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Is now still a good time there for you? Yeah. Had you booked in to go through your annual review. Is now still a good time there for you? Fantastic. Peter, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file. Mhmm. No. I have a different address. Yeah. Ballina? That that's okay. So Ballina, The River Street is your new address. Yep. Fantastic. Peter, when we go through your annual review, we normally do send through some documents via email for you to be able to review as well. Are you able to log in to your emails? If you can't, that's honestly fine. Yeah. Fantastic. I'm just gonna send these through to you. That should come through hopefully fairly quickly as if technology locks us today. There we go. It's told me it's sent successfully. Just let me know if they come through. If they don't come through to your inbox fairly shortly, just also double check your junk mail. Sometimes we get directed through to your junk. That happens. Yeah. That's the one. Fantastic. Excellent. And are you working today, or did you get today off? Oh, fantastic. Fantastic. Yeah. So you basically because you're you're doing a milk run. Is that right? You're self employed? Okay. What is okay. Yeah. No. Understandable. I had someone a friend a few years ago try to do something very similar to that, and he said it wasn't very viable as an income stream, especially when you're looking after a family, unfortunately. Yeah. That's all good. They generally say that you should have no less than sort of 250 to 300,000, but it also depends on what you're sort of wanting to do. So with the South Bend Superfund years ago, they most people didn't have them, so they could hold real property, like, purchase a and hold that within the fund there. Unfortunately, in recent weeks, as of the August 10 this year, there has been a caveat that we're no longer able to borrow inside like, borrow from a lender inside of South Superfund to hold residential property. You're only able to do so for commercial property. What's the main sort of reason around you wanting to look at this the SMSF side of things? What what's your thinking? Yeah. That I guess that's a great great way of thinking. Unfortunately, because it's your own personal mortgage, it goes against the rules around the self managed super fund. So in in an SMSF, other rules around an investment needs to be it's at an arm's length transaction. So it means to be it it needs yeah. Yep. I Yeah. I know. I Yeah. Yeah. Yeah. No. Completely understandable. It it does sort of defeat the purpose of sort of having it, and it it isn't a great rule. I get fully get that. The main sort of the caveat there is that super step for a sole purpose reason of providing for your retirement. So they have these rules around that. But yeah. Yeah. The main the main sort of purpose is it's meant to be super is meant to be providing an income stream in retirement or to sort of help you alleviate utilizing the, the public system. Whereas having a mortgage technically puts a roof over your head, but it doesn't provide for income there. So I can understand both both sides. Mhmm. Yeah. Oh, absolutely. Yeah. Yeah. That's your goal. Yeah. Well, I definitely would like to not see that happen. That's, yeah, that is definitely something yeah. And, look, that is definitely something I wanted to talk to you about because, realistically, kind of given past data, at your agent stage, realistically, we should see about 250,000 sitting in through for that. So because your balance is what it is at the moment, I'm just having a quick look at the documents I have here. So balance as of today oh, sorry. I'm looking at the wrong document. Doesn't wanna work for me. That's okay. So sitting in super at the moment, your balance is a little over that 100 and where are we? Up to 125,847 at the moment. So it is yeah. Yeah. I'm just having a look at the advice document for you. It's understandable. Yeah. Yeah. No. Yeah. And, I mean, we have yeah. I I honestly wouldn't probably do that just because it is very risky, and the the crypto world doesn't actually close. So you are taking a lot more risk to do that, and Bitcoin itself is down pretty heavily at the moment. Like, it might be up for the week or the the month, but overall, it has been quite heavy dips in the past year. So I'd be more concerned. Yeah. They are at the moment. Yeah. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I'm that's all good. No. I completely understand what you're saying. I think the main thing I would like to be able to help you do is try and build on your super as much as possible. Obviously, you wanted to sort of look at that SMS of self made super fund route. It doesn't quite work for what you're after. And I know you are sort of in between jobs at the moment. I would definitely like to try to help you to boost super as much as possible. We have seen a lot of ups and downs in the market this year. So your super overall, since coming on board with us, since inception in 2020, you have made money. You are definitely up a little over 7.34%. So you have definitely come on board and made money in that time frame. But in this year, we have seen a lot of ups and downs with the market as a whole. So yeah. Correct. Correct. Yeah. Correct. Yeah. No. I completely understand. And, I mean, we've had a bit of a look now. I just wanted to find out as well. In the last three months over the last twelve months, we have seen a lot of ups and downs that your portfolio was working quite nicely towards sort of the early the part of this year. Then around April, we did see a bit of a different account. It fell a little over 1% there. But in the last sort of three months, we've seen it come back and obtain about a 6% gain. So we have sort of seen a bit of a recovery point there. The other thing that we did notice and we did do, we would've sent an email to you around about March this year. Do you remember seeing that email in your inbox at all? No. That's okay. Within your portfolio, we had we had an investment called Ben along Australian Equities. Now that is an actively managed managed fund. The idea of that investment is the managed the fund manager within Benelong is trying to outperform against the market and trying to actively manage their portfolio. They haven't been able to do so. So along with what's been happening globally, that was underperforming a little bit as well. So we also looked and removed that from your portfolio, and we actually replaced it with the beta shares Aussie 200. So been along generally held about 15 to 25 different investments there. The a 200 is a much cheaper investment. It's also giving you greater diversification because it's tracking the top 200 companies on the ASX, and it's also cheaper because it's not an actively managed investment. It's more of a passively managed investment, so it tracks the market. And when we kind of look at history, while there are times where active managers can outperform against the market, people who trade tend to not perform over the longer term. So being in more of a passive portfolio can definitely provide you with greater returns there. So it has been a very up and down year. Your portfolio hasn't obviously performed as well as we would have hoped, but it is important to sort of keep looking forward and moving and building on that and compounding. I wanted to sort of look at whether some new advice needed to be updated for you, but it looks like from what you've told me so far, you're in between jobs at the moment. So you're kinda doing this pass the delivery while you're looking for something new. What's the new business that you're looking to purchase? What's that to entail? Yep. Yep. Do you know sort of when that when you're sort of hoping to have that done, or is, like, a a time frame that you're sort of hoping to not sure? Oh, I'm sorry. Yeah. Yep. Wow. So they forced a few people? Wow. Wow. Yeah. Yeah. I'm sorry to hear that. Yeah. So we're on the Gold Coast in Southport here. Yep. Yep. Yeah. I me. I'm 41. Why? Yeah. Absolutely. I'd. Yeah, no, I do completely understand where you're going there. I've got two children for 19 and 20, and they are currently in the process trying to save up to build a house deposit. And, like, realistically, as you're saying, with inflation and with everything going getting more expensive, it does sound to make it difficult that for them to have a mortgage in the future. They're gonna have to also rely on myself to, you know, put some of my assets up as collateral to sort of help them out. So I do thoroughly understand where you are going with that and how you are feeling. It is making it very, very difficult for the future generations to be able to purchase a home or for people to pay off homes. I know even people my age and your age are, you know, expecting to go into retirement still having a mortgage because it is just very hard to cover the cost and reduce it. How much do you owe on at the moment? Well, if I win, I'll share it. Yeah. On the offset? Yeah. Yeah. Yeah. Yeah. Yep. Yeah. And interest rates probably up around that sort of six to 7% at the moment. Yeah. Yep. Are you sort of hoping to be able to maybe down the track use some of your super when you retire or when you get old enough to maybe look at retiring to sort of help pay down the loan, or are you sort of just wanting to keep your super as an income stream knowing you may need to draw down more in retirement to cover the mortgage or payments if you still have the mortgage to that time frame? What have you sort of thought about the outcomes there? Yeah. Mhmm. Yeah. Yep. Yeah. Wow. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Wow. Yeah. Wow. Oh, wow. I mean, you're on River Street too, and that's not a bad place. Like, I know New Orleans and New South Wales quite well. I'll actually live in New South Wales and drive to the Coast every day for work. So I know Ballina quite well, but you're on River Street there. Yeah. Yeah. Yeah. Okay. Yep. Yes. Oh, absolutely. Wow. That's crazy. When's the last time you had your mortgage looked at by maybe a mortgage broker or a bank? Have you sort of had the the rates reassessed to see if there's a better rate out there or if they can maybe help you to pay it down faster by reassessing the loan? Okay. Yep. Yep. Yeah. Yes. Yeah. Yep. Yep. Yep. Yeah. Yeah. No. That's okay. I mean, the other thing is is that we do have mortgage brokers that we can definitely look to refer you through to. And another option might be if they look at the loan that you have and the rate that you're on and maybe reassess your circumstances, they might be able to refinance to a lower rate and also look at ways to help you pay the mortgage down faster. I know, you know, looking at things that might still be, you know, a fifteen, twenty year loan. But if they can sort of reevaluate, get you on a lower rate, which reduces your repayments, then making more repayments can help you to reduce the loan a bit faster as well. But, yeah, it's also up to whether or not you're comfortable going through that because it is a bit of a process. You are going through responsible lending regulations and having everything looked at. But if it's something you would like to do, you're welcome to let us know. We can refer you through to a mortgage broker to assess that that is at no cost to yourself. So yeah. Absolutely. Absolutely. That's okay. Absolutely fine. So because we have made that switch within your super fund there, I would like to sort of just maybe do a bit of a review on your performance in the next, say, you know, three to six months just to sort of see if there's any new advice down the track to sort of look at. The other thing I wanted to sort of touch base on is the contribution side of things. So, I mean, you're in that growth environment taking a bit more risk to try and get greater potential returns now, but contributions do kinda go to helping. I know with you in between jobs and sort of with a lot of changes going on, do you have much in the way of expendable income or savings? At. Yeah. That's right. Yeah. That's absolutely fine. Yeah. You're right. Yeah. Okay. That's fine. Yep. Yes. Yes. Yeah. Yeah. Yeah. No. That's okay. Yeah. Yeah. No. That's okay. That's completely understandable. I can keep bringing it up down the track. And when and if you decide that you are comfortable wanting to put some more into that, that's absolutely fine. What I'd like to maybe do is just keep watching things over the next week. Do you want me to do a catch up in maybe three months or six months with you to see how these changes that we've made are performing and see if there's any new advice down the track to sort of provide? Would you like that in three or six months? What would you prefer, Peter? I'm happy to coordinate with six months. Yeah. That brings us up to February, if that's okay. Yeah. Mhmm. Yeah. Absolutely. So they do have what's called a deductible contribution where you deposit the funds from your bank account into the super fund. Again, it does lock it away, and then we claim what's called a notice of intent against that. So say if you put $10,000 in, it goes in nonconcessionally. We put we claim the notice of intent for you. The super fund then deducts 15% tax out of that contribution, and you can take that 10,000 back to your account and and claim that as a tax deduction on the year's income. So you absolutely can do that. You if that's something you would like to do, I'm more than happy to put maybe something in the calendar so we can touch base before the end of the financial year and look at your income and what you have available and what you might be comfortable putting in the super. I can also give you personal advice and provide an advice document that recommends doing so and the benefits, the advantages, disadvantages, and risks of doing that to make it easier on you so you can see it all. Yep. Yep. Not net you can there is a way that that can work for you if you are open to doing it. So if you were to look at doing that now and say you had ten or twenty thousand over the course of the year that you wanted to put into super, you can put it in as a lump sum. The downside of doing that is the money gets invested at one time. So if you dump $20 in tomorrow, the money gets invested, the market drops, so that is gonna reflect. What you could then also be doing is doing it on a regular basis. So putting smaller amounts of money in on a more regular basis, doing the exact same thing. It comes out of your bank account and into the super fund. We can help you to set it up as a regular direct debit or it's a regular transfer from your bank account, or you can manually do it. Depends on your comfort level. But then not necessarily. If we start Yes. Yeah. Yep. Yep. Put it under the loan. Yeah. Yeah. Honestly, the way I sort of put that is that when if you're really good with money and you're able to put that money into the offset and have it just sitting there and you know you're not gonna use it, you're pretty good, you know, just not drawing back whenever you need to, then the offset works honestly the same way. The main difference is in the way I sort of work with a lot of my clients is if they're not great with money, if they find having large sums of money in the offset is easily accessible and they're more likely to use it, then putting it on the loan is a better scenario. It does physically reduce the loan amount, which can also be a benefit to someone who is just looking for that kind of gratitude. But then it is harder to take back. Doing a redraw can be a little bit harder than just having a card and tapping away. So they both have the same effect of reducing the amount of interest that you pay. The main factor is do you wanna see your loan balance decreasing and putting it on the loan directly, or are you comfortable having it in the offset account and not using it all the time to make it easier? And you seem like you're pretty pretty comfortable with that, but it it kinda feels to me like having it for yourself. And you can correct me if I'm wrong, but having it on the loan feels like it would be a much more comfortable aspect for you. So you can physically see the loan balance dropping, which can kind of provide a little bit more, you know, gratitude. It kinda shows you that you're actually reducing the loan a lot faster, which can be the most people tend to find better. Yeah. COVID interest rates. Yeah. Yeah. Understandable. But, I mean, the other side of it is putting more money into your offset account and the loan does provide a guaranteed rate of return, whereas putting it into super or investing the money, there's no guarantee on the rate of return. But if you wanted to look at doing additional contributions, we can structure it so that you are putting maybe smaller amounts in regularly so long as we can kind of and I monitor things and do catch ups with you to make sure things are working harder. But, realistically, if you're putting enough money in and you're also getting good growth on top of that and compounding it over time, you theoretically could end up with enough, if not enough, to cover the mortgage at least close to. And if that's what you wanted to do, if you wanted to just sort of get to retirement age, take all your money out, pay your mortgage down or off completely if possible, and then go overseas and rent the property out, that could work as your retirement goal. There's nothing wrong with that in any way, shape, or form. But giving a super a boost yeah. Giving a super a boost is definitely important. And as much as the way I sorta super is think of it like your car. The actual super fund is the car. You're sitting in the car, but without fuel, you can't really go anywhere. The investments, the fuel, and having contributions put in there does add to it. It's like topping it up and helping it to grow and build. And as much as we can get, you know, a seven or a 10 or a 20% return just from investments and compound that, sometimes adding a little bit of extra money in also provides a greater benefit. It helps to boost and replenish and build on your super a lot quicker as well. So there is that consideration to you're at. Sorry. That's that's alright. You're fine, honestly. The current concessional rate, so this is thinking like employer contributions or contributions where you've claimed a notice intent. This year, financial year, it's 32,500. However, they also have what's called the carry forward, which means if you've not put in up the cap over the last five years and your super balance is under 500,000 as at June 30 last year so at thirtieth of June this year, then you can also probably use catch up contributions from the last five years, and your ATO account would give you that level. So you could theoretically be putting in, you know, 50, 50, a 100,000 depending on what your carry forward limit is, depending on what you're comfortable with as well. They also have non concessional contributions, which at the moment, you can put up to a 130,000 in this financial year, and that's after tax free component within your super funds. So there is a pretty good limit of contributions that can be made. It just depends upon what you're comfortable with. And sometimes starting smaller is a comfort level for most people, especially when they do have a mortgage because most people wanna pay the mortgage down as quickly as possible. The banks make quite a bit of money off our mortgages. Mhmm. Yeah. Yeah. Yeah. Yeah. That's okay. When what age? I mean, theoretically, under the current legislation, if you get to the age of 60 and you decide you wanna then officially stop work, retire for all intensive purposes, and access that money, you can draw the whole amount of your super out and put it onto your mortgage if that's what you wanna do. Alternatively no. So the age of 60 is the first preservation age. If you fully retire at 60, you can access your funds a 100% tax free and take it all out. Alternatively, if you wait to age 65, they will make you'll have access to your funds regardless of whether you're working or not. And age 67, if you're eligible for, is the age you're able to apply for the age pension through Centrelink or Services Australia. So that's how that works at the moment. Yeah. Yeah. Correct. So at 60, if you ring me at 60 and go, hey. I'm gonna retire. I'm gonna stop working. I wanna take all my money out. We can a 100% do that. It doesn't matter how much you have in there. Same thing at 65. At 65, if regardless, if you're still working at 65 and you say you wanna take all of it out, you absolutely can. The caveat is between 60 to 65, you have to fully retire with the intention of not going back to work or reduce your hours to below ten hours per week. At 65, it doesn't matter whether you're working or not, but they don't care how much you have in there. If you meet those conditions, you can take it all out, and it gets all tax free. I mean, if there's there's contributions going in, going in, I would probably please not tell me because I'm on a recorded line. If you ring me, you just tell me you're retired. Yep. Oh, that's fine. Yeah. Yeah. Absolutely. There's no there's no rule that says you have to stay retired. If you decide to stop working here in Australia and you are over 60 and you want to take all your money out, out, you do whatever you wanna do with it, if you then go back to work, that's fine. There's no caveat saying you can never go back to work again. It's just the intention to not go back to work. It's the intention of retirement. But people retire and get bored and go back to work a week later. It's no problem at all. Yeah. Yeah. Yeah. Yes. Yep. Yeah. Yep. Yep. Yeah. Oh, wow. Yeah. Oh, daze. Gotta pass both sides of it. Yeah. That would be difficult. You yeah. Right. Yeah. Right. Yeah. Right. And it's the Hong Kong mafia. Wow. That's crazy. Yeah. Well, there'd be more severe punishment, wouldn't it? I've never. No. No. That's cool. So he's he's across it all. He knows where to go, what to do. Yeah. Wow. Yeah. Wow. Yeah. No. Absolutely not. Definitely not. Wow. That's insane. Jeez. Alright. All good. Well, what we'll do moving forward is with your super, I'll keep things as they are for the moment, and we'll do a catch up in six months if you're comfortable with that. In the meantime, I'll keep looking at things, sort of seeing how it's growing, what's happening. We'll do a catch up in February to see what's happening work wise, where you earn money, what kind of changes you've got, and whether we maybe update advice and consider making more contributions moving forward. Does that sound okay with you? Yep. Beautiful. We'll let those changes sort of sit and play, and I'll see how things go. If I look at things because I do look at your super, you know, every so often and see what's happening and, you know, see what the balance is doing and what the returns look like and if something needs to be updated or changed. So if I do sort of look at that and I find there is maybe a need to make some changes, I'll definitely make contact with you and let you know in the meantime. Does that sound okay with you, Peter? Yep. Beautiful. That's okay. I wanna make sure. Look. You know, not everyone feels the same way about super, but you're our client. So I wanna make sure that, you know, your super is working as hard as it possibly can for you. You've worked your butt off for years, so your money should just be working as hard as it can for you. So we'll make sure things are working as hard as they can. You are kind of in that growth environment. Now one of the things I sort of also wanted to look at was just the risk profiling. So in your super, the you're in more of a growth environment, which generally sees about 80% of your super invest in growth assets. So think about Australian and international shares, listed property, and commodities like gold and silver, and then the other 20% in defensive low risk investments like cash, bonds, and fixed interest. This sort of a portfolio, you're wanting to sort of average around about a seven to 9% on a yearly basis compounding that over time. And we know with market ups and downs, there is the risk of a negative year, and we expect that around about one in every five years. This sort of portfolio happily suits someone who's not gonna access their funds for around about six years. If you were definitely closer to retirement than you are, I would be saying, let's pull that back a little bit. And looking at where you are now, just double checking, you're 54 this year next month. Is that right? Yep. What is the likelihood of you wanting to withdraw those funds at the age of 60, or do you think you're gonna wanna probably try and keep it growing a little bit longer? What do you think the likelihood is of that? Yeah. So you'll probably sell the house as well? Yep. Okay. That's alright. Yep. Yeah. No. That's okay. Understandable. Yeah. So do you think you'd be wanting to sort of use your super to pay down the mortgage prior to selling the house or to sell that, let the proceeds pay off the rest of the mortgage if there's one owing, and then add the additional proceeds to your super and maybe take that overseas and live off that money? Does that sound like what you not sure? That's okay. We got some things to definitely think about over the next six months, and I'll I'll definitely sort of check-in and ask more about that when we catch up in February just to sort of see where your plans and goals might be going. One of the things you'll probably notice about me is I ask all the questions you've probably never thought about. So at least it'll kinda give you an idea of thinking about what you're after, where you wanna head towards, and what you maybe wanna do when you do get to those ages of retirement. Does that make sense? Yeah. I just wanted to so I'm gonna work on 60 as a bit of a baseline, which realistically, at the moment, gives us seven years. It's as of next month, we'll have about six years there. Have you ever owned shares of cryptocurrency or investments in your own name before? No. That's okay. With market ups and downs, like, we've sort of seen a lot of those at the moment, how might you be feeling if your super took a bit more of a a dive, say, dropped by 20% in the next one or two years? Do you think you'd be maybe taking it as an investment opportunity, putting money into the market? Are you feeling like you'd be calling us and having a chat about what to do, or are you feeling very nervous about the market ups and downs and wanting to sell the investment maybe to cash? How do you think you might react in that instance? Yep. No. Do you think you might like yeah. You're Do you think you might be willing to maybe call us and have a chat about what's going, seeing what we can do advice wise, and, you know, try to look at what options you have moving forward? Does that sound like something that you might be open to doing, or do you think you'd just be more concerned about it? Yep. Yep. That's okay. I've noted here that we're looking to try and get the best return we possibly can. And in the past, you've mentioned that you've sort of seen your sleep and not doing so well. If you thought whenever you see your super full, how do you think you're feeling about that? Are you optimistic about the investment opportunities? A bit cautious, concerned, or anxious? How do you sort of feel or do you think you feel when you see you're super full? Anxious? Yep. It is. Yeah. Absolutely. Yeah. Yep. I think one of the things to point out is that whilst there are dividends that are being paid, they are compounding in. It's also the growth, and that's one of the biggest things. That's why we talk a lot about the risk factor is the growth that you see. The growth in the portfolio is the change in the investment prices. So as an example, if you held, say, CBA and it was worth $50 a day, tomorrow it might be worth a $100 a share. The next day, it might only be worth $20 per share. And that's not necessarily a reflection of the what the company is worth. It's more just a reflection of what people are willing to pay for that. And markets go up and down for a myriad of reasons. Essentially, it could just be that people are at the end of the financial year trying to take profits out of their investments at tax time. In December, we tend to see a lot of those sorts of sell offs because, you know, The US tax year has finished up, so sometimes we see that. Our financial year, we see the same thing. We tend to see markets take a little bit of a dip around about the end of June where people might be selling off for profits. It might also just be like we saw in April this year. The markets are going up and down because Trump sort of said something, traded something, or made a decision, and that sort of scared investors off. And a lot of investors are older, so they are sort of looking at their funds going, oh, no. What's this gonna mean? I need to sell out now to cash before somebody else does to keep my returns. And that sort of thing starts a bit of a sell off. Other people see it getting red and going down, and they continue to do the same thing. So 90% of market reactions is just human beings buying and selling. My job is to keep you from trying to make those sorts of decisions. It's to tell you that it's okay. And when we're looking at those sorts of things, like, no one likes to see the balance go down, but we wanna make sure you're in a portfolio that if you saw that 20% dip this year or next year, that you're not gonna make a decision to sell out of the portfolio, that you're able to sit and wait and let that portfolio come back. One of the biggest things that we make sure that we do is that we never recommend anything that is only been around for a short time. All the investments that you're invested in have been around for a long period of time. They've seen, like, the GFC style events. They've been through COVID. Those investments have withstood those downtimes and then come back and recovered as as the downtimes have kind of come back out as people have been more confident in the market. So it's one of the important things. And when we talk about risk, it's about making sure that you're in those portfolio, that you're comfortable with the ups and downs. And when you're not, that we maybe pull back that risk level. However, taking less risk in the market may means that we are also expecting lower rates of return. So it's kind of a juggling act. Are you wanting to are you comfortable taking on a bit more risk now knowing that you're gonna there is the risk of a downtime, but you're not gonna access the money in that downtime? You've got you've got time on your side to wade through that and wait for your portfolio to recover prior to taking any money out or prior to taking large lump sums. Does that make sense? Does that clarify? Yeah. So risk isn't always a bad thing. You want good returns to take a little bit more risk to do so, but it's gotta be within a certain comfort level for you as well. So I'd be happy to keep you in this sort of environment. You've scored as a growth investor, so that's okay probably for this year. But then maybe we look at it in February and look at maybe adjusting the risk level a little bit if you are, you know, wanting to realistically think about selling out and and taking the funds at 60. Does that make sense? Do you have more questions? Did you want me to clarify anything for you? No? Wow. That would have been a long time ago. Wow. Yeah. Yeah. Wow. Yeah. Yeah. Yeah. Let me have a quick look for you. Wow. And yeah. So that's a bit of an inheritance down the track for you as well someday. Yeah. Oh, that's the same. Yeah. Yeah. Wow. How progressed is it? Yeah. Yeah. Yeah. Balon is not a bad place to be. Yeah. Yes. Yes. Yeah. I understand that. Yeah. So I was born, yeah, I was born in Murwillumbah, and I lived in Murwillumbah and now live at Tweed Heads, Sonora Point. Yeah. Yep. Yeah. Wow. Yep. Yeah. Wow. Yeah. Nice. Nice. Yep. Yep. It's a little bit further up than Byron, so it's about, say, half an hour north of Byron, and then about an hour away from Ballina. North. Yeah. It is. Yeah. Yep. Yep. I think what you're thinking was Mullumbimby, which is closer to Byron. Yeah. No. That's okay. Yeah. Well, see, you live in the right place for that. You've got Byron, Lennox, Ballina. Oh, the headlands there are great for surfing. Yeah. Yeah. Yeah. Yeah. Absolutely. Absolutely. So with your role at the moment, with the deliveries for Australia Post, are you employed by Australia Post, or are you more subcontracting? How does that sort of work? Yeah. Right. Yeah. Wow. Yeah. Wow. Yeah. Okay. Right. Yep. Yep. So this is the pay Sorry. You're right. Okay. Yes. Yay. I could only imagine the amount of gets that has to be delivered around Christmas time. Yeah. Yes. Oh, absolutely. Yes. Yep. Absolutely. Absolutely. I remember when I used to work in Bellona, I used to drive through Bellona every day for work from Tweed, and I hated the weekend of Blues Festival because the m one was clogged with the amount of people trying to get into Byron that weekend. That is insane. Yeah. Yeah. Yep. Yeah. Wow. Yeah. Yep. Yep. Wow. Alright. That's okay. That's absolutely fine. Beautiful. So that's all working. What sort of hours are you working at the moment? You sort of said you start early and finish a bit earlier. Are you sort of working full time hours, you know, thirty eight hour weeks or more, or what's the average hours you would be doing? Yep. Okay. So it sort of depends. Yes. Okay. Beautiful. Yep. Yep. Yeah. And I guess it's how Yep. You're right. Wow. Well, hopefully, you find a business to purchase soon, something that, you know, you're happy doing and oh, you're right. Okay. Yeah. Yeah. Yeah. K. Oh, go. We'll have That's all good. I just wanted to update a few additional things for you. Now the other thing I sort of wanted to pull up was that you don't have any life, TPD, income protection, or trauma insurances. You're comfortable with that position not having any personal insurance cover? No. That's okay. Not a problem at all. No. No. That's okay. All good. I've got your assets here. Your house at the moment. Last valuation was about 400,000. Would you change or alter that valuation at the moment or keep it the same? Okay. About $4.80. Perfect. Let's update that for you. I also have your G six E turbo, rough valuation 50,000. Would you keep it about the same or alter that value? Yep. Awesome. I've got an old Ford Coupe as well at 65,000 of value. Would you keep that the same, Alter It? Beautiful. And then we've got a Ford Ute evaluation there of 18,000. Would you alter or change that in any way, shape, or form? Yep. That's okay. Not a problem at all. And then I've also got a Nissan truck here with a valuation of 20,000. Would you alter or change that one? Yep. That's alright. Is there any other assets, liabilities, or anything else that we would need to note down for the change of circumstances at all? No. That's okay. All good. I've also got it noted here that we don't have a beneficiary nomination on file for you at the moment. So given your current circumstances, if you were to, say, pass away now, not having a beneficiary means that your super has no direction on where you would want that money to be paid to. Have you sort of thought about what would happen to your super if you were to pass away, where you want that to go. Yep. Yep. So I've got down here with regard to the will. So as with super, there's rules around everything. We can't nominate your mom directly as a beneficiary, but have you got a will? It looks like there was yep. So what? Okay. Yeah. You're right. Yep. That's okay. So with the beneficiary nomination not being on file, in order for it to sort of go to your to your mom or your brother, it does need to be directed through your, through to your will. There is a way we can nominate a beneficiary on file where we pick the legal personal representative, which just means if you were to pass away, your super balance would then be paid direct to your estate. And then as long as your will is valid, it would be directed out as per your will. Is that kind of what you would want to happen to your super? Yep. Are you I can organize the beneficiary forms to be pre filled if you're comfortable with us picking that LPR. Did you want me to pre fill that, tick the box for you? Yep. Beautiful. We'll get it sent out with some direction. You just need to sign and return it back and have a couple of people witness it. So two people over the 18, if they can just witness you signing it, then send it back to us so we can have it, attached for you. Now there are three types of nominations you can have for a beneficiary. The first one is nonbinding, where the trustee you make the the nomination. The trustee, if you pass away, decides whether they're gonna you know, whether it's followable. It's just you know, they get to decide. They have a a binding which means that you have to update the nomination every three years, or we can do a binding non lapsing. So you fill it out now. We have it applied, and you never have to refill that format again unless you wanna change or update that nomination. Do you have a preference on which one you'd wanna go with? Yeah. Beautiful. Let's fill it out once and once only. Hey. Lovely. I can get that nomination pre filled and ticked if you're comfortable with me doing so. Are you happy with me pre filling those details in your beneficiary? Beautiful. My team can email it or post it out to you or both. What would you prefer? Post, email, both? It has to be web signed, so with a a pen and paper. Yep. Yep. Beautiful. That's okay. We can get out to you and follow it up to make sure it is all applied there. On the and your review packet that I did email through, it has the information around your portfolio, how it's performed, your updated super balance there as well. It's also got the financial services guide, which has all of my information as a licensed adviser. If you wanna have a look in that, sort of lovely photo of me as well. It just outlines everything about who we are, what we do, and how we do it. It is a legal document. I always tell people, if you have trouble sleeping one night without the FSG and not get cold in a few seconds, they are generally that boring. But it does outline everything about who we are, what we do, the services we provide there. And then it's also got your ongoing service agreement for the next twelve months. So with your balance, we've actually updated our fee structure. So once your super balance goes over the $200,000 threshold, you'll move into the lower tier. So as your balance increases over time, the the amount you pay as a percentage for our services does kinda decrease as you drop to the threshold. Because you're on your balance is under 200,000 at the moment, you're still on 1.65%. The main thing is our our tiered structure or our fee used to just be the 1.65% entered. We have now worked it out to be a set dollar figure fee for you, and that means that the way it used to work is when the balance went up and down, the fee would also go up and down with it, but it meant that if your balance kept increasing, our fee kept on increasing with it. The way we will work it out now is that we work out the 1.65 based on your current balance. We add a 5% return to it, and then we work out the set dollar figure fee. And that basically gives you more certainty around how much you pay for our services for the year, and the fee doesn't go over that amount. So if you get a 20 return on your super, you don't your fee doesn't go up anymore over that dollar figure fee for the rest of the year. Does that make sense? Yeah. The idea is it gives you a lot more certainty there. And as we build your super balance up over those thresholds, the tiers do get cheaper and cheaper for you. So we wanna make sure that we're looking after and being open with everything. But the ongoing service agreement is in there for you. We've worked out for our fees for this year. It is $2,175.22. You will not pay anything more than that for our services. It's just deducted out of your super in smaller monthly increments, and we'll keep reviewing that moving forward. I would like to make sure that your super grows and makes more than that over the next year to make it worthwhile. If at any point I feel like our services are not you're not getting the value out of our services, then I'll turn that fee off. But for now, I wanna make sure we're working on things and do a catch up with you and look at providing some advice down the track to help you along. Does that sound okay? Do you have any questions? Beautiful. Well, if you're do so, I'll get you to sign and return those documents back to me as soon as you possibly can. Other than that, I'll get the beneficiary nomination sorted for you, and I've got you down to do a catch up in February, and we'll look at how things are tracking then for you. Okay? Excellent. Awesome. Yeah. Absolutely. After three. Yep. No. That's absolutely fine. I can do that. That's not a problem at all. I'll make sure that that note's in there for you now. Yeah. That's okay. I'm pretty persistent. It's not a problem. All good. Oh, look. Honestly, I actually do work until 06:00 most nights, and one one day a week, I work until seven. So, yeah, I'd like to make sure that I am available because, you know, we all work hard and long hours sometimes, and life gets busy. So having me work back that late does mean that I can take reviews and be there for you later in the afternoon if it suits if you need me to be. So that's fine. Excellent. All good. Well, feel free to have a look through the documents there. Wendy, I'm happy to do so. I'll get you to press the sign button or turn those back. And if you have any questions, please let me know. Okay? No worries. You have a good afternoon. I'll let you go to call your mom. You have a great one. Thanks for your time, Peter. Appreciate it. Thanks. See you later. 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Peter. This is Dana from OQ Financial. How are you this afternoon? Oh, that's a good thing. Excellent.\n\nI had your full due to go through your annual review today. Is now still a good time there for you? Yeah. Had you booked in to go through your annual review. Is now still a good time there for you?\n\nFantastic. Peter, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file.\n\nMhmm. No. I have a different address. Yeah. Ballina?\n\nThat that's okay. So Ballina, The River Street is your new address. Yep. Fantastic. Peter, when we go through your annual review, we normally do send through some documents via email for you to be able to review as well.\n\nAre you able to log in to your emails? If you can't, that's honestly fine. Yeah. Fantastic. I'm just gonna send these through to you.\n\nThat should come through hopefully fairly quickly as if technology locks us today. There we go. It's told me it's sent successfully. Just let me know if they come through. If they don't come through to your inbox fairly shortly, just also double check your junk mail.\n\nSometimes we get directed through to your junk. That happens. Yeah. That's the one. Fantastic.\n\nExcellent. And are you working today, or did you get today off? Oh, fantastic. Fantastic. Yeah.\n\nSo you basically because you're you're doing a milk run. Is that right? You're self employed? Okay. What is okay.\n\nYeah. No. Understandable. I had someone a friend a few years ago try to do something very similar to that, and he said it wasn't very viable as an income stream, especially when you're looking after a family, unfortunately. Yeah.\n\nThat's all good. They generally say that you should have no less than sort of 250 to 300,000, but it also depends on what you're sort of wanting to do. So with the South Bend Superfund years ago, they most people didn't have them, so they could hold real property, like, purchase a and hold that within the fund there. Unfortunately, in recent weeks, as of the August 10 this year, there has been a caveat that we're no longer able to borrow inside like, borrow from a lender inside of South Superfund to hold residential property. You're only able to do so for commercial property.\n\nWhat's the main sort of reason around you wanting to look at this the SMSF side of things? What what's your thinking? Yeah. That I guess that's a great great way of thinking. Unfortunately, because it's your own personal mortgage, it goes against the rules around the self managed super fund.\n\nSo in in an SMSF, other rules around an investment needs to be it's at an arm's length transaction. So it means to be it it needs yeah. Yep. I Yeah. I know.\n\nI Yeah. Yeah. Yeah. No. Completely understandable.\n\nIt it does sort of defeat the purpose of sort of having it, and it it isn't a great rule. I get fully get that. The main sort of the caveat there is that super step for a sole purpose reason of providing for your retirement. So they have these rules around that. But yeah.\n\nYeah. The main the main sort of purpose is it's meant to be super is meant to be providing an income stream in retirement or to sort of help you alleviate utilizing the, the public system. Whereas having a mortgage technically puts a roof over your head, but it doesn't provide for income there. So I can understand both both sides. Mhmm.\n\nYeah. Oh, absolutely. Yeah. Yeah. That's your goal.\n\nYeah. Well, I definitely would like to not see that happen. That's, yeah, that is definitely something yeah. And, look, that is definitely something I wanted to talk to you about because, realistically, kind of given past data, at your agent stage, realistically, we should see about 250,000 sitting in through for that. So because your balance is what it is at the moment, I'm just having a quick look at the documents I have here.\n\nSo balance as of today oh, sorry. I'm looking at the wrong document. Doesn't wanna work for me. That's okay. So sitting in super at the moment, your balance is a little over that 100 and where are we?\n\nUp to 125,847 at the moment. So it is yeah. Yeah. I'm just having a look at the advice document for you. It's understandable.\n\nYeah. Yeah. No. Yeah. And, I mean, we have yeah.\n\nI I honestly wouldn't probably do that just because it is very risky, and the the crypto world doesn't actually close. So you are taking a lot more risk to do that, and Bitcoin itself is down pretty heavily at the moment. Like, it might be up for the week or the the month, but overall, it has been quite heavy dips in the past year. So I'd be more concerned. Yeah.\n\nThey are at the moment. Yeah. Mhmm. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. I'm that's all good. No. I completely understand what you're saying.\n\nI think the main thing I would like to be able to help you do is try and build on your super as much as possible. Obviously, you wanted to sort of look at that SMS of self made super fund route. It doesn't quite work for what you're after. And I know you are sort of in between jobs at the moment. I would definitely like to try to help you to boost super as much as possible.\n\nWe have seen a lot of ups and downs in the market this year. So your super overall, since coming on board with us, since inception in 2020, you have made money. You are definitely up a little over 7.34%. So you have definitely come on board and made money in that time frame. But in this year, we have seen a lot of ups and downs with the market as a whole.\n\nSo yeah. Correct. Correct. Yeah. Correct.\n\nYeah. No. I completely understand. And, I mean, we've had a bit of a look now. I just wanted to find out as well.\n\nIn the last three months over the last twelve months, we have seen a lot of ups and downs that your portfolio was working quite nicely towards sort of the early the part of this year. Then around April, we did see a bit of a different account. It fell a little over 1% there. But in the last sort of three months, we've seen it come back and obtain about a 6% gain. So we have sort of seen a bit of a recovery point there.\n\nThe other thing that we did notice and we did do, we would've sent an email to you around about March this year. Do you remember seeing that email in your inbox at all? No. That's okay. Within your portfolio, we had we had an investment called Ben along Australian Equities.\n\nNow that is an actively managed managed fund. The idea of that investment is the managed the fund manager within Benelong is trying to outperform against the market and trying to actively manage their portfolio. They haven't been able to do so. So along with what's been happening globally, that was underperforming a little bit as well. So we also looked and removed that from your portfolio, and we actually replaced it with the beta shares Aussie 200.\n\nSo been along generally held about 15 to 25 different investments there. The a 200 is a much cheaper investment. It's also giving you greater diversification because it's tracking the top 200 companies on the ASX, and it's also cheaper because it's not an actively managed investment. It's more of a passively managed investment, so it tracks the market. And when we kind of look at history, while there are times where active managers can outperform against the market, people who trade tend to not perform over the longer term.\n\nSo being in more of a passive portfolio can definitely provide you with greater returns there. So it has been a very up and down year. Your portfolio hasn't obviously performed as well as we would have hoped, but it is important to sort of keep looking forward and moving and building on that and compounding. I wanted to sort of look at whether some new advice needed to be updated for you, but it looks like from what you've told me so far, you're in between jobs at the moment. So you're kinda doing this pass the delivery while you're looking for something new.\n\nWhat's the new business that you're looking to purchase? What's that to entail? Yep. Yep. Do you know sort of when that when you're sort of hoping to have that done, or is, like, a a time frame that you're sort of hoping to not sure?\n\nOh, I'm sorry. Yeah. Yep. Wow. So they forced a few people?\n\nWow. Wow. Yeah. Yeah. I'm sorry to hear that.\n\nYeah. So we're on the Gold Coast in Southport here. Yep. Yep. Yeah.\n\nI me. I'm 41. Why? Yeah. Absolutely.\n\nI'd. Yeah, no, I do completely understand where you're going there. I've got two children for 19 and 20, and they are currently in the process trying to save up to build a house deposit. And, like, realistically, as you're saying, with inflation and with everything going getting more expensive, it does sound to make it difficult that for them to have a mortgage in the future. They're gonna have to also rely on myself to, you know, put some of my assets up as collateral to sort of help them out.\n\nSo I do thoroughly understand where you are going with that and how you are feeling. It is making it very, very difficult for the future generations to be able to purchase a home or for people to pay off homes. I know even people my age and your age are, you know, expecting to go into retirement still having a mortgage because it is just very hard to cover the cost and reduce it. How much do you owe on at the moment? Well, if I win, I'll share it.\n\nYeah. On the offset? Yeah. Yeah. Yeah.\n\nYeah. Yep. Yeah. And interest rates probably up around that sort of six to 7% at the moment. Yeah.\n\nYep. Are you sort of hoping to be able to maybe down the track use some of your super when you retire or when you get old enough to maybe look at retiring to sort of help pay down the loan, or are you sort of just wanting to keep your super as an income stream knowing you may need to draw down more in retirement to cover the mortgage or payments if you still have the mortgage to that time frame? What have you sort of thought about the outcomes there? Yeah. Mhmm.\n\nYeah. Yep. Yeah. Wow. Yeah.\n\nOkay. Yeah. Yeah. Yeah. Yeah.\n\nWow. Yeah. Wow. Oh, wow. I mean, you're on River Street too, and that's not a bad place.\n\nLike, I know New Orleans and New South Wales quite well. I'll actually live in New South Wales and drive to the Coast every day for work. So I know Ballina quite well, but you're on River Street there. Yeah. Yeah.\n\nYeah. Okay. Yep. Yes. Oh, absolutely.\n\nWow. That's crazy. When's the last time you had your mortgage looked at by maybe a mortgage broker or a bank? Have you sort of had the the rates reassessed to see if there's a better rate out there or if they can maybe help you to pay it down faster by reassessing the loan? Okay.\n\nYep. Yep. Yeah. Yes. Yeah.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nNo. That's okay. I mean, the other thing is is that we do have mortgage brokers that we can definitely look to refer you through to. And another option might be if they look at the loan that you have and the rate that you're on and maybe reassess your circumstances, they might be able to refinance to a lower rate and also look at ways to help you pay the mortgage down faster. I know, you know, looking at things that might still be, you know, a fifteen, twenty year loan.\n\nBut if they can sort of reevaluate, get you on a lower rate, which reduces your repayments, then making more repayments can help you to reduce the loan a bit faster as well. But, yeah, it's also up to whether or not you're comfortable going through that because it is a bit of a process. You are going through responsible lending regulations and having everything looked at. But if it's something you would like to do, you're welcome to let us know. We can refer you through to a mortgage broker to assess that that is at no cost to yourself.\n\nSo yeah. Absolutely. Absolutely. That's okay. Absolutely fine.\n\nSo because we have made that switch within your super fund there, I would like to sort of just maybe do a bit of a review on your performance in the next, say, you know, three to six months just to sort of see if there's any new advice down the track to sort of look at. The other thing I wanted to sort of touch base on is the contribution side of things. So, I mean, you're in that growth environment taking a bit more risk to try and get greater potential returns now, but contributions do kinda go to helping. I know with you in between jobs and sort of with a lot of changes going on, do you have much in the way of expendable income or savings? At.\n\nYeah. That's right. Yeah. That's absolutely fine. Yeah.\n\nYou're right. Yeah. Okay. That's fine. Yep.\n\nYes. Yes. Yeah. Yeah. Yeah.\n\nNo. That's okay. Yeah. Yeah. No.\n\nThat's okay. That's completely understandable. I can keep bringing it up down the track. And when and if you decide that you are comfortable wanting to put some more into that, that's absolutely fine. What I'd like to maybe do is just keep watching things over the next week.\n\nDo you want me to do a catch up in maybe three months or six months with you to see how these changes that we've made are performing and see if there's any new advice down the track to sort of provide? Would you like that in three or six months? What would you prefer, Peter? I'm happy to coordinate with six months. Yeah.\n\nThat brings us up to February, if that's okay. Yeah. Mhmm. Yeah. Absolutely.\n\nSo they do have what's called a deductible contribution where you deposit the funds from your bank account into the super fund. Again, it does lock it away, and then we claim what's called a notice of intent against that. So say if you put $10,000 in, it goes in nonconcessionally. We put we claim the notice of intent for you. The super fund then deducts 15% tax out of that contribution, and you can take that 10,000 back to your account and and claim that as a tax deduction on the year's income.\n\nSo you absolutely can do that. You if that's something you would like to do, I'm more than happy to put maybe something in the calendar so we can touch base before the end of the financial year and look at your income and what you have available and what you might be comfortable putting in the super. I can also give you personal advice and provide an advice document that recommends doing so and the benefits, the advantages, disadvantages, and risks of doing that to make it easier on you so you can see it all. Yep. Yep.\n\nNot net you can there is a way that that can work for you if you are open to doing it. So if you were to look at doing that now and say you had ten or twenty thousand over the course of the year that you wanted to put into super, you can put it in as a lump sum. The downside of doing that is the money gets invested at one time. So if you dump $20 in tomorrow, the money gets invested, the market drops, so that is gonna reflect. What you could then also be doing is doing it on a regular basis.\n\nSo putting smaller amounts of money in on a more regular basis, doing the exact same thing. It comes out of your bank account and into the super fund. We can help you to set it up as a regular direct debit or it's a regular transfer from your bank account, or you can manually do it. Depends on your comfort level. But then not necessarily.\n\nIf we start Yes. Yeah. Yep. Yep. Put it under the loan.\n\nYeah. Yeah. Honestly, the way I sort of put that is that when if you're really good with money and you're able to put that money into the offset and have it just sitting there and you know you're not gonna use it, you're pretty good, you know, just not drawing back whenever you need to, then the offset works honestly the same way. The main difference is in the way I sort of work with a lot of my clients is if they're not great with money, if they find having large sums of money in the offset is easily accessible and they're more likely to use it, then putting it on the loan is a better scenario. It does physically reduce the loan amount, which can also be a benefit to someone who is just looking for that kind of gratitude.\n\nBut then it is harder to take back. Doing a redraw can be a little bit harder than just having a card and tapping away. So they both have the same effect of reducing the amount of interest that you pay. The main factor is do you wanna see your loan balance decreasing and putting it on the loan directly, or are you comfortable having it in the offset account and not using it all the time to make it easier? And you seem like you're pretty pretty comfortable with that, but it it kinda feels to me like having it for yourself.\n\nAnd you can correct me if I'm wrong, but having it on the loan feels like it would be a much more comfortable aspect for you. So you can physically see the loan balance dropping, which can kind of provide a little bit more, you know, gratitude. It kinda shows you that you're actually reducing the loan a lot faster, which can be the most people tend to find better. Yeah. COVID interest rates.\n\nYeah. Yeah. Understandable. But, I mean, the other side of it is putting more money into your offset account and the loan does provide a guaranteed rate of return, whereas putting it into super or investing the money, there's no guarantee on the rate of return. But if you wanted to look at doing additional contributions, we can structure it so that you are putting maybe smaller amounts in regularly so long as we can kind of and I monitor things and do catch ups with you to make sure things are working harder.\n\nBut, realistically, if you're putting enough money in and you're also getting good growth on top of that and compounding it over time, you theoretically could end up with enough, if not enough, to cover the mortgage at least close to. And if that's what you wanted to do, if you wanted to just sort of get to retirement age, take all your money out, pay your mortgage down or off completely if possible, and then go overseas and rent the property out, that could work as your retirement goal. There's nothing wrong with that in any way, shape, or form. But giving a super a boost yeah. Giving a super a boost is definitely important.\n\nAnd as much as the way I sorta super is think of it like your car. The actual super fund is the car. You're sitting in the car, but without fuel, you can't really go anywhere. The investments, the fuel, and having contributions put in there does add to it. It's like topping it up and helping it to grow and build.\n\nAnd as much as we can get, you know, a seven or a 10 or a 20% return just from investments and compound that, sometimes adding a little bit of extra money in also provides a greater benefit. It helps to boost and replenish and build on your super a lot quicker as well. So there is that consideration to you're at. Sorry. That's that's alright.\n\nYou're fine, honestly. The current concessional rate, so this is thinking like employer contributions or contributions where you've claimed a notice intent. This year, financial year, it's 32,500. However, they also have what's called the carry forward, which means if you've not put in up the cap over the last five years and your super balance is under 500,000 as at June 30 last year so at thirtieth of June this year, then you can also probably use catch up contributions from the last five years, and your ATO account would give you that level. So you could theoretically be putting in, you know, 50, 50, a 100,000 depending on what your carry forward limit is, depending on what you're comfortable with as well.\n\nThey also have non concessional contributions, which at the moment, you can put up to a 130,000 in this financial year, and that's after tax free component within your super funds. So there is a pretty good limit of contributions that can be made. It just depends upon what you're comfortable with. And sometimes starting smaller is a comfort level for most people, especially when they do have a mortgage because most people wanna pay the mortgage down as quickly as possible. The banks make quite a bit of money off our mortgages.\n\nMhmm. Yeah. Yeah. Yeah. Yeah.\n\nThat's okay. When what age? I mean, theoretically, under the current legislation, if you get to the age of 60 and you decide you wanna then officially stop work, retire for all intensive purposes, and access that money, you can draw the whole amount of your super out and put it onto your mortgage if that's what you wanna do. Alternatively no. So the age of 60 is the first preservation age.\n\nIf you fully retire at 60, you can access your funds a 100% tax free and take it all out. Alternatively, if you wait to age 65, they will make you'll have access to your funds regardless of whether you're working or not. And age 67, if you're eligible for, is the age you're able to apply for the age pension through Centrelink or Services Australia. So that's how that works at the moment. Yeah.\n\nYeah. Correct. So at 60, if you ring me at 60 and go, hey. I'm gonna retire. I'm gonna stop working.\n\nI wanna take all my money out. We can a 100% do that. It doesn't matter how much you have in there. Same thing at 65. At 65, if regardless, if you're still working at 65 and you say you wanna take all of it out, you absolutely can.\n\nThe caveat is between 60 to 65, you have to fully retire with the intention of not going back to work or reduce your hours to below ten hours per week. At 65, it doesn't matter whether you're working or not, but they don't care how much you have in there. If you meet those conditions, you can take it all out, and it gets all tax free. I mean, if there's there's contributions going in, going in, I would probably please not tell me because I'm on a recorded line. If you ring me, you just tell me you're retired.\n\nYep. Oh, that's fine. Yeah. Yeah. Absolutely.\n\nThere's no there's no rule that says you have to stay retired. If you decide to stop working here in Australia and you are over 60 and you want to take all your money out, out, you do whatever you wanna do with it, if you then go back to work, that's fine. There's no caveat saying you can never go back to work again. It's just the intention to not go back to work. It's the intention of retirement.\n\nBut people retire and get bored and go back to work a week later. It's no problem at all. Yeah. Yeah. Yeah.\n\nYes. Yep. Yeah. Yep. Yep.\n\nYeah. Oh, wow. Yeah. Oh, daze. Gotta pass both sides of it.\n\nYeah. That would be difficult. You yeah. Right. Yeah.\n\nRight. Yeah. Right. And it's the Hong Kong mafia. Wow.\n\nThat's crazy. Yeah. Well, there'd be more severe punishment, wouldn't it? I've never. No.\n\nNo. That's cool. So he's he's across it all. He knows where to go, what to do. Yeah.\n\nWow. Yeah. Wow. Yeah. No.\n\nAbsolutely not. Definitely not. Wow. That's insane. Jeez.\n\nAlright. All good. Well, what we'll do moving forward is with your super, I'll keep things as they are for the moment, and we'll do a catch up in six months if you're comfortable with that. In the meantime, I'll keep looking at things, sort of seeing how it's growing, what's happening. We'll do a catch up in February to see what's happening work wise, where you earn money, what kind of changes you've got, and whether we maybe update advice and consider making more contributions moving forward.\n\nDoes that sound okay with you? Yep. Beautiful. We'll let those changes sort of sit and play, and I'll see how things go. If I look at things because I do look at your super, you know, every so often and see what's happening and, you know, see what the balance is doing and what the returns look like and if something needs to be updated or changed.\n\nSo if I do sort of look at that and I find there is maybe a need to make some changes, I'll definitely make contact with you and let you know in the meantime. Does that sound okay with you, Peter? Yep. Beautiful. That's okay.\n\nI wanna make sure. Look. You know, not everyone feels the same way about super, but you're our client. So I wanna make sure that, you know, your super is working as hard as it possibly can for you. You've worked your butt off for years, so your money should just be working as hard as it can for you.\n\nSo we'll make sure things are working as hard as they can. You are kind of in that growth environment. Now one of the things I sort of also wanted to look at was just the risk profiling. So in your super, the you're in more of a growth environment, which generally sees about 80% of your super invest in growth assets. So think about Australian and international shares, listed property, and commodities like gold and silver, and then the other 20% in defensive low risk investments like cash, bonds, and fixed interest.\n\nThis sort of a portfolio, you're wanting to sort of average around about a seven to 9% on a yearly basis compounding that over time. And we know with market ups and downs, there is the risk of a negative year, and we expect that around about one in every five years. This sort of portfolio happily suits someone who's not gonna access their funds for around about six years. If you were definitely closer to retirement than you are, I would be saying, let's pull that back a little bit. And looking at where you are now, just double checking, you're 54 this year next month.\n\nIs that right? Yep. What is the likelihood of you wanting to withdraw those funds at the age of 60, or do you think you're gonna wanna probably try and keep it growing a little bit longer? What do you think the likelihood is of that? Yeah.\n\nSo you'll probably sell the house as well? Yep. Okay. That's alright. Yep.\n\nYeah. No. That's okay. Understandable. Yeah.\n\nSo do you think you'd be wanting to sort of use your super to pay down the mortgage prior to selling the house or to sell that, let the proceeds pay off the rest of the mortgage if there's one owing, and then add the additional proceeds to your super and maybe take that overseas and live off that money? Does that sound like what you not sure? That's okay. We got some things to definitely think about over the next six months, and I'll I'll definitely sort of check-in and ask more about that when we catch up in February just to sort of see where your plans and goals might be going. One of the things you'll probably notice about me is I ask all the questions you've probably never thought about.\n\nSo at least it'll kinda give you an idea of thinking about what you're after, where you wanna head towards, and what you maybe wanna do when you do get to those ages of retirement. Does that make sense? Yeah. I just wanted to so I'm gonna work on 60 as a bit of a baseline, which realistically, at the moment, gives us seven years. It's as of next month, we'll have about six years there.\n\nHave you ever owned shares of cryptocurrency or investments in your own name before? No. That's okay. With market ups and downs, like, we've sort of seen a lot of those at the moment, how might you be feeling if your super took a bit more of a a dive, say, dropped by 20% in the next one or two years? Do you think you'd be maybe taking it as an investment opportunity, putting money into the market?\n\nAre you feeling like you'd be calling us and having a chat about what to do, or are you feeling very nervous about the market ups and downs and wanting to sell the investment maybe to cash? How do you think you might react in that instance? Yep. No. Do you think you might like yeah.\n\nYou're Do you think you might be willing to maybe call us and have a chat about what's going, seeing what we can do advice wise, and, you know, try to look at what options you have moving forward? Does that sound like something that you might be open to doing, or do you think you'd just be more concerned about it? Yep. Yep. That's okay.\n\nI've noted here that we're looking to try and get the best return we possibly can. And in the past, you've mentioned that you've sort of seen your sleep and not doing so well. If you thought whenever you see your super full, how do you think you're feeling about that? Are you optimistic about the investment opportunities? A bit cautious, concerned, or anxious?\n\nHow do you sort of feel or do you think you feel when you see you're super full? Anxious? Yep. It is. Yeah.\n\nAbsolutely. Yeah. Yep. I think one of the things to point out is that whilst there are dividends that are being paid, they are compounding in. It's also the growth, and that's one of the biggest things.\n\nThat's why we talk a lot about the risk factor is the growth that you see. The growth in the portfolio is the change in the investment prices. So as an example, if you held, say, CBA and it was worth $50 a day, tomorrow it might be worth a $100 a share. The next day, it might only be worth $20 per share. And that's not necessarily a reflection of the what the company is worth.\n\nIt's more just a reflection of what people are willing to pay for that. And markets go up and down for a myriad of reasons. Essentially, it could just be that people are at the end of the financial year trying to take profits out of their investments at tax time. In December, we tend to see a lot of those sorts of sell offs because, you know, The US tax year has finished up, so sometimes we see that. Our financial year, we see the same thing.\n\nWe tend to see markets take a little bit of a dip around about the end of June where people might be selling off for profits. It might also just be like we saw in April this year. The markets are going up and down because Trump sort of said something, traded something, or made a decision, and that sort of scared investors off. And a lot of investors are older, so they are sort of looking at their funds going, oh, no. What's this gonna mean?\n\nI need to sell out now to cash before somebody else does to keep my returns. And that sort of thing starts a bit of a sell off. Other people see it getting red and going down, and they continue to do the same thing. So 90% of market reactions is just human beings buying and selling. My job is to keep you from trying to make those sorts of decisions.\n\nIt's to tell you that it's okay. And when we're looking at those sorts of things, like, no one likes to see the balance go down, but we wanna make sure you're in a portfolio that if you saw that 20% dip this year or next year, that you're not gonna make a decision to sell out of the portfolio, that you're able to sit and wait and let that portfolio come back. One of the biggest things that we make sure that we do is that we never recommend anything that is only been around for a short time. All the investments that you're invested in have been around for a long period of time. They've seen, like, the GFC style events.\n\nThey've been through COVID. Those investments have withstood those downtimes and then come back and recovered as as the downtimes have kind of come back out as people have been more confident in the market. So it's one of the important things. And when we talk about risk, it's about making sure that you're in those portfolio, that you're comfortable with the ups and downs. And when you're not, that we maybe pull back that risk level.