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I've been noticing it a lot more recently, and I think I want to get it on mine. Are you on is it iPhone? Or that is very cool. Very cool. Mate, I'm gonna send you through this updated statement of advice to your Hotmail address. Is that okay? Perfect. Before I jump into it, usual security process, even though I know it is you. Are you able to confirm your date of birth and address, please? Fantastic. Thank you for that call. And are you okay for the call to be recorded? Legendary. Mate, I've just shot that through. We're using a new system that we've kind of custom built at the moment, so it may come through to your main inbox or your spam box. So just let me know if that kind of pops through okay. Hey, Belinda. Am I on speakerphone? How are you doing? Fantastic. It is absolutely brilliant of an evening at the moment. The sun's just setting behind me over the Marina Mirage. It's cool. It's beautiful. What about your end? Oh, I love it. Now do you guys want me to flick you through a bit of a a Teams invite to do a video call? You prefer just sort of going through it over the phone? What's easier for you? Perfect. And then what I'll do too is I'm gonna shoot it through from my email address directly as well. Most of the times, it's pretty instant, but I have had twice where it came through after about three, four minutes or so. So I'm just gonna do another attachment as well. Statement of advice. Two won't be too sexy, Carl. So how's everything been going with you guys? Easter was fun. Easter was crazy. Going through all the fun investment stuff, you've got all kinds of things going on. Oh, yeah. And did you cut much from the the fuel issues driving around so much at the time? Yeah. That's good. Just high price, but we're able to get there enough. No one's fighting over it. Mad Max style. Yep. That's alright. I'll hit a resend on that one, and it may come through a little bit later. The filtering's always a bit rough on the first one that we send. So we'll just go through that one that I sent through the the PDF attachment. Perfect. Now when you've got that open, if you can let me know if you can see that beachfront city picture, I'll run you through. And just before I do that too, I was having a look at the old hub account. It's kind of done a little bit of a bounce back recently, which is good. Not sure if you've been logging in recently. Yeah. The the volatility at the moment is daily at the moment. So this morning, it was at 08:11. They updated the unit prices at 3PM, and it jumped to $8.14 $6.80. So it's just thousands a day at the moment. Okay. Right. Oh, fun. And did you get much of an an outcome out of the EBA negotiations? Wow. Yep. Wow. Yeah. Oh, jeez. Yeah. It was just a bit disappointing not to figure out what the go was with those insurances because, like you said, that's such a big a big thing whether it's been sitting there all these years or if it's currently on offer, makes a huge difference for every employee, her advisers, their strategies, all that kind of thing. It's just yeah. I guess it'll take time, these things do, but it'd be nice to know what the goal is with it. Yeah. Absolutely. And that'll be a fight. Like, if if they find out that there's been insurances for all these years, it it's class action territory. I don't think they'll just jump at the chance to pay everyone back their premiums, and it'll be all these individual cases with individual figures. Everyone will pull together. All kinds of things can come from it. So I guess that might be part of the delay too. Well, beautiful. It should be a bit of a beachfront Gold Coast looking thing. And the reason ah, perfect. Hang on a second. Perfect. So that should be the right email then because I only attached that one document from my personal one. So, hopefully, this one's come through with both. That's fantastic. The other one's just the appendix with links to all the investments. Perfect. Actually, this one was really fun to write because, obviously, everything that was going on recently in the markets, we're again, I've scoped this right down to just the the portfolio review while everything else is kind of pending with the property SMSF insurances and so on. So it's purely just investment based. And I had a lot of fun trying to, I guess, restructure your portfolio a little bit, and it's quite quite custom. It's kind of a bit of a work of art for me. I'm very proud of it. But some of the information here will obviously be a little bit out of date because it was based on some discussions we had towards the end of the year. It's got most of the goals are pretty accurate. We're talking about if you scroll down to page sort of three and four, it'll have your scope of advice. So, again, we're focusing on the super. I did include a little bit of estate planning just to make sure your wills and power of attorney and everything are up to date. But do you remember when we're kind of going through a bit of a long term goal for about 3,000,000 was kind of the end target for you guys? Yep. So that's kind of the main thing I've factored in. On the next page where it's got not considered or limited scope, I've just put out the insurances for the time being, but I have factored in, you know, premiums and everything. And then once we've got an idea, we can make some changes there because I would I would love to be able to close down the old QSuper, get the insurances moved around. If you've got an employer policy, that'll be much better for you. Like fund restrictions. Yeah. Awesome. And I've also based the contributions on that as well because I think we had your income at about $3.30. And the statement we have from QSIP, I think $42 went in, worked out perfectly at 12.75. So that's just kind of what the projections are based on. Beautiful. I've just scoped out everything else in terms of cash flow, debt investment, and self managed super fund just until you figure out what you're doing with the the rapid repay guys. So this is just purely portfolio. Now if you flick through to page seven and eight, this is probably the part that'll be the most out of date, but it's just your your current details. So we've got yours, the commercial maritime pilot, 330, phone number, email address. And on the next page, we have some old figures for, like, your your home value, mortgage, and so on. Again, if that's changed if you've taken equity out and got properties, obviously, that's a bit different, But that's kind of the the last snapshot that we did together. Perfect. Is all that looking pretty okay from what you can see? Yeah. Yeah. Perfect. So it's been released. It's there, but it's not been used yet, but it's just kind of sitting there in cache. Perfect. So I guess it'd be offsetting itself on the loan value as well, wouldn't it? Yeah. Yeah. Exactly right. Like, there'd be some kind of minimum repayments and everything, but it'll all just be capital off the loan. All the interest will be off. Should be fine. And that's one thing just before I jump into the meat and potatoes of it. So when I noted down, like, the goals and everything, you remember when we were talking around Christmas time around the the farms, whether you do it at 50, 60, that kind of thing? What are you guys thinking these days when it comes to moving out to the farm? I know you were kind of pausing it for a little while now that you've, I guess, figured out what it's like. The space. Yeah. Would you say it's, like, I'm getting the sense from my first conversation with you when we met in the office to Christmas time until now. Are you guys slowly leaning more towards, like, lifestyle over financial, would you say? Is that accurate? Yeah. And it's also possibly not necessary. Right? Like, it's it's a really cool idea to have that extra revenue source. But if you get enough funds and assets under the belt where you don't need to do that, why put on that extra burden, stress, that kind of thing at that time when what you want is that escape? Yeah. Yeah. It does. It's kind of like the pictures slowly starting to form. You know? Like, the more you investigate and talk to people and figure it out, both of you seem to be just painting this picture of the life that you actually want, and it just slowly outlines now the colors filling in, and then you can start to see it becoming a bit more real in your mind. Yeah. Yeah. Yeah. Absolutely. I'm noticing it more and more the more people I talk to. Like, a couple of things when it comes to goals and lifestyle is everyone's kind of trying to play out a retirement that someone else had the idea of. You know, you hear people come in the office and they say, I want financial freedom. What does that mean? Oh, I want a million dollars and go on holidays. But then when they actually come crunch time, they realize that's not what they want is to start enjoying life when you're 67 and have missed out for twenty years prior when you could have had the energy to do so. You know what I mean? Oh, man. And it comes down to the financial side of things too as everyone's trying to build all of the the property portfolios and share portfolios and all this kind of thing, and it's just about, is that actually what you wanna do at the end of the day? There's all these different avenues and options, but why waste a decade trying to build someone else's dream just because that's what everyone thinks everyone should do. So I'm with you guys on that a 100%. Yeah. And that's pretty well eloquently put. Would you pretty well agree, Belinda, with everything you said? Cool. Alright. I'm gonna dive through some of these figures in a second there as well. When it comes to, obviously, the SMSF side of things again, just work with Chris on all of those rules and regulations. I've I've had a few really fun ones in my career where I had a guy who really wanted to have a, amusement park and bought that through an SMSF, lived in it as well because he was kind of like an on-site manager for his own amusement park. But, hey, that's what he wanted was it was the same thing with property management. You know, you've got people who look after, like, a a unit building, but they live in to manage the rentals. They were able to kind of buy that that business, that property, still kind of live there because they were working out of it. It was probably the the coolest way to use it and still make it legal. This guy was the Optimus Prime Superfund, and he bought this amusement park. And he's just living his best life at the moment, running an amusement park that he lives and works out of. So all kinds of things can be done. Just be careful with it. You don't wanna be tied up with something where you want it for the lifestyle asset, but then all of a sudden you get forced to sell it to get it in your name in retirement. Just be careful as you step through, but it's a pretty cool idea. Absolutely. All kinds of things can be done. So this one today is really, really simple. Carl, do you remember the email I sent you around the the market risks we were going over together? So all I've done is just build this portfolio. I haven't changed the risk level. It's still growth. It's still four out of five. Contributions are still going in. It's mainly just about forward looking for the investments in the market. So what you'll sort of see if you go through to pages about twelve thirteen, you'll see risk profile, just maintaining that growth allocation, and then it's kind of got the strategy page itself. So the two main recommendations in this document is do a bit of a rollover from QSuper to do a bit of a top up. I've recommended $12 stays there just because the way that premiums are looking, You kind of want a couple of year buffer. I'm happy to be guided by you on that, but 6 is the minimum. 12 covers you for two years in case contributions stop all of a sudden. Yep. That would be perfect. QSuper is pretty good. We usually can put on the forms to maintain a minimum balance for what gets rolled over, and they can just do the excess. But you said it was about 72 ish at the moment? Perfect. Now what I want you to do if you can, just because walls of text are never the most fun part of this industry, is if you skip past page thirteen, fourteen, 15 where it's got all of the strategy text, I'll just kind of show you in the actual figures what the pros and cons are, and you should see investment table, big blue one. Yeah. It's 16 on the header and 17 on the the PDF itself. It's like a blue investment table, red heading. Cool. It should be a big smattering of figures. Lots of red, lots of black. Yep. Perfect. So what this table basically shows, we've updated our documents a little bit. It just shows buyers and sells between what you have and what we're recommending. The main thing that this does, all the ones at the top, we're rebalancing because the market's gone crazy the last twelve months since we last spoke, and a whole bunch of your investments are just going out of skew. They've gone really high, really low. They just need to be brought back to middle ground. The three risks that we were talking about, Benelon Australian shares. There was some underperformance there compared to the market, so we're replacing that one. And that's all towards the bottom. If you go on the next page, it's kind of there's three options split off there. You will see Alfiniti, shares, government, and iShares. Can you see that? So that's the three new options. Alfiniti is a like for like replacement of Benelong. Do you possibly have Google open at the moment? I wanna show you guys something because this is kind of very sort of top level comparison. Can you Google for me Benelong Australian shares? And you should see the website, the top result should be Benelong Australian Equities Fund, b a e p. If you open that one up, it'll give you this little snapshot of what this current one does. If you scroll down, it it should be kind of like a goldy orange color. If you scroll down on that first page table, in the middle of that table, it says fees and charges, management fees 1%. And then if you hit the performance tab, all you can see on the left hand side is a whole bunch of negatives. So I was talking to Savi and Bart about this around Christmas time. Most of the times when a fund underperforms, you give it twelve months to bounce back, and we dug a bit deeper. There's a lot of people who exited that fund as far as investment managers. The guy who built it disappeared for a few years on holidays and things like that, and they've just kind of gone off away from the pack in a bad direction. Now if you go back onto Google and actually type in Alfiniti with a p h, Australian share funds, Australian share funds. You'll have a pretty similar setup. You go down below. There's a table management fee in the middle, 0.9%, and it's a blue website. And it depends on if you're on the Australian share fund page or if you just go up to that little drop down for their funds, and you should see yep. The one at the top. Yeah. Australian share funds. If you hit the performance figure on that one Yep. And then if you hit the performance there, this is over one, three, five, seven, ten years. They're in the positive the whole way along, and they've outperformed the market in every single time period. So with everything going really well, I was looking at your your super today. Your your gold option had gone up a 107% for the year, which was brilliant. It's just trying to bring your Australian shares in in the line of same quality. Now I won't do the same thing for the other two in that statement of advice. Government inflation linked bonds was just because when inflation kicks up, your safe investments are gonna be pegged alongside it, so their interest rate will go up with inflation. So if that jumps up three, four, 5%, your fixed interest jumps up with it. And the other one was just really, really strange currency risk. Investing in American shares when the market goes up 15% and your super has only gotten a 6% return, we ask why. We find out because they're using US Dollars to Australian dollars. When that money comes across and they convert it, there was a huge split between the US dollar and you lost out that 9% of the returns there. So I've split it with some currency hedging. It's a tiny bit more expensive, but it eliminates that risk. Yes. That's the one that I found. Our we were talking do you remember Sevi talking about the SMA that we were building or Bart was talking about? Yeah. They found on the market this inflation linked government bonds option for the SMA, and I saw the idea. I liked it, had a look at it, compared it, and went, that's perfect for this, and that was the last piece of the puzzle. So this is your own fully custom portfolio now. No one else has this one in Australia, and it's just for you, mate. If you go down to the next page, lovely little pie chart, we're just keeping everything in that 80% range for the growth assets. Up to you again, my last email where I was talking about, do we use this as a buying opportunity? Do we kick up a foot on the gas a little bit at some point? Do we reduce risk? This is, again, just keeping it same risk level. Not too high, not too low. I think looking at the portfolio currently, 15% was the return for the year after fees and taxes and premiums, which was pretty good. And I've just updated the projections in that table on page 19. Yep. Yep. So my best estimation is between 50 and $100, give or take. Market's gonna fluctuate. Things will even out. I would love it if the world kind of relaxed a little bit for five years and we go back up to getting 15 to 25% returns and you go up to 2 mil in ten years. But until that's settled down, we're just getting a bit more conservative with it. Yeah. Yeah. Yeah. Yeah. You're exactly right. I had a bit of a mentor. I've had two main mentors in the in the industry, and one of the guys, he worked very heavily in estate advice for people with deceased estates, family issues, people passing away, and so on. And he said, basically, our job is to get people to their goal with the least risk necessary. There's no point taking excessive amounts of risk to try and shoot for the stars and get everyone rich and $1,020,000,000 dollars and all this kind of thing if you don't need to do it. You don't need to be high growth. We could put your super into some leverage investments where it borrows money, and you're investing at a 160% growth assets, and I can show you a 35% return or something like that. But it's just not it's just not necessary. It's supposed to be a steady ship that you have a high chance of hitting your goal, not saying I'm gonna shoot for the stars and and miss it by a million dollars because we went crazy. So I've always been pretty conservative. I've always said that when you're in a growth portfolio, you need an eight to 9% average return. We're obviously aiming for as far into double digits as we can, but, again, bouncing between eight or nine average. And if you're consistently getting twelve, thirteen, 14, that's fantastic, but you still need that amount to hit to your goal. Yeah. Yeah. Yeah. And that's the thing. Because you're in your your forties now, like, if you try and project out twenty five years of all the lifestyle changes, economic cycles, you just become wildly inaccurate. Whereas my philosophy has always been, let's continuously improve everything over five to ten years, try and get you a better outcome, better outcome bit by bit. And then once you hit that last ten year stretch, you've got to protect what you've built. Once you've got that few million dollars, let's slowly protect it more and more so you don't lose it all just before retirement, and then we can do an analysis. And we can go, okay. This is how long it's gonna actually last. There's no point me telling you 5,000,000, you're gonna last for a 100 years. If you can just briefly remind me, Belinda, were you sitting on, I don't wanna guess, but around the 40 five months? And what about income level? Okay. K? So what you won't be able to do is, like, spousal contributions, probably not the best idea. Usually, if they're, like, under 45,000, you get a bit of a benefit out of that. The only thing is some concessional contribution. So your money gets taxed heavily, comes into your bank account, do some salary sacrifice for her at some point or a contribution and claim it. If she's on 90 to a 100, get a bit of a benefit out of that. But trying to get money from your name into her name, probably not gonna be the go. It's more if she was on, yeah, 45 and under, I would say. Yeah. Yeah. One of the things that's gonna come into play for you a little bit is when when you go through all of the investigations for property SMSF farms or that kind of thing, remember how we were talking about, like, family trusts and bucket companies and things like that? Similar things come into to planning when you're in your fifties for your super cap. So if you go above that one, I think it was 1,600,000.0 transfer balance cap. That's all you can move into, like, pension phase. The rest stays in accumulation, getting taxed higher. You've got estate taxes to worry about. So if it filters through past you guys to adult children, they cop a bit there as well. So all of those entities come into play down the line as well. So it's just something to be conscious of about at some point whether we start using something like that. And if you do get farm and so on, do we start using trust, market companies, income distribution, all that kind of thing? But, again, how heavy do you wanna lean into running a farm, being employees, beneficiaries of a family trust as opposed to because, you know, the government's pretty pretty restrictive on that at the moment. If you just do it on paper, they still hit you with all the taxes. You have to actually prove that people are doing the things and receiving the money and so on. So on email let me have a quick look. There we go. Property link in Emerville. I don't think I've seen this one before. This is not one of the first couple that you sent me around Christmas time. Yeah. This is the 500,000 you were talking about. Yep. Oh, that's did that be a Glen Innes? Oh, wow. A bit of fossicking around there, like you said, fossicking, hunting. Yeah. And that's the thing too. The cool thing about land is you run into less issues than with the dwellings because, again, if you have a dwelling and you're living in it and you don't have it all linked up properly with businesses and unit trusts and all that, you're gonna get in trouble. But no one's gonna know that you've just driven out to the property to go shooting. Yeah. And what if that's all you do? Because, again, with the those systems, getting lots of properties, selling them off, paying them off quicker, it's it's a fantastic compounding effect. And, look, I see it all the time on the Gold Coast. So many people just setting up an SMSF out of the blue. They've got LinkedIn with buyer's agents. They can receive $20.40, $60,000 for selling the property to you, that kind of thing. Stacking properties in that way works very, very, very well. But the question I would ask is, what if this is all you do? You just pay off this place, buy this place, and build your super up. Isn't that the perfect outcome anyway? Yeah. Yeah. Yeah. Yeah. I'm hearing you. So one last question for you then is what's the the ability for this like, you did mention leasing it out. What's the ability for it to generate any of the returns? Yeah. Okay. Yeah. Mhmm. Yeah. Yeah. Right. That's fantastic. Yeah. Jeez. That's it. That's it. Yeah. Oh. Yeah. So one thing I'm thinking too is, you know how I was talking about people getting property management through SMSF and amusement parks and things like that? Let's say you've got an idea of we buy this and we add some cabins on it, right, just for argument's sake. Everything there from an investment retirement legal standpoint, it's all gonna be, like, market rates. So let's say there's a cabin on top and people rent it for a holiday, and one of those people just happens to be you guys once through that year, and you use the property and you pay a market rate, which is essentially paying your own super you're paying yourself. Do you know what I mean? The two things that you run into, which is not crystal in my mind, but I've seen it happen a lot, you're not really meant to improve the SMSF property. So most of the time, when you buy just a straight up house, people go, I wanna buy a fixer upper and renovate it and flip it. You can't do that. You can't add to it and improve it in that sense, so people generally buy commercial or new properties. The flip side to that guy who had the amusement park was 10% loan from the super through his business. And it was his business on the property, and the super was helping fund that and lease the property back. So it was a time between their business and this self managed super fund in two commercial ways, the business loan and the leasing of the property at commercial rates. So there's things that you can do there, but it then has to tie in your personal with your super, if that makes sense. Perfect. Yeah. And it's cool to do. It just ties up loans, unfortunately. So, like, if you have to do a bit personal with your own company and a bit in the super, you just kind of have these two little debts that kind of interplay. And at some point, someone's gonna have to sell something to someone else. You know what I mean? In terms of entities, either you to yourself or you to someone else. And the last thing I wanted to say about that was just around when I asked about generating a return from the property. Even if it's not gonna be the biggest moneymaker, the flip side to that is, let's say you've got that goal we talked about before. House is paid off. You've got that property. You've got your portfolio on the side. If the retirement income need is less because you've got all these properties paid off and you've got the best of both lifestyle worlds, then you don't need that extra million dollars. Yeah. As long as that's kind of the goal saying, k. Either we generate a return out of this to get what we were getting before or we accept it's gonna be a lower return but better lifestyle at the end, just a lower income. Yeah. No. I love it. You guys have put it really eloquently and put a lot of thought into all of this, and I just love like, I've been kind of along the journey a little bit the last twelve months watching all of this kind of formula. And just as you guys have gone from step one, two, three, four, five, I can feel you getting closer to it. And I know that you can feel that too. So you're gonna get there. I'll keep doing my best in the background with Sevvy doing our thing. If you need us, Chris, anyone else, just give us a call. And at some point, I just can't wait to see what you guys end up doing. He's good. He's good. He's back. He's doing things. You know, Sev, he's an absolute bundle of energy, and I I barely see him for a couple of hours a day because he's just all over doing everything. And he's definitely a lot better a lot better since last year. Yeah. He's just a bundle of energy at the moment. He's just really picked the office vibes up a little bit. I'll have to get him to to give you a buzz at some point and do a bit of a catch up. And, again, next time you're around, we'll take you out for lunch. But, yeah, he's definitely definitely on the mend. I love it. Yes. Yeah. It's pretty much a bit of a rebalance of the portfolio weightings, the replacement of the Bennelong, the addition of those three options, bit of a rollover from QSuper. Everything else is currently on pause in terms of property, cash flow, and insurances, and that's kind of our our next steps. And, hopefully, by tax time, we've got a bit more clarity around the work side of things, insurance, SMSF, and so on, and then we can just dive into all different directions. So the first thing you would do is, let's say, you find the property, you find the idea, shoot it through to Savvy, Chris, and myself so we can look over it together. We'll spitball some ideas and work out the kinks and figures. We can put an updated plan together, so usual statement of advice, all that kind of thing. When it comes to SMSF, accountants do the entities, advisors do the product and the strategy. So if we get a good plan together and everyone's happy with it, they'll set up the trust and the companies and everything like that. We'll set up the bank accounts and the investment accounts, and and we kind of dive into it. Couple of cool things we can do as long as we get the right bank account, such as like a a Macquarie cash management account or something like that, that'll facilitate all of your transactions, rental income contributions, all that kind of thing. And then the even Hub twenty four now can do an SMSF owned account and just move all your stuff across in the spec sheet. Don't even have to sell it down. They can just bring it across with a with a click of a button. We would have to tie in if it's gonna be both of you guys and both of your supers, tie all that in together. And, hopefully, if you've got that EBA sorted and you've got choice of funds, it's much cleaner if you can have your contributions flowing through your SMSF bank account so that it's helping service the property and the loans and everything. And then you can distribute the funds and invest them from there into property and investments. Having to have funds go to q super and and Belinda's super and then an SMSF on the side and rolling funds around all year, that can be really painful so that the cleaner to set up the best. Yeah. You wouldn't even have to split it. So one of the things that you can do is, let's say, every single dollar goes into that one bank account. Loans are paid, contributions come in, fees, taxes, premiums for insurances. Everything gets through the wash. We literally just take that lump sum, invest it into the portfolio. And then every year when we revisit it, we see how the cash flow has gone for the SMSF because that's gonna take into account loan repayments. And if there's a leftover, you would pretty much do, like, a once a year or once every six months investment of excess funds. Then it just becomes much more fluid. The property is owned. Everything just continuously getting invested, and we can just basically run it like we have been. And even if you want? Yeah. Go for it. Yeah. Yeah. Yeah. Yeah. And you guys can't see me right now. I do apologize for not being on video call, but I just have this huge smile on my face looking at this flowchart they've sent you because I just went through a flowchart with the staff members last week about SMSF, and it almost mimics this exactly. Yeah. What what when I look at this, this is explaining your entities really, really well in terms of the SMSF trustee, having to have the bare trust, the bare trustee, and the property, the lender, all that kind of thing. What I was explaining before to you, Carl, about the bank account and the investment account is just zooming in on that yellow side and the actual accounts that are sitting under the hood. Yeah. Yep. And it's the only way to do it. A lot of people wanna, like, scrimp and save on fees to go, oh, I'll be an individual trustee of my SMSF, and it's just like, just just pay that little bit extra to have the company so it's safe. The the lenders usually require it to have the bare trust and the BearTrustee being a company anyway. Back when I was doing a lot of SMSFs about ten years ago, you had to have a 50% deposit, and there was only two or three lenders that would do it. It's relaxed a lot now, but it comes in cycles. And one day, someone's gonna restrict it again, and you're gonna wanna make sure you've got a safe setup and not have to be falling into our we did it the cheap and easy way, and now all of a sudden the government's restricted us. Yeah. I I pretty much agree with what Chris said. This is the first time since I've been an adult that I've seen something that politically what would you call it? The political appetite to make those changes for the first time, and they've been wanting to do it for a long, long time. This is the first time that everyone's pretty much in agreement to do it. And if there's one time to do it, it's now. Right? When everyone's in the hurt, they're pretty much gonna use that as the excuse to do it. So it's gonna come through. There's a lot of reassurances that they're trying to do in terms of grandfathering, but also the targeting of it. So changing the percentages is gonna be the most detrimental to a lot of people. The removal of the CGT discount for people above three properties are heard thrown around. That's more to target the people who own five, ten, 20 investments. They're trying to make sure that they avoid upsetting the mom and pops who have their one or two investment properties because that's a big vote of us. So that should be pretty safe. If they do the percentages, I'd be pretty yeah. Yeah. Yeah. Yep. There you go. He owns how much? $330. Yeah. Yeah. I appreciate that. And to be honest, I meant what I said in the email when I said that I've always liked spitballing ideas in the industry. And if there's an opportunity to work with those guys or someone else down the line, like, I'm never one to try and bubble things off to the side. I've always talked to everyone in the industry, and if they've got cool ideas, that's fantastic. My favorite thing to do is sitting there with a whiteboard with Chris and Savvy and myself and whoever and just coming up with ideas. This is the most fun. When you've got people who can do the things, let's come up with the best three, four, five ideas and figure out which one suits you guys, and then we just go and do it. Thank you. Yeah. Cool. When it comes to the SMSF ideas, I'll definitely have a chat to Chris and Savi about it. I'm gonna take it a little little bit slow because I I need some things, some ducks to line up for you guys before I would say to dive into it, and that's things like the agreement with work. If you're having to interplay between health conditions, occupation issues for insurances for both of you guys, restrictions on having to have q super still there, it becomes very messy very quickly. And if those line up over the next couple of months, it becomes much, much more of a realistic thing to dive into. So exactly what you said about the ideas about whether you go outright or partial loan, things like that, I'll spit all those ideas, but I'm seeing this happening after end of financial year. Oh, and also, because I'm going away on paternity leave in June with my daughter on arrival, I'll make sure Savvy's there on call for that month until I get back around July. Thank you. So it's hour number three. You got the two two boys, six and three, and then the daughter on the way. So very, very excited. Well, my wife, Alexis, she's already had a much more rough pregnancy. She said that apparently girls are really hard in pregnancy, and that's all I've heard around the office. And her back's killing her. She's limping to the finish line, but we are so excited. No, Belinda. No. Thank you. No. Everyone was involved. We we get everyone to do it. It was fantastic. We brought everyone over to my grandmother's house, my my bubba over there, and we all helped cook it up because she's she's 86 now. She's she's definitely getting on in years, but we all sat around the family kitchen that I grew up with in Oxford there. It was a big family home where you had all the aunts and uncles and everything and cooked up some and and all the cheesecakes in the world, jam cakes and all the rest of it. Everyone's invited when it comes to Bubba's house. Yeah. It was serious, and then she sent me home with because my favorite's always been her cheesecake since I've been little. She gives me an entire container full of it and then a whole bunch of leftovers, and then I'm basically dead for two weeks eating the same thing. No. Thank you very much, Linda and Carl. I'm gonna flick you back a quick reply to your email. I've graffitied on that picture a little bit just to add in the context of the I'm gonna call it my graffiti. The context of the accounts for the investments. Outside of that, I do have a separate email coming to you just for the renewed service agreement because that that clicked off last month. So I'll pop that through to you separately. Just wanted to make sure you were happy with the strategy first. Awesome, guys. I'll pop that through to you now. So there'll be two Odoo emails and my graffiti, and I will talk to you guys around tax time. No. Still discounted to 1.1. You're getting close to the cap. So Sevvy is very excited, but we've almost got you there, and everyone's happy. And anything you need, you just give us a call. Thanks, guys. Have a good night. 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from Oakview Financial. Living the dream, Carl. How you been? Good to hear. Good to hear.\n\nYou've got the fancy call forwarding service on, sir. I think it's brilliant. I've been noticing it a lot more recently, and I think I want to get it on mine. Are you on is it iPhone? Or that is very cool.\n\nVery cool. Mate, I'm gonna send you through this updated statement of advice to your Hotmail address. Is that okay? Perfect. Before I jump into it, usual security process, even though I know it is you.\n\nAre you able to confirm your date of birth and address, please? Fantastic. Thank you for that call. And are you okay for the call to be recorded? Legendary.\n\nMate, I've just shot that through. We're using a new system that we've kind of custom built at the moment, so it may come through to your main inbox or your spam box. So just let me know if that kind of pops through okay. Hey, Belinda. Am I on speakerphone?\n\nHow are you doing? Fantastic. It is absolutely brilliant of an evening at the moment. The sun's just setting behind me over the Marina Mirage. It's cool.\n\nIt's beautiful. What about your end? Oh, I love it. Now do you guys want me to flick you through a bit of a a Teams invite to do a video call? You prefer just sort of going through it over the phone?\n\nWhat's easier for you? Perfect. And then what I'll do too is I'm gonna shoot it through from my email address directly as well. Most of the times, it's pretty instant, but I have had twice where it came through after about three, four minutes or so. So I'm just gonna do another attachment as well.\n\nStatement of advice. Two won't be too sexy, Carl. So how's everything been going with you guys? Easter was fun. Easter was crazy.\n\nGoing through all the fun investment stuff, you've got all kinds of things going on. Oh, yeah. And did you cut much from the the fuel issues driving around so much at the time? Yeah. That's good.\n\nJust high price, but we're able to get there enough. No one's fighting over it. Mad Max style. Yep. That's alright.\n\nI'll hit a resend on that one, and it may come through a little bit later. The filtering's always a bit rough on the first one that we send. So we'll just go through that one that I sent through the the PDF attachment. Perfect. Now when you've got that open, if you can let me know if you can see that beachfront city picture, I'll run you through.\n\nAnd just before I do that too, I was having a look at the old hub account. It's kind of done a little bit of a bounce back recently, which is good. Not sure if you've been logging in recently. Yeah. The the volatility at the moment is daily at the moment.\n\nSo this morning, it was at 08:11. They updated the unit prices at 3PM, and it jumped to $8.14 $6.80. So it's just thousands a day at the moment. Okay. Right.\n\nOh, fun. And did you get much of an an outcome out of the EBA negotiations? Wow. Yep. Wow.\n\nYeah. Oh, jeez. Yeah. It was just a bit disappointing not to figure out what the go was with those insurances because, like you said, that's such a big a big thing whether it's been sitting there all these years or if it's currently on offer, makes a huge difference for every employee, her advisers, their strategies, all that kind of thing. It's just yeah.\n\nI guess it'll take time, these things do, but it'd be nice to know what the goal is with it. Yeah. Absolutely. And that'll be a fight. Like, if if they find out that there's been insurances for all these years, it it's class action territory.