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I was just giving you a call because I've I've run through and done all the figures and everything like that, and we're good. So what what I wanna do, essentially, to keep it nice and easy for you brain wise, I don't wanna get into the complexities of it too much, but we're still gonna keep the two accounts that we talked about. And we're gonna move the money from rest over. And what I wanna do is put 300,000 into the super fund. Okay? So that gives you that leaves you with a bit of money still in your back pocket. Yeah. Yeah. So we're gonna put 300,000 in still, and it's just the the amount of money that I'm putting into that special income account changes a little bit. Not too much, but just the amount we're putting in there changes a little bit. But you're gonna be back up on pretty nearly full pension, like, just shy of full pension. Yep. They will see most of it. So the 300 they're getting away. They're still gonna see most of it. They're not gonna see all of it. That's what they're doing right now is they're seeing all the cash that you have, and and they're going, well, you have all this cash available. Not happening. But we're gonna if we're gonna pop it into your super fund, they'll still see it in the super fund. But because it goes into this special account, it gets sheltered a little bit, and they only see a percentage of it. They only see about 60% of the money sitting there. So with us sheltering that little bit of money, that's how we're gonna get you back up to full pension. Okay? Okay. Now alright. We do them both now. And then how much are you expecting from mom's estate, I guess, is the biggest question. Yeah. Of course. Yep. Okay. Yeah. Yes. Yeah. And do you have like, it's it's it's uplifted now or soon to be? So it could be six months, could be twelve months. Yeah. It's unfortunately gonna be one of those bridge we cross when we get to it type of situation. Definitely. But for now, like, the worst thing that'll happen is we just end up putting more money into this little sheltered account, really. And that's okay. We just pop more money into that sheltered account later. Yes. Yeah. We're gonna have the two accounts. One is that we can make lump sum withdrawals if we need to, and the other is to shelter the money away from the government so we can keep our pensions. Okay. So my biggest question is where are you? Because I know that you are a bit of a pen and paper queen. No. That's okay. I'm working from home today anyway. But where because I know that you were staying with a few different people while you're up on the Coast. Where are you staying at the moment, like, next week? Okay. Madhurima. Next week. Yeah. Okay. So if I say come in oh, I should probably look at my calendar before I start making promises. Yeah. Well, what day works for you next week that we can catch up? And I'm happy to meet you out, and we can have a coffee together if you'd like. My shout. So do you wanna just go, like, Monday or Tuesday? Okay. Alright. Well, do you wanna go Tuesday morning? Say Tuesday, ten AM? Oh, what are you what's the oh, what? Okay. And where do you want to meet? How about I will find a cafe down around your area, and I can send you a text with the address. That work? Yeah. That's fine. Yep. Yes. Yep. Yep. Yep. Yep. Okay. Perfect. Well, then let's do that. 10:00 on Tuesday. We'll meet at Bookness. Oh my god. It's like a little library. Oh, stop. You won't get me out of there. Oh, my husband's gonna kill me if I come home with everything, but that's okay. I might have perfect. Alright. And I'll bring all the documents. We can sign them all, and we can get everything done and dusted. Alright, my love? Yep. Alright. I will see you next Tuesday then, darling. No. That's okay. 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Kim. How are you going? It's delivered to Ceramic View. How are you doing, hon? That's good.\n\nI was just giving you a call because I've I've run through and done all the figures and everything like that, and we're good. So what what I wanna do, essentially, to keep it nice and easy for you brain wise, I don't wanna get into the complexities of it too much, but we're still gonna keep the two accounts that we talked about. And we're gonna move the money from rest over. And what I wanna do is put 300,000 into the super fund. Okay?\n\nSo that gives you that leaves you with a bit of money still in your back pocket. Yeah. Yeah. So we're gonna put 300,000 in still, and it's just the the amount of money that I'm putting into that special income account changes a little bit. Not too much, but just the amount we're putting in there changes a little bit.\n\nBut you're gonna be back up on pretty nearly full pension, like, just shy of full pension. Yep. They will see most of it. So the 300 they're getting away. They're still gonna see most of it.\n\nThey're not gonna see all of it. That's what they're doing right now is they're seeing all the cash that you have, and and they're going, well, you have all this cash available. Not happening. But we're gonna if we're gonna pop it into your super fund, they'll still see it in the super fund. But because it goes into this special account, it gets sheltered a little bit, and they only see a percentage of it.\n\nThey only see about 60% of the money sitting there. So with us sheltering that little bit of money, that's how we're gonna get you back up to full pension. Okay? Okay. Now alright.\n\nWe do them both now. And then how much are you expecting from mom's estate, I guess, is the biggest question. Yeah. Of course. Yep.\n\nOkay. Yeah. Yes. Yeah. And do you have like, it's it's it's uplifted now or soon to be?\n\nSo it could be six months, could be twelve months. Yeah. It's unfortunately gonna be one of those bridge we cross when we get to it type of situation. Definitely. But for now, like, the worst thing that'll happen is we just end up putting more money into this little sheltered account, really.\n\nAnd that's okay. We just pop more money into that sheltered account later. Yes. Yeah. We're gonna have the two accounts.\n\nOne is that we can make lump sum withdrawals if we need to, and the other is to shelter the money away from the government so we can keep our pensions. Okay. So my biggest question is where are you? Because I know that you are a bit of a pen and paper queen. No.\n\nThat's okay. I'm working from home today anyway. But where because I know that you were staying with a few different people while you're up on the Coast. Where are you staying at the moment, like, next week? Okay.\n\nMadhurima. Next week. Yeah. Okay. So if I say come in oh, I should probably look at my calendar before I start making promises.\n\nYeah. Well, what day works for you next week that we can catch up? And I'm happy to meet you out, and we can have a coffee together if you'd like. My shout. So do you wanna just go, like, Monday or Tuesday?\n\nOkay. Alright. Well, do you wanna go Tuesday morning? Say Tuesday, ten AM? Oh, what are you what's the oh, what?\n\nOkay. And where do you want to meet? How about I will find a cafe down around your area, and I can send you a text with the address. That work? Yeah.\n\nThat's fine. Yep. Yes. Yep. Yep.\n\nYep. Yep. Okay. Perfect. Well, then let's do that.\n\n10:00 on Tuesday. We'll meet at Bookness. Oh my god. It's like a little library. Oh, stop.\n\nYou won't get me out of there. Oh, my husband's gonna kill me if I come home with everything, but that's okay. I might have perfect. Alright. And I'll bring all the documents.\n\nWe can sign them all, and we can get everything done and dusted. Alright, my love? Yep. Alright. I will see you next Tuesday then, darling.\n\nNo. That's okay. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Kim.","start":1.8399999,"end":2.56,"sentiment":"neutral","sentiment_score":0.1824905127286911},{"text":"How are you going?","start":2.56,"end":3.04,"sentiment":"neutral","sentiment_score":0.23965930193662643},{"text":"It's delivered to Ceramic View.","start":3.04,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.1285067617893219},{"text":"How are you doing, hon?","start":7.9199996,"end":9.059999,"sentiment":"neutral","sentiment_score":0.28313257098197936},{"text":"That's good.","start":11.36,"end":12.34,"sentiment":"positive","sentiment_score":0.8134168982505798}],"sentiment":"neutral","sentiment_score":0.27825826075341964,"num_words":18,"start":1.8399999,"end":12.34},{"sentences":[{"text":"I was just giving you a call because I've I've run through and done all the figures and everything like that, and we're good.","start":15.525,"end":23.225,"sentiment":"positive","sentiment_score":0.5506082189579805},{"text":"So what what I wanna do, essentially, to keep it nice and easy for you brain wise, I don't wanna get into the complexities of it too much, but we're still gonna keep the two accounts that we talked about.","start":23.525,"end":37.52,"sentiment":"neutral","sentiment_score":0.29855350162833927},{"text":"And we're gonna move the money from rest over.","start":39.02,"end":43.835,"sentiment":"neutral","sentiment_score":0.2359939051998986},{"text":"And what I wanna do is put 300,000 into the super fund.","start":44.375,"end":51.195,"sentiment":"neutral","sentiment_score":0.25548387318849564},{"text":"Okay?","start":51.895,"end":52.395,"sentiment":"neutral","sentiment_score":0.2265344113111496}],"sentiment":"positive","sentiment_score":0.3555002715871778,"num_words":86,"start":15.525,"end":52.395},{"sentences":[{"text":"So that gives you that leaves you with a bit of money still in your back pocket.","start":53.655,"end":59.18,"sentiment":"positive","sentiment_score":0.40360356604351716},{"text":"Yeah.","start":63.4,"end":63.9,"sentiment":"neutral","sentiment_score":0.04457079619169235},{"text":"Yeah.","start":65.16,"end":65.64,"sentiment":"neutral","sentiment_score":0.08668418228626251},{"text":"So we're gonna put 300,000 in still, and it's just the the amount of money that I'm putting into that special income account changes a little bit.","start":65.64,"end":75.755,"sentiment":"neutral","sentiment_score":0.10259123981274941},{"text":"Not too much, but just the amount we're putting in there changes a little bit.","start":75.755,"end":79.775,"sentiment":"neutral","sentiment_score":0.013180693238973617}],"sentiment":"neutral","sentiment_score":0.1632817946679768,"num_words":61,"start":53.655,"end":79.775},{"sentences":[{"text":"But you're gonna be back up on pretty nearly full pension, like, just shy of full pension.","start":80.715,"end":87.9,"sentiment":"neutral","sentiment_score":0.05926132925293025},{"text":"Yep.","start":91.8,"end":92.3,"sentiment":"neutral","sentiment_score":0.010423166677355766},{"text":"They will see most of it.","start":99.225,"end":102.205,"sentiment":"neutral","sentiment_score":-0.1559448018670082},{"text":"So the 300 they're getting away.","start":105.065,"end":106.905,"sentiment":"neutral","sentiment_score":-0.2033235232035319},{"text":"They're still gonna see most of it.","start":106.905,"end":108.685,"sentiment":"neutral","sentiment_score":-0.1256254698548998}],"sentiment":"neutral","sentiment_score":-0.05451682366028025,"num_words":37,"start":80.715,"end":108.685},{"sentences":[{"text":"They're not gonna see all of it.","start":109.18,"end":110.96,"sentiment":"neutral","sentiment_score":-0.18061165937355586},{"text":"That's what they're doing right now is they're seeing all the cash that you have, and and they're going, well, you have all this cash available.","start":132.135,"end":139.95,"sentiment":"neutral","sentiment_score":0.0711361299483822},{"text":"Not