\n\nHowever, taking less risk in the market may means that we are also expecting lower rates of return. So it's kind of a juggling act. Are you wanting to are you comfortable taking on a bit more risk now knowing that you're gonna there is the risk of a downtime, but you're not gonna access the money in that downtime? You've got you've got time on your side to wade through that and wait for your portfolio to recover prior to taking any money out or prior to taking large lump sums. Does that make sense?\n\nDoes that clarify? Yeah. So risk isn't always a bad thing. You want good returns to take a little bit more risk to do so, but it's gotta be within a certain comfort level for you as well. So I'd be happy to keep you in this sort of environment.\n\nYou've scored as a growth investor, so that's okay probably for this year. But then maybe we look at it in February and look at maybe adjusting the risk level a little bit if you are, you know, wanting to realistically think about selling out and and taking the funds at 60. Does that make sense? Do you have more questions? Did you want me to clarify anything for you?\n\nNo? Wow. That would have been a long time ago. Wow. Yeah.\n\nYeah. Wow. Yeah. Yeah. Yeah.\n\nLet me have a quick look for you. Wow. And yeah. So that's a bit of an inheritance down the track for you as well someday. Yeah.\n\nOh, that's the same. Yeah. Yeah. Wow. How progressed is it?\n\nYeah. Yeah. Yeah. Balon is not a bad place to be. Yeah.\n\nYes. Yes. Yeah. I understand that. Yeah.\n\nSo I was born, yeah, I was born in Murwillumbah, and I lived in Murwillumbah and now live at Tweed Heads, Sonora Point. Yeah. Yep. Yeah. Wow.\n\nYep. Yeah. Wow. Yeah. Nice.\n\nNice. Yep. Yep. It's a little bit further up than Byron, so it's about, say, half an hour north of Byron, and then about an hour away from Ballina. North.\n\nYeah. It is. Yeah. Yep. Yep.\n\nI think what you're thinking was Mullumbimby, which is closer to Byron. Yeah. No. That's okay. Yeah.\n\nWell, see, you live in the right place for that. You've got Byron, Lennox, Ballina. Oh, the headlands there are great for surfing. Yeah. Yeah.\n\nYeah. Yeah. Absolutely. Absolutely. So with your role at the moment, with the deliveries for Australia Post, are you employed by Australia Post, or are you more subcontracting?\n\nHow does that sort of work? Yeah. Right. Yeah. Wow.\n\nYeah. Wow. Yeah. Okay. Right.\n\nYep. Yep. So this is the pay Sorry. You're right. Okay.\n\nYes. Yay. I could only imagine the amount of gets that has to be delivered around Christmas time. Yeah. Yes.\n\nOh, absolutely. Yes. Yep. Absolutely. Absolutely.\n\nI remember when I used to work in Bellona, I used to drive through Bellona every day for work from Tweed, and I hated the weekend of Blues Festival because the m one was clogged with the amount of people trying to get into Byron that weekend. That is insane. Yeah. Yeah. Yep.\n\nYeah. Wow. Yeah. Yep. Yep.\n\nWow. Alright. That's okay. That's absolutely fine. Beautiful.\n\nSo that's all working. What sort of hours are you working at the moment? You sort of said you start early and finish a bit earlier. Are you sort of working full time hours, you know, thirty eight hour weeks or more, or what's the average hours you would be doing? Yep.\n\nOkay. So it sort of depends. Yes. Okay. Beautiful.\n\nYep. Yep. Yeah. And I guess it's how Yep. You're right.\n\nWow. Well, hopefully, you find a business to purchase soon, something that, you know, you're happy doing and oh, you're right. Okay. Yeah. Yeah.\n\nYeah. K. Oh, go. We'll have That's all good. I just wanted to update a few additional things for you.\n\nNow the other thing I sort of wanted to pull up was that you don't have any life, TPD, income protection, or trauma insurances. You're comfortable with that position not having any personal insurance cover? No. That's okay. Not a problem at all.\n\nNo. No. That's okay. All good. I've got your assets here.\n\nYour house at the moment. Last valuation was about 400,000. Would you change or alter that valuation at the moment or keep it the same? Okay. About $4.80.\n\nPerfect. Let's update that for you. I also have your G six E turbo, rough valuation 50,000. Would you keep it about the same or alter that value? Yep.\n\nAwesome. I've got an old Ford Coupe as well at 65,000 of value. Would you keep that the same, Alter It? Beautiful. And then we've got a Ford Ute evaluation there of 18,000.\n\nWould you alter or change that in any way, shape, or form? Yep. That's okay. Not a problem at all. And then I've also got a Nissan truck here with a valuation of 20,000.\n\nWould you alter or change that one? Yep. That's alright. Is there any other assets, liabilities, or anything else that we would need to note down for the change of circumstances at all? No.\n\nThat's okay. All good. I've also got it noted here that we don't have a beneficiary nomination on file for you at the moment. So given your current circumstances, if you were to, say, pass away now, not having a beneficiary means that your super has no direction on where you would want that money to be paid to. Have you sort of thought about what would happen to your super if you were to pass away, where you want that to go.\n\nYep. Yep. So I've got down here with regard to the will. So as with super, there's rules around everything. We can't nominate your mom directly as a beneficiary, but have you got a will?\n\nIt looks like there was yep. So what? Okay. Yeah. You're right.\n\nYep. That's okay. So with the beneficiary nomination not being on file, in order for it to sort of go to your to your mom or your brother, it does need to be directed through your, through to your will. There is a way we can nominate a beneficiary on file where we pick the legal personal representative, which just means if you were to pass away, your super balance would then be paid direct to your estate. And then as long as your will is valid, it would be directed out as per your will.\n\nIs that kind of what you would want to happen to your super? Yep. Are you I can organize the beneficiary forms to be pre filled if you're comfortable with us picking that LPR. Did you want me to pre fill that, tick the box for you? Yep.\n\nBeautiful. We'll get it sent out with some direction. You just need to sign and return it back and have a couple of people witness it. So two people over the 18, if they can just witness you signing it, then send it back to us so we can have it, attached for you. Now there are three types of nominations you can have for a beneficiary.\n\nThe first one is nonbinding, where the trustee you make the the nomination. The trustee, if you pass away, decides whether they're gonna you know, whether it's followable. It's just you know, they get to decide. They have a a binding which means that you have to update the nomination every three years, or we can do a binding non lapsing. So you fill it out now.\n\nWe have it applied, and you never have to refill that format again unless you wanna change or update that nomination. Do you have a preference on which one you'd wanna go with? Yeah. Beautiful. Let's fill it out once and once only.\n\nHey. Lovely. I can get that nomination pre filled and ticked if you're comfortable with me doing so. Are you happy with me pre filling those details in your beneficiary? Beautiful.\n\nMy team can email it or post it out to you or both. What would you prefer? Post, email, both? It has to be web signed, so with a a pen and paper. Yep.\n\nYep. Beautiful. That's okay. We can get out to you and follow it up to make sure it is all applied there. On the and your review packet that I did email through, it has the information around your portfolio, how it's performed, your updated super balance there as well.\n\nIt's also got the financial services guide, which has all of my information as a licensed adviser. If you wanna have a look in that, sort of lovely photo of me as well. It just outlines everything about who we are, what we do, and how we do it. It is a legal document. I always tell people, if you have trouble sleeping one night without the FSG and not get cold in a few seconds, they are generally that boring.\n\nBut it does outline everything about who we are, what we do, the services we provide there. And then it's also got your ongoing service agreement for the next twelve months. So with your balance, we've actually updated our fee structure. So once your super balance goes over the $200,000 threshold, you'll move into the lower tier. So as your balance increases over time, the the amount you pay as a percentage for our services does kinda decrease as you drop to the threshold.\n\nBecause you're on your balance is under 200,000 at the moment, you're still on 1.65%. The main thing is our our tiered structure or our fee used to just be the 1.65% entered. We have now worked it out to be a set dollar figure fee for you, and that means that the way it used to work is when the balance went up and down, the fee would also go up and down with it, but it meant that if your balance kept increasing, our fee kept on increasing with it. The way we will work it out now is that we work out the 1.65 based on your current balance. We add a 5% return to it, and then we work out the set dollar figure fee.\n\nAnd that basically gives you more certainty around how much you pay for our services for the year, and the fee doesn't go over that amount. So if you get a 20 return on your super, you don't your fee doesn't go up anymore over that dollar figure fee for the rest of the year. Does that make sense? Yeah. The idea is it gives you a lot more certainty there.\n\nAnd as we build your super balance up over those thresholds, the tiers do get cheaper and cheaper for you. So we wanna make sure that we're looking after and being open with everything. But the ongoing service agreement is in there for you. We've worked out for our fees for this year. It is $2,175.22.\n\nYou will not pay anything more than that for our services. It's just deducted out of your super in smaller monthly increments, and we'll keep reviewing that moving forward. I would like to make sure that your super grows and makes more than that over the next year to make it worthwhile. If at any point I feel like our services are not you're not getting the value out of our services, then I'll turn that fee off. But for now, I wanna make sure we're working on things and do a catch up with you and look at providing some advice down the track to help you along.\n\nDoes that sound okay? Do you have any questions? Beautiful. Well, if you're do so, I'll get you to sign and return those documents back to me as soon as you possibly can. Other than that, I'll get the beneficiary nomination sorted for you, and I've got you down to do a catch up in February, and we'll look at how things are tracking then for you.\n\nOkay? Excellent. Awesome. Yeah. Absolutely.\n\nAfter three. Yep. No. That's absolutely fine. I can do that.\n\nThat's not a problem at all. I'll make sure that that note's in there for you now. Yeah. That's okay. I'm pretty persistent.\n\nIt's not a problem. All good. Oh, look. Honestly, I actually do work until 06:00 most nights, and one one day a week, I work until seven. So, yeah, I'd like to make sure that I am available because, you know, we all work hard and long hours sometimes, and life gets busy.\n\nSo having me work back that late does mean that I can take reviews and be there for you later in the afternoon if it suits if you need me to be. So that's fine. Excellent. All good. Well, feel free to have a look through the documents there.\n\nWendy, I'm happy to do so. I'll get you to press the sign button or turn those back. And if you have any questions, please let me know. Okay? No worries.\n\nYou have a good afternoon. I'll let you go to call your mom. You have a great one. Thanks for your time, Peter. Appreciate it.\n\nThanks. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Peter.","start":3.6799998,"end":4.24,"sentiment":"neutral","sentiment_score":0.13125602900981903},{"text":"This is Dana from OQ Financial.","start":4.24,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.1716672678788503},{"text":"How are you this afternoon?","start":5.92,"end":7.06,"sentiment":"neutral","sentiment_score":0.21215771734714509},{"text":"Oh, that's a good thing.","start":10.32,"end":11.62,"sentiment":"positive","sentiment_score":0.6476716041564942},{"text":"Excellent.","start":11.679999,"end":12.179999,"sentiment":"positive","sentiment_score":0.6911286115646362}],"sentiment":"neutral","sentiment_score":0.3306732044408196,"num_words":19,"start":3.6799998,"end":12.179999},{"sentences":[{"text":"I had your full due to go through your annual review today.","start":12.4,"end":14.559999,"sentiment":"positive","sentiment_score":0.41806771357854206},{"text":"Is now still a good time there for you?","start":14.559999,"end":18.005001,"sentiment":"neutral","sentiment_score":0.11919014155864716},{"text":"Yeah.","start":19.145,"end":19.465,"sentiment":"neutral","sentiment_score":0.0887456014752388},{"text":"Had you booked in to go through your annual review.","start":19.465,"end":21.465,"sentiment":"neutral","sentiment_score":0.08738102167844772},{"text":"Is now still a good time there for you?","start":21.465,"end":23.485,"sentiment":"neutral","sentiment_score":0.16606595367193222}],"sentiment":"neutral","sentiment_score":0.208455444836035,"num_words":41,"start":12.4,"end":23.485},{"sentences":[{"text":"Fantastic.","start":24.904999,"end":25.404999,"sentiment":"positive","sentiment_score":0.5030884146690369},{"text":"Peter, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":26.185,"end":30.9,"sentiment":"neutral","sentiment_score":0.26291547309268604},{"text":"Are you happy for us to proceed with that?","start":30.9,"end":33.0,"sentiment":"neutral","sentiment_score":0.2706952045361201},{"text":"Fantastic.","start":34.34,"end":34.84,"sentiment":"positive","sentiment_score":0.3866557478904724},{"text":"And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":35.3,"end":41.32,"sentiment":"neutral","sentiment_score":0.17933072795470556}],"sentiment":"neutral","sentiment_score":0.23000100396928333,"num_words":63,"start":24.904999,"end":41.32},{"sentences":[{"text":"Mhmm.","start":50.465,"end":50.965,"sentiment":"neutral","sentiment_score":-0.006828740239143372},{"text":"No.","start":54.864998,"end":55.265,"sentiment":"neutral","sentiment_score":-0.052444979548454285},{"text":"I have a different address.","start":55.265,"end":56.64,"sentiment":"neutral","sentiment_score":-0.048909742385149},{"text":"Yeah.","start":59.84,"end":60.32,"sentiment":"neutral","sentiment_score":-0.0032835553865879774},{"text":"Ballina?","start":60.32,"end":60.82,"sentiment":"neutral","sentiment_score":-0.001097548520192504}],"sentiment":"neutral","sentiment_score":-0.03424483729112479,"num_words":9,"start":50.465,"end":60.82},{"sentences":[{"text":"That that's okay.","start":64.0,"end":64.8,"sentiment":"neutral","sentiment_score":0.041453817238410316},{"text":"So Ballina, The River Street is your new address.","start":64.8,"end":67.14,"sentiment":"neutral","sentiment_score":0.044028934091329575},{"text":"Yep.","start":67.2,"end":67.7,"sentiment":"neutral","sentiment_score":0.10441925376653673},{"text":"Fantastic.","start":69.119995,"end":69.619995,"sentiment":"neutral","sentiment_score":0.3137626647949219},{"text":"Peter, when we go through your annual review, we normally do send through some documents via email for you to be able to review as well.","start":70.545,"end":75.985,"sentiment":"neutral","sentiment_score":0.1406207296710748}],"sentiment":"neutral","sentiment_score":0.11487356871366501,"num_words":40,"start":64.0,"end":75.985},{"sentences":[{"text":"Are you able to log in to your emails?","start":75.985,"end":77.985,"sentiment":"neutral","sentiment_score":0.04360605403780937},{"text":"If you can't, that's honestly fine.","start":77.985,"end":79.765,"sentiment":"neutral","sentiment_score":0.009204257434854904},{"text":"Yeah.","start":81.745,"end":82.145004,"sentiment":"neutral","sentiment_score":0.17788779735565186},{"text":"Fantastic.","start":82.145004,"end":82.645004,"sentiment":"positive","sentiment_score":0.4093102216720581},{"text":"I'm just gonna send these through to you.","start":82.865,"end":84.740005,"sentiment":"neutral","sentiment_score":0.26792605221271515}],"sentiment":"neutral","sentiment_score":0.1271314587071538,"num_words":25,"start":75.985,"end":84.740005},{"sentences":[{"text":"That should come through hopefully fairly quickly as if technology locks us today.","start":84.740005,"end":90.04,"sentiment":"neutral","sentiment_score":0.20810940403204697},{"text":"There we go.","start":92.9,"end":93.46,"sentiment":"neutral","sentiment_score":0.09743004788955052},{"text":"It's told me it's sent successfully.","start":93.46,"end":95.240005,"sentiment":"neutral","sentiment_score":0.17944724361101785},{"text":"Just let me know if they come through.","start":95.78,"end":97.32,"sentiment":"neutral","sentiment_score":0.11849772371351719},{"text":"If they don't come through to your inbox fairly shortly, just also double check your junk mail.","start":97.62,"end":102.085,"sentiment":"neutral","sentiment_score":0.014642138034105301}],"sentiment":"neutral","sentiment_score":0.11215519136253824,"num_words":47,"start":84.740005,"end":102.085},{"sentences":[{"text":"Sometimes we get directed through to your junk.","start":102.085,"end":104.505,"sentiment":"neutral","sentiment_score":-0.08411249378696084},{"text":"That happens.","start":104.965,"end":105.705,"sentiment":"neutral","sentiment_score":-0.04025437869131565},{"text":"Yeah.","start":106.805,"end":107.205,"sentiment":"neutral","sentiment_score":0.03191416710615158},{"text":"That's the one.","start":107.205,"end":108.005,"sentiment":"neutral","sentiment_score":0.10059858113527298},{"text":"Fantastic.","start":108.005,"end":108.505,"sentiment":"positive","sentiment_score":0.3774116635322571}],"sentiment":"neutral","sentiment_score":-0.0028191422422726947,"num_words":15,"start":102.085,"end":108.505},{"sentences":[{"text":"Excellent.","start":110.085,"end":110.585,"sentiment":"neutral","sentiment_score":0.28843480348587036},{"text":"And are you working today, or did you get today off?","start":111.604996,"end":114.170006,"sentiment":"neutral","sentiment_score":0.07343153757127849},{"text":"Oh, fantastic.","start":116.630005,"end":117.61,"sentiment":"neutral","sentiment_score":0.2278965264558792},{"text":"Fantastic.","start":119.350006,"end":119.850006,"sentiment":"neutral","sentiment_score":0.2845779061317444},{"text":"Yeah.","start":122.950005,"end":123.450005,"sentiment":"neutral","sentiment_score":0.02382710948586464}],"sentiment":"neutral","sentiment_score":0.11627373658120632,"num_words":16,"start":110.085,"end":123.450005},{"sentences":[{"text":"So you basically because you're you're doing a milk run.","start":123.75,"end":126.615,"sentiment":"neutral","sentiment_score":-0.01580936498939991},{"text":"Is that right?","start":126.615,"end":127.015,"sentiment":"neutral","sentiment_score":-0.003768477744112412},{"text":"You're self employed?","start":127.015,"end":128.475,"sentiment":"neutral","sentiment_score":-0.01497844203064839},{"text":"Okay.","start":132.775,"end":132.935,"sentiment":"neutral","sentiment_score":-0.04884215071797371},{"text":"What is okay.","start":132.935,"end":138.955,"sentiment":"neutral","sentiment_score":-0.2599462221066157}],"sentiment":"neutral","sentiment_score":-0.05215076131280512,"num_words":20,"start":123.75,"end":138.955},{"sentences":[{"text":"Yeah.","start":140.76,"end":141.26,"sentiment":"neutral","sentiment_score":-0.13626757264137268},{"text":"No.","start":141.87999,"end":142.37999,"sentiment":"neutral","sentiment_score":-0.2396802306175232},{"text":"Understandable.","start":142.51999,"end":143.01999,"sentiment":"neutral","sentiment_score":-0.2659270167350769},{"text":"I had someone a friend a few years ago try to do something very similar to that, and he said it wasn't very viable as an income stream, especially when you're looking after a family, unfortunately.","start":143.72,"end":153.42,"sentiment":"negative","sentiment_score":-0.3334010901550452},{"text":"Yeah.","start":161.095,"end":161.595,"sentiment":"neutral","sentiment_score":0.016954779624938965}],"sentiment":"neutral","sentiment_score":-0.31568398214876653,"num_words":40,"start":140.76,"end":161.595},{"sentences":[{"text":"That's all good.","start":162.135,"end":163.355,"sentiment":"neutral","sentiment_score":0.19076749930779138},{"text":"They generally say that you should have no less than sort of 250 to 300,000, but it also depends on what you're sort of wanting to do.","start":169.28,"end":176.88,"sentiment":"neutral","sentiment_score":-0.03142802517309233},{"text":"So with the South Bend Superfund years ago, they most people didn't have them, so they could hold real property, like, purchase a and hold that within the fund there.","start":176.88,"end":185.755,"sentiment":"neutral","sentiment_score":-0.049215837568044665},{"text":"Unfortunately, in recent weeks, as of the August 10 this year, there has been a caveat that we're no longer able to borrow inside like, borrow from a lender inside of South Superfund to hold residential property.","start":186.535,"end":201.04,"sentiment":"negative","sentiment_score":-0.4388209081984855},{"text":"You're only able to do so for commercial property.","start":201.04,"end":203.54,"sentiment":"neutral","sentiment_score":-0.3222414453824361}],"sentiment":"neutral","sentiment_score":-0.19706864076016364,"num_words":106,"start":162.135,"end":203.54},{"sentences":[{"text":"What's the main sort of reason around you wanting to look at this the SMSF side of things?","start":204.23999,"end":208.48,"sentiment":"neutral","sentiment_score":-0.11316618074973424},{"text":"What what's your thinking?","start":208.48,"end":209.86,"sentiment":"neutral","sentiment_score":-0.15028156898915768},{"text":"Yeah.","start":222.655,"end":223.155,"sentiment":"neutral","sentiment_score":-0.0845445841550827},{"text":"That I guess that's a great great way of thinking.","start":223.375,"end":226.25499,"sentiment":"neutral","sentiment_score":-0.03706843331456185},{"text":"Unfortunately, because it's your own personal mortgage, it goes against the rules around the self managed super fund.","start":226.25499,"end":232.61,"sentiment":"negative","sentiment_score":-0.6225200262334611}],"sentiment":"neutral","sentiment_score":-0.28036680233244804,"num_words":51,"start":204.23999,"end":232.61},{"sentences":[{"text":"So in in an SMSF, other rules around an investment needs to be it's at an arm's length transaction.","start":232.61,"end":238.39,"sentiment":"negative","sentiment_score":-0.3486460196344476},{"text":"So it means to be it it needs yeah.","start":238.53,"end":243.875,"sentiment":"neutral","sentiment_score":-0.08127649625142415},{"text":"Yep.","start":244.73499,"end":245.23499,"sentiment":"neutral","sentiment_score":-0.1951436698436737},{"text":"I Yeah.","start":245.855,"end":247.95499,"sentiment":"negative","sentiment_score":-0.518908679485321},{"text":"I know.","start":248.25499,"end":248.89499,"sentiment":"negative","sentiment_score":-0.35323871672153473}],"sentiment":"neutral","sentiment_score":-0.28167276671438507,"num_words":33,"start":232.61,"end":248.89499},{"sentences":[{"text":"I Yeah.","start":248.89499,"end":251.47499,"sentiment":"negative","sentiment_score":-0.39537008106708527},{"text":"Yeah.","start":254.25499,"end":254.64,"sentiment":"neutral","sentiment_score":-0.1098892092704773},{"text":"Yeah.","start":255.92,"end":256.41998,"sentiment":"neutral","sentiment_score":-0.11990147829055786},{"text":"No.","start":256.64,"end":257.04,"sentiment":"negative","sentiment_score":-0.45601627230644226},{"text":"Completely understandable.","start":257.04,"end":258.18,"sentiment":"negative","sentiment_score":-0.5482482016086578}],"sentiment":"negative","sentiment_score":-0.36757764645985197,"num_words":7,"start":248.89499,"end":258.18},{"sentences":[{"text":"It it does sort of defeat the purpose of sort of having it, and it it isn't a great rule.","start":258.24,"end":263.2,"sentiment":"negative","sentiment_score":-0.587451659142971},{"text":"I get fully get that.","start":263.2,"end":264.58,"sentiment":"neutral","sentiment_score":-0.18170204758644104},{"text":"The main sort of the caveat there is that super step for a sole purpose reason of providing for your retirement.","start":264.72,"end":270.935,"sentiment":"neutral","sentiment_score":-0.005938167550734111},{"text":"So they have these rules around that.","start":270.935,"end":272.69498,"sentiment":"neutral","sentiment_score":-0.0382075591811112},{"text":"But yeah.","start":272.69498,"end":275.41498,"sentiment":"neutral","sentiment_score":0.005915321409702301}],"sentiment":"neutral","sentiment_score":-0.237052131105553,"num_words":55,"start":258.24,"end":275.41498},{"sentences":[{"text":"Yeah.","start":275.41498,"end":275.655,"sentiment":"neutral","sentiment_score":0.04390335828065872},{"text":"The main the main sort of purpose is it's meant to be super is meant to be providing an income stream in retirement or to sort of help you alleviate utilizing the, the public system.","start":275.655,"end":285.35,"sentiment":"neutral","sentiment_score":0.10840966392840658},{"text":"Whereas having a mortgage technically puts a roof over your head, but it doesn't provide for income there.","start":285.57,"end":291.09,"sentiment":"neutral","sentiment_score":-0.10184160030136506},{"text":"So I can understand both both sides.","start":291.09,"end":293.66998,"sentiment":"neutral","sentiment_score":-0.040200007281133106},{"text":"Mhmm.","start":295.65,"end":295.995,"sentiment":"neutral","sentiment_score":-0.015580860897898674}],"sentiment":"neutral","sentiment_score":0.027550191588459477,"num_words":62,"start":275.41498,"end":295.995},{"sentences":[{"text":"Yeah.","start":296.955,"end":297.455,"sentiment":"neutral","sentiment_score":0.047241292893886566},{"text":"Oh, absolutely.","start":299.51498,"end":300.655,"sentiment":"neutral","sentiment_score":0.023646676912903786},{"text":"Yeah.","start":301.435,"end":301.755,"sentiment":"neutral","sentiment_score":0.0284880418330431},{"text":"Yeah.","start":301.755,"end":302.255,"sentiment":"neutral","sentiment_score":0.027737639844417572},{"text":"That's your goal.","start":302.79498,"end":304.01498,"sentiment":"neutral","sentiment_score":-0.08213287716110547}],"sentiment":"neutral","sentiment_score":-0.011954787885770202,"num_words":8,"start":296.955,"end":304.01498},{"sentences":[{"text":"Yeah.","start":305.435,"end":305.935,"sentiment":"neutral","sentiment_score":-0.18678122758865356},{"text":"Well, I definitely would like to not see that happen.","start":311.15002,"end":314.05002,"sentiment":"negative","sentiment_score":-0.4624186813831329},{"text":"That's, yeah, that is definitely something yeah.","start":320.83002,"end":325.025,"sentiment":"negative","sentiment_score":-0.34907509492976324},{"text":"And, look, that is definitely something I wanted to talk to you about because, realistically, kind of given past data, at your agent stage, realistically, we should see about 250,000 sitting in through for that.","start":325.025,"end":337.37,"sentiment":"neutral","sentiment_score":0.01651243753731251},{"text":"So because your balance is what it is at the moment, I'm just having a quick look at the documents I have here.","start":337.75,"end":342.71,"sentiment":"neutral","sentiment_score":-0.02707011738549108}],"sentiment":"neutral","sentiment_score":-0.09604172489458793,"num_words":76,"start":305.435,"end":342.71},{"sentences":[{"text":"So balance as of today oh, sorry.","start":342.71,"end":347.51,"sentiment":"neutral","sentiment_score":-0.1088634484580585},{"text":"I'm looking at the wrong document.","start":347.51,"end":349.125,"sentiment":"neutral","sentiment_score":-0.3288153409957886},{"text":"Doesn't wanna work for me.","start":353.105,"end":354.225,"sentiment":"neutral","sentiment_score":-0.3281156331300735},{"text":"That's okay.","start":354.225,"end":354.965,"sentiment":"neutral","sentiment_score":0.01892617717385292},{"text":"So sitting in super at the moment, your balance is a little over that 100 and where are we?","start":355.265,"end":359.905,"sentiment":"neutral","sentiment_score":0.011548429531486411}],"sentiment":"neutral","sentiment_score":-0.10559594449706566,"num_words":39,"start":342.71,"end":359.905},{"sentences":[{"text":"Up to 125,847 at the moment.","start":359.905,"end":365.07,"sentiment":"neutral","sentiment_score":0.007485784279803435},{"text":"So it is yeah.","start":365.13,"end":368.51,"sentiment":"neutral","sentiment_score":-0.003910104278475045},{"text":"Yeah.","start":374.09,"end":374.33002,"sentiment":"neutral","sentiment_score":-0.07784469425678253},{"text":"I'm just having a look at the advice document for you.","start":374.33002,"end":377.255,"sentiment":"neutral","sentiment_score":-0.17532158846204932},{"text":"It's understandable.","start":385.07498,"end":385.82498,"sentiment":"negative","sentiment_score":-0.41575586795806885}],"sentiment":"neutral","sentiment_score":-0.11702581727877259,"num_words":24,"start":359.905,"end":385.82498},{"sentences":[{"text":"Yeah.","start":410.585,"end":411.085,"sentiment":"neutral","sentiment_score":-0.06351730227470398},{"text":"Yeah.","start":413.54498,"end":414.025,"sentiment":"neutral","sentiment_score":-0.06641456484794617},{"text":"No.","start":414.025,"end":414.525,"sentiment":"neutral","sentiment_score":-0.21003422141075137},{"text":"Yeah.","start":414.905,"end":415.23,"sentiment":"neutral","sentiment_score":-0.14191024005413055},{"text":"And, I mean, we have yeah.","start":415.63,"end":420.69,"sentiment":"neutral","sentiment_score":-0.09260118628541629}],"sentiment":"neutral","sentiment_score":-0.10374834463000297,"num_words":10,"start":410.585,"end":420.69},{"sentences":[{"text":"I I honestly wouldn't probably do that just because it is very risky, and the the crypto world doesn't actually close.","start":420.75,"end":427.07,"sentiment":"negative","sentiment_score":-0.5129878194559188},{"text":"So you are taking a lot more risk to do that, and Bitcoin itself is down pretty heavily at the moment.","start":427.07,"end":432.04498,"sentiment":"negative","sentiment_score":-0.462377714968863},{"text":"Like, it might be up for the week or the the month, but overall, it has been quite heavy dips in the past year.","start":432.04498,"end":437.645,"sentiment":"neutral","sentiment_score":-0.16084006878857812},{"text":"So I'd be more concerned.","start":437.645,"end":439.745,"sentiment":"neutral","sentiment_score":-0.12937935143709184},{"text":"Yeah.","start":445.75,"end":446.25,"sentiment":"neutral","sentiment_score":-0.123736634850502}],"sentiment":"negative","sentiment_score":-0.3487982120261424,"num_words":72,"start":420.75,"end":446.25},{"sentences":[{"text":"They are at the moment.","start":457.555,"end":458.695,"sentiment":"neutral","sentiment_score":-0.0944112166762352},{"text":"Yeah.","start":458.995,"end":459.495,"sentiment":"neutral","sentiment_score":-0.07086958736181259},{"text":"Mhmm.","start":462.835,"end":463.335,"sentiment":"neutral","sentiment_score":-0.0558798722922802},{"text":"Yeah.","start":464.275,"end":464.775,"sentiment":"neutral","sentiment_score":-0.1020658314228058},{"text":"Yeah.","start":468.755,"end":469.255,"sentiment":"neutral","sentiment_score":-0.04503002017736435}],"sentiment":"neutral","sentiment_score":-0.082877932737271,"num_words":9,"start":457.555,"end":469.255},{"sentences":[{"text":"Yeah.","start":469.63498,"end":470.13498,"sentiment":"neutral","sentiment_score":-0.04374741017818451},{"text":"Yeah.","start":482.83002,"end":483.33002,"sentiment":"neutral","sentiment_score":0.001535322517156601},{"text":"Yeah.","start":483.87,"end":484.37,"sentiment":"neutral","sentiment_score":-0.0454772487282753},{"text":"Yeah.","start":499.675,"end":499.95,"sentiment":"neutral","sentiment_score":-0.05633506551384926},{"text":"Yeah.","start":504.27002,"end":504.77002,"sentiment":"neutral","sentiment_score":-0.17158982157707214}],"sentiment":"neutral","sentiment_score":-0.06312284469604493,"num_words":5,"start":469.63498,"end":504.77002},{"sentences":[{"text":"Yeah.","start":507.15002,"end":507.65002,"sentiment":"neutral","sentiment_score":-0.088295578956604},{"text":"Yeah.","start":508.27002,"end":508.77002,"sentiment":"neutral","sentiment_score":-0.09329460561275482},{"text":"I'm that's all good.","start":508.83002,"end":516.40497,"sentiment":"neutral","sentiment_score":0.024800067767500874},{"text":"No.","start":516.40497,"end":516.805,"sentiment":"neutral","sentiment_score":-0.16784492135047913},{"text":"I completely understand what you're saying.","start":516.805,"end":518.245,"sentiment":"neutral","sentiment_score":-0.1246744766831398}],"sentiment":"neutral","sentiment_score":-0.0767908996114364,"num_words":13,"start":507.15002,"end":518.245},{"sentences":[{"text":"I think the main thing I would like to be able to help you do is try and build on your super as much as possible.","start":518.245,"end":523.625,"sentiment":"neutral","sentiment_score":0.05891990260435985},{"text":"Obviously, you wanted to sort of look at that SMS of self made super fund route.","start":524.165,"end":529.125,"sentiment":"neutral","sentiment_score":-0.079820497892797},{"text":"It doesn't quite work for what you're after.","start":529.125,"end":531.14496,"sentiment":"neutral","sentiment_score":-0.23768679052591324},{"text":"And I know you are sort of in between jobs at the moment.","start":531.95,"end":534.11,"sentiment":"neutral","sentiment_score":-0.12587907451849717},{"text":"I would definitely like to try to help you to boost super as much as possible.","start":534.11,"end":537.49,"sentiment":"neutral","sentiment_score":0.23039347771555185}],"sentiment":"neutral","sentiment_score":0.005103327239616008,"num_words":79,"start":518.245,"end":537.49},{"sentences":[{"text":"We have seen a lot of ups and downs in the market this year.","start":537.55,"end":540.43,"sentiment":"neutral","sentiment_score":-0.11317538310374532},{"text":"So your super overall, since coming on board with us, since inception in 2020, you have made money.","start":540.43,"end":547.69495,"sentiment":"positive","sentiment_score":0.4841943615012699},{"text":"You are definitely up a little over 7.34%.","start":547.69495,"end":551.055,"sentiment":"positive","sentiment_score":0.6829889491200447},{"text":"So you have definitely come on board and made money in that time frame.","start":551.055,"end":554.51495,"sentiment":"positive","sentiment_score":0.6643800011702946},{"text":"But in this year, we have seen a lot of ups and downs with the market as a whole.","start":555.535,"end":560.2,"sentiment":"neutral","sentiment_score":-0.241924806645042}],"sentiment":"neutral","sentiment_score":0.23698223872135762,"num_words":73,"start":537.55,"end":560.2},{"sentences":[{"text":"So yeah.","start":560.74,"end":562.9,"sentiment":"neutral","sentiment_score":-0.02880253829061985},{"text":"Correct.","start":562.9,"end":563.4,"sentiment":"neutral","sentiment_score":-0.06944528222084045},{"text":"Correct.","start":563.46,"end":563.96,"sentiment":"neutral","sentiment_score":-0.024357972666621208},{"text":"Yeah.","start":564.42,"end":564.82,"sentiment":"neutral","sentiment_score":-0.01414360012859106},{"text":"Correct.","start":564.82,"end":565.32,"sentiment":"neutral","sentiment_score":0.020232724025845528}],"sentiment":"neutral","sentiment_score":-0.024219867928574484,"num_words":6,"start":560.74,"end":565.32},{"sentences":[{"text":"Yeah.","start":569.86,"end":570.26,"sentiment":"neutral","sentiment_score":-0.012766956351697443},{"text":"No.","start":570.26,"end":570.5,"sentiment":"neutral","sentiment_score":-0.07725674659013748},{"text":"I completely understand.","start":570.5,"end":571.62,"sentiment":"neutral","sentiment_score":-0.05229013909896215},{"text":"And, I mean, we've had a bit of a look now.","start":571.62,"end":573.465,"sentiment":"neutral","sentiment_score":-0.03965594805777073},{"text":"I just wanted to find out as well.","start":573.54504,"end":575.30505,"sentiment":"neutral","sentiment_score":0.014377299696207047}],"sentiment":"neutral","sentiment_score":-0.023670464637689292,"num_words":24,"start":569.86,"end":575.30505},{"sentences":[{"text":"In the last three months over the last twelve months, we have seen a lot of ups and downs that your portfolio was working quite nicely towards sort of the early the part of this year.","start":575.30505,"end":585.005,"sentiment":"neutral","sentiment_score":-0.11191000944624345},{"text":"Then around April, we did see a bit of a different account.","start":585.145,"end":587.78503,"sentiment":"neutral","sentiment_score":-0.09881851511696975},{"text":"It fell a little over 1% there.","start":587.78503,"end":590.04,"sentiment":"neutral","sentiment_score":-0.1585365171943392},{"text":"But in the last sort of three months, we've seen it come back and obtain about a 6% gain.","start":590.04,"end":595.1,"sentiment":"neutral","sentiment_score":-0.026134773500655826},{"text":"So we have sort of seen a bit of a recovery point there.","start":595.64,"end":598.62,"sentiment":"neutral","sentiment_score":-0.01625372010927934}],"sentiment":"neutral","sentiment_score":-0.08082985287082606,"num_words":87,"start":575.30505,"end":598.62},{"sentences":[{"text":"The other thing that we did notice and we did do, we would've sent an email to you around about March this year.","start":598.76,"end":604.495,"sentiment":"neutral","sentiment_score":0.01793824047174143},{"text":"Do you remember seeing that email in your inbox at all?","start":604.495,"end":607.475,"sentiment":"neutral","sentiment_score":0.0024740850044922395},{"text":"No.","start":610.25494,"end":610.495,"sentiment":"neutral","sentiment_score":-0.06759936362504959},{"text":"That's okay.","start":610.495,"end":611.31494,"sentiment":"neutral","sentiment_score":-0.013652693014591932},{"text":"Within your portfolio, we had we had an investment called Ben along Australian Equities.","start":611.77496,"end":617.235,"sentiment":"neutral","sentiment_score":-0.00033951623897467316}],"sentiment":"neutral","sentiment_score":0.0066693429195997765,"num_words":51,"start":598.76,"end":617.235},{"sentences":[{"text":"Now that is an actively managed managed fund.","start":617.295,"end":620.36,"sentiment":"neutral","sentiment_score":0.020070471102371812},{"text":"The idea of that investment is the managed the fund manager within Benelong is trying to outperform against the market and trying to actively manage their portfolio.","start":620.74,"end":630.2,"sentiment":"neutral","sentiment_score":-0.004123577296181962},{"text":"They haven't been able to do so.","start":630.42,"end":632.025,"sentiment":"neutral","sentiment_score":-0.1594435317175729},{"text":"So along with what's been happening globally, that was underperforming a little bit as well.","start":632.025,"end":636.445,"sentiment":"neutral","sentiment_score":-0.21579185277223586},{"text":"So we also looked and removed that from your portfolio, and we actually replaced it with the beta shares Aussie 200.","start":636.585,"end":643.885,"sentiment":"neutral","sentiment_score":-0.030975781203735443}],"sentiment":"neutral","sentiment_score":-0.06351598380849911,"num_words":78,"start":617.295,"end":643.885},{"sentences":[{"text":"So been along generally held about 15 to 25 different investments there.","start":644.27997,"end":649.24,"sentiment":"neutral","sentiment_score":0.01859771382684509},{"text":"The a 200 is a much cheaper investment.","start":649.24,"end":651.66,"sentiment":"neutral","sentiment_score":0.17114153504371643},{"text":"It's also giving you greater diversification because it's tracking the top 200 companies on the ASX, and it's also cheaper because it's not an actively managed investment.","start":652.27997,"end":661.485,"sentiment":"neutral","sentiment_score":0.18717241190649844},{"text":"It's more of a passively managed investment, so it tracks the market.","start":661.485,"end":664.625,"sentiment":"neutral","sentiment_score":0.08465232777719696},{"text":"And when we kind of look at history, while there are times where active managers can outperform against the market, people who trade tend to not perform over the longer term.","start":664.845,"end":674.66003,"sentiment":"neutral","sentiment_score":0.06245772961166597}],"sentiment":"neutral","sentiment_score":0.10664419465594821,"num_words":90,"start":644.27997,"end":674.66003},{"sentences":[{"text":"So being in more of a passive portfolio can definitely provide you with greater returns there.","start":674.66003,"end":680.18,"sentiment":"positive","sentiment_score":0.49056882224977016},{"text":"So it has been a very up and down year.","start":680.18,"end":682.76,"sentiment":"neutral","sentiment_score":-0.1616660661995411},{"text":"Your portfolio hasn't obviously performed as well as we would have hoped, but it is important to sort of keep looking forward and moving and building on that and compounding.","start":683.06,"end":691.51495,"sentiment":"neutral","sentiment_score":0.04167770445346832},{"text":"I wanted to sort of look at whether some new advice needed to be updated for you, but it looks like from what you've told me so far, you're in between jobs at the moment.","start":693.01495,"end":700.935,"sentiment":"neutral","sentiment_score":0.030764199899775642},{"text":"So you're kinda doing this pass the delivery while you're looking for something new.","start":700.935,"end":706.19,"sentiment":"neutral","sentiment_score":0.07771049493125506}],"sentiment":"neutral","sentiment_score":0.09188062431556838,"num_words":105,"start":674.66003,"end":706.19},{"sentences":[{"text":"What's the new business that you're looking to purchase?","start":706.19,"end":709.01,"sentiment":"neutral","sentiment_score":0.11385272608862983},{"text":"What's that to entail?","start":709.07,"end":710.85004,"sentiment":"neutral","sentiment_score":0.06997560802847147},{"text":"Yep.","start":712.91003,"end":713.31,"sentiment":"neutral","sentiment_score":0.04209790751338005},{"text":"Yep.","start":713.31,"end":713.71,"sentiment":"neutral","sentiment_score":0.029680252075195312},{"text":"Do you know sort of when that when you're sort of hoping to have that done, or is, like, a a time frame that you're sort of hoping to not sure?","start":713.71,"end":721.785,"sentiment":"neutral","sentiment_score":-0.04241774916168182}],"sentiment":"neutral","sentiment_score":0.0013348891845215921,"num_words":46,"start":706.19,"end":721.785},{"sentences":[{"text":"Oh, I'm sorry.","start":723.44495,"end":726.345,"sentiment":"neutral","sentiment_score":-0.1282189687093099},{"text":"Yeah.","start":727.045,"end":727.545,"sentiment":"neutral","sentiment_score":-0.055851999670267105},{"text":"Yep.","start":734.89996,"end":735.39996,"sentiment":"neutral","sentiment_score":-0.08417476713657379},{"text":"Wow.","start":740.42,"end":740.92,"sentiment":"neutral","sentiment_score":-0.1798156499862671},{"text":"So they forced a few people?","start":741.3,"end":746.08496,"sentiment":"neutral","sentiment_score":-0.2263694331049919}],"sentiment":"neutral","sentiment_score":-0.17189299346258244,"num_words":12,"start":723.44495,"end":746.08496},{"sentences":[{"text":"Wow.","start":746.08496,"end":746.58496,"sentiment":"neutral","sentiment_score":-0.2124856263399124},{"text":"Wow.","start":748.805,"end":749.305,"sentiment":"neutral","sentiment_score":-0.2492257058620453},{"text":"Yeah.","start":751.125,"end":751.625,"sentiment":"neutral","sentiment_score":-0.23389260470867157},{"text":"Yeah.","start":758.21,"end":758.53,"sentiment":"neutral","sentiment_score":-0.1087607890367508},{"text":"I'm sorry to hear that.","start":758.53,"end":760.63,"sentiment":"neutral","sentiment_score":-0.2436146169900894}],"sentiment":"neutral","sentiment_score":-0.2247153123219808,"num_words":9,"start":746.08496,"end":760.63},{"sentences":[{"text":"Yeah.","start":762.85,"end":763.17,"sentiment":"neutral","sentiment_score":-0.02613181248307228},{"text":"So we're on the Gold Coast in Southport here.","start":763.17,"end":765.57,"sentiment":"neutral","sentiment_score":-0.02270765954421626},{"text":"Yep.","start":765.57,"end":766.07,"sentiment":"neutral","sentiment_score":-0.002041909843683243},{"text":"Yep.","start":766.13,"end":766.63,"sentiment":"neutral","sentiment_score":0.012949837371706964},{"text":"Yeah.","start":766.93,"end":767.43,"sentiment":"neutral","sentiment_score":0.018805013969540596}],"sentiment":"neutral","sentiment_score":-0.015445215914111871,"num_words":13,"start":762.85,"end":767.43},{"sentences":[{"text":"I me.","start":767.89,"end":770.85,"sentiment":"neutral","sentiment_score":-0.013214492239058016},{"text":"I'm 41.","start":770.85,"end":771.495,"sentiment":"neutral","sentiment_score":-0.02039915043860674},{"text":"Why?","start":773.335,"end":773.835,"sentiment":"neutral","sentiment_score":-0.07917770743370056},{"text":"Yeah.","start":777.895,"end":778.395,"sentiment":"neutral","sentiment_score":-0.29038381576538086},{"text":"Absolutely.","start":781.975,"end":782.475,"sentiment":"neutral","sentiment_score":-0.028450775891542435}],"sentiment":"neutral","sentiment_score":-0.06646279777799334,"num_words":7,"start":767.89,"end":782.475},{"sentences":[{"text":"I'd.","start":782.695,"end":783.195,"sentiment":"neutral","sentiment_score":-0.10141345858573914},{"text":"Yeah, no, I do completely understand where you're going there.","start":785.93,"end":788.88995,"sentiment":"neutral","sentiment_score":-0.06181630827486515},{"text":"I've got two children for 19 and 20, and they are currently in the process trying to save up to build a house deposit.","start":788.88995,"end":795.29,"sentiment":"neutral","sentiment_score":-0.010879310468832651},{"text":"And, like, realistically, as you're saying, with inflation and with everything going getting more expensive, it does sound to make it difficult that for them to have a mortgage in the future.","start":795.29,"end":804.515,"sentiment":"negative","sentiment_score":-0.41047880752012134},{"text":"They're gonna have to also rely on myself to, you know, put some of my assets up as collateral to sort of help them out.","start":805.055,"end":811.695,"sentiment":"neutral","sentiment_score":-0.23948145002126695}],"sentiment":"neutral","sentiment_score":-0.21851128351915142,"num_words":92,"start":782.695,"end":811.695},{"sentences":[{"text":"So I do thoroughly understand where you are going with that and how you are feeling.","start":811.695,"end":816.38995,"sentiment":"neutral","sentiment_score":-0.15993368346244097},{"text":"It is making it very, very difficult for the future generations to be able to purchase a home or for people to pay off homes.","start":816.38995,"end":823.26996,"sentiment":"negative","sentiment_score":-0.6408998560905457},{"text":"I know even people my age and your age are, you know, expecting to go into retirement still having a mortgage because it is just very hard to cover the cost and reduce it.","start":823.26996,"end":833.305,"sentiment":"negative","sentiment_score":-0.4452914201161441},{"text":"How much do you owe on at the moment?","start":836.085,"end":837.865,"sentiment":"negative","sentiment_score":-0.3349806165529622},{"text":"Well, if I win, I'll share 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offset?","start":853.53,"end":854.43,"sentiment":"neutral","sentiment_score":-0.013709063020845255},{"text":"Yeah.","start":855.885,"end":856.385,"sentiment":"neutral","sentiment_score":0.07017801702022552},{"text":"Yeah.","start":856.685,"end":857.185,"sentiment":"neutral","sentiment_score":0.14261312782764435},{"text":"Yeah.","start":857.565,"end":858.065,"sentiment":"neutral","sentiment_score":0.09701903164386748}],"sentiment":"neutral","sentiment_score":0.036853770459336896,"num_words":7,"start":853.29004,"end":858.065},{"sentences":[{"text":"Yeah.","start":877.0,"end":877.4,"sentiment":"neutral","sentiment_score":0.016959672793745995},{"text":"Yep.","start":877.4,"end":877.9,"sentiment":"neutral","sentiment_score":0.0206240676343441},{"text":"Yeah.","start":882.2,"end":882.7,"sentiment":"neutral","sentiment_score":0.012308675795793532},{"text":"And interest rates probably up around that sort of six to 7% at the moment.","start":882.92,"end":886.665,"sentiment":"neutral","sentiment_score":-0.034773779039581613},{"text":"Yeah.","start":889.125,"end":889.625,"sentiment":"neutral","sentiment_score":-0.013919048011302948}],"sentiment":"neutral","sentiment_score":-0.02555964828321808,"num_words":19,"start":877.0,"end":889.625},{"sentences":[{"text":"Yep.","start":902.26,"end":902.76,"sentiment":"neutral","sentiment_score":0.0741458460688591},{"text":"Are you sort of hoping to be able to maybe down the track use some of your super when you retire or when you get old enough to maybe look at retiring to sort of help pay down the loan, or are you sort of just wanting to keep your super as an income stream knowing you may need to draw down more in retirement to cover the mortgage or payments if you still have the mortgage to that time frame?","start":903.38,"end":924.51,"sentiment":"neutral","sentiment_score":0.062549264618644},{"text":"What have you sort of thought about the outcomes 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wow.","start":1007.31,"end":1008.05,"sentiment":"neutral","sentiment_score":0.08467376604676247},{"text":"I mean, you're on River Street too, and that's not a bad place.","start":1010.19,"end":1012.67,"sentiment":"neutral","sentiment_score":0.26874137497865236}],"sentiment":"neutral","sentiment_score":0.205495306601127,"num_words":18,"start":999.07495,"end":1012.67},{"sentences":[{"text":"Like, I know New Orleans and New South Wales quite well.","start":1012.67,"end":1014.67,"sentiment":"positive","sentiment_score":0.3517529341307553},{"text":"I'll actually live in New South Wales and drive to the Coast every day for work.","start":1014.67,"end":1018.855,"sentiment":"neutral","sentiment_score":0.30547506269067526},{"text":"So I know Ballina quite well, but you're on River Street there.","start":1019.235,"end":1023.655,"sentiment":"neutral","sentiment_score":0.22084396705031395},{"text":"Yeah.","start":1024.115,"end":1024.615,"sentiment":"neutral","sentiment_score":0.14172999560832977},{"text":"Yeah.","start":1024.915,"end":1025.415,"sentiment":"neutral","sentiment_score":0.178286612033844}],"sentiment":"neutral","sentiment_score":0.28602506074963546,"num_words":41,"start":1012.67,"end":1025.415},{"sentences":[{"text":"Yeah.","start":1028.755,"end":1029.255,"sentiment":"neutral","sentiment_score":0.12825286388397217},{"text":"Okay.","start":1043.7051,"end":1044.2051,"sentiment":"neutral","sentiment_score":0.04127753525972366},{"text":"Yep.","start":1049.385,"end":1049.785,"sentiment":"neutral","sentiment_score":-0.04660412669181824},{"text":"Yes.","start":1049.785,"end":1050.285,"sentiment":"neutral","sentiment_score":-0.03989209234714508},{"text":"Oh, absolutely.","start":1052.3451,"end":1053.165,"sentiment":"neutral","sentiment_score":0.08227270469069481}],"sentiment":"neutral","sentiment_score":0.04126326491435369,"num_words":6,"start":1028.755,"end":1053.165},{"sentences":[{"text":"Wow.","start":1060.6001,"end":1061.1001,"sentiment":"neutral","sentiment_score":-0.31149786710739136},{"text":"That's crazy.","start":1061.3201,"end":1062.2201,"sentiment":"negative","sentiment_score":-0.39074966311454773},{"text":"When's the last time you had your mortgage looked at by maybe a mortgage broker or a bank?","start":1063.2401,"end":1068.04,"sentiment":"neutral","sentiment_score":-0.06757549796667364},{"text":"Have you sort of had the the rates reassessed to see if there's a better rate out there or if they can maybe help you to pay it down faster by reassessing the loan?","start":1068.04,"end":1076.6749,"sentiment":"neutral","sentiment_score":-0.043775840388501394},{"text":"Okay.","start":1087.47,"end":1087.97,"sentiment":"neutral","sentiment_score":-0.02632511965930462}],"sentiment":"neutral","sentiment_score":-0.06828678302866008,"num_words":56,"start":1060.6001,"end":1087.97},{"sentences":[{"text":"Yep.","start":1102.205,"end":1102.705,"sentiment":"neutral","sentiment_score":-0.0024686120450496674},{"text":"Yep.","start":1109.66,"end":1110.16,"sentiment":"neutral","sentiment_score":-0.02701406739652157},{"text":"Yeah.","start":1114.86,"end":1115.36,"sentiment":"neutral","sentiment_score":-0.035406894981861115},{"text":"Yes.","start":1119.02,"end":1119.315,"sentiment":"neutral","sentiment_score":0.00893290713429451},{"text":"Yeah.","start":1121.1549,"end":1121.6549,"sentiment":"neutral","sentiment_score":-0.0008020792156457901}],"sentiment":"neutral","sentiment_score":-0.011351749300956726,"num_words":5,"start":1102.205,"end":1121.6549},{"sentences":[{"text":"Yep.","start":1137.73,"end":1138.23,"sentiment":"neutral","sentiment_score":0.1107994019985199},{"text":"Yep.","start":1144.605,"end":1145.105,"sentiment":"neutral","sentiment_score":-0.017156966030597687},{"text":"Yep.","start":1147.885,"end":1148.385,"sentiment":"neutral","sentiment_score":0.03821304440498352},{"text":"Yeah.","start":1153.245,"end":1153.745,"sentiment":"neutral","sentiment_score":0.009054481983184814},{"text":"Yeah.","start":1153.885,"end":1154.285,"sentiment":"neutral","sentiment_score":0.03070311993360519}],"sentiment":"neutral","sentiment_score":0.034322616457939145,"num_words":5,"start":1137.73,"end":1154.285},{"sentences":[{"text":"No.","start":1154.285,"end":1154.445,"sentiment":"neutral","sentiment_score":-0.09028509259223938},{"text":"That's okay.","start":1154.445,"end":1155.085,"sentiment":"neutral","sentiment_score":0.13036805391311646},{"text":"I mean, the other thing is is that we do have mortgage brokers that we can definitely look to refer you through to.","start":1155.085,"end":1160.62,"sentiment":"neutral","sentiment_score":0.25332363954056863},{"text":"And another option might be if they look at the loan that you have and the rate that you're on and maybe reassess your circumstances, they might be able to refinance to a lower rate and also look at ways to help you pay the mortgage down faster.","start":1160.62,"end":1173.4651,"sentiment":"neutral","sentiment_score":0.1798925376497209},{"text":"I know, you know, looking at things that might still be, you know, a fifteen, twenty year loan.","start":1174.165,"end":1178.905,"sentiment":"neutral","sentiment_score":0.11468393645352787}],"sentiment":"neutral","sentiment_score":0.18147877595670844,"num_words":92,"start":1154.285,"end":1178.905},{"sentences":[{"text":"But if they can sort of reevaluate, get you on a lower rate, which reduces your repayments, then making more repayments can help you to reduce the loan a bit faster as well.","start":1179.685,"end":1188.8701,"sentiment":"positive","sentiment_score":0.3503566167571328},{"text":"But, yeah, it's also up to whether or not you're comfortable going through that because it is a bit of a process.","start":1189.89,"end":1195.4901,"sentiment":"neutral","sentiment_score":0.059950541027567604},{"text":"You are going through responsible lending regulations and having everything looked at.","start":1195.4901,"end":1199.405,"sentiment":"neutral","sentiment_score":0.10224287522335847},{"text":"But if it's something you would like to do, you're welcome to let us know.","start":1199.405,"end":1202.4451,"sentiment":"positive","sentiment_score":0.35272773504257204},{"text":"We can refer you through to a mortgage broker to assess that that is at no cost to yourself.","start":1202.4451,"end":1207.745,"sentiment":"neutral","sentiment_score":0.26870769889731155}],"sentiment":"neutral","sentiment_score":0.24261343626692744,"num_words":101,"start":1179.685,"end":1207.745},{"sentences":[{"text":"So yeah.","start":1207.805,"end":1213.05,"sentiment":"neutral","sentiment_score":0.07545856013894081},{"text":"Absolutely.","start":1214.7301,"end":1215.2301,"sentiment":"neutral","sentiment_score":0.29341402649879456},{"text":"Absolutely.","start":1215.6901,"end":1216.1901,"sentiment":"neutral","sentiment_score":0.28480759263038635},{"text":"That's okay.","start":1217.13,"end":1217.87,"sentiment":"positive","sentiment_score":0.3946220576763153},{"text":"Absolutely fine.","start":1217.93,"end":1219.0701,"sentiment":"positive","sentiment_score":0.43940652906894684}],"sentiment":"neutral","sentiment_score":0.29964948911219835,"num_words":8,"start":1207.805,"end":1219.0701},{"sentences":[{"text":"So because we have made that switch within your super fund there, I would like to sort of just maybe do a bit of a review on your performance in the next, say, you know, three to six months just to sort of see if there's any new advice down the track to sort of look at.","start":1219.6901,"end":1233.3651,"sentiment":"neutral","sentiment_score":0.2127506380018435},{"text":"The other thing I wanted to sort of touch base on is the contribution side of things.","start":1233.665,"end":1237.5851,"sentiment":"neutral","sentiment_score":0.12403897108400569},{"text":"So, I mean, you're in that growth environment taking a bit more risk to try and get greater potential returns now, but contributions do kinda go to helping.","start":1237.5851,"end":1248.16,"sentiment":"neutral","sentiment_score":0.10641939326056413},{"text":"I know with you in between jobs and sort of with a lot of changes going on, do you have much in the way of expendable income or savings?","start":1248.3,"end":1256.72,"sentiment":"neutral","sentiment_score":-0.018708215448363073},{"text":"At.","start":1257.015,"end":1257.515,"sentiment":"neutral","sentiment_score":-0.1466405987739563}],"sentiment":"neutral","sentiment_score":0.12519706847767034,"num_words":132,"start":1219.6901,"end":1257.515},{"sentences":[{"text":"Yeah.","start":1258.455,"end":1258.955,"sentiment":"neutral","sentiment_score":-0.18707846105098724},{"text":"That's right.","start":1260.375,"end":1261.1951,"sentiment":"neutral","sentiment_score":-0.12591516599059105},{"text":"Yeah.","start":1265.655,"end":1265.895,"sentiment":"neutral","sentiment_score":-0.02097487449645996},{"text":"That's absolutely fine.","start":1265.895,"end":1267.115,"sentiment":"neutral","sentiment_score":0.18493473529815674},{"text":"Yeah.","start":1271.735,"end":1272.055,"sentiment":"neutral","sentiment_score":-0.028054162859916687}],"sentiment":"neutral","sentiment_score":0.008358296938240525,"num_words":8,"start":1258.455,"end":1272.055},{"sentences":[{"text":"You're right.","start":1272.055,"end":1273.16,"sentiment":"neutral","sentiment_score":-0.15258042514324188},{"text":"Yeah.","start":1273.16,"end":1273.66,"sentiment":"negative","sentiment_score":-0.4042081832885742},{"text":"Okay.","start":1275.4,"end":1275.9,"sentiment":"neutral","sentiment_score":-0.11474762856960297},{"text":"That's 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okay.","start":1314.9551,"end":1315.6951,"sentiment":"neutral","sentiment_score":-0.11341236531734467},{"text":"Yeah.","start":1320.3151,"end":1320.8151,"sentiment":"neutral","sentiment_score":0.03382524847984314},{"text":"Yeah.","start":1321.675,"end":1322.1,"sentiment":"neutral","sentiment_score":-0.0014424808323383331},{"text":"No.","start":1322.4199,"end":1322.58,"sentiment":"neutral","sentiment_score":-0.1274087131023407}],"sentiment":"neutral","sentiment_score":-0.07358560773233573,"num_words":6,"start":1314.795,"end":1322.58},{"sentences":[{"text":"That's okay.","start":1322.58,"end":1323.22,"sentiment":"neutral","sentiment_score":-0.0696018785238266},{"text":"That's completely understandable.","start":1323.22,"end":1324.44,"sentiment":"neutral","sentiment_score":-0.03580829997857412},{"text":"I can keep bringing it up down the track.","start":1324.74,"end":1326.74,"sentiment":"neutral","sentiment_score":-0.05422094133165148},{"text":"And when and if you decide that you are comfortable wanting to put some more into that, that's absolutely fine.","start":1326.74,"end":1331.5599,"sentiment":"neutral","sentiment_score":-0.007520338194444776},{"text":"What I'd like to maybe do is just keep watching things over the next week.","start":1332.26,"end":1335.38,"sentiment":"neutral","sentiment_score":0.03412954624121388}],"sentiment":"neutral","sentiment_score":-0.007613891821202575,"num_words":49,"start":1322.58,"end":1335.38},{"sentences":[{"text":"Do you want me to do a catch up in maybe three months or six months with you to see how these changes that we've made are performing and see if there's any new advice down the track to sort of provide?","start":1335.38,"end":1345.0651,"sentiment":"neutral","sentiment_score":0.05371493415995723},{"text":"Would you like that in three or six months?","start":1345.0651,"end":1347.465,"sentiment":"neutral","sentiment_score":0.005814638195766343},{"text":"What would you prefer, Peter?","start":1347.465,"end":1348.845,"sentiment":"neutral","sentiment_score":-0.016560636833310126},{"text":"I'm happy to coordinate with six months.","start":1348.905,"end":1352.12,"sentiment":"neutral","sentiment_score":0.012849639036825724},{"text":"Yeah.","start":1352.12,"end":1352.36,"sentiment":"neutral","sentiment_score":0.06330183893442154}],"sentiment":"neutral","sentiment_score":0.03716882978915237,"num_words":64,"start":1335.38,"end":1352.36},{"sentences":[{"text":"That brings us up to February, if that's okay.","start":1352.36,"end":1355.34,"sentiment":"neutral","sentiment_score":0.06178984045982361},{"text":"Yeah.","start":1363.96,"end":1364.355,"sentiment":"neutral","sentiment_score":0.12236256152391434},{"text":"Mhmm.","start":1371.635,"end":1371.955,"sentiment":"neutral","sentiment_score":0.13447171449661255},{"text":"Yeah.","start":1371.955,"end":1372.355,"sentiment":"positive","sentiment_score":0.4093891680240631},{"text":"Absolutely.","start":1372.355,"end":1372.855,"sentiment":"positive","sentiment_score":0.6044473648071289}],"sentiment":"neutral","sentiment_score":0.1405214902300101,"num_words":13,"start":1352.36,"end":1372.855},{"sentences":[{"text":"So they do have what's called a deductible contribution where you deposit the funds from your bank account into the super fund.","start":1373.315,"end":1380.5,"sentiment":"positive","sentiment_score":0.34461345997723664},{"text":"Again, it does lock it away, and then we claim what's called a notice of intent against that.","start":1380.88,"end":1386.64,"sentiment":"neutral","sentiment_score":0.16712215004695785},{"text":"So say if you put $10,000 in, it goes in nonconcessionally.","start":1386.64,"end":1390.66,"sentiment":"neutral","sentiment_score":0.10539994185621088},{"text":"We put we claim the notice of intent for you.","start":1391.04,"end":1393.76,"sentiment":"neutral","sentiment_score":0.24670107811689376},{"text":"The super fund then deducts 15% tax out of that contribution, and you can take that 10,000 back to your account and and claim that as a tax deduction on the year's income.","start":1393.76,"end":1403.735,"sentiment":"positive","sentiment_score":0.37751129359909985}],"sentiment":"neutral","sentiment_score":0.28376571968831915,"num_words":94,"start":1373.315,"end":1403.735},{"sentences":[{"text":"So you absolutely can do that.","start":1403.735,"end":1405.835,"sentiment":"positive","sentiment_score":0.7283572057882944},{"text":"You if that's something you would like to do, I'm more than happy to put maybe something in the calendar so we can touch base before the end of the financial year and look at your income and what you have available and what you might be comfortable putting in the super.","start":1406.935,"end":1419.59,"sentiment":"positive","sentiment_score":0.45255854467932993},{"text":"I can also give you personal advice and provide an advice document that recommends doing so and the benefits, the advantages, disadvantages, and risks of doing that to make it easier on you so you can see it all.","start":1419.59,"end":1431.475,"sentiment":"positive","sentiment_score":0.35426880810887384},{"text":"Yep.","start":1439.95,"end":1440.45,"sentiment":"neutral","sentiment_score":-0.014448575675487518},{"text":"Yep.","start":1442.6699,"end":1443.1699,"sentiment":"neutral","sentiment_score":0.06705357134342194}],"sentiment":"positive","sentiment_score":0.42194218252493876,"num_words":99,"start":1403.735,"end":1443.1699},{"sentences":[{"text":"Not net you can there is a way that that can work for you if you are open to doing it.","start":1452.525,"end":1462.2051,"sentiment":"neutral","sentiment_score":0.23091139715342296},{"text":"So if you were to look at doing that now and say you had ten or twenty thousand over the course of the year that you wanted to put into super, you can put it in as a lump sum.","start":1462.2051,"end":1471.74,"sentiment":"neutral","sentiment_score":0.03765561981126666},{"text":"The downside of doing that is the money gets invested at one time.","start":1471.74,"end":1475.42,"sentiment":"negative","sentiment_score":-0.418796555354045},{"text":"So if you dump $20 in tomorrow, the money gets invested, the market drops, so that is gonna reflect.","start":1475.42,"end":1482.105,"sentiment":"neutral","sentiment_score":-0.11642128601670265},{"text":"What you could then also be doing is doing it on a regular basis.","start":1482.485,"end":1485.5249,"sentiment":"positive","sentiment_score":0.33907365160329}],"sentiment":"neutral","sentiment_score":0.03220594019811844,"num_words":107,"start":1452.525,"end":1485.5249},{"sentences":[{"text":"So putting smaller amounts of money in on a more regular basis, doing the exact same thing.","start":1485.5249,"end":1490.005,"sentiment":"positive","sentiment_score":0.3555012730991139},{"text":"It comes out of your bank account and into the super fund.","start":1490.005,"end":1492.6649,"sentiment":"neutral","sentiment_score":0.26778119057416916},{"text":"We can help you to set it up as a regular direct debit or it's a regular transfer from your bank account, or you can manually do it.","start":1492.82,"end":1501.0,"sentiment":"neutral","sentiment_score":0.21361642091401986},{"text":"Depends on your comfort level.","start":1501.0599,"end":1502.14,"sentiment":"neutral","sentiment_score":0.07379792481660843},{"text":"But then not necessarily.","start":1502.14,"end":1502.3401,"sentiment":"neutral","sentiment_score":-0.046502258628606796}],"sentiment":"neutral","sentiment_score":0.23365358037478995,"num_words":66,"start":1485.5249,"end":1502.3401},{"sentences":[{"text":"If we start Yes.","start":1502.3401,"end":1526.2,"sentiment":"neutral","sentiment_score":0.05324306711554527},{"text":"Yeah.","start":1529.2999,"end":1529.7999,"sentiment":"neutral","sentiment_score":0.15302425622940063},{"text":"Yep.","start":1530.5,"end":1531.0,"sentiment":"neutral","sentiment_score":0.1714215874671936},{"text":"Yep.","start":1536.34,"end":1536.615,"sentiment":"neutral","sentiment_score":0.05998685583472252},{"text":"Put it under the loan.","start":1540.455,"end":1541.595,"sentiment":"neutral","sentiment_score":0.01848432868719101}],"sentiment":"neutral","sentiment_score":0.05748555095245441,"num_words":12,"start":1502.3401,"end":1541.595},{"sentences":[{"text":"Yeah.","start":1541.975,"end":1542.475,"sentiment":"neutral","sentiment_score":0.07398131489753723},{"text":"Yeah.","start":1543.815,"end":1544.315,"sentiment":"neutral","sentiment_score":0.09782928228378296},{"text":"Honestly, the way I sort of put that is that when if you're really good with money and you're able to put that money into the offset and have it just sitting there and you know you're not gonna use it, you're pretty good, you know, just not drawing back whenever you need to, then the offset works honestly the same way.","start":1547.895,"end":1564.785,"sentiment":"neutral","sentiment_score":0.253261640788086},{"text":"The main difference is in the way I sort of work with a lot of my clients is if they're not great with money, if they find having large sums of money in the offset is easily accessible and they're more likely to use it, then putting it on the loan is a better scenario.","start":1564.9249,"end":1577.105,"sentiment":"neutral","sentiment_score":-0.07634591006419876},{"text":"It does physically reduce the loan amount, which can also be a benefit to someone who is just looking for that kind of gratitude.","start":1577.65,"end":1584.15,"sentiment":"positive","sentiment_score":0.4067370456953843}],"sentiment":"neutral","sentiment_score":0.14990696761678982,"num_words":143,"start":1541.975,"end":1584.15},{"sentences":[{"text":"But then it is harder to take back.","start":1585.25,"end":1587.8099,"sentiment":"negative","sentiment_score":-0.374332781881094},{"text":"Doing a redraw can be a little bit harder than just having a card and tapping away.","start":1587.8099,"end":1591.98,"sentiment":"negative","sentiment_score":-0.4201444527682136},{"text":"So they both have the same effect of reducing the amount of interest that you pay.","start":1591.98,"end":1598.205,"sentiment":"neutral","sentiment_score":0.18597146915271878},{"text":"The main factor is do you wanna see your loan balance decreasing and putting it on the loan directly, or are you comfortable having it in the offset account and not using it all the time to make it easier?","start":1598.825,"end":1610.72,"sentiment":"neutral","sentiment_score":0.09490093179047107},{"text":"And you seem like you're pretty pretty comfortable with that, but it it kinda feels to me like having it for yourself.","start":1610.78,"end":1617.02,"sentiment":"positive","sentiment_score":0.35851040008393203}],"sentiment":"neutral","sentiment_score":0.04389991871650937,"num_words":103,"start":1585.25,"end":1617.02},{"sentences":[{"text":"And you can correct me if I'm wrong, but having it on the loan feels like it would be a much more comfortable aspect for you.","start":1617.02,"end":1623.0549,"sentiment":"positive","sentiment_score":0.35376573268037576},{"text":"So you can physically see the loan balance dropping, which can kind of provide a little bit more, you know, gratitude.","start":1623.0549,"end":1630.0349,"sentiment":"positive","sentiment_score":0.4981427604243869},{"text":"It kinda shows you that you're actually reducing the loan a lot faster, which can be the most people tend to find better.","start":1630.095,"end":1636.4501,"sentiment":"positive","sentiment_score":0.35904062118219293},{"text":"Yeah.","start":1636.75,"end":1637.25,"sentiment":"neutral","sentiment_score":0.2335527241230011},{"text":"COVID interest rates.","start":1646.1901,"end":1647.4701,"sentiment":"neutral","sentiment_score":0.05011257901787758}],"sentiment":"positive","sentiment_score":0.3824423211752563,"num_words":74,"start":1617.02,"end":1647.4701},{"sentences":[{"text":"Yeah.","start":1647.4701,"end":1647.9701,"sentiment":"neutral","sentiment_score":0.11502116173505784},{"text":"Yeah.","start":1648.755,"end":1649.155,"sentiment":"neutral","sentiment_score":0.17981117963790894},{"text":"Understandable.","start":1649.155,"end":1649.655,"sentiment":"neutral","sentiment_score":0.2040141522884369},{"text":"But, I mean, the other side of it is putting more money into your offset account and the loan does provide a guaranteed rate of return, whereas putting it into super or investing the money, there's no guarantee on the rate of return.","start":1650.1951,"end":1661.335,"sentiment":"neutral","sentiment_score":0.05181484088994736},{"text":"But if you wanted to look at doing additional contributions, we can structure it so that you are putting maybe smaller amounts in regularly so long as we can kind of and I monitor things and do catch ups with you to make sure things are working harder.","start":1661.8999,"end":1675.775,"sentiment":"neutral","sentiment_score":0.20938873461758098}],"sentiment":"neutral","sentiment_score":0.13593131822950028,"num_words":94,"start":1647.4701,"end":1675.775},{"sentences":[{"text":"But, realistically, if you're putting enough money in and you're also getting good growth on top of that and compounding it over time, you theoretically could end up with enough, if not enough, to cover the mortgage at least close to.","start":1675.775,"end":1688.57,"sentiment":"positive","sentiment_score":0.49394964917403894},{"text":"And if that's what you wanted to do, if you wanted to just sort of get to retirement age, take all your money out, pay your mortgage down or off completely if possible, and then go overseas and rent the property out, that could work as your retirement goal.","start":1689.27,"end":1702.295,"sentiment":"positive","sentiment_score":0.4025185162923774},{"text":"There's nothing wrong with that in any way, shape, or form.","start":1702.295,"end":1705.035,"sentiment":"positive","sentiment_score":0.3672492802143097},{"text":"But giving a super a boost yeah.","start":1705.655,"end":1708.295,"sentiment":"neutral","sentiment_score":0.2684938332864216},{"text":"Giving a super a boost is definitely important.","start":1708.295,"end":1710.875,"sentiment":"positive","sentiment_score":0.6012392528355122}],"sentiment":"positive","sentiment_score":0.4371073780388668,"num_words":116,"start":1675.775,"end":1710.875},{"sentences":[{"text":"And