\n\nI don't think they'll just jump at the chance to pay everyone back their premiums, and it'll be all these individual cases with individual figures. Everyone will pull together. All kinds of things can come from it. So I guess that might be part of the delay too. Well, beautiful.\n\nIt should be a bit of a beachfront Gold Coast looking thing. And the reason ah, perfect. Hang on a second. Perfect. So that should be the right email then because I only attached that one document from my personal one.\n\nSo, hopefully, this one's come through with both. That's fantastic. The other one's just the appendix with links to all the investments. Perfect. Actually, this one was really fun to write because, obviously, everything that was going on recently in the markets, we're again, I've scoped this right down to just the the portfolio review while everything else is kind of pending with the property SMSF insurances and so on.\n\nSo it's purely just investment based. And I had a lot of fun trying to, I guess, restructure your portfolio a little bit, and it's quite quite custom. It's kind of a bit of a work of art for me. I'm very proud of it. But some of the information here will obviously be a little bit out of date because it was based on some discussions we had towards the end of the year.\n\nIt's got most of the goals are pretty accurate. We're talking about if you scroll down to page sort of three and four, it'll have your scope of advice. So, again, we're focusing on the super. I did include a little bit of estate planning just to make sure your wills and power of attorney and everything are up to date. But do you remember when we're kind of going through a bit of a long term goal for about 3,000,000 was kind of the end target for you guys?\n\nYep. So that's kind of the main thing I've factored in. On the next page where it's got not considered or limited scope, I've just put out the insurances for the time being, but I have factored in, you know, premiums and everything. And then once we've got an idea, we can make some changes there because I would I would love to be able to close down the old QSuper, get the insurances moved around. If you've got an employer policy, that'll be much better for you.\n\nLike fund restrictions. Yeah. Awesome. And I've also based the contributions on that as well because I think we had your income at about $3.30. And the statement we have from QSIP, I think $42 went in, worked out perfectly at 12.75.\n\nSo that's just kind of what the projections are based on. Beautiful. I've just scoped out everything else in terms of cash flow, debt investment, and self managed super fund just until you figure out what you're doing with the the rapid repay guys. So this is just purely portfolio. Now if you flick through to page seven and eight, this is probably the part that'll be the most out of date, but it's just your your current details.\n\nSo we've got yours, the commercial maritime pilot, 330, phone number, email address. And on the next page, we have some old figures for, like, your your home value, mortgage, and so on. Again, if that's changed if you've taken equity out and got properties, obviously, that's a bit different, But that's kind of the the last snapshot that we did together. Perfect. Is all that looking pretty okay from what you can see?\n\nYeah. Yeah. Perfect. So it's been released. It's there, but it's not been used yet, but it's just kind of sitting there in cache.\n\nPerfect. So I guess it'd be offsetting itself on the loan value as well, wouldn't it? Yeah. Yeah. Exactly right.\n\nLike, there'd be some kind of minimum repayments and everything, but it'll all just be capital off the loan. All the interest will be off. Should be fine. And that's one thing just before I jump into the meat and potatoes of it. So when I noted down, like, the goals and everything, you remember when we were talking around Christmas time around the the farms, whether you do it at 50, 60, that kind of thing?\n\nWhat are you guys thinking these days when it comes to moving out to the farm? I know you were kind of pausing it for a little while now that you've, I guess, figured out what it's like. The space. Yeah. Would you say it's, like, I'm getting the sense from my first conversation with you when we met in the office to Christmas time until now.\n\nAre you guys slowly leaning more towards, like, lifestyle over financial, would you say? Is that accurate? Yeah. And it's also possibly not necessary. Right?\n\nLike, it's it's a really cool idea to have that extra revenue source. But if you get enough funds and assets under the belt where you don't need to do that, why put on that extra burden, stress, that kind of thing at that time when what you want is that escape? Yeah. Yeah. It does.\n\nIt's kind of like the pictures slowly starting to form. You know? Like, the more you investigate and talk to people and figure it out, both of you seem to be just painting this picture of the life that you actually want, and it just slowly outlines now the colors filling in, and then you can start to see it becoming a bit more real in your mind. Yeah. Yeah.\n\nYeah. Absolutely. I'm noticing it more and more the more people I talk to. Like, a couple of things when it comes to goals and lifestyle is everyone's kind of trying to play out a retirement that someone else had the idea of. You know, you hear people come in the office and they say, I want financial freedom.\n\nWhat does that mean? Oh, I want a million dollars and go on holidays. But then when they actually come crunch time, they realize that's not what they want is to start enjoying life when you're 67 and have missed out for twenty years prior when you could have had the energy to do so. You know what I mean? Oh, man.\n\nAnd it comes down to the financial side of things too as everyone's trying to build all of the the property portfolios and share portfolios and all this kind of thing, and it's just about, is that actually what you wanna do at the end of the day? There's all these different avenues and options, but why waste a decade trying to build someone else's dream just because that's what everyone thinks everyone should do. So I'm with you guys on that a 100%. Yeah. And that's pretty well eloquently put.\n\nWould you pretty well agree, Belinda, with everything you said? Cool. Alright. I'm gonna dive through some of these figures in a second there as well. When it comes to, obviously, the SMSF side of things again, just work with Chris on all of those rules and regulations.\n\nI've I've had a few really fun ones in my career where I had a guy who really wanted to have a, amusement park and bought that through an SMSF, lived in it as well because he was kind of like an on-site manager for his own amusement park. But, hey, that's what he wanted was it was the same thing with property management. You know, you've got people who look after, like, a a unit building, but they live in to manage the rentals. They were able to kind of buy that that business, that property, still kind of live there because they were working out of it. It was probably the the coolest way to use it and still make it legal.\n\nThis guy was the Optimus Prime Superfund, and he bought this amusement park. And he's just living his best life at the moment, running an amusement park that he lives and works out of. So all kinds of things can be done. Just be careful with it. You don't wanna be tied up with something where you want it for the lifestyle asset, but then all of a sudden you get forced to sell it to get it in your name in retirement.\n\nJust be careful as you step through, but it's a pretty cool idea. Absolutely. All kinds of things can be done. So this one today is really, really simple. Carl, do you remember the email I sent you around the the market risks we were going over together?\n\nSo all I've done is just build this portfolio. I haven't changed the risk level. It's still growth. It's still four out of five. Contributions are still going in.\n\nIt's mainly just about forward looking for the investments in the market. So what you'll sort of see if you go through to pages about twelve thirteen, you'll see risk profile, just maintaining that growth allocation, and then it's kind of got the strategy page itself. So the two main recommendations in this document is do a bit of a rollover from QSuper to do a bit of a top up. I've recommended $12 stays there just because the way that premiums are looking, You kind of want a couple of year buffer. I'm happy to be guided by you on that, but 6 is the minimum.\n\n12 covers you for two years in case contributions stop all of a sudden. Yep. That would be perfect. QSuper is pretty good. We usually can put on the forms to maintain a minimum balance for what gets rolled over, and they can just do the excess.\n\nBut you said it was about 72 ish at the moment? Perfect. Now what I want you to do if you can, just because walls of text are never the most fun part of this industry, is if you skip past page thirteen, fourteen, 15 where it's got all of the strategy text, I'll just kind of show you in the actual figures what the pros and cons are, and you should see investment table, big blue one. Yeah. It's 16 on the header and 17 on the the PDF itself.\n\nIt's like a blue investment table, red heading. Cool. It should be a big smattering of figures. Lots of red, lots of black. Yep.\n\nPerfect. So what this table basically shows, we've updated our documents a little bit. It just shows buyers and sells between what you have and what we're recommending. The main thing that this does, all the ones at the top, we're rebalancing because the market's gone crazy the last twelve months since we last spoke, and a whole bunch of your investments are just going out of skew. They've gone really high, really low.\n\nThey just need to be brought back to middle ground. The three risks that we were talking about, Benelon Australian shares. There was some underperformance there compared to the market, so we're replacing that one. And that's all towards the bottom. If you go on the next page, it's kind of there's three options split off there.\n\nYou will see Alfiniti, shares, government, and iShares. Can you see that? So that's the three new options. Alfiniti is a like for like replacement of Benelong. Do you possibly have Google open at the moment?\n\nI wanna show you guys something because this is kind of very sort of top level comparison. Can you Google for me Benelong Australian shares? And you should see the website, the top result should be Benelong Australian Equities Fund, b a e p. If you open that one up, it'll give you this little snapshot of what this current one does. If you scroll down, it it should be kind of like a goldy orange color.\n\nIf you scroll down on that first page table, in the middle of that table, it says fees and charges, management fees 1%. And then if you hit the performance tab, all you can see on the left hand side is a whole bunch of negatives. So I was talking to Savi and Bart about this around Christmas time. Most of the times when a fund underperforms, you give it twelve months to bounce back, and we dug a bit deeper. There's a lot of people who exited that fund as far as investment managers.\n\nThe guy who built it disappeared for a few years on holidays and things like that, and they've just kind of gone off away from the pack in a bad direction. Now if you go back onto Google and actually type in Alfiniti with a p h, Australian share funds, Australian share funds. You'll have a pretty similar setup. You go down below. There's a table management fee in the middle, 0.9%, and it's a blue website.\n\nAnd it depends on if you're on the Australian share fund page or if you just go up to that little drop down for their funds, and you should see yep. The one at the top. Yeah. Australian share funds. If you hit the performance figure on that one Yep.\n\nAnd then if you hit the performance there, this is over one, three, five, seven, ten years. They're in the positive the whole way along, and they've outperformed the market in every single time period. So with everything going really well, I was looking at your your super today. Your your gold option had gone up a 107% for the year, which was brilliant. It's just trying to bring your Australian shares in in the line of same quality.\n\nNow I won't do the same thing for the other two in that statement of advice. Government inflation linked bonds was just because when inflation kicks up, your safe investments are gonna be pegged alongside it, so their interest rate will go up with inflation. So if that jumps up three, four, 5%, your fixed interest jumps up with it. And the other one was just really, really strange currency risk. Investing in American shares when the market goes up 15% and your super has only gotten a 6% return, we ask why.\n\nWe find out because they're using US Dollars to Australian dollars. When that money comes across and they convert it, there was a huge split between the US dollar and you lost out that 9% of the returns there. So I've split it with some currency hedging. It's a tiny bit more expensive, but it eliminates that risk. Yes.\n\nThat's the one that I found. Our we were talking do you remember Sevi talking about the SMA that we were building or Bart was talking about? Yeah. They found on the market this inflation linked government bonds option for the SMA, and I saw the idea. I liked it, had a look at it, compared it, and went, that's perfect for this, and that was the last piece of the puzzle.\n\nSo this is your own fully custom portfolio now. No one else has this one in Australia, and it's just for you, mate. If you go down to the next page, lovely little pie chart, we're just keeping everything in that 80% range for the growth assets. Up to you again, my last email where I was talking about, do we use this as a buying opportunity? Do we kick up a foot on the gas a little bit at some point?\n\nDo we reduce risk? This is, again, just keeping it same risk level. Not too high, not too low. I think looking at the portfolio currently, 15% was the return for the year after fees and taxes and premiums, which was pretty good. And I've just updated the projections in that table on page 19.\n\nYep. Yep. So my best estimation is between 50 and $100, give or take. Market's gonna fluctuate. Things will even out.\n\nI would love it if the world kind of relaxed a little bit for five years and we go back up to getting 15 to 25% returns and you go up to 2 mil in ten years. But until that's settled down, we're just getting a bit more conservative with it. Yeah. Yeah. Yeah.\n\nYeah. You're exactly right. I had a bit of a mentor. I've had two main mentors in the in the industry, and one of the guys, he worked very heavily in estate advice for people with deceased estates, family issues, people passing away, and so on. And he said, basically, our job is to get people to their goal with the least risk necessary.\n\nThere's no point taking excessive amounts of risk to try and shoot for the stars and get everyone rich and $1,020,000,000 dollars and all this kind of thing if you don't need to do it. You don't need to be high growth. We could put your super into some leverage investments where it borrows money, and you're investing at a 160% growth assets, and I can show you a 35% return or something like that. But it's just not it's just not necessary. It's supposed to be a steady ship that you have a high chance of hitting your goal, not saying I'm gonna shoot for the stars and and miss it by a million dollars because we went crazy.\n\nSo I've always been pretty conservative. I've always said that when you're in a growth portfolio, you need an eight to 9% average return. We're obviously aiming for as far into double digits as we can, but, again, bouncing between eight or nine average. And if you're consistently getting twelve, thirteen, 14, that's fantastic, but you still need that amount to hit to your goal. Yeah.\n\nYeah. Yeah. And that's the thing. Because you're in your your forties now, like, if you try and project out twenty five years of all the lifestyle changes, economic cycles, you just become wildly inaccurate. Whereas my philosophy has always been, let's continuously improve everything over five to ten years, try and get you a better outcome, better outcome bit by bit.\n\nAnd then once you hit that last ten year stretch, you've got to protect what you've built. Once you've got that few million dollars, let's slowly protect it more and more so you don't lose it all just before retirement, and then we can do an analysis. And we can go, okay. This is how long it's gonna actually last. There's no point me telling you 5,000,000, you're gonna last for a 100 years.\n\nIf you can just briefly remind me, Belinda, were you sitting on, I don't wanna guess, but around the 40 five months? And what about income level? Okay. K? So what you won't be able to do is, like, spousal contributions, probably not the best idea.\n\nUsually, if they're, like, under 45,000, you get a bit of a benefit out of that. The only thing is some concessional contribution. So your money gets taxed heavily, comes into your bank account, do some salary sacrifice for her at some point or a contribution and claim it. If she's on 90 to a 100, get a bit of a benefit out of that. But trying to get money from your name into her name, probably not gonna be the go.\n\nIt's more if she was on, yeah, 45 and under, I would say. Yeah. Yeah. One of the things that's gonna come into play for you a little bit is when when you go through all of the investigations for property SMSF farms or that kind of thing, remember how we were talking about, like, family trusts and bucket companies and things like that? Similar things come into to planning when you're in your fifties for your super cap.\n\nSo if you go above that one, I think it was 1,600,000.0 transfer balance cap. That's all you can move into, like, pension phase. The rest stays in accumulation, getting taxed higher. You've got estate taxes to worry about. So if it filters through past you guys to adult children, they cop a bit there as well.\n\nSo all of those entities come into play down the line as well. So it's just something to be conscious of about at some point whether we start using something like that. And if you do get farm and so on, do we start using trust, market companies, income distribution, all that kind of thing? But, again, how heavy do you wanna lean into running a farm, being employees, beneficiaries of a family trust as opposed to because, you know, the government's pretty pretty restrictive on that at the moment. If you just do it on paper, they still hit you with all the taxes.\n\nYou have to actually prove that people are doing the things and receiving the money and so on. So on email let me have a quick look. There we go. Property link in Emerville. I don't think I've seen this one before.\n\nThis is not one of the first couple that you sent me around Christmas time. Yeah. This is the 500,000 you were talking about. Yep. Oh, that's did that be a Glen Innes?\n\nOh, wow. A bit of fossicking around there, like you said, fossicking, hunting. Yeah. And that's the thing too. The cool thing about land is you run into less issues than with the dwellings because, again, if you have a dwelling and you're living in it and you don't have it all linked up properly with businesses and unit trusts and all that, you're gonna get in trouble.\n\nBut no one's gonna know that you've just driven out to the property to go shooting. Yeah. And what if that's all you do? Because, again, with the those systems, getting lots of properties, selling them off, paying them off quicker, it's it's a fantastic compounding effect. And, look, I see it all the time on the Gold Coast.\n\nSo many people just setting up an SMSF out of the blue. They've got LinkedIn with buyer's agents. They can receive $20.40, $60,000 for selling the property to you, that kind of thing. Stacking properties in that way works very, very, very well. But the question I would ask is, what if this is all you do?\n\nYou just pay off this place, buy this place, and build your super up. Isn't that the perfect outcome anyway? Yeah. Yeah. Yeah.\n\nYeah. I'm hearing you. So one last question for you then is what's the the ability for this like, you did mention leasing it out. What's the ability for it to generate any of the returns? Yeah.\n\nOkay. Yeah. Mhmm. Yeah. Yeah.\n\nRight. That's fantastic. Yeah. Jeez. That's it.\n\nThat's it. Yeah. Oh. Yeah. So one thing I'm thinking too is, you know how I was talking about people getting property management through SMSF and amusement parks and things like that?\n\nLet's say you've got an idea of we buy this and we add some cabins on it, right, just for argument's sake. Everything there from an investment retirement legal standpoint, it's all gonna be, like, market rates. So let's say there's a cabin on top and people rent it for a holiday, and one of those people just happens to be you guys once through that year, and you use the property and you pay a market rate, which is essentially paying your own super you're paying yourself. Do you know what I mean? The two things that you run into, which is not crystal in my mind, but I've seen it happen a lot, you're not really meant to improve the SMSF property.\n\nSo most of the time, when you buy just a straight up house, people go, I wanna buy a fixer upper and renovate it and flip it. You can't do that. You can't add to it and improve it in that sense, so people generally buy commercial or new properties. The flip side to that guy who had the amusement park was 10% loan from the super through his business. And it was his business on the property, and the super was helping fund that and lease the property back.\n\nSo it was a time between their business and this self managed super fund in two commercial ways, the business loan and the leasing of the property at commercial rates. So there's things that you can do there, but it then has to tie in your personal with your super, if that makes sense. Perfect. Yeah. And it's cool to do.\n\nIt just ties up loans, unfortunately. So, like, if you have to do a bit personal with your own company and a bit in the super, you just kind of have these two little debts that kind of interplay. And at some point, someone's gonna have to sell something to someone else. You know what I mean? In terms of entities, either you to yourself or you to someone else.\n\nAnd the last thing I wanted to say about that was just around when I asked about generating a return from the property. Even if it's not gonna be the biggest moneymaker, the flip side to that is, let's say you've got that goal we talked about before. House is paid off. You've got that property. You've got your portfolio on the side.\n\nIf the retirement income need is less because you've got all these properties paid off and you've got the best of both lifestyle worlds, then you don't need that extra million dollars. Yeah. As long as that's kind of the goal saying, k. Either we generate a return out of this to get what we were getting before or we accept it's gonna be a lower return but better lifestyle at the end, just a lower income. Yeah.\n\nNo. I love it. You guys have put it really eloquently and put a lot of thought into all of this, and I just love like, I've been kind of along the journey a little bit the last twelve months watching all of this kind of formula. And just as you guys have gone from step one, two, three, four, five, I can feel you getting closer to it. And I know that you can feel that too.\n\nSo you're gonna get there. I'll keep doing my best in the background with Sevvy doing our thing. If you need us, Chris, anyone else, just give us a call. And at some point, I just can't wait to see what you guys end up doing. He's good.\n\nHe's good. He's back. He's doing things. You know, Sev, he's an absolute bundle of energy, and I I barely see him for a couple of hours a day because he's just all over doing everything. And he's definitely a lot better a lot better since last year.\n\nYeah. He's just a bundle of energy at the moment. He's just really picked the office vibes up a little bit. I'll have to get him to to give you a buzz at some point and do a bit of a catch up. And, again, next time you're around, we'll take you out for lunch.\n\nBut, yeah, he's definitely definitely on the mend. I love it. Yes. Yeah. It's pretty much a bit of a rebalance of the portfolio weightings, the replacement of the Bennelong, the addition of those three options, bit of a rollover from QSuper.\n\nEverything else is currently on pause in terms of property, cash flow, and insurances, and that's kind of our our next steps. And, hopefully, by tax time, we've got a bit more clarity around the work side of things, insurance, SMSF, and so on, and then we can just dive into all different directions. So the first thing you would do is, let's say, you find the property, you find the idea, shoot it through to Savvy, Chris, and myself so we can look over it together. We'll spitball some ideas and work out the kinks and figures. We can put an updated plan together, so usual statement of advice, all that kind of thing.\n\nWhen it comes to SMSF, accountants do the entities, advisors do the product and the strategy. So if we get a good plan together and everyone's happy with it, they'll set up the trust and the companies and everything like that. We'll set up the bank accounts and the investment accounts, and and we kind of dive into it. Couple of cool things we can do as long as we get the right bank account, such as like a a Macquarie cash management account or something like that, that'll facilitate all of your transactions, rental income contributions, all that kind of thing. And then the even Hub twenty four now can do an SMSF owned account and just move all your stuff across in the spec sheet.\n\nDon't even have to sell it down. They can just bring it across with a with a click of a button. We would have to tie in if it's gonna be both of you guys and both of your supers, tie all that in together. And, hopefully, if you've got that EBA sorted and you've got choice of funds, it's much cleaner if you can have your contributions flowing through your SMSF bank account so that it's helping service the property and the loans and everything. And then you can distribute the funds and invest them from there into property and investments.\n\nHaving to have funds go to q super and and Belinda's super and then an SMSF on the side and rolling funds around all year, that can be really painful so that the cleaner to set up the best. Yeah. You wouldn't even have to split it. So one of the things that you can do is, let's say, every single dollar goes into that one bank account. Loans are paid, contributions come in, fees, taxes, premiums for insurances.\n\nEverything gets through the wash. We literally just take that lump sum, invest it into the portfolio. And then every year when we revisit it, we see how the cash flow has gone for the SMSF because that's gonna take into account loan repayments. And if there's a leftover, you would pretty much do, like, a once a year or once every six months investment of excess funds. Then it just becomes much more fluid.\n\nThe property is owned. Everything just continuously getting invested, and we can just basically run it like we have been. And even if you want? Yeah. Go for it.\n\nYeah. Yeah. Yeah. Yeah. And you guys can't see me right now.\n\nI do apologize for not being on video call, but I just have this huge smile on my face looking at this flowchart they've sent you because I just went through a flowchart with the staff members last week about SMSF, and it almost mimics this exactly. Yeah. What what when I look at this, this is explaining your entities really, really well in terms of the SMSF trustee, having to have the bare trust, the bare trustee, and the property, the lender, all that kind of thing. What I was explaining before to you, Carl, about the bank account and the investment account is just zooming in on that yellow side and the actual accounts that are sitting under the hood. Yeah.\n\nYep. And it's the only way to do it. A lot of people wanna, like, scrimp and save on fees to go, oh, I'll be an individual trustee of my SMSF, and it's just like, just just pay that little bit extra to have the company so it's safe. The the lenders usually require it to have the bare trust and the BearTrustee being a company anyway. Back when I was doing a lot of SMSFs about ten years ago, you had to have a 50% deposit, and there was only two or three lenders that would do it.\n\nIt's relaxed a lot now, but it comes in cycles. And one day, someone's gonna restrict it again, and you're gonna wanna make sure you've got a safe setup and not have to be falling into our we did it the cheap and easy way, and now all of a sudden the government's restricted us. Yeah. I I pretty much agree with what Chris said. This is the first time since I've been an adult that I've seen something that politically what would you call it?\n\nThe political appetite to make those changes for the first time, and they've been wanting to do it for a long, long time. This is the first time that everyone's pretty much in agreement to do it. And if there's one time to do it, it's now. Right? When everyone's in the hurt, they're pretty much gonna use that as the excuse to do it.\n\nSo it's gonna come through. There's a lot of reassurances that they're trying to do in terms of grandfathering, but also the targeting of it. So changing the percentages is gonna be the most detrimental to a lot of people. The removal of the CGT discount for people above three properties are heard thrown around. That's more to target the people who own five, ten, 20 investments.\n\nThey're trying to make sure that they avoid upsetting the mom and pops who have their one or two investment properties because that's a big vote of us. So that should be pretty safe. If they do the percentages, I'd be pretty yeah. Yeah. Yeah.\n\nYep. There you go. He owns how much? $330. Yeah.\n\nYeah. I appreciate that. And to be honest, I meant what I said in the email when I said that I've always liked spitballing ideas in the industry. And if there's an opportunity to work with those guys or someone else down the line, like, I'm never one to try and bubble things off to the side. I've always talked to everyone in the industry, and if they've got cool ideas, that's fantastic.\n\nMy favorite thing to do is sitting there with a whiteboard with Chris and Savvy and myself and whoever and just coming up with ideas. This is the most fun. When you've got people who can do the things, let's come up with the best three, four, five ideas and figure out which one suits you guys, and then we just go and do it. Thank you. Yeah.\n\nCool. When it comes to the SMSF ideas, I'll definitely have a chat to Chris and Savi about it. I'm gonna take it a little little bit slow because I I need some things, some ducks to line up for you guys before I would say to dive into it, and that's things like the agreement with work. If you're having to interplay between health conditions, occupation issues for insurances for both of you guys, restrictions on having to have q super still there, it becomes very messy very quickly. And if those line up over the next couple of months, it becomes much, much more of a realistic thing to dive into.\n\nSo exactly what you said about the ideas about whether you go outright or partial loan, things like that, I'll spit all those ideas, but I'm seeing this happening after end of financial year. Oh, and also, because I'm going away on paternity leave in June with my daughter on arrival, I'll make sure Savvy's there on call for that month until I get back around July. Thank you. So it's hour number three. You got the two two boys, six and three, and then the daughter on the way.\n\nSo very, very excited. Well, my wife, Alexis, she's already had a much more rough pregnancy. She said that apparently girls are really hard in pregnancy, and that's all I've heard around the office. And her back's killing her. She's limping to the finish line, but we are so excited.\n\nNo, Belinda. No. Thank you. No. Everyone was involved.\n\nWe we get everyone to do it. It was fantastic. We brought everyone over to my grandmother's house, my my bubba over there, and we all helped cook it up because she's she's 86 now. She's she's definitely getting on in years, but we all sat around the family kitchen that I grew up with in Oxford there. It was a big family home where you had all the aunts and uncles and everything and cooked up some and and all the cheesecakes in the world, jam cakes and all the rest of it.\n\nEveryone's invited when it comes to Bubba's house. Yeah. It was serious, and then she sent me home with because my favorite's always been her cheesecake since I've been little. She gives me an entire container full of it and then a whole bunch of leftovers, and then I'm basically dead for two weeks eating the same thing. No.\n\nThank you very much, Linda and Carl. I'm gonna flick you back a quick reply to your email. I've graffitied on that picture a little bit just to add in the context of the I'm gonna call it my graffiti. The context of the accounts for the investments. Outside of that, I do have a separate email coming to you just for the renewed service agreement because that that clicked off last month.\n\nSo I'll pop that through to you separately. Just wanted to make sure you were happy with the strategy first. Awesome, guys. I'll pop that through to you now. So there'll be two Odoo emails and my graffiti, and I will talk to you guys around tax time.\n\nNo. Still discounted to 1.1. You're getting close to the cap. So Sevvy is very excited, but we've almost got you there, and everyone's happy. And anything you need, you just give us a call.\n\nThanks, guys. Have a good night. Bye.","paragraphs":[{"sentences":[{"text":"Tommy from Oakview Financial.","start":6.8799996,"end":8.190001,"sentiment":"neutral","sentiment_score":0.03280611056834459},{"text":"Living the dream, Carl.","start":21.855,"end":22.895,"sentiment":"neutral","sentiment_score":0.2734687924385071},{"text":"How you been?","start":22.895,"end":23.715,"sentiment":"neutral","sentiment_score":0.16866844395796457},{"text":"Good to hear.","start":25.79,"end":26.35,"sentiment":"positive","sentiment_score":0.5855898857116699},{"text":"Good to hear.","start":26.35,"end":26.91,"sentiment":"positive","sentiment_score":0.49843071897824603}],"sentiment":"neutral","sentiment_score":0.29312745635123816,"num_words":17,"start":6.8799996,"end":26.91},{"sentences":[{"text":"You've got the fancy call forwarding service on, sir.","start":26.91,"end":29.89,"sentiment":"neutral","sentiment_score":0.24749025205771127},{"text":"I think it's brilliant.","start":49.18,"end":50.22,"sentiment":"positive","sentiment_score":0.7677320539951324},{"text":"I've been noticing it a lot more recently, and I think I want to get it on mine.","start":50.22,"end":54.54,"sentiment":"neutral","sentiment_score":0.25517963618040085},{"text":"Are you on is it iPhone?","start":54.54,"end":55.920002,"sentiment":"neutral","sentiment_score":0.023272824473679066},{"text":"Or that is very cool.","start":55.98,"end":59.260002,"sentiment":"positive","sentiment_score":0.5012839704751968}],"sentiment":"neutral","sentiment_score":0.29851501749917153,"num_words":42,"start":26.91,"end":59.260002},{"sentences":[{"text":"Very cool.","start":59.260002,"end":60.08,"sentiment":"positive","sentiment_score":0.6386942863464355},{"text":"Mate, I'm gonna send you through this updated statement of advice to your Hotmail address.","start":60.355,"end":65.555,"sentiment":"neutral","sentiment_score":0.10184889932473501},{"text":"Is that okay?","start":65.555,"end":66.375,"sentiment":"neutral","sentiment_score":0.06445445865392685},{"text":"Perfect.","start":67.795,"end":68.295,"sentiment":"neutral","sentiment_score":0.2188473641872406},{"text":"Before I jump into it, usual security process, even though I know it is you.","start":68.435,"end":73.015,"sentiment":"neutral","sentiment_score":0.03010362063844999}],"sentiment":"neutral","sentiment_score":0.1019135308969352,"num_words":36,"start":59.260002,"end":73.015},{"sentences":[{"text":"Are you able to confirm your date of birth and address, please?","start":73.395,"end":76.11,"sentiment":"neutral","sentiment_score":0.012614648090675473},{"text":"Fantastic.","start":84.19,"end":84.69,"sentiment":"positive","sentiment_score":0.4448283314704895},{"text":"Thank you for that call.","start":84.91,"end":85.71,"sentiment":"positive","sentiment_score":0.438806813955307},{"text":"And are you okay for the call to be recorded?","start":85.71,"end":87.57,"sentiment":"neutral","sentiment_score":0.05996744967997074},{"text":"Legendary.","start":89.245,"end":89.745,"sentiment":"neutral","sentiment_score":0.06486077606678009}],"sentiment":"neutral","sentiment_score":0.11913011900695233,"num_words":29,"start":73.395,"end":89.745},{"sentences":[{"text":"Mate, I've just shot that through.","start":90.045,"end":91.485,"sentiment":"neutral","sentiment_score":0.02262230683118105},{"text":"We're using a new system that we've kind of custom built at the moment, so it may come through to your main inbox or your spam box.","start":91.485,"end":98.865,"sentiment":"neutral","sentiment_score":0.022408016163993766},{"text":"So just let me know if that kind of pops through okay.","start":98.925,"end":101.905,"sentiment":"neutral","sentiment_score":0.045410168978075184},{"text":"Hey, Belinda.","start":107.18,"end":107.899994,"sentiment":"neutral","sentiment_score":0.048248399049043655},{"text":"Am I on speakerphone?","start":107.899994,"end":108.72,"sentiment":"neutral","sentiment_score":0.03921744227409363}],"sentiment":"neutral","sentiment_score":0.03017723279110357,"num_words":51,"start":90.045,"end":108.72},{"sentences":[{"text":"How are you doing?","start":108.939995,"end":109.759995,"sentiment":"neutral","sentiment_score":0.06298193242400885},{"text":"Fantastic.","start":111.579994,"end":112.079994,"sentiment":"positive","sentiment_score":0.6193912029266357},{"text":"It is absolutely brilliant of an evening at the moment.","start":112.22,"end":115.425,"sentiment":"positive","sentiment_score":0.6216198027133941},{"text":"The sun's just setting behind me over the Marina Mirage.","start":115.425,"end":118.08501,"sentiment":"positive","sentiment_score":0.383969783782959},{"text":"It's cool.","start":118.465004,"end":119.285,"sentiment":"positive","sentiment_score":0.570785641670227}],"sentiment":"positive","sentiment_score":0.44699207707135763,"num_words":27,"start":108.939995,"end":119.285},{"sentences":[{"text":"It's beautiful.","start":119.505005,"end":120.225006,"sentiment":"positive","sentiment_score":0.5619542896747589},{"text":"What about your end?","start":120.225006,"end":121.365005,"sentiment":"neutral","sentiment_score":0.042704225052148104},{"text":"Oh, I love it.","start":137.12,"end":141.075,"sentiment":"neutral","sentiment_score":0.23325075954198837},{"text":"Now do you guys want me to flick you through a bit of a a Teams invite to do a video call?","start":142.015,"end":146.335,"sentiment":"neutral","sentiment_score":0.04351263256235556},{"text":"You prefer just sort of going through it over the phone?","start":146.335,"end":148.655,"sentiment":"neutral","sentiment_score":0.03120689144866033}],"sentiment":"neutral","sentiment_score":0.08205307534960814,"num_words":43,"start":119.505005,"end":148.655},{"sentences":[{"text":"What's easier for you?","start":148.655,"end":149.955,"sentiment":"neutral","sentiment_score":0.06626416463404894},{"text":"Perfect.","start":163.39,"end":163.89,"sentiment":"neutral","sentiment_score":0.29888641834259033},{"text":"And then what I'll do too is I'm gonna shoot it through from my email address directly as well.","start":171.685,"end":177.86499,"sentiment":"neutral","sentiment_score":0.0783432988744033},{"text":"Most of the times, it's pretty instant, but I have had twice where it came through after about three, four minutes or so.","start":178.73,"end":185.23,"sentiment":"neutral","sentiment_score":-0.07422053238943867},{"text":"So I'm just gonna do another attachment as well.","start":185.84999,"end":188.98999,"sentiment":"neutral","sentiment_score":0.037449573891030416}],"sentiment":"neutral","sentiment_score":0.012186422777761306,"num_words":56,"start":148.655,"end":188.98999},{"sentences":[{"text":"Statement of advice.","start":192.58499,"end":194.28499,"sentiment":"neutral","sentiment_score":-0.017330172782142956},{"text":"Two