the phone for you. Yeah. Awesome. Also, I don't know why that message is still pending. I just went and had a look myself. I can't figure it out. Lovely. Alrighty. I'll send it through. Thank you. Have fun. Yes. I can. Yeah. No. I I got your text message, and I was and I was ready to take the phone call, but the phone didn't bloody ring, and I just it just came through as a voice mail. And I'm like, oh, I don't know what's going on my fucking phone, but yes. No. No. No. No problem. I've you know, I was ready to take the call. I did. Yes. Yep. Yeah. Oh, as long as you need, I guess. Like, I'm I'm I'm at work, but I'm just on a a fire station standby out west. So, you know, there's nothing happening at the moment. So I can as long as you need me, mate, I'm standing out and out out the front of this fire station in the nice sun, so it's really nice. So yeah. Well, now it's it's got it was freezing here this morning. It was probably one degree this morning, but, you know, sun's out now, and it should get to about 21 degrees, so it should be nice. Yeah. It's fine. Yeah. I know. Well, like, when I first signed up with Oakview, they were down around at least half that, and they've just absolutely exploded, and nothing's changed in my life. You know, I I haven't had any hospital visits, like, nothing. And just the premiums are just going through the roof. I I expected they've just thought I would just fucking drive them up, and they won't say anything. Well, you know, my earnings in my superannuation the last almost twelve months have it's done nothing. And I've been piling money in the for the for the last couple of years into my super, and it and it was performing. And then this year, it's just done it's done absolutely cool. And then the the amount amount amount I'm absolutely. Like and and, yeah, it's it's just not happening. And and and I'm it's a bit it's a bit concerning for me because, you know, when I jumped over to a hub 24, I was, you know, certainly sold all the bells and whistles about how my super is gonna perform, and this year, it's done nothing. Just dog shit. No. Yeah. Like, Oh, no. You keep going. Like, well, you know, I was I was gonna talk to you as well because I'm in a pretty good financial position at the moment. I'm making very, very good money, but I'm also come tax time, I'm trying to buy I wanna buy another house. I wanna buy, you know, I wanna sort of try and try and reduce some of this income tax that I'm paying because I'm earning I'm earning in excess of of about $2.70 to $280 a year in my two jobs. And I wanna buy I wanna buy a property to try and, you know, try and minimize some of the tax that I pay and, you know, enjoy some of those tax concessions that are still available to you. But, you know and also, I was gonna talk to about upping what I'm contributing as far as my super as well to try and reduce some of that tax I'm paying, like, pre like, pre pre tax contributions and that, which I'll you know, I'm doing $2.50, but I was thinking about upping it to about $400. Yeah. And then they they charge me they charge me $770 or something that I had to pay out of my super. I'm like, I thought I thought you had you have the ability ability to backtrack your super five years because they in the last five years, there's a couple of years that I haven't made the the concession up to the concessional cap. I thought you could you could dilute that in your last five years. But, you know, they wanted 770 out of me because I'd I'd I'd earned too much and put too much in me super or something. And I thought, let me suck this. I I want that back. I I want that back. Yeah. Righto. Yeah. Yes. I do. Yeah. It's fucking grubs. And like, I'm I'm I'm doing a standby for fire and rescue here today with a couple of promos, and one of them one of them is pretty high on these on these concessions and and and accounting sort of weighs around around your fire and rescue. He said, next time next time you go to your your account, and he said, claim 50% of your tax or 47% after your Medicare levy or whatever it is, 47% of your tax that you've paid into fire and rescue because you there shouldn't be an issue with you claiming, you know, nearly 50% of that back. Apparently, there's something in. Yes. That's what I mean. Yeah. And I don't I don't I don't I don't think my accountant is up to speed on a lot of them because it's it's a lot to do. There's a lot to do with, yeah, concession as far as, like, your mail allowances and your travel and all that kind of shit because I do a lot of travel with Fire and Rescue. And I I I think I'm I I think the the tax office are just absolutely burning me at the moment. I don't think my accountant's up to speed with a lot of it. Well, I've actually I've actually been doing logbook this year because I I don't I don't need logbook with Fire and Rescue because fire and rescue have a digital system that logs every kilometer that I do when I go and do and do relief kilometers with fire and rescue. So I can I can immediately pull that up from from each year back to the last five or seven years or whatever on our system? I can I can pull those sheets straight up, and it's gives every kilometer I've driven for fire and rescue? It's on our on our his name's Kieran Moore. He's in Maitland. He's he he's pretty good with, like, the the business side of accounting and that type of thing, but I don't think he's too good with his government concessions and that that I have being a a first responder emergency worker. And, you know, the last couple of years, I've I've I've had to pay back $5.5 tax. Last year, I got $1,100 tax bill, had that $700, $770 I had to pay back for me super. Like, it's fucking bullshit. And plus the the amount of tax that I pay through my income, you know, I'm just getting absolutely railroaded over here. Abs abs absolutely, mate. Absolutely. Yeah. I I think I need to. And I also gonna get this check this this fellow in fire and rescue that that's up to he's a permo, and he's up to all the concessional cap concessional little loopholes in that that we can use as first responders in our tax system. He's he does cheat sheets up and that I might hit him up because he was just talking about it about half an year ago. And he said, make sure you tell your accountant you claim you wanna claim, what, 50% or or after your Medicare levy, 47% of your tax that you've paid in foreign rescue. You claim that back. I'm like, really? He's like, yeah. 100%. You're allowed to. Doesn't matter what you've earned outside your job and all that, whether it's retained or permanent, you can. I'm like, well, fucking hell. What's my account doing? I'm just getting railroaded. Yeah. I know. Yeah. And and, like, even even, like, last couple of years, like, I've bought, you know, any in excess of 5 to $7,000 worth of tools for myself because I'm, you know, I'm setting myself up. I'm gonna start doing and I'm gonna do it on the books once me and Arthur shops. I'm gonna start I'm gonna start going and doing automotive and commercial air conditioning. You know? And I'm buying I've bought a heap of tools and stuff like that. And and I thought that would have done a a decent amount of of deductions on my tax, and I'm still paying tax. I'm still fucking paying tax tax time. It's a fucking joke. I'm fucking over it. And I mean, you're getting you're getting nothing back for your for your money with this government. It just come full of shit. Yeah. Yeah. That's it. Yep. And then they can't fix the road that you fucking drive on, and then the cops come out and are trying to nail everyone. It's like, why don't the council get fined because the roads are not fit for us to be fucking driving on? It's a fucking joke. Well, yeah, I have. And I'm like, fuck. I've left me run too late. Because it it's not like I'm I'm try I wanna buy I wanna buy another property, like but, you know, my my house that I own at Aberdeen, I've turned it into a six bedroom house. And off the books, I'm renting some rooms out and making some nice cash on the side unbeknownst to anyone. But I've been told by when if if I I do move because I don't wanna buy I don't wanna I I don't need to live in a six bedroom house. It's a beautiful big house, but I'm gonna rent it out one day and buy a property somewhere else. But it's gonna be positively geared because I'm gonna get about he could get people in there for a thousand bucks a week rent. He's got people with big families that just cannot get a big enough place in the Upper Hunter that work in the Hunter Valley and the coal mines and that that and and, you know, other other industries that are up here. You know, I could get a thousand bucks a week rent for my six bedroom house, and it's got, you know, it's got a massive solar system. It's got batteries. It's got roller shutters. Huge fucking huge facilities in the house. And, you know, it's I I paid $4.95 for it in 2018, and and I it's been valued at 1.1. Yep. Oh, mate. Even if it's a thousand bucks a week rent, you know, I'm still that'll be positive geared 100%. I'll be paying tax on it. I won't be able to claim much. I mean, you can still claim back, but, you know, I've just gotta start. I've got this you know, with this amount of income that I've got coming in and I will have for the next four or five years while Mount Arthur stays open, you know, it's just ridiculous, and I'm sick of paying so much fucking tax. Yes. I know. No. Yep. Yeah. Absolutely. Yeah. Yeah. It's 100%. And, you know, they need someone to fucking fork out for the over 51% of our population in Australia are on some sort of welfare. Oh, yeah. I'm up with the numbers on it. Absolutely. Yeah. And and look what look what's happening with the look what's happening with the NDIS. It's exactly what's happening over in America with the same shit. You go down to Lakemba Lakemba in Sydney, and there's a fucking there's a a childcare slash NDIS center slash disabled fucking center, you know, next door to one another, next door, next door. Like, they're all fucking loaded up in Sydney. And they've the fuckers do no business, but yet they're getting all these fucking concessions off the government. It's a fucking joke. Yeah. And they're getting two two and $0.5 a week rent. Yeah. Absolutely. And you've got and you've got that especially the NDIS up in Queensland is a lot more is a lot more better is a lot more lucrative and I think a bit more generous than the the New South Wales one is. And that's why all these I see all these all these, you know, positive income houses for sale because I I I follow a few pages of of of mobs that are building these houses up in Yupoon and all that. And I was always thinking I'd like to jump on board with one of them, and they they they they deal mainly in those NDIS houses. And the amount of rent they get out of them a week is just insane. Like, how the fuck how the fuck do I get on to one of them? Really? Oh, really? Yeah. Right. Okay. Yeah. You weren't in the purple do a do a little purple circle. See, and I was I was interested in talking to you to you about setting up a self managed super fund for me because of what my super was doing this year. But now that the the government brought in all their fucking legislation around that, there's no point. Because I've been I I'm being heavily into leveraging crypto and also and also The US stock market in the last twelve months. I've got a lot of unrealized fucking gains from the in the last twelve months. Like, I'm I'm I'm leveraging crypto at the moment with a crypto group that I'm a part of. I'm making $3,000 US a day on it. Yes. Yep. Yeah. Because you can you can spread it across yeah. So that it can be diluted across a number of your investments. It's not just in that sector. Can it be diluted across so that it can lessen your lessen your fucking obligation or your liabilities? Yeah. Yeah. Right. Okay. Yeah. Well, absolutely. That's what I wanna do. And I've because I've I was aware of that, and I needed to speak to someone about it just so that I'm a 100% on the level as to my understanding of it. But, like, I have no interest in I'm I'm putting I'm putting my own my a lot of my own capital into into this crypto and use US stocks venture that I've been involved in the last twelve months. And I have no in no no unless, you know, unless I absolutely suck my finances up somehow, and then I have to pull money out that we live off, this is this is gonna be you know, this is like a five year plan so that when me and Arthur shuts in 2030, I can I can taper off on the hours? I could just go go and do fire and rescue full time or, you know, I can I can then live my life where I don't have to fucking do this shift work anymore to pay off my mortgages and get you know, I I I wanna do that? And that's why I don't want to I'm glad these clowns never got this unrealized gain tax in because at the moment, that would kill that would have fucking destroyed me. Because I I'm I'm doing I'm doing so well. It's not funny. Like, it's fucking insane. Well, trying to you know, I'm well, I I've been trying to do it as soon as possible. Like, I wanna buy some land back down closer to Maitland where my kids are, but I can still get to work. But, you know, if I leave Aberdeen Fire and Rescue, like, the standby money that I get from Fire and Rescue doing these standbys across the across the the Greater Hunter and and even I come at Wares Creek today, which is in the Tamworth area. You know, the money is unbelievable. And where I am at Aberdeen at the moment, I am situated in such a lucrative spot. It's I you know, it's it's hard to I'm I'm having I'm having a bit of anxiety actually thinking about it, but I would like even if even if even if I don't buy a place that I wanna move into, you know, buying somewhere even if I buy a smaller place in town and rent the place out at Aberdeen and make that big money with the rent and stay in Aberdeen, yeah, I I I wanna do it because my house is just too big for me. You know, I've got a couple of people staying there. I'm getting $220 a week cash out of them. But, you know, at that that cash economy, I'm glad they never fucked that off. But yeah. Okay. Well, give Albo a chance, mate. He he wants us to own nothing and be happy. But oh, yeah. Yeah. Right. Yeah. Okay. Yeah. Yeah. No. I get that. Okay. I do have a couple of really good contacts in let me contact Dan's real estate in Skane. He's really good. He's gonna property manage my house when eventually I decide to do it because he's he's up to speed on what I wanna do. And I've got a fellow that owns a heap of property and, you know, leases out all these apartments down in Newcastle and that. He's got his finger in the pie on the pulse really all the time with what's going on. And I'm always asking him for hints and tips. And he said to me, he said, if you wanna buy a place, just just tell me and I will find something that you want for you. And he won't even charge me. He's pretty good. He's a family friend. Yeah. See, I've got a bit I've got a little bit of personal debt I'm trying to wipe out, and that's what I'm thinking about using this crypto strategy to pull a bit pull money straight out and just demolish that little bit of personal debt that I've got just to smash that away. I have a loan. I had a I got a loan. I had a I had a bad I had a bad breakup relationship breakdown, and I I pay I had to pay her out. And I'm in the hole at the moment on that one about I think I owe about $40. Yeah. I'm just I I've got them literally, in in my in my crypto and and stocks thing at the moment, I've got more than enough money to pay it out, but I wanna figure out a way to do it so I don't I can pull money out of that and not pay fucking tax because I'm paying off debt. Yeah. I know. It's fucked. Yep. Well, this is what this is what Omar has been talking to me talking to me today about, you know, coming up with a couple of companies and doing it through that. Yes. Yeah. Yes. I do. Yeah. Yeah. Well, that's that's where a lot of that capital's come from. I I I I yeah. Exactly. So I didn't go out and spend it. Some of that money I should've used to pay off the debt, but I wanted to invest it instead. That was a bit stupid, but I'm almost at a position where I can just go bang, get rid of that, and then I'm in a better spot. But, yeah, I ended up my I ended up well, I started on consignment, and I still have and I I still have about a 150, maybe 200 depends on who you talk to. About two nearly $200 worth of Pokemon cards there still, and they're going up every day. Like, I've got one box there that's worth $15,000 just on its own. And and that's I've actually when I when I when I gave them to all my like, I I've been helping him out with his business. I've been going and some of the money that I have that I had, I went and bought a couple of collections of people at really good prices and then sold gave them to on sale through him through his business in Sydney. But I ended up making about $250 out of that out of that transaction. And I probably and I only probably outlaid a $100,000 total over the last probably ten years that I I built that collection. Oh, and and I just I I didn't see it coming, and I I was into it well before this, and I just could not believe that I somehow magically, you know, was already heavily invested into that into into the Pokemon cards because it is just nuts. And it's just going. And and and as far and as long as as long as we keep having kids, mate, Pokemon is not going anywhere. It's a it's per Pokemon internationally is worth more than Disney. It's the number one entertainment company out there, Pokemon and Nintendo. It's worth more than Disney's second on the list. So and I just could not believe I I couldn't believe yeah. I just couldn't believe because that shit doesn't happen to me. But I think under these these new investments and assets, I can mean things that the government's bringing out. I'm probably lucky I sold it when I did because if I tried to sell it in the future, I'd have been fucked. Oh, that will clean me out. You know, because Yes. I was actually looking at it this morning because I had to I've been waking up because the blokes that I'm dealing with are in The US. And it's and and and it's on it's in a complete completely legit I've done me homework through contacts that I have in the industry. It's on it's on a completely legit globalized platform that I do it on. These blokes are legit because I know there's been a lot of scamming going on with the stock markets. And I I've actually lost a bit on The US stock market to some bad advice, but you live and you learn. And I had plenty of fucking plenty of backup to get out of that. I mean, it happens. I learn a lot from it. But as it states today, probably, if I was to sell it all today, I could probably pull a $160 out of it. And that's and that that that that that was that was from about probably I don't know. I probably started with about $50,000 Australian, and that's sorry. That's a 160,000 US. That's what that's that's what I mean. I'm staying away from the Australian stock market. They're too slow. The US stock market's got that good volatility that, you know, that you're you're looking for, especially if you're buying in volume. And then, you know, if you understand crypto leveraging, you know, I'm making really, really good money on that every day because they're ten, fifteen minute trades because I'm longing and shorting crypto against Bitcoin. But like like this this morning, on my way to the standby today, I sold. We made a we made a we made a investment. We made a trade at it was about 5AM. 6AM, I I made the investment. And by 7AM, I was given a to close close that close that order immediately, and I made 3,000 US dollars just in one day. And and the night the night the night before, I made a thousand US. So it's just getting better and better. Like, these blokes are just they're just on the on money. Like, I've I've signed a a a a contract with them. It's all legit. I share with them 10% of the earnings at the end of three months. The profit we only only pay 10% of my profit to them, and, you know, I'm learning all about crypto leveraging in US stocks and how to read the stock market. I hope so. Yeah. Absolutely. Yeah. Yeah. So I mean, well, my answer my answer was shot well, in four years. Sorry. So it was four years. It shuts on the it was gonna shut on the June 2030. Yeah. And so they're gonna they're gonna they're gonna pay us out our redundancies on the July 1. Absolute absolutely. Well yeah. Like yes. Absolutely. And, you know, with the income that I'm getting at the moment, it's just I I wanna buy I'm I'm because I wanna be a self funded retiree. Like, my mom and my dad are, and they're they're well, my mom's having fun. My dad's just a miserable old cunt. But, you know, they're self sufficient. You know, they made they made bank on on on investment, not property investing, and when negative gearing was was was the go back in the late nineties and early thousands. But, you know, they made their fortune on that, and they're self funded retirees. And I want that for myself. Yeah. Well. Well. 100%. And that's the way it should be. Yeah. Well, I've never got a handout in my life. Like, you know, I'm a I'm through my mom's side, I'm a descendant, but we've never had a handout in our life. Like, you know, my parents taught me that anything you want in your life, you gotta work your fucking ass out for. And that's that's exactly what I've done. I'm trying to teach my kids the same. Well well, Chloe, yes. She's she's she's only in year 10. Well, she was in year nine, actually. She got her first job. She got her first job, and she works at KFC at Green Hills. Soon as she could work, she just wanted to go and get a job. Yeah. So she's she's she's definitely taken a leaf out of my book. That's for sure, which is good. But I told her, I said, Chloe, don't ever have your fucking hand out. If you want something, you work for it. Then you can say that you never leaned on anyone for it. Absolutely. Alright. Absolutely. And and and, of course, like, when I go, whenever that is down the track, I still wanna have something there to give give the kids so they can spread it out and make everyone's lives easier in the in the family. Yeah. Well oh, absolutely. And and I I need to I need to be filled in on that information by the right people, because I'm trying to do that. Yep. Yes. Yes. Absolutely. Yeah. That'd be cool. But yeah. So what are you gonna just look at my super as far as what what those life insurances can do? And because, yeah, I I just the $1,010,010 thousand dollars annually, that's just insane. Considering what I what what I was what I was paying for it only a couple of years ago, it's doubled. Yeah. Why is mine going up so high? Well, that's that's fucking whoever whoever that that's one path. They're they're fucked in the head. Yes. And they've taken it taken the liberty the the liberty of all things that they can only come with us. We're just gonna overinflate his fucking insurance premiums. Yeah. See, I just I just can't believe that they're really the only the only insurance companies that you know, we've got a large amount of people in in New South Wales, especially, that are in fire and rescue and that are in coal mining. Like, it's fucking bullshit. Yeah. Right on. Yeah. Right. Yep. Yeah. Fair enough. Well, we need to I need to have a chat with them and see if they can bump it down because it's bullshit. It's fucking that's fucking disgraceful. Yeah. Right. I saw and and and what's what what is the what is the stipulations around that that income protection? Is it what? 75%, 8080%? What is it? Right. Yeah. But what what are they what are they charging people? Alright. Yeah. Okay. Yeah. Okay. Alright. I I could I could flight I could flight me on I could flight me on boats six months if needed. Mhmm. Yeah. Okay. Yeah. Well, Get on that. Is that 70% 70 percent or 70 yeah. Okay. Let's see. Fire fire and rest fire and rest fire and rescue, like, if I didn't if if I didn't have to pull an income out of fire and rescue, I'd be covered by fire and rescue for me is only just, like, cream on the top. Really? I could survive without it. But what because well, so what's what's what's the what's the what's the 10%? What's that asking about? How much time I give to Fire and Rescue? Or because it's only a part time job. It's I'm only on call. It's not like I turn up the fire a station every day. Yeah. Because because when I do stand by, it's it's it's over a $100 an hour. That's why the income's so so high, but I don't spend the hours at the station. No way. We're you know, Aberdeen, we don't get many calls a year compared to big bigger stations around around the area. Like, the hours that I I put in are are other stations, but they're not that many hours considering it's just a high hourly rate. Like, it's double time. Plus, I get little lurks and perks and allowances on these standbys that I claim that boosts my earnings. But I'm I've you know, 10% of my year, of my working time a year would even or would for me be a stretch compared to how much I work at Mount Arthur in the mines. If that's what they think, that's that's what they think I do. I'm I'm only an on call firefighter. I'm not a full timey. Are you there? What happened? Yeah. It just went just went silent there for a second. Yeah. I I I am here. I am in the asshole. I'm one of the assholes of of New South Wales. That's for sure. Yeah. Okay. Well, like, you know, I mean, after I work a shitload of hours plus overtime. They're twelve hour shifts. I'm on the lifestyle roster, which is the five and four, four and five. And Fire and Rescue, like, per fortnight, I'm I'd be lucky to be doing ten to fifteen hours total a fortnight. If you averaged it out. Yep. Plus that that's before overtime. So, like, you know, that's excluding overtime. Like, I'm doing I'm doing two to three overtime shifts a month. It's twelve hours. I I get twelve hours. I'm I'm not turning up for ten or eight. I go in there for twelve hours. You're gonna if you're gonna you're gonna do overtime, you might as well get the maximum. Sorry? Nah. Nah. I don't ever do them. Really? Yeah. And I'm doing at least at least at least two to three extra shifts a month on that at Mount Arthur at twelve hours each. And then, yeah, if you average out my hours over the year, I'd be lucky to be ten to fifteen hours a fortnight, which should be let surely be let sounds to me would be less than 10%. Right. Yeah. Okay. Yeah. Yep. Yeah. Right on. Sounds good. It's good good finally getting finally getting some action on it. Yes. Me. Yep. Friday. That'd be sweet. And can you can you give me a while you do that? I can afford it. Should I should I do some pretax sacrificing to my super through I do already do it $250 a fortnight through Fire and Rescue. Should I do it with my with my coal mining job as well? Because I I can I can I can trim some I can trim some fat off that because I'm earning good money there too? Yeah. Righto. You know what? You know, it'd be nice if I could get on the myGov. They just cannot I cannot get on it. I put all my information on there, like my page e stuff, my fucking birth certificate, all that shit, and it keeps spitting me back out. And I've done it on my mobile phone. I've done it on a fucking desktop computer. It just doesn't like me. I don't know what to do. Because I wanna get on the ATL app and fucking keep an eye on me taxes. I'm sick of it. Yeah. Right. Yeah. I normally I I normally for that for that shit, I normally call me account, and then he can get into that shit straight up and send me an email with it all on it. I've done that before. He's pretty good. But I just don't think he's up to speed with this fucking these allowances and all that kind of shit, the tax concessions that I'm entitled to being in fire and rescue. I think it might have caught in again. Are you there? Yeah. She's cut out again. You fucking stupid service. Are you there still? Hello? Fuck, mate. It just just went silent again on me. Yeah. Yes. Wait. Alright. Because, yeah, I can I can hate I can very easily I've got the form there at work where I can put it into payroll at BHP and do some pretax contributions? That's fine. I've certainly got the the fat there for it as far as earnings, but but, yeah, if we're gonna get a bit of a new direction on my on my super and get it fucking banging out some some some growth again, well, you know, it just seems like the last twelve months, I've just banged in a bit of money into it, and it's just going straight out the ass end. I looked at it the other day, and I went, what the fuck? And then, like, I saw it, you know, when that when those deductions come out from the insurances and that, I went, that is just railroad fucking robbery. Yeah. I do have I did have an offset account there, but I went with UBank. And I when I get myself into a position where I can buy a property, I want my my broker wants to get me out of that home loan and into another one so I can get an offset offset account again. Yeah. Because I've got a bit I got a bit I got a better interest rate with with UBank, but they didn't have an offset account. About because I went to when I was with my partner, we went to we went to buy another place, and I pulled some money out of my out of my we we needed some cash as well. I we got a second mortgage on it. I think I owe just over 500,000 on it. About five hundred and 10,000. Yeah. Alright. Yeah. Okay. Well, see, any sort of any sort of cash that I've got on top, I've been putting in to maximize my earnings on the stocks and crypto. So I am I'm definitely making money there. It's just I need I need a I need a strategy once it comes to a point where I, you know, wanna pay some debt out with it and all that kind of stuff to do it and then sort of try and minimize my tax obligations as much as I can. So I'm not gonna I'm not gonna pull money out of it unless like, I've had someone go through it and have a look and go, right o. Well, let's do it this way. So I wanna pay off a bit of that personal debt and get rid of it and then then go and buy a place. Yeah. Yeah. I've I've I've got no interest in pulling any money out of it right now unless it's just a yes and fucking sort out some debt that I've I mean, to sort the debt out, I wanna do it before I lose my big earnings that I've got at Mount Arthur. I wanna wipe that debt out so that that cash is coming into my account, and then I can top top my my, you know, crypto accounts up and that again that I'm making money on. I wanna be able to do that. So, I mean, if I have to pay a bit of tax on it, well, then I just have to fucking wear it, I guess, to get because, yeah, it's a couple of fucking silly couple of a couple of silly couple of silly decisions back in the day. I've got a fucking I I I just about have the means to get rid of them. So yeah. But, yeah, if I'm making money on this crypto thing like I am at the moment because we've used it we've been going full full throttle into that because The US stock market's just taken, like, the semiconductor and the AI sectors have absolutely lost their ass. So I've got a couple of I've got I've got some bit of money into a couple of stocks that I'm hoping that are gonna come back, but, you know, I've piled we've piled money into this crypto hedging strategy, and I'm, you know, fucking making amazing money off it. Fucking can't believe, like, I'm you know, when he's telling me to when they're telling me to close these crypto orders, you know, it's profit loss of, like, 35%. Maybe. Because, yeah, I don't wanna fuck it. Yeah. Why not? This is no good given it as if I can government, mate. They just spend it on shit. Yeah. Well, you already got people leaving Australia to other countries and that because of their country's less and less tax obligations that they require. It's just a fucking joke How we're getting we're getting absolutely railroaded in this country. Yes. Well, the problem that you've got is a lot of these politicians, a lot of them are solicitors and lawyers and shit. All they know how to do is make laws. That's all they know how to do. They they don't have they don't have well, no. They don't. Like, Jim Chalmers couldn't organize a fucking pie raffle at local school, and he's in charge of a fucking $3,000,000,000,000 economy. It's a fucking joke. And how the fuck how yeah. That's it. And but that's all I know how to do is make laws, and that's it. They don't they don't have any economic at all. And and and they're too busy too busy fucking going after Pauline Hanson and Gina Reinhardt than actually fucking running the country properly. And problem is the problem the way I see it is charity starts at home. We need to start putting fucking Australian people first. This is bullshit. Yeah, mate. I'm still here. Be here at work, like, in the crib room and that when we're having our crib and stuff, the fucking arguments, the political arguments that ensue at work, it's just I guess that sometimes I have to get up and just walk out. I'm fucking over it. Yeah. No. I'm here. I'm here. Okay. Yeah. I'll have a look at them today. Is that when you're gonna send them through or next couple of days? Fantastic. Right Righto, mate. Thank you very much. Cheers. You too. 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Tommy. I have Kane McDonald on the phone for you. Yeah. Awesome. Also, I don't know why that message is still pending.\n\nI just went and had a look myself. I can't figure it out. Lovely. Alrighty. I'll send it through.\n\nThank you. Have fun. Yes. I can. Yeah.\n\nNo. I I got your text message, and I was and I was ready to take the phone call, but the phone didn't bloody ring, and I just it just came through as a voice mail. And I'm like, oh, I don't know what's going on my fucking phone, but yes. No. No.\n\nNo. No problem. I've you know, I was ready to take the call. I did. Yes.\n\nYep. Yeah. Oh, as long as you need, I guess. Like, I'm I'm I'm at work, but I'm just on a a fire station standby out west. So, you know, there's nothing happening at the moment.\n\nSo I can as long as you need me, mate, I'm standing out and out out the front of this fire station in the nice sun, so it's really nice. So yeah. Well, now it's it's got it was freezing here this morning. It was probably one degree this morning, but, you know, sun's out now, and it should get to about 21 degrees, so it should be nice. Yeah.\n\nIt's fine. Yeah. I know. Well, like, when I first signed up with Oakview, they were down around at least half that, and they've just absolutely exploded, and nothing's changed in my life. You know, I I haven't had any hospital visits, like, nothing.\n\nAnd just the premiums are just going through the roof. I I expected they've just thought I would just fucking drive them up, and they won't say anything. Well, you know, my earnings in my superannuation the last almost twelve months have it's done nothing. And I've been piling money in the for the for the last couple of years into my super, and it and it was performing. And then this year, it's just done it's done absolutely cool.\n\nAnd then the the amount amount amount I'm absolutely. Like and and, yeah, it's it's just not happening. And and and I'm it's a bit it's a bit concerning for me because, you know, when I jumped over to a hub 24, I was, you know, certainly sold all the bells and whistles about how my super is gonna perform, and this year, it's done nothing. Just dog shit. No.\n\nYeah. Like, Oh, no. You keep going. Like, well, you know, I was I was gonna talk to you as well because I'm in a pretty good financial position at the moment. I'm making very, very good money, but I'm also come tax time, I'm trying to buy I wanna buy another house.\n\nI wanna buy, you know, I wanna sort of try and try and reduce some of this income tax that I'm paying because I'm earning I'm earning in excess of of about $2.70 to $280 a year in my two jobs. And I wanna buy I wanna buy a property to try and, you know, try and minimize some of the tax that I pay and, you know, enjoy some of those tax concessions that are still available to you. But, you know and also, I was gonna talk to about upping what I'm contributing as far as my super as well to try and reduce some of that tax I'm paying, like, pre like, pre pre tax contributions and that, which I'll you know, I'm doing $2.50, but I was thinking about upping it to about $400. Yeah. And then they they charge me they charge me $770 or something that I had to pay out of my super.\n\nI'm like, I thought I thought you had you have the ability ability to backtrack your super five years because they in the last five years, there's a couple of years that I haven't made the the concession up to the concessional cap. I thought you could you could dilute that in your last five years. But, you know, they wanted 770 out of me because I'd I'd I'd earned too much and put too much in me super or something. And I thought, let me suck this. I I want that back.\n\nI I want that back. Yeah. Righto. Yeah. Yes.\n\nI do. Yeah. It's fucking grubs. And like, I'm I'm I'm doing a standby for fire and rescue here today with a couple of promos, and one of them one of them is pretty high on these on these concessions and and and accounting sort of weighs around around your fire and rescue. He said, next time next time you go to your your account, and he said, claim 50% of your tax or 47% after your Medicare levy or whatever it is, 47% of your tax that you've paid into fire and rescue because you there shouldn't be an issue with you claiming, you know, nearly 50% of that back.\n\nApparently, there's something in. Yes. That's what I mean. Yeah. And I don't I don't I don't I don't think my accountant is up to speed on a lot of them because it's it's a lot to do.\n\nThere's a lot to do with, yeah, concession as far as, like, your mail allowances and your travel and all that kind of shit because I do a lot of travel with Fire and Rescue. And I I I think I'm I I think the the tax office are just absolutely burning me at the moment. I don't think my accountant's up to speed with a lot of it. Well, I've actually I've actually been doing logbook this year because I I don't I don't need logbook with Fire and Rescue because fire and rescue have a digital system that logs every kilometer that I do when I go and do and do relief kilometers with fire and rescue. So I can I can immediately pull that up from from each year back to the last five or seven years or whatever on our system?\n\nI can I can pull those sheets straight up, and it's gives every kilometer I've driven for fire and rescue? It's on our on our his name's Kieran Moore. He's in Maitland. He's he he's pretty good with, like, the the business side of accounting and that type of thing, but I don't think he's too good with his government concessions and that that I have being a a first responder emergency worker. And, you know, the last couple of years, I've I've I've had to pay back $5.5 tax.\n\nLast year, I got $1,100 tax bill, had that $700, $770 I had to pay back for me super. Like, it's fucking bullshit. And plus the the amount of tax that I pay through my income, you know, I'm just getting absolutely railroaded over here. Abs abs absolutely, mate. Absolutely.\n\nYeah. I I think I need to. And I also gonna get this check this this fellow in fire and rescue that that's up to he's a permo, and he's up to all the concessional cap concessional little loopholes in that that we can use as first responders in our tax system. He's he does cheat sheets up and that I might hit him up because he was just talking about it about half an year ago. And he said, make sure you tell your accountant you claim you wanna claim, what, 50% or or after your Medicare levy, 47% of your tax that you've paid in foreign rescue.\n\nYou claim that back. I'm like, really? He's like, yeah. 100%. You're allowed to.\n\nDoesn't matter what you've earned outside your job and all that, whether it's retained or permanent, you can. I'm like, well, fucking hell. What's my account doing? I'm just getting railroaded. Yeah.\n\nI know. Yeah. And and, like, even even, like, last couple of years, like, I've bought, you know, any in excess of 5 to $7,000 worth of tools for myself because I'm, you know, I'm setting myself up. I'm gonna start doing and I'm gonna do it on the books once me and Arthur shops. I'm gonna start I'm gonna start going and doing automotive and commercial air conditioning.\n\nYou know? And I'm buying I've bought a heap of tools and stuff like that. And and I thought that would have done a a decent amount of of deductions on my tax, and I'm still paying tax. I'm still fucking paying tax tax time. It's a fucking joke.\n\nI'm fucking over it. And I mean, you're getting you're getting nothing back for your for your money with this government. It just come full of shit. Yeah. Yeah.\n\nThat's it. Yep. And then they can't fix the road that you fucking drive on, and then the cops come out and are trying to nail everyone. It's like, why don't the council get fined because the roads are not fit for us to be fucking driving on? It's a fucking joke.\n\nWell, yeah, I have. And I'm like, fuck. I've left me run too late. Because it it's not like I'm I'm try I wanna buy I wanna buy another property, like but, you know, my my house that I own at Aberdeen, I've turned it into a six bedroom house. And off the books, I'm renting some rooms out and making some nice cash on the side unbeknownst to anyone.\n\nBut I've been told by when if if I I do move because I don't wanna buy I don't wanna I I don't need to live in a six bedroom house. It's a beautiful big house, but I'm gonna rent it out one day and buy a property somewhere else. But it's gonna be positively geared because I'm gonna get about he could get people in there for a thousand bucks a week rent. He's got people with big families that just cannot get a big enough place in the Upper Hunter that work in the Hunter Valley and the coal mines and that that and and, you know, other other industries that are up here. You know, I could get a thousand bucks a week rent for my six bedroom house, and it's got, you know, it's got a massive solar system.\n\nIt's got batteries. It's got roller shutters. Huge fucking huge facilities in the house. And, you know, it's I I paid $4.95 for it in 2018, and and I it's been valued at 1.1. Yep.