as much as the way I sorta super is think of it like your car.","start":1710.935,"end":1715.1699,"sentiment":"neutral","sentiment_score":0.2872189851477742},{"text":"The actual super fund is the car.","start":1715.1699,"end":1716.9299,"sentiment":"neutral","sentiment_score":0.24477575293609075},{"text":"You're sitting in the car, but without fuel, you can't really go anywhere.","start":1716.9299,"end":1721.2699,"sentiment":"neutral","sentiment_score":0.14044703944371298},{"text":"The investments, the fuel, and having contributions put in there does add to it.","start":1721.57,"end":1726.385,"sentiment":"positive","sentiment_score":0.5116885368313108},{"text":"It's like topping it up and helping it to grow and build.","start":1726.385,"end":1729.2849,"sentiment":"positive","sentiment_score":0.6265924821297327}],"sentiment":"positive","sentiment_score":0.36802411043355543,"num_words":62,"start":1710.935,"end":1729.2849},{"sentences":[{"text":"And as much as we can get, you know, a seven or a 10 or a 20% return just from investments and compound that, sometimes adding a little bit of extra money in also provides a greater benefit.","start":1730.3049,"end":1740.88,"sentiment":"positive","sentiment_score":0.5833514834705152},{"text":"It helps to boost and replenish and build on your super a lot quicker as well.","start":1740.88,"end":1746.5,"sentiment":"positive","sentiment_score":0.75290497392416},{"text":"So there is that consideration to you're at.","start":1746.5599,"end":1750.24,"sentiment":"neutral","sentiment_score":0.024222475360147655},{"text":"Sorry.","start":1750.24,"end":1750.74,"sentiment":"neutral","sentiment_score":-0.039833538234233856},{"text":"That's that's alright.","start":1756.235,"end":1757.775,"sentiment":"neutral","sentiment_score":0.04858148066947857}],"sentiment":"positive","sentiment_score":0.5229322221412351,"num_words":66,"start":1730.3049,"end":1757.775},{"sentences":[{"text":"You're fine, honestly.","start":1760.395,"end":1761.535,"sentiment":"neutral","sentiment_score":0.169821227590243},{"text":"The current concessional rate, so this is thinking like employer contributions or contributions where you've claimed a notice intent.","start":1766.84,"end":1774.7,"sentiment":"neutral","sentiment_score":0.0376031898746365},{"text":"This year, financial year, it's 32,500.","start":1775.0,"end":1778.38,"sentiment":"neutral","sentiment_score":0.03093685582280159},{"text":"However, they also have what's called the carry forward, which means if you've not put in up the cap over the last five years and your super balance is under 500,000 as at June 30 last year so at thirtieth of June this year, then you can also probably use catch up contributions from the last five years, and your ATO account would give you that level.","start":1778.6,"end":1802.75,"sentiment":"neutral","sentiment_score":0.09572796821038225},{"text":"So you could theoretically be putting in, you know, 50, 50, a 100,000 depending on what your carry forward limit is, depending on what you're comfortable with as well.","start":1802.75,"end":1813.005,"sentiment":"neutral","sentiment_score":0.14907821961517992}],"sentiment":"neutral","sentiment_score":0.0979563521311408,"num_words":124,"start":1760.395,"end":1813.005},{"sentences":[{"text":"They also have non concessional contributions, which at the moment, you can put up to a 130,000 in this financial year, and that's after tax free component within your super funds.","start":1813.145,"end":1827.81,"sentiment":"neutral","sentiment_score":0.20548527759890403},{"text":"So there is a pretty good limit of contributions that can be made.","start":1827.81,"end":1831.01,"sentiment":"positive","sentiment_score":0.5035391128980197},{"text":"It just depends upon what you're comfortable with.","start":1831.01,"end":1833.67,"sentiment":"neutral","sentiment_score":0.3267383426427841},{"text":"And sometimes starting smaller is a comfort level for most people, especially when they do have a mortgage because most people wanna pay the mortgage down as quickly as possible.","start":1834.77,"end":1843.245,"sentiment":"positive","sentiment_score":0.3628630628188451},{"text":"The banks make quite a bit of money off our 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okay.","start":1875.9551,"end":1876.775,"sentiment":"neutral","sentiment_score":-0.03854432329535484},{"text":"When what age?","start":1876.995,"end":1878.81,"sentiment":"neutral","sentiment_score":-0.04483139142394066},{"text":"I mean, theoretically, under the current legislation, if you get to the age of 60 and you decide you wanna then officially stop work, retire for all intensive purposes, and access that money, you can draw the whole amount of your super out and put it onto your mortgage if that's what you wanna do.","start":1878.89,"end":1894.75,"sentiment":"neutral","sentiment_score":-0.020401811531998895},{"text":"Alternatively no.","start":1895.665,"end":1897.985,"sentiment":"neutral","sentiment_score":0.010103763546794653},{"text":"So the age of 60 is the first preservation 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never.","start":2158.11,"end":2159.01,"sentiment":"neutral","sentiment_score":-0.07004722021520139},{"text":"No.","start":2159.07,"end":2159.47,"sentiment":"neutral","sentiment_score":-0.14827430248260498}],"sentiment":"neutral","sentiment_score":-0.14832440657275064,"num_words":14,"start":2143.835,"end":2159.47},{"sentences":[{"text":"No.","start":2159.47,"end":2159.97,"sentiment":"neutral","sentiment_score":-0.14456287026405334},{"text":"That's cool.","start":2164.11,"end":2164.83,"sentiment":"positive","sentiment_score":0.5803010165691376},{"text":"So he's he's across it all.","start":2164.83,"end":2166.35,"sentiment":"positive","sentiment_score":0.3758147458235423},{"text":"He knows where to go, what to do.","start":2166.35,"end":2171.2651,"sentiment":"neutral","sentiment_score":0.16290588676929474},{"text":"Yeah.","start":2171.2651,"end":2171.7651,"sentiment":"neutral","sentiment_score":0.03359084203839302}],"sentiment":"neutral","sentiment_score":0.25598697633379036,"num_words":18,"start":2159.47,"end":2171.7651},{"sentences":[{"text":"Wow.","start":2176.7852,"end":2177.2852,"sentiment":"neutral","sentiment_score":0.12945160269737244},{"text":"Yeah.","start":2177.345,"end":2177.745,"sentiment":"neutral","sentiment_score":0.0881514772772789},{"text":"Wow.","start":2177.745,"end":2178.245,"sentiment":"neutral","sentiment_score":0.09449630975723268},{"text":"Yeah.","start":2193.92,"end":2194.335,"sentiment":"neutral","sentiment_score":-0.1199430301785469},{"text":"No.","start":2197.135,"end":2197.635,"sentiment":"negative","sentiment_score":-0.3605242371559143}],"sentiment":"neutral","sentiment_score":-0.03367357552051544,"num_words":5,"start":2176.7852,"end":2197.635},{"sentences":[{"text":"Absolutely not.","start":2197.855,"end":2199.4749,"sentiment":"negative","sentiment_score":-0.41233859956264496},{"text":"Definitely not.","start":2199.935,"end":2200.9949,"sentiment":"neutral","sentiment_score":-0.3286947011947632},{"text":"Wow.","start":2201.855,"end":2202.255,"sentiment":"neutral","sentiment_score":-0.08993037045001984},{"text":"That's insane.","start":2202.255,"end":2202.9949,"sentiment":"neutral","sentiment_score":-0.10720484331250191},{"text":"Jeez.","start":2204.335,"end":2204.835,"sentiment":"neutral","sentiment_score":0.13877451419830322}],"sentiment":"neutral","sentiment_score":-0.2059540180489421,"num_words":8,"start":2197.855,"end":2204.835},{"sentences":[{"text":"Alright.","start":2207.135,"end":2207.635,"sentiment":"neutral","sentiment_score":0.2995377779006958},{"text":"All good.","start":2208.015,"end":2208.575,"sentiment":"positive","sentiment_score":0.4117320477962494},{"text":"Well, what we'll do moving forward is with your super, I'll keep things as they are for the moment, and we'll do a catch up in six months if you're comfortable with that.","start":2208.575,"end":2217.29,"sentiment":"neutral","sentiment_score":0.15118355507200415},{"text":"In the meantime, I'll keep looking at things, sort of seeing how it's growing, what's happening.","start":2217.51,"end":2221.77,"sentiment":"neutral","sentiment_score":0.20509532187134027},{"text":"We'll do a catch up in February to see what's happening work wise, where you earn money, what kind of changes you've got, and whether we maybe update advice and consider making more contributions moving forward.","start":2222.07,"end":2233.965,"sentiment":"neutral","sentiment_score":0.21062394107381502}],"sentiment":"neutral","sentiment_score":0.1929096161303195,"num_words":88,"start":2207.135,"end":2233.965},{"sentences":[{"text":"Does that sound okay with you?","start":2234.105,"end":2235.805,"sentiment":"neutral","sentiment_score":0.20136195172866186},{"text":"Yep.","start":2237.145,"end":2237.645,"sentiment":"neutral","sentiment_score":0.31308290362358093},{"text":"Beautiful.","start":2237.7852,"end":2238.2852,"sentiment":"positive","sentiment_score":0.6799739599227905},{"text":"We'll let those changes sort of sit and play, and I'll see how things go.","start":2238.665,"end":2241.52,"sentiment":"positive","sentiment_score":0.45370698909585677},{"text":"If I look at things because I do look at your super, you know, every so often and see what's happening and, you know, see what the balance is doing and what the returns look like and if something needs to be updated or changed.","start":2241.52,"end":2252.355,"sentiment":"neutral","sentiment_score":0.01862685051229265}],"sentiment":"neutral","sentiment_score":0.14478002475602003,"num_words":68,"start":2234.105,"end":2252.355},{"sentences":[{"text":"So if I do sort of look at that and I find there is maybe a need to make some changes, I'll definitely make contact with you and let you know in the meantime.","start":2252.355,"end":2260.515,"sentiment":"neutral","sentiment_score":0.09433905495440259},{"text":"Does that sound okay with you, Peter?","start":2260.515,"end":2262.295,"sentiment":"neutral","sentiment_score":0.13154430580990656},{"text":"Yep.","start":2264.035,"end":2264.435,"sentiment":"neutral","sentiment_score":0.22663652896881104},{"text":"Beautiful.","start":2264.435,"end":2264.935,"sentiment":"positive","sentiment_score":0.6442844867706299},{"text":"That's okay.","start":2265.315,"end":2265.955,"sentiment":"positive","sentiment_score":0.48997585475444794}],"sentiment":"neutral","sentiment_score":0.13287134965260824,"num_words":45,"start":2252.355,"end":2265.955},{"sentences":[{"text":"I wanna make sure.","start":2265.955,"end":2266.8,"sentiment":"neutral","sentiment_score":0.2978419214487076},{"text":"Look.","start":2266.8,"end":2266.92,"sentiment":"neutral","sentiment_score":0.1500125229358673},{"text":"You know, not everyone feels the same way about super, but you're our client.","start":2266.92,"end":2272.1,"sentiment":"neutral","sentiment_score":0.022254892757960727},{"text":"So I wanna make sure that, you know, your super is working as hard as it possibly can for you.","start":2272.1602,"end":2276.9001,"sentiment":"neutral","sentiment_score":0.21503416188061236},{"text":"You've worked your butt off for years, so your money should just be working as hard as it can for you.","start":2277.44,"end":2283.145,"sentiment":"neutral","sentiment_score":0.15924814343452454}],"sentiment":"neutral","sentiment_score":0.15496404928465685,"num_words":60,"start":2265.955,"end":2283.145},{"sentences":[{"text":"So we'll make sure things are working as hard as they can.","start":2283.685,"end":2286.825,"sentiment":"neutral","sentiment_score":0.11702078146239121},{"text":"You are kind of in that growth environment.","start":2287.765,"end":2290.185,"sentiment":"neutral","sentiment_score":-0.054205420427024364},{"text":"Now one of the things I sort of also wanted to look at was just the risk profiling.","start":2290.325,"end":2294.665,"sentiment":"neutral","sentiment_score":-0.01770497899916437},{"text":"So in your super, the you're in more of a growth environment, which generally sees about 80% of your super invest in growth assets.","start":2294.885,"end":2302.74,"sentiment":"neutral","sentiment_score":0.03569107782095671},{"text":"So think about Australian and international shares, listed property, and commodities like gold and silver, and then the other 20% in defensive low risk investments like cash, bonds, and fixed interest.","start":2302.96,"end":2314.565,"sentiment":"neutral","sentiment_score":0.06381904922666089}],"sentiment":"neutral","sentiment_score":0.037493470815881606,"num_words":93,"start":2283.685,"end":2314.565},{"sentences":[{"text":"This sort of a portfolio, you're wanting to sort of average around about a seven to 9% on a yearly basis compounding that over time.","start":2315.105,"end":2322.56,"sentiment":"neutral","sentiment_score":0.03876715332269669},{"text":"And we know with market ups and downs, there is the risk of a negative year, and we expect that around about one in every five years.","start":2322.9402,"end":2330.0,"sentiment":"neutral","sentiment_score":-0.12544162116116947},{"text":"This sort of portfolio happily suits someone who's not gonna access their funds for around about six years.","start":2330.62,"end":2336.8,"sentiment":"neutral","sentiment_score":0.12015598432885276},{"text":"If you were definitely closer to retirement than you are, I would be saying, let's pull that back a little bit.","start":2337.095,"end":2342.7148,"sentiment":"neutral","sentiment_score":0.021588493848130816},{"text":"And looking at where you are now, just double checking, you're 54 this year next month.","start":2343.095,"end":2348.6948,"sentiment":"neutral","sentiment_score":0.03030952950939536}],"sentiment":"neutral","sentiment_score":0.006386669370058541,"num_words":107,"start":2315.105,"end":2348.6948},{"sentences":[{"text":"Is that right?","start":2348.6948,"end":2349.45,"sentiment":"neutral","sentiment_score":0.07338995983203252},{"text":"Yep.","start":2350.97,"end":2351.47,"sentiment":"neutral","sentiment_score":0.06282882392406464},{"text":"What is the likelihood of you wanting to withdraw those funds at the age of 60, or do you think you're gonna wanna probably try and keep it growing a little bit longer?","start":2351.6099,"end":2361.6099,"sentiment":"neutral","sentiment_score":0.019805735068847283},{"text":"What do you think the likelihood is of that?","start":2361.6099,"end":2364.2449,"sentiment":"neutral","sentiment_score":-0.087281650553147},{"text":"Yeah.","start":2367.905,"end":2368.405,"sentiment":"neutral","sentiment_score":-0.04074247181415558}],"sentiment":"neutral","sentiment_score":0.002347034763822213,"num_words":47,"start":2348.6948,"end":2368.405},{"sentences":[{"text":"So you'll probably sell the house as well?","start":2372.305,"end":2374.325,"sentiment":"neutral","sentiment_score":0.005582310142926872},{"text":"Yep.","start":2376.785,"end":2377.285,"sentiment":"neutral","sentiment_score":0.12142378091812134},{"text":"Okay.","start":2377.5999,"end":2377.68,"sentiment":"neutral","sentiment_score":0.15121981501579285},{"text":"That's alright.","start":2377.68,"end":2378.3398,"sentiment":"neutral","sentiment_score":0.19804521650075912},{"text":"Yep.","start":2379.44,"end":2379.94,"sentiment":"neutral","sentiment_score":0.15347068011760712}],"sentiment":"neutral","sentiment_score":0.06668178386126573,"num_words":13,"start":2372.305,"end":2379.94},{"sentences":[{"text":"Yeah.","start":2383.04,"end":2383.44,"sentiment":"neutral","sentiment_score":0.08856196701526642},{"text":"No.","start":2383.44,"end":2383.5999,"sentiment":"neutral","sentiment_score":-0.05504753813147545},{"text":"That's okay.","start":2383.5999,"end":2384.24,"sentiment":"neutral","sentiment_score":0.1459512561559677},{"text":"Understandable.","start":2384.24,"end":2384.74,"sentiment":"neutral","sentiment_score":0.23111259937286377},{"text":"Yeah.","start":2386.88,"end":2387.28,"sentiment":"neutral","sentiment_score":0.1620703935623169}],"sentiment":"neutral","sentiment_score":0.1197666556884845,"num_words":6,"start":2383.04,"end":2387.28},{"sentences":[{"text":"So do you think you'd be wanting to sort of use your super to pay down the mortgage prior to selling the house or to sell that, let the proceeds pay off the rest of the mortgage if there's one owing, and then add the additional proceeds to your super and maybe take that overseas and live off that money?","start":2387.28,"end":2403.325,"sentiment":"neutral","sentiment_score":0.07383108573655288},{"text":"Does that sound like what you not sure?","start":2403.545,"end":2406.97,"sentiment":"neutral","sentiment_score":-0.28784580901265144},{"text":"That's okay.","start":2407.51,"end":2408.41,"sentiment":"neutral","sentiment_score":0.265533410012722},{"text":"We got some things to definitely think about over the next six months, and I'll I'll definitely sort of check-in and ask more about that when we catch up in February just to sort of see where your plans and goals might be going.","start":2408.79,"end":2419.13,"sentiment":"positive","sentiment_score":0.36388374492526054},{"text":"One of the things you'll probably notice about me is I ask all the questions you've probably never thought about.","start":2419.725,"end":2424.125,"sentiment":"neutral","sentiment_score":0.08255728892982006}],"sentiment":"neutral","sentiment_score":0.15164325408526322,"num_words":134,"start":2387.28,"end":2424.125},{"sentences":[{"text":"So at least it'll kinda give you an idea of thinking about what you're after, where you wanna head towards, and what you maybe wanna do when you do get to those ages of retirement.","start":2424.125,"end":2434.1,"sentiment":"neutral","sentiment_score":0.2002218016556331},{"text":"Does that make sense?","start":2434.1,"end":2435.08,"sentiment":"neutral","sentiment_score":0.11197586916387081},{"text":"Yeah.","start":2436.5,"end":2437.0,"sentiment":"neutral","sentiment_score":0.27804508805274963},{"text":"I just wanted to so I'm gonna work on 60 as a bit of a baseline, which realistically, at the moment, gives us seven years.","start":2437.54,"end":2444.28,"sentiment":"neutral","sentiment_score":0.2302458429336548},{"text":"It's as of next month, we'll have about six years there.","start":2444.6602,"end":2448.2,"sentiment":"neutral","sentiment_score":0.18450343066995795}],"sentiment":"neutral","sentiment_score":0.20420257149166182,"num_words":76,"start":2424.125,"end":2448.2},{"sentences":[{"text":"Have you ever owned shares of cryptocurrency or investments in your own name before?","start":2449.4348,"end":2453.9348,"sentiment":"neutral","sentiment_score":0.0636994160179581},{"text":"No.","start":2455.275,"end":2455.755,"sentiment":"neutral","sentiment_score":-0.32494112849235535},{"text":"That's okay.","start":2455.755,"end":2456.655,"sentiment":"neutral","sentiment_score":-0.13256560638546944},{"text":"With market ups and downs, like, we've sort of seen a lot of those at the moment, how might you be feeling if your super took a bit more of a a dive, say, dropped by 20% in the next one or two years?","start":2459.035,"end":2469.94,"sentiment":"neutral","sentiment_score":-0.1349805644290014},{"text":"Do you think you'd be maybe taking it as an investment opportunity, putting money into the market?","start":2469.94,"end":2475.7,"sentiment":"neutral","sentiment_score":0.009857128429062226}],"sentiment":"neutral","sentiment_score":-0.07012633549479338,"num_words":78,"start":2449.4348,"end":2475.7},{"sentences":[{"text":"Are you feeling like you'd be calling us and having a chat about what to do, or are you feeling very nervous about the market ups and downs and wanting to sell the investment maybe to cash?","start":2475.7,"end":2485.205,"sentiment":"neutral","sentiment_score":-0.14113005431922707},{"text":"How do you think you might react in that instance?","start":2485.205,"end":2487.465,"sentiment":"neutral","sentiment_score":-0.045699842274188995},{"text":"Yep.","start":2500.0,"end":2500.5,"sentiment":"neutral","sentiment_score":-0.020744044333696365},{"text":"No.","start":2503.2002,"end":2503.6802,"sentiment":"neutral","sentiment_score":-0.08719177544116974},{"text":"Do you think you might like yeah.","start":2503.6802,"end":2506.0,"sentiment":"neutral","sentiment_score":-0.0468556529709271}],"sentiment":"neutral","sentiment_score":-0.10919171112722584,"num_words":56,"start":2475.7,"end":2506.0},{"sentences":[{"text":"You're Do you think you might be willing to maybe call us and have a chat about what's going, seeing what we can do advice wise, and, you know, try to look at what options you have moving forward?","start":2506.0,"end":2516.375,"sentiment":"neutral","sentiment_score":0.037651945383120805},{"text":"Does that sound like something that you might be open to doing, or do you think you'd just be more concerned about it?","start":2516.375,"end":2527.71,"sentiment":"neutral","sentiment_score":-0.028540840696381485},{"text":"Yep.","start":2527.71,"end":2528.03,"sentiment":"neutral","sentiment_score":0.04398713260889053},{"text":"Yep.","start":2528.03,"end":2528.27,"sentiment":"neutral","sentiment_score":0.07400725781917572},{"text":"That's okay.","start":2528.27,"end":2529.09,"sentiment":"neutral","sentiment_score":0.23947755992412567}],"sentiment":"neutral","sentiment_score":0.021347515821231133,"num_words":66,"start":2506.0,"end":2529.09},{"sentences":[{"text":"I've noted here that we're looking to try and get the best return we possibly can.","start":2530.43,"end":2534.19,"sentiment":"neutral","sentiment_score":0.22938659880310297},{"text":"And in the past, you've mentioned that you've sort of seen your sleep and not doing so well.","start":2534.19,"end":2538.625,"sentiment":"neutral","sentiment_score":-0.11716854799952772},{"text":"If you thought whenever you see your super full, how do you think you're feeling about that?","start":2539.0051,"end":2544.125,"sentiment":"neutral","sentiment_score":0.007889463949729414},{"text":"Are you optimistic about the investment opportunities?","start":2544.125,"end":2546.4053,"sentiment":"neutral","sentiment_score":0.09310726927859443},{"text":"A bit cautious, concerned, or anxious?","start":2546.4053,"end":2548.385,"sentiment":"neutral","sentiment_score":-0.24499619752168655}],"sentiment":"neutral","sentiment_score":0.013703848497243598,"num_words":64,"start":2530.43,"end":2548.385},{"sentences":[{"text":"How do you sort of feel or do you think you feel when you see you're super full?","start":2548.685,"end":2552.32,"sentiment":"neutral","sentiment_score":-0.2423478224211269},{"text":"Anxious?","start":2552.32,"end":2552.82,"sentiment":"neutral","sentiment_score":-0.18105226755142212},{"text":"Yep.","start":2552.96,"end":2553.46,"sentiment":"neutral","sentiment_score":-0.1991865634918213},{"text":"It is.","start":2555.76,"end":2556.32,"sentiment":"negative","sentiment_score":-0.3638160228729248},{"text":"Yeah.","start":2556.32,"end":2556.64,"sentiment":"neutral","sentiment_score":-0.1053035333752632}],"sentiment":"neutral","sentiment_score":-0.2424102266845496,"num_words":23,"start":2548.685,"end":2556.64},{"sentences":[{"text":"Absolutely.","start":2556.64,"end":2557.14,"sentiment":"neutral","sentiment_score":-0.08137448132038116},{"text":"Yeah.","start":2562.0,"end":2562.5,"sentiment":"neutral","sentiment_score":0.011745797470211984},{"text":"Yep.","start":2562.96,"end":2563.46,"sentiment":"neutral","sentiment_score":0.008869598619639874},{"text":"I think one of the things to point out is that whilst there are dividends that are being paid, they are compounding in.","start":2564.7148,"end":2571.035,"sentiment":"neutral","sentiment_score":-0.11516120608734048},{"text":"It's also the growth, and that's one of the biggest things.","start":2571.035,"end":2573.115,"sentiment":"neutral","sentiment_score":0.32566709410060535}],"sentiment":"neutral","sentiment_score":0.023591113780197258,"num_words":37,"start":2556.64,"end":2573.115},{"sentences":[{"text":"That's why we talk a lot about the risk factor is the growth that you see.","start":2573.115,"end":2576.4749,"sentiment":"neutral","sentiment_score":0.15038522984832525},{"text":"The growth in the portfolio is the change in the investment prices.","start":2576.4749,"end":2579.72,"sentiment":"neutral","sentiment_score":0.15432433349390826},{"text":"So as an example, if you held, say, CBA and it was worth $50 a day, tomorrow it might be worth a $100 a share.","start":2579.72,"end":2587.0798,"sentiment":"neutral","sentiment_score":0.04655333064496517},{"text":"The next day, it might only be worth $20 per share.","start":2587.0798,"end":2590.06,"sentiment":"neutral","sentiment_score":-0.03653116117824207},{"text":"And that's not necessarily a reflection of the what the company is worth.","start":2590.1199,"end":2595.095,"sentiment":"neutral","sentiment_score":-0.02647320954845502}],"sentiment":"neutral","sentiment_score":0.060725901929008494,"num_words":77,"start":2573.115,"end":2595.095},{"sentences":[{"text":"It's more just a reflection of what people are willing to pay for that.","start":2595.095,"end":2598.475,"sentiment":"neutral","sentiment_score":0.08409664646855422},{"text":"And markets go up and down for a myriad of reasons.","start":2598.935,"end":2601.995,"sentiment":"neutral","sentiment_score":-0.2548952163620429},{"text":"Essentially, it could just be that people are at the end of the financial year trying to take profits out of their investments at tax time.","start":2602.055,"end":2609.77,"sentiment":"neutral","sentiment_score":-0.20852302244076362},{"text":"In December, we tend to see a lot of those sorts of sell offs because, you know, The US tax year has finished up, so sometimes we see that.","start":2610.31,"end":2618.01,"sentiment":"neutral","sentiment_score":-0.2265010630262309},{"text":"Our financial year, we see the same thing.","start":2618.63,"end":2620.63,"sentiment":"neutral","sentiment_score":-0.09891127794981003}],"sentiment":"neutral","sentiment_score":-0.16372629504820163,"num_words":88,"start":2595.095,"end":2620.63},{"sentences":[{"text":"We tend to see markets take a little bit of a dip around about the end of June where people might be selling off for profits.","start":2620.63,"end":2626.215,"sentiment":"neutral","sentiment_score":-0.2328514399436804},{"text":"It might also just be like we saw in April this year.","start":2626.915,"end":2631.335,"sentiment":"neutral","sentiment_score":-0.18726617470383644},{"text":"The markets are going up and down because Trump sort of said something, traded something, or made a decision, and that sort of scared investors off.","start":2631.5552,"end":2638.96,"sentiment":"negative","sentiment_score":-0.4951853843835684},{"text":"And a lot of investors are older, so they are sort of looking at their funds going, oh, no.","start":2638.96,"end":2643.5999,"sentiment":"negative","sentiment_score":-0.4046229971082587},{"text":"What's this gonna mean?","start":2643.5999,"end":2644.64,"sentiment":"negative","sentiment_score":-0.43006201833486557}],"sentiment":"negative","sentiment_score":-0.3515429488201251,"num_words":87,"start":2620.63,"end":2644.64},{"sentences":[{"text":"I need to sell out now to cash before somebody else does to keep my returns.","start":2644.64,"end":2649.38,"sentiment":"negative","sentiment_score":-0.5106050353497267},{"text":"And that sort of thing starts a bit of a sell off.","start":2649.5999,"end":2652.435,"sentiment":"negative","sentiment_score":-0.4982798049847285},{"text":"Other people see it getting red and going down, and they continue to do the same thing.","start":2652.4949,"end":2656.4949,"sentiment":"negative","sentiment_score":-0.4081493563511792},{"text":"So 90% of market reactions is just human beings buying and selling.","start":2656.4949,"end":2661.635,"sentiment":"neutral","sentiment_score":0.05656753480434418},{"text":"My job is to keep you from trying to make those sorts of decisions.","start":2662.335,"end":2665.76,"sentiment":"neutral","sentiment_score":-0.12215393994535718}],"sentiment":"neutral","sentiment_score":-0.3115341130276801,"num_words":71,"start":2644.64,"end":2665.76},{"sentences":[{"text":"It's to tell you that it's okay.","start":2665.82,"end":2667.6802,"sentiment":"neutral","sentiment_score":0.23078329861164093},{"text":"And when we're looking at those sorts of things, like, no one likes to see the balance go down, but we wanna make sure you're in a portfolio that if you saw that 20% dip this year or next year, that you're not gonna make a decision to sell out of the portfolio, that you're able to sit and wait and let that portfolio come back.","start":2668.2202,"end":2686.455,"sentiment":"neutral","sentiment_score":-0.04966668158092282},{"text":"One of the biggest things that we make sure that we do is that we never recommend anything that is only been around for a short time.","start":2686.595,"end":2694.0,"sentiment":"neutral","sentiment_score":-0.17916173957012319},{"text":"All the investments that you're invested in have been around for a long period of time.","start":2694.22,"end":2698.78,"sentiment":"neutral","sentiment_score":0.028881105594336983},{"text":"They've seen, like, the GFC style events.","start":2698.78,"end":2701.34,"sentiment":"neutral","sentiment_score":0.041643512568303516}],"sentiment":"neutral","sentiment_score":-0.04671774459321324,"num_words":123,"start":2665.82,"end":2701.34},{"sentences":[{"text":"They've been through COVID.","start":2701.34,"end":2702.6401,"sentiment":"neutral","sentiment_score":0.00011141574941575527},{"text":"Those investments have withstood those downtimes and then come back and recovered as as the downtimes have kind of come back out as people have been more confident in the market.","start":2702.86,"end":2713.765,"sentiment":"neutral","sentiment_score":0.15939033524163307},{"text":"So it's one of the important things.","start":2713.825,"end":2716.065,"sentiment":"neutral","sentiment_score":0.2693013995885849},{"text":"And when we talk about risk, it's about making sure that you're in those portfolio, that you're comfortable with the ups and downs.","start":2716.065,"end":2721.8599,"sentiment":"neutral","sentiment_score":0.0495130002255673},{"text":"And when you're not, that we maybe pull back that risk level.","start":2722.24,"end":2725.54,"sentiment":"neutral","sentiment_score":-0.06432339052359264}],"sentiment":"neutral","sentiment_score":0.09342304118848466,"num_words":77,"start":2701.34,"end":2725.54},{"sentences":[{"text":"However, taking less risk in the market may means that we are also expecting lower rates of return.","start":2725.92,"end":2731.905,"sentiment":"neutral","sentiment_score":0.019386017902029887},{"text":"So it's kind of a juggling act.","start":2732.225,"end":2734.165,"sentiment":"neutral","sentiment_score":0.01315179214413677},{"text":"Are you wanting to are you comfortable taking on a bit more risk now knowing that you're gonna there is the risk of a downtime, but you're not gonna access the money in that downtime?","start":2734.225,"end":2743.685,"sentiment":"neutral","sentiment_score":-0.07184467592409678},{"text":"You've got you've got time on your side to wade through that and wait for your portfolio to recover prior to taking any money out or prior to taking large lump sums.","start":2743.745,"end":2753.72,"sentiment":"neutral","sentiment_score":-0.08445152454078197},{"text":"Does that make sense?","start":2753.72,"end":2754.5999,"sentiment":"neutral","sentiment_score":0.03268017619848251}],"sentiment":"neutral","sentiment_score":-0.04838834240217693,"num_words":96,"start":2725.92,"end":2754.5999},{"sentences":[{"text":"Does that clarify?","start":2754.5999,"end":2755.5,"sentiment":"neutral","sentiment_score":0.023609469334284466},{"text":"Yeah.","start":2756.44,"end":2756.94,"sentiment":"neutral","sentiment_score":0.1822895109653473},{"text":"So risk isn't always a bad thing.","start":2757.64,"end":2758.9377,"sentiment":"neutral","sentiment_score":0.15763512892382486},{"text":"You want good returns to take a little bit more risk to do so, but it's gotta be within a certain comfort level for you as well.","start":2758.9377,"end":2766.5051,"sentiment":"neutral","sentiment_score":0.3117229292790095},{"text":"So I'd be happy to keep you in this sort of environment.","start":2766.565,"end":2770.165,"sentiment":"positive","sentiment_score":0.7139899830023447}],"sentiment":"positive","sentiment_score":0.3668192541599274,"num_words":50,"start":2754.5999,"end":2770.165},{"sentences":[{"text":"You've scored as a growth investor, so that's okay probably for this year.","start":2770.165,"end":2775.85,"sentiment":"positive","sentiment_score":0.580526438756631},{"text":"But then maybe we look at it in February and look at maybe adjusting the risk level a little bit if you are, you know, wanting to realistically think about selling out and and taking the funds at 60.","start":2775.85,"end":2786.8901,"sentiment":"neutral","sentiment_score":-0.019699226778287154},{"text":"Does that make sense?","start":2786.8901,"end":2787.77,"sentiment":"neutral","sentiment_score":0.04081707587465644},{"text":"Do you have more questions?","start":2787.77,"end":2789.135,"sentiment":"neutral","sentiment_score":0.028080281242728232},{"text":"Did you want me to clarify anything for you?","start":2789.195,"end":2791.615,"sentiment":"neutral","sentiment_score":0.01496602925989363}],"sentiment":"neutral","sentiment_score":0.10309911189334733,"num_words":70,"start":2770.165,"end":2791.615},{"sentences":[{"text":"No?","start":2793.195,"end":2793.695,"sentiment":"neutral","sentiment_score":-0.1374388039112091},{"text":"Wow.","start":2800.155,"end":2800.655,"sentiment":"neutral","sentiment_score":-0.11509308218955994},{"text":"That would have been a long time ago.","start":2801.2751,"end":2803.215,"sentiment":"neutral","sentiment_score":-0.14781205356121063},{"text":"Wow.","start":2804.6099,"end":2805.1099,"sentiment":"neutral","sentiment_score":-0.048521123826503754},{"text":"Yeah.","start":2808.7698,"end":2809.2698,"sentiment":"neutral","sentiment_score":-0.08520232886075974}],"sentiment":"neutral","sentiment_score":-0.1307293139398098,"num_words":12,"start":2793.195,"end":2809.2698},{"sentences":[{"text":"Yeah.","start":2813.5698,"end":2813.97,"sentiment":"neutral","sentiment_score":-0.03493870049715042},{"text":"Wow.","start":2813.97,"end":2814.47,"sentiment":"neutral","sentiment_score":-0.08128049224615097},{"text":"Yeah.","start":2817.41,"end":2817.91,"sentiment":"neutral","sentiment_score":-0.01370399445295334},{"text":"Yeah.","start":2824.075,"end":2824.575,"sentiment":"neutral","sentiment_score":-0.018516860902309418},{"text":"Yeah.","start":2828.715,"end":2829.215,"sentiment":"neutral","sentiment_score":-0.015094392001628876}],"sentiment":"neutral","sentiment_score":-0.032706888020038606,"num_words":5,"start":2813.5698,"end":2829.215},{"sentences":[{"text":"Let me have a quick look for you.","start":2830.715,"end":2834.66,"sentiment":"neutral","sentiment_score":0.01375510182697326},{"text":"Wow.","start":2838.08,"end":2838.32,"sentiment":"neutral","sentiment_score":0.06615601480007172},{"text":"And yeah.","start":2838.32,"end":2844.8,"sentiment":"neutral","sentiment_score":0.10314642451703547},{"text":"So that's a bit of an inheritance down the track for you as well someday.","start":2844.8,"end":2848.725,"sentiment":"positive","sentiment_score":0.38740660548210143},{"text":"Yeah.","start":2855.745,"end":2856.245,"sentiment":"neutral","sentiment_score":-0.1682220995426178}],"sentiment":"neutral","sentiment_score":0.22316172819032712,"num_words":27,"start":2830.715,"end":2856.245},{"sentences":[{"text":"Oh, that's the same.","start":2860.385,"end":2862.15,"sentiment":"neutral","sentiment_score":-0.04850575793534517},{"text":"Yeah.","start":2862.17,"end":2862.67,"sentiment":"neutral","sentiment_score":-0.023268945515155792},{"text":"Yeah.","start":2867.5298,"end":2868.0298,"sentiment":"neutral","sentiment_score":0.032594725489616394},{"text":"Wow.","start":2868.0898,"end":2868.5898,"sentiment":"neutral","sentiment_score":0.04134739935398102},{"text":"How progressed is it?","start":2869.21,"end":2870.8298,"sentiment":"neutral","sentiment_score":0.058865302707999945}],"sentiment":"neutral","sentiment_score":0.008373759856278246,"num_words":11,"start":2860.385,"end":2870.8298},{"sentences":[{"text":"Yeah.","start":2884.105,"end":2884.605,"sentiment":"neutral","sentiment_score":0.05840560793876648},{"text":"Yeah.","start":2894.74,"end":2894.98,"sentiment":"neutral","sentiment_score":-0.13960283994674683},{"text":"Yeah.","start":2894.98,"end":2895.48,"sentiment":"neutral","sentiment_score":-0.2498761415481567},{"text":"Balon is not a bad place to be.","start":2907.355,"end":2909.535,"sentiment":"positive","sentiment_score":0.47234923392534256},{"text":"Yeah.","start":2918.86,"end":2919.36,"sentiment":"neutral","sentiment_score":0.29973942041397095}],"sentiment":"neutral","sentiment_score":0.3122883265217145,"num_words":12,"start":2884.105,"end":2919.36},{"sentences":[{"text":"Yes.","start":2921.66,"end":2922.16,"sentiment":"neutral","sentiment_score":0.24407027661800385},{"text":"Yes.","start":2931.1948,"end":2931.595,"sentiment":"neutral","sentiment_score":0.15048812329769137},{"text":"Yeah.","start":2931.595,"end":2932.095,"sentiment":"neutral","sentiment_score":0.18377473950386047},{"text":"I understand 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Point.","start":2942.18,"end":2949.24,"sentiment":"neutral","sentiment_score":0.030132758107198322},{"text":"Yeah.","start":2949.46,"end":2949.96,"sentiment":"neutral","sentiment_score":0.1355130970478058},{"text":"Yep.","start":2951.06,"end":2951.56,"sentiment":"neutral","sentiment_score":0.043725624680519104},{"text":"Yeah.","start":2953.3801,"end":2953.86,"sentiment":"neutral","sentiment_score":0.02594561129808426},{"text":"Wow.","start":2953.86,"end":2954.115,"sentiment":"neutral","sentiment_score":0.0304504819214344}],"sentiment":"neutral","sentiment_score":0.03439586116345944,"num_words":27,"start":2942.18,"end":2954.115},{"sentences":[{"text":"Yep.","start":2956.435,"end":2956.935,"sentiment":"neutral","sentiment_score":0.013783453963696957},{"text":"Yeah.","start":2958.435,"end":2958.755,"sentiment":"neutral","sentiment_score":0.014561890624463558},{"text":"Wow.","start":2958.755,"end":2959.255,"sentiment":"neutral","sentiment_score":0.02274945378303528},{"text":"Yeah.","start":2961.555,"end":2961.955,"sentiment":"neutral","sentiment_score":0.1344359964132309},{"text":"Nice.","start":2961.955,"end":2962.455,"sentiment":"positive","sentiment_score":0.33406180143356323}],"sentiment":"neutral","sentiment_score":0.10391851924359799,"num_words":5,"start":2956.435,"end":2962.455},{"sentences":[{"text":"Nice.","start":2962.915,"end":2963.415,"sentiment":"neutral","sentiment_score":0.2720375061035156},{"text":"Yep.","start":2965.875,"end":2966.275,"sentiment":"neutral","sentiment_score":0.019865024834871292},{"text":"Yep.","start":2966.275,"end":2966.58,"sentiment":"neutral","sentiment_score":0.007849236950278282},{"text":"It's a little bit further up than Byron, so it's about, say, half an hour north of Byron, and then about an hour away from Ballina.","start":2973.22,"end":2981.885,"sentiment":"neutral","sentiment_score":-0.020144131195803102},{"text":"North.","start":2982.905,"end":2983.405,"sentiment":"neutral","sentiment_score":-0.008745324797928333}],"sentiment":"neutral","sentiment_score":-0.007758032266671459,"num_words":30,"start":2962.915,"end":2983.405},{"sentences":[{"text":"Yeah.","start":2984.105,"end":2984.605,"sentiment":"neutral","sentiment_score":-0.014207438565790651},{"text":"It 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okay.","start":2994.825,"end":2995.725,"sentiment":"neutral","sentiment_score":-0.040705468505620956},{"text":"Yeah.","start":2999.4102,"end":2999.7302,"sentiment":"neutral","sentiment_score":-0.019940944388508797}],"sentiment":"neutral","sentiment_score":-0.0012629529844750376,"num_words":17,"start":2987.385,"end":2999.7302},{"sentences":[{"text":"Well, see, you live in the right place for that.","start":2999.7302,"end":3001.6501,"sentiment":"neutral","sentiment_score":0.22987396121025086},{"text":"You've got Byron, Lennox, Ballina.","start":3001.6501,"end":3003.9902,"sentiment":"neutral","sentiment_score":0.2333538591861725},{"text":"Oh, the headlands there are great for 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Australia Post, or are you more subcontracting?","start":3039.0051,"end":3045.985,"sentiment":"neutral","sentiment_score":0.01708597004956876}],"sentiment":"neutral","sentiment_score":0.02193654080786343,"num_words":28,"start":3035.94,"end":3045.985},{"sentences":[{"text":"How does that sort of work?","start":3046.445,"end":3047.905,"sentiment":"neutral","sentiment_score":-0.03826703845212857},{"text":"Yeah.","start":3052.5251,"end":3052.95,"sentiment":"neutral","sentiment_score":-0.01755864918231964},{"text":"Right.","start":3058.8699,"end":3059.3699,"sentiment":"neutral","sentiment_score":-0.026852723211050034},{"text":"Yeah.","start":3059.91,"end":3060.31,"sentiment":"neutral","sentiment_score":-0.006079576909542084},{"text":"Wow.","start":3060.31,"end":3060.81,"sentiment":"neutral","sentiment_score":0.024487826973199844}],"sentiment":"neutral","sentiment_score":-0.025560535304248334,"num_words":10,"start":3046.445,"end":3060.81},{"sentences":[{"text":"Yeah.","start":3064.95,"end":3065.355,"sentiment":"neutral","sentiment_score":-0.020077843219041824},{"text":"Wow.","start":3067.915,"end":3068.415,"sentiment":"neutral","sentiment_score":0.027194105088710785},{"text":"Yeah.","start":3068.475,"end":3068.795,"sentiment":"neutral","sentiment_score":0.0251544788479805},{"text":"Okay.","start":3068.795,"end":3069.275,"sentiment":"neutral","sentiment_score":0.02636967971920967},{"text":"Right.","start":3069.275,"end":3069.515,"sentiment":"neutral","sentiment_score":0.03939775004982948}],"sentiment":"neutral","sentiment_score":0.019607634097337723,"num_words":5,"start":3064.95,"end":3069.515},{"sentences":[{"text":"Yep.","start":3069.515,"end":3070.015,"sentiment":"neutral","sentiment_score":0.030325956642627716},{"text":"Yep.","start":3071.435,"end":3071.915,"sentiment":"neutral","sentiment_score":0.018997400999069217},{"text":"So this is the pay Sorry.","start":3071.915,"end":3074.2349,"sentiment":"neutral","sentiment_score":-0.0261149937286973},{"text":"You're right.","start":3074.2349,"end":3074.975,"sentiment":"neutral","sentiment_score":-0.04197505861520767},{"text":"Okay.","start":3078.2349,"end":3078.63,"sentiment":"neutral","sentiment_score":-0.006583962589502335}],"sentiment":"neutral","sentiment_score":-0.01799097132276405,"num_words":11,"start":3069.515,"end":3078.63},{"sentences":[{"text":"Yes.","start":3080.39,"end":3080.89,"sentiment":"neutral","sentiment_score":-0.02653367817401886},{"text":"Yay.","start":3096.405,"end":3096.905,"sentiment":"neutral","sentiment_score":-0.0994420051574707},{"text":"I could only imagine the amount of gets that has to be delivered around Christmas 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Yep.","start":3303.26,"end":3314.7751,"sentiment":"neutral","sentiment_score":-0.059084835927933455},{"text":"You're right.","start":3314.7751,"end":3315.495,"sentiment":"neutral","sentiment_score":0.03466641344130039}],"sentiment":"neutral","sentiment_score":-0.06858413200825453,"num_words":11,"start":3280.47,"end":3315.495},{"sentences":[{"text":"Wow.","start":3315.495,"end":3315.995,"sentiment":"neutral","sentiment_score":0.041492216289043427},{"text":"Well, hopefully, you find a business to purchase soon, something that, you know, you're happy doing and oh, you're right.","start":3321.175,"end":3333.33,"sentiment":"neutral","sentiment_score":0.18173294924199582},{"text":"Okay.","start":3337.6301,"end":3338.085,"sentiment":"neutral","sentiment_score":0.06429604440927505},{"text":"Yeah.","start":3348.165,"end":3348.665,"sentiment":"neutral","sentiment_score":-0.008070740848779678},{"text":"Yeah.","start":3348.885,"end":3349.385,"sentiment":"neutral","sentiment_score":-0.0227646604180336}],"sentiment":"neutral","sentiment_score":0.1545671601779759,"num_words":24,"start":3315.495,"end":3349.385},{"sentences":[{"text":"Yeah.","start":3355.15,"end":3355.65,"sentiment":"neutral","sentiment_score":-0.007803476415574551},{"text":"K.","start":3357.15,"end":3357.65,"sentiment":"neutral","sentiment_score":-0.002958210650831461},{"text":"Oh, go.","start":3359.39,"end":3359.95,"sentiment":"neutral","sentiment_score":-0.027734478004276752},{"text":"We'll have That's all good.","start":3359.95,"end":3366.345,"sentiment":"neutral","sentiment_score":0.32732665687799456},{"text":"I just wanted to update a few additional things for you.","start":3366.345,"end":3368.985,"sentiment":"neutral","sentiment_score":0.21163780174472116}],"sentiment":"neutral","sentiment_score":0.1949209230253473,"num_words":20,"start":3355.15,"end":3368.985},{"sentences":[{"text":"Now the other thing I sort of wanted to pull up was that you don't have any life, TPD, income protection, or trauma insurances.","start":3368.985,"end":3375.405,"sentiment":"neutral","sentiment_score":-0.06574867091452082},{"text":"You're comfortable with that position not having any personal insurance cover?","start":3375.545,"end":3379.8901,"sentiment":"neutral","sentiment_score":-0.15626224333589728},{"text":"No.","start":3382.91,"end":3383.1501,"sentiment":"neutral","sentiment_score":-0.1664859801530838},{"text":"That's okay.","start":3383.1501,"end":3383.79,"sentiment":"neutral","sentiment_score":-0.07234195992350578},{"text":"Not a problem at all.","start":3383.79,"end":3385.09,"sentiment":"neutral","sentiment_score":-0.0934779554605484}],"sentiment":"neutral","sentiment_score":-0.09477703385921411,"num_words":43,"start":3368.985,"end":3385.09},{"sentences":[{"text":"No.","start":3388.19,"end":3388.69,"sentiment":"neutral","sentiment_score":-0.11317773908376694},{"text":"No.","start":3388.99,"end":3389.1501,"sentiment":"neutral","sentiment_score":-0.1556607484817505},{"text":"That's okay.","start":3389.1501,"end":3389.95,"sentiment":"neutral","sentiment_score":-0.044821372255682945},{"text":"All good.","start":3389.95,"end":3390.69,"sentiment":"neutral","sentiment_score":0.20851340144872665},{"text":"I've got your assets here.","start":3391.185,"end":3392.625,"sentiment":"neutral","sentiment_score":0.05765174850821495}],"sentiment":"neutral","sentiment_score":0.031527664851058616,"num_words":11,"start":3388.19,"end":3392.625},{"sentences":[{"text":"Your house at the moment.","start":3392.625,"end":3393.825,"sentiment":"neutral","sentiment_score":0.011650415882468224},{"text":"Last valuation was about 400,000.","start":3393.825,"end":3396.405,"sentiment":"neutral","sentiment_score":-0.028827797248959543},{"text":"Would you change or alter that valuation at the moment or keep it the same?","start":3396.465,"end":3400.165,"sentiment":"neutral","sentiment_score":-0.04162006589273612},{"text":"Okay.","start":3404.865,"end":3405.27,"sentiment":"neutral","sentiment_score":-0.05176111310720444},{"text":"About $4.80.","start":3408.31,"end":3409.19,"sentiment":"neutral","sentiment_score":-0.016446658177301288}],"sentiment":"neutral","sentiment_score":-0.028387225881618048,"num_words":28,"start":3392.625,"end":3409.19},{"sentences":[{"text":"Perfect.","start":3409.19,"end":3409.69,"sentiment":"neutral","sentiment_score":0.2820449471473694},{"text":"Let's update that for you.","start":3409.83,"end":3411.45,"sentiment":"neutral","sentiment_score":0.17569345086812974},{"text":"I also have your G six E turbo, rough valuation 50,000.","start":3411.83,"end":3417.05,"sentiment":"neutral","sentiment_score":0.04541012644767761},{"text":"Would you keep it about the same or alter that value?","start":3417.67,"end":3423.185,"sentiment":"neutral","sentiment_score":0.02266538075425408},{"text":"Yep.","start":3423.185,"end":3423.685,"sentiment":"neutral","sentiment_score":0.052122458815574646}],"sentiment":"neutral","sentiment_score":0.06763673239740832,"num_words":29,"start":3409.19,"end":3423.685},{"sentences":[{"text":"Awesome.","start":3424.625,"end":3425.0251,"sentiment":"positive","sentiment_score":0.3522721529006958},{"text":"I've got an old Ford Coupe as well at 65,000 of value.","start":3425.0251,"end":3429.0251,"sentiment":"neutral","sentiment_score":0.11147749051451683},{"text":"Would you keep that the same, Alter It?","start":3429.0251,"end":3431.205,"sentiment":"neutral","sentiment_score":0.027050272561609745},{"text":"Beautiful.","start":3433.5051,"end":3434.0051,"sentiment":"neutral","sentiment_score":0.30964475870132446},{"text":"And then we've got a Ford Ute evaluation there of 18,000.","start":3434.0652,"end":3438.21,"sentiment":"neutral","sentiment_score":0.05434225330298597}],"sentiment":"neutral","sentiment_score":0.08526708377581654,"num_words":33,"start":3424.625,"end":3438.21},{"sentences":[{"text":"Would you alter or change that in any way, shape, or form?","start":3438.2698,"end":3441.17,"sentiment":"neutral","sentiment_score":0.009159490388507644},{"text":"Yep.","start":3444.75,"end":3444.99,"sentiment":"neutral","sentiment_score":0.05294701084494591},{"text":"That's okay.","start":3444.99,"end":3445.8098,"sentiment":"neutral","sentiment_score":0.10390931367874146},{"text":"Not a problem at all.","start":3445.8699,"end":3447.17,"sentiment":"neutral","sentiment_score":0.08015659675002099},{"text":"And then I've also got a Nissan truck here with a valuation of 20,000.","start":3447.63,"end":3452.165,"sentiment":"neutral","sentiment_score":0.06609245682401317}],"sentiment":"neutral","sentiment_score":0.049904614769141466,"num_words":34,"start":3438.2698,"end":3452.165},{"sentences":[{"text":"Would you alter or change that one?","start":3452.165,"end":3455.225,"sentiment":"neutral","sentiment_score":-0.10247380126799856},{"text":"Yep.","start":3456.005,"end":3456.2449,"sentiment":"neutral","sentiment_score":0.028509274125099186},{"text":"That's alright.","start":3456.2449,"end":3457.065,"sentiment":"neutral","sentiment_score":0.028720034286379814},{"text":"Is there any other assets, liabilities, or anything else that we would need to note down for the change of circumstances at all?","start":3457.285,"end":3463.62,"sentiment":"neutral","sentiment_score":-0.003982225554468839},{"text":"No.","start":3465.78,"end":3466.1,"sentiment":"neutral","sentiment_score":-0.19769230484962463}],"sentiment":"neutral","sentiment_score":-0.027077963493545267,"num_words":34,"start":3452.165,"end":3466.1},{"sentences":[{"text":"That's okay.","start":3466.1,"end":3466.9202,"sentiment":"neutral","sentiment_score":0.03803348168730736},{"text":"All good.","start":3466.9802,"end":3467.7202,"sentiment":"positive","sentiment_score":0.4265652000904083},{"text":"I've also got it noted here that we don't have a beneficiary nomination on file for you at the moment.","start":3468.1802,"end":3473.8,"sentiment":"neutral","sentiment_score":-0.10452132131904364},{"text":"So given your current circumstances, if you were to, say, pass away now, not having a beneficiary means that your super has no direction on where you would want that money to be paid to.","start":3473.86,"end":3484.755,"sentiment":"neutral","sentiment_score":-0.2263665286558015},{"text":"Have you sort of thought about what would happen to your super if you were to pass away, where you want that to go.","start":3485.535,"end":3495.83,"sentiment":"neutral","sentiment_score":-0.17755440870920816}],"sentiment":"neutral","sentiment_score":-0.1607875105397529,"num_words":83,"start":3466.1,"end":3495.83},{"sentences":[{"text":"Yep.","start":3495.89,"end":3496.39,"sentiment":"neutral","sentiment_score":0.027647806331515312},{"text":"Yep.","start":3496.53,"end":3497.03,"sentiment":"neutral","sentiment_score":0.03847214952111244},{"text":"So I've got down here with regard to the will.","start":3497.09,"end":3499.73,"sentiment":"neutral","sentiment_score":0.02001592135056853},{"text":"So as with super, there's rules around everything.","start":3499.73,"end":3503.33,"sentiment":"neutral","sentiment_score":-0.0027053187950514257},{"text":"We can't nominate your mom directly as a beneficiary, but have you got a will?","start":3503.33,"end":3508.045,"sentiment":"neutral","sentiment_score":-0.03784009007116159}],"sentiment":"neutral","sentiment_score":-0.009227563773414918,"num_words":35,"start":3495.89,"end":3508.045},{"sentences":[{"text":"It looks like there was yep.","start":3508.345,"end":3518.765,"sentiment":"neutral","sentiment_score":-0.02714437060058117},{"text":"So what?","start":3520.345,"end":3521.13,"sentiment":"neutral","sentiment_score":-0.03999403491616249},{"text":"Okay.","start":3524.41,"end":3524.91,"sentiment":"neutral","sentiment_score":-0.053688328713178635},{"text":"Yeah.","start":3534.97,"end":3535.2898,"sentiment":"neutral","sentiment_score":0.013445552438497543},{"text":"You're right.","start":3535.2898,"end":3547.5251,"sentiment":"neutral","sentiment_score":0.03891601413488388}],"sentiment":"neutral","sentiment_score":-0.017105420120060444,"num_words":12,"start":3508.345,"end":3547.5251},{"sentences":[{"text":"Yep.","start":3556.24,"end":3556.5598,"sentiment":"neutral","sentiment_score":0.06483413279056549},{"text":"That's okay.","start":3556.5598,"end":3557.38,"sentiment":"neutral","sentiment_score":0.09025441855192184},{"text":"So with the beneficiary nomination not being on file, in order for it to sort of go to your to your mom or your brother, it does need to be directed through your, through to your will.","start":3557.44,"end":3568.605,"sentiment":"neutral","sentiment_score":-0.02611569264853323},{"text":"There is a way we can nominate a beneficiary on file where we pick the legal personal representative, which just means if you were to pass away, your super balance would then be paid direct to your estate.","start":3569.065,"end":3579.6199,"sentiment":"neutral","sentiment_score":0.031098243682400176},{"text":"And then as long as your will is valid, it would be directed out as per your will.","start":3579.68,"end":3585.28,"sentiment":"neutral","sentiment_score":0.05034807945291201}],"sentiment":"neutral","sentiment_score":0.014240219083148986,"num_words":96,"start":3556.24,"end":3585.28},{"sentences":[{"text":"Is that kind of what you would want to happen to your super?","start":3585.28,"end":3588.9,"sentiment":"neutral","sentiment_score":0.02746920373577338},{"text":"Yep.","start":3589.3599,"end":3589.8599,"sentiment":"neutral","sentiment_score":0.12477349489927292},{"text":"Are you I can organize the beneficiary forms to be pre filled if you're comfortable with us picking that LPR.","start":3590.0798,"end":3596.635,"sentiment":"neutral","sentiment_score":0.16151987574994564},{"text":"Did you want me to pre fill that, tick the box for you?","start":3596.7751,"end":3599.5151,"sentiment":"neutral","sentiment_score":0.10996612734519519},{"text":"Yep.","start":3601.0151,"end":3601.335,"sentiment":"neutral","sentiment_score":0.23714861273765564}],"sentiment":"neutral","sentiment_score":0.11206206097267568,"num_words":48,"start":3585.28,"end":3601.335},{"sentences":[{"text":"Beautiful.","start":3601.335,"end":3601.815,"sentiment":"positive","sentiment_score":0.6291669607162476},{"text":"We'll get it sent out with some direction.","start":3601.815,"end":3603.495,"sentiment":"positive","sentiment_score":0.47987161111086607},{"text":"You just need to sign and return it back and have a couple of people witness it.","start":3603.495,"end":3607.175,"sentiment":"neutral","sentiment_score":0.05659344244529219},{"text":"So two people over the 18, if they can just witness you signing it, then send it back to us so we can have it, attached for you.","start":3607.175,"end":3614.5,"sentiment":"neutral","sentiment_score":0.08079207595437765},{"text":"Now there are three types of nominations you can have for a beneficiary.","start":3614.88,"end":3618.5798,"sentiment":"neutral","sentiment_score":0.06370843115907449}],"sentiment":"neutral","sentiment_score":0.1271733746710998,"num_words":67,"start":3601.335,"end":3618.5798},{"sentences":[{"text":"The first one is nonbinding, where the trustee you make the the nomination.","start":3618.88,"end":3623.355,"sentiment":"neutral","sentiment_score":0.04648253550896278},{"text":"The trustee, if you pass away, decides whether they're gonna you know, whether it's followable.","start":3623.4949,"end":3627.755,"sentiment":"neutral","sentiment_score":0.049990742653608325},{"text":"It's just you know, they get to decide.","start":3627.815,"end":3629.675,"sentiment":"neutral","sentiment_score":0.0630123345181346},{"text":"They have a a binding which means that you have to update the nomination every three years, or we can do a binding non lapsing.","start":3630.4548,"end":3637.59,"sentiment":"neutral","sentiment_score":0.04615518361330032},{"text":"So you fill it out now.","start":3637.59,"end":3638.79,"sentiment":"neutral","sentiment_score":0.09675889213879903}],"sentiment":"neutral","sentiment_score":0.05362187642882119,"num_words":67,"start":3618.88,"end":3638.79},{"sentences":[{"text":"We have it applied, and you never have to refill that format again unless you wanna change or update that nomination.","start":3638.79,"end":3645.29,"sentiment":"neutral","sentiment_score":0.09078489882605416},{"text":"Do you have a preference on which one you'd wanna go with?","start":3646.0552,"end":3649.3552,"sentiment":"neutral","sentiment_score":0.014704116542513171},{"text":"Yeah.","start":3650.375,"end":3650.7751,"sentiment":"neutral","sentiment_score":0.09582631289958954},{"text":"Beautiful.","start":3650.7751,"end":3651.2751,"sentiment":"positive","sentiment_score":0.391706109046936},{"text":"Let's fill it out once and once only.","start":3651.735,"end":3653.5752,"sentiment":"neutral","sentiment_score":0.13276237808167934}],"sentiment":"neutral","sentiment_score":0.08447822605714549,"num_words":43,"start":3638.79,"end":3653.5752},{"sentences":[{"text":"Hey.","start":3653.5752,"end":3654.0752,"sentiment":"neutral","sentiment_score":0.32143789529800415},{"text":"Lovely.","start":3655.5752,"end":3656.0752,"sentiment":"positive","sentiment_score":0.4833990931510926},{"text":"I can get that nomination pre filled and ticked if you're comfortable with me doing so.","start":3656.7751,"end":3660.52,"sentiment":"positive","sentiment_score":0.39885248243808746},{"text":"Are you happy with me pre filling those details in your beneficiary?","start":3660.52,"end":3664.22,"sentiment":"neutral","sentiment_score":0.21270341922839484},{"text":"Beautiful.","start":3664.52,"end":3665.02,"sentiment":"positive","sentiment_score":0.42051807045936584}],"sentiment":"neutral","sentiment_score":0.32772373576318065,"num_words":31,"start":3653.5752,"end":3665.02},{"sentences":[{"text":"My team can email it or post it out to you or both.","start":3665.48,"end":3668.44,"sentiment":"neutral","sentiment_score":0.2043937364449868},{"text":"What would you prefer?","start":3668.44,"end":3669.5798,"sentiment":"neutral","sentiment_score":0.07086323387920856},{"text":"Post, email, both?","start":3669.64,"end":3671.18,"sentiment":"neutral","sentiment_score":0.03192040448387464},{"text":"It has to be web signed, so with a a pen and paper.","start":3675.6648,"end":3679.045,"sentiment":"neutral","sentiment_score":0.018627147691754196},{"text":"Yep.","start":3681.505,"end":3681.9849,"sentiment":"neutral","sentiment_score":0.11549844592809676}],"sentiment":"neutral","sentiment_score":0.09982306143159375,"num_words":34,"start":3665.48,"end":3681.9849},{"sentences":[{"text":"Yep.","start":3681.9849,"end":3682.385,"sentiment":"neutral","sentiment_score":0.06541226804256439},{"text":"Beautiful.","start":3682.385,"end":3682.885,"sentiment":"neutral","sentiment_score":0.06582215428352356},{"text":"That's okay.","start":3685.6648,"end":3686.385,"sentiment":"neutral","sentiment_score":0.1607842743396759},{"text":"We can get out to you and follow it up to make sure it is all applied there.","start":3686.385,"end":3690.34,"sentiment":"neutral","sentiment_score":0.2127422715226809},{"text":"On the and your review packet that I did email through, it has the information around your portfolio, how it's performed, your updated super balance there as well.","start":3690.8,"end":3699.255,"sentiment":"neutral","sentiment_score":0.19089157400386675}],"sentiment":"neutral","sentiment_score":0.1925425586104393,"num_words":50,"start":3681.9849,"end":3699.255},{"sentences":[{"text":"It's also got the financial services guide, which has all of my information as a licensed adviser.","start":3699.4949,"end":3704.295,"sentiment":"neutral","sentiment_score":0.18843816045452566},{"text":"If you wanna have a look in that, sort of lovely photo of me as well.","start":3704.295,"end":3707.515,"sentiment":"positive","sentiment_score":0.3589289989322424},{"text":"It just outlines everything about who we are, what we do, and how we do it.","start":3707.815,"end":3711.255,"sentiment":"neutral","sentiment_score":0.1456341720186174},{"text":"It is a legal document.","start":3711.255,"end":3712.6348,"sentiment":"neutral","sentiment_score":0.06751732081174851},{"text":"I always tell people, if you have trouble sleeping one night without the FSG and not get cold in a few seconds, they are generally that boring.","start":3713.1501,"end":3720.29,"sentiment":"neutral","sentiment_score":-0.17690163809392187}],"sentiment":"neutral","sentiment_score":0.08441607207979684,"num_words":81,"start":3699.4949,"end":3720.29},{"sentences":[{"text":"But it does outline everything about who we are, what we do, the services we provide there.","start":3720.9102,"end":3725.4102,"sentiment":"neutral","sentiment_score":0.24952683203360615},{"text":"And then it's also got your ongoing service agreement for the next twelve months.","start":3725.875,"end":3729.715,"sentiment":"neutral","sentiment_score":0.16757297409432276},{"text":"So with your balance, we've actually updated our fee structure.","start":3729.715,"end":3733.0151,"sentiment":"neutral","sentiment_score":0.14987982138991357},{"text":"So once your super balance goes over the $200,000 threshold, you'll move into the lower tier.","start":3733.235,"end":3739.475,"sentiment":"neutral","sentiment_score":0.07619775552302599},{"text":"So as your balance increases over time, the the amount you pay as a percentage for our services does kinda decrease as you drop to the threshold.","start":3739.475,"end":3748.9502,"sentiment":"neutral","sentiment_score":-0.03770971160244058}],"sentiment":"neutral","sentiment_score":0.09866402227254141,"num_words":84,"start":3720.9102,"end":3748.9502},{"sentences":[{"text":"Because you're on your balance is under 200,000 at the moment, you're still on 1.65%.","start":3749.4102,"end":3754.55,"sentiment":"neutral","sentiment_score":-0.04397279433906078},{"text":"The main thing is our our tiered structure or our fee used to just be the 1.65% entered.","start":3755.165,"end":3762.305,"sentiment":"neutral","sentiment_score":0.02785014919936657},{"text":"We have now worked it out to be a set dollar figure fee for you, and that means that the way it used to work is when the balance went up and down, the fee would also go up and down with it, but it meant that if your balance kept increasing, our fee kept on increasing with it.","start":3762.605,"end":3777.85,"sentiment":"neutral","sentiment_score":0.004680393674110962},{"text":"The way we will work it out now is that we work out the 1.65 based on your current balance.","start":3777.9102,"end":3783.475,"sentiment":"neutral","sentiment_score":0.14385655783116819},{"text":"We add a 5% return to it, and then we work out the set dollar figure fee.","start":3783.475,"end":3787.815,"sentiment":"neutral","sentiment_score":0.1818566918373108}],"sentiment":"neutral","sentiment_score":0.04718254972971225,"num_words":129,"start":3749.4102,"end":3787.815},{"sentences":[{"text":"And that basically gives you more certainty around how much you pay for our services for the year, and the fee doesn't go over that amount.","start":3787.955,"end":3794.995,"sentiment":"neutral","sentiment_score":0.17778456468994802},{"text":"So if you get a 20 return on your super, you don't your fee doesn't go up anymore over that dollar figure fee for the rest of the year.","start":3794.995,"end":3802.7,"sentiment":"neutral","sentiment_score":0.10774471978496375},{"text":"Does that make sense?","start":3802.7,"end":3803.7598,"sentiment":"neutral","sentiment_score":0.13989794999361038},{"text":"Yeah.","start":3804.94,"end":3805.18,"sentiment":"positive","sentiment_score":0.4194289445877075},{"text":"The idea is it gives you a lot more certainty there.","start":3805.18,"end":3807.5798,"sentiment":"positive","sentiment_score":0.4638280218297785}],"sentiment":"neutral","sentiment_score":0.19476231747031422,"num_words":71,"start":3787.955,"end":3807.5798},{"sentences":[{"text":"And as we build your super balance up over those thresholds, the tiers do get cheaper and cheaper for you.","start":3807.5798,"end":3813.2651,"sentiment":"positive","sentiment_score":0.4962780728936195},{"text":"So we wanna make sure that we're looking after and being open with everything.","start":3813.2651,"end":3816.885,"sentiment":"positive","sentiment_score":0.3402493361915861},{"text":"But the ongoing service agreement is in there for you.","start":3817.5051,"end":3820.145,"sentiment":"neutral","sentiment_score":0.2657417684793472},{"text":"We've worked out for our fees for this year.","start":3820.145,"end":3822.385,"sentiment":"neutral","sentiment_score":0.2787569330798255},{"text":"It is $2,175.22.","start":3822.385,"end":3826.16,"sentiment":"neutral","sentiment_score":0.17848863204320273}],"sentiment":"positive","sentiment_score":0.36412050255707334,"num_words":56,"start":3807.5798,"end":3826.16},{"sentences":[{"text":"You will not pay anything more than that for our services.","start":3826.7,"end":3829.76,"sentiment":"neutral","sentiment_score":0.15464062853292984},{"text":"It's just deducted out of your super in smaller monthly increments, and we'll keep reviewing that moving forward.","start":3829.82,"end":3836.0151,"sentiment":"neutral","sentiment_score":0.23593777956234085},{"text":"I would like to make sure that your super grows and makes more than that over the next year to make it worthwhile.","start":3836.0151,"end":3841.955,"sentiment":"positive","sentiment_score":0.6132623345955558},{"text":"If at any point I feel like our services are not you're not getting the value out of our services, then I'll turn that fee off.","start":3842.655,"end":3849.48,"sentiment":"neutral","sentiment_score":-0.24047024290149027},{"text":"But for now, I wanna make sure we're working on things and do a catch up with you and look at providing some advice down the track to help you along.","start":3849.72,"end":3856.94,"sentiment":"neutral","sentiment_score":0.20561535704520442}],"sentiment":"neutral","sentiment_score":0.1850900036205939,"num_words":109,"start":3826.7,"end":3856.94},{"sentences":[{"text":"Does that sound okay?","start":3857.24,"end":3858.28,"sentiment":"neutral","sentiment_score":0.1656450778245926},{"text":"Do you have any questions?","start":3858.28,"end":3859.5,"sentiment":"neutral","sentiment_score":0.049940890073776244},{"text":"Beautiful.","start":3862.84,"end":3863.34,"sentiment":"neutral","sentiment_score":-0.14424322545528412},{"text":"Well, if you're do so, I'll get you to sign and return those documents back to me as soon as you possibly can.","start":3863.4,"end":3868.925,"sentiment":"neutral","sentiment_score":0.07034763847680195},{"text":"Other than that, I'll get the beneficiary nomination sorted for you, and I've got you down to do a catch up in February, and we'll look at how things are tracking then for you.","start":3869.305,"end":3878.605,"sentiment":"neutral","sentiment_score":0.13909157738089561}],"sentiment":"neutral","sentiment_score":0.10619628137505766,"num_words":67,"start":3857.24,"end":3878.605},{"sentences":[{"text":"Okay?","start":3881.39,"end":3881.89,"sentiment":"neutral","sentiment_score":0.14168329536914823},{"text":"Excellent.","start":3881.95,"end":3882.43,"sentiment":"positive","sentiment_score":0.658230721950531},{"text":"Awesome.","start":3882.43,"end":3882.93,"sentiment":"positive","sentiment_score":0.6280950307846069},{"text":"Yeah.","start":3884.27,"end":3884.77,"sentiment":"neutral","sentiment_score":0.2889634668827057},{"text":"Absolutely.","start":3891.39,"end":3891.89,"sentiment":"neutral","sentiment_score":0.08435702323913574}],"sentiment":"positive","sentiment_score":0.36026590764522554,"num_words":5,"start":3881.39,"end":3891.89},{"sentences":[{"text":"After three.","start":3892.67,"end":3901.9648,"sentiment":"neutral","sentiment_score":-0.009221693500876428},{"text":"Yep.","start":3901.9648,"end":3902.4648,"sentiment":"neutral","sentiment_score":0.02233332395553589},{"text":"No.","start":3903.005,"end":3903.2449,"sentiment":"neutral","sentiment_score":0.05437856912612915},{"text":"That's absolutely fine.","start":3903.2449,"end":3904.445,"sentiment":"neutral","sentiment_score":0.22151022652784982},{"text":"I can do that.","start":3904.445,"end":3905.085,"sentiment":"neutral","sentiment_score":0.3288995698094368}],"sentiment":"neutral","sentiment_score":0.18530886044556444,"num_words":11,"start":3892.67,"end":3905.085},{"sentences":[{"text":"That's not a problem at all.","start":3905.085,"end":3906.625,"sentiment":"neutral","sentiment_score":0.30751779675483704},{"text":"I'll make sure that that note's in there for you now.","start":3906.925,"end":3909.54,"sentiment":"neutral","sentiment_score":0.08980837667530234},{"text":"Yeah.","start":3910.0798,"end":3910.5798,"sentiment":"neutral","sentiment_score":0.09051842987537384},{"text":"That's okay.","start":3911.5999,"end":3912.3198,"sentiment":"neutral","sentiment_score":0.17947440594434738},{"text":"I'm pretty persistent.","start":3912.3198,"end":3913.38,"sentiment":"neutral","sentiment_score":0.12582231312990189}],"sentiment":"neutral","sentiment_score":0.15912752630917923,"num_words":23,"start":3905.085,"end":3913.38},{"sentences":[{"text":"It's not a problem.","start":3913.52,"end":3914.5,"sentiment":"neutral","sentiment_score":0.17844993621110916},{"text":"All good.","start":3916.16,"end":3916.98,"sentiment":"neutral","sentiment_score":-0.10628285631537437},{"text":"Oh, look.","start":3920.16,"end":3920.64,"sentiment":"neutral","sentiment_score":0.03625672496855259},{"text":"Honestly, I actually do work until 06:00 most nights, and one one day a week, I work until seven.","start":3920.64,"end":3926.345,"sentiment":"neutral","sentiment_score":0.05990820103570035},{"text":"So, yeah, I'd like to make sure that I am available because, you know, we all work hard and long hours sometimes, and life gets busy.","start":3926.345,"end":3933.705,"sentiment":"neutral","sentiment_score":0.03499567666305946}],"sentiment":"neutral","sentiment_score":0.049469639529597084,"num_words":53,"start":3913.52,"end":3933.705},{"sentences":[{"text":"So having me work back that late does mean that I can take reviews and be there for you later in the afternoon if it suits if you need me to be.","start":3933.705,"end":3942.04,"sentiment":"neutral","sentiment_score":0.11021368228830397},{"text":"So that's fine.","start":3942.04,"end":3943.1,"sentiment":"neutral","sentiment_score":0.1659421225388845},{"text":"Excellent.","start":3944.52,"end":3945.02,"sentiment":"positive","sentiment_score":0.4451112747192383},{"text":"All good.","start":3945.32,"end":3945.8801,"sentiment":"neutral","sentiment_score":0.255675058811903},{"text":"Well, feel free to have a look through the documents there.","start":3945.8801,"end":3947.72,"sentiment":"neutral","sentiment_score":0.23886319317600943}],"sentiment":"neutral","sentiment_score":0.15527797383921488,"num_words":49,"start":3933.705,"end":3947.72},{"sentences":[{"text":"Wendy, I'm happy to do so.","start":3947.72,"end":3948.92,"sentiment":"positive","sentiment_score":0.6516283253828684},{"text":"I'll get you to press the sign button or turn those back.","start":3948.92,"end":3951.1602,"sentiment":"neutral","sentiment_score":0.21808785758912563},{"text":"And if you have any questions, please let me know.","start":3951.1602,"end":3953.885,"sentiment":"neutral","sentiment_score":0.1878415450453758},{"text":"Okay?","start":3955.865,"end":3956.365,"sentiment":"positive","sentiment_score":0.3824729323387146},{"text":"No worries.","start":3956.5051,"end":3957.145,"sentiment":"positive","sentiment_score":0.3833523690700531}],"sentiment":"neutral","sentiment_score":0.3082070117515902,"num_words":31,"start":3947.72,"end":3957.145},{"sentences":[{"text":"You have a good afternoon.","start":3957.145,"end":3958.525,"sentiment":"positive","sentiment_score":0.6532772064208985},{"text":"I'll let you go to call your mom.","start":3958.665,"end":3959.945,"sentiment":"positive","sentiment_score":0.5155091062188148},{"text":"You have a great one.","start":3959.945,"end":3960.825,"sentiment":"positive","sentiment_score":0.790269422531128},{"text":"Thanks for your time, Peter.","start":3960.825,"end":3962.105,"sentiment":"positive","sentiment_score":0.7910767316818237},{"text":"Appreciate