happening.","start":140.17,"end":140.91,"sentiment":"neutral","sentiment_score":-0.09949139505624771},{"text":"But we're gonna if we're gonna pop it into your super fund, they'll still see it in the super fund.","start":141.53,"end":145.53,"sentiment":"neutral","sentiment_score":0.15332397688180208},{"text":"But because it goes into this special account, it gets sheltered a little bit, and they only see a percentage of it.","start":145.53,"end":152.125,"sentiment":"neutral","sentiment_score":0.08514908523383466}],"sentiment":"neutral","sentiment_score":0.0691692777365059,"num_words":77,"start":109.18,"end":152.125},{"sentences":[{"text":"They only see about 60% of the money sitting there.","start":152.665,"end":155.405,"sentiment":"neutral","sentiment_score":0.0989809736609459},{"text":"So with us sheltering that little bit of money, that's how we're gonna get you back up to full pension.","start":158.505,"end":163.82999,"sentiment":"positive","sentiment_score":0.6366528511047364},{"text":"Okay?","start":163.89,"end":164.39,"sentiment":"neutral","sentiment_score":0.29816776514053345},{"text":"Okay.","start":165.73,"end":166.12999,"sentiment":"neutral","sentiment_score":0.1702609658241272},{"text":"Now alright.","start":166.12999,"end":174.93,"sentiment":"neutral","sentiment_score":0.16913701593875885}],"sentiment":"positive","sentiment_score":0.4273402800454813,"num_words":34,"start":152.665,"end":174.93},{"sentences":[{"text":"We do them both now.","start":174.93,"end":176.39,"sentiment":"neutral","sentiment_score":0.15425964593887329},{"text":"And then how much are you expecting from mom's estate, I guess, is the biggest question.","start":176.45,"end":184.205,"sentiment":"neutral","sentiment_score":0.02938082185573876},{"text":"Yeah.","start":186.825,"end":187.325,"sentiment":"neutral","sentiment_score":-0.13075602054595947},{"text":"Of course.","start":204.31999,"end":204.98,"sentiment":"neutral","sentiment_score":-0.04100186936557293},{"text":"Yep.","start":211.695,"end":212.195,"sentiment":"neutral","sentiment_score":0.0009641486103646456}],"sentiment":"neutral","sentiment_score":0.041183830748777836,"num_words":25,"start":174.93,"end":212.195},{"sentences":[{"text":"Okay.","start":217.13501,"end":217.63501,"sentiment":"neutral","sentiment_score":0.054254986345767975},{"text":"Yeah.","start":253.21,"end":253.71,"sentiment":"neutral","sentiment_score":0.01900479197502136},{"text":"Yes.","start":275.09,"end":275.59,"sentiment":"neutral","sentiment_score":-0.00446598045527935},{"text":"Yeah.","start":289.985,"end":290.485,"sentiment":"neutral","sentiment_score":0.012323149479925632},{"text":"And do you have like, it's it's it's uplifted now or soon to be?","start":290.625,"end":295.52,"sentiment":"neutral","sentiment_score":0.00016930535327576633}],"sentiment":"neutral","sentiment_score":0.0046381790161831304,"num_words":18,"start":217.13501,"end":295.52},{"sentences":[{"text":"So it could be six months, could be twelve months.","start":299.02,"end":301.12,"sentiment":"neutral","sentiment_score":0.02152413371950388},{"text":"Yeah.","start":307.355,"end":307.855,"sentiment":"neutral","sentiment_score":-0.1469571739435196},{"text":"It's unfortunately gonna be one of those bridge we cross when we get to it type of situation.","start":308.71503,"end":314.815,"sentiment":"negative","sentiment_score":-0.38947831094264984},{"text":"Definitely.","start":316.23502,"end":316.73502,"sentiment":"neutral","sentiment_score":-0.08783438801765442},{"text":"But for now, like, the worst thing that'll happen is we just end up putting more money into this little sheltered account, really.","start":317.755,"end":323.93,"sentiment":"neutral","sentiment_score":-0.27493424260098004}],"sentiment":"neutral","sentiment_score":-0.25195561135012023,"num_words":53,"start":299.02,"end":323.93},{"sentences":[{"text":"And that's okay.","start":326.55002,"end":327.45,"sentiment":"neutral","sentiment_score":0.07180848717689514},{"text":"We just pop more money into that sheltered account later.","start":328.07,"end":330.49002,"sentiment":"neutral","sentiment_score":0.06669595390558243},{"text":"Yes.","start":336.005,"end":336.32498,"sentiment":"neutral","sentiment_score":0.10444691777229308},{"text":"Yeah.","start":336.32498,"end":336.485,"sentiment":"neutral","sentiment_score":0.11027071624994278},{"text":"We're gonna have the two accounts.","start":336.485,"end":337.865,"sentiment":"neutral","sentiment_score":0.11865058665474255}],"sentiment":"neutral","sentiment_score":0.08614315021605719,"num_words":21,"start":326.55002,"end":337.865},{"sentences":[{"text":"One is that we can make lump sum withdrawals if we need to, and the other is to shelter the money away from the government so we can keep our pensions.","start":337.925,"end":345.94498,"sentiment":"neutral","sentiment_score":0.05340382096267516},{"text":"Okay.","start":350.72,"end":351.22,"sentiment":"neutral","sentiment_score":0.20237654447555545},{"text":"So my biggest question is where are you?","start":351.28,"end":354.24,"sentiment":"neutral","sentiment_score":-0.010009800549596548},{"text":"Because I know that you are a bit of a pen and paper queen.","start":354.24,"end":356.81998,"sentiment":"neutral","sentiment_score":-0.07635723214064326},{"text":"No.","start":362.095,"end":362.415,"sentiment":"neutral","sentiment_score":-0.11088517308235168}],"sentiment":"neutral","sentiment_score":0.010871457579461011,"num_words":55,"start":337.925,"end":362.415},{"sentences":[{"text":"That's okay.","start":362.415,"end":363.23502,"sentiment":"neutral","sentiment_score":-0.02431408502161503},{"text":"I'm working from home today anyway.","start":363.535,"end":365.395,"sentiment":"neutral","sentiment_score":0.06405050990482171},{"text":"But where because I know that you were staying with a few different people while you're up on the Coast.","start":365.855,"end":370.675,"sentiment":"neutral","sentiment_score":0.021960752550512552},{"text":"Where are you staying at the moment, like, next week?","start":371.055,"end":374.01,"sentiment":"neutral","sentiment_score":-0.004276439733803272},{"text":"Okay.","start":380.49002,"end":380.97,"sentiment":"neutral","sentiment_score":0.07362038642168045}],"sentiment":"neutral","sentiment_score":0.020660152037938435,"num_words":39,"start":362.415,"end":380.97},{"sentences":[{"text":"Madhurima.","start":380.97,"end":381.47,"sentiment":"neutral","sentiment_score":0.0892520621418953},{"text":"Next week.","start":382.01,"end":382.83002,"sentiment":"neutral","sentiment_score":0.09089403599500656},{"text":"Yeah.","start":393.54498,"end":393.705,"sentiment":"neutral","sentiment_score":0.09668292850255966},{"text":"Okay.","start":393.705,"end":394.205,"sentiment":"neutral","sentiment_score":0.09766997396945952},{"text":"So if I say come in oh, I should probably look at my calendar before I start making promises.","start":394.345,"end":399.32498,"sentiment":"neutral","sentiment_score":0.09096956998109818}],"sentiment":"neutral","sentiment_score":0.09140895276019971,"num_words":24,"start":380.97,"end":399.32498},{"sentences":[{"text":"Yeah.","start":403.04,"end":403.52002,"sentiment":"neutral","sentiment_score":0.14770571887493134},{"text":"Well, what day works for you next week that we can catch up?","start":403.52002,"end":406.4,"sentiment":"neutral","sentiment_score":0.28492239117622375},{"text":"And I'm happy to meet you out, and we can have a coffee together if you'd like.","start":406.4,"end":409.28,"sentiment":"positive","sentiment_score":0.6017566375872668},{"text":"My shout.","start":409.28,"end":410.02002,"sentiment":"neutral","sentiment_score":0.14962831139564514},{"text":"So do you wanna just go, like, Monday or Tuesday?","start":427.515,"end":429.61502,"sentiment":"neutral","sentiment_score":0.02165223639458418}],"sentiment":"positive","sentiment_score":0.3394729913927095,"num_words":43,"start":403.04,"end":429.61502},{"sentences":[{"text":"Okay.","start":437.38,"end":437.88,"sentiment":"neutral","sentiment_score":0.05902735888957977},{"text":"Alright.","start":441.86,"end":442.18,"sentiment":"neutral","sentiment_score":0.05921146273612976},{"text":"Well, do you wanna go Tuesday morning?","start":442.18,"end":443.88,"sentiment":"neutral","sentiment_score":0.04426802322268486},{"text":"Say Tuesday, ten AM?","start":459.88,"end":466.08,"sentiment":"neutral","sentiment_score":0.044410805217921734},{"text":"Oh, what are you what's the oh, what?","start":467.47998,"end":472.055,"sentiment":"neutral","sentiment_score":0.044968823436647654}],"sentiment":"neutral","sentiment_score":0.045976609169017704,"num_words":21,"start":437.38,"end":472.055},{"sentences":[{"text":"Okay.","start":474.675,"end":475.175,"sentiment":"neutral","sentiment_score":0.13806049525737762},{"text":"And where do you want to meet?","start":476.115,"end":477.895,"sentiment":"neutral","sentiment_score":0.07643390340464455},{"text":"How about I will find a cafe down around your area, and I can send you a text with the address.","start":483.62,"end":490.12,"sentiment":"neutral","sentiment_score":0.13407778527055467},{"text":"That work?","start":494.42,"end":495.08002,"sentiment":"neutral","sentiment_score":0.09431709349155426},{"text":"Yeah.","start":500.91498,"end":501.235,"sentiment":"neutral","sentiment_score":0.13528859615325928}],"sentiment":"neutral","sentiment_score":0.11914544040337205,"num_words":32,"start":474.675,"end":501.235},{"sentences":[{"text":"That's fine.","start":501.235,"end":501.975,"sentiment":"neutral","sentiment_score":0.24714656919240952},{"text":"Yep.","start":528.855,"end":529.355,"sentiment":"neutral","sentiment_score":0.07642951607704163},{"text":"Yes.","start":529.495,"end":529.735,"sentiment":"neutral","sentiment_score":0.0935545265674591},{"text":"Yep.","start":529.735,"end":529.895,"sentiment":"neutral","sentiment_score":0.07926163077354431},{"text":"Yep.","start":529.895,"end":530.055,"sentiment":"neutral","sentiment_score":0.08739154040813446}],"sentiment":"neutral","sentiment_score":0.1384883920351664,"num_words":6,"start":501.235,"end":530.055},{"sentences":[{"text":"Yep.","start":530.055,"end":530.215,"sentiment":"neutral","sentiment_score":0.09175439924001694},{"text":"Yep.","start":530.215,"end":530.715,"sentiment":"neutral","sentiment_score":0.09719593822956084},{"text":"Okay.","start":530.935,"end":531.435,"sentiment":"neutral","sentiment_score":0.14457011222839355},{"text":"Perfect.","start":534.87,"end":535.35004,"sentiment":"positive","sentiment_score":0.416470468044281},{"text":"Well, then let's do that.","start":535.35004,"end":536.23004,"sentiment":"neutral","sentiment_score":0.12437860816717147}],"sentiment":"neutral","sentiment_score":0.1524315509531233,"num_words":9,"start":530.055,"end":536.23004},{"sentences":[{"text":"10:00 on Tuesday.","start":536.23004,"end":538.25,"sentiment":"neutral","sentiment_score":0.05609689404567083},{"text":"We'll meet at Bookness.","start":538.47003,"end":539.53,"sentiment":"neutral","sentiment_score":0.07104534097015858},{"text":"Oh my god.","start":540.63,"end":541.19,"sentiment":"neutral","sentiment_score":0.058778345584869385},{"text":"It's like a little library.","start":541.19,"end":542.41003,"sentiment":"neutral","sentiment_score":0.10384718775749206},{"text":"Oh, stop.","start":542.71,"end":543.43,"sentiment":"neutral","sentiment_score":0.07582194730639458}],"sentiment":"neutral","sentiment_score":0.07645217153955908,"num_words":17,"start":536.23004,"end":543.43},{"sentences":[{"text":"You won't get me out of there.","start":543.43,"end":544.89,"sentiment":"neutral","sentiment_score":0.03827411947505815},{"text":"Oh, my husband's gonna kill me if I come home