won't be too sexy, Carl.","start":197.78499,"end":201.48499,"sentiment":"neutral","sentiment_score":-0.19828989605108896},{"text":"So how's everything been going with you guys?","start":204.12,"end":205.87999,"sentiment":"neutral","sentiment_score":0.08652533683925867},{"text":"Easter was fun.","start":205.87999,"end":207.23999,"sentiment":"neutral","sentiment_score":0.3308509588241577},{"text":"Easter was crazy.","start":207.23999,"end":208.21999,"sentiment":"neutral","sentiment_score":0.13069207221269608}],"sentiment":"neutral","sentiment_score":0.036308777963985565,"num_words":23,"start":192.58499,"end":208.21999},{"sentences":[{"text":"Going through all the fun investment stuff, you've got all kinds of things going on.","start":208.59999,"end":212.37999,"sentiment":"neutral","sentiment_score":0.1747472792863846},{"text":"Oh, yeah.","start":259.86002,"end":260.6,"sentiment":"neutral","sentiment_score":0.08859560638666153},{"text":"And did you cut much from the the fuel issues driving around so much at the time?","start":275.00998,"end":279.03,"sentiment":"neutral","sentiment_score":-0.05672231535701191},{"text":"Yeah.","start":294.785,"end":295.285,"sentiment":"neutral","sentiment_score":0.15033026039600372},{"text":"That's good.","start":305.52,"end":306.08,"sentiment":"positive","sentiment_score":0.3467322140932083}],"sentiment":"neutral","sentiment_score":0.07237610079952188,"num_words":37,"start":208.59999,"end":306.08},{"sentences":[{"text":"Just high price, but we're able to get there enough.","start":306.08,"end":308.8,"sentiment":"neutral","sentiment_score":0.17356401085853576},{"text":"No one's fighting over it.","start":308.8,"end":310.24,"sentiment":"neutral","sentiment_score":-0.04702995084226132},{"text":"Mad Max style.","start":310.24,"end":311.37997,"sentiment":"neutral","sentiment_score":-0.01747209175179402},{"text":"Yep.","start":317.64502,"end":318.14502,"sentiment":"neutral","sentiment_score":-0.0043195984326303005},{"text":"That's alright.","start":320.52502,"end":321.24503,"sentiment":"neutral","sentiment_score":0.08939163014292717}],"sentiment":"neutral","sentiment_score":0.07726370195104253,"num_words":21,"start":306.08,"end":321.24503},{"sentences":[{"text":"I'll hit a resend on that one, and it may come through a little bit later.","start":321.24503,"end":324.46503,"sentiment":"neutral","sentiment_score":0.04501569550484419},{"text":"The filtering's always a bit rough on the first one that we send.","start":324.96002,"end":328.26,"sentiment":"neutral","sentiment_score":-0.257854604950318},{"text":"So we'll just go through that one that I sent through the the PDF attachment.","start":328.40002,"end":331.94,"sentiment":"neutral","sentiment_score":0.05478149130940437},{"text":"Perfect.","start":334.24002,"end":334.72,"sentiment":"positive","sentiment_score":0.45796746015548706},{"text":"Now when you've got that open, if you can let me know if you can see that beachfront city picture, I'll run you through.","start":334.72,"end":340.18002,"sentiment":"neutral","sentiment_score":0.17068637566020092}],"sentiment":"neutral","sentiment_score":0.039772523324126785,"num_words":69,"start":321.24503,"end":340.18002},{"sentences":[{"text":"And just before I do that too, I was having a look at the old hub account.","start":342.095,"end":345.215,"sentiment":"neutral","sentiment_score":0.11776442036909215},{"text":"It's kind of done a little bit of a bounce back recently, which is good.","start":345.215,"end":348.495,"sentiment":"neutral","sentiment_score":0.24602288554112117},{"text":"Not sure if you've been logging in recently.","start":348.495,"end":350.35498,"sentiment":"neutral","sentiment_score":-0.01376418478321284},{"text":"Yeah.","start":366.285,"end":366.60498,"sentiment":"neutral","sentiment_score":-0.02200430259108543},{"text":"The the volatility at the moment is daily at the moment.","start":366.60498,"end":371.085,"sentiment":"neutral","sentiment_score":-0.13929659670049493}],"sentiment":"neutral","sentiment_score":0.0774607324005606,"num_words":52,"start":342.095,"end":371.085},{"sentences":[{"text":"So this morning, it was at 08:11.","start":371.085,"end":373.425,"sentiment":"neutral","sentiment_score":-0.014085351888622557},{"text":"They updated the unit prices at 3PM, and it jumped to $8.14 $6.80.","start":373.645,"end":378.465,"sentiment":"neutral","sentiment_score":0.016000491137114856},{"text":"So it's just thousands a day at the moment.","start":378.66,"end":381.08002,"sentiment":"neutral","sentiment_score":0.02809547322491805},{"text":"Okay.","start":407.01,"end":407.51,"sentiment":"neutral","sentiment_score":-0.08291701972484589},{"text":"Right.","start":417.585,"end":418.085,"sentiment":"neutral","sentiment_score":-0.033554911613464355}],"sentiment":"neutral","sentiment_score":0.007928911266067335,"num_words":31,"start":371.085,"end":418.085},{"sentences":[{"text":"Oh, fun.","start":457.47998,"end":458.03998,"sentiment":"neutral","sentiment_score":0.3072624057531357},{"text":"And did you get much of an an outcome out of the EBA negotiations?","start":458.03998,"end":462.13998,"sentiment":"neutral","sentiment_score":0.2184257869209562},{"text":"Wow.","start":483.03,"end":483.53,"sentiment":"neutral","sentiment_score":-0.22435930371284485},{"text":"Yep.","start":494.645,"end":495.145,"sentiment":"neutral","sentiment_score":-0.18320463597774503},{"text":"Wow.","start":534.52997,"end":535.02997,"sentiment":"neutral","sentiment_score":0.13378074765205383}],"sentiment":"neutral","sentiment_score":0.1788790861242696,"num_words":19,"start":457.47998,"end":535.02997},{"sentences":[{"text":"Yeah.","start":560.73505,"end":561.23505,"sentiment":"neutral","sentiment_score":0.012056437321007252},{"text":"Oh, jeez.","start":578.26996,"end":579.01,"sentiment":"neutral","sentiment_score":0.06459577940404415},{"text":"Yeah.","start":588.685,"end":589.005,"sentiment":"neutral","sentiment_score":-0.02678862027823925},{"text":"It was just a bit disappointing not to figure out what the go was with those insurances because, like you said, that's such a big a big thing whether it's been sitting there all these years or if it's currently on offer, makes a huge difference for every employee, her advisers, their strategies, all that kind of thing.","start":589.005,"end":607.67,"sentiment":"neutral","sentiment_score":-0.31559936085651663},{"text":"It's just yeah.","start":607.67,"end":609.02997,"sentiment":"neutral","sentiment_score":-0.07962791870037715}],"sentiment":"neutral","sentiment_score":-0.2835259586142806,"num_words":65,"start":560.73505,"end":609.02997},{"sentences":[{"text":"I guess it'll take time, these things do, but it'd be nice to know what the goal is with it.","start":609.02997,"end":613.155,"sentiment":"neutral","sentiment_score":0.011479226127266883},{"text":"Yeah.","start":627.73,"end":628.23,"sentiment":"neutral","sentiment_score":-0.1616683006286621},{"text":"Absolutely.","start":634.37,"end":634.87,"sentiment":"neutral","sentiment_score":-0.09963098168373108},{"text":"And that'll be a fight.","start":635.17,"end":636.52997,"sentiment":"neutral","sentiment_score":-0.32601113617420197},{"text":"Like, if if they find out that there's been insurances for all these years, it it's class action territory.","start":636.52997,"end":642.775,"sentiment":"negative","sentiment_score":-0.3879312621919732}],"sentiment":"neutral","sentiment_score":-0.19635792222359907,"num_words":46,"start":609.02997,"end":642.775},{"sentences":[{"text":"I don't think they'll just jump at the chance to pay everyone back their premiums, and it'll be all these individual cases with individual figures.","start":643.475,"end":650.595,"sentiment":"neutral","sentiment_score":-0.1995939502120018},{"text":"Everyone will pull together.","start":650.595,"end":651.815,"sentiment":"neutral","sentiment_score":-0.0871413704007864},{"text":"All kinds of things can come from it.","start":652.595,"end":653.955,"sentiment":"neutral","sentiment_score":-0.11292166821658611},{"text":"So I guess that might be part of the delay too.","start":653.955,"end":656.295,"sentiment":"neutral","sentiment_score":-0.18465673246166922},{"text":"Well, beautiful.","start":659.62006,"end":666.76,"sentiment":"positive","sentiment_score":0.34026389941573143}],"sentiment":"neutral","sentiment_score":-0.15184967681765557,"num_words":50,"start":643.475,"end":666.76},{"sentences":[{"text":"It should be a bit of a beachfront Gold Coast looking thing.","start":666.98004,"end":670.84,"sentiment":"positive","sentiment_score":0.36028601229190826},{"text":"And the reason ah, perfect.","start":672.07495,"end":678.01495,"sentiment":"neutral","sentiment_score":0.1790128719061613},{"text":"Hang on a second.","start":678.07495,"end":679.21497,"sentiment":"neutral","sentiment_score":0.14675971120595932},{"text":"Perfect.","start":681.915,"end":682.235,"sentiment":"positive","sentiment_score":0.3743327260017395},{"text":"So that should be the right email then because I only attached that one document from my personal one.","start":682.235,"end":687.82996,"sentiment":"neutral","sentiment_score":0.16599225958711222}],"sentiment":"neutral","sentiment_score":0.2276517319515711,"num_words":41,"start":666.98004,"end":687.82996},{"sentences":[{"text":"So, hopefully, this one's come through with both.","start":687.82996,"end":689.58997,"sentiment":"neutral","sentiment_score":0.17074965499341488},{"text":"That's fantastic.","start":689.58997,"end":690.41,"sentiment":"positive","sentiment_score":0.7723884284496307},{"text":"The other one's just the appendix with links to all the investments.","start":690.87,"end":694.49,"sentiment":"neutral","sentiment_score":0.10356160160154104},{"text":"Perfect.","start":697.02997,"end":697.52997,"sentiment":"positive","sentiment_score":0.34756895899772644},{"text":"Actually, this one was really fun to write because, obviously, everything that was going on recently in the markets, we're again, I've scoped this right down to just the the portfolio review while everything else is kind of pending with the property SMSF insurances and so on.","start":697.67,"end":715.14,"sentiment":"neutral","sentiment_score":0.20517116468003455}],"sentiment":"neutral","sentiment_score":0.20205895735749177,"num_words":70,"start":687.82996,"end":715.14},{"sentences":[{"text":"So it's purely just investment based.","start":715.22003,"end":717.48004,"sentiment":"neutral","sentiment_score":0.11001000180840492},{"text":"And I had a lot of fun trying to, I guess, restructure your portfolio a little bit, and it's quite quite custom.","start":717.7,"end":725.14,"sentiment":"neutral","sentiment_score":0.3285813094540076},{"text":"It's kind of a bit of a work of art for me.","start":725.14,"end":726.9,"sentiment":"positive","sentiment_score":0.48217446108659107},{"text":"I'm very proud of it.","start":726.9,"end":728.12,"sentiment":"positive","sentiment_score":0.6482825994491577},{"text":"But some of the information here will obviously be a little bit out of date because it was based on some discussions we had towards the end of the year.","start":729.025,"end":737.525,"sentiment":"neutral","sentiment_score":-0.05753383593012889}],"sentiment":"neutral","sentiment_score":0.20253787028292816,"num_words":75,"start":715.22003,"end":737.525},{"sentences":[{"text":"It's got most of the goals are pretty accurate.","start":737.745,"end":740.385,"sentiment":"neutral","sentiment_score":0.11180672504835659},{"text":"We're talking about if you scroll down to page sort of three and four, it'll have your scope of advice.","start":740.385,"end":746.95996,"sentiment":"neutral","sentiment_score":0.05277977921068668},{"text":"So, again, we're focusing on the super.","start":750.13995,"end":751.98,"sentiment":"neutral","sentiment_score":0.08427324412124497},{"text":"I did include a little bit of estate planning just to make sure your wills and power of attorney and everything are up to date.","start":751.98,"end":757.51996,"sentiment":"neutral","sentiment_score":0.0987584038078785},{"text":"But do you remember when we're kind of going through a bit of a long term goal for about 3,000,000 was kind of the end target for you guys?","start":758.40497,"end":764.505,"sentiment":"neutral","sentiment_score":0.023643178479938673}],"sentiment":"neutral","sentiment_score":0.06451534544014269,"num_words":90,"start":737.745,"end":764.505},{"sentences":[{"text":"Yep.","start":766.005,"end":766.245,"sentiment":"neutral","sentiment_score":0.07526367902755737},{"text":"So that's kind of the main thing I've factored in.","start":766.245,"end":768.32495,"sentiment":"neutral","sentiment_score":0.12475186288356781},{"text":"On the next page where it's got not considered or limited scope, I've just put out the insurances for the time being, but I have factored in, you know, premiums and everything.","start":768.32495,"end":777.94995,"sentiment":"neutral","sentiment_score":0.04083617927972227},{"text":"And then once we've got an idea, we can make some changes there because I would I would love to be able to close down the old QSuper, get the insurances moved around.","start":778.08997,"end":787.885,"sentiment":"neutral","sentiment_score":0.16281041886770364},{"text":"If you've got an employer policy, that'll be much better for you.","start":787.885,"end":791.745,"sentiment":"neutral","sentiment_score":0.24985422690709433}],"sentiment":"neutral","sentiment_score":0.1250060748901557,"num_words":88,"start":766.005,"end":791.745},{"sentences":[{"text":"Like fund restrictions.","start":803.02,"end":804.08,"sentiment":"neutral","sentiment_score":-0.06368334715565045},{"text":"Yeah.","start":807.82,"end":808.32,"sentiment":"neutral","sentiment_score":0.15041834115982056},{"text":"Awesome.","start":814.135,"end":814.635,"sentiment":"positive","sentiment_score":0.6415271162986755},{"text":"And I've also based the contributions on that as well because I think we had your income at about $3.30.","start":814.775,"end":821.59503,"sentiment":"neutral","sentiment_score":0.30849316343665123},{"text":"And the statement we have from QSIP, I think $42 went in, worked out perfectly at 12.75.","start":822.08997,"end":828.58997,"sentiment":"neutral","sentiment_score":0.277133773354923}],"sentiment":"neutral","sentiment_score":0.2733817340894824,"num_words":42,"start":803.02,"end":828.58997},{"sentences":[{"text":"So that's just kind of what the projections are based on.","start":828.73,"end":831.55,"sentiment":"neutral","sentiment_score":0.12575543129985983},{"text":"Beautiful.","start":833.20996,"end":833.70996,"sentiment":"positive","sentiment_score":0.5359781384468079},{"text":"I've just scoped out everything else in terms of cash flow, debt investment, and self managed super fund just until you figure out what you're doing with the the rapid repay guys.","start":834.135,"end":843.59503,"sentiment":"neutral","sentiment_score":0.20954148937016726},{"text":"So this is just purely portfolio.","start":843.815,"end":846.23505,"sentiment":"neutral","sentiment_score":0.02529637732853492},{"text":"Now if you flick through to page seven and eight, this is probably the part that'll be the most out of date, but it's just your your current details.","start":847.91003,"end":856.09,"sentiment":"neutral","sentiment_score":0.01915855358900695}],"sentiment":"neutral","sentiment_score":0.11812647924864594,"num_words":79,"start":828.73,"end":856.09},{"sentences":[{"text":"So we've got yours, the commercial maritime pilot, 330, phone number, email address.","start":856.55,"end":861.77,"sentiment":"neutral","sentiment_score":0.04640359660753837},{"text":"And on the next page, we have some old figures for, like, your your home value, mortgage, and so on.","start":862.005,"end":869.205,"sentiment":"neutral","sentiment_score":0.016969750728458168},{"text":"Again, if that's changed if you've taken equity out and got properties, obviously, that's a bit different, But that's kind of the the last snapshot that we did together.","start":869.205,"end":878.07,"sentiment":"neutral","sentiment_score":0.0099044989248545},{"text":"Perfect.","start":880.37,"end":880.77,"sentiment":"positive","sentiment_score":0.6734634637832642},{"text":"Is all that looking pretty okay from what you can see?","start":880.77,"end":883.35004,"sentiment":"positive","sentiment_score":0.43677317283370276}],"sentiment":"neutral","sentiment_score":0.09064649465191807,"num_words":74,"start":856.55,"end":883.35004},{"sentences":[{"text":"Yeah.","start":900.63995,"end":901.13995,"sentiment":"neutral","sentiment_score":0.009085554629564284},{"text":"Yeah.","start":916.975,"end":917.475,"sentiment":"neutral","sentiment_score":0.03365161269903183},{"text":"Perfect.","start":953.98,"end":954.38,"sentiment":"neutral","sentiment_score":0.2025337964296341},{"text":"So it's been released.","start":954.38,"end":955.42,"sentiment":"neutral","sentiment_score":0.094790268689394},{"text":"It's there, but it's not been used yet, but it's just kind of sitting there in cache.","start":955.42,"end":959.68,"sentiment":"neutral","sentiment_score":-0.013120798366692136}],"sentiment":"neutral","sentiment_score":0.016724102761751663,"num_words":24,"start":900.63995,"end":959.68},{"sentences":[{"text":"Perfect.","start":961.46497,"end":961.945,"sentiment":"neutral","sentiment_score":0.1011905074119568},{"text":"So I guess it'd be offsetting itself on the loan value as well, wouldn't it?","start":961.945,"end":965.96497,"sentiment":"neutral","sentiment_score":-0.0011822611811415603},{"text":"Yeah.","start":979.88,"end":980.38,"sentiment":"neutral","sentiment_score":-0.022424563765525814},{"text":"Yeah.","start":984.775,"end":985.09503,"sentiment":"neutral","sentiment_score":0.006669420748949051},{"text":"Exactly right.","start":985.09503,"end":985.815,"sentiment":"neutral","sentiment_score":0.04656923934817314}],"sentiment":"neutral","sentiment_score":0.008041996268730145,"num_words":20,"start":961.46497,"end":985.815},{"sentences":[{"text":"Like, there'd be some kind of minimum repayments and everything, but it'll all just be capital off the loan.","start":985.815,"end":992.135,"sentiment":"neutral","sentiment_score":-0.03418833166851025},{"text":"All the interest will be off.","start":992.135,"end":993.59503,"sentiment":"neutral","sentiment_score":-0.08081040841837724},{"text":"Should be fine.","start":994.695,"end":995.67505,"sentiment":"neutral","sentiment_score":0.11430864781141281},{"text":"And that's one thing just before I jump into the meat and potatoes of it.","start":995.97504,"end":998.91,"sentiment":"neutral","sentiment_score":-0.0067136504997809725},{"text":"So when I noted down, like, the goals and everything, you remember when we were talking around Christmas time around the the farms, whether you do it at 50, 60, that kind of thing?","start":998.99,"end":1008.82996,"sentiment":"neutral","sentiment_score":0.0800316906260217}],"sentiment":"neutral","sentiment_score":0.0237514014936403,"num_words":77,"start":985.815,"end":1008.82996},{"sentences":[{"text":"What are you guys thinking these days when it comes to moving out to the farm?","start":1008.82996,"end":1012.43,"sentiment":"neutral","sentiment_score":0.05825079511851072},{"text":"I know you were kind of pausing it for a little while now that you've, I guess, figured out what it's like.","start":1012.43,"end":1017.985,"sentiment":"neutral","sentiment_score":-0.024771135131066494},{"text":"The space.","start":1049.675,"end":1050.3351,"sentiment":"neutral","sentiment_score":0.18861524760723114},{"text":"Yeah.","start":1219.98,"end":1220.3,"sentiment":"neutral","sentiment_score":0.07719027996063232},{"text":"Would you say it's, like, I'm getting the sense from my first conversation with you when we met in the office to Christmas time until now.","start":1220.3,"end":1229.4401,"sentiment":"neutral","sentiment_score":0.07776855362149385}],"sentiment":"neutral","sentiment_score":0.042738073408158855,"num_words":67,"start":1008.82996,"end":1229.4401},{"sentences":[{"text":"Are you guys slowly leaning more towards, like, lifestyle over financial, would you say?","start":1229.5801,"end":1235.5549,"sentiment":"neutral","sentiment_score":0.08931976689824037},{"text":"Is that accurate?","start":1235.5549,"end":1236.455,"sentiment":"neutral","sentiment_score":0.08449322978655498},{"text":"Yeah.","start":1278.0801,"end":1278.5801,"sentiment":"neutral","sentiment_score":0.03270898014307022},{"text":"And it's also possibly not necessary.","start":1295.0701,"end":1297.79,"sentiment":"neutral","sentiment_score":-0.15593152989943823},{"text":"Right?","start":1297.79,"end":1298.1901,"sentiment":"neutral","sentiment_score":0.07502532750368118}],"sentiment":"neutral","sentiment_score":0.027044062167406083,"num_words":25,"start":1229.5801,"end":1298.1901},{"sentences":[{"text":"Like, it's it's a really cool idea to have that extra revenue source.","start":1298.1901,"end":1302.5901,"sentiment":"positive","sentiment_score":0.4899293046731215},{"text":"But if you get enough funds and assets under the belt where you don't need to do that, why put on that extra burden, stress, that kind of thing at that time when what you want is that escape?","start":1302.5901,"end":1314.615,"sentiment":"neutral","sentiment_score":0.04075897561433988},{"text":"Yeah.","start":1331.65,"end":1332.15,"sentiment":"neutral","sentiment_score":0.1062808483839035},{"text":"Yeah.","start":1371.84,"end":1372.34,"sentiment":"neutral","sentiment_score":0.11324994266033173},{"text":"It does.","start":1379.6799,"end":1380.24,"sentiment":"neutral","sentiment_score":0.19861045479774475}],"sentiment":"neutral","sentiment_score":0.15313272697052785,"num_words":56,"start":1298.1901,"end":1380.24},{"sentences":[{"text":"It's kind of like the pictures slowly starting to form.","start":1380.24,"end":1383.44,"sentiment":"neutral","sentiment_score":0.1674889877438545},{"text":"You know?","start":1383.44,"end":1383.76,"sentiment":"neutral","sentiment_score":0.11039694398641586},{"text":"Like, the more you investigate and talk to people and figure it out, both of you seem to be just painting this picture of the life that you actually want, and it just slowly outlines now the colors filling in, and then you can start to see it becoming a bit more real in your mind.","start":1383.76,"end":1398.93,"sentiment":"neutral","sentiment_score":0.26270029467663597},{"text":"Yeah.","start":1499.13,"end":1499.63,"sentiment":"neutral","sentiment_score":0.016495823860168457},{"text":"Yeah.","start":1557.845,"end":1558.345,"sentiment":"neutral","sentiment_score":0.059877943247556686}],"sentiment":"neutral","sentiment_score":0.23833248620586736,"num_words":70,"start":1380.24,"end":1558.345},{"sentences":[{"text":"Yeah.","start":1597.3301,"end":1597.65,"sentiment":"neutral","sentiment_score":0.27592921257019043},{"text":"Absolutely.","start":1597.65,"end":1598.15,"sentiment":"positive","sentiment_score":0.41465675830841064},{"text":"I'm noticing it more and more the more people I talk to.","start":1598.2101,"end":1601.17,"sentiment":"neutral","sentiment_score":0.33201761295398075},{"text":"Like, a couple of things when it comes to goals and lifestyle is everyone's kind of trying to play out a retirement that someone else had the idea of.","start":1601.17,"end":1610.395,"sentiment":"neutral","sentiment_score":0.2894443042319396},{"text":"You know, you hear people come in the office and they say, I want financial freedom.","start":1610.535,"end":1613.415,"sentiment":"neutral","sentiment_score":0.12955461302772164}],"sentiment":"neutral","sentiment_score":0.2566365416524774,"num_words":59,"start":1597.3301,"end":1613.415},{"sentences":[{"text":"What does that mean?","start":1613.415,"end":1614.135,"sentiment":"neutral","sentiment_score":0.07256553880870342},{"text":"Oh, I want a million dollars and go on holidays.","start":1614.135,"end":1616.0751,"sentiment":"neutral","sentiment_score":0.16789945662021638},{"text":"But then when they actually come crunch time, they realize that's not what they want is to start enjoying life when you're 67 and have missed out for twenty years prior when you could have had the energy to do so.","start":1616.455,"end":1628.62,"sentiment":"neutral","sentiment_score":-0.030366196774128006},{"text":"You know what I mean?","start":1628.92,"end":1629.98,"sentiment":"neutral","sentiment_score":0.02312614619731903},{"text":"Oh, man.","start":1630.8401,"end":1631.16,"sentiment":"neutral","sentiment_score":0.09190526232123375}],"sentiment":"neutral","sentiment_score":0.016511030795593417,"num_words":62,"start":1613.415,"end":1631.16},{"sentences":[{"text":"And it comes down to the financial side of things too as everyone's trying to build all of the the property portfolios and share portfolios and all this kind of thing, and it's just about, is that actually what you wanna do at the end of the day?","start":1631.16,"end":1642.6749,"sentiment":"neutral","sentiment_score":0.16575307554254928},{"text":"There's all these different avenues and options, but why waste a decade trying to build someone else's dream just because that's what everyone thinks everyone should do.","start":1642.6749,"end":1651.41,"sentiment":"neutral","sentiment_score":0.041410289290878505},{"text":"So I'm with you guys on that a 100%.","start":1653.23,"end":1655.5701,"sentiment":"positive","sentiment_score":0.4185350471072727},{"text":"Yeah.","start":1679.35,"end":1679.67,"sentiment":"neutral","sentiment_score":0.03492680937051773},{"text":"And that's pretty well eloquently put.","start":1679.67,"end":1683.27,"sentiment":"positive","sentiment_score":0.4458659974237283}],"sentiment":"neutral","sentiment_score":0.1708919082942245,"num_words":91,"start":1631.16,"end":1683.27},{"sentences":[{"text":"Would you pretty well agree, Belinda, with everything you said?","start":1683.27,"end":1686.195,"sentiment":"neutral","sentiment_score":0.24326762557029724},{"text":"Cool.","start":1689.315,"end":1689.815,"sentiment":"positive","sentiment_score":0.5573065280914307},{"text":"Alright.","start":1689.955,"end":1690.455,"sentiment":"neutral","sentiment_score":0.2655900716781616},{"text":"I'm gonna dive through some of these figures in a second there as well.","start":1691.075,"end":1694.455,"sentiment":"neutral","sentiment_score":0.11475539952516556},{"text":"When it comes to, obviously, the SMSF side of things again, just work with Chris on all of those rules and regulations.","start":1695.6349,"end":1703.07,"sentiment":"neutral","sentiment_score":0.055865567685528236}],"sentiment":"neutral","sentiment_score":0.1268998112063855,"num_words":48,"start":1683.27,"end":1703.07},{"sentences":[{"text":"I've I've had a few really fun ones in my career where I had a guy who really wanted to have a, amusement park and bought that through an SMSF, lived in it as well because he was kind of like an on-site manager for his own amusement park.","start":1703.13,"end":1719.805,"sentiment":"neutral","sentiment_score":0.09230703647647585},{"text":"But, hey, that's what he wanted was it was the same thing with property management.","start":1719.8651,"end":1724.5851,"sentiment":"neutral","sentiment_score":0.06610630129774411},{"text":"You know, you've got people who look after, like, a a unit building, but they live in to manage the rentals.","start":1724.5851,"end":1729.7251,"sentiment":"neutral","sentiment_score":0.042001904210164434},{"text":"They were able to kind of buy that that business, that property, still kind of live there because they were working out of it.","start":1730.86,"end":1737.66,"sentiment":"neutral","sentiment_score":0.17027626745402813},{"text":"It was probably the the coolest way to use it and still make it legal.","start":1737.66,"end":1742.0,"sentiment":"neutral","sentiment_score":0.21775332142909368}],"sentiment":"neutral","sentiment_score":0.11088394786741945,"num_words":124,"start":1703.13,"end":1742.0},{"sentences":[{"text":"This guy was the Optimus Prime Superfund, and he bought this amusement park.","start":1743.665,"end":1748.225,"sentiment":"neutral","sentiment_score":0.12770882306190637},{"text":"And he's just living his best life at the moment, running an amusement park that he lives and works out of.","start":1748.225,"end":1753.1849,"sentiment":"neutral","sentiment_score":0.11405021821459134},{"text":"So all kinds of things can be done.","start":1753.1849,"end":1755.105,"sentiment":"neutral","sentiment_score":0.10588009189814329},{"text":"Just be careful with it.","start":1755.105,"end":1756.065,"sentiment":"neutral","sentiment_score":-0.061672617495059964},{"text":"You don't wanna be tied up with something where you want it for the lifestyle asset, but then all of a sudden you get forced to sell it to get it in your name in retirement.","start":1756.065,"end":1764.47,"sentiment":"neutral","sentiment_score":-0.015873902736024723}],"sentiment":"neutral","sentiment_score":0.04846369194607419,"num_words":83,"start":1743.665,"end":1764.47},{"sentences":[{"text":"Just be careful as you step through, but it's a pretty cool idea.","start":1764.61,"end":1768.5299,"sentiment":"neutral","sentiment_score":0.17800358338997915},{"text":"Absolutely.","start":1768.5299,"end":1769.0299,"sentiment":"positive","sentiment_score":0.39545491337776184},{"text":"All kinds of things can be done.","start":1771.265,"end":1772.965,"sentiment":"neutral","sentiment_score":0.2503561420100076},{"text":"So this one today is really, really simple.","start":1773.505,"end":1776.625,"sentiment":"positive","sentiment_score":0.36778661981225014},{"text":"Carl, do you remember the email I sent you around the the market risks we were going over together?","start":1776.625,"end":1781.9249,"sentiment":"neutral","sentiment_score":0.029172650881503757}],"sentiment":"neutral","sentiment_score":0.16580349618258575,"num_words":48,"start":1764.61,"end":1781.9249},{"sentences":[{"text":"So all I've done is just build this portfolio.","start":1783.6799,"end":1786.9,"sentiment":"neutral","sentiment_score":0.09980336038602723},{"text":"I haven't changed the risk level.","start":1787.12,"end":1788.72,"sentiment":"neutral","sentiment_score":0.03877801510194937},{"text":"It's still growth.","start":1788.72,"end":1789.84,"sentiment":"neutral","sentiment_score":0.08780115097761154},{"text":"It's still four out of five.","start":1789.84,"end":1791.22,"sentiment":"neutral","sentiment_score":0.09039197241266568},{"text":"Contributions are still going in.","start":1791.9199,"end":1793.62,"sentiment":"neutral","sentiment_score":0.12487021386623383}],"sentiment":"neutral","sentiment_score":0.0883105065802048,"num_words":29,"start":1783.6799,"end":1793.62},{"sentences":[{"text":"It's mainly just about forward looking for the investments in the market.","start":1794.32,"end":1798.34,"sentiment":"neutral","sentiment_score":0.1412053102006515},{"text":"So what you'll sort of see if you go through to pages about twelve thirteen, you'll see risk profile, just maintaining that growth allocation, and then it's kind of got the strategy page itself.","start":1800.155,"end":1813.615,"sentiment":"neutral","sentiment_score":0.035244802780011124},{"text":"So the two main recommendations in this document is do a bit of a rollover from QSuper to do a bit of a top up.","start":1815.81,"end":1823.03,"sentiment":"neutral","sentiment_score":0.09703020364046097},{"text":"I've recommended $12 stays there just because the way that premiums are looking, You kind of want a couple of year buffer.","start":1823.73,"end":1830.4349,"sentiment":"neutral","sentiment_score":0.11847412840209225},{"text":"I'm happy to be guided by you on that, but 6 is the minimum.","start":1830.735,"end":1834.595,"sentiment":"positive","sentiment_score":0.4002859757414886}],"sentiment":"neutral","sentiment_score":0.12643903358099617,"num_words":107,"start":1794.32,"end":1834.595},{"sentences":[{"text":"12 covers you for two years in case contributions stop all of a sudden.","start":1834.735,"end":1839.235,"sentiment":"neutral","sentiment_score":0.10769012197852135},{"text":"Yep.","start":1869.74,"end":1870.24,"sentiment":"neutral","sentiment_score":0.1249413937330246},{"text":"That would be perfect.","start":1874.94,"end":1876.0599,"sentiment":"positive","sentiment_score":0.6576468348503113},{"text":"QSuper is pretty good.","start":1876.0599,"end":1877.44,"sentiment":"positive","sentiment_score":0.6450590789318085},{"text":"We usually can put on the forms to maintain a minimum balance for what gets rolled over, and they can just do the excess.","start":1877.58,"end":1886.035,"sentiment":"neutral","sentiment_score":0.08528992355180283}],"sentiment":"neutral","sentiment_score":0.1891571259958313,"num_words":47,"start":1834.735,"end":1886.035},{"sentences":[{"text":"But you said it was about 72 ish at the moment?","start":1887.6951,"end":1890.515,"sentiment":"neutral","sentiment_score":-0.0020180826329372144},{"text":"Perfect.","start":1899.3899,"end":1899.8899,"sentiment":"positive","sentiment_score":0.3954447507858277},{"text":"Now what I want you to do if you can, just because walls of text are never the most fun part of this industry, is if you skip past page thirteen, fourteen, 15 where it's got all of the strategy text, I'll just kind of show you in the actual figures what the pros and cons are, and you should see investment table, big blue one.","start":1900.2699,"end":1921.26,"sentiment":"neutral","sentiment_score":0.05847462088885633},{"text":"Yeah.","start":1921.64,"end":1921.88,"sentiment":"neutral","sentiment_score":0.0411456897854805},{"text":"It's 16 on the header and 17 on the the PDF itself.","start":1921.88,"end":1926.62,"sentiment":"neutral","sentiment_score":0.055988543666899204}],"sentiment":"neutral","sentiment_score":0.054347022354684686,"num_words":91,"start":1887.6951,"end":1926.62},{"sentences":[{"text":"It's like a blue investment table, red heading.","start":1926.8401,"end":1929.42,"sentiment":"neutral","sentiment_score":0.055968974251300097},{"text":"Cool.","start":1931.415,"end":1931.655,"sentiment":"positive","sentiment_score":0.4071572422981262},{"text":"It should be a big smattering of figures.","start":1931.655,"end":1933.255,"sentiment":"positive","sentiment_score":0.36376212164759636},{"text":"Lots of red, lots of black.","start":1933.255,"end":1934.7151,"sentiment":"neutral","sentiment_score":0.14209755261739096},{"text":"Yep.","start":1936.6951,"end":1937.175,"sentiment":"neutral","sentiment_score":0.17271888256072998}],"sentiment":"neutral","sentiment_score":0.19959625865643224,"num_words":24,"start":1926.8401,"end":1937.175},{"sentences":[{"text":"Perfect.","start":1937.175,"end":1937.675,"sentiment":"positive","sentiment_score":0.499152809381485},{"text":"So what this table basically shows, we've updated our documents a little bit.","start":1937.8151,"end":1941.5751,"sentiment":"neutral","sentiment_score":0.20457065707215896},{"text":"It just shows buyers and sells between what you have and what we're recommending.","start":1941.5751,"end":1944.875,"sentiment":"neutral","sentiment_score":0.15997293378625596},{"text":"The main thing that this does, all the ones at the top, we're rebalancing because the market's gone crazy the last twelve months since we last spoke, and a whole bunch of your investments are just going out of skew.","start":1945.5,"end":1958.8,"sentiment":"neutral","sentiment_score":-0.2627614706289023},{"text":"They've gone really high, really low.","start":1959.235,"end":1960.755,"sentiment":"negative","sentiment_score":-0.5591442088286082}],"sentiment":"neutral","sentiment_score":-0.11442069802433252,"num_words":74,"start":1937.175,"end":1960.755},{"sentences":[{"text":"They just need to be brought back to middle ground.","start":1960.755,"end":1963.095,"sentiment":"negative","sentiment_score":-0.4176414579153061},{"text":"The three risks that we were talking about, Benelon Australian shares.","start":1964.835,"end":1969.015,"sentiment":"neutral","sentiment_score":-0.12360617315227335},{"text":"There was some underperformance there compared to the market, so we're replacing that one.","start":1969.315,"end":1973.61,"sentiment":"negative","sentiment_score":-0.36515808424779345},{"text":"And that's all towards the bottom.","start":1975.37,"end":1977.29,"sentiment":"neutral","sentiment_score":-0.06009882936875025},{"text":"If you go on the next page, it's kind of there's three options split off there.","start":1977.29,"end":1981.37,"sentiment":"neutral","sentiment_score":0.01069753112642502}],"sentiment":"neutral","sentiment_score":-0.19013558142959433,"num_words":57,"start":1960.755,"end":1981.37},{"sentences":[{"text":"You will see Alfiniti, shares, government, and iShares.","start":1981.37,"end":1985.29,"sentiment":"neutral","sentiment_score":0.03910998604260385},{"text":"Can you see that?","start":1985.29,"end":1986.225,"sentiment":"neutral","sentiment_score":0.042662073858082294},{"text":"So that's the three new options.","start":1987.6649,"end":1989.285,"sentiment":"neutral","sentiment_score":0.04574502383669218},{"text":"Alfiniti is a like for like replacement of Benelong.","start":1989.745,"end":1993.445,"sentiment":"neutral","sentiment_score":0.03015511089728938},{"text":"Do you possibly have Google open at the moment?","start":1993.745,"end":1996.005,"sentiment":"neutral","sentiment_score":0.019354645990663104}],"sentiment":"neutral","sentiment_score":0.03343294829958015,"num_words":36,"start":1981.37,"end":1996.005},{"sentences":[{"text":"I wanna show you guys something because this is kind of very sort of top level comparison.","start":1998.385,"end":2004.1201,"sentiment":"neutral","sentiment_score":0.12498222335296519},{"text":"Can you Google for me Benelong Australian shares?","start":2005.8601,"end":2009.0,"sentiment":"neutral","sentiment_score":0.068553919903934},{"text":"And you should see the website, the top result should be Benelong Australian Equities Fund, b a e p.","start":2009.54,"end":2017.585,"sentiment":"neutral","sentiment_score":0.09651565836056282},{"text":"If you open that one up, it'll give you this little snapshot of what this current one does.","start":2019.245,"end":2023.165,"sentiment":"neutral","sentiment_score":0.10437225012315644},{"text":"If you scroll down, it it should be kind of like a goldy orange color.","start":2023.165,"end":2027.505,"sentiment":"neutral","sentiment_score":0.05382172763347626}],"sentiment":"neutral","sentiment_score":0.0934149750883316,"num_words":77,"start":1998.385,"end":2027.505},{"sentences":[{"text":"If you scroll down on that first page table, in the middle of that table, it says fees and charges, management fees 1%.","start":2028.89,"end":2036.19,"sentiment":"neutral","sentiment_score":-0.024385791271924973},{"text":"And then if you hit the performance tab, all you can see on the left hand side is a whole bunch of negatives.","start":2038.49,"end":2044.035,"sentiment":"neutral","sentiment_score":-0.3186484199503194},{"text":"So I was talking to Savi and Bart about this around Christmas time.","start":2045.855,"end":2049.555,"sentiment":"neutral","sentiment_score":-0.12373878405644344},{"text":"Most of the times when a fund underperforms, you give it twelve months to bounce back, and we dug a bit deeper.","start":2049.775,"end":2057.0598,"sentiment":"neutral","sentiment_score":-0.23700707134875384},{"text":"There's a lot of people who exited that fund as far as investment managers.","start":2057.5198,"end":2062.3398,"sentiment":"neutral","sentiment_score":-0.20127148500510625}],"sentiment":"neutral","sentiment_score":-0.18452997274304692,"num_words":95,"start":2028.89,"end":2062.3398},{"sentences":[{"text":"The guy who built it disappeared for a few years on holidays and things like that, and they've just kind of gone off away from the pack in a bad direction.","start":2063.2,"end":2072.715,"sentiment":"negative","sentiment_score":-0.6140083699457107},{"text":"Now if you go back onto Google and actually type in Alfiniti with a p h, Australian share funds, Australian share funds.","start":2074.615,"end":2088.9702,"sentiment":"neutral","sentiment_score":0.003572652836076238},{"text":"You'll have a pretty similar setup.","start":2090.07,"end":2091.9102,"sentiment":"neutral","sentiment_score":0.04132559274633726},{"text":"You go down below.","start":2091.9102,"end":2093.35,"sentiment":"neutral","sentiment_score":0.029481383971869946},{"text":"There's a table management fee in the middle, 0.9%, and it's a blue website.","start":2093.35,"end":2102.375,"sentiment":"neutral","sentiment_score":0.012384547486103006}],"sentiment":"neutral","sentiment_score":-0.23917400452925205,"num_words":77,"start":2063.2,"end":2102.375},{"sentences":[{"text":"And it depends on if you're on the Australian share fund page or if you just go up