\n\nOh, mate. Even if it's a thousand bucks a week rent, you know, I'm still that'll be positive geared 100%. I'll be paying tax on it. I won't be able to claim much. I mean, you can still claim back, but, you know, I've just gotta start.\n\nI've got this you know, with this amount of income that I've got coming in and I will have for the next four or five years while Mount Arthur stays open, you know, it's just ridiculous, and I'm sick of paying so much fucking tax. Yes. I know. No. Yep.\n\nYeah. Absolutely. Yeah. Yeah. It's 100%.\n\nAnd, you know, they need someone to fucking fork out for the over 51% of our population in Australia are on some sort of welfare. Oh, yeah. I'm up with the numbers on it. Absolutely. Yeah.\n\nAnd and look what look what's happening with the look what's happening with the NDIS. It's exactly what's happening over in America with the same shit. You go down to Lakemba Lakemba in Sydney, and there's a fucking there's a a childcare slash NDIS center slash disabled fucking center, you know, next door to one another, next door, next door. Like, they're all fucking loaded up in Sydney. And they've the fuckers do no business, but yet they're getting all these fucking concessions off the government.\n\nIt's a fucking joke. Yeah. And they're getting two two and $0.5 a week rent. Yeah. Absolutely.\n\nAnd you've got and you've got that especially the NDIS up in Queensland is a lot more is a lot more better is a lot more lucrative and I think a bit more generous than the the New South Wales one is. And that's why all these I see all these all these, you know, positive income houses for sale because I I I follow a few pages of of of mobs that are building these houses up in Yupoon and all that. And I was always thinking I'd like to jump on board with one of them, and they they they they deal mainly in those NDIS houses. And the amount of rent they get out of them a week is just insane. Like, how the fuck how the fuck do I get on to one of them?\n\nReally? Oh, really? Yeah. Right. Okay.\n\nYeah. You weren't in the purple do a do a little purple circle. See, and I was I was interested in talking to you to you about setting up a self managed super fund for me because of what my super was doing this year. But now that the the government brought in all their fucking legislation around that, there's no point. Because I've been I I'm being heavily into leveraging crypto and also and also The US stock market in the last twelve months.\n\nI've got a lot of unrealized fucking gains from the in the last twelve months. Like, I'm I'm I'm leveraging crypto at the moment with a crypto group that I'm a part of. I'm making $3,000 US a day on it. Yes. Yep.\n\nYeah. Because you can you can spread it across yeah. So that it can be diluted across a number of your investments. It's not just in that sector. Can it be diluted across so that it can lessen your lessen your fucking obligation or your liabilities?\n\nYeah. Yeah. Right. Okay. Yeah.\n\nWell, absolutely. That's what I wanna do. And I've because I've I was aware of that, and I needed to speak to someone about it just so that I'm a 100% on the level as to my understanding of it. But, like, I have no interest in I'm I'm putting I'm putting my own my a lot of my own capital into into this crypto and use US stocks venture that I've been involved in the last twelve months. And I have no in no no unless, you know, unless I absolutely suck my finances up somehow, and then I have to pull money out that we live off, this is this is gonna be you know, this is like a five year plan so that when me and Arthur shuts in 2030, I can I can taper off on the hours?\n\nI could just go go and do fire and rescue full time or, you know, I can I can then live my life where I don't have to fucking do this shift work anymore to pay off my mortgages and get you know, I I I wanna do that? And that's why I don't want to I'm glad these clowns never got this unrealized gain tax in because at the moment, that would kill that would have fucking destroyed me. Because I I'm I'm doing I'm doing so well. It's not funny. Like, it's fucking insane.\n\nWell, trying to you know, I'm well, I I've been trying to do it as soon as possible. Like, I wanna buy some land back down closer to Maitland where my kids are, but I can still get to work. But, you know, if I leave Aberdeen Fire and Rescue, like, the standby money that I get from Fire and Rescue doing these standbys across the across the the Greater Hunter and and even I come at Wares Creek today, which is in the Tamworth area. You know, the money is unbelievable. And where I am at Aberdeen at the moment, I am situated in such a lucrative spot.\n\nIt's I you know, it's it's hard to I'm I'm having I'm having a bit of anxiety actually thinking about it, but I would like even if even if even if I don't buy a place that I wanna move into, you know, buying somewhere even if I buy a smaller place in town and rent the place out at Aberdeen and make that big money with the rent and stay in Aberdeen, yeah, I I I wanna do it because my house is just too big for me. You know, I've got a couple of people staying there. I'm getting $220 a week cash out of them. But, you know, at that that cash economy, I'm glad they never fucked that off. But yeah.\n\nOkay. Well, give Albo a chance, mate. He he wants us to own nothing and be happy. But oh, yeah. Yeah.\n\nRight. Yeah. Okay. Yeah. Yeah.\n\nNo. I get that. Okay. I do have a couple of really good contacts in let me contact Dan's real estate in Skane. He's really good.\n\nHe's gonna property manage my house when eventually I decide to do it because he's he's up to speed on what I wanna do. And I've got a fellow that owns a heap of property and, you know, leases out all these apartments down in Newcastle and that. He's got his finger in the pie on the pulse really all the time with what's going on. And I'm always asking him for hints and tips. And he said to me, he said, if you wanna buy a place, just just tell me and I will find something that you want for you.\n\nAnd he won't even charge me. He's pretty good. He's a family friend. Yeah. See, I've got a bit I've got a little bit of personal debt I'm trying to wipe out, and that's what I'm thinking about using this crypto strategy to pull a bit pull money straight out and just demolish that little bit of personal debt that I've got just to smash that away.\n\nI have a loan. I had a I got a loan. I had a I had a bad I had a bad breakup relationship breakdown, and I I pay I had to pay her out. And I'm in the hole at the moment on that one about I think I owe about $40. Yeah.\n\nI'm just I I've got them literally, in in my in my crypto and and stocks thing at the moment, I've got more than enough money to pay it out, but I wanna figure out a way to do it so I don't I can pull money out of that and not pay fucking tax because I'm paying off debt. Yeah. I know. It's fucked. Yep.\n\nWell, this is what this is what Omar has been talking to me talking to me today about, you know, coming up with a couple of companies and doing it through that. Yes. Yeah. Yes. I do.\n\nYeah. Yeah. Well, that's that's where a lot of that capital's come from. I I I I yeah. Exactly.\n\nSo I didn't go out and spend it. Some of that money I should've used to pay off the debt, but I wanted to invest it instead. That was a bit stupid, but I'm almost at a position where I can just go bang, get rid of that, and then I'm in a better spot. But, yeah, I ended up my I ended up well, I started on consignment, and I still have and I I still have about a 150, maybe 200 depends on who you talk to. About two nearly $200 worth of Pokemon cards there still, and they're going up every day.\n\nLike, I've got one box there that's worth $15,000 just on its own. And and that's I've actually when I when I when I gave them to all my like, I I've been helping him out with his business. I've been going and some of the money that I have that I had, I went and bought a couple of collections of people at really good prices and then sold gave them to on sale through him through his business in Sydney. But I ended up making about $250 out of that out of that transaction. And I probably and I only probably outlaid a $100,000 total over the last probably ten years that I I built that collection.\n\nOh, and and I just I I didn't see it coming, and I I was into it well before this, and I just could not believe that I somehow magically, you know, was already heavily invested into that into into the Pokemon cards because it is just nuts. And it's just going. And and and as far and as long as as long as we keep having kids, mate, Pokemon is not going anywhere. It's a it's per Pokemon internationally is worth more than Disney. It's the number one entertainment company out there, Pokemon and Nintendo.\n\nIt's worth more than Disney's second on the list. So and I just could not believe I I couldn't believe yeah. I just couldn't believe because that shit doesn't happen to me. But I think under these these new investments and assets, I can mean things that the government's bringing out. I'm probably lucky I sold it when I did because if I tried to sell it in the future, I'd have been fucked.\n\nOh, that will clean me out. You know, because Yes. I was actually looking at it this morning because I had to I've been waking up because the blokes that I'm dealing with are in The US. And it's and and and it's on it's in a complete completely legit I've done me homework through contacts that I have in the industry. It's on it's on a completely legit globalized platform that I do it on.\n\nThese blokes are legit because I know there's been a lot of scamming going on with the stock markets. And I I've actually lost a bit on The US stock market to some bad advice, but you live and you learn. And I had plenty of fucking plenty of backup to get out of that. I mean, it happens. I learn a lot from it.\n\nBut as it states today, probably, if I was to sell it all today, I could probably pull a $160 out of it. And that's and that that that that that was that was from about probably I don't know. I probably started with about $50,000 Australian, and that's sorry. That's a 160,000 US. That's what that's that's what I mean.\n\nI'm staying away from the Australian stock market. They're too slow. The US stock market's got that good volatility that, you know, that you're you're looking for, especially if you're buying in volume. And then, you know, if you understand crypto leveraging, you know, I'm making really, really good money on that every day because they're ten, fifteen minute trades because I'm longing and shorting crypto against Bitcoin. But like like this this morning, on my way to the standby today, I sold.\n\nWe made a we made a we made a investment. We made a trade at it was about 5AM. 6AM, I I made the investment. And by 7AM, I was given a to close close that close that order immediately, and I made 3,000 US dollars just in one day. And and the night the night the night before, I made a thousand US.\n\nSo it's just getting better and better. Like, these blokes are just they're just on the on money. Like, I've I've signed a a a a contract with them. It's all legit. I share with them 10% of the earnings at the end of three months.\n\nThe profit we only only pay 10% of my profit to them, and, you know, I'm learning all about crypto leveraging in US stocks and how to read the stock market. I hope so. Yeah. Absolutely. Yeah.\n\nYeah. So I mean, well, my answer my answer was shot well, in four years. Sorry. So it was four years. It shuts on the it was gonna shut on the June 2030.\n\nYeah. And so they're gonna they're gonna they're gonna pay us out our redundancies on the July 1. Absolute absolutely. Well yeah. Like yes.\n\nAbsolutely. And, you know, with the income that I'm getting at the moment, it's just I I wanna buy I'm I'm because I wanna be a self funded retiree. Like, my mom and my dad are, and they're they're well, my mom's having fun. My dad's just a miserable old cunt. But, you know, they're self sufficient.\n\nYou know, they made they made bank on on on investment, not property investing, and when negative gearing was was was the go back in the late nineties and early thousands. But, you know, they made their fortune on that, and they're self funded retirees. And I want that for myself. Yeah. Well.\n\nWell. 100%. And that's the way it should be. Yeah. Well, I've never got a handout in my life.\n\nLike, you know, I'm a I'm through my mom's side, I'm a descendant, but we've never had a handout in our life. Like, you know, my parents taught me that anything you want in your life, you gotta work your fucking ass out for. And that's that's exactly what I've done. I'm trying to teach my kids the same. Well well, Chloe, yes.\n\nShe's she's she's only in year 10. Well, she was in year nine, actually. She got her first job. She got her first job, and she works at KFC at Green Hills. Soon as she could work, she just wanted to go and get a job.\n\nYeah. So she's she's she's definitely taken a leaf out of my book. That's for sure, which is good. But I told her, I said, Chloe, don't ever have your fucking hand out. If you want something, you work for it.\n\nThen you can say that you never leaned on anyone for it. Absolutely. Alright. Absolutely. And and and, of course, like, when I go, whenever that is down the track, I still wanna have something there to give give the kids so they can spread it out and make everyone's lives easier in the in the family.\n\nYeah. Well oh, absolutely. And and I I need to I need to be filled in on that information by the right people, because I'm trying to do that. Yep. Yes.\n\nYes. Absolutely. Yeah. That'd be cool. But yeah.\n\nSo what are you gonna just look at my super as far as what what those life insurances can do? And because, yeah, I I just the $1,010,010 thousand dollars annually, that's just insane. Considering what I what what I was what I was paying for it only a couple of years ago, it's doubled. Yeah. Why is mine going up so high?\n\nWell, that's that's fucking whoever whoever that that's one path. They're they're fucked in the head. Yes. And they've taken it taken the liberty the the liberty of all things that they can only come with us. We're just gonna overinflate his fucking insurance premiums.\n\nYeah. See, I just I just can't believe that they're really the only the only insurance companies that you know, we've got a large amount of people in in New South Wales, especially, that are in fire and rescue and that are in coal mining. Like, it's fucking bullshit. Yeah. Right on.\n\nYeah. Right. Yep. Yeah. Fair enough.\n\nWell, we need to I need to have a chat with them and see if they can bump it down because it's bullshit. It's fucking that's fucking disgraceful. Yeah. Right. I saw and and and what's what what is the what is the stipulations around that that income protection?\n\nIs it what? 75%, 8080%? What is it? Right. Yeah.\n\nBut what what are they what are they charging people? Alright. Yeah. Okay. Yeah.\n\nOkay. Alright. I I could I could flight I could flight me on I could flight me on boats six months if needed. Mhmm. Yeah.\n\nOkay. Yeah. Well, Get on that. Is that 70% 70 percent or 70 yeah. Okay.\n\nLet's see. Fire fire and rest fire and rest fire and rescue, like, if I didn't if if I didn't have to pull an income out of fire and rescue, I'd be covered by fire and rescue for me is only just, like, cream on the top. Really? I could survive without it. But what because well, so what's what's what's the what's the what's the 10%?\n\nWhat's that asking about? How much time I give to Fire and Rescue? Or because it's only a part time job. It's I'm only on call. It's not like I turn up the fire a station every day.\n\nYeah. Because because when I do stand by, it's it's it's over a $100 an hour. That's why the income's so so high, but I don't spend the hours at the station. No way. We're you know, Aberdeen, we don't get many calls a year compared to big bigger stations around around the area.\n\nLike, the hours that I I put in are are other stations, but they're not that many hours considering it's just a high hourly rate. Like, it's double time. Plus, I get little lurks and perks and allowances on these standbys that I claim that boosts my earnings. But I'm I've you know, 10% of my year, of my working time a year would even or would for me be a stretch compared to how much I work at Mount Arthur in the mines. If that's what they think, that's that's what they think I do.\n\nI'm I'm only an on call firefighter. I'm not a full timey. Are you there? What happened? Yeah.\n\nIt just went just went silent there for a second. Yeah. I I I am here. I am in the asshole. I'm one of the assholes of of New South Wales.\n\nThat's for sure. Yeah. Okay. Well, like, you know, I mean, after I work a shitload of hours plus overtime. They're twelve hour shifts.\n\nI'm on the lifestyle roster, which is the five and four, four and five. And Fire and Rescue, like, per fortnight, I'm I'd be lucky to be doing ten to fifteen hours total a fortnight. If you averaged it out. Yep. Plus that that's before overtime.\n\nSo, like, you know, that's excluding overtime. Like, I'm doing I'm doing two to three overtime shifts a month. It's twelve hours. I I get twelve hours. I'm I'm not turning up for ten or eight.\n\nI go in there for twelve hours. You're gonna if you're gonna you're gonna do overtime, you might as well get the maximum. Sorry? Nah. Nah.\n\nI don't ever do them. Really? Yeah. And I'm doing at least at least at least two to three extra shifts a month on that at Mount Arthur at twelve hours each. And then, yeah, if you average out my hours over the year, I'd be lucky to be ten to fifteen hours a fortnight, which should be let surely be let sounds to me would be less than 10%.\n\nRight. Yeah. Okay. Yeah. Yep.\n\nYeah. Right on. Sounds good. It's good good finally getting finally getting some action on it. Yes.\n\nMe. Yep. Friday. That'd be sweet. And can you can you give me a while you do that?\n\nI can afford it. Should I should I do some pretax sacrificing to my super through I do already do it $250 a fortnight through Fire and Rescue. Should I do it with my with my coal mining job as well? Because I I can I can I can trim some I can trim some fat off that because I'm earning good money there too? Yeah.\n\nRighto. You know what? You know, it'd be nice if I could get on the myGov. They just cannot I cannot get on it. I put all my information on there, like my page e stuff, my fucking birth certificate, all that shit, and it keeps spitting me back out.\n\nAnd I've done it on my mobile phone. I've done it on a fucking desktop computer. It just doesn't like me. I don't know what to do. Because I wanna get on the ATL app and fucking keep an eye on me taxes.\n\nI'm sick of it. Yeah. Right. Yeah. I normally I I normally for that for that shit, I normally call me account, and then he can get into that shit straight up and send me an email with it all on it.\n\nI've done that before. He's pretty good. But I just don't think he's up to speed with this fucking these allowances and all that kind of shit, the tax concessions that I'm entitled to being in fire and rescue. I think it might have caught in again. Are you there?\n\nYeah. She's cut out again. You fucking stupid service. Are you there still? Hello?\n\nFuck, mate. It just just went silent again on me. Yeah. Yes. Wait.\n\nAlright. Because, yeah, I can I can hate I can very easily I've got the form there at work where I can put it into payroll at BHP and do some pretax contributions? That's fine. I've certainly got the the fat there for it as far as earnings, but but, yeah, if we're gonna get a bit of a new direction on my on my super and get it fucking banging out some some some growth again, well, you know, it just seems like the last twelve months, I've just banged in a bit of money into it, and it's just going straight out the ass end. I looked at it the other day, and I went, what the fuck?\n\nAnd then, like, I saw it, you know, when that when those deductions come out from the insurances and that, I went, that is just railroad fucking robbery. Yeah. I do have I did have an offset account there, but I went with UBank. And I when I get myself into a position where I can buy a property, I want my my broker wants to get me out of that home loan and into another one so I can get an offset offset account again. Yeah.\n\nBecause I've got a bit I got a bit I got a better interest rate with with UBank, but they didn't have an offset account. About because I went to when I was with my partner, we went to we went to buy another place, and I pulled some money out of my out of my we we needed some cash as well. I we got a second mortgage on it. I think I owe just over 500,000 on it. About five hundred and 10,000.\n\nYeah. Alright. Yeah. Okay. Well, see, any sort of any sort of cash that I've got on top, I've been putting in to maximize my earnings on the stocks and crypto.\n\nSo I am I'm definitely making money there. It's just I need I need a I need a strategy once it comes to a point where I, you know, wanna pay some debt out with it and all that kind of stuff to do it and then sort of try and minimize my tax obligations as much as I can. So I'm not gonna I'm not gonna pull money out of it unless like, I've had someone go through it and have a look and go, right o. Well, let's do it this way. So I wanna pay off a bit of that personal debt and get rid of it and then then go and buy a place.\n\nYeah. Yeah. I've I've I've got no interest in pulling any money out of it right now unless it's just a yes and fucking sort out some debt that I've I mean, to sort the debt out, I wanna do it before I lose my big earnings that I've got at Mount Arthur. I wanna wipe that debt out so that that cash is coming into my account, and then I can top top my my, you know, crypto accounts up and that again that I'm making money on. I wanna be able to do that.\n\nSo, I mean, if I have to pay a bit of tax on it, well, then I just have to fucking wear it, I guess, to get because, yeah, it's a couple of fucking silly couple of a couple of silly couple of silly decisions back in the day. I've got a fucking I I I just about have the means to get rid of them. So yeah. But, yeah, if I'm making money on this crypto thing like I am at the moment because we've used it we've been going full full throttle into that because The US stock market's just taken, like, the semiconductor and the AI sectors have absolutely lost their ass. So I've got a couple of I've got I've got some bit of money into a couple of stocks that I'm hoping that are gonna come back, but, you know, I've piled we've piled money into this crypto hedging strategy, and I'm, you know, fucking making amazing money off it.\n\nFucking can't believe, like, I'm you know, when he's telling me to when they're telling me to close these crypto orders, you know, it's profit loss of, like, 35%. Maybe. Because, yeah, I don't wanna fuck it. Yeah. Why not?\n\nThis is no good given it as if I can government, mate. They just spend it on shit. Yeah. Well, you already got people leaving Australia to other countries and that because of their country's less and less tax obligations that they require. It's just a fucking joke How we're getting we're getting absolutely railroaded in this country.\n\nYes. Well, the problem that you've got is a lot of these politicians, a lot of them are solicitors and lawyers and shit. All they know how to do is make laws. That's all they know how to do. They they don't have they don't have well, no.\n\nThey don't. Like, Jim Chalmers couldn't organize a fucking pie raffle at local school, and he's in charge of a fucking $3,000,000,000,000 economy. It's a fucking joke. And how the fuck how yeah. That's it.\n\nAnd but that's all I know how to do is make laws, and that's it. They don't they don't have any economic at all. And and and they're too busy too busy fucking going after Pauline Hanson and Gina Reinhardt than actually fucking running the country properly. And problem is the problem the way I see it is charity starts at home. We need to start putting fucking Australian people first.\n\nThis is bullshit. Yeah, mate. I'm still here. Be here at work, like, in the crib room and that when we're having our crib and stuff, the fucking arguments, the political arguments that ensue at work, it's just I guess that sometimes I have to get up and just walk out. I'm fucking over it.\n\nYeah. No. I'm here. I'm here. Okay.\n\nYeah. I'll have a look at them today. Is that when you're gonna send them through or next couple of days? Fantastic. Right Righto, mate.\n\nThank you very much. Cheers. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Tommy.","start":1.68,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.05432188883423805},{"text":"I have Kane McDonald on the phone for you.","start":2.3999999,"end":4.5,"sentiment":"neutral","sentiment_score":0.08959206442038219},{"text":"Yeah.","start":6.7999997,"end":7.2999997,"sentiment":"positive","sentiment_score":0.37315523624420166},{"text":"Awesome.","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.4361131489276886},{"text":"Also, I don't know why that message is still pending.","start":9.679999,"end":11.679999,"sentiment":"neutral","sentiment_score":-0.08351181969046592}],"sentiment":"neutral","sentiment_score":0.038657501987788986,"num_words":23,"start":1.68,"end":11.679999},{"sentences":[{"text":"I just went and had a look myself.","start":11.679999,"end":13.04,"sentiment":"neutral","sentiment_score":-0.08091925270855427},{"text":"I can't figure it out.","start":13.04,"end":14.175,"sentiment":"neutral","sentiment_score":-0.15863852202892303},{"text":"Lovely.","start":19.775,"end":20.275,"sentiment":"positive","sentiment_score":0.5098739266395569},{"text":"Alrighty.","start":20.415,"end":20.915,"sentiment":"positive","sentiment_score":0.35502320528030396},{"text":"I'll send it through.","start":21.135,"end":22.275,"sentiment":"neutral","sentiment_score":0.31430526822805405}],"sentiment":"neutral","sentiment_score":0.035872188053633035,"num_words":19,"start":11.679999,"end":22.275},{"sentences":[{"text":"Thank you.","start":23.775,"end":24.335,"sentiment":"positive","sentiment_score":0.43928393721580505},{"text":"Have fun.","start":24.335,"end":25.075,"sentiment":"positive","sentiment_score":0.45078180730342865},{"text":"Yes.","start":36.99,"end":37.39,"sentiment":"neutral","sentiment_score":0.07688826322555542},{"text":"I can.","start":37.39,"end":38.05,"sentiment":"neutral","sentiment_score":0.12038085237145424},{"text":"Yeah.","start":45.685,"end":46.185,"sentiment":"neutral","sentiment_score":-0.039321500808000565}],"sentiment":"neutral","sentiment_score":0.25730749452486634,"num_words":8,"start":23.775,"end":46.185},{"sentences":[{"text":"No.","start":46.485,"end":46.805,"sentiment":"neutral","sentiment_score":-0.1448274850845337},{"text":"I I got your text message, and I was and I was ready to take the phone call, but the phone didn't bloody ring, and I just it just came through as a voice mail.","start":46.805,"end":54.025,"sentiment":"neutral","sentiment_score":-0.21998042166233062},{"text":"And I'm like, oh, I don't know what's going on my fucking phone, but yes.","start":54.805,"end":61.489998,"sentiment":"neutral","sentiment_score":-0.21359018037716548},{"text":"No.","start":70.085,"end":70.244995,"sentiment":"neutral","sentiment_score":-0.06517837941646576},{"text":"No.","start":70.244995,"end":70.405,"sentiment":"neutral","sentiment_score":-0.050150394439697266}],"sentiment":"neutral","sentiment_score":-0.2106287494864104,"num_words":53,"start":46.485,"end":70.405},{"sentences":[{"text":"No.","start":70.405,"end":70.485,"sentiment":"neutral","sentiment_score":-0.025039806962013245},{"text":"No problem.","start":70.485,"end":71.204994,"sentiment":"neutral","sentiment_score":0.04357098788022995},{"text":"I've you know, I was ready to take the call.","start":71.204994,"end":73.064995,"sentiment":"neutral","sentiment_score":0.07141435295343398},{"text":"I did.","start":84.93,"end":85.41,"sentiment":"neutral","sentiment_score":0.01551787368953228},{"text":"Yes.","start":85.41,"end":85.91,"sentiment":"neutral","sentiment_score":0.021393148228526115}],"sentiment":"neutral","sentiment_score":0.05179216212127358,"num_words":16,"start":70.405,"end":85.91},{"sentences":[{"text":"Yep.","start":87.49,"end":87.99,"sentiment":"neutral","sentiment_score":0.0925394743680954},{"text":"Yeah.","start":99.645004,"end":100.145004,"sentiment":"neutral","sentiment_score":0.035627685487270355},{"text":"Oh, as long as you need, I guess.","start":102.605,"end":104.045,"sentiment":"neutral","sentiment_score":0.0008829627186059952},{"text":"Like, I'm I'm I'm at work, but I'm just on a a fire station standby out west.","start":104.045,"end":109.085,"sentiment":"neutral","sentiment_score":-0.008568985552033958},{"text":"So, you know, there's nothing happening at the moment.","start":109.085,"end":112.205,"sentiment":"neutral","sentiment_score":-0.060765560509430036}],"sentiment":"neutral","sentiment_score":-0.01548144270458983,"num_words":36,"start":87.49,"end":112.205},{"sentences":[{"text":"So I can as long as you need me, mate, I'm standing out and out out the front of this fire station in the nice sun, so it's really nice.","start":112.205,"end":118.729996,"sentiment":"positive","sentiment_score":0.382087675233682},{"text":"So yeah.","start":118.729996,"end":126.049995,"sentiment":"neutral","sentiment_score":-0.02452781051397323},{"text":"Well, now it's it's got it was freezing here this morning.","start":126.049995,"end":129.475,"sentiment":"neutral","sentiment_score":0.207614004611969},{"text":"It was probably one degree this morning, but, you know, sun's out now, and it should get to about 21 degrees, so it should be nice.","start":129.475,"end":136.855,"sentiment":"neutral","sentiment_score":0.21447894235069936},{"text":"Yeah.","start":150.57,"end":150.81,"sentiment":"neutral","sentiment_score":0.11976902186870576}],"sentiment":"neutral","sentiment_score":0.27705071728144376,"num_words":70,"start":112.205,"end":150.81},{"sentences":[{"text":"It's fine.","start":150.81,"end":151.47,"sentiment":"neutral","sentiment_score":0.15589112043380737},{"text":"Yeah.","start":170.19,"end":170.59,"sentiment":"neutral","sentiment_score":-0.026613332331180573},{"text":"I know.","start":170.59,"end":172.43001,"sentiment":"neutral","sentiment_score":-0.038316262885928154},{"text":"Well, like, when I first signed up with Oakview, they were down around at least half that, and they've just absolutely exploded, and nothing's changed in my life.","start":172.43001,"end":180.85,"sentiment":"neutral","sentiment_score":-0.1937826070934534},{"text":"You know, I I haven't had any hospital visits, like, nothing.","start":182.35,"end":185.49,"sentiment":"neutral","sentiment_score":-0.25918791781772266}],"sentiment":"neutral","sentiment_score":-0.18337372072379698,"num_words":44,"start":150.81,"end":185.49},{"sentences":[{"text":"And just the premiums are just going through the roof.","start":186.185,"end":188.425,"sentiment":"negative","sentiment_score":-0.3476636797189713},{"text":"I I expected they've just thought I would just fucking drive them up, and they won't say anything.","start":188.425,"end":192.905,"sentiment":"negative","sentiment_score":-0.420596816473537},{"text":"Well, you know, my earnings in my superannuation the last almost twelve months have it's done nothing.","start":192.905,"end":198.28499,"sentiment":"neutral","sentiment_score":-0.1727785156930194},{"text":"And I've been piling money in the for the for the last couple of years into my super, and it and it was performing.","start":198.9,"end":205.15999,"sentiment":"neutral","sentiment_score":-0.033803198020905256},{"text":"And then this year, it's just done it's done absolutely cool.","start":205.78,"end":209.31999,"sentiment":"neutral","sentiment_score":0.3157378367402337}],"sentiment":"neutral","sentiment_score":-0.1415346851106733,"num_words":80,"start":186.185,"end":209.31999},{"sentences":[{"text":"And then the the amount amount amount I'm absolutely.","start":210.42,"end":214.775,"sentiment":"neutral","sentiment_score":-0.046648951868216194},{"text":"Like and and, yeah, it's it's just not happening.","start":215.155,"end":219.395,"sentiment":"neutral","sentiment_score":-0.2160509361161126},{"text":"And and and I'm it's a bit it's a bit concerning for me because, you know, when I jumped over to a hub 24, I was, you know, certainly sold all the bells and whistles about how my super is gonna perform, and this year, it's done nothing.","start":219.395,"end":235.08,"sentiment":"neutral","sentiment_score":-0.18009189399890602},{"text":"Just dog shit.","start":241.14,"end":242.76,"sentiment":"negative","sentiment_score":-0.5546689430872599},{"text":"No.","start":256.575,"end":257.075,"sentiment":"neutral","sentiment_score":-0.17068293690681458}],"sentiment":"neutral","sentiment_score":-0.1834771381425006,"num_words":70,"start":210.42,"end":257.075},{"sentences":[{"text":"Yeah.","start":266.92,"end":267.24,"sentiment":"neutral","sentiment_score":-0.041394248604774475},{"text":"Like, Oh, no.","start":267.24,"end":271.79498,"sentiment":"neutral","sentiment_score":-0.14514813323815665},{"text":"You keep going.","start":271.79498,"end":272.595,"sentiment":"neutral","sentiment_score":-0.1911690483490626},{"text":"Like, well, you know, I was I was gonna talk to you as well because I'm in a pretty good financial position at the moment.","start":272.595,"end":277.715,"sentiment":"neutral","sentiment_score":0.032766284942626955},{"text":"I'm making very, very good money, but I'm also come tax time, I'm trying to buy I wanna buy another house.","start":277.715,"end":283.715,"sentiment":"neutral","sentiment_score":0.024157340208711547}],"sentiment":"neutral","sentiment_score":0.005209725935512908,"num_words":53,"start":266.92,"end":283.715},{"sentences":[{"text":"I wanna buy, you know, I wanna sort of try and try and reduce some of this income tax that I'm paying because I'm earning I'm earning in excess of of about $2.70 to $280 a year in my two jobs.","start":283.715,"end":298.67,"sentiment":"neutral","sentiment_score":-0.0002870621250533475},{"text":"And I wanna buy I wanna buy a property to try and, you know, try and minimize some of the tax that I pay and, you know, enjoy some of those tax concessions that are still available to you.","start":299.435,"end":312.635,"sentiment":"neutral","sentiment_score":0.12674630786745977},{"text":"But, you know and also, I was gonna talk to about upping what I'm contributing as far as my super as well to try and reduce some of that tax I'm paying, like, pre like, pre pre tax contributions and that, which I'll you know, I'm doing $2.50, but I was thinking about upping it to about $400.","start":312.635,"end":332.65503,"sentiment":"neutral","sentiment_score":0.058134904516668154},{"text":"Yeah.","start":347.88,"end":348.2,"sentiment":"neutral","sentiment_score":-0.06944122910499573},{"text":"And then they they charge me they charge me $770 or something that I had to pay out of my super.","start":348.2,"end":354.775,"sentiment":"neutral","sentiment_score":-0.2658249725188528}],"sentiment":"neutral","sentiment_score":0.016571220435434953,"num_words":160,"start":283.715,"end":354.775},{"sentences":[{"text":"I'm like, I thought I thought you had you have the ability ability to backtrack your super five years because they in the last five years, there's a couple of years that I haven't made the the concession up to the concessional cap.","start":355.555,"end":370.94,"sentiment":"neutral","sentiment_score":-0.09284308803982513},{"text":"I thought you could you could dilute that in your last five years.","start":370.94,"end":374.14,"sentiment":"neutral","sentiment_score":-0.17034393548965454},{"text":"But, you know, they wanted 770 out of me because I'd I'd I'd earned too much and put too much in me super or something.","start":374.14,"end":381.405,"sentiment":"negative","sentiment_score":-0.36652213156223296},{"text":"And I thought, let me suck this.","start":382.76498,"end":384.865,"sentiment":"neutral","sentiment_score":-0.3108684058700289},{"text":"I I want that back.","start":386.125,"end":387.165,"sentiment":"neutral","sentiment_score":-0.2763023227453232}],"sentiment":"neutral","sentiment_score":-0.2035200826983939,"num_words":93,"start":355.555,"end":387.165},{"sentences":[{"text":"I I want that back.","start":387.165,"end":388.545,"sentiment":"neutral","sentiment_score":-0.11280711889266967},{"text":"Yeah.","start":396.93,"end":397.16998,"sentiment":"neutral","sentiment_score":-0.009548766538500786},{"text":"Righto.","start":397.16998,"end":397.66998,"sentiment":"neutral","sentiment_score":0.020373929291963577},{"text":"Yeah.","start":410.735,"end":411.235,"sentiment":"neutral","sentiment_score":-0.0954686552286148},{"text":"Yes.","start":418.335,"end":418.655,"sentiment":"neutral","sentiment_score":-0.0366346538066864}],"sentiment":"neutral","sentiment_score":-0.07614597119390965,"num_words":9,"start":387.165,"end":418.655},{"sentences":[{"text":"I do.","start":418.655,"end":419.315,"sentiment":"neutral","sentiment_score":-0.06463166326284409},{"text":"Yeah.","start":435.11,"end":435.34998,"sentiment":"negative","sentiment_score":-0.4678804874420166},{"text":"It's fucking grubs.","start":435.34998,"end":436.31,"sentiment":"negative","sentiment_score":-0.8023640314737955},{"text":"And like, I'm I'm I'm doing a standby for fire and rescue here today with a couple of promos, and one of them one of them is pretty high on these on these concessions and and and accounting sort of weighs around around your fire and rescue.","start":436.31,"end":452.21,"sentiment":"negative","sentiment_score":-0.36039593974326517},{"text":"He said, next time next time you go to your your account, and he said, claim 50% of your tax or 47% after your Medicare levy or whatever it is, 47% of your tax that you've paid into fire and rescue because you there shouldn't be an issue with you claiming, you know, nearly 50% of that back.","start":452.21,"end":471.865,"sentiment":"neutral","sentiment_score":0.19551813435451737}],"sentiment":"neutral","sentiment_score":-0.07750264219604097,"num_words":111,"start":418.655,"end":471.865},{"sentences":[{"text":"Apparently, there's something in.","start":474.085,"end":475.705,"sentiment":"neutral","sentiment_score":0.056696848943829536},{"text":"Yes.","start":477.14,"end":477.46,"sentiment":"neutral","sentiment_score":0.12179264426231384},{"text":"That's what I mean.","start":477.46,"end":478.1,"sentiment":"neutral","sentiment_score":0.12172852084040642},{"text":"Yeah.","start":478.1,"end":478.34,"sentiment":"neutral","sentiment_score":0.00006377324461936951},{"text":"And I don't I don't I don't I don't think my accountant is up to speed on a lot of them because it's it's a lot to do.","start":478.34,"end":487.54,"sentiment":"neutral","sentiment_score":-0.21684650225298746}],"sentiment":"neutral","sentiment_score":-0.13779326753788873,"num_words":38,"start":474.085,"end":487.54},{"sentences":[{"text":"There's a lot to do with, yeah, concession as far as, like, your mail allowances and your travel and all that kind of shit because I do a lot of travel with Fire and Rescue.","start":487.54,"end":497.215,"sentiment":"neutral","sentiment_score":-0.1990446286542075},{"text":"And I I I think I'm I I think the the tax office are just absolutely burning me at the moment.","start":497.755,"end":502.555,"sentiment":"negative","sentiment_score":-0.5847109463952836},{"text":"I don't think my accountant's up to speed with a lot of it.","start":502.555,"end":511.31,"sentiment":"negative","sentiment_score":-0.4510454277579601},{"text":"Well, I've actually I've actually been doing logbook this year because I I don't I don't need logbook with Fire and Rescue because fire and rescue have a digital system that logs every kilometer that I do when I go and do and do relief kilometers with fire and rescue.","start":511.31,"end":529.115,"sentiment":"neutral","sentiment_score":-0.012939076051115989},{"text":"So I can I can immediately pull that up from from each year back to the last five or seven years or whatever on our system?","start":529.115,"end":537.44,"sentiment":"neutral","sentiment_score":0.07848153721827728}],"sentiment":"neutral","sentiment_score":-0.16355528464091235,"num_words":145,"start":487.54,"end":537.44},{"sentences":[{"text":"I can I can pull those sheets straight up, and it's gives every kilometer I've driven for fire and rescue?","start":537.44,"end":544.5,"sentiment":"neutral","sentiment_score":0.10380728058516979},{"text":"It's on our on our his name's Kieran Moore.","start":546.08,"end":550.91504,"sentiment":"neutral","sentiment_score":0.004208847259481748},{"text":"He's in Maitland.","start":550.91504,"end":551.815,"sentiment":"neutral","sentiment_score":-0.003901216511925064},{"text":"He's he he's pretty good with, like, the the business side of accounting and that type of thing, but I don't think he's too good with his government concessions and that that I have being a a first responder emergency worker.","start":551.875,"end":565.42004,"sentiment":"neutral","sentiment_score":-0.23699771240353584},{"text":"And, you know, the last couple of years, I've I've I've had to pay back $5.5 tax.","start":566.60004,"end":571.08,"sentiment":"neutral","sentiment_score":-0.30648180053514595}],"sentiment":"neutral","sentiment_score":-0.1424975025571055,"num_words":90,"start":537.44,"end":571.08},{"sentences":[{"text":"Last year, I got $1,100 tax bill, had that $700, $770 I had to pay back for me super.","start":571.08,"end":577.32,"sentiment":"negative","sentiment_score":-0.41988423780391093},{"text":"Like, it's fucking bullshit.","start":577.32,"end":579.475,"sentiment":"negative","sentiment_score":-0.6845339983701706},{"text":"And plus the the amount of tax that I pay through my income, you know, I'm just getting absolutely railroaded over here.","start":579.615,"end":585.875,"sentiment":"negative","sentiment_score":-0.37316889044913376},{"text":"Abs abs absolutely, mate.","start":587.735,"end":591.855,"sentiment":"neutral","sentiment_score":-0.051791587844491005},{"text":"Absolutely.","start":591.855,"end":592.355,"sentiment":"neutral","sentiment_score":0.22769851982593536}],"sentiment":"negative","sentiment_score":-0.3781023986637592,"num_words":50,"start":571.08,"end":592.355},{"sentences":[{"text":"Yeah.","start":600.8,"end":601.3,"sentiment":"neutral","sentiment_score":0.12914608418941498},{"text":"I I think I need