with everything, but that's okay.","start":551.635,"end":554.515,"sentiment":"neutral","sentiment_score":-0.09750359728932381},{"text":"I might have perfect.","start":554.515,"end":560.23,"sentiment":"neutral","sentiment_score":0.2828996330499649},{"text":"Alright.","start":560.61,"end":560.93,"sentiment":"neutral","sentiment_score":0.2565719485282898},{"text":"And I'll bring all the documents.","start":560.93,"end":562.13,"sentiment":"neutral","sentiment_score":0.2200958381096522}],"sentiment":"neutral","sentiment_score":0.0458821329203519,"num_words":33,"start":543.43,"end":562.13},{"sentences":[{"text":"We can sign them all, and we can get everything done and dusted.","start":562.13,"end":564.29,"sentiment":"neutral","sentiment_score":0.24199852920495546},{"text":"Alright, my love?","start":564.29,"end":565.19,"sentiment":"positive","sentiment_score":0.4271114965279897},{"text":"Yep.","start":569.08997,"end":569.58997,"sentiment":"neutral","sentiment_score":0.2827144265174866},{"text":"Alright.","start":570.13,"end":570.44995,"sentiment":"neutral","sentiment_score":0.3215903043746948},{"text":"I will see you next Tuesday then, darling.","start":570.44995,"end":572.70996,"sentiment":"positive","sentiment_score":0.40343670174479485}],"sentiment":"neutral","sentiment_score":0.31765821977303577,"num_words":26,"start":562.13,"end":572.70996},{"sentences":[{"text":"No.","start":575.75494,"end":575.99493,"sentiment":"neutral","sentiment_score":-0.14040301740169525},{"text":"That's okay.","start":575.99493,"end":576.89496,"sentiment":"neutral","sentiment_score":0.05224451422691345},{"text":"Bye.","start":577.3549,"end":577.8549,"sentiment":"neutral","sentiment_score":0.08831538259983063}],"sentiment":"neutral","sentiment_score":0.01310034841299057,"num_words":4,"start":575.75494,"end":577.8549}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Hi. I'm good. Yeah. Yes. Because that was what we originally discussed. That 300. Yep. Okay. Okay. Now so this money that we're putting away is 3 100. Does does the government calculate that when they calculate your pension? So yeah. Okay. So that's that's what I was wondering. I know you said my pension will go down a little bit. So I was wondering whether they see, like, they even though it's sort of hidden, for instance, they actually know I've got it so that did they base that on, well, let's only give you this much pension? Yeah. Of course. Yeah. Okay. Alright. Okay. So that sounds alright. Yep. Yep. So do we need to do both these accounts now, or should we wait till what I end up from my mother's estate? Honestly, I honestly don't know. We're not sure on on, like, the value that they're going for at the moment. And then, of course, you don't get it all because it's been one of those retirement villages that they take most of it anyway. And I I don't know exactly. Say say it might sell for 800,000. Who knows? We're not sure. But I'm not sure on the the percentage that they keep. So I do know that there was a garage which was separate, and my sister and husband said, look. Yes. Put the money into the garage because that always adds value, especially in those retirement villages. And they said what we would do is they just decided they would rent the garage from her because she didn't need it. But they said that will give you and they used it for storage. So that gave her that bit of extra income on top of her pension, but that was just like a cash thing. Now so say I forget how much. Actually bought it for $10 at the time, and it's probably worth about, I don't know, 30 or 50 now. Well, the retirement village has actually said, okay. It may be worth, say, 30 now, but you only get a third of what you bought it for. Like, that's how they work. Yeah. They rip you off. But yeah. So I don't know. There is a garage. There is a unit, and I honestly couldn't tell you until we know it's sold. Yeah. That that's that's all in the process now. Yes. It could be. It could be. Yeah. And it could be $200. It could be 100. I honestly don't know. Yeah. Yeah. Yeah. Okay. Alright. Okay. Alright. No. That's fine. Because I know we were gonna have two accounts. Yeah. Yeah. Yep. Yes. Yes. Okay. Sounds good. Oh, I'm actually out at lunch at the moment. Yeah. Okay. I'm really quick at the moment, then I'll be moving to just the back of Mudryvale. Yep. So I'm I'm sort of local. I'm staying sort of around the area that will get me to the gym, and I still go and do my volunteering while I'm up here, which is at Reedy Creek. Yeah. So, yes, if we did need to catch up, that's fine while I'm up here. Pretty much any day. I think I'm moving from one place to the next on Thursday, so that would be a bit of a drama. Wednesday, I'll do my volunteer day. So what about that happening? We could do Tuesday. Probably choose probably the Tuesday or Friday, I'd probably be more free. Or Tuesday anyway. Yeah. Yeah. Yeah. Midmorning or something. What about that happening if Tuesday? No. That should be right. That should work. Yes. That should be fine. Yeah. Yep. Yeah. Ten, 10:30, whatever. That sounds good. Whatever suits you. Yeah. Yeah. Yeah. Did you like, do you wanna travel to Manjibar? Because you're based in Southport. It's up to you. Because there is a nice little there is there is a nice little cafe at luxury bar, actually. It's called it's called Bookmas. So it's a little shop. We book they sell bits and pieces, and it's a little cafe. And it's in it's in that village, you know, Railway Street. Yeah. Yeah. That's that's in there. That's, like, a nice little cafe. Okay. Oh, yeah. You can buy little little knickknacks and you can buy books and yeah. It's a cute little place. Yeah. Yeah. Alright. Okay. Well, we'll do that. That sounds good. Okay. Alright. And just confirm all our figures. Yep. Sounds good. Okay. Alright. Okay. Thank you. Okay. 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Yeah. Hi. I'm good. Yeah.\n\nYes. Because that was what we originally discussed. That 300. Yep. Okay.\n\nOkay. Now so this money that we're putting away is 3 100. Does does the government calculate that when they calculate your pension? So yeah. Okay.\n\nSo that's that's what I was wondering. I know you said my pension will go down a little bit. So I was wondering whether they see, like, they even though it's sort of hidden, for instance, they actually know I've got it so that did they base that on, well, let's only give you this much pension? Yeah. Of course.\n\nYeah. Okay. Alright. Okay. So that sounds alright.\n\nYep. Yep. So do we need to do both these accounts now, or should we wait till what I end up from my mother's estate? Honestly, I honestly don't know. We're not sure on on, like, the value that they're going for at the moment.\n\nAnd then, of course, you don't get it all because it's been one of those retirement villages that they take most of it anyway. And I I don't know exactly. Say say it might sell for 800,000. Who knows? We're not sure.\n\nBut I'm not sure on the the percentage that they keep. So I do know that there was a garage which was separate, and my sister and husband said, look. Yes. Put the money into the garage because that always adds value, especially in those retirement villages. And they said what we would do is they just decided they would rent the garage from her because she didn't need it.\n\nBut they said that will give you and they used it for storage. So that gave her that bit of extra income on top of her pension, but that was just like a cash thing. Now so say I forget how much. Actually bought it for $10 at the time, and it's probably worth about, I don't know, 30 or 50 now. Well, the retirement village has actually said, okay.\n\nIt may be worth, say, 30 now, but you only get a third of what you bought it for. Like, that's how they work. Yeah. They rip you off. But yeah.\n\nSo I don't know. There is a garage. There is a unit, and I honestly couldn't tell you until we know it's sold. Yeah. That that's that's all in the process now.\n\nYes. It could be. It could be. Yeah. And it could be $200.\n\nIt could be 100. I honestly don't know. Yeah. Yeah. Yeah.\n\nOkay. Alright. Okay. Alright. No.\n\nThat's fine. Because I know we were gonna have two accounts. Yeah. Yeah. Yep.\n\nYes. Yes. Okay. Sounds good. Oh, I'm actually out at lunch at the moment.\n\nYeah. Okay. I'm really quick at the moment, then I'll be moving to just the back of Mudryvale. Yep. So I'm I'm sort of local.\n\nI'm staying sort of around the area that will get me to the gym, and I still go and do my volunteering while I'm up here, which is at Reedy Creek. Yeah. So, yes, if we did need to catch up, that's fine while I'm up here. Pretty much any day. I think I'm moving from one place to the next on Thursday, so that would be a bit of a drama.\n\nWednesday, I'll do my volunteer day. So what about that happening? We could do Tuesday. Probably choose probably the Tuesday or Friday, I'd probably be more free. Or Tuesday anyway.\n\nYeah. Yeah. Yeah. Midmorning or something. What about that happening if Tuesday?\n\nNo. That should be right. That should work. Yes. That should be fine.\n\nYeah. Yep. Yeah. Ten, 10:30, whatever. That sounds good.\n\nWhatever suits you. Yeah. Yeah. Yeah. Did you like, do you wanna travel to Manjibar?\n\nBecause you're based in Southport. It's up to you. Because there is a nice little there is there is a nice little cafe at luxury bar, actually. It's called it's called Bookmas. So it's a little shop.\n\nWe book they sell bits and pieces, and it's a little cafe. And it's in it's in that village, you know, Railway Street. Yeah. Yeah. That's that's in there.\n\nThat's, like, a nice little cafe. Okay. Oh, yeah. You can buy little little knickknacks and you can buy books and yeah. It's a cute little place.\n\nYeah. Yeah. Alright. Okay. Well, we'll do that.\n\nThat sounds good. Okay. Alright. And just confirm all our figures. Yep.\n\nSounds good. Okay. Alright. Okay. Thank you.