it.","start":3962.105,"end":3963.085,"sentiment":"positive","sentiment_score":0.8214468657970428}],"sentiment":"positive","sentiment_score":0.6776033353805542,"num_words":25,"start":3957.145,"end":3963.085},{"sentences":[{"text":"Thanks.","start":3964.5051,"end":3964.905,"sentiment":"positive","sentiment_score":0.6611347198486328},{"text":"See you later.","start":3964.905,"end":3965.705,"sentiment":"positive","sentiment_score":0.48002001643180847},{"text":"Bye.","start":3965.705,"end":3966.205,"sentiment":"neutral","sentiment_score":-0.12045986950397491}],"sentiment":"positive","sentiment_score":0.3961469799280167,"num_words":5,"start":3964.5051,"end":3966.205}]}}]},{"alternatives":[{"transcript":"Hello. It's Peter speaking. Oh, okay. Alright. Thanks. Sorry? The review. Yep. Yep. Yep. Sure. Peter Ellen Grant. Twenty fourth of ninth seventy two. I'm not sure what address she got on file. You got 209 Fitzroy Street or 4284 River Street? Yeah. So it's been updated. Yeah. That's where I am at the moment. Yeah. Yeah. Balance. Yep. Oh, yeah. You can do that. Yep. No. I've finished already. Well, You start early, but oh, I've I've sold the milk run. I'm looking to buy another business. I'm just I'm just doing parcel deliveries for Australia Post, but it's pretty shit. Pretty dismal. You can't live on it. Yeah. You need to deliver about 500 parcels a day in a year to make it worse for any year. So what's what's to self manage your super fund, how much do you have to have in it? Is it 250,000? Yep. Oh, because I just thought about instead of buying a business, I thought about just dumping it into my super and then seeing if I can buy put that against my mortgage and then get my mortgage redone so I'm not paying off as much. Yeah. So it's it's always cheaper. So you can you can have a $100,100 and $50 in the soup and and be homeless. This is why our country sucks, mate. It's so stupid. They've they've they've ruined soup. I I never made any money off soup prices until I went over to you guys. I don't know what's done this year, but oh. But that's what a house that's what a house does as well. But but but if you if you if you if you own if you own a house and lived overseas, you could easily live off the rent of the house in, like, The Philippines or something. Yeah? That's what I'd like to do. I just because I'll I'll never retire in Australia. I won't I'll I'll die before I get to 67 or whatever they make it for. It'll be 75 as of by the time I get there. And it's not no. It's not I'll I'll never be able to retire. You you can see how much I've got in there. There's nothing. I'll never be able to retire on that. That's not even that's not even a year's wage. A 100 and a 125? Yeah. So it hasn't even got back to where it was on the first year. The first year, I think, was a 128. Then this this is Trump. This is all these boomers just ruining this world. Between Trump and Putin and wish I'd all hurry up and die. No. Seriously, they've they've ruined the the world. So between all the old farts, the bloody Albanese and Trump and Putin, they destroyed the place. Anyhow, so only a 125. See, that's not even I was earning more than that a year when I had my business. I was earning about 140 a year. Yeah. So it's not it's not even a year's wait. See you. It's like I might as well just throw it all in a Bitcoin. Just go all in on Bitcoin on it. Yeah. I'm I'm sure I'm sure I'm sure as soon as I invest in it soon as I invest in it, it'll you'll go to worth nothing. Because I still don't even understand how it's worth anything. But, you know, it's like as soon as I bought a house, I've I've only been here three years and what housing prices are going down there. Yeah. And and and and interest rates have gone up 14 times since I bought a house. Soon as I buy a house, it just went up every time. It went down it went down twice, but it's been 14 rises. And just just this whole system, how we we try to curb inflation by by destroying people's mortgages and increase rent and that, that doesn't affect my parents. My parents own all their houses. Yeah? It doesn't affect them at all. Yeah? All the all all the you go look at all the cafes. All the cafes are still full of boomers. All all parts of them. No one else can afford to live. The the whole system the whole financial system is is stupid. Yeah. Who was it, buddy? What's his name? Chasing thought they did. That's another stupid system. It doesn't work. It's the same. It's stupid. They the Liberals ruined super. But then here. Yeah. For the for the Trump? He's an idiot. I mean, I would agree with some of the things he does, but I mean. I'm looking at all sorts of things, all sorts of stuff here. I don't I don't know. Like, six months ago would have been I I didn't wanna sell my Milcro. I I was forced into it. That's that's that's Norco. They did it to a whole heap of people. I was I was lucky I got I got what I wanted for the business, but one of the other guys lost at at a $120. And he'd only just he'd only just bought it. He he bought it, like, four years ago like me. He'd only just bought it, and then they made him sell it. Yeah. They're mongrels, mate. Norco, the the middle management and and all that, The CEO, that they're all scumbags. But really, you you're in you're in the Gold Coast, aren't you? Yeah. That's what it is. I think I've been there once. How how old are you, Dana? Oh, okay. Oh, I just I was just kinda oh, it's just because I I feel sorry for the kids coming through these days with all this shit. You know? You're you're probably a bit more you're probably a bit more established. So Oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh Never. Oh, I doubt I doubt at least I win water. At the moment, it it I it I think I owe about $300 or it it's only 200 at the moment, but there's a there's a 100 and something a 110 or something in the redraw. I can redraw the bottom business if I wanted. So I think at the moment, it's about 200, but realistic, it's a bit over $303,100 and something. But, yeah, the rate your rate you're paying it off. I'm barely like, I think I only pay off about $200 a month, you know, off off the residual. So what's that? It's only $1,200 a year. How long do they go? Like, pay off forever. Yeah. Yeah. So it's just I don't know. I don't know. I'll have to anytime I pay it off is if I get when my parents I'll get some money from them when they they're quite well off there. Oh, yeah. I don't know. I was I was well, I said if I if I could get it down the repayment's down enough that that that the rent would actually cover the the the rates and the strata and all that and a bit more for me to live on, then I'd like to say, I'll just go overseas. I'll just sell everything to go overseas. I've I've thought about doing that just because I've got a few I've got a few collectible cars, probably probably about a $150 worth of collectible cars. And I thought about just selling all them, and I've got a few old rifles. They're not worth much, but and but just selling everything and just put it all against my mortgage and then refinancing the mortgage so the repayments are right like because at the moment, I couldn't rent this place out. It wouldn't even cover it wouldn't even cover the strata and that. It wouldn't even cover the mortgage, I don't think. Oh, yeah. Because the mortgage is 2,200 a month. There's no way you get $500 a week for this place. No way. Didn't that change a good location? I bought I bought the cheapest place in Ballina for 200 thousand dollars. And it's built built in 1960, and it hasn't been renovated. It's old. No dishwasher. So yeah. Yeah. It's full popper. Oh, it's a great location. That's what I bought it. I bought it it it's it's really primed for development, and and we've already got everyone we've already got a a what do you call it? I think we've got four out of four out of seven owners or five out of seven owners that will sell to a developer if they they can. So that's the only reason I bought it is and I had to buy a place because I couldn't rent a place with a dog after the floods. It's impossible. I was off I was I was offering them six months in advance. I was offering $24,000 up front, and they I still couldn't get them. I I've only just got done a when was it? Just come up two years now. Because I I re I already did it. I don't know if I told you last time. I told her I helped she's I don't know what she is. She's like my financial burden that was my ex partner or whatever the hell she is. I've helped her buy a car, so I I redid the mortgage to split it up. So her car was on my because I've I've lent her money before. She she owes she owes me shitloads, but I've lent her money before, and she never paid any interest. She paid the car. She paid off another car before. But I said this time, you're gonna be copping interest because you know? And that's how I split up the loan, and I got the broker that did it for me said, oh, you might as well change banks because you can get I think I got $2,000 or $3,000 for swapping banks. But, yeah, it's it's not too bad. The payments aren't too bad. It's only $2.02. It's hardly going up from with the interest rates. Yes. It's just all hassle there. I don't know. I'll I'll I'll have a I'll have a look at I'll have a look at what they're charging me, and then I'll I'll do a quick look myself and see if it's yeah. Yeah. Okay. The the the the the problem with it is that you can't take it back out. I'd I'd rather put it off my loan where where I can get it back if I want it. Because what I what I was doing and and like I said, I've I've got a I'm sorry. I know you're in the industry, but I've got a really bad opinion of super I think it's shit. Because I'll put in I'll put I'll put money into it for years. Oh, the dog's leaving the room. He doesn't like it when I talk about it. He leaves the room. I I put in money. I put in I was putting in $30 a week or something for years, and my it hardly went up. In fact, it was count backwards with those. You guys are a lot better than the other ones, but a lot of those super funds and see the problem with it all is every super fund's got a CEO and a directors and that, you know, that are all skimming off the top, you know, and and they and they don't perform. They don't do very well on you with the money. They're they're hopeless. All, you know, all those big ones and that, well, they they were lucky to make 3% stuff with all their fee. They're absolutely costly. Yes. Probably sick. Yeah. Yeah. What I did think about doing I was gonna ask my accountant about this, and then Norco made me sell. I did think about at the end of financial year, if I dump a heap of money into my super, that that can reduce my tax, can't it? Alright. Well, see, that that's what I was gonna do. I I I thought that instead of buying the business, like, selling a whole heap of stuff, dumping it all into my super, but then use it to then pay off my house, but you can't do it. So it's yeah. Next, you know, you you you should be able to use your super as equity, but you can't. It's stupid. It's so stupid. Yes. But it it'll it'll never get to the amount where I can do that, so there's almost no point. Yeah. Besides besides besides a tax break, because I'll I'll I might what I'll do is if I get another business and I'm doing well again because what I was doing is every I've I've looked at my business account and they get enough money in there. I'd I'd know how many bills I've built what my bills were actually gonna be. And I just, like, I just, like, dumped 10 or $20 off my off my hat. But I I put it into the house where I knew what where it wasn't been able to withdraw. Not not in the offset. I've I've well, you could redraw on it, but but it's yeah. It's straight off the line, not on the offset. So not that it probably matters, but alright. Yeah. Well, I paid I paid $50 off in the first year, but that is when the interest rates were low and I was earning good money in the business. Yeah. Oh, if I can, I will? How much? Oh. Oh, oh, I forgot what I said. I'm hoping to oh, how much oh, so so I was gonna say, how much can you put into your super? Yeah. Yeah. Yeah. So it's it's still for me, I mean, I might when I when I get a business, I might do it to try and reduce my tax. But like I said, if I can't get hold and I can't use it, then it's it's almost useless money to me. You know what I mean? Like, it's almost it they've made the super and that's what Pauline Hanson said. You know? It it needs to be we need to have more access to it. You know? It's just stupid. Yeah. Alright. 60 also with 67. Yes. Yes. Sorry. Yeah. So what so do do they check do they look at how much you've got in there? Or you could just or you could just say, no. I'm retiring and just take it. Okay. What what if I was working overseas? Would they know about that? Is that considered working? What no. No. No. No. No. Like, say say say if I retired at 60, but then bought a business overseas, you can do that? Okay. Yeah. Just bullshit them. Yeah. It well, it's it's I I looked at because I've been looking at stuff all around all around the world, like, you know, all sorts of stuff. Surf surf, you know, surf charters and bars in Thailand and that because I went to Thailand to get some dental work done. I was up in Japan snowboarding, so I went over there on the way back to and and the one of one of the bars I was drinking drinking because I I went I was trying to stay away from I stayed away from the girly bars because I didn't wanna get rest all the time. And it was it was like an English bus. And I and I found out there's an English I think it's English or Italian, so who owned it. And I thought, I didn't I didn't think you could own businesses in time. Apparently, you can own certain types of one. You gotta get approval and all this stuff. But when I looked into it, apparently, you gotta bribe the police and the mafia. So I'm thinking that's bitch shit. I'll probably be in trouble from both of them. Yeah. Apparently, you gotta pay off both of them. It's tough. Well, well, I don't know if you've ever been to Hong Kong, but Hong Kong Hong Kong is really safe because they've they've got the the mafia there. Everyone's gotta play the mafia. And so you hardly ever see the police if the police have to get involved. That's really going down. The only thing I've seen the police twice there. I think it's twice, and I've been there about 15 times or so. Yeah. The Hong Kong mafia, they they keep everything safe. That's that's why you don't you don't see people mucking up and being idiots because the the police don't turn up. The mafia deal with you. Yeah. Yeah. They just have you been to Hong Kong? No. No. My my brother lives there. That's the only reason I've been here. Yeah. Yeah. The place is nuts. It's fully it's it's it's built on, like, a really steep hill. And, like, like, going anywhere is just a mission. Like, if you have to walk, it you're walking down really steep hills and not really. And that's just just the fact that the pond's built that. So that doesn't mean to. It would've been flat down the bottom at the start, but it's yeah. It's pretty crazy. I wouldn't wanna be there in an earthquake. Put it that way. Pretty scary. Yeah. Yeah. Sure. Thanks. Bye. Yeah. Well, no. Well, no. What I what you've told me today, I'll probably I'll probably sell my house and sell all my stuff and go overseas. Yeah. I'll probably sell everything. Sell all my cars. Sell sell if I have a business, sell a whole lot and just go overseas. Because I'll be I'll be lucky to make six gig, I think. I don't know. I don't know what I'm doing. Mhmm. Yes. No. No. I know. Probably a bit of both. It'd probably a bit you know, good time to invest in it, but I don't know. I don't know what the hell is gonna happen with Trump. Is it yeah. Probably more concerned about it. Anxious? Yeah. It's it's it's pretty pretty depressing. Because they're supposed to be you know, these companies are supposed to be paying dividends, so that's supposed to be going in there. Yeah. Yeah. Mhmm. Mhmm. Yeah. Yeah. Yep. Yep. Right. No. My mom got my mom got CBA shares when they were I think she when they were released, I think, 20¢ or 10¢ or something. I can't remember. Yeah. And then when they went down one stage, they went down to, like, $20. It was no. No. Not 20¢. It would've been 15 or $20 per share. I can't remember what the initial was. You you could probably find out. But then it went down to, like, $28 from 70, and she bought a hat stack then as well. And and now what I can't remember. Last time I saw it was a 110 or something. I don't know what it is now, but they've got a stack of shares. They've got over $500,000 of shares. Yeah. That's just that's just the new share fault for it, and they own all that. Yeah. They're good as yeah. We're we're good as good as brother, but yeah. They're both the old the old man. It's not real well at the moment. I've got a ring about him, actually. But yeah. He's got pockets and stuff. The the, the medication that see, this is the thing. Walter Jay Fox has raised stacks of money, and if they get onto it early enough, they could slow it right down. Yeah. So if he actually works on his exercise, he he actually gets better, but he's a bit lazy. And but yeah. I mean, they're up in Brisbane. Andrews, my brother's in Hong Kong and all his daughter. It's well, there's a it's probably it's probably the friendliest place I've ever lived in. It's it's it's very working class, but my my local my local pub in Brisbane, I wasn't worried about anyone in that bar, but this the local down here, there's about $15 I wouldn't wouldn't upset. It's it's it's it's it's like I mean, it's pretty working class. Where were you living in Northern Rivers? Is it Kingsford or somewhere? Oh, yeah. I like that. I knew the car clean from a little about one day. You know you know how to have the car clean? I've worked with her. I can't remember her name now. I used to work with her at APSM. And after my window. Yeah. So that's that's just always get is that the one there, Byron, or is that the one up always get those two mixed up. Yeah. Yeah. Yeah. It's up near the border. It's on the river there, ain't it? Yeah. Mom and baby. Yeah. I always get those. Yeah. I always get those two mixed up. Because I almost I almost surface. I'm only interested in surfing down the beaches. Yeah. I I haven't surfed in years, but I when I was on the milk run, I pretty much quit because I twisted my ankle one time surfing, and I just had to work on it. So if you hurt, you know, you basically try to drag yourself around. Just put up with it, you know, because you got no backup. And the the cafes and the supermarkets and that, they can't go without their milk. If they got no milk, then they're, you know, really not happy. Uh-oh. I'm subcontracting with a guy who's got a contract through Australia Post. But it's the guy one of the guys I'm working with, he reckons he's getting paid less now than when he was seven years ago. But he reckons they'll getting a he said they'll getting better rate then than they are now, and fuels, like, you know, three times the price. And and we paid for our bill. But, yeah, it's it's oh, I'm only making about a thousand dollars a week, and then that's before tax and it's just it's just not I feel like saying I'm going, this is not I'm not saying that, but I don't want him to get someone to replace me and then but so I'm not saying anything. But as soon as I find a business, I'm gonna get the hell out of there. I wanna get out before Christmas because it apparently, they're super busy in Christmas, and I don't want to be dealing with that. Oh, they reckon it's not. So they reckon they almost go seven days a week. But yeah. And Belenar is great. Especially the summer holidays, the school holidays, the traffic in Ballina just goes nuts. All the country folk come into town. They drive with bonkers. They do, like, half the speed in it everywhere, and they can't use your handbags. And you and you can tell you can tell their country because they've got a, you know, a uke with a 44 in the back and a. You're from the country. Oh, it's just yeah. It's nuts. I don't even know where people go. Right? I I think I went to one no. I I only went to two festivals growing up, and I hated them. I only hated them, but, like, I went to the big day out once on the Gold Coast, and then I went to another one Perth. I can't remember where that was. But I just don't I don't I'd rather just go see one one like, I went to the food parties at the Suncorp, but it's the last one I went to. That was awesome. But I just found the crowd and all the dirt and the you know, it's all dusty and anyhow. Haven't really thought. I thought Probably but today was, like, five and a half hours. So I think on the quiet days, it's probably you're probably doing about five and a half, six hours, and on the busy days, you're doing about eight. So you might have two busy days and three quiet days to work at eighteen. Doing about thirty four hours a week. You as you get better at it, you get quicker at it. So it's the same with the milk. We're not supposed to start the milk. It's taking me ten hours a day, but I've got that down till about seven. But because you get to know your route and all that. That balance is crazy. The the council if I ever meet someone from the council, I'm gonna slap and play because oh, actually, what probably the it's what they've done in the past with the developers. They they'll have a the address will be on one street, but the units will be accessed from another street. And no one tells you. Like, no one puts it on their letter that, you know, access from this street. You know? So you you constantly go to the wrong address, and it's so annoying. And then the amount of houses that have numbers on, not there's no not well, you go down a section of street, there'll be four houses, no numbers on them. And you're like and the the the GPS on the Australia Post the the app that they use, the GPS on it is always about thirty seconds. Yeah. Sorry. Oh my god. Well, I was actually looking at one of the ones I looked at blind that I'm interested in is is in Australia Post app. But because because you just get all these commissions, and and that's just the deal with all their stuff. But you wanna see the hoops you gotta catch up through. You know? You gotta do all this stuff for them. I reckon it'd be it'd be a six month old deal just doing all that stuff for yeah. So yeah. I gotta I gotta I gotta call my mom and do we need to do anything more there? Yeah. I've got no one to give it to. I I I had I had a partner and she's moved me over. The last time I looked, they reckon it was around $4.95, but it's probably dropped since then. It's probably about $4.80. Yep. Yep. Yeah. I'll have the drive. That's on the investment. I'll be I'll be driving. Yeah. Yeah. No. That's fine. Probably probably dropped probably dropped that 15. It's 4 more. Oh, I don't have that truck anymore. That that won't need the business. No. I don't think so. Probably to my mom. Oh, I I do. I can't even remember who. I think my brother's on that. I think it changed a bit, but because I had a thought with my sister-in-law, so I don't wonder who did. Yeah. My brother is in the works. Probably just carry him in. Hello? Yes. It'll be fine. Yeah. Yeah. Okay. Yep. Okay. Oh, bonding and un lapsing. Yeah. Yes. Yes. Probably did you just sign it electronically? Oh, okay. You can just email. I can print it. Yeah. That's fine. I'll forget I'll I'll forget about it in the mail. Mhmm. No. Mhmm. Yep. No. No. I don't think so. Okay. Thanks. Oh, if you can put a note in there, just always call me sort of after three. After three or four, somewhere in there. Just because so on the busy days, I don't finish till around 03:34, so I can't answer my phone. Yeah. And, hopefully, I'll answer for you. Yeah. Yeah. I don't want you ringing people having to ring people at 06:00 at night. So yeah. Oh, okay. Yep. Yep. No worries. Thanks, Diana. Yep. Thanks, Tom. Thank you. 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It's Peter speaking. Oh, okay. Alright. Thanks.\n\nSorry? The review. Yep. Yep. Yep.\n\nSure. Peter Ellen Grant. Twenty fourth of ninth seventy two. I'm not sure what address she got on file. You got 209 Fitzroy Street or 4284 River Street?\n\nYeah. So it's been updated. Yeah. That's where I am at the moment. Yeah.\n\nYeah. Balance. Yep. Oh, yeah. You can do that.\n\nYep. No. I've finished already. Well, You start early, but oh, I've I've sold the milk run. I'm looking to buy another business.\n\nI'm just I'm just doing parcel deliveries for Australia Post, but it's pretty shit. Pretty dismal. You can't live on it. Yeah. You need to deliver about 500 parcels a day in a year to make it worse for any year.\n\nSo what's what's to self manage your super fund, how much do you have to have in it? Is it 250,000? Yep. Oh, because I just thought about instead of buying a business, I thought about just dumping it into my super and then seeing if I can buy put that against my mortgage and then get my mortgage redone so I'm not paying off as much. Yeah.\n\nSo it's it's always cheaper. So you can you can have a $100,100 and $50 in the soup and and be homeless. This is why our country sucks, mate. It's so stupid. They've they've they've ruined soup.\n\nI I never made any money off soup prices until I went over to you guys. I don't know what's done this year, but oh. But that's what a house that's what a house does as well. But but but if you if you if you if you own if you own a house and lived overseas, you could easily live off the rent of the house in, like, The Philippines or something. Yeah?\n\nThat's what I'd like to do. I just because I'll I'll never retire in Australia. I won't I'll I'll die before I get to 67 or whatever they make it for. It'll be 75 as of by the time I get there. And it's not no.\n\nIt's not I'll I'll never be able to retire. You you can see how much I've got in there. There's nothing. I'll never be able to retire on that. That's not even that's not even a year's wage.\n\nA 100 and a 125? Yeah. So it hasn't even got back to where it was on the first year. The first year, I think, was a 128. Then this this is Trump.\n\nThis is all these boomers just ruining this world. Between Trump and Putin and wish I'd all hurry up and die. No. Seriously, they've they've ruined the the world. So between all the old farts, the bloody Albanese and Trump and Putin, they destroyed the place.\n\nAnyhow, so only a 125. See, that's not even I was earning more than that a year when I had my business. I was earning about 140 a year. Yeah. So it's not it's not even a year's wait.\n\nSee you. It's like I might as well just throw it all in a Bitcoin. Just go all in on Bitcoin on it. Yeah. I'm I'm sure I'm sure I'm sure as soon as I invest in it soon as I invest in it, it'll you'll go to worth nothing.\n\nBecause I still don't even understand how it's worth anything. But, you know, it's like as soon as I bought a house, I've I've only been here three years and what housing prices are going down there. Yeah. And and and and interest rates have gone up 14 times since I bought a house. Soon as I buy a house, it just went up every time.\n\nIt went down it went down twice, but it's been 14 rises. And just just this whole system, how we we try to curb inflation by by destroying people's mortgages and increase rent and that, that doesn't affect my parents. My parents own all their houses. Yeah? It doesn't affect them at all.\n\nYeah? All the all all the you go look at all the cafes. All the cafes are still full of boomers. All all parts of them. No one else can afford to live.\n\nThe the whole system the whole financial system is is stupid. Yeah. Who was it, buddy? What's his name? Chasing thought they did.\n\nThat's another stupid system. It doesn't work. It's the same. It's stupid. They the Liberals ruined super.\n\nBut then here. Yeah. For the for the Trump? He's an idiot. I mean, I would agree with some of the things he does, but I mean.\n\nI'm looking at all sorts of things, all sorts of stuff here. I don't I don't know. Like, six months ago would have been I I didn't wanna sell my Milcro. I I was forced into it. That's that's that's Norco.\n\nThey did it to a whole heap of people. I was I was lucky I got I got what I wanted for the business, but one of the other guys lost at at a $120. And he'd only just he'd only just bought it. He he bought it, like, four years ago like me. He'd only just bought it, and then they made him sell it.\n\nYeah. They're mongrels, mate. Norco, the the middle management and and all that, The CEO, that they're all scumbags. But really, you you're in you're in the Gold Coast, aren't you? Yeah.\n\nThat's what it is. I think I've been there once. How how old are you, Dana? Oh, okay. Oh, I just I was just kinda oh, it's just because I I feel sorry for the kids coming through these days with all this shit.\n\nYou know? You're you're probably a bit more you're probably a bit more established. So Oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh Never. Oh, I doubt I doubt at least I win water. At the moment, it it I it I think I owe about $300 or it it's only 200 at the moment, but there's a there's a 100 and something a 110 or something in the redraw.\n\nI can redraw the bottom business if I wanted. So I think at the moment, it's about 200, but realistic, it's a bit over $303,100 and something. But, yeah, the rate your rate you're paying it off. I'm barely like, I think I only pay off about $200 a month, you know, off off the residual. So what's that?\n\nIt's only $1,200 a year. How long do they go? Like, pay off forever. Yeah. Yeah.\n\nSo it's just I don't know. I don't know. I'll have to anytime I pay it off is if I get when my parents I'll get some money from them when they they're quite well off there. Oh, yeah. I don't know.\n\nI was I was well, I said if I if I could get it down the repayment's down enough that that that the rent would actually cover the the the rates and the strata and all that and a bit more for me to live on, then I'd like to say, I'll just go overseas. I'll just sell everything to go overseas. I've I've thought about doing that just because I've got a few I've got a few collectible cars, probably probably about a $150 worth of collectible cars. And I thought about just selling all them, and I've got a few old rifles. They're not worth much, but and but just selling everything and just put it all against my mortgage and then refinancing the mortgage so the repayments are right like because at the moment, I couldn't rent this place out.\n\nIt wouldn't even cover it wouldn't even cover the strata and that. It wouldn't even cover the mortgage, I don't think. Oh, yeah. Because the mortgage is 2,200 a month. There's no way you get $500 a week for this place.\n\nNo way. Didn't that change a good location? I bought I bought the cheapest place in Ballina for 200 thousand dollars. And it's built built in 1960, and it hasn't been renovated. It's old.\n\nNo dishwasher. So yeah. Yeah. It's full popper. Oh, it's a great location.\n\nThat's what I bought it. I bought it it it's it's really primed for development, and and we've already got everyone we've already got a a what do you call it? I think we've got four out of four out of seven owners or five out of seven owners that will sell to a developer if they they can. So that's the only reason I bought it is and I had to buy a place because I couldn't rent a place with a dog after the floods. It's impossible.\n\nI was off I was I was offering them six months in advance. I was offering $24,000 up front, and they I still couldn't get them. I I've only just got done a when was it? Just come up two years now. Because I I re I already did it.\n\nI don't know if I told you last time. I told her I helped she's I don't know what she is. She's like my financial burden that was my ex partner or whatever the hell she is. I've helped her buy a car, so I I redid the mortgage to split it up. So her car was on my because I've I've lent her money before.\n\nShe she owes she owes me shitloads, but I've lent her money before, and she never paid any interest. She paid the car. She paid off another car before. But I said this time, you're gonna be copping interest because you know? And that's how I split up the loan, and I got the broker that did it for me said, oh, you might as well change banks because you can get I think I got $2,000 or $3,000 for swapping banks.\n\nBut, yeah, it's it's not too bad. The payments aren't too bad. It's only $2.02. It's hardly going up from with the interest rates. Yes.\n\nIt's just all hassle there. I don't know. I'll I'll I'll have a I'll have a look at I'll have a look at what they're charging me, and then I'll I'll do a quick look myself and see if it's yeah. Yeah. Okay.\n\nThe the the the the problem with it is that you can't take it back out. I'd I'd rather put it off my loan where where I can get it back if I want it. Because what I what I was doing and and like I said, I've I've got a I'm sorry. I know you're in the industry, but I've got a really bad opinion of super I think it's shit. Because I'll put in I'll put I'll put money into it for years.\n\nOh, the dog's leaving the room. He doesn't like it when I talk about it. He leaves the room. I I put in money. I put in I was putting in $30 a week or something for years, and my it hardly went up.\n\nIn fact, it was count backwards with those. You guys are a lot better than the other ones, but a lot of those super funds and see the problem with it all is every super fund's got a CEO and a directors and that, you know, that are all skimming off the top, you know, and and they and they don't perform. They don't do very well on you with the money. They're they're hopeless. All, you know, all those big ones and that, well, they they were lucky to make 3% stuff with all their fee.\n\nThey're absolutely costly. Yes. Probably sick. Yeah. Yeah.\n\nWhat I did think about doing I was gonna ask my accountant about this, and then Norco made me sell. I did think about at the end of financial year, if I dump a heap of money into my super, that that can reduce my tax, can't it? Alright. Well, see, that that's what I was gonna do. I I I thought that instead of buying the business, like, selling a whole heap of stuff, dumping it all into my super, but then use it to then pay off my house, but you can't do it.\n\nSo it's yeah. Next, you know, you you you should be able to use your super as equity, but you can't. It's stupid. It's so stupid. Yes.\n\nBut it it'll it'll never get to the amount where I can do that, so there's almost no point. Yeah. Besides besides besides a tax break, because I'll I'll I might what I'll do is if I get another business and I'm doing well again because what I was doing is every I've I've looked at my business account and they get enough money in there. I'd I'd know how many bills I've built what my bills were actually gonna be. And I just, like, I just, like, dumped 10 or $20 off my off my hat.\n\nBut I I put it into the house where I knew what where it wasn't been able to withdraw. Not not in the offset. I've I've well, you could redraw on it, but but it's yeah. It's straight off the line, not on the offset. So not that it probably matters, but alright.\n\nYeah. Well, I paid I paid $50 off in the first year, but that is when the interest rates were low and I was earning good money in the business. Yeah. Oh, if I can, I will? How much?\n\nOh. Oh, oh, I forgot what I said. I'm hoping to oh, how much oh, so so I was gonna say, how much can you put into your super? Yeah. Yeah.\n\nYeah. So it's it's still for me, I mean, I might when I when I get a business, I might do it to try and reduce my tax. But like I said, if I can't get hold and I can't use it, then it's it's almost useless money to me. You know what I mean? Like, it's almost it they've made the super and that's what Pauline Hanson said.\n\nYou know? It it needs to be we need to have more access to it. You know? It's just stupid. Yeah.\n\nAlright. 60 also with 67. Yes. Yes. Sorry.\n\nYeah. So what so do do they check do they look at how much you've got in there? Or you could just or you could just say, no. I'm retiring and just take it. Okay.\n\nWhat what if I was working overseas? Would they know about that? Is that considered working? What no. No.\n\nNo. No. No. Like, say say say if I retired at 60, but then bought a business overseas, you can do that? Okay.\n\nYeah. Just bullshit them. Yeah. It well, it's it's I I looked at because I've been looking at stuff all around all around the world, like, you know, all sorts of stuff. Surf surf, you know, surf charters and bars in Thailand and that because I went to Thailand to get some dental work done.\n\nI was up in Japan snowboarding, so I went over there on the way back to and and the one of one of the bars I was drinking drinking because I I went I was trying to stay away from I stayed away from the girly bars because I didn't wanna get rest all the time. And it was it was like an English bus. And I and I found out there's an English I think it's English or Italian, so who owned it. And I thought, I didn't I didn't think you could own businesses in time. Apparently, you can own certain types of one.\n\nYou gotta get approval and all this stuff. But when I looked into it, apparently, you gotta bribe the police and the mafia. So I'm thinking that's bitch shit. I'll probably be in trouble from both of them. Yeah.\n\nApparently, you gotta pay off both of them. It's tough. Well, well, I don't know if you've ever been to Hong Kong, but Hong Kong Hong Kong is really safe because they've they've got the the mafia there. Everyone's gotta play the mafia. And so you hardly ever see the police if the police have to get involved.\n\nThat's really going down. The only thing I've seen the police twice there. I think it's twice, and I've been there about 15 times or so. Yeah. The Hong Kong mafia, they they keep everything safe.\n\nThat's that's why you don't you don't see people mucking up and being idiots because the the police don't turn up. The mafia deal with you. Yeah. Yeah. They just have you been to Hong Kong?\n\nNo. No. My my brother lives there. That's the only reason I've been here. Yeah.\n\nYeah. The place is nuts. It's fully it's it's it's built on, like, a really steep hill. And, like, like, going anywhere is just a mission. Like, if you have to walk, it you're walking down really steep hills and not really.\n\nAnd that's just just the fact that the pond's built that. So that doesn't mean to. It would've been flat down the bottom at the start, but it's yeah. It's pretty crazy. I wouldn't wanna be there in an earthquake.\n\nPut it that way. Pretty scary. Yeah. Yeah. Sure.\n\nThanks. Bye. Yeah. Well, no. Well, no.\n\nWhat I what you've told me today, I'll probably I'll probably sell my house and sell all my stuff and go overseas. Yeah. I'll probably sell everything. Sell all my cars. Sell sell if I have a business, sell a whole lot and just go overseas.\n\nBecause I'll be I'll be lucky to make six gig, I think. I don't know. I don't know what I'm doing. Mhmm. Yes.\n\nNo. No. I know. Probably a bit of both. It'd probably a bit you know, good time to invest in it, but I don't know.\n\nI don't know what the hell is gonna happen with Trump. Is it yeah. Probably more concerned about it. Anxious? Yeah.\n\nIt's it's it's pretty pretty depressing. Because they're supposed to be you know, these companies are supposed to be paying dividends, so that's supposed to be going in there. Yeah. Yeah. Mhmm.\n\nMhmm. Yeah. Yeah. Yep. Yep.\n\nRight. No. My mom got my mom got CBA shares when they were I think she when they were released, I think, 20¢ or 10¢ or something. I can't remember. Yeah.\n\nAnd then when they went down one stage, they went down to, like, $20. It was no. No. Not 20¢. It would've been 15 or $20 per share.\n\nI can't remember what the initial was. You you could probably find out. But then it went down to, like, $28 from 70, and she bought a hat stack then as well. And and now what I can't remember. Last time I saw it was a 110 or something.\n\nI don't know what it is now, but they've got a stack of shares. They've got over $500,000 of shares. Yeah. That's just that's just the new share fault for it, and they own all that. Yeah.\n\nThey're good as yeah. We're we're good as good as brother, but yeah. They're both the old the old man. It's not real well at the moment. I've got a ring about him, actually.\n\nBut yeah. He's got pockets and stuff. The the, the medication that see, this is the thing. Walter Jay Fox has raised stacks of money, and if they get onto it early enough, they could slow it right down. Yeah.\n\nSo if he actually works on his exercise, he he actually gets better, but he's a bit lazy. And but yeah. I mean, they're up in Brisbane. Andrews, my brother's in Hong Kong and all his daughter. It's well, there's a it's probably it's probably the friendliest place I've ever lived in.\n\nIt's it's it's very working class, but my my local my local pub in Brisbane, I wasn't worried about anyone in that bar, but this the local down here, there's about $15 I wouldn't wouldn't upset. It's it's it's it's it's like I mean, it's pretty working class. Where were you living in Northern Rivers? Is it Kingsford or somewhere? Oh, yeah.\n\nI like that. I knew the car clean from a little about one day. You know you know how to have the car clean? I've worked with her. I can't remember her name now.\n\nI used to work with her at APSM. And after my window. Yeah. So that's that's just always get is that the one there, Byron, or is that the one up always get those two mixed up. Yeah.\n\nYeah. Yeah. It's up near the border. It's on the river there, ain't it? Yeah.\n\nMom and baby. Yeah. I always get those. Yeah. I always get those two mixed up.\n\nBecause I almost I almost surface. I'm only interested in surfing down the beaches. Yeah. I I haven't surfed in years, but I when I was on the milk run, I pretty much quit because I twisted my ankle one time surfing, and I just had to work on it. So if you hurt, you know, you basically try to drag yourself around.\n\nJust put up with it, you know, because you got no backup. And the the cafes and the supermarkets and that, they can't go without their milk. If they got no milk, then they're, you know, really not happy. Uh-oh. I'm subcontracting with a guy who's got a contract through Australia Post.\n\nBut it's the guy one of the guys I'm working with, he reckons he's getting paid less now than when he was seven years ago. But he reckons they'll getting a he said they'll getting better rate then than they are now, and fuels, like, you know, three times the price. And and we paid for our bill. But, yeah, it's it's oh, I'm only making about a thousand dollars a week, and then that's before tax and it's just it's just not I feel like saying I'm going, this is not I'm not saying that, but I don't want him to get someone to replace me and then but so I'm not saying anything. But as soon as I find a business, I'm gonna get the hell out of there.\n\nI wanna get out before Christmas because it apparently, they're super busy in Christmas, and I don't want to be dealing with that. Oh, they reckon it's not. So they reckon they almost go seven days a week. But yeah. And Belenar is great.\n\nEspecially the summer holidays, the school holidays, the traffic in Ballina just goes nuts. All the country folk come into town. They drive with bonkers. They do, like, half the speed in it everywhere, and they can't use your handbags. And you and you can tell you can tell their country because they've got a, you know, a uke with a 44 in the back and a.\n\nYou're from the country. Oh, it's just yeah. It's nuts. I don't even know where people go. Right?\n\nI I think I went to one no. I I only went to two festivals growing up, and I hated them. I only hated them, but, like, I went to the big day out once on the Gold Coast, and then I went to another one Perth. I can't remember where that was. But I just don't I don't I'd rather just go see one one like, I went to the food parties at the Suncorp, but it's the last one I went to.\n\nThat was awesome. But I just found the crowd and all the dirt and the you know, it's all dusty and anyhow. Haven't really thought. I thought Probably but today was, like, five and a half hours. So I think on the quiet days, it's probably you're probably doing about five and a half, six hours, and on the busy days, you're doing about eight.\n\nSo you might have two busy days and three quiet days to work at eighteen. Doing about thirty four hours a week. You as you get better at it, you get quicker at it. So it's the same with the milk. We're not supposed to start the milk.\n\nIt's taking me ten hours a day, but I've got that down till about seven. But because you get to know your route and all that. That balance is crazy. The the council if I ever meet someone from the council, I'm gonna slap and play because oh, actually, what probably the it's what they've done in the past with the developers. They they'll have a the address will be on one street, but the units will be accessed from another street.\n\nAnd no one tells you. Like, no one puts it on their letter that, you know, access from this street. You know? So you you constantly go to the wrong address, and it's so annoying. And then the amount of houses that have numbers on, not there's no not well, you go down a section of street, there'll be four houses, no numbers on them.\n\nAnd you're like and the the the GPS on the Australia Post the the app that they use, the GPS on it is always about thirty seconds. Yeah. Sorry. Oh my god. Well, I was actually looking at one of the ones I looked at blind that I'm interested in is is in Australia Post app.\n\nBut because because you just get all these commissions, and and that's just the deal with all their stuff. But you wanna see the hoops you gotta catch up through. You know? You gotta do all this stuff for them. I reckon it'd be it'd be a six month old deal just doing all that stuff for yeah.\n\nSo yeah. I gotta I gotta I gotta call my mom and do we need to do anything more there? Yeah. I've got no one to give it to. I I I had I had a partner and she's moved me over.\n\nThe last time I looked, they reckon it was around $4.95, but it's probably dropped since then. It's probably about $4.80. Yep. Yep. Yeah.\n\nI'll have the drive. That's on the investment. I'll be I'll be driving. Yeah. Yeah.\n\nNo. That's fine. Probably probably dropped probably dropped that 15. It's 4 more. Oh, I don't have that truck anymore.\n\nThat that won't need the business. No. I don't think so. Probably to my mom. Oh, I I do.\n\nI can't even remember who. I think my brother's on that. I think it changed a bit, but because I had a thought with my sister-in-law, so I don't wonder who did. Yeah. My brother is in the works.\n\nProbably just carry him in. Hello? Yes. It'll be fine. Yeah.\n\nYeah. Okay. Yep. Okay. Oh, bonding and un lapsing.\n\nYeah. Yes. Yes. Probably did you just sign it electronically? Oh, okay.\n\nYou can just email. I can print it. Yeah. That's fine. I'll forget I'll I'll forget about it in the mail.\n\nMhmm. No. Mhmm. Yep. No.\n\nNo. I don't think so. Okay. Thanks. Oh, if you can put a note in there, just always call me sort of after three.\n\nAfter three or four, somewhere in there. Just because so on the busy days, I don't finish till around 03:34, so I can't answer my phone. Yeah. And, hopefully, I'll answer for you. Yeah.\n\nYeah. I don't want you ringing people having to ring people at 06:00 at night. So yeah. Oh, okay. Yep.\n\nYep. No worries. Thanks, Diana. Yep. Thanks, Tom.\n\nThank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.92,"end":2.24,"sentiment":"neutral","sentiment_score":0.03527345135807991},{"text":"It's Peter speaking.","start":2.24,"end":3.22,"sentiment":"neutral","sentiment_score":0.027399804443120956},{"text":"Oh, okay.","start":7.9199996,"end":8.559999,"sentiment":"neutral","sentiment_score":0.1962357982993126},{"text":"Alright.","start":8.559999,"end":9.04,"sentiment":"neutral","sentiment_score":0.29411882162094116},{"text":"Thanks.","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.5664888620376587}],"sentiment":"neutral","sentiment_score":0.17131901811808348,"num_words":8,"start":1.92,"end":9.54},{"sentences":[{"text":"Sorry?","start":16.815,"end":17.315,"sentiment":"neutral","sentiment_score":0.09943759441375732},{"text":"The review.","start":18.015,"end":18.595001,"sentiment":"neutral","sentiment_score":0.059641698375344276},{"text":"Yep.","start":20.975,"end":21.475,"sentiment":"neutral","sentiment_score":0.0831744521856308},{"text":"Yep.","start":21.775002,"end":22.275002,"sentiment":"neutral","sentiment_score":0.13008683919906616},{"text":"Yep.","start":23.455,"end":23.955,"sentiment":"neutral","sentiment_score":0.18899372220039368}],"sentiment":"neutral","sentiment_score":0.10349600079158942,"num_words":6,"start":16.815,"end":23.955},{"sentences":[{"text":"Sure.","start":32.89,"end":33.39,"sentiment":"neutral","sentiment_score":0.2096492052078247},{"text":"Peter Ellen Grant.","start":42.295,"end":43.515,"sentiment":"neutral","sentiment_score":0.014518527624507746},{"text":"Twenty fourth of ninth seventy two.","start":45.015,"end":47.195,"sentiment":"neutral","sentiment_score":0.008715962680677572},{"text":"I'm not sure what address she got on file.","start":47.975,"end":50.635,"sentiment":"neutral","sentiment_score":-0.011092784090174569},{"text":"You got 209 Fitzroy Street or 4284 River Street?","start":50.934998,"end":59.51,"sentiment":"neutral","sentiment_score":-0.007704208708471722}],"sentiment":"neutral","sentiment_score":0.0048688438920570275,"num_words":28,"start":32.89,"end":59.51},{"sentences":[{"text":"Yeah.","start":61.01,"end":61.25,"sentiment":"neutral","sentiment_score":0.004252055194228888},{"text":"So it's been updated.","start":61.25,"end":62.21,"sentiment":"neutral","sentiment_score":0.016882240772247314},{"text":"Yeah.","start":62.21,"end":62.289997,"sentiment":"neutral","sentiment_score":0.00822450965642929},{"text":"That's where I am at the moment.","start":62.289997,"end":63.329998,"sentiment":"neutral","sentiment_score":0.007590206206909248},{"text":"Yeah.","start":63.329998,"end":63.829998,"sentiment":"neutral","sentiment_score":0.028423916548490524}],"sentiment":"neutral","sentiment_score":0.011540063424035907,"num_words":14,"start":61.01,"end":63.829998},{"sentences":[{"text":"Yeah.","start":65.81,"end":65.97,"sentiment":"neutral","sentiment_score":0.04420182481408119},{"text":"Balance.","start":65.97,"end":66.47,"sentiment":"neutral","sentiment_score":0.05029512941837311},{"text":"Yep.","start":66.53,"end":67.03,"sentiment":"neutral","sentiment_score":0.03418327122926712},{"text":"Oh, yeah.","start":80.015,"end":80.335,"sentiment":"neutral","sentiment_score":0.0793403834104538},{"text":"You can do that.","start":80.335,"end":81.395,"sentiment":"neutral","sentiment_score":0.1067016888409853}],"sentiment":"neutral","sentiment_score":0.07935197196073002,"num_words":9,"start":65.81,"end":81.395},{"sentences":[{"text":"Yep.","start":87.93,"end":88.43,"sentiment":"neutral","sentiment_score":0.1381847858428955},{"text":"No.","start":114.46,"end":114.86,"sentiment":"neutral","sentiment_score":-0.07080922275781631},{"text":"I've finished already.","start":114.86,"end":116.16,"sentiment":"neutral","sentiment_score":-0.050093505531549454},{"text":"Well, You start early, but oh, I've I've sold the milk run.","start":118.78,"end":129.655,"sentiment":"neutral","sentiment_score":0.007940981537103655},{"text":"I'm looking to buy another business.","start":129.655,"end":131.37,"sentiment":"neutral","sentiment_score":-0.1426548125843207}],"sentiment":"neutral","sentiment_score":-0.03667574132914129,"num_words":23,"start":87.93,"end":131.37},{"sentences":[{"text":"I'm just I'm just doing parcel deliveries for Australia Post, but it's pretty shit.","start":132.40999,"end":138.83,"sentiment":"neutral","sentiment_score":-0.2967585836138044},{"text":"Pretty dismal.","start":139.04999,"end":139.79,"sentiment":"negative","sentiment_score":-0.714460551738739},{"text":"You can't live on it.","start":140.33,"end":141.62999,"sentiment":"negative","sentiment_score":-0.3903424710035324},{"text":"Yeah.","start":154.64499,"end":154.885,"sentiment":"neutral","sentiment_score":-0.19945088028907776},{"text":"You need to deliver about 500 parcels a day in a year to make it worse for any year.","start":154.885,"end":161.57,"sentiment":"negative","sentiment_score":-0.38191920205166463}],"sentiment":"negative","sentiment_score":-0.36563827678924654,"num_words":41,"start":132.40999,"end":161.57},{"sentences":[{"text":"So what's what's to self manage your super fund, how much do you have to have in it?","start":162.19,"end":167.31,"sentiment":"neutral","sentiment_score":0.018957383258061275},{"text":"Is it 250,000?","start":167.31,"end":168.85,"sentiment":"neutral","sentiment_score":0.005309644620865583},{"text":"Yep.","start":186.045,"end":186.42,"sentiment":"neutral","sentiment_score":-0.055923424661159515},{"text":"Oh, because I just thought about instead of buying a business, I thought about just dumping it into my super and then seeing if I can buy put that against my mortgage and then get my mortgage redone so I'm not paying off as much.","start":208.675,"end":222.18,"sentiment":"neutral","sentiment_score":-0.32913482222292156},{"text":"Yeah.","start":238.565,"end":238.805,"sentiment":"neutral","sentiment_score":-0.10429489612579346}],"sentiment":"neutral","sentiment_score":-0.21491358071045183,"num_words":68,"start":162.19,"end":238.805},{"sentences":[{"text":"So it's it's always cheaper.","start":238.805,"end":240.245,"sentiment":"neutral","sentiment_score":-0.05405791476368904},{"text":"So you can you can have a $100,100 and $50 in the soup and and be homeless.","start":240.245,"end":244.75,"sentiment":"neutral","sentiment_score":0.07267206381349002},{"text":"This is why our country sucks, mate.","start":244.97,"end":246.89,"sentiment":"negative","sentiment_score":-0.5590952847685132},{"text":"It's so stupid.","start":246.89,"end":247.70999,"sentiment":"negative","sentiment_score":-0.6982463995615641},{"text":"They've they've they've ruined soup.","start":248.25,"end":250.09,"sentiment":"negative","sentiment_score":-0.5497278153896332}],"sentiment":"neutral","sentiment_score":-0.21059215562166395,"num_words":37,"start":238.805,"end":250.09},{"sentences":[{"text":"I I never made any money off soup prices until I went over to you guys.","start":250.09,"end":253.69,"sentiment":"neutral","sentiment_score":-0.2810106547549367},{"text":"I don't know what's done this year, but oh.","start":253.69,"end":265.405,"sentiment":"neutral","sentiment_score":-0.13561263473497498},{"text":"But that's what a house that's what a house does as well.","start":272.03998,"end":274.62,"sentiment":"neutral","sentiment_score":-0.00721857335884124},{"text":"But but but if you if you if you if you own if you own a house and lived overseas, you could easily live off the rent of the house in, like, The Philippines or something.","start":291.015,"end":300.47998,"sentiment":"neutral","sentiment_score":-0.0034810397773981094},{"text":"Yeah?","start":300.47998,"end":300.97998,"sentiment":"neutral","sentiment_score":0.01001669280230999}],"sentiment":"neutral","sentiment_score":-0.07998118659707944,"num_words":74,"start":250.09,"end":300.97998},{"sentences":[{"text":"That's what I'd like to do.","start":301.04,"end":302.16,"sentiment":"neutral","sentiment_score":0.011215508294602236},{"text":"I just because I'll I'll never retire in Australia.","start":302.16,"end":304.82,"sentiment":"neutral","sentiment_score":-0.05859900928205914},{"text":"I won't I'll I'll die before I get to 67 or whatever they make it for.","start":305.03998,"end":308.63998,"sentiment":"neutral","sentiment_score":-0.27539076562970877},{"text":"It'll be 75 as of by the time I get there.","start":308.63998,"end":311.145,"sentiment":"neutral","sentiment_score":-0.17997750368985263},{"text":"And it's not no.","start":311.625,"end":315.38498,"sentiment":"negative","sentiment_score":-0.3699093237519264}],"sentiment":"neutral","sentiment_score":-0.18099435042265966,"num_words":46,"start":301.04,"end":315.38498},{"sentences":[{"text":"It's not I'll I'll never be able to retire.","start":315.38498,"end":317.305,"sentiment":"negative","sentiment_score":-0.40033550063769024},{"text":"You you can see how much I've got in there.","start":317.305,"end":318.745,"sentiment":"neutral","sentiment_score":-0.0267270989716053},{"text":"There's nothing.","start":318.745,"end":319.38498,"sentiment":"negative","sentiment_score":-0.4539202153682709},{"text":"I'll never be able to retire on that.","start":319.38498,"end":321.085,"sentiment":"negative","sentiment_score":-0.40402561239898205},{"text":"That's not even that's not even a year's wage.","start":321.465,"end":323.82,"sentiment":"negative","sentiment_score":-0.4757148093647427}],"sentiment":"neutral","sentiment_score":-0.3234676081491144,"num_words":38,"start":315.38498,"end":323.82},{"sentences":[{"text":"A 100 and a 125?","start":359.865,"end":367.645,"sentiment":"neutral","sentiment_score":0.0022814015857875345},{"text":"Yeah.","start":368.745,"end":368.985,"sentiment":"neutral","sentiment_score":-0.03751636669039726},{"text":"So it hasn't even got back to where it was on the first year.","start":368.985,"end":371.38498,"sentiment":"neutral","sentiment_score":-0.1813480050436088},{"text":"The first year, I think, was a 128.","start":371.38498,"end":373.47,"sentiment":"neutral","sentiment_score":-0.10018239263445139},{"text":"Then this this is Trump.","start":373.47,"end":376.03,"sentiment":"neutral","sentiment_score":-0.0975008711218834}],"sentiment":"neutral","sentiment_score":-0.11678620988051548,"num_words":33,"start":359.865,"end":376.03},{"sentences":[{"text":"This is all these boomers just ruining this world.","start":376.03,"end":378.53,"sentiment":"negative","sentiment_score":-0.4595418787664837},{"text":"Between Trump and Putin and wish I'd all hurry up and die.","start":378.91,"end":383.49,"sentiment":"negative","sentiment_score":-0.6180727432171503},{"text":"No.","start":385.23,"end":385.73,"sentiment":"negative","sentiment_score":-0.5343066453933716},{"text":"Seriously, they've they've ruined the the world.","start":385.79,"end":387.745,"sentiment":"negative","sentiment_score":-0.6564212143421173},{"text":"So between all the old farts, the bloody Albanese and Trump and Putin, they destroyed the place.","start":387.745,"end":403.08,"sentiment":"negative","sentiment_score":-0.5294667517437655}],"sentiment":"negative","sentiment_score":-0.558324777237747,"num_words":46,"start":376.03,"end":403.08},{"sentences":[{"text":"Anyhow, so only a 125.","start":403.31998,"end":405.08,"sentiment":"neutral","sentiment_score":-0.2074001759290695},{"text":"See, that's not even I was earning more than that a year when I had my business.","start":405.08,"end":408.19998,"sentiment":"neutral","sentiment_score":-0.26802703913520365},{"text":"I was earning about 140 a year.","start":408.19998,"end":410.06,"sentiment":"neutral","sentiment_score":-0.12463372094290597},{"text":"Yeah.","start":410.68,"end":411.08,"sentiment":"neutral","sentiment_score":-0.06583273410797119},{"text":"So it's not it's not even a year's wait.","start":411.08,"end":413.09998,"sentiment":"neutral","sentiment_score":-0.19432507041427824}],"sentiment":"neutral","sentiment_score":-0.21232448613796479,"num_words":39,"start":403.31998,"end":413.09998},{"sentences":[{"text":"See you.","start":413.24,"end":413.56,"sentiment":"neutral","sentiment_score":-0.04509000852704048},{"text":"It's like I might as well just throw it all in a Bitcoin.","start":413.56,"end":417.63998,"sentiment":"neutral","sentiment_score":-0.10292446727936085},{"text":"Just go all in on Bitcoin on it.","start":417.63998,"end":419.825,"sentiment":"neutral","sentiment_score":-0.06004085065796971},{"text":"Yeah.","start":429.805,"end":430.305,"sentiment":"neutral","sentiment_score":-0.2201709747314453},{"text":"I'm I'm sure I'm sure I'm sure as soon as I invest in it soon as I invest in it, it'll you'll go to worth nothing.","start":436.69998,"end":445.12,"sentiment":"neutral","sentiment_score":-0.057424017729667515}],"sentiment":"neutral","sentiment_score":-0.07243440665304661,"num_words":50,"start":413.24,"end":445.12},{"sentences":[{"text":"Because I still don't even understand how it's worth anything.","start":446.955,"end":449.51498,"sentiment":"negative","sentiment_score":-0.3538114666938782},{"text":"But, you know, it's like as soon as I bought a house, I've I've only been here three years and what housing prices are going down there.","start":449.51498,"end":456.975,"sentiment":"neutral","sentiment_score":-0.23943048770780917},{"text":"Yeah.","start":457.51498,"end":457.835,"sentiment":"neutral","sentiment_score":-0.07720352709293365},{"text":"And and and and interest rates have gone up 14 times since I bought a house.","start":457.835,"end":462.27,"sentiment":"neutral","sentiment_score":-0.1328403369989246},{"text":"Soon as I buy a house, it just went up every time.","start":462.34998,"end":464.91,"sentiment":"neutral","sentiment_score":-0.09526859906812508}],"sentiment":"neutral","sentiment_score":-0.2022516658021645,"num_words":66,"start":446.955,"end":464.91},{"sentences":[{"text":"It went down it went down twice, but it's been 14 rises.","start":464.91,"end":468.12997,"sentiment":"neutral","sentiment_score":-0.20419485867023468},{"text":"And just just this whole system, how we we try to curb inflation by by destroying people's mortgages and increase rent and that, that doesn't affect my parents.","start":469.62997,"end":480.845,"sentiment":"neutral","sentiment_score":-0.09254396640296493},{"text":"My parents own all their houses.","start":480.845,"end":482.385,"sentiment":"neutral","sentiment_score":-0.055777830382188164},{"text":"Yeah?","start":482.765,"end":483.24503,"sentiment":"neutral","sentiment_score":0.00926310382783413},{"text":"It doesn't affect them at all.","start":483.24503,"end":484.86502,"sentiment":"neutral","sentiment_score":-0.07132536980013053}],"sentiment":"neutral","sentiment_score":-0.10933821623758325,"num_words":53,"start":464.91,"end":484.86502},{"sentences":[{"text":"Yeah?","start":485.565,"end":486.065,"sentiment":"neutral","sentiment_score":-0.051938921213150024},{"text":"All the all all the you go look at all the cafes.","start":486.36502,"end":488.785,"sentiment":"neutral","sentiment_score":-0.1893845113615195},{"text":"All the cafes are still full of boomers.","start":488.845,"end":490.91,"sentiment":"neutral","sentiment_score":-0.31961260735988617},{"text":"All all parts of them.","start":490.91,"end":491.87,"sentiment":"neutral","sentiment_score":-0.27117927372455597},{"text":"No one else can afford to live.","start":491.87,"end":493.57,"sentiment":"negative","sentiment_score":-0.5277872383594513}],"sentiment":"neutral","sentiment_score":-0.3009654834414973,"num_words":33,"start":485.565,"end":493.57},{"sentences":[{"text":"The the whole system the whole financial system is is stupid.","start":494.59,"end":498.13,"sentiment":"negative","sentiment_score":-0.657829387621446},{"text":"Yeah.","start":499.22998,"end":499.72998,"sentiment":"neutral","sentiment_score":-0.06960497796535492},{"text":"Who was it, buddy?","start":500.27,"end":501.15,"sentiment":"neutral","sentiment_score":-0.07012001797556877},{"text":"What's his name?","start":501.15,"end":501.87,"sentiment":"neutral","sentiment_score":-0.06920903051892917},{"text":"Chasing thought they did.","start":501.87,"end":503.16998,"sentiment":"neutral","sentiment_score":-0.15464866533875465}],"sentiment":"negative","sentiment_score":-0.3657578289832758,"num_words":23,"start":494.59,"end":503.16998},{"sentences":[{"text":"That's another stupid system.","start":504.27,"end":505.805,"sentiment":"negative","sentiment_score":-0.3468809761106968},{"text":"It doesn't work.","start":505.805,"end":506.525,"sentiment":"negative","sentiment_score":-0.38701093196868896},{"text":"It's the same.","start":506.525,"end":508.605,"sentiment":"neutral","sentiment_score":-0.10809689263502757},{"text":"It's stupid.","start":508.605,"end":509.085,"sentiment":"negative","sentiment_score":-0.3336104601621628},{"text":"They the Liberals ruined super.","start":509.085,"end":510.945,"sentiment":"negative","sentiment_score":-0.47663888335227966}],"sentiment":"negative","sentiment_score":-0.3484272185493918,"num_words":17,"start":504.27,"end":510.945},{"sentences":[{"text":"But then here.","start":514.125,"end":515.025,"sentiment":"neutral","sentiment_score":-0.06151807929078738},{"text":"Yeah.","start":560.055,"end":560.375,"sentiment":"neutral","sentiment_score":-0.04183878004550934},{"text":"For the for the Trump?","start":560.375,"end":561.675,"sentiment":"neutral","sentiment_score":-0.04946713373064995},{"text":"He's an idiot.","start":562.615,"end":563.59503,"sentiment":"neutral","sentiment_score":-0.1631911670168241},{"text":"I mean, I would agree with some of the things he does, but I mean.","start":564.455,"end":569.25,"sentiment":"neutral","sentiment_score":-0.0074098623668154085}],"sentiment":"neutral","sentiment_score":-0.0397944490045861,"num_words":27,"start":514.125,"end":569.25},{"sentences":[{"text":"I'm looking at all sorts of things, all sorts of stuff here.","start":709.695,"end":712.595,"sentiment":"neutral","sentiment_score":0.043171624497820936},{"text":"I don't I don't know.","start":718.95,"end":720.25,"sentiment":"neutral","sentiment_score":-0.07624219805002212},{"text":"Like, six months ago would have been I I didn't wanna sell my Milcro.","start":720.39,"end":723.58997,"sentiment":"neutral","sentiment_score":-0.1363534198275634},{"text":"I I was forced into it.","start":723.58997,"end":725.21,"sentiment":"neutral","sentiment_score":-0.20265893389781317},{"text":"That's that's that's Norco.","start":725.75,"end":728.01,"sentiment":"neutral","sentiment_score":-0.1053355224430561}],"sentiment":"neutral","sentiment_score":-0.08315597724442075,"num_words":41,"start":709.695,"end":728.01},{"sentences":[{"text":"They did it to a whole heap of people.","start":729.185,"end":730.785,"sentiment":"neutral","sentiment_score":-0.19261899921629164},{"text":"I was I was lucky I got I got what I wanted for the business, but one of the other guys lost at at a $120.","start":730.785,"end":739.605,"sentiment":"neutral","sentiment_score":-0.20334670778650504},{"text":"And he'd only just he'd only just bought it.","start":741.02496,"end":742.98,"sentiment":"neutral","sentiment_score":-0.1940207009514173},{"text":"He he bought it, like, four years ago like me.","start":743.13995,"end":745.13995,"sentiment":"neutral","sentiment_score":-0.16846775114536286},{"text":"He'd only just bought it, and then they made him sell it.","start":745.13995,"end":748.04,"sentiment":"neutral","sentiment_score":-0.2186222324768702}],"sentiment":"neutral","sentiment_score":-0.1981047879565846,"num_words":66,"start":729.185,"end":748.04},{"sentences":[{"text":"Yeah.","start":748.66,"end":748.89996,"sentiment":"neutral","sentiment_score":-0.14766660332679749},{"text":"They're mongrels, mate.","start":748.89996,"end":750.04,"sentiment":"negative","sentiment_score":-0.4378783404827118},{"text":"Norco, the the middle management and and all that, The CEO, that they're all scumbags.","start":750.42,"end":757.135,"sentiment":"negative","sentiment_score":-0.44607225557168323},{"text":"But really, you you're in you're in the Gold Coast, aren't you?","start":759.115,"end":762.575,"sentiment":"neutral","sentiment_score":-0.14256226706008115},{"text":"Yeah.","start":763.435,"end":763.935,"sentiment":"neutral","sentiment_score":-0.012414883822202682}],"sentiment":"neutral","sentiment_score":-0.30861086084041744,"num_words":32,"start":748.66,"end":763.935},{"sentences":[{"text":"That's what it is.","start":765.435,"end":766.415,"sentiment":"neutral","sentiment_score":-0.0031491777335759252},{"text":"I think I've been there once.","start":767.035,"end":768.415,"sentiment":"neutral","sentiment_score":-0.0013649059304346638},{"text":"How how old are you, Dana?","start":768.475,"end":769.77,"sentiment":"neutral","sentiment_score":-0.04008857812732458},{"text":"Oh, okay.","start":771.77,"end":772.59,"sentiment":"neutral","sentiment_score":-0.0343600045889616},{"text":"Oh, I just I was just kinda oh, it's just because I I feel sorry for the kids coming through these days with all this shit.","start":773.45,"end":780.41003,"sentiment":"negative","sentiment_score":-0.40923822728487164}],"sentiment":"neutral","sentiment_score":-0.24932344395148737,"num_words":44,"start":765.435,"end":780.41003},{"sentences":[{"text":"You know?","start":780.41003,"end":781.07,"sentiment":"neutral","sentiment_score":-0.22116772830486298},{"text":"You're you're probably a bit more you're probably a bit more established.","start":781.77,"end":784.82495,"sentiment":"neutral","sentiment_score":-0.11361313673357169},{"text":"So Oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh Never.","start":784.96497,"end":835.605,"sentiment":"neutral","sentiment_score":-0.027900314334058953},{"text":"Oh, I doubt I doubt at least I win water.","start":836.22504,"end":838.245,"sentiment":"neutral","sentiment_score":-0.24181914180517197},{"text":"At the moment, it it I it I think I owe about $300 or it it's only 200 at the moment, but there's a there's a 100 and something a 110 or something in the redraw.","start":839.665,"end":854.87,"sentiment":"neutral","sentiment_score":-0.014290116494521499}],"sentiment":"neutral","sentiment_score":-0.053017608180153566,"num_words":122,"start":780.41003,"end":854.87},{"sentences":[{"text":"I can redraw the bottom business if I wanted.","start":854.87,"end":857.61005,"sentiment":"neutral","sentiment_score":0.09994049908386336},{"text":"So I think at the moment, it's about 200, but realistic, it's a bit over $303,100 and something.","start":858.15,"end":863.385,"sentiment":"neutral","sentiment_score":0.06042905462284883},{"text":"But, yeah, the rate your rate you're paying it off.","start":863.385,"end":868.825,"sentiment":"neutral","sentiment_score":0.006470227893441915},{"text":"I'm barely like, I think I only pay off about $200 a month, you know, off off the residual.","start":868.825,"end":876.71,"sentiment":"neutral","sentiment_score":-0.07254200918894065},{"text":"So what's that?","start":877.01,"end":877.81006,"sentiment":"neutral","sentiment_score":-0.0030101026641204953}],"sentiment":"neutral","sentiment_score":0.011263750361326009,"num_words":59,"start":854.87,"end":877.81006},{"sentences":[{"text":"It's only $1,200 a year.","start":877.81006,"end":880.45,"sentiment":"neutral","sentiment_score":-0.009284010902047158},{"text":"How long do they go?","start":880.45,"end":881.25,"sentiment":"neutral","sentiment_score":-0.05853131264448166},{"text":"Like, pay off forever.","start":881.25,"end":882.39,"sentiment":"neutral","sentiment_score":-0.03131985291838646},{"text":"Yeah.","start":884.89,"end":885.39,"sentiment":"neutral","sentiment_score":-0.04855116456747055},{"text":"Yeah.","start":887.89,"end":888.05005,"sentiment":"neutral","sentiment_score":0.0017961785197257996}],"sentiment":"neutral","sentiment_score":-0.03194443846587092,"num_words":16,"start":877.81006,"end":888.05005},{"sentences":[{"text":"So it's just I don't know.","start":888.05005,"end":890.505,"sentiment":"neutral","sentiment_score":-0.07489768415689468},{"text":"I don't know.","start":890.505,"end":891.645,"sentiment":"neutral","sentiment_score":-0.2087090661128362},{"text":"I'll have to anytime I pay it off is if I get when my parents I'll get some money from them when they they're quite well off there.","start":891.645,"end":901.71,"sentiment":"neutral","sentiment_score":-0.04271691416631386},{"text":"Oh, yeah.","start":925.64496,"end":926.285,"sentiment":"neutral","sentiment_score":-0.06245620734989643},{"text":"I don't know.","start":926.285,"end":926.76495,"sentiment":"neutral","sentiment_score":-0.15277678767840067}],"sentiment":"neutral","sentiment_score":-0.06797213518265857,"num_words":42,"start":888.05005,"end":926.76495},{"sentences":[{"text":"I was I was well, I said if I if I could get it down the repayment's down enough that that that the rent would actually cover the the the rates and the strata and all that and a bit more for me to live on, then I'd like to say, I'll just go overseas.","start":926.76495,"end":944.825,"sentiment":"neutral","sentiment_score":-0.02881680645725944},{"text":"I'll just sell everything to go overseas.","start":944.825,"end":946.365,"sentiment":"neutral","sentiment_score":-0.0502596486892019},{"text":"I've I've thought about doing that just because I've got a few I've got a few collectible cars, probably probably about a $150 worth of collectible cars.","start":946.665,"end":958.06,"sentiment":"neutral","sentiment_score":0.00028395841622518166},{"text":"And