to that little drop down for their funds, and you should see yep.","start":2111.1702,"end":2118.95,"sentiment":"neutral","sentiment_score":0.017748263724628958},{"text":"The one at the top.","start":2121.33,"end":2122.21,"sentiment":"neutral","sentiment_score":0.029054142907261847},{"text":"Yeah.","start":2122.21,"end":2122.45,"sentiment":"neutral","sentiment_score":0.04976080358028412},{"text":"Australian share funds.","start":2122.45,"end":2123.75,"sentiment":"neutral","sentiment_score":0.048717874412735306},{"text":"If you hit the performance figure on that one Yep.","start":2124.405,"end":2137.14,"sentiment":"neutral","sentiment_score":0.04548139981925488}],"sentiment":"neutral","sentiment_score":0.026923906300216915,"num_words":50,"start":2111.1702,"end":2137.14},{"sentences":[{"text":"And then if you hit the performance there, this is over one, three, five, seven, ten years.","start":2137.14,"end":2142.1199,"sentiment":"neutral","sentiment_score":0.12235448290320004},{"text":"They're in the positive the whole way along, and they've outperformed the market in every single time period.","start":2144.5798,"end":2150.2,"sentiment":"neutral","sentiment_score":0.07442484568390581},{"text":"So with everything going really well, I was looking at your your super today.","start":2152.2449,"end":2155.685,"sentiment":"positive","sentiment_score":0.3840026238134929},{"text":"Your your gold option had gone up a 107% for the year, which was brilliant.","start":2155.685,"end":2161.945,"sentiment":"positive","sentiment_score":0.5205769300460815},{"text":"It's just trying to bring your Australian shares in in the line of same quality.","start":2162.4849,"end":2166.185,"sentiment":"positive","sentiment_score":0.5202415684858958}],"sentiment":"neutral","sentiment_score":0.3089618688991553,"num_words":79,"start":2137.14,"end":2166.185},{"sentences":[{"text":"Now I won't do the same thing for the other two in that statement of advice.","start":2167.6602,"end":2171.2,"sentiment":"neutral","sentiment_score":-0.14229392120614648},{"text":"Government inflation linked bonds was just because when inflation kicks up, your safe investments are gonna be pegged alongside it, so their interest rate will go up with inflation.","start":2171.9001,"end":2181.2,"sentiment":"neutral","sentiment_score":-0.0346489971310928},{"text":"So if that jumps up three, four, 5%, your fixed interest jumps up with it.","start":2182.6152,"end":2186.955,"sentiment":"neutral","sentiment_score":0.048520862311124804},{"text":"And the other one was just really, really strange currency risk.","start":2187.495,"end":2191.915,"sentiment":"negative","sentiment_score":-0.40043378282677045},{"text":"Investing in American shares when the market goes up 15% and your super has only gotten a 6% return, we ask why.","start":2192.2952,"end":2200.3901,"sentiment":"neutral","sentiment_score":-0.0245910816910592}],"sentiment":"neutral","sentiment_score":-0.0806396358035585,"num_words":93,"start":2167.6602,"end":2200.3901},{"sentences":[{"text":"We find out because they're using US Dollars to Australian dollars.","start":2200.53,"end":2204.79,"sentiment":"neutral","sentiment_score":-0.017536766403778034},{"text":"When that money comes across and they convert it, there was a huge split between the US dollar and you lost out that 9% of the returns there.","start":2205.01,"end":2213.805,"sentiment":"neutral","sentiment_score":-0.07888053996222359},{"text":"So I've split it with some currency hedging.","start":2213.865,"end":2216.505,"sentiment":"neutral","sentiment_score":-0.011836126388516277},{"text":"It's a tiny bit more expensive, but it eliminates that risk.","start":2216.505,"end":2221.7249,"sentiment":"neutral","sentiment_score":-0.04974467849189585},{"text":"Yes.","start":2235.255,"end":2235.575,"sentiment":"neutral","sentiment_score":0.05699563026428223}],"sentiment":"neutral","sentiment_score":-0.05061770158709358,"num_words":59,"start":2200.53,"end":2235.575},{"sentences":[{"text":"That's the one that I found.","start":2235.575,"end":2236.855,"sentiment":"neutral","sentiment_score":0.10320469985405605},{"text":"Our we were talking do you remember Sevi talking about the SMA that we were building or Bart was talking about?","start":2236.855,"end":2242.4749,"sentiment":"neutral","sentiment_score":0.027661559127625964},{"text":"Yeah.","start":2244.4548,"end":2244.855,"sentiment":"neutral","sentiment_score":0.05579610168933869},{"text":"They found on the market this inflation linked government bonds option for the SMA, and I saw the idea.","start":2244.855,"end":2252.9502,"sentiment":"neutral","sentiment_score":0.09870464119472001},{"text":"I liked it, had a look at it, compared it, and went, that's perfect for this, and that was the last piece of the puzzle.","start":2253.57,"end":2259.03,"sentiment":"positive","sentiment_score":0.5046459072828293}],"sentiment":"neutral","sentiment_score":0.21871462371200323,"num_words":72,"start":2235.575,"end":2259.03},{"sentences":[{"text":"So this is your own fully custom portfolio now.","start":2261.185,"end":2264.4849,"sentiment":"neutral","sentiment_score":0.3139120704597897},{"text":"No one else has this one in Australia, and it's just for you, mate.","start":2264.545,"end":2268.645,"sentiment":"neutral","sentiment_score":0.16152253480894224},{"text":"If you go down to the next page, lovely little pie chart, we're just keeping everything in that 80% range for the growth assets.","start":2269.505,"end":2277.32,"sentiment":"neutral","sentiment_score":0.22546788801749548},{"text":"Up to you again, my last email where I was talking about, do we use this as a buying opportunity?","start":2279.78,"end":2285.24,"sentiment":"neutral","sentiment_score":0.06320311296731233},{"text":"Do we kick up a foot on the gas a little bit at some point?","start":2285.3,"end":2288.6,"sentiment":"neutral","sentiment_score":0.017740957935651145}],"sentiment":"neutral","sentiment_score":0.14668207393005128,"num_words":82,"start":2261.185,"end":2288.6},{"sentences":[{"text":"Do we reduce risk?","start":2288.785,"end":2290.165,"sentiment":"neutral","sentiment_score":-0.037460475228726864},{"text":"This is, again, just keeping it same risk level.","start":2290.305,"end":2293.285,"sentiment":"neutral","sentiment_score":0.00364082513584031},{"text":"Not too high, not too low.","start":2293.505,"end":2295.205,"sentiment":"neutral","sentiment_score":-0.05431926064193249},{"text":"I think looking at the portfolio currently, 15% was the return for the year after fees and taxes and premiums, which was pretty good.","start":2298.145,"end":2306.3198,"sentiment":"positive","sentiment_score":0.3393901412685712},{"text":"And I've just updated the projections in that table on page 19.","start":2306.38,"end":2310.64,"sentiment":"neutral","sentiment_score":0.16487297291556993}],"sentiment":"neutral","sentiment_score":0.17601543685252016,"num_words":55,"start":2288.785,"end":2310.64},{"sentences":[{"text":"Yep.","start":2321.995,"end":2322.495,"sentiment":"neutral","sentiment_score":0.04127896577119827},{"text":"Yep.","start":2328.01,"end":2328.51,"sentiment":"neutral","sentiment_score":0.11779709905385972},{"text":"So my best estimation is between 50 and $100, give or take.","start":2328.97,"end":2336.65,"sentiment":"neutral","sentiment_score":0.16168575858076414},{"text":"Market's gonna fluctuate.","start":2336.65,"end":2337.8699,"sentiment":"neutral","sentiment_score":-0.05292620385686556},{"text":"Things will even out.","start":2338.17,"end":2339.3699,"sentiment":"neutral","sentiment_score":0.11899323016405106}],"sentiment":"neutral","sentiment_score":0.11507140366094452,"num_words":21,"start":2321.995,"end":2339.3699},{"sentences":[{"text":"I would love it if the world kind of relaxed a little bit for five years and we go back up to getting 15 to 25% returns and you go up to 2 mil in ten years.","start":2339.3699,"end":2349.285,"sentiment":"positive","sentiment_score":0.4990383902111569},{"text":"But until that's settled down, we're just getting a bit more conservative with it.","start":2349.285,"end":2354.52,"sentiment":"neutral","sentiment_score":0.060179765336215496},{"text":"Yeah.","start":2377.895,"end":2378.2148,"sentiment":"neutral","sentiment_score":0.020191740244627},{"text":"Yeah.","start":2378.2148,"end":2378.7148,"sentiment":"neutral","sentiment_score":0.02037193439900875},{"text":"Yeah.","start":2402.155,"end":2402.655,"sentiment":"neutral","sentiment_score":-0.05315055698156357}],"sentiment":"positive","sentiment_score":0.3573027827811462,"num_words":54,"start":2339.3699,"end":2402.655},{"sentences":[{"text":"Yeah.","start":2403.8499,"end":2404.09,"sentiment":"neutral","sentiment_score":0.1815079003572464},{"text":"You're exactly right.","start":2404.09,"end":2405.13,"sentiment":"positive","sentiment_score":0.35289110740025836},{"text":"I had a bit of a mentor.","start":2405.13,"end":2406.75,"sentiment":"neutral","sentiment_score":0.1250827812722751},{"text":"I've had two main mentors in the in the industry, and one of the guys, he worked very heavily in estate advice for people with deceased estates, family issues, people passing away, and so on.","start":2407.05,"end":2418.7651,"sentiment":"neutral","sentiment_score":0.1059455320239067},{"text":"And he said, basically, our job is to get people to their goal with the least risk necessary.","start":2418.7651,"end":2423.825,"sentiment":"neutral","sentiment_score":0.2590227276086807}],"sentiment":"neutral","sentiment_score":0.1638478657696396,"num_words":64,"start":2403.8499,"end":2423.825},{"sentences":[{"text":"There's no point taking excessive amounts of risk to try and shoot for the stars and get everyone rich and $1,020,000,000 dollars and all this kind of thing if you don't need to do it.","start":2424.365,"end":2433.44,"sentiment":"neutral","sentiment_score":-0.012033724252666746},{"text":"You don't need to be high growth.","start":2433.5,"end":2435.2,"sentiment":"neutral","sentiment_score":-0.04683922177978924},{"text":"We could put your super into some leverage investments where it borrows money, and you're investing at a 160% growth assets, and I can show you a 35% return or something like that.","start":2436.14,"end":2447.075,"sentiment":"neutral","sentiment_score":0.22604821848146844},{"text":"But it's just not it's just not necessary.","start":2447.075,"end":2450.055,"sentiment":"neutral","sentiment_score":-0.11991035006940365},{"text":"It's supposed to be a steady ship that you have a high chance of hitting your goal, not saying I'm gonna shoot for the stars and and miss it by a million dollars because we went crazy.","start":2450.275,"end":2460.04,"sentiment":"neutral","sentiment_score":0.28233648111691345}],"sentiment":"neutral","sentiment_score":0.13498086091130973,"num_words":120,"start":2424.365,"end":2460.04},{"sentences":[{"text":"So I've always been pretty conservative.","start":2462.42,"end":2464.3599,"sentiment":"neutral","sentiment_score":0.32505889733632404},{"text":"I've always said that when you're in a growth portfolio, you need an eight to 9% average return.","start":2464.8198,"end":2470.4448,"sentiment":"neutral","sentiment_score":0.22940877245532143},{"text":"We're obviously aiming for as far into double digits as we can, but, again, bouncing between eight or nine average.","start":2470.825,"end":2478.4448,"sentiment":"neutral","sentiment_score":0.33131715264171363},{"text":"And if you're consistently getting twelve, thirteen, 14, that's fantastic, but you still need that amount to hit to your goal.","start":2478.505,"end":2484.89,"sentiment":"positive","sentiment_score":0.49282245125089374},{"text":"Yeah.","start":2509.06,"end":2509.56,"sentiment":"neutral","sentiment_score":0.014078915119171144}],"sentiment":"positive","sentiment_score":0.3495364353399385,"num_words":66,"start":2462.42,"end":2509.56},{"sentences":[{"text":"Yeah.","start":2539.97,"end":2540.47,"sentiment":"neutral","sentiment_score":0.03163605183362961},{"text":"Yeah.","start":2554.8801,"end":2555.3801,"sentiment":"neutral","sentiment_score":-0.005153592675924301},{"text":"And that's the thing.","start":2556.8801,"end":2557.76,"sentiment":"neutral","sentiment_score":-0.17157339304685593},{"text":"Because you're in your your forties now, like, if you try and project out twenty five years of all the lifestyle changes, economic cycles, you just become wildly inaccurate.","start":2557.76,"end":2568.9001,"sentiment":"negative","sentiment_score":-0.3484964843454032},{"text":"Whereas my philosophy has always been, let's continuously improve everything over five to ten years, try and get you a better outcome, better outcome bit by bit.","start":2569.4402,"end":2578.615,"sentiment":"neutral","sentiment_score":0.30094533882759233}],"sentiment":"neutral","sentiment_score":-0.042591693720990614,"num_words":62,"start":2539.97,"end":2578.615},{"sentences":[{"text":"And then once you hit that last ten year stretch, you've got to protect what you've built.","start":2578.615,"end":2583.0,"sentiment":"neutral","sentiment_score":0.2018957059173023},{"text":"Once you've got that few million dollars, let's slowly protect it more and more so you don't lose it all just before retirement, and then we can do an analysis.","start":2583.24,"end":2591.1,"sentiment":"neutral","sentiment_score":0.18209598138928412},{"text":"And we can go, okay.","start":2591.56,"end":2592.76,"sentiment":"neutral","sentiment_score":0.14254064857959747},{"text":"This is how long it's gonna actually last.","start":2592.76,"end":2594.68,"sentiment":"neutral","sentiment_score":0.09737309627234936},{"text":"There's no point me telling you 5,000,000, you're gonna last for a 100 years.","start":2594.68,"end":2606.595,"sentiment":"neutral","sentiment_score":-0.08824697216706616}],"sentiment":"neutral","sentiment_score":0.12366671412176378,"num_words":74,"start":2578.615,"end":2606.595},{"sentences":[{"text":"If you can just briefly remind me, Belinda, were you sitting on, I don't wanna guess, but around the 40 five months?","start":2610.59,"end":2617.6501,"sentiment":"neutral","sentiment_score":0.010494221023029902},{"text":"And what about income level?","start":2622.03,"end":2623.97,"sentiment":"neutral","sentiment_score":0.0004093823954463005},{"text":"Okay.","start":2633.475,"end":2633.975,"sentiment":"neutral","sentiment_score":0.02686445601284504},{"text":"K?","start":2634.195,"end":2634.695,"sentiment":"neutral","sentiment_score":0.008615415543317795},{"text":"So what you won't be able to do is, like, spousal contributions, probably not the best idea.","start":2635.635,"end":2643.79,"sentiment":"neutral","sentiment_score":-0.2521663404562894}],"sentiment":"neutral","sentiment_score":-0.08735713351558408,"num_words":46,"start":2610.59,"end":2643.79},{"sentences":[{"text":"Usually, if they're, like, under 45,000, you get a bit of a benefit out of that.","start":2644.25,"end":2649.3901,"sentiment":"neutral","sentiment_score":-0.04236903786659241},{"text":"The only thing is some concessional contribution.","start":2651.29,"end":2654.935,"sentiment":"neutral","sentiment_score":-0.13766426593065262},{"text":"So your money gets taxed heavily, comes into your bank account, do some salary sacrifice for her at some point or a contribution and claim it.","start":2654.935,"end":2662.635,"sentiment":"neutral","sentiment_score":-0.12412226601288869},{"text":"If she's on 90 to a 100, get a bit of a benefit out of that.","start":2662.775,"end":2667.03,"sentiment":"neutral","sentiment_score":-0.015205937903374434},{"text":"But trying to get money from your name into her name, probably not gonna be the go.","start":2667.03,"end":2671.59,"sentiment":"neutral","sentiment_score":-0.3069753822158365}],"sentiment":"neutral","sentiment_score":-0.12598304741266297,"num_words":82,"start":2644.25,"end":2671.59},{"sentences":[{"text":"It's more if she was on, yeah, 45 and under, I would say.","start":2671.59,"end":2675.85,"sentiment":"neutral","sentiment_score":-0.09188272517461044},{"text":"Yeah.","start":2696.3398,"end":2696.8398,"sentiment":"neutral","sentiment_score":-0.0008124522864818573},{"text":"Yeah.","start":2731.665,"end":2732.165,"sentiment":"neutral","sentiment_score":-0.01541206892579794},{"text":"One of the things that's gonna come into play for you a little bit is when when you go through all of the investigations for property SMSF farms or that kind of thing, remember how we were talking about, like, family trusts and bucket companies and things like that?","start":2732.225,"end":2745.98,"sentiment":"neutral","sentiment_score":0.02382120526186666},{"text":"Similar things come into to planning when you're in your fifties for your super cap.","start":2747.88,"end":2753.5752,"sentiment":"neutral","sentiment_score":0.04756716655877729}],"sentiment":"neutral","sentiment_score":0.008481602629505192,"num_words":79,"start":2671.59,"end":2753.5752},{"sentences":[{"text":"So if you go above that one, I think it was 1,600,000.0 transfer balance cap.","start":2753.5752,"end":2758.5552,"sentiment":"neutral","sentiment_score":0.02138017403582732},{"text":"That's all you can move into, like, pension phase.","start":2758.7751,"end":2761.0151,"sentiment":"neutral","sentiment_score":0.04456383983294169},{"text":"The rest stays in accumulation, getting taxed higher.","start":2761.0151,"end":2763.675,"sentiment":"neutral","sentiment_score":-0.050296696834266186},{"text":"You've got estate taxes to worry about.","start":2765.03,"end":2767.13,"sentiment":"neutral","sentiment_score":-0.09508636131483529},{"text":"So if it filters through past you guys to adult children, they cop a bit there as well.","start":2767.27,"end":2773.37,"sentiment":"neutral","sentiment_score":-0.14596957547797096}],"sentiment":"neutral","sentiment_score":-0.05216935602539595,"num_words":57,"start":2753.5752,"end":2773.37},{"sentences":[{"text":"So all of those entities come into play down the line as well.","start":2773.67,"end":2778.3252,"sentiment":"neutral","sentiment_score":-0.030926925631669853},{"text":"So it's just something to be conscious of about at some point whether we start using something like that.","start":2778.3252,"end":2784.165,"sentiment":"neutral","sentiment_score":-0.015424698297130434},{"text":"And if you do get farm and so on, do we start using trust, market companies, income distribution, all that kind of thing?","start":2784.165,"end":2794.63,"sentiment":"neutral","sentiment_score":-0.03566645903755789},{"text":"But, again, how heavy do you wanna lean into running a farm, being employees, beneficiaries of a family trust as opposed to because, you know, the government's pretty pretty restrictive on that at the moment.","start":2794.8499,"end":2807.735,"sentiment":"neutral","sentiment_score":-0.2634800849216325},{"text":"If you just do it on paper, they still hit you with all the taxes.","start":2807.735,"end":2811.0352,"sentiment":"negative","sentiment_score":-0.33656950294971466}],"sentiment":"neutral","sentiment_score":-0.15034088928784642,"num_words":105,"start":2773.67,"end":2811.0352},{"sentences":[{"text":"You have to actually prove that people are doing the things and receiving the money and so on.","start":2811.0952,"end":2815.2751,"sentiment":"neutral","sentiment_score":-0.2708763008316358},{"text":"So on email let me have a quick look.","start":2817.3352,"end":2824.38,"sentiment":"neutral","sentiment_score":0.028657854431205325},{"text":"There we go.","start":2826.2,"end":2827.0999,"sentiment":"neutral","sentiment_score":0.025358295689026516},{"text":"Property link in Emerville.","start":2827.56,"end":2830.54,"sentiment":"neutral","sentiment_score":0.014148976188153028},{"text":"I don't think I've seen this one before.","start":2833.785,"end":2835.485,"sentiment":"neutral","sentiment_score":-0.08553847251459956}],"sentiment":"neutral","sentiment_score":-0.12308308841394526,"num_words":42,"start":2811.0952,"end":2835.485},{"sentences":[{"text":"This is not one of the first couple that you sent me around Christmas time.","start":2835.545,"end":2839.0051,"sentiment":"neutral","sentiment_score":-0.0995865282913049},{"text":"Yeah.","start":2847.64,"end":2847.96,"sentiment":"neutral","sentiment_score":-0.001049096696078777},{"text":"This is the 500,000 you were talking about.","start":2847.96,"end":2850.28,"sentiment":"neutral","sentiment_score":-0.00198766915127635},{"text":"Yep.","start":2850.28,"end":2850.78,"sentiment":"neutral","sentiment_score":0.02635432593524456},{"text":"Oh, that's did that be a Glen Innes?","start":2859.495,"end":2861.2751,"sentiment":"neutral","sentiment_score":0.013244011905044317}],"sentiment":"neutral","sentiment_score":-0.041770968275765576,"num_words":33,"start":2835.545,"end":2861.2751},{"sentences":[{"text":"Oh, wow.","start":2863.415,"end":2864.0552,"sentiment":"neutral","sentiment_score":0.057234114035964005},{"text":"A bit of fossicking around there, like you said, fossicking, hunting.","start":2864.0552,"end":2867.435,"sentiment":"neutral","sentiment_score":-0.3127282207662409},{"text":"Yeah.","start":2900.78,"end":2901.28,"sentiment":"neutral","sentiment_score":-0.00028790347278118134},{"text":"And that's the thing too.","start":2904.075,"end":2905.355,"sentiment":"neutral","sentiment_score":0.10375232845544816},{"text":"The cool thing about land is you run into less issues than with the dwellings because, again, if you have a dwelling and you're living in it and you don't have it all linked up properly with businesses and unit trusts and all that, you're gonna get in trouble.","start":2905.355,"end":2918.9749,"sentiment":"neutral","sentiment_score":0.1866811632121704}],"sentiment":"neutral","sentiment_score":0.09323983140947188,"num_words":68,"start":2863.415,"end":2918.9749},{"sentences":[{"text":"But no one's gonna know that you've just driven out to the property to go shooting.","start":2919.11,"end":2922.57,"sentiment":"neutral","sentiment_score":-0.07110631628893316},{"text":"Yeah.","start":2974.77,"end":2975.27,"sentiment":"neutral","sentiment_score":0.1723690778017044},{"text":"And what if that's all you do?","start":2986.305,"end":2987.665,"sentiment":"neutral","sentiment_score":0.05483663161950452},{"text":"Because, again, with the those systems, getting lots of properties, selling them off, paying them off quicker, it's it's a fantastic compounding effect.","start":2987.665,"end":2996.7998,"sentiment":"positive","sentiment_score":0.6508535781632299},{"text":"And, look, I see it all the time on the Gold Coast.","start":2997.26,"end":3000.7998,"sentiment":"positive","sentiment_score":0.3338785320520401}],"sentiment":"neutral","sentiment_score":0.311774561371086,"num_words":59,"start":2919.11,"end":3000.7998},{"sentences":[{"text":"So many people just setting up an SMSF out of the blue.","start":3001.0999,"end":3004.3198,"sentiment":"positive","sentiment_score":0.3913649370272954},{"text":"They've got LinkedIn with buyer's agents.","start":3005.415,"end":3007.2751,"sentiment":"neutral","sentiment_score":0.30841676890850067},{"text":"They can receive $20.40, $60,000 for selling the property to you, that kind of thing.","start":3007.5752,"end":3014.955,"sentiment":"positive","sentiment_score":0.4254071374734243},{"text":"Stacking properties in that way works very, very, very well.","start":3015.2551,"end":3018.875,"sentiment":"positive","sentiment_score":0.6645021259784698},{"text":"But the question I would ask is, what if this is all you do?","start":3019.37,"end":3022.51,"sentiment":"neutral","sentiment_score":0.009809751329677445}],"sentiment":"positive","sentiment_score":0.3457955210224578,"num_words":57,"start":3001.0999,"end":3022.51},{"sentences":[{"text":"You just pay off this place, buy this place, and build your super up.","start":3022.57,"end":3027.3901,"sentiment":"neutral","sentiment_score":0.1421951949596405},{"text":"Isn't that the perfect outcome anyway?","start":3028.4102,"end":3030.35,"sentiment":"neutral","sentiment_score":0.011044191817442576},{"text":"Yeah.","start":3077.11,"end":3077.61,"sentiment":"neutral","sentiment_score":-0.025529803708195686},{"text":"Yeah.","start":3117.73,"end":3117.97,"sentiment":"neutral","sentiment_score":0.045179203152656555},{"text":"Yeah.","start":3117.97,"end":3118.21,"sentiment":"neutral","sentiment_score":0.055839359760284424}],"sentiment":"neutral","sentiment_score":0.09271681041497251,"num_words":23,"start":3022.57,"end":3118.21},{"sentences":[{"text":"Yeah.","start":3118.21,"end":3118.29,"sentiment":"neutral","sentiment_score":0.05174052342772484},{"text":"I'm hearing you.","start":3118.29,"end":3119.25,"sentiment":"neutral","sentiment_score":0.04513206581274668},{"text":"So one last question for you then is what's the the ability for this like, you did mention leasing it out.","start":3119.25,"end":3126.13,"sentiment":"neutral","sentiment_score":0.05932474402444703},{"text":"What's the ability for it to generate any of the returns?","start":3126.13,"end":3128.63,"sentiment":"neutral","sentiment_score":0.1271767487580126},{"text":"Yeah.","start":3144.07,"end":3144.57,"sentiment":"neutral","sentiment_score":0.05923600122332573}],"sentiment":"neutral","sentiment_score":0.07813882656596802,"num_words":37,"start":3118.21,"end":3144.57},{"sentences":[{"text":"Okay.","start":3154.645,"end":3155.145,"sentiment":"neutral","sentiment_score":0.08995245397090912},{"text":"Yeah.","start":3190.6902,"end":3191.1902,"sentiment":"neutral","sentiment_score":0.1436346471309662},{"text":"Mhmm.","start":3195.25,"end":3195.75,"sentiment":"neutral","sentiment_score":0.08420191705226898},{"text":"Yeah.","start":3235.135,"end":3235.635,"sentiment":"neutral","sentiment_score":0.12291035056114195},{"text":"Yeah.","start":3262.6199,"end":3262.94,"sentiment":"neutral","sentiment_score":0.1575355976819992}],"sentiment":"neutral","sentiment_score":0.11964699327945709,"num_words":5,"start":3154.645,"end":3262.94},{"sentences":[{"text":"Right.","start":3262.94,"end":3263.44,"sentiment":"positive","sentiment_score":0.4095197916030884},{"text":"That's fantastic.","start":3263.5798,"end":3264.4,"sentiment":"positive","sentiment_score":0.7905458211898804},{"text":"Yeah.","start":3333.015,"end":3333.515,"sentiment":"neutral","sentiment_score":-0.033901505172252655},{"text":"Jeez.","start":3346.045,"end":3346.545,"sentiment":"neutral","sentiment_score":-0.02422703430056572},{"text":"That's it.","start":3347.085,"end":3347.725,"sentiment":"neutral","sentiment_score":-0.05349190719425678}],"sentiment":"neutral","sentiment_score":0.26078558287450243,"num_words":7,"start":3262.94,"end":3347.725},{"sentences":[{"text":"That's it.","start":3347.725,"end":3348.205,"sentiment":"neutral","sentiment_score":-0.030000521801412106},{"text":"Yeah.","start":3348.205,"end":3348.705,"sentiment":"neutral","sentiment_score":-0.02800631523132324},{"text":"Oh.","start":3367.74,"end":3368.0598,"sentiment":"neutral","sentiment_score":-0.019090864807367325},{"text":"Yeah.","start":3368.0598,"end":3368.5598,"sentiment":"neutral","sentiment_score":-0.013259736821055412},{"text":"So one thing I'm thinking too is, you know how I was talking about people getting property management through SMSF and amusement parks and things like that?","start":3381.595,"end":3392.1602,"sentiment":"neutral","sentiment_score":0.04692454208378439}],"sentiment":"neutral","sentiment_score":0.03583139611873776,"num_words":32,"start":3347.725,"end":3392.1602},{"sentences":[{"text":"Let's say you've got an idea of we buy this and we add some cabins on it, right, just for argument's sake.","start":3393.34,"end":3399.9202,"sentiment":"neutral","sentiment_score":0.11095758527517319},{"text":"Everything there from an investment retirement legal standpoint, it's all gonna be, like, market rates.","start":3400.985,"end":3408.205,"sentiment":"neutral","sentiment_score":0.08738909959793091},{"text":"So let's say there's a cabin on top and people rent it for a holiday, and one of those people just happens to be you guys once through that year, and you use the property and you pay a market rate, which is essentially paying your own super you're paying yourself.","start":3408.665,"end":3424.16,"sentiment":"neutral","sentiment_score":0.13548160139836518},{"text":"Do you know what I mean?","start":3424.16,"end":3425.3,"sentiment":"neutral","sentiment_score":-0.0007434391106168423},{"text":"The two things that you run into, which is not crystal in my mind, but I've seen it happen a lot, you're not really meant to improve the SMSF property.","start":3426.32,"end":3436.295,"sentiment":"neutral","sentiment_score":-0.2605533165236314}],"sentiment":"neutral","sentiment_score":0.02290649121747382,"num_words":124,"start":3393.34,"end":3436.295},{"sentences":[{"text":"So most of the time, when you buy just a straight up house, people go, I wanna buy a fixer upper and renovate it and flip it.","start":3436.675,"end":3443.555,"sentiment":"neutral","sentiment_score":-0.21071448591020372},{"text":"You can't do that.","start":3443.555,"end":3444.54,"sentiment":"negative","sentiment_score":-0.4779587909579277},{"text":"You can't add to it and improve it in that sense, so people generally buy commercial or new properties.","start":3445.98,"end":3452.6401,"sentiment":"neutral","sentiment_score":-0.015804622322320938},{"text":"The flip side to that guy who had the amusement park was 10% loan from the super through his business.","start":3453.98,"end":3463.565,"sentiment":"neutral","sentiment_score":0.09996310472488404},{"text":"And it was his business on the property, and the super was helping fund that and lease the property back.","start":3464.7449,"end":3471.9448,"sentiment":"neutral","sentiment_score":0.130733079649508}],"sentiment":"neutral","sentiment_score":-0.03652767133381632,"num_words":90,"start":3436.675,"end":3471.9448},{"sentences":[{"text":"So it was a time between their business and this self managed super fund in two commercial ways, the business loan and the leasing of the property at commercial rates.","start":3471.9448,"end":3482.74,"sentiment":"neutral","sentiment_score":0.0769268042097489},{"text":"So there's things that you can do there, but it then has to tie in your personal with your super, if that makes sense.","start":3482.88,"end":3490.565,"sentiment":"neutral","sentiment_score":0.057448866621901594},{"text":"Perfect.","start":3515.855,"end":3516.355,"sentiment":"neutral","sentiment_score":0.257353276014328},{"text":"Yeah.","start":3567.355,"end":3567.855,"sentiment":"neutral","sentiment_score":0.09792166203260422},{"text":"And it's cool to do.","start":3577.21,"end":3578.33,"sentiment":"positive","sentiment_score":0.4566349983215332}],"sentiment":"neutral","sentiment_score":0.10368896483397874,"num_words":61,"start":3471.9448,"end":3578.33},{"sentences":[{"text":"It just ties up loans, unfortunately.","start":3578.33,"end":3580.43,"sentiment":"neutral","sentiment_score":-0.08352306485176086},{"text":"So, like, if you have to do a bit personal with your own company and a bit in the super, you just kind of have these two little debts that kind of interplay.","start":3580.73,"end":3589.575,"sentiment":"neutral","sentiment_score":-0.06087031486359509},{"text":"And at some point, someone's gonna have to sell something to someone else.","start":3589.795,"end":3593.095,"sentiment":"neutral","sentiment_score":-0.11861833872703406},{"text":"You know what I mean?","start":3593.1548,"end":3594.295,"sentiment":"neutral","sentiment_score":-0.017294263280928136},{"text":"In terms of entities, either you to yourself or you to someone else.","start":3594.515,"end":3599.095,"sentiment":"neutral","sentiment_score":0.007690920136295832}],"sentiment":"neutral","sentiment_score":-0.05769123625276344,"num_words":70,"start":3578.33,"end":3599.095},{"sentences":[{"text":"And the last thing I wanted to say about that was just around when I asked about generating a return from the property.","start":3600.3599,"end":3605.5,"sentiment":"neutral","sentiment_score":0.06217508341955102},{"text":"Even if it's not gonna be the biggest moneymaker, the flip side to that is, let's say you've got that goal we talked about before.","start":3607.24,"end":3614.94,"sentiment":"neutral","sentiment_score":0.04999837070703506},{"text":"House is paid off.","start":3615.2349,"end":3616.115,"sentiment":"neutral","sentiment_score":0.06881188973784447},{"text":"You've got that property.","start":3616.115,"end":3617.2349,"sentiment":"neutral","sentiment_score":0.11052415892481804},{"text":"You've got your portfolio on the side.","start":3617.2349,"end":3619.095,"sentiment":"neutral","sentiment_score":0.11101265464510236}],"sentiment":"neutral","sentiment_score":0.06626061846812566,"num_words":63,"start":3600.3599,"end":3619.095},{"sentences":[{"text":"If the retirement income need is less because you've got all these properties paid off and you've got the best of both lifestyle worlds, then you don't need that extra million dollars.","start":3620.035,"end":3629.095,"sentiment":"neutral","sentiment_score":0.13612476928392425},{"text":"Yeah.","start":3631.68,"end":3631.84,"sentiment":"neutral","sentiment_score":0.08328618109226227},{"text":"As long as that's kind of the goal saying, k.","start":3631.84,"end":3634.08,"sentiment":"neutral","sentiment_score":0.08711861073970795},{"text":"Either we generate a return out of this to get what we were getting before or we accept it's gonna be a lower return but better lifestyle at the end, just a lower income.","start":3634.08,"end":3644.18,"sentiment":"neutral","sentiment_score":0.0648732913986725},{"text":"Yeah.","start":3667.6702,"end":3667.9102,"sentiment":"neutral","sentiment_score":0.0667235404253006}],"sentiment":"neutral","sentiment_score":0.09721641478916773,"num_words":78,"start":3620.035,"end":3667.9102},{"sentences":[{"text":"No.","start":3667.9102,"end":3668.1501,"sentiment":"neutral","sentiment_score":0.09841042757034302},{"text":"I love it.","start":3668.1501,"end":3668.6301,"sentiment":"positive","sentiment_score":0.38850916425387066},{"text":"You guys have put it really eloquently and put a lot of thought into all of this, and I just love like, I've been kind of along the journey a little bit the last twelve months watching all of this kind of formula.","start":3668.6301,"end":3679.135,"sentiment":"positive","sentiment_score":0.4344985634088516},{"text":"And just as you guys have gone from step one, two, three, four, five, I can feel you getting closer to it.","start":3679.755,"end":3685.95,"sentiment":"positive","sentiment_score":0.46945325894789264},{"text":"And I know that you can feel that too.","start":3686.03,"end":3687.39,"sentiment":"positive","sentiment_score":0.5342483950985802}],"sentiment":"positive","sentiment_score":0.4497895307647876,"num_words":78,"start":3667.9102,"end":3687.39},{"sentences":[{"text":"So you're gonna get there.","start":3687.39,"end":3688.6099,"sentiment":"positive","sentiment_score":0.43404191732406616},{"text":"I'll keep doing my best in the background with Sevvy doing our thing.","start":3689.15,"end":3692.45,"sentiment":"positive","sentiment_score":0.499454901768611},{"text":"If you need us, Chris, anyone else, just give us a call.","start":3692.75,"end":3696.27,"sentiment":"neutral","sentiment_score":0.15393826613823572},{"text":"And at some point, I just can't wait to see what you guys end up doing.","start":3696.27,"end":3699.435,"sentiment":"neutral","sentiment_score":0.2748017869889736},{"text":"He's good.","start":3702.7952,"end":3703.435,"sentiment":"positive","sentiment_score":0.6116378009319305}],"sentiment":"positive","sentiment_score":0.33605180618663627,"num_words":48,"start":3687.39,"end":3703.435},{"sentences":[{"text":"He's good.","start":3703.435,"end":3704.175,"sentiment":"positive","sentiment_score":0.5977039337158203},{"text":"He's back.","start":3704.715,"end":3705.455,"sentiment":"positive","sentiment_score":0.42108628153800964},{"text":"He's doing things.","start":3705.835,"end":3707.0552,"sentiment":"positive","sentiment_score":0.35357606410980225},{"text":"You know, Sev, he's an absolute bundle of energy, and I I barely see him for a couple of hours a day because he's just all over doing everything.","start":3707.5151,"end":3716.55,"sentiment":"neutral","sentiment_score":0.18465993142333523},{"text":"And he's definitely a lot better a lot better since last year.","start":3716.9302,"end":3721.83,"sentiment":"positive","sentiment_score":0.4575499768058459}],"sentiment":"neutral","sentiment_score":0.2905009657454987,"num_words":48,"start":3703.435,"end":3721.83},{"sentences":[{"text":"Yeah.","start":3723.6501,"end":3723.8901,"sentiment":"neutral","sentiment_score":0.22625362873077393},{"text":"He's just a bundle of energy at the moment.","start":3723.8901,"end":3725.49,"sentiment":"neutral","sentiment_score":0.28714948727024925},{"text":"He's just really picked the office vibes up a little bit.","start":3725.49,"end":3727.785,"sentiment":"neutral","sentiment_score":0.28937397490848193},{"text":"I'll have to get him to to give you a buzz at some point and do a bit of a catch up.","start":3730.265,"end":3733.4648,"sentiment":"neutral","sentiment_score":0.12315547398545525},{"text":"And, again, next time you're around, we'll take you out for lunch.","start":3733.4648,"end":3737.065,"sentiment":"neutral","sentiment_score":0.11935848804811637}],"sentiment":"neutral","sentiment_score":0.18428063677115875,"num_words":55,"start":3723.6501,"end":3737.065},{"sentences":[{"text":"But, yeah, he's definitely definitely on the mend.","start":3737.065,"end":3750.71,"sentiment":"neutral","sentiment_score":0.13018250977620482},{"text":"I love it.","start":3768.71,"end":3769.61,"sentiment":"positive","sentiment_score":0.7132134636243185},{"text":"Yes.","start":3799.7002,"end":3800.085,"sentiment":"neutral","sentiment_score":0.10293014347553252},{"text":"Yeah.","start":3807.685,"end":3808.005,"sentiment":"neutral","sentiment_score":0.010001357644796371},{"text":"It's pretty much a bit of a rebalance of the portfolio weightings, the replacement of the Bennelong, the addition of those three options, bit of a rollover from QSuper.","start":3808.005,"end":3818.18,"sentiment":"neutral","sentiment_score":0.1316978041211079}],"sentiment":"neutral","sentiment_score":0.16936353070750124,"num_words":42,"start":3737.065,"end":3818.18},{"sentences":[{"text":"Everything else is currently on pause in terms of property, cash flow, and insurances, and that's kind of our our next steps.","start":3818.72,"end":3826.18,"sentiment":"neutral","sentiment_score":-0.08814967914738438},{"text":"And, hopefully, by tax time, we've got a bit more clarity around the work side of things, insurance, SMSF, and so on, and then we can just dive into all different directions.","start":3826.635,"end":3837.695,"sentiment":"neutral","sentiment_score":0.17045050440356135},{"text":"So the first thing you would do is, let's say, you find the property, you find the idea, shoot it through to Savvy, Chris, and myself so we can look over it together.","start":3864.8398,"end":3875.02,"sentiment":"neutral","sentiment_score":0.2897732032067848},{"text":"We'll spitball some ideas and work out the kinks and figures.","start":3875.135,"end":3878.515,"sentiment":"neutral","sentiment_score":0.20909826457500458},{"text":"We can put an updated plan together, so usual statement of advice, all that kind of thing.","start":3879.055,"end":3884.755,"sentiment":"neutral","sentiment_score":0.22973925401182735}],"sentiment":"neutral","sentiment_score":0.16768075768714366,"num_words":115,"start":3818.72,"end":3884.755},{"sentences":[{"text":"When it comes to SMSF, accountants do the entities, advisors do the product and the strategy.","start":3884.895,"end":3890.755,"sentiment":"neutral","sentiment_score":0.20246228948235512},{"text":"So if we get a good plan together and everyone's happy with it, they'll set up the trust and the companies and everything like that.","start":3891.3699,"end":3898.19,"sentiment":"positive","sentiment_score":0.551638652086258},{"text":"We'll set up the bank accounts and the investment accounts, and and we kind of dive into it.","start":3898.25,"end":3905.15,"sentiment":"neutral","sentiment_score":0.3039681994252735},{"text":"Couple of cool things we can do as long as we get the right bank account, such as like a a Macquarie cash management account or something like that, that'll facilitate all of your transactions, rental income contributions, all that kind of thing.","start":3906.7148,"end":3920.575,"sentiment":"positive","sentiment_score":0.4689492098120756},{"text":"And then the even Hub twenty four now can do an SMSF owned account and just move all your stuff across in the spec