\n\nOkay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.04193805158138275},{"text":"Yeah.","start":5.12,"end":5.6,"sentiment":"neutral","sentiment_score":0.12023784965276718},{"text":"Hi.","start":5.6,"end":6.1,"sentiment":"neutral","sentiment_score":0.13179737329483032},{"text":"I'm good.","start":9.599999,"end":10.42,"sentiment":"positive","sentiment_score":0.705849289894104},{"text":"Yeah.","start":38.02,"end":38.505,"sentiment":"neutral","sentiment_score":0.20301957428455353}],"sentiment":"neutral","sentiment_score":0.3181152381002903,"num_words":6,"start":0.48,"end":38.505},{"sentences":[{"text":"Yes.","start":59.68,"end":60.0,"sentiment":"neutral","sentiment_score":0.12702161073684692},{"text":"Because that was what we originally discussed.","start":60.0,"end":62.1,"sentiment":"neutral","sentiment_score":0.09209405737263816},{"text":"That 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yeah.","start":105.425,"end":109.44,"sentiment":"neutral","sentiment_score":-0.11886073276400566},{"text":"Okay.","start":111.9,"end":112.38,"sentiment":"neutral","sentiment_score":-0.01881161332130432}],"sentiment":"neutral","sentiment_score":-0.029239603533194616,"num_words":26,"start":88.439995,"end":112.38},{"sentences":[{"text":"So that's that's what I was wondering.","start":112.38,"end":113.979996,"sentiment":"neutral","sentiment_score":-0.033501187073332925},{"text":"I know you said my pension will go down a little bit.","start":113.979996,"end":116.56,"sentiment":"neutral","sentiment_score":-0.21685723649958769},{"text":"So I was wondering whether they see, like, they even though it's sort of hidden, for instance, they actually know I've got it so that did they base that on, well, let's only give you this much 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alright.","start":155.995,"end":157.215,"sentiment":"positive","sentiment_score":0.46530745178461075}],"sentiment":"neutral","sentiment_score":0.307240407448262,"num_words":8,"start":141.65,"end":157.215},{"sentences":[{"text":"Yep.","start":164.33,"end":164.81,"sentiment":"neutral","sentiment_score":0.29068467020988464},{"text":"Yep.","start":164.81,"end":165.31,"sentiment":"neutral","sentiment_score":0.22584521770477295},{"text":"So do we need to do both these accounts now, or should we wait till what I end up from my mother's estate?","start":165.93001,"end":183.625,"sentiment":"neutral","sentiment_score":0.11885150441009065},{"text":"Honestly, I honestly don't know.","start":183.845,"end":186.02501,"sentiment":"neutral","sentiment_score":-0.19675249755382537},{"text":"We're not sure on on, like, the value that they're going for at the moment.","start":188.06999,"end":193.45,"sentiment":"neutral","sentiment_score":-0.1820385828614235}],"sentiment":"neutral","sentiment_score":-0.010316149807638592,"num_words":45,"start":164.33,"end":193.45},{"sentences":[{"text":"And then, of course, you don't get it all because it's been one of those retirement villages that they take most of it anyway.","start":193.83,"end":201.37,"sentiment":"neutral","sentiment_score":-0.10808994434773922},{"text":"And I I don't know exactly.","start":204.285,"end":205.905,"sentiment":"neutral","sentiment_score":-0.08923455451925595},{"text":"Say say it might sell for 800,000.","start":206.285,"end":209.405,"sentiment":"neutral","sentiment_score":-0.08202172496489116},{"text":"Who knows?","start":209.405,"end":209.885,"sentiment":"neutral","sentiment_score":-0.08844590559601784},{"text":"We're not sure.","start":209.885,"end":210.785,"sentiment":"neutral","sentiment_score":-0.10681742926438649}],"sentiment":"neutral","sentiment_score":-0.10002528964763596,"num_words":42,"start":193.83,"end":210.785},{"sentences":[{"text":"But I'm not sure on the the percentage that they keep.","start":211.165,"end":215.46,"sentiment":"neutral","sentiment_score":-0.04338922368531877},{"text":"So I do know that there was a garage which was separate, and my sister and husband said, look.","start":218.5,"end":225.94,"sentiment":"neutral","sentiment_score":0.09735053483592837},{"text":"Yes.","start":225.94,"end":226.44,"sentiment":"neutral","sentiment_score":0.21680879592895508},{"text":"Put the money into the garage because that always adds value, especially in those retirement villages.","start":227.14,"end":233.995,"sentiment":"positive","sentiment_score":0.4322964223101735},{"text":"And they said what we would do is they just decided they would rent the garage from her because she didn't need it.","start":234.375,"end":243.45,"sentiment":"neutral","sentiment_score":0.0985313490357088}],"sentiment":"neutral","sentiment_score":0.1538878754579595,"num_words":70,"start":211.165,"end":243.45},{"sentences":[{"text":"But they said that will give you and they used it for storage.","start":243.77,"end":247.15,"sentiment":"neutral","sentiment_score":0.15662283163804275},{"text":"So that gave her that bit of extra income on top of her pension, but that was just like a cash thing.","start":247.20999,"end":252.59,"sentiment":"neutral","sentiment_score":0.0769879472526637},{"text":"Now so say I forget how much.","start":253.53,"end":256.775,"sentiment":"neutral","sentiment_score":-0.021350464916654995},{"text":"Actually bought it for $10 at the time, and it's probably worth about, I don't know, 30 or 50 now.","start":256.835,"end":263.335,"sentiment":"neutral","sentiment_score":-0.0083484529517591},{"text":"Well, the retirement village has actually said, okay.","start":263.475,"end":266.535,"sentiment":"neutral","sentiment_score":-0.05580098554491997}],"sentiment":"neutral","sentiment_score":0.04238573504345758,"num_words":70,"start":243.77,"end":266.535},{"sentences":[{"text":"It may be worth, say, 30 now, but you only get a third of what you bought it for.","start":266.675,"end":274.63,"sentiment":"neutral","sentiment_score":-0.07691201783324543},{"text":"Like, that's how they work.","start":275.73,"end":277.41,"sentiment":"neutral","sentiment_score":-0.06753504946827889},{"text":"Yeah.","start":277.41,"end":277.65,"sentiment":"negative","sentiment_score":-0.41685348749160767},{"text":"They rip you off.","start":277.65,"end":278.93,"sentiment":"negative","sentiment_score":-0.7273992747068405},{"text":"But yeah.","start":278.93,"end":279.49,"sentiment":"neutral","sentiment_score":-0.3225570172071457}],"sentiment":"neutral","sentiment_score":-0.18614736151310704,"num_words":31,"start":266.675,"end":279.49},{"sentences":[{"text":"So I don't know.","start":279.49,"end":280.85,"sentiment":"neutral","sentiment_score":-0.206279419362545},{"text":"There is a garage.","start":280.85,"end":281.88998,"sentiment":"neutral","sentiment_score":-0.07755627855658531},{"text":"There is a unit, and I honestly couldn't tell you until we know it's sold.","start":281.88998,"end":287.585,"sentiment":"neutral","sentiment_score":-0.14909602577487627},{"text":"Yeah.","start":288.92502,"end":289.42502,"sentiment":"neutral","sentiment_score":0.008681654930114746},{"text":"That that's that's all in the process now.","start":294.765,"end":297.245,"sentiment":"neutral","sentiment_score":-0.014649042277596891}],"sentiment":"neutral","sentiment_score":-0.10875918317469768,"num_words":32,"start":279.49,"end":297.245},{"sentences":[{"text":"Yes.","start":297.245,"end":297.51,"sentiment":"neutral","sentiment_score":0.04227287322282791},{"text":"It could be.","start":301.19,"end":301.83002,"sentiment":"neutral","sentiment_score":0.02049320563673973},{"text":"It could be.","start":301.83002,"end":302.63,"sentiment":"neutral","sentiment_score":0.0187210775911808},{"text":"Yeah.","start":302.63,"end":302.95,"sentiment":"neutral","sentiment_score":0.025849424302577972},{"text":"And it could be $200.","start":302.95,"end":304.79,"sentiment":"neutral","sentiment_score":0.018351946771144868}],"sentiment":"neutral","sentiment_score":0.02134806777422245,"num_words":13,"start":297.245,"end":304.79},{"sentences":[{"text":"It could be 100.","start":304.79,"end":305.67,"sentiment":"neutral","sentiment_score":-0.008522933349013329},{"text":"I honestly don't know.","start":305.67,"end":307.05002,"sentiment":"neutral","sentiment_score":-0.19203202798962593},{"text":"Yeah.","start":313.665,"end":314.165,"sentiment":"neutral","sentiment_score":-0.15556034445762634},{"text":"Yeah.","start":314.225,"end":314.725,"sentiment":"neutral","sentiment_score":-0.12837620079517365},{"text":"Yeah.","start":315.345,"end":315.845,"sentiment":"neutral","sentiment_score":-0.08090469241142273}],"sentiment":"neutral","sentiment_score":-0.10609646209261635,"num_words":11,"start":304.79,"end":315.845},{"sentences":[{"text":"Okay.","start":325.185,"end":325.685,"sentiment":"neutral","sentiment_score":0.02358325570821762},{"text":"Alright.","start":328.59,"end":329.09,"sentiment":"neutral","sentiment_score":0.0791129320859909},{"text":"Okay.","start":331.47,"end":331.97,"sentiment":"neutral","sentiment_score":0.07962703704833984},{"text":"Alright.","start":332.11,"end":332.59,"sentiment":"neutral","sentiment_score":0.0812000036239624},{"text":"No.","start":332.59,"end":332.75,"sentiment":"neutral","sentiment_score":0.013851437717676164}],"sentiment":"neutral","sentiment_score":0.05547493323683739,"num_words":5,"start":325.185,"end":332.75},{"sentences":[{"text":"That's fine.","start":332.75,"end":333.31,"sentiment":"neutral","sentiment_score":0.08876540511846542},{"text":"Because I know we were gonna have two accounts.","start":333.31,"end":335.41,"sentiment":"neutral","sentiment_score":0.028465492857827082},{"text":"Yeah.","start":336.11,"end":336.61,"sentiment":"neutral","sentiment_score":0.0940978080034256},{"text":"Yeah.","start":338.19,"end":338.505,"sentiment":"neutral","sentiment_score":0.10097381472587584},{"text":"Yep.","start":341.465,"end":341.965,"sentiment":"neutral","sentiment_score":0.021589409559965137}],"sentiment":"neutral","sentiment_score":0.046455805589045794,"num_words":14,"start":332.75,"end":341.965},{"sentences":[{"text":"Yes.","start":346.905,"end":347.385,"sentiment":"neutral","sentiment_score":0.15403585135936737},{"text":"Yes.","start":347.385,"end":347.865,"sentiment":"neutral","sentiment_score":0.198099285364151},{"text":"Okay.","start":347.865,"end":348.365,"sentiment":"positive","sentiment_score":0.3934395909309387},{"text":"Sounds good.","start":349.065,"end":349.965,"sentiment":"positive","sentiment_score":0.6448556780815125},{"text":"Oh, I'm actually out at lunch at the moment.","start":358.59998,"end":360.69998,"sentiment":"neutral","sentiment_score":0.037603896111249924}],"sentiment":"neutral","sentiment_score":0.1695515106299094,"num_words":14,"start":346.905,"end":360.69998},{"sentences":[{"text":"Yeah.","start":373.975,"end":374.45502,"sentiment":"neutral","sentiment_score":0.02382015809416771},{"text":"Okay.","start":374.45502,"end":374.95502,"sentiment":"neutral","sentiment_score":0.038927674293518066},{"text":"I'm really quick at the moment, then I'll be moving to just the back of Mudryvale.","start":375.095,"end":379.46002,"sentiment":"neutral","sentiment_score":0.05782594112679362},{"text":"Yep.","start":381.36002,"end":381.84,"sentiment":"neutral","sentiment_score":0.14101895689964294},{"text":"So I'm I'm sort of local.","start":381.84,"end":383.78,"sentiment":"neutral","sentiment_score":0.0800480805337429}],"sentiment":"neutral","sentiment_score":0.06437081322073937,"num_words":25,"start":373.975,"end":383.78},{"sentences":[{"text":"I'm staying sort of around the area that will get me to the gym, and I still go and do my volunteering while I'm up here, which is at Reedy Creek.","start":384.0,"end":392.235,"sentiment":"neutral","sentiment_score":0.17965708985444037},{"text":"Yeah.","start":392.63498,"end":393.13498,"sentiment":"neutral","sentiment_score":0.10119040310382844},{"text":"So, yes, if we did need to catch up, that's fine while I'm up here.","start":398.555,"end":402.09497,"sentiment":"neutral","sentiment_score":0.11349441061417262},{"text":"Pretty much any day.","start":413.69,"end":415.05,"sentiment":"neutral","sentiment_score":0.08015800174325705},{"text":"I think I'm moving from one place to the next on Thursday, so that would be a bit of a drama.","start":415.05,"end":421.475,"sentiment":"neutral","sentiment_score":-0.09818314778662864}],"sentiment":"neutral","sentiment_score":0.07821892015635967,"num_words":72,"start":384.0,"end":421.475},{"sentences":[{"text":"Wednesday, I'll do my volunteer day.","start":421.69498,"end":423.715,"sentiment":"neutral","sentiment_score":0.04760484273235003},{"text":"So what about that happening?","start":424.255,"end":433.62,"sentiment":"neutral","sentiment_score":-0.003971423581242561},{"text":"We could do Tuesday.","start":435.54,"end":436.68,"sentiment":"neutral","sentiment_score":0.039315189234912395},{"text":"Probably choose probably the Tuesday or Friday, I'd probably be more free.","start":437.38,"end":441.56,"sentiment":"neutral","sentiment_score":0.07587958344568808},{"text":"Or Tuesday anyway.","start":442.66,"end":443.96,"sentiment":"neutral","sentiment_score":0.04294515276948611}],"sentiment":"neutral","sentiment_score":0.04874743850280841,"num_words":30,"start":421.69498,"end":443.96},{"sentences":[{"text":"Yeah.","start":446.465,"end":446.785,"sentiment":"neutral","sentiment_score":0.05795522779226303},{"text":"Yeah.","start":446.785,"end":447.025,"sentiment":"neutral","sentiment_score":0.0526929572224617},{"text":"Yeah.","start":447.025,"end":447.425,"sentiment":"neutral","sentiment_score":0.0415496826171875},{"text":"Midmorning