I thought about just selling all them, and I've got a few old rifles.","start":958.06,"end":963.52,"sentiment":"neutral","sentiment_score":-0.13918033068378766},{"text":"They're not worth much, but and but just selling everything and just put it all against my mortgage and then refinancing the mortgage so the repayments are right like because at the moment, I couldn't rent this place out.","start":964.7,"end":977.40497,"sentiment":"neutral","sentiment_score":-0.31065928019010103}],"sentiment":"neutral","sentiment_score":-0.11281462871612838,"num_words":143,"start":926.76495,"end":977.40497},{"sentences":[{"text":"It wouldn't even cover it wouldn't even cover the strata and that.","start":977.40497,"end":981.005,"sentiment":"negative","sentiment_score":-0.4016265819470088},{"text":"It wouldn't even cover the mortgage, I don't think.","start":981.005,"end":983.01,"sentiment":"neutral","sentiment_score":-0.31448377503289116},{"text":"Oh, yeah.","start":983.81,"end":984.21,"sentiment":"neutral","sentiment_score":-0.07864561676979065},{"text":"Because the mortgage is 2,200 a month.","start":984.21,"end":987.19,"sentiment":"neutral","sentiment_score":-0.12579392535345896},{"text":"There's no way you get $500 a week for this place.","start":987.73,"end":990.29004,"sentiment":"neutral","sentiment_score":-0.26998961107297376}],"sentiment":"neutral","sentiment_score":-0.284331887596991,"num_words":41,"start":977.40497,"end":990.29004},{"sentences":[{"text":"No way.","start":990.29004,"end":990.95,"sentiment":"neutral","sentiment_score":-0.3262506276369095},{"text":"Didn't that change a good location?","start":992.29004,"end":993.67,"sentiment":"neutral","sentiment_score":-0.23631701121727625},{"text":"I bought I bought the cheapest place in Ballina for 200 thousand dollars.","start":994.05,"end":997.845,"sentiment":"neutral","sentiment_score":0.03925257283621109},{"text":"And it's built built in 1960, and it hasn't been renovated.","start":999.605,"end":1003.06494,"sentiment":"neutral","sentiment_score":0.05059247379275886},{"text":"It's old.","start":1003.845,"end":1004.58496,"sentiment":"neutral","sentiment_score":-0.02022383362054825}],"sentiment":"neutral","sentiment_score":-0.030707362683161217,"num_words":34,"start":990.29004,"end":1004.58496},{"sentences":[{"text":"No dishwasher.","start":1005.045,"end":1005.785,"sentiment":"neutral","sentiment_score":-0.11019858717918396},{"text":"So yeah.","start":1007.285,"end":1008.245,"sentiment":"neutral","sentiment_score":0.04680781252682209},{"text":"Yeah.","start":1008.245,"end":1008.40497,"sentiment":"neutral","sentiment_score":0.26358741521835327},{"text":"It's full popper.","start":1008.40497,"end":1009.46497,"sentiment":"positive","sentiment_score":0.47387484709421795},{"text":"Oh, it's a great location.","start":1021.77997,"end":1022.92,"sentiment":"neutral","sentiment_score":0.29197351932525634}],"sentiment":"neutral","sentiment_score":0.2321767695248127,"num_words":13,"start":1005.045,"end":1022.92},{"sentences":[{"text":"That's what I bought it.","start":1022.98,"end":1023.885,"sentiment":"neutral","sentiment_score":0.1275654673576355},{"text":"I bought it it it's it's really primed for development, and and we've already got everyone we've already got a a what do you call it?","start":1024.845,"end":1033.585,"sentiment":"neutral","sentiment_score":0.15825862165253896},{"text":"I think we've got four out of four out of seven owners or five out of seven owners that will sell to a developer if they they can.","start":1035.405,"end":1043.43,"sentiment":"neutral","sentiment_score":0.026783594994672706},{"text":"So that's the only reason I bought it is and I had to buy a place because I couldn't rent a place with a dog after the floods.","start":1044.29,"end":1050.705,"sentiment":"neutral","sentiment_score":-0.08486925241803485},{"text":"It's impossible.","start":1050.7849,"end":1051.445,"sentiment":"neutral","sentiment_score":-0.2740984261035919}],"sentiment":"neutral","sentiment_score":0.028965800445987268,"num_words":89,"start":1022.98,"end":1051.445},{"sentences":[{"text":"I was off I was I was offering them six months in advance.","start":1052.1449,"end":1055.3049,"sentiment":"neutral","sentiment_score":0.03310944874269458},{"text":"I was offering $24,000 up front, and they I still couldn't get them.","start":1055.3049,"end":1059.205,"sentiment":"negative","sentiment_score":-0.4419270857022359},{"text":"I I've only just got done a when was it?","start":1079.9951,"end":1084.655,"sentiment":"neutral","sentiment_score":-0.10897674858570099},{"text":"Just come up two years now.","start":1085.1151,"end":1086.7351,"sentiment":"neutral","sentiment_score":-0.10216279700398445},{"text":"Because I I re I already did it.","start":1087.8351,"end":1090.015,"sentiment":"neutral","sentiment_score":-0.07894983887672424}],"sentiment":"neutral","sentiment_score":-0.15297944518737494,"num_words":50,"start":1052.1449,"end":1090.015},{"sentences":[{"text":"I don't know if I told you last time.","start":1092.87,"end":1094.03,"sentiment":"neutral","sentiment_score":-0.1662386862768067},{"text":"I told her I helped she's I don't know what she is.","start":1094.03,"end":1097.43,"sentiment":"neutral","sentiment_score":-0.2612680618961652},{"text":"She's like my financial burden that was my ex partner or whatever the hell she is.","start":1097.43,"end":1101.85,"sentiment":"negative","sentiment_score":-0.46890031173825264},{"text":"I've helped her buy a car, so I I redid the mortgage to split it up.","start":1103.67,"end":1108.945,"sentiment":"neutral","sentiment_score":0.007892001623986289},{"text":"So her car was on my because I've I've lent her money before.","start":1108.945,"end":1112.305,"sentiment":"neutral","sentiment_score":-0.050295526878191874}],"sentiment":"neutral","sentiment_score":-0.19183848076499999,"num_words":66,"start":1092.87,"end":1112.305},{"sentences":[{"text":"She she owes she owes me shitloads, but I've lent her money before, and she never paid any interest.","start":1112.305,"end":1117.345,"sentiment":"neutral","sentiment_score":-0.13044005044196783},{"text":"She paid the car.","start":1117.345,"end":1118.385,"sentiment":"neutral","sentiment_score":-0.05059701018035412},{"text":"She paid off another car before.","start":1118.385,"end":1120.18,"sentiment":"neutral","sentiment_score":-0.011121019721031189},{"text":"But I said this time, you're gonna be copping interest because you know?","start":1120.8,"end":1125.06,"sentiment":"neutral","sentiment_score":-0.007297552907123015},{"text":"And that's how I split up the loan, and I got the broker that did it for me said, oh, you might as well change banks because you can get I think I got $2,000 or $3,000 for swapping banks.","start":1125.68,"end":1137.225,"sentiment":"neutral","sentiment_score":0.02944943495094776}],"sentiment":"neutral","sentiment_score":-0.020297145209752204,"num_words":82,"start":1112.305,"end":1137.225},{"sentences":[{"text":"But, yeah, it's it's not too bad.","start":1138.645,"end":1141.285,"sentiment":"neutral","sentiment_score":0.24788926328931535},{"text":"The payments aren't too bad.","start":1141.285,"end":1142.405,"sentiment":"positive","sentiment_score":0.3658816576004028},{"text":"It's only $2.02.","start":1142.405,"end":1143.705,"sentiment":"neutral","sentiment_score":0.1997050146261851},{"text":"It's hardly going up from with the interest rates.","start":1144.085,"end":1147.23,"sentiment":"neutral","sentiment_score":-0.038074938787354365},{"text":"Yes.","start":1149.71,"end":1150.21,"sentiment":"neutral","sentiment_score":0.03868181258440018}],"sentiment":"neutral","sentiment_score":0.15439022153615953,"num_words":25,"start":1138.645,"end":1150.21},{"sentences":[{"text":"It's just all hassle there.","start":1150.75,"end":1152.45,"sentiment":"neutral","sentiment_score":-0.29916260540485384},{"text":"I don't know.","start":1152.59,"end":1153.33,"sentiment":"neutral","sentiment_score":-0.2904406090577443},{"text":"I'll I'll I'll have a I'll have a look at I'll have a look at what they're charging me, and then I'll I'll do a quick look myself and see if it's yeah.","start":1205.8501,"end":1216.385,"sentiment":"neutral","sentiment_score":0.13197947237076182},{"text":"Yeah.","start":1251.6101,"end":1251.77,"sentiment":"neutral","sentiment_score":0.002318117767572403},{"text":"Okay.","start":1251.77,"end":1252.27,"sentiment":"neutral","sentiment_score":-0.006142676807940006}],"sentiment":"neutral","sentiment_score":0.04614798081389,"num_words":43,"start":1150.75,"end":1252.27},{"sentences":[{"text":"The the the the the problem with it is that you can't take it back out.","start":1255.37,"end":1259.29,"sentiment":"neutral","sentiment_score":-0.16472122492268682},{"text":"I'd I'd rather put it off my loan where where I can get it back if I want it.","start":1259.29,"end":1265.515,"sentiment":"neutral","sentiment_score":-0.11153342594441615},{"text":"Because what I what I was doing and and like I said, I've I've got a I'm sorry.","start":1266.215,"end":1270.955,"sentiment":"neutral","sentiment_score":-0.07761780814164215},{"text":"I know you're in the industry, but I've got a really bad opinion of super I think it's shit.","start":1271.015,"end":1275.54,"sentiment":"negative","sentiment_score":-0.3816206639534549},{"text":"Because I'll put in I'll put I'll put money into it for years.","start":1275.62,"end":1278.74,"sentiment":"neutral","sentiment_score":-0.03906834333275373}],"sentiment":"neutral","sentiment_score":-0.163652662549387,"num_words":85,"start":1255.37,"end":1278.74},{"sentences":[{"text":"Oh, the dog's leaving the room.","start":1278.74,"end":1280.02,"sentiment":"neutral","sentiment_score":-0.29997284710407257},{"text":"He doesn't like it when I talk about it.","start":1280.02,"end":1281.78,"sentiment":"negative","sentiment_score":-0.41542600260840523},{"text":"He leaves the room.","start":1281.78,"end":1282.92,"sentiment":"neutral","sentiment_score":-0.2697144225239754},{"text":"I I put in money.","start":1285.62,"end":1287.0,"sentiment":"neutral","sentiment_score":-0.09628701508045197},{"text":"I put in I was putting in $30 a week or something for years, and my it hardly went up.","start":1287.14,"end":1293.655,"sentiment":"neutral","sentiment_score":-0.17980134226381778}],"sentiment":"neutral","sentiment_score":-0.2430679708380591,"num_words":44,"start":1278.74,"end":1293.655},{"sentences":[{"text":"In fact, it was count backwards with those.","start":1293.655,"end":1295.495,"sentiment":"neutral","sentiment_score":-0.30176363699138165},{"text":"You guys are a lot better than the other ones, but a lot of those super funds and see the problem with it all is every super fund's got a CEO and a directors and that, you know, that are all skimming off the top, you know, and and they and they don't perform.","start":1295.495,"end":1310.02,"sentiment":"neutral","sentiment_score":-0.3159615013886381},{"text":"They don't do very well on you with the money.","start":1310.02,"end":1312.5,"sentiment":"negative","sentiment_score":-0.6316069483757019},{"text":"They're they're hopeless.","start":1312.5,"end":1313.48,"sentiment":"negative","sentiment_score":-0.6920182704925537},{"text":"All, you know, all those big ones and that, well, they they were lucky to make 3% stuff with all their fee.","start":1314.18,"end":1319.56,"sentiment":"neutral","sentiment_score":-0.1188547308133407}],"sentiment":"neutral","sentiment_score":-0.3142573045777906,"num_words":97,"start":1293.655,"end":1319.56},{"sentences":[{"text":"They're absolutely costly.","start":1319.78,"end":1331.625,"sentiment":"neutral","sentiment_score":-0.046682681888341904},{"text":"Yes.","start":1345.38,"end":1345.88,"sentiment":"neutral","sentiment_score":0.03181328624486923},{"text":"Probably sick.","start":1349.665,"end":1350.645,"sentiment":"neutral","sentiment_score":-0.11879045888781548},{"text":"Yeah.","start":1350.865,"end":1351.365,"sentiment":"neutral","sentiment_score":0.01863397471606731},{"text":"Yeah.","start":1354.865,"end":1355.365,"sentiment":"neutral","sentiment_score":-0.007942667230963707}],"sentiment":"neutral","sentiment_score":-0.04189054621383548,"num_words":8,"start":1319.78,"end":1355.365},{"sentences":[{"text":"What I did think about doing I was gonna ask my accountant about this, and then Norco made me sell.","start":1357.5851,"end":1363.0,"sentiment":"neutral","sentiment_score":0.08260054588317871},{"text":"I did think about at the end of financial year, if I dump a heap of money into my super, that that can reduce my tax, can't it?","start":1363.0,"end":1371.74,"sentiment":"neutral","sentiment_score":0.054518288134464195},{"text":"Alright.","start":1409.415,"end":1409.915,"sentiment":"positive","sentiment_score":0.3888811469078064},{"text":"Well, see, that that's what I was gonna do.","start":1430.5549,"end":1432.635,"sentiment":"neutral","sentiment_score":0.2165934302740627},{"text":"I I I thought that instead of buying the business, like, selling a whole heap of stuff, dumping it all into my super, but then use it to then pay off my house, but you can't do it.","start":1432.635,"end":1449.5901,"sentiment":"neutral","sentiment_score":-0.10507417156508095}],"sentiment":"neutral","sentiment_score":0.015874234222186107,"num_words":96,"start":1357.5851,"end":1449.5901},{"sentences":[{"text":"So it's yeah.","start":1449.5901,"end":1450.97,"sentiment":"neutral","sentiment_score":0.16405453781286874},{"text":"Next, you know, you you you should be able to use your super as equity, but you can't.","start":1452.0701,"end":1456.15,"sentiment":"neutral","sentiment_score":0.03243754172904624},{"text":"It's stupid.","start":1456.15,"end":1457.365,"sentiment":"neutral","sentiment_score":-0.31920166313648224},{"text":"It's so stupid.","start":1468.0651,"end":1468.8,"sentiment":"neutral","sentiment_score":-0.30859428147474927},{"text":"Yes.","start":1493.1349,"end":1493.37,"sentiment":"neutral","sentiment_score":0.2522709369659424}],"sentiment":"neutral","sentiment_score":-0.008736143302586343,"num_words":27,"start":1449.5901,"end":1493.37},{"sentences":[{"text":"But it it'll it'll never get to the amount where I can do that, so there's almost no point.","start":1501.37,"end":1506.51,"sentiment":"neutral","sentiment_score":-0.04071789747104049},{"text":"Yeah.","start":1507.21,"end":1507.61,"sentiment":"neutral","sentiment_score":0.183290034532547},{"text":"Besides besides besides a tax break, because I'll I'll I might what I'll do is if I get another business and I'm doing well again because what I was doing is every I've I've looked at my business account and they get enough money in there.","start":1507.61,"end":1521.505,"sentiment":"neutral","sentiment_score":0.32725316771994467},{"text":"I'd I'd know how many bills I've built what my bills were actually gonna be.","start":1521.505,"end":1525.21,"sentiment":"neutral","sentiment_score":0.23983296851317087},{"text":"And I just, like, I just, like, dumped 10 or $20 off my off my hat.","start":1525.6699,"end":1529.9299,"sentiment":"neutral","sentiment_score":0.2688267659395933}],"sentiment":"neutral","sentiment_score":0.23053627299413698,"num_words":97,"start":1501.37,"end":1529.9299},{"sentences":[{"text":"But I I put it into the house where I knew what where it wasn't been able to withdraw.","start":1530.63,"end":1535.61,"sentiment":"neutral","sentiment_score":0.04531592130661011},{"text":"Not not in the offset.","start":1537.7251,"end":1538.8451,"sentiment":"neutral","sentiment_score":-0.05153080224990845},{"text":"I've I've well, you could redraw on it, but but it's yeah.","start":1538.8451,"end":1542.125,"sentiment":"neutral","sentiment_score":0.012806266662664711},{"text":"It's straight off the line, not on the 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I mean?","start":1862.0,"end":1862.72,"sentiment":"neutral","sentiment_score":-0.32487826943397524},{"text":"Like, it's almost it they've made the super and that's what Pauline Hanson said.","start":1862.72,"end":1867.84,"sentiment":"neutral","sentiment_score":-0.2682565376162529}],"sentiment":"neutral","sentiment_score":-0.26366589736004453,"num_words":69,"start":1847.3651,"end":1867.84},{"sentences":[{"text":"You know?","start":1867.84,"end":1868.4,"sentiment":"neutral","sentiment_score":-0.15443211793899536},{"text":"It it needs to be we need to have more access to it.","start":1868.4,"end":1871.28,"sentiment":"neutral","sentiment_score":-0.2677012418325131},{"text":"You know?","start":1871.28,"end":1871.6,"sentiment":"neutral","sentiment_score":-0.2356380596756935},{"text":"It's just stupid.","start":1871.6,"end":1872.58,"sentiment":"negative","sentiment_score":-0.6076218088467916},{"text":"Yeah.","start":1881.995,"end":1882.495,"sentiment":"neutral","sentiment_score":-0.011261465027928352}],"sentiment":"neutral","sentiment_score":-0.29020873288668336,"num_words":21,"start":1867.84,"end":1882.495},{"sentences":[{"text":"Alright.","start":1894.8099,"end":1895.21,"sentiment":"neutral","sentiment_score":0.02095656096935272},{"text":"60 also with 67.","start":1895.21,"end":1896.99,"sentiment":"neutral","sentiment_score":0.02139372704550624},{"text":"Yes.","start":1902.585,"end":1903.085,"sentiment":"neutral","sentiment_score":0.10646730661392212},{"text":"Yes.","start":1905.705,"end":1906.205,"sentiment":"neutral","sentiment_score":0.1958140879869461},{"text":"Sorry.","start":1928.875,"end":1929.375,"sentiment":"neutral","sentiment_score":-0.0416804812848568}],"sentiment":"neutral","sentiment_score":0.04589154780842364,"num_words":8,"start":1894.8099,"end":1929.375},{"sentences":[{"text":"Yeah.","start":1929.4349,"end":1929.755,"sentiment":"neutral","sentiment_score":-0.003746507689356804},{"text":"So what so do do they check do they look at how much you've got in there?","start":1929.755,"end":1937.0549,"sentiment":"neutral","sentiment_score":0.005361345760962542},{"text":"Or you could just or you could just say, no.","start":1938.795,"end":1940.37,"sentiment":"neutral","sentiment_score":-0.0134681791998446},{"text":"I'm retiring and just take it.","start":1940.37,"end":1942.15,"sentiment":"neutral","sentiment_score":0.010772664099931717},{"text":"Okay.","start":1977.73,"end":1978.23,"sentiment":"neutral","sentiment_score":0.11985664069652556}],"sentiment":"neutral","sentiment_score":0.00392020581556218,"num_words":35,"start":1929.4349,"end":1978.23},{"sentences":[{"text":"What what if I was working overseas?","start":1982.335,"end":1984.195,"sentiment":"neutral","sentiment_score":-0.03429040738514492},{"text":"Would they know about that?","start":1984.335,"end":1985.635,"sentiment":"neutral","sentiment_score":-0.03581291474401951},{"text":"Is that considered working?","start":1986.4149,"end":1987.875,"sentiment":"neutral","sentiment_score":-0.025518258335068822},{"text":"What 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that?","start":1995.6599,"end":2005.0399,"sentiment":"neutral","sentiment_score":-0.013202791347315437},{"text":"Okay.","start":2028.33,"end":2028.83,"sentiment":"neutral","sentiment_score":0.06605953723192215}],"sentiment":"neutral","sentiment_score":-0.0292905165773371,"num_words":23,"start":1995.1,"end":2028.83},{"sentences":[{"text":"Yeah.","start":2035.9451,"end":2036.105,"sentiment":"negative","sentiment_score":-0.5988696813583374},{"text":"Just bullshit them.","start":2036.105,"end":2037.165,"sentiment":"negative","sentiment_score":-0.7957963943481445},{"text":"Yeah.","start":2038.265,"end":2038.545,"sentiment":"neutral","sentiment_score":-0.021553171798586845},{"text":"It well, it's it's I I looked at because I've been looking at stuff all around all around the world, like, you know, all sorts of stuff.","start":2038.545,"end":2045.805,"sentiment":"neutral","sentiment_score":0.05549964536395338},{"text":"Surf surf, you know, surf charters and bars in Thailand and that because I went to Thailand to get some dental work done.","start":2047.2,"end":2057.38,"sentiment":"neutral","sentiment_score":0.10566155644862549}],"sentiment":"neutral","sentiment_score":0.0167435306717049,"num_words":55,"start":2035.9451,"end":2057.38},{"sentences":[{"text":"I was up in Japan snowboarding, so I went over there on the way back to and and the one of one of the bars I was drinking drinking because I I went I was trying to stay away from I stayed away from the girly bars because I didn't wanna get rest all the time.","start":2058.56,"end":2076.6702,"sentiment":"neutral","sentiment_score":-0.1145817878256951},{"text":"And it was it was like an English bus.","start":2076.6702,"end":2079.25,"sentiment":"neutral","sentiment_score":-0.03636501915752888},{"text":"And I and I found out there's an English I think it's English or Italian, so who owned it.","start":2079.3901,"end":2083.79,"sentiment":"neutral","sentiment_score":0.0023519390206753372},{"text":"And I thought, I didn't I didn't think you could own businesses in time.","start":2083.79,"end":2087.87,"sentiment":"neutral","sentiment_score":-0.08210678797747407},{"text":"Apparently, you can own certain types of one.","start":2087.87,"end":2090.235,"sentiment":"neutral","sentiment_score":-0.013264270615763962}],"sentiment":"neutral","sentiment_score":-0.07504516647051512,"num_words":106,"start":2058.56,"end":2090.235},{"sentences":[{"text":"You gotta get approval and all this stuff.","start":2092.155,"end":2094.0151,"sentiment":"neutral","sentiment_score":-0.0657557868398726},{"text":"But when I looked into it, apparently, you gotta bribe the police and the mafia.","start":2094.5552,"end":2100.3352,"sentiment":"negative","sentiment_score":-0.4182387133439382},{"text":"So I'm thinking that's bitch shit.","start":2100.7952,"end":2101.995,"sentiment":"negative","sentiment_score":-0.47171902904907864},{"text":"I'll probably be in trouble from both of them.","start":2101.995,"end":2105.05,"sentiment":"negative","sentiment_score":-0.6059275103939904},{"text":"Yeah.","start":2105.05,"end":2105.3699,"sentiment":"neutral","sentiment_score":-0.2787328064441681}],"sentiment":"negative","sentiment_score":-0.39389798895288736,"num_words":39,"start":2092.155,"end":2105.3699},{"sentences":[{"text":"Apparently, you gotta pay off both of them.","start":2105.3699,"end":2107.23,"sentiment":"negative","sentiment_score":-0.4050748869776726},{"text":"It's tough.","start":2111.6099,"end":2111.93,"sentiment":"neutral","sentiment_score":-0.2861781269311905},{"text":"Well, well, I don't know if you've ever been to Hong Kong, but Hong Kong Hong Kong is really safe because they've they've got the the mafia there.","start":2111.93,"end":2121.845,"sentiment":"neutral","sentiment_score":-0.06860079262073018},{"text":"Everyone's gotta play the mafia.","start":2121.905,"end":2123.5251,"sentiment":"negative","sentiment_score":-0.3407130241394043},{"text":"And so you hardly ever see the police if the police have to get involved.","start":2124.225,"end":2128.225,"sentiment":"negative","sentiment_score":-0.410803984105587}],"sentiment":"neutral","sentiment_score":-0.23447245560939714,"num_words":58,"start":2105.3699,"end":2128.225},{"sentences":[{"text":"That's really going down.","start":2128.225,"end":2129.685,"sentiment":"negative","sentiment_score":-0.531533494591713},{"text":"The only thing I've seen the police twice there.","start":2129.985,"end":2132.0,"sentiment":"neutral","sentiment_score":-0.12661458717452156},{"text":"I think it's twice, and I've been there about 15 times or so.","start":2132.0,"end":2135.3,"sentiment":"neutral","sentiment_score":-0.10858102773244564},{"text":"Yeah.","start":2138.72,"end":2138.96,"sentiment":"neutral","sentiment_score":0.19243928790092468},{"text":"The Hong Kong mafia, they they keep everything 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here.","start":2162.04,"end":2163.58,"sentiment":"neutral","sentiment_score":0.018109745578840375},{"text":"Yeah.","start":2168.68,"end":2169.0,"sentiment":"neutral","sentiment_score":0.12222693115472794}],"sentiment":"neutral","sentiment_score":-0.025513788886989155,"num_words":15,"start":2158.28,"end":2169.0},{"sentences":[{"text":"Yeah.","start":2169.0,"end":2169.4001,"sentiment":"neutral","sentiment_score":0.10619354248046876},{"text":"The place is nuts.","start":2169.4001,"end":2170.52,"sentiment":"neutral","sentiment_score":0.06363781169056892},{"text":"It's fully it's it's it's built on, like, a really steep hill.","start":2170.52,"end":2176.385,"sentiment":"neutral","sentiment_score":0.032802606699988246},{"text":"And, like, like, going anywhere is just a mission.","start":2177.4849,"end":2180.205,"sentiment":"neutral","sentiment_score":0.11965298735433155},{"text":"Like, if you have to walk, it you're walking down really steep hills and not really.","start":2180.205,"end":2184.305,"sentiment":"neutral","sentiment_score":0.00044901634100824594}],"sentiment":"neutral","sentiment_score":0.04377231469732665,"num_words":42,"start":2169.0,"end":2184.305},{"sentences":[{"text":"And that's just just the fact that the pond's built that.","start":2184.8901,"end":2187.79,"sentiment":"neutral","sentiment_score":0.005653528665954416},{"text":"So that doesn't mean to.","start":2188.8901,"end":2189.9302,"sentiment":"neutral","sentiment_score":-0.04575141742825508},{"text":"It would've been flat down the bottom at the start, but it's yeah.","start":2189.9302,"end":2192.99,"sentiment":"neutral","sentiment_score":-0.043664748852069564},{"text":"It's pretty crazy.","start":2193.21,"end":2194.01,"sentiment":"neutral","sentiment_score":-0.20745980242888132},{"text":"I wouldn't wanna be there in an earthquake.","start":2194.01,"end":2195.61,"sentiment":"neutral","sentiment_score":-0.3149583674967289}],"sentiment":"neutral","sentiment_score":-0.09690640885382891,"num_words":40,"start":2184.8901,"end":2195.61},{"sentences":[{"text":"Put it that way.","start":2195.61,"end":2196.49,"sentiment":"neutral","sentiment_score":-0.1686999909579754},{"text":"Pretty scary.","start":2196.49,"end":2197.23,"sentiment":"negative","sentiment_score":-0.35124483704566956},{"text":"Yeah.","start":2236.125,"end":2236.44,"sentiment":"neutral","sentiment_score":0.204664409160614},{"text":"Yeah.","start":2262.695,"end":2263.095,"sentiment":"neutral","sentiment_score":0.12491273134946825},{"text":"Sure.","start":2263.095,"end":2263.595,"sentiment":"neutral","sentiment_score":0.17647412419319153}],"sentiment":"neutral","sentiment_score":-0.09680426369110744,"num_words":9,"start":2195.61,"end":2263.595},{"sentences":[{"text":"Thanks.","start":2264.13,"end":2264.63,"sentiment":"positive","sentiment_score":0.57288658618927},{"text":"Bye.","start":2274.0498,"end":2274.5498,"sentiment":"neutral","sentiment_score":0.16986171901226044},{"text":"Yeah.","start":2349.81,"end":2350.31,"sentiment":"neutral","sentiment_score":0.06556353718042374},{"text":"Well, no.","start":2363.715,"end":2364.355,"sentiment":"neutral","sentiment_score":-0.2016052082180977},{"text":"Well, 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doing.","start":2405.55,"end":2406.8499,"sentiment":"negative","sentiment_score":-0.39677820603052777},{"text":"Mhmm.","start":2420.38,"end":2420.88,"sentiment":"neutral","sentiment_score":0.046209581196308136},{"text":"Yes.","start":2435.34,"end":2435.625,"sentiment":"neutral","sentiment_score":0.2169474959373474}],"sentiment":"neutral","sentiment_score":0.02371155735834137,"num_words":23,"start":2383.415,"end":2435.625},{"sentences":[{"text":"No.","start":2454.1199,"end":2454.5999,"sentiment":"neutral","sentiment_score":-0.22746025025844577},{"text":"No.","start":2454.5999,"end":2455.0999,"sentiment":"neutral","sentiment_score":-0.28878000378608704},{"text":"I know.","start":2483.685,"end":2488.905,"sentiment":"neutral","sentiment_score":-0.06080622971057892},{"text":"Probably a bit of both.","start":2491.845,"end":2493.0452,"sentiment":"neutral","sentiment_score":-0.02859012074768543},{"text":"It'd probably a bit you know, good time to invest in it, but I don't 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it's it's pretty pretty depressing.","start":2552.5051,"end":2554.7651,"sentiment":"negative","sentiment_score":-0.4405234679579735},{"text":"Because they're supposed to be you know, these companies are supposed to be paying dividends, so that's supposed to be going in 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mom got my mom got CBA shares when they were I think she when they were released, I think, 20¢ or 10¢ or something.","start":2792.61,"end":2799.24,"sentiment":"neutral","sentiment_score":-0.06891647685805093},{"text":"I can't remember.","start":2799.24,"end":2800.23,"sentiment":"neutral","sentiment_score":-0.0988985871275266},{"text":"Yeah.","start":2803.9849,"end":2804.305,"sentiment":"neutral","sentiment_score":-0.038806572556495667}],"sentiment":"neutral","sentiment_score":-0.06935135114552646,"num_words":31,"start":2790.1301,"end":2804.305},{"sentences":[{"text":"And then when they went down one stage, they went down to, like, $20.","start":2804.305,"end":2807.825,"sentiment":"neutral","sentiment_score":-0.07673810768340315},{"text":"It was no.","start":2807.825,"end":2808.885,"sentiment":"neutral","sentiment_score":-0.15334751705328623},{"text":"No.","start":2809.345,"end":2809.585,"sentiment":"neutral","sentiment_score":-0.17476686835289},{"text":"Not 20¢.","start":2809.585,"end":2810.305,"sentiment":"neutral","sentiment_score":-0.17849722504615784},{"text":"It would've been 15 or $20 per share.","start":2810.305,"end":2813.62,"sentiment":"neutral","sentiment_score":-0.09123638179153204}],"sentiment":"neutral","sentiment_score":-0.09694560023921507,"num_words":28,"start":2804.305,"end":2813.62},{"sentences":[{"text":"I can't remember what the initial was.","start":2813.84,"end":2815.28,"sentiment":"neutral","sentiment_score":-0.08022237143346242},{"text":"You you could probably find out.","start":2815.28,"end":2816.6401,"sentiment":"neutral","sentiment_score":-0.05339525267481804},{"text":"But then it went down to, like, $28 from 70, and she bought a hat stack then as well.","start":2816.6401,"end":2823.54,"sentiment":"neutral","sentiment_score":-0.002609672907151674},{"text":"And and now what I can't remember.","start":2824.08,"end":2826.08,"sentiment":"neutral","sentiment_score":-0.05628688899534089},{"text":"Last time I saw it 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down.","start":2876.92,"end":2883.495,"sentiment":"neutral","sentiment_score":0.02243477868085558},{"text":"Yeah.","start":2886.435,"end":2886.675,"sentiment":"neutral","sentiment_score":0.054464854300022125}],"sentiment":"neutral","sentiment_score":0.004218740900978446,"num_words":40,"start":2860.5051,"end":2886.675},{"sentences":[{"text":"So if he actually works on his exercise, he he actually gets better, but he's a bit lazy.","start":2886.675,"end":2895.56,"sentiment":"neutral","sentiment_score":0.019250376770893734},{"text":"And but yeah.","start":2896.7,"end":2898.06,"sentiment":"neutral","sentiment_score":0.050937814017136894},{"text":"I mean, they're up in Brisbane.","start":2898.06,"end":2901.58,"sentiment":"neutral","sentiment_score":0.06589343212544918},{"text":"Andrews, my brother's in Hong Kong and all his daughter.","start":2901.58,"end":2904.16,"sentiment":"neutral","sentiment_score":0.11882385835051537},{"text":"It's well, there's a it's probably it's probably the friendliest place I've ever lived in.","start":2910.705,"end":2917.92,"sentiment":"positive","sentiment_score":0.5407194892565409}],"sentiment":"neutral","sentiment_score":0.19603291805833578,"num_words":52,"start":2886.675,"end":2917.92},{"sentences":[{"text":"It's it's it's very working class, but my my local my local pub in Brisbane, I wasn't worried about anyone in that bar, but this the local down here, there's about $15 I wouldn't wouldn't upset.","start":2918.7998,"end":2930.8198,"sentiment":"neutral","sentiment_score":0.21181801706552505},{"text":"It's it's it's it's it's like I mean, it's pretty working class.","start":2933.085,"end":2937.185,"sentiment":"neutral","sentiment_score":0.17448528607686362},{"text":"Where were you living in Northern Rivers?","start":2938.365,"end":2941.425,"sentiment":"neutral","sentiment_score":0.013246397354773112},{"text":"Is it Kingsford or 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now.","start":2956.46,"end":2957.9202,"sentiment":"neutral","sentiment_score":-0.023821226010719936}],"sentiment":"neutral","sentiment_score":0.03739407691447174,"num_words":34,"start":2949.74,"end":2957.9202},{"sentences":[{"text":"I used to work with her at APSM.","start":2958.86,"end":2960.48,"sentiment":"neutral","sentiment_score":0.02578026708215475},{"text":"And after my window.","start":2963.525,"end":2964.665,"sentiment":"neutral","sentiment_score":0.06075607519596815},{"text":"Yeah.","start":2964.805,"end":2965.305,"sentiment":"neutral","sentiment_score":0.025065898895263672},{"text":"So that's that's just always get is that the one there, Byron, or is that the one up always get those two mixed up.","start":2966.085,"end":2973.145,"sentiment":"neutral","sentiment_score":-0.049621487113957606},{"text":"Yeah.","start":2975.4448,"end":2975.765,"sentiment":"neutral","sentiment_score":-0.011676672846078873}],"sentiment":"neutral","sentiment_score":-0.01916473755907071,"num_words":38,"start":2958.86,"end":2975.765},{"sentences":[{"text":"Yeah.","start":2975.765,"end":2976.265,"sentiment":"neutral","sentiment_score":-0.00866128969937563},{"text":"Yeah.","start":2982.81,"end":2983.29,"sentiment":"neutral","sentiment_score":-0.006100934464484453},{"text":"It's up near the border.","start":2983.29,"end":2984.4102,"sentiment":"neutral","sentiment_score":-0.005379818938672542},{"text":"It's on the river there, ain't it?","start":2984.4102,"end":2985.77,"sentiment":"neutral","sentiment_score":-0.026356075225131854},{"text":"Yeah.","start":2985.77,"end":2986.27,"sentiment":"neutral","sentiment_score":0.010023359209299088}],"sentiment":"neutral","sentiment_score":-0.014408699081589779,"num_words":15,"start":2975.765,"end":2986.27},{"sentences":[{"text":"Mom and baby.","start":2989.37,"end":2990.01,"sentiment":"neutral","sentiment_score":0.031081970160206158},{"text":"Yeah.","start":2990.01,"end":2990.25,"sentiment":"neutral","sentiment_score":0.022209499031305313},{"text":"I always get those.","start":2990.25,"end":2991.015,"sentiment":"neutral","sentiment_score":0.018775517586618662},{"text":"Yeah.","start":2991.8948,"end":2991.9749,"sentiment":"neutral","sentiment_score":-0.0031637148931622505},{"text":"I always get those two mixed up.","start":2991.9749,"end":2993.755,"sentiment":"neutral","sentiment_score":-0.048132464821849553}],"sentiment":"neutral","sentiment_score":-0.009345843049231917,"num_words":16,"start":2989.37,"end":2993.755},{"sentences":[{"text":"Because I almost I almost surface.","start":2994.375,"end":2996.2148,"sentiment":"neutral","sentiment_score":-0.04054635763168335},{"text":"I'm only interested in surfing down the beaches.","start":2996.2148,"end":2998.555,"sentiment":"neutral","sentiment_score":0.02060117805376649},{"text":"Yeah.","start":3007.79,"end":3008.1902,"sentiment":"neutral","sentiment_score":0.15554320812225342},{"text":"I I haven't surfed in years, but I when I was on the milk run, I pretty much quit because I twisted my ankle one time surfing, and I just had to work on it.","start":3008.1902,"end":3018.255,"sentiment":"neutral","sentiment_score":-0.23128084252987588},{"text":"So if you hurt, you know, you basically try to drag yourself around.","start":3019.775,"end":3023.2148,"sentiment":"negative","sentiment_score":-0.5717600171382611}],"sentiment":"neutral","sentiment_score":-0.24524817816794864,"num_words":63,"start":2994.375,"end":3023.2148},{"sentences":[{"text":"Just put up with it, you know, because you got no backup.","start":3023.2148,"end":3025.9548,"sentiment":"negative","sentiment_score":-0.49335719645023346},{"text":"And the the cafes and the supermarkets and that, they can't go without their milk.","start":3027.9348,"end":3032.09,"sentiment":"negative","sentiment_score":-0.4053263485431671},{"text":"If they got no milk, then they're, you know, really not happy.","start":3032.09,"end":3035.31,"sentiment":"negative","sentiment_score":-0.5339081957936287},{"text":"Uh-oh.","start":3046.5251,"end":3047.0251,"sentiment":"neutral","sentiment_score":-0.03597310930490494},{"text":"I'm subcontracting with a guy who's got a contract through Australia Post.","start":3047.885,"end":3051.985,"sentiment":"neutral","sentiment_score":-0.008448062930256128}],"sentiment":"negative","sentiment_score":-0.35662364999118906,"num_words":52,"start":3023.2148,"end":3051.985},{"sentences":[{"text":"But it's the guy one of the guys I'm working with, he reckons he's getting paid less now than when he was seven years ago.","start":3052.845,"end":3059.16,"sentiment":"neutral","sentiment_score":-0.16008136078715324},{"text":"But he reckons they'll getting a he said they'll getting better rate then than they are now, and fuels, like, you know, three times the price.","start":3059.62,"end":3067.72,"sentiment":"neutral","sentiment_score":0.0028588535765615795},{"text":"And and we paid for our bill.","start":3068.5,"end":3070.2,"sentiment":"neutral","sentiment_score":0.023597948785339082},{"text":"But, yeah, it's it's oh, I'm only making about a thousand dollars a week, and then that's before tax and it's just it's just not I feel like saying I'm going, this is not I'm not saying that, but I don't want him to get someone to replace me and then but so I'm not saying anything.","start":3071.54,"end":3092.6301,"sentiment":"neutral","sentiment_score":-0.17486318225335135},{"text":"But as soon as I find a business, I'm gonna get the hell out of there.","start":3092.6301,"end":3095.59,"sentiment":"negative","sentiment_score":-0.3739788085222244}],"sentiment":"neutral","sentiment_score":-0.15048382068692728,"num_words":131,"start":3052.845,"end":3095.59},{"sentences":[{"text":"I wanna get out before Christmas because it apparently, they're super busy in Christmas, and I don't want to be dealing with that.","start":3095.59,"end":3101.655,"sentiment":"neutral","sentiment_score":-0.3012285951686942},{"text":"Oh, they reckon it's not.","start":3106.6748,"end":3108.355,"sentiment":"neutral","sentiment_score":-0.054102320596575736},{"text":"So they reckon they almost go seven days a week.","start":3108.355,"end":3110.515,"sentiment":"neutral","sentiment_score":-0.05218476913869381},{"text":"But yeah.","start":3110.515,"end":3113.2349,"sentiment":"neutral","sentiment_score":0.034637514501810074},{"text":"And Belenar is great.","start":3113.2349,"end":3114.9348,"sentiment":"positive","sentiment_score":0.5585471466183662}],"sentiment":"neutral","sentiment_score":-0.12311712199483406,"num_words":44,"start":3095.59,"end":3114.9348},{"sentences":[{"text":"Especially the summer holidays, the school holidays, the traffic in Ballina just goes nuts.","start":3116.0498,"end":3120.5498,"sentiment":"neutral","sentiment_score":0.05199505229081426},{"text":"All the country folk come into town.","start":3120.77,"end":3122.77,"sentiment":"neutral","sentiment_score":0.18984623466219222},{"text":"They drive with bonkers.","start":3122.77,"end":3125.5698,"sentiment":"neutral","sentiment_score":0.10474293865263462},{"text":"They do, like, half the speed in it everywhere, and they can't use your handbags.","start":3125.5698,"end":3128.71,"sentiment":"neutral","sentiment_score":0.06491960398852825},{"text":"And you and you can tell you can tell their country because they've got a, you know, a uke with a 44 in the back and a.","start":3131.335,"end":3137.515,"sentiment":"neutral","sentiment_score":0.05333571011821429}],"sentiment":"neutral","sentiment_score":0.07298036361697005,"num_words":67,"start":3116.0498,"end":3137.515},{"sentences":[{"text":"You're from the country.","start":3138.055,"end":3139.115,"sentiment":"neutral","sentiment_score":0.06074302364140749},{"text":"Oh, it's just yeah.","start":3156.78,"end":3157.82,"sentiment":"neutral","sentiment_score":-0.2373097650706768},{"text":"It's nuts.","start":3157.82,"end":3158.355,"sentiment":"negative","sentiment_score":-0.3788701742887497},{"text":"I don't even know where people go.","start":3158.435,"end":3159.795,"sentiment":"neutral","sentiment_score":-0.14591705160481588},{"text":"Right?","start":3159.795,"end":3160.115,"sentiment":"neutral","sentiment_score":-0.05170854181051254}],"sentiment":"neutral","sentiment_score":-0.14095195651882225,"num_words":18,"start":3138.055,"end":3160.115},{"sentences":[{"text":"I I think I went to one no.","start":3160.115,"end":3162.055,"sentiment":"neutral","sentiment_score":-0.10404414497315884},{"text":"I I only went to two festivals growing up, and I hated them.","start":3163.475,"end":3167.635,"sentiment":"neutral","sentiment_score":-0.14475360054236192},{"text":"I only hated them, but, like, I went to the big day out once on the Gold Coast, and then I went to another one Perth.","start":3167.635,"end":3173.3198,"sentiment":"neutral","sentiment_score":-0.0645769456258187},{"text":"I can't remember where that was.","start":3173.3198,"end":3174.7,"sentiment":"neutral","sentiment_score":-0.09035653869311015},{"text":"But I just don't I don't I'd rather just go see one one like, I went to the food parties at the Suncorp, but it's the last one I went to.","start":3175.3198,"end":3186.7,"sentiment":"neutral","sentiment_score":-0.0815980619480533}],"sentiment":"neutral","sentiment_score":-0.08886702030542351,"num_words":84,"start":3160.115,"end":3186.7},{"sentences":[{"text":"That was awesome.","start":3187.0,"end":3187.8198,"sentiment":"neutral","sentiment_score":0.1828147148092588},{"text":"But I just found the crowd and all the dirt and the you know, it's all dusty and anyhow.","start":3188.685,"end":3196.625,"sentiment":"neutral","sentiment_score":-0.2334032991999074},{"text":"Haven't really thought.","start":3214.75,"end":3216.0298,"sentiment":"neutral","sentiment_score":-0.07522951687375705},{"text":"I thought Probably but today was, like, five and a half hours.","start":3216.0298,"end":3221.835,"sentiment":"neutral","sentiment_score":-0.02420468566318353},{"text":"So I think on the quiet days, it's probably you're probably doing about five and a half, six hours, and on the busy days, you're doing about eight.","start":3223.095,"end":3232.56,"sentiment":"neutral","sentiment_score":0.011881517196473266}],"sentiment":"neutral","sentiment_score":-0.06261047442228748,"num_words":65,"start":3187.0,"end":3232.56},{"sentences":[{"text":"So you might have two busy days and three quiet days to work at eighteen.","start":3233.52,"end":3237.62,"sentiment":"neutral","sentiment_score":0.015122480007509391},{"text":"Doing about thirty four hours a week.","start":3239.12,"end":3241.3,"sentiment":"neutral","sentiment_score":0.0650818305356162},{"text":"You as you get better at it, you get quicker at it.","start":3242.96,"end":3245.84,"sentiment":"neutral","sentiment_score":0.16633230882386366},{"text":"So it's the same with the milk.","start":3245.84,"end":3247.365,"sentiment":"neutral","sentiment_score":0.01626606990716287},{"text":"We're not supposed to start the milk.","start":3247.365,"end":3248.645,"sentiment":"neutral","sentiment_score":-0.05403282653008189}],"sentiment":"neutral","sentiment_score":0.05029230048724761,"num_words":48,"start":3233.52,"end":3248.645},{"sentences":[{"text":"It's taking me ten hours a day, but I've got that down till about seven.","start":3248.645,"end":3253.065,"sentiment":"neutral","sentiment_score":-0.016513383947312832},{"text":"But because you get to know your route and all that.","start":3255.445,"end":3257.945,"sentiment":"neutral","sentiment_score":0.05713716081597588},{"text":"That balance is crazy.","start":3258.085,"end":3259.285,"sentiment":"neutral","sentiment_score":-0.31594713404774666},{"text":"The the council if I ever meet someone from the council, I'm gonna slap and play because oh, actually, what probably the it's what they've done in the past with the developers.","start":3259.285,"end":3272.6099,"sentiment":"neutral","sentiment_score":-0.180572722107172},{"text":"They they'll have a the address will be on one street, but the units will be accessed from another street.","start":3272.67,"end":3279.995,"sentiment":"neutral","sentiment_score":-0.09424856640398502}],"sentiment":"neutral","sentiment_score":-0.10422291416992865,"num_words":82,"start":3248.645,"end":3279.995},{"sentences":[{"text":"And no one tells you.","start":3280.935,"end":3282.455,"sentiment":"neutral","sentiment_score":-0.14655317962169648},{"text":"Like, no one puts it on their letter that, you know, access from this street.","start":3282.455,"end":3286.615,"sentiment":"neutral","sentiment_score":-0.14233698298533756},{"text":"You know?","start":3286.615,"end":3287.175,"sentiment":"neutral","sentiment_score":-0.10305492579936981},{"text":"So you you constantly go to the wrong address, and it's so annoying.","start":3287.175,"end":3291.3398,"sentiment":"neutral","sentiment_score":-0.3113788194381274},{"text":"And then the amount of houses that have numbers on, not there's no not well, you go down a section of street, there'll be four houses, no numbers on them.","start":3291.3398,"end":3300.22,"sentiment":"neutral","sentiment_score":-0.24807320783535639}],"sentiment":"neutral","sentiment_score":-0.22406232895759437,"num_words":65,"start":3280.935,"end":3300.22},{"sentences":[{"text":"And you're like and the the the GPS on the Australia Post the the app that they use, the GPS on it is always about thirty seconds.","start":3300.22,"end":3313.485,"sentiment":"neutral","sentiment_score":-0.1022568426474377},{"text":"Yeah.","start":3316.825,"end":3317.325,"sentiment":"neutral","sentiment_score":0.017680250108242035},{"text":"Sorry.","start":3317.465,"end":3317.965,"sentiment":"neutral","sentiment_score":0.00631134957075119},{"text":"Oh my god.","start":3318.75,"end":3319.49,"sentiment":"neutral","sentiment_score":0.048793250073989235},{"text":"Well, I was actually looking at one of the ones I looked at blind that I'm interested in is is in Australia Post app.","start":3324.67,"end":3331.365,"sentiment":"neutral","sentiment_score":0.17914669464031854}],"sentiment":"neutral","sentiment_score":0.030517094103353366,"num_words":56,"start":3300.22,"end":3331.365},{"sentences":[{"text":"But because because you just get all these commissions, and and that's just the deal with all their stuff.","start":3332.2449,"end":3340.505,"sentiment":"neutral","sentiment_score":0.09546352177858353},{"text":"But you wanna see the hoops you gotta catch up through.","start":3341.525,"end":3345.205,"sentiment":"neutral","sentiment_score":0.0016456818716092544},{"text":"You know?","start":3345.205,"end":3345.445,"sentiment":"neutral","sentiment_score":0.002050347626209259},{"text":"You gotta do all this stuff for them.","start":3345.445,"end":3348.08,"sentiment":"neutral","sentiment_score":-0.1737067513167858},{"text":"I reckon it'd be it'd be a six month old deal just doing all that stuff for yeah.","start":3349.82,"end":3354.9402,"sentiment":"neutral","sentiment_score":-0.09061181027856138}],"sentiment":"neutral","sentiment_score":-0.020425111826123863,"num_words":58,"start":3332.2449,"end":3354.9402},{"sentences":[{"text":"So yeah.","start":3354.9402,"end":3356.9602,"sentiment":"neutral","sentiment_score":-0.01020104717463255},{"text":"I gotta I gotta I gotta call my mom and do we need to do anything more there?","start":3359.26,"end":3365.235,"sentiment":"neutral","sentiment_score":-0.0427676857345634},{"text":"Yeah.","start":3380.75,"end":3381.07,"sentiment":"neutral","sentiment_score":-0.1639590859413147},{"text":"I've got no one to give it to.","start":3381.07,"end":3382.6099,"sentiment":"neutral","sentiment_score":-0.3121595587581396},{"text":"I I I had I had a partner and she's moved me over.","start":3383.79,"end":3398.7449,"sentiment":"neutral","sentiment_score":-0.07545917165967134}],"sentiment":"neutral","sentiment_score":-0.10553393393222775,"num_words":42,"start":3354.9402,"end":3398.7449},{"sentences":[{"text":"The last time I looked, they reckon it was around $4.95, but it's probably dropped since then.","start":3400.99,"end":3406.1902,"sentiment":"neutral","sentiment_score":-0.06959611747194738},{"text":"It's probably about $4.80.","start":3406.1902,"end":3407.57,"sentiment":"neutral","sentiment_score":-0.07113442942500114},{"text":"Yep.","start":3417.965,"end":3418.465,"sentiment":"neutral","sentiment_score":0.02871640771627426},{"text":"Yep.","start":3419.645,"end":3420.145,"sentiment":"neutral","sentiment_score":0.02324594184756279},{"text":"Yeah.","start":3420.445,"end":3420.765,"sentiment":"neutral","sentiment_score":0.037658222019672394}],"sentiment":"neutral","sentiment_score":-0.0574187976308167,"num_words":24,"start":3400.99,"end":3420.765},{"sentences":[{"text":"I'll have the drive.","start":3420.765,"end":3421.4849,"sentiment":"neutral","sentiment_score":0.050549598410725594},{"text":"That's on the investment.","start":3421.4849,"end":3422.465,"sentiment":"neutral","sentiment_score":0.06223096325993538},{"text":"I'll be I'll be 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anymore.","start":3452.125,"end":3453.745,"sentiment":"neutral","sentiment_score":-0.09415378235280514}],"sentiment":"neutral","sentiment_score":-0.03146826492156833,"num_words":20,"start":3431.74,"end":3453.745},{"sentences":[{"text":"That that won't need the business.","start":3453.8052,"end":3455.07,"sentiment":"neutral","sentiment_score":-0.11186913897593816},{"text":"No.","start":3464.11,"end":3464.35,"sentiment":"neutral","sentiment_score":-0.2721257507801056},{"text":"I don't think so.","start":3464.35,"end":3465.49,"sentiment":"neutral","sentiment_score":-0.2621043287217617},{"text":"Probably to my mom.","start":3493.71,"end":3495.01,"sentiment":"neutral","sentiment_score":-0.14467499777674675},{"text":"Oh, I I do.","start":3509.065,"end":3510.935,"sentiment":"neutral","sentiment_score":-0.03227541595697403}],"sentiment":"neutral","sentiment_score":-0.1420820818135613,"num_words":19,"start":3453.8052,"end":3510.935},{"sentences":[{"text":"I can't even remember who.","start":3512.19,"end":3513.65,"sentiment":"neutral","sentiment_score":-0.08119173496961593},{"text":"I think my brother's on that.","start":3515.55,"end":3517.33,"sentiment":"neutral","sentiment_score":-0.05365406908094883},{"text":"I think it changed a bit, but because I had a thought with my sister-in-law, so I don't wonder who did.","start":3519.71,"end":3526.3699,"sentiment":"neutral","sentiment_score":-0.061850610233488534},{"text":"Yeah.","start":3550.1501,"end":3550.6501,"sentiment":"neutral","sentiment_score":0.01854865252971649},{"text":"My brother is in the works.","start":3550.9502,"end":3553.37,"sentiment":"neutral","sentiment_score":-0.007049930281937122}],"sentiment":"neutral","sentiment_score":-0.05257684188202406,"num_words":39,"start":3512.19,"end":3553.37},{"sentences":[{"text":"Probably just carry him in.","start":3554.435,"end":3555.815,"sentiment":"neutral","sentiment_score":-0.011407353729009629},{"text":"Hello?","start":3557.155,"end":3557.655,"sentiment":"neutral","sentiment_score":0.039167869836091995},{"text":"Yes.","start":3587.345,"end":3587.665,"sentiment":"neutral","sentiment_score":0.06816413253545761},{"text":"It'll be fine.","start":3587.665,"end":3588.4648,"sentiment":"neutral","sentiment_score":0.15741013983885446},{"text":"Yeah.","start":3588.4648,"end":3588.9648,"sentiment":"neutral","sentiment_score":0.09627176821231842}],"sentiment":"neutral","sentiment_score":0.05625431104139848,"num_words":11,"start":3554.435,"end":3588.9648},{"sentences":[{"text":"Yeah.","start":3589.185,"end":3589.685,"sentiment":"neutral","sentiment_score":0.11505146324634552},{"text":"Okay.","start":3599.9202,"end":3600.4001,"sentiment":"neutral","sentiment_score":0.11937879770994186},{"text":"Yep.","start":3600.4001,"end":3600.9001,"sentiment":"neutral","sentiment_score":0.1388200670480728},{"text":"Okay.","start":3646.3801,"end":3646.8801,"sentiment":"neutral","sentiment_score":0.020488610491156575},{"text":"Oh, bonding and un lapsing.","start":3647.58,"end":3649.76,"sentiment":"neutral","sentiment_score":0.001595640461891891}],"sentiment":"neutral","sentiment_score":0.04463523786721958,"num_words":9,"start":3589.185,"end":3649.76},{"sentences":[{"text":"Yeah.","start":3651.82,"end":3652.32,"sentiment":"neutral","sentiment_score":0.15308557450771332},{"text":"Yes.","start":3662.765,"end":3663.265,"sentiment":"neutral","sentiment_score":0.1626979112625122},{"text":"Yes.","start":3663.4048,"end":3663.9048,"sentiment":"neutral","sentiment_score":0.10727984458208084},{"text":"Probably did you just sign it electronically?","start":3671.74,"end":3674.6401,"sentiment":"neutral","sentiment_score":0.030365485697984695},{"text":"Oh, okay.","start":3678.78,"end":3679.26,"sentiment":"neutral","sentiment_score":0.04781513661146164}],"sentiment":"neutral","sentiment_score":0.06093766695509354,"num_words":12,"start":3651.82,"end":3679.26},{"sentences":[{"text":"You can just email.","start":3679.26,"end":3680.22,"sentiment":"neutral","sentiment_score":0.04020769614726305},{"text":"I can print it.","start":3680.22,"end":3680.94,"sentiment":"neutral","sentiment_score":0.04776422120630741},{"text":"Yeah.","start":3680.94,"end":3681.18,"sentiment":"neutral","sentiment_score":0.08941932022571564},{"text":"That's fine.","start":3681.18,"end":3682.045,"sentiment":"neutral","sentiment_score":0.1257605366408825},{"text":"I'll forget I'll I'll forget about it in the mail.","start":3682.045,"end":3685.105,"sentiment":"neutral","sentiment_score":-0.00589290821517352}],"sentiment":"neutral","sentiment_score":0.030185665750953678,"num_words":21,"start":3679.26,"end":3685.105},{"sentences":[{"text":"Mhmm.","start":3708.0598,"end":3708.465,"sentiment":"neutral","sentiment_score":0.11316919326782228},{"text":"No.","start":3748.39,"end":3748.89,"sentiment":"neutral","sentiment_score":-0.1606186330318451},{"text":"Mhmm.","start":3793.4749,"end":3793.9749,"sentiment":"neutral","sentiment_score":0.048338159918785095},{"text":"Yep.","start":3803.97,"end":3804.47,"sentiment":"neutral","sentiment_score":0.27669796347618103},{"text":"No.","start":3860.925,"end":3861.165,"sentiment":"neutral","sentiment_score":-0.1180269494652748}],"sentiment":"neutral","sentiment_score":0.0319119468331337,"num_words":5,"start":3708.0598,"end":3861.165},{"sentences":[{"text":"No.","start":3861.165,"end":3861.325,"sentiment":"neutral","sentiment_score":-0.17803475260734558},{"text":"I don't think so.","start":3861.325,"end":3865.425,"sentiment":"neutral","sentiment_score":-0.13656117394566536},{"text":"Okay.","start":3879.77,"end":3880.27,"sentiment":"neutral","sentiment_score":0.10585083812475204},{"text":"Thanks.","start":3882.41,"end":3882.91,"sentiment":"positive","sentiment_score":0.6851373910903931},{"text":"Oh, if you can put a note in there, just always call me sort of after three.","start":3885.6099,"end":3890.935,"sentiment":"neutral","sentiment_score":0.08655085589955835}],"sentiment":"neutral","sentiment_score":0.06408638879656792,"num_words":24,"start":3861.165,"end":3890.935},{"sentences":[{"text":"After three or four, somewhere in there.","start":3892.5151,"end":3894.2751,"sentiment":"neutral","sentiment_score":0.018205623009375164},{"text":"Just because so on the busy days, I don't finish till around 03:34, so I can't answer my phone.","start":3894.2751,"end":3902.615,"sentiment":"neutral","sentiment_score":-0.03690210215159153},{"text":"Yeah.","start":3908.19,"end":3908.43,"sentiment":"neutral","sentiment_score":0.040551211684942245},{"text":"And, hopefully, I'll answer for you.","start":3908.43,"end":3910.21,"sentiment":"neutral","sentiment_score":0.05896309701104959},{"text":"Yeah.","start":3915.39,"end":3915.71,"sentiment":"neutral","sentiment_score":0.039963625371456146}],"sentiment":"neutral","sentiment_score":-0.004100210608585793,"num_words":34,"start":3892.5151,"end":3915.71},{"sentences":[{"text":"Yeah.","start":3915.71,"end":3915.8699,"sentiment":"neutral","sentiment_score":-0.006793232634663582},{"text":"I don't want you ringing people having to ring people at 06:00 at night.","start":3915.8699,"end":3919.855,"sentiment":"neutral","sentiment_score":-0.062455883781824796},{"text":"So yeah.","start":3920.0352,"end":3924.615,"sentiment":"neutral","sentiment_score":0.04383083339780569},{"text":"Oh, okay.","start":3927.075,"end":3927.8152,"sentiment":"neutral","sentiment_score":0.08048709481954575},{"text":"Yep.","start":3934.92,"end":3935.42,"sentiment":"neutral","sentiment_score":0.09354491531848907}],"sentiment":"neutral","sentiment_score":-0.026949741691350938,"num_words":20,"start":3915.71,"end":3935.42},{"sentences":[{"text":"Yep.","start":3942.68,"end":3943.18,"sentiment":"neutral","sentiment_score":0.1636601686477661},{"text":"No worries.","start":3954.855,"end":3955.335,"sentiment":"neutral","sentiment_score":0.2912197783589363},{"text":"Thanks, Diana.","start":3955.335,"end":3956.1548,"sentiment":"positive","sentiment_score":0.5631482005119324},{"text":"Yep.","start":3960.79,"end":3961.29,"sentiment":"positive","sentiment_score":0.48837265372276306},{"text":"Thanks, Tom.","start":3963.27,"end":3963.83,"sentiment":"positive","sentiment_score":0.7368671298027039}],"sentiment":"positive","sentiment_score":0.4793128799647093,"num_words":8,"start":3942.68,"end":3963.83},{"sentences":[{"text":"Thank you.","start":3963.83,"end":3964.57,"sentiment":"positive","sentiment_score":0.740192323923111},{"text":"Bye.","start":3964.63,"end":3965.13,"sentiment":"positive","sentiment_score":0.4754680097103119}],"sentiment":"positive","sentiment_score":0.651950885852178,"num_words":3,"start":3963.83,"end":3965.13}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. It's Peter speaking.\n\nChannel 0: Hi, Peter. This is Dana from OQ Financial. How are you this afternoon?\n\nChannel 1: Oh, okay. Alright. Thanks.\n\nChannel 0: Oh, that's a good thing. Excellent. I had your full due to go through your annual review today. Is now still a good\n\nChannel 1: Sorry?\n\nChannel 0: time there for you?\n\nChannel 1: The review.\n\nChannel 0: Yeah. Had you booked in to go through your annual\n\nChannel 1: Yep.\n\nChannel 0: review. Is now\n\nChannel 1: Yep.\n\nChannel 0: still a good time there for you?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Peter, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Sure.\n\nChannel 0: Fantastic. And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Peter Ellen Grant. Twenty fourth of ninth seventy two. I'm not sure what address she got on file.\n\nChannel 0: Mhmm.\n\nChannel 1: You got 209 Fitzroy Street or\n\nChannel 0: No. I have a different address.\n\nChannel 1: 4284 River Street?\n\nChannel 0: Yeah. Ballina?\n\nChannel 1: Yeah. So it's been updated. Yeah. That's where I am at the moment. Yeah.\n\nChannel 0: That that's okay. So Ballina, The River\n\nChannel 1: Yeah. Balance.\n\nChannel 0: Street is your new\n\nChannel 1: Yep.\n\nChannel 0: address. Yep. Fantastic. Peter, when we go through your annual review, we normally do send through some documents via email for you to be able to review as well. Are you able to log in to your emails?\n\nIf you can't, that's honestly fine.\n\nChannel 1: Oh, yeah. You can do that.\n\nChannel 0: Yeah. Fantastic. I'm just gonna send these through to you. That should come through hopefully fairly quickly\n\nChannel 1: Yep.\n\nChannel 0: as if technology locks us today. There we go. It's told me it's sent successfully. Just let me know if they come through. If they don't come through to your inbox fairly shortly, just also double check your junk mail.\n\nSometimes we get directed through to your junk. That happens. Yeah. That's the one. Fantastic.\n\nExcellent. And are you working today, or did you get today off?\n\nChannel 1: No. I've finished already.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Well,\n\nChannel 0: Fantastic.\n\nChannel 1: You start early, but\n\nChannel 0: Yeah. So you basically because you're you're doing a milk run. Is that right? You're self\n\nChannel 1: oh,\n\nChannel 0: employed?\n\nChannel 1: I've I've sold the milk run. I'm looking to buy another business. I'm just\n\nChannel 0: Okay.\n\nChannel 1: I'm\n\nChannel 0: What\n\nChannel 1: just\n\nChannel 0: is\n\nChannel 1: doing parcel deliveries for Australia Post, but it's pretty shit.\n\nChannel 0: okay.\n\nChannel 1: Pretty dismal. You can't live\n\nChannel 0: Yeah.\n\nChannel 1: on it.\n\nChannel 0: No. Understandable. I had someone a friend a few years ago try to do something very similar to that, and he said it wasn't very viable as an income stream, especially when you're looking after a family, unfortunately.\n\nChannel 1: Yeah. You need to deliver about 500 parcels a day in a year to make it worse for any year.\n\nChannel 0: Yeah. That's\n\nChannel 1: So\n\nChannel 0: all good.\n\nChannel 1: what's what's to self manage your super fund, how much do you have to have in it? Is it 250,000?\n\nChannel 0: They generally say that you should have no less than sort of 250 to 300,000, but it also depends on what you're sort of wanting to do. So with the South Bend Superfund years ago, they most people didn't have them, so they could hold real property, like, purchase a and hold that within the fund there.\n\nChannel 1: Yep.\n\nChannel 0: Unfortunately, in recent weeks, as of the August 10 this year, there has been a caveat that we're no longer able to borrow inside like, borrow from a lender inside of South Superfund to hold residential property. You're only able to do so for commercial property. What's the main sort of reason around you wanting to look at this the SMSF side of things? What\n\nChannel 1: Oh,\n\nChannel 0: what's\n\nChannel 1: because\n\nChannel 0: your\n\nChannel 1: I just\n\nChannel 0: thinking?\n\nChannel 1: thought about instead of buying a business, I thought about just dumping it into my super and then seeing if I can buy put that against my mortgage and then get my mortgage redone so I'm not paying off as much.\n\nChannel 0: Yeah. That I guess that's a great great way of thinking. Unfortunately, because it's your own personal mortgage, it goes against the rules around the self managed super fund. So in in an SMSF, other rules around an investment needs to be it's at an arm's length transaction. So\n\nChannel 1: Yeah.\n\nChannel 0: it means\n\nChannel 1: So it's\n\nChannel 0: to be\n\nChannel 1: it's always\n\nChannel 0: it it needs\n\nChannel 1: cheaper. So you can you can have a $100,100 and $50 in the soup\n\nChannel 0: yeah.\n\nChannel 1: and and be homeless.\n\nChannel 0: Yep.\n\nChannel 1: This is why our country\n\nChannel 0: I\n\nChannel 1: sucks, mate. It's so stupid.\n\nChannel 0: Yeah.\n\nChannel 1: They've\n\nChannel 0: I\n\nChannel 1: they've\n\nChannel 0: know.\n\nChannel 1: they've\n\nChannel 0: I\n\nChannel 1: ruined soup. I I never made any\n\nChannel 0: Yeah.\n\nChannel 1: money off soup prices until I went over to you guys. I don't know what's\n\nChannel 0: Yeah.\n\nChannel 1: done this year, but\n\nChannel 0: Yeah. No. Completely understandable. It it does sort of defeat the purpose of sort of having it, and it it isn't a great rule. I get fully get that.\n\nThe main\n\nChannel 1: oh.\n\nChannel 0: sort of the caveat there is that super step for a sole purpose reason of providing for your retirement. So they have these rules\n\nChannel 1: But\n\nChannel 0: around\n\nChannel 1: that's\n\nChannel 0: that.\n\nChannel 1: what a\n\nChannel 0: But\n\nChannel 1: house that's what a house does as well.\n\nChannel 0: yeah. Yeah. The main the main sort of purpose is it's meant to be super is meant to be providing an income stream in retirement or to sort of help you alleviate utilizing the, the public system. Whereas having a mortgage technically puts a roof over your head, but it doesn't provide for income there.\n\nChannel 1: But\n\nChannel 0: So I\n\nChannel 1: but\n\nChannel 0: can understand\n\nChannel 1: but\n\nChannel 0: both\n\nChannel 1: if\n\nChannel 0: both\n\nChannel 1: you if you if\n\nChannel 0: sides.\n\nChannel 1: you if you own if you own a house and lived overseas,\n\nChannel 0: Mhmm.\n\nChannel 1: you\n\nChannel 0: Yeah.\n\nChannel 1: could easily live off the rent of the house in, like,\n\nChannel 0: Oh,\n\nChannel 1: The Philippines or\n\nChannel 0: absolutely.\n\nChannel 1: something. Yeah? That's what\n\nChannel 0: Yeah.\n\nChannel 1: I'd like\n\nChannel 0: Yeah.\n\nChannel 1: to do. I just because\n\nChannel 0: That's\n\nChannel 1: I'll I'll\n\nChannel 0: your\n\nChannel 1: never\n\nChannel 0: goal.\n\nChannel 1: retire in Australia. I won't\n\nChannel 0: Yeah.\n\nChannel 1: I'll I'll die before I get to 67 or whatever they make it for. It'll be 75 as of by the time I get there.\n\nChannel 0: Well, I\n\nChannel 1: And\n\nChannel 0: definitely would like to not see that happen.\n\nChannel 1: it's not no. It's not I'll I'll never be able to retire. You you can see how much I've got in there. There's nothing. I'll never be able to retire on that.\n\nChannel 0: That's, yeah,\n\nChannel 1: That's not\n\nChannel 0: that is\n\nChannel 1: even\n\nChannel 0: definitely\n\nChannel 1: that's not\n\nChannel 0: something\n\nChannel 1: even a year's wage.\n\nChannel 0: yeah. And, look, that is definitely something I wanted to talk to you about because, realistically, kind of given past data, at your agent stage, realistically, we should see about 250,000 sitting in through for that. So because your balance is what it is at the moment, I'm just having a quick look at the documents I have here. So balance as of today oh, sorry. I'm looking at the wrong document.\n\nDoesn't wanna work for me. That's okay. So sitting in super at the moment, your balance is a little over that 100 and where are we?\n\nChannel 1: A\n\nChannel 0: Up to 125,847 at the moment. So\n\nChannel 1: 100\n\nChannel 0: it is\n\nChannel 1: and a 125?\n\nChannel 0: yeah.\n\nChannel 1: Yeah. So it hasn't even got back to where it was on the first year. The first year, I think, was a 128. Then\n\nChannel 0: Yeah. I'm just having a\n\nChannel 1: this\n\nChannel 0: look at\n\nChannel 1: this\n\nChannel 0: the\n\nChannel 1: is\n\nChannel 0: advice\n\nChannel 1: Trump.\n\nChannel 0: document\n\nChannel 1: This is all these\n\nChannel 0: for\n\nChannel 1: boomers\n\nChannel 0: you.\n\nChannel 1: just ruining this world. Between Trump and Putin and wish I'd all hurry up and die.\n\nChannel 0: It's\n\nChannel 1: No.\n\nChannel 0: understandable.\n\nChannel 1: Seriously, they've they've ruined the the world. So between all the old farts, the bloody Albanese and Trump and Putin, they destroyed the place. Anyhow, so only a 125. See, that's not even I was earning more than that a year when I had my business. I was earning about 140 a year.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So it's not it's not even a year's wait. See you.\n\nChannel 0: Yeah.\n\nChannel 1: It's like\n\nChannel 0: No. Yeah.\n\nChannel 1: I\n\nChannel 0: And,\n\nChannel 1: might\n\nChannel 0: I\n\nChannel 1: as well\n\nChannel 0: mean, we\n\nChannel 1: just throw it all in a Bitcoin. Just go\n\nChannel 0: have\n\nChannel 1: all in on Bitcoin on it.\n\nChannel 0: yeah. I I honestly wouldn't probably do that just because it is very risky, and the the crypto world doesn't actually close. So you are taking a lot more risk to do that, and Bitcoin\n\nChannel 1: Yeah.\n\nChannel 0: itself is down pretty heavily at the moment. Like, it might be up for the week or the the month, but overall, it has been quite heavy dips in\n\nChannel 1: I'm\n\nChannel 0: the past\n\nChannel 1: I'm sure\n\nChannel 0: year.\n\nChannel 1: I'm sure\n\nChannel 0: So I'd\n\nChannel 1: I'm\n\nChannel 0: be\n\nChannel 1: sure\n\nChannel 0: more\n\nChannel 1: as\n\nChannel 0: concerned.\n\nChannel 1: soon as I invest in it soon as I invest in it, it'll you'll go to worth nothing.\n\nChannel 0: Yeah.\n\nChannel 1: Because I still don't even understand how it's worth anything. But, you know, it's like as soon as I bought a house, I've I've only been here three years and what housing prices are going down there. Yeah.\n\nChannel 0: They are\n\nChannel 1: And\n\nChannel 0: at the moment.\n\nChannel 1: and and and\n\nChannel 0: Yeah.\n\nChannel 1: interest rates have gone up 14 times since I bought a house. Soon as I buy\n\nChannel 0: Mhmm.\n\nChannel 1: a house, it just went up\n\nChannel 0: Yeah.\n\nChannel 1: every time. It went down it went down twice, but it's been 14 rises.\n\nChannel 0: Yeah.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: just just this whole system, how we we try to curb inflation by by destroying people's mortgages and increase rent and that, that doesn't affect my parents. My parents own all their houses. Yeah?\n\nChannel 0: Yeah.\n\nChannel 1: It doesn't affect\n\nChannel 0: Yeah.\n\nChannel 1: them at all. Yeah? All the all all the you go look at all the cafes. All the cafes are still full of boomers. All all parts of them.\n\nNo one else can afford to live. The the whole system the whole financial system is is stupid. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Who was it, buddy? What's his name? Chasing thought they did. That's\n\nChannel 0: Yeah.\n\nChannel 1: another stupid system. It doesn't work. It's\n\nChannel 0: Yeah.\n\nChannel 1: the\n\nChannel 0: Yeah.\n\nChannel 1: same. It's stupid.\n\nChannel 0: I'm\n\nChannel 1: They the Liberals ruined super. But then here.\n\nChannel 0: that's all good. No. I completely understand what you're saying. I think the main thing I would like to be able to help you do is try and build on your super as much as possible. Obviously, you wanted to sort of look at that SMS of self made super fund route.\n\nIt doesn't quite work for what you're after. And I know you are sort of in between jobs at the moment. I would definitely like to try to help you to boost super as much as possible. We have seen a lot of ups and downs in the market this year. So your super overall, since coming on board with us, since inception in 2020, you have made money.\n\nYou are definitely up a little over 7.34%. So you have definitely come on board and made money in that time frame. But in this year, we have seen a lot of ups and downs with the market as a whole.\n\nChannel 1: Yeah. For the\n\nChannel 0: So\n\nChannel 1: for the Trump?\n\nChannel 0: yeah.\n\nChannel 1: He's\n\nChannel 0: Correct.\n\nChannel 1: an idiot.\n\nChannel 0: Correct. Yeah.\n\nChannel 1: I mean,\n\nChannel 0: Correct.\n\nChannel 1: I would agree with some of the things he does, but I mean.\n\nChannel 0: Yeah. No. I completely understand. And, I mean, we've had a bit of a look now. I just wanted to find out as well.\n\nIn the last three months over the last twelve months, we have seen a lot of ups and downs that your portfolio was working quite nicely towards sort of the early the part of this year. Then around April, we did see a bit of a different account. It fell a little over 1% there. But in the last sort of three months, we've seen it come back and obtain about a 6% gain. So we have sort of seen a bit of a recovery point there.\n\nThe other thing that we did notice and we did do, we would've sent an email to you around about March this year. Do you remember seeing that email in your inbox at all? No. That's okay. Within your portfolio, we had we had an investment called Ben along Australian Equities.\n\nNow that is an actively managed managed fund. The idea of that investment is the managed the fund manager within Benelong is trying to outperform against the market and trying to actively manage their portfolio. They haven't been able to do so. So along with what's been happening globally, that was underperforming a little bit as well. So we also looked and removed that from your portfolio, and we actually replaced it with the beta shares Aussie 200.\n\nSo been along generally held about 15 to 25 different investments there. The a 200 is a much cheaper investment. It's also giving you greater diversification because it's tracking the top 200 companies on the ASX, and it's also cheaper because it's not an actively managed investment. It's more of a passively managed investment, so it tracks the market. And when we kind of look at history, while there are times where active managers can outperform against the market, people who trade tend to not perform over the longer term.\n\nSo being in more of a passive portfolio can definitely provide you with greater returns there. So it has been a very up and down year. Your portfolio hasn't obviously performed as well as we would have hoped, but it is important to sort of keep looking forward and moving and building on that and compounding. I wanted to sort of look at whether some new advice needed to be updated for you, but it looks like from what you've told me so far, you're in between jobs at the moment. So you're kinda doing this pass the delivery while you're looking for something new.\n\nWhat's the new business that you're looking to purchase? What's that\n\nChannel 1: I'm looking\n\nChannel 0: to\n\nChannel 1: at\n\nChannel 0: entail?