sheet.","start":3920.91,"end":3929.23,"sentiment":"positive","sentiment_score":0.46680841088294983}],"sentiment":"positive","sentiment_score":0.42784895131907125,"num_words":127,"start":3884.895,"end":3929.23},{"sentences":[{"text":"Don't even have to sell it down.","start":3929.23,"end":3930.8499,"sentiment":"neutral","sentiment_score":0.17193821285452163},{"text":"They can just bring it across with a with a click of a button.","start":3930.99,"end":3933.73,"sentiment":"positive","sentiment_score":0.34876142129568116},{"text":"We would have to tie in if it's gonna be both of you guys and both of your supers, tie all that in together.","start":3934.7751,"end":3940.715,"sentiment":"neutral","sentiment_score":-0.031142957624979317},{"text":"And, hopefully, if you've got that EBA sorted and you've got choice of funds, it's much cleaner if you can have your contributions flowing through your SMSF bank account so that it's helping service the property and the loans and everything.","start":3942.5352,"end":3956.85,"sentiment":"positive","sentiment_score":0.4519976671875977},{"text":"And then you can distribute the funds and invest them from there into property and investments.","start":3957.23,"end":3961.65,"sentiment":"neutral","sentiment_score":0.21943804435431957}],"sentiment":"neutral","sentiment_score":0.26844813205374807,"num_words":102,"start":3929.23,"end":3961.65},{"sentences":[{"text":"Having to have funds go to q super and and Belinda's super and then an SMSF on the side and rolling funds around all year, that can be really painful so that the cleaner to set up the best.","start":3962.475,"end":3976.75,"sentiment":"neutral","sentiment_score":-0.1385517240716861},{"text":"Yeah.","start":3996.025,"end":3996.4248,"sentiment":"neutral","sentiment_score":0.04781167581677437},{"text":"You wouldn't even have to split it.","start":3996.4248,"end":3997.865,"sentiment":"neutral","sentiment_score":0.021297470001237735},{"text":"So one of the things that you can do is, let's say, every single dollar goes into that one bank account.","start":3997.865,"end":4004.26,"sentiment":"neutral","sentiment_score":0.10219903928892952},{"text":"Loans are paid, contributions come in, fees, taxes, premiums for insurances.","start":4005.36,"end":4009.3,"sentiment":"neutral","sentiment_score":0.06332863325422461}],"sentiment":"neutral","sentiment_score":-0.029921879520333265,"num_words":79,"start":3962.475,"end":4009.3},{"sentences":[{"text":"Everything gets through the wash.","start":4009.6,"end":4011.46,"sentiment":"neutral","sentiment_score":0.09144359678030015},{"text":"We literally just take that lump sum, invest it into the portfolio.","start":4011.6802,"end":4015.325,"sentiment":"neutral","sentiment_score":0.15976396948099136},{"text":"And then every year when we revisit it, we see how the cash flow has gone for the SMSF because that's gonna take into account loan repayments.","start":4018.025,"end":4026.685,"sentiment":"neutral","sentiment_score":0.05853548890876549},{"text":"And if there's a leftover, you would pretty much do, like, a once a year or once every six months investment of excess funds.","start":4027.07,"end":4035.41,"sentiment":"neutral","sentiment_score":0.022780785414700706},{"text":"Then it just becomes much more fluid.","start":4041.8848,"end":4043.6648,"sentiment":"neutral","sentiment_score":0.07511008690510478}],"sentiment":"neutral","sentiment_score":0.06703137701998155,"num_words":75,"start":4009.6,"end":4043.6648},{"sentences":[{"text":"The property is owned.","start":4044.285,"end":4045.7449,"sentiment":"neutral","sentiment_score":0.14476298913359642},{"text":"Everything just continuously getting invested, and we can just basically run it like we have been.","start":4045.8848,"end":4051.02,"sentiment":"neutral","sentiment_score":0.17899498902261257},{"text":"And even if you want?","start":4085.45,"end":4086.99,"sentiment":"neutral","sentiment_score":0.019885220751166343},{"text":"Yeah.","start":4087.545,"end":4087.7048,"sentiment":"neutral","sentiment_score":0.10638278722763062},{"text":"Go for it.","start":4087.7048,"end":4088.775,"sentiment":"neutral","sentiment_score":0.13780689984560013}],"sentiment":"neutral","sentiment_score":0.14007590935918793,"num_words":29,"start":4044.285,"end":4088.775},{"sentences":[{"text":"Yeah.","start":4134.54,"end":4135.04,"sentiment":"neutral","sentiment_score":0.03870132938027382},{"text":"Yeah.","start":4146.955,"end":4147.455,"sentiment":"neutral","sentiment_score":0.02988836169242859},{"text":"Yeah.","start":4175.0,"end":4175.5,"sentiment":"neutral","sentiment_score":0.03841900825500488},{"text":"Yeah.","start":4239.395,"end":4239.895,"sentiment":"neutral","sentiment_score":0.12354474514722824},{"text":"And you guys can't see me right now.","start":4240.035,"end":4242.115,"sentiment":"neutral","sentiment_score":0.06199339684098959}],"sentiment":"neutral","sentiment_score":0.060541718266904354,"num_words":12,"start":4134.54,"end":4242.115},{"sentences":[{"text":"I do apologize for not being on video call, but I just have this huge smile on my face looking at this flowchart they've sent you because I just went through a flowchart with the staff members last week about SMSF, and it almost mimics this exactly.","start":4242.115,"end":4257.35,"sentiment":"positive","sentiment_score":0.36562025190350855},{"text":"Yeah.","start":4258.575,"end":4259.075,"sentiment":"neutral","sentiment_score":0.08643147349357605},{"text":"What what when I look at this, this is explaining your entities really, really well in terms of the SMSF trustee, having to have the bare trust, the bare trustee, and the property, the lender, all that kind of thing.","start":4260.335,"end":4272.515,"sentiment":"neutral","sentiment_score":0.12305880524218082},{"text":"What I was explaining before to you, Carl, about the bank account and the investment account is just zooming in on that yellow side and the actual accounts that are sitting under the hood.","start":4273.0303,"end":4282.25,"sentiment":"neutral","sentiment_score":0.06130227413685883},{"text":"Yeah.","start":4314.915,"end":4315.415,"sentiment":"neutral","sentiment_score":0.00914730504155159}],"sentiment":"neutral","sentiment_score":0.19745008250683305,"num_words":123,"start":4242.115,"end":4315.415},{"sentences":[{"text":"Yep.","start":4320.995,"end":4321.475,"sentiment":"neutral","sentiment_score":0.20269685983657837},{"text":"And it's the only way to do it.","start":4321.475,"end":4323.175,"sentiment":"neutral","sentiment_score":0.25605251640081406},{"text":"A lot of people wanna, like, scrimp and save on fees to go, oh, I'll be an individual trustee of my SMSF, and it's just like, just just pay that little bit extra to have the company so it's safe.","start":4323.58,"end":4333.2,"sentiment":"positive","sentiment_score":0.3611863344907761},{"text":"The the lenders usually require it to have the bare trust and the BearTrustee being a company anyway.","start":4334.62,"end":4339.495,"sentiment":"neutral","sentiment_score":0.10645110677513811},{"text":"Back when I was doing a lot of SMSFs about ten years ago, you had to have a 50% deposit, and there was only two or three lenders that would do it.","start":4340.595,"end":4349.095,"sentiment":"neutral","sentiment_score":0.0765452510677278}],"sentiment":"neutral","sentiment_score":0.21276907400801928,"num_words":99,"start":4320.995,"end":4349.095},{"sentences":[{"text":"It's relaxed a lot now, but it comes in cycles.","start":4349.5703,"end":4352.6104,"sentiment":"neutral","sentiment_score":0.11207215711474419},{"text":"And one day, someone's gonna restrict it again, and you're gonna wanna make sure you've got a safe setup and not have to be falling into our we did it the cheap and easy way, and now all of a sudden the government's restricted us.","start":4352.6104,"end":4363.0303,"sentiment":"neutral","sentiment_score":0.03628589461247126},{"text":"Yeah.","start":4395.385,"end":4395.8647,"sentiment":"neutral","sentiment_score":0.10915977507829666},{"text":"I I pretty much agree with what Chris said.","start":4395.8647,"end":4398.525,"sentiment":"neutral","sentiment_score":0.311467996901936},{"text":"This is the first time since I've been an adult that I've seen something that politically what would you call it?","start":4399.305,"end":4407.94,"sentiment":"neutral","sentiment_score":0.0903880890636217}],"sentiment":"neutral","sentiment_score":0.08795474937488866,"num_words":86,"start":4349.5703,"end":4407.94},{"sentences":[{"text":"The political appetite to make those changes for the first time, and they've been wanting to do it for a long, long time.","start":4409.52,"end":4414.6396,"sentiment":"neutral","sentiment_score":0.1657094735166301},{"text":"This is the first time that everyone's pretty much in agreement to do it.","start":4414.6396,"end":4418.195,"sentiment":"positive","sentiment_score":0.39027903974056244},{"text":"And if there's one time to do it, it's now.","start":4418.255,"end":4420.355,"sentiment":"neutral","sentiment_score":0.10535933971405029},{"text":"Right?","start":4420.655,"end":4420.895,"sentiment":"neutral","sentiment_score":0.01363491266965866},{"text":"When everyone's in the hurt, they're pretty much gonna use that as the excuse to do it.","start":4420.895,"end":4425.695,"sentiment":"negative","sentiment_score":-0.3649734591736513}],"sentiment":"neutral","sentiment_score":0.06366006078628393,"num_words":65,"start":4409.52,"end":4425.695},{"sentences":[{"text":"So it's gonna come through.","start":4425.695,"end":4427.235,"sentiment":"neutral","sentiment_score":-0.0455686055123806},{"text":"There's a lot of reassurances that they're trying to do in terms of grandfathering, but also the targeting of it.","start":4427.855,"end":4436.39,"sentiment":"neutral","sentiment_score":-0.22763942144811153},{"text":"So changing the percentages is gonna be the most detrimental to a lot of people.","start":4436.39,"end":4441.69,"sentiment":"negative","sentiment_score":-0.5696855783462524},{"text":"The removal of the CGT discount for people above three properties are heard thrown around.","start":4442.39,"end":4448.09,"sentiment":"negative","sentiment_score":-0.35276378989219664},{"text":"That's more to target the people who own five, ten, 20 investments.","start":4448.745,"end":4452.925,"sentiment":"neutral","sentiment_score":-0.17347122045854727}],"sentiment":"neutral","sentiment_score":-0.30894069590452894,"num_words":67,"start":4425.695,"end":4452.925},{"sentences":[{"text":"They're trying to make sure that they avoid upsetting the mom and pops who have their one or two investment properties because that's a big vote of us.","start":4454.2646,"end":4463.6797,"sentiment":"neutral","sentiment_score":-0.10193503435168948},{"text":"So that should be pretty safe.","start":4463.6797,"end":4465.62,"sentiment":"neutral","sentiment_score":0.2272761141260465},{"text":"If they do the percentages, I'd be pretty yeah.","start":4466.0,"end":4469.07,"sentiment":"neutral","sentiment_score":0.038312325047122106},{"text":"Yeah.","start":4534.5703,"end":4535.0703,"sentiment":"neutral","sentiment_score":0.11884292215108871},{"text":"Yeah.","start":4557.8,"end":4558.12,"sentiment":"neutral","sentiment_score":0.21184933185577393}],"sentiment":"neutral","sentiment_score":-0.018111579948001437,"num_words":45,"start":4454.2646,"end":4558.12},{"sentences":[{"text":"Yep.","start":4558.12,"end":4558.62,"sentiment":"neutral","sentiment_score":0.20463883876800537},{"text":"There you go.","start":4606.8604,"end":4607.7603,"sentiment":"neutral","sentiment_score":0.00030460022389888763},{"text":"He owns how much?","start":4608.22,"end":4609.68,"sentiment":"neutral","sentiment_score":0.0016450395341962576},{"text":"$330.","start":4609.74,"end":4611.3604,"sentiment":"neutral","sentiment_score":0.007493866607546806},{"text":"Yeah.","start":4626.155,"end":4626.655,"sentiment":"neutral","sentiment_score":-0.01668926328420639}],"sentiment":"neutral","sentiment_score":0.020293740089982748,"num_words":10,"start":4558.12,"end":4626.655},{"sentences":[{"text":"Yeah.","start":4654.005,"end":4654.405,"sentiment":"positive","sentiment_score":0.3517628014087677},{"text":"I appreciate that.","start":4654.405,"end":4655.205,"sentiment":"positive","sentiment_score":0.3384091605742772},{"text":"And to be honest, I meant what I said in the email when I said that I've always liked spitballing ideas in the industry.","start":4655.205,"end":4661.4004,"sentiment":"neutral","sentiment_score":0.253973684584101},{"text":"And if there's an opportunity to work with those guys or someone else down the line, like, I'm never one to try and bubble things off to the side.","start":4661.7803,"end":4669.72,"sentiment":"positive","sentiment_score":0.3544711758350504},{"text":"I've always talked to everyone in the industry, and if they've got cool ideas, that's fantastic.","start":4670.315,"end":4674.335,"sentiment":"positive","sentiment_score":0.6505614668130875}],"sentiment":"positive","sentiment_score":0.38563022303254635,"num_words":73,"start":4654.005,"end":4674.335},{"sentences":[{"text":"My favorite thing to do is sitting there with a whiteboard with Chris and Savvy and myself and whoever and just coming up with ideas.","start":4674.955,"end":4682.175,"sentiment":"positive","sentiment_score":0.6074701356887817},{"text":"This is the most fun.","start":4682.45,"end":4683.33,"sentiment":"positive","sentiment_score":0.6616081118583679},{"text":"When you've got people who can do the things, let's come up with the best three, four, five ideas and figure out which one suits you guys, and then we just go and do it.","start":4683.33,"end":4690.71,"sentiment":"positive","sentiment_score":0.4489258996077946},{"text":"Thank you.","start":4732.35,"end":4733.1704,"sentiment":"positive","sentiment_score":0.6373006403446198},{"text":"Yeah.","start":4740.5903,"end":4740.99,"sentiment":"positive","sentiment_score":0.3728439509868622}],"sentiment":"positive","sentiment_score":0.5272742010214749,"num_words":68,"start":4674.955,"end":4740.99},{"sentences":[{"text":"Cool.","start":4740.99,"end":4741.39,"sentiment":"positive","sentiment_score":0.4270623028278351},{"text":"When it comes to the SMSF ideas, I'll definitely have a chat to Chris and Savi about it.","start":4741.39,"end":4748.475,"sentiment":"neutral","sentiment_score":0.23670922054184806},{"text":"I'm gonna take it a little little bit slow because I I need some things, some ducks to line up for you guys before I would say to dive into it, and that's things like the agreement with work.","start":4749.575,"end":4762.31,"sentiment":"neutral","sentiment_score":0.02812984709938367},{"text":"If you're having to interplay between health conditions, occupation issues for insurances for both of you guys, restrictions on having to have q super still there, it becomes very messy very quickly.","start":4762.77,"end":4777.105,"sentiment":"neutral","sentiment_score":-0.11474644078407437},{"text":"And if those line up over the next couple of months, it becomes much, much more of a realistic thing to dive into.","start":4777.485,"end":4784.625,"sentiment":"neutral","sentiment_score":0.2713174949521604}],"sentiment":"neutral","sentiment_score":0.0739230848519148,"num_words":113,"start":4740.99,"end":4784.625},{"sentences":[{"text":"So exactly what you said about the ideas about whether you go outright or partial loan, things like that, I'll spit all those ideas, but I'm seeing this happening after end of financial year.","start":4784.925,"end":4797.07,"sentiment":"neutral","sentiment_score":0.1289391952621586},{"text":"Oh, and also, because I'm going away on paternity leave in June with my daughter on arrival, I'll make sure Savvy's there on call for that month until I get back around July.","start":4798.13,"end":4812.8047,"sentiment":"neutral","sentiment_score":0.13940658826719632},{"text":"Thank you.","start":4815.6,"end":4816.1597,"sentiment":"positive","sentiment_score":0.67112997174263},{"text":"So it's hour number three.","start":4816.1597,"end":4817.28,"sentiment":"neutral","sentiment_score":0.09843164458870887},{"text":"You got the two two boys, six and three, and then the daughter on the way.","start":4817.28,"end":4821.6,"sentiment":"neutral","sentiment_score":0.16772979404777288}],"sentiment":"neutral","sentiment_score":0.15002716581026712,"num_words":90,"start":4784.925,"end":4821.6},{"sentences":[{"text":"So very, very excited.","start":4821.6,"end":4823.54,"sentiment":"neutral","sentiment_score":0.2881864234805107},{"text":"Well, my wife, Alexis, she's already had a much more rough pregnancy.","start":4826.56,"end":4831.1753,"sentiment":"neutral","sentiment_score":-0.2616124264895916},{"text":"She said that apparently girls are really hard in pregnancy, and that's all I've heard around the office.","start":4831.2354,"end":4836.2754,"sentiment":"negative","sentiment_score":-0.33408159679836696},{"text":"And her back's killing her.","start":4836.2754,"end":4837.875,"sentiment":"negative","sentiment_score":-0.523004150390625},{"text":"She's limping to the finish line, but we are so excited.","start":4837.875,"end":4840.455,"sentiment":"neutral","sentiment_score":-0.08741425180977042}],"sentiment":"neutral","sentiment_score":-0.23153299376368522,"num_words":50,"start":4821.6,"end":4840.455},{"sentences":[{"text":"No, Belinda.","start":4847.8696,"end":4848.77,"sentiment":"neutral","sentiment_score":-0.18205443769693375},{"text":"No.","start":4848.83,"end":4849.07,"sentiment":"neutral","sentiment_score":-0.09438449889421464},{"text":"Thank you.","start":4849.07,"end":4849.73,"sentiment":"neutral","sentiment_score":0.06269915401935577},{"text":"No.","start":4858.525,"end":4859.005,"sentiment":"neutral","sentiment_score":-0.11749808490276337},{"text":"Everyone was involved.","start":4859.005,"end":4860.145,"sentiment":"neutral","sentiment_score":-0.10142137110233307}],"sentiment":"neutral","sentiment_score":-0.08387302938434812,"num_words":9,"start":4847.8696,"end":4860.145},{"sentences":[{"text":"We we get everyone to do it.","start":4860.3647,"end":4862.145,"sentiment":"neutral","sentiment_score":-0.01877234929374286},{"text":"It was fantastic.","start":4862.605,"end":4863.485,"sentiment":"positive","sentiment_score":0.6087485750516256},{"text":"We brought everyone over to my grandmother's house, my my bubba over there, and we all helped cook it up because she's she's 86 now.","start":4863.485,"end":4872.0103,"sentiment":"neutral","sentiment_score":0.27733409106731416},{"text":"She's she's definitely getting on in years, but we all sat around the family kitchen that I grew up with in Oxford there.","start":4872.07,"end":4879.19,"sentiment":"neutral","sentiment_score":0.15122093422257382},{"text":"It was a big family home where you had all the aunts and uncles and everything and cooked up some and and all the cheesecakes in the world, jam cakes and all the rest of it.","start":4879.19,"end":4889.565,"sentiment":"neutral","sentiment_score":0.21148082262112033}],"sentiment":"neutral","sentiment_score":0.2097827942368198,"num_words":94,"start":4860.3647,"end":4889.565},{"sentences":[{"text":"Everyone's invited when it comes to Bubba's house.","start":4889.565,"end":4892.065,"sentiment":"neutral","sentiment_score":0.31810055673122406},{"text":"Yeah.","start":4895.4053,"end":4895.645,"sentiment":"neutral","sentiment_score":0.08651350438594818},{"text":"It was serious, and then she sent me home with because my favorite's always been her cheesecake since I've been little.","start":4895.645,"end":4901.17,"sentiment":"neutral","sentiment_score":0.10132294165946189},{"text":"She gives me an entire container full of it and then a whole bunch of leftovers, and then I'm basically dead for two weeks eating the same thing.","start":4901.17,"end":4908.87,"sentiment":"neutral","sentiment_score":-0.05590230732091835},{"text":"No.","start":4923.28,"end":4923.52,"sentiment":"neutral","sentiment_score":0.010977678000926971}],"sentiment":"neutral","sentiment_score":0.05431886112033311,"num_words":59,"start":4889.565,"end":4923.52},{"sentences":[{"text":"Thank you very much, Linda and Carl.","start":4923.52,"end":4925.46,"sentiment":"positive","sentiment_score":0.36324548721313477},{"text":"I'm gonna flick you back a quick reply to your email.","start":4925.6797,"end":4928.08,"sentiment":"neutral","sentiment_score":0.1735696941614151},{"text":"I've graffitied on that picture a little bit just to add in the context of the I'm gonna call it my graffiti.","start":4928.08,"end":4935.06,"sentiment":"neutral","sentiment_score":0.07311278192157095},{"text":"The context of the accounts for the investments.","start":4936.5347,"end":4939.355,"sentiment":"neutral","sentiment_score":0.038800247479230165},{"text":"Outside of that, I do have a separate email coming to you just for the renewed service agreement because that that clicked off last month.","start":4941.0146,"end":4949.1147,"sentiment":"neutral","sentiment_score":0.041282073184847834}],"sentiment":"neutral","sentiment_score":0.10140986380817955,"num_words":73,"start":4923.52,"end":4949.1147},{"sentences":[{"text":"So I'll pop that through to you separately.","start":4950.57,"end":4952.19,"sentiment":"neutral","sentiment_score":0.06584148155525327},{"text":"Just wanted to make sure you were happy with the strategy first.","start":4952.33,"end":4954.83,"sentiment":"neutral","sentiment_score":0.10907947706679504},{"text":"Awesome, guys.","start":4958.25,"end":4958.9697,"sentiment":"positive","sentiment_score":0.6331627368927002},{"text":"I'll pop that through to you now.","start":4958.9697,"end":4960.4897,"sentiment":"positive","sentiment_score":0.34101255025182453},{"text":"So there'll be two Odoo emails and my graffiti, and I will talk to you guys around tax time.","start":4960.4897,"end":4967.855,"sentiment":"neutral","sentiment_score":0.10555395327116314}],"sentiment":"neutral","sentiment_score":0.15613800031132996,"num_words":48,"start":4950.57,"end":4967.855},{"sentences":[{"text":"No.","start":4972.715,"end":4973.0347,"sentiment":"neutral","sentiment_score":-0.07909107208251953},{"text":"Still discounted to 1.1.","start":4973.0347,"end":4974.975,"sentiment":"neutral","sentiment_score":-0.04775749798864126},{"text":"You're getting close to the cap.","start":4975.275,"end":4976.79,"sentiment":"neutral","sentiment_score":0.24663729717334112},{"text":"So Sevvy is very excited, but we've almost got you there, and everyone's happy.","start":4976.95,"end":4981.37,"sentiment":"positive","sentiment_score":0.550537931067603},{"text":"And anything you need, you just give us a call.","start":4981.59,"end":4984.65,"sentiment":"neutral","sentiment_score":0.246835295855999}],"sentiment":"neutral","sentiment_score":0.3253024775002684,"num_words":35,"start":4972.715,"end":4984.65},{"sentences":[{"text":"Thanks, guys.","start":4987.19,"end":4987.91,"sentiment":"positive","sentiment_score":0.7126857340335846},{"text":"Have a good night.","start":4987.91,"end":4988.63,"sentiment":"positive","sentiment_score":0.6151935905218124},{"text":"Bye.","start":4988.63,"end":4989.13,"sentiment":"neutral","sentiment_score":0.3247047960758209}],"sentiment":"positive","sentiment_score":0.6015500894614628,"num_words":7,"start":4987.19,"end":4989.13}]}}]},{"alternatives":[{"transcript":"Hi. If you record your name and reason for calling, I'll see if this person is available. Thanks, Tommy. Please stay on the line. Hi, mate. How are you? Good. Thank you, mate. I think it just automatically must have turned itself on with the latest update because it's not anything that I've done. But I did find it particularly useful for reducing the number of unwanted calls that come through, so I've left it in place. Yeah. IPhone. Yeah. Yep. Mhmm. 08/1983 and 457 Jim White Way, Baruah, Queensland 4680. Yep. Yep. Okay. Yep. I've got Belinda sitting here with me as well so that, you know, that we Yeah. How are you going? Yeah. That sounds just kinda reset over the dam. The Mia's got a old motorbike parked out the front, and we just put a new old motorbike together for her. So she's been burning around all afternoon and just been over and fed the cows, I think. So, yeah, not terrible. I don't mind. This is fine. Just on speaker and, yeah, that's fine, mate. If nothing's come through to either inbox or spam just as of yet, but I'll just do a manual send and receive. Okay. Yeah. Yeah. The Easter was pretty standard for us. We usually try to get back to the South Coast where we used to live, and our friends down there have a a small farm, and they used to be our neighbors when we lived down there. So the girls are relatively all the same age. So we all drove down there together. So we did Gladstone to Dubbo. Dubbo and then Dubbo to Tumut and then spend a night with Belinda's family, and then we did Tumut to the South Coast. And then we had five days there. Then Belinda flew home from Murumbula. Me and the girls stayed for another five days and then drove home around two days ago. Yeah. So that's always good. Jason and kids just being kids and, yeah, all that sort of stuff. Today, is it? No? What's that? Is that collapsed or is that open? Oh, there's nothing right now. Okay. No. Except for the the fact that it's ridiculously expensive, but thank you to the Queensland government state taxpayers who finally have agreed to pay for my fuel. It wasn't too much of a burden for us, but There was no shortage. There was no shortages. There was no yeah. Nothing. Yeah. Yeah. Oh, yeah. Nothing. The ones come through from your address directly, but nothing nothing else has come through. Yep. Yep. Yep. Yep. Yeah. I checked the other day. It was back to, like, 08:10, I think. So I haven't 08:09 maybe. I haven't seen where it's at in the last maybe week, if not, maybe less than that. Yeah. Where is it? Okay. Yep. Yeah. Yeah. And then you you might see I don't know. You you don't have visibility to QSuper, but I got a I gave QC accountancy authority to deduct the Div two nine three from super at the end of last year, but something happened and it slipped through the cracks, and they didn't do it. So I got a reminder the other day, but they added another 3,900 or close enough to $4,000 to that as well. And I thought initially in the correspondence that I'd got that that was interest that was charged because the 4,500 wasn't paid on time. But digging a little deeper, Chris found that it was additional BCC contributions that hadn't been deducted or something. So they've done the div two nine three to come out of q super, and then they'll release the additional super, and I'll pay the tax on that so that I didn't go over the ECC again. So that'll be the next few days or something like that, but they're trying to take care of that. But yeah. So we still we have got So the EBA has apparently gone through Fair Work, and it's and it's ready to be signed off. But they're holding off signing anything because GPC still have not provided any confirmation of those insurances, and they still haven't provided any clarification around there's a new set of medical standards coming in in Queensland that all pilots are gonna be tested to, And they didn't want to include anything about those medical standards in the EBA, so they said what we were gonna do was form a working group, which was gonna sit outside of the EA, and it was all gonna be discussed in a working group. But so far, they haven't committed any kind of time or personnel to that working group. So the delegates and staff are a little bit frustrated with like, also, we got a lot of the stuff we wanted in the EA. There's a lot of those key factors that they haven't come to the party on. So I'm not sure if they're gonna put it out to the members for a vote or what the goal is, but, like, financially, it's not too bad. It's well, they can only go because we're a GOC, they can only go up in increment as what the government wages policy is. And so where that bit us in the ass is that the the port negotiated before the government changed in Queensland. So they negotiated their agreement under the old government wages policy, which was four and a half, four and a half, four or something like that. And then when the new government came in, they set the wages policy at two and a half, two and a half, three. So there was no way to bargain outside of that wages policy, which I think is what the teachers are going through at the moment as well. So, but we did get a couple of other things that they got through. So it'll end up being a pretty good package in another three years or something like that. But yeah. Yeah. Oh, and, like, for me, I've been there for, you know, five days compared to a lot of people, like, nearly four years. There's guys that have been there for twenty years that are going, hang on a sec. If I've been paying 5 to $10,000 a year for these insurances, and you're telling me I've been covered this whole time, like, that's substantial. Okay. Yeah. Yeah. Possibly. Yeah. Yes. So I've got the PDF open here in front of me with the mountains or whatever it is there. The other top. Must be the other one. This one's, like, grass house mountains. Oh, yep. Got the beachfront one now. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. And from my understanding, once the new EA is in force, there will no longer be legislative requirements for us to have QSuper at all. So the 12.75% will be paid regardless whether you have QSuper or not. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. They'll I mean, there'll be a few changes in the assets and stuff like we sold Belinda's Purrado. She's got a little BMW now, so we don't have as much in the Asset value. Assets. Home and contents and stuff, I think, would still be the same. The house value was I don't know what we put in there, but 1.7 it was 1.6 bank valuation and 1.7 to 1.8 real estate valuation. Same. So that's probably still right. The personal loan, I think it's probably a little bit less than that now, but it's, yeah, right around. And we have taken out so the mortgage will be at 1.28, but that's with a $180,000 basically line of credit sitting there ready to if we decide to purchase a Equity release. Investment property. So we did an equity release of 180 k, which is sitting there in a phone account at the moment waiting to decide if we do a investment property with Infinity or not. Yep. Correct. Correct. Yep. Yep. Yeah. Yeah. Yeah. I think we're paying about $27 a month on it or something like that. Well, it is only because they I didn't see it sitting it was sitting there for, like, forty eight hours or something before I moved the money back into the loan. But Yeah. Yeah. And moving forward, while we don't spend it, we shouldn't be paying anything on it. Yeah. Mhmm. Yep. Well, we we think differently about it all the time, but I guess the latest iteration that we've sort of had with it is that we're very content with what we have here. And I guess as we get older, like, Belinda's put it to me is that, you know, do we really want to necessarily start working harder and and learning how to run a farm and all that stuff as we get older? Or is it more that we just want somewhere that we can go where we've got space and we can go boat hunting and we can camp and all that stuff, and we've just got that available to us. So we've started kind of more thinking that that's probably the line we wanna go down. And I think as we've had these SMSF discussions with, you know, not only, like, you guys in a adviser type role, but talking to more people that we've met up here that have done it and stuff is that, you know, we've put ourselves in a good position with our super and and the projections and all that sort of stuff is, you know, do we look at buying a small well, there's, like, say, 500 acres down at the New England area, which is a a sheep farm that has plenty of deer on it and all that stuff, 550 acres for $500,000. And, you know, that's a 88 and a half hour drive from here. And just having something that we can escape to, but we're not shackled to from a living and working arrangement kind of thing. So as much as I think initially, we we kinda you know, and that's still not off the cards down the track. You know, it might be that we find that that's exactly what we do want, and we do want that for the girls later on. But at the moment, I don't think either of them would be particularly interested in, you know, all of a sudden taking on a a farming a proper farming role outside of a hobby farm, but having somewhere we can go that has a shack on it or something like that that we can get away to. I think it's probably more leaning that way. I've got a link to a property here. And I guess having that initial discussion with the New Haven guy, but also then having a discussion with Chris from QC Accountants, having the discussions with you, It's something that I didn't really know a lot about or know what the possibilities were with it. And I think it's probably changed our thinking a little bit as well. So, yeah, that's probably the, I guess, the biggest change to the goals, if you will, is to try and maybe get into something sooner, but have it as somewhere as just that we can escape to but continue to live here and try and pay our mortgage out here. We want financial in terms of paying this place off, definitely, but lifestyle as in we want somewhere to escape to as well. Like, we want the best of both worlds, I guess, you could put it down to. What we have here is pretty special, and I think it would be very selfish of us right now to look to move away from that. And like I keep saying to Carlos, yeah, I don't physically wanna buy us a job for retirement. I wanna retire and enjoy retirement. If we wanna go traveling, we can just lock up and go kinda thing where if we buy ourselves a farm at the age of 50, we kinda can't do that. So I guess we're looking at it from different perspectives as much as I would love that 100%. I don't love the idea of it being something that we're tied to, and it's gonna restrict us with the other things that we wanna do as well. Yeah. Yeah. Yeah. So yeah. And I think it is more we're looking for something that will be a lifestyle thing where Kyle can go hunting on it, and we can go camp camping and take the motorbikes out there, and and Mia can ride around in on it and bring friends and fishing or shooting or whatever it is. You know? And and that sort of block is not necessarily the best farming block. It's more just to have somewhere to go to escape to. And yeah. I don't know. I think it's and trying to look at how we can do that in a quicker time frame, like, I guess, is like, you know, whilst we're not old yet, we're also not young, and I wanna have that place to enjoy before we are too old to enjoy it, if that makes sense. So looking at what options Yeah. I think we have some pretty frank discussions with our friends when we go back to the South Coast. They're probably our two closest friends. And, you know, when you're sitting around the fire and you have conversations like, oh, if someone turned around and gave you a million dollars now, like, is that life changing? It's life changing in the sense that you would pay your house out or something like that. Then you go, well, if someone gave you 5,000,000, like, what, like, what would you actually do with it? Like, because if you can't even put down on paper what you're doing it for, then none of the goals are realistic anyway. Because if you turned around to me tomorrow and said someone's given you $2,000,000 what are you gonna do? Well, we would pay this house out and we'd probably look for a lifestyle block. And I think when you start thinking about it at a base level like that, that's when things start to become quite clear. Like, it's easy to write down, I wanna retire with $3,000,000 Yeah. But what for? Like like, is it just to make sure the girls are well set up? Yeah. But I still have a lot of living that I wanna do between now and then, and I wanna think about, well, how can we get the Infiniti stuff we're doing now? We want a rapid repay. We with that structure, like you said, there's a lot of people who can't do it. We've only done it now for six weeks. Six weeks? Eight weeks? Six weeks? How long? Yeah. A month. Well, yeah, six weeks. Yeah. And for the first time in twelve months or longer, we've put an extra $6,000 into the mortgage, like, which we haven't even considered that since we've been here. So that side of things, I think, is finally starting to tick over in a structured way. And then it's about like, well, okay, how do we look and you know, because obviously it was Infiniti that made us go to New Haven and talk about the SMSF, and it's probably not gonna be anywhere nearly in line with their process. But their process for us is primarily the rapid repay and the mortgage reduction, whether or not we invest in a $1,000,000 house on the Gold Coast in our SMSF or whether we go well, actually, it's probably more important to us to look for one of these. Like, as long as it passes all the requirements, the arms, legs requirements, and the genuine business and all that sort of stuff, it would probably be more in line with our values. And, you know, you would probably agree from the conversations that we've had, it would mean more to us if we've got our super still getting invested, making smart decisions, building and all that, but we've managed to acquire something that we can actually then access, but it's sitting there as a little sheep farm or something like that meeting all the legislative requirements. But it starts to then we start to look and go, hey. We've actually now sort of got everything we want in life, and we can really just dial in. So Yep. Yes. Yes. Yes. Yeah. Yeah. So, yeah, in a long winded way, that's probably the main ways that I I think our goals are probably shifting and becoming more realistic, but also more solidified or the scope changed slightly as we've probably got a little more educated, I guess, is one way to put it. Can you talk to Tommy for a sec while I get this thing? Yeah. Yeah. Yep. Absolutely. Yep. Yes. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. No. That I'm just gonna get a quick snapshot now. So there's 72,000 in q super. So we can roll over 55 even if you want. That'll leave $15.16. We can roll over 58. Okay. Yep. Yep. That's fine. Yes. $71.08 $6.08 or something. I just I just looked at sorry. 71628 as of today. You see so we're looking at 19? Yep. Yep. Lots of red. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Infinity Investment Management or sustainable share fund? Australian share fund. Yep. Yep. Yeah. I got the blue website. And Yeah. Our funds, Australian share fund or concentrated fund. Yep. Yep. Fund overview, video overview, fund performance and characteristics, form benchmark. Yeah. Five years. 0.9%. So slightly lower management fee. Yeah. Yep. No. Yes. Yes. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. Yep. But that is that shared government inflation one, the one that you were saying you were comparing it to the inflation bonds that you could get in The UK that you couldn't find a product the same in Australia? Is that what you found? Yeah. That's the other BlackRock BlackRock ones. Yep. Yep. Yep. Yep. Yep. Yep. Yep. 90. Yes. That's I mean, five years, months, and then ten years. Yep. So ten years is 53. We're at 1.6. Yep. Yep. Yep. Yep. And you'd rather like, I remember saying right at the start. It's all well and good. Like, I think if I went back right to the first statement of advice I got from Oakview when I very first come across, and that was in amongst all the super reviews and all that. Like, I remember some of the figures were like 3,400,000.0, you know, that projection and all this stuff. But without any projection, you've got no you've got nothing to base your decision making on. Whilst you understand they are projections, you would rather have a conservative projection and beat it than have an inflated projection and continuously fall below it. So Mhmm. Mhmm. Mhmm. Yes. Mhmm. Yes. And, obviously, like, the other thing that you can't take into account is, like, as my salary continues to go up, then the contributions inherently have increased also, like, just with, like, by November 2027, if we just get the base level pay rises, our salary package will be 374,000 a year. Then with our LNG allowance on top of that, that'll take it to 427,000. That takes our super to 54 and a half thousand a year, which is a 482 and a half thousand package in three years, two and a half years. Yes. Yes. Yep. Is there is there any benefit to me contributing to Belinda's super or something to that effect? She's gone outside, so she's just yep. She's got just under a $100. 