to.","start":607.305,"end":608.505,"sentiment":"neutral","sentiment_score":-0.09860693849623203},{"text":"And I also gonna get this check this this fellow in fire and rescue that that's up to he's a permo, and he's up to all the concessional cap concessional little loopholes in that that we can use as first responders in our tax system.","start":608.505,"end":621.81995,"sentiment":"neutral","sentiment_score":-0.09600798007514742},{"text":"He's he does cheat sheets up and that I might hit him up because he was just talking about it about half an year ago.","start":621.81995,"end":627.68,"sentiment":"neutral","sentiment_score":-0.2148312383890152},{"text":"And he said, make sure you tell your accountant you claim you wanna claim, what, 50% or or after your Medicare levy, 47% of your tax that you've paid in foreign rescue.","start":628.22,"end":638.97504,"sentiment":"neutral","sentiment_score":-0.11794219654984772}],"sentiment":"neutral","sentiment_score":-0.12777785228890018,"num_words":109,"start":600.8,"end":638.97504},{"sentences":[{"text":"You claim that back.","start":638.97504,"end":640.195,"sentiment":"neutral","sentiment_score":-0.15476016327738762},{"text":"I'm like, really?","start":640.335,"end":641.05505,"sentiment":"neutral","sentiment_score":-0.14426127076148987},{"text":"He's like, yeah.","start":641.05505,"end":641.775,"sentiment":"neutral","sentiment_score":-0.11524586379528046},{"text":"100%.","start":641.775,"end":642.41504,"sentiment":"neutral","sentiment_score":-0.02052624523639679},{"text":"You're allowed to.","start":642.41504,"end":643.47504,"sentiment":"neutral","sentiment_score":-0.03464230398337046}],"sentiment":"neutral","sentiment_score":-0.10871537242616926,"num_words":14,"start":638.97504,"end":643.47504},{"sentences":[{"text":"Doesn't matter what you've earned outside your job and all that, whether it's retained or permanent, you can.","start":644.335,"end":648.995,"sentiment":"neutral","sentiment_score":-0.10373753247161706},{"text":"I'm like, well, fucking hell.","start":649.67004,"end":650.71,"sentiment":"negative","sentiment_score":-0.5435381710529328},{"text":"What's my account doing?","start":650.71,"end":651.75,"sentiment":"neutral","sentiment_score":-0.29701973125338554},{"text":"I'm just getting railroaded.","start":651.75,"end":652.97003,"sentiment":"negative","sentiment_score":-0.47642598301172256},{"text":"Yeah.","start":661.19,"end":661.51,"sentiment":"neutral","sentiment_score":0.007595572620630264}],"sentiment":"neutral","sentiment_score":-0.23972355388104916,"num_words":32,"start":644.335,"end":661.51},{"sentences":[{"text":"I know.","start":661.51,"end":662.09,"sentiment":"neutral","sentiment_score":-0.04491417109966278},{"text":"Yeah.","start":663.34503,"end":663.745,"sentiment":"neutral","sentiment_score":-0.01140996627509594},{"text":"And and, like, even even, like, last couple of years, like, I've bought, you know, any in excess of 5 to $7,000 worth of tools for myself because I'm, you know, I'm setting myself up.","start":663.745,"end":677.47003,"sentiment":"neutral","sentiment_score":0.0007474654836447111},{"text":"I'm gonna start doing and I'm gonna do it on the books once me and Arthur shops.","start":678.41003,"end":682.17004,"sentiment":"neutral","sentiment_score":0.06462791759301634},{"text":"I'm gonna start I'm gonna start going and doing automotive and commercial air conditioning.","start":682.17004,"end":686.91003,"sentiment":"neutral","sentiment_score":0.08077066072395869}],"sentiment":"neutral","sentiment_score":0.03122299757492526,"num_words":69,"start":661.51,"end":686.91003},{"sentences":[{"text":"You know?","start":689.34503,"end":689.505,"sentiment":"neutral","sentiment_score":-0.01842869631946087},{"text":"And I'm buying I've bought a heap of tools and stuff like that.","start":689.505,"end":692.465,"sentiment":"neutral","sentiment_score":-0.05552104745919888},{"text":"And and I thought that would have done a a decent amount of of deductions on my tax, and I'm still paying tax.","start":692.465,"end":699.445,"sentiment":"negative","sentiment_score":-0.34350485581418744},{"text":"I'm still fucking paying tax tax time.","start":699.585,"end":702.005,"sentiment":"negative","sentiment_score":-0.737492493220738},{"text":"It's a fucking joke.","start":703.01996,"end":704.07996,"sentiment":"negative","sentiment_score":-0.6066983863711357}],"sentiment":"neutral","sentiment_score":-0.33160170798703115,"num_words":49,"start":689.34503,"end":704.07996},{"sentences":[{"text":"I'm fucking over it.","start":705.66,"end":706.54,"sentiment":"negative","sentiment_score":-0.7648634910583496},{"text":"And I mean, you're getting you're getting nothing back for your for your money with this government.","start":706.54,"end":710.13995,"sentiment":"negative","sentiment_score":-0.7380282458137063},{"text":"It just come full of shit.","start":710.13995,"end":711.83997,"sentiment":"negative","sentiment_score":-0.8626798490683237},{"text":"Yeah.","start":733.89996,"end":733.98,"sentiment":"neutral","sentiment_score":-0.08842019736766815},{"text":"Yeah.","start":733.98,"end":734.06,"sentiment":"neutral","sentiment_score":-0.07948391139507294}],"sentiment":"negative","sentiment_score":-0.7224109429737617,"num_words":29,"start":705.66,"end":734.06},{"sentences":[{"text":"That's it.","start":734.06,"end":734.88,"sentiment":"neutral","sentiment_score":-0.1514211744070053},{"text":"Yep.","start":737.1,"end":737.6,"sentiment":"neutral","sentiment_score":-0.19001510739326477},{"text":"And then they can't fix the road that you fucking drive on, and then the cops come out and are trying to nail everyone.","start":737.66,"end":743.1,"sentiment":"negative","sentiment_score":-0.5931336767971516},{"text":"It's like, why don't the council get fined because the roads are not fit for us to be fucking driving on?","start":743.1,"end":749.695,"sentiment":"negative","sentiment_score":-0.6496417692729405},{"text":"It's a fucking joke.","start":751.03503,"end":752.41504,"sentiment":"negative","sentiment_score":-0.5316588580608368}],"sentiment":"negative","sentiment_score":-0.586484197813731,"num_words":52,"start":734.06,"end":752.41504},{"sentences":[{"text":"Well, yeah, I have.","start":759.79,"end":760.91003,"sentiment":"neutral","sentiment_score":-0.16478846222162247},{"text":"And I'm like, fuck.","start":760.91003,"end":762.19,"sentiment":"negative","sentiment_score":-0.41561124473810196},{"text":"I've left me run too late.","start":762.19,"end":763.65,"sentiment":"negative","sentiment_score":-0.4878298093875249},{"text":"Because it it's not like I'm I'm try I wanna buy I wanna buy another property, like but, you know, my my house that I own at Aberdeen, I've turned it into a six bedroom house.","start":764.67,"end":775.41003,"sentiment":"neutral","sentiment_score":-0.08646090160537925},{"text":"And off the books, I'm renting some rooms out and making some nice cash on the side unbeknownst to anyone.","start":776.015,"end":784.35504,"sentiment":"neutral","sentiment_score":0.042366699688136576}],"sentiment":"neutral","sentiment_score":-0.10734051640278526,"num_words":70,"start":759.79,"end":784.35504},{"sentences":[{"text":"But I've been told by when if if I I do move because I don't wanna buy I don't wanna I I don't need to live in a six bedroom house.","start":785.735,"end":794.81995,"sentiment":"neutral","sentiment_score":-0.2105217511134763},{"text":"It's a beautiful big house, but I'm gonna rent it out one day and buy a property somewhere else.","start":794.81995,"end":799.45996,"sentiment":"neutral","sentiment_score":0.06459890521670643},{"text":"But it's gonna be positively geared because I'm gonna get about he could get people in there for a thousand bucks a week rent.","start":799.45996,"end":806.055,"sentiment":"neutral","sentiment_score":0.2578912951673071},{"text":"He's got people with big families that just cannot get a big enough place in the Upper Hunter that work in the Hunter Valley and the coal mines and that that and and, you know, other other industries that are up here.","start":807.975,"end":820.315,"sentiment":"neutral","sentiment_score":-0.09364364491332144},{"text":"You know, I could get a thousand bucks a week rent for my six bedroom house, and it's got, you know, it's got a massive solar system.","start":821.18,"end":826.86,"sentiment":"neutral","sentiment_score":-0.012838170484260277}],"sentiment":"neutral","sentiment_score":-0.02369977406167484,"num_words":143,"start":785.735,"end":826.86},{"sentences":[{"text":"It's got batteries.","start":826.86,"end":827.66,"sentiment":"neutral","sentiment_score":-0.10155944774548213},{"text":"It's got roller shutters.","start":827.66,"end":828.96,"sentiment":"neutral","sentiment_score":-0.2362486906349659},{"text":"Huge fucking huge facilities in the house.","start":829.42,"end":832.08,"sentiment":"negative","sentiment_score":-0.8479016423225403},{"text":"And, you know, it's I I paid $4.95 for it in 2018, and and I it's been valued at 1.1.","start":833.18,"end":839.795,"sentiment":"neutral","sentiment_score":-0.1386709062382579},{"text":"Yep.","start":842.095,"end":842.595,"sentiment":"neutral","sentiment_score":0.032733626663684845}],"sentiment":"neutral","sentiment_score":-0.283590545718159,"num_words":35,"start":826.86,"end":842.595},{"sentences":[{"text":"Oh, mate.","start":849.615,"end":850.26,"sentiment":"neutral","sentiment_score":0.2450558915734291},{"text":"Even if it's a thousand bucks a week rent, you know, I'm still that'll be positive geared 100%.","start":850.9,"end":856.58,"sentiment":"neutral","sentiment_score":0.3238971432050069},{"text":"I'll be paying tax on it.","start":856.58,"end":858.12,"sentiment":"neutral","sentiment_score":0.29753291110197705},{"text":"I won't be able to claim much.","start":858.5,"end":859.78,"sentiment":"neutral","sentiment_score":0.022255244398755685},{"text":"I mean, you can still claim back, but, you know, I've just gotta start.","start":859.78,"end":863.785,"sentiment":"neutral","sentiment_score":-0.07933925996933665}],"sentiment":"neutral","sentiment_score":0.15213818933339196,"num_words":47,"start":849.615,"end":863.785},{"sentences":[{"text":"I've got this you know, with this amount of income that I've got coming in and I will have for the next four or five years while Mount Arthur stays open, you know, it's just ridiculous, and I'm sick of paying so much fucking tax.","start":863.785,"end":875.245,"sentiment":"negative","sentiment_score":-0.3540723143352403},{"text":"Yes.","start":880.87,"end":881.19,"sentiment":"neutral","sentiment_score":-0.048769403249025345},{"text":"I know.","start":881.19,"end":881.85,"sentiment":"neutral","sentiment_score":-0.11252488940954208},{"text":"No.","start":883.99,"end":884.49,"sentiment":"neutral","sentiment_score":-0.1546420454978943},{"text":"Yep.","start":890.38995,"end":890.88995,"sentiment":"neutral","sentiment_score":-0.057463668286800385}],"sentiment":"neutral","sentiment_score":-0.32838358081877234,"num_words":50,"start":863.785,"end":890.88995},{"sentences":[{"text":"Yeah.","start":894.015,"end":894.335,"sentiment":"neutral","sentiment_score":-0.01634097844362259},{"text":"Absolutely.","start":894.335,"end":894.835,"sentiment":"neutral","sentiment_score":-0.011201083660125732},{"text":"Yeah.","start":894.895,"end":895.395,"sentiment":"neutral","sentiment_score":-0.01491783931851387},{"text":"Yeah.","start":895.455,"end":895.775,"sentiment":"neutral","sentiment_score":-0.03379172459244728},{"text":"It's 100%.","start":895.775,"end":896.815,"sentiment":"neutral","sentiment_score":-0.07156904600560665}],"sentiment":"neutral","sentiment_score":-0.036564953004320465,"num_words":6,"start":894.015,"end":896.815},{"sentences":[{"text":"And, you know, they need someone to fucking fork out for the over 51% of our population in Australia are on some sort of welfare.","start":896.815,"end":904.675,"sentiment":"negative","sentiment_score":-0.547158225774765},{"text":"Oh, yeah.","start":906.63,"end":907.03,"sentiment":"neutral","sentiment_score":-0.2706681936979294},{"text":"I'm up with the numbers on it.","start":907.03,"end":909.37,"sentiment":"neutral","sentiment_score":-0.18863264151981898},{"text":"Absolutely.","start":918.23,"end":918.73,"sentiment":"neutral","sentiment_score":-0.07764452695846558},{"text":"Yeah.","start":920.63,"end":921.13,"sentiment":"neutral","sentiment_score":-0.06415924429893494}],"sentiment":"negative","sentiment_score":-0.43562567482391995,"num_words":36,"start":896.815,"end":921.13},{"sentences":[{"text":"And and look what look what's happening with the look what's happening with the NDIS.","start":921.335,"end":925.675,"sentiment":"neutral","sentiment_score":-0.26769388318061826},{"text":"It's exactly what's happening over in America with the same shit.","start":925.815,"end":929.115,"sentiment":"negative","sentiment_score":-0.35064630887725134},{"text":"You go down to Lakemba Lakemba in Sydney, and there's a fucking there's a a childcare slash NDIS center slash disabled fucking center, you know, next door to one another, next door, next door.","start":930.695,"end":945.11,"sentiment":"neutral","sentiment_score":-0.32210222237250385},{"text":"Like, they're all fucking loaded up in Sydney.","start":945.11,"end":946.94995,"sentiment":"negative","sentiment_score":-0.5227787345647812},{"text":"And they've the fuckers do no business, but yet they're getting all these fucking concessions off the government.","start":946.94995,"end":951.495,"sentiment":"negative","sentiment_score":-0.5658984945880042}],"sentiment":"negative","sentiment_score":-0.3859580928503081,"num_words":86,"start":921.335,"end":951.495},{"sentences":[{"text":"It's a fucking joke.","start":954.595,"end":955.735,"sentiment":"negative","sentiment_score":-0.5573555529117584},{"text":"Yeah.","start":964.2,"end":964.7,"sentiment":"neutral","sentiment_score":0.009678874164819716},{"text":"And they're getting two two and $0.5 a week rent.","start":965.4,"end":968.78,"sentiment":"neutral","sentiment_score":0.0010661310283467174},{"text":"Yeah.","start":974.2,"end":974.7,"sentiment":"neutral","sentiment_score":0.12484776973724364},{"text":"Absolutely.","start":974.92004,"end":975.42004,"sentiment":"neutral","sentiment_score":0.3158588707447052}],"sentiment":"neutral","sentiment_score":-0.10402208157157634,"num_words":17,"start":954.595,"end":975.42004},{"sentences":[{"text":"And you've got and you've got that especially the NDIS up in Queensland is a lot more is a lot more better is a lot more lucrative and I think a bit more generous than the the New South Wales one is.","start":975.64,"end":987.315,"sentiment":"positive","sentiment_score":0.38548471743152257},{"text":"And that's why all these I see all these all these, you know, positive income houses for sale because I I I follow a few pages of of of mobs that are building these houses up in Yupoon and all that.","start":987.615,"end":1004.025,"sentiment":"neutral","sentiment_score":0.2558701078339321},{"text":"And I was always thinking I'd like to jump on board with one of them, and they they they they deal mainly in those NDIS houses.","start":1004.185,"end":1010.28503,"sentiment":"neutral","sentiment_score":0.010621003484210143},{"text":"And the amount of rent they get out of them a week is just insane.","start":1010.42505,"end":1014.125,"sentiment":"negative","sentiment_score":-0.3439078092575073},{"text":"Like, how the fuck how the fuck do I get on to one of them?","start":1015.86505,"end":1018.8,"sentiment":"negative","sentiment_score":-0.4917113681634267}],"sentiment":"neutral","sentiment_score":0.10376180563014832,"num_words":139,"start":975.64,"end":1018.8},{"sentences":[{"text":"Really?","start":1021.6,"end":1022.1,"sentiment":"neutral","sentiment_score":-0.10195326805114746},{"text":"Oh, really?","start":1029.92,"end":1030.66,"sentiment":"neutral","sentiment_score":-0.12252993881702423},{"text":"Yeah.","start":1039.7351,"end":1039.9751,"sentiment":"neutral","sentiment_score":-0.05776665359735489},{"text":"Right.","start":1039.9751,"end":1040.2151,"sentiment":"neutral","sentiment_score":-0.051565323024988174},{"text":"Okay.","start":1040.2151,"end":1040.7151,"sentiment":"neutral","sentiment_score":-0.06288101524114609}],"sentiment":"neutral","sentiment_score":-0.08653768959144752,"num_words":6,"start":1021.6,"end":1040.7151},{"sentences":[{"text":"Yeah.","start":1044.935,"end":1045.435,"sentiment":"neutral","sentiment_score":-0.049338459968566895},{"text":"You weren't in the purple do a do a little purple circle.","start":1047.255,"end":1053.6001,"sentiment":"neutral","sentiment_score":-0.059980119268099465},{"text":"See, and I was I was interested in talking to you to you about setting up a self managed super fund for me because of what my super was doing this year.","start":1053.6001,"end":1061.2001,"sentiment":"neutral","sentiment_score":-0.12142991053406149},{"text":"But now that the the government brought in all their fucking legislation around that, there's no point.","start":1061.2001,"end":1065.675,"sentiment":"negative","sentiment_score":-0.4995361987282248},{"text":"Because I've been I I'm being heavily into leveraging crypto and also and also The US stock market in the last twelve months.","start":1070.0549,"end":1082.62,"sentiment":"neutral","sentiment_score":0.010664000236631735}],"sentiment":"neutral","sentiment_score":-0.15178471060250612,"num_words":85,"start":1044.935,"end":1082.62},{"sentences":[{"text":"I've got a lot of unrealized fucking gains from the in the last twelve months.","start":1084.04,"end":1090.2001,"sentiment":"negative","sentiment_score":-0.49625228842099506},{"text":"Like, I'm I'm I'm leveraging crypto at the moment with a crypto group that I'm a part of.","start":1090.2001,"end":1095.065,"sentiment":"neutral","sentiment_score":-0.016696528557481036},{"text":"I'm making $3,000 US a day on it.","start":1095.845,"end":1099.065,"sentiment":"neutral","sentiment_score":0.02465542173013091},{"text":"Yes.","start":1106.005,"end":1106.37,"sentiment":"neutral","sentiment_score":-0.05157652869820595},{"text":"Yep.","start":1108.29,"end":1108.79,"sentiment":"neutral","sentiment_score":-0.007105787750333548}],"sentiment":"neutral","sentiment_score":-0.17687815774318782,"num_words":43,"start":1084.04,"end":1108.79},{"sentences":[{"text":"Yeah.","start":1120.545,"end":1121.045,"sentiment":"neutral","sentiment_score":-0.04119115322828293},{"text":"Because you can you can spread it across yeah.","start":1140.0,"end":1143.84,"sentiment":"neutral","sentiment_score":0.11065203944842021},{"text":"So that it can be diluted across a number of your investments.","start":1143.84,"end":1146.6599,"sentiment":"neutral","sentiment_score":0.06575509098668893},{"text":"It's not just in that sector.","start":1146.72,"end":1149.0349,"sentiment":"neutral","sentiment_score":0.03312403460343679},{"text":"Can it be diluted across so that it can lessen your lessen your fucking obligation or your liabilities?","start":1149.1749,"end":1155.6749,"sentiment":"neutral","sentiment_score":-0.051699645817279816}],"sentiment":"neutral","sentiment_score":0.021997584272985874,"num_words":46,"start":1120.545,"end":1155.6749},{"sentences":[{"text":"Yeah.","start":1163.7101,"end":1164.2101,"sentiment":"neutral","sentiment_score":-0.2168812155723572},{"text":"Yeah.","start":1171.79,"end":1172.1101,"sentiment":"neutral","sentiment_score":-0.06189197674393654},{"text":"Right.","start":1172.1101,"end":1172.3501,"sentiment":"neutral","sentiment_score":-0.0524236261844635},{"text":"Okay.","start":1172.3501,"end":1172.8501,"sentiment":"neutral","sentiment_score":-0.05639892816543579},{"text":"Yeah.","start":1180.2849,"end":1180.5249,"sentiment":"neutral","sentiment_score":0.06907273828983307}],"sentiment":"neutral","sentiment_score":-0.06370460167527199,"num_words":5,"start":1163.7101,"end":1180.5249},{"sentences":[{"text":"Well, absolutely.","start":1180.5249,"end":1181.4249,"sentiment":"neutral","sentiment_score":0.17846519500017166},{"text":"That's what I wanna do.","start":1181.485,"end":1182.445,"sentiment":"neutral","sentiment_score":0.21741555333137513},{"text":"And I've because I've I was aware of that, and I needed to speak to someone about it just so that I'm a 100% on the level as to my understanding of it.","start":1182.445,"end":1193.5499,"sentiment":"neutral","sentiment_score":0.05584306348905419},{"text":"But, like, I have no interest in I'm I'm putting I'm putting my own my a lot of my own capital into into this crypto and use US stocks venture that I've been involved in the last twelve months.","start":1194.25,"end":1210.425,"sentiment":"neutral","sentiment_score":-0.15456671009843165},{"text":"And I have no in no no unless, you know, unless I absolutely suck my finances up somehow, and then I have to pull money out that we live off, this is this is gonna be you know, this is like a five year plan so that when me and Arthur shuts in 2030, I can I can taper off on the hours?","start":1211.2051,"end":1227.86,"sentiment":"neutral","sentiment_score":-0.14627087633642885}],"sentiment":"neutral","sentiment_score":-0.08419956092421017,"num_words":142,"start":1180.5249,"end":1227.86},{"sentences":[{"text":"I could just go go and do fire and rescue full time or, you know, I can I can then live my life where I don't have to fucking do this shift work anymore to pay off my mortgages and get you know, I I I wanna do that?","start":1227.86,"end":1243.5951,"sentiment":"neutral","sentiment_score":-0.002848603781692836},{"text":"And that's why I don't want to I'm glad these clowns never got this unrealized gain tax in because at the moment, that would kill that would have fucking destroyed me.","start":1243.5951,"end":1254.82,"sentiment":"negative","sentiment_score":-0.40923485664590714},{"text":"Because I I'm I'm doing I'm doing so well.","start":1256.0,"end":1259.2,"sentiment":"negative","sentiment_score":-0.38176359898514217},{"text":"It's not funny.","start":1259.2,"end":1260.08,"sentiment":"negative","sentiment_score":-0.6187970836957296},{"text":"Like, it's fucking insane.","start":1260.08,"end":1261.38,"sentiment":"negative","sentiment_score":-0.6408648490905762}],"sentiment":"neutral","sentiment_score":-0.21543317895460254,"num_words":96,"start":1227.86,"end":1261.38},{"sentences":[{"text":"Well, trying to you know, I'm well, I I've been trying to do it as soon as possible.","start":1270.025,"end":1275.0651,"sentiment":"neutral","sentiment_score":-0.004435087191975779},{"text":"Like, I wanna buy some land back down closer to Maitland where my kids are, but I can still get to work.","start":1275.0651,"end":1280.3799,"sentiment":"neutral","sentiment_score":0.056464163501831616},{"text":"But, you know, if I leave Aberdeen Fire and Rescue, like, the standby money that I get from Fire and Rescue doing these standbys across the across the the Greater Hunter and and even I come at Wares Creek today, which is in the Tamworth area.","start":1281.0,"end":1293.955,"sentiment":"neutral","sentiment_score":0.06829021636234678},{"text":"You know, the money is unbelievable.","start":1296.095,"end":1297.955,"sentiment":"positive","sentiment_score":0.41020913422107697},{"text":"And where I am at Aberdeen at the moment, I am situated in such a lucrative spot.","start":1299.695,"end":1304.595,"sentiment":"neutral","sentiment_score":0.21222034956821623}],"sentiment":"neutral","sentiment_score":0.09516266723154881,"num_words":109,"start":1270.025,"end":1304.595},{"sentences":[{"text":"It's I you know, it's it's hard to I'm I'm having I'm having a bit of anxiety actually thinking about it, but I would like even if even if even if I don't buy a place that I wanna move into, you know, buying somewhere even if I buy a smaller place in town and rent the place out at Aberdeen and make that big money with the rent and stay in Aberdeen, yeah, I I I wanna do it because my house is just too big for me.","start":1305.23,"end":1334.1901,"sentiment":"neutral","sentiment_score":-0.10222438048948063},{"text":"You know, I've got a couple of people staying there.","start":1335.53,"end":1337.2101,"sentiment":"neutral","sentiment_score":-0.01210373230278492},{"text":"I'm getting $220 a week cash out of them.","start":1337.2101,"end":1340.11,"sentiment":"neutral","sentiment_score":-0.011376643346415626},{"text":"But, you know, at that that cash economy, I'm glad they never fucked that off.","start":1341.37,"end":1345.455,"sentiment":"neutral","sentiment_score":-0.23245560576518376},{"text":"But yeah.","start":1348.8949,"end":1349.635,"sentiment":"neutral","sentiment_score":0.014067675918340683}],"sentiment":"neutral","sentiment_score":-0.10224076569080352,"num_words":125,"start":1305.23,"end":1349.635},{"sentences":[{"text":"Okay.","start":1350.095,"end":1350.595,"sentiment":"neutral","sentiment_score":0.08976801484823227},{"text":"Well, give Albo a chance, mate.","start":1351.695,"end":1353.455,"sentiment":"neutral","sentiment_score":0.19389181584119797},{"text":"He he wants us to own nothing and be happy.","start":1353.455,"end":1355.7949,"sentiment":"neutral","sentiment_score":0.25010125041007997},{"text":"But oh, yeah.","start":1358.335,"end":1369.4901,"sentiment":"neutral","sentiment_score":0.003773563541471958},{"text":"Yeah.","start":1372.5901,"end":1372.91,"sentiment":"neutral","sentiment_score":-0.006416987627744675}],"sentiment":"neutral","sentiment_score":0.1790016722377567,"num_words":21,"start":1350.095,"end":1372.91},{"sentences":[{"text":"Right.","start":1372.91,"end":1373.41,"sentiment":"neutral","sentiment_score":-0.0213992353528738},{"text":"Yeah.","start":1383.765,"end":1384.005,"sentiment":"neutral","sentiment_score":0.001047203317284584},{"text":"Okay.","start":1384.005,"end":1384.505,"sentiment":"neutral","sentiment_score":0.0038216225802898407},{"text":"Yeah.","start":1389.285,"end":1389.785,"sentiment":"neutral","sentiment_score":-0.0033142827451229095},{"text":"Yeah.","start":1394.03,"end":1394.53,"sentiment":"neutral","sentiment_score":-0.027835626155138016}],"sentiment":"neutral","sentiment_score":-0.009536063671112061,"num_words":5,"start":1372.91,"end":1394.53},{"sentences":[{"text":"No.","start":1394.99,"end":1395.23,"sentiment":"neutral","sentiment_score":-0.08572456985712051},{"text":"I get that.","start":1395.23,"end":1395.7101,"sentiment":"neutral","sentiment_score":-0.05815096447865168},{"text":"Okay.","start":1395.7101,"end":1396.03,"sentiment":"neutral","sentiment_score":0.10327815264463425},{"text":"I do have a couple of really good contacts in let me contact Dan's real estate in Skane.","start":1396.03,"end":1401.47,"sentiment":"neutral","sentiment_score":0.24020650734504065},{"text":"He's really good.","start":1401.47,"end":1402.11,"sentiment":"positive","sentiment_score":0.4914417465527852}],"sentiment":"neutral","sentiment_score":0.21696704081617868,"num_words":26,"start":1394.99,"end":1402.11},{"sentences":[{"text":"He's gonna property manage my house when eventually I decide to do it because he's he's up to speed on what I wanna do.","start":1402.11,"end":1408.2251,"sentiment":"positive","sentiment_score":0.3529870497683684},{"text":"And I've got a fellow that owns a heap of property and, you know, leases out all these apartments down in Newcastle and that.","start":1409.005,"end":1415.9651,"sentiment":"neutral","sentiment_score":0.21413869814326367},{"text":"He's got his finger in the pie on the pulse really all the time with what's going on.","start":1415.9651,"end":1420.56,"sentiment":"neutral","sentiment_score":0.0679429103102949},{"text":"And I'm always asking him for hints and tips.","start":1420.56,"end":1422.9801,"sentiment":"neutral","sentiment_score":0.1242351225680775},{"text":"And he said to me, he said, if you wanna buy a place, just just tell me and I will find something that you want for you.","start":1423.12,"end":1429.6001,"sentiment":"neutral","sentiment_score":0.30192459954155815}],"sentiment":"neutral","sentiment_score":0.23631441790391416,"num_words":102,"start":1402.11,"end":1429.6001},{"sentences":[{"text":"And he won't even charge me.","start":1429.6001,"end":1431.2201,"sentiment":"neutral","sentiment_score":0.2568092842896779},{"text":"He's pretty good.","start":1434.295,"end":1435.175,"sentiment":"positive","sentiment_score":0.5752224326133728},{"text":"He's a family friend.","start":1435.175,"end":1441.9751,"sentiment":"neutral","sentiment_score":0.18626217171549797},{"text":"Yeah.","start":1443.5751,"end":1444.0751,"sentiment":"neutral","sentiment_score":0.0845421552658081},{"text":"See, I've got a bit I've got a little bit of personal debt I'm trying to wipe out, and that's what I'm thinking about using this crypto strategy to pull a bit pull money straight out and just demolish that little bit of personal debt that I've got just to smash that away.","start":1445.095,"end":1462.955,"sentiment":"neutral","sentiment_score":-0.035308803097819384}],"sentiment":"neutral","sentiment_score":0.03320518330629192,"num_words":67,"start":1429.6001,"end":1462.955},{"sentences":[{"text":"I have a loan.","start":1464.855,"end":1465.9149,"sentiment":"neutral","sentiment_score":-0.05707867629826069},{"text":"I had a I got a loan.","start":1466.615,"end":1467.975,"sentiment":"neutral","sentiment_score":-0.10085286093609673},{"text":"I had a I had a bad I had a bad breakup relationship breakdown, and I I pay I had to pay her out.","start":1467.975,"end":1477.9501,"sentiment":"neutral","sentiment_score":-0.29559412101904553},{"text":"And I'm in the hole at the moment on that one about I think I owe about $40.","start":1480.09,"end":1487.23,"sentiment":"neutral","sentiment_score":-0.2896747655338711},{"text":"Yeah.","start":1490.355,"end":1490.6749,"sentiment":"neutral","sentiment_score":-0.11647959053516388}],"sentiment":"neutral","sentiment_score":-0.24739201863606772,"num_words":54,"start":1464.855,"end":1490.6749},{"sentences":[{"text":"I'm just I I've got them literally, in in my in my crypto and and stocks thing at the moment, I've got more than enough money to pay it out, but I wanna figure out a way to do it so I don't I can pull money out of that and not pay fucking tax because I'm paying off debt.","start":1490.6749,"end":1503.87,"sentiment":"neutral","sentiment_score":-0.18441891800612212},{"text":"Yeah.","start":1509.2899,"end":1509.61,"sentiment":"neutral","sentiment_score":-0.208915114402771},{"text":"I know.","start":1509.61,"end":1510.19,"sentiment":"neutral","sentiment_score":-0.3098183274269104},{"text":"It's fucked.","start":1510.33,"end":1511.1499,"sentiment":"negative","sentiment_score":-0.6450300514698029},{"text":"Yep.","start":1518.3151,"end":1518.715,"sentiment":"neutral","sentiment_score":-0.0933695062994957}],"sentiment":"neutral","sentiment_score":-0.20116843119489425,"num_words":66,"start":1490.6749,"end":1518.715},{"sentences":[{"text":"Well, this is what this is what Omar has been talking to me talking to me today about, you know, coming up with a couple of companies and doing it through that.","start":1518.715,"end":1525.4551,"sentiment":"neutral","sentiment_score":-0.17408518167212605},{"text":"Yes.","start":1532.48,"end":1532.98,"sentiment":"neutral","sentiment_score":-0.12590312957763672},{"text":"Yeah.","start":1533.52,"end":1534.02,"sentiment":"neutral","sentiment_score":-0.1697063446044922},{"text":"Yes.","start":1537.76,"end":1538.16,"sentiment":"neutral","sentiment_score":0.06571413576602936},{"text":"I do.","start":1538.16,"end":1538.715,"sentiment":"neutral","sentiment_score":0.10915809869766235}],"sentiment":"neutral","sentiment_score":-0.15087310687915698,"num_words":37,"start":1518.715,"end":1538.715},{"sentences":[{"text":"Yeah.","start":1538.955,"end":1539.455,"sentiment":"neutral","sentiment_score":0.05416819453239441},{"text":"Yeah.","start":1545.195,"end":1545.595,"sentiment":"neutral","sentiment_score":0.04027691483497619},{"text":"Well, that's that's where a lot of that capital's come from.","start":1545.595,"end":1548.235,"sentiment":"neutral","sentiment_score":0.028981051069091667},{"text":"I I I I yeah.","start":1548.235,"end":1552.85,"sentiment":"neutral","sentiment_score":0.01480068825185299},{"text":"Exactly.","start":1552.85,"end":1553.33,"sentiment":"neutral","sentiment_score":0.008066928014159203}],"sentiment":"neutral","sentiment_score":0.026068791600042267,"num_words":19,"start":1538.955,"end":1553.33},{"sentences":[{"text":"So I didn't go out and spend it.","start":1553.33,"end":1555.2699,"sentiment":"neutral","sentiment_score":-0.07835384644567966},{"text":"Some of that money I should've used to pay off the debt, but I wanted to invest it instead.","start":1555.57,"end":1559.99,"sentiment":"neutral","sentiment_score":-0.08183323768408675},{"text":"That was a bit stupid, but I'm almost at a position where I can just go bang, get rid of that, and then I'm in a better spot.","start":1562.13,"end":1568.605,"sentiment":"neutral","sentiment_score":-0.18136268880750453},{"text":"But, yeah, I ended up my I ended up well, I started on consignment, and I still have and I I still have about a 150, maybe 200 depends on who you talk to.","start":1569.9451,"end":1581.74,"sentiment":"neutral","sentiment_score":0.05532291674000375},{"text":"About two nearly $200 worth of Pokemon cards there still, and they're going up every day.","start":1581.96,"end":1586.62,"sentiment":"neutral","sentiment_score":0.07586216065101326}],"sentiment":"neutral","sentiment_score":-0.03966708413901783,"num_words":105,"start":1553.33,"end":1586.62},{"sentences":[{"text":"Like, I've got one box there that's worth $15,000 just on its own.","start":1586.84,"end":1590.615,"sentiment":"neutral","sentiment_score":0.07708228006958961},{"text":"And and that's I've actually when I when I when I gave them to all my like, I I've been helping him out with his business.","start":1592.9349,"end":1601.255,"sentiment":"neutral","sentiment_score":0.2954636909640752},{"text":"I've been going and some of the money that I have that I had, I went and bought a couple of collections of people at really good prices and then sold gave them to on sale through him through his business in Sydney.","start":1601.255,"end":1613.9,"sentiment":"neutral","sentiment_score":0.2147867700388265},{"text":"But I ended up making about $250 out of that out of that transaction.","start":1614.36,"end":1618.86,"sentiment":"neutral","sentiment_score":0.206592786524977},{"text":"And I probably and I only probably outlaid a $100,000 total over the last probably ten years that I I built that collection.","start":1622.935,"end":1630.635,"sentiment":"neutral","sentiment_score":0.00717067556536716}],"sentiment":"neutral","sentiment_score":0.17627883417641416,"num_words":119,"start":1586.84,"end":1630.635},{"sentences":[{"text":"Oh, and and I just I I didn't see it coming, and I I was into it well before this, and I just could not believe that I somehow magically, you know, was already heavily invested into that into into the Pokemon cards because it is just nuts.","start":1635.06,"end":1655.345,"sentiment":"neutral","sentiment_score":-0.2676285144407302},{"text":"And it's just going.","start":1656.765,"end":1657.805,"sentiment":"neutral","sentiment_score":-0.2439010739326477},{"text":"And and and as far and as long as as long as we keep having kids, mate, Pokemon is not going anywhere.","start":1657.805,"end":1662.845,"sentiment":"neutral","sentiment_score":-0.1096307902850888},{"text":"It's a it's per Pokemon internationally is worth more than Disney.","start":1662.845,"end":1667.8601,"sentiment":"neutral","sentiment_score":0.10226577655835585},{"text":"It's the number one entertainment company out there, Pokemon and Nintendo.","start":1669.68,"end":1674.02,"sentiment":"neutral","sentiment_score":0.2615984786640514}],"sentiment":"neutral","sentiment_score":-0.12740774549699077,"num_words":96,"start":1635.06,"end":1674.02},{"sentences":[{"text":"It's worth more than Disney's second on the list.","start":1674.64,"end":1676.955,"sentiment":"neutral","sentiment_score":0.2266787588596344},{"text":"So and I just could not believe I I couldn't believe yeah.","start":1680.875,"end":1684.1549,"sentiment":"neutral","sentiment_score":-0.23202978167682886},{"text":"I just couldn't believe because that shit doesn't happen to me.","start":1684.1549,"end":1686.575,"sentiment":"negative","sentiment_score":-0.44498794999989594},{"text":"But I think under these these new investments and assets, I can mean things that the government's bringing out.","start":1689.9149,"end":1696.54,"sentiment":"negative","sentiment_score":-0.49572932563329997},{"text":"I'm probably lucky I sold it when I did because if I tried to sell it in the future, I'd have been fucked.","start":1696.54,"end":1703.8401,"sentiment":"negative","sentiment_score":-0.5893038861129595}],"sentiment":"negative","sentiment_score":-0.3866481428110116,"num_words":74,"start":1674.64,"end":1703.8401},{"sentences":[{"text":"Oh, that will clean me out.","start":1707.535,"end":1709.235,"sentiment":"negative","sentiment_score":-0.34077442189057666},{"text":"You know, because Yes.","start":1713.295,"end":1721.09,"sentiment":"neutral","sentiment_score":-0.02245574165135622},{"text":"I was actually looking at it this morning because I had to I've been waking up because the blokes that I'm dealing with are in The US.","start":1724.67,"end":1730.05,"sentiment":"neutral","sentiment_score":-0.08095046726089937},{"text":"And it's and and and it's on it's in a complete completely legit I've done me homework through contacts that I have in the industry.","start":1731.71,"end":1739.835,"sentiment":"neutral","sentiment_score":0.05120675832033157},{"text":"It's on it's on a completely legit globalized platform that I do it on.","start":1739.835,"end":1745.1951,"sentiment":"neutral","sentiment_score":0.12357511723946248}],"sentiment":"neutral","sentiment_score":-0.017235677824110576,"num_words":76,"start":1707.535,"end":1745.1951},{"sentences":[{"text":"These blokes are legit because I know there's been a lot of scamming going on with the stock markets.","start":1745.1951,"end":1750.96,"sentiment":"negative","sentiment_score":-0.5207996015485964},{"text":"And I I've actually lost a bit on The US stock market to some bad advice, but you live and you learn.","start":1750.96,"end":1756.96,"sentiment":"negative","sentiment_score":-0.40324853970245883},{"text":"And I had plenty of fucking plenty of backup to get out of that.","start":1756.96,"end":1760.32,"sentiment":"negative","sentiment_score":-0.47099436074495316},{"text":"I mean, it happens.","start":1760.32,"end":1761.2799,"sentiment":"neutral","sentiment_score":-0.109990319237113},{"text":"I learn a lot from it.","start":1761.2799,"end":1762.545,"sentiment":"neutral","sentiment_score":0.023315034806728363}],"sentiment":"negative","sentiment_score":-0.39477926802176694,"num_words":65,"start":1745.1951,"end":1762.545},{"sentences":[{"text":"But as it states today, probably, if I was to sell it all today, I could probably pull a $160 out of it.","start":1762.625,"end":1770.7251,"sentiment":"neutral","sentiment_score":-0.11066588791816132},{"text":"And that's and that that that that that was that was from about probably I don't know.","start":1773.425,"end":1779.3501,"sentiment":"neutral","sentiment_score":0.01597986720940646},{"text":"I probably started with about $50,000 Australian, and that's sorry.","start":1779.3501,"end":1783.27,"sentiment":"neutral","sentiment_score":-0.0607080489397049},{"text":"That's a 160,000 US.","start":1783.27,"end":1785.27,"sentiment":"neutral","sentiment_score":-0.08378186263144016},{"text":"That's what that's that's what I mean.","start":1785.27,"end":1787.03,"sentiment":"neutral","sentiment_score":-0.09044424550873893}],"sentiment":"neutral","sentiment_score":-0.06309795636134069,"num_words":61,"start":1762.625,"end":1787.03},{"sentences":[{"text":"I'm staying away from the Australian stock market.","start":1787.03,"end":1789.1901,"sentiment":"negative","sentiment_score":-0.3816765323281288},{"text":"They're too slow.","start":1789.1901,"end":1790.0901,"sentiment":"negative","sentiment_score":-0.43134116133054096},{"text":"The US stock market's got that good volatility that, you know, that you're you're looking for, especially if you're buying in volume.","start":1791.845,"end":1799.225,"sentiment":"neutral","sentiment_score":-0.0550055827903138},{"text":"And then, you know, if you understand crypto leveraging, you know, I'm making really, really good money on that every day because they're ten, fifteen minute trades because I'm longing and shorting crypto against Bitcoin.","start":1799.6849,"end":1813.17,"sentiment":"neutral","sentiment_score":0.04629054144024849},{"text":"But like like this this morning, on my way to the standby today, I sold.","start":1817.005,"end":1820.785,"sentiment":"neutral","sentiment_score":0.096551546951135}],"sentiment":"neutral","sentiment_score":-0.02998935432925102,"num_words":83,"start":1787.03,"end":1820.785},{"sentences":[{"text":"We made a we made a we made a investment.","start":1821.245,"end":1827.025,"sentiment":"neutral","sentiment_score":0.09512399770319462},{"text":"We made a trade at it was about 5AM.","start":1827.245,"end":1831.84,"sentiment":"neutral","sentiment_score":0.08151178517275387},{"text":"6AM, I I made the investment.","start":1832.86,"end":1834.88,"sentiment":"neutral","sentiment_score":0.08979760793348153},{"text":"And by 7AM, I was given a to close close that close that order immediately, and I made 3,000 US dollars just in one day.","start":1834.94,"end":1846.845,"sentiment":"neutral","sentiment_score":0.12109490692615509},{"text":"And and the night the night the night before, I made a thousand US.","start":1851.7849,"end":1856.07,"sentiment":"neutral","sentiment_score":0.139187364173787}],"sentiment":"neutral","sentiment_score":0.1124941791058518,"num_words":64,"start":1821.245,"end":1856.07},{"sentences":[{"text":"So it's just getting better and better.","start":1856.95,"end":1858.3899,"sentiment":"neutral","sentiment_score":0.32080976239272524},{"text":"Like, these blokes are just they're just on the on money.","start":1858.3899,"end":1861.4299,"sentiment":"neutral","sentiment_score":0.2644365118308501},{"text":"Like, I've I've signed a a a a contract with them.","start":1861.4299,"end":1865.83,"sentiment":"neutral","sentiment_score":0.2628509212623943},{"text":"It's all legit.","start":1865.83,"end":1866.8099,"sentiment":"positive","sentiment_score":0.46334215998649597},{"text":"I share with them 10% of the earnings at the end of three months.","start":1868.71,"end":1873.635,"sentiment":"neutral","sentiment_score":0.2591519472854478}],"sentiment":"neutral","sentiment_score":0.2839996487550113,"num_words":46,"start":1856.95,"end":1873.635},{"sentences":[{"text":"The