\n\nChannel 1: all sorts of things, all sorts of stuff here.\n\nChannel 0: Yep. Yep. Do you know sort of when that when you're sort of hoping to have that done, or is, like, a a time\n\nChannel 1: I don't\n\nChannel 0: frame that\n\nChannel 1: I\n\nChannel 0: you're\n\nChannel 1: don't\n\nChannel 0: sort\n\nChannel 1: know.\n\nChannel 0: of hoping to\n\nChannel 1: Like, six months ago\n\nChannel 0: not sure?\n\nChannel 1: would have been I I didn't wanna sell my Milcro.\n\nChannel 0: Oh,\n\nChannel 1: I I was forced into it.\n\nChannel 0: I'm\n\nChannel 1: That's\n\nChannel 0: sorry.\n\nChannel 1: that's\n\nChannel 0: Yeah.\n\nChannel 1: that's Norco. They did it to a whole heap of people. I was I was lucky I got I got what I wanted for the business,\n\nChannel 0: Yep.\n\nChannel 1: but one of the other guys lost at at a $120.\n\nChannel 0: Wow.\n\nChannel 1: And he'd\n\nChannel 0: So\n\nChannel 1: only\n\nChannel 0: they\n\nChannel 1: just\n\nChannel 0: forced\n\nChannel 1: he'd\n\nChannel 0: a\n\nChannel 1: only\n\nChannel 0: few\n\nChannel 1: just bought it. He he bought it, like, four years ago like me. He'd only just\n\nChannel 0: people?\n\nChannel 1: bought it,\n\nChannel 0: Wow.\n\nChannel 1: and then they made him sell it. Yeah.\n\nChannel 0: Wow.\n\nChannel 1: They're mongrels, mate. Norco,\n\nChannel 0: Yeah.\n\nChannel 1: the the middle management and and all that, The CEO, that they're all scumbags.\n\nChannel 0: Yeah. I'm\n\nChannel 1: But really,\n\nChannel 0: sorry\n\nChannel 1: you\n\nChannel 0: to hear\n\nChannel 1: you're\n\nChannel 0: that.\n\nChannel 1: in you're in the Gold Coast, aren't you?\n\nChannel 0: Yeah. So we're\n\nChannel 1: Yeah.\n\nChannel 0: on the Gold Coast in Southport here.\n\nChannel 1: That's\n\nChannel 0: Yep.\n\nChannel 1: what it is.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: I think I've been there\n\nChannel 0: I\n\nChannel 1: once. How how old are you, Dana?\n\nChannel 0: me. I'm 41.\n\nChannel 1: Oh, okay.\n\nChannel 0: Why?\n\nChannel 1: Oh, I just I was just kinda oh, it's just because I I feel sorry\n\nChannel 0: Yeah.\n\nChannel 1: for the kids coming through these days with all this shit. You know? You're you're\n\nChannel 0: Absolutely.\n\nChannel 1: probably a bit more\n\nChannel 0: I'd.\n\nChannel 1: you're probably a bit more established. So\n\nChannel 0: Yeah, no, I do completely understand where you're going there. I've got two children for 19 and 20, and they are currently in the process trying to save up to build a house deposit. And, like, realistically, as you're saying, with inflation and with everything going getting more expensive, it does sound to make it difficult that for them to have a mortgage in the future. They're gonna have to also rely on myself to, you know, put some of my assets up as collateral to sort of help them out. So I do thoroughly understand where you are going with that and how you are feeling.\n\nIt is making it very, very difficult for the future generations to be able to purchase a home or for people to pay off homes. I know even people my age and your age are, you know, expecting to go into retirement still having a mortgage because it is just very hard to cover the cost and reduce\n\nChannel 1: Oh\n\nChannel 0: it.\n\nChannel 1: oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh Never.\n\nChannel 0: How\n\nChannel 1: Oh,\n\nChannel 0: much\n\nChannel 1: I\n\nChannel 0: do\n\nChannel 1: doubt\n\nChannel 0: you owe\n\nChannel 1: I doubt\n\nChannel 0: on\n\nChannel 1: at\n\nChannel 0: at\n\nChannel 1: least\n\nChannel 0: the moment?\n\nChannel 1: I win water.\n\nChannel 0: Well,\n\nChannel 1: At the\n\nChannel 0: if\n\nChannel 1: moment,\n\nChannel 0: I win, I'll share it.\n\nChannel 1: it it I it I think I owe about $300 or it it's only 200 at the moment, but there's a there's a 100 and something a 110 or something in the\n\nChannel 0: Yeah. On the offset?\n\nChannel 1: redraw. I can redraw\n\nChannel 0: Yeah.\n\nChannel 1: the bottom business\n\nChannel 0: Yeah.\n\nChannel 1: if I wanted.\n\nChannel 0: Yeah.\n\nChannel 1: So I think at the moment, it's about 200, but realistic, it's a bit over $303,100 and something. But, yeah, the rate your rate you're paying it off. I'm barely like, I think I only pay off about $200 a month, you know, off off the residual.\n\nChannel 0: Yeah.\n\nChannel 1: So what's\n\nChannel 0: Yep.\n\nChannel 1: that? It's only $1,200 a year. How long do they go? Like, pay off forever.\n\nChannel 0: Yeah. And interest rates probably up around that sort of\n\nChannel 1: Yeah.\n\nChannel 0: six to 7% at the moment.\n\nChannel 1: Yeah. So it's just\n\nChannel 0: Yeah.\n\nChannel 1: I don't know. I don't know. I'll have to anytime I pay it off is if I get when my parents I'll get some money from them when they they're quite well off there.\n\nChannel 0: Yep. Are you sort of hoping to be able to maybe down the track use some of your super when you retire or when you get old enough to maybe look at retiring to sort of help pay down the loan, or are you sort of just wanting to keep your super as an income stream knowing you may need to draw down more in retirement to cover the mortgage or payments if you still have the mortgage to that time frame? What\n\nChannel 1: Oh,\n\nChannel 0: have you sort\n\nChannel 1: yeah.\n\nChannel 0: of thought\n\nChannel 1: I don't\n\nChannel 0: about\n\nChannel 1: know. I was\n\nChannel 0: the outcomes\n\nChannel 1: I was\n\nChannel 0: there?\n\nChannel 1: well, I said if I if I could get it down the repayment's down enough\n\nChannel 0: Yeah.\n\nChannel 1: that that that the rent would actually cover the the the rates and the strata and all that and a bit more\n\nChannel 0: Mhmm.\n\nChannel 1: for me to live on, then I'd like to say, I'll just go overseas. I'll just sell everything to go overseas. I've I've thought about\n\nChannel 0: Yeah.\n\nChannel 1: doing that just because I've got a few I've got a few collectible cars, probably\n\nChannel 0: Yep.\n\nChannel 1: probably about a $150 worth of collectible cars. And\n\nChannel 0: Yeah. Wow.\n\nChannel 1: I thought about just selling all them, and I've got a few old rifles. They're not worth much, but and but just selling everything and just put it all against my mortgage and then refinancing the mortgage so the repayments are right like because at the moment, I couldn't rent this place out. It wouldn't even cover it wouldn't even cover the strata and that. It wouldn't even cover the mortgage, I don't think.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, yeah.\n\nChannel 0: Okay.\n\nChannel 1: Because the mortgage is 2,200 a month. There's no way you get $500 a week for this place. No way. Didn't that change a good location?\n\nChannel 0: Yeah.\n\nChannel 1: I bought I bought\n\nChannel 0: Yeah.\n\nChannel 1: the cheapest place in Ballina for 200\n\nChannel 0: Yeah.\n\nChannel 1: thousand\n\nChannel 0: Yeah.\n\nChannel 1: dollars.\n\nChannel 0: Wow.\n\nChannel 1: And it's built built in 1960, and it hasn't been renovated. It's\n\nChannel 0: Yeah.\n\nChannel 1: old.\n\nChannel 0: Wow.\n\nChannel 1: No dishwasher. So\n\nChannel 0: Oh, wow.\n\nChannel 1: yeah. Yeah. It's full popper.\n\nChannel 0: I mean, you're on River Street too, and that's not a bad place. Like, I know New Orleans and New South Wales quite well. I'll actually live in New South Wales and drive to the Coast every day for work. So I know Ballina quite well,\n\nChannel 1: Oh, it's\n\nChannel 0: but\n\nChannel 1: a\n\nChannel 0: you're\n\nChannel 1: great\n\nChannel 0: on\n\nChannel 1: location.\n\nChannel 0: River Street\n\nChannel 1: That's\n\nChannel 0: there.\n\nChannel 1: what I bought it.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: bought it it it's it's really primed for development, and\n\nChannel 0: Yeah.\n\nChannel 1: and we've already got everyone we've already got a a what do you call it? I think we've got four out of four out of seven owners or five out of seven owners that will sell to a developer if they they can.\n\nChannel 0: Okay.\n\nChannel 1: So that's the only reason I bought it is and I had to buy a place because I couldn't rent a place with a\n\nChannel 0: Yep.\n\nChannel 1: dog\n\nChannel 0: Yes.\n\nChannel 1: after the floods. It's impossible. I was\n\nChannel 0: Oh,\n\nChannel 1: off I\n\nChannel 0: absolutely.\n\nChannel 1: was I was offering them six months in advance. I was offering $24,000 up front, and they I still couldn't get them.\n\nChannel 0: Wow. That's crazy. When's the last time you had your mortgage looked at by maybe a mortgage broker or a bank? Have you sort of had the the rates reassessed to see if there's a better rate out there or if they can maybe help you to pay it down faster by reassessing the loan?\n\nChannel 1: I I've only just got done a when was it? Just come up two years now.\n\nChannel 0: Okay.\n\nChannel 1: Because I I re I already did it. I don't know if I told you last time. I told her I helped she's I don't know what she is. She's like my financial burden that was my ex partner or whatever the hell she is.\n\nChannel 0: Yep.\n\nChannel 1: I've helped her buy a car, so I I redid the mortgage to split it up. So her car\n\nChannel 0: Yep.\n\nChannel 1: was on my because I've I've lent her money before. She she owes she owes me shitloads, but I've\n\nChannel 0: Yeah.\n\nChannel 1: lent her money before, and she never paid any interest. She paid the car. She paid off\n\nChannel 0: Yes.\n\nChannel 1: another car before. But I\n\nChannel 0: Yeah.\n\nChannel 1: said this time, you're gonna be copping interest because you know? And that's how I split up the loan, and I got the broker that did it for me said, oh, you might as well change banks because you can get I think I got $2,000 or $3,000 for swapping banks.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, it's it's not too bad. The payments aren't too bad. It's only $2.02. It's hardly\n\nChannel 0: Yep.\n\nChannel 1: going up from with the interest rates.\n\nChannel 0: Yep.\n\nChannel 1: Yes. It's just all hassle there. I don't know.\n\nChannel 0: Yeah. Yeah. No. That's okay. I mean, the other thing is is that we do have mortgage brokers that we can definitely look to refer you through to.\n\nAnd another option might be if they look at the loan that you have and the rate that you're on and maybe reassess your circumstances, they might be able to refinance to a lower rate and also look at ways to help you pay the mortgage down faster. I know, you know, looking at things that might still be, you know, a fifteen, twenty year loan. But if they can sort of reevaluate, get you on a lower rate, which reduces your repayments, then making more repayments can help you to reduce the loan a bit faster as well. But, yeah, it's also up to whether or not you're comfortable going through that because it is a bit of a process. You are going through responsible lending regulations and having everything looked at.\n\nBut if it's something you would like to do, you're welcome to let us know. We can refer you through to a mortgage broker to assess that\n\nChannel 1: I'll\n\nChannel 0: that is\n\nChannel 1: I'll I'll have\n\nChannel 0: at no cost\n\nChannel 1: a I'll\n\nChannel 0: to yourself.\n\nChannel 1: have a look\n\nChannel 0: So\n\nChannel 1: at I'll have a look at what they're charging me, and then I'll I'll do a quick look myself and see if it's\n\nChannel 0: yeah. Absolutely. Absolutely.\n\nChannel 1: yeah.\n\nChannel 0: That's okay. Absolutely fine. So because we have made that switch within your super fund there, I would like to sort of just maybe do a bit of a review on your performance in the next, say, you know, three to six months just to sort of see if there's any new advice down the track to sort of look at. The other thing I wanted to sort of touch base on is the contribution side of things. So, I mean, you're in that growth environment taking a bit more risk to try and get greater potential returns now, but contributions do kinda go to helping.\n\nI know with you in between jobs and sort of with a lot of\n\nChannel 1: Yeah.\n\nChannel 0: changes\n\nChannel 1: Okay.\n\nChannel 0: going on, do you have much in the way of expendable\n\nChannel 1: The\n\nChannel 0: income\n\nChannel 1: the\n\nChannel 0: or\n\nChannel 1: the the\n\nChannel 0: savings?\n\nChannel 1: the problem\n\nChannel 0: At.\n\nChannel 1: with it is that you can't take\n\nChannel 0: Yeah.\n\nChannel 1: it back out. I'd I'd rather put\n\nChannel 0: That's\n\nChannel 1: it\n\nChannel 0: right.\n\nChannel 1: off my loan where where I can get it back if I want it.\n\nChannel 0: Yeah. That's\n\nChannel 1: Because\n\nChannel 0: absolutely\n\nChannel 1: what\n\nChannel 0: fine.\n\nChannel 1: I what I was doing and and like I said, I've I've got a I'm sorry. I know you're in the\n\nChannel 0: Yeah.\n\nChannel 1: industry,\n\nChannel 0: You're\n\nChannel 1: but I've got\n\nChannel 0: right.\n\nChannel 1: a really\n\nChannel 0: Yeah.\n\nChannel 1: bad opinion of super I think it's shit.\n\nChannel 0: Okay.\n\nChannel 1: Because I'll put in\n\nChannel 0: That's\n\nChannel 1: I'll put\n\nChannel 0: fine.\n\nChannel 1: I'll put money into it for years. Oh, the dog's leaving the\n\nChannel 0: Yep.\n\nChannel 1: room. He doesn't like it when I talk about it. He leaves the room. I I put in money. I put in I was putting in $30 a week or something for years,\n\nChannel 0: Yes.\n\nChannel 1: and my it hardly went up. In fact, it was count backwards with those. You guys are a lot better than the other ones, but a lot of those super funds and see the problem with it all is every super fund's got a CEO and a directors and that, you know, that are all skimming\n\nChannel 0: Yes.\n\nChannel 1: off the top, you know, and\n\nChannel 0: Yeah.\n\nChannel 1: and they and they don't perform. They don't do very well on you with the money. They're they're hopeless.\n\nChannel 0: Yeah.\n\nChannel 1: All,\n\nChannel 0: Yeah.\n\nChannel 1: you know, all\n\nChannel 0: No.\n\nChannel 1: those\n\nChannel 0: That's\n\nChannel 1: big\n\nChannel 0: okay.\n\nChannel 1: ones and that, well, they they were lucky to make 3% stuff with all their fee. They're absolutely\n\nChannel 0: Yeah. Yeah. No. That's okay. That's completely understandable.\n\nI can keep bringing it up down the track. And when and if you decide that you are comfortable wanting to put some more into that, that's absolutely fine.\n\nChannel 1: costly.\n\nChannel 0: What I'd like to maybe do is just keep watching things over the next week. Do you want me to do a catch up in maybe three months or six months with you to see how these changes that we've made are performing and see if there's any new advice down the track to sort of provide? Would you\n\nChannel 1: Yes.\n\nChannel 0: like that in three or six months? What would you prefer, Peter? I'm happy to\n\nChannel 1: Probably sick.\n\nChannel 0: coordinate\n\nChannel 1: Yeah.\n\nChannel 0: with six months. Yeah. That brings us up to February, if that's okay.\n\nChannel 1: Yeah. What I did think about doing I was gonna ask my accountant about this, and then Norco made me sell. I did think about\n\nChannel 0: Yeah.\n\nChannel 1: at the end of financial year, if I dump a heap of money into my super, that that can reduce my tax, can't it?\n\nChannel 0: Mhmm. Yeah. Absolutely. So they do have what's called a deductible contribution where you deposit the funds from your bank account into the super fund. Again, it does lock it away, and then we claim what's called a notice of intent against that.\n\nSo say if you put $10,000 in, it goes in nonconcessionally. We put we claim the notice of intent for you. The super fund then deducts 15% tax out of that contribution, and you can take that 10,000 back to your account and and claim that as a tax deduction on the year's income. So you absolutely can do that. You if that's something you would like to do, I'm more\n\nChannel 1: Alright.\n\nChannel 0: than happy to put maybe something in the calendar so we can touch base before the end of the financial year and look at your income and what you have available and what you might be comfortable putting in the super. I can also give you personal advice and provide an advice document that recommends doing so and the benefits, the advantages, disadvantages, and risks of doing that to make it easier on you so you can\n\nChannel 1: Well,\n\nChannel 0: see it\n\nChannel 1: see,\n\nChannel 0: all.\n\nChannel 1: that that's what I was gonna do. I I I thought that instead of buying the business, like, selling a whole heap of stuff,\n\nChannel 0: Yep.\n\nChannel 1: dumping it all into my super,\n\nChannel 0: Yep.\n\nChannel 1: but then use it to then pay off my house, but you can't do it. So it's yeah. Next, you\n\nChannel 0: Not\n\nChannel 1: know, you you you should be able to use your super as equity, but you can't. It's\n\nChannel 0: net\n\nChannel 1: stupid.\n\nChannel 0: you can there is a way that that can work for you if you are open to doing it. So if you were to look at doing that now and say you had ten or twenty thousand over the course of the year that you wanted\n\nChannel 1: It's so\n\nChannel 0: to put\n\nChannel 1: stupid.\n\nChannel 0: into super, you can put it in as a lump sum. The downside of doing that is the money gets invested at one time. So if you dump $20 in tomorrow, the money gets invested, the market drops, so that is gonna reflect. What you could then also be doing is doing it on a regular basis. So putting smaller amounts of money in on a more regular basis, doing the exact same thing.\n\nIt comes out of your bank account and into the super fund. We can\n\nChannel 1: Yes.\n\nChannel 0: help you to set it up as a regular direct debit or it's a regular transfer from your bank account, or you can manually do it. Depends\n\nChannel 1: But\n\nChannel 0: on your\n\nChannel 1: it\n\nChannel 0: comfort level. But then not necessarily. If we start\n\nChannel 1: it'll it'll never get to the amount where I can do that, so there's almost no point. Yeah. Besides besides besides a tax break, because I'll I'll I might what I'll do is if I get another business and I'm doing well again because what I was doing is every I've I've looked at my business account and they get enough money in there. I'd I'd know how many bills I've built what my bills were actually gonna be. And\n\nChannel 0: Yes.\n\nChannel 1: I just, like, I just, like, dumped 10 or $20 off my off my\n\nChannel 0: Yeah.\n\nChannel 1: hat.\n\nChannel 0: Yep.\n\nChannel 1: But I I put it into the house where I knew what where it wasn't been able to withdraw.\n\nChannel 0: Yep.\n\nChannel 1: Not not in the offset. I've I've well, you could redraw\n\nChannel 0: Put it under\n\nChannel 1: on it,\n\nChannel 0: the\n\nChannel 1: but\n\nChannel 0: loan.\n\nChannel 1: but it's yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It's straight off the line, not on the offset.\n\nChannel 0: Yeah.\n\nChannel 1: So not that it probably matters, but alright.\n\nChannel 0: Honestly, the way I sort of put that is that when if you're really good with money and you're able to put that money into the offset and have it just sitting there and you know you're not gonna use it, you're pretty good, you know, just not drawing back whenever you need to, then the offset works honestly the same way. The main difference is in the way I sort of work with a lot of my clients is if they're not great with money, if they find having large sums of money in the offset is easily accessible and they're more likely to use it, then putting it on the loan is a better scenario. It does physically reduce the loan amount, which can also be a benefit to someone who is just looking for that kind of gratitude. But then it is harder to take back. Doing a redraw can be a little bit harder than just having a card and tapping away.\n\nSo\n\nChannel 1: Yeah.\n\nChannel 0: they both have the same effect of reducing the amount of interest that you pay. The main factor is do you wanna see your loan balance decreasing and putting it on the loan directly, or are you comfortable having it in the offset account and not using it all the time to make it easier? And you seem like you're pretty pretty comfortable with that, but it it kinda feels to me like having it for yourself. And you can correct me if I'm wrong, but having it on the loan feels like it would be a much more comfortable aspect for you. So you can physically see the loan balance dropping, which can kind of provide a little bit more, you know, gratitude.\n\nIt kinda shows you that you're actually reducing the loan a lot faster, which can be\n\nChannel 1: Well,\n\nChannel 0: the most people tend to find better.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: paid I paid $50 off in the first year, but that is when the interest rates were low and I was earning good money in the business. Yeah.\n\nChannel 0: COVID interest rates. Yeah. Yeah. Understandable. But, I mean, the other side of it is putting more money into your offset account and the loan does provide a guaranteed rate of return, whereas putting it into super or investing the money, there's no guarantee on the rate of return.\n\nBut if you wanted to look at doing additional contributions, we can structure it so that you are putting maybe smaller amounts in regularly so long as we can kind of and I monitor things and do catch ups with you to make sure things are working harder. But, realistically, if you're putting enough money in and you're also getting good growth on top of that and compounding it over time, you theoretically could end up with enough, if not enough, to cover the mortgage at least close to. And if that's what you wanted to do, if you wanted to just sort of get to retirement age, take all your money out, pay your mortgage down or off completely if possible, and then go overseas and rent the property out, that could work as your retirement goal. There's nothing wrong with that in any way, shape, or form. But\n\nChannel 1: Oh,\n\nChannel 0: giving\n\nChannel 1: if I\n\nChannel 0: a\n\nChannel 1: can,\n\nChannel 0: super\n\nChannel 1: I will?\n\nChannel 0: a boost yeah. Giving a super a boost is definitely important. And as much as the way I sorta super is think of it like your car. The actual super fund is the car. You're sitting in the car, but without fuel, you can't really go anywhere.\n\nThe investments, the fuel, and having contributions put in there does add to it. It's like topping it up and helping it to grow and build. And as much as we can get, you know, a seven or a 10 or a 20% return just from investments and compound that, sometimes adding a little bit of extra money in also provides a greater benefit. It helps to boost and replenish and build on your super a lot quicker as well. So\n\nChannel 1: How much?\n\nChannel 0: there is that consideration\n\nChannel 1: Oh.\n\nChannel 0: to you're at. Sorry.\n\nChannel 1: Oh, oh, I forgot what I said.\n\nChannel 0: That's\n\nChannel 1: I'm\n\nChannel 0: that's alright.\n\nChannel 1: hoping to\n\nChannel 0: You're fine, honestly.\n\nChannel 1: oh, how much oh, so so I was gonna say, how much can you put into your super?\n\nChannel 0: The current concessional rate, so this is thinking like employer contributions or contributions where you've claimed a notice intent. This year, financial year, it's 32,500. However, they also have what's called the carry forward, which means if you've not put in up the cap over the last five years and\n\nChannel 1: Yeah.\n\nChannel 0: your super balance is under 500,000 as at June 30 last year so at thirtieth\n\nChannel 1: Yeah.\n\nChannel 0: of June this year, then you can also probably use catch up contributions from the last five years, and your ATO account would give you that level. So you could theoretically be putting in, you know, 50, 50, a 100,000 depending on what your carry forward limit is, depending on what you're comfortable with as well. They also have non concessional contributions, which at the moment, you can put up to a 130,000 in this financial year, and that's after tax free component within your super funds. So there is a pretty good limit of contributions that can be made. It just depends upon what you're comfortable with.\n\nAnd sometimes starting smaller is a comfort level for most people, especially when they do have a mortgage because most people wanna pay the mortgage down as quickly as possible. The banks make quite a bit of money off our mortgages.\n\nChannel 1: Yeah. So it's it's still for me, I mean, I might when I when I get a business, I might do it to try and reduce my tax.\n\nChannel 0: Mhmm.\n\nChannel 1: But\n\nChannel 0: Yeah.\n\nChannel 1: like I said, if I can't get hold and I can't use it, then it's it's almost useless money to me. You know what I mean? Like, it's\n\nChannel 0: Yeah.\n\nChannel 1: almost it they've made the super and that's what Pauline Hanson said. You know? It it needs to be we need to have more access to it. You know? It's just stupid.\n\nChannel 0: Yeah. Yeah. That's okay. When what age? I mean, theoretically, under the current legislation, if you get to the\n\nChannel 1: Yeah.\n\nChannel 0: age of 60 and you decide you wanna then officially stop work, retire for all intensive purposes, and access that money, you can draw the whole amount of your super out and put it onto your mortgage if that's what you wanna do.\n\nChannel 1: Alright. 60\n\nChannel 0: Alternatively\n\nChannel 1: also with 67.\n\nChannel 0: no. So the age of 60 is the first preservation age. If you fully retire\n\nChannel 1: Yes.\n\nChannel 0: at 60, you can access your funds a\n\nChannel 1: Yes.\n\nChannel 0: 100% tax free and take it all out. Alternatively, if you wait to age 65, they will make you'll have access to your funds regardless of whether you're working or not. And age 67, if you're eligible for, is the age you're able to apply for the age pension through Centrelink or Services Australia. So that's how that works at the moment.\n\nChannel 1: Sorry. Yeah. So what so do do they check do they look at how much you've got in there? Or you could just or you could just say, no. I'm retiring and just take it.\n\nChannel 0: Yeah. Yeah. Correct. So at 60, if you ring me at 60 and go, hey. I'm gonna retire.\n\nI'm gonna stop working. I wanna take all my money out. We can a 100% do that. It doesn't matter how much you have in there. Same thing at 65.\n\nAt 65, if regardless, if you're still working at 65 and you say you wanna take all of it out, you absolutely can. The caveat is between 60 to 65, you have to fully retire with the intention of not going back to work or reduce your hours to below ten hours per week. At 65, it doesn't matter whether you're working or not, but they don't care how much you have in there. If you meet\n\nChannel 1: Okay.\n\nChannel 0: those conditions, you can take it all out, and it gets all tax free.\n\nChannel 1: What what if I was working overseas? Would they know about that? Is that\n\nChannel 0: I mean,\n\nChannel 1: considered\n\nChannel 0: if there's\n\nChannel 1: working?\n\nChannel 0: there's\n\nChannel 1: What\n\nChannel 0: contributions going in, going in, I would probably please not tell me because I'm on a recorded\n\nChannel 1: no.\n\nChannel 0: line. If you ring\n\nChannel 1: No.\n\nChannel 0: me,\n\nChannel 1: No.\n\nChannel 0: you\n\nChannel 1: No.\n\nChannel 0: just\n\nChannel 1: No.\n\nChannel 0: tell\n\nChannel 1: Like,\n\nChannel 0: me you're\n\nChannel 1: say\n\nChannel 0: retired.\n\nChannel 1: say say if I retired at 60, but then bought a business overseas,\n\nChannel 0: Yep. Oh, that's fine.\n\nChannel 1: you can do that?\n\nChannel 0: Yeah. Yeah. Absolutely. There's no there's no rule that says you have to stay retired. If you decide to stop working here in Australia and you are over 60 and you want to take all your money out, out, you do whatever you wanna do with it, if you then go back to work, that's fine.\n\nThere's no caveat saying you can never go back to work again. It's just the intention to not go back to work. It's the intention\n\nChannel 1: Okay.\n\nChannel 0: of retirement. But people retire and get bored and go back to work a week later. It's no problem at all. Yeah.\n\nChannel 1: Yeah. Just bullshit them.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. It well,\n\nChannel 0: Yeah.\n\nChannel 1: it's it's I I looked at because I've been looking at stuff all around all around the world, like, you know, all\n\nChannel 0: Yes.\n\nChannel 1: sorts of stuff. Surf surf, you know, surf charters and bars in Thailand and that because I went to Thailand to get some dental work done.\n\nChannel 0: Yep.\n\nChannel 1: I was up in Japan snowboarding, so I went over there on the way back to and and the one of one of the bars I was drinking drinking because I I went I was trying to stay away from I stayed away from the girly bars because I didn't wanna get rest all the time. And\n\nChannel 0: Yeah.\n\nChannel 1: it was it was like an English bus. And I\n\nChannel 0: Yep.\n\nChannel 1: and I found out there's an English I think it's English or Italian, so who owned it. And I thought, I didn't I didn't think you could own businesses in time. Apparently, you can own certain types of one.\n\nChannel 0: Yep.\n\nChannel 1: You gotta get approval and all this stuff. But\n\nChannel 0: Yeah.\n\nChannel 1: when I looked into it, apparently, you gotta bribe the police and the mafia. So I'm thinking\n\nChannel 0: Oh,\n\nChannel 1: that's\n\nChannel 0: wow.\n\nChannel 1: bitch shit. I'll probably be in trouble from both of\n\nChannel 0: Yeah.\n\nChannel 1: them. Yeah. Apparently, you gotta pay off both of them.\n\nChannel 0: Oh, daze. Gotta pass both sides of it. Yeah. That\n\nChannel 1: It's\n\nChannel 0: would\n\nChannel 1: tough.\n\nChannel 0: be\n\nChannel 1: Well,\n\nChannel 0: difficult.\n\nChannel 1: well, I don't know if you've ever been to Hong Kong, but Hong Kong Hong Kong is really safe because they've they've got the the mafia there. Everyone's gotta play the mafia.\n\nChannel 0: You\n\nChannel 1: And\n\nChannel 0: yeah.\n\nChannel 1: so\n\nChannel 0: Right.\n\nChannel 1: you hardly ever see the police if the police have to get involved. That's really going down. The only thing I've\n\nChannel 0: Yeah.\n\nChannel 1: seen\n\nChannel 0: Right.\n\nChannel 1: the police twice there. I think it's twice, and I've been there about 15 times or so.\n\nChannel 0: Yeah. Right. And it's the Hong Kong mafia.\n\nChannel 1: Yeah. The Hong Kong mafia, they they keep everything safe.\n\nChannel 0: Wow.\n\nChannel 1: That's\n\nChannel 0: That's\n\nChannel 1: that's\n\nChannel 0: crazy.\n\nChannel 1: why you don't you don't see people mucking up and being idiots because the the police don't turn up. The mafia deal with you.\n\nChannel 0: Yeah. Well, there'd\n\nChannel 1: Yeah.\n\nChannel 0: be more severe punishment, wouldn't it?\n\nChannel 1: Yeah. They just have you been to Hong Kong?\n\nChannel 0: I've\n\nChannel 1: No.\n\nChannel 0: never. No.\n\nChannel 1: No.\n\nChannel 0: No.\n\nChannel 1: My my brother lives there. That's the only reason I've been here.\n\nChannel 0: That's cool. So he's he's across it all. He knows where to go,\n\nChannel 1: Yeah. Yeah. The place is nuts. It's\n\nChannel 0: what to\n\nChannel 1: fully\n\nChannel 0: do. Yeah.\n\nChannel 1: it's it's it's built on, like, a really steep hill.\n\nChannel 0: Wow. Yeah.\n\nChannel 1: And,\n\nChannel 0: Wow.\n\nChannel 1: like, like, going anywhere is just a mission. Like, if you have to walk, it you're walking down really steep hills and not really. And that's just just the fact that the pond's built that. So that doesn't mean to. It would've been flat down the bottom at the start, but it's yeah.\n\nIt's pretty crazy.\n\nChannel 0: Yeah.\n\nChannel 1: I wouldn't wanna be there in an earthquake. Put it that way. Pretty scary.\n\nChannel 0: No. Absolutely not. Definitely not. Wow. That's insane.\n\nJeez. Alright. All good. Well, what we'll do moving forward is with your super, I'll keep things as they are for the moment, and we'll do a catch up in six months if you're comfortable with that. In the meantime, I'll keep looking at things, sort of seeing how it's growing, what's happening.\n\nWe'll do a catch up in February to see what's happening work wise, where you earn money, what kind of changes you've got, and whether we maybe update advice and consider making more contributions moving forward. Does that sound okay with you?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. We'll let those changes sort of sit and play, and I'll see how things go. If I look at things because I do look at your super, you know, every so often and see what's happening and, you know, see what the balance is doing and what the returns look like and if something needs to be updated or changed. So if I do sort of look at that and I find there is maybe a need to make some changes, I'll definitely make contact with you and let you know in the meantime.\n\nDoes that sound okay with you, Peter?\n\nChannel 1: Yeah. Sure.\n\nChannel 0: Yep.\n\nChannel 1: Thanks.\n\nChannel 0: Beautiful. That's okay. I wanna make sure. Look. You know, not everyone feels the same way about super, but you're our client.\n\nSo I wanna make sure that, you know, your super\n\nChannel 1: Bye.\n\nChannel 0: is working as hard as it possibly can for you. You've worked your butt off for years, so your money should just be working as hard as it can for you. So we'll make sure things are working as hard as they can. You are kind of in that growth environment. Now one of the things I sort of also wanted to look at was just the risk profiling.\n\nSo in your super, the you're in more of a growth environment, which generally sees about 80% of your super invest in growth assets. So think about Australian and international shares, listed property, and commodities like gold and silver, and then the other 20% in defensive low risk investments like cash, bonds, and fixed interest. This sort of a portfolio, you're wanting to sort of average around about a seven to 9% on a yearly basis compounding that over time. And we know with market ups and downs, there is the risk of a negative year, and we expect that around about one in every five years. This sort of portfolio happily suits someone who's not gonna access their funds for around about six years.\n\nIf you were definitely closer to retirement than you are, I would be saying, let's pull that back a little bit. And looking at where you are now, just double checking, you're 54 this year next month. Is that right?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. What is the likelihood of you wanting to withdraw those funds at the age of 60, or do you think you're gonna wanna probably try and keep it growing a little bit longer? What do you think the likelihood is of\n\nChannel 1: Well,\n\nChannel 0: that?\n\nChannel 1: no. Well, no. What I what you've told me today, I'll probably\n\nChannel 0: Yeah.\n\nChannel 1: I'll probably sell my house and sell all my stuff and go overseas.\n\nChannel 0: So you'll probably sell the house as well?\n\nChannel 1: Yeah. I'll probably sell everything.\n\nChannel 0: Yep.\n\nChannel 1: Sell all\n\nChannel 0: Okay. That's\n\nChannel 1: my\n\nChannel 0: alright.\n\nChannel 1: cars. Sell sell\n\nChannel 0: Yep.\n\nChannel 1: if I have a business, sell a whole lot and just go overseas.\n\nChannel 0: Yeah.\n\nChannel 1: Because\n\nChannel 0: No. That's\n\nChannel 1: I'll be\n\nChannel 0: okay.\n\nChannel 1: I'll be\n\nChannel 0: Understandable.\n\nChannel 1: lucky to make six gig, I think.\n\nChannel 0: Yeah. So do you think you'd be wanting to sort of use your super to pay down the mortgage prior to selling the house or to sell that, let the proceeds pay off the rest of the mortgage\n\nChannel 1: I\n\nChannel 0: if there's one owing, and then add the additional proceeds to your super and maybe take that overseas and live off that money? Does that sound like\n\nChannel 1: don't\n\nChannel 0: what\n\nChannel 1: know. I don't\n\nChannel 0: you\n\nChannel 1: know what\n\nChannel 0: not\n\nChannel 1: I'm doing.\n\nChannel 0: sure? That's okay. We got some things to definitely think about over the next six months, and I'll I'll definitely sort of check-in and ask more about that when we catch up in February just to sort of see where your plans and goals might be going. One of the things you'll\n\nChannel 1: Mhmm.\n\nChannel 0: probably notice about me is I ask all the questions you've probably never thought about. So at least it'll kinda give you an idea of thinking about what you're after, where you wanna head towards, and what you maybe wanna do when you do get to those ages of retirement. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. I just wanted to so I'm gonna work on 60 as a bit of a baseline, which realistically, at the moment, gives us seven years. It's as of next month, we'll have about six years there. Have you ever owned shares of cryptocurrency or investments in your own name before?\n\nChannel 1: No. No.\n\nChannel 0: No. That's okay. With market ups and downs, like, we've sort of seen a lot of those at the moment, how might you be feeling if your super took a bit more of a a dive, say, dropped by 20% in the next one or two years? Do you think you'd be maybe taking it as an investment opportunity, putting money into the market? Are you feeling like you'd be calling us and having a chat about what to do, or are you feeling very nervous about the market ups and downs and wanting to sell\n\nChannel 1: I\n\nChannel 0: the investment maybe to cash? How do you think you might react in that instance?\n\nChannel 1: know. Probably a bit of both. It'd probably a bit you know, good time to invest in it, but I don't know. I\n\nChannel 0: Yep.\n\nChannel 1: don't know what the hell is gonna happen with Trump.\n\nChannel 0: No. Do you think you might like yeah. You're\n\nChannel 1: Is\n\nChannel 0: Do you think you might be willing to maybe call us and have a chat about what's going, seeing what we can do advice\n\nChannel 1: it\n\nChannel 0: wise, and, you know,\n\nChannel 1: yeah.\n\nChannel 0: try to look at what options you have moving forward? Does that sound like something that you might be open to doing, or do you think you'd just be more concerned about\n\nChannel 1: Probably more concerned about it.\n\nChannel 0: it? Yep. Yep. That's okay. I've noted here that we're looking to try and get the best return we possibly can.\n\nAnd in the past, you've mentioned that you've sort of seen your sleep and not doing so well. If you thought whenever you see your super full, how do you think you're feeling about that? Are you optimistic about the investment opportunities? A bit cautious, concerned, or anxious? How do you sort of feel or do you\n\nChannel 1: Anxious?\n\nChannel 0: think you feel when you see you're super full?\n\nChannel 1: Yeah.\n\nChannel 0: Anxious?\n\nChannel 1: It's it's\n\nChannel 0: Yep.\n\nChannel 1: it's pretty pretty depressing.\n\nChannel 0: It is. Yeah.\n\nChannel 1: Because\n\nChannel 0: Absolutely.\n\nChannel 1: they're supposed to be you know, these companies are supposed to be paying dividends, so that's supposed to be going in there. Yeah.\n\nChannel 0: Yeah. Yep. I think one of the things to point out is that whilst there are dividends that are being paid, they are compounding in. It's also the growth, and that's one of the biggest things. That's why we talk a lot about the risk factor is the growth that you see.\n\nThe growth in the portfolio is the change in the investment prices. So as an example, if you held, say, CBA and it was worth $50 a day, tomorrow it might be worth a $100 a share. The next day, it might only be worth $20 per share. And that's not necessarily a reflection of the what the company is worth. It's more just a reflection of what people are willing to pay for that.\n\nAnd markets go up and down for a myriad of reasons. Essentially, it\n\nChannel 1: Yeah.\n\nChannel 0: could just be that people are at the end of the financial year trying to take profits out of their investments at tax time. In December, we tend to see a lot of those sorts of sell offs because, you know, The US tax year has finished up, so sometimes we see that. Our financial year, we see the same thing. We tend to see markets take a little bit of a dip around about the end of June where people might be selling off for profits. It might also just be like we saw in April this year.\n\nThe markets are going up and down because Trump sort of said something, traded something, or made a decision, and that sort of scared investors off. And a lot of investors are older, so they are sort of looking at their funds going, oh, no. What's this gonna mean? I need to sell out now to cash before somebody else does to keep my returns. And that sort of thing starts a bit of a sell off.\n\nOther people see it getting red and going down, and they continue to do the same thing. So 90% of market reactions is just human beings buying and selling. My job is to keep you from trying to make those sorts of decisions. It's to tell you that it's okay. And when we're looking at those sorts of things, like, no one likes to see the balance go down, but we wanna make sure you're in a portfolio that if you saw that 20% dip this year or next year, that you're not gonna make a decision to sell out of the portfolio, that you're able to sit and wait and let that portfolio come back.\n\nOne\n\nChannel 1: Mhmm.\n\nChannel 0: of the biggest things that we make sure that we do is that we never recommend anything that is only been around for a short time. All the investments that you're invested in have been around for a long period of time. They've seen, like, the GFC style events. They've been through COVID.\n\nChannel 1: Mhmm.\n\nChannel 0: Those investments have withstood those downtimes and then come back and recovered as as the downtimes have kind of come back out as people have been more confident in the market. So it's one of the important things. And when we talk about risk, it's about making sure that you're in those portfolio, that you're comfortable with the ups and downs. And when you're not, that we maybe pull back that risk level. However, taking less risk in the market may means that we are also expecting lower rates of return.\n\nSo it's kind of a juggling act. Are you wanting to are you comfortable taking on a bit more risk now knowing that you're gonna there is the risk of a downtime, but you're not gonna access the money in that downtime? You've got you've got time on your side to wade through that and wait for your portfolio to recover prior to taking any money out or prior\n\nChannel 1: Yeah.\n\nChannel 0: to taking large lump sums. Does that make sense? Does that clarify?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So risk isn't always a bad thing. You want good returns to take a little bit more risk to do so, but it's gotta be within a certain comfort level for you as well. So I'd be happy to keep you in this sort of environment. You've scored as a growth investor, so that's okay probably for this year.\n\nBut then maybe we look at it in February and look at maybe adjusting the risk level a little bit if you are, you know, wanting to realistically think about selling out and and taking the funds at 60. Does that make sense? Do\n\nChannel 1: Yep.\n\nChannel 0: you have\n\nChannel 1: Yep.\n\nChannel 0: more questions? Did you want me to clarify\n\nChannel 1: Right.\n\nChannel 0: anything for you?\n\nChannel 1: No. My mom\n\nChannel 0: No?\n\nChannel 1: got my mom got CBA shares when they were I think she when they were released, I think, 20¢ or 10¢ or something. I can't remember.\n\nChannel 0: Wow. That would have been a long time ago.\n\nChannel 1: Yeah. And then\n\nChannel 0: Wow.\n\nChannel 1: when they went down one stage, they went down to, like, $20. It was no.\n\nChannel 0: Yeah.\n\nChannel 1: No. Not 20¢. It would've been 15 or $20 per share.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Wow.\n\nChannel 1: can't remember what the initial was. You you could probably find out. But\n\nChannel 0: Yeah.\n\nChannel 1: then it went down to, like, $28 from 70, and she bought a hat stack then as well.\n\nChannel 0: Yeah.\n\nChannel 1: And and now what I can't remember. Last time I saw it was a 110 or something. I don't know what it is now,\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: Let me have\n\nChannel 1: they've\n\nChannel 0: a quick\n\nChannel 1: got\n\nChannel 0: look\n\nChannel 1: a stack\n\nChannel 0: for\n\nChannel 1: of shares. They've got over $500,000 of\n\nChannel 0: you.\n\nChannel 1: shares. Yeah. That's just\n\nChannel 0: Wow.\n\nChannel 1: that's\n\nChannel 0: And\n\nChannel 1: just the new share fault for it, and they own all that. Yeah.\n\nChannel 0: yeah. So\n\nChannel 1: They're\n\nChannel 0: that's\n\nChannel 1: good\n\nChannel 0: a bit of\n\nChannel 1: as\n\nChannel 0: an inheritance down the track for you as well someday.\n\nChannel 1: yeah. We're we're good as good as brother, but yeah. They're both the old\n\nChannel 0: Yeah.\n\nChannel 1: the old man. It's not real well at the moment. I've got a ring about him, actually.\n\nChannel 0: Oh,\n\nChannel 1: But\n\nChannel 0: that's the same. Yeah.\n\nChannel 1: yeah. He's got pockets and stuff.\n\nChannel 0: Yeah. Wow. How progressed is it?\n\nChannel 1: The the, the medication that see, this is the thing. Walter Jay Fox has raised stacks of money, and if they get onto it early enough, they could slow it right down.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So if he actually works on his exercise, he he actually gets better, but he's a bit\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: lazy. And but yeah. I mean, they're up in Brisbane. Andrews, my brother's in Hong Kong and all his daughter.\n\nChannel 0: Balon is not a bad place to be.\n\nChannel 1: It's well, there's a it's probably it's probably the friendliest place I've ever lived in. It's\n\nChannel 0: Yeah.\n\nChannel 1: it's it's very working class, but\n\nChannel 0: Yes.\n\nChannel 1: my my local my local pub in Brisbane, I wasn't worried about anyone in that bar, but this the local down here, there's about $15 I wouldn't wouldn't upset.\n\nChannel 0: Yes. Yeah.\n\nChannel 1: It's\n\nChannel 0: I\n\nChannel 1: it's\n\nChannel 0: understand\n\nChannel 1: it's it's\n\nChannel 0: that.\n\nChannel 1: it's like I mean, it's pretty working class.\n\nChannel 0: Yeah.\n\nChannel 1: Where were you living in Northern Rivers? Is it Kingsford\n\nChannel 0: So I was\n\nChannel 1: or somewhere?\n\nChannel 0: born, yeah, I was born in Murwillumbah, and I\n\nChannel 1: Oh,\n\nChannel 0: lived\n\nChannel 1: yeah.\n\nChannel 0: in Murwillumbah and now live at Tweed Heads, Sonora Point. Yeah.\n\nChannel 1: I like that. I knew the car\n\nChannel 0: Yep.\n\nChannel 1: clean from a little about one day.\n\nChannel 0: Yeah.\n\nChannel 1: You know\n\nChannel 0: Wow.\n\nChannel 1: you know how to have the car clean? I've worked with her.\n\nChannel 0: Yep.\n\nChannel 1: I can't remember her name now.\n\nChannel 0: Yeah. Wow.\n\nChannel 1: I used to work with her at APSM.\n\nChannel 0: Yeah. Nice. Nice.\n\nChannel 1: And after my window. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: So that's\n\nChannel 0: Yep.\n\nChannel 1: that's just always get is that the one there, Byron, or is that the one up always get those two mixed up.\n\nChannel 0: It's a little bit further up than Byron, so\n\nChannel 1: Yeah.\n\nChannel 0: it's about,\n\nChannel 1: Yeah.\n\nChannel 0: say, half an hour north of Byron, and then about an hour away from Ballina.\n\nChannel 1: Yeah.\n\nChannel 0: North.\n\nChannel 1: It's up near the border.\n\nChannel 0: Yeah.\n\nChannel 1: It's on the river there, ain't\n\nChannel 0: It\n\nChannel 1: it?\n\nChannel 0: is.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yep. Yep. I think what you're thinking was Mullumbimby,\n\nChannel 1: Mom\n\nChannel 0: which\n\nChannel 1: and\n\nChannel 0: is\n\nChannel 1: baby. Yeah.\n\nChannel 0: closer\n\nChannel 1: I always get\n\nChannel 0: to\n\nChannel 1: those.\n\nChannel 0: Byron.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: I always get those two mixed up. Because I\n\nChannel 0: No.\n\nChannel 1: almost\n\nChannel 0: That's okay.\n\nChannel 1: I almost surface. I'm only interested in surfing down the beaches.\n\nChannel 0: Yeah. Well, see, you live in the right place for that. You've got Byron, Lennox, Ballina. Oh, the headlands there are great for surfing.\n\nChannel 1: Yeah. I I haven't surfed in years, but I when I was on the milk run, I pretty much quit because I twisted my ankle one time surfing, and I just had to work on it.\n\nChannel 0: Yeah.\n\nChannel 1: So if you hurt, you know, you basically try to drag yourself around. Just put up with it, you know, because you got no backup.\n\nChannel 0: Yeah.\n\nChannel 1: And the the cafes and the supermarkets and that, they can't go without their milk. If they got no milk, then they're, you know, really not happy.\n\nChannel 0: Yeah. Yeah. Absolutely. Absolutely. So with your role at the moment, with the deliveries for Australia Post, are you employed by Australia Post, or are you more subcontracting?\n\nHow\n\nChannel 1: Uh-oh.\n\nChannel 0: does that sort of work?\n\nChannel 1: I'm subcontracting with a guy who's got a contract through Australia Post.\n\nChannel 0: Yeah.\n\nChannel 1: But it's the guy one of the guys I'm working with, he reckons he's getting paid less now than when he was seven years ago.\n\nChannel 0: Right.\n\nChannel 1: But he\n\nChannel 0: Yeah.\n\nChannel 1: reckons they'll\n\nChannel 0: Wow.\n\nChannel 1: getting a he said they'll getting better rate then than they are now, and fuels,\n\nChannel 0: Yeah.\n\nChannel 1: like, you know, three times the price.\n\nChannel 0: Wow. Yeah.\n\nChannel 1: And and\n\nChannel 0: Okay.\n\nChannel 1: we paid\n\nChannel 0: Right.\n\nChannel 1: for our\n\nChannel 0: Yep.\n\nChannel 1: bill.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah,\n\nChannel 0: So\n\nChannel 1: it's\n\nChannel 0: this is the\n\nChannel 1: it's\n\nChannel 0: pay Sorry. You're right.\n\nChannel 1: oh, I'm only making about a thousand dollars a week, and then\n\nChannel 0: Okay.\n\nChannel 1: that's before tax and\n\nChannel 0: Yes.\n\nChannel 1: it's just it's just not I feel like saying I'm going, this is not I'm not saying that, but I don't want him to get someone to replace me and then but so I'm not saying anything. But as soon as I find a business, I'm gonna get the hell out of there. I wanna get out before\n\nChannel 0: Yay.\n\nChannel 1: Christmas because it apparently, they're super busy in Christmas, and I don't want to be dealing with that.\n\nChannel 0: I could only imagine the amount of gets that has to be delivered around Christmas time.\n\nChannel 1: Oh,\n\nChannel 0: Yeah.\n\nChannel 1: they reckon it's not. So they reckon they almost go seven days a week. But yeah. And Belenar is great. Especially the summer holidays, the school holidays,\n\nChannel 0: Yes.\n\nChannel 1: the traffic in Ballina just goes nuts. All\n\nChannel 0: Oh,\n\nChannel 1: the country folk\n\nChannel 0: absolutely.\n\nChannel 1: come into town. They drive\n\nChannel 0: Yes. Yep.\n\nChannel 1: with bonkers. They do, like, half the speed in it everywhere, and they can't use your handbags. And you and you can\n\nChannel 0: Absolutely.\n\nChannel 1: tell you can tell their country because they've got a, you know, a uke with a 44 in the back and a. You're from the country.\n\nChannel 0: Absolutely. I remember when I used to work in Bellona, I used to drive through Bellona every day for work from Tweed, and I hated the weekend of Blues Festival because the m one was clogged with the amount of people trying to get into Byron that weekend. That is insane.\n\nChannel 1: Oh, it's just yeah. It's nuts. I don't even know where people\n\nChannel 0: Yeah.\n\nChannel 1: go. Right? I I think I went to one no. I I only went to two festivals growing up, and I hated them. I only\n\nChannel 0: Yeah.\n\nChannel 1: hated them, but, like, I went to the big day out once on the Gold Coast, and then I went to another\n\nChannel 0: Yep.\n\nChannel 1: one Perth. I can't remember where that was. But\n\nChannel 0: Yeah.\n\nChannel 1: I just don't I don't I'd rather just go see one one like, I went to the food parties at the Suncorp, but it's the last one I went to.\n\nChannel 0: Wow.\n\nChannel 1: That\n\nChannel 0: Yeah.\n\nChannel 1: was awesome.\n\nChannel 0: Yep.\n\nChannel 1: But I just found the crowd and all the dirt and the you know, it's all dusty and anyhow.\n\nChannel 0: Yep. Wow. Alright. That's okay. That's absolutely fine.\n\nBeautiful. So that's all working. What sort of hours are you working at the moment? You sort of said you start early and finish a bit earlier. Are you sort of working full time hours, you know, thirty eight hour weeks or more, or what's the average hours you would be doing?\n\nChannel 1: Haven't really thought. I thought Probably but today was, like, five and a half hours.\n\nChannel 0: Yep.\n\nChannel 1: So I think on the quiet days, it's probably you're probably doing about five and a half, six hours, and on the busy days, you're doing about eight.\n\nChannel 0: Okay.\n\nChannel 1: So you\n\nChannel 0: So\n\nChannel 1: might have\n\nChannel 0: it sort\n\nChannel 1: two\n\nChannel 0: of\n\nChannel 1: busy\n\nChannel 0: depends.\n\nChannel 1: days and three quiet days to work at eighteen. Doing about thirty four hours a week. You as you get better at it, you get quicker at it. So it's the same with the milk. We're not supposed to start the milk.\n\nIt's taking me ten hours a day, but I've got that\n\nChannel 0: Yes.\n\nChannel 1: down till about seven.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: But because you get to know your route and all that. That balance is crazy. The the council if I ever meet someone from the council, I'm gonna slap and play because oh, actually, what probably the it's what they've done in the past with the developers. They they'll have a the address will be on one street, but the units will be accessed from another street.\n\nChannel 0: Yep.\n\nChannel 1: And no one tells you. Like, no one puts\n\nChannel 0: Yep.\n\nChannel 1: it on their letter that, you know, access from this street. You know? So you you constantly go to the wrong address,\n\nChannel 0: Yeah.\n\nChannel 1: and it's so annoying. And then the amount of houses that have numbers on, not there's no not well, you go down a section of street, there'll be four houses, no numbers on them. And you're like and\n\nChannel 0: And\n\nChannel 1: the\n\nChannel 0: I guess\n\nChannel 1: the the\n\nChannel 0: it's\n\nChannel 1: GPS\n\nChannel 0: how\n\nChannel 1: on the Australia Post the the app that they use, the GPS on it is always about thirty seconds.\n\nChannel 0: Yep. You're right. Wow.\n\nChannel 1: Yeah. Sorry. Oh my god.\n\nChannel 0: Well, hopefully, you find a business to purchase soon, something that, you\n\nChannel 1: Well,\n\nChannel 0: know,\n\nChannel 1: I\n\nChannel 0: you're\n\nChannel 1: was\n\nChannel 0: happy\n\nChannel 1: actually\n\nChannel 0: doing\n\nChannel 1: looking\n\nChannel 0: and\n\nChannel 1: at one of the ones I looked at blind that I'm interested in is is in Australia Post app. But\n\nChannel 0: oh, you're right.\n\nChannel 1: because because you just get all these commissions, and\n\nChannel 0: Okay.\n\nChannel 1: and that's just the deal with all their stuff. But you wanna see the hoops you gotta catch up through. You know? You gotta do all this stuff for them.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I reckon it'd be it'd be a six month old deal just doing all that stuff for yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: K.\n\nChannel 1: I\n\nChannel 0: Oh,\n\nChannel 1: gotta\n\nChannel 0: go.\n\nChannel 1: I\n\nChannel 0: We'll\n\nChannel 1: gotta\n\nChannel 0: have\n\nChannel 1: I gotta call my mom and do we need to do anything more there?\n\nChannel 0: That's all good. I just wanted to update a few additional things for you. Now the other thing I sort of wanted to pull up was that you don't have any life, TPD, income protection, or trauma insurances. You're comfortable with that position not having any personal insurance cover?\n\nChannel 1: Yeah. I've got no one to give it to.\n\nChannel 0: No. That's okay.\n\nChannel 1: I\n\nChannel 0: Not\n\nChannel 1: I\n\nChannel 0: a problem at\n\nChannel 1: I had\n\nChannel 0: all.\n\nChannel 1: I had a partner and she's moved me\n\nChannel 0: No. No. That's okay. All good. I've got your assets here.\n\nYour house at the moment. Last valuation was about 400,000. Would you change or alter that valuation\n\nChannel 1: over.\n\nChannel 0: at the moment or keep it the same?\n\nChannel 1: The last time I looked, they reckon it was around $4.95, but it's\n\nChannel 0: Okay.\n\nChannel 1: probably dropped since then. It's probably about $4.80.\n\nChannel 0: About $4.80. Perfect. Let's update that for you. I also have your G six E turbo, rough valuation 50,000. Would you\n\nChannel 1: Yep.\n\nChannel 0: keep it about the same or alter\n\nChannel 1: Yep.\n\nChannel 0: that\n\nChannel 1: Yeah. I'll have the drive. That's on the investment. I'll be\n\nChannel 0: value?\n\nChannel 1: I'll\n\nChannel 0: Yep.\n\nChannel 1: be driving.\n\nChannel 0: Awesome. I've got an old Ford Coupe as well at 65,000 of value. Would\n\nChannel 1: Yeah.\n\nChannel 0: you keep that the same, Alter\n\nChannel 1: Yeah.\n\nChannel 0: It?\n\nChannel 1: No. That's fine.\n\nChannel 0: Beautiful. And then we've got a Ford Ute evaluation there of 18,000. Would you alter or change that in any way, shape,\n\nChannel 1: Probably\n\nChannel 0: or form?\n\nChannel 1: probably dropped probably dropped that 15. It's 4 more.\n\nChannel 0: Yep. That's okay. Not a problem at all. And then I've also got a Nissan truck here with a valuation of 20,000.\n\nChannel 1: Oh,\n\nChannel 0: Would\n\nChannel 1: I don't\n\nChannel 0: you\n\nChannel 1: have\n\nChannel 0: alter\n\nChannel 1: that truck\n\nChannel 0: or change\n\nChannel 1: anymore. That that won't\n\nChannel 0: that\n\nChannel 1: need the business.\n\nChannel 0: one? Yep. That's alright. Is there any other assets, liabilities, or anything else that we would need to note down for the change of circumstances at all?\n\nChannel 1: No. I don't think so.\n\nChannel 0: No. That's okay. All good. I've also got it noted here that we don't have a beneficiary nomination on file for you at the moment. So given your current circumstances, if you were to, say, pass away now, not having a beneficiary means that your super has no direction on where you would want that money to be paid to.\n\nHave you sort of thought about what would happen to your super if you were to pass away, where you want that to\n\nChannel 1: Probably to my mom.\n\nChannel 0: go. Yep. Yep. So I've got down here with regard to the will. So as with super, there's rules around everything.\n\nWe can't nominate your mom directly as a beneficiary, but have you got a will? It looks like\n\nChannel 1: Oh,\n\nChannel 0: there was\n\nChannel 1: I I do. I can't even remember who. I think my brother's on that.\n\nChannel 0: yep.\n\nChannel 1: I think it\n\nChannel 0: So\n\nChannel 1: changed\n\nChannel 0: what?\n\nChannel 1: a bit, but because I had a thought with my sister-in-law, so\n\nChannel 0: Okay.\n\nChannel 1: I don't wonder who did.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: Yeah. My brother is in the works. Probably just carry him in.\n\nChannel 0: Yep. That's okay.\n\nChannel 1: Hello?\n\nChannel 0: So with the beneficiary nomination not being on file, in order for it to sort of go to your to your mom or your brother, it does need to be directed through your, through to your will. There is a way we can nominate a beneficiary on file where we pick the legal personal representative, which just means if you were to pass away, your super balance would then be paid direct to your estate. And then as long as your will is valid, it would be directed out as per your will. Is that kind of what you would want to happen\n\nChannel 1: Yes.\n\nChannel 0: to\n\nChannel 1: It'll\n\nChannel 0: your\n\nChannel 1: be fine.\n\nChannel 0: super?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. Are you I can organize the beneficiary forms to be pre filled if you're comfortable with us picking that LPR. Did you want me to pre fill that, tick the box for you?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yep. Beautiful. We'll get it sent out with some direction. You just need to sign and return it back and have a couple of people witness it. So two people over the 18, if they can just witness you signing it, then send it back to us so we can have it, attached for you.\n\nNow there are three types of nominations you can have for a beneficiary. The first one is nonbinding, where the trustee you make the the nomination. The trustee, if you pass away, decides whether they're gonna you know, whether it's followable. It's just you know, they get to decide. They have a a binding which means that you have to update the nomination every three years, or we can do a binding non lapsing.\n\nSo you fill it out now. We have it applied, and you never have to refill that format again unless you wanna change or update that nomination. Do you have\n\nChannel 1: Okay.\n\nChannel 0: a preference on which one\n\nChannel 1: Oh,\n\nChannel 0: you'd\n\nChannel 1: bonding\n\nChannel 0: wanna go with?\n\nChannel 1: and un lapsing.\n\nChannel 0: Yeah. Beautiful. Let's\n\nChannel 1: Yeah.\n\nChannel 0: fill it out once and once only. Hey. Lovely. I can get that nomination pre filled and ticked if you're comfortable with me doing so. Are you happy with me pre filling those\n\nChannel 1: Yes.\n\nChannel 0: details in\n\nChannel 1: Yes.\n\nChannel 0: your beneficiary? Beautiful. My team can email it or post it out to you or both. What would you prefer? Post, email, both?\n\nChannel 1: Probably did you just sign it electronically?\n\nChannel 0: It has to be web signed, so with a a pen and paper.\n\nChannel 1: Oh, okay. You can just email. I can print it. Yeah. That's\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Yep.\n\nChannel 1: I'll forget\n\nChannel 0: Beautiful.\n\nChannel 1: I'll I'll forget about it in the mail.\n\nChannel 0: That's okay. We can get out to you and follow it up to make sure it is all applied there. On the and your review packet that I did email through, it has the information around your portfolio, how it's performed, your updated super balance there as well. It's also got the financial services guide, which has all of my information as a licensed adviser. If you wanna have a look in that, sort of lovely photo of me as well.\n\nIt just\n\nChannel 1: Mhmm.\n\nChannel 0: outlines everything about who we are, what we do, and how we do it. It is a legal document. I always tell people, if you have trouble sleeping one night without the FSG and not get cold in a few seconds, they are generally that boring. But it does outline everything about who we are, what we do, the services we provide there. And then it's also got your ongoing service agreement for the next twelve months.\n\nSo with your balance, we've actually updated our fee structure. So once your super balance goes over the $200,000 threshold, you'll move into the lower tier. So as your balance increases over time, the the amount you pay as a percentage for our services does kinda decrease as you drop to the\n\nChannel 1: No.\n\nChannel 0: threshold. Because you're on your balance is under 200,000 at the moment, you're still on 1.65%. The main thing is our our tiered structure or our fee used to just be the 1.65% entered. We have now worked it out to be a set dollar figure fee for you, and that means that the way it used to work is when the balance went up and down, the fee would also go up and down with it, but it meant that if your balance kept increasing, our fee kept on increasing with it. The way we will work it out now is that we work out the 1.65 based on your current balance.\n\nWe add a 5% return to it, and then we work out the set dollar figure fee. And that basically gives you more certainty around how much you pay for our services for the year, and the fee\n\nChannel 1: Mhmm.\n\nChannel 0: doesn't go over that amount. So if you get a 20 return on your super, you don't your fee doesn't go up anymore over that dollar figure fee for the rest of the year. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. The idea is it gives you a lot more certainty there. And as we build your super balance up over those thresholds, the tiers do get cheaper and cheaper for you. So we wanna make sure that we're looking after and being open with everything. But the ongoing service agreement is in there for you.\n\nWe've worked out for our fees for this year. It is $2,175.22. You will not pay anything more than that for our services. It's just deducted out of your super in smaller monthly increments, and we'll keep reviewing that moving forward. I would like to make sure that your super grows and makes more than that over the next year to make it worthwhile.\n\nIf at any point I feel like our services are not you're not getting the value out of our services, then I'll turn that fee off. But for now, I wanna make sure we're working on things and do a catch up with you and look at providing some advice down the track to help you along. Does that sound okay? Do you have any questions?\n\nChannel 1: No. No. I don't think\n\nChannel 0: Beautiful. Well, if you're do so, I'll get you to\n\nChannel 1: so.\n\nChannel 0: sign and return those documents back to me as soon as you possibly can. Other than that, I'll get the beneficiary nomination sorted for you, and I've got you down to do a catch up in February, and we'll look at how things are tracking then for you.\n\nChannel 1: Okay.\n\nChannel 0: Okay? Excellent.\n\nChannel 1: Thanks.\n\nChannel 0: Awesome. Yeah.\n\nChannel 1: Oh, if you can put a note in there, just always call me sort of after three.\n\nChannel 0: Absolutely.\n\nChannel 1: After\n\nChannel 0: After\n\nChannel 1: three or four, somewhere in there. Just because so on the busy days, I don't finish till around 03:34, so I can't answer\n\nChannel 0: three.\n\nChannel 1: my\n\nChannel 0: Yep.\n\nChannel 1: phone.\n\nChannel 0: No. That's absolutely fine. I can do that. That's not a problem at all. I'll make sure that that note's\n\nChannel 1: Yeah.\n\nChannel 0: in\n\nChannel 1: And,\n\nChannel 0: there\n\nChannel 1: hopefully,\n\nChannel 0: for you\n\nChannel 1: I'll\n\nChannel 0: now.\n\nChannel 1: answer for you.\n\nChannel 0: Yeah. That's okay. I'm pretty persistent. It's not a problem.\n\nChannel 1: Yeah. Yeah. I don't want\n\nChannel 0: All\n\nChannel 1: you\n\nChannel 0: good.\n\nChannel 1: ringing people having to ring people at 06:00 at night. So\n\nChannel 0: Oh, look. Honestly, I actually do work until 06:00 most nights, and one\n\nChannel 1: yeah.\n\nChannel 0: one day a week, I work until seven. So, yeah,\n\nChannel 1: Oh, okay.\n\nChannel 0: I'd like to make sure that I am available because, you know, we all work hard and long hours sometimes, and life gets busy. So having me\n\nChannel 1: Yep.\n\nChannel 0: work back that late does mean that I can take reviews and be there for you later in the afternoon if it suits if you need me to be. So that's fine.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. All good. Well, feel free to have a look through the documents there. Wendy, I'm happy to do so. I'll get you to press the sign button or turn those back.\n\nAnd if you have any questions, please let me know.\n\nChannel 1: No worries. Thanks, Diana.\n\nChannel 0: Okay? No worries. You have a good afternoon. I'll let you go to call your mom. You have a great one.\n\nChannel 1: Yep.\n\nChannel 0: Thanks for your time, Peter. Appreciate it.\n\nChannel 1: Thanks, Tom. Thank you.\n\nChannel 0: Thanks.