or something.","start":447.425,"end":448.625,"sentiment":"neutral","sentiment_score":0.02719165322681268},{"text":"What about that happening if Tuesday?","start":448.625,"end":450.485,"sentiment":"neutral","sentiment_score":0.001130782999098301}],"sentiment":"neutral","sentiment_score":0.020046460442245007,"num_words":12,"start":446.465,"end":450.485},{"sentences":[{"text":"No.","start":454.145,"end":454.38498,"sentiment":"neutral","sentiment_score":-0.09835633635520936},{"text":"That should be right.","start":454.38498,"end":455.185,"sentiment":"neutral","sentiment_score":0.011016885749995708},{"text":"That should work.","start":455.185,"end":456.16498,"sentiment":"neutral","sentiment_score":0.1517345160245895},{"text":"Yes.","start":457.26498,"end":457.585,"sentiment":"neutral","sentiment_score":0.2210310995578766},{"text":"That should be fine.","start":457.585,"end":458.52,"sentiment":"neutral","sentiment_score":0.3109549731016159}],"sentiment":"neutral","sentiment_score":0.1435204420525294,"num_words":13,"start":454.145,"end":458.52},{"sentences":[{"text":"Yeah.","start":463.56,"end":464.03998,"sentiment":"neutral","sentiment_score":0.05176379159092903},{"text":"Yep.","start":464.03998,"end":464.53998,"sentiment":"neutral","sentiment_score":0.03350062295794487},{"text":"Yeah.","start":471.0,"end":471.4,"sentiment":"neutral","sentiment_score":0.03874102979898453},{"text":"Ten, 10:30, whatever.","start":471.4,"end":473.09998,"sentiment":"neutral","sentiment_score":0.09529275633394718},{"text":"That sounds good.","start":473.15997,"end":474.045,"sentiment":"positive","sentiment_score":0.49627647797266644}],"sentiment":"neutral","sentiment_score":0.2109681274741888,"num_words":9,"start":463.56,"end":474.045},{"sentences":[{"text":"Whatever suits you.","start":479.24503,"end":480.70502,"sentiment":"neutral","sentiment_score":0.10839470724264781},{"text":"Yeah.","start":493.05,"end":493.21,"sentiment":"neutral","sentiment_score":0.07819374650716782},{"text":"Yeah.","start":493.21,"end":493.71,"sentiment":"neutral","sentiment_score":0.08460165560245514},{"text":"Yeah.","start":495.53,"end":496.03,"sentiment":"neutral","sentiment_score":0.04778841882944107},{"text":"Did you like, do you wanna travel to Manjibar?","start":496.33,"end":498.50998,"sentiment":"neutral","sentiment_score":0.038232408463954926}],"sentiment":"neutral","sentiment_score":0.058657307922840116,"num_words":15,"start":479.24503,"end":498.50998},{"sentences":[{"text":"Because you're based in Southport.","start":498.56998,"end":500.03,"sentiment":"neutral","sentiment_score":0.04277755469083786},{"text":"It's up to you.","start":502.56998,"end":503.505,"sentiment":"neutral","sentiment_score":0.2268836759030819},{"text":"Because there is a nice little there is there is a nice little cafe at luxury bar, actually.","start":507.185,"end":511.845,"sentiment":"positive","sentiment_score":0.3396512418985367},{"text":"It's called it's called Bookmas.","start":514.145,"end":516.805,"sentiment":"neutral","sentiment_score":0.24412275850772858},{"text":"So it's a little shop.","start":517.75,"end":519.11,"sentiment":"neutral","sentiment_score":0.20127755105495454}],"sentiment":"neutral","sentiment_score":0.2557336859203674,"num_words":37,"start":498.56998,"end":519.11},{"sentences":[{"text":"We book they sell bits and pieces, and it's a little cafe.","start":519.11,"end":522.25,"sentiment":"neutral","sentiment_score":0.18654036273558935},{"text":"And it's in it's in that village, you know, Railway Street.","start":523.35,"end":528.08997,"sentiment":"neutral","sentiment_score":0.09161295132203535},{"text":"Yeah.","start":529.75,"end":530.175,"sentiment":"neutral","sentiment_score":0.10207861661911012},{"text":"Yeah.","start":530.975,"end":531.375,"sentiment":"neutral","sentiment_score":0.17137646675109863},{"text":"That's that's in there.","start":531.375,"end":532.495,"sentiment":"neutral","sentiment_score":0.23249029740691185}],"sentiment":"neutral","sentiment_score":0.15343596863335576,"num_words":29,"start":519.11,"end":532.495},{"sentences":[{"text":"That's, like, a nice little cafe.","start":532.495,"end":534.27496,"sentiment":"positive","sentiment_score":0.4560149361689885},{"text":"Okay.","start":540.095,"end":540.595,"sentiment":"neutral","sentiment_score":0.07093767821788788},{"text":"Oh, yeah.","start":545.19995,"end":545.68,"sentiment":"neutral","sentiment_score":0.17985858023166656},{"text":"You can buy little little knickknacks and you can buy books and yeah.","start":545.68,"end":550.07996,"sentiment":"neutral","sentiment_score":0.2365536758532891},{"text":"It's a cute little place.","start":550.07996,"end":551.3,"sentiment":"positive","sentiment_score":0.40087066888809203}],"sentiment":"neutral","sentiment_score":0.3054183550454952,"num_words":27,"start":532.495,"end":551.3},{"sentences":[{"text":"Yeah.","start":551.92,"end":552.42,"sentiment":"neutral","sentiment_score":-0.01822180487215519},{"text":"Yeah.","start":555.68,"end":556.07996,"sentiment":"neutral","sentiment_score":0.031009024009108543},{"text":"Alright.","start":556.07996,"end":556.57996,"sentiment":"neutral","sentiment_score":0.0975286066532135},{"text":"Okay.","start":556.72,"end":557.04,"sentiment":"neutral","sentiment_score":0.11693766713142396},{"text":"Well, we'll do that.","start":557.04,"end":557.83997,"sentiment":"neutral","sentiment_score":0.22545548528432846}],"sentiment":"neutral","sentiment_score":0.14113442925736308,"num_words":8,"start":551.92,"end":557.83997},{"sentences":[{"text":"That sounds good.","start":557.83997,"end":558.735,"sentiment":"positive","sentiment_score":0.5756382544835409},{"text":"Okay.","start":565.295,"end":565.77496,"sentiment":"neutral","sentiment_score":0.32941561937332153},{"text":"Alright.","start":565.77496,"end":566.255,"sentiment":"neutral","sentiment_score":0.26170071959495544},{"text":"And just confirm all our figures.","start":566.255,"end":568.015,"sentiment":"neutral","sentiment_score":0.20296850552161536},{"text":"Yep.","start":568.015,"end":568.415,"sentiment":"neutral","sentiment_score":0.1640739142894745}],"sentiment":"neutral","sentiment_score":0.3083263374865055,"num_words":12,"start":557.83997,"end":568.415},{"sentences":[{"text":"Sounds good.","start":568.415,"end":570.435,"sentiment":"positive","sentiment_score":0.4159194529056549},{"text":"Okay.","start":570.735,"end":571.235,"sentiment":"neutral","sentiment_score":0.22924882173538208},{"text":"Alright.","start":573.2749,"end":573.7749,"sentiment":"neutral","sentiment_score":0.28082311153411865},{"text":"Okay.","start":573.8349,"end":574.2349,"sentiment":"neutral","sentiment_score":0.3117373287677765},{"text":"Thank you.","start":574.2349,"end":574.9749,"sentiment":"positive","sentiment_score":0.6604529917240143}],"sentiment":"positive","sentiment_score":0.42493630732808796,"num_words":7,"start":568.415,"end":574.9749},{"sentences":[{"text":"Okay.","start":577.75494,"end":578.1549,"sentiment":"neutral","sentiment_score":0.08246428519487381},{"text":"Bye.","start":578.1549,"end":578.6549,"sentiment":"neutral","sentiment_score":-0.112371027469635}],"sentiment":"neutral","sentiment_score":-0.014953371137380593,"num_words":2,"start":577.75494,"end":578.6549}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Kim. How are you going? It's delivered to Ceramic\n\nChannel 1: Yeah. Hi.\n\nChannel 0: View. How are you doing, hon?\n\nChannel 1: I'm good.\n\nChannel 0: That's good. I was just giving you a call because I've I've run through and done all the figures and everything like that, and we're good. So what what I wanna do, essentially, to keep it nice and easy for you brain wise, I don't wanna get into the complexities of it too much, but we're still gonna keep the two accounts that we talked about.\n\nChannel 1: Yeah.\n\nChannel 0: And we're gonna move the money from rest over. And what I wanna do is put 300,000 into the super fund. Okay? So that gives you that leaves you with a bit of money still in your back pocket.\n\nChannel 1: Yes. Because that was what we originally discussed. That\n\nChannel 0: Yeah.\n\nChannel 1: 300. Yep.\n\nChannel 0: Yeah. So we're gonna put 300,000 in still, and it's just the the amount of money that I'm putting into that special income account changes a little bit. Not too much, but just the\n\nChannel 1: Okay.\n\nChannel 0: amount we're putting in there changes a little bit. But you're gonna be back up on pretty nearly full pension, like, just shy of full pension.\n\nChannel 1: Okay. Now so this money that we're putting away is 3\n\nChannel 0: Yep.\n\nChannel 1: 100. Does does the government calculate that when they calculate your pension?\n\nChannel 0: They will see most of it. So the\n\nChannel 1: So\n\nChannel 0: 300 they're getting away. They're still gonna see most of it.\n\nChannel 1: yeah.\n\nChannel 0: They're not gonna see all of it.\n\nChannel 1: Okay. So that's that's what I was wondering. I know you said my pension will go down a little bit. So I was wondering whether they see, like, they even though it's sort of hidden, for instance, they actually know I've got it so that did they base that on, well, let's only give you this much pension?\n\nChannel 0: That's what they're doing right now is they're seeing all the cash that you have,\n\nChannel 1: Yeah. Of\n\nChannel 0: and\n\nChannel 1: course.\n\nChannel 0: and they're going, well, you have all this cash available. Not happening. But\n\nChannel 1: Yeah.\n\nChannel 0: we're gonna if we're gonna pop it into your super fund, they'll still see it in the super fund. But because it goes into this special account, it gets sheltered a little bit, and they only see a percentage of it. They\n\nChannel 1: Okay.\n\nChannel 0: only see\n\nChannel 1: Alright.\n\nChannel 0: about 60% of the money sitting there.\n\nChannel 1: Okay. So that sounds alright.\n\nChannel 0: So with us sheltering that little bit of money, that's how we're gonna get you back up to full pension. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Now\n\nChannel 1: do we need to do both these accounts now, or should we wait till what I end up from my mother's\n\nChannel 0: alright. We do them both now. And then how much are you expecting from mom's estate, I guess,\n\nChannel 1: estate?\n\nChannel 0: is the biggest question.\n\nChannel 1: Honestly, I honestly don't know.\n\nChannel 0: Yeah.\n\nChannel 1: We're not sure on on, like, the value that they're going for at the moment. And then, of course, you don't get it all because it's been one of those retirement villages that they take most of it anyway. And\n\nChannel 0: Of\n\nChannel 1: I\n\nChannel 0: course.\n\nChannel 1: I don't know exactly. Say say it might sell for 800,000. Who knows? We're not sure. But I'm\n\nChannel 0: Yep.\n\nChannel 1: not sure on the the percentage that they keep.\n\nChannel 0: Okay.\n\nChannel 1: So I do know that there was a garage which was separate, and my sister and husband said, look. Yes. Put the money into the garage because that always adds value, especially in those retirement villages. And they said what we would do is they just decided they would rent the garage from her because she didn't need it. But they said that will give you and they used it for storage.\n\nSo that gave her that bit of extra income on top of her pension, but that was just like a cash thing.\n\nChannel 0: Yeah.\n\nChannel 1: Now so say I forget how much. Actually bought it for $10 at the time, and it's probably worth about, I don't know, 30 or 50 now. Well, the retirement village has actually said, okay. It may be worth, say, 30 now, but you only get a third of what you bought it for.