profit we only only pay 10% of my profit to them, and, you know, I'm learning all about crypto leveraging in US stocks and how to read the stock market.","start":1875.615,"end":1883.73,"sentiment":"neutral","sentiment_score":0.08695481260938029},{"text":"I hope so.","start":1891.97,"end":1892.53,"sentiment":"positive","sentiment_score":0.4555813670158386},{"text":"Yeah.","start":1892.53,"end":1892.85,"sentiment":"neutral","sentiment_score":0.19432124495506287},{"text":"Absolutely.","start":1892.85,"end":1893.35,"sentiment":"neutral","sentiment_score":0.1972050815820694},{"text":"Yeah.","start":1898.3251,"end":1898.645,"sentiment":"neutral","sentiment_score":0.05269034579396248}],"sentiment":"neutral","sentiment_score":0.12179891795322702,"num_words":37,"start":1875.615,"end":1898.645},{"sentences":[{"text":"Yeah.","start":1898.645,"end":1898.805,"sentiment":"neutral","sentiment_score":0.06643394380807877},{"text":"So I mean, well, my answer my answer was shot well, in four years.","start":1898.805,"end":1904.165,"sentiment":"neutral","sentiment_score":0.03541143810642617},{"text":"Sorry.","start":1904.165,"end":1904.485,"sentiment":"neutral","sentiment_score":-0.10937605798244476},{"text":"So it was four years.","start":1904.485,"end":1905.785,"sentiment":"neutral","sentiment_score":-0.12062020897865296},{"text":"It shuts on the it was gonna shut on the June 2030.","start":1905.845,"end":1910.75,"sentiment":"neutral","sentiment_score":-0.10181606188416481}],"sentiment":"neutral","sentiment_score":-0.0415780535814437,"num_words":33,"start":1898.645,"end":1910.75},{"sentences":[{"text":"Yeah.","start":1914.9701,"end":1915.29,"sentiment":"neutral","sentiment_score":0.014423244632780552},{"text":"And so they're gonna they're gonna they're gonna pay us out our redundancies on the July 1.","start":1915.29,"end":1919.87,"sentiment":"neutral","sentiment_score":0.06651041522512541},{"text":"Absolute absolutely.","start":1929.785,"end":1930.925,"sentiment":"neutral","sentiment_score":0.28186921775341034},{"text":"Well yeah.","start":1932.9851,"end":1933.625,"sentiment":"neutral","sentiment_score":0.08629095181822777},{"text":"Like 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sufficient.","start":1952.085,"end":1954.825,"sentiment":"neutral","sentiment_score":0.07975862858196099}],"sentiment":"neutral","sentiment_score":0.13645445967191144,"num_words":57,"start":1937.72,"end":1954.825},{"sentences":[{"text":"You know, they made they made bank on on on investment, not property investing, and when negative gearing was was was the go back in the late nineties and early thousands.","start":1955.9249,"end":1966.345,"sentiment":"neutral","sentiment_score":0.006665383976313376},{"text":"But, you know, they made their fortune on that, and they're self funded retirees.","start":1967.63,"end":1971.8099,"sentiment":"neutral","sentiment_score":0.17140858992934227},{"text":"And I want that for myself.","start":1972.2699,"end":1973.6499,"sentiment":"neutral","sentiment_score":0.2298415427406629},{"text":"Yeah.","start":1983.015,"end":1983.335,"sentiment":"neutral","sentiment_score":0.10375752300024033},{"text":"Well.","start":1983.335,"end":1983.835,"sentiment":"neutral","sentiment_score":0.10981517285108566}],"sentiment":"neutral","sentiment_score":0.0792258323504115,"num_words":53,"start":1955.9249,"end":1983.835},{"sentences":[{"text":"Well.","start":1988.695,"end":1989.195,"sentiment":"neutral","sentiment_score":0.06428389996290207},{"text":"100%.","start":2007.855,"end":2008.5751,"sentiment":"neutral","sentiment_score":-0.08402114361524582},{"text":"And that's the way it should be.","start":2008.5751,"end":2010.035,"sentiment":"neutral","sentiment_score":-0.24671483039855957},{"text":"Yeah.","start":2013.375,"end":2013.615,"sentiment":"neutral","sentiment_score":-0.12875132262706757},{"text":"Well, I've never got a handout in my life.","start":2013.615,"end":2015.6951,"sentiment":"neutral","sentiment_score":-0.2896535098552704}],"sentiment":"neutral","sentiment_score":-0.23591441935614535,"num_words":19,"start":1988.695,"end":2015.6951},{"sentences":[{"text":"Like, you know, I'm a I'm through my mom's side, I'm a descendant, but we've never had a handout in our life.","start":2015.6951,"end":2023.78,"sentiment":"neutral","sentiment_score":-0.18114859543063425},{"text":"Like, you know, my parents taught me that anything you want in your life, you gotta work your fucking ass out for.","start":2023.78,"end":2028.9199,"sentiment":"neutral","sentiment_score":-0.2311646562408317},{"text":"And that's that's exactly what I've done.","start":2031.14,"end":2033.1599,"sentiment":"neutral","sentiment_score":0.09513626566955022},{"text":"I'm trying to teach my kids the same.","start":2033.22,"end":2035.1599,"sentiment":"neutral","sentiment_score":0.23154561780393124},{"text":"Well well, Chloe, yes.","start":2041.135,"end":2043.135,"sentiment":"neutral","sentiment_score":0.027928204275667667}],"sentiment":"neutral","sentiment_score":-0.10223587170716315,"num_words":63,"start":2015.6951,"end":2043.135},{"sentences":[{"text":"She's she's she's only in year 10.","start":2043.135,"end":2044.895,"sentiment":"neutral","sentiment_score":0.014012622913079602},{"text":"Well, she was in year nine, actually.","start":2044.895,"end":2046.515,"sentiment":"neutral","sentiment_score":0.041543436901909966},{"text":"She got her first job.","start":2046.975,"end":2048.435,"sentiment":"neutral","sentiment_score":0.08321563750505448},{"text":"She got her first job, and she works at KFC at Green Hills.","start":2049.3699,"end":2052.51,"sentiment":"neutral","sentiment_score":0.11097556868424782},{"text":"Soon as she could work, she just wanted to go and get a job.","start":2054.17,"end":2056.65,"sentiment":"neutral","sentiment_score":0.0586466480578695}],"sentiment":"neutral","sentiment_score":0.06671100156381726,"num_words":46,"start":2043.135,"end":2056.65},{"sentences":[{"text":"Yeah.","start":2056.65,"end":2056.89,"sentiment":"neutral","sentiment_score":0.10385186225175858},{"text":"So she's she's she's definitely taken a leaf out of my book.","start":2056.89,"end":2060.89,"sentiment":"neutral","sentiment_score":0.0955557394772768},{"text":"That's for sure, which is good.","start":2060.89,"end":2064.035,"sentiment":"neutral","sentiment_score":0.24609841654698053},{"text":"But I told her, I said, Chloe, don't ever have your fucking hand out.","start":2064.7349,"end":2067.855,"sentiment":"neutral","sentiment_score":0.011275490180456208},{"text":"If you want something, you work for it.","start":2067.855,"end":2069.775,"sentiment":"neutral","sentiment_score":0.0457063177600503}],"sentiment":"neutral","sentiment_score":0.0792833814601891,"num_words":41,"start":2056.65,"end":2069.775},{"sentences":[{"text":"Then you can say that you never leaned on anyone for it.","start":2069.775,"end":2072.915,"sentiment":"neutral","sentiment_score":-0.04845872769753138},{"text":"Absolutely.","start":2086.0698,"end":2086.5698,"sentiment":"neutral","sentiment_score":0.2317758351564407},{"text":"Alright.","start":2090.625,"end":2091.125,"sentiment":"neutral","sentiment_score":0.1829824298620224},{"text":"Absolutely.","start":2093.5051,"end":2094.0051,"sentiment":"neutral","sentiment_score":-0.010602807626128197},{"text":"And and and, of course, like, when I go, whenever that is down the track, I still wanna have something there to give give the kids so they can spread it out and make everyone's lives easier in the in the family.","start":2094.065,"end":2105.06,"sentiment":"positive","sentiment_score":0.36898405175833476}],"sentiment":"neutral","sentiment_score":0.2687715947170529,"num_words":57,"start":2069.775,"end":2105.06},{"sentences":[{"text":"Yeah.","start":2119.115,"end":2119.435,"sentiment":"neutral","sentiment_score":0.015155092813074589},{"text":"Well oh, absolutely.","start":2119.435,"end":2120.735,"sentiment":"neutral","sentiment_score":0.060738412042458854},{"text":"And and I I need to I need to be filled in on that information by the right people, because I'm trying to do that.","start":2120.875,"end":2130.93,"sentiment":"neutral","sentiment_score":0.022387969396077095},{"text":"Yep.","start":2144.13,"end":2144.63,"sentiment":"neutral","sentiment_score":0.03490832820534706},{"text":"Yes.","start":2150.685,"end":2151.185,"sentiment":"neutral","sentiment_score":0.039580605924129486}],"sentiment":"neutral","sentiment_score":0.026824467676511456,"num_words":31,"start":2119.115,"end":2151.185},{"sentences":[{"text":"Yes.","start":2160.18,"end":2160.68,"sentiment":"neutral","sentiment_score":-0.042194075882434845},{"text":"Absolutely.","start":2187.545,"end":2188.045,"sentiment":"neutral","sentiment_score":0.2474645972251892},{"text":"Yeah.","start":2195.24,"end":2195.48,"sentiment":"neutral","sentiment_score":0.1425323188304901},{"text":"That'd be cool.","start":2195.48,"end":2196.38,"sentiment":"neutral","sentiment_score":0.17408348123232523},{"text":"But yeah.","start":2197.16,"end":2197.64,"sentiment":"neutral","sentiment_score":0.04100953135639429}],"sentiment":"neutral","sentiment_score":0.1190090433228761,"num_words":8,"start":2160.18,"end":2197.64},{"sentences":[{"text":"So what are you gonna just look at my super as far as what what those life insurances can do?","start":2197.64,"end":2205.4849,"sentiment":"neutral","sentiment_score":-0.003392994962632656},{"text":"And because, yeah, I I just the $1,010,010 thousand dollars annually, that's just insane.","start":2205.4849,"end":2212.145,"sentiment":"neutral","sentiment_score":-0.04715960552649839},{"text":"Considering what I what what I was what I was paying for it only a couple of years ago, it's doubled.","start":2214.525,"end":2219.2998,"sentiment":"neutral","sentiment_score":-0.19387190196929233},{"text":"Yeah.","start":2232.875,"end":2233.375,"sentiment":"neutral","sentiment_score":-0.04553719982504845},{"text":"Why is mine going up so high?","start":2234.715,"end":2236.655,"sentiment":"neutral","sentiment_score":-0.2687308724437441}],"sentiment":"neutral","sentiment_score":-0.1067628194430163,"num_words":63,"start":2197.64,"end":2236.655},{"sentences":[{"text":"Well, that's that's fucking whoever whoever that that's one path.","start":2240.075,"end":2243.9949,"sentiment":"negative","sentiment_score":-0.5496551364660263},{"text":"They're they're fucked in the head.","start":2243.9949,"end":2258.59,"sentiment":"negative","sentiment_score":-0.4511331468820572},{"text":"Yes.","start":2258.59,"end":2258.895,"sentiment":"neutral","sentiment_score":-0.11576010286808014},{"text":"And they've taken it taken the liberty the the liberty of all things that they can only come with us.","start":2260.735,"end":2265.775,"sentiment":"neutral","sentiment_score":-0.28950592800974845},{"text":"We're just gonna overinflate his fucking insurance premiums.","start":2265.775,"end":2268.435,"sentiment":"negative","sentiment_score":-0.743023656308651}],"sentiment":"negative","sentiment_score":-0.44563151465521916,"num_words":45,"start":2240.075,"end":2268.435},{"sentences":[{"text":"Yeah.","start":2283.4702,"end":2283.9702,"sentiment":"neutral","sentiment_score":-0.051879964768886566},{"text":"See, I just I just can't believe that they're really the only the only insurance companies that you know, we've got a large amount of people in in New South Wales, especially, that are in fire and rescue and that are in coal mining.","start":2284.27,"end":2298.105,"sentiment":"neutral","sentiment_score":-0.19545568966052748},{"text":"Like, it's fucking bullshit.","start":2298.645,"end":2300.025,"sentiment":"negative","sentiment_score":-0.7507752180099487},{"text":"Yeah.","start":2313.72,"end":2314.04,"sentiment":"neutral","sentiment_score":-0.023633483797311783},{"text":"Right 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it's bullshit.","start":2355.095,"end":2359.195,"sentiment":"negative","sentiment_score":-0.38540247601011524},{"text":"It's fucking that's fucking disgraceful.","start":2361.27,"end":2363.05,"sentiment":"negative","sentiment_score":-0.6915456354618073},{"text":"Yeah.","start":2376.545,"end":2376.785,"sentiment":"neutral","sentiment_score":-0.07384558022022247},{"text":"Right.","start":2376.785,"end":2377.025,"sentiment":"neutral","sentiment_score":-0.05967674031853676},{"text":"I saw and and and what's what what is the what is the stipulations around that that income protection?","start":2377.025,"end":2382.545,"sentiment":"neutral","sentiment_score":-0.05853700755458129}],"sentiment":"neutral","sentiment_score":-0.27689205284933655,"num_words":49,"start":2355.095,"end":2382.545},{"sentences":[{"text":"Is it what?","start":2382.545,"end":2383.025,"sentiment":"neutral","sentiment_score":-0.03632586138943831},{"text":"75%, 8080%?","start":2383.025,"end":2385.105,"sentiment":"neutral","sentiment_score":-0.022144684568047523},{"text":"What is it?","start":2385.105,"end":2386.005,"sentiment":"neutral","sentiment_score":-0.040517461796601616},{"text":"Right.","start":2391.56,"end":2392.06,"sentiment":"neutral","sentiment_score":-0.02592875063419342},{"text":"Yeah.","start":2396.68,"end":2396.92,"sentiment":"neutral","sentiment_score":-0.033395811915397644}],"sentiment":"neutral","sentiment_score":-0.03341439012438059,"num_words":10,"start":2382.545,"end":2396.92},{"sentences":[{"text":"But what what are they what are they charging 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needed.","start":2440.605,"end":2450.04,"sentiment":"neutral","sentiment_score":0.043216090072833356},{"text":"Mhmm.","start":2461.4148,"end":2461.575,"sentiment":"neutral","sentiment_score":0.021921303123235703},{"text":"Yeah.","start":2461.575,"end":2461.815,"sentiment":"neutral","sentiment_score":0.025583302602171894}],"sentiment":"neutral","sentiment_score":0.03845863703638315,"num_words":25,"start":2433.4849,"end":2461.815},{"sentences":[{"text":"Okay.","start":2461.815,"end":2462.315,"sentiment":"neutral","sentiment_score":-0.013929171487689018},{"text":"Yeah.","start":2493.6848,"end":2494.005,"sentiment":"neutral","sentiment_score":0.03060673736035824},{"text":"Well, Get on that.","start":2494.005,"end":2497.7168,"sentiment":"neutral","sentiment_score":0.012388477567583323},{"text":"Is that 70% 70 percent or 70 yeah.","start":2498.31,"end":2503.75,"sentiment":"neutral","sentiment_score":-0.010429245186969638},{"text":"Okay.","start":2503.75,"end":2504.25,"sentiment":"neutral","sentiment_score":0.012643618509173392}],"sentiment":"neutral","sentiment_score":-0.0003039244562387472,"num_words":15,"start":2461.815,"end":2504.25},{"sentences":[{"text":"Let's see.","start":2506.31,"end":2506.63,"sentiment":"neutral","sentiment_score":0.011441132985055447},{"text":"Fire fire and rest fire and rest fire and rescue, like, if I didn't if if I didn't have to pull an income out of fire and rescue, I'd be covered by fire and rescue for me is only just, like, cream on the top.","start":2506.63,"end":2522.28,"sentiment":"neutral","sentiment_score":-0.02809624828191267},{"text":"Really?","start":2523.24,"end":2523.74,"sentiment":"neutral","sentiment_score":-0.03815785050392151},{"text":"I could survive without it.","start":2525.32,"end":2527.02,"sentiment":"neutral","sentiment_score":-0.10144294947385787},{"text":"But what because well, so what's what's what's the what's the what's the 10%?","start":2529.16,"end":2533.56,"sentiment":"neutral","sentiment_score":-0.0328623417631856}],"sentiment":"neutral","sentiment_score":-0.033535735660802514,"num_words":67,"start":2506.31,"end":2533.56},{"sentences":[{"text":"What's that asking about?","start":2533.56,"end":2534.68,"sentiment":"neutral","sentiment_score":-0.029545436147600412},{"text":"How much time I give to Fire and Rescue?","start":2534.68,"end":2536.76,"sentiment":"neutral","sentiment_score":-0.03461546368069119},{"text":"Or because it's only a part time job.","start":2536.76,"end":2540.0352,"sentiment":"neutral","sentiment_score":-0.063417405821383},{"text":"It's I'm only on call.","start":2540.0352,"end":2541.735,"sentiment":"neutral","sentiment_score":-0.10779993683099746},{"text":"It's not like I turn up the fire a station every day.","start":2544.115,"end":2547.175,"sentiment":"neutral","sentiment_score":-0.014481236382077137}],"sentiment":"neutral","sentiment_score":-0.043416702237568404,"num_words":38,"start":2533.56,"end":2547.175},{"sentences":[{"text":"Yeah.","start":2559.68,"end":2559.92,"sentiment":"neutral","sentiment_score":0.01112193800508976},{"text":"Because because when I do stand by, it's it's it's over a $100 an hour.","start":2559.92,"end":2564.0999,"sentiment":"neutral","sentiment_score":0.0060006514346847934},{"text":"That's why the income's so so high, but I don't spend the hours at the station.","start":2565.3599,"end":2570.955,"sentiment":"neutral","sentiment_score":-0.2871095676673576},{"text":"No way.","start":2570.955,"end":2571.275,"sentiment":"negative","sentiment_score":-0.3668951690196991},{"text":"We're you know, Aberdeen, we don't get many calls a year compared to big bigger stations around around the area.","start":2571.275,"end":2579.115,"sentiment":"neutral","sentiment_score":-0.19302651211619376}],"sentiment":"neutral","sentiment_score":-0.1682767028428821,"num_words":54,"start":2559.68,"end":2579.115},{"sentences":[{"text":"Like, the hours that I I put in are are other stations, but they're not that many hours considering it's just a high hourly rate.","start":2579.115,"end":2589.29,"sentiment":"neutral","sentiment_score":-0.12955705285072328},{"text":"Like, it's double time.","start":2589.29,"end":2590.59,"sentiment":"neutral","sentiment_score":0.07068829145282507},{"text":"Plus, I get little lurks and perks and allowances on these standbys that I claim that boosts my earnings.","start":2591.4502,"end":2598.065,"sentiment":"neutral","sentiment_score":0.3324283220266041},{"text":"But I'm I've you know, 10% of my year, of my working time a year would even or would for me be a stretch compared to how much I work at Mount Arthur in the mines.","start":2598.065,"end":2610.82,"sentiment":"neutral","sentiment_score":-0.22738694896300635},{"text":"If that's what they think, that's that's what they think I do.","start":2614.08,"end":2616.32,"sentiment":"neutral","sentiment_score":-0.12897971334556738}],"sentiment":"neutral","sentiment_score":-0.06639293499756604,"num_words":96,"start":2579.115,"end":2616.32},{"sentences":[{"text":"I'm I'm only an on call firefighter.","start":2616.32,"end":2617.86,"sentiment":"neutral","sentiment_score":-0.08662650734186172},{"text":"I'm not a full timey.","start":2617.9202,"end":2619.06,"sentiment":"neutral","sentiment_score":-0.14713024497032165},{"text":"Are you there?","start":2632.845,"end":2633.61,"sentiment":"neutral","sentiment_score":-0.06824209292729695},{"text":"What 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shifts.","start":2687.435,"end":2688.5552,"sentiment":"neutral","sentiment_score":0.04813751485198736}],"sentiment":"neutral","sentiment_score":-0.06295357442771395,"num_words":24,"start":2662.115,"end":2688.5552},{"sentences":[{"text":"I'm on the lifestyle roster, which is the five and four, four and five.","start":2688.5552,"end":2692.81,"sentiment":"neutral","sentiment_score":0.055795224250427315},{"text":"And Fire and Rescue, like, per fortnight, I'm I'd be lucky to be doing ten to fifteen hours total a fortnight.","start":2695.51,"end":2702.73,"sentiment":"neutral","sentiment_score":0.01314138833965574},{"text":"If you averaged it out.","start":2706.405,"end":2707.9448,"sentiment":"neutral","sentiment_score":0.011924662441015244},{"text":"Yep.","start":2717.7,"end":2718.2,"sentiment":"neutral","sentiment_score":0.2462407946586609},{"text":"Plus that that's before overtime.","start":2723.46,"end":2726.66,"sentiment":"neutral","sentiment_score":0.012138595746364444}],"sentiment":"neutral","sentiment_score":0.030949116961615484,"num_words":46,"start":2688.5552,"end":2726.66},{"sentences":[{"text":"So, like, you know, that's excluding overtime.","start":2726.66,"end":2728.68,"sentiment":"neutral","sentiment_score":0.03909980718578611},{"text":"Like, I'm doing I'm doing two to three overtime shifts a month.","start":2728.74,"end":2733.085,"sentiment":"neutral","sentiment_score":0.04837103250126044},{"text":"It's twelve hours.","start":2741.385,"end":2742.345,"sentiment":"neutral","sentiment_score":-0.00010398651162783305},{"text":"I I get twelve hours.","start":2742.345,"end":2743.545,"sentiment":"neutral","sentiment_score":-0.012473313137888908},{"text":"I'm I'm not turning up for ten or 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sweet.","start":2900.535,"end":2901.175,"sentiment":"positive","sentiment_score":0.4980924725532532},{"text":"And can you can you give me a while you do that?","start":2901.175,"end":2907.595,"sentiment":"neutral","sentiment_score":0.11610722355544567}],"sentiment":"neutral","sentiment_score":0.20084784304102263,"num_words":18,"start":2896.8,"end":2907.595},{"sentences":[{"text":"I can afford it.","start":2908.375,"end":2909.675,"sentiment":"neutral","sentiment_score":0.13917880319058895},{"text":"Should I should I do some pretax sacrificing to my super through I do already do it $250 a fortnight through Fire and Rescue.","start":2909.9749,"end":2920.8599,"sentiment":"neutral","sentiment_score":0.08629222788537542},{"text":"Should I do it with my with my coal mining job as well?","start":2921.32,"end":2925.58,"sentiment":"neutral","sentiment_score":0.07015331662618197},{"text":"Because I I can I can I can trim some I can trim some fat off that because I'm earning good money there 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out.","start":2951.07,"end":2959.285,"sentiment":"negative","sentiment_score":-0.42959551971692306}],"sentiment":"neutral","sentiment_score":-0.3006579117104411,"num_words":50,"start":2941.71,"end":2959.285},{"sentences":[{"text":"And I've done it on my mobile phone.","start":2959.985,"end":2961.7449,"sentiment":"neutral","sentiment_score":-0.2019624002277851},{"text":"I've done it on a fucking desktop computer.","start":2961.7449,"end":2964.005,"sentiment":"negative","sentiment_score":-0.33950481191277504},{"text":"It just doesn't like me.","start":2964.385,"end":2965.7449,"sentiment":"negative","sentiment_score":-0.5989712715148926},{"text":"I don't know what to do.","start":2965.7449,"end":2967.125,"sentiment":"negative","sentiment_score":-0.4514916290839513},{"text":"Because I wanna get on the ATL app and fucking keep an eye on me taxes.","start":2967.5,"end":2970.8599,"sentiment":"negative","sentiment_score":-0.41106244549155235}],"sentiment":"negative","sentiment_score":-0.3863382083038951,"num_words":43,"start":2959.985,"end":2970.8599},{"sentences":[{"text":"I'm sick of it.","start":2970.8599,"end":2971.8398,"sentiment":"negative","sentiment_score":-0.5247990414500237},{"text":"Yeah.","start":2985.625,"end":2985.7852,"sentiment":"neutral","sentiment_score":-0.012735605239868164},{"text":"Right.","start":2985.7852,"end":2986.2852,"sentiment":"neutral","sentiment_score":-0.0052189817652106285},{"text":"Yeah.","start":2988.345,"end":2988.825,"sentiment":"neutral","sentiment_score":-0.005211422219872475},{"text":"I normally I I normally for that for that shit, I normally call me account, and then he can get into that shit straight up and send me an email with it all on it.","start":2988.825,"end":2997.0898,"sentiment":"neutral","sentiment_score":-0.022210594213434628}],"sentiment":"neutral","sentiment_score":-0.06904126124988709,"num_words":42,"start":2970.8599,"end":2997.0898},{"sentences":[{"text":"I've done that before.","start":2997.0898,"end":2998.0698,"sentiment":"neutral","sentiment_score":-0.07023035082966089},{"text":"He's pretty good.","start":2998.45,"end":2999.43,"sentiment":"neutral","sentiment_score":-0.060449741780757904},{"text":"But I just don't think he's up to speed with this fucking these allowances and all that kind of shit, the tax concessions that I'm entitled to being in fire and rescue.","start":3001.3298,"end":3009.27,"sentiment":"negative","sentiment_score":-0.5219638952985406},{"text":"I think it might have caught in again.","start":3024.6099,"end":3032.23,"sentiment":"negative","sentiment_score":-0.37997572869062424},{"text":"Are you there?","start":3056.63,"end":3057.3699,"sentiment":"neutral","sentiment_score":-0.13699421534935632}],"sentiment":"negative","sentiment_score":-0.4123180750757456,"num_words":50,"start":2997.0898,"end":3057.3699},{"sentences":[{"text":"Yeah.","start":3059.11,"end":3059.35,"sentiment":"neutral","sentiment_score":-0.21559911966323853},{"text":"She's cut out again.","start":3059.35,"end":3060.49,"sentiment":"negative","sentiment_score":-0.6411562711000443},{"text":"You fucking stupid service.","start":3064.31,"end":3066.17,"sentiment":"negative","sentiment_score":-0.7768282890319824},{"text":"Are you there still?","start":3087.86,"end":3089.0,"sentiment":"neutral","sentiment_score":-0.305443175137043},{"text":"Hello?","start":3090.6602,"end":3091.1602,"sentiment":"neutral","sentiment_score":-0.08750206232070923}],"sentiment":"negative","sentiment_score":-0.5140580087900162,"num_words":14,"start":3059.11,"end":3091.1602},{"sentences":[{"text":"Fuck, mate.","start":3092.7249,"end":3093.045,"sentiment":"negative","sentiment_score":-0.6536420285701752},{"text":"It just just went silent again on me.","start":3093.045,"end":3095.305,"sentiment":"negative","sentiment_score":-0.5962236672639847},{"text":"Yeah.","start":3106.165,"end":3106.59,"sentiment":"neutral","sentiment_score":-0.03140300139784813},{"text":"Yes.","start":3108.11,"end":3108.61,"sentiment":"neutral","sentiment_score":0.09314657747745514},{"text":"Wait.","start":3115.07,"end":3115.57,"sentiment":"neutral","sentiment_score":0.008037176914513111}],"sentiment":"negative","sentiment_score":-0.4620994340198544,"num_words":13,"start":3092.7249,"end":3115.57},{"sentences":[{"text":"Alright.","start":3116.35,"end":3116.85,"sentiment":"positive","sentiment_score":0.36717745661735535},{"text":"Because, yeah, I can I can hate I can very easily I've got the form there at work where I can put it into payroll at BHP and do some pretax contributions?","start":3117.87,"end":3128.575,"sentiment":"neutral","sentiment_score":-0.16092359484173357},{"text":"That's fine.","start":3128.955,"end":3129.435,"sentiment":"neutral","sentiment_score":0.1534181758761406},{"text":"I've certainly got the the fat there for it as far as earnings, but but, yeah, if we're gonna get a bit of a new direction on my on my super and get it fucking banging out some some some growth again, well, you know, it just seems like the last twelve months, I've just banged in a bit of money into it, and it's just going straight out the ass end.","start":3129.435,"end":3152.0352,"sentiment":"negative","sentiment_score":-0.3537469096999202},{"text":"I looked at it the other day, and I went, what the fuck?","start":3156.5752,"end":3159.3,"sentiment":"negative","sentiment_score":-0.35969860966388995}],"sentiment":"neutral","sentiment_score":-0.2885116720882555,"num_words":120,"start":3116.35,"end":3159.3},{"sentences":[{"text":"And then, like, I saw it, you know, when that when those deductions come out from the insurances and that, I went, that is just railroad fucking robbery.","start":3160.26,"end":3168.28,"sentiment":"negative","sentiment_score":-0.48539298134190695},{"text":"Yeah.","start":3175.5752,"end":3176.0752,"sentiment":"neutral","sentiment_score":-0.14377252757549286},{"text":"I do have I did have an offset account there, but I went with UBank.","start":3185.1501,"end":3188.85,"sentiment":"neutral","sentiment_score":-0.01303573821981748},{"text":"And I when I get myself into a position where I can buy a property, I want my my broker wants to get me out of that home loan and into another one so I can get an offset offset account again.","start":3191.7102,"end":3208.325,"sentiment":"neutral","sentiment_score":-0.04238600274991421},{"text":"Yeah.","start":3210.465,"end":3210.705,"sentiment":"neutral","sentiment_score":0.015162086114287376}],"sentiment":"neutral","sentiment_score":-0.18040646100952024,"num_words":87,"start":3160.26,"end":3210.705},{"sentences":[{"text":"Because I've got a bit I got a bit I got a better interest rate with with UBank, but they didn't have an offset account.","start":3210.705,"end":3216.29,"sentiment":"neutral","sentiment_score":-0.053995772302150725},{"text":"About because I went to when I was with my partner, we went to we went to buy another place, and I pulled some money out of my out of my we we needed some cash as well.","start":3223.3901,"end":3238.445,"sentiment":"neutral","sentiment_score":0.012183845778437037},{"text":"I we got a second mortgage on it.","start":3239.065,"end":3242.285,"sentiment":"neutral","sentiment_score":0.0630294200964272},{"text":"I think I owe just over 500,000 on it.","start":3244.16,"end":3247.0598,"sentiment":"neutral","sentiment_score":-0.018328803694910474},{"text":"About five hundred and 10,000.","start":3249.3599,"end":3251.0598,"sentiment":"neutral","sentiment_score":0.037122657522559166}],"sentiment":"neutral","sentiment_score":-0.004259044151095783,"num_words":85,"start":3210.705,"end":3251.0598},{"sentences":[{"text":"Yeah.","start":3256.3198,"end":3256.8198,"sentiment":"neutral","sentiment_score":0.17324374616146088},{"text":"Alright.","start":3262.795,"end":3263.295,"sentiment":"neutral","sentiment_score":0.053743183612823486},{"text":"Yeah.","start":3266.955,"end":3267.115,"sentiment":"neutral","sentiment_score":0.1600988358259201},{"text":"Okay.","start":3267.115,"end":3267.615,"sentiment":"neutral","sentiment_score":0.2032967507839203},{"text":"Well, see, any sort of any sort of cash that I've got on top, I've been putting in to maximize my earnings on the stocks and crypto.","start":3267.755,"end":3275.36,"sentiment":"positive","sentiment_score":0.3389599372943242}],"sentiment":"neutral","sentiment_score":0.31426776849454446,"num_words":31,"start":3256.3198,"end":3275.36},{"sentences":[{"text":"So I am I'm definitely making money there.","start":3278.4602,"end":3280.54,"sentiment":"neutral","sentiment_score":0.327985305339098},{"text":"It's just I need I need a I need a strategy once it comes to a point where I, you know, wanna pay some debt out with it and all that kind of stuff to do it and then sort of try and minimize my tax obligations as much as I can.","start":3280.54,"end":3294.7349,"sentiment":"neutral","sentiment_score":0.0734080348450404},{"text":"So I'm not gonna I'm not gonna pull money out of it unless like, I've had someone go through it and have a look and go, right o.","start":3294.97,"end":3300.83,"sentiment":"neutral","sentiment_score":-0.17970328272453376},{"text":"Well, let's do it this way.","start":3301.1301,"end":3302.6702,"sentiment":"neutral","sentiment_score":0.10210082866251469},{"text":"So I wanna pay off a bit of that personal debt and get rid of it and then then go and buy a place.","start":3303.9302,"end":3309.255,"sentiment":"neutral","sentiment_score":0.04463482058296601}],"sentiment":"neutral","sentiment_score":0.026213974613001793,"num_words":118,"start":3278.4602,"end":3309.255},{"sentences":[{"text":"Yeah.","start":3330.76,"end":3331.26,"sentiment":"neutral","sentiment_score":0.037605248391628265},{"text":"Yeah.","start":3332.2,"end":3332.7,"sentiment":"neutral","sentiment_score":0.018019862473011017},{"text":"I've I've I've got no interest in pulling any money out of it right now unless it's just a yes and fucking sort out some debt that I've I mean, to sort the debt out, I wanna do it before I lose my big earnings that I've got at Mount Arthur.","start":3332.76,"end":3349.765,"sentiment":"negative","sentiment_score":-0.4602654150449762},{"text":"I wanna wipe that debt out so that that cash is coming into my account, and then I can top top my my, you know, crypto accounts up and that again that I'm making money on.","start":3351.4102,"end":3362.3901,"sentiment":"neutral","sentiment_score":0.069634810090065},{"text":"I wanna be able to do that.","start":3363.33,"end":3364.4502,"sentiment":"neutral","sentiment_score":0.1394876433270318}],"sentiment":"neutral","sentiment_score":-0.20765254572809985,"num_words":96,"start":3330.76,"end":3364.4502},{"sentences":[{"text":"So, I mean, if I have to pay a bit of tax on it, well, then I just have to fucking wear it, I guess, to get because, yeah, it's a couple of fucking silly couple of a couple of silly couple of silly decisions back in the day.","start":3364.4502,"end":3377.475,"sentiment":"neutral","sentiment_score":-0.3322928079536983},{"text":"I've got a fucking I I I just about have the means to get rid of them.","start":3377.475,"end":3380.835,"sentiment":"negative","sentiment_score":-0.6069750855950748},{"text":"So yeah.","start":3380.835,"end":3391.77,"sentiment":"neutral","sentiment_score":-0.11634604260325432},{"text":"But, yeah, if I'm making money on this crypto thing like I am at the moment because we've used it we've been going full full throttle into that because The US stock market's just taken, like, the semiconductor and the AI sectors have absolutely lost their ass.","start":3396.135,"end":3416.19,"sentiment":"neutral","sentiment_score":-0.30857781178139626},{"text":"So I've got a couple of I've got I've got some bit of money into a couple of stocks that I'm hoping that are gonna come back, but, you know, I've piled we've piled money into this crypto hedging strategy, and I'm, you know, fucking making amazing money off it.","start":3417.05,"end":3435.995,"sentiment":"negative","sentiment_score":-0.34913166642189025}],"sentiment":"negative","sentiment_score":-0.35632337336287356,"num_words":165,"start":3364.4502,"end":3435.995},{"sentences":[{"text":"Fucking can't believe, like, I'm you know, when he's telling me to when they're telling me to close these crypto orders, you know, it's profit loss of, like, 35%.","start":3436.615,"end":3445.79,"sentiment":"negative","sentiment_score":-0.6253238731417162},{"text":"Maybe.","start":3454.0952,"end":3454.5952,"sentiment":"neutral","sentiment_score":-0.2095724642276764},{"text":"Because, yeah, I don't wanna fuck it.","start":3457.7751,"end":3459.475,"sentiment":"negative","sentiment_score":-0.4257821100098746},{"text":"Yeah.","start":3466.59,"end":3466.83,"sentiment":"neutral","sentiment_score":-0.17007748782634735},{"text":"Why not?","start":3466.83,"end":3467.55,"sentiment":"negative","sentiment_score":-0.4042348265647888}],"sentiment":"negative","sentiment_score":-0.5575746674090624,"num_words":40,"start":3436.615,"end":3467.55},{"sentences":[{"text":"This is no good given it as if I can government, mate.","start":3467.55,"end":3470.27,"sentiment":"negative","sentiment_score":-0.7975725481907526},{"text":"They just spend it on shit.","start":3470.27,"end":3471.65,"sentiment":"negative","sentiment_score":-0.8132614493370056},{"text":"Yeah.","start":3480.195,"end":3480.5151,"sentiment":"neutral","sentiment_score":-0.12038841843605042},{"text":"Well, you already got people leaving Australia to other countries and that because of their country's less and less tax obligations that they require.","start":3480.5151,"end":3488.7751,"sentiment":"neutral","sentiment_score":-0.2496978590885798},{"text":"It's just a fucking joke How we're getting we're getting absolutely railroaded in this country.","start":3490.115,"end":3496.24,"sentiment":"negative","sentiment_score":-0.5369686245918274}],"sentiment":"negative","sentiment_score":-0.49341561516811105,"num_words":58,"start":3467.55,"end":3496.24},{"sentences":[{"text":"Yes.","start":3501.98,"end":3502.48,"sentiment":"neutral","sentiment_score":-0.13395115733146667},{"text":"Well, the problem that you've got is a lot of these politicians, a lot of them are solicitors and lawyers and shit.","start":3507.815,"end":3513.4148,"sentiment":"negative","sentiment_score":-0.4640746346928857},{"text":"All they know how to do is make laws.","start":3513.4148,"end":3515.355,"sentiment":"neutral","sentiment_score":-0.3314928909142812},{"text":"That's all they know how to do.","start":3517.015,"end":3518.295,"sentiment":"neutral","sentiment_score":-0.25594298115798403},{"text":"They they don't have they don't have well, no.","start":3518.295,"end":3524.12,"sentiment":"negative","sentiment_score":-0.41341278619236416}],"sentiment":"negative","sentiment_score":-0.39248635588834685,"num_words":48,"start":3501.98,"end":3524.12},{"sentences":[{"text":"They don't.","start":3524.12,"end":3524.6,"sentiment":"negative","sentiment_score":-0.43248794972896576},{"text":"Like, Jim Chalmers couldn't organize a fucking pie raffle at local school, and he's in charge of a fucking $3,000,000,000,000 economy.","start":3524.6,"end":3532.78,"sentiment":"negative","sentiment_score":-0.5670855854238782},{"text":"It's a fucking joke.","start":3534.12,"end":3535.4202,"sentiment":"negative","sentiment_score":-0.734432652592659},{"text":"And how the fuck how yeah.","start":3539.165,"end":3542.525,"sentiment":"negative","sentiment_score":-0.42363221446673077},{"text":"That's it.","start":3542.525,"end":3543.245,"sentiment":"neutral","sentiment_score":-0.212358258664608}],"sentiment":"negative","sentiment_score":-0.5336575316531318,"num_words":35,"start":3524.12,"end":3543.245},{"sentences":[{"text":"And but that's all I know how to do is make laws, and that's it.","start":3543.245,"end":3546.125,"sentiment":"neutral","sentiment_score":-0.3145460774501165},{"text":"They don't they don't have any economic at all.","start":3546.125,"end":3548.385,"sentiment":"negative","sentiment_score":-0.5422332485516866},{"text":"And and and they're too busy too busy fucking going after Pauline Hanson and Gina Reinhardt than actually fucking running the country properly.","start":3550.365,"end":3557.8801,"sentiment":"negative","sentiment_score":-0.670285666766374},{"text":"And problem is the problem the way I see it is charity starts at home.","start":3558.34,"end":3562.34,"sentiment":"negative","sentiment_score":-0.5321620265642802},{"text":"We need to start putting fucking Australian people first.","start":3562.34,"end":3564.7402,"sentiment":"negative","sentiment_score":-0.8114796876907349}],"sentiment":"negative","sentiment_score":-0.5676142017186527,"num_words":71,"start":3543.245,"end":3564.7402},{"sentences":[{"text":"This is bullshit.","start":3564.7402,"end":3565.6401,"sentiment":"negative","sentiment_score":-0.8272355397542318},{"text":"Yeah, mate.","start":3584.85,"end":3585.25,"sentiment":"neutral","sentiment_score":0.031584855169057846},{"text":"I'm still here.","start":3585.25,"end":3591.35,"sentiment":"neutral","sentiment_score":0.029234061638514202},{"text":"Be here at work, like, in the crib room and that when we're having our crib and stuff, the fucking arguments, the political arguments that ensue at work, it's just I guess that sometimes I have to get up and just walk out.","start":3594.9302,"end":3605.055,"sentiment":"neutral","sentiment_score":-0.1475710076994674},{"text":"I'm fucking over it.","start":3605.055,"end":3606.4348,"sentiment":"negative","sentiment_score":-0.4749026224017143}],"sentiment":"neutral","sentiment_score":-0.1922908826307817,"num_words":55,"start":3564.7402,"end":3606.4348},{"sentences":[{"text":"Yeah.","start":3624.8901,"end":3625.3901,"sentiment":"neutral","sentiment_score":-0.041400276124477386},{"text":"No.","start":3627.21,"end":3627.45,"sentiment":"neutral","sentiment_score":-0.22887760400772095},{"text":"I'm here.","start":3627.45,"end":3628.11,"sentiment":"neutral","sentiment_score":-0.17905431985855103},{"text":"I'm here.","start":3628.725,"end":3635.5925,"sentiment":"neutral","sentiment_score":0.1460341066122055},{"text":"Okay.","start":3646.5,"end":3646.82,"sentiment":"neutral","sentiment_score":0.09123306721448898}],"sentiment":"neutral","sentiment_score":-0.03501217705862863,"num_words":7,"start":3624.8901,"end":3646.82},{"sentences":[{"text":"Yeah.","start":3646.82,"end":3647.32,"sentiment":"neutral","sentiment_score":0.10678212344646454},{"text":"I'll have a look at them today.","start":3647.38,"end":3648.68,"sentiment":"neutral","sentiment_score":0.14385758127485002},{"text":"Is that when you're gonna send them through or next couple of days?","start":3649.06,"end":3651.8,"sentiment":"neutral","sentiment_score":0.035856473474548414},{"text":"Fantastic.","start":3668.2651,"end":3668.745,"sentiment":"positive","sentiment_score":0.7308533191680908},{"text":"Right Righto, mate.","start":3668.745,"end":3687.275,"sentiment":"positive","sentiment_score":0.5363627473513285}],"sentiment":"neutral","sentiment_score":0.15679443635046483,"num_words":25,"start":3646.82,"end":3687.275},{"sentences":[{"text":"Thank you very much.","start":3687.275,"end":3688.255,"sentiment":"positive","sentiment_score":0.7915348708629608},{"text":"Cheers.","start":3691.835,"end":3692.155,"sentiment":"positive","sentiment_score":0.48974475264549255},{"text":"You too.","start":3692.155,"end":3692.635,"sentiment":"positive","sentiment_score":0.3714687377214432},{"text":"Bye.","start":3692.635,"end":3693.135,"sentiment":"neutral","sentiment_score":-0.004770852625370026}],"sentiment":"positive","sentiment_score":0.5492563573643565,"num_words":8,"start":3687.275,"end":3693.135}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hello?\n\nChannel 1: Hi, Tommy. I have Kane McDonald on the phone for you.\n\nChannel 0: Oh, fantastic. Nice.\n\nChannel 1: Yeah.\n\nChannel 0: Pop them through when you're ready.\n\nChannel 1: Awesome. Also, I don't know why that message is still pending. I just went and had a look myself. I can't figure it out.\n\nChannel 0: Yeah. And my thing just rang out, so it's great that you fall back.\n\nChannel 1: Lovely. Alrighty. I'll send it through.\n\nChannel 0: Thank you.\n\nChannel 1: Thank you. Have fun.\n\nChannel 0: Good afternoon, Kane. Can you hear me okay?\n\nChannel 1: Yes. I can.\n\nChannel 0: Fantastic, mate. Thank you so much for calling back. I wasn't able to ring through or get a text message through to you, so I wasn't\n\nChannel 1: Yeah.\n\nChannel 0: sure if there was\n\nChannel 1: No. I\n\nChannel 0: an issue\n\nChannel 1: I got your\n\nChannel 0: with\n\nChannel 1: text\n\nChannel 0: the phone\n\nChannel 1: message,\n\nChannel 0: line.\n\nChannel 1: and I was and I was ready to take the phone call, but the phone didn't bloody ring, and I just it just came through as a voice mail. And I'm like, oh,\n\nChannel 0: Oh, that's fantastic.\n\nChannel 1: I don't know what's going on my fucking\n\nChannel 0: Wait.\n\nChannel 1: phone,\n\nChannel 0: I\n\nChannel 1: but\n\nChannel 0: was actually\n\nChannel 1: yes.