65. She's just getting a pay review at the moment, so she'll probably settle around maybe 90. So What? Yeah. No. I think the only reason I asked is, like, obviously, because I'm on a straight p a y g salary now. I didn't think there was any benefit to it. It was when the guys that were with the previous company who had the family trust and stuff set up and were getting paid the fully frank dividends and stuff, they were tapping out their misses as super as well as their own, you know, with the view. That and I think also, like, I can't even remember how long ago it was now, Tommy. You probably remember, like, wasn't it at one stage that when you retired, you could only draw out a maximum of, like, 180 or 250,000 tax free each. So the idea was that if you both didn't have that much, like, there was no point you having a million and your missus only having a 100,000 to try and top her up to the point you could draw that tax free income out of both, but that's all gone now anyways. So Yep. Yep. Yep. Yep. Yes. Did you get that link that I sent you? Yes. Yep. No. No. This is only just this is something that we've looked at more so in the last, like, few weeks to a month. So that's basically 8. Eight hours south of here. Has a little shearing shared on it. Runs a couple of yes. Yep. Exactly. Yep. Paws picking, hunting, bow hunting, all that stuff. But I think for all intents and purposes for the meeting the requirements, you know, it would something like that where, you know, there's no there's no dwelling, so you're not worried about trying to, like, lease it back or anything like that. You could, if you needed to, adjust to someone to run their sheep on it, you know, so you were generating a little bit of income from it, and that's just somewhere you can get away to. That's right. Yeah. Yeah. Yeah. Yep. So, yeah, that's the sort of thing, I guess, that is starting to become at the forefront of our mind. And, you know, whilst whilst we're excited with what's happening with Infiniti and all that, like Belinda said to me, she got, you know, their idea of the SMSF is purely just because they wanna get you into more properties that they sell you, and it's just accessing more capital for them to sell you more property. That's fine. And I understand their theory, and that's great. But the rapid repay and us paying this place off is a completely separate entity or a completely separate goal to just us buying a million dollar property in our SMSF. If we can actually use that to direct us more towards what we call contentment, I think we're in a much better headspace than just having a million dollar property on the Gold Coast. Oh, and that and, yeah, if Belinda was in here now and she heard you say that, I think that would be it. Like, if we can work out a way between us and you and Chris, because he said they can do the accounting and auditing and everything like that, to say, well, this is what we wanna do. We know what the super balance is, and then we relook at whether we're going to, you know, pay that like, if we were gonna buy that, would we buy it with $500,000 or would we buy it with a 50% deposit and then borrow the rest knowing that our contributions or part of our contributions could then make the repayments because they're not gonna be fuck all on 250,000, let's say, to the point that it's owned and then the SMSF trust or the Bear trust owns it, and then that's it. Then you just keep stacking into our all of our rest of our portfolios and leave that just sitting there. You know? If that means when you do get to retirement or you're getting close to retirement, you might not want that anymore and you might sell that out of the SMSF or whatever you need to do. But if it could get us into something as an interim movement, mate, I think that would scratch so many itches for us. But I would only think it would be either adjusting it to one of the neighboring farms for for sheep. So it's obviously set up to run sheep. Secondly, the property that it shares a boundary with is actually a bow hunting, fishing adventure property. They have a hut on their property, and they charge $380 a night for a minimum of three people to go out there and just it's just an adventure property. So they actually share a driveway with that block. So there's potential to do one or two things with it is run it as a little sheep farm and someone can put their sheep on it and pay you a monthly fee to have their sheep on there. You could put you could set up a company and put your own sheep on there, and, like, you could do wool. It's obviously got a a shearing shed. You could do meat animals, or you could set it up so that it was somewhere that people can go and camp and bow hunt, and they pay you for that privilege. You know what I mean? Like, because a lot of those areas in the New England that are sort of 500, 1,000, 2,000 acres, you go down, you pay a 100 or $200 a night to camp there. If they shoot a deer, it might be $200. If they shoot a goat, it might be $50. Like, you are giving someone an opportunity to do something, but it's generating an income through just having the space. The other thing that Belinda said, and I quickly looked into it, but realized it was it's possible, but it's very, very difficult is using SMSF to buy farms for carbon credits. The so the big the big thing, like, a lot of the farms that we visit up in the up in Cape York, there's a lot of them in the Riverina area. What happened was in the drought, when farmers had to sell their farms, super companies were buying them up, like snapping them all up and basically destocking them and making, let's say, it was four existing farms, then they would stock proof fence it, destock it to take all the existing stock off, and make it like one ten thousand acre property or something like that. And then they just use it as carbon credits. So then they would use that to offset their developments they're doing in Melbourne or Sydney and places like that. A lot of the really big properties up in Cape York are all just carbon credit properties. So they once were like, one of the ones I go bow hunting on is 600,000 acres, and it used to be a huge, big, you know, thriving cattle property. They've just destocked it completely, and now it just is an overgrown 600,000 acres, and I'll make more money from carbon credits on that block than what he makes from cattle farming. The only thing I looked into it briefly was that if you do do carbon credits, you have to lock in for twenty five or a hundred years. So that's where it's met with very significant, I guess, complexity. So we looked into that very briefly, but if we can do it any other way, as in adjusting farm, like, you know, planning for whatever, that would be ideal for us. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yep. So there's a guy up here guy up here that I met, and he has bought his farm, which is 600 acres up here in his super. So that's in one trust. Then his business or his other trust, it leases the farm off the super fund at market rates. So he basically is leasing the farm back off his Superfund to farm his cattle and all that, but they're two completely separate companies and all that stuff. He was the first guy that I've met that's actually kind of, I guess, doing it in that way up here. There's another guy I met that he owns his farm in their trust, but his SMSF is so they've got a lease to buy the farm next door. So the SMSF is leasing the farm next door, but with an agreement off the property owner that once the once it's paid out, they'll transfer the title kind of thing. So they'll, like, live next door to them for years and years, and that's what they're doing. So, yeah, I don't know. There's probably a whole bunch of ways that people are trying to get around it or whatever, but I think for us yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Exactly. Yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Alex say that that property is just an example if we can massage what that looks like. If it's half 1,000,000 or 600,000, you can look at alternatives. You know what I mean? But I think it's becoming more in line with what we are thinking, I guess. So Yep. Well, longer than I am. Yep. Yep. Yep. Yep. How is Chevy. Yep. Yes. Yes. Well, we will we will try and get down there, obviously, again, when we for tax and stuff like that, and we'll try and tie that in and come down to stay for a night or two. Chris is really good with that. He's like, book yourself business class flights, come down, book yourself a nice accommodation. You've got to see your account and then your financial planner. So it's all tax deductible, and then we can go from there. So I guess summarize where we're at with exactly what we're looking at here. So we've got the statement of advice, which I'm all for with what we've been through for those changes to Alfiniti and and the inflation bonds or ETF and the other one. They're really the only changes in that statement of advice is those three. Yep. Yes. Yes. Yes. So if we wanted to look more intently into, say, doing something with a block like that one that I've sent you or something like that, what's the next steps with you guys through Oakview or through Chris to actually start looking at what that would look like. Yep. Yes. Yes. Yes. Yeah. Yes. Yes. Yes. Yes. Yes. So can you potentially have it then like, so if I got all my super going into the SMSF and then say the q super was going in there and whatnot or what, Could Kyle then potentially split his super to have half of it going into his o q stuff and then half going into the SMSF? Yes. Yeah. Yeah. Mhmm. Yep. Yeah. So if there was no loan on the on the property, then what does that look like then? Yep. Yeah. Yep. The only thing that would do is you would go from where we sit now and where you project you're gonna be Yeah. To owning that now Yeah. But what that would look like for retirement Yeah. That you weren't in here before when Tommy was just talking to me, like, there there's a lot of ways to make it work, whether we put in 50 percent and then borrow 50% or yeah. So we're throwing around ideas of Yeah. The last idea. Income and I just flipped you through, Tommy. This is the worksheet. You'll get another email there now that New Haven basically sent through when they were explaining how the SMSF structure worked, which was very in line with the very quick synopsis that you gave me about the cash managed account. So this was their proposal if we were to do not use all of the super balance. So using 412,000 borrowing 650,000 and buying a million dollar property, what that would look like from rent, Belinda's contributions, my contributions, the earnings on the property, then the expenses, and what that would look like in a per year sort of scenario. So it'd be interesting to see what your thoughts are on on those kind of figures and whatnot, but that was the they gave us two proposals. One was buying one property worth a million dollars or, yeah, just throwing around figures, I think, before they went through, like, a statement of advice so that we had something to look at. And the other one was buying one property. So putting in 820,000, borrowing 1.3 and buying a $2,000,000 property and basically only leaving us with 120,000 in the SMSF trust balance and all that sort of stuff or having two $1,000,000 properties essentially rather than one $2,000,000 property or whatever. But I much more think, you know, after our discussions that having a strong fund that you guys are carefully managing and being able to look at something else that can tickle that itch Look outside the box. Is probably It's way more gonna be more closely aligned for us. 100%. Yep. Yeah. Yes. Yep. Yep. And he did explain that really well about the the way that when they were first sort of out, you know, not having that bare trust just meant that there was more risk and all that stuff. Whereas when the bare trust owns the property and it's got no link to the SMSF trust, even if something happens and the property goes down or anything like that, they can't come to what's in your SMSF trust portfolio balance to try and make up the shortfall of what's happened with the property that's owned by the Bear Trust. Yep. Yes. Yep. Yes. Yes. What's your thoughts on the ground with the government reducing the capital gains discount tax? Because when I spoke to Chris yesterday afternoon, he was like, it's a 100% gonna happen. They've already passed the legislation through the lower house, and it was either a proposal to reduce it to 25% or 33% depending on properties. What's your thoughts on on how that's gonna work? Yep. Yep. Yep. Yes. Yep. Yep. Yeah. Fair enough. Yep. Yep. Interesting. Interesting. Alright. Well, we'll get I'll get this statement of advice signed off and back to you, but we would probably like to stay in close contact even if you wanna have a yarn as heavy about what we've spoken about and sort of see what his thoughts are around, you know, what what or even if you can have a think about what you would recommend it would look like. If we just use that property as an example, would we look at withdrawing 50% and borrowing 50%? Would we look at withdrawing 70% and borrowing 30%? Would we look at buying it outright? You know, and what would that look like from an actual making something happen point of view? And then we can sort of just continue. So we're coming down to the Gold Coast this weekend for the first Infinity Real Estate Masterclass event at the Star, which is basically where I think they're going to encourage us to buy our first investment property with the equity release that we've got sitting there. But with the SMSF side, and I've said this to Binrock from the start, I have a very high level of comfortability for what you guys have done for me and the working relationship that we have with the way we can talk and our super is managed and all that stuff, that if we can do something without outsourcing that from our little circle that we have, that would make me feel incredibly more comfortable than just, you know, because they see all they see is dollar signs. When they see a 43 year old with nearly a million dollars in super, they're like, fucking, let's go. We're gonna buy five or 10 investment prop you know, in our SMSF or we're gonna buy a million dollar properties or whatever. Whereas yeah. Yeah. So, you know, because they're like our friends that have done it, I think they had a combined super of 250,000, and they bought an investment property with theirs. Now that's a husband and wife of 40 years old. So, you know, when they saw ours, they're like, holy shit. Like, we can do and I'm like, yeah. But we've worked, you know, I feel worked really hard to get that from what it was to where we are now and not just willing to even when I said possibly doing half and keeping half, they're kinda like, oh, you but it'd be much better if you did the whole lot. I'm like, yeah. But hang on a sec. Like, we have a good thing going here, and I'm not just gonna throw that away. So yeah. Yep. Yep. Yep. Well, yeah, we'll get this part signed, and then I guess our idea is to do something like that. So if we can start spitballing amongst the three of us or the three of you guys, and you guys can have a think about what that would look like and the way to sort of do something like that, that would be ideal. But for right now, I appreciate that I've got my own custom super portfolio that's the only one in Australia. And I agree, not only the pretty photo on the front, but the figures that are within it and the work that's gone into it is a work of art. So let's just get it all signed off and start looking at what comes next. Yep. Yep. Yep. Yes. Yep. Yep. Yep. Gotcha. Yep. Congratulations. How exciting. Is this your first? Oh my god. Right now, what hits you when you get a girl? Wait till they turn, I don't know, maybe, like, eleven or twelve, and then you'll know a whole different kind of world of cuisine when it comes to You and you were still allowed to go away for traditional Croatian cooking with the boys while you had a heavily pregnant wife. She must be very understanding. Yeah. Yes. Yes. Yeah. You would have had a food coma. Yep. Yep. Yeah. Roger. Alright, mate. Well, we will we won't hold you up too much longer, and we'll have a look at all this stuff. I'll get it all signed off on the iPad and sent back to you and then go from there. Thank you. Yep. Mhmm. Yep. Yeah. Yep. Sounds good. Yep. There's no changes to the fee structure or anything in that renewed service agreement? No. Yep. Yep. Alright, mate. Sounds good. Thanks for that. Thanks, Tommy. See you, mate. 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If you record your name and reason for calling, I'll see if this person is available. Thanks, Tommy. Please stay on the line. Hi, mate.\n\nHow are you? Good. Thank you, mate. I think it just automatically must have turned itself on with the latest update because it's not anything that I've done. But I did find it particularly useful for reducing the number of unwanted calls that come through, so I've left it in place.\n\nYeah. IPhone. Yeah. Yep. Mhmm.\n\n08/1983 and 457 Jim White Way, Baruah, Queensland 4680. Yep. Yep. Okay. Yep.\n\nI've got Belinda sitting here with me as well so that, you know, that we Yeah. How are you going? Yeah. That sounds just kinda reset over the dam. The Mia's got a old motorbike parked out the front, and we just put a new old motorbike together for her.\n\nSo she's been burning around all afternoon and just been over and fed the cows, I think. So, yeah, not terrible. I don't mind. This is fine. Just on speaker and, yeah, that's fine, mate.\n\nIf nothing's come through to either inbox or spam just as of yet, but I'll just do a manual send and receive. Okay. Yeah. Yeah. The Easter was pretty standard for us.\n\nWe usually try to get back to the South Coast where we used to live, and our friends down there have a a small farm, and they used to be our neighbors when we lived down there. So the girls are relatively all the same age. So we all drove down there together. So we did Gladstone to Dubbo. Dubbo and then Dubbo to Tumut and then spend a night with Belinda's family, and then we did Tumut to the South Coast.\n\nAnd then we had five days there. Then Belinda flew home from Murumbula. Me and the girls stayed for another five days and then drove home around two days ago. Yeah. So that's always good.\n\nJason and kids just being kids and, yeah, all that sort of stuff. Today, is it? No? What's that? Is that collapsed or is that open?\n\nOh, there's nothing right now. Okay. No. Except for the the fact that it's ridiculously expensive, but thank you to the Queensland government state taxpayers who finally have agreed to pay for my fuel. It wasn't too much of a burden for us, but There was no shortage.\n\nThere was no shortages. There was no yeah. Nothing. Yeah. Yeah.\n\nOh, yeah. Nothing. The ones come through from your address directly, but nothing nothing else has come through. Yep. Yep.\n\nYep. Yep. Yeah. I checked the other day. It was back to, like, 08:10, I think.\n\nSo I haven't 08:09 maybe. I haven't seen where it's at in the last maybe week, if not, maybe less than that. Yeah. Where is it? Okay.\n\nYep. Yeah. Yeah. And then you you might see I don't know. You you don't have visibility to QSuper, but I got a I gave QC accountancy authority to deduct the Div two nine three from super at the end of last year, but something happened and it slipped through the cracks, and they didn't do it.\n\nSo I got a reminder the other day, but they added another 3,900 or close enough to $4,000 to that as well. And I thought initially in the correspondence that I'd got that that was interest that was charged because the 4,500 wasn't paid on time. But digging a little deeper, Chris found that it was additional BCC contributions that hadn't been deducted or something. So they've done the div two nine three to come out of q super, and then they'll release the additional super, and I'll pay the tax on that so that I didn't go over the ECC again. So that'll be the next few days or something like that, but they're trying to take care of that.\n\nBut yeah. So we still we have got So the EBA has apparently gone through Fair Work, and it's and it's ready to be signed off. But they're holding off signing anything because GPC still have not provided any confirmation of those insurances, and they still haven't provided any clarification around there's a new set of medical standards coming in in Queensland that all pilots are gonna be tested to, And they didn't want to include anything about those medical standards in the EBA, so they said what we were gonna do was form a working group, which was gonna sit outside of the EA, and it was all gonna be discussed in a working group. But so far, they haven't committed any kind of time or personnel to that working group. So the delegates and staff are a little bit frustrated with like, also, we got a lot of the stuff we wanted in the EA.\n\nThere's a lot of those key factors that they haven't come to the party on. So I'm not sure if they're gonna put it out to the members for a vote or what the goal is, but, like, financially, it's not too bad. It's well, they can only go because we're a GOC, they can only go up in increment as what the government wages policy is. And so where that bit us in the ass is that the the port negotiated before the government changed in Queensland. So they negotiated their agreement under the old government wages policy, which was four and a half, four and a half, four or something like that.\n\nAnd then when the new government came in, they set the wages policy at two and a half, two and a half, three. So there was no way to bargain outside of that wages policy, which I think is what the teachers are going through at the moment as well. So, but we did get a couple of other things that they got through. So it'll end up being a pretty good package in another three years or something like that. But yeah.\n\nYeah. Oh, and, like, for me, I've been there for, you know, five days compared to a lot of people, like, nearly four years. There's guys that have been there for twenty years that are going, hang on a sec. If I've been paying 5 to $10,000 a year for these insurances, and you're telling me I've been covered this whole time, like, that's substantial. Okay.\n\nYeah. Yeah. Possibly. Yeah. Yes.\n\nSo I've got the PDF open here in front of me with the mountains or whatever it is there. The other top. Must be the other one. This one's, like, grass house mountains. Oh, yep.\n\nGot the beachfront one now. Yep. Okay. Yep. Yep.\n\nYep. Yep. Yep. Yep. Okay.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Yep. And from my understanding, once the new EA is in force, there will no longer be legislative requirements for us to have QSuper at all. So the 12.75% will be paid regardless whether you have QSuper or not. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. They'll I mean, there'll be a few changes in the assets and stuff like we sold Belinda's Purrado.\n\nShe's got a little BMW now, so we don't have as much in the Asset value. Assets. Home and contents and stuff, I think, would still be the same. The house value was I don't know what we put in there, but 1.7 it was 1.6 bank valuation and 1.7 to 1.8 real estate valuation. Same.\n\nSo that's probably still right. The personal loan, I think it's probably a little bit less than that now, but it's, yeah, right around. And we have taken out so the mortgage will be at 1.28, but that's with a $180,000 basically line of credit sitting there ready to if we decide to purchase a Equity release. Investment property. So we did an equity release of 180 k, which is sitting there in a phone account at the moment waiting to decide if we do a investment property with Infinity or not.\n\nYep. Correct. Correct. Yep. Yep.\n\nYeah. Yeah. Yeah. I think we're paying about $27 a month on it or something like that. Well, it is only because they I didn't see it sitting it was sitting there for, like, forty eight hours or something before I moved the money back into the loan.\n\nBut Yeah. Yeah. And moving forward, while we don't spend it, we shouldn't be paying anything on it. Yeah. Mhmm.\n\nYep. Well, we we think differently about it all the time, but I guess the latest iteration that we've sort of had with it is that we're very content with what we have here. And I guess as we get older, like, Belinda's put it to me is that, you know, do we really want to necessarily start working harder and and learning how to run a farm and all that stuff as we get older? Or is it more that we just want somewhere that we can go where we've got space and we can go boat hunting and we can camp and all that stuff, and we've just got that available to us. So we've started kind of more thinking that that's probably the line we wanna go down.\n\nAnd I think as we've had these SMSF discussions with, you know, not only, like, you guys in a adviser type role, but talking to more people that we've met up here that have done it and stuff is that, you know, we've put ourselves in a good position with our super and and the projections and all that sort of stuff is, you know, do we look at buying a small well, there's, like, say, 500 acres down at the New England area, which is a a sheep farm that has plenty of deer on it and all that stuff, 550 acres for $500,000. And, you know, that's a 88 and a half hour drive from here. And just having something that we can escape to, but we're not shackled to from a living and working arrangement kind of thing. So as much as I think initially, we we kinda you know, and that's still not off the cards down the track. You know, it might be that we find that that's exactly what we do want, and we do want that for the girls later on.\n\nBut at the moment, I don't think either of them would be particularly interested in, you know, all of a sudden taking on a a farming a proper farming role outside of a hobby farm, but having somewhere we can go that has a shack on it or something like that that we can get away to. I think it's probably more leaning that way. I've got a link to a property here. And I guess having that initial discussion with the New Haven guy, but also then having a discussion with Chris from QC Accountants, having the discussions with you, It's something that I didn't really know a lot about or know what the possibilities were with it. And I think it's probably changed our thinking a little bit as well.\n\nSo, yeah, that's probably the, I guess, the biggest change to the goals, if you will, is to try and maybe get into something sooner, but have it as somewhere as just that we can escape to but continue to live here and try and pay our mortgage out here. We want financial in terms of paying this place off, definitely, but lifestyle as in we want somewhere to escape to as well. Like, we want the best of both worlds, I guess, you could put it down to. What we have here is pretty special, and I think it would be very selfish of us right now to look to move away from that. And like I keep saying to Carlos, yeah, I don't physically wanna buy us a job for retirement.\n\nI wanna retire and enjoy retirement. If we wanna go traveling, we can just lock up and go kinda thing where if we buy ourselves a farm at the age of 50, we kinda can't do that. So I guess we're looking at it from different perspectives as much as I would love that 100%. I don't love the idea of it being something that we're tied to, and it's gonna restrict us with the other things that we wanna do as well. Yeah.\n\nYeah. Yeah. So yeah. And I think it is more we're looking for something that will be a lifestyle thing where Kyle can go hunting on it, and we can go camp camping and take the motorbikes out there, and and Mia can ride around in on it and bring friends and fishing or shooting or whatever it is. You know?\n\nAnd and that sort of block is not necessarily the best farming block. It's more just to have somewhere to go to escape to. And yeah. I don't know. I think it's and trying to look at how we can do that in a quicker time frame, like, I guess, is like, you know, whilst we're not old yet, we're also not young, and I wanna have that place to enjoy before we are too old to enjoy it, if that makes sense.\n\nSo looking at what options Yeah. I think we have some pretty frank discussions with our friends when we go back to the South Coast. They're probably our two closest friends. And, you know, when you're sitting around the fire and you have conversations like, oh, if someone turned around and gave you a million dollars now, like, is that life changing? It's life changing in the sense that you would pay your house out or something like that.\n\nThen you go, well, if someone gave you 5,000,000, like, what, like, what would you actually do with it? Like, because if you can't even put down on paper what you're doing it for, then none of the goals are realistic anyway. Because if you turned around to me tomorrow and said someone's given you $2,000,000 what are you gonna do? Well, we would pay this house out and we'd probably look for a lifestyle block. And I think when you start thinking about it at a base level like that, that's when things start to become quite clear.\n\nLike, it's easy to write down, I wanna retire with $3,000,000 Yeah. But what for? Like like, is it just to make sure the girls are well set up? Yeah. But I still have a lot of living that I wanna do between now and then, and I wanna think about, well, how can we get the Infiniti stuff we're doing now?\n\nWe want a rapid repay. We with that structure, like you said, there's a lot of people who can't do it. We've only done it now for six weeks. Six weeks? Eight weeks?\n\nSix weeks? How long? Yeah. A month. Well, yeah, six weeks.\n\nYeah. And for the first time in twelve months or longer, we've put an extra $6,000 into the mortgage, like, which we haven't even considered that since we've been here. So that side of things, I think, is finally starting to tick over in a structured way. And then it's about like, well, okay, how do we look and you know, because obviously it was Infiniti that made us go to New Haven and talk about the SMSF, and it's probably not gonna be anywhere nearly in line with their process. But their process for us is primarily the rapid repay and the mortgage reduction, whether or not we invest in a $1,000,000 house on the Gold Coast in our SMSF or whether we go well, actually, it's probably more important to us to look for one of these.\n\nLike, as long as it passes all the requirements, the arms, legs requirements, and the genuine business and all that sort of stuff, it would probably be more in line with our values. And, you know, you would probably agree from the conversations that we've had, it would mean more to us if we've got our super still getting invested, making smart decisions, building and all that, but we've managed to acquire something that we can actually then access, but it's sitting there as a little sheep farm or something like that meeting all the legislative requirements. But it starts to then we start to look and go, hey. We've actually now sort of got everything we want in life, and we can really just dial in. So Yep.\n\nYes. Yes. Yes. Yeah. Yeah.\n\nSo, yeah, in a long winded way, that's probably the main ways that I I think our goals are probably shifting and becoming more realistic, but also more solidified or the scope changed slightly as we've probably got a little more educated, I guess, is one way to put it. Can you talk to Tommy for a sec while I get this thing? Yeah. Yeah. Yep.\n\nAbsolutely. Yep. Yes. Yeah. Yeah.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yeah. No. That I'm just gonna get a quick snapshot now. So there's 72,000 in q super.\n\nSo we can roll over 55 even if you want. That'll leave $15.16. We can roll over 58. Okay. Yep.\n\nYep. That's fine. Yes. $71.08 $6.08 or something. I just I just looked at sorry.\n\n71628 as of today. You see so we're looking at 19? Yep. Yep. Lots of red.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Okay. Yes.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yes. Yep. Infinity Investment Management or sustainable share fund? Australian share fund.\n\nYep. Yep. Yeah. I got the blue website. And Yeah.\n\nOur funds, Australian share fund or concentrated fund. Yep. Yep. Fund overview, video overview, fund performance and characteristics, form benchmark. Yeah.\n\nFive years. 0.9%. So slightly lower management fee. Yeah. Yep.\n\nNo. Yes. Yes. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nYep. But that is that shared government inflation one, the one that you were saying you were comparing it to the inflation bonds that you could get in The UK that you couldn't find a product the same in Australia? Is that what you found? Yeah. That's the other BlackRock BlackRock ones.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. 90. Yes. That's I mean, five years, months, and then ten years.\n\nYep. So ten years is 53. We're at 1.6. Yep. Yep.\n\nYep. Yep. And you'd rather like, I remember saying right at the start. It's all well and good. Like, I think if I went back right to the first statement of advice I got from Oakview when I very first come across, and that was in amongst all the super reviews and all that.\n\nLike, I remember some of the figures were like 3,400,000.0, you know, that projection and all this stuff. But without any projection, you've got no you've got nothing to base your decision making on. Whilst you understand they are projections, you would rather have a conservative projection and beat it than have an inflated projection and continuously fall below it. So Mhmm. Mhmm.\n\nMhmm. Yes. Mhmm. Yes. And, obviously, like, the other thing that you can't take into account is, like, as my salary continues to go up, then the contributions inherently have increased also, like, just with, like, by November 2027, if we just get the base level pay rises, our salary package will be 374,000 a year.\n\nThen with our LNG allowance on top of that, that'll take it to 427,000. That takes our super to 54 and a half thousand a year, which is a 482 and a half thousand package in three years, two and a half years. Yes. Yes. Yep.\n\nIs there is there any benefit to me contributing to Belinda's super or something to that effect? She's gone outside, so she's just yep. She's got just under a $100. 65. She's just getting a pay review at the moment, so she'll probably settle around maybe 90.\n\nSo What? Yeah. No. I think the only reason I asked is, like, obviously, because I'm on a straight p a y g salary now. I didn't think there was any benefit to it.\n\nIt was when the guys that were with the previous company who had the family trust and stuff set up and were getting paid the fully frank dividends and stuff, they were tapping out their misses as super as well as their own, you know, with the view. That and I think also, like, I can't even remember how long ago it was now, Tommy. You probably remember, like, wasn't it at one stage that when you retired, you could only draw out a maximum of, like, 180 or 250,000 tax free each. So the idea was that if you both didn't have that much, like, there was no point you having a million and your missus only having a 100,000 to try and top her up to the point you could draw that tax free income out of both, but that's all gone now anyways. So Yep.\n\nYep. Yep. Yep. Yes. Did you get that link that I sent you?\n\nYes. Yep. No. No. This is only just this is something that we've looked at more so in the last, like, few weeks to a month.\n\nSo that's basically 8. Eight hours south of here. Has a little shearing shared on it. Runs a couple of yes. Yep.\n\nExactly. Yep. Paws picking, hunting, bow hunting, all that stuff. But I think for all intents and purposes for the meeting the requirements, you know, it would something like that where, you know, there's no there's no dwelling, so you're not worried about trying to, like, lease it back or anything like that. You could, if you needed to, adjust to someone to run their sheep on it, you know, so you were generating a little bit of income from it, and that's just somewhere you can get away to.\n\nThat's right. Yeah. Yeah. Yeah. Yep.\n\nSo, yeah, that's the sort of thing, I guess, that is starting to become at the forefront of our mind. And, you know, whilst whilst we're excited with what's happening with Infiniti and all that, like Belinda said to me, she got, you know, their idea of the SMSF is purely just because they wanna get you into more properties that they sell you, and it's just accessing more capital for them to sell you more property. That's fine. And I understand their theory, and that's great. But the rapid repay and us paying this place off is a completely separate entity or a completely separate goal to just us buying a million dollar property in our SMSF.\n\nIf we can actually use that to direct us more towards what we call contentment, I think we're in a much better headspace than just having a million dollar property on the Gold Coast. Oh, and that and, yeah, if Belinda was in here now and she heard you say that, I think that would be it. Like, if we can work out a way between us and you and Chris, because he said they can do the accounting and auditing and everything like that, to say, well, this is what we wanna do. We know what the super balance is, and then we relook at whether we're going to, you know, pay that like, if we were gonna buy that, would we buy it with $500,000 or would we buy it with a 50% deposit and then borrow the rest knowing that our contributions or part of our contributions could then make the repayments because they're not gonna be fuck all on 250,000, let's say, to the point that it's owned and then the SMSF trust or the Bear trust owns it, and then that's it. Then you just keep stacking into our all of our rest of our portfolios and leave that just sitting there.\n\nYou know? If that means when you do get to retirement or you're getting close to retirement, you might not want that anymore and you might sell that out of the SMSF or whatever you need to do. But if it could get us into something as an interim movement, mate, I think that would scratch so many itches for us. But I would only think it would be either adjusting it to one of the neighboring farms for for sheep. So it's obviously set up to run sheep.\n\nSecondly, the property that it shares a boundary with is actually a bow hunting, fishing adventure property. They have a hut on their property, and they charge $380 a night for a minimum of three people to go out there and just it's just an adventure property. So they actually share a driveway with that block. So there's potential to do one or two things with it is run it as a little sheep farm and someone can put their sheep on it and pay you a monthly fee to have their sheep on there. You could put you could set up a company and put your own sheep on there, and, like, you could do wool.\n\nIt's obviously got a a shearing shed. You could do meat animals, or you could set it up so that it was somewhere that people can go and camp and bow hunt, and they pay you for that privilege. You know what I mean? Like, because a lot of those areas in the New England that are sort of 500, 1,000, 2,000 acres, you go down, you pay a 100 or $200 a night to camp there. If they shoot a deer, it might be $200.\n\nIf they shoot a goat, it might be $50. Like, you are giving someone an opportunity to do something, but it's generating an income through just having the space. The other thing that Belinda said, and I quickly looked into it, but realized it was it's possible, but it's very, very difficult is using SMSF to buy farms for carbon credits. The so the big the big thing, like, a lot of the farms that we visit up in the up in Cape York, there's a lot of them in the Riverina area. What happened was in the drought, when farmers had to sell their farms, super companies were buying them up, like snapping them all up and basically destocking them and making, let's say, it was four existing farms, then they would stock proof fence it, destock it to take all the existing stock off, and make it like one ten thousand acre property or something like that.