\n\nChannel 0: Yes.\n\nChannel 1: Like, that's how they work. Yeah. They rip you off. But yeah. So I don't know.\n\nThere is a garage. There is a unit, and I honestly couldn't tell you until we know it's sold. Yeah.\n\nChannel 0: Yeah. And do you have like, it's it's it's uplifted now or soon\n\nChannel 1: That\n\nChannel 0: to be?\n\nChannel 1: that's that's all in the process now. Yes.\n\nChannel 0: So it could be six months, could be twelve months.\n\nChannel 1: It could be. It could be. Yeah. And it could be $200. It could be 100.\n\nI honestly don't know.\n\nChannel 0: Yeah. It's unfortunately gonna be one of those bridge we cross when we get to it type of\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: situation.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely. But for now, like, the worst thing that'll happen is we just end up putting more money into this little sheltered account, really.\n\nChannel 1: Okay.\n\nChannel 0: And that's okay. We just pop\n\nChannel 1: Alright.\n\nChannel 0: more money into that sheltered account later.\n\nChannel 1: Okay. Alright. No. That's fine. Because I know we were gonna have two accounts.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. We're gonna have the two accounts. One\n\nChannel 1: Yeah.\n\nChannel 0: is that we can make lump sum withdrawals if we need to, and the\n\nChannel 1: Yep.\n\nChannel 0: other is to shelter the money away from the government so we can keep our pensions.\n\nChannel 1: Yes. Yes. Okay. Sounds good.\n\nChannel 0: Okay. So my biggest question is where are you? Because I know that you are a bit of a pen and paper queen.\n\nChannel 1: Oh, I'm actually out at lunch at the moment.\n\nChannel 0: No. That's okay. I'm working from home today anyway. But where because I know that you were staying with a few different people while you're up on the Coast. Where are you staying at the moment, like, next week?\n\nChannel 1: Yeah. Okay. I'm really quick at the moment, then I'll be moving to just the back of Mudryvale.\n\nChannel 0: Okay. Madhurima.\n\nChannel 1: Yep. So\n\nChannel 0: Next\n\nChannel 1: I'm I'm\n\nChannel 0: week.\n\nChannel 1: sort of local. I'm staying sort of around the area that will get me to the gym, and I still go and do my volunteering while I'm up here, which is at Reedy Creek. Yeah.\n\nChannel 0: Yeah. Okay. So if I say come in oh, I should probably look at my calendar before I start\n\nChannel 1: So,\n\nChannel 0: making\n\nChannel 1: yes,\n\nChannel 0: promises.\n\nChannel 1: if we did need to catch up, that's fine while I'm up here.\n\nChannel 0: Yeah. Well, what day works for you next week that we can catch up? And I'm happy to meet you out, and we can have a coffee together if you'd like. My shout.\n\nChannel 1: Pretty much any day. I think I'm moving from one place to the next on Thursday, so that would be a bit of a drama. Wednesday, I'll do my volunteer day. So\n\nChannel 0: So do you wanna just go, like, Monday or Tuesday?\n\nChannel 1: what about that happening? We could do Tuesday. Probably\n\nChannel 0: Okay.\n\nChannel 1: choose probably the Tuesday or Friday, I'd probably be more free.\n\nChannel 0: Alright. Well, do you wanna\n\nChannel 1: Or\n\nChannel 0: go\n\nChannel 1: Tuesday\n\nChannel 0: Tuesday morning?\n\nChannel 1: anyway. Yeah. Yeah. Yeah. Midmorning or something.\n\nWhat about that happening if Tuesday? No. That should be right. That should work. Yes.\n\nThat should be fine.\n\nChannel 0: Say Tuesday,\n\nChannel 1: Yeah.\n\nChannel 0: ten\n\nChannel 1: Yep.\n\nChannel 0: AM? Oh, what are you what's the oh,\n\nChannel 1: Yeah. Ten,\n\nChannel 0: what?\n\nChannel 1: 10:30, whatever. That sounds good.\n\nChannel 0: Okay. And where do you want to meet?\n\nChannel 1: Whatever suits you.\n\nChannel 0: How about I will find a cafe down around your area, and I can send you a text with the address.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: That work?\n\nChannel 1: Yeah. Did you like, do you wanna travel to Manjibar? Because you're based in Southport.\n\nChannel 0: Yeah. That's fine.\n\nChannel 1: It's up to you. Because there is a nice little there is there is a nice little cafe at luxury bar, actually. It's called it's called Bookmas. So it's a little shop. We book they sell bits and pieces, and it's a little cafe.\n\nAnd it's in it's in that village, you know, Railway Street.\n\nChannel 0: Yep. Yes. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Yep. Yep. Okay.\n\nChannel 1: Yeah. That's that's in there. That's, like, a nice little cafe.\n\nChannel 0: Perfect. Well, then let's do that. 10:00 on Tuesday. We'll meet at Bookness.\n\nChannel 1: Okay.\n\nChannel 0: Oh my god. It's like a little library. Oh, stop. You won't get me out of there.\n\nChannel 1: Oh, yeah. You can buy little little knickknacks and you can buy books and yeah. It's a cute little place.\n\nChannel 0: Oh, my\n\nChannel 1: Yeah.\n\nChannel 0: husband's gonna kill me if I come home with everything, but that's okay. I might\n\nChannel 1: Yeah. Alright. Okay. Well, we'll do that. That sounds good.\n\nChannel 0: have perfect. Alright. And I'll bring all the documents. We can sign them all, and we can get everything done and dusted. Alright, my love?\n\nChannel 1: Okay. Alright. And just confirm all our figures. Yep. Sounds\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: Alright. I will\n\nChannel 1: Okay.\n\nChannel 0: see you next Tuesday then, darling.\n\nChannel 1: Alright. Okay. Thank you.\n\nChannel 0: No. That's okay. Bye.\n\nChannel 1: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.04193805158138275}],"sentiment":"neutral","sentiment_score":0.04193805158138275,"channel":1,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"Hi, Kim.","start":1.8399999,"end":2.56,"sentiment":"neutral","sentiment_score":0.1824905127286911},{"text":"How are you going?","start":2.56,"end":3.04,"sentiment":"neutral","sentiment_score":0.23965930193662643},{"text":"It's delivered to Ceramic","start":3.04,"end":4.34,"sentiment":"neutral","sentiment_score":0.12723271176218987}],"sentiment":"neutral","sentiment_score":0.18325490802526473,"channel":0,"num_words":10,"start":1.8399999,"end":4.34},{"sentences":[{"text":"Yeah.","start":5.12,"end":5.6,"sentiment":"neutral","sentiment_score":0.12023784965276718},{"text":"Hi.","start":5.6,"end":6.1,"sentiment":"neutral","sentiment_score":0.13179737329483032}],"sentiment":"neutral","sentiment_score":0.12601761147379875,"channel":1,"num_words":2,"start":5.12,"end":6.1},{"sentences":[{"text":"View.","start":7.7599998,"end":7.9199996,"sentiment":"neutral","sentiment_score":0.13360296189785004},{"text":"How are you doing, hon?","start":7.9199996,"end":9.059999,"sentiment":"neutral","sentiment_score":0.28313257098197936}],"sentiment":"neutral","sentiment_score":0.2582109694679578,"channel":0,"num_words":6,"start":7.7599998,"end":9.059999},{"sentences":[{"text":"I'm good.","start":9.599999,"end":10.42,"sentiment":"positive","sentiment_score":0.705849289894104}],"sentiment":"positive","sentiment_score":0.705849289894104,"channel":1,"num_words":2,"start":9.599999,"end":10.42},{"sentences":[{"text":"That's good.","start":11.36,"end":12.34,"sentiment":"positive","sentiment_score":0.8134168982505798},{"text":"I was just giving you a call because I've I've run through and done all the figures and everything like that, and we're good.","start":15.525,"end":23.225,"sentiment":"positive","sentiment_score":0.5506082189579805},{"text":"So what what I wanna do, essentially, to keep it nice and easy for you brain wise, I don't wanna get into the complexities of it too much, but we're still gonna keep the two accounts that we talked about.","start":23.525,"end":37.52,"sentiment":"neutral","sentiment_score":0.29855350162833927}],"sentiment":"positive","sentiment_score":0.4058116835852464,"channel":0,"num_words":66,"start":11.36,"end":37.52},{"sentences":[{"text":"Yeah.","start":38.02,"end":38.505,"sentiment":"neutral","sentiment_score":0.20301957428455353}],"sentiment":"neutral","sentiment_score":0.20301957428455353,"channel":1,"num_words":1,"start":38.02,"end":38.505},{"sentences":[{"text":"And we're gonna move the money from rest over.","start":39.02,"end":43.835,"sentiment":"neutral","sentiment_score":0.2359939051998986},{"text":"And what I wanna do is put 300,000 into the super fund.","start":44.375,"end":51.195,"sentiment":"neutral","sentiment_score":0.25548387318849564},{"text":"Okay?","start":51.895,"end":52.395,"sentiment":"neutral","sentiment_score":0.2265344113111496},{"text":"So that gives you that leaves you with a bit of money still in your back pocket.","start":53.655,"end":59.18,"sentiment":"positive","sentiment_score":0.40360356604351716}],"sentiment":"neutral","sentiment_score":0.31480888869517887,"channel":0,"num_words":39,"start":39.02,"end":59.18},{"sentences":[{"text":"Yes.","start":59.68,"end":60.0,"sentiment":"neutral","sentiment_score":0.12702161073684692},{"text":"Because that was what we originally discussed.","start":60.0,"end":62.1,"sentiment":"neutral","sentiment_score":0.09209405737263816},{"text":"That","start":63.28,"end":63.6,"sentiment":"neutral","sentiment_score":0.04927119240164757}],"sentiment":"neutral","sentiment_score":0.09121680052744018,"channel":1,"num_words":9,"start":59.68,"end":63.6},{"sentences":[{"text":"Yeah.","start":63.4,"end":63.9,"sentiment":"neutral","sentiment_score":0.04457079619169235}],"sentiment":"neutral","sentiment_score":0.04457079619169235,"channel":0,"num_words":1,"start":63.4,"end":63.9},{"sentences":[{"text":"300.","start":63.6,"end":64.4,"sentiment":"neutral","sentiment_score":0.03945794701576233},{"text":"Yep.","start":64.4,"end":64.9,"sentiment":"neutral","sentiment_score":0.07970546931028366}],"sentiment":"neutral","sentiment_score":0.059581708163022995,"channel":1,"num_words":2,"start":63.6,"end":64.9},{"sentences":[{"text":"Yeah.","start":65.16,"end":65.64,"sentiment":"neutral","sentiment_score":0.08668418228626251},{"text":"So we're gonna put 300,000 in still, and it's just the the amount of money that I'm putting into that special income account changes a little bit.","start":65.64,"end":75.755,"sentiment":"neutral","sentiment_score":0.10259123981274941},{"text":"Not too much, but just the","start":75.755,"end":77.515,"sentiment":"neutral","sentiment_score":0.008890372390548388}],"sentiment":"neutral","sentiment_score":0.08558793798746432,"channel":0,"num_words":34,"start":65.16,"end":77.515},{"sentences":[{"text":"Okay.","start":77.455,"end":77.88,"sentiment":"neutral","sentiment_score":0.014096147380769253}],"sentiment":"neutral","sentiment_score":0.014096147380769253,"channel":1,"num_words":1,"start":77.455,"end":77.88},{"sentences":[{"text":"amount we're putting in there changes a little bit.","start":77.515,"end":79.775,"sentiment":"neutral","sentiment_score":0.01604090713792377},{"text":"But you're gonna be back up on pretty nearly full pension, like, just shy of full pension.","start":80.715,"end":87.9,"sentiment":"neutral","sentiment_score":0.05926132925293025}],"sentiment":"neutral","sentiment_score":0.04430041390542801,"channel":0,"num_words":26,"start":77.515,"end":87.9},{"sentences":[{"text":"Okay.","start":88.439995,"end":88.84,"sentiment":"neutral","sentiment_score":0.04183211177587509},{"text":"Now so this money that we're putting away is 