\n\nChannel 0: no idea. I was actually writing you an email just to say, hey. Look. I've tried to call, tried to text, but, well, thanks so much for calling back.\n\nChannel 1: No. No. No. No problem. I've you know, I was ready to take the call.\n\nChannel 0: That's alright. Mate, we've got you here, so that's perfect. I just wanted to double check with you. Did you go through the quick security check\n\nChannel 1: I\n\nChannel 0: with\n\nChannel 1: did.\n\nChannel 0: Caden\n\nChannel 1: Yes.\n\nChannel 0: when you got through?\n\nChannel 1: Yep.\n\nChannel 0: Amazing. Thank you so much for that, mate. So I've got you in for the discussion about the super performance, the insurance premiums, all that kind of thing.\n\nChannel 1: Yeah.\n\nChannel 0: How long have I got you for today?\n\nChannel 1: Oh, as long as you need, I guess. Like, I'm I'm I'm at work, but I'm just on a a fire station standby out west. So, you know, there's nothing\n\nChannel 0: Gotcha.\n\nChannel 1: happening at the moment. So I can as long as you need me, mate, I'm standing out and out out the front of this fire station in the nice sun, so it's really nice. So\n\nChannel 0: Mate, it's foggy, cold, rainy, miserable over the Gold Coast, so a bit\n\nChannel 1: yeah.\n\nChannel 0: bit jealous,\n\nChannel 1: Well, now\n\nChannel 0: but\n\nChannel 1: it's it's\n\nChannel 0: perfect.\n\nChannel 1: got it was freezing here this morning. It was probably one degree this morning, but, you know, sun's out now, and it should get to about 21 degrees, so it should be nice.\n\nChannel 0: Perfect. Perfect. Well, I didn't wanna actually waste too much of your time today because I've already been going through your file quite a lot with the team to try and work out some options for you.\n\nChannel 1: Yeah. It's fine.\n\nChannel 0: If you recall, you you you went through a whole pre assessment with Cadence where you went through all the health information, occupation information. And, basically, what we've been doing for the insurances is calling every single insurer and, basically, trying to argue and find out who can offer you sort of a better deal than what you've currently got because your premiums\n\nChannel 1: Yeah.\n\nChannel 0: are over\n\nChannel 1: I\n\nChannel 0: $10 now.\n\nChannel 1: know. Well, like, when I first signed up with Oakview, they were down around at least half that, and they've just absolutely\n\nChannel 0: Yeah.\n\nChannel 1: exploded, and nothing's changed in my life. You know, I I haven't had any hospital visits, like, nothing. And just the premiums are just going through the roof. I I expected they've just thought I would just fucking drive them up, and they won't say anything. Well, you know, my earnings in my superannuation the last almost twelve months have it's done nothing.\n\nAnd I've been piling money in the for the for the last couple of years into my super, and it and it was performing. And then this year, it's just done it's done absolutely cool. And then\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: And\n\nChannel 1: the amount\n\nChannel 0: pretty\n\nChannel 1: amount\n\nChannel 0: much you've\n\nChannel 1: amount\n\nChannel 0: been maxing\n\nChannel 1: I'm\n\nChannel 0: out your contributions.\n\nChannel 1: absolutely. Like and and, yeah, it's it's just not happening. And and and I'm it's a bit it's a bit concerning for me because, you know, when I jumped over to a hub 24, I was, you know, certainly sold all the bells and whistles about how my super is gonna perform, and this year, it's done nothing.\n\nChannel 0: Yeah. All the previous years looks fantastic in the last twelve months. It's kind of gone sideways.\n\nChannel 1: Just dog\n\nChannel 0: I think\n\nChannel 1: shit.\n\nChannel 0: I'm looking at it there. $257,000 up to $2.89. Most of that contribution, a bit load of premiums coming out, probably about $18 worth of growth, which is not as high as it was previously. So\n\nChannel 1: No.\n\nChannel 0: but pretty much what I wanted to do on this call is I I haven't come to you with any excuses or anything. Basically, just try to come up with solutions. So I'm\n\nChannel 1: Yeah.\n\nChannel 0: I'm not gonna\n\nChannel 1: Like,\n\nChannel 0: send you anything in terms of, hey. Sorry. Go for it.\n\nChannel 1: Oh, no. You keep going. Like, well, you know, I was I was gonna talk to you as well because I'm in a pretty good financial position at the moment. I'm making very, very good money, but I'm also come tax\n\nChannel 0: Yes.\n\nChannel 1: time, I'm trying to buy I wanna buy another house. I wanna buy, you know, I wanna sort of try and try and reduce some of this income tax that I'm paying because I'm earning I'm earning in excess of of about $2.70 to $280 a year in my two jobs.\n\nChannel 0: Yes.\n\nChannel 1: And I wanna buy I wanna buy a property to try and, you know, try and minimize some of the tax that I pay and, you know, enjoy some of those tax concessions that are still available to you. But, you know and also, I was gonna talk to about upping what I'm contributing as far as my super as well to try and reduce some of that tax I'm paying, like, pre like, pre pre tax contributions and that, which I'll you know, I'm doing $2.50, but I was thinking about upping it to about $400.\n\nChannel 0: Yeah. Yep. Did you get a last tax return? I know we've just hit end of financial year now. But did you get a division two nine three notice last year for like, did you earn over $2.50 last year?\n\nChannel 1: Yeah. And then they they charge me they charge me $770 or something that I had to pay out of my super. I'm like, I thought\n\nChannel 0: Yes.\n\nChannel 1: I thought\n\nChannel 0: Yep.\n\nChannel 1: you had you have the ability ability to backtrack your super five years because they in the last five years, there's a couple of years that I haven't made the the concession\n\nChannel 0: Yeah. And use\n\nChannel 1: up\n\nChannel 0: up the\n\nChannel 1: to\n\nChannel 0: rest\n\nChannel 1: the\n\nChannel 0: of the\n\nChannel 1: concessional\n\nChannel 0: cap.\n\nChannel 1: cap. I thought you could you could dilute that in your last five years. But, you know, they wanted 770 out of me because I'd I'd I'd earned too much and put too much in me super or something. And\n\nChannel 0: Yeah.\n\nChannel 1: I thought,\n\nChannel 0: So I can\n\nChannel 1: let\n\nChannel 0: I can\n\nChannel 1: me\n\nChannel 0: work\n\nChannel 1: suck\n\nChannel 0: that out\n\nChannel 1: this.\n\nChannel 0: with you?\n\nChannel 1: I\n\nChannel 0: You\n\nChannel 1: I want\n\nChannel 0: fall\n\nChannel 1: that\n\nChannel 0: into\n\nChannel 1: back.\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: same\n\nChannel 1: I want\n\nChannel 0: category.\n\nChannel 1: that back.\n\nChannel 0: Oh, no. But you've hit the same category as my father-in-law. He's out in the mines too on the $2.50 mark. And\n\nChannel 1: Yeah. Righto.\n\nChannel 0: what it basically is is you can use up the other caps. That's fine. But the moment you're so yeah. Sorry. Your income and super contributions are above $2.50, you know how you're on, like, that 47% tax rate, like, at the highest rate?\n\nChannel 1: Yeah.\n\nChannel 0: So the moment you go over $2.50 total, they whack you with an extra 15%\n\nChannel 1: Yes.\n\nChannel 0: tax\n\nChannel 1: I\n\nChannel 0: rate\n\nChannel 1: do.\n\nChannel 0: instead of the 15%. So 30 on a portion of it. So that's what you would be getting on a yearly basis where they say, hey. Either you pay this personally from your tax return or release the money from super to pay this extra 15 percent.\n\nChannel 1: Yeah. It's fucking grubs. And like, I'm I'm I'm doing a standby for fire and rescue here today with a couple of promos, and one of them one of them is pretty high on these on these concessions and and and accounting sort of weighs around around your fire and rescue. He said, next time next time you go to your your account, and he said, claim 50% of your tax or 47% after your Medicare levy or whatever it is, 47% of your tax\n\nChannel 0: Yeah.\n\nChannel 1: that you've paid into fire and rescue because you there shouldn't be an issue with you claiming, you know, nearly 50% of that back.\n\nChannel 0: Yeah.\n\nChannel 1: Apparently,\n\nChannel 0: And\n\nChannel 1: there's\n\nChannel 0: fire\n\nChannel 1: something\n\nChannel 0: and rescue's\n\nChannel 1: in.\n\nChannel 0: got way more concessions.\n\nChannel 1: Yes. That's what I mean. Yeah. And I don't I don't I don't I don't think my accountant is up to speed on a lot of them\n\nChannel 0: Yeah. Yep.\n\nChannel 1: because it's it's\n\nChannel 0: Especially,\n\nChannel 1: a lot\n\nChannel 0: it's\n\nChannel 1: to\n\nChannel 0: like\n\nChannel 1: do.\n\nChannel 0: a lot\n\nChannel 1: There's\n\nChannel 0: of the\n\nChannel 1: a\n\nChannel 0: public\n\nChannel 1: lot to\n\nChannel 0: sector\n\nChannel 1: do with,\n\nChannel 0: stuff as well.\n\nChannel 1: yeah, concession as far as, like, your mail allowances and your travel and all that kind of shit because I do a lot of travel\n\nChannel 0: Yeah.\n\nChannel 1: with Fire and Rescue. And I I I think I'm I I think the the tax office are just absolutely burning me at the moment. I don't think my accountant's up to speed with a lot\n\nChannel 0: Do\n\nChannel 1: of\n\nChannel 0: you guys do you what method do you do for the travel? Do you do log book or the other one?\n\nChannel 1: it. Well, I've actually I've actually been doing logbook this year because\n\nChannel 0: Okay.\n\nChannel 1: I I don't I don't need logbook with Fire and Rescue because fire and rescue have a digital system that logs every kilometer that I do when I go and do and\n\nChannel 0: Yeah.\n\nChannel 1: do relief kilometers with fire and rescue. So I can I can immediately pull that up from from each year back to the last five or seven years or whatever on our system? I can I can pull those sheets straight up, and it's gives every kilometer I've driven for fire and rescue?\n\nChannel 0: Okay.\n\nChannel 1: It's\n\nChannel 0: And\n\nChannel 1: on our\n\nChannel 0: who are you using\n\nChannel 1: on our\n\nChannel 0: for the accounting side effect?\n\nChannel 1: his name's Kieran Moore. He's in Maitland. He's he he's pretty good with, like, the the business side of accounting and that type of thing, but I don't think he's too good with his government concessions and that that I have being a a first responder emergency worker. And, you\n\nChannel 0: Yep.\n\nChannel 1: know, the last couple of years, I've I've I've had to pay back $5.5 tax. Last year, I got $1,100 tax bill, had that $700, $770 I had to pay back for me super. Like, it's fucking\n\nChannel 0: Yep.\n\nChannel 1: bullshit. And plus the the amount\n\nChannel 0: Just\n\nChannel 1: of\n\nChannel 0: hitting\n\nChannel 1: tax\n\nChannel 0: you\n\nChannel 1: that\n\nChannel 0: from\n\nChannel 1: I\n\nChannel 0: every\n\nChannel 1: pay\n\nChannel 0: angle.\n\nChannel 1: through my income, you know, I'm just getting absolutely railroaded over here.\n\nChannel 0: You'd probably be paying $80\n\nChannel 1: Abs\n\nChannel 0: taxes to probably fund the bloody village at this point.\n\nChannel 1: abs absolutely, mate. Absolutely.\n\nChannel 0: Well, if it helps, I do have a really good remote accountant, Goldshore.\n\nChannel 1: Yeah.\n\nChannel 0: If you want a second opinion and see if he can come up with a few better things for you for this tax return I can get you onto it.\n\nChannel 1: I I think I need to. And I also gonna get this check this this fellow in fire and rescue that that's up to he's a permo, and he's up to all the concessional cap concessional little loopholes in that that we can use as first responders in our tax system. He's he does cheat sheets up and that I might hit him up because he was just talking about it about half an year ago. And he said, make sure you tell\n\nChannel 0: Yeah.\n\nChannel 1: your accountant\n\nChannel 0: Okay.\n\nChannel 1: you claim you wanna claim, what, 50% or or after your Medicare levy, 47% of your tax that you've paid in foreign rescue. You claim that back. I'm like, really? He's like, yeah. 100%.\n\nYou're allowed to. Doesn't\n\nChannel 0: Far\n\nChannel 1: matter what\n\nChannel 0: out.\n\nChannel 1: you've earned outside\n\nChannel 0: Okay.\n\nChannel 1: your job and all that, whether it's retained or permanent, you can. I'm like, well, fucking hell. What's\n\nChannel 0: So\n\nChannel 1: my account doing? I'm just getting railroaded.\n\nChannel 0: yeah. So I guess the the plan is get the cheat sheet, get a second opinion, and see if you can get a much better outcome for this\n\nChannel 1: Yeah.\n\nChannel 0: tax\n\nChannel 1: I\n\nChannel 0: return\n\nChannel 1: know.\n\nChannel 0: at the very least.\n\nChannel 1: Yeah. And and, like, even even, like, last couple of years, like, I've bought, you know, any in excess of 5 to $7,000 worth of tools for myself because I'm, you know, I'm setting myself up. I'm gonna start doing and I'm gonna do it on the books once me and Arthur shops. I'm gonna start I'm gonna start going and doing automotive and commercial air conditioning.\n\nChannel 0: Okay.\n\nChannel 1: You know? And I'm buying I've bought a heap of tools and stuff like that. And and I thought that would have done a a decent amount of of deductions on my tax, and I'm still paying tax. I'm still fucking paying tax tax time. It's a fucking\n\nChannel 0: Yeah.\n\nChannel 1: joke.\n\nChannel 0: Pain in the ass.\n\nChannel 1: I'm fucking over it. And I\n\nChannel 0: So\n\nChannel 1: mean, you're getting you're getting nothing back for your for your money with this government. It just come full of shit.\n\nChannel 0: mate, I was looking at some fucking budgets the other day for some of the councils, and and they're building roads and community centers out and walk off nowhere for about $20,000,000,000. And the rate payers can't pay it off for two hundred years in in the middle of nowhere where there's about 4,000 people living. And and that's about it. Get a bit of curbside cleanup and the and the business\n\nChannel 1: Yeah.\n\nChannel 0: done,\n\nChannel 1: Yeah. That's\n\nChannel 0: and\n\nChannel 1: it.\n\nChannel 0: then they increase the rates on you and all the rest of it.\n\nChannel 1: Yep. And then they can't fix the road that you fucking drive on, and then the cops come out and are trying to nail everyone. It's like, why don't the council get fined because the roads are not fit for us to be fucking driving on?\n\nChannel 0: Yeah. 100\n\nChannel 1: It's a\n\nChannel 0: percent.\n\nChannel 1: fucking joke.\n\nChannel 0: Are are you thinking of doing when when it comes to the property side of things, if you look at all the changes to the legislation that's just come through?\n\nChannel 1: Well, yeah, I have. And I'm like, fuck. I've left me run too late. Because it it's not\n\nChannel 0: Look.\n\nChannel 1: like\n\nChannel 0: It's\n\nChannel 1: I'm\n\nChannel 0: not\n\nChannel 1: I'm try I wanna\n\nChannel 0: yeah.\n\nChannel 1: buy I wanna buy another property, like but, you know, my my house that I own at Aberdeen, I've turned it into a six bedroom house. And off the books, I'm renting some rooms out and making some nice cash on the side\n\nChannel 0: Yep.\n\nChannel 1: unbeknownst to anyone. But I've been told by when if if I I do move because I don't wanna buy I don't wanna I I don't need to live in a six bedroom house. It's a beautiful big house, but I'm gonna rent it out one day and buy a property somewhere else. But it's gonna be positively geared because I'm gonna get about he could get people in there for a thousand bucks a week rent. He's\n\nChannel 0: Yeah.\n\nChannel 1: got people with big families that just cannot get a big enough place in the Upper Hunter that work in the Hunter Valley and the coal mines and that that and and, you know, other other industries that are up here. You know, I could get a thousand bucks a week rent for my six bedroom house, and it's got, you know, it's got a massive solar system. It's got batteries. It's got roller shutters. Huge fucking huge facilities in the house.\n\nAnd, you know, it's I I paid $4.95 for it in 2018, and and I it's been valued at 1.1.\n\nChannel 0: 1.1.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Mate, you'd almost wanna be seeing more than a thousand bucks for that.\n\nChannel 1: Oh, mate. Even if it's a thousand bucks a week rent, you know, I'm still that'll be positive geared 100%. I'll be paying tax on it.\n\nChannel 0: Yeah.\n\nChannel 1: I won't be able to claim much. I mean, you can still claim back, but, you know, I've just gotta start. I've got this you know, with this amount of income that I've got coming in and I will have for the next four or five years while Mount Arthur stays open, you know, it's just ridiculous, and I'm sick of paying so much fucking tax.\n\nChannel 0: You know, the the high income earners are the guys who get the most out of anybody. And\n\nChannel 1: Yes.\n\nChannel 0: you're\n\nChannel 1: I\n\nChannel 0: not\n\nChannel 1: know.\n\nChannel 0: exactly the the 1%, but the moment\n\nChannel 1: No.\n\nChannel 0: you start pressing $200, you get put into this category to cost the most tax, the least deduction,\n\nChannel 1: Yep.\n\nChannel 0: compared to the guys that have a $50,000,000,000 business or the\n\nChannel 1: Yeah.\n\nChannel 0: guys who\n\nChannel 1: Absolutely.\n\nChannel 0: are on.\n\nChannel 1: Yeah. Yeah. It's 100%. And, you know, they need someone to fucking fork out for the over 51% of our population in Australia are on some sort of welfare. Oh,\n\nChannel 0: So\n\nChannel 1: yeah. I'm\n\nChannel 0: are\n\nChannel 1: up\n\nChannel 0: you thinking\n\nChannel 1: with the\n\nChannel 0: of\n\nChannel 1: numbers\n\nChannel 0: doing\n\nChannel 1: on\n\nChannel 0: a bit of\n\nChannel 1: it.\n\nChannel 0: mate, that was me, probably, ten years ago going through the budget to go on. This health care welfare system is just blowing out of proportion.\n\nChannel 1: Absolutely.\n\nChannel 0: Add the NDIS on top now,\n\nChannel 1: Yeah.\n\nChannel 0: and it\n\nChannel 1: And\n\nChannel 0: just\n\nChannel 1: and look what\n\nChannel 0: completely\n\nChannel 1: look what's happening\n\nChannel 0: drained\n\nChannel 1: with the\n\nChannel 0: the country.\n\nChannel 1: look what's happening with the NDIS. It's exactly what's happening over in America with the same shit. You go\n\nChannel 0: Yeah.\n\nChannel 1: down to\n\nChannel 0: Big\n\nChannel 1: Lakemba\n\nChannel 0: roar.\n\nChannel 1: Lakemba in Sydney, and there's a fucking there's a a childcare slash NDIS center slash disabled fucking center, you know, next door to one another, next door, next door. Like, they're all fucking loaded up in Sydney. And they've the fuckers do no business, but yet they're getting all these fucking concessions\n\nChannel 0: Yeah.\n\nChannel 1: off the government. It's a\n\nChannel 0: Some\n\nChannel 1: fucking\n\nChannel 0: of the businesses\n\nChannel 1: joke.\n\nChannel 0: that, like, people have right in from them. And I saw some people building NDIS properties where they'd build a five, six bedroom place, like you were saying,\n\nChannel 1: Yeah.\n\nChannel 0: wheelchair access, and they have\n\nChannel 1: And\n\nChannel 0: a live\n\nChannel 1: they're getting\n\nChannel 0: in nurse\n\nChannel 1: two\n\nChannel 0: plus five\n\nChannel 1: two and\n\nChannel 0: people,\n\nChannel 1: $0.5\n\nChannel 0: and\n\nChannel 1: a\n\nChannel 0: they're\n\nChannel 1: week\n\nChannel 0: getting\n\nChannel 1: rent.\n\nChannel 0: on yeah. Well, government pay rent on top of the rent that they charge\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: each tenant.\n\nChannel 1: And you've got and you've got that especially the NDIS up in Queensland is a lot more is a lot more better is a lot more lucrative and I think a bit more generous than the the New South Wales one is. And that's why all these I\n\nChannel 0: Yeah.\n\nChannel 1: see all these all these, you know, positive income houses for sale because I I I follow a few pages of of of mobs that are building these houses up in Yupoon and all that. And I was always thinking I'd like to jump on board with one of them, and they they they they deal mainly in those NDIS houses. And the amount of rent they get out of them a week is just insane.\n\nChannel 0: Well, I\n\nChannel 1: Like,\n\nChannel 0: saw\n\nChannel 1: how\n\nChannel 0: one\n\nChannel 1: the fuck\n\nChannel 0: in total\n\nChannel 1: how the\n\nChannel 0: for\n\nChannel 1: fuck\n\nChannel 0: the whole\n\nChannel 1: do\n\nChannel 0: property\n\nChannel 1: I get on\n\nChannel 0: with\n\nChannel 1: to one\n\nChannel 0: sixty\n\nChannel 1: of them?\n\nChannel 0: thousand dollars. Mate, I\n\nChannel 1: Really?\n\nChannel 0: tried to do that five, six years ago, and the only developer that was approved in Queensland was a bit on the Dodge side, and we\n\nChannel 1: Oh,\n\nChannel 0: we\n\nChannel 1: really?\n\nChannel 0: just couldn't get on to it at the time. Yeah. Had to do it almost, like, privately and try and get all the approvals, but there was just no way of getting in if you didn't know the guy.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: It was a small club, and I wasn't in it. And we tried\n\nChannel 1: Yeah.\n\nChannel 0: because we were gonna do it through Super. Do\n\nChannel 1: You weren't\n\nChannel 0: a NDIS\n\nChannel 1: in the purple\n\nChannel 0: property through Super, get you $60.\n\nChannel 1: do a do a little purple circle. See, and I was I was interested in talking to you to you about setting up a self managed super fund for me because of what my super was doing this year. But now that the the government brought in all their fucking legislation around that, there's no point.\n\nChannel 0: Yeah. You've got to look at\n\nChannel 1: Because\n\nChannel 0: commercial these days for the SMS there.\n\nChannel 1: I've been I I'm being heavily into leveraging crypto and also and also The US stock market in the last twelve months.\n\nChannel 0: Yep.\n\nChannel 1: I've got a lot of unrealized fucking gains from the in the last\n\nChannel 0: Gotcha.\n\nChannel 1: twelve months. Like, I'm I'm I'm leveraging crypto at the moment with a crypto group that I'm a part of. I'm making $3,000 US a day on it.\n\nChannel 0: Okay. So you know the new changes I did to negative gearing and\n\nChannel 1: Yes.\n\nChannel 0: capital gains tax?\n\nChannel 1: Yep.\n\nChannel 0: So one of the things that we've been talking about with accountants and advisers at the moment is to think of your investment side all pulled off to the side of one category. So all\n\nChannel 1: Yeah.\n\nChannel 0: your investments, your properties, all that kind of thing is off to one bubble. Now the way it's gonna work is if you get, like, a new property, new build, or commercial that's still able to get the negatives, it can accumulate those year after year after year,\n\nChannel 1: Because\n\nChannel 0: and then\n\nChannel 1: you\n\nChannel 0: it\n\nChannel 1: can\n\nChannel 0: can\n\nChannel 1: you\n\nChannel 0: be\n\nChannel 1: can\n\nChannel 0: used\n\nChannel 1: spread\n\nChannel 0: up\n\nChannel 1: it\n\nChannel 0: when\n\nChannel 1: across\n\nChannel 0: your investments get positive.\n\nChannel 1: yeah. So that it can be diluted across a number of your investments. It's not just in that sector. Can it be diluted across so that it can lessen your lessen your fucking obligation or your liabilities?\n\nChannel 0: Correct. So what the guys are are doing at the moment is they're gonna accumulate maybe five to seven years of of negatives, and\n\nChannel 1: Yeah.\n\nChannel 0: then whatever they've gotten from business growth and capital growth on investments, they're gonna sell them and offset them all in the one year.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: So what I was gonna say is, like, if you're gonna get another one, you're gonna accumulate a few of those.\n\nChannel 1: Yeah. Well, absolutely. That's what I wanna do. And I've because I've I was aware of that, and I needed to speak to someone about it just so that I'm a 100% on the level as to my understanding of it. But,\n\nChannel 0: Yeah.\n\nChannel 1: like, I have no interest in I'm I'm putting I'm putting my own my a lot of my own capital into into this crypto and use US stocks venture that I've been involved in the last twelve months. And I have\n\nChannel 0: Yeah.\n\nChannel 1: no in no no unless, you know, unless I absolutely suck my finances up somehow, and then I have to pull money out that we live off, this is this is gonna be\n\nChannel 0: Yeah.\n\nChannel 1: you know, this is like a five year plan so that when me and Arthur shuts in 2030, I can I can taper off on the hours? I could just go go and do fire and rescue full time or, you know, I can I can then live my life where I don't have to fucking do this shift work anymore to pay off my mortgages\n\nChannel 0: Yeah.\n\nChannel 1: and get you know, I I I wanna do that? And that's why I don't want to I'm glad these clowns never got this unrealized gain tax in\n\nChannel 0: Yes.\n\nChannel 1: because at the moment, that would\n\nChannel 0: Oh,\n\nChannel 1: kill\n\nChannel 0: yeah.\n\nChannel 1: that would\n\nChannel 0: Jesus.\n\nChannel 1: have fucking destroyed me.\n\nChannel 0: It would\n\nChannel 1: Because\n\nChannel 0: have forced\n\nChannel 1: I\n\nChannel 0: you to\n\nChannel 1: I'm\n\nChannel 0: sell everything.\n\nChannel 1: I'm doing I'm doing so well. It's not funny. Like, it's fucking insane.\n\nChannel 0: K. So if you when were you looking at hopping out of the six bedroom place and possibly, you know, renting it out? What\n\nChannel 1: Well, trying to you know, I'm well, I I've been trying to do it as soon as possible.\n\nChannel 0: year?\n\nChannel 1: Like, I wanna buy some land back down closer to Maitland where my kids are, but I can still get to work. But, you know, if I leave Aberdeen Fire and Rescue, like, the standby money that I get from Fire and Rescue doing these standbys across the across the the Greater Hunter and and even I come at Wares Creek today, which is in the Tamworth area.\n\nChannel 0: Yep.\n\nChannel 1: You know, the money is unbelievable. And where I am at Aberdeen at the moment, I am situated in such a lucrative spot. It's I you know, it's it's hard to I'm I'm having I'm having a bit of anxiety actually thinking about it, but I would like even if even if even if I don't buy a place that I wanna move into, you know, buying somewhere even if I buy a smaller place in town and rent the place out at Aberdeen and make that big money\n\nChannel 0: Yeah.\n\nChannel 1: with the rent and stay in Aberdeen, yeah, I I I wanna do it because my house is just too big for me. You know, I've got\n\nChannel 0: Yeah.\n\nChannel 1: a couple of\n\nChannel 0: Yep.\n\nChannel 1: people staying there. I'm getting $220 a week cash out of them. But, you know, at that that cash economy, I'm glad they never fucked that off.\n\nChannel 0: Yeah. One\n\nChannel 1: But\n\nChannel 0: day.\n\nChannel 1: yeah. Okay. Well, give Albo a chance, mate. He he wants us to own nothing and be happy.\n\nChannel 0: Yeah. Pretty much. So,\n\nChannel 1: But\n\nChannel 0: look, if you want, at some point, I've got a dude who's been doing buyer's agent stuff where, you know, with the SMSF cutoff date, he's\n\nChannel 1: oh,\n\nChannel 0: basically\n\nChannel 1: yeah.\n\nChannel 0: a guy that goes around the country finding properties for people. So\n\nChannel 1: Yeah. Right.\n\nChannel 0: if you're looking to get like, rent out Aberdeen, get another one, possibly negatively get a new or commercial one, Buyers agents are probably the way to go at the moment.\n\nChannel 1: Yeah.\n\nChannel 0: They do\n\nChannel 1: Okay.\n\nChannel 0: they they do charge us a solid $10 out of the purchase price to do it at least,\n\nChannel 1: Yeah.\n\nChannel 0: but they're the guys that scan the whole country looking for deals. So\n\nChannel 1: Yeah. No. I get that. Okay. I do have a couple of really good contacts in let me contact Dan's real estate in Skane.\n\nHe's really good. He's gonna property manage my house when eventually I decide to do\n\nChannel 0: ah,\n\nChannel 1: it\n\nChannel 0: good.\n\nChannel 1: because he's he's up to speed on what I wanna do. And I've got a fellow that owns a heap of property and, you know, leases out all these apartments down in Newcastle and that. He's got his finger in the pie on the pulse really all the time with what's going on. And I'm always asking him for hints and tips. And he said to me, he said, if you wanna\n\nChannel 0: Oh,\n\nChannel 1: buy\n\nChannel 0: fantastic.\n\nChannel 1: a place, just just tell me and I will find something that you want for you. And he won't even charge me.\n\nChannel 0: Cool. Okay.\n\nChannel 1: He's pretty good. He's\n\nChannel 0: So\n\nChannel 1: a\n\nChannel 0: use them.\n\nChannel 1: family\n\nChannel 0: I'll I'll send you an email today for\n\nChannel 1: friend.\n\nChannel 0: the accounting side of things just to see if we\n\nChannel 1: Yeah.\n\nChannel 0: can help out there.\n\nChannel 1: See,\n\nChannel 0: Use\n\nChannel 1: I've\n\nChannel 0: those\n\nChannel 1: got\n\nChannel 0: guys.\n\nChannel 1: a bit\n\nChannel 0: Let us know when you do.\n\nChannel 1: I've got a little bit of personal debt I'm trying to wipe out, and that's what I'm thinking about using this crypto strategy to pull a bit pull money straight out and just demolish that little bit of personal debt that I've got just\n\nChannel 0: Is\n\nChannel 1: to\n\nChannel 0: it just\n\nChannel 1: smash\n\nChannel 0: on\n\nChannel 1: that\n\nChannel 0: the mortgage,\n\nChannel 1: away.\n\nChannel 0: or do you actually have a loan?\n\nChannel 1: I have a loan. I had a I got\n\nChannel 0: Oh, shit.\n\nChannel 1: a loan.\n\nChannel 0: How\n\nChannel 1: I\n\nChannel 0: much\n\nChannel 1: had\n\nChannel 0: is\n\nChannel 1: a\n\nChannel 0: that for?\n\nChannel 1: I had a bad I had a bad breakup relationship breakdown, and I I pay I had to pay her out.\n\nChannel 0: Yeah.\n\nChannel 1: And I'm in the hole at the moment on that one about I think I owe about $40.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. I'm just I I've got them literally, in in my in my crypto and and stocks thing at the moment, I've got more than enough money to pay it out, but I wanna figure out a way to do it so I don't I can pull money out of that and not pay fucking tax because I'm paying off debt.\n\nChannel 0: Yeah. But it's that bloody consumer debt that's not deductible, and then you're selling\n\nChannel 1: Yeah. I\n\nChannel 0: off\n\nChannel 1: know.\n\nChannel 0: a profitable\n\nChannel 1: It's fucked.\n\nChannel 0: investment. It's just gonna hit you double end. Right. It's almost like you need a company at this point, but anyway.\n\nChannel 1: Yep. Well, this is what this\n\nChannel 0: Entity\n\nChannel 1: is what Omar\n\nChannel 0: is\n\nChannel 1: has\n\nChannel 0: getting\n\nChannel 1: been talking\n\nChannel 0: squashed\n\nChannel 1: to me\n\nChannel 0: anyway.\n\nChannel 1: talking to me today about, you know, coming up with a couple of companies and doing it through that.\n\nChannel 0: Yeah. And they're trying to squash all the the trust at the moment,\n\nChannel 1: Yes.\n\nChannel 0: which is a bit of a pain\n\nChannel 1: Yeah.\n\nChannel 0: in the ass for the elderly, but companies are still alright.\n\nChannel 1: Yes. I do. Yeah.\n\nChannel 0: How how did you go with the Pokemon card collection? Because you you had a buyer lined up for that last year.\n\nChannel 1: Yeah. Well, that's that's where a lot of that capital's come from. I\n\nChannel 0: Yeah. And then\n\nChannel 1: I\n\nChannel 0: you invested it.\n\nChannel 1: I I yeah. Exactly. So I didn't go out and spend it. Some of that money I should've used to pay off the debt, but I wanted to invest it instead.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: That\n\nChannel 0: Gotcha.\n\nChannel 1: was a bit stupid, but I'm almost at a position where I can just go bang, get rid of that, and then I'm in a better spot. But, yeah, I ended up my I ended up well, I started on consignment, and I still have and I I still have about a 150, maybe 200 depends on who you talk to. About two nearly $200 worth of Pokemon cards there still, and they're going up every day. Like, I've got one box there\n\nChannel 0: Yep.\n\nChannel 1: that's worth $15,000 just on its own.\n\nChannel 0: Insane. I love\n\nChannel 1: And\n\nChannel 0: it.\n\nChannel 1: and that's I've actually when I when I when I gave them to all my like, I I've been helping him out with his business. I've been going and some of the money that I have that I had, I went and bought a couple of collections of people at really good prices and then sold gave them to on sale through him through his business in Sydney. But I ended up making about $250 out of that out of that transaction.\n\nChannel 0: Yep. Not bad.\n\nChannel 1: And\n\nChannel 0: Not\n\nChannel 1: I probably\n\nChannel 0: bad\n\nChannel 1: and\n\nChannel 0: at all.\n\nChannel 1: I only probably outlaid a $100,000 total over the last probably ten years that I I built that collection.\n\nChannel 0: Wow.\n\nChannel 1: Oh,\n\nChannel 0: Because the scalpers are having a field day these days.\n\nChannel 1: and and I just I I didn't see it coming, and I I was into it well before this, and I just could not believe that I somehow magically, you know, was already heavily invested into that into into the Pokemon cards because it is just nuts. And it's just going. And\n\nChannel 0: Yeah.\n\nChannel 1: and and\n\nChannel 0: I\n\nChannel 1: as\n\nChannel 0: mean,\n\nChannel 1: far\n\nChannel 0: it was\n\nChannel 1: and as long as as long as we keep having kids, mate, Pokemon is not going anywhere. It's a it's per Pokemon internationally is worth more than Disney.\n\nChannel 0: yeah.\n\nChannel 1: It's the\n\nChannel 0: Yep.\n\nChannel 1: number one\n\nChannel 0: Big\n\nChannel 1: entertainment\n\nChannel 0: time.\n\nChannel 1: company out there, Pokemon and Nintendo. It's worth more than Disney's second on the list.\n\nChannel 0: Yep.\n\nChannel 1: So and I just\n\nChannel 0: Alright.\n\nChannel 1: could not believe\n\nChannel 0: Mate, right\n\nChannel 1: I\n\nChannel 0: place,\n\nChannel 1: I couldn't\n\nChannel 0: right time.\n\nChannel 1: believe yeah. I just couldn't believe because that shit doesn't happen to me. But I think under these these new investments and assets, I can mean things that the government's bringing out. I'm probably lucky I sold it when I did because if I tried to sell it in the future, I'd have been fucked.\n\nChannel 0: Yeah. They're gonna clean you up for all of it pretty\n\nChannel 1: Oh,\n\nChannel 0: much,\n\nChannel 1: that will\n\nChannel 0: half\n\nChannel 1: clean\n\nChannel 0: of\n\nChannel 1: me\n\nChannel 0: all\n\nChannel 1: out.\n\nChannel 0: of it.\n\nChannel 1: You know, because\n\nChannel 0: Can I just put the note down for the file, mate? With the the crypto and the shares, I've gotta\n\nChannel 1: Yes.\n\nChannel 0: put down an estimated value on it.\n\nChannel 1: I was actually looking at it this morning because I had to I've been waking up because the blokes that I'm dealing with are in The US.\n\nChannel 0: It. I'll have to\n\nChannel 1: And\n\nChannel 0: go\n\nChannel 1: it's\n\nChannel 0: wake\n\nChannel 1: and\n\nChannel 0: up\n\nChannel 1: and\n\nChannel 0: the the\n\nChannel 1: and\n\nChannel 0: times.\n\nChannel 1: it's on it's in a complete completely legit I've done me homework through contacts that I have in the industry. It's on it's on a completely legit globalized platform that I do it\n\nChannel 0: Platform.\n\nChannel 1: on. These blokes are\n\nChannel 0: Yep.\n\nChannel 1: legit because I know there's been a lot of scamming going on with the stock markets. And I I've actually lost a bit on The US stock market to some bad advice, but you live and you\n\nChannel 0: Yeah.\n\nChannel 1: learn. And I had plenty of fucking plenty of backup to get out of that. I mean, it happens. I learn a lot from it. But as it states today, probably, if I was to sell it all today, I could probably pull a $160 out of it.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: And that's and that that\n\nChannel 0: I'm\n\nChannel 1: that\n\nChannel 0: gonna put something\n\nChannel 1: that\n\nChannel 0: in there.\n\nChannel 1: that was that was from about probably I don't know. I probably started with about $50,000 Australian, and that's sorry. That's a 160,000 US. That's what that's that's what I mean. I'm staying away from the Australian stock market.\n\nThey're too slow.\n\nChannel 0: Yep.\n\nChannel 1: The US stock market's got that good volatility that, you know, that you're you're looking for, especially if you're buying in volume. And then, you know, if you understand crypto leveraging, you know, I'm making really, really good money on that every day because they're ten, fifteen minute trades because I'm longing and shorting crypto\n\nChannel 0: Yeah.\n\nChannel 1: against\n\nChannel 0: Gotcha.\n\nChannel 1: Bitcoin.\n\nChannel 0: Oh, shit. Okay.\n\nChannel 1: But\n\nChannel 0: Good\n\nChannel 1: like\n\nChannel 0: call.\n\nChannel 1: like this this morning, on my way to the standby today, I sold. We made a we made a we made a investment. We made a trade at it was about 5AM. 6AM, I I made the investment. And by 7AM, I was given a to close close that close that order immediately, and I made 3,000 US dollars\n\nChannel 0: Oh, there you go.\n\nChannel 1: just\n\nChannel 0: Not\n\nChannel 1: in\n\nChannel 0: bad\n\nChannel 1: one day.\n\nChannel 0: at all. Oh, that's awesome. That must be so much fun\n\nChannel 1: And\n\nChannel 0: between\n\nChannel 1: and the night\n\nChannel 0: that and\n\nChannel 1: the\n\nChannel 0: the\n\nChannel 1: night\n\nChannel 0: the cards\n\nChannel 1: the\n\nChannel 0: you\n\nChannel 1: night\n\nChannel 0: did.\n\nChannel 1: before, I made a thousand US. So it's just getting better and better. Like, these blokes are just they're just on the on money. Like, I've I've signed a a a a contract with them. It's all legit.\n\nI share with them 10% of the earnings at the end of three months.\n\nChannel 0: Yeah.\n\nChannel 1: The profit we only only pay 10% of my profit to them, and, you know, I'm learning all about crypto leveraging in US stocks and how to read the stock market.\n\nChannel 0: Absolutely. So that'll continue all year pretty much.\n\nChannel 1: I hope so. Yeah. Absolutely.\n\nChannel 0: So and then you said five years left on that after a round event?\n\nChannel 1: Yeah. Yeah. So I mean, well, my answer my answer was shot well, in four years. Sorry. So it was four years.\n\nIt shuts on the it was gonna shut on the June 2030.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. And\n\nChannel 0: 20\n\nChannel 1: so they're gonna\n\nChannel 0: 30.\n\nChannel 1: they're\n\nChannel 0: Alright.\n\nChannel 1: gonna they're gonna pay us out our redundancies on the July 1.\n\nChannel 0: So you're pretty much trying to set yourself up between now and then with all the investments, the income, all that sort of stuff so that you can basically take it easy after that point.\n\nChannel 1: Absolute\n\nChannel 0: Go a bit\n\nChannel 1: absolutely.\n\nChannel 0: of maybe part time with the fireies\n\nChannel 1: Well\n\nChannel 0: and\n\nChannel 1: yeah.\n\nChannel 0: have all\n\nChannel 1: Like\n\nChannel 0: the the cash flow coming in.\n\nChannel 1: yes. Absolutely. And, you know,\n\nChannel 0: Alrighty.\n\nChannel 1: with the income that I'm getting at the\n\nChannel 0: Well,\n\nChannel 1: moment, it's just I I wanna buy I'm I'm because I wanna be a self funded retiree. Like, my mom and my dad are, and they're they're well, my mom's having fun. My dad's just a miserable old cunt. But, you know, they're self sufficient. You know, they made they made\n\nChannel 0: Gotcha.\n\nChannel 1: bank on on on investment, not property investing, and when negative gearing was was was the go back in the late nineties and early thousands. But, you know, they made their fortune on that, and they're self funded retirees. And I want that for myself.\n\nChannel 0: Right. That's what my grandparents are on. Built all the flats out in the Gold Coast there and workshops and that kind of thing and everything\n\nChannel 1: Yeah.\n\nChannel 0: they\n\nChannel 1: Well.\n\nChannel 0: they get. They haven't gotten a cent from the government since they moved over from Croatia in the sixties,\n\nChannel 1: Well.\n\nChannel 0: and they literally just they look after the three generations of family off their property. Everything's through trust and company, and all they've talked the last couple of years is tax tax tax. And they haven't gotten a sense from the government the entire time they lived it.\n\nChannel 1: 100%.\n\nChannel 0: But\n\nChannel 1: And that's\n\nChannel 0: it is\n\nChannel 1: the way\n\nChannel 0: still\n\nChannel 1: it should\n\nChannel 0: it's\n\nChannel 1: be.\n\nChannel 0: still a fucking good thing to aim for.\n\nChannel 1: Yeah. Well, I've never got a handout in my life. Like, you know, I'm a I'm through my mom's side, I'm a descendant, but we've never had a handout in our life. Like, you know, my parents taught me that anything you want in your life, you gotta work your fucking ass out for.\n\nChannel 0: Gotta get it.\n\nChannel 1: And that's that's exactly what I've done. I'm trying to teach my kids the same.\n\nChannel 0: Right. Hopefully, are they listening so far? Or are they too young to for\n\nChannel 1: Well\n\nChannel 0: to click\n\nChannel 1: well,\n\nChannel 0: just yet?\n\nChannel 1: Chloe, yes. She's she's she's only in year 10. Well, she was in year nine, actually. She got her first job. She got her first job, and she works at KFC at Green Hills.\n\nSoon as she could work, she just wanted to\n\nChannel 0: Oh,\n\nChannel 1: go\n\nChannel 0: okay.\n\nChannel 1: and get a job. Yeah. So she's she's she's definitely taken a leaf out of my book. That's for sure, which is good. But\n\nChannel 0: Fantastic.\n\nChannel 1: I told her, I said, Chloe, don't ever have your fucking hand out. If you want something, you work for it. Then you can say that you never leaned on anyone for it.\n\nChannel 0: Mate, that's amazing. Hopefully, they they you know, it's one of the things shirt sleeves shirt sleeves in great generations, but, hopefully, they they listen and you\n\nChannel 1: Absolutely.\n\nChannel 0: get to skip a generation or help them out. And the grandkids get looked after one day, and they do well\n\nChannel 1: Alright.