\n\nAnd then they just use it as carbon credits. So then they would use that to offset their developments they're doing in Melbourne or Sydney and places like that. A lot of the really big properties up in Cape York are all just carbon credit properties. So they once were like, one of the ones I go bow hunting on is 600,000 acres, and it used to be a huge, big, you know, thriving cattle property. They've just destocked it completely, and now it just is an overgrown 600,000 acres, and I'll make more money from carbon credits on that block than what he makes from cattle farming.\n\nThe only thing I looked into it briefly was that if you do do carbon credits, you have to lock in for twenty five or a hundred years. So that's where it's met with very significant, I guess, complexity. So we looked into that very briefly, but if we can do it any other way, as in adjusting farm, like, you know, planning for whatever, that would be ideal for us. Yep. Yep.\n\nYep. Yep. Yep. Okay. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. So there's a guy up here guy up here that I met, and he has bought his farm, which is 600 acres up here in his super. So that's in one trust. Then his business or his other trust, it leases the farm off the super fund at market rates. So he basically is leasing the farm back off his Superfund to farm his cattle and all that, but they're two completely separate companies and all that stuff.\n\nHe was the first guy that I've met that's actually kind of, I guess, doing it in that way up here. There's another guy I met that he owns his farm in their trust, but his SMSF is so they've got a lease to buy the farm next door. So the SMSF is leasing the farm next door, but with an agreement off the property owner that once the once it's paid out, they'll transfer the title kind of thing. So they'll, like, live next door to them for years and years, and that's what they're doing. So, yeah, I don't know.\n\nThere's probably a whole bunch of ways that people are trying to get around it or whatever, but I think for us yeah. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yes. Exactly.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYep. Yep. Yep. Alex say that that property is just an example if we can massage what that looks like. If it's half 1,000,000 or 600,000, you can look at alternatives.\n\nYou know what I mean? But I think it's becoming more in line with what we are thinking, I guess. So Yep. Well, longer than I am. Yep.\n\nYep. Yep. Yep. How is Chevy. Yep.\n\nYes. Yes. Well, we will we will try and get down there, obviously, again, when we for tax and stuff like that, and we'll try and tie that in and come down to stay for a night or two. Chris is really good with that. He's like, book yourself business class flights, come down, book yourself a nice accommodation.\n\nYou've got to see your account and then your financial planner. So it's all tax deductible, and then we can go from there. So I guess summarize where we're at with exactly what we're looking at here. So we've got the statement of advice, which I'm all for with what we've been through for those changes to Alfiniti and and the inflation bonds or ETF and the other one. They're really the only changes in that statement of advice is those three.\n\nYep. Yes. Yes. Yes. So if we wanted to look more intently into, say, doing something with a block like that one that I've sent you or something like that, what's the next steps with you guys through Oakview or through Chris to actually start looking at what that would look like.\n\nYep. Yes. Yes. Yes. Yeah.\n\nYes. Yes. Yes. Yes. Yes.\n\nSo can you potentially have it then like, so if I got all my super going into the SMSF and then say the q super was going in there and whatnot or what, Could Kyle then potentially split his super to have half of it going into his o q stuff and then half going into the SMSF? Yes. Yeah. Yeah. Mhmm.\n\nYep. Yeah. So if there was no loan on the on the property, then what does that look like then? Yep. Yeah.\n\nYep. The only thing that would do is you would go from where we sit now and where you project you're gonna be Yeah. To owning that now Yeah. But what that would look like for retirement Yeah. That you weren't in here before when Tommy was just talking to me, like, there there's a lot of ways to make it work, whether we put in 50 percent and then borrow 50% or yeah.\n\nSo we're throwing around ideas of Yeah. The last idea. Income and I just flipped you through, Tommy. This is the worksheet. You'll get another email there now that New Haven basically sent through when they were explaining how the SMSF structure worked, which was very in line with the very quick synopsis that you gave me about the cash managed account.\n\nSo this was their proposal if we were to do not use all of the super balance. So using 412,000 borrowing 650,000 and buying a million dollar property, what that would look like from rent, Belinda's contributions, my contributions, the earnings on the property, then the expenses, and what that would look like in a per year sort of scenario. So it'd be interesting to see what your thoughts are on on those kind of figures and whatnot, but that was the they gave us two proposals. One was buying one property worth a million dollars or, yeah, just throwing around figures, I think, before they went through, like, a statement of advice so that we had something to look at. And the other one was buying one property.\n\nSo putting in 820,000, borrowing 1.3 and buying a $2,000,000 property and basically only leaving us with 120,000 in the SMSF trust balance and all that sort of stuff or having two $1,000,000 properties essentially rather than one $2,000,000 property or whatever. But I much more think, you know, after our discussions that having a strong fund that you guys are carefully managing and being able to look at something else that can tickle that itch Look outside the box. Is probably It's way more gonna be more closely aligned for us. 100%. Yep.\n\nYeah. Yes. Yep. Yep. And he did explain that really well about the the way that when they were first sort of out, you know, not having that bare trust just meant that there was more risk and all that stuff.\n\nWhereas when the bare trust owns the property and it's got no link to the SMSF trust, even if something happens and the property goes down or anything like that, they can't come to what's in your SMSF trust portfolio balance to try and make up the shortfall of what's happened with the property that's owned by the Bear Trust. Yep. Yes. Yep. Yes.\n\nYes. What's your thoughts on the ground with the government reducing the capital gains discount tax? Because when I spoke to Chris yesterday afternoon, he was like, it's a 100% gonna happen. They've already passed the legislation through the lower house, and it was either a proposal to reduce it to 25% or 33% depending on properties. What's your thoughts on on how that's gonna work?\n\nYep. Yep. Yep. Yes. Yep.\n\nYep. Yeah. Fair enough. Yep. Yep.\n\nInteresting. Interesting. Alright. Well, we'll get I'll get this statement of advice signed off and back to you, but we would probably like to stay in close contact even if you wanna have a yarn as heavy about what we've spoken about and sort of see what his thoughts are around, you know, what what or even if you can have a think about what you would recommend it would look like. If we just use that property as an example, would we look at withdrawing 50% and borrowing 50%?\n\nWould we look at withdrawing 70% and borrowing 30%? Would we look at buying it outright? You know, and what would that look like from an actual making something happen point of view? And then we can sort of just continue. So we're coming down to the Gold Coast this weekend for the first Infinity Real Estate Masterclass event at the Star, which is basically where I think they're going to encourage us to buy our first investment property with the equity release that we've got sitting there.\n\nBut with the SMSF side, and I've said this to Binrock from the start, I have a very high level of comfortability for what you guys have done for me and the working relationship that we have with the way we can talk and our super is managed and all that stuff, that if we can do something without outsourcing that from our little circle that we have, that would make me feel incredibly more comfortable than just, you know, because they see all they see is dollar signs. When they see a 43 year old with nearly a million dollars in super, they're like, fucking, let's go. We're gonna buy five or 10 investment prop you know, in our SMSF or we're gonna buy a million dollar properties or whatever. Whereas yeah. Yeah.\n\nSo, you know, because they're like our friends that have done it, I think they had a combined super of 250,000, and they bought an investment property with theirs. Now that's a husband and wife of 40 years old. So, you know, when they saw ours, they're like, holy shit. Like, we can do and I'm like, yeah. But we've worked, you know, I feel worked really hard to get that from what it was to where we are now and not just willing to even when I said possibly doing half and keeping half, they're kinda like, oh, you but it'd be much better if you did the whole lot.\n\nI'm like, yeah. But hang on a sec. Like, we have a good thing going here, and I'm not just gonna throw that away. So yeah. Yep.\n\nYep. Yep. Well, yeah, we'll get this part signed, and then I guess our idea is to do something like that. So if we can start spitballing amongst the three of us or the three of you guys, and you guys can have a think about what that would look like and the way to sort of do something like that, that would be ideal. But for right now, I appreciate that I've got my own custom super portfolio that's the only one in Australia.\n\nAnd I agree, not only the pretty photo on the front, but the figures that are within it and the work that's gone into it is a work of art. So let's just get it all signed off and start looking at what comes next. Yep. Yep. Yep.\n\nYes. Yep. Yep. Yep. Gotcha.\n\nYep. Congratulations. How exciting. Is this your first? Oh my god.\n\nRight now, what hits you when you get a girl? Wait till they turn, I don't know, maybe, like, eleven or twelve, and then you'll know a whole different kind of world of cuisine when it comes to You and you were still allowed to go away for traditional Croatian cooking with the boys while you had a heavily pregnant wife. She must be very understanding. Yeah. Yes.\n\nYes. Yeah. You would have had a food coma. Yep. Yep.\n\nYeah. Roger. Alright, mate. Well, we will we won't hold you up too much longer, and we'll have a look at all this stuff. I'll get it all signed off on the iPad and sent back to you and then go from there.\n\nThank you. Yep. Mhmm. Yep. Yeah.\n\nYep. Sounds good. Yep. There's no changes to the fee structure or anything in that renewed service agreement? No.\n\nYep. Yep. Alright, mate. Sounds good. Thanks for that.\n\nThanks, Tommy. See you, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.020726963877677917},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.013679949450306594},{"text":"Thanks, Tommy.","start":14.4,"end":15.38,"sentiment":"positive","sentiment_score":0.3464409410953522},{"text":"Please stay on the line.","start":15.775,"end":17.235,"sentiment":"neutral","sentiment_score":0.16991946697235108},{"text":"Hi, mate.","start":19.855,"end":20.414999,"sentiment":"neutral","sentiment_score":0.134645514190197}],"sentiment":"neutral","sentiment_score":0.07889909232751681,"num_words":26,"start":0.16,"end":20.414999},{"sentences":[{"text":"How are you?","start":20.414999,"end":21.235,"sentiment":"neutral","sentiment_score":0.15495912730693817},{"text":"Good.","start":23.935,"end":24.175,"sentiment":"positive","sentiment_score":0.5355215072631836},{"text":"Thank you, mate.","start":24.175,"end":25.075,"sentiment":"positive","sentiment_score":0.6416723926862081},{"text":"I think it just automatically must have turned itself on with the latest update because it's not anything that I've done.","start":30.25,"end":38.510002,"sentiment":"neutral","sentiment_score":0.16106011541116805},{"text":"But I did find it particularly useful for reducing the number of unwanted calls that come through, so I've left it in place.","start":39.21,"end":48.865,"sentiment":"neutral","sentiment_score":0.2793107236857}],"sentiment":"neutral","sentiment_score":0.24964363011075,"num_words":51,"start":20.414999,"end":48.865},{"sentences":[{"text":"Yeah.","start":56.420002,"end":56.74,"sentiment":"neutral","sentiment_score":0.03376900404691696},{"text":"IPhone.","start":56.74,"end":57.24,"sentiment":"neutral","sentiment_score":0.05842792987823486},{"text":"Yeah.","start":57.3,"end":57.8,"sentiment":"neutral","sentiment_score":0.25985240936279297},{"text":"Yep.","start":66.5,"end":67.0,"sentiment":"neutral","sentiment_score":0.11563394963741302},{"text":"Mhmm.","start":73.315,"end":73.815,"sentiment":"neutral","sentiment_score":0.01632372848689556}],"sentiment":"neutral","sentiment_score":0.09680140428245068,"num_words":5,"start":56.420002,"end":73.815},{"sentences":[{"text":"08/1983 and 457 Jim White Way, Baruah, Queensland 4680.","start":76.595,"end":83.815,"sentiment":"neutral","sentiment_score":0.01425166598831614},{"text":"Yep.","start":88.03,"end":88.53,"sentiment":"neutral","sentiment_score":0.04557962343096733},{"text":"Yep.","start":95.31,"end":95.81,"sentiment":"neutral","sentiment_score":0.011426124721765518},{"text":"Okay.","start":98.99,"end":99.49,"sentiment":"neutral","sentiment_score":0.044131528586149216},{"text":"Yep.","start":102.755,"end":103.255,"sentiment":"neutral","sentiment_score":0.0661713108420372}],"sentiment":"neutral","sentiment_score":0.02273642934428958,"num_words":13,"start":76.595,"end":103.255},{"sentences":[{"text":"I've got Belinda sitting here with me as well so that, you know, that we Yeah.","start":103.395,"end":109.395,"sentiment":"neutral","sentiment_score":0.07074932684190571},{"text":"How are you going?","start":110.115,"end":111.015,"sentiment":"neutral","sentiment_score":0.10116015188395977},{"text":"Yeah.","start":122.28999,"end":122.77,"sentiment":"neutral","sentiment_score":-0.025337688624858856},{"text":"That sounds just kinda reset over the dam.","start":122.77,"end":125.11,"sentiment":"neutral","sentiment_score":-0.07142393896356225},{"text":"The Mia's got a old motorbike parked out the front, and we just put a new old motorbike together for her.","start":125.65501,"end":134.215,"sentiment":"neutral","sentiment_score":0.04355458454007194}],"sentiment":"neutral","sentiment_score":0.03709093824028969,"num_words":50,"start":103.395,"end":134.215},{"sentences":[{"text":"So she's been burning around all afternoon and just been over and fed the cows, I think.","start":134.215,"end":139.015,"sentiment":"neutral","sentiment_score":-0.07035024683265124},{"text":"So, yeah, not terrible.","start":139.015,"end":141.22,"sentiment":"neutral","sentiment_score":0.16422514244914055},{"text":"I don't mind.","start":150.32,"end":151.04001,"sentiment":"neutral","sentiment_score":0.08352598547935486},{"text":"This is fine.","start":151.04001,"end":151.76001,"sentiment":"neutral","sentiment_score":0.2238252560297648},{"text":"Just on speaker and, yeah, that's fine, mate.","start":151.76001,"end":154.995,"sentiment":"neutral","sentiment_score":0.2091555818915367}],"sentiment":"neutral","sentiment_score":0.05874985009431839,"num_words":35,"start":134.215,"end":154.995},{"sentences":[{"text":"If nothing's come through to either inbox or spam just as of yet, but I'll just do a manual send and receive.","start":155.135,"end":168.95,"sentiment":"neutral","sentiment_score":0.039323567116463724},{"text":"Okay.","start":185.625,"end":186.125,"sentiment":"neutral","sentiment_score":0.03589262068271637},{"text":"Yeah.","start":201.8,"end":202.3,"sentiment":"neutral","sentiment_score":0.05930448696017265},{"text":"Yeah.","start":212.615,"end":213.115,"sentiment":"neutral","sentiment_score":0.15708747506141665},{"text":"The Easter was pretty standard for us.","start":213.415,"end":217.415,"sentiment":"neutral","sentiment_score":0.21155097654887609}],"sentiment":"neutral","sentiment_score":0.081195621722145,"num_words":32,"start":155.135,"end":217.415},{"sentences":[{"text":"We usually try to get back to the South Coast where we used to live, and our friends down there have a a small farm, and they used to be our neighbors when we lived down there.","start":217.415,"end":228.43,"sentiment":"neutral","sentiment_score":0.1245669041936462},{"text":"So the girls are relatively all the same age.","start":228.43,"end":231.41,"sentiment":"neutral","sentiment_score":0.14531637148724663},{"text":"So we all drove down there together.","start":231.55,"end":235.115,"sentiment":"neutral","sentiment_score":0.1303347423672676},{"text":"So we did Gladstone to Dubbo.","start":235.575,"end":238.295,"sentiment":"neutral","sentiment_score":0.16443847864866257},{"text":"Dubbo and then Dubbo to Tumut and then spend a night with Belinda's family, and then we did Tumut to the South Coast.","start":238.375,"end":245.095,"sentiment":"neutral","sentiment_score":0.1538303601353065}],"sentiment":"neutral","sentiment_score":0.13846213597713447,"num_words":82,"start":217.415,"end":245.095},{"sentences":[{"text":"And then we had five days there.","start":245.095,"end":247.59,"sentiment":"neutral","sentiment_score":0.12088572021041598},{"text":"Then Belinda flew home from Murumbula.","start":247.59,"end":249.53,"sentiment":"neutral","sentiment_score":0.12395107746124268},{"text":"Me and the girls stayed for another five days and then drove home around two days ago.","start":250.06999,"end":254.65,"sentiment":"neutral","sentiment_score":0.16606382061453426},{"text":"Yeah.","start":254.70999,"end":255.20999,"sentiment":"neutral","sentiment_score":0.3331272602081299},{"text":"So that's always good.","start":256.31,"end":257.51,"sentiment":"positive","sentiment_score":0.5875654816627502}],"sentiment":"neutral","sentiment_score":0.20275373267275945,"num_words":35,"start":245.095,"end":257.51},{"sentences":[{"text":"Jason and kids just being kids and, yeah, all that sort of stuff.","start":257.51,"end":265.90503,"sentiment":"neutral","sentiment_score":0.10417515411973},{"text":"Today, is it?","start":265.96503,"end":267.265,"sentiment":"neutral","sentiment_score":0.014815536638100943},{"text":"No?","start":267.725,"end":268.225,"sentiment":"neutral","sentiment_score":-0.08779726922512054},{"text":"What's that?","start":268.765,"end":269.505,"sentiment":"neutral","sentiment_score":-0.05097418464720249},{"text":"Is that collapsed or is that open?","start":269.64502,"end":271.74503,"sentiment":"neutral","sentiment_score":-0.09208931348153523}],"sentiment":"neutral","sentiment_score":0.02170587617617387,"num_words":26,"start":257.51,"end":271.74503},{"sentences":[{"text":"Oh, there's nothing right now.","start":271.90997,"end":273.37,"sentiment":"neutral","sentiment_score":-0.10557806640863418},{"text":"Okay.","start":273.50998,"end":274.00998,"sentiment":"neutral","sentiment_score":-0.020511779934167865},{"text":"No.","start":280.15,"end":280.65,"sentiment":"neutral","sentiment_score":-0.1223798543214798},{"text":"Except for the the fact that it's ridiculously expensive, but thank you to the Queensland government state taxpayers who finally have agreed to pay for my fuel.","start":281.50998,"end":293.88498,"sentiment":"neutral","sentiment_score":0.14129589856774719},{"text":"It wasn't too much of a burden for us, but There was no shortage.","start":295.22498,"end":302.96997,"sentiment":"neutral","sentiment_score":0.11256509966083936}],"sentiment":"neutral","sentiment_score":0.09833580604754388,"num_words":48,"start":271.90997,"end":302.96997},{"sentences":[{"text":"There was no shortages.","start":302.96997,"end":304.03,"sentiment":"neutral","sentiment_score":0.1628685276955366},{"text":"There was no yeah.","start":304.25,"end":305.28998,"sentiment":"neutral","sentiment_score":0.012678312137722969},{"text":"Nothing.","start":305.28998,"end":305.78998,"sentiment":"neutral","sentiment_score":0.09392847120761871},{"text":"Yeah.","start":308.33,"end":308.81,"sentiment":"neutral","sentiment_score":0.0033681001514196396},{"text":"Yeah.","start":308.81,"end":309.31,"sentiment":"neutral","sentiment_score":-0.030956149101257324}],"sentiment":"neutral","sentiment_score":0.06986616196280176,"num_words":11,"start":302.96997,"end":309.31},{"sentences":[{"text":"Oh, yeah.","start":309.61,"end":310.33,"sentiment":"neutral","sentiment_score":-0.008732831571251154},{"text":"Nothing.","start":310.33,"end":310.83,"sentiment":"neutral","sentiment_score":-0.03825245052576065},{"text":"The ones come through from your address directly, but nothing nothing else has come through.","start":311.735,"end":320.155,"sentiment":"neutral","sentiment_score":-0.01956136766821146},{"text":"Yep.","start":324.935,"end":325.435,"sentiment":"neutral","sentiment_score":0.043351124972105026},{"text":"Yep.","start":328.67,"end":329.17,"sentiment":"neutral","sentiment_score":0.02804949507117271}],"sentiment":"neutral","sentiment_score":-0.013886900432407857,"num_words":20,"start":309.61,"end":329.17},{"sentences":[{"text":"Yep.","start":339.07,"end":339.57,"sentiment":"neutral","sentiment_score":0.15613049268722534},{"text":"Yep.","start":339.79,"end":340.29,"sentiment":"neutral","sentiment_score":0.1092793270945549},{"text":"Yeah.","start":348.79498,"end":349.29498,"sentiment":"neutral","sentiment_score":0.01948007382452488},{"text":"I checked the other day.","start":350.79498,"end":351.79498,"sentiment":"neutral","sentiment_score":-0.0006869770586490631},{"text":"It was back to, like, 08:10, I think.","start":351.79498,"end":354.175,"sentiment":"neutral","sentiment_score":-0.025593369733542204}],"sentiment":"neutral","sentiment_score":0.004794253152795136,"num_words":16,"start":339.07,"end":354.175},{"sentences":[{"text":"So I haven't 08:09 maybe.","start":355.35498,"end":357.88,"sentiment":"neutral","sentiment_score":-0.09807215481996537},{"text":"I haven't seen where it's at in the last maybe week, if not, maybe less than that.","start":357.88,"end":364.12,"sentiment":"neutral","sentiment_score":-0.19293029869303985},{"text":"Yeah.","start":364.12,"end":364.44,"sentiment":"neutral","sentiment_score":-0.021861068904399872},{"text":"Where is it?","start":364.44,"end":365.26,"sentiment":"neutral","sentiment_score":-0.03564796224236488},{"text":"Okay.","start":378.645,"end":379.145,"sentiment":"neutral","sentiment_score":0.012730121612548828}],"sentiment":"neutral","sentiment_score":-0.14393521058890554,"num_words":27,"start":355.35498,"end":379.145},{"sentences":[{"text":"Yep.","start":381.76498,"end":381.925,"sentiment":"neutral","sentiment_score":0.041622936725616455},{"text":"Yeah.","start":381.925,"end":382.425,"sentiment":"neutral","sentiment_score":0.017978111281991005},{"text":"Yeah.","start":383.04498,"end":383.54498,"sentiment":"neutral","sentiment_score":0.005622021853923798},{"text":"And then you you might see I don't know.","start":385.92,"end":389.04,"sentiment":"neutral","sentiment_score":-0.05863583584626516},{"text":"You you don't have visibility to QSuper, but I got a I gave QC accountancy authority to deduct the Div two nine three from super at the end of last year, but something happened and it slipped through the cracks, and they didn't do it.","start":389.04,"end":406.26498,"sentiment":"neutral","sentiment_score":-0.27439416266149946}],"sentiment":"neutral","sentiment_score":-0.2247409960091637,"num_words":57,"start":381.76498,"end":406.26498},{"sentences":[{"text":"So I got a reminder the other day, but they added another 3,900 or close enough to $4,000 to that as well.","start":407.04498,"end":415.75998,"sentiment":"neutral","sentiment_score":-0.048716019754382694},{"text":"And I thought initially in the correspondence that I'd got that that was interest that was charged because the 4,500 wasn't paid on time.","start":416.22,"end":424.31998,"sentiment":"neutral","sentiment_score":-0.11063314710433285},{"text":"But digging a little deeper, Chris found that it was additional BCC contributions that hadn't been deducted or something.","start":424.755,"end":436.93503,"sentiment":"neutral","sentiment_score":-0.24684077658151327},{"text":"So they've done the div two nine three to come out of q super, and then they'll release the additional super, and I'll pay the tax on that so that I didn't go over the ECC again.","start":436.99503,"end":451.86002,"sentiment":"neutral","sentiment_score":-0.18945623571808273},{"text":"So that'll be the next few days or something like that, but they're trying to take care of that.","start":451.86002,"end":456.785,"sentiment":"neutral","sentiment_score":-0.2960209054382224}],"sentiment":"neutral","sentiment_score":-0.17397686483507807,"num_words":121,"start":407.04498,"end":456.785},{"sentences":[{"text":"But yeah.","start":456.785,"end":457.685,"sentiment":"neutral","sentiment_score":0.0007662996649742144},{"text":"So we still we have got So the EBA has apparently gone through Fair Work, and it's and it's ready to be signed off.","start":463.425,"end":471.86002,"sentiment":"neutral","sentiment_score":0.1709448571006457},{"text":"But they're holding off signing anything because GPC still have not provided any confirmation of those insurances, and they still haven't provided any clarification around there's a new set of medical standards coming in in Queensland that all pilots are gonna be tested to, And they didn't want to include anything about those medical standards in the EBA, so they said what we were gonna do was form a working group, which was gonna sit outside of the EA, and it was all gonna be discussed in a working group.","start":472.32,"end":510.975,"sentiment":"neutral","sentiment_score":-0.3302390548917982},{"text":"But so far, they haven't committed any kind of time or personnel to that working group.","start":510.975,"end":516.815,"sentiment":"negative","sentiment_score":-0.6324790585786104},{"text":"So the delegates and staff are a little bit frustrated with like, also, we got a lot of the stuff we wanted in the EA.","start":516.815,"end":524.95,"sentiment":"negative","sentiment_score":-0.6414225947856903}],"sentiment":"neutral","sentiment_score":-0.32976137310456316,"num_words":157,"start":456.785,"end":524.95},{"sentences":[{"text":"There's a lot of those key factors that they haven't come to the party on.","start":524.95,"end":529.27,"sentiment":"negative","sentiment_score":-0.4829218993584315},{"text":"So I'm not sure if they're gonna put it out to the members for a vote or what the goal is, but, like, financially, it's not too bad.","start":529.27,"end":536.15,"sentiment":"neutral","sentiment_score":0.03552674502134323},{"text":"It's well, they can only go because we're a GOC, they can only go up in increment as what the government wages policy is.","start":536.15,"end":543.925,"sentiment":"neutral","sentiment_score":0.16641662983844677},{"text":"And so where that bit us in the ass is that the the port negotiated before the government changed in Queensland.","start":544.065,"end":552.005,"sentiment":"neutral","sentiment_score":0.023798464398298944},{"text":"So they negotiated their agreement under the old government wages policy, which was four and a half, four and a half, four or something like that.","start":552.145,"end":560.33,"sentiment":"neutral","sentiment_score":0.01077709855655065}],"sentiment":"neutral","sentiment_score":-0.01293954560369776,"num_words":114,"start":524.95,"end":560.33},{"sentences":[{"text":"And then when the new government came in, they set the wages policy at two and a half, two and a half, three.","start":560.55,"end":566.89,"sentiment":"neutral","sentiment_score":-0.017773247526391693},{"text":"So there was no way to bargain outside of that wages policy, which I think is what the teachers are going through at the moment as well.","start":568.185,"end":577.805,"sentiment":"neutral","sentiment_score":-0.10043264235611316},{"text":"So, but we did get a couple of other things that they got through.","start":578.345,"end":583.24,"sentiment":"neutral","sentiment_score":0.2434442208281585},{"text":"So it'll end up being a pretty good package in another three years or something like that.","start":583.24,"end":587.95996,"sentiment":"neutral","sentiment_score":0.2998386231415412},{"text":"But yeah.","start":587.95996,"end":589.66,"sentiment":"neutral","sentiment_score":-0.04776930436491966}],"sentiment":"neutral","sentiment_score":0.06372856674154839,"num_words":83,"start":560.55,"end":589.66},{"sentences":[{"text":"Yeah.","start":600.915,"end":601.415,"sentiment":"neutral","sentiment_score":-0.09320295602083206},{"text":"Oh, and, like, for me, I've been there for, you know, five days compared to a lot of people, like, nearly four years.","start":612.84,"end":619.32,"sentiment":"neutral","sentiment_score":-0.13432695716619492},{"text":"There's guys that have been there for twenty years that are going, hang on a 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I've got the PDF open here in front of me with the mountains or whatever it is there.","start":659.805,"end":666.49005,"sentiment":"neutral","sentiment_score":0.11153393317210047},{"text":"The other top.","start":672.07,"end":672.95,"sentiment":"neutral","sentiment_score":0.06360112751523654},{"text":"Must be the other one.","start":672.95,"end":674.07,"sentiment":"neutral","sentiment_score":0.049927861988544465},{"text":"This one's, like, grass house mountains.","start":674.07,"end":676.25,"sentiment":"neutral","sentiment_score":0.05024053839345773},{"text":"Oh, yep.","start":679.34503,"end":679.825,"sentiment":"neutral","sentiment_score":0.1083064004778862}],"sentiment":"neutral","sentiment_score":0.08793267011642455,"num_words":35,"start":659.805,"end":679.825},{"sentences":[{"text":"Got the beachfront one 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I mean, there'll be a few changes in the assets and stuff like we sold Belinda's Purrado.","start":883.345,"end":889.88,"sentiment":"neutral","sentiment_score":-0.0006067432437299027}],"sentiment":"neutral","sentiment_score":0.01721257232235406,"num_words":22,"start":856.695,"end":889.88},{"sentences":[{"text":"She's got a little BMW now, so we don't have as much in the Asset value.","start":891.77997,"end":898.76,"sentiment":"neutral","sentiment_score":-0.03242509765550494},{"text":"Assets.","start":899.31,"end":899.81,"sentiment":"neutral","sentiment_score":-0.011296994984149933},{"text":"Home and contents and stuff, I think, would still be the same.","start":901.425,"end":904.405,"sentiment":"neutral","sentiment_score":0.0015831209408740203},{"text":"The house value was I don't know what we put in there, but 1.7 it was 1.6 bank valuation and 1.7 to 1.8 real estate valuation.","start":905.585,"end":915.86,"sentiment":"neutral","sentiment_score":-0.021173309355687637},{"text":"Same.","start":916.24,"end":916.74,"sentiment":"neutral","sentiment_score":0.023757509887218475}],"sentiment":"neutral","sentiment_score":-0.018533029277542874,"num_words":56,"start":891.77997,"end":916.74},{"sentences":[{"text":"So that's probably still right.","start":917.6,"end":919.3,"sentiment":"neutral","sentiment_score":0.024145988374948503},{"text":"The personal loan, I think it's probably a little bit less than that now, but it's, yeah, right around.","start":919.83997,"end":928.33997,"sentiment":"neutral","sentiment_score":-0.031680851978691},{"text":"And we have taken out so the mortgage will be at 1.28, but that's with a $180,000 basically line of credit sitting there ready to if we decide to purchase a Equity release.","start":928.63995,"end":943.005,"sentiment":"neutral","sentiment_score":0.03026783460694732},{"text":"Investment 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think we're paying about $27 a month on it or something like that.","start":965.945,"end":969.245,"sentiment":"neutral","sentiment_score":-0.03850494564643928},{"text":"Well, it is only because they I didn't see it sitting it was sitting there for, like, forty eight hours or something before I moved the money back into the loan.","start":969.305,"end":978.24,"sentiment":"neutral","sentiment_score":-0.09021552904478965}],"sentiment":"neutral","sentiment_score":-0.07003920789187153,"num_words":48,"start":965.065,"end":978.24},{"sentences":[{"text":"But Yeah.","start":978.24,"end":978.72003,"sentiment":"neutral","sentiment_score":-0.024195004254579544},{"text":"Yeah.","start":978.72003,"end":979.22003,"sentiment":"neutral","sentiment_score":-0.01602204144001007},{"text":"And moving forward, while we don't spend it, we shouldn't be paying anything on it.","start":979.28,"end":983.44,"sentiment":"neutral","sentiment_score":-0.09855188466608525},{"text":"Yeah.","start":983.44,"end":983.94,"sentiment":"neutral","sentiment_score":-0.0018803533166646955},{"text":"Mhmm.","start":994.565,"end":995.065,"sentiment":"neutral","sentiment_score":0.0391349159181118}],"sentiment":"neutral","sentiment_score":-0.07527178786695003,"num_words":20,"start":978.24,"end":995.065},{"sentences":[{"text":"Yep.","start":1009.23004,"end":1009.73004,"sentiment":"neutral","sentiment_score":0.04459083080291748},{"text":"Well, we we think differently about it all the time, but I guess the latest iteration that we've sort of had with it is that we're very content with what we have here.","start":1016.19,"end":1030.025,"sentiment":"neutral","sentiment_score":0.2503296879656387},{"text":"And I guess as we get older, like, Belinda's put it to me is that, you know, do we really want to necessarily start working harder and and learning how to run a farm and all that stuff as we get older?","start":1031.34,"end":1046.615,"sentiment":"neutral","sentiment_score":0.029282007100326673},{"text":"Or is it more that we just want somewhere that we can go where we've got space and we can go boat hunting and we can camp and all that stuff, and we've just got that available to us.","start":1046.615,"end":1059.85,"sentiment":"neutral","sentiment_score":0.2585136510240726},{"text":"So we've started kind of more thinking that that's probably the line we wanna go down.","start":1059.91,"end":1064.5701,"sentiment":"neutral","sentiment_score":0.26599331200122833}],"sentiment":"neutral","sentiment_score":0.18223847491481832,"num_words":131,"start":1009.23004,"end":1064.5701},{"sentences":[{"text":"And I think as we've had these SMSF discussions with, you know, not only, like, you guys in a adviser type role, but talking to more people that we've met up here that have done it and stuff is that, you know, we've put ourselves in a good position with our super and and the projections and all that sort of stuff is, you know, do we look at buying a small well, there's, like, say, 500 acres down at the New England area, which is a a sheep farm that has plenty of deer on it and all that stuff, 550 acres for $500,000.","start":1065.51,"end":1105.6749,"sentiment":"neutral","sentiment_score":0.20476753736535708},{"text":"And, you know, that's a 88 and a half hour drive from here.","start":1105.735,"end":1109.995,"sentiment":"neutral","sentiment_score":0.0763837955892086},{"text":"And just having something that we can escape to, but we're not shackled to from a living and working arrangement kind of thing.","start":1110.375,"end":1119.65,"sentiment":"neutral","sentiment_score":0.000990149929471638},{"text":"So as much as I think initially, we we kinda you know, and that's still not off the cards down the track.","start":1119.65,"end":1127.025,"sentiment":"neutral","sentiment_score":-0.2519130920144645},{"text":"You know, it might be that we find that that's exactly what we do want, and we do want that for the girls later on.","start":1127.025,"end":1132.385,"sentiment":"positive","sentiment_score":0.40195336043834684}],"sentiment":"neutral","sentiment_score":0.14373989468638568,"num_words":188,"start":1065.51,"end":1132.385},{"sentences":[{"text":"But at the moment, I don't think either of them would be particularly interested in, you know, all of a sudden taking on a a farming a proper farming role outside of a hobby farm, but having somewhere we can go that has a shack on it or something like that that we can get away to.","start":1132.385,"end":1149.98,"sentiment":"neutral","sentiment_score":-0.2609164093931516},{"text":"I think it's probably more leaning that way.","start":1150.52,"end":1153.745,"sentiment":"neutral","sentiment_score":-0.09749893518164754},{"text":"I've got a link to a property here.","start":1155.3251,"end":1161.105,"sentiment":"neutral","sentiment_score":0.08747576363384724},{"text":"And I guess having that initial discussion with the New Haven guy, but also then having a discussion with Chris from QC Accountants, having the discussions with you, It's something that I didn't really know a lot about or know what the possibilities were with it.","start":1162.045,"end":1186.015,"sentiment":"neutral","sentiment_score":0.03563645457767922},{"text":"And I think it's probably changed our thinking a little bit as well.","start":1187.9149,"end":1192.815,"sentiment":"neutral","sentiment_score":0.1356909338098306}],"sentiment":"neutral","sentiment_score":-0.08749364892190153,"num_words":132,"start":1132.385,"end":1192.815},{"sentences":[{"text":"So, yeah, that's probably the, I guess, the biggest change to the goals, if you will, is to try and maybe get into something sooner, but have it as somewhere as just that we can escape to but continue to live here and try and pay our mortgage out here.","start":1195.2999,"end":1218.515,"sentiment":"neutral","sentiment_score":0.18007948920130729},{"text":"We want financial in terms of paying this place off, definitely, but lifestyle as in we want somewhere to escape to as well.","start":1237.9451,"end":1250.23,"sentiment":"neutral","sentiment_score":0.20854860447023227},{"text":"Like, we want the best of both worlds, I guess, you could put it down to.","start":1250.23,"end":1253.37,"sentiment":"neutral","sentiment_score":0.20901689026504755},{"text":"What we have here is pretty special, and I think it would be very selfish of us right now to look to move away from that.","start":1253.83,"end":1259.51,"sentiment":"negative","sentiment_score":-0.4523693019380936},{"text":"And like I keep saying to Carlos, yeah, I don't physically wanna buy us a job for retirement.","start":1259.51,"end":1265.585,"sentiment":"neutral","sentiment_score":-0.3193068587117725}],"sentiment":"neutral","sentiment_score":-0.0027388172938411395,"num_words":133,"start":1195.2999,"end":1265.585},{"sentences":[{"text":"I wanna retire and enjoy retirement.","start":1265.8049,"end":1267.885,"sentiment":"neutral","sentiment_score":0.06996141746640205},{"text":"If we wanna go traveling, we can just lock up and go kinda thing where if we buy ourselves a farm at the age of 50, we kinda can't do that.","start":1267.885,"end":1277.55,"sentiment":"neutral","sentiment_score":-0.23937214117857716},{"text":"So I guess we're looking at it from different perspectives as much as I would love that 100%.","start":1279.31,"end":1286.53,"sentiment":"neutral","sentiment_score":0.21718753543164995},{"text":"I don't love the idea of it being something that we're tied to, and it's gonna restrict us with the other things that we wanna do as well.","start":1287.0701,"end":1307.7849,"sentiment":"negative","sentiment_score":-0.47428926612649647},{"text":"Yeah.","start":1307.7849,"end":1308.2849,"sentiment":"neutral","sentiment_score":-0.1798166036605835}],"sentiment":"neutral","sentiment_score":-0.1970393843948841,"num_words":84,"start":1265.8049,"end":1308.2849},{"sentences":[{"text":"Yeah.","start":1310.31,"end":1310.81,"sentiment":"neutral","sentiment_score":-0.1297854483127594},{"text":"Yeah.","start":1311.91,"end":1312.31,"sentiment":"neutral","sentiment_score":0.026072438806295395},{"text":"So yeah.","start":1312.31,"end":1315.59,"sentiment":"neutral","sentiment_score":0.14347847923636436},{"text":"And I think it is more we're looking for something that will be a lifestyle thing where Kyle can go hunting on it, and we can go camp camping and take the motorbikes out there, and and Mia can ride around in on it and bring friends and fishing or shooting or whatever it is.","start":1315.59,"end":1330.9049,"sentiment":"positive","sentiment_score":0.36816270513968036},{"text":"You know?","start":1330.9049,"end":1331.6449,"sentiment":"neutral","sentiment_score":0.06143450364470482}],"sentiment":"positive","sentiment_score":0.33696822522849335,"num_words":61,"start":1310.31,"end":1331.6449},{"sentences":[{"text":"And and that sort of block is not necessarily the best farming block.","start":1332.985,"end":1338.2849,"sentiment":"neutral","sentiment_score":0.060625946579071194},{"text":"It's more just to have somewhere to go to escape