\n\nChannel 1: Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.92,"end":2.24,"sentiment":"neutral","sentiment_score":0.03527345135807991},{"text":"It's Peter speaking.","start":2.24,"end":3.22,"sentiment":"neutral","sentiment_score":0.027399804443120956}],"sentiment":"neutral","sentiment_score":0.029368216171860695,"channel":1,"num_words":4,"start":1.92,"end":3.22},{"sentences":[{"text":"Hi, Peter.","start":3.6799998,"end":4.24,"sentiment":"neutral","sentiment_score":0.13125602900981903},{"text":"This is Dana from OQ Financial.","start":4.24,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.1716672678788503},{"text":"How are you this afternoon?","start":5.92,"end":7.06,"sentiment":"neutral","sentiment_score":0.21215771734714509}],"sentiment":"neutral","sentiment_score":0.18102340400218964,"channel":0,"num_words":13,"start":3.6799998,"end":7.06},{"sentences":[{"text":"Oh, okay.","start":7.9199996,"end":8.559999,"sentiment":"neutral","sentiment_score":0.1962357982993126},{"text":"Alright.","start":8.559999,"end":9.04,"sentiment":"neutral","sentiment_score":0.29411882162094116},{"text":"Thanks.","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.5664888620376587}],"sentiment":"neutral","sentiment_score":0.31326982006430626,"channel":1,"num_words":4,"start":7.9199996,"end":9.54},{"sentences":[{"text":"Oh, that's a good thing.","start":10.32,"end":11.62,"sentiment":"positive","sentiment_score":0.6476716041564942},{"text":"Excellent.","start":11.679999,"end":12.179999,"sentiment":"positive","sentiment_score":0.6911286115646362},{"text":"I had your full due to go through your annual review today.","start":12.4,"end":14.559999,"sentiment":"positive","sentiment_score":0.41806771357854206},{"text":"Is now still a good","start":14.559999,"end":15.465,"sentiment":"neutral","sentiment_score":0.1458352029323578}],"sentiment":"positive","sentiment_score":0.4206728352152783,"channel":0,"num_words":23,"start":10.32,"end":15.465},{"sentences":[{"text":"Sorry?","start":16.815,"end":17.315,"sentiment":"neutral","sentiment_score":0.09943759441375732}],"sentiment":"neutral","sentiment_score":0.09943759441375732,"channel":1,"num_words":1,"start":16.815,"end":17.315},{"sentences":[{"text":"time there for you?","start":17.465,"end":18.005001,"sentiment":"neutral","sentiment_score":0.08588381484150887}],"sentiment":"neutral","sentiment_score":0.08588381484150887,"channel":0,"num_words":4,"start":17.465,"end":18.005001},{"sentences":[{"text":"The review.","start":18.015,"end":18.595001,"sentiment":"neutral","sentiment_score":0.059641698375344276}],"sentiment":"neutral","sentiment_score":0.059641698375344276,"channel":1,"num_words":2,"start":18.015,"end":18.595001},{"sentences":[{"text":"Yeah.","start":19.145,"end":19.465,"sentiment":"neutral","sentiment_score":0.0887456014752388},{"text":"Had you booked in to go through your annual","start":19.465,"end":21.065,"sentiment":"neutral","sentiment_score":0.0884874380297131}],"sentiment":"neutral","sentiment_score":0.08851325437426567,"channel":0,"num_words":10,"start":19.145,"end":21.065},{"sentences":[{"text":"Yep.","start":20.975,"end":21.475,"sentiment":"neutral","sentiment_score":0.0831744521856308}],"sentiment":"neutral","sentiment_score":0.0831744521856308,"channel":1,"num_words":1,"start":20.975,"end":21.475},{"sentences":[{"text":"review.","start":21.065,"end":21.465,"sentiment":"neutral","sentiment_score":0.07742327451705933},{"text":"Is now","start":21.465,"end":21.865,"sentiment":"neutral","sentiment_score":0.0894688107073307}],"sentiment":"neutral","sentiment_score":0.08545363197724025,"channel":0,"num_words":3,"start":21.065,"end":21.865},{"sentences":[{"text":"Yep.","start":21.775002,"end":22.275002,"sentiment":"neutral","sentiment_score":0.13008683919906616}],"sentiment":"neutral","sentiment_score":0.13008683919906616,"channel":1,"num_words":1,"start":21.775002,"end":22.275002},{"sentences":[{"text":"still a good time there for you?","start":21.865,"end":23.485,"sentiment":"neutral","sentiment_score":0.18795085166181838}],"sentiment":"neutral","sentiment_score":0.18795085166181838,"channel":0,"num_words":7,"start":21.865,"end":23.485},{"sentences":[{"text":"Yep.","start":23.455,"end":23.955,"sentiment":"neutral","sentiment_score":0.18899372220039368}],"sentiment":"neutral","sentiment_score":0.18899372220039368,"channel":1,"num_words":1,"start":23.455,"end":23.955},{"sentences":[{"text":"Fantastic.","start":24.904999,"end":25.404999,"sentiment":"positive","sentiment_score":0.5030884146690369},{"text":"Peter, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":26.185,"end":30.9,"sentiment":"neutral","sentiment_score":0.26291547309268604},{"text":"Are you happy for us to proceed with that?","start":30.9,"end":33.0,"sentiment":"neutral","sentiment_score":0.2706952045361201}],"sentiment":"neutral","sentiment_score":0.27260892698541284,"channel":0,"num_words":32,"start":24.904999,"end":33.0},{"sentences":[{"text":"Sure.","start":32.89,"end":33.39,"sentiment":"neutral","sentiment_score":0.2096492052078247}],"sentiment":"neutral","sentiment_score":0.2096492052078247,"channel":1,"num_words":1,"start":32.89,"end":33.39},{"sentences":[{"text":"Fantastic.","start":34.34,"end":34.84,"sentiment":"positive","sentiment_score":0.3866557478904724},{"text":"And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":35.3,"end":41.32,"sentiment":"neutral","sentiment_score":0.17933072795470556}],"sentiment":"neutral","sentiment_score":0.18601863182360126,"channel":0,"num_words":31,"start":34.34,"end":41.32},{"sentences":[{"text":"Peter Ellen Grant.","start":42.295,"end":43.515,"sentiment":"neutral","sentiment_score":0.014518527624507746},{"text":"Twenty fourth of ninth seventy two.","start":45.015,"end":47.195,"sentiment":"neutral","sentiment_score":0.008715962680677572},{"text":"I'm not sure what address she got on file.","start":47.975,"end":50.635,"sentiment":"neutral","sentiment_score":-0.011092784090174569}],"sentiment":"neutral","sentiment_score":-0.00022131654744346937,"channel":1,"num_words":18,"start":42.295,"end":50.635},{"sentences":[{"text":"Mhmm.","start":50.465,"end":50.965,"sentiment":"neutral","sentiment_score":-0.006828740239143372}],"sentiment":"neutral","sentiment_score":-0.006828740239143372,"channel":0,"num_words":1,"start":50.465,"end":50.965},{"sentences":[{"text":"You got 209 Fitzroy Street or","start":50.934998,"end":53.114998,"sentiment":"neutral","sentiment_score":-0.009001906340320906}],"sentiment":"neutral","sentiment_score":-0.009001906340320906,"channel":1,"num_words":6,"start":50.934998,"end":53.114998},{"sentences":[{"text":"No.","start":54.864998,"end":55.265,"sentiment":"neutral","sentiment_score":-0.052444979548454285},{"text":"I have a different address.","start":55.265,"end":56.64,"sentiment":"neutral","sentiment_score":-0.048909742385149}],"sentiment":"neutral","sentiment_score":-0.04949894857903322,"channel":0,"num_words":6,"start":54.864998,"end":56.64},{"sentences":[{"text":"4284 River Street?","start":57.649998,"end":59.51,"sentiment":"neutral","sentiment_score":-0.005108813444773356}],"sentiment":"neutral","sentiment_score":-0.005108813444773356,"channel":1,"num_words":3,"start":57.649998,"end":59.51},{"sentences":[{"text":"Yeah.","start":59.84,"end":60.32,"sentiment":"neutral","sentiment_score":-0.0032835553865879774},{"text":"Ballina?","start":60.32,"end":60.82,"sentiment":"neutral","sentiment_score":-0.001097548520192504}],"sentiment":"neutral","sentiment_score":-0.0021905519533902407,"channel":0,"num_words":2,"start":59.84,"end":60.82},{"sentences":[{"text":"Yeah.","start":61.01,"end":61.25,"sentiment":"neutral","sentiment_score":0.004252055194228888},{"text":"So it's been updated.","start":61.25,"end":62.21,"sentiment":"neutral","sentiment_score":0.016882240772247314},{"text":"Yeah.","start":62.21,"end":62.289997,"sentiment":"neutral","sentiment_score":0.00822450965642929},{"text":"That's where I am at the moment.","start":62.289997,"end":63.329998,"sentiment":"neutral","sentiment_score":0.007590206206909248},{"text":"Yeah.","start":63.329998,"end":63.829998,"sentiment":"neutral","sentiment_score":0.028423916548490524}],"sentiment":"neutral","sentiment_score":0.011540063424035907,"channel":1,"num_words":14,"start":61.01,"end":63.829998},{"sentences":[{"text":"That that's okay.","start":64.0,"end":64.8,"sentiment":"neutral","sentiment_score":0.041453817238410316},{"text":"So Ballina, The River","start":64.8,"end":66.0,"sentiment":"neutral","sentiment_score":0.03987353295087814}],"sentiment":"neutral","sentiment_score":0.040550797645534785,"channel":0,"num_words":7,"start":64.0,"end":66.0},{"sentences":[{"text":"Yeah.","start":65.81,"end":65.97,"sentiment":"neutral","sentiment_score":0.04420182481408119},{"text":"Balance.","start":65.97,"end":66.47,"sentiment":"neutral","sentiment_score":0.05029512941837311}],"sentiment":"neutral","sentiment_score":0.04724847711622715,"channel":1,"num_words":2,"start":65.81,"end":66.47},{"sentences":[{"text":"Street is your new","start":66.0,"end":66.64,"sentiment":"neutral","sentiment_score":0.05000415164977312}],"sentiment":"neutral","sentiment_score":0.05000415164977312,"channel":0,"num_words":4,"start":66.0,"end":66.64},{"sentences":[{"text":"Yep.","start":66.53,"end":67.03,"sentiment":"neutral","sentiment_score":0.03418327122926712}],"sentiment":"neutral","sentiment_score":0.03418327122926712,"channel":1,"num_words":1,"start":66.53,"end":67.03},{"sentences":[{"text":"address.","start":66.64,"end":67.14,"sentiment":"neutral","sentiment_score":0.036749668419361115},{"text":"Yep.","start":67.2,"end":67.7,"sentiment":"neutral","sentiment_score":0.10441925376653673},{"text":"Fantastic.","start":69.119995,"end":69.619995,"sentiment":"neutral","sentiment_score":0.3137626647949219},{"text":"Peter, when we go through your annual review, we normally do send through some documents via email for you to be able to review as 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you know, just not drawing back whenever you need to, then the offset works honestly the same way.","start":1547.895,"end":1564.785,"sentiment":"neutral","sentiment_score":0.253261640788086},{"text":"The main difference is in the way I sort of work with a lot of my clients is if they're not great with money, if they find having large sums of money in the offset is easily accessible and they're more likely to use it, then putting it on the loan is a better scenario.","start":1564.9249,"end":1577.105,"sentiment":"neutral","sentiment_score":-0.07634591006419876},{"text":"It does physically reduce the loan amount, which can also be a benefit to someone who is just looking for that kind of gratitude.","start":1577.65,"end":1584.15,"sentiment":"positive","sentiment_score":0.4067370456953843},{"text":"But then it is harder to take back.","start":1585.25,"end":1587.8099,"sentiment":"negative","sentiment_score":-0.374332781881094},{"text":"Doing a redraw can be a little bit harder than just having a card and tapping away.","start":1587.8099,"end":1591.98,"sentiment":"negative","sentiment_score":-0.4201444527682136}],"sentiment":"neutral","sentiment_score":0.06703474590307977,"channel":0,"num_words":166,"start":1547.895,"end":1591.98},{"sentences":[{"text":"So","start":1591.98,"end":1592.48,"sentiment":"neutral","sentiment_score":-0.023853152990341187}],"sentiment":"neutral","sentiment_score":-0.023853152990341187,"channel":0,"num_words":1,"start":1591.98,"end":1592.48},{"sentences":[{"text":"Yeah.","start":1592.695,"end":1593.195,"sentiment":"neutral","sentiment_score":0.05928527191281319}],"sentiment":"neutral","sentiment_score":0.05928527191281319,"channel":1,"num_words":1,"start":1592.695,"end":1593.195},{"sentences":[{"text":"they both have the same effect of reducing the amount of interest that you pay.","start":1593.7849,"end":1598.205,"sentiment":"neutral","sentiment_score":0.19995977729558945},{"text":"The main factor is do you wanna see your loan balance decreasing and putting it on the loan directly, or are you comfortable having it in the offset account and not using it all the time to make it easier?","start":1598.825,"end":1610.72,"sentiment":"neutral","sentiment_score":0.09490093179047107},{"text":"And you seem like you're pretty pretty comfortable with that, but it it kinda feels to me like having it for yourself.","start":1610.78,"end":1617.02,"sentiment":"positive","sentiment_score":0.35851040008393203},{"text":"And you can correct me if I'm wrong, but having it on the loan feels like it would be a much more comfortable aspect for you.","start":1617.02,"end":1623.0549,"sentiment":"positive","sentiment_score":0.35376573268037576},{"text":"So you can physically see the loan balance dropping, which can kind of provide a little bit more, you know, gratitude.","start":1623.0549,"end":1630.0349,"sentiment":"positive","sentiment_score":0.4981427604243869}],"sentiment":"neutral","sentiment_score":0.2769481431572668,"channel":0,"num_words":124,"start":1593.7849,"end":1630.0349},{"sentences":[{"text":"It kinda shows you that you're actually reducing the loan a lot faster, which can be","start":1630.095,"end":1634.43,"sentiment":"positive","sentiment_score":0.3888165568932891}],"sentiment":"positive","sentiment_score":0.3888165568932891,"channel":0,"num_words":16,"start":1630.095,"end":1634.43},{"sentences":[{"text":"Well,","start":1634.5499,"end":1635.0499,"sentiment":"neutral","sentiment_score":0.1866726279258728}],"sentiment":"neutral","sentiment_score":0.1866726279258728,"channel":1,"num_words":1,"start":1634.5499,"end":1635.0499},{"sentences":[{"text":"the most people tend to find better.","start":1634.5901,"end":1636.4501,"sentiment":"neutral","sentiment_score":0.29098133955683025}],"sentiment":"neutral","sentiment_score":0.29098133955683025,"channel":0,"num_words":7,"start":1634.5901,"end":1636.4501},{"sentences":[{"text":"I","start":1636.71,"end":1636.7899,"sentiment":"neutral","sentiment_score":0.183788001537323}],"sentiment":"neutral","sentiment_score":0.183788001537323,"channel":1,"num_words":1,"start":1636.71,"end":1636.7899},{"sentences":[{"text":"Yeah.","start":1636.75,"end":1637.25,"sentiment":"neutral","sentiment_score":0.2335527241230011}],"sentiment":"neutral","sentiment_score":0.2335527241230011,"channel":0,"num_words":1,"start":1636.75,"end":1637.25},{"sentences":[{"text":"paid I paid $50 off in the first year, but that is when the interest rates were low and I was earning good money in the business.","start":1636.7899,"end":1645.575,"sentiment":"positive","sentiment_score":0.342934336927202},{"text":"Yeah.","start":1645.575,"end":1646.075,"sentiment":"neutral","sentiment_score":0.06222918629646301}],"sentiment":"neutral","sentiment_score":0.3329091529761042,"channel":1,"num_words":28,"start":1636.7899,"end":1646.075},{"sentences":[{"text":"COVID interest rates.","start":1646.1901,"end":1647.4701,"sentiment":"neutral","sentiment_score":0.05011257901787758},{"text":"Yeah.","start":1647.4701,"end":1647.9701,"sentiment":"neutral","sentiment_score":0.11502116173505784},{"text":"Yeah.","start":1648.755,"end":1649.155,"sentiment":"neutral","sentiment_score":0.17981117963790894},{"text":"Understandable.","start":1649.155,"end":1649.655,"sentiment":"neutral","sentiment_score":0.2040141522884369},{"text":"But, I mean, the other side of it is putting more money into your offset account and the loan does provide a guaranteed rate of return, whereas putting it into super or investing the money, there's no guarantee on the rate of return.","start":1650.1951,"end":1661.335,"sentiment":"neutral","sentiment_score":0.05181484088994736}],"sentiment":"neutral","sentiment_score":0.05871882426495455,"channel":0,"num_words":49,"start":1646.1901,"end":1661.335},{"sentences":[{"text":"But if you wanted to look at doing additional contributions, we can structure it so that you are putting maybe smaller amounts in regularly so long as we can kind of and I monitor things and do catch ups with you to make sure things are working harder.","start":1661.8999,"end":1675.775,"sentiment":"neutral","sentiment_score":0.20938873461758098},{"text":"But, realistically, if you're putting enough money in and you're also getting good growth on top of that and compounding it over time, you theoretically could end up with enough, if not enough, to cover the mortgage at least close to.","start":1675.775,"end":1688.57,"sentiment":"positive","sentiment_score":0.49394964917403894},{"text":"And if that's what you wanted to do, if you wanted to just sort of get to retirement age, take all your money out, pay your mortgage down or off completely if possible, and then go overseas and rent the property out, that could work as your retirement goal.","start":1689.27,"end":1702.295,"sentiment":"positive","sentiment_score":0.4025185162923774},{"text":"There's nothing wrong with that in any way, shape, or form.","start":1702.295,"end":1705.035,"sentiment":"positive","sentiment_score":0.3672492802143097},{"text":"But","start":1705.655,"end":1706.055,"sentiment":"neutral","sentiment_score":0.1687510460615158}],"sentiment":"positive","sentiment_score":0.361563302030166,"channel":0,"num_words":150,"start":1661.8999,"end":1706.055},{"sentences":[{"text":"Oh,","start":1705.97,"end":1706.21,"sentiment":"neutral","sentiment_score":0.15167194604873657}],"sentiment":"neutral","sentiment_score":0.15167194604873657,"channel":1,"num_words":1,"start":1705.97,"end":1706.21},{"sentences":[{"text":"giving","start":1706.055,"end":1706.375,"sentiment":"neutral","sentiment_score":0.2143622040748596}],"sentiment":"neutral","sentiment_score":0.2143622040748596,"channel":0,"num_words":1,"start":1706.055,"end":1706.375},{"sentences":[{"text":"if I","start":1706.21,"end":1706.4501,"sentiment":"neutral","sentiment_score":0.22842758893966675}],"sentiment":"neutral","sentiment_score":0.22842758893966675,"channel":1,"num_words":2,"start":1706.21,"end":1706.4501},{"sentences":[{"text":"a","start":1706.375,"end":1706.535,"sentiment":"neutral","sentiment_score":0.25906553864479065}],"sentiment":"neutral","sentiment_score":0.25906553864479065,"channel":0,"num_words":1,"start":1706.375,"end":1706.535},{"sentences":[{"text":"can,","start":1706.4501,"end":1706.77,"sentiment":"neutral","sentiment_score":0.24788205325603485}],"sentiment":"neutral","sentiment_score":0.24788205325603485,"channel":1,"num_words":1,"start":1706.4501,"end":1706.77},{"sentences":[{"text":"super","start":1706.535,"end":1707.015,"sentiment":"neutral","sentiment_score":0.32057106494903564}],"sentiment":"neutral","sentiment_score":0.32057106494903564,"channel":0,"num_words":1,"start":1706.535,"end":1707.015},{"sentences":[{"text":"I will?","start":1706.77,"end":1707.35,"sentiment":"neutral","sentiment_score":0.22805790603160858}],"sentiment":"neutral","sentiment_score":0.22805790603160858,"channel":1,"num_words":2,"start":1706.77,"end":1707.35},{"sentences":[{"text":"a boost yeah.","start":1707.015,"end":1708.295,"sentiment":"neutral","sentiment_score":0.30556899309158325},{"text":"Giving a super a boost is definitely important.","start":1708.295,"end":1710.875,"sentiment":"positive","sentiment_score":0.6012392528355122},{"text":"And as much as the way I sorta super is think of it like your car.","start":1710.935,"end":1715.1699,"sentiment":"neutral","sentiment_score":0.2872189851477742},{"text":"The actual super fund is the car.","start":1715.1699,"end":1716.9299,"sentiment":"neutral","sentiment_score":0.24477575293609075},{"text":"You're sitting in the car, but without fuel, you can't really go anywhere.","start":1716.9299,"end":1721.2699,"sentiment":"neutral","sentiment_score":0.14044703944371298}],"sentiment":"neutral","sentiment_score":0.2949226925030668,"channel":0,"num_words":47,"start":1707.015,"end":1721.2699},{"sentences":[{"text":"The investments, the fuel, and having contributions put in there does add to it.","start":1721.57,"end":1726.385,"sentiment":"positive","sentiment_score":0.5116885368313108},{"text":"It's like topping it up and helping it to grow and build.","start":1726.385,"end":1729.2849,"sentiment":"positive","sentiment_score":0.6265924821297327},{"text":"And as much as we can get, you know, a seven or a 10 or a 20% return just from investments and compound that, sometimes adding a little bit of extra money in also provides a greater benefit.","start":1730.3049,"end":1740.88,"sentiment":"positive","sentiment_score":0.5833514834705152},{"text":"It helps to boost and replenish and build on your super a lot quicker as 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consideration","start":1747.52,"end":1748.98,"sentiment":"neutral","sentiment_score":0.024052119813859463}],"sentiment":"neutral","sentiment_score":0.024052119813859463,"channel":0,"num_words":4,"start":1747.52,"end":1748.98},{"sentences":[{"text":"Oh.","start":1748.695,"end":1749.195,"sentiment":"neutral","sentiment_score":0.035051897168159485}],"sentiment":"neutral","sentiment_score":0.035051897168159485,"channel":1,"num_words":1,"start":1748.695,"end":1749.195},{"sentences":[{"text":"to you're at.","start":1749.2,"end":1750.24,"sentiment":"neutral","sentiment_score":0.017923460341989994},{"text":"Sorry.","start":1750.24,"end":1750.74,"sentiment":"neutral","sentiment_score":-0.039833538234233856}],"sentiment":"neutral","sentiment_score":0.0034842106979340315,"channel":0,"num_words":4,"start":1749.2,"end":1750.74},{"sentences":[{"text":"Oh, oh, I forgot what I 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intent.","start":1766.84,"end":1774.7,"sentiment":"neutral","sentiment_score":0.0376031898746365},{"text":"This year, financial year, it's 32,500.","start":1775.0,"end":1778.38,"sentiment":"neutral","sentiment_score":0.03093685582280159},{"text":"However, they also have what's called the carry forward, which means if you've not put in up the cap over the last five years and","start":1778.6,"end":1786.685,"sentiment":"neutral","sentiment_score":0.020552668496966364}],"sentiment":"neutral","sentiment_score":0.028277969099581243,"channel":0,"num_words":50,"start":1766.84,"end":1786.685},{"sentences":[{"text":"Yeah.","start":1786.5199,"end":1787.0199,"sentiment":"neutral","sentiment_score":0.05174976959824562}],"sentiment":"neutral","sentiment_score":0.05174976959824562,"channel":1,"num_words":1,"start":1786.5199,"end":1787.0199},{"sentences":[{"text":"your super balance is under 500,000 as at June 30 last year so at 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as quickly as possible.","start":1834.77,"end":1843.245,"sentiment":"positive","sentiment_score":0.3628630628188451},{"text":"The banks make quite a bit of money off our mortgages.","start":1843.245,"end":1846.065,"sentiment":"neutral","sentiment_score":-0.02256301079284061}],"sentiment":"neutral","sentiment_score":0.25945606745961236,"channel":0,"num_words":41,"start":1834.77,"end":1846.065},{"sentences":[{"text":"Yeah.","start":1847.3651,"end":1847.6051,"sentiment":"neutral","sentiment_score":0.032091788947582245},{"text":"So it's it's still for me, I mean, I might when I when I get a business, I might do it to try and reduce my 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get hold and I can't use it, then it's it's almost useless money to me.","start":1857.685,"end":1862.0,"sentiment":"negative","sentiment_score":-0.5628315707047781},{"text":"You know what I mean?","start":1862.0,"end":1862.72,"sentiment":"neutral","sentiment_score":-0.32487826943397524},{"text":"Like, it's","start":1862.72,"end":1863.46,"sentiment":"neutral","sentiment_score":-0.1766885593533516}],"sentiment":"negative","sentiment_score":-0.4927582660956042,"channel":1,"num_words":28,"start":1857.685,"end":1863.46},{"sentences":[{"text":"Yeah.","start":1863.42,"end":1863.795,"sentiment":"neutral","sentiment_score":-0.18964478373527527}],"sentiment":"neutral","sentiment_score":-0.18964478373527527,"channel":0,"num_words":1,"start":1863.42,"end":1863.795},{"sentences":[{"text":"almost it they've made the super and that's what Pauline Hanson said.","start":1864.16,"end":1867.84,"sentiment":"neutral","sentiment_score":-0.28351786732673645},{"text":"You 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do.","start":1882.0901,"end":1894.75,"sentiment":"neutral","sentiment_score":-0.013826837546603625}],"sentiment":"neutral","sentiment_score":-0.013826837546603625,"channel":0,"num_words":43,"start":1882.0901,"end":1894.75},{"sentences":[{"text":"Alright.","start":1894.8099,"end":1895.21,"sentiment":"neutral","sentiment_score":0.02095656096935272},{"text":"60","start":1895.21,"end":1895.69,"sentiment":"neutral","sentiment_score":0.02330063469707966}],"sentiment":"neutral","sentiment_score":0.02212859783321619,"channel":1,"num_words":2,"start":1894.8099,"end":1895.69},{"sentences":[{"text":"Alternatively","start":1895.665,"end":1896.165,"sentiment":"neutral","sentiment_score":0.014395204372704027}],"sentiment":"neutral","sentiment_score":0.014395204372704027,"channel":0,"num_words":1,"start":1895.665,"end":1896.165},{"sentences":[{"text":"also with 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know.","start":2493.0452,"end":2499.94,"sentiment":"neutral","sentiment_score":-0.006673909767414443},{"text":"I","start":2499.94,"end":2500.02,"sentiment":"neutral","sentiment_score":-0.01401122845709324}],"sentiment":"neutral","sentiment_score":-0.012334782012697795,"channel":1,"num_words":23,"start":2488.405,"end":2500.02},{"sentences":[{"text":"Yep.","start":2500.0,"end":2500.5,"sentiment":"neutral","sentiment_score":-0.020744044333696365}],"sentiment":"neutral","sentiment_score":-0.020744044333696365,"channel":0,"num_words":1,"start":2500.0,"end":2500.5},{"sentences":[{"text":"don't know what the hell is gonna happen with Trump.","start":2500.02,"end":2502.6,"sentiment":"neutral","sentiment_score":-0.1949753537774086}],"sentiment":"neutral","sentiment_score":-0.1949753537774086,"channel":1,"num_words":10,"start":2500.02,"end":2502.6},{"sentences":[{"text":"No.","start":2503.2002,"end":2503.6802,"sentiment":"neutral","sentiment_score":-0.08719177544116974},{"text":"Do you think you 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what options you have moving forward?","start":2513.495,"end":2516.375,"sentiment":"neutral","sentiment_score":0.05750934332609177},{"text":"Does that sound like something that you might be open to doing, or do you think you'd just be more concerned about","start":2516.375,"end":2521.47,"sentiment":"neutral","sentiment_score":-0.02894046352329579}],"sentiment":"neutral","sentiment_score":-0.0019248988828621805,"channel":0,"num_words":32,"start":2513.495,"end":2521.47},{"sentences":[{"text":"Probably more concerned about it.","start":2525.405,"end":2527.345,"sentiment":"neutral","sentiment_score":-0.13815710693597794}],"sentiment":"neutral","sentiment_score":-0.13815710693597794,"channel":1,"num_words":5,"start":2525.405,"end":2527.345},{"sentences":[{"text":"it?","start":2527.55,"end":2527.71,"sentiment":"neutral","sentiment_score":-0.01974913850426674},{"text":"Yep.","start":2527.71,"end":2528.03,"sentiment":"neutral","sentiment_score":0.04398713260889053},{"text":"Yep.","start":2528.03,"end":2528.27,"sentiment":"neutral","sentiment_score":0.07400725781917572},{"text":"That's okay.","start":2528.27,"end":2529.09,"sentiment":"neutral","sentiment_score":0.23947755992412567},{"text":"I've noted here that we're looking to try and get the best return we possibly can.","start":2530.43,"end":2534.19,"sentiment":"neutral","sentiment_score":0.22938659880310297}],"sentiment":"neutral","sentiment_score":0.20225647393436658,"channel":0,"num_words":21,"start":2527.55,"end":2534.19},{"sentences":[{"text":"And in the past, you've mentioned that you've sort of seen your sleep and not doing so well.","start":2534.19,"end":2538.625,"sentiment":"neutral","sentiment_score":-0.11716854799952772},{"text":"If you thought whenever you see your super full, how do you think you're feeling about that?","start":2539.0051,"end":2544.125,"sentiment":"neutral","sentiment_score":0.007889463949729414},{"text":"Are you optimistic about the investment opportunities?","start":2544.125,"end":2546.4053,"sentiment":"neutral","sentiment_score":0.09310726927859443},{"text":"A bit cautious, concerned, or anxious?","start":2546.4053,"end":2548.385,"sentiment":"neutral","sentiment_score":-0.24499619752168655},{"text":"How do you sort of feel or do you","start":2548.685,"end":2550.32,"sentiment":"neutral","sentiment_score":-0.18261096874872842}],"sentiment":"neutral","sentiment_score":-0.07783575431165989,"channel":0,"num_words":57,"start":2534.19,"end":2550.32},{"sentences":[{"text":"Anxious?","start":2550.2651,"end":2550.7651,"sentiment":"negative","sentiment_score":-0.3623429238796234}],"sentiment":"negative","sentiment_score":-0.3623429238796234,"channel":1,"num_words":1,"start":2550.2651,"end":2550.7651},{"sentences":[{"text":"think you feel when you see you're super 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more just a reflection of what people are willing to pay for that.","start":2595.095,"end":2598.475,"sentiment":"neutral","sentiment_score":0.08409664646855422}],"sentiment":"neutral","sentiment_score":0.04596111762026946,"channel":0,"num_words":75,"start":2576.4749,"end":2598.475},{"sentences":[{"text":"And markets go up and down for a myriad of reasons.","start":2598.935,"end":2601.995,"sentiment":"neutral","sentiment_score":-0.2548952163620429},{"text":"Essentially, it","start":2602.055,"end":2602.615,"sentiment":"neutral","sentiment_score":-0.05948778614401817}],"sentiment":"neutral","sentiment_score":-0.22483253479003906,"channel":0,"num_words":13,"start":2598.935,"end":2602.615},{"sentences":[{"text":"Yeah.","start":2602.595,"end":2603.095,"sentiment":"neutral","sentiment_score":-0.08195752650499344}],"sentiment":"neutral","sentiment_score":-0.08195752650499344,"channel":1,"num_words":1,"start":2602.595,"end":2603.095},{"sentences":[{"text":"could just be that people are at the end of the financial year trying to take profits out of their investments at tax time.","start":2602.615,"end":2609.77,"sentiment":"neutral","sentiment_score":-0.2209426254654924},{"text":"In December, we tend to see a lot of those sorts of sell offs because, you know, The US tax year has finished up, so sometimes we see that.","start":2610.31,"end":2618.01,"sentiment":"neutral","sentiment_score":-0.2265010630262309},{"text":"Our financial year, we see the same thing.","start":2618.63,"end":2620.63,"sentiment":"neutral","sentiment_score":-0.09891127794981003},{"text":"We tend to see markets take a little bit of a dip around about the end of June where people might be selling off for profits.","start":2620.63,"end":2626.215,"sentiment":"neutral","sentiment_score":-0.2328514399436804},{"text":"It might also just be like we saw in April this 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okay.","start":2665.82,"end":2667.6802,"sentiment":"neutral","sentiment_score":0.23078329861164093},{"text":"And when we're looking at those sorts of things, like, no one likes to see the balance go down, but we wanna make sure you're in a portfolio that if you saw that 20% dip this year or next year, that you're not gonna make a decision to sell out of the portfolio, that you're able to sit and wait and let that portfolio come 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market.","start":2702.86,"end":2713.765,"sentiment":"neutral","sentiment_score":0.15939033524163307},{"text":"So it's one of the important things.","start":2713.825,"end":2716.065,"sentiment":"neutral","sentiment_score":0.2693013995885849},{"text":"And when we talk about risk, it's about making sure that you're in those portfolio, that you're comfortable with the ups and downs.","start":2716.065,"end":2721.8599,"sentiment":"neutral","sentiment_score":0.0495130002255673},{"text":"And when you're not, that we maybe pull back that risk level.","start":2722.24,"end":2725.54,"sentiment":"neutral","sentiment_score":-0.06432339052359264},{"text":"However, taking less risk in the market may means that we are also expecting lower rates of return.","start":2725.92,"end":2731.905,"sentiment":"neutral","sentiment_score":0.019386017902029887}],"sentiment":"neutral","sentiment_score":0.08287996517310103,"channel":0,"num_words":91,"start":2702.86,"end":2731.905},{"sentences":[{"text":"So it's kind of a juggling act.","start":2732.225,"end":2734.165,"sentiment":"neutral","sentiment_score":0.01315179214413677},{"text":"Are you wanting to are you comfortable taking on a bit more risk now knowing that you're gonna there is the risk of a downtime, but you're not gonna access the money in that downtime?","start":2734.225,"end":2743.685,"sentiment":"neutral","sentiment_score":-0.07184467592409678},{"text":"You've got you've got time on your side to wade through that and wait for your portfolio to recover prior to taking any money out or 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clarify?","start":2754.5999,"end":2755.5,"sentiment":"neutral","sentiment_score":0.023609469334284466}],"sentiment":"neutral","sentiment_score":0.005834372093280156,"channel":0,"num_words":12,"start":2752.1199,"end":2755.5},{"sentences":[{"text":"Yeah.","start":2755.315,"end":2755.815,"sentiment":"neutral","sentiment_score":0.13103921711444855}],"sentiment":"neutral","sentiment_score":0.13103921711444855,"channel":1,"num_words":1,"start":2755.315,"end":2755.815},{"sentences":[{"text":"Yeah.","start":2756.44,"end":2756.94,"sentiment":"neutral","sentiment_score":0.1822895109653473},{"text":"So risk isn't always a bad thing.","start":2757.64,"end":2758.9377,"sentiment":"neutral","sentiment_score":0.15763512892382486},{"text":"You want good returns to take a little bit more risk to do so, but it's gotta be within a certain comfort level for you as well.","start":2758.9377,"end":2766.5051,"sentiment":"neutral","sentiment_score":0.3117229292790095},{"text":"So I'd be happy to keep you in 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okay.","start":3466.1,"end":3466.9202,"sentiment":"neutral","sentiment_score":0.03803348168730736},{"text":"All good.","start":3466.9802,"end":3467.7202,"sentiment":"positive","sentiment_score":0.4265652000904083},{"text":"I've also got it noted here that we don't have a beneficiary nomination on file for you at the moment.","start":3468.1802,"end":3473.8,"sentiment":"neutral","sentiment_score":-0.10452132131904364},{"text":"So given your current circumstances, if you were to, say, pass away now, not having a beneficiary means that your super has no direction on where you would want that money to be paid to.","start":3473.86,"end":3484.755,"sentiment":"neutral","sentiment_score":-0.2263665286558015}],"sentiment":"neutral","sentiment_score":-0.1546958311771353,"channel":0,"num_words":60,"start":3465.78,"end":3484.755},{"sentences":[{"text":"Have you sort of thought about what would happen to your super if you were to pass away, where you want that to","start":3485.535,"end":3491.25,"sentiment":"neutral","sentiment_score":-0.1822814474935117}],"sentiment":"neutral","sentiment_score":-0.1822814474935117,"channel":0,"num_words":23,"start":3485.535,"end":3491.25},{"sentences":[{"text":"Probably to my mom.","start":3493.71,"end":3495.01,"sentiment":"neutral","sentiment_score":-0.14467499777674675}],"sentiment":"neutral","sentiment_score":-0.14467499777674675,"channel":1,"num_words":4,"start":3493.71,"end":3495.01},{"sentences":[{"text":"go.","start":3495.33,"end":3495.83,"sentiment":"neutral","sentiment_score":-0.06883251667022705},{"text":"Yep.","start":3495.89,"end":3496.39,"sentiment":"neutral","sentiment_score":0.027647806331515312},{"text":"Yep.","start":3496.53,"end":3497.03,"sentiment":"neutral","sentiment_score":0.03847214952111244},{"text":"So I've got down here with regard to the will.","start":3497.09,"end":3499.73,"sentiment":"neutral","sentiment_score":0.02001592135056853},{"text":"So as with super, there's rules around 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because I had a thought with my sister-in-law, so","start":3520.67,"end":3523.57,"sentiment":"neutral","sentiment_score":-0.06473616727938254}],"sentiment":"neutral","sentiment_score":-0.06473616727938254,"channel":1,"num_words":12,"start":3520.67,"end":3523.57},{"sentences":[{"text":"Okay.","start":3524.41,"end":3524.91,"sentiment":"neutral","sentiment_score":-0.053688328713178635}],"sentiment":"neutral","sentiment_score":-0.053688328713178635,"channel":0,"num_words":1,"start":3524.41,"end":3524.91},{"sentences":[{"text":"I don't wonder who did.","start":3525.15,"end":3526.3699,"sentiment":"neutral","sentiment_score":-0.08200346678495407}],"sentiment":"neutral","sentiment_score":-0.08200346678495407,"channel":1,"num_words":5,"start":3525.15,"end":3526.3699},{"sentences":[{"text":"Yeah.","start":3534.97,"end":3535.2898,"sentiment":"neutral","sentiment_score":0.013445552438497543},{"text":"You're 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people at 06:00 at night.","start":3916.51,"end":3919.855,"sentiment":"neutral","sentiment_score":-0.04696731902658939},{"text":"So","start":3920.0352,"end":3920.5352,"sentiment":"neutral","sentiment_score":0.02184663526713848}],"sentiment":"neutral","sentiment_score":-0.040711504999886856,"channel":1,"num_words":11,"start":3916.51,"end":3920.5352},{"sentences":[{"text":"Oh, look.","start":3920.16,"end":3920.64,"sentiment":"neutral","sentiment_score":0.03625672496855259},{"text":"Honestly, I actually do work until 06:00 most nights, and one","start":3920.64,"end":3924.2651,"sentiment":"neutral","sentiment_score":0.06569699943065643}],"sentiment":"neutral","sentiment_score":0.06116772643648661,"channel":0,"num_words":13,"start":3920.16,"end":3924.2651},{"sentences":[{"text":"yeah.","start":3924.115,"end":3924.615,"sentiment":"neutral","sentiment_score":0.0658150315284729}],"sentiment":"neutral","sentiment_score":0.0658150315284729,"channel":1,"num_words":1,"start":3924.115,"end":3924.615},{"sentences":[{"text":"one day a week, I work until seven.","start":3924.2651,"end":3926.345,"sentiment":"neutral","sentiment_score":0.05194860324263573},{"text":"So, yeah,","start":3926.345,"end":3927.385,"sentiment":"neutral","sentiment_score":0.05188503488898277}],"sentiment":"neutral","sentiment_score":0.05193588957190513,"channel":0,"num_words":10,"start":3924.2651,"end":3927.385},{"sentences":[{"text":"Oh, okay.","start":3927.075,"end":3927.8152,"sentiment":"neutral","sentiment_score":0.08048709481954575}],"sentiment":"neutral","sentiment_score":0.08048709481954575,"channel":1,"num_words":2,"start":3927.075,"end":3927.8152},{"sentences":[{"text":"I'd like to make sure that I am available because, you know, we all work hard and long hours sometimes, and life gets busy.","start":3927.385,"end":3933.705,"sentiment":"neutral","sentiment_score":0.03358823014423251},{"text":"So having me","start":3933.705,"end":3935.145,"sentiment":"neutral","sentiment_score":0.08846081544955571}],"sentiment":"neutral","sentiment_score":0.0396851840670462,"channel":0,"num_words":27,"start":3927.385,"end":3935.145},{"sentences":[{"text":"Yep.","start":3934.92,"end":3935.42,"sentiment":"neutral","sentiment_score":0.09354491531848907}],"sentiment":"neutral","sentiment_score":0.09354491531848907,"channel":1,"num_words":1,"start":3934.92,"end":3935.42},{"sentences":[{"text":"work back that late does mean that I can take reviews and be there for you later in the afternoon if it suits if you need me to be.","start":3935.145,"end":3942.04,"sentiment":"neutral","sentiment_score":0.11246397885782965},{"text":"So that's fine.","start":3942.04,"end":3943.1,"sentiment":"neutral","sentiment_score":0.1659421225388845}],"sentiment":"neutral","sentiment_score":0.11747755482792854,"channel":0,"num_words":32,"start":3935.145,"end":3943.1},{"sentences":[{"text":"Yep.","start":3942.68,"end":3943.18,"sentiment":"neutral","sentiment_score":0.1636601686477661}],"sentiment":"neutral","sentiment_score":0.1636601686477661,"channel":1,"num_words":1,"start":3942.68,"end":3943.18},{"sentences":[{"text":"Excellent.","start":3944.52,"end":3945.02,"sentiment":"positive","sentiment_score":0.4451112747192383},{"text":"All good.","start":3945.32,"end":3945.8801,"sentiment":"neutral","sentiment_score":0.255675058811903},{"text":"Well, feel free to have a look through the documents there.","start":3945.8801,"end":3947.72,"sentiment":"neutral","sentiment_score":0.23886319317600943},{"text":"Wendy, I'm happy to do so.","start":3947.72,"end":3948.92,"sentiment":"positive","sentiment_score":0.6516283253828684},{"text":"I'll get you to press the sign button or turn those back.","start":3948.92,"end":3951.1602,"sentiment":"neutral","sentiment_score":0.21808785758912563}],"sentiment":"neutral","sentiment_score":0.3159618987701833,"channel":0,"num_words":32,"start":3944.52,"end":3951.1602},{"sentences":[{"text":"And if you have any questions, please let me know.","start":3951.1602,"end":3953.885,"sentiment":"neutral","sentiment_score":0.1878415450453758}],"sentiment":"neutral","sentiment_score":0.1878415450453758,"channel":0,"num_words":10,"start":3951.1602,"end":3953.885},{"sentences":[{"text":"No worries.","start":3954.855,"end":3955.335,"sentiment":"neutral","sentiment_score":0.2912197783589363},{"text":"Thanks, Diana.","start":3955.335,"end":3956.1548,"sentiment":"positive","sentiment_score":0.5631482005119324}],"sentiment":"positive","sentiment_score":0.42718398943543434,"channel":1,"num_words":4,"start":3954.855,"end":3956.1548},{"sentences":[{"text":"Okay?","start":3955.865,"end":3956.365,"sentiment":"positive","sentiment_score":0.3824729323387146},{"text":"No worries.","start":3956.5051,"end":3957.145,"sentiment":"positive","sentiment_score":0.3833523690700531},{"text":"You have a good afternoon.","start":3957.145,"end":3958.525,"sentiment":"positive","sentiment_score":0.6532772064208985},{"text":"I'll let you go to call your mom.","start":3958.665,"end":3959.945,"sentiment":"positive","sentiment_score":0.5155091062188148},{"text":"You have a great one.","start":3959.945,"end":3960.825,"sentiment":"positive","sentiment_score":0.790269422531128}],"sentiment":"positive","sentiment_score":0.5948087459518796,"channel":0,"num_words":21,"start":3955.865,"end":3960.825},{"sentences":[{"text":"Yep.","start":3960.79,"end":3961.29,"sentiment":"positive","sentiment_score":0.48837265372276306}],"sentiment":"positive","sentiment_score":0.48837265372276306,"channel":1,"num_words":1,"start":3960.79,"end":3961.29},{"sentences":[{"text":"Thanks for your time, Peter.","start":3960.825,"end":3962.105,"sentiment":"positive","sentiment_score":0.7910767316818237},{"text":"Appreciate it.","start":3962.105,"end":3963.085,"sentiment":"positive","sentiment_score":0.8214468657970428}],"sentiment":"positive","sentiment_score":0.7997539128576007,"channel":0,"num_words":7,"start":3960.825,"end":3963.085},{"sentences":[{"text":"Thanks, Tom.","start":3963.27,"end":3963.83,"sentiment":"positive","sentiment_score":0.7368671298027039},{"text":"Thank you.","start":3963.83,"end":3964.57,"sentiment":"positive","sentiment_score":0.740192323923111}],"sentiment":"positive","sentiment_score":0.7385297268629074,"channel":1,"num_words":4,"start":3963.27,"end":3964.57},{"sentences":[{"text":"Thanks.","start":3964.5051,"end":3964.905,"sentiment":"positive","sentiment_score":0.6611347198486328}],"sentiment":"positive","sentiment_score":0.6611347198486328,"channel":0,"num_words":1,"start":3964.5051,"end":3964.905},{"sentences":[{"text":"Bye.","start":3964.63,"end":3965.13,"sentiment":"positive","sentiment_score":0.4754680097103119}],"sentiment":"positive","sentiment_score":0.4754680097103119,"channel":1,"num_words":1,"start":3964.63,"end":3965.13},{"sentences":[{"text":"See you later.","start":3964.905,"end":3965.705,"sentiment":"positive","sentiment_score":0.48002001643180847},{"text":"Bye.","start":3965.705,"end":3966.205,"sentiment":"neutral","sentiment_score":-0.12045986950397491}],"sentiment":"neutral","sentiment_score":0.3299000449478626,"channel":0,"num_words":4,"start":3964.905,"end":3966.205}]},"summary":{"result":"success","short":"OQ Financial and OQ Financial discuss annual reviews and potential risks of losing home equity, while emphasizing the benefits of owning a super and boosting their portfolio, including investing in crypt and building on the stock market. The success of a growth investor and the potential for delivery issues during the holiday season is also discussed. The customer discusses their work schedule and financial situation with the agent, including needing a will and beneficiary information, beneficiary nominations, and ongoing services. The process for nominating beneficiaries is explained, including fees for current balances and fees for current balances. The agent emphasizes the importance of the current balance and ongoing service agreements, provides information on fees, and advises the customer to fill out necessary forms and review information in a review packet."},"intents":{"segments":[{"text":"Had you booked in to go through your annual Yep. review. Is now Yep. still a good time there for you? Yep. Fantastic.","start_word":52,"end_word":74,"intents":[{"intent":"Confirm attendance","confidence_score":0.0010353825}]},{"text":"And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file. Peter Ellen Grant.","start_word":108,"end_word":140,"intents":[{"intent":"Check security check","confidence_score":0.024238342}]},{"text":"Peter, when we go through your annual review, we normally do send through some documents via email for you to be able to review as well. Are you able to log in to your emails? If you can't, that's honestly fine. Oh, yeah.","start_word":205,"end_word":247,"intents":[{"intent":"Send emails","confidence_score":0.00088671263}]},{"text":"what's what's to self manage your super fund, how much do you have to have in it? Is it 250,000?","start_word":468,"end_word":487,"intents":[{"intent":"Educate about self-management strategies","confidence_score":0.000030337369}]},{"text":"The main the main sort of purpose is it's meant to be super is meant to be providing an income stream in retirement or to sort of help you alleviate utilizing the, the public system.","start_word":859,"end_word":893,"intents":[{"intent":"Provide income stream","confidence_score":0.090010725}]},{"text":"I'd like Yeah. to do. I just because That's I'll I'll your never goal. retire in Australia.","start_word":963,"end_word":979,"intents":[{"intent":"Determine retirement goals","confidence_score":0.009480597}]},{"text":"So because your balance is what it is at the moment, I'm just having a quick look at the documents I have here. So balance as of today oh, sorry. I'm looking at the wrong document. Doesn't wanna work for me. That's okay. So sitting in super at the moment, your balance is a little over that 100 and where are we?","start_word":1102,"end_word":1163,"intents":[{"intent":"Discuss balance and future plans","confidence_score":0.0063197217}]},{"text":"I And, might I as well mean, we just throw it all in a Bitcoin. Just go have all in on Bitcoin on it. yeah.","start_word":1314,"end_word":1338,"intents":[{"intent":"Discuss the importance of bitcoin in the world","confidence_score":0.00008203928}]},{"text":"Because I still don't even understand how it's worth anything. But, you know, it's like as soon as I bought a house, I've I've only been here three years and what housing prices are going down there.","start_word":1438,"end_word":1474,"intents":[{"intent":"Analyze housing prices","confidence_score":0.09117796}]},{"text":"So your super overall, since coming on board with us, since inception in 2020, you have made money. You are definitely up a little over 7.34%. So you have definitely come on board and made money in that time frame. But in this year, we have seen a lot of ups and downs with the market as a whole. Yeah.","start_word":1754,"end_word":1813,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.7605343}]},{"text":"Your portfolio hasn't obviously performed as well as we would have hoped, but it is important to sort of keep looking forward and moving and building on that and compounding.","start_word":2198,"end_word":2227,"intents":[{"intent":"Examine portfolio performance","confidence_score":0.0050947634}]},{"text":"Are you sort of hoping to be able to maybe down the track use some of your super when you retire or when you get old enough to maybe look at retiring to sort of help pay down the loan, or are you sort of just wanting to keep your super as an income stream knowing you may need to draw down more in retirement to cover the mortgage or payments if you still have the mortgage to that time frame?","start_word":2991,"end_word":3071,"intents":[{"intent":"Educate on possible income options","confidence_score":3.4606938e-8}]},{"text":"doing that just because I've got a few I've got a few collectible cars, probably Yep. probably about a $150 worth of collectible cars. And Yeah.","start_word":3157,"end_word":3182,"intents":[{"intent":"Sell collectible cars against mortgage","confidence_score":0.0018128569}]},{"text":"I thought about just selling all them, and I've got a few old rifles. They're not worth much, but and but just selling everything and just put it all against my mortgage and then refinancing the mortgage so the repayments are right like because at the moment, I couldn't rent this place out. It wouldn't even cover it wouldn't even cover the strata and that.","start_word":3183,"end_word":3247,"intents":[{"intent":"Sell old rifles","confidence_score":0.045218494}]},{"text":"Didn't that change a good location?","start_word":3281,"end_word":3286,"intents":[{"intent":"Offer new location","confidence_score":0.00014745072}]},{"text":"And another option might be if they look at the loan that you have and the rate that you're on and maybe reassess your circumstances, they might be able to refinance to a lower rate and also look at ways to help you pay the mortgage down faster.","start_word":3808,"end_word":3855,"intents":[{"intent":"Revalue loan","confidence_score":0.0010174135}]},{"text":"We can refer you through to a mortgage broker to assess that I'll that is I'll I'll have at no cost a I'll to yourself. have a look So at I'll have a look at what they're charging me, and then I'll I'll do a quick look myself and see if it's yeah. Absolutely. Absolutely.","start_word":3955,"end_word":4009,"intents":[{"intent":"Assess loan performance","confidence_score":0.006150588}]},{"text":"So because we have made that switch within your super fund there, I would like to sort of just maybe do a bit of a review on your performance in the next, say, you know, three to six months just to sort of see if there's any new advice down the track to sort of look at.","start_word":4015,"end_word":4071,"intents":[{"intent":"Start reviewing review","confidence_score":0.000031650434}]},{"text":"The other thing I wanted to sort of touch base on is the contribution side of things.","start_word":4072,"end_word":4088,"intents":[{"intent":"Touch base on contribution","confidence_score":0.10480371}]},{"text":"What I'd like to maybe do is just keep watching things over the next week. Do you want me to do a catch up in maybe three months or six months with you to see how these changes that we've made are performing and see if there's any new advice down the track to sort of provide? Would you Yes.","start_word":4438,"end_word":4497,"intents":[{"intent":"Check changes","confidence_score":0.00019794969}]},{"text":"The super fund then deducts 15% tax out of that contribution, and you can take that 10,000 back to your account and and claim that as a tax deduction on the year's income.","start_word":4644,"end_word":4676,"intents":[{"intent":"Advise on tax deduction deduction","confidence_score":0.0000071094673}]},{"text":"I can also give you personal advice and provide an advice document that recommends doing so and the benefits, the advantages, disadvantages, and risks of doing that to make it easier on you so you can Well, see it see, all.","start_word":4736,"end_word":4776,"intents":[{"intent":"Provide advice on tax deduction deduction","confidence_score":0.010519621}]},{"text":"Next, you Not know, you you you should be able to use your super as equity, but you can't.","start_word":4827,"end_word":4845,"intents":[{"intent":"Give advice on using super as an asset","confidence_score":0.0002727793}]},{"text":"So if you dump $20 in tomorrow, the money gets invested, the market drops, so that is gonna reflect. What you could then also be doing is doing it on a regular basis. So putting smaller amounts of money in on a more regular basis, doing the exact same thing. It comes out of your bank account and into the super fund.","start_word":4925,"end_word":4986,"intents":[{"intent":"Discuss money options","confidence_score":0.0000634238}]},{"text":"The main difference is in the way I sort of work with a lot of my clients is if they're not great with money, if they find having large sums of money in the offset is easily accessible and they're more likely to use it, then putting it on the loan is a better scenario.","start_word":5251,"end_word":5305,"intents":[{"intent":"Optimize loan usage","confidence_score":0.008208198}]},{"text":"they both have the same effect of reducing the amount of interest that you pay.","start_word":5356,"end_word":5370,"intents":[{"intent":"Reduce loan interest","confidence_score":0.053032223}]},{"text":"But, I mean, the other side of it is putting more money into your offset account and the loan does provide a guaranteed rate of return, whereas putting it into super or investing the money, there's no guarantee on the rate of return.","start_word":5540,"end_word":5582,"intents":[{"intent":"Obtain fixed rate","confidence_score":5.3441003e-8}]},{"text":"But if you wanted to look at doing additional contributions, we can structure it so that you are putting maybe smaller amounts in regularly so long as we can kind of and I monitor things and do catch ups with you to make sure things are working harder.","start_word":5583,"end_word":5630,"intents":[{"intent":"Monitor things","confidence_score":0.80378586},{"intent":"Structure contributions","confidence_score":0.033285838}]},{"text":"But, realistically, if you're putting enough money in and you're also getting good growth on top of that and compounding it over time, you theoretically could end up with enough, if not enough, to cover the mortgage at least close to.","start_word":5632,"end_word":5672,"intents":[{"intent":"Boost super fund growth","confidence_score":0.00008490439}]},{"text":"So you could theoretically be putting in, you know, 50, 50, a 100,000 depending on what your carry forward limit is, depending on what you're comfortable with as well. They also have non concessional contributions, which at the moment, you can put up to a 130,000 in this financial year, and that's after tax free component within your super funds.","start_word":6010,"end_word":6069,"intents":[{"intent":"Offer savings","confidence_score":0.00021710062}]},{"text":"The caveat is between 60 to 65, you have to fully retire with the intention of not going back to work or reduce your hours to below ten hours per week.","start_word":6485,"end_word":6515,"intents":[{"intent":"Evaluate retirement options","confidence_score":0.036279187}]},{"text":"and I found out there's an English I think it's English or Italian, so who owned it. And I thought, I didn't I didn't think you could own businesses in time. Apparently, you can own certain types of one. Yep.","start_word":6864,"end_word":6903,"intents":[{"intent":"Explain business process","confidence_score":1.9861896e-7}]},{"text":"well, I don't know if you've ever been to Hong Kong, but Hong Kong Hong Kong is really safe because they've they've got the the mafia there. Everyone's gotta play the mafia. You And yeah.","start_word":6971,"end_word":7005,"intents":[{"intent":"Explain situation in hong kong","confidence_score":0.016415745},{"intent":"Explain situation in hong kong mafia","confidence_score":0.020115767},{"intent":"Express confusion about security","confidence_score":0.00011249332}]},{"text":"If I look at things because I do look at your super, you know, every so often and see what's happening and, you know, see what the balance is doing and what the returns look like and if something needs to be updated or changed. So if I do sort of look at that and I find there is maybe a need to make some changes, I'll definitely make contact with you and let you know in the meantime.","start_word":7365,"end_word":7443,"intents":[{"intent":"Review super investment portfolio","confidence_score":0.000025921045}]},{"text":"Now one of the things I sort of also wanted to look at was just the risk profiling.","start_word":7538,"end_word":7555,"intents":[{"intent":"Explain risk profiling","confidence_score":0.008791066}]},{"text":"This sort of portfolio happily suits someone who's not gonna access their funds for around about six years.","start_word":7663,"end_word":7680,"intents":[{"intent":"Determine portfolio eligibility","confidence_score":0.0003667129}]},{"text":"What is the likelihood of you wanting to withdraw those funds at the age of 60, or do you think you're gonna wanna probably try and keep it growing a little bit longer?","start_word":7723,"end_word":7755,"intents":[{"intent":"Evaluate retirement age","confidence_score":0.011055766},{"intent":"Evaluate retirement age","confidence_score":0.019156579}]},{"text":"I'll probably sell my house and sell all my stuff and go overseas. So you'll probably sell the house as well? Yeah.","start_word":7779,"end_word":7800,"intents":[{"intent":"Sell houses","confidence_score":0.00033165433}]},{"text":"We got some things to definitely think about over the next six months, and I'll I'll definitely sort of check-in and ask more about that when we catch up in February just to sort of see where your plans and goals might be going.","start_word":7926,"end_word":7969,"intents":[{"intent":"Check-in","confidence_score":0.0021110466}]},{"text":"I just wanted to so I'm gonna work on 60 as a bit of a baseline, which realistically, at the moment, gives us seven years. It's as of next month, we'll have about six years there.","start_word":8032,"end_word":8067,"intents":[{"intent":"Work on 60","confidence_score":0.04846189},{"intent":"Work on retirement","confidence_score":0.6281883}]},{"text":"With market ups and downs, like, we've sort of seen a lot of those at the moment, how might you be feeling if your super took a bit more of a a dive, say, dropped by 20% in the next one or two years?","start_word":8088,"end_word":8131,"intents":[{"intent":"Discuss market ups and downs","confidence_score":0.04416658},{"intent":"Reflect on market volatility","confidence_score":0.00050053623}]},{"text":"Do you think you'd be maybe taking it as an investment opportunity, putting money into the market?","start_word":8131,"end_word":8147,"intents":[{"intent":"Consider investment options","confidence_score":0.017410204}]},{"text":"How do you think you might react in that instance?","start_word":8186,"end_word":8195,"intents":[{"intent":"React to market changes","confidence_score":0.0013174838}]},{"text":"try to look at what options you have moving forward?","start_word":8270,"end_word":8279,"intents":[{"intent":"Discuss options","confidence_score":0.15434477}]},{"text":"Does that sound like something that you might be open to doing, or do you think you'd just be more concerned about Probably more concerned about it. it?","start_word":8280,"end_word":8307,"intents":[{"intent":"Address concerns about market","confidence_score":0.00047896436}]},{"text":"But then maybe we look at it in February and look at maybe adjusting the risk level a little bit if you are, you know, wanting to realistically think about selling out and and taking the funds at 60. Does that make sense? Do Yep.","start_word":9156,"end_word":9200,"intents":[{"intent":"Evaluate fund pricing","confidence_score":0.0029005033}]},{"text":"Oh, the headlands there are great for surfing. Yeah.","start_word":9838,"end_word":9846,"intents":[{"intent":"Schedule surfing vacation","confidence_score":0.0007740381}]},{"text":"I thought Probably but today was, like, five and a half hours. Yep.","start_word":10516,"end_word":10528,"intents":[{"intent":"Check schedule","confidence_score":0.00097547297}]},{"text":"I just wanted to update a few additional things for you. Now the other thing I sort of wanted to pull up was that you don't have any life, TPD, income protection, or trauma insurances. You're comfortable with that position not having any personal insurance cover? Yeah.","start_word":10938,"end_word":10984,"intents":[{"intent":"Update insurance coverage and valuation","confidence_score":0.003404895}]},{"text":"I've also got it noted here that we don't have a beneficiary nomination on file for you at the moment. So given your current circumstances, if you were to, say, pass away now, not having a beneficiary means that your super has no direction on where you would want that money to be paid to. Have you sort of thought about what would happen to your super if you were to pass away, where you want that to Probably to my mom. go.","start_word":11257,"end_word":11339,"intents":[{"intent":"Create beneficiary nomination","confidence_score":0.0032467546}]},{"text":"Now there are three types of nominations you can have for a beneficiary.","start_word":11642,"end_word":11654,"intents":[{"intent":"Create nominations","confidence_score":0.031115422}]},{"text":"I always tell people, if you have trouble sleeping one night without the FSG and not get cold in a few seconds, they are generally that boring. But it does outline everything about who we are, what we do, the services we provide there.","start_word":11975,"end_word":12018,"intents":[{"intent":"Inform about services","confidence_score":0.01682945}]},{"text":"So with your balance, we've actually updated our fee structure.","start_word":12032,"end_word":12041,"intents":[{"intent":"Update fee structure","confidence_score":0.88100296}]},{"text":"Because you're on your balance is under 200,000 at the moment, you're still on 1.65%.","start_word":12086,"end_word":12100,"intents":[{"intent":"Confirm balance","confidence_score":0.002512943}]},{"text":"The main thing is our our tiered structure or our fee used to just be the 1.65% entered. We have now worked it out to be a set dollar figure fee for you, and that means that the way it used to work is when the balance went up and down, the fee would also go up and down with it, but it meant that if your balance kept increasing, our fee kept on increasing with it.","start_word":12101,"end_word":12177,"intents":[{"intent":"Work out fee structure","confidence_score":0.15961972}]},{"text":"The idea is it gives you a lot more certainty there. And as we build your super balance up over those thresholds, the tiers do get cheaper and cheaper for you. So we wanna make sure that we're looking after and being open with everything.","start_word":12277,"end_word":12321,"intents":[{"intent":"Provide assurance","confidence_score":0.0015146998}]},{"text":"Oh, if you can put a note in there, just always call me sort of after three.","start_word":12532,"end_word":12548,"intents":[{"intent":"Schedule call","confidence_score":0.020008456}]}]},"sentiments":{"segments":[{"text":"Hello. It's Peter speaking. Hi, Peter. This is Dana from OQ Financial. How are you this afternoon? Oh, okay. Alright.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.15427058935165405},{"text":"Thanks. Oh, that's a good thing. Excellent. I had your full due to go through your annual review today.","start_word":20,"end_word":38,"sentiment":"positive","sentiment_score":0.5276700258255005},{"text":"Is now still a good Sorry? time there for you? The review. Yeah. Had you booked in to go through your annual Yep. review. Is now Yep. still a good time there for you? Yep.","start_word":39,"end_word":73,"sentiment":"neutral","sentiment_score":0.12040594220161438},{"text":"Fantastic.","start_word":74,"end_word":74,"sentiment":"positive","sentiment_score":0.5030884146690369},{"text":"Peter, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Sure.","start_word":75,"end_word":106,"sentiment":"neutral","sentiment_score":0.2614704966545105},{"text":"Fantastic.","start_word":107,"end_word":107,"sentiment":"positive","sentiment_score":0.3866557478904724},{"text":"And just to do a quick security check there for you as well, just to confirm your full name, your date of birth, and address I should have on file. Peter Ellen Grant. Twenty fourth of ninth seventy two. I'm not sure what address she got on file. Mhmm. You got 209 Fitzroy Street or No. I have a different address. 4284 River Street? Yeah. Ballina? Yeah. So it's been updated. Yeah. That's where I am at the moment. Yeah. That that's okay. So Ballina, The River Yeah. Balance. Street is your new Yep. address. Yep. Fantastic. Peter, when we go through your annual review, we normally do send through some documents via email for you to be able to review as well. Are you able to log in to your emails? If you can't, that's honestly fine. Oh, yeah. You can do that. Yeah.","start_word":108,"end_word":252,"sentiment":"neutral","sentiment_score":0.06637369841337204},{"text":"Fantastic.","start_word":253,"end_word":253,"sentiment":"positive","sentiment_score":0.4093102216720581},{"text":"I'm just gonna send these through to you. That should come through hopefully fairly quickly Yep. as if technology locks us today. There we go. It's told me it's sent successfully. Just let me know if they come through. If they don't come through to your inbox fairly shortly, just also double check your junk mail. Sometimes we get directed through to your junk. That happens. Yeah. That's the one.","start_word":254,"end_word":323,"sentiment":"neutral","sentiment_score":0.10471667349338531},{"text":"Fantastic.","start_word":324,"end_word":324,"sentiment":"positive","sentiment_score":0.3774116635322571},{"text":"Excellent. And are you working today, or did you get today off? No. I've finished already. Oh, fantastic. Well, Fantastic. You start early, but Yeah. So you basically because you're you're doing a milk run. Is that right? You're self oh, employed? I've I've sold the milk run. I'm looking to buy another business. I'm just Okay.","start_word":325,"end_word":381,"sentiment":"neutral","sentiment_score":0.013795224851683566},{"text":"I'm What just is doing parcel deliveries for Australia Post, but it's pretty shit. okay. Pretty dismal. You can't live Yeah.","start_word":382,"end_word":402,"sentiment":"negative","sentiment_score":-0.4187338650226593},{"text":"on it. No. Understandable.","start_word":403,"end_word":406,"sentiment":"neutral","sentiment_score":-0.22439387440681455},{"text":"I had someone a friend a few years ago try to do something very similar to that, and he said it wasn't very viable as an income stream, especially when you're looking after a family, unfortunately.","start_word":407,"end_word":442,"sentiment":"negative","sentiment_score":-0.34310218691825867},{"text":"Yeah.","start_word":443,"end_word":443,"sentiment":"neutral","sentiment_score":-0.19945088028907776},{"text":"You need to deliver about 500 parcels a day in a year to make it worse for any year.","start_word":444,"end_word":462,"sentiment":"negative","sentiment_score":-0.3746245205402374},{"text":"Yeah. That's So all good. what's what's to self manage your super fund, how much do you have to have in it? Is it 250,000? They generally say that you should have no less than sort of 250 to 300,000, but it also depends on what you're sort of wanting to do. So with the South Bend Superfund years ago, they most people didn't have them, so they could hold real property, like, purchase a and hold that within the fund there. Yep.","start_word":463,"end_word":545,"sentiment":"neutral","sentiment_score":-0.01456881407648325},{"text":"Unfortunately, in recent weeks, as of the August 10 this year, there has been a caveat that we're no longer able to borrow inside like, borrow from a lender inside of South Superfund to hold residential property.","start_word":546,"end_word":582,"sentiment":"negative","sentiment_score":-0.43964144587516785},{"text":"You're only able to do so for commercial property. What's the main sort of reason around you wanting to look at this the SMSF side of things? What Oh, what's because your I just thinking?","start_word":583,"end_word":617,"sentiment":"neutral","sentiment_score":-0.18439744412899017},{"text":"thought about instead of buying a business, I thought about just dumping it into my super and then seeing if I can buy put that against my mortgage and then get my mortgage redone so I'm not paying off as much.","start_word":618,"end_word":658,"sentiment":"negative","sentiment_score":-0.3485119938850403},{"text":"Yeah. That I guess that's a great great way of thinking.","start_word":659,"end_word":669,"sentiment":"neutral","sentiment_score":-0.05486780405044556},{"text":"Unfortunately, because it's your own personal mortgage, it goes against the rules around the self managed super fund. So in in an SMSF, other rules around an investment needs to be it's at an arm's length transaction.","start_word":670,"end_word":706,"sentiment":"negative","sentiment_score":-0.4802004396915436},{"text":"So Yeah. it means So it's to be it's always it it needs cheaper. So you can you can have a $100,100 and $50 in the soup yeah. and and be homeless. Yep.","start_word":707,"end_word":739,"sentiment":"neutral","sentiment_score":-0.004414958406634854},{"text":"This is why our country I sucks, mate. It's so stupid.","start_word":740,"end_word":750,"sentiment":"negative","sentiment_score":-0.6639904379844666},{"text":"Yeah.","start_word":751,"end_word":751,"sentiment":"neutral","sentiment_score":-0.30372869968414307},{"text":"They've I they've know. they've I ruined soup.","start_word":752,"end_word":759,"sentiment":"negative","sentiment_score":-0.5041493773460388},{"text":"I I never made any Yeah. money off soup prices until I went over to you guys. I don't know what's Yeah. done this year, but Yeah.","start_word":760,"end_word":786,"sentiment":"neutral","sentiment_score":-0.20819421112537384},{"text":"No. Completely understandable. It it does sort of defeat the purpose of sort of having it, and it it isn't a great rule.","start_word":787,"end_word":809,"sentiment":"negative","sentiment_score":-0.5580592751502991},{"text":"I get fully get that. The main oh. sort of the caveat there is that super step for a sole purpose reason of providing for your retirement. So they have these rules But around that's that. what a But house that's what a house does as well. yeah. Yeah. The main the main sort of purpose is it's meant to be super is meant to be providing an income stream in retirement or to sort of help you alleviate utilizing the, the public system. Whereas having a mortgage technically puts a roof over your head, but it doesn't provide for income there. But So I but can understand but both if both you if you if sides. you if you own if you own a house and lived overseas, Mhmm. you Yeah. could easily live off the rent of the house in, like, Oh, The Philippines or absolutely. something. Yeah? That's what Yeah. I'd like Yeah. to do. I just because That's I'll I'll your never goal. retire in Australia. I won't Yeah. I'll I'll die before I get to 67 or whatever they make it for. It'll be 75 as of by the time I get there.","start_word":810,"end_word":1007,"sentiment":"neutral","sentiment_score":-0.04244091361761093},{"text":"Well, I And definitely would like to not see that happen. it's not no. It's not I'll I'll never be able to retire.","start_word":1008,"end_word":1030,"sentiment":"negative","sentiment_score":-0.4140981137752533},{"text":"You you can see how much I've got in there.","start_word":1031,"end_word":1040,"sentiment":"neutral","sentiment_score":-0.035816606134176254},{"text":"There's nothing. I'll never be able to retire on that. That's, yeah, That's not that is even definitely that's not something even a year's wage.","start_word":1041,"end_word":1065,"sentiment":"negative","sentiment_score":-0.4202915012836456},{"text":"yeah. And, look, that is definitely something I wanted to talk to you about because, realistically, kind of given past data, at your agent stage, realistically, we should see about 250,000 sitting in through for that. So because your balance is what it is at the moment, I'm just having a quick look at the documents I have here. So balance as of today oh, sorry. I'm looking at the wrong document.","start_word":1066,"end_word":1137,"sentiment":"neutral","sentiment_score":-0.05150304362177849},{"text":"Doesn't wanna work for me.","start_word":1138,"end_word":1142,"sentiment":"negative","sentiment_score":-0.35141101479530334},{"text":"That's okay. So sitting in super at the moment, your balance is a little over that 100 and where are we? A Up to 125,847 at the moment. So 100 it is and a 125? yeah. Yeah. So it hasn't even got back to where it was on the first year. The first year, I think, was a 128. Then Yeah. I'm just having a this look at this the is advice Trump.","start_word":1143,"end_word":1215,"sentiment":"neutral","sentiment_score":-0.06273441016674042},{"text":"document This is all these for boomers you. just ruining this world. Between Trump and Putin and wish I'd all hurry up and die. It's No. understandable. Seriously, they've they've ruined the the world. So between all the old farts, the bloody Albanese and Trump and Putin, they destroyed the place.","start_word":1216,"end_word":1266,"sentiment":"negative","sentiment_score":-0.5473039150238037},{"text":"Anyhow, so only a 125. See, that's not even I was earning more than that a year when I had my business. I was earning about 140 a year. Yeah. Yeah. So it's not it's not even a year's wait. See you. Yeah. It's like No. Yeah. I And, might I as well mean, we just throw it all in a Bitcoin. Just go have all in on Bitcoin on it. yeah.","start_word":1267,"end_word":1338,"sentiment":"neutral","sentiment_score":-0.16088154911994934},{"text":"I I honestly wouldn't probably do that just because it is very risky, and the the crypto world doesn't actually close. So you are taking a lot more risk to do that, and Bitcoin Yeah. itself is down pretty heavily at the moment.","start_word":1339,"end_word":1381,"sentiment":"negative","sentiment_score":-0.4879743158817291},{"text":"Like, it might be up for the week or the the month, but overall, it has been quite heavy dips in I'm the past I'm sure year. I'm sure So I'd I'm be sure more as concerned. soon as I invest in it soon as I invest in it, it'll you'll go to worth nothing. Yeah.","start_word":1382,"end_word":1437,"sentiment":"neutral","sentiment_score":-0.11809632182121275},{"text":"Because I still don't even understand how it's worth anything.","start_word":1438,"end_word":1447,"sentiment":"negative","sentiment_score":-0.360832154750824},{"text":"But, you know, it's like as soon as I bought a house, I've I've only been here three years and what housing prices are going down there. Yeah. They are And at the moment. and and and Yeah. interest rates have gone up 14 times since I bought a house. Soon as I buy Mhmm. a house, it just went up Yeah. every time. It went down it went down twice, but it's been 14 rises. Yeah. And Yeah. just just this whole system, how we we try to curb inflation by by destroying people's mortgages and increase rent and that, that doesn't affect my parents. My parents own all their houses. Yeah? Yeah. It doesn't affect Yeah. them at all. Yeah? All the all all the you go look at all the cafes. All the cafes are still full of boomers. All all parts of them.","start_word":1448,"end_word":1594,"sentiment":"neutral","sentiment_score":-0.15029452741146088},{"text":"No one else can afford to live. The the whole system the whole financial system is is stupid.","start_word":1595,"end_word":1612,"sentiment":"negative","sentiment_score":-0.5938934683799744},{"text":"Yeah. Yeah. Who was it, buddy? What's his name? Chasing thought they did. That's Yeah.","start_word":1613,"end_word":1627,"sentiment":"neutral","sentiment_score":-0.10342138260602952},{"text":"another stupid system. It doesn't work.","start_word":1628,"end_word":1633,"sentiment":"negative","sentiment_score":-0.3901337087154389},{"text":"It's Yeah. the Yeah. same. It's stupid.","start_word":1634,"end_word":1640,"sentiment":"neutral","sentiment_score":-0.18150964379310608},{"text":"I'm They the Liberals ruined super.","start_word":1641,"end_word":1646,"sentiment":"negative","sentiment_score":-0.40481290221214294},{"text":"But then here. that's all good. No. I completely understand what you're saying. I think the main thing I would like to be able to help you do is try and build on your super as much as possible. Obviously, you wanted to sort of look at that SMS of self made super fund route. It doesn't quite work for what you're after. And I know you are sort of in between jobs at the moment. I would definitely like to try to help you to boost super as much as possible. We have seen a lot of ups and downs in the market this year.","start_word":1647,"end_word":1752,"sentiment":"neutral","sentiment_score":-0.030170833691954613},{"text":"So your super overall, since coming on board with us, since inception in 2020, you have made money. You are definitely up a little over 7.34%. So you have definitely come on board and made money in that time frame.","start_word":1753,"end_word":1792,"sentiment":"positive","sentiment_score":0.5802858471870422},{"text":"But in this year, we have seen a lot of ups and downs with the market as a whole. Yeah. For the So for the Trump? yeah. He's Correct. an idiot. Correct. Yeah. I mean, Correct. I would agree with some of the things he does, but I mean. Yeah. No. I completely understand. And, I mean, we've had a bit of a look now. I just wanted to find out as well. In the last three months over the last twelve months, we have seen a lot of ups and downs that your portfolio was working quite nicely towards sort of the early the part of this year. Then around April, we did see a bit of a different account. It fell a little over 1% there. But in the last sort of three months, we've seen it come