\n\nChannel 0: by themselves, and then the families establish and they have to work.\n\nChannel 1: Absolutely. And and and, of course, like, when I go, whenever that is down the track, I still wanna have something there to give give the kids so they can spread it out and make everyone's lives easier in the in the family.\n\nChannel 0: Yeah. Yeah. We're gonna make sure that at some point like, set yourself up for the next four or five years. Right? But at some point, gonna have to maybe look at some entities or something because, look, they're gonna they're gonna come to the inheritances at some\n\nChannel 1: Yeah.\n\nChannel 0: point,\n\nChannel 1: Well oh,\n\nChannel 0: especially\n\nChannel 1: absolutely.\n\nChannel 0: for the boomer\n\nChannel 1: And\n\nChannel 0: generation. So keep the\n\nChannel 1: and\n\nChannel 0: ear\n\nChannel 1: I\n\nChannel 0: out.\n\nChannel 1: I need to I need to be filled in on that information by the right people, because\n\nChannel 0: Yeah.\n\nChannel 1: I'm trying\n\nChannel 0: Well,\n\nChannel 1: to\n\nChannel 0: look,\n\nChannel 1: do\n\nChannel 0: it's\n\nChannel 1: that.\n\nChannel 0: the same thing. Like, we always talk about it because we're talking to brokers, accountants. We're advisers, fund managers. As that stuff comes in, everybody goes into some rooms and starts talking about it. And\n\nChannel 1: Yep.\n\nChannel 0: if I ever catch wind of what's happening and what the options are, the first thing I'm doing is calling all of you guys up to let you know what the\n\nChannel 1: Yes.\n\nChannel 0: options are and what's gonna happen. Like, that SMSF thing just kind of came out of nowhere with the green deal and a really short cutoff date that was not even worth trying\n\nChannel 1: Yes.\n\nChannel 0: to squeeze in because there's too much risk. But like I said, with the capital gains tax, the negative gearing, there's a few options down the line for what that does. Fantastic. And, again, commercial and and new builds, fantastic. Accumulating losses for the other investments, fantastic.\n\nBut if they go for the inheritances, it's gonna be the biggest industry conversation in history, and everyone's gonna be talking about it. So\n\nChannel 1: Absolutely.\n\nChannel 0: if I find out, I'll let you know straight away.\n\nChannel 1: Yeah. That'd be cool. But yeah. So what are you gonna just look at my super as far as what what those life insurances can do? And because, yeah, I I just\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: So\n\nChannel 1: $1,010,010 thousand dollars annually, that's just insane.\n\nChannel 0: yeah.\n\nChannel 1: Considering\n\nChannel 0: Look. I've\n\nChannel 1: what\n\nChannel 0: got\n\nChannel 1: I what what I was what I was paying for it only a couple of years ago, it's doubled.\n\nChannel 0: yeah. And like I said, you're not even in the forties and fifties yet where it's supposed to get up. Like, I've seen people who had $2,000 policy at 50 and age 60 at 12 down. Like, that happens\n\nChannel 1: Yeah.\n\nChannel 0: in the later years. The\n\nChannel 1: Why\n\nChannel 0: way\n\nChannel 1: is\n\nChannel 0: that\n\nChannel 1: mine\n\nChannel 0: yours\n\nChannel 1: going\n\nChannel 0: is\n\nChannel 1: up\n\nChannel 0: increasing\n\nChannel 1: so high?\n\nChannel 0: your thirties, I've never seen anything like it.\n\nChannel 1: Well, that's that's fucking\n\nChannel 0: And the\n\nChannel 1: whoever\n\nChannel 0: the problem\n\nChannel 1: whoever\n\nChannel 0: you've\n\nChannel 1: that\n\nChannel 0: got.\n\nChannel 1: that's one path. They're they're fucked in\n\nChannel 0: What what pissed me off about this is one part of Nios are the only two insurers that would offer the cover\n\nChannel 1: the\n\nChannel 0: because of the combination of the firing with the\n\nChannel 1: head.\n\nChannel 0: occupations.\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: And\n\nChannel 0: all\n\nChannel 1: they've\n\nChannel 0: I\n\nChannel 1: taken\n\nChannel 0: can\n\nChannel 1: it\n\nChannel 0: do for them\n\nChannel 1: taken\n\nChannel 0: is\n\nChannel 1: the\n\nChannel 0: I've\n\nChannel 1: liberty\n\nChannel 0: got\n\nChannel 1: the the liberty of all things that they can only come with us. We're just gonna overinflate his fucking insurance premiums.\n\nChannel 0: pretty much. So the only thing we can do, I've got an alteration going for I I talked to you previously about the benefit period from a sixty five, maybe five year, two year, and using the CBD cover for the long term stuff.\n\nChannel 1: Yeah. See, I just I just can't\n\nChannel 0: That'll\n\nChannel 1: believe\n\nChannel 0: probably\n\nChannel 1: that\n\nChannel 0: trim\n\nChannel 1: they're really\n\nChannel 0: off a few\n\nChannel 1: the\n\nChannel 0: grand.\n\nChannel 1: only the only insurance companies that you know, we've got a large amount of people in in New South Wales, especially, that are in fire and rescue and that are in coal mining.\n\nChannel 0: Yeah.\n\nChannel 1: Like, it's fucking bullshit.\n\nChannel 0: Yep. It's something that they just most of them aren't touching, and I did find one where it was like, oh, if the fire and rescue was less than 10% of your overall, then they would exclude it. It'd be fine. But anything\n\nChannel 1: Yeah.\n\nChannel 0: above\n\nChannel 1: Right on.\n\nChannel 0: 10%, no no no dice. So I had a guy there that was a a paper mill and prison, and\n\nChannel 1: Yeah.\n\nChannel 0: his\n\nChannel 1: Right.\n\nChannel 0: prison occupation thankfully came out to 8%, and I saved him $3. And I was like, thanks for that. But, yeah, there's not many options out there. Look. I'm sorry.\n\nI tried calling around everybody and arguing the points of fucking months. And all I've been able to sort of come up with is we just trim it down a bit to chop off a few grand. And the moment there's a better option out there, whether it's me or someone else, again, I'll be jumping at it. But\n\nChannel 1: Yep.\n\nChannel 0: until that point, we're gonna have to work with these guys for a little while.\n\nChannel 1: Yeah. Fair enough. Well, we need to I need to have a chat with them and see if they can bump it down because it's bullshit.\n\nChannel 0: So yeah.\n\nChannel 1: It's\n\nChannel 0: Well, I've\n\nChannel 1: fucking\n\nChannel 0: got it\n\nChannel 1: that's\n\nChannel 0: coming\n\nChannel 1: fucking\n\nChannel 0: through because\n\nChannel 1: disgraceful.\n\nChannel 0: I've done a few quotes where if the income protection that's doing it, like, the license, it's it's less than $2 for the million 1.3 mil. Income protection is what's hitting you to 7,000.\n\nChannel 1: Yeah. Right. I saw and and and what's what what is the what is the stipulations around that that income protection? Is it what? 75%, 8080%?\n\nWhat is it?\n\nChannel 0: Yeah. So you've got one of the old 75% policy. Anything\n\nChannel 1: Right.\n\nChannel 0: new with a different insurer is 70% maximum, so it's not that much different.\n\nChannel 1: Yeah.\n\nChannel 0: But\n\nChannel 1: But what what are they what\n\nChannel 0: thirty\n\nChannel 1: are\n\nChannel 0: day\n\nChannel 1: they charging\n\nChannel 0: age\n\nChannel 1: people?\n\nChannel 0: 65 is just well, I found one that was a few grand less, but not until the fire is less than 10% of your occupation.\n\nChannel 1: Alright.\n\nChannel 0: And then they said, oh, look. We'll do it if it's above 10%, but you've got to wait thirteen weeks to claim, which is three months.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So the options there are pretty fucking limited because you're on thirty days at the moment. You're sick for a month. It kicks in. There's a living brain coming out. These\n\nChannel 1: Yeah.\n\nChannel 0: guys\n\nChannel 1: Okay.\n\nChannel 0: were like, no. You have to wait three months for it, which you've got the savings there, maybe. But what I'll do\n\nChannel 1: Alright.\n\nChannel 0: is\n\nChannel 1: I I could\n\nChannel 0: I'm gonna\n\nChannel 1: I could\n\nChannel 0: send\n\nChannel 1: flight\n\nChannel 0: you three\n\nChannel 1: I could\n\nChannel 0: quotes\n\nChannel 1: flight\n\nChannel 0: through.\n\nChannel 1: me on I could flight me on boats six months\n\nChannel 0: Yeah. So what I'm thinking, the\n\nChannel 1: if\n\nChannel 0: only\n\nChannel 1: needed.\n\nChannel 0: options we've got is I've got a quote here for improving the income through one pass down to five year benefit or two year benefit. That'll trim a few grand off. I'll send those through here.\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: The\n\nChannel 1: Okay.\n\nChannel 0: one with Neos, we would basically destroy your income protection with one path and redo it with Neos and have two insurers, but they would do thirteen week wait, two year benefit maximum. And let me just have a little bit of premiums here. Basically, I'll give you the options. You tell me what you wanna go ahead with, but I'll grab up this quote now. So thirteen week wait two year benefit trimmed it down from $7 to $3.\n\nChannel 1: Yeah. Well, Get on that. Is that 70%\n\nChannel 0: But special risk\n\nChannel 1: 70\n\nChannel 0: occupation\n\nChannel 1: percent or 70\n\nChannel 0: class here. That's 70%.\n\nChannel 1: yeah. Okay. Let's see.\n\nChannel 0: The\n\nChannel 1: Fire\n\nChannel 0: definition's\n\nChannel 1: fire and rest\n\nChannel 0: shit. So\n\nChannel 1: fire and rest fire and rescue, like, if I didn't if if I didn't have to pull an income out of fire and rescue, I'd be covered by fire and rescue for me is only just, like, cream on the top. Really?\n\nChannel 0: Yeah. Okay.\n\nChannel 1: I could survive without it. But\n\nChannel 0: So\n\nChannel 1: what because well, so\n\nChannel 0: we're\n\nChannel 1: what's\n\nChannel 0: right.\n\nChannel 1: what's\n\nChannel 0: I'm\n\nChannel 1: what's\n\nChannel 0: gonna\n\nChannel 1: the\n\nChannel 0: base\n\nChannel 1: what's\n\nChannel 0: it on\n\nChannel 1: the what's the 10%? What's that asking about? How much time I give to Fire and Rescue? Or because it's only a\n\nChannel 0: yeah.\n\nChannel 1: part time\n\nChannel 0: Yep.\n\nChannel 1: job. It's I'm only on call. It's not like\n\nChannel 0: Yeah.\n\nChannel 1: I turn\n\nChannel 0: Right.\n\nChannel 1: up\n\nChannel 0: So\n\nChannel 1: the fire\n\nChannel 0: $60,\n\nChannel 1: a station every\n\nChannel 0: we\n\nChannel 1: day.\n\nChannel 0: earn. No. But how how much is, like, a week or a fortnight or a month would you percentage it for working hours? Because the income is $60. That's one thing.\n\nChannel 1: Yeah. Because because when I do stand by, it's it's it's over a $100 an hour. That's why the income's\n\nChannel 0: Oh,\n\nChannel 1: so\n\nChannel 0: shit. Okay.\n\nChannel 1: so high, but I don't spend the hours at the station. No way. We're you know, Aberdeen, we don't get many calls a year compared to big bigger stations around around the area. Like, the hours that I I put in are are other stations, but they're not that many hours considering it's just a high hourly rate. Like, it's double time.\n\nPlus, I get little lurks and perks and allowances on these standbys that I claim that boosts my earnings. But I'm I've you know, 10% of my year, of my working time a year would even or would for me be a stretch compared to how much I work at Mount Arthur in the mines. If that's what they think, that's that's what they think I do. I'm I'm only an on call firefighter. I'm not a full timey.\n\nAre you there?\n\nChannel 0: Oh, no.\n\nChannel 1: What\n\nChannel 0: If you\n\nChannel 1: happened?\n\nChannel 0: can hear me, it's just dropping out. Yeah. I\n\nChannel 1: Yeah.\n\nChannel 0: gotcha.\n\nChannel 1: It just went just\n\nChannel 0: You back?\n\nChannel 1: went silent there for a second.\n\nChannel 0: Cool. It's reception seem to cut out for a second. I\n\nChannel 1: Yeah.\n\nChannel 0: was just\n\nChannel 1: I\n\nChannel 0: asking\n\nChannel 1: I\n\nChannel 0: about\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: am\n\nChannel 0: hours\n\nChannel 1: here.\n\nChannel 0: with Matt Arthur. What\n\nChannel 1: I am in the asshole. I'm one of the assholes of of New South Wales. That's for sure.\n\nChannel 0: that's alright. I've got your back. So break it down for me. What a typical week, fortnight, or month work hours wise between the two, and if I can prove it's less than 10%, I might be able to go with these guys.\n\nChannel 1: Yeah. Okay. Well, like, you know, I mean, after I work a shitload of hours plus overtime. They're twelve hour shifts. I'm on the lifestyle roster, which is the five and four, four and five.\n\nChannel 0: Five and\n\nChannel 1: And\n\nChannel 0: four,\n\nChannel 1: Fire and Rescue,\n\nChannel 0: four and\n\nChannel 1: like,\n\nChannel 0: five.\n\nChannel 1: per fortnight, I'm I'd be lucky to be doing ten to fifteen hours total a fortnight. If you\n\nChannel 0: Total\n\nChannel 1: averaged\n\nChannel 0: four\n\nChannel 1: it\n\nChannel 0: nine.\n\nChannel 1: out.\n\nChannel 0: Okay. K. 10 to 15 average of fortnight. The income's high because that's a $100 an hour. That's fair enough.\n\nChannel 1: Yep.\n\nChannel 0: So five and four, four and five, twelve hour shifts. And that's\n\nChannel 1: Plus\n\nChannel 0: before overtime or after?\n\nChannel 1: that\n\nChannel 0: Include?\n\nChannel 1: that's before overtime. So, like, you know, that's excluding overtime. Like, I'm doing I'm doing two to three overtime shifts a month.\n\nChannel 0: Every time. Yes. Per month. When you do overtime, how many hours do you do for that\n\nChannel 1: It's twelve\n\nChannel 0: that\n\nChannel 1: hours.\n\nChannel 0: shift\n\nChannel 1: I I get\n\nChannel 0: compared\n\nChannel 1: twelve\n\nChannel 0: to\n\nChannel 1: hours.\n\nChannel 0: twelve?\n\nChannel 1: I'm I'm not turning up for ten or eight. I go in there for twelve hours.\n\nChannel 0: Yeah.\n\nChannel 1: You're gonna\n\nChannel 0: Okay.\n\nChannel 1: if you're gonna you're gonna do overtime,\n\nChannel 0: And are\n\nChannel 1: you\n\nChannel 0: there any\n\nChannel 1: might\n\nChannel 0: days\n\nChannel 1: as well\n\nChannel 0: where\n\nChannel 1: get\n\nChannel 0: it's\n\nChannel 1: the\n\nChannel 0: above\n\nChannel 1: maximum.\n\nChannel 0: twelve?\n\nChannel 1: Sorry?\n\nChannel 0: Yeah. Is there any where it's above twelve?\n\nChannel 1: Nah. Nah.\n\nChannel 0: Any shifts that'll be below twelve, what what would they be like?\n\nChannel 1: I don't ever do them. Really?\n\nChannel 0: No. Okay. So I'll just do twelve hours on the five and four, four and five,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: And\n\nChannel 0: compare\n\nChannel 1: I'm doing\n\nChannel 0: that\n\nChannel 1: at\n\nChannel 0: to\n\nChannel 1: least\n\nChannel 0: 10 to 15\n\nChannel 1: at least\n\nChannel 0: a fortnight average.\n\nChannel 1: at least two to three extra shifts a month on that at Mount Arthur at twelve hours each. And then, yeah, if you average out my hours over the year, I'd be lucky to be ten to fifteen hours a fortnight, which should be let surely\n\nChannel 0: Yep.\n\nChannel 1: be let\n\nChannel 0: K.\n\nChannel 1: sounds to me would be less than 10%.\n\nChannel 0: So if you go sixty hours a week average for that, let's say, five five to seven on there. Okay. So what I'll do is I'm gonna do a bit of a split. I'm gonna have a look at kicking out the waiting period for your one part policy\n\nChannel 1: Right.\n\nChannel 0: to 60 or 90 savings and premiums more so than trimming your benefit down from a sixty five to five years or two years. So I would kick\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Okay.\n\nChannel 0: out to six year nine, that's gonna be\n\nChannel 1: Yeah.\n\nChannel 0: What I'll do from there is I'm gonna call and see if I can get the fire fire excluded. I'll base it off just a a couple of $100 for Mount Arthur. And based on that occasion, if that gives us replacement of all your insurances, I'll let you know. If it's just income protection, I'll send you that quote as well just so you've got\n\nChannel 1: Yep.\n\nChannel 0: it.\n\nChannel 1: Yeah. Right on. Sounds good. It's good\n\nChannel 0: Cool.\n\nChannel 1: good\n\nChannel 0: And for\n\nChannel 1: finally\n\nChannel 0: the super\n\nChannel 1: getting finally getting\n\nChannel 0: investment\n\nChannel 1: some action on it.\n\nChannel 0: no. That's alright. It's good that we've had this conversation if that clears it up for me. Because, like I said, it's been a pain in the ass for when everyone is arguing the point, but now I've got a bit more ammunition. For the super, I've already got a portfolio picked out some lower fee investments that'll pick up that and bring the super performance back up.\n\nBut let me just see if I can get these premiums down, and\n\nChannel 1: Yes. Me.\n\nChannel 0: I'll get you on to that account and see if they can help.\n\nChannel 1: Yep. Friday. That'd be sweet. And can you can you give me a while you do that? I can afford it.\n\nShould I should I do some pretax sacrificing to my super through I do already do it $250 a fortnight through Fire and Rescue. Should I do it with my\n\nChannel 0: Yep.\n\nChannel 1: with my coal mining job as well? Because I I\n\nChannel 0: Okay.\n\nChannel 1: can\n\nChannel 0: So\n\nChannel 1: I can\n\nChannel 0: what I want you\n\nChannel 1: I\n\nChannel 0: to\n\nChannel 1: can trim some I can trim some fat off that because I'm earning\n\nChannel 0: do\n\nChannel 1: good money there too?\n\nChannel 0: okay. Go on to your myGov and see if it's got any more of that carry forward left over for the last five years,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Righto.\n\nChannel 0: just shoot me back, like, a a message or an email.\n\nChannel 1: You know what? You know, it'd be nice if I could get\n\nChannel 0: If\n\nChannel 1: on the\n\nChannel 0: not\n\nChannel 1: myGov. They just cannot I cannot get on it. I put all my\n\nChannel 0: oh,\n\nChannel 1: information\n\nChannel 0: no.\n\nChannel 1: on there, like my page e stuff, my fucking birth certificate, all that shit, and it keeps spitting me back out. And I've done it on my mobile\n\nChannel 0: Bugger.\n\nChannel 1: phone. I've\n\nChannel 0: Okay.\n\nChannel 1: done it on a fucking desktop computer. It just doesn't like me. I don't know what to do. Because I wanna get on the ATL app and fucking keep an eye on me taxes. I'm sick of it.\n\nChannel 0: So have you tried calling the ATL and just, like, maybe I mean, the login is one thing, but you could always ask them, hey. Look. I can't get into the myGov. Can you tell me what the hell my carry forward is and see if they can tell you?\n\nChannel 1: Yeah. Right. Yeah.\n\nChannel 0: So\n\nChannel 1: I\n\nChannel 0: I'll\n\nChannel 1: normally\n\nChannel 0: send you\n\nChannel 1: I\n\nChannel 0: an email\n\nChannel 1: I normally\n\nChannel 0: with how to\n\nChannel 1: for\n\nChannel 0: get\n\nChannel 1: that for that shit, I normally call me account, and then he can get into that shit straight up and send me an email with it all on it. I've done that before. He's pretty good. But I just don't think he's up to speed with this fucking these allowances and all that kind of shit, the tax concessions that I'm entitled to being in fire and rescue. I think it might have caught in again.\n\nAre you there? Yeah. She's cut out again. You fucking stupid service. Are you there still?\n\nHello?\n\nChannel 0: Yep. Gotcha, Kane.\n\nChannel 1: Fuck, mate. It just just went silent again on me.\n\nChannel 0: That's alright. Last thing I wanted to say, so just quick recap, is I'll do the the account referral. We'll look at the property stuff down the line\n\nChannel 1: Yeah.\n\nChannel 0: when you get a chance to look at\n\nChannel 1: Yes.\n\nChannel 0: that. Sort the insurances, sort the super, and then I've just gotta check what to do with your contributions after after you get the\n\nChannel 1: Wait.\n\nChannel 0: checks.\n\nChannel 1: Alright.\n\nChannel 0: Cool.\n\nChannel 1: Because,\n\nChannel 0: Anything\n\nChannel 1: yeah,\n\nChannel 0: else\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: can\n\nChannel 0: could do for you?\n\nChannel 1: I can hate I can very easily I've got the form there at work where I can put it into payroll at BHP and do some pretax contributions? That's fine. I've certainly got the the fat there for it as far as earnings, but but, yeah, if we're gonna get a bit of a new\n\nChannel 0: Well\n\nChannel 1: direction on my on my super and get it fucking banging out some some some growth again, well, you know, it just\n\nChannel 0: yep.\n\nChannel 1: seems like the last twelve months, I've just banged in a bit of money into it, and it's just going straight out the ass end.\n\nChannel 0: And it's logged in.\n\nChannel 1: I looked at it the other day, and I went, what the fuck? And then, like, I saw it, you know, when that when those deductions come out from the insurances and that, I went, that is just railroad fucking robbery.\n\nChannel 0: Yeah. And that's what it is. It's like market slowed down on a couple of the investments. Premiums\n\nChannel 1: Yeah.\n\nChannel 0: came out, and it just slowed it right down. One one thing I wanted to run by you, the mortgage, are you using an offset account?\n\nChannel 1: I do have I did have an offset account there, but I went with UBank. And I when I get myself into a position where I can buy a property, I want my my broker wants to get me out of that home loan and into another one so I can get an offset offset account again.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Because I've got\n\nChannel 0: So\n\nChannel 1: a bit\n\nChannel 0: what\n\nChannel 1: I got\n\nChannel 0: I was\n\nChannel 1: a bit\n\nChannel 0: thinking\n\nChannel 1: I got a\n\nChannel 0: is\n\nChannel 1: better interest rate with with UBank, but they didn't have an offset account.\n\nChannel 0: your bank. How much you got owing on it?\n\nChannel 1: About because I went to when I was with my partner, we went to we went to buy another place, and I pulled some money out of my out of my we we needed some cash as well. I we got a second mortgage on it. I think I\n\nChannel 0: Okay.\n\nChannel 1: owe just over 500,000 on it.\n\nChannel 0: Okay. I'll\n\nChannel 1: About\n\nChannel 0: put 500.\n\nChannel 1: five hundred and 10,000.\n\nChannel 0: One of the things that I do with the mining guys a lot with the big income is\n\nChannel 1: Yeah.\n\nChannel 0: I get them to pull the cash into the offset account for the year and then do the one off contribution in June. And that way you can\n\nChannel 1: Alright.\n\nChannel 0: sort of double dip the interest in the tax savings.\n\nChannel 1: Yeah. Okay. Well, see, any sort of any sort of cash that I've got on top, I've been putting in to maximize my earnings on the stocks and crypto.\n\nChannel 0: Yeah.\n\nChannel 1: So I am I'm definitely making money\n\nChannel 0: No. That's\n\nChannel 1: there. It's\n\nChannel 0: fine.\n\nChannel 1: just I need I need a I need a strategy once it comes to a point where I, you know, wanna pay some debt out with it and all that kind of stuff to do it and then sort of try and minimize my tax obligations as much as I can. So I'm not gonna I'm not gonna pull money out of\n\nChannel 0: Yeah.\n\nChannel 1: it unless like, I've had someone go through it and have a look and go, right o. Well, let's do it this way. So I wanna pay off a bit of that personal\n\nChannel 0: Well,\n\nChannel 1: debt\n\nChannel 0: what you\n\nChannel 1: and get\n\nChannel 0: basically\n\nChannel 1: rid\n\nChannel 0: wanna\n\nChannel 1: of it\n\nChannel 0: do\n\nChannel 1: and then then go and buy a place.\n\nChannel 0: yeah. Well, let let's say you you skip forward to 2030. Right? Let's say you you're off Manhass and you're just on that $60. Well, then you've got a much bigger buffer to use the lower tax brackets for the sale of the investment and possible offsets after that.\n\nSo it might be a bit of a timing down\n\nChannel 1: Yeah.\n\nChannel 0: the line. Line it up when\n\nChannel 1: Yeah.\n\nChannel 0: the income\n\nChannel 1: I've\n\nChannel 0: goes down to kind of live\n\nChannel 1: I've\n\nChannel 0: off it.\n\nChannel 1: I've got no interest in pulling any money out of it right now unless it's just a yes and fucking sort out some debt that I've I mean, to sort the debt out, I wanna do it before I lose my big earnings that I've got at Mount Arthur. I wanna wipe that\n\nChannel 0: Gotcha.\n\nChannel 1: debt out so that that cash is coming into my account, and then I can top top my my, you know, crypto accounts up and that again that I'm making money on. I wanna be able to do that. So, I mean, if I have to pay a bit of tax on it, well, then I just have to fucking wear it, I guess,\n\nChannel 0: Yeah.\n\nChannel 1: to get because, yeah, it's a couple\n\nChannel 0: It\n\nChannel 1: of\n\nChannel 0: might\n\nChannel 1: fucking\n\nChannel 0: be\n\nChannel 1: silly\n\nChannel 0: a small thing\n\nChannel 1: couple\n\nChannel 0: to\n\nChannel 1: of\n\nChannel 0: do now.\n\nChannel 1: a couple of silly couple of silly decisions back in the day. I've got a fucking I I I just about have the means to get rid of them. So\n\nChannel 0: Yeah. I get you. So it might be knock that off now and then leave the biggest stuff to the five year mark.\n\nChannel 1: yeah. But, yeah, if I'm making money on this crypto thing like I am at the moment because we've used it we've been going full full throttle into that because The US stock market's just taken, like, the semiconductor and the AI sectors have absolutely lost their ass. So I've got a couple of I've got I've got some bit of money into a couple of stocks that I'm hoping that are gonna come back, but,\n\nChannel 0: K.\n\nChannel 1: you know, I've piled we've piled money into this crypto hedging strategy, and I'm, you know, fucking making amazing money off it. Fucking can't believe, like, I'm you know, when he's telling me to when they're telling me to close these crypto orders, you know, it's profit loss of, like, 35%.\n\nChannel 0: Jeez. But we're gonna have to end up going to Cayman Islands at some point or The UAE.\n\nChannel 1: Maybe. Because,\n\nChannel 0: I\n\nChannel 1: yeah,\n\nChannel 0: don't know.\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: don't\n\nChannel 0: have\n\nChannel 1: wanna\n\nChannel 0: to\n\nChannel 1: fuck\n\nChannel 0: talk to\n\nChannel 1: it.\n\nChannel 0: a couple of international advisers and see if we start going to different tax jurisdictions. Maybe that's something down the line to think about.\n\nChannel 1: Yeah. Why not? This is no good given it as if I can government, mate. They just spend it on shit.\n\nChannel 0: Yeah. That's probably the way things are gonna go. People are gonna start just trying to exit in their funds to other countries.\n\nChannel 1: Yeah. Well, you already got people leaving Australia\n\nChannel 0: You know?\n\nChannel 1: to other countries and that because of their country's less and less tax obligations that they require. It's just a fucking joke How we're getting we're getting absolutely railroaded in this country.\n\nChannel 0: Yeah. Yeah. It seems to be all the doors are closing one by one. It's\n\nChannel 1: Yes.\n\nChannel 0: been a pretty sad ten years to watch every new budget comes out as another thing closed.\n\nChannel 1: Well, the problem that you've got is a lot of these politicians, a lot of them are solicitors and lawyers and shit. All they know how to do is make laws. That's all they know\n\nChannel 0: That's\n\nChannel 1: how to do.\n\nChannel 0: exactly\n\nChannel 1: They\n\nChannel 0: what I said to the team last week. They\n\nChannel 1: they\n\nChannel 0: don't actually\n\nChannel 1: don't have\n\nChannel 0: know anything\n\nChannel 1: they don't\n\nChannel 0: economically\n\nChannel 1: have\n\nChannel 0: or\n\nChannel 1: well, no. They don't. Like, Jim Chalmers couldn't organize a fucking pie raffle at local school, and he's in charge of a fucking $3,000,000,000,000 economy. It's a fucking joke.\n\nChannel 0: That's it.\n\nChannel 1: And\n\nChannel 0: You\n\nChannel 1: how\n\nChannel 0: know,\n\nChannel 1: the\n\nChannel 0: they just\n\nChannel 1: fuck\n\nChannel 0: write the legislation\n\nChannel 1: how\n\nChannel 0: for the lobbying groups.\n\nChannel 1: yeah. That's it. And but that's all I know how to do is make laws, and that's it. They don't they don't have any economic at all. And and and they're too busy too busy fucking going after Pauline Hanson and Gina Reinhardt than actually fucking running the country properly.\n\nAnd problem is the problem\n\nChannel 0: Yeah.\n\nChannel 1: the way I see it is charity starts at home. We need to start putting fucking Australian people first. This is bullshit.\n\nChannel 0: Yep. Yep. Well, I can't get into the politics at work, but, yeah, I can't say I disagree with you. Alright. Still got you there.\n\nChannel 1: Yeah, mate. I'm still here. Be here at work, like, in the crib room and that when we're having our crib and stuff, the fucking arguments, the political arguments that ensue at work, it's just I guess that sometimes I have to get up and just walk out. I'm fucking over it.\n\nChannel 0: Well, we'll do the best we can with the options we got while we're here, and we're gonna come to people make right. Can I if you can\n\nChannel 1: Yeah.\n\nChannel 0: still hear me, I'm still getting a bit of a cutout, so I might have\n\nChannel 1: No.\n\nChannel 0: to leave\n\nChannel 1: I'm\n\nChannel 0: it\n\nChannel 1: here.\n\nChannel 0: there if that's alright?\n\nChannel 1: I'm\n\nChannel 0: Cool. Cool. So I've got everything noted down for what we're gonna\n\nChannel 1: here.\n\nChannel 0: do. I'm gonna endeavor to try and sort this out over the couple of weeks and get you booked in to run through it with you. Just keep an ear out for those two emails if that's\n\nChannel 1: Okay. Yeah. I'll have a look at them today.\n\nChannel 0: alright.\n\nChannel 1: Is that when you're gonna send them through or next couple of days?\n\nChannel 0: Yeah. Yep. Let me just have a look at what I got on this. Yeah. I should be able to get them to you tonight.\n\nMy last one's at 05:30, and then I'll pretty much email you straight away after that.\n\nChannel 1: Fantastic. Right\n\nChannel 0: Well, it's been a pleasure, and I do appreciate you taking the time to talk it through with me again, mate. But leave it with me, and proof will be in the pudding when I show you the plan.\n\nChannel 1: Righto, mate. Thank you very much.\n\nChannel 0: Awesome. Have a great day, Kane. Cheers.\n\nChannel 1: Cheers. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.017439046874642372}],"sentiment":"neutral","sentiment_score":0.017439046874642372,"channel":0,"num_words":1,"start":0.16,"end":0.65999997},{"sentences":[{"text":"Hi, Tommy.","start":1.68,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.05432188883423805},{"text":"I have Kane McDonald on the phone for you.","start":2.3999999,"end":4.5,"sentiment":"neutral","sentiment_score":0.08959206442038219}],"sentiment":"neutral","sentiment_score":0.08317930522290143,"channel":1,"num_words":11,"start":1.68,"end":4.5},{"sentences":[{"text":"Oh, fantastic.","start":4.88,"end":5.8599997,"sentiment":"positive","sentiment_score":0.6882763206958771},{"text":"Nice.","start":6.56,"end":6.96,"sentiment":"positive","sentiment_score":0.5731269717216492}],"sentiment":"positive","sentiment_score":0.6498932043711344,"channel":0,"num_words":3,"start":4.88,"end":6.96},{"sentences":[{"text":"Yeah.","start":6.7999997,"end":7.2999997,"sentiment":"positive","sentiment_score":0.37315523624420166}],"sentiment":"positive","sentiment_score":0.37315523624420166,"channel":1,"num_words":1,"start":6.7999997,"end":7.2999997},{"sentences":[{"text":"Pop them through when you're ready.","start":6.96,"end":8.34,"sentiment":"neutral","sentiment_score":0.2937573393185933}],"sentiment":"neutral","sentiment_score":0.2937573393185933,"channel":0,"num_words":6,"start":6.96,"end":8.34},{"sentences":[{"text":"Awesome.","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.4361131489276886},{"text":"Also, I don't know why that message is still pending.","start":9.679999,"end":11.679999,"sentiment":"neutral","sentiment_score":-0.08351181969046592},{"text":"I just went and had a look myself.","start":11.679999,"end":13.04,"sentiment":"neutral","sentiment_score":-0.08091925270855427},{"text":"I can't figure it out.","start":13.04,"end":14.175,"sentiment":"neutral","sentiment_score":-0.15863852202892303}],"sentiment":"neutral","sentiment_score":-0.0766479866579175,"channel":1,"num_words":24,"start":9.04,"end":14.175},{"sentences":[{"text":"Yeah.","start":14.655001,"end":14.975,"sentiment":"neutral","sentiment_score":0.10886422544717787},{"text":"And my thing just rang out, so it's great that you fall back.","start":14.975,"end":18.995,"sentiment":"positive","sentiment_score":0.37200014980939716}],"sentiment":"positive","sentiment_score":0.3532047266406672,"channel":0,"num_words":14,"start":14.655001,"end":18.995},{"sentences":[{"text":"Lovely.","start":19.775,"end":20.275,"sentiment":"positive","sentiment_score":0.5098739266395569},{"text":"Alrighty.","start":20.415,"end":20.915,"sentiment":"positive","sentiment_score":0.35502320528030396},{"text":"I'll send it through.","start":21.135,"end":22.275,"sentiment":"neutral","sentiment_score":0.31430526822805405}],"sentiment":"positive","sentiment_score":0.3536863674720128,"channel":1,"num_words":6,"start":19.775,"end":22.275},{"sentences":[{"text":"Thank you.","start":22.735,"end":23.555,"sentiment":"positive","sentiment_score":0.45505157113075256}],"sentiment":"positive","sentiment_score":0.45505157113075256,"channel":0,"num_words":2,"start":22.735,"end":23.555},{"sentences":[{"text":"Thank 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this conversation if that clears it up for me.","start":2875.785,"end":2878.7449,"sentiment":"positive","sentiment_score":0.4739906851734434},{"text":"Because, like I said, it's been a pain in the ass for when everyone is arguing the point, but now I've got a bit more ammunition.","start":2878.7449,"end":2883.885,"sentiment":"neutral","sentiment_score":-0.08586222406190175},{"text":"For the super, I've already got a portfolio picked out some lower fee investments that'll pick up that and bring the super performance back up.","start":2885.2249,"end":2893.56,"sentiment":"neutral","sentiment_score":0.2755959951877594}],"sentiment":"neutral","sentiment_score":0.17050394771949334,"channel":0,"num_words":68,"start":2874.905,"end":2893.56},{"sentences":[{"text":"But let me just see if I can get these premiums down, and","start":2893.56,"end":2896.94,"sentiment":"neutral","sentiment_score":0.13256352910628685}],"sentiment":"neutral","sentiment_score":0.13256352910628685,"channel":0,"num_words":13,"start":2893.56,"end":2896.94},{"sentences":[{"text":"Yes.","start":2896.56,"end":2896.8,"sentiment":"neutral","sentiment_score":0.14697468280792236},{"text":"Me.","start":2896.8,"end":2897.3,"sentiment":"neutral","sentiment_score":0.19246074557304385}],"sentiment":"neutral","sentiment_score":0.1697177141904831,"channel":1,"num_words":2,"start":2896.56,"end":2897.3},{"sentences":[{"text":"I'll get you on to that account and see if they can 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should I do some pretax sacrificing to my super through I do already do it $250 a fortnight through Fire and Rescue.","start":2909.9749,"end":2920.8599,"sentiment":"neutral","sentiment_score":0.08629222788537542},{"text":"Should I do it with my","start":2921.32,"end":2922.8599,"sentiment":"neutral","sentiment_score":0.0744367924829324}],"sentiment":"neutral","sentiment_score":0.08392114080488682,"channel":1,"num_words":30,"start":2909.9749,"end":2922.8599},{"sentences":[{"text":"Yep.","start":2922.71,"end":2923.21,"sentiment":"neutral","sentiment_score":0.05965538322925568}],"sentiment":"neutral","sentiment_score":0.05965538322925568,"channel":0,"num_words":1,"start":2922.71,"end":2923.21},{"sentences":[{"text":"with my coal mining job as well?","start":2923.72,"end":2925.58,"sentiment":"neutral","sentiment_score":0.06648176589182445},{"text":"Because I 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fat off that because I'm earning","start":2928.315,"end":2931.195,"sentiment":"neutral","sentiment_score":0.09842400596692012}],"sentiment":"neutral","sentiment_score":0.09842400596692012,"channel":1,"num_words":13,"start":2928.315,"end":2931.195},{"sentences":[{"text":"do","start":2930.915,"end":2931.415,"sentiment":"neutral","sentiment_score":0.16640517115592957}],"sentiment":"neutral","sentiment_score":0.16640517115592957,"channel":0,"num_words":1,"start":2930.915,"end":2931.415},{"sentences":[{"text":"good money there too?","start":2931.195,"end":2932.415,"sentiment":"neutral","sentiment_score":0.2652785964310169}],"sentiment":"neutral","sentiment_score":0.2652785964310169,"channel":1,"num_words":4,"start":2931.195,"end":2932.415},{"sentences":[{"text":"okay.","start":2934.0752,"end":2934.5752,"sentiment":"neutral","sentiment_score":0.005307512823492289},{"text":"Go on to your myGov and see if it's got any more of that carry forward left over for the last five years,","start":2935.0352,"end":2941.4,"sentiment":"neutral","sentiment_score":-0.015758231930110767}],"sentiment":"neutral","sentiment_score":-0.014880492565377304,"channel":0,"num_words":24,"start":2934.0752,"end":2941.4},{"sentences":[{"text":"Yeah.","start":2941.63,"end":2941.71,"sentiment":"neutral","sentiment_score":-0.0010635461658239365}],"sentiment":"neutral","sentiment_score":-0.0010635461658239365,"channel":1,"num_words":1,"start":2941.63,"end":2941.71},{"sentences":[{"text":"and","start":2941.7,"end":2942.2,"sentiment":"neutral","sentiment_score":-0.00031012576073408127}],"sentiment":"neutral","sentiment_score":-0.00031012576073408127,"channel":0,"num_words":1,"start":2941.7,"end":2942.2},{"sentences":[{"text":"Righto.","start":2941.71,"end":2942.21,"sentiment":"neutral","sentiment_score":-0.01232096366584301}],"sentiment":"neutral","sentiment_score":-0.01232096366584301,"channel":1,"num_words":1,"start":2941.71,"end":2942.21},{"sentences":[{"text":"just shoot me back, like, a a message or an email.","start":2942.74,"end":2945.16,"sentiment":"neutral","sentiment_score":-0.015744171613319355}],"sentiment":"neutral","sentiment_score":-0.015744171613319355,"channel":0,"num_words":11,"start":2942.74,"end":2945.16},{"sentences":[{"text":"You know what?","start":2945.31,"end":2946.03,"sentiment":"neutral","sentiment_score":-0.024484044561783474},{"text":"You know, it'd be nice if I could get","start":2946.03,"end":2947.31,"sentiment":"neutral","sentiment_score":-0.048013967358403735}],"sentiment":"neutral","sentiment_score":-0.04213148665924867,"channel":1,"num_words":12,"start":2945.31,"end":2947.31},{"sentences":[{"text":"If","start":2947.2998,"end":2947.5398,"sentiment":"neutral","sentiment_score":-0.03028721734881401}],"sentiment":"neutral","sentiment_score":-0.03028721734881401,"channel":0,"num_words":1,"start":2947.2998,"end":2947.5398},{"sentences":[{"text":"on 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page e stuff, my fucking birth certificate, all that shit, and it keeps spitting me back out.","start":2952.83,"end":2959.285,"sentiment":"negative","sentiment_score":-0.44185178052811397},{"text":"And I've done it on my 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hey.","start":2973.28,"end":2979.815,"sentiment":"neutral","sentiment_score":-0.10228433549404144},{"text":"Look.","start":2979.815,"end":2980.055,"sentiment":"neutral","sentiment_score":-0.10024788975715636},{"text":"I can't get into the myGov.","start":2980.055,"end":2981.335,"sentiment":"neutral","sentiment_score":-0.14646661778291067},{"text":"Can you tell me what the hell my carry forward is and see if they can tell 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And then Yeah.","start_word":594,"end_word":648,"intents":[{"intent":"Discuss income and contributions","confidence_score":0.0044994564}]},{"text":"with Fire and Rescue. And I I I think I'm I I think the the tax office are just absolutely burning me at the moment.","start_word":1548,"end_word":1572,"intents":[{"intent":"Provide assistance","confidence_score":0.00086727313}]},{"text":"If you want a second opinion and see if he can come up with a few better things for you for this tax return I can get you onto it.","start_word":1874,"end_word":1903,"intents":[{"intent":"Request tax return","confidence_score":0.0030388902}]},{"text":"you claim you wanna claim, what, 50% or or after your Medicare levy, 47% of your tax that you've paid in foreign rescue. You claim that back.","start_word":1991,"end_word":2017,"intents":[{"intent":"Claim tax","confidence_score":0.0007604685}]},{"text":"And and I thought that would have done a a decent amount of of deductions on my tax, and I'm still paying tax.","start_word":2183,"end_word":2205,"intents":[{"intent":"Evaluate tax deductions","confidence_score":0.07935931}]},{"text":"guys who Absolutely. are on. Yeah.","start_word":2848,"end_word":2853,"intents":[{"intent":"Promote niss","confidence_score":0.0004916886}]},{"text":"I've been I I'm being heavily into leveraging crypto and also and also The US stock market in the last twelve months.","start_word":3445,"end_word":3466,"intents":[{"intent":"Leveraging crypto","confidence_score":0.006108047}]},{"text":"I'm making $3,000 US a day on it.","start_word":3502,"end_word":3509,"intents":[{"intent":"Making money","confidence_score":0.3108308}]},{"text":"So what the guys are are doing at the moment is they're gonna accumulate maybe five to seven years of of negatives, and Yeah. then whatever they've gotten from business growth and capital growth on investments, they're gonna sell them and offset them all in the one year.","start_word":3670,"end_word":3717,"intents":[{"intent":"Reducing negative investments","confidence_score":0.000022628567}]},{"text":"no in no no unless, you know, unless I absolutely suck my finances up somehow, and then I have to pull money out that we live off, this is this is gonna be Yeah.","start_word":3827,"end_word":3860,"intents":[{"intent":"Evaluate financial flexibility","confidence_score":0.0007630391}]},{"text":"Well, this is what this Entity is what Omar is has getting been talking squashed to me anyway. talking to me today about, you know, coming up with a couple of companies and doing it through that. Yeah.","start_word":4812,"end_word":4849,"intents":[{"intent":"Discussing omar's strategy","confidence_score":0.00091628765},{"intent":"Discussing