3","start":88.84,"end":92.03999,"sentiment":"neutral","sentiment_score":0.01606890605762601}],"sentiment":"neutral","sentiment_score":0.018411015668375927,"channel":1,"num_words":11,"start":88.439995,"end":92.03999},{"sentences":[{"text":"Yep.","start":91.8,"end":92.3,"sentiment":"neutral","sentiment_score":0.010423166677355766}],"sentiment":"neutral","sentiment_score":0.010423166677355766,"channel":0,"num_words":1,"start":91.8,"end":92.3},{"sentences":[{"text":"100.","start":92.03999,"end":92.53999,"sentiment":"neutral","sentiment_score":0.004922433756291866},{"text":"Does does the government calculate that when they calculate your pension?","start":92.945,"end":97.205,"sentiment":"neutral","sentiment_score":-0.06464911082928831}],"sentiment":"neutral","sentiment_score":-0.058851482113823295,"channel":1,"num_words":12,"start":92.03999,"end":97.205},{"sentences":[{"text":"They will see most of it.","start":99.225,"end":102.205,"sentiment":"neutral","sentiment_score":-0.1559448018670082},{"text":"So the","start":105.065,"end":105.465004,"sentiment":"neutral","sentiment_score":-0.1381191983819008}],"sentiment":"neutral","sentiment_score":-0.15148840099573135,"channel":0,"num_words":8,"start":99.225,"end":105.465004},{"sentences":[{"text":"So","start":105.425,"end":105.925,"sentiment":"neutral","sentiment_score":-0.1485239714384079}],"sentiment":"neutral","sentiment_score":-0.1485239714384079,"channel":1,"num_words":1,"start":105.425,"end":105.925},{"sentences":[{"text":"300 they're getting away.","start":105.465004,"end":106.905,"sentiment":"neutral","sentiment_score":-0.23592568561434746},{"text":"They're still gonna see most of it.","start":106.905,"end":108.685,"sentiment":"neutral","sentiment_score":-0.1256254698548998}],"sentiment":"neutral","sentiment_score":-0.16573463922197168,"channel":0,"num_words":11,"start":105.465004,"end":108.685},{"sentences":[{"text":"yeah.","start":108.94,"end":109.44,"sentiment":"neutral","sentiment_score":-0.08919749408960342}],"sentiment":"neutral","sentiment_score":-0.08919749408960342,"channel":1,"num_words":1,"start":108.94,"end":109.44},{"sentences":[{"text":"They're not gonna see all of it.","start":109.18,"end":110.96,"sentiment":"neutral","sentiment_score":-0.18061165937355586}],"sentiment":"neutral","sentiment_score":-0.18061165937355586,"channel":0,"num_words":7,"start":109.18,"end":110.96},{"sentences":[{"text":"Okay.","start":111.9,"end":112.38,"sentiment":"neutral","sentiment_score":-0.01881161332130432},{"text":"So that's that's what I was wondering.","start":112.38,"end":113.979996,"sentiment":"neutral","sentiment_score":-0.033501187073332925},{"text":"I know you said my pension will go down a little bit.","start":113.979996,"end":116.56,"sentiment":"neutral","sentiment_score":-0.21685723649958769},{"text":"So I was wondering whether they see, like, they even though it's sort of hidden, for instance, they actually know I've got it so that did they base that on, well, let's only give you this much pension?","start":118.14,"end":130.395,"sentiment":"neutral","sentiment_score":-0.0093983898772613}],"sentiment":"neutral","sentiment_score":-0.05539216510630373,"channel":1,"num_words":58,"start":111.9,"end":130.395},{"sentences":[{"text":"That's what they're doing right now is they're seeing all the cash that you have,","start":132.135,"end":135.595,"sentiment":"neutral","sentiment_score":0.0825621152917544}],"sentiment":"neutral","sentiment_score":0.0825621152917544,"channel":0,"num_words":15,"start":132.135,"end":135.595},{"sentences":[{"text":"Yeah.","start":135.97,"end":136.29,"sentiment":"neutral","sentiment_score":0.105495847761631},{"text":"Of","start":136.29,"end":136.45,"sentiment":"neutral","sentiment_score":0.1036078929901123}],"sentiment":"neutral","sentiment_score":0.10455187037587166,"channel":1,"num_words":2,"start":135.97,"end":136.45},{"sentences":[{"text":"and","start":136.33,"end":136.83,"sentiment":"neutral","sentiment_score":0.07992223650217056}],"sentiment":"neutral","sentiment_score":0.07992223650217056,"channel":0,"num_words":1,"start":136.33,"end":136.83},{"sentences":[{"text":"course.","start":136.45,"end":136.95,"sentiment":"neutral","sentiment_score":0.1145567074418068}],"sentiment":"neutral","sentiment_score":0.1145567074418068,"channel":1,"num_words":1,"start":136.45,"end":136.95},{"sentences":[{"text":"and they're going, well, you have all this cash available.","start":137.29,"end":139.95,"sentiment":"neutral","sentiment_score":0.05311854127794504},{"text":"Not happening.","start":140.17,"end":140.91,"sentiment":"neutral","sentiment_score":-0.09949139505624771},{"text":"But","start":141.53,"end":141.77,"sentiment":"neutral","sentiment_score":0.02135760709643364}],"sentiment":"neutral","sentiment_score":0.027196940751029894,"channel":0,"num_words":13,"start":137.29,"end":141.77},{"sentences":[{"text":"Yeah.","start":141.65,"end":142.15,"sentiment":"neutral","sentiment_score":0.08893097192049026}],"sentiment":"neutral","sentiment_score":0.08893097192049026,"channel":1,"num_words":1,"start":141.65,"end":142.15},{"sentences":[{"text":"we're gonna if we're gonna pop it into your super fund, they'll still see it in the super fund.","start":141.77,"end":145.53,"sentiment":"neutral","sentiment_score":0.1602695752915583},{"text":"But because it goes into this special account, it gets sheltered a little bit, and they only see a percentage of it.","start":145.53,"end":152.125,"sentiment":"neutral","sentiment_score":0.08514908523383466},{"text":"They","start":152.665,"end":152.825,"sentiment":"neutral","sentiment_score":0.03890916332602501}],"sentiment":"neutral","sentiment_score":0.11803121354785703,"channel":0,"num_words":42,"start":141.77,"end":152.825},{"sentences":[{"text":"Okay.","start":152.795,"end":153.195,"sentiment":"neutral","sentiment_score":0.05573304370045662}],"sentiment":"neutral","sentiment_score":0.05573304370045662,"channel":1,"num_words":1,"start":152.795,"end":153.195},{"sentences":[{"text":"only see","start":152.825,"end":153.305,"sentiment":"neutral","sentiment_score":0.03473766706883907}],"sentiment":"neutral","sentiment_score":0.03473766706883907,"channel":0,"num_words":2,"start":152.825,"end":153.305},{"sentences":[{"text":"Alright.","start":153.195,"end":153.695,"sentiment":"neutral","sentiment_score":0.13303259015083313}],"sentiment":"neutral","sentiment_score":0.13303259015083313,"channel":1,"num_words":1,"start":153.195,"end":153.695},{"sentences":[{"text":"about 60% of the money sitting there.","start":153.305,"end":155.405,"sentiment":"neutral","sentiment_score":0.12591789130653655}],"sentiment":"neutral","sentiment_score":0.12591789130653655,"channel":0,"num_words":7,"start":153.305,"end":155.405},{"sentences":[{"text":"Okay.","start":155.515,"end":155.995,"sentiment":"neutral","sentiment_score":0.3189968466758728},{"text":"So that sounds alright.","start":155.995,"end":157.215,"sentiment":"positive","sentiment_score":0.46530745178461075}],"sentiment":"positive","sentiment_score":0.43604533076286317,"channel":1,"num_words":5,"start":155.515,"end":157.215},{"sentences":[{"text":"So with us sheltering that little bit of money, that's how we're gonna get you back up to full pension.","start":158.505,"end":163.82999,"sentiment":"positive","sentiment_score":0.6366528511047364},{"text":"Okay?","start":163.89,"end":164.39,"sentiment":"neutral","sentiment_score":0.29816776514053345}],"sentiment":"positive","sentiment_score":0.6205345136778695,"channel":0,"num_words":21,"start":158.505,"end":164.39},{"sentences":[{"text":"Yep.","start":164.33,"end":164.81,"sentiment":"neutral","sentiment_score":0.29068467020988464},{"text":"Yep.","start":164.81,"end":165.31,"sentiment":"neutral","sentiment_score":0.22584521770477295}],"sentiment":"neutral","sentiment_score":0.2582649439573288,"channel":1,"num_words":2,"start":164.33,"end":165.31},{"sentences":[{"text":"Okay.","start":165.73,"end":166.12999,"sentiment":"neutral","sentiment_score":0.1702609658241272}],"sentiment":"neutral","sentiment_score":0.1702609658241272,"channel":0,"num_words":1,"start":165.73,"end":166.12999},{"sentences":[{"text":"So","start":165.93001,"end":166.25,"sentiment":"neutral","sentiment_score":0.14927896857261658}],"sentiment":"neutral","sentiment_score":0.14927896857261658,"channel":1,"num_words":1,"start":165.93001,"end":166.25},{"sentences":[{"text":"Now","start":166.12999,"end":166.62999,"sentiment":"neutral","sentiment_score":0.16661086678504944}],"sentiment":"neutral","sentiment_score":0.16661086678504944,"channel":0,"num_words":1,"start":166.12999,"end":166.62999},{"sentences":[{"text":"do we need to do both these accounts now, or should we wait till what I end up from my mother's","start":166.25,"end":172.985,"sentiment":"neutral","sentiment_score":0.123267809904757}],"sentiment":"neutral","sentiment_score":0.123267809904757,"channel":1,"num_words":21,"start":166.25,"end":172.985},{"sentences":[{"text":"alright.","start":174.60999,"end":174.93,"sentiment":"neutral","sentiment_score":0.17166316509246826},{"text":"We do them both now.","start":174.93,"end":176.39,"sentiment":"neutral","sentiment_score":0.15425964593887329},{"text":"And then how much are you expecting from mom's estate, I 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They are unsure of the exact value of their estate and are waiting for the end of their mother's estate to determine their retirement plans. The agent explains they are not sure of the retirement village and they are waiting for the retirement village to tell them what to do. They schedule a meeting to discuss finances and mention plans to visit a cafe and sign documents."},"intents":{"segments":[{"text":"And they said what we would do is they just decided they would rent the garage from her because she didn't need it. But they said that will give you and they used it for storage. So that gave her that bit of extra income on top of her pension, but that was just like a cash thing. Yeah.","start_word":586,"end_word":644,"intents":[{"intent":"Rent garage","confidence_score":0.9351457}]},{"text":"Actually bought it for $10 at the time, and it's probably worth about, I don't know, 30 or 50 now.","start_word":651,"end_word":670,"intents":[{"intent":"Check price","confidence_score":0.002002242}]},{"text":"There is a unit, and I honestly couldn't tell you until we know it's sold. Yeah.","start_word":719,"end_word":734,"intents":[{"intent":"Sell garage","confidence_score":0.10759362}]},{"text":"But for now, like, the worst thing that'll happen is we just end up putting more money into this little sheltered account, really. Okay.","start_word":812,"end_word":835,"intents":[{"intent":"Put money in sheltered account","confidence_score":0.1019924}]},{"text":"is that we can make lump sum withdrawals if we need to, and the Yep.","start_word":875,"end_word":889,"intents":[{"intent":"Make lump sum withdrawals","confidence_score":0.7943644}]},{"text":"other is to shelter the money away from the government so we can keep our pensions.","start_word":891,"end_word":906,"intents":[{"intent":"Shelter money","confidence_score":0.15580712}]},{"text":"I'm really quick at the moment, then I'll be moving to just the back of Mudryvale. Okay.","start_word":984,"end_word":1000,"intents":[{"intent":"Stay on track","confidence_score":0.000008310385}]},{"text":"So if I say come in oh, I should probably look at my calendar before I start So, making yes, promises.","start_word":1045,"end_word":1065,"intents":[{"intent":"Check calendar","confidence_score":0.21992601}]},{"text":"And I'm happy to meet you out, and we can have a coffee together if you'd like. My shout.","start_word":1093,"end_word":1111,"intents":[{"intent":"Meet with speaker","confidence_score":0.0011929265}]},{"text":"And where do you want to meet? Whatever suits you. How about I will find a cafe down around your area, and I can send you a text with the address. Yeah.","start_word":1233,"end_word":1264,"intents":[{"intent":"Schedule