back and obtain about a 6% gain. So we have sort of seen a bit of a recovery point there. The other thing that we did notice and we did do, we would've sent an email to you around about March this year. Do you remember seeing that email in your inbox at all? No. That's okay. Within your portfolio, we had we had an investment called Ben along Australian Equities. Now that is an actively managed managed fund. The idea of that investment is the managed the fund manager within Benelong is trying to outperform against the market and trying to actively manage their portfolio. They haven't been able to do so. So along with what's been happening globally, that was underperforming a little bit as well. So we also looked and removed that from your portfolio, and we actually replaced it with the beta shares Aussie 200. So been along generally held about 15 to 25 different investments there. The a 200 is a much cheaper investment. It's also giving you greater diversification because it's tracking the top 200 companies on the ASX, and it's also cheaper because it's not an actively managed investment. It's more of a passively managed investment, so it tracks the market. And when we kind of look at history, while there are times where active managers can outperform against the market, people who trade tend to not perform over the longer term.","start_word":1793,"end_word":2171,"sentiment":"neutral","sentiment_score":-0.021447627576643057},{"text":"So being in more of a passive portfolio can definitely provide you with greater returns there.","start_word":2172,"end_word":2187,"sentiment":"positive","sentiment_score":0.4947632849216461},{"text":"So it has been a very up and down year. Your portfolio hasn't obviously performed as well as we would have hoped, but it is important to sort of keep looking forward and moving and building on that and compounding. I wanted to sort of look at whether some new advice needed to be updated for you, but it looks like from what you've told me so far, you're in between jobs at the moment. So you're kinda doing this pass the delivery while you're looking for something new. What's the new business that you're looking to purchase? What's that I'm looking to at entail? all sorts of things, all sorts of stuff here. Yep. Yep. Do you know sort of when that when you're sort of hoping to have that done, or is, like, a a time I don't frame that I you're don't sort know. of hoping to Like, six months ago not sure? would have been I I didn't wanna sell my Milcro. Oh, I I was forced into it. I'm That's sorry. that's Yeah. that's Norco. They did it to a whole heap of people. I was I was lucky I got I got what I wanted for the business, Yep.","start_word":2188,"end_word":2392,"sentiment":"neutral","sentiment_score":-0.031833525747060776},{"text":"but one of the other guys lost at at a $120.","start_word":2393,"end_word":2403,"sentiment":"negative","sentiment_score":-0.35847631096839905},{"text":"Wow. And he'd So only they just forced he'd a only few just bought it. He he bought it, like, four years ago like me. He'd only just people? bought it, Wow. and then they made him sell it. Yeah. Wow.","start_word":2404,"end_word":2444,"sentiment":"neutral","sentiment_score":-0.19890128076076508},{"text":"They're mongrels, mate.","start_word":2445,"end_word":2447,"sentiment":"negative","sentiment_score":-0.450775146484375},{"text":"Norco, Yeah.","start_word":2448,"end_word":2449,"sentiment":"neutral","sentiment_score":-0.22433005273342133},{"text":"the the middle management and and all that, The CEO, that they're all scumbags.","start_word":2450,"end_word":2463,"sentiment":"negative","sentiment_score":-0.5136082768440247},{"text":"Yeah. I'm But really, sorry you to hear you're that. in you're in the Gold Coast, aren't you? Yeah. So we're Yeah. on the Gold Coast in Southport here. That's Yep. what it is. Yep. Yeah. I think I've been there I once. How how old are you, Dana? me. I'm 41. Oh, okay. Why? Oh, I just I was just kinda oh, it's just because I I feel sorry Yeah.","start_word":2464,"end_word":2534,"sentiment":"neutral","sentiment_score":-0.1079145611171991},{"text":"for the kids coming through these days with all this shit.","start_word":2535,"end_word":2545,"sentiment":"negative","sentiment_score":-0.5853860974311829},{"text":"You know? You're you're Absolutely. probably a bit more I'd. you're probably a bit more established. So Yeah, no, I do completely understand where you're going there. I've got two children for 19 and 20, and they are currently in the process trying to save up to build a house deposit.","start_word":2546,"end_word":2596,"sentiment":"neutral","sentiment_score":-0.06986551731824875},{"text":"And, like, realistically, as you're saying, with inflation and with everything going getting more expensive, it does sound to make it difficult that for them to have a mortgage in the future.","start_word":2597,"end_word":2628,"sentiment":"negative","sentiment_score":-0.3806149661540985},{"text":"They're gonna have to also rely on myself to, you know, put some of my assets up as collateral to sort of help them out. So I do thoroughly understand where you are going with that and how you are feeling.","start_word":2629,"end_word":2669,"sentiment":"neutral","sentiment_score":-0.2212776243686676},{"text":"It is making it very, very difficult for the future generations to be able to purchase a home or for people to pay off homes. I know even people my age and your age are, you know, expecting to go into retirement still having a mortgage because it is just very hard to cover the cost and reduce Oh it.","start_word":2670,"end_word":2729,"sentiment":"negative","sentiment_score":-0.5197386145591736},{"text":"oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh oh Never.","start_word":2730,"end_word":2789,"sentiment":"neutral","sentiment_score":-0.025027699768543243},{"text":"How Oh, much I do doubt you owe I doubt on at at least the moment?","start_word":2790,"end_word":2805,"sentiment":"negative","sentiment_score":-0.3444867432117462},{"text":"I win water. Well, At the if moment, I win, I'll share it. it it I it I think I owe about $300 or it it's only 200 at the moment, but there's a there's a 100 and something a 110 or something in the Yeah. On the offset? redraw. I can redraw Yeah. the bottom business Yeah. if I wanted. Yeah. So I think at the moment, it's about 200, but realistic, it's a bit over $303,100 and something. But, yeah, the rate your rate you're paying it off. I'm barely like, I think I only pay off about $200 a month, you know, off off the residual. Yeah. So what's Yep. that? It's only $1,200 a year. How long do they go? Like, pay off forever. Yeah. And interest rates probably up around that sort of Yeah. six to 7% at the moment. Yeah. So it's just Yeah. I don't know. I don't know. I'll have to anytime I pay it off is if I get when my parents I'll get some money from them when they they're quite well off there. Yep. Are you sort of hoping to be able to maybe down the track use some of your super when you retire or when you get old enough to maybe look at retiring to sort of help pay down the loan, or are you sort of just wanting to keep your super as an income stream knowing you may need to draw down more in retirement to cover the mortgage or payments if you still have the mortgage to that time frame? What Oh, have you sort yeah. of thought I don't about know. I was the outcomes I was there? well, I said if I if I could get it down the repayment's down enough Yeah. that that that the rent would actually cover the the the rates and the strata and all that and a bit more Mhmm. for me to live on, then I'd like to say, I'll just go overseas. I'll just sell everything to go overseas. I've I've thought about Yeah. doing that just because I've got a few I've got a few collectible cars, probably Yep. probably about a $150 worth of collectible cars. And Yeah. Wow. I thought about just selling all them, and I've got a few old rifles. They're not worth much, but and but just selling everything and just put it all against my mortgage and then refinancing the mortgage so the repayments are right like because at the moment, I couldn't rent this place out.","start_word":2806,"end_word":3235,"sentiment":"neutral","sentiment_score":-0.030495227778839423},{"text":"It wouldn't even cover it wouldn't even cover the strata and that.","start_word":3236,"end_word":3247,"sentiment":"negative","sentiment_score":-0.40778812766075134},{"text":"It wouldn't even cover the mortgage, I don't think. Yeah. Oh, yeah. Okay. Because the mortgage is 2,200 a month. There's no way you get $500 a week for this place. No way. Didn't that change a good location? Yeah. I bought I bought Yeah. the cheapest place in Ballina for 200 Yeah. thousand Yeah. dollars. Wow. And it's built built in 1960, and it hasn't been renovated. It's Yeah. old. Wow. No dishwasher. So Oh, wow. yeah. Yeah.","start_word":3248,"end_word":3326,"sentiment":"neutral","sentiment_score":-0.08851398527622223},{"text":"It's full popper.","start_word":3327,"end_word":3329,"sentiment":"positive","sentiment_score":0.46010833978652954},{"text":"I mean, you're on River Street too, and that's not a bad place.","start_word":3330,"end_word":3342,"sentiment":"neutral","sentiment_score":0.2776165008544922},{"text":"Like, I know New Orleans and New South Wales quite well.","start_word":3343,"end_word":3353,"sentiment":"positive","sentiment_score":0.3510007858276367},{"text":"I'll actually live in New South Wales and drive to the Coast every day for work. So I know Ballina quite well, Oh, it's but a you're great on location. River Street That's there. what I bought it. Yeah. I Yeah. bought it it it's it's really primed for development, and Yeah. and we've already got everyone we've already got a a what do you call it? I think we've got four out of four out of seven owners or five out of seven owners that will sell to a developer if they they can. Okay. So that's the only reason I bought it is and I had to buy a place because I couldn't rent a place with a Yep. dog Yes. after the floods. It's impossible. I was Oh, off I absolutely. was I was offering them six months in advance.","start_word":3354,"end_word":3496,"sentiment":"neutral","sentiment_score":0.09002840518951416},{"text":"I was offering $24,000 up front, and they I still couldn't get them.","start_word":3497,"end_word":3509,"sentiment":"negative","sentiment_score":-0.4422750771045685},{"text":"Wow.","start_word":3510,"end_word":3510,"sentiment":"neutral","sentiment_score":-0.31149786710739136},{"text":"That's crazy.","start_word":3511,"end_word":3512,"sentiment":"negative","sentiment_score":-0.40762147307395935},{"text":"When's the last time you had your mortgage looked at by maybe a mortgage broker or a bank? Have you sort of had the the rates reassessed to see if there's a better rate out there or if they can maybe help you to pay it down faster by reassessing the loan? I I've only just got done a when was it? Just come up two years now. Okay. Because I I re I already did it. I don't know if I told you last time. I told her I helped she's I don't know what she is.","start_word":3513,"end_word":3610,"sentiment":"neutral","sentiment_score":-0.10651175677776337},{"text":"She's like my financial burden that was my ex partner or whatever the hell she is.","start_word":3611,"end_word":3626,"sentiment":"negative","sentiment_score":-0.4734914600849152},{"text":"Yep. I've helped her buy a car, so I I redid the mortgage to split it up. So her car Yep. was on my because I've I've lent her money before. She she owes she owes me shitloads, but I've Yeah. lent her money before, and she never paid any interest. She paid the car. She paid off Yes. another car before. But I Yeah. said this time, you're gonna be copping interest because you know? And that's how I split up the loan, and I got the broker that did it for me said, oh, you might as well change banks because you can get I think I got $2,000 or $3,000 for swapping banks. Yep. But, yeah, it's it's not too bad.","start_word":3627,"end_word":3750,"sentiment":"neutral","sentiment_score":-0.00840635783970356},{"text":"The payments aren't too bad.","start_word":3751,"end_word":3755,"sentiment":"positive","sentiment_score":0.3666907548904419},{"text":"It's only $2.02. It's hardly Yep. going up from with the interest rates. Yep. Yes. It's just all hassle there. I don't know. Yeah. Yeah. No. That's okay. I mean, the other thing is is that we do have mortgage brokers that we can definitely look to refer you through to. And another option might be if they look at the loan that you have and the rate that you're on and maybe reassess your circumstances, they might be able to refinance to a lower rate and also look at ways to help you pay the mortgage down faster. I know, you know, looking at things that might still be, you know, a fifteen, twenty year loan.","start_word":3756,"end_word":3872,"sentiment":"neutral","sentiment_score":0.11267912779480985},{"text":"But if they can sort of reevaluate, get you on a lower rate, which reduces your repayments, then making more repayments can help you to reduce the loan a bit faster as well.","start_word":3873,"end_word":3905,"sentiment":"positive","sentiment_score":0.33631566166877747},{"text":"But, yeah, it's also up to whether or not you're comfortable going through that because it is a bit of a process. You are going through responsible lending regulations and having everything looked at.","start_word":3906,"end_word":3939,"sentiment":"neutral","sentiment_score":0.0728396400809288},{"text":"But if it's something you would like to do, you're welcome to let us know.","start_word":3940,"end_word":3954,"sentiment":"positive","sentiment_score":0.3458985388278961},{"text":"We can refer you through to a mortgage broker to assess that I'll that is I'll I'll have at no cost a I'll to yourself. have a look So at I'll have a look at what they're charging me, and then I'll I'll do a quick look myself and see if it's yeah. Absolutely. Absolutely. yeah.","start_word":3955,"end_word":4010,"sentiment":"neutral","sentiment_score":0.1815410852432251},{"text":"That's okay. Absolutely fine.","start_word":4011,"end_word":4014,"sentiment":"positive","sentiment_score":0.4089966416358948},{"text":"So because we have made that switch within your super fund there, I would like to sort of just maybe do a bit of a review on your performance in the next, say, you know, three to six months just to sort of see if there's any new advice down the track to sort of look at. The other thing I wanted to sort of touch base on is the contribution side of things. So, I mean, you're in that growth environment taking a bit more risk to try and get greater potential returns now, but contributions do kinda go to helping. I know with you in between jobs and sort of with a lot of Yeah. changes Okay. going on, do you have much in the way of expendable The income the or the the savings? the problem At. with it is that you can't take Yeah. it back out. I'd I'd rather put That's it right. off my loan where where I can get it back if I want it. Yeah. That's absolutely Because fine. what I what I was doing and and like I said, I've I've got a I'm sorry. I know you're in the Yeah. industry, You're but I've got right.","start_word":4015,"end_word":4220,"sentiment":"neutral","sentiment_score":0.037263637444782026},{"text":"a really Yeah. bad opinion of super I think it's shit.","start_word":4221,"end_word":4231,"sentiment":"negative","sentiment_score":-0.6175464987754822},{"text":"Okay. Because I'll put in That's I'll put fine. I'll put money into it for years. Oh, the dog's leaving the Yep. room.","start_word":4232,"end_word":4254,"sentiment":"neutral","sentiment_score":-0.12437780946493147},{"text":"He doesn't like it when I talk about it.","start_word":4255,"end_word":4263,"sentiment":"negative","sentiment_score":-0.42013001441955566},{"text":"He leaves the room. I I put in money. I put in I was putting in $30 a week or something for years, Yes.","start_word":4264,"end_word":4287,"sentiment":"neutral","sentiment_score":-0.11536134779453278},{"text":"and my it hardly went up.","start_word":4288,"end_word":4293,"sentiment":"negative","sentiment_score":-0.42732441425323486},{"text":"In fact, it was count backwards with those. You guys are a lot better than the other ones, but a lot of those super funds and see the problem with it all is every super fund's got a CEO and a directors and that, you know, that are all skimming Yes. off the top, you know, and Yeah.","start_word":4294,"end_word":4351,"sentiment":"neutral","sentiment_score":-0.2987685203552246},{"text":"and they and they don't perform. They don't do very well on you with the money. They're they're hopeless.","start_word":4352,"end_word":4370,"sentiment":"negative","sentiment_score":-0.6024836897850037},{"text":"Yeah. All, Yeah. you know, all No. those That's big okay. ones and that, well, they they were lucky to make 3% stuff with all their fee. They're absolutely Yeah. Yeah. No. That's okay. That's completely understandable. I can keep bringing it up down the track. And when and if you decide that you are comfortable wanting to put some more into that, that's absolutely fine. costly. What I'd like to maybe do is just keep watching things over the next week. Do you want me to do a catch up in maybe three months or six months with you to see how these changes that we've made are performing and see if there's any new advice down the track to sort of provide? Would you Yes. like that in three or six months? What would you prefer, Peter? I'm happy to Probably sick. coordinate Yeah. with six months. Yeah. That brings us up to February, if that's okay. Yeah. What I did think about doing I was gonna ask my accountant about this, and then Norco made me sell. I did think about Yeah. at the end of financial year, if I dump a heap of money into my super, that that can reduce my tax, can't it? Mhmm.","start_word":4371,"end_word":4580,"sentiment":"neutral","sentiment_score":0.0097160538037618},{"text":"Yeah. Absolutely. So they do have what's called a deductible contribution where you deposit the funds from your bank account into the super fund.","start_word":4581,"end_word":4604,"sentiment":"positive","sentiment_score":0.3770720958709717},{"text":"Again, it does lock it away, and then we claim what's called a notice of intent against that. So say if you put $10,000 in, it goes in nonconcessionally. We put we claim the notice of intent for you.","start_word":4605,"end_word":4643,"sentiment":"neutral","sentiment_score":0.1630459427833557},{"text":"The super fund then deducts 15% tax out of that contribution, and you can take that 10,000 back to your account and and claim that as a tax deduction on the year's income. So you absolutely can do that. You if that's something you would like to do, I'm more Alright. than happy to put maybe something in the calendar so we can touch base before the end of the financial year and look at your income and what you have available and what you might be comfortable putting in the super.","start_word":4644,"end_word":4735,"sentiment":"positive","sentiment_score":0.4333130419254303},{"text":"I can also give you personal advice and provide an advice document that recommends doing so and the benefits, the advantages, disadvantages, and risks of doing that to make it easier on you so you can Well, see it see, all. that that's what I was gonna do. I I I thought that instead of buying the business, like, selling a whole heap of stuff, Yep. dumping it all into my super, Yep. but then use it to then pay off my house, but you can't do it. So it's yeah. Next, you Not know, you you you should be able to use your super as equity, but you can't. It's net stupid. you can there is a way that that can work for you if you are open to doing it. So if you were to look at doing that now and say you had ten or twenty thousand over the course of the year that you wanted It's so to put stupid. into super, you can put it in as a lump sum.","start_word":4736,"end_word":4910,"sentiment":"neutral","sentiment_score":0.0810043066740036},{"text":"The downside of doing that is the money gets invested at one time.","start_word":4911,"end_word":4923,"sentiment":"negative","sentiment_score":-0.43084248900413513},{"text":"So if you dump $20 in tomorrow, the money gets invested, the market drops, so that is gonna reflect.","start_word":4924,"end_word":4942,"sentiment":"neutral","sentiment_score":-0.11814910918474196},{"text":"What you could then also be doing is doing it on a regular basis. So putting smaller amounts of money in on a more regular basis, doing the exact same thing.","start_word":4943,"end_word":4973,"sentiment":"positive","sentiment_score":0.3493523597717285},{"text":"It comes out of your bank account and into the super fund. We can Yes. help you to set it up as a regular direct debit or it's a regular transfer from your bank account, or you can manually do it. Depends But on your it comfort level. But then not necessarily. If we start it'll it'll never get to the amount where I can do that, so there's almost no point. Yeah. Besides besides besides a tax break, because I'll I'll I might what I'll do is if I get another business and I'm doing well again because what I was doing is every I've I've looked at my business account and they get enough money in there. I'd I'd know how many bills I've built what my bills were actually gonna be. And Yes. I just, like, I just, like, dumped 10 or $20 off my off my Yeah. hat. Yep. But I I put it into the house where I knew what where it wasn't been able to withdraw. Yep. Not not in the offset. I've I've well, you could redraw Put it under on it, the but loan. but it's yeah. Yeah. It's straight off the line, not on the offset. Yeah. So not that it probably matters, but alright. Honestly, the way I sort of put that is that when if you're really good with money and you're able to put that money into the offset and have it just sitting there and you know you're not gonna use it, you're pretty good, you know, just not drawing back whenever you need to, then the offset works honestly the same way. The main difference is in the way I sort of work with a lot of my clients is if they're not great with money, if they find having large sums of money in the offset is easily accessible and they're more likely to use it, then putting it on the loan is a better scenario.","start_word":4974,"end_word":5304,"sentiment":"neutral","sentiment_score":0.13555451808919358},{"text":"It does physically reduce the loan amount, which can also be a benefit to someone who is just looking for that kind of gratitude.","start_word":5305,"end_word":5328,"sentiment":"positive","sentiment_score":0.4040525257587433},{"text":"But then it is harder to take back. Doing a redraw can be a little bit harder than just having a card and tapping away.","start_word":5329,"end_word":5353,"sentiment":"negative","sentiment_score":-0.4159543216228485},{"text":"So Yeah. they both have the same effect of reducing the amount of interest that you pay. The main factor is do you wanna see your loan balance decreasing and putting it on the loan directly, or are you comfortable having it in the offset account and not using it all the time to make it easier?","start_word":5354,"end_word":5410,"sentiment":"neutral","sentiment_score":0.12088443338871002},{"text":"And you seem like you're pretty pretty comfortable with that, but it it kinda feels to me like having it for yourself. And you can correct me if I'm wrong, but having it on the loan feels like it would be a much more comfortable aspect for you. So you can physically see the loan balance dropping, which can kind of provide a little bit more, you know, gratitude. It kinda shows you that you're actually reducing the loan a lot faster, which can be Well, the most people tend to find better.","start_word":5411,"end_word":5503,"sentiment":"positive","sentiment_score":0.3823351562023163},{"text":"I Yeah.","start_word":5504,"end_word":5505,"sentiment":"neutral","sentiment_score":0.2169644832611084},{"text":"paid I paid $50 off in the first year, but that is when the interest rates were low and I was earning good money in the business.","start_word":5506,"end_word":5532,"sentiment":"positive","sentiment_score":0.34181252121925354},{"text":"Yeah. COVID interest rates. Yeah. Yeah. Understandable. But, I mean, the other side of it is putting more money into your offset account and the loan does provide a guaranteed rate of return, whereas putting it into super or investing the money, there's no guarantee on the rate of return. But if you wanted to look at doing additional contributions, we can structure it so that you are putting maybe smaller amounts in regularly so long as we can kind of and I monitor things and do catch ups with you to make sure things are working harder.","start_word":5533,"end_word":5630,"sentiment":"neutral","sentiment_score":0.1244056597352028},{"text":"But, realistically, if you're putting enough money in and you're also getting good growth on top of that and compounding it over time, you theoretically could end up with enough, if not enough, to cover the mortgage at least close to. And if that's what you wanted to do, if you wanted to just sort of get to retirement age, take all your money out, pay your mortgage down or off completely if possible, and then go overseas and rent the property out, that could work as your retirement goal. There's nothing wrong with that in any way, shape, or form.","start_word":5631,"end_word":5731,"sentiment":"positive","sentiment_score":0.43183693289756775},{"text":"But Oh, giving if I a can, super I will? a boost yeah.","start_word":5732,"end_word":5744,"sentiment":"neutral","sentiment_score":0.2453681528568268},{"text":"Giving a super a boost is definitely important.","start_word":5745,"end_word":5752,"sentiment":"positive","sentiment_score":0.5885405540466309},{"text":"And as much as the way I sorta super is think of it like your car. The actual super fund is the car. You're sitting in the car, but without fuel, you can't really go anywhere.","start_word":5753,"end_word":5788,"sentiment":"neutral","sentiment_score":0.21507935225963593},{"text":"The investments, the fuel, and having contributions put in there does add to it. It's like topping it up and helping it to grow and build. And as much as we can get, you know, a seven or a 10 or a 20% return just from investments and compound that, sometimes adding a little bit of extra money in also provides a greater benefit. It helps to boost and replenish and build on your super a lot quicker as well.","start_word":5789,"end_word":5868,"sentiment":"positive","sentiment_score":0.603313684463501},{"text":"So How much? there is that consideration Oh. to you're at. Sorry. Oh, oh, I forgot what I said. That's I'm that's alright. hoping to You're fine, honestly. oh, how much oh, so so I was gonna say, how much can you put into your super? The current concessional rate, so this is thinking like employer contributions or contributions where you've claimed a notice intent. This year, financial year, it's 32,500. However, they also have what's called the carry forward, which means if you've not put in up the cap over the last five years and Yeah. your super balance is under 500,000 as at June 30 last year so at thirtieth Yeah. of June this year, then you can also probably use catch up contributions from the last five years, and your ATO account would give you that level. So you could theoretically be putting in, you know, 50, 50, a 100,000 depending on what your carry forward limit is, depending on what you're comfortable with as well. They also have non concessional contributions, which at the moment, you can put up to a 130,000 in this financial year, and that's after tax free component within your super funds.","start_word":5869,"end_word":6068,"sentiment":"neutral","sentiment_score":0.0986703634262085},{"text":"So there is a pretty good limit of contributions that can be made.","start_word":6069,"end_word":6081,"sentiment":"positive","sentiment_score":0.5005639791488647},{"text":"It just depends upon what you're comfortable with.","start_word":6082,"end_word":6089,"sentiment":"neutral","sentiment_score":0.3152468800544739},{"text":"And sometimes starting smaller is a comfort level for most people, especially when they do have a mortgage because most people wanna pay the mortgage down as quickly as possible.","start_word":6090,"end_word":6119,"sentiment":"positive","sentiment_score":0.36476173996925354},{"text":"The banks make quite a bit of money off our mortgages. Yeah. So it's it's still for me, I mean, I might when I when I get a business, I might do it to try and reduce my tax. Mhmm. But Yeah.","start_word":6120,"end_word":6161,"sentiment":"neutral","sentiment_score":-0.04540511593222618},{"text":"like I said, if I can't get hold and I can't use it, then it's it's almost useless money to me.","start_word":6162,"end_word":6182,"sentiment":"negative","sentiment_score":-0.5614033341407776},{"text":"You know what I mean? Like, it's Yeah. almost it they've made the super and that's what Pauline Hanson said. You know? It it needs to be we need to have more access to it. You know?","start_word":6183,"end_word":6219,"sentiment":"neutral","sentiment_score":-0.2591371238231659},{"text":"It's just stupid.","start_word":6220,"end_word":6222,"sentiment":"negative","sentiment_score":-0.5939242243766785},{"text":"Yeah. Yeah. That's okay. When what age? I mean, theoretically, under the current legislation, if you get to the Yeah. age of 60 and you decide you wanna then officially stop work, retire for all intensive purposes, and access that money, you can draw the whole amount of your super out and put it onto your mortgage if that's what you wanna do. Alright. 60 Alternatively also with 67. no. So the age of 60 is the first preservation age. If you fully retire Yes. at 60, you can access your funds a Yes. 100% tax free and take it all out. Alternatively, if you wait to age 65, they will make you'll have access to your funds regardless of whether you're working or not. And age 67, if you're eligible for, is the age you're able to apply for the age pension through Centrelink or Services Australia. So that's how that works at the moment. Sorry. Yeah. So what so do do they check do they look at how much you've got in there? Or you could just or you could just say, no. I'm retiring and just take it. Yeah. Yeah. Correct. So at 60, if you ring me at 60 and go, hey. I'm gonna retire. I'm gonna stop working. I wanna take all my money out. We can a 100% do that. It doesn't matter how much you have in there. Same thing at 65. At 65, if regardless, if you're still working at 65 and you say you wanna take all of it out, you absolutely can. The caveat is between 60 to 65, you have to fully retire with the intention of not going back to work or reduce your hours to below ten hours per week. At 65, it doesn't matter whether you're working or not, but they don't care how much you have in there. If you meet Okay. those conditions, you can take it all out, and it gets all tax free. What what if I was working overseas? Would they know about that? Is that I mean, considered if there's working? there's What contributions going in, going in, I would probably please not tell me because I'm on a recorded no. line. If you ring No. me, you No. No. just No. tell Like, me you're say retired. say say if I retired at 60, but then bought a business overseas, Yep. Oh, that's fine. you can do that? Yeah. Yeah. Absolutely. There's no there's no rule that says you have to stay retired. If you decide to stop working here in Australia and you are over 60 and you want to take all your money out, out, you do whatever you wanna do with it, if you then go back to work, that's fine. There's no caveat saying you can never go back to work again. It's just the intention to not go back to work. It's the intention Okay. of retirement. But people retire and get bored and go back to work a week later. It's no problem at all.","start_word":6223,"end_word":6734,"sentiment":"neutral","sentiment_score":0.04738103359704837},{"text":"Yeah. Yeah. Just bullshit them.","start_word":6735,"end_word":6739,"sentiment":"negative","sentiment_score":-0.6612396240234375},{"text":"Yeah. Yeah. It well, Yeah. it's it's I I looked at because I've been looking at stuff all around all around the world, like, you know, all Yes. sorts of stuff. Surf surf, you know, surf charters and bars in Thailand and that because I went to Thailand to get some dental work done. Yep. I was up in Japan snowboarding, so I went over there on the way back to and and the one of one of the bars I was drinking drinking because I I went I was trying to stay away from I stayed away from the girly bars because I didn't wanna get rest all the time. And Yeah. it was it was like an English bus. And I Yep. and I found out there's an English I think it's English or Italian, so who owned it. And I thought, I didn't I didn't think you could own businesses in time. Apparently, you can own certain types of one. Yep. You gotta get approval and all this stuff. But Yeah.","start_word":6740,"end_word":6913,"sentiment":"neutral","sentiment_score":-0.024089276073393465},{"text":"when I looked into it, apparently, you gotta bribe the police and the mafia. So I'm thinking Oh, that's wow. bitch shit. I'll probably be in trouble from both of Yeah. them.","start_word":6914,"end_word":6945,"sentiment":"negative","sentiment_score":-0.5117040276527405},{"text":"Yeah.","start_word":6946,"end_word":6946,"sentiment":"neutral","sentiment_score":-0.2787328064441681},{"text":"Apparently, you gotta pay off both of them.","start_word":6947,"end_word":6954,"sentiment":"negative","sentiment_score":-0.3921444118022918},{"text":"Oh, daze. Gotta pass both sides of it. Yeah. That It's would tough. be Well, difficult. well, I don't know if you've ever been to Hong Kong, but Hong Kong Hong Kong is really safe because they've they've got the the mafia there. Everyone's gotta play the mafia. You And yeah. so Right.","start_word":6955,"end_word":7007,"sentiment":"neutral","sentiment_score":-0.16161097586154938},{"text":"you hardly ever see the police if the police have to get involved. That's really going down.","start_word":7008,"end_word":7024,"sentiment":"negative","sentiment_score":-0.4816173017024994},{"text":"The only thing I've Yeah. seen Right. the police twice there. I think it's twice, and I've been there about 15 times or so. Yeah. Right. And it's the Hong Kong mafia. Yeah. The Hong Kong mafia, they they keep everything safe. Wow. That's That's that's crazy.","start_word":7025,"end_word":7071,"sentiment":"neutral","sentiment_score":-0.021084727719426155},{"text":"why you don't you don't see people mucking up and being idiots because the the police don't turn up. The mafia deal with you.","start_word":7072,"end_word":7095,"sentiment":"negative","sentiment_score":-0.5443382263183594},{"text":"Yeah. Well, there'd Yeah. be more severe punishment, wouldn't it? Yeah. They just have you been to Hong Kong? I've No. never. No. No. No. My my brother lives there. That's the only reason I've been here.","start_word":7096,"end_word":7132,"sentiment":"neutral","sentiment_score":-0.07205463200807571},{"text":"That's cool. So he's he's across it all.","start_word":7133,"end_word":7140,"sentiment":"positive","sentiment_score":0.42900505661964417},{"text":"He knows where to go, Yeah. Yeah. The place is nuts. It's what to fully do. Yeah. it's it's it's built on, like, a really steep hill. Wow. Yeah. And, Wow. like, like, going anywhere is just a mission. Like, if you have to walk, it you're walking down really steep hills and not really. And that's just just the fact that the pond's built that. So that doesn't mean to. It would've been flat down the bottom at the start, but it's yeah. It's pretty crazy. Yeah. I wouldn't wanna be there in an earthquake. Put it that way.","start_word":7141,"end_word":7240,"sentiment":"neutral","sentiment_score":-0.010987489484250546},{"text":"Pretty scary. No. Absolutely not.","start_word":7241,"end_word":7245,"sentiment":"negative","sentiment_score":-0.37366801500320435},{"text":"Definitely not. Wow. That's insane. Jeez. Alright.","start_word":7246,"end_word":7252,"sentiment":"neutral","sentiment_score":-0.04282096028327942},{"text":"All good.","start_word":7253,"end_word":7254,"sentiment":"positive","sentiment_score":0.3937390744686126},{"text":"Well, what we'll do moving forward is with your super, I'll keep things as they are for the moment, and we'll do a catch up in six months if you're comfortable with that. In the meantime, I'll keep looking at things, sort of seeing how it's growing, what's happening. We'll do a catch up in February to see what's happening work wise, where you earn money, what kind of changes you've got, and whether we maybe update advice and consider making more contributions moving forward. Does that sound okay with you? Yeah. Yep.","start_word":7255,"end_word":7347,"sentiment":"neutral","sentiment_score":0.1920156329870224},{"text":"Beautiful. We'll let those changes sort of sit and play, and I'll see how things go.","start_word":7348,"end_word":7363,"sentiment":"positive","sentiment_score":0.5043466091156006},{"text":"If I look at things because I do look at your super, you know, every so often and see what's happening and, you know, see what the balance is doing and what the returns look like and if something needs to be updated or changed. So if I do sort of look at that and I find there is maybe a need to make some changes, I'll definitely make contact with you and let you know in the meantime. Does that sound okay with you, Peter? Yeah. Sure. Yep.","start_word":7364,"end_word":7452,"sentiment":"neutral","sentiment_score":0.06658317893743515},{"text":"Thanks. Beautiful. That's okay.","start_word":7453,"end_word":7456,"sentiment":"positive","sentiment_score":0.5438001751899719},{"text":"I wanna make sure. Look. You know, not everyone feels the same way about super, but you're our client. So I wanna make sure that, you know, your super Bye. is working as hard as it possibly can for you. You've worked your butt off for years, so your money should just be working as hard as it can for you. So we'll make sure things are working as hard as they can. You are kind of in that growth environment. Now one of the things I sort of also wanted to look at was just the risk profiling. So in your super, the you're in more of a growth environment, which generally sees about 80% of your super invest in growth assets. So think about Australian and international shares, listed property, and commodities like gold and silver, and then the other 20% in defensive low risk investments like cash, bonds, and fixed interest. This sort of a portfolio, you're wanting to sort of average around about a seven to 9% on a yearly basis compounding that over time. And we know with market ups and downs, there is the risk of a negative year, and we expect that around about one in every five years. This sort of portfolio happily suits someone who's not gonna access their funds for around about six years. If you were definitely closer to retirement than you are, I would be saying, let's pull that back a little bit. And looking at where you are now, just double checking, you're 54 this year next month. Is that right? Yeah. Yep. What is the likelihood of you wanting to withdraw those funds at the age of 60, or do you think you're gonna wanna probably try and keep it growing a little bit longer? What do you think the likelihood is of Well, that? no. Well, no. What I what you've told me today, I'll probably Yeah. I'll probably sell my house and sell all my stuff and go overseas. So you'll probably sell the house as well? Yeah. I'll probably sell everything. Yep. Sell all Okay. That's my alright. cars. Sell sell Yep. if I have a business, sell a whole lot and just go overseas. Yeah. Because No. That's I'll be okay. I'll be Understandable.","start_word":7457,"end_word":7838,"sentiment":"neutral","sentiment_score":0.04306000533528353},{"text":"lucky to make six gig, I think.","start_word":7839,"end_word":7845,"sentiment":"positive","sentiment_score":0.3881916105747223},{"text":"Yeah. So do you think you'd be wanting to sort of use your super to pay down the mortgage prior to selling the house or to sell that, let the proceeds pay off the rest of the mortgage I if there's one owing, and then add the additional proceeds to your super and maybe take that overseas and live off that money? Does that sound like don't what know.","start_word":7846,"end_word":7914,"sentiment":"neutral","sentiment_score":0.0250391885638237},{"text":"I don't you know what not I'm doing.","start_word":7915,"end_word":7922,"sentiment":"negative","sentiment_score":-0.3874165117740631},{"text":"sure? That's okay.","start_word":7923,"end_word":7925,"sentiment":"neutral","sentiment_score":0.15909728407859802},{"text":"We got some things to definitely think about over the next six months, and I'll I'll definitely sort of check-in and ask more about that when we catch up in February just to sort of see where your plans and goals might be going.","start_word":7926,"end_word":7969,"sentiment":"positive","sentiment_score":0.3700457215309143},{"text":"One of the things you'll Mhmm. probably notice about me is I ask all the questions you've probably never thought about. So at least it'll kinda give you an idea of thinking about what you're after, where you wanna head towards, and what you maybe wanna do when you do get to those ages of retirement. Does that make sense? Yes. Yeah. I just wanted to so I'm gonna work on 60 as a bit of a baseline, which realistically, at the moment, gives us seven years. It's as of next month, we'll have about six years there. Have you ever owned shares of cryptocurrency or investments in your own name before? No. No. No. That's okay. With market ups and downs, like, we've sort of seen a lot of those at the moment, how might you be feeling if your super took a bit more of a a dive, say, dropped by 20% in the next one or two years? Do you think you'd be maybe taking it as an investment opportunity, putting money into the market? Are you feeling like you'd be calling us and having a chat about what to do, or are you feeling very nervous about the market ups and downs and wanting to sell the I investment maybe to cash? How do you think you might react in that instance? know. Probably a bit of both. It'd probably a bit you know, good time to invest in it, but I don't know. I Yep. don't know what the hell is gonna happen with Trump. No. Do you think you might like yeah. You're Is Do you think you might be willing to maybe call us and have a chat about what's going, seeing what we can do advice it wise, and, you know, yeah. try to look at what options you have moving forward? Does that sound like something that you might be open to doing, or do you think you'd just be more concerned about Probably more concerned about it. it? Yep. Yep. That's okay. I've noted here that we're looking to try and get the best return we possibly can. And in the past, you've mentioned that you've sort of seen your sleep and not doing so well. If you thought whenever you see your super full, how do you think you're feeling about that? Are you optimistic about the investment opportunities? A bit cautious, concerned, or anxious? How do you sort of feel or do you Anxious? think you feel when you see you're super full? Yeah. Anxious? It's it's Yep.","start_word":7970,"end_word":8399,"sentiment":"neutral","sentiment_score":-0.005130936439300692},{"text":"it's pretty pretty depressing. It is.","start_word":8400,"end_word":8405,"sentiment":"negative","sentiment_score":-0.5175537467002869},{"text":"Yeah. Because Absolutely. they're supposed to be you know, these companies are supposed to be paying dividends, so that's supposed to be going in there. Yeah. Yeah. Yep. I think one of the things to point out is that whilst there are dividends that are being paid, they are compounding in. It's also the growth, and that's one of the biggest things. That's why we talk a lot about the risk factor is the growth that you see. The growth in the portfolio is the change in the investment prices. So as an example, if you held, say, CBA and it was worth $50 a day, tomorrow it might be worth a $100 a share. The next day, it might only be worth $20 per share. And that's not necessarily a reflection of the what the company is worth. It's more just a reflection of what people are willing to pay for that. And markets go up and down for a myriad of reasons. Essentially, it Yeah. could just be that people are at the end of the financial year trying to take profits out of their investments at tax time. In December, we tend to see a lot of those sorts of sell offs because, you know, The US tax year has finished up, so sometimes we see that. Our financial year, we see the same thing. We tend to see markets take a little bit of a dip around about the end of June where people might be selling off for profits. It might also just be like we saw in April this year.","start_word":8406,"end_word":8671,"sentiment":"neutral","sentiment_score":-0.06557999995250002},{"text":"The markets are going up and down because Trump sort of said something, traded something, or made a decision, and that sort of scared investors off. And a lot of investors are older, so they are sort of looking at their funds going, oh, no. What's this gonna mean? I need to sell out now to cash before somebody else does to keep my returns. And that sort of thing starts a bit of a sell off. Other people see it getting red and going down, and they continue to do the same thing.","start_word":8672,"end_word":8765,"sentiment":"negative","sentiment_score":-0.4569977819919586},{"text":"So 90% of market reactions is just human beings buying and selling. My job is to keep you from trying to make those sorts of decisions. It's to tell you that it's okay. And when we're looking at those sorts of things, like, no one likes to see the balance go down, but we wanna make sure you're in a portfolio that if you saw that 20% dip this year or next year, that you're not gonna make a decision to sell out of the portfolio, that you're able to sit and wait and let that portfolio come back. One Mhmm. of the biggest things that we make sure that we do is that we never recommend anything that is only been around for a short time. All the investments that you're invested in have been around for a long period of time. They've seen, like, the GFC style events. They've been through COVID. Mhmm. Those investments have withstood those downtimes and then come back and recovered as as the downtimes have kind of come back out as people have been more confident in the market. So it's one of the important things. And when we talk about risk, it's about making sure that you're in those portfolio, that you're comfortable with the ups and downs. And when you're not, that we maybe pull back that risk level. However, taking less risk in the market may means that we are also expecting lower rates of return. So it's kind of a juggling act. Are you wanting to are you comfortable taking on a bit more risk now knowing that you're gonna there is the risk of a downtime, but you're not gonna access the money in that downtime? You've got you've got time on your side to wade through that and wait for your portfolio to recover prior to taking any money out or prior Yeah. to taking large lump sums. Does that make sense? Does that clarify? Yeah. Yeah. So risk isn't always a bad thing. You want good returns to take a little bit more risk to do so, but it's gotta be within a certain comfort level for you as well.","start_word":8766,"end_word":9129,"sentiment":"neutral","sentiment_score":0.023783215587692603},{"text":"So I'd be happy to keep you in this sort of environment. You've scored as a growth investor, so that's okay probably for this year.","start_word":9130,"end_word":9154,"sentiment":"positive","sentiment_score":0.6640467047691345},{"text":"But then maybe we look at it in February and look at maybe adjusting the risk level a little bit if you are, you know, wanting to realistically think about selling out and and taking the funds at 60. Does that make sense? Do Yep. you have Yep. more questions? Did you want me to clarify Right. anything for you? No. My mom No? got my mom got CBA shares when they were I think she when they were released, I think, 20<unk> or 10<unk> or something. I can't remember. Wow. That would have been a long time ago. Yeah. And then Wow. when they went down one stage, they went down to, like, $20. It was no. Yeah. No. Not 20<unk>. It would've been 15 or $20 per share. Yeah. I Wow. can't remember what the initial was. You you could probably find out. But Yeah. then it went down to, like, $28 from 70, and she bought a hat stack then as well. Yeah. And and now what I can't remember. Last time I saw it was a 110 or something. I don't know what it is Yeah. now, but Let me have a they've quick got look a for stack of shares. They've got over $500,000 of you. shares. Yeah. That's just Wow. that's And just the new share fault for it, and they own all that. Yeah. yeah.","start_word":9155,"end_word":9390,"sentiment":"neutral","sentiment_score":-0.03434581309556961},{"text":"So They're that's good a bit of as an inheritance down the track for you as well someday.","start_word":9390,"end_word":9408,"sentiment":"positive","sentiment_score":0.3963361978530884},{"text":"yeah. We're we're good as good as brother, but yeah. They're both the old Yeah. the old man.","start_word":9408,"end_word":9426,"sentiment":"neutral","sentiment_score":0.0590958334505558},{"text":"It's not real well at the moment.","start_word":9426,"end_word":9433,"sentiment":"negative","sentiment_score":-0.39145079255104065},{"text":"I've got a ring about him, actually. Oh, But that's the same. Yeah. yeah. He's got pockets and stuff. Yeah. Wow. How progressed is it? The the, the medication that see, this is the thing. Walter Jay Fox has raised stacks of money, and if they get onto it early enough, they could slow it right down. Yeah. Yeah. So if he actually works on his exercise, he he actually gets better, but he's a bit Yeah. Yeah. lazy. And but yeah. I mean, they're up in Brisbane. Andrews, my brother's in Hong Kong and all his daughter.","start_word":9433,"end_word":9527,"sentiment":"neutral","sentiment_score":-0.0011975132321056566},{"text":"Balon is not a bad place to be. It's well, there's a it's probably it's probably the friendliest place I've ever lived in.","start_word":9528,"end_word":9550,"sentiment":"positive","sentiment_score":0.5235950350761414},{"text":"It's Yeah. it's it's very working class, but Yes. my my local my local pub in Brisbane, I wasn't worried about anyone in that bar, but this the local down here, there's about $15 I wouldn't wouldn't upset. Yes. Yeah. It's I it's understand it's it's that. it's like I mean, it's pretty working class. Yeah. Where were you living in Northern Rivers? Is it Kingsford So I was or somewhere? born, yeah, I was born in Murwillumbah, and I Oh, lived yeah. in Murwillumbah and now live at Tweed Heads, Sonora Point. Yeah. I like that. I knew the car Yep. clean from a little about one day. Yeah. You know Wow. you know how to have the car clean? I've worked with her. Yep. I can't remember her name now. Yeah. Wow. I used to work with her at APSM. Yeah.","start_word":9551,"end_word":9693,"sentiment":"neutral","sentiment_score":0.10097469389438628},{"text":"Nice.","start_word":9694,"end_word":9694,"sentiment":"positive","sentiment_score":0.33406180143356323},{"text":"Nice. And after my window. Yeah. Yep. So that's Yep. that's just always get is that the one there, Byron, or is that the one up always get those two mixed up. It's a little bit further up than Byron, so Yeah. it's about, Yeah. say, half an hour north of Byron, and then about an hour away from Ballina. Yeah. North. It's up near the border. Yeah. It's on the river there, ain't It it? is. Yeah. Yeah. Yep. Yep. I think what you're thinking was Mullumbimby, Mom which and is baby. Yeah. closer I always get to those. Byron. Yeah. Yeah. I always get those two mixed up. Because I No. almost That's okay. I almost surface. I'm only interested in surfing down the beaches. Yeah. Well, see, you live in the right place for that. You've got Byron, Lennox, Ballina.","start_word":9695,"end_word":9837,"sentiment":"neutral","sentiment_score":0.013150680523652297},{"text":"Oh, the headlands there are great for surfing.","start_word":9838,"end_word":9845,"sentiment":"positive","sentiment_score":0.685724139213562},{"text":"Yeah. I I haven't surfed in years, but I when I was on the milk run, I pretty much quit because I twisted my ankle one time surfing, and I just had to work on it. Yeah.","start_word":9846,"end_word":9882,"sentiment":"neutral","sentiment_score":-0.20424926280975345},{"text":"So if you hurt, you know, you basically try to drag yourself around. Just put up with it, you know, because you got no backup.","start_word":9883,"end_word":9907,"sentiment":"negative","sentiment_score":-0.5291321277618408},{"text":"Yeah.","start_word":9908,"end_word":9908,"sentiment":"neutral","sentiment_score":-0.2909896671772003},{"text":"And the the cafes and the supermarkets and that, they can't go without their milk. If they got no milk, then they're, you know, really not happy.","start_word":9909,"end_word":9935,"sentiment":"negative","sentiment_score":-0.45970162749290466},{"text":"Yeah. Yeah. Absolutely. Absolutely. So with your role at the moment, with the deliveries for Australia Post, are you employed by Australia Post, or are you more subcontracting? How Uh-oh. does that sort of work? I'm subcontracting with a guy who's got a contract through Australia Post. Yeah. But it's the guy one of the guys I'm working with, he reckons he's getting paid less now than when he was seven years ago. Right. But he Yeah. reckons they'll Wow. getting a he said they'll getting better rate then than they are now, and fuels, Yeah. like, you know, three times the price. Wow. Yeah. And and Okay. we paid Right. for our Yep. bill. Yep. But, yeah, So it's this is the it's pay Sorry. You're right. oh, I'm only making about a thousand dollars a week, and then Okay. that's before tax and Yes. it's just it's just not I feel like saying I'm going, this is not I'm not saying that, but I don't want him to get someone to replace me and then but so I'm not saying anything.","start_word":9936,"end_word":10118,"sentiment":"neutral","sentiment_score":-0.06744732707738876},{"text":"But as soon as I find a business, I'm gonna get the hell out of there.","start_word":10119,"end_word":10134,"sentiment":"negative","sentiment_score":-0.37286147475242615},{"text":"I wanna get out before Yay.","start_word":10135,"end_word":10140,"sentiment":"neutral","sentiment_score":-0.09623570740222932},{"text":"Christmas because it apparently, they're super busy in Christmas, and I don't want to be dealing with that.","start_word":10141,"end_word":10158,"sentiment":"negative","sentiment_score":-0.3584733009338379},{"text":"I could only imagine the amount of gets that has to be delivered around Christmas time. Oh, Yeah. they reckon it's not. So they reckon they almost go seven days a week. But yeah.","start_word":10159,"end_word":10192,"sentiment":"neutral","sentiment_score":-0.031239792704582214},{"text":"And Belenar is great.","start_word":10193,"end_word":10196,"sentiment":"positive","sentiment_score":0.5613711476325989},{"text":"Especially the summer holidays, the school holidays, Yes. the traffic in Ballina just goes nuts. All Oh, the country folk absolutely. come into town. They drive Yes. Yep. with bonkers. They do, like, half the speed in it everywhere, and they can't use your handbags. And you and you can Absolutely. tell you can tell their country because they've got a, you know, a uke with a 44 in the back and a. You're from the country. Absolutely. I remember when I used to work in Bellona, I used to drive through Bellona every day for work from Tweed, and I hated the weekend of Blues Festival because the m one was clogged with the amount of people trying to get into Byron that weekend.","start_word":10197,"end_word":10321,"sentiment":"neutral","sentiment_score":-0.03306601569056511},{"text":"That is insane.","start_word":10322,"end_word":10324,"sentiment":"negative","sentiment_score":-0.4955216348171234},{"text":"Oh, it's just yeah.","start_word":10325,"end_word":10328,"sentiment":"neutral","sentiment_score":-0.2389695644378662},{"text":"It's nuts.","start_word":10329,"end_word":10330,"sentiment":"negative","sentiment_score":-0.3859165608882904},{"text":"I don't even know where people Yeah. go. Right? I I think I went to one no. I I only went to two festivals growing up, and I hated them. I only Yeah. hated them, but, like, I went to the big day out once on the Gold Coast, and then I went to another Yep. one Perth. I can't remember where that was. But Yeah. I just don't I don't I'd rather just go see one one like, I went to the food parties at the Suncorp, but it's the last one I went to. Wow. That Yeah. was awesome. Yep. But I just found the crowd and all the dirt and the you know, it's all dusty and anyhow. Yep. Wow. Alright. That's okay. That's absolutely fine. Beautiful. So that's all working. What sort of hours are you working at the moment? You sort of said you start early and finish a bit earlier. Are you sort of working full time hours, you know, thirty eight hour weeks or more, or what's the average hours you would be doing? Haven't really thought. I thought Probably but today was, like, five and a half hours. Yep. So I think on the quiet days, it's probably you're probably doing about five and a half, six hours, and on the busy days, you're doing about eight. Okay. So you So might have it sort two of busy depends. days and three quiet days to work at eighteen. Doing about thirty four hours a week. You as you get better at it, you get quicker at it. So it's the same with the milk. We're not supposed to start the milk. It's taking me ten hours a day, but I've got that Yes. down till about seven. Okay.","start_word":10331,"end_word":10626,"sentiment":"neutral","sentiment_score":-0.02844510187168379},{"text":"Beautiful.","start_word":10627,"end_word":10627,"sentiment":"positive","sentiment_score":0.4967487156391144},{"text":"But because you get to know your route and all that. That balance is crazy. The the council if I ever meet someone from the council, I'm gonna slap and play because oh, actually, what probably the it's what they've done in the past with the developers. They they'll have a the address will be on one street, but the units will be accessed from another street. Yep. And no one tells you. Like, no one puts Yep. it on their letter that, you know, access from this street. You know? So you you constantly go to the wrong address, Yeah.","start_word":10628,"end_word":10728,"sentiment":"neutral","sentiment_score":-0.14139340817928314},{"text":"and it's so annoying.","start_word":10729,"end_word":10732,"sentiment":"negative","sentiment_score":-0.5297368764877319},{"text":"And then the amount of houses that have numbers on, not there's no not well, you go down a section of street, there'll be four houses, no numbers on them. And you're like and And the I guess the it's the how GPS on the Australia Post the the app that they use, the GPS on it is always about thirty seconds. Yep. You're right. Wow. Yeah. Sorry. Oh my god. Well, hopefully, you find a business to purchase soon, something that, you Well, know, you're I happy was actually doing looking and at one of the ones I looked at blind that I'm interested in is is in Australia Post app. But oh, you're right. because because you just get all these commissions, and Okay. and that's just the deal with all their stuff. But you wanna see the hoops you gotta catch up through. You know? You gotta do all this stuff for them. Yeah. Yeah. I reckon it'd be it'd be a six month old deal just doing all that stuff for yeah. So Yeah. yeah. K. I Oh, gotta go. I We'll gotta have I gotta call my mom and do we need to do anything more there?","start_word":10733,"end_word":10934,"sentiment":"neutral","sentiment_score":-0.01791418687149993},{"text":"That's all good.","start_word":10935,"end_word":10937,"sentiment":"positive","sentiment_score":0.5688988566398621},{"text":"I just wanted to update a few additional things for you. Now the other thing I sort of wanted to pull up was that you don't have any life, TPD, income protection, or trauma insurances. You're comfortable with that position not having any personal insurance cover? Yeah. I've got no one to give it to. No. That's okay. Not I a I problem at I had all. I had a partner and she's moved me No. No. That's okay. All good. I've got your assets here. Your house at the moment. Last valuation was about 400,000. Would you change or alter that valuation over. at the moment or keep it the same? The last time I looked, they reckon it was around $4.95, but it's Okay. probably dropped since then. It's probably about $4.80. About $4.80. Perfect. Let's update that for you. I also have your G six E turbo, rough valuation 50,000. Would you Yep. keep it about the same or alter Yep. that Yeah. I'll have the drive. That's on the investment. I'll be value? I'll Yep. be driving.","start_word":10938,"end_word":11118,"sentiment":"neutral","sentiment_score":-0.02376970462501049},{"text":"Awesome.","start_word":11119,"end_word":11119,"sentiment":"positive","sentiment_score":0.3522721529006958},{"text":"I've got an old Ford Coupe as well at 65,000 of value. Would Yeah. you keep that the same, Alter Yeah. It? No. That's fine. Beautiful. And then we've got a Ford Ute evaluation there of 18,000. Would you alter or change that in any way, shape, Probably or form? probably dropped probably dropped that 15. It's 4 more. Yep. That's okay. Not a problem at all. And then I've also got a Nissan truck here with a valuation of 20,000. Oh, Would I don't you have alter that truck or change anymore. That that won't that need the business. one? Yep. That's alright. Is there any other assets, liabilities, or anything else that we would need to note down for the change of circumstances at all? No. I don't think so. No. That's okay.","start_word":11120,"end_word":11254,"sentiment":"neutral","sentiment_score":0.007243445018927256},{"text":"All good.","start_word":11255,"end_word":11256,"sentiment":"positive","sentiment_score":0.4117308259010315},{"text":"I've also got it noted here that we don't have a beneficiary nomination on file for you at the moment. So given your current circumstances, if you were to, say, pass away now, not having a beneficiary means that your super has no direction on where you would want that money to be paid to. Have you sort of thought about what would happen to your super if you were to pass away, where you want that to Probably to my mom. go. Yep. Yep. So I've got down here with regard to the will. So as with super, there's rules around everything. We can't nominate your mom directly as a beneficiary, but have you got a will? It looks like Oh, there was I I do. I can't even remember who. I think my brother's on that. yep. I think it So changed what? a bit, but because I had a thought with my sister-in-law, so Okay. I don't wonder who did. Yeah. You're right. Yeah. My brother is in the works. Probably just carry him in. Yep. That's okay. Hello? So with the beneficiary nomination not being on file, in order for it to sort of go to your to your mom or your brother, it does need to be directed through your, through to your will. There is a way we can nominate a beneficiary on file where we pick the legal personal representative, which just means if you were to pass away, your super balance would then be paid direct to your estate. And then as long as your will is valid, it would be directed out as per your will. Is that kind of what you would want to happen Yes. to It'll your be fine. super? Yeah. Yeah. Yep. Are you I can organize the beneficiary forms to be pre filled if you're comfortable with us picking that LPR. Did you want me to pre fill that, tick the box for you? Okay. Yep. Yep.","start_word":11257,"end_word":11587,"sentiment":"neutral","sentiment_score":-0.023493293672800064},{"text":"Beautiful. We'll get it sent out with some direction.","start_word":11588,"end_word":11596,"sentiment":"positive","sentiment_score":0.5205424427986145},{"text":"You just need to sign and return it back and have a couple of people witness it. So two people over the 18, if they can just witness you signing it, then send it back to us so we can have it, attached for you. Now there are three types of nominations you can have for a beneficiary. The first one is nonbinding, where the trustee you make the the nomination. The trustee, if you pass away, decides whether they're gonna you know, whether it's followable. It's just you know, they get to decide. They have a a binding which means that you have to update the nomination every three years, or we can do a binding non lapsing. So you fill it out now. We have it applied, and you never have to refill that format again unless you wanna change or update that nomination. Do you have Okay. a preference on which one Oh, you'd bonding wanna go with? and un lapsing. Yeah.","start_word":11597,"end_word":11761,"sentiment":"neutral","sentiment_score":0.057746052742004395},{"text":"Beautiful.","start_word":11762,"end_word":11762,"sentiment":"positive","sentiment_score":0.391706109046936},{"text":"Let's Yeah. fill it out once and once only. Hey.","start_word":11763,"end_word":11772,"sentiment":"neutral","sentiment_score":0.16532033681869507},{"text":"Lovely. I can get that nomination pre filled and ticked if you're comfortable with me doing so.","start_word":11773,"end_word":11789,"sentiment":"positive","sentiment_score":0.4052818715572357},{"text":"Are you happy with me pre filling those Yes. details in Yes. your beneficiary?","start_word":11790,"end_word":11803,"sentiment":"neutral","sentiment_score":0.1955549418926239},{"text":"Beautiful.","start_word":11804,"end_word":11804,"sentiment":"positive","sentiment_score":0.42051807045936584},{"text":"My team can email it or post it out to you or both. What would you prefer? Post, email, both? Probably did you just sign it electronically? It has to be web signed, so with a a pen and paper. Oh, okay. You can just email. I can print it. Yeah. That's Yep. fine. Yep. I'll forget Beautiful. I'll I'll forget about it in the mail. That's okay. We can get out to you and follow it up to make sure it is all applied there. On the and your review packet that I did email through, it has the information around your portfolio, how it's performed, your updated super balance there as well. It's also got the financial services guide, which has all of my information as a licensed adviser.","start_word":11805,"end_word":11935,"sentiment":"neutral","sentiment_score":0.12107515335083008},{"text":"If you wanna have a look in that, sort of lovely photo of me as well.","start_word":11936,"end_word":11951,"sentiment":"positive","sentiment_score":0.35080790519714355},{"text":"It just Mhmm. outlines everything about who we are, what we do, and how we do it. It is a legal document. I always tell people, if you have trouble sleeping one night without the FSG and not get cold in a few seconds, they are generally that boring. But it does outline everything about who we are, what we do, the services we provide there. And then it's also got your ongoing service agreement for the next twelve months. So with your balance, we've actually updated our fee structure. So once your super balance goes over the $200,000 threshold, you'll move into the lower tier. So as your balance increases over time, the the amount you pay as a percentage for our services does kinda decrease as you drop to the No. threshold. Because you're on your balance is under 200,000 at the moment, you're still on 1.65%. The main thing is our our tiered structure or our fee used to just be the 1.65% entered. We have now worked it out to be a set dollar figure fee for you, and that means that the way it used to work is when the balance went up and down, the fee would also go up and down with it, but it meant that if your balance kept increasing, our fee kept on increasing with it. The way we will work it out now is that we work out the 1.65 based on your current balance. We add a 5% return to it, and then we work out the set dollar figure fee. And that basically gives you more certainty around how much you pay for our services for the year, and the fee Mhmm. doesn't go over that amount. So if you get a 20 return on your super, you don't your fee doesn't go up anymore over that dollar figure fee for the rest of the year. Does that make sense? Yep.","start_word":11952,"end_word":12275,"sentiment":"neutral","sentiment_score":0.062419742069862505},{"text":"Yeah. The idea is it gives you a lot more certainty there. And as we build your super balance up over those thresholds, the tiers do get cheaper and cheaper for you. So we wanna make sure that we're looking after and being open with everything.","start_word":12276,"end_word":12321,"sentiment":"positive","sentiment_score":0.4339813590049744},{"text":"But the ongoing service agreement is in there for you. We've worked out for our fees for this year. It is $2,175.22. You will not pay anything more than that for our services. It's just deducted out of your super in smaller monthly increments, and we'll keep reviewing that moving forward.","start_word":12322,"end_word":12372,"sentiment":"neutral","sentiment_score":0.2329428642988205},{"text":"I would like to make sure that your super grows and makes more than that over the next year to make it worthwhile.","start_word":12373,"end_word":12395,"sentiment":"positive","sentiment_score":0.6073540449142456},{"text":"If at any point I feel like our services are not you're not getting the value out of our services, then I'll turn that fee off. But for now, I wanna make sure we're working on things and do a catch up with you and look at providing some advice down the track to help you along. Does that sound okay? Do you have any questions? No. No. I don't think Beautiful. Well, if you're do so, I'll get you to so. sign and return those documents back to me as soon as you possibly can. Other than that, I'll get the beneficiary nomination sorted for you, and I've got you down to do a catch up in February, and we'll look at how things are tracking then for you. Okay. Okay?","start_word":12396,"end_word":12527,"sentiment":"neutral","sentiment_score":0.046212706714868546},{"text":"Excellent. Thanks. Awesome.","start_word":12528,"end_word":12530,"sentiment":"positive","sentiment_score":0.657154381275177},{"text":"Yeah. Oh, if you can put a note in there, just always call me sort of after three. Absolutely. After After three or four, somewhere in there. Just because so on the busy days, I don't finish till around 03:34, so I can't answer three. my Yep. phone. No. That's absolutely fine. I can do that. That's not a problem at all. I'll make sure that that note's Yeah. in And, there hopefully, for you I'll now. answer for you. Yeah. That's okay. I'm pretty persistent. It's not a problem. Yeah. Yeah. I don't want All you good. ringing people having to ring people at 06:00 at night. So Oh, look. Honestly, I actually do work until 06:00 most nights, and one yeah. one day a week, I work until seven. So, yeah, Oh, okay. I'd like to make sure that I am available because, you know, we all work hard and long hours sometimes, and life gets busy. So having me Yep. work back that late does mean that I can take reviews and be there for you later in the afternoon if it suits if you need me to be. So that's fine. Yep.","start_word":12531,"end_word":12726,"sentiment":"neutral","sentiment_score":0.07296531647443771},{"text":"Excellent. All good.","start_word":12727,"end_word":12729,"sentiment":"positive","sentiment_score":0.4267486035823822},{"text":"Well, feel free to have a look through the documents there.","start_word":12730,"end_word":12740,"sentiment":"neutral","sentiment_score":0.2314333617687225},{"text":"Wendy, I'm happy to do so.","start_word":12741,"end_word":12746,"sentiment":"positive","sentiment_score":0.6223149299621582},{"text":"I'll get you to press the sign button or turn those back. And if you have any questions, please let me know. No worries.","start_word":12747,"end_word":12770,"sentiment":"neutral","sentiment_score":0.22242726385593417},{"text":"Thanks, Diana. Okay? No worries. You have a good afternoon. I'll let you go to call your mom. You have a great one. Yep. Thanks for your time, Peter. Appreciate it. Thanks, Tom. Thank you. Thanks. Bye. See you later.","start_word":12771,"end_word":12810,"sentiment":"positive","sentiment_score":0.630056619644165},{"text":"Bye.","start_word":12811,"end_word":12811,"sentiment":"neutral","sentiment_score":0.2697896957397461}],"average":{"sentiment":"neutral","sentiment_score":0.002167146891148229}}}}