coke sales","confidence_score":0.023154631},{"intent":"Discussing the situation with coke","confidence_score":0.000036999405}]},{"text":"How how did you go with the Pokemon card collection?","start_word":4885,"end_word":4894,"intents":[{"intent":"Discussing coke cards","confidence_score":0.12584339}]},{"text":"How how did you go with the Pokemon card collection? Because you you had a buyer lined up for that last year. Yeah.","start_word":4885,"end_word":4907,"intents":[{"intent":"Discussing coke collection","confidence_score":0.0016400699},{"intent":"Discussing octopus card collection","confidence_score":0.001621778}]},{"text":"I've been going and some of the money that I have that I had, I went and bought a couple of collections of people at really good prices and then sold gave them to on sale through him through his business in Sydney. But I ended up making about $250 out of that out of that transaction. Yep.","start_word":5083,"end_word":5140,"intents":[{"intent":"Identifying coke's money","confidence_score":0.0000016301652}]},{"text":"It's a it's per Pokemon internationally is worth more than Disney. yeah.","start_word":5260,"end_word":5271,"intents":[{"intent":"Compare investments and value","confidence_score":0.0011568535}]},{"text":"I'm staying away from the Australian stock market. They're too slow. Yep.","start_word":5634,"end_word":5645,"intents":[{"intent":"Explain inability to perform","confidence_score":1.14406824e-7}]},{"text":"The US stock market's got that good volatility that, you know, that you're you're looking for, especially if you're buying in volume.","start_word":5646,"end_word":5667,"intents":[{"intent":"Mention stock market volatility","confidence_score":0.0000765213}]},{"text":"The US stock market's got that good volatility that, you know, that you're you're looking for, especially if you're buying in volume. And then, you know, if you understand crypto leveraging, you know, I'm making really, really good money on that every day because they're ten, fifteen minute trades because I'm longing and shorting crypto Yeah.","start_word":5646,"end_word":5701,"intents":[{"intent":"Offer trading strategy","confidence_score":0.000003874213}]},{"text":"And then, you know, if you understand crypto leveraging, you know, I'm making really, really good money on that every day because they're ten, fifteen minute trades because I'm longing and shorting crypto Yeah. against Gotcha.","start_word":5668,"end_word":5703,"intents":[{"intent":"Discuss trading options","confidence_score":0.00647773}]},{"text":"And then, you know, if you understand crypto leveraging, you know, I'm making really, really good money on that every day because they're ten, fifteen minute trades because I'm longing and shorting crypto Yeah. against Gotcha. Bitcoin.","start_word":5668,"end_word":5704,"intents":[{"intent":"Discuss cryptocurrencies","confidence_score":0.0031915377}]},{"text":"We made a we made a we made a investment. We made a trade at it was about 5AM. 6AM, I I made the investment. And by 7AM, I was given a to close close that close that order immediately, and I made 3,000 US dollars Oh, there you go.","start_word":5725,"end_word":5774,"intents":[{"intent":"Discuss investment","confidence_score":0.016279453}]},{"text":"So it's just getting better and better. Like, these blokes are just they're just on the on money. Like, I've I've signed a a a a contract with them. It's all legit. I share with them 10% of the earnings at the end of three months. Yeah.","start_word":5814,"end_word":5860,"intents":[{"intent":"Discuss upcoming changes","confidence_score":0.000006455339}]},{"text":"Like, these blokes are just they're just on the on money. Like, I've I've signed a a a a contract with them. It's all legit. I share with them 10% of the earnings at the end of three months. Yeah.","start_word":5821,"end_word":5860,"intents":[{"intent":"Mention evaluating money management","confidence_score":7.3135973e-9}]},{"text":"Like, I've I've signed a a a a contract with them. It's all legit. I share with them 10% of the earnings at the end of three months. Yeah.","start_word":5832,"end_word":5860,"intents":[{"intent":"Mention signing a contract","confidence_score":0.0024908166}]},{"text":"gonna they're gonna pay us out our redundancies on the July 1. So you're pretty much trying to set yourself up between now and then with all the investments, the income, all that sort of stuff so that you can basically take it easy after that point. Absolute Go a bit absolutely. of maybe part time with the fireies Well and yeah.","start_word":5963,"end_word":6024,"intents":[{"intent":"Evaluate retirement plans","confidence_score":0.026930183}]},{"text":"Everything's through trust and company, and all they've talked the last couple of years is tax tax tax. And they haven't gotten a sense from the government the entire time they lived it. 100%. But And that's it is the way still it should it's be. still a fucking good thing to aim for. Yeah.","start_word":6211,"end_word":6265,"intents":[{"intent":"Express frustration","confidence_score":0.00014853293}]},{"text":"So And all they've I taken can it do for them taken is the I've liberty got the the liberty of all things that they can only come with us. We're just gonna overinflate his fucking insurance premiums. pretty much.","start_word":7028,"end_word":7067,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.26918924}]},{"text":"I tried calling around everybody and arguing the points of fucking months. And all I've been able to sort of come up with is we just trim it down a bit to chop off a few grand.","start_word":7267,"end_word":7303,"intents":[{"intent":"Arrange","confidence_score":0.0000033948634}]},{"text":"until that point, we're gonna have to work with these guys for a little while. Yeah.","start_word":7327,"end_word":7342,"intents":[{"intent":"Work with","confidence_score":0.006619893}]},{"text":"I saw and and and what's what what is the what is the stipulations around that that income protection? Is it what? 75%, 8080%? What is it? Yeah.","start_word":7418,"end_word":7445,"intents":[{"intent":"Clarify","confidence_score":0.33719727}]},{"text":"So you've got one of the old 75% policy. Anything Right.","start_word":7446,"end_word":7456,"intents":[{"intent":"Inquire about policy","confidence_score":0.00074340386}]},{"text":"So the options there are pretty fucking limited because you're on thirty days at the moment.","start_word":7540,"end_word":7555,"intents":[{"intent":"Determine limit","confidence_score":0.00011339644}]},{"text":"is I I could I'm gonna I could send flight you three I could quotes flight through.","start_word":7597,"end_word":7613,"intents":[{"intent":"Request quote","confidence_score":0.24501102}]},{"text":"So what I'm thinking, the if only needed. options we've got is I've got a quote here for improving the income through one pass down to five year benefit or two year benefit. That'll trim a few grand off. I'll send those through here. Mhmm. Yeah.","start_word":7625,"end_word":7670,"intents":[{"intent":"Discuss benefits","confidence_score":0.055117927},{"intent":"Clarify benefits","confidence_score":0.009246025}]},{"text":"And let me just have a little bit of premiums here. Basically, I'll give you the options. You tell me what you wanna go ahead with, but I'll grab up this quote now. So thirteen week wait two year benefit trimmed it down from $7 to $3. Yeah.","start_word":7706,"end_word":7753,"intents":[{"intent":"Discuss premiums","confidence_score":0.0074120727}]},{"text":"The Fire definition's fire and rest shit. So fire and rest fire and rescue, like, if I didn't if if I didn't have to pull an income out of fire and rescue, I'd be covered by fire and rescue for me is only just, like, cream on the top. Really? Yeah.","start_word":7777,"end_word":7827,"intents":[{"intent":"Clarify definition of fire and rescue","confidence_score":0.009325688}]},{"text":"How much time I give to Fire and Rescue? Or because it's only a yeah. part time Yep. job.","start_word":7860,"end_word":7878,"intents":[{"intent":"Determine share of time","confidence_score":0.00006259959}]},{"text":"But how how much is, like, a week or a fortnight or a month would you percentage it for working hours? Because the income is $60.","start_word":7903,"end_word":7928,"intents":[{"intent":"Calculate hours work hours and gain compensation","confidence_score":1.6330312e-10},{"intent":"Compare working hours and earnings","confidence_score":0.00046408703}]},{"text":"They're twelve hour shifts. I'm on the lifestyle roster, which is the five and four, four and five.","start_word":8235,"end_word":8252,"intents":[{"intent":"Recount shift assignments","confidence_score":1.498749e-7}]},{"text":"to 60 or 90 savings and premiums more so than trimming your benefit down from a sixty five to five years or two years. So I would kick Yeah.","start_word":8593,"end_word":8621,"intents":[{"intent":"Confirm benefits","confidence_score":0.0004576859},{"intent":"Discuss cost reduction","confidence_score":0.0029533359},{"intent":"Explain benefits","confidence_score":0.0018927138}]},{"text":"If it's just income protection, I'll send you that quote as well just so you've got Yep. it. Yeah.","start_word":8683,"end_word":8701,"intents":[{"intent":"Reject quote","confidence_score":0.00011054842}]},{"text":"good And for finally the super getting finally getting investment some action on it. no.","start_word":8709,"end_word":8723,"intents":[{"intent":"Discuss investment options","confidence_score":0.018749252}]},{"text":"I'll get you on to that account and see if they can help. Yep. Friday.","start_word":8806,"end_word":8820,"intents":[{"intent":"Offer assistance","confidence_score":0.013727951}]},{"text":"Go on to your myGov and see if it's got any more of that carry forward left over for the last five years, Yeah.","start_word":8912,"end_word":8935,"intents":[{"intent":"Request help with mygov login","confidence_score":0.023178859}]},{"text":"a couple of international advisers and see if we start going to different tax jurisdictions.","start_word":10310,"end_word":10324,"intents":[{"intent":"Explore tax jurisdictions","confidence_score":0.019273056}]},{"text":"Well, the problem that you've got is a lot of these politicians, a lot of them are solicitors and lawyers and shit. All they know how to do is make laws. That's all they know That's how to do.","start_word":10453,"end_word":10491,"intents":[{"intent":"Express frustration about politicians' efforts","confidence_score":0.004712337},{"intent":"Discuss the impact of political decisions on the economy","confidence_score":0.00008768018}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Tommy. I have Kane McDonald on the phone for you.","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.07343742251396179},{"text":"Oh, fantastic. Nice. Yeah.","start_word":12,"end_word":15,"sentiment":"positive","sentiment_score":0.5807086825370789},{"text":"Pop them through when you're ready.","start_word":16,"end_word":21,"sentiment":"neutral","sentiment_score":0.2809571921825409},{"text":"Awesome.","start_word":22,"end_word":22,"sentiment":"positive","sentiment_score":0.4361131489276886},{"text":"Also, I don't know why that message is still pending. I just went and had a look myself. I can't figure it out. Yeah.","start_word":23,"end_word":46,"sentiment":"neutral","sentiment_score":-0.08048885315656662},{"text":"And my thing just rang out, so it's great that you fall back. Lovely. Alrighty.","start_word":47,"end_word":61,"sentiment":"positive","sentiment_score":0.3851125240325928},{"text":"I'll send it through.","start_word":62,"end_word":65,"sentiment":"neutral","sentiment_score":0.31719714403152466},{"text":"Thank you. Thank you. Have fun.","start_word":66,"end_word":71,"sentiment":"positive","sentiment_score":0.435603141784668},{"text":"Good afternoon, Kane. Can you hear me okay? Yes. I can.","start_word":72,"end_word":82,"sentiment":"neutral","sentiment_score":0.11643388867378236},{"text":"Fantastic, mate. Thank you so much for calling back.","start_word":83,"end_word":91,"sentiment":"positive","sentiment_score":0.3997756540775299},{"text":"I wasn't able to ring through or get a text message through to you, so I wasn't Yeah. sure if there was No. I an issue I got your with text the phone message, line. and I was and I was ready to take the phone call, but the phone didn't bloody ring, and I just it just came through as a voice mail. And I'm like, oh, Oh, that's fantastic. I don't know what's going on my fucking Wait. phone, I but was actually yes. no idea. I was actually writing you an email just to say, hey. Look. I've tried to call, tried to text, but, well, thanks so much for calling back. No. No. No. No problem. I've you know, I was ready to take the call. That's alright. Mate, we've got you here, so that's perfect. I just wanted to double check with you. Did you go through the quick security check I with did. Caden Yes. when you got through? Yep. Amazing.","start_word":92,"end_word":258,"sentiment":"neutral","sentiment_score":-0.06423412263393402},{"text":"Thank you so much for that, mate.","start_word":259,"end_word":265,"sentiment":"positive","sentiment_score":0.4162197709083557},{"text":"So I've got you in for the discussion about the super performance, the insurance premiums, all that kind of thing. Yeah. How long have I got you for today? Oh, as long as you need, I guess. Like, I'm I'm I'm at work, but I'm just on a a fire station standby out west. So, you know, there's nothing Gotcha. happening at the moment.","start_word":266,"end_word":329,"sentiment":"neutral","sentiment_score":0.03679804503917694},{"text":"So I can as long as you need me, mate, I'm standing out and out out the front of this fire station in the nice sun, so it's really nice.","start_word":330,"end_word":359,"sentiment":"positive","sentiment_score":0.39487093687057495},{"text":"So Mate, it's foggy, cold, rainy, miserable over the Gold Coast, so a bit yeah. bit jealous, Well, now but it's it's perfect. got it was freezing here this morning. It was probably one degree this morning, but, you know, sun's out now, and it should get to about 21 degrees, so it should be nice.","start_word":360,"end_word":415,"sentiment":"neutral","sentiment_score":0.11574328690767288},{"text":"Perfect. Perfect.","start_word":416,"end_word":417,"sentiment":"positive","sentiment_score":0.6066110134124756},{"text":"Well, I didn't wanna actually waste too much of your time today because I've already been going through your file quite a lot with the team to try and work out some options for you. Yeah. It's fine. If you recall, you you you went through a whole pre assessment with Cadence where you went through all the health information, occupation information. And, basically, what we've been doing for the insurances is calling every single insurer and, basically, trying to argue and find out who can offer you sort of a better deal than what you've currently got because your premiums Yeah. are over I $10 now. know. Well, like, when I first signed up with Oakview, they were down around at least half that, and they've just absolutely Yeah. exploded, and nothing's changed in my life. You know, I I haven't had any hospital visits, like, nothing.","start_word":418,"end_word":565,"sentiment":"neutral","sentiment_score":-0.04676758497953415},{"text":"And just the premiums are just going through the roof. I I expected they've just thought I would just fucking drive them up, and they won't say anything.","start_word":566,"end_word":593,"sentiment":"negative","sentiment_score":-0.4015976488590241},{"text":"Well, you know, my earnings in my superannuation the last almost twelve months have it's done nothing. And I've been piling money in the for the for the last couple of years into my super, and it and it was performing. And then this year, it's just done it's done absolutely cool. And then Yeah. the And the amount pretty amount much you've amount been maxing I'm out your contributions. absolutely. Like and and, yeah, it's it's just not happening. And and and I'm it's a bit it's a bit concerning for me because, you know, when I jumped over to a hub 24, I was, you know, certainly sold all the bells and whistles about how my super is gonna perform, and this year, it's done nothing. Yeah. All the previous years looks fantastic in the last twelve months.","start_word":594,"end_word":733,"sentiment":"neutral","sentiment_score":-0.08622103078024727},{"text":"It's kind of gone sideways. Just dog I think shit.","start_word":734,"end_word":743,"sentiment":"negative","sentiment_score":-0.48825815320014954},{"text":"I'm looking at it there. $257,000 up to $2.89. Most of that contribution, a bit load of premiums coming out, probably about $18 worth of growth, which is not as high as it was previously. So No. but pretty much what I wanted to do on this call is I I haven't come to you with any excuses or anything. Basically, just try to come up with solutions. So I'm I'm Yeah. not gonna Like, send you anything in terms of, hey. Sorry. Go for it. Oh, no. You keep going. Like, well, you know, I was I was gonna talk to you as well because I'm in a pretty good financial position at the moment. I'm making very, very good money, but I'm also come tax Yes. time, I'm trying to buy I wanna buy another house. I wanna buy, you know, I wanna sort of try and try and reduce some of this income tax that I'm paying because I'm earning I'm earning in excess of of about $2.70 to $280 a year in my two jobs. Yes. And I wanna buy I wanna buy a property to try and, you know, try and minimize some of the tax that I pay and, you know, enjoy some of those tax concessions that are still available to you. But, you know and also, I was gonna talk to about upping what I'm contributing as far as my super as well to try and reduce some of that tax I'm paying, like, pre like, pre pre tax contributions and that, which I'll you know, I'm doing $2.50, but I was thinking about upping it to about $400. Yeah. Yep. Did you get a last tax return? I know we've just hit end of financial year now. But did you get a division two nine three notice last year for like, did you earn over $2.50 last year? Yeah. And then they they charge me they charge me $770 or something that I had to pay out of my super. I'm like, I thought Yes. I thought Yep. you had you have the ability ability to backtrack your super five years because they in the last five years, there's a couple of years that I haven't made the the concession Yeah. And use up up the to rest the of the concessional cap. cap. I thought you could you could dilute that in your last five years.","start_word":744,"end_word":1149,"sentiment":"neutral","sentiment_score":-0.037337728301200815},{"text":"But, you know, they wanted 770 out of me because I'd I'd I'd earned too much and put too much in me super or something.","start_word":1150,"end_word":1174,"sentiment":"negative","sentiment_score":-0.36485230922698975},{"text":"And Yeah.","start_word":1175,"end_word":1176,"sentiment":"neutral","sentiment_score":-0.17720448970794678},{"text":"I thought, So I can let I can me work suck that out this.","start_word":1177,"end_word":1190,"sentiment":"negative","sentiment_score":-0.3656014502048493},{"text":"with you? I You I want fall that into back. the I same I want category. that back. Oh, no. But you've hit the same category as my father-in-law. He's out in the mines too on the $2.50 mark. And Yeah. what Righto. it basically is is you can use up the other caps. That's fine. But the moment you're so yeah. Sorry. Your income and super contributions are above $2.50, you know how you're on, like, that 47% tax rate, like, at the highest rate? Yeah. So the moment you go over $2.50 total, they whack you with an extra 15% Yes. tax I rate do. instead of the 15%. So 30 on a portion of it. So that's what you would be getting on a yearly basis where they say, hey. Either you pay this personally from your tax return or release the money from super to pay this extra 15 percent.","start_word":1191,"end_word":1344,"sentiment":"neutral","sentiment_score":-0.13068224489688873},{"text":"Yeah. It's fucking grubs. And like, I'm I'm I'm doing a standby for fire and rescue here today with a couple of promos, and one of them one of them is pretty high on these on these concessions and and and accounting sort of weighs around around your fire and rescue.","start_word":1345,"end_word":1395,"sentiment":"negative","sentiment_score":-0.433460533618927},{"text":"He said, next time next time you go to your your account, and he said, claim 50% of your tax or 47% after your Medicare levy or whatever it is, 47% of your tax Yeah.","start_word":1396,"end_word":1430,"sentiment":"neutral","sentiment_score":0.10621432214975356},{"text":"that you've paid into fire and rescue because you there shouldn't be an issue with you claiming, you know, nearly 50% of that back.","start_word":1431,"end_word":1454,"sentiment":"positive","sentiment_score":0.3375326991081238},{"text":"Yeah. Apparently, And there's fire something and rescue's in. got way more concessions. Yes. That's what I mean. Yeah. And I don't I don't I don't I don't think my accountant is up to speed on a lot of them Yeah. Yep. because it's it's Especially, a lot it's to like do. a lot There's of the a public lot to sector do with, stuff as well. yeah, concession as far as, like, your mail allowances and your travel and all that kind of shit because I do a lot of travel Yeah. with Fire and Rescue.","start_word":1455,"end_word":1551,"sentiment":"neutral","sentiment_score":-0.1043250486254692},{"text":"And I I I think I'm I I think the the tax office are just absolutely burning me at the moment.","start_word":1552,"end_word":1572,"sentiment":"negative","sentiment_score":-0.5764843821525574},{"text":"I don't think my accountant's up to speed with a lot Do of you guys do you what method do you do for the travel? Do you do log book or the other one? it. Well, I've actually I've actually been doing logbook this year because Okay. I I don't I don't need logbook with Fire and Rescue because fire and rescue have a digital system that logs every kilometer that I do when I go and do and Yeah. do relief kilometers with fire and rescue. So I can I can immediately pull that up from from each year back to the last five or seven years or whatever on our system? I can I can pull those sheets straight up, and it's gives every kilometer I've driven for fire and rescue? Okay. It's And on our who are you using on our for the accounting side effect? his name's Kieran Moore. He's in Maitland. He's he he's pretty good with, like, the the business side of accounting and that type of thing, but I don't think he's too good with his government concessions and that that I have being a a first responder emergency worker. And, you Yep. know, the last couple of years, I've I've I've had to pay back $5.5 tax.","start_word":1573,"end_word":1787,"sentiment":"neutral","sentiment_score":-0.09395281027915864},{"text":"Last year, I got $1,100 tax bill, had that $700, $770 I had to pay back for me super. Like, it's fucking Yep. bullshit.","start_word":1788,"end_word":1811,"sentiment":"negative","sentiment_score":-0.5150684118270874},{"text":"And plus the the amount Just of hitting tax you that from I every pay angle.","start_word":1812,"end_word":1827,"sentiment":"neutral","sentiment_score":-0.2863175868988037},{"text":"through my income, you know, I'm just getting absolutely railroaded over here. You'd probably be paying $80 Abs taxes to probably fund the bloody village at this point.","start_word":1828,"end_word":1855,"sentiment":"negative","sentiment_score":-0.40900737047195435},{"text":"abs absolutely, mate. Absolutely. Well, if it helps, I do have a really good remote accountant, Goldshore. Yeah. If you want a second opinion and see if he can come up with a few better things for you for this tax return I can get you onto it. I I think I need to. And I also gonna get this check this this fellow in fire and rescue that that's up to he's a permo, and he's up to all the concessional cap concessional little loopholes in that that we can use as first responders in our tax system. He's he does cheat sheets up and that I might hit him up because he was just talking about it about half an year ago. And he said, make sure you tell Yeah. your accountant Okay. you claim you wanna claim, what, 50% or or after your Medicare levy, 47% of your tax that you've paid in foreign rescue. You claim that back. I'm like, really? He's like, yeah. 100%. You're allowed to. Doesn't Far matter what out. you've earned outside Okay. your job and all that, whether it's retained or permanent, you can.","start_word":1856,"end_word":2048,"sentiment":"neutral","sentiment_score":-0.06210463121533394},{"text":"I'm like, well, fucking hell.","start_word":2049,"end_word":2053,"sentiment":"negative","sentiment_score":-0.5551132559776306},{"text":"What's So my account doing?","start_word":2054,"end_word":2058,"sentiment":"neutral","sentiment_score":-0.30501073598861694},{"text":"I'm just getting railroaded.","start_word":2059,"end_word":2062,"sentiment":"negative","sentiment_score":-0.4615141451358795},{"text":"yeah. So I guess the the plan is get the cheat sheet, get a second opinion, and see if you can get a much better outcome for this Yeah. tax I return know. at the very least. Yeah. And and, like, even even, like, last couple of years, like, I've bought, you know, any in excess of 5 to $7,000 worth of tools for myself because I'm, you know, I'm setting myself up. I'm gonna start doing and I'm gonna do it on the books once me and Arthur shops. I'm gonna start I'm gonna start going and doing automotive and commercial air conditioning. Okay. You know? And I'm buying I've bought a heap of tools and stuff like that.","start_word":2063,"end_word":2182,"sentiment":"neutral","sentiment_score":0.027626465602467457},{"text":"And and I thought that would have done a a decent amount of of deductions on my tax, and I'm still paying tax. I'm still fucking paying tax tax time. It's a fucking Yeah. joke. Pain in the ass. I'm fucking over it. And I So mean, you're getting you're getting nothing back for your for your money with this government. It just come full of shit. mate, I was looking at some fucking budgets the other day for some of the councils, and and they're building roads and community centers out and walk off nowhere for about $20,000,000,000. And the rate payers can't pay it off for two hundred years in in the middle of nowhere where there's about 4,000 people living. And and that's about it.","start_word":2183,"end_word":2310,"sentiment":"negative","sentiment_score":-0.5879012942314148},{"text":"Get a bit of curbside cleanup and the and the business Yeah. done, Yeah. That's and it. then they increase the rates on you and all the rest of it. Yep.","start_word":2311,"end_word":2341,"sentiment":"neutral","sentiment_score":-0.2014562338590622},{"text":"And then they can't fix the road that you fucking drive on, and then the cops come out and are trying to nail everyone. It's like, why don't the council get fined because the roads are not fit for us to be fucking driving on? Yeah. 100 It's a percent. fucking joke.","start_word":2342,"end_word":2393,"sentiment":"negative","sentiment_score":-0.6140831112861633},{"text":"Are are you thinking of doing when when it comes to the property side of things, if you look at all the changes to the legislation that's just come through? Well, yeah, I have.","start_word":2394,"end_word":2427,"sentiment":"neutral","sentiment_score":-0.03396915644407272},{"text":"And I'm like, fuck. I've left me run too late.","start_word":2428,"end_word":2437,"sentiment":"negative","sentiment_score":-0.47338396310806274},{"text":"Because it it's not Look. like It's I'm not I'm try I wanna yeah. buy I wanna buy another property, like but, you know, my my house that I own at Aberdeen, I've turned it into a six bedroom house. And off the books, I'm renting some rooms out and making some nice cash on the side Yep. unbeknownst to anyone. But I've been told by when if if I I do move because I don't wanna buy I don't wanna I I don't need to live in a six bedroom house. It's a beautiful big house, but I'm gonna rent it out one day and buy a property somewhere else. But it's gonna be positively geared because I'm gonna get about he could get people in there for a thousand bucks a week rent. He's Yeah. got people with big families that just cannot get a big enough place in the Upper Hunter that work in the Hunter Valley and the coal mines and that that and and, you know, other other industries that are up here. You know, I could get a thousand bucks a week rent for my six bedroom house, and it's got, you know, it's got a massive solar system. It's got batteries. It's got roller shutters.","start_word":2438,"end_word":2649,"sentiment":"neutral","sentiment_score":-0.0392194390296936},{"text":"Huge fucking huge facilities in the house.","start_word":2650,"end_word":2656,"sentiment":"negative","sentiment_score":-0.8346525430679321},{"text":"And, you know, it's I I paid $4.95 for it in 2018, and and I it's been valued at 1.1. 1.1. Yep. Okay. Mate, you'd almost wanna be seeing more than a thousand bucks for that. Oh, mate. Even if it's a thousand bucks a week rent, you know, I'm still that'll be positive geared 100%. I'll be paying tax on it. Yeah. I won't be able to claim much. I mean, you can still claim back, but, you know, I've just gotta start.","start_word":2657,"end_word":2740,"sentiment":"neutral","sentiment_score":0.0828968696296215},{"text":"I've got this you know, with this amount of income that I've got coming in and I will have for the next four or five years while Mount Arthur stays open, you know, it's just ridiculous, and I'm sick of paying so much fucking tax.","start_word":2741,"end_word":2785,"sentiment":"negative","sentiment_score":-0.4095524549484253},{"text":"You know, the the high income earners are the guys who get the most out of anybody. And Yes. you're I not know. exactly the the 1%, but the moment No. you start pressing $200, you get put into this category to cost the most tax, the least deduction, Yep. compared to the guys that have a $50,000,000,000 business or the Yeah. guys who Absolutely. are on. Yeah. Yeah. It's 100%.","start_word":2786,"end_word":2856,"sentiment":"neutral","sentiment_score":-0.0955597385764122},{"text":"And, you know, they need someone to fucking fork out for the over 51% of our population in Australia are on some sort of welfare.","start_word":2857,"end_word":2881,"sentiment":"negative","sentiment_score":-0.5569109320640564},{"text":"Oh, So yeah. I'm are up you thinking with the of numbers doing on a bit of it. mate, that was me, probably, ten years ago going through the budget to go on.","start_word":2882,"end_word":2914,"sentiment":"neutral","sentiment_score":-0.25356200337409973},{"text":"This health care welfare system is just blowing out of proportion.","start_word":2915,"end_word":2925,"sentiment":"negative","sentiment_score":-0.8141515851020813},{"text":"Absolutely. Add the NDIS on top now, Yeah. and it And just and look what completely look what's happening drained with the the country. look what's happening with the NDIS.","start_word":2926,"end_word":2955,"sentiment":"neutral","sentiment_score":-0.2129078507423401},{"text":"It's exactly what's happening over in America with the same shit.","start_word":2956,"end_word":2966,"sentiment":"negative","sentiment_score":-0.36582228541374207},{"text":"You go Yeah. down to Big Lakemba roar.","start_word":2967,"end_word":2974,"sentiment":"neutral","sentiment_score":-0.17095130681991577},{"text":"Lakemba in Sydney, and there's a fucking there's a a childcare slash NDIS center slash disabled fucking center, you know, next door to one another, next door, next door. Like, they're all fucking loaded up in Sydney. And they've the fuckers do no business, but yet they're getting all these fucking concessions Yeah. off the government. It's a Some fucking of the businesses joke. that, like, people have right in from them.","start_word":2975,"end_word":3046,"sentiment":"negative","sentiment_score":-0.47608819603919983},{"text":"And I saw some people building NDIS properties where they'd build a five, six bedroom place, like you were saying, Yeah. wheelchair access, and they have And a live they're getting in nurse two plus five two and people, $0.5 and a they're week getting rent. on yeah. Well, government pay rent on top of the rent that they charge Yeah. Absolutely. each tenant.","start_word":3047,"end_word":3110,"sentiment":"neutral","sentiment_score":0.022972268983721733},{"text":"And you've got and you've got that especially the NDIS up in Queensland is a lot more is a lot more better is a lot more lucrative and I think a bit more generous than the the New South Wales one is.","start_word":3111,"end_word":3152,"sentiment":"positive","sentiment_score":0.3862785995006562},{"text":"And that's why all these I Yeah. see all these all these, you know, positive income houses for sale because I I I follow a few pages of of of mobs that are building these houses up in Yupoon and all that. And I was always thinking I'd like to jump on board with one of them, and they they they they deal mainly in those NDIS houses.","start_word":3153,"end_word":3220,"sentiment":"neutral","sentiment_score":0.1561458557844162},{"text":"And the amount of rent they get out of them a week is just insane. Well, I Like, saw how one the fuck in total how the for fuck the whole do property I get on with to one sixty of them?","start_word":3221,"end_word":3262,"sentiment":"negative","sentiment_score":-0.44788676500320435},{"text":"thousand dollars. Mate, I Really? tried to do that five, six years ago, and the only developer that was approved in Queensland was a bit on the Dodge side, and we Oh, we really? just couldn't get on to it at the time. Yeah. Had to do it almost, like, privately and try and get all the approvals, but there was just no way of getting in if you didn't know the guy. Yeah. Right. Okay. It was a small club, and I wasn't in it. And we tried Yeah. because we were gonna do it through Super. Do You weren't a NDIS in the purple property through Super, get you $60. do a do a little purple circle. See, and I was I was interested in talking to you to you about setting up a self managed super fund for me because of what my super was doing this year.","start_word":3263,"end_word":3413,"sentiment":"neutral","sentiment_score":-0.12498828768730164},{"text":"But now that the the government brought in all their fucking legislation around that, there's no point.","start_word":3414,"end_word":3430,"sentiment":"negative","sentiment_score":-0.5195930004119873},{"text":"Yeah. You've got to look at Because commercial these days for the SMS there. I've been I I'm being heavily into leveraging crypto and also and also The US stock market in the last twelve months. Yep.","start_word":3431,"end_word":3467,"sentiment":"neutral","sentiment_score":-0.014195231670463408},{"text":"I've got a lot of unrealized fucking gains from the in the last Gotcha.","start_word":3468,"end_word":3481,"sentiment":"negative","sentiment_score":-0.5342216491699219},{"text":"twelve months. Like, I'm I'm I'm leveraging crypto at the moment with a crypto group that I'm a part of. I'm making $3,000 US a day on it. Okay. So you know the new changes I did to negative gearing and Yes. capital gains tax? Yep. So one of the things that we've been talking about with accountants and advisers at the moment is to think of your investment side all pulled off to the side of one category. So all Yeah. your investments, your properties, all that kind of thing is off to one bubble. Now the way it's gonna work is if you get, like, a new property, new build, or commercial that's still able to get the negatives, it can accumulate those year after year after year, Because and then you it can can you be can used spread up it when across your investments get positive. yeah. So that it can be diluted across a number of your investments. It's not just in that sector. Can it be diluted across so that it can lessen your lessen your fucking obligation or your liabilities? Correct. So what the guys are are doing at the moment is they're gonna accumulate maybe five to seven years of of negatives, and Yeah. then whatever they've gotten from business growth and capital growth on investments, they're gonna sell them and offset them all in the one year. Yeah. Right. Okay. So what I was gonna say is, like, if you're gonna get another one, you're gonna accumulate a few of those. Yeah. Well, absolutely. That's what I wanna do. And I've because I've I was aware of that, and I needed to speak to someone about it just so that I'm a 100% on the level as to my understanding of it. But, Yeah. like, I have no interest in I'm I'm putting I'm putting my own my a lot of my own capital into into this crypto and use US stocks venture that I've been involved in the last twelve months. And I have Yeah. no in no no unless, you know, unless I absolutely suck my finances up somehow, and then I have to pull money out that we live off, this is this is gonna be Yeah. you know, this is like a five year plan so that when me and Arthur shuts in 2030, I can I can taper off on the hours? I could just go go and do fire and rescue full time or, you know, I can I can then live my life where I don't have to fucking do this shift work anymore to pay off my mortgages Yeah. and get you know, I I I wanna do that?","start_word":3482,"end_word":3937,"sentiment":"neutral","sentiment_score":-0.07872411873387664},{"text":"And that's why I don't want to I'm glad these clowns never got this unrealized gain tax in Yes. because at the moment, that would Oh, kill yeah. that would Jesus. have fucking destroyed me. It would Because have forced I you to I'm sell everything.","start_word":3938,"end_word":3983,"sentiment":"negative","sentiment_score":-0.44493111968040466},{"text":"I'm doing I'm doing so well.","start_word":3984,"end_word":3989,"sentiment":"neutral","sentiment_score":-0.32728537917137146},{"text":"It's not funny. Like, it's fucking insane.","start_word":3990,"end_word":3996,"sentiment":"negative","sentiment_score":-0.6378845572471619},{"text":"K. So if you when were you looking at hopping out of the six bedroom place and possibly, you know, renting it out? What Well, trying to you know, I'm well, I I've been trying to do it as soon as possible. year? Like, I wanna buy some land back down closer to Maitland where my kids are, but I can still get to work. But, you know, if I leave Aberdeen Fire and Rescue, like, the standby money that I get from Fire and Rescue doing these standbys across the across the the Greater Hunter and and even I come at Wares Creek today, which is in the Tamworth area. Yep.","start_word":3997,"end_word":4108,"sentiment":"neutral","sentiment_score":0.03206434100866318},{"text":"You know, the money is unbelievable.","start_word":4109,"end_word":4114,"sentiment":"positive","sentiment_score":0.40355437994003296},{"text":"And where I am at Aberdeen at the moment, I am situated in such a lucrative spot. It's I you know, it's it's hard to I'm I'm having I'm having a bit of anxiety actually thinking about it, but I would like even if even if even if I don't buy a place that I wanna move into, you know, buying somewhere even if I buy a smaller place in town and rent the place out at Aberdeen and make that big money Yeah. with the rent and stay in Aberdeen, yeah, I I I wanna do it because my house is just too big for me. You know, I've Yeah. got a couple Yep. of people staying there. I'm getting $220 a week cash out of them. But, you know, at that that cash economy, I'm glad they never fucked that off. Yeah. One But day. yeah. Okay. Well, give Albo a chance, mate. He he wants us to own nothing and be happy. Yeah. Pretty much. So, But look, if you want, at some point, I've got a dude who's been doing buyer's agent stuff where, you know, with the SMSF cutoff date, he's oh, basically yeah. a guy that goes around the country finding properties for people. So Yeah. Right. if you're looking to get like, rent out Aberdeen, get another one, possibly negatively get a new or commercial one, Buyers agents are probably the way to go at the moment. Yeah. They do Okay. they they do charge us a solid $10 out of the purchase price to do it at least, Yeah. but they're the guys that scan the whole country looking for deals. So Yeah. No. I get that. Okay. I do have a couple of really good contacts in let me contact Dan's real estate in Skane.","start_word":4115,"end_word":4418,"sentiment":"neutral","sentiment_score":-0.012948545063600728},{"text":"He's really good. He's gonna property manage my house when eventually I decide to do ah, it good. because he's he's up to speed on what I wanna do.","start_word":4419,"end_word":4447,"sentiment":"positive","sentiment_score":0.3762686550617218},{"text":"And I've got a fellow that owns a heap of property and, you know, leases out all these apartments down in Newcastle and that. He's got his finger in the pie on the pulse really all the time with what's going on. And I'm always asking him for hints and tips. And he said to me, he said, if you wanna Oh, buy fantastic.","start_word":4448,"end_word":4511,"sentiment":"neutral","sentiment_score":0.15817654877901077},{"text":"a place, just just tell me and I will find something that you want for you.","start_word":4512,"end_word":4527,"sentiment":"positive","sentiment_score":0.4063990712165833},{"text":"And he won't even charge me.","start_word":4528,"end_word":4533,"sentiment":"neutral","sentiment_score":0.26175928115844727},{"text":"Cool. Okay. He's pretty good.","start_word":4534,"end_word":4538,"sentiment":"positive","sentiment_score":0.5190590023994446},{"text":"He's So a use them. family I'll I'll send you an email today for friend. the accounting side of things just to see if we Yeah. can help out there. See, Use I've those got guys. a bit Let us know when you do. I've got a little bit of personal debt I'm trying to wipe out, and that's what I'm thinking about using this crypto strategy to pull a bit pull money straight out and just demolish that little bit of personal debt that I've got just Is to it just smash on that the mortgage, away. or do you actually have a loan? I have a loan. I had a I got Oh, shit. a loan. How I much had is a that for? I had a bad I had a bad breakup relationship breakdown, and I I pay I had to pay her out. Yeah. And I'm in the hole at the moment on that one about I think I owe about $40. Okay. Yeah. I'm