meeting","confidence_score":0.37631065}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Kim. How are you going? It's delivered to Ceramic Yeah. Hi. View. How are you doing, hon?","start_word":0,"end_word":18,"sentiment":"neutral","sentiment_score":0.1916067898273468},{"text":"I'm good. That's good. I was just giving you a call because I've I've run through and done all the figures and everything like that, and we're good.","start_word":19,"end_word":46,"sentiment":"positive","sentiment_score":0.608916163444519},{"text":"So what what I wanna do, essentially, to keep it nice and easy for you brain wise, I don't wanna get into the complexities of it too much, but we're still gonna keep the two accounts that we talked about. Yeah. And we're gonna move the money from rest over. And what I wanna do is put 300,000 into the super fund. Okay?","start_word":47,"end_word":109,"sentiment":"neutral","sentiment_score":0.27083542943000793},{"text":"So that gives you that leaves you with a bit of money still in your back pocket.","start_word":110,"end_word":126,"sentiment":"positive","sentiment_score":0.40067899227142334},{"text":"Yes. Because that was what we originally discussed. That Yeah. 300. Yep. Yeah. So we're gonna put 300,000 in still, and it's just the the amount of money that I'm putting into that special income account changes a little bit. Not too much, but just the Okay. amount we're putting in there changes a little bit. But you're gonna be back up on pretty nearly full pension, like, just shy of full pension. Okay. Now so this money that we're putting away is 3 Yep. 100. Does does the government calculate that when they calculate your pension? They will see most of it. So the So 300 they're getting away. They're still gonna see most of it. yeah. They're not gonna see all of it. Okay. So that's that's what I was wondering. I know you said my pension will go down a little bit. So I was wondering whether they see, like, they even though it's sort of hidden, for instance, they actually know I've got it so that did they base that on, well, let's only give you this much pension? That's what they're doing right now is they're seeing all the cash that you have, Yeah. Of and course. and they're going, well, you have all this cash available. Not happening. But Yeah. we're gonna if we're gonna pop it into your super fund, they'll still see it in the super fund. But because it goes into this special account, it gets sheltered a little bit, and they only see a percentage of it. They Okay. only see Alright. about 60% of the money sitting there. Okay.","start_word":127,"end_word":396,"sentiment":"neutral","sentiment_score":0.02364405744743568},{"text":"So that sounds alright. So with us sheltering that little bit of money, that's how we're gonna get you back up to full pension.","start_word":397,"end_word":420,"sentiment":"positive","sentiment_score":0.6112508773803711},{"text":"Okay? Yep. Yep. Okay. So Now do we need to do both these accounts now, or should we wait till what I end up from my mother's alright. We do them both now. And then how much are you expecting from mom's estate, I guess, estate? is the biggest question. Honestly, I honestly don't know. Yeah. We're not sure on on, like, the value that they're going for at the moment. And then, of course, you don't get it all because it's been one of those retirement villages that they take most of it anyway. And Of I course. I don't know exactly. Say say it might sell for 800,000. Who knows? We're not sure. But I'm Yep. not sure on the the percentage that they keep. Okay. So I do know that there was a garage which was separate, and my sister and husband said, look. Yes.","start_word":421,"end_word":568,"sentiment":"neutral","sentiment_score":-0.007202192675322294},{"text":"Put the money into the garage because that always adds value, especially in those retirement villages.","start_word":569,"end_word":584,"sentiment":"positive","sentiment_score":0.4316209554672241},{"text":"And they said what we would do is they just decided they would rent the garage from her because she didn't need it. But they said that will give you and they used it for storage. So that gave her that bit of extra income on top of her pension, but that was just like a cash thing. Yeah. Now so say I forget how much. Actually bought it for $10 at the time, and it's probably worth about, I don't know, 30 or 50 now. Well, the retirement village has actually said, okay. It may be worth, say, 30 now, but you only get a third of what you bought it for. Yes. Like, that's how they work.","start_word":585,"end_word":703,"sentiment":"neutral","sentiment_score":0.020700721070170403},{"text":"Yeah. They rip you off.","start_word":704,"end_word":708,"sentiment":"negative","sentiment_score":-0.6441980004310608},{"text":"But yeah. So I don't know. There is a garage. There is a unit, and I honestly couldn't tell you until we know it's sold. Yeah. Yeah. And do you have like, it's it's it's uplifted now or soon That to be? that's that's all in the process now. Yes. So it could be six months, could be twelve months. It could be. It could be. Yeah. And it could be $200. It could be 100. I honestly don't know. Yeah.","start_word":709,"end_word":789,"sentiment":"neutral","sentiment_score":-0.05739830434322357},{"text":"It's unfortunately gonna be one of those bridge we cross when we get to it type of Yeah.","start_word":790,"end_word":807,"sentiment":"negative","sentiment_score":-0.36815670132637024},{"text":"Yeah. situation. Yeah. Definitely. But for now, like, the worst thing that'll happen is we just end up putting more money into this little sheltered account, really. Okay. And that's okay. We just pop Alright. more money into that sheltered account later. Okay. Alright. No. That's fine. Because I know we were gonna have two accounts. Yes. Yeah. Yeah. We're gonna have the two accounts. One Yeah. is that we can make lump sum withdrawals if we need to, and the Yep. other is to shelter the money away from the government so we can keep our pensions. Yes. Yes.","start_word":808,"end_word":907,"sentiment":"neutral","sentiment_score":-0.008666835874319077},{"text":"Okay. Sounds good.","start_word":908,"end_word":910,"sentiment":"positive","sentiment_score":0.5392184257507324},{"text":"Okay. So my biggest question is where are you? Because I know that you are a bit of a pen and paper queen. Oh, I'm actually out at lunch at the moment. No. That's okay. I'm working from home today anyway. But where because I know that you were staying with a few different people while you're up on the Coast. Where are you staying at the moment, like, next week? Yeah. Okay. I'm really quick at the moment, then I'll be moving to just the back of Mudryvale. Okay. Madhurima. Yep. So Next I'm I'm week. sort of local. I'm staying sort of around the area that will get me to the gym, and I still go and do my volunteering while I'm up here, which is at Reedy Creek. Yeah. Yeah. Okay. So if I say come in oh, I should probably look at my calendar before I start So, making yes, promises. if we did need to catch up, that's fine while I'm up here. Yeah. Well, what day works for you next week that we can catch up?","start_word":911,"end_word":1092,"sentiment":"neutral","sentiment_score":0.08132460713386536},{"text":"And I'm happy to meet you out, and we can have a coffee together if you'd like.","start_word":1093,"end_word":1109,"sentiment":"positive","sentiment_score":0.5905941724777222},{"text":"My shout. Pretty much any day. I think I'm moving from one place to the next on Thursday, so that would be a bit of a drama. Wednesday, I'll do my volunteer day. So So do you wanna just go, like, Monday or Tuesday? what about that happening? We could do Tuesday. Okay. Probably choose probably the Tuesday or Friday, I'd probably be more free. Alright. Well, do you wanna Or go Tuesday Tuesday morning? anyway. Yeah. Yeah. Yeah. Midmorning or something. What about that happening if Tuesday? No. That should be right. That should work. Yes. That should be fine. Say Tuesday, Yeah. ten Yep. AM? Oh, what are you what's the oh, Yeah. Ten, what? 10:30, whatever.","start_word":1110,"end_word":1228,"sentiment":"neutral","sentiment_score":0.0322432013369408},{"text":"That sounds good.","start_word":1229,"end_word":1231,"sentiment":"positive","sentiment_score":0.47781017422676086},{"text":"Okay. And where do you want to meet? Whatever suits you. How about I will find a cafe down around your area, and I can send you a text with the address. Yeah. Yeah. That work? Yeah. Did you like, do you wanna travel to Manjibar? Because you're based in Southport. Yeah. That's fine. It's up to you.","start_word":1232,"end_word":1289,"sentiment":"neutral","sentiment_score":0.10984059423208235},{"text":"Because there is a nice little there is there is a nice little cafe at luxury bar, actually.","start_word":1290,"end_word":1307,"sentiment":"positive","sentiment_score":0.34331849217414856},{"text":"It's called it's called Bookmas. So it's a little shop. We book they sell bits and pieces, and it's a little cafe. And it's in it's in that village, you know, Railway Street. Yep. Yes. Yep. Yeah. Yep. Yep. Yep. Okay. Yeah. That's that's in there.","start_word":1308,"end_word":1353,"sentiment":"neutral","sentiment_score":0.15951737761497498},{"text":"That's, like, a nice little cafe. Perfect.","start_word":1354,"end_word":1360,"sentiment":"positive","sentiment_score":0.44269588589668274},{"text":"Well, then let's do that. 10:00 on Tuesday. We'll meet at Bookness. Okay. Oh my god. It's like a little library. Oh, stop. You won't get me out of there. Oh, yeah. You can buy little little knickknacks and you can buy books and yeah.","start_word":1361,"end_word":1405,"sentiment":"neutral","sentiment_score":0.12583138048648834},{"text":"It's a cute little place.","start_word":1406,"end_word":1410,"sentiment":"positive","sentiment_score":0.3991471827030182},{"text":"Oh, my Yeah. husband's gonna kill me if I come home with everything, but that's okay. I might Yeah. Alright. Okay. Well, we'll do that.","start_word":1411,"end_word":1435,"sentiment":"neutral","sentiment_score":0.0006920952000655234},{"text":"That sounds good. have perfect.","start_word":1436,"end_word":1440,"sentiment":"positive","sentiment_score":0.5781100392341614},{"text":"Alright. And I'll bring all the documents. We can sign them all, and we can get everything done and dusted.","start_word":1441,"end_word":1460,"sentiment":"neutral","sentiment_score":0.23622125387191772},{"text":"Alright, my love?","start_word":1461,"end_word":1463,"sentiment":"positive","sentiment_score":0.392570823431015},{"text":"Okay. Alright. And just confirm all our figures. Yep. Sounds Yep.","start_word":1464,"end_word":1474,"sentiment":"neutral","sentiment_score":0.23818698525428772},{"text":"good.","start_word":1475,"end_word":1475,"sentiment":"positive","sentiment_score":0.511633574962616},{"text":"Alright. I will Okay.","start_word":1476,"end_word":1479,"sentiment":"neutral","sentiment_score":0.3154263496398926},{"text":"see you next Tuesday then, darling.","start_word":1480,"end_word":1485,"sentiment":"positive","sentiment_score":0.4357149302959442},{"text":"Alright. Okay.","start_word":1486,"end_word":1487,"sentiment":"neutral","sentiment_score":0.29318881034851074},{"text":"Thank you.","start_word":1488,"end_word":1489,"sentiment":"positive","sentiment_score":0.6283949613571167},{"text":"No. That's okay. Bye. Okay. Bye.","start_word":1490,"end_word":1495,"sentiment":"neutral","sentiment_score":0.04793861135840416}],"average":{"sentiment":"neutral","sentiment_score":0.09436961582728796}}}}