just I I've got them literally, in in my in my crypto and and stocks thing at the moment, I've got more than enough money to pay it out, but I wanna figure out a way to do it so I don't I can pull money out of that and not pay fucking tax because I'm paying off debt. Yeah. But it's that bloody consumer debt that's not deductible, and then you're selling Yeah. I off know.","start_word":4539,"end_word":4784,"sentiment":"neutral","sentiment_score":-0.1286882311105728},{"text":"a profitable It's fucked. investment. It's just gonna hit you double end.","start_word":4785,"end_word":4796,"sentiment":"negative","sentiment_score":-0.4934454560279846},{"text":"Right. It's almost like you need a company at this point, but anyway. Yep. Well, this is what this Entity is what Omar is has getting been talking squashed to me anyway. talking to me today about, you know, coming up with a couple of companies and doing it through that. Yeah. And they're trying to squash all the the trust at the moment, Yes.","start_word":4797,"end_word":4861,"sentiment":"neutral","sentiment_score":-0.2132125499156805},{"text":"which is a bit of a pain Yeah.","start_word":4862,"end_word":4869,"sentiment":"negative","sentiment_score":-0.34728217124938965},{"text":"in the ass for the elderly, but companies are still alright. Yes. I do. Yeah. How how did you go with the Pokemon card collection? Because you you had a buyer lined up for that last year. Yeah. Well, that's that's where a lot of that capital's come from. I Yeah. And then I you invested it. I I yeah. Exactly. So I didn't go out and spend it. Some of that money I should've used to pay off the debt, but I wanted to invest it instead. Yeah. Yep. That Gotcha. was a bit stupid, but I'm almost at a position where I can just go bang, get rid of that, and then I'm in a better spot. But, yeah, I ended up my I ended up well, I started on consignment, and I still have and I I still have about a 150, maybe 200 depends on who you talk to. About two nearly $200 worth of Pokemon cards there still, and they're going up every day. Like, I've got one box there Yep. that's worth $15,000 just on its own.","start_word":4870,"end_word":5052,"sentiment":"neutral","sentiment_score":-0.012665417976677418},{"text":"Insane. I love And it.","start_word":5053,"end_word":5057,"sentiment":"positive","sentiment_score":0.5025041103363037},{"text":"and that's I've actually when I when I when I gave them to all my like, I I've been helping him out with his business. I've been going and some of the money that I have that I had, I went and bought a couple of collections of people at really good prices and then sold gave them to on sale through him through his business in Sydney. But I ended up making about $250 out of that out of that transaction. Yep. Not bad. And Not I probably bad and at all. I only probably outlaid a $100,000 total over the last probably ten years that I I built that collection. Wow. Oh, Because the scalpers are having a field day these days. and and I just I I didn't see it coming, and I I was into it well before this, and I just could not believe that I somehow magically, you know, was already heavily invested into that into into the Pokemon cards because it is just nuts. And it's just going. And Yeah. and and I as mean, far it was and as long as as long as we keep having kids, mate, Pokemon is not going anywhere. It's a it's per Pokemon internationally is worth more than Disney. yeah. It's the Yep. number one Big entertainment time. company out there, Pokemon and Nintendo. It's worth more than Disney's second on the list. Yep. So and I just Alright. could not believe Mate, right I place, I couldn't right time. believe yeah.","start_word":5058,"end_word":5313,"sentiment":"neutral","sentiment_score":0.024689392535947263},{"text":"I just couldn't believe because that shit doesn't happen to me. But I think under these these new investments and assets, I can mean things that the government's bringing out. I'm probably lucky I sold it when I did because if I tried to sell it in the future, I'd have been fucked.","start_word":5314,"end_word":5366,"sentiment":"negative","sentiment_score":-0.538831889629364},{"text":"Yeah. They're gonna clean you up for all of it pretty Oh, much, that will half clean of me all out. of it. You know, because Can I just put the note down for the file, mate? With the the crypto and the shares, I've gotta Yes. put down an estimated value on it. I was actually looking at it this morning because I had to I've been waking up because the blokes that I'm dealing with are in The US. It. I'll have to And go it's wake and up and the the and times. it's on it's in a complete completely legit I've done me homework through contacts that I have in the industry. It's on it's on a completely legit globalized platform that I do it Platform. on. These blokes are Yep.","start_word":5367,"end_word":5501,"sentiment":"neutral","sentiment_score":-0.0526517890393734},{"text":"legit because I know there's been a lot of scamming going on with the stock markets. And I I've actually lost a bit on The US stock market to some bad advice, but you live and you Yeah.","start_word":5502,"end_word":5539,"sentiment":"negative","sentiment_score":-0.4751954674720764},{"text":"learn.","start_word":5540,"end_word":5540,"sentiment":"neutral","sentiment_score":-0.10413507372140884},{"text":"And I had plenty of fucking plenty of backup to get out of that.","start_word":5541,"end_word":5554,"sentiment":"negative","sentiment_score":-0.4949702322483063},{"text":"I mean, it happens. I learn a lot from it. But as it states today, probably, if I was to sell it all today, I could probably pull a $160 out of it. Yep.","start_word":5555,"end_word":5588,"sentiment":"neutral","sentiment_score":-0.06358619779348373},{"text":"Perfect.","start_word":5589,"end_word":5589,"sentiment":"positive","sentiment_score":0.4784333109855652},{"text":"And that's and that that I'm that gonna put something that in there. that was that was from about probably I don't know. I probably started with about $50,000 Australian, and that's sorry. That's a 160,000 US. That's what that's that's what I mean.","start_word":5590,"end_word":5633,"sentiment":"neutral","sentiment_score":-0.028527216985821724},{"text":"I'm staying away from the Australian stock market. They're too slow.","start_word":5634,"end_word":5644,"sentiment":"negative","sentiment_score":-0.3885865211486816},{"text":"Yep. The US stock market's got that good volatility that, you know, that you're you're looking for, especially if you're buying in volume. And then, you know, if you understand crypto leveraging, you know, I'm making really, really good money on that every day because they're ten, fifteen minute trades because I'm longing and shorting crypto Yeah. against Gotcha. Bitcoin. Oh, shit. Okay. But Good like call. like this this morning, on my way to the standby today, I sold. We made a we made a we made a investment. We made a trade at it was about 5AM. 6AM, I I made the investment. And by 7AM, I was given a to close close that close that order immediately, and I made 3,000 US dollars Oh, there you go. just Not in bad one day. at all.","start_word":5645,"end_word":5782,"sentiment":"neutral","sentiment_score":0.04747134819626808},{"text":"Oh, that's awesome.","start_word":5783,"end_word":5785,"sentiment":"positive","sentiment_score":0.7160341739654541},{"text":"That must be so much fun And between and the night that and the the night the cards the you night did. before, I made a thousand US. So it's just getting better and better. Like, these blokes are just they're just on the on money. Like, I've I've signed a a a a contract with them.","start_word":5786,"end_word":5842,"sentiment":"neutral","sentiment_score":0.25759434700012207},{"text":"It's all legit.","start_word":5843,"end_word":5845,"sentiment":"positive","sentiment_score":0.45837074518203735},{"text":"I share with them 10% of the earnings at the end of three months. Yeah. The profit we only only pay 10% of my profit to them, and, you know, I'm learning all about crypto leveraging in US stocks and how to read the stock market.","start_word":5846,"end_word":5891,"sentiment":"neutral","sentiment_score":0.14338747039437294},{"text":"Absolutely. So that'll continue all year pretty much. I hope so.","start_word":5892,"end_word":5902,"sentiment":"positive","sentiment_score":0.6087014675140381},{"text":"Yeah. Absolutely. So and then you said five years left on that after a round event? Yeah. Yeah. So I mean, well, my answer my answer was shot well, in four years. Sorry. So it was four years. It shuts on the it was gonna shut on the June 2030. Okay. Yeah. And 20 so they're gonna 30. they're Alright. gonna they're gonna pay us out our redundancies on the July 1. So you're pretty much trying to set yourself up between now and then with all the investments, the income, all that sort of stuff so that you can basically take it easy after that point. Absolute Go a bit absolutely. of maybe part time with the fireies Well and yeah. have all Like the the cash flow coming in. yes. Absolutely. And, you know, Alrighty. with the income that I'm getting at the Well, moment, it's just I I wanna buy I'm I'm because I wanna be a self funded retiree. Like, my mom and my dad are, and they're they're well, my mom's having fun. My dad's just a miserable old cunt. But, you know, they're self sufficient. You know, they made they made Gotcha. bank on on on investment, not property investing, and when negative gearing was was was the go back in the late nineties and early thousands. But, you know, they made their fortune on that, and they're self funded retirees. And I want that for myself. Right. That's what my grandparents are on. Built all the flats out in the Gold Coast there and workshops and that kind of thing and everything Yeah. they Well. they get. They haven't gotten a cent from the government since they moved over from Croatia in the sixties, Well. and they literally just they look after the three generations of family off their property. Everything's through trust and company, and all they've talked the last couple of years is tax tax tax.","start_word":5903,"end_word":6227,"sentiment":"neutral","sentiment_score":0.09324856902544316},{"text":"And they haven't gotten a sense from the government the entire time they lived it.","start_word":6228,"end_word":6242,"sentiment":"negative","sentiment_score":-0.3815959692001343},{"text":"100%. But And that's it is the way still it should it's be.","start_word":6243,"end_word":6255,"sentiment":"neutral","sentiment_score":-0.2177313268184662},{"text":"still a fucking good thing to aim for.","start_word":6256,"end_word":6263,"sentiment":"negative","sentiment_score":-0.6909374594688416},{"text":"Yeah. Well, I've never got a handout in my life. Like, you know, I'm a I'm through my mom's side, I'm a descendant, but we've never had a handout in our life. Like, you know, my parents taught me that anything you want in your life, you gotta work your fucking ass out for. Gotta get it. And that's that's exactly what I've done. I'm trying to teach my kids the same. Right. Hopefully, are they listening so far? Or are they too young to for Well to click well, just yet? Chloe, yes. She's she's she's only in year 10. Well, she was in year nine, actually. She got her first job. She got her first job, and she works at KFC at Green Hills. Soon as she could work, she just wanted to Oh, go okay. and get a job. Yeah. So she's she's she's definitely taken a leaf out of my book. That's for sure, which is good.","start_word":6264,"end_word":6424,"sentiment":"neutral","sentiment_score":-0.03111077845096588},{"text":"But Fantastic.","start_word":6425,"end_word":6426,"sentiment":"positive","sentiment_score":0.4964490830898285},{"text":"I told her, I said, Chloe, don't ever have your fucking hand out. If you want something, you work for it. Then you can say that you never leaned on anyone for it.","start_word":6427,"end_word":6459,"sentiment":"neutral","sentiment_score":-0.030798129737377167},{"text":"Mate, that's amazing.","start_word":6460,"end_word":6462,"sentiment":"positive","sentiment_score":0.5108985900878906},{"text":"Hopefully, they they you know, it's one of the things shirt sleeves shirt sleeves in great generations, but, hopefully, they they listen and you Absolutely. get to skip a generation or help them out. And the grandkids get looked after one day, and they do well Alright. by themselves, and then the families establish and they have to work. Absolutely.","start_word":6463,"end_word":6522,"sentiment":"neutral","sentiment_score":0.20616765320301056},{"text":"And and and, of course, like, when I go, whenever that is down the track, I still wanna have something there to give give the kids so they can spread it out and make everyone's lives easier in the in the family.","start_word":6523,"end_word":6564,"sentiment":"positive","sentiment_score":0.3562396168708801},{"text":"Yeah. Yeah. We're gonna make sure that at some point like, set yourself up for the next four or five years. Right? But at some point, gonna have to maybe look at some entities or something because, look, they're gonna they're gonna come to the inheritances at some Yeah. point, Well oh, especially absolutely. for the boomer And generation. So keep the and ear I out. I need to I need to be filled in on that information by the right people, because Yeah. I'm trying Well, to look, do it's that. the same thing. Like, we always talk about it because we're talking to brokers, accountants. We're advisers, fund managers. As that stuff comes in, everybody goes into some rooms and starts talking about it. And Yep. if I ever catch wind of what's happening and what the options are, the first thing I'm doing is calling all of you guys up to let you know what the Yes. options are and what's gonna happen. Like, that SMSF thing just kind of came out of nowhere with the green deal and a really short cutoff date that was not even worth trying Yes. to squeeze in because there's too much risk. But like I said, with the capital gains tax, the negative gearing, there's a few options down the line for what that does.","start_word":6565,"end_word":6789,"sentiment":"neutral","sentiment_score":0.011093216948211191},{"text":"Fantastic. And, again, commercial and and new builds, fantastic. Accumulating losses for the other investments, fantastic.","start_word":6790,"end_word":6805,"sentiment":"positive","sentiment_score":0.3863106667995453},{"text":"But if they go for the inheritances, it's gonna be the biggest industry conversation in history, and everyone's gonna be talking about it. So Absolutely. if I find out, I'll let you know straight away. Yeah. That'd be cool. But yeah. So what are you gonna just look at my super as far as what what those life insurances can do? And because, yeah, I I just Yeah. the So $1,010,010 thousand dollars annually, that's just insane. yeah. Considering Look. I've what got I what what I was what I was paying for it only a couple of years ago, it's doubled. yeah. And like I said, you're not even in the forties and fifties yet where it's supposed to get up. Like, I've seen people who had $2,000 policy at 50 and age 60 at 12 down. Like, that happens Yeah. in the later years. The Why way that is yours mine going is increasing up so high? your thirties, I've never seen anything like it.","start_word":6806,"end_word":6972,"sentiment":"neutral","sentiment_score":-0.06566353588404056},{"text":"Well, that's that's And fucking the whoever the problem whoever you've that got. that's one path. They're they're fucked in What what pissed me off about this is one part of Nios are the only two insurers that would offer the cover the because of the combination of the firing with the head.","start_word":6973,"end_word":7025,"sentiment":"negative","sentiment_score":-0.5391188859939575},{"text":"occupations. Yes. So And all they've I taken can it do for them taken is the I've liberty got the the liberty of all things that they can only come with us.","start_word":7026,"end_word":7057,"sentiment":"neutral","sentiment_score":-0.27598124742507935},{"text":"We're just gonna overinflate his fucking insurance premiums. pretty much.","start_word":7058,"end_word":7067,"sentiment":"negative","sentiment_score":-0.6878112554550171},{"text":"So the only thing we can do, I've got an alteration going for I I talked to you previously about the benefit period from a sixty five, maybe five year, two year, and using the CBD cover for the long term stuff. Yeah. See, I just I just can't That'll believe probably that trim they're really off a few the grand. only the only insurance companies that you know, we've got a large amount of people in in New South Wales, especially, that are in fire and rescue and that are in coal mining.","start_word":7068,"end_word":7161,"sentiment":"neutral","sentiment_score":-0.14323359727859497},{"text":"Yeah. Like, it's fucking bullshit.","start_word":7162,"end_word":7166,"sentiment":"negative","sentiment_score":-0.7300297617912292},{"text":"Yep. It's something that they just most of them aren't touching, and I did find one where it was like, oh, if the fire and rescue was less than 10% of your overall, then they would exclude it. It'd be fine. But anything Yeah. above Right on. 10%, no no no dice. So I had a guy there that was a a paper mill and prison, and Yeah. his Right. prison occupation thankfully came out to 8%, and I saved him $3. And I was like, thanks for that. But, yeah, there's not many options out there. Look. I'm sorry.","start_word":7167,"end_word":7266,"sentiment":"neutral","sentiment_score":-0.05371984422206879},{"text":"I tried calling around everybody and arguing the points of fucking months.","start_word":7267,"end_word":7278,"sentiment":"negative","sentiment_score":-0.5231853127479553},{"text":"And all I've been able to sort of come up with is we just trim it down a bit to chop off a few grand. And the moment there's a better option out there, whether it's me or someone else, again, I'll be jumping at it. But Yep. until that point, we're gonna have to work with these guys for a little while. Yeah. Fair enough.","start_word":7279,"end_word":7344,"sentiment":"neutral","sentiment_score":-0.25218337774276733},{"text":"Well, we need to I need to have a chat with them and see if they can bump it down because it's bullshit.","start_word":7345,"end_word":7367,"sentiment":"negative","sentiment_score":-0.4135438799858093},{"text":"So yeah.","start_word":7368,"end_word":7369,"sentiment":"neutral","sentiment_score":-0.20289036631584167},{"text":"It's Well, I've fucking got it that's coming fucking through because disgraceful. I've done a few quotes where if the income protection that's doing it, like, the license, it's it's less than $2 for the million 1.3 mil. Income protection is what's hitting you to 7,000.","start_word":7370,"end_word":7415,"sentiment":"negative","sentiment_score":-0.4994874596595764},{"text":"Yeah. Right. I saw and and and what's what what is the what is the stipulations around that that income protection? Is it what? 75%, 8080%? What is it? Yeah. So you've got one of the old 75% policy. Anything Right. new with a different insurer is 70% maximum, so it's not that much different. Yeah. But But what what are they what thirty are day they charging age people? 65 is just well, I found one that was a few grand less, but not until the fire is less than 10% of your occupation. Alright. And then they said, oh, look. We'll do it if it's above 10%, but you've got to wait thirteen weeks to claim, which is three months. Yeah. Okay.","start_word":7416,"end_word":7539,"sentiment":"neutral","sentiment_score":-0.08604565262794495},{"text":"So the options there are pretty fucking limited because you're on thirty days at the moment. You're sick for a month. It kicks in. There's a living brain coming out.","start_word":7540,"end_word":7569,"sentiment":"negative","sentiment_score":-0.4506383776664734},{"text":"These Yeah. guys Okay. were like, no. You have to wait three months for it, which you've got the savings there, maybe. But what I'll do Alright. is I I could I'm gonna I could send flight you three I could quotes flight through. me on I could flight me on boats six months Yeah. So what I'm thinking, the if only needed. options we've got is I've got a quote here for improving the income through one pass down to five year benefit or two year benefit. That'll trim a few grand off. I'll send those through here. Mhmm. Yeah. The Okay. one with Neos, we would basically destroy your income protection with one path and redo it with Neos and have two insurers, but they would do thirteen week wait, two year benefit maximum. And let me just have a little bit of premiums here. Basically, I'll give you the options. You tell me what you wanna go ahead with, but I'll grab up this quote now. So thirteen week wait two year benefit trimmed it down from $7 to $3. Yeah. Well, Get on that. Is that 70% But special risk 70 occupation percent or 70 class here. That's 70%. yeah. Okay. Let's see. The Fire definition's fire and rest shit. So fire and rest fire and rescue, like, if I didn't if if I didn't have to pull an income out of fire and rescue, I'd be covered by fire and rescue for me is only just, like, cream on the top. Really? Yeah. Okay. I could survive without it. But So what because well, so we're what's right. what's I'm what's gonna the base what's it on the what's the 10%? What's that asking about? How much time I give to Fire and Rescue? Or because it's only a yeah. part time Yep. job. It's I'm only on call. It's not like Yeah. I turn Right. up So the fire $60, a station every we day. earn. No. But how how much is, like, a week or a fortnight or a month would you percentage it for working hours? Because the income is $60. That's one thing. Yeah. Because because when I do stand by, it's it's it's over a $100 an hour. That's why the income's Oh, so shit.","start_word":7570,"end_word":7954,"sentiment":"neutral","sentiment_score":-0.009447922074997969},{"text":"Okay. so high, but I don't spend the hours at the station. No way.","start_word":7955,"end_word":7968,"sentiment":"negative","sentiment_score":-0.3489815890789032},{"text":"We're you know, Aberdeen, we don't get many calls a year compared to big bigger stations around around the area. Like, the hours that I I put in are are other stations, but they're not that many hours considering it's just a high hourly rate. Like, it's double time. Plus, I get little lurks and perks and allowances on these standbys that I claim that boosts my earnings. But I'm I've you know, 10% of my year, of my working time a year would even or would for me be a stretch compared to how much I work at Mount Arthur in the mines. If that's what they think, that's that's what they think I do. I'm I'm only an on call firefighter. I'm not a full timey. Are you there? Oh, no. What If you happened? can hear me, it's just dropping out. Yeah. I Yeah. gotcha. It just went just You back? went silent there for a second. Cool. It's reception seem to cut out for a second. I Yeah. was just I asking I about I the am hours here. with Matt Arthur. What I am in the asshole. I'm one of the assholes of of New South Wales. That's for sure. that's alright. I've got your back. So break it down for me. What a typical week, fortnight, or month work hours wise between the two, and if I can prove it's less than 10%, I might be able to go with these guys. Yeah. Okay. Well, like, you know, I mean, after I work a shitload of hours plus overtime. They're twelve hour shifts. I'm on the lifestyle roster, which is the five and four, four and five. Five and And four, Fire and Rescue, four and like, five. per fortnight, I'm I'd be lucky to be doing ten to fifteen hours total a fortnight. If you Total averaged four it nine. out. Okay. K. 10 to 15 average of fortnight. The income's high because that's a $100 an hour. That's fair enough. Yep. So five and four, four and five, twelve hour shifts. And that's Plus before overtime or after? that Include? that's before overtime. So, like, you know, that's excluding overtime. Like, I'm doing I'm doing two to three overtime shifts a month. Every time. Yes. Per month. When you do overtime, how many hours do you do for that It's twelve that hours. shift I I get compared twelve to hours. twelve? I'm I'm not turning up for ten or eight. I go in there for twelve hours. Yeah. You're gonna Okay. if you're gonna you're gonna do overtime, And are you there any might days as well where get it's the above maximum. twelve? Sorry? Yeah. Is there any where it's above twelve? Nah. Nah. Any shifts that'll be below twelve, what what would they be like? I don't ever do them. Really? No. Okay. So I'll just do twelve hours on the five and four, four and five, Yeah. and And compare I'm doing that at to least 10 to 15 at least a fortnight average. at least two to three extra shifts a month on that at Mount Arthur at twelve hours each. And then, yeah, if you average out my hours over the year, I'd be lucky to be ten to fifteen hours a fortnight, which should be let surely Yep. be let K. sounds to me would be less than 10%. So if you go sixty hours a week average for that, let's say, five five to seven on there. Okay. So what I'll do is I'm gonna do a bit of a split. I'm gonna have a look at kicking out the waiting period for your one part policy Right. to 60 or 90 savings and premiums more so than trimming your benefit down from a sixty five to five years or two years. So I would kick Yeah. that Okay. out to six year nine, that's gonna be Yeah. What I'll do from there is I'm gonna call and see if I can get the fire fire excluded. I'll base it off just a a couple of $100 for Mount Arthur. And based on that occasion, if that gives us replacement of all your insurances, I'll let you know. If it's just income protection, I'll send you that quote as well just so you've got Yep. it. Yeah. Right on.","start_word":7969,"end_word":8703,"sentiment":"neutral","sentiment_score":-0.0066634916776449095},{"text":"Sounds good. It's good Cool. good And for finally the super getting finally getting investment some action on it.","start_word":8704,"end_word":8722,"sentiment":"positive","sentiment_score":0.5780512690544128},{"text":"no. That's alright.","start_word":8723,"end_word":8725,"sentiment":"neutral","sentiment_score":0.11262916773557664},{"text":"It's good that we've had this conversation if that clears it up for me.","start_word":8726,"end_word":8739,"sentiment":"positive","sentiment_score":0.4650396704673767},{"text":"Because, like I said, it's been a pain in the ass for when everyone is arguing the point, but now I've got a bit more ammunition. For the super, I've already got a portfolio picked out some lower fee investments that'll pick up that and bring the super performance back up. But let me just see if I can get these premiums down, and Yes. Me. I'll get you on to that account and see if they can help. Yep. Friday.","start_word":8740,"end_word":8820,"sentiment":"neutral","sentiment_score":0.12303782254457474},{"text":"That'd be sweet.","start_word":8821,"end_word":8823,"sentiment":"positive","sentiment_score":0.4992308020591736},{"text":"And can you can you give me a while you do that? I can afford it. Should I should I do some pretax sacrificing to my super through I do already do it $250 a fortnight through Fire and Rescue. Should I do it with my Yep. with my coal mining job as well? Because I I Okay. can So I can what I want you I to can trim some I can trim some fat off that because I'm earning do good money there too? okay. Go on to your myGov and see if it's got any more of that carry forward left over for the last five years, Yeah. and Righto. just shoot me back, like, a a message or an email. You know what? You know, it'd be nice if I could get If on the not myGov.","start_word":8824,"end_word":8964,"sentiment":"neutral","sentiment_score":0.0508205679819939},{"text":"They just cannot I cannot get on it. I put all my oh, information no. on there, like my page e stuff, my fucking birth certificate, all that shit, and it keeps spitting me back out.","start_word":8965,"end_word":9000,"sentiment":"negative","sentiment_score":-0.423510879278183},{"text":"And I've done it on my mobile Bugger. phone. I've Okay.","start_word":9001,"end_word":9011,"sentiment":"neutral","sentiment_score":-0.17357449233531952},{"text":"done it on a fucking desktop computer. It just doesn't like me. I don't know what to do. Because I wanna get on the ATL app and fucking keep an eye on me taxes. I'm sick of it.","start_word":9012,"end_word":9049,"sentiment":"negative","sentiment_score":-0.4554835855960846},{"text":"So have you tried calling the ATL and just, like, maybe I mean, the login is one thing, but you could always ask them, hey. Look. I can't get into the myGov. Can you tell me what the hell my carry forward is and see if they can tell you? Yeah. Right. Yeah. So I I'll normally send you I an email I normally with how to for get that for that shit, I normally call me account, and then he can get into that shit straight up and send me an email with it all on it. I've done that before. He's pretty good.","start_word":9050,"end_word":9154,"sentiment":"neutral","sentiment_score":-0.06693683564662933},{"text":"But I just don't think he's up to speed with this fucking these allowances and all that kind of shit, the tax concessions that I'm entitled to being in fire and rescue. I think it might have caught in again.","start_word":9155,"end_word":9194,"sentiment":"negative","sentiment_score":-0.5057212710380554},{"text":"Are you there? Yeah.","start_word":9195,"end_word":9198,"sentiment":"neutral","sentiment_score":-0.16517889499664307},{"text":"She's cut out again. You fucking stupid service.","start_word":9199,"end_word":9206,"sentiment":"negative","sentiment_score":-0.713538646697998},{"text":"Are you there still? Hello? Yep. Gotcha, Kane.","start_word":9207,"end_word":9214,"sentiment":"neutral","sentiment_score":-0.2052786350250244},{"text":"Fuck, mate. It just just went silent again on me.","start_word":9215,"end_word":9224,"sentiment":"negative","sentiment_score":-0.6154760122299194},{"text":"That's alright. Last thing I wanted to say, so just quick recap, is I'll do the the account referral. We'll look at the property stuff down the line Yeah. when you get a chance to look at Yes. that. Sort the insurances, sort the super, and then I've just gotta check what to do with your contributions after after you get the Wait. checks.","start_word":9225,"end_word":9288,"sentiment":"neutral","sentiment_score":0.006274656276218593},{"text":"Alright. Cool.","start_word":9289,"end_word":9290,"sentiment":"positive","sentiment_score":0.4107765853404999},{"text":"Because, Anything yeah, else I I can could do for you? I can hate I can very easily I've got the form there at work where I can put it into payroll at BHP and do some pretax contributions? That's fine. I've certainly got the the fat there for it as far as earnings, but but, yeah, if we're gonna get a bit of a new Well direction on my on my super and get it fucking banging out some some some growth again, well, you know, it just yep.","start_word":9291,"end_word":9380,"sentiment":"neutral","sentiment_score":-0.19120049476623535},{"text":"seems like the last twelve months, I've just banged in a bit of money into it, and it's just going straight out the ass end.","start_word":9381,"end_word":9405,"sentiment":"negative","sentiment_score":-0.5067867636680603},{"text":"And it's logged in.","start_word":9406,"end_word":9409,"sentiment":"neutral","sentiment_score":-0.3048498034477234},{"text":"I looked at it the other day, and I went, what the fuck? And then, like, I saw it, you know, when that when those deductions come out from the insurances and that, I went, that is just railroad fucking robbery.","start_word":9410,"end_word":9450,"sentiment":"negative","sentiment_score":-0.48494210839271545},{"text":"Yeah. And that's what it is.","start_word":9451,"end_word":9456,"sentiment":"neutral","sentiment_score":-0.3037804365158081},{"text":"It's like market slowed down on a couple of the investments.","start_word":9457,"end_word":9467,"sentiment":"negative","sentiment_score":-0.4636859297752381},{"text":"Premiums Yeah. came out, and it just slowed it right down. One one thing I wanted to run by you, the mortgage, are you using an offset account? I do have I did have an offset account there, but I went with UBank. And I when I get myself into a position where I can buy a property, I want my my broker wants to get me out of that home loan and into another one so I can get an offset offset account again. Okay. Yeah. Because I've got So a bit what I got I was a bit thinking I got a is better interest rate with with UBank, but they didn't have an offset account. your bank. How much you got owing on it? About because I went to when I was with my partner, we went to we went to buy another place, and I pulled some money out of my out of my we we needed some cash as well. I we got a second mortgage on it. I think I Okay. owe just over 500,000 on it. Okay. I'll About put 500. five hundred and 10,000. One of the things that I do with the mining guys a lot with the big income is Yeah. I get them to pull the cash into the offset account for the year and then do the one off contribution in June. And that way you can Alright. sort of double dip the interest in the tax savings. Yeah. Okay. Well, see, any sort of any sort of cash that I've got on top, I've been putting in to maximize my earnings on the stocks and crypto. Yeah. So I am I'm definitely making money No. That's there. It's fine. just I need I need a I need a strategy once it comes to a point where I, you know, wanna pay some debt out with it and all that kind of stuff to do it and then sort of try and minimize my tax obligations as much as I can. So I'm not gonna I'm not gonna pull money out of Yeah. it unless like, I've had someone go through it and have a look and go, right o. Well, let's do it this way. So I wanna pay off a bit of that personal Well, debt what you and get basically rid wanna of it do and then then go and buy a place. yeah. Well, let let's say you you skip forward to 2030. Right? Let's say you you're off Manhass and you're just on that $60. Well, then you've got a much bigger buffer to use the lower tax brackets for the sale of the investment and possible offsets after that. So it might be a bit of a timing down Yeah. the line. Line it up when Yeah. the income I've goes down to kind of live I've off it.","start_word":9468,"end_word":9954,"sentiment":"neutral","sentiment_score":0.037376976233488235},{"text":"I've got no interest in pulling any money out of it right now unless it's just a yes and fucking sort out some debt that I've I mean, to sort the debt out, I wanna do it before I lose my big earnings that I've got at Mount Arthur.","start_word":9955,"end_word":10003,"sentiment":"negative","sentiment_score":-0.4816818237304687},{"text":"I wanna wipe that Gotcha. debt out so that that cash is coming into my account, and then I can top top my my, you know, crypto accounts up and that again that I'm making money on. I wanna be able to do that. So, I mean, if I have to pay a bit of tax on it, well, then I just have to fucking wear it, I guess, Yeah. to get because, yeah, it's a couple It of might fucking be silly a small thing couple to of do now.","start_word":10004,"end_word":10094,"sentiment":"neutral","sentiment_score":-0.146650493144989},{"text":"a couple of silly couple of silly decisions back in the day. I've got a fucking I I I just about have the means to get rid of them.","start_word":10095,"end_word":10123,"sentiment":"negative","sentiment_score":-0.5536662936210632},{"text":"So Yeah. I get you. So it might be knock that off now and then leave the biggest stuff to the five year mark. yeah. But, yeah, if I'm making money on this crypto thing like I am at the moment because we've used it we've been going full full throttle into that because The US stock market's just taken, like, the semiconductor and the AI sectors have absolutely lost their ass. So I've got a couple of I've got I've got some bit of money into a couple of stocks that I'm hoping that are gonna come back, but, K.","start_word":10124,"end_word":10224,"sentiment":"neutral","sentiment_score":-0.25772544741630554},{"text":"you know, I've piled we've piled money into this crypto hedging strategy, and I'm, you know, fucking making amazing money off it. Fucking can't believe, like, I'm you know, when he's telling me to when they're telling me to close these crypto orders, you know, it's profit loss of, like, 35%.","start_word":10225,"end_word":10275,"sentiment":"negative","sentiment_score":-0.5801555514335632},{"text":"Jeez. But we're gonna have to end up going to Cayman Islands at some point or The UAE. Maybe. Because, I yeah, don't know.","start_word":10276,"end_word":10299,"sentiment":"neutral","sentiment_score":-0.2707594931125641},{"text":"I I don't have wanna to fuck talk to it.","start_word":10300,"end_word":10309,"sentiment":"negative","sentiment_score":-0.5240912437438965},{"text":"a couple of international advisers and see if we start going to different tax jurisdictions. Maybe that's something down the line to think about. Yeah.","start_word":10310,"end_word":10334,"sentiment":"neutral","sentiment_score":-0.2872510552406311},{"text":"Why not? This is no good given it as if I can government, mate. They just spend it on shit.","start_word":10335,"end_word":10354,"sentiment":"negative","sentiment_score":-0.7598258852958679},{"text":"Yeah.","start_word":10355,"end_word":10355,"sentiment":"neutral","sentiment_score":-0.28975144028663635},{"text":"That's probably the way things are gonna go. People are gonna start just trying to exit in their funds to other countries.","start_word":10356,"end_word":10377,"sentiment":"negative","sentiment_score":-0.37515756487846375},{"text":"Yeah. Well, you already got people leaving Australia You know? to other countries and that because of their country's less and less tax obligations that they require.","start_word":10378,"end_word":10404,"sentiment":"neutral","sentiment_score":-0.236592635512352},{"text":"It's just a fucking joke How we're getting we're getting absolutely railroaded in this country.","start_word":10405,"end_word":10419,"sentiment":"negative","sentiment_score":-0.5392552614212036},{"text":"Yeah. Yeah.","start_word":10420,"end_word":10421,"sentiment":"neutral","sentiment_score":-0.13206854462623596},{"text":"It seems to be all the doors are closing one by one.","start_word":10422,"end_word":10433,"sentiment":"negative","sentiment_score":-0.34577465057373047},{"text":"It's Yes.","start_word":10434,"end_word":10435,"sentiment":"neutral","sentiment_score":-0.13282667100429535},{"text":"been a pretty sad ten years to watch every new budget comes out as another thing closed. Well, the problem that you've got is a lot of these politicians, a lot of them are solicitors and lawyers and shit.","start_word":10436,"end_word":10474,"sentiment":"negative","sentiment_score":-0.4518443048000336},{"text":"All they know how to do is make laws. That's all they know That's how to do. exactly They what I said to the team last week.","start_word":10475,"end_word":10501,"sentiment":"neutral","sentiment_score":-0.27039992809295654},{"text":"They they don't actually don't have know anything they don't economically have or well, no. They don't. Like, Jim Chalmers couldn't organize a fucking pie raffle at local school, and he's in charge of a fucking $3,000,000,000,000 economy. It's a fucking joke. That's it. And You how know, the they just fuck write the legislation how for the lobbying groups.","start_word":10502,"end_word":10561,"sentiment":"negative","sentiment_score":-0.5300153493881226},{"text":"yeah. That's it. And but that's all I know how to do is make laws, and that's it.","start_word":10562,"end_word":10579,"sentiment":"neutral","sentiment_score":-0.29153814911842346},{"text":"They don't they don't have any economic at all. And and and they're too busy too busy fucking going after Pauline Hanson and Gina Reinhardt than actually fucking running the country properly. And problem is the problem Yeah. the way I see it is charity starts at home. We need to start putting fucking Australian people first. This is bullshit.","start_word":10580,"end_word":10639,"sentiment":"negative","sentiment_score":-0.6592880487442017},{"text":"Yep. Yep. Well, I can't get into the politics at work, but, yeah, I can't say I disagree with you. Alright. Still got you there. Yeah, mate. I'm still here. Be here at work, like, in the crib room and that when we're having our crib and stuff, the fucking arguments, the political arguments that ensue at work, it's just I guess that sometimes I have to get up and just walk out.","start_word":10640,"end_word":10712,"sentiment":"neutral","sentiment_score":-0.12034684419631958},{"text":"I'm fucking over it.","start_word":10713,"end_word":10716,"sentiment":"negative","sentiment_score":-0.4438688457012177},{"text":"Well, we'll do the best we can with the options we got while we're here, and we're gonna come to people make right. Can I if you can Yeah. still hear me, I'm still getting a bit of a cutout, so I might have No. to leave I'm it here. there if that's alright? I'm Cool. Cool. So I've got everything noted down for what we're gonna here. do. I'm gonna endeavor to try and sort this out over the couple of weeks and get you booked in to run through it with you. Just keep an ear out for those two emails if that's Okay. Yeah. I'll have a look at them today. alright. Is that when you're gonna send them through or next couple of days? Yeah. Yep. Let me just have a look at what I got on this. Yeah. I should be able to get them to you tonight. My last one's at 05:30, and then I'll pretty much email you straight away after that.","start_word":10717,"end_word":10885,"sentiment":"neutral","sentiment_score":0.0737621933221817},{"text":"Fantastic. Right Well, it's been a pleasure, and I do appreciate you taking the time to talk it through with me again, mate. But leave it with me, and proof will be in the pudding when I show you the plan. Righto, mate. Thank you very much. Awesome. Have a great day, Kane. Cheers. Cheers. You too.","start_word":10886,"end_word":10942,"sentiment":"positive","sentiment_score":0.6180325150489807},{"text":"Bye.","start_word":10943,"end_word":10943,"sentiment":"neutral","sentiment_score":0.2794634997844696}],"average":{"sentiment":"neutral","sentiment_score":-0.09144494050918832}}}}