to.","start":1339.02,"end":1344.7001,"sentiment":"neutral","sentiment_score":0.177740987051617},{"text":"And yeah.","start":1344.7001,"end":1347.76,"sentiment":"neutral","sentiment_score":0.05531594343483448},{"text":"I don't know.","start":1347.98,"end":1348.38,"sentiment":"neutral","sentiment_score":0.01199290363486701},{"text":"I think it's and trying to look at how we can do that in a quicker time frame, like, I guess, is like, you know, whilst we're not old yet, we're also not young, and I wanna have that place to enjoy before we are too old to enjoy it, if that makes sense.","start":1348.38,"end":1378.67,"sentiment":"neutral","sentiment_score":0.12665113277250417}],"sentiment":"neutral","sentiment_score":0.117217589525123,"num_words":83,"start":1332.985,"end":1378.67},{"sentences":[{"text":"So looking at what options Yeah.","start":1378.73,"end":1392.855,"sentiment":"neutral","sentiment_score":0.17095834761857986},{"text":"I think we have some pretty frank discussions with our friends when we go back to the South Coast.","start":1399.38,"end":1405.06,"sentiment":"neutral","sentiment_score":0.29230363431729767},{"text":"They're probably our two closest friends.","start":1405.06,"end":1407.6749,"sentiment":"neutral","sentiment_score":0.29535268743832904},{"text":"And, you know, when you're sitting around the fire and you have conversations like, oh, if someone turned around and gave you a million dollars now, like, is that life changing?","start":1407.6749,"end":1416.395,"sentiment":"neutral","sentiment_score":0.28590523667873874},{"text":"It's life changing in the sense that you would pay your house out or something like that.","start":1416.395,"end":1419.9,"sentiment":"neutral","sentiment_score":0.32885990072699156}],"sentiment":"neutral","sentiment_score":0.28867488495911225,"num_words":79,"start":1378.73,"end":1419.9},{"sentences":[{"text":"Then you go, well, if someone gave you 5,000,000, like, what, like, what would you actually do with it?","start":1419.98,"end":1425.98,"sentiment":"neutral","sentiment_score":0.019280626389541124},{"text":"Like, because if you can't even put down on paper what you're doing it for, then none of the goals are realistic anyway.","start":1425.98,"end":1436.345,"sentiment":"neutral","sentiment_score":-0.06728354809076889},{"text":"Because if you turned around to me tomorrow and said someone's given you $2,000,000 what are you gonna do?","start":1436.345,"end":1440.6649,"sentiment":"neutral","sentiment_score":0.020921627647782628},{"text":"Well, we would pay this house out and we'd probably look for a lifestyle block.","start":1440.6649,"end":1444.105,"sentiment":"neutral","sentiment_score":0.23477936734755833},{"text":"And I think when you start thinking about it at a base level like that, that's when things start to become quite clear.","start":1444.105,"end":1451.02,"sentiment":"neutral","sentiment_score":0.20996525883674622}],"sentiment":"neutral","sentiment_score":0.07643649175838389,"num_words":99,"start":1419.98,"end":1451.02},{"sentences":[{"text":"Like, it's easy to write down, I wanna retire with $3,000,000 Yeah.","start":1451.02,"end":1454.94,"sentiment":"neutral","sentiment_score":0.186976441492637},{"text":"But what for?","start":1454.94,"end":1455.98,"sentiment":"neutral","sentiment_score":0.018608195707201958},{"text":"Like like, is it just to make sure the girls are well set up?","start":1455.98,"end":1460.795,"sentiment":"neutral","sentiment_score":0.08362762151019913},{"text":"Yeah.","start":1460.795,"end":1461.115,"sentiment":"neutral","sentiment_score":0.08564306050539017},{"text":"But I still have a lot of living that I wanna do between now and then, and I wanna think about, well, how can we get the Infiniti stuff we're doing now?","start":1461.115,"end":1470.555,"sentiment":"neutral","sentiment_score":0.19972707028500736}],"sentiment":"neutral","sentiment_score":0.16043932090002683,"num_words":62,"start":1451.02,"end":1470.555},{"sentences":[{"text":"We want a rapid repay.","start":1470.555,"end":1471.935,"sentiment":"neutral","sentiment_score":0.1984061509370804},{"text":"We with that structure, like you said, there's a lot of people who can't do it.","start":1471.995,"end":1476.68,"sentiment":"neutral","sentiment_score":-0.03653175523504615},{"text":"We've only done it now for six weeks.","start":1476.68,"end":1479.98,"sentiment":"neutral","sentiment_score":-0.10392376594245434},{"text":"Six weeks?","start":1481.4,"end":1481.96,"sentiment":"neutral","sentiment_score":-0.025233578868210316},{"text":"Eight weeks?","start":1481.96,"end":1482.7001,"sentiment":"neutral","sentiment_score":-0.028427114710211754}],"sentiment":"neutral","sentiment_score":-0.016096631629448948,"num_words":33,"start":1470.555,"end":1482.7001},{"sentences":[{"text":"Six weeks?","start":1483.0,"end":1483.64,"sentiment":"neutral","sentiment_score":-0.03747778292745352},{"text":"How long?","start":1483.64,"end":1484.2001,"sentiment":"neutral","sentiment_score":-0.04818510636687279},{"text":"Yeah.","start":1484.2001,"end":1484.4401,"sentiment":"neutral","sentiment_score":-0.012288601137697697},{"text":"A month.","start":1484.4401,"end":1485.045,"sentiment":"neutral","sentiment_score":-0.005947786383330822},{"text":"Well, yeah, six weeks.","start":1485.125,"end":1486.405,"sentiment":"neutral","sentiment_score":0.012069388292729855}],"sentiment":"neutral","sentiment_score":-0.013384763574735685,"num_words":11,"start":1483.0,"end":1486.405},{"sentences":[{"text":"Yeah.","start":1486.405,"end":1486.905,"sentiment":"neutral","sentiment_score":0.03858444467186928},{"text":"And for the first time in twelve months or longer, we've put an extra $6,000 into the mortgage, like, which we haven't even considered that since we've been here.","start":1487.125,"end":1506.64,"sentiment":"neutral","sentiment_score":0.023601308593462253},{"text":"So that side of things, I think, is finally starting to tick over in a structured way.","start":1507.18,"end":1513.76,"sentiment":"neutral","sentiment_score":0.18935091092306025},{"text":"And then it's about like, well, okay, how do we look and you know, because obviously it was Infiniti that made us go to New Haven and talk about the SMSF, and it's probably not gonna be anywhere nearly in line with their process.","start":1514.595,"end":1532.64,"sentiment":"neutral","sentiment_score":0.07056748240508816},{"text":"But their process for us is primarily the rapid repay and the mortgage reduction, whether or not we invest in a $1,000,000 house on the Gold Coast in our SMSF or whether we go well, actually, it's probably more important to us to look for one of these.","start":1533.26,"end":1549.0851,"sentiment":"neutral","sentiment_score":0.20179370666543642}],"sentiment":"neutral","sentiment_score":0.12038169082977788,"num_words":139,"start":1486.405,"end":1549.0851},{"sentences":[{"text":"Like, as long as it passes all the requirements, the arms, legs requirements, and the genuine business and all that sort of stuff, it would probably be more in line with our values.","start":1549.305,"end":1561.2001,"sentiment":"neutral","sentiment_score":0.21467656574466012},{"text":"And, you know, you would probably agree from the conversations that we've had, it would mean more to us if we've got our super still getting invested, making smart decisions, building and all that, but we've managed to acquire something that we can actually then access, but it's sitting there as a little sheep farm or something like that meeting all the legislative requirements.","start":1561.2001,"end":1585.015,"sentiment":"neutral","sentiment_score":0.32393926015356556},{"text":"But it starts to then we start to look and go, hey.","start":1586.14,"end":1589.34,"sentiment":"neutral","sentiment_score":0.19088504215081534},{"text":"We've actually now sort of got everything we want in life, and we can really just dial in.","start":1589.34,"end":1595.34,"sentiment":"positive","sentiment_score":0.4356885585520003},{"text":"So Yep.","start":1595.34,"end":1611.02,"sentiment":"neutral","sentiment_score":0.17959420382976532}],"sentiment":"neutral","sentiment_score":0.29696621927757594,"num_words":129,"start":1549.305,"end":1611.02},{"sentences":[{"text":"Yes.","start":1618.0125,"end":1618.5125,"sentiment":"neutral","sentiment_score":-0.008555332198739052},{"text":"Yes.","start":1629.025,"end":1629.525,"sentiment":"neutral","sentiment_score":0.06459127366542816},{"text":"Yes.","start":1630.225,"end":1630.725,"sentiment":"neutral","sentiment_score":0.07440003007650375},{"text":"Yeah.","start":1655.11,"end":1655.61,"sentiment":"neutral","sentiment_score":0.2089784145355225},{"text":"Yeah.","start":1655.91,"end":1656.41,"sentiment":"neutral","sentiment_score":0.17866775393486023}],"sentiment":"neutral","sentiment_score":0.10361642800271512,"num_words":5,"start":1618.0125,"end":1656.41},{"sentences":[{"text":"So, yeah, in a long winded way, that's probably the main ways that I I think our goals are probably shifting and becoming more realistic, but also more solidified or the scope changed slightly as we've probably got a little more educated, I guess, is one way to put it.","start":1658.4149,"end":1678.93,"sentiment":"neutral","sentiment_score":0.2297997632622719},{"text":"Can you talk to Tommy for a sec while I get this 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sorry.","start":1893.3251,"end":1895.645,"sentiment":"neutral","sentiment_score":-0.02982249909213611}],"sentiment":"neutral","sentiment_score":-0.005381240695714951,"num_words":15,"start":1887.3251,"end":1895.645},{"sentences":[{"text":"71628 as of today.","start":1895.645,"end":1898.2251,"sentiment":"neutral","sentiment_score":-0.0013691298663616172},{"text":"You see so we're looking at 19?","start":1916.945,"end":1920.245,"sentiment":"neutral","sentiment_score":0.026156460866332054},{"text":"Yep.","start":1929.14,"end":1929.64,"sentiment":"neutral","sentiment_score":0.11844855546951294},{"text":"Yep.","start":1929.9401,"end":1930.4401,"sentiment":"neutral","sentiment_score":0.1903505176305771},{"text":"Lots of 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$100.","start":2619.02,"end":2621.28,"sentiment":"neutral","sentiment_score":0.001949253414447109},{"text":"65.","start":2625.34,"end":2626.4001,"sentiment":"neutral","sentiment_score":0.004247892182320356},{"text":"She's just getting a pay review at the moment, so she'll probably settle around maybe 90.","start":2626.78,"end":2632.125,"sentiment":"neutral","sentiment_score":0.016609955026069656}],"sentiment":"neutral","sentiment_score":0.06590051025627776,"num_words":47,"start":2590.8,"end":2632.125},{"sentences":[{"text":"So What?","start":2632.865,"end":2637.365,"sentiment":"neutral","sentiment_score":-0.008498541079461575},{"text":"Yeah.","start":2676.0898,"end":2676.41,"sentiment":"neutral","sentiment_score":-0.04474661126732826},{"text":"No.","start":2676.41,"end":2676.65,"sentiment":"neutral","sentiment_score":-0.18947012722492215},{"text":"I think the only reason I asked is, like, obviously, because I'm on a straight p a y g salary now.","start":2676.65,"end":2682.41,"sentiment":"neutral","sentiment_score":-0.13287113074745452},{"text":"I didn't think there was any benefit to it.","start":2682.41,"end":2684.8298,"sentiment":"negative","sentiment_score":-0.34564855363633895}],"sentiment":"neutral","sentiment_score":-0.18095131026690497,"num_words":34,"start":2632.865,"end":2684.8298},{"sentences":[{"text":"It was when the guys that were with the previous company who had the family trust and stuff set up and were getting paid the fully frank dividends and stuff, they were tapping out their misses as super as well as their own, you know, with the view.","start":2684.975,"end":2700.8699,"sentiment":"neutral","sentiment_score":-0.04580169318554302},{"text":"That and I think also, like, I can't even remember how long ago it was now, Tommy.","start":2702.45,"end":2706.3699,"sentiment":"neutral","sentiment_score":-0.07660507476505111},{"text":"You probably remember, like, wasn't it at one stage that when you retired, you 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right.","start":2923.16,"end":2923.8,"sentiment":"neutral","sentiment_score":0.14730677753686905},{"text":"Yeah.","start":2923.8,"end":2924.12,"sentiment":"neutral","sentiment_score":0.13771983981132507},{"text":"Yeah.","start":2924.12,"end":2924.52,"sentiment":"neutral","sentiment_score":0.1311013400554657},{"text":"Yeah.","start":2924.52,"end":2925.02,"sentiment":"neutral","sentiment_score":0.14074820280075073},{"text":"Yep.","start":2925.16,"end":2925.66,"sentiment":"neutral","sentiment_score":0.17134222388267517}],"sentiment":"neutral","sentiment_score":0.14592086027065912,"num_words":6,"start":2923.16,"end":2925.66},{"sentences":[{"text":"So, yeah, that's the sort of thing, I guess, that is starting to become at the forefront of our mind.","start":2927.08,"end":2935.7148,"sentiment":"neutral","sentiment_score":0.32807616889476776},{"text":"And, you know, whilst whilst we're excited with what's happening with Infiniti and all that, like Belinda said to me, she got, you know, their idea of the SMSF is purely just because they wanna get you into more properties that they sell you, and it's just accessing more capital for them to sell you more property.","start":2935.7148,"end":2959.485,"sentiment":"neutral","sentiment_score":0.3083909034990428},{"text":"That's fine.","start":2959.5652,"end":2960.125,"sentiment":"positive","sentiment_score":0.4048323929309845},{"text":"And I understand their theory, and that's great.","start":2960.125,"end":2962.6052,"sentiment":"positive","sentiment_score":0.41832586750388145},{"text":"But the rapid repay and us paying this place off is a completely separate entity or a completely separate goal to just us buying a million dollar property in our SMSF.","start":2962.6052,"end":2973.665,"sentiment":"neutral","sentiment_score":0.1695812560858265}],"sentiment":"neutral","sentiment_score":0.28434826730419016,"num_words":118,"start":2927.08,"end":2973.665},{"sentences":[{"text":"If we can actually use that to direct us more towards what we call contentment, I think we're in a much better headspace than just having a million dollar property on the Gold Coast.","start":2974.28,"end":2985.66,"sentiment":"positive","sentiment_score":0.3691118282868582},{"text":"Oh, and that and, yeah, if Belinda was in here now and she heard you say that, I think that would be it.","start":3031.0798,"end":3035.88,"sentiment":"neutral","sentiment_score":0.017355493472322174},{"text":"Like, if we can work out a way between us and you and Chris, because he said they can do the accounting and auditing and everything like that, to say, well, this is what we wanna do.","start":3035.88,"end":3049.855,"sentiment":"neutral","sentiment_score":0.09953607457715112},{"text":"We know what the super balance is, and then we relook at whether we're going to, you know, pay that like, if we were gonna buy that, would we buy it with $500,000 or would we buy it with a 50% deposit and then borrow the rest knowing that our contributions or part of our contributions could then make the repayments because they're not gonna be fuck all on 250,000, let's say, to the point that it's owned and then the SMSF trust or the Bear trust owns it, and then that's it.","start":3049.9148,"end":3087.32,"sentiment":"neutral","sentiment_score":0.022646944529266768},{"text":"Then you just keep stacking into our all of our rest of our portfolios and leave that just sitting there.","start":3087.32,"end":3094.515,"sentiment":"neutral","sentiment_score":0.013930046372115612}],"sentiment":"neutral","sentiment_score":0.09186753642335894,"num_words":207,"start":2974.28,"end":3094.515},{"sentences":[{"text":"You know?","start":3094.835,"end":3095.2349,"sentiment":"neutral","sentiment_score":-0.021590866148471832},{"text":"If that means when you do get to retirement or you're getting close to retirement, you might not want that anymore and you might sell that out of the SMSF or whatever you need to do.","start":3095.2349,"end":3105.335,"sentiment":"neutral","sentiment_score":-0.03184421815805965},{"text":"But if it could get us into something as an interim movement, mate, I think that would scratch so many itches for us.","start":3106.275,"end":3115.06,"sentiment":"neutral","sentiment_score":0.008823126635473707},{"text":"But I would only think it would be either adjusting it to one of the neighboring farms for for sheep.","start":3115.12,"end":3143.02,"sentiment":"neutral","sentiment_score":0.0022561570629477503},{"text":"So it's obviously set up to run sheep.","start":3143.48,"end":3146.14,"sentiment":"neutral","sentiment_score":0.07950403611175716}],"sentiment":"neutral","sentiment_score":-0.0034324296990807138,"num_words":89,"start":3094.835,"end":3146.14},{"sentences":[{"text":"Secondly, the property that it shares a boundary with is actually a bow hunting, fishing adventure property.","start":3146.84,"end":3153.815,"sentiment":"neutral","sentiment_score":0.09271152339437429},{"text":"They have a hut on their property, and they charge $380 a night for a minimum of three people to go out there and just it's just an adventure property.","start":3154.6748,"end":3168.55,"sentiment":"neutral","sentiment_score":0.13202945043643316},{"text":"So they actually share a driveway with that block.","start":3169.09,"end":3174.79,"sentiment":"neutral","sentiment_score":0.13639166206121445},{"text":"So there's potential to do one or two things with it is run it as a little sheep farm and someone can put their sheep on it and pay you a monthly fee to have their sheep on there.","start":3177.4648,"end":3190.23,"sentiment":"neutral","sentiment_score":0.1361940291065436},{"text":"You could put you could set up a company and put your own sheep on there, and, like, you could do wool.","start":3190.79,"end":3198.63,"sentiment":"neutral","sentiment_score":0.13807143778963524}],"sentiment":"neutral","sentiment_score":0.12917643705876464,"num_words":117,"start":3146.84,"end":3198.63},{"sentences":[{"text":"It's obviously got a a shearing shed.","start":3198.63,"end":3200.73,"sentiment":"neutral","sentiment_score":0.14792981211628234},{"text":"You could do meat animals, or you could set it up so that it was somewhere that people can go and camp and bow hunt, and they pay you for that privilege.","start":3201.03,"end":3214.5352,"sentiment":"neutral","sentiment_score":0.17963294521905482},{"text":"You know what I mean?","start":3214.7551,"end":3215.5552,"sentiment":"neutral","sentiment_score":0.08222300410270691},{"text":"Like, because a lot of those areas in the New England that are sort of 500, 1,000, 2,000 acres, you go down, you pay a 100 or $200 a night to camp there.","start":3215.5552,"end":3227.02,"sentiment":"neutral","sentiment_score":0.06434006210077893},{"text":"If they shoot a deer, it might be $200.","start":3227.24,"end":3231.48,"sentiment":"neutral","sentiment_score":0.03591516779528724}],"sentiment":"neutral","sentiment_score":0.11210856409093668,"num_words":86,"start":3198.63,"end":3231.48},{"sentences":[{"text":"If they shoot a goat, it might be $50.","start":3231.48,"end":3233.88,"sentiment":"neutral","sentiment_score":0.028058344084355567},{"text":"Like, you are giving someone an opportunity to do something, but it's generating an income through just having the space.","start":3233.88,"end":3242.925,"sentiment":"neutral","sentiment_score":0.17198477555066347},{"text":"The other thing that Belinda said, and I quickly looked into it, but realized it was it's possible, but it's very, very difficult is using SMSF to buy farms for carbon credits.","start":3243.145,"end":3261.52,"sentiment":"neutral","sentiment_score":-0.10432963178027421},{"text":"The so the big the big thing, like, a lot of the farms that we visit up in the up in Cape York, there's a lot of them in the Riverina area.","start":3264.3052,"end":3275.6052,"sentiment":"neutral","sentiment_score":0.1348529193783179},{"text":"What happened was in the drought, when farmers had to sell their farms, super companies were buying them up, like snapping them all up and basically destocking them and making, let's say, it was four existing farms, then they would stock proof fence it, destock it to take all the existing stock off, and make it like one ten thousand acre property or something like that.","start":3277.425,"end":3305.5151,"sentiment":"neutral","sentiment_score":-0.051666870741455845}],"sentiment":"neutral","sentiment_score":0.00791793925769674,"num_words":159,"start":3231.48,"end":3305.5151},{"sentences":[{"text":"And then they just use it as carbon credits.","start":3305.84,"end":3308.4,"sentiment":"neutral","sentiment_score":0.030642087674803205},{"text":"So then they would use that to offset their developments they're doing in Melbourne or Sydney and places like that.","start":3308.4,"end":3314.02,"sentiment":"neutral","sentiment_score":0.042473251931369305},{"text":"A lot of the really big properties up in Cape York are all just carbon credit properties.","start":3314.16,"end":3320.315,"sentiment":"neutral","sentiment_score":0.11782367965754341},{"text":"So they once were like, one of the ones I go bow hunting on is 600,000 acres, and it used to be a huge, big, you know, thriving cattle property.","start":3320.315,"end":3332.1748,"sentiment":"neutral","sentiment_score":0.0433533227071166},{"text":"They've just destocked it completely, and now it just is an overgrown 600,000 acres, and I'll make more money from carbon credits on that block than what he makes from cattle farming.","start":3332.6902,"end":3344.87,"sentiment":"neutral","sentiment_score":-0.07323261877172627}],"sentiment":"neutral","sentiment_score":0.019309280207380652,"num_words":108,"start":3305.84,"end":3344.87},{"sentences":[{"text":"The only thing I looked into it briefly was that if you do do carbon credits, you have to lock in for twenty five or a hundred years.","start":3347.095,"end":3358.7952,"sentiment":"neutral","sentiment_score":-0.07902978706572737},{"text":"So that's where it's met with very significant, I guess, complexity.","start":3358.935,"end":3364.8901,"sentiment":"neutral","sentiment_score":-0.1969704641537233},{"text":"So we looked into that very briefly, but if we can do it any other way, as in adjusting farm, like, you know, planning for whatever, that would be ideal for us.","start":3365.11,"end":3379.935,"sentiment":"neutral","sentiment_score":-0.005125812313053757},{"text":"Yep.","start":3392.19,"end":3392.69,"sentiment":"neutral","sentiment_score":0.08102117478847504},{"text":"Yep.","start":3399.95,"end":3400.45,"sentiment":"neutral","sentiment_score":0.1171221360564232}],"sentiment":"neutral","sentiment_score":-0.05952591543430335,"num_words":73,"start":3347.095,"end":3400.45},{"sentences":[{"text":"Yep.","start":3416.87,"end":3417.37,"sentiment":"neutral","sentiment_score":0.1322641223669052},{"text":"Yep.","start":3424.47,"end":3424.97,"sentiment":"neutral","sentiment_score":0.023290125653147697},{"text":"Yep.","start":3425.27,"end":3425.77,"sentiment":"neutral","sentiment_score":-0.008700152859091759},{"text":"Okay.","start":3444.365,"end":3444.865,"sentiment":"neutral","sentiment_score":-0.02121322974562645},{"text":"Yep.","start":3445.005,"end":3445.505,"sentiment":"neutral","sentiment_score":0.03920707851648331}],"sentiment":"neutral","sentiment_score":0.0329695887863636,"num_words":5,"start":3416.87,"end":3445.505},{"sentences":[{"text":"Yep.","start":3449.0999,"end":3449.5999,"sentiment":"neutral","sentiment_score":0.02171938121318817},{"text":"Yep.","start":3452.8599,"end":3453.3599,"sentiment":"neutral","sentiment_score":0.09754245728254318},{"text":"Yep.","start":3464.4048,"end":3464.9048,"sentiment":"neutral","sentiment_score":0.1079479306936264},{"text":"Yep.","start":3474.55,"end":3475.05,"sentiment":"neutral","sentiment_score":0.06201036274433136},{"text":"Yep.","start":3476.8699,"end":3477.3699,"sentiment":"neutral","sentiment_score":0.11238500475883484}],"sentiment":"neutral","sentiment_score":0.0803210273385048,"num_words":5,"start":3449.0999,"end":3477.3699},{"sentences":[{"text":"Yep.","start":3489.085,"end":3489.245,"sentiment":"neutral","sentiment_score":0.04408237338066101},{"text":"So there's a guy up here guy up here that I met, and he has bought his farm, which is 600 acres up here in his super.","start":3489.245,"end":3499.7,"sentiment":"neutral","sentiment_score":0.051041945815086365},{"text":"So that's in one trust.","start":3501.44,"end":3503.46,"sentiment":"neutral","sentiment_score":0.037848053872585295},{"text":"Then his business or his other trust, it leases the farm off the super fund at market rates.","start":3504.24,"end":3513.945,"sentiment":"neutral","sentiment_score":0.03690906924506029},{"text":"So he basically is leasing the farm back off his Superfund to farm his cattle and all that, but they're two completely separate companies and all that stuff.","start":3514.185,"end":3528.3699,"sentiment":"neutral","sentiment_score":0.05988737528345415}],"sentiment":"neutral","sentiment_score":0.05003373334302178,"num_words":79,"start":3489.085,"end":3528.3699},{"sentences":[{"text":"He was the first guy that I've met that's actually kind of, I guess, doing it in that way up here.","start":3528.3699,"end":3533.91,"sentiment":"neutral","sentiment_score":0.07309505467613538},{"text":"There's another guy I met that he owns his farm in their trust, but his SMSF is so they've got a lease to buy the farm next door.","start":3534.29,"end":3545.515,"sentiment":"neutral","sentiment_score":0.05197799624875188},{"text":"So the SMSF is leasing the farm next door, but with an agreement off the property owner that once the once it's paid out, they'll transfer the title kind of thing.","start":3545.515,"end":3563.97,"sentiment":"neutral","sentiment_score":0.07527389473492099},{"text":"So they'll, like, live next door to them for years and years, and that's what they're doing.","start":3563.97,"end":3568.3699,"sentiment":"neutral","sentiment_score":0.13840867995339282},{"text":"So, yeah, I don't know.","start":3568.3699,"end":3569.33,"sentiment":"neutral","sentiment_score":-0.08143948316574097}],"sentiment":"neutral","sentiment_score":0.07127079336593549,"num_words":102,"start":3528.3699,"end":3569.33},{"sentences":[{"text":"There's probably a whole bunch of ways that people are trying to get around it or whatever, but I think for us yeah.","start":3569.33,"end":3581.855,"sentiment":"neutral","sentiment_score":0.025883129109507023},{"text":"Yep.","start":3590.26,"end":3590.76,"sentiment":"neutral","sentiment_score":-0.09761899709701538},{"text":"Yep.","start":3593.3,"end":3593.8,"sentiment":"neutral","sentiment_score":-0.01721024513244629},{"text":"Yep.","start":3594.34,"end":3594.84,"sentiment":"neutral","sentiment_score":-0.006425549741834402},{"text":"Yep.","start":3596.4202,"end":3596.745,"sentiment":"neutral","sentiment_score":0.005836931057274342}],"sentiment":"neutral","sentiment_score":0.017773855874245917,"num_words":27,"start":3569.33,"end":3596.745},{"sentences":[{"text":"Yep.","start":3599.385,"end":3599.885,"sentiment":"neutral","sentiment_score":0.048014044761657715},{"text":"Yep.","start":3605.8652,"end":3606.3652,"sentiment":"neutral","sentiment_score":0.12140186876058578},{"text":"Yep.","start":3615.72,"end":3616.22,"sentiment":"neutral","sentiment_score":0.0621166005730629},{"text":"Yes.","start":3629.685,"end":3630.085,"sentiment":"neutral","sentiment_score":0.08057199418544769},{"text":"Exactly.","start":3630.085,"end":3630.565,"sentiment":"neutral","sentiment_score":0.09104320406913756}],"sentiment":"neutral","sentiment_score":0.08062954246997833,"num_words":5,"start":3599.385,"end":3630.565},{"sentences":[{"text":"Yeah.","start":3630.565,"end":3630.885,"sentiment":"neutral","sentiment_score":0.09496410191059113},{"text":"Yeah.","start":3630.885,"end":3631.125,"sentiment":"neutral","sentiment_score":0.10357341170310974},{"text":"Yep.","start":3631.125,"end":3631.625,"sentiment":"neutral","sentiment_score":0.08880347013473511},{"text":"Yep.","start":3632.165,"end":3632.665,"sentiment":"neutral","sentiment_score":0.0761537253856659},{"text":"Yep.","start":3634.565,"end":3635.065,"sentiment":"neutral","sentiment_score":0.08491630852222443}],"sentiment":"neutral","sentiment_score":0.08968220353126526,"num_words":5,"start":3630.565,"end":3635.065},{"sentences":[{"text":"Yep.","start":3638.75,"end":3639.25,"sentiment":"neutral","sentiment_score":0.03760300576686859},{"text":"Yep.","start":3642.99,"end":3643.49,"sentiment":"neutral","sentiment_score":0.006606393959373236},{"text":"Yep.","start":3644.43,"end":3644.93,"sentiment":"neutral","sentiment_score":0.03599381446838379},{"text":"Alex say that that property is just an example if we can massage what that looks like.","start":3645.31,"end":3650.67,"sentiment":"neutral","sentiment_score":0.08109212732490372},{"text":"If it's half 1,000,000 or 600,000, you can look at alternatives.","start":3650.67,"end":3656.035,"sentiment":"neutral","sentiment_score":0.03846275840293278}],"sentiment":"neutral","sentiment_score":0.06070515229516933,"num_words":31,"start":3638.75,"end":3656.035},{"sentences":[{"text":"You know what I mean?","start":3656.095,"end":3656.895,"sentiment":"neutral","sentiment_score":0.03229675367474556},{"text":"But I think it's becoming more in line with what we are thinking, I guess.","start":3656.895,"end":3667.35,"sentiment":"neutral","sentiment_score":0.06699768776694934},{"text":"So Yep.","start":3668.21,"end":3677.615,"sentiment":"positive","sentiment_score":0.37098751962184906},{"text":"Well, longer than I am.","start":3677.615,"end":3678.895,"sentiment":"neutral","sentiment_score":0.2257091224193573},{"text":"Yep.","start":3678.895,"end":3679.395,"sentiment":"neutral","sentiment_score":0.050421833992004395}],"sentiment":"neutral","sentiment_score":0.11026398465037346,"num_words":28,"start":3656.095,"end":3679.395},{"sentences":[{"text":"Yep.","start":3688.575,"end":3688.9749,"sentiment":"neutral","sentiment_score":0.31553882360458374},{"text":"Yep.","start":3688.9749,"end":3689.4749,"sentiment":"positive","sentiment_score":0.342197984457016},{"text":"Yep.","start":3692.8801,"end":3693.3801,"sentiment":"neutral","sentiment_score":0.1759185791015625},{"text":"How is Chevy.","start":3700.0,"end":3701.625,"sentiment":"positive","sentiment_score":0.3336630662282308},{"text":"Yep.","start":3717.18,"end":3717.68,"sentiment":"positive","sentiment_score":0.3585025668144226}],"sentiment":"neutral","sentiment_score":0.313306736094611,"num_words":7,"start":3688.575,"end":3717.68},{"sentences":[{"text":"Yes.","start":3722.3,"end":3722.8,"sentiment":"neutral","sentiment_score":0.19720572233200073},{"text":"Yes.","start":3728.14,"end":3728.64,"sentiment":"neutral","sentiment_score":0.13726818561553955},{"text":"Well, we will we will try and get down there, obviously, again, when we for tax and stuff like that, and we'll try and tie that in and come down to stay for a night or two.","start":3741.6548,"end":3754.06,"sentiment":"neutral","sentiment_score":0.09947916704255182},{"text":"Chris is really good with that.","start":3754.06,"end":3755.52,"sentiment":"positive","sentiment_score":0.6286651094754537},{"text":"He's like, book yourself business class flights, come down, book yourself a nice accommodation.","start":3755.6602,"end":3761.845,"sentiment":"positive","sentiment_score":0.47118634411266874}],"sentiment":"neutral","sentiment_score":0.24379326377884816,"num_words":59,"start":3722.3,"end":3761.845},{"sentences":[{"text":"You've got to see your account and then your financial planner.","start":3761.985,"end":3764.625,"sentiment":"neutral","sentiment_score":0.2907431328838522},{"text":"So it's all tax deductible, and then we can go from there.","start":3764.625,"end":3771.125,"sentiment":"positive","sentiment_score":0.3762264872590701},{"text":"So I guess summarize where we're at with exactly what we're looking at here.","start":3773.96,"end":3779.64,"sentiment":"neutral","sentiment_score":0.08040661923587322},{"text":"So we've got the statement of advice, which I'm all for with what we've been through for those changes to Alfiniti and and the inflation bonds or ETF and the other one.","start":3779.64,"end":3799.165,"sentiment":"neutral","sentiment_score":0.0889820596203208},{"text":"They're really the only changes in that statement of advice is those three.","start":3800.89,"end":3806.99,"sentiment":"neutral","sentiment_score":0.07875610142946243}],"sentiment":"neutral","sentiment_score":0.15499805127520386,"num_words":82,"start":3761.985,"end":3806.99},{"sentences":[{"text":"Yep.","start":3812.49,"end":3812.99,"sentiment":"neutral","sentiment_score":0.1265057623386383},{"text":"Yes.","start":3813.885,"end":3814.385,"sentiment":"neutral","sentiment_score":0.30316171050071716},{"text":"Yes.","start":3824.365,"end":3824.865,"sentiment":"neutral","sentiment_score":0.08479798585176468},{"text":"Yes.","start":3826.765,"end":3827.265,"sentiment":"neutral","sentiment_score":0.15200930833816528},{"text":"So if we wanted to look more intently into, say, doing something with a block like that one that I've sent you or something like that, what's the next steps with you guys through Oakview or through Chris to actually start looking at what that would look like.","start":3838.4302,"end":3864.16,"sentiment":"neutral","sentiment_score":0.22042742449169359}],"sentiment":"neutral","sentiment_score":0.21628829120443419,"num_words":52,"start":3812.49,"end":3864.16},{"sentences":[{"text":"Yep.","start":3875.505,"end":3876.005,"sentiment":"neutral","sentiment_score":0.23688189685344696},{"text":"Yes.","start":3888.8198,"end":3889.3198,"sentiment":"neutral","sentiment_score":0.25534066557884216},{"text":"Yes.","start":3898.42,"end":3898.92,"sentiment":"neutral","sentiment_score":0.27801400423049927},{"text":"Yes.","start":3902.9,"end":3903.4,"sentiment":"positive","sentiment_score":0.36433863639831543},{"text":"Yeah.","start":3918.72,"end":3919.22,"sentiment":"positive","sentiment_score":0.417475163936615}],"sentiment":"neutral","sentiment_score":0.31041007339954374,"num_words":5,"start":3875.505,"end":3919.22},{"sentences":[{"text":"Yes.","start":3931.6,"end":3932.1,"sentiment":"neutral","sentiment_score":0.2967337965965271},{"text":"Yes.","start":3941.245,"end":3941.745,"sentiment":"neutral","sentiment_score":0.2525137662887573},{"text":"Yes.","start":3957.48,"end":3957.98,"sentiment":"neutral","sentiment_score":0.2159918248653412},{"text":"Yes.","start":3958.625,"end":3959.125,"sentiment":"neutral","sentiment_score":0.20960763096809387},{"text":"Yes.","start":3973.665,"end":3974.165,"sentiment":"neutral","sentiment_score":-0.0026479437947273254}],"sentiment":"neutral","sentiment_score":0.19443981498479843,"num_words":5,"start":3931.6,"end":3974.165},{"sentences":[{"text":"So can you potentially have it then like, so if I got all my super going into the SMSF and then say the q super was going in there and whatnot or what, Could Kyle then potentially split his super to have half of it going into his o q stuff and then half going into the SMSF?","start":3977.32,"end":3994.405,"sentiment":"neutral","sentiment_score":0.04657090664038371},{"text":"Yes.","start":3997.425,"end":3997.925,"sentiment":"neutral","sentiment_score":0.054260820150375366},{"text":"Yeah.","start":4004.69,"end":4005.19,"sentiment":"neutral","sentiment_score":0.08079507946968079},{"text":"Yeah.","start":4023.1848,"end":4023.4148,"sentiment":"neutral","sentiment_score":0.056011863052845},{"text":"Mhmm.","start":4023.4148,"end":4023.6648,"sentiment":"neutral","sentiment_score":0.03741888701915741}],"sentiment":"neutral","sentiment_score":0.047251600561843764,"num_words":62,"start":3977.32,"end":4023.6648},{"sentences":[{"text":"Yep.","start":4023.6648,"end":4024.1648,"sentiment":"neutral","sentiment_score":0.06945820152759552},{"text":"Yeah.","start":4024.4648,"end":4024.9648,"sentiment":"neutral","sentiment_score":0.047449011355638504},{"text":"So if there was no loan on the on the property, then what does that look like then?","start":4035.92,"end":4041.015,"sentiment":"neutral","sentiment_score":-0.015142315791712867},{"text":"Yep.","start":4044.2148,"end":4044.7148,"sentiment":"neutral","sentiment_score":0.1319820135831833},{"text":"Yeah.","start":4048.535,"end":4049.035,"sentiment":"neutral","sentiment_score":0.16540732979774475}],"sentiment":"neutral","sentiment_score":0.006442494182424111,"num_words":22,"start":4023.6648,"end":4049.035},{"sentences":[{"text":"Yep.","start":4051.4148,"end":4051.7349,"sentiment":"neutral","sentiment_score":0.1565600037574768},{"text":"The only thing that would do is you would go from where we sit now and where you project you're gonna be Yeah.","start":4051.7349,"end":4057.4102,"sentiment":"neutral","sentiment_score":0.11327527301466983},{"text":"To owning that now Yeah.","start":4059.07,"end":4061.07,"sentiment":"neutral","sentiment_score":0.08706234991550446},{"text":"But what that would look like for retirement Yeah.","start":4061.1501,"end":4063.9502,"sentiment":"neutral","sentiment_score":0.05450722616579798},{"text":"That you weren't in here before when Tommy was just talking to me, like, there there's a lot of ways to make it work, whether we put in 50 percent and then borrow 50% or yeah.","start":4064.11,"end":4080.445,"sentiment":"neutral","sentiment_score":0.029549091782731313}],"sentiment":"neutral","sentiment_score":0.06420993746409344,"num_words":74,"start":4051.4148,"end":4080.445},{"sentences":[{"text":"So we're throwing around ideas of Yeah.","start":4080.445,"end":4082.925,"sentiment":"neutral","sentiment_score":0.024708351519490992},{"text":"The last idea.","start":4082.925,"end":4083.725,"sentiment":"neutral","sentiment_score":0.013982330138484636},{"text":"Income and I just flipped you through, Tommy.","start":4083.8052,"end":4086.6401,"sentiment":"neutral","sentiment_score":0.014899157686159015},{"text":"This is the worksheet.","start":4087.4202,"end":4089.12,"sentiment":"neutral","sentiment_score":0.09396864660084248},{"text":"You'll get another email there now that New Haven basically sent through when they were explaining how the SMSF structure worked, which was very in line with the very quick synopsis that you gave me about the cash managed account.","start":4089.34,"end":4110.3247,"sentiment":"neutral","sentiment_score":0.09869866278022528}],"sentiment":"neutral","sentiment_score":0.07512773887344426,"num_words":62,"start":4080.445,"end":4110.3247},{"sentences":[{"text":"So this was their proposal if we were to do not use all of the super balance.","start":4111.025,"end":4120.31,"sentiment":"neutral","sentiment_score":0.007012157646172187},{"text":"So using 412,000 borrowing 650,000 and buying a million dollar property, what that would look like from rent, Belinda's contributions, my contributions, the earnings on the property, then the expenses, and what that would look like in a per year sort of scenario.","start":4120.37,"end":4145.84,"sentiment":"neutral","sentiment_score":0.026240724572088828},{"text":"So it'd be interesting to see what your thoughts are on on those kind of figures and whatnot, but that was the they gave us two proposals.","start":4149.02,"end":4159.405,"sentiment":"neutral","sentiment_score":0.016485870350152254},{"text":"One was buying one property worth a million dollars or, yeah, just throwing around figures, I think, before they went through, like, a statement of advice so that we had something to look at.","start":4159.705,"end":4174.38,"sentiment":"neutral","sentiment_score":0.014573118978125207},{"text":"And the other one was buying one property.","start":4175.96,"end":4184.135,"sentiment":"neutral","sentiment_score":0.039637967478483915}],"sentiment":"neutral","sentiment_score":0.019420667605604545,"num_words":129,"start":4111.025,"end":4184.135},{"sentences":[{"text":"So putting in 820,000, borrowing 1.3 and buying a $2,000,000 property and basically only leaving us with 120,000 in the SMSF trust balance and all that sort of stuff or having two $1,000,000 properties essentially rather than one $2,000,000 property or whatever.","start":4184.135,"end":4210.935,"sentiment":"neutral","sentiment_score":0.04537083297258332},{"text":"But I much more think, you know, after our discussions that having a strong fund that you guys are carefully managing and being able to look at something else that can tickle that itch Look outside the box.","start":4210.935,"end":4231.35,"sentiment":"neutral","sentiment_score":0.134422888489146},{"text":"Is probably It's way more gonna be more closely aligned for us.","start":4231.985,"end":4238.165,"sentiment":"neutral","sentiment_score":0.06053824039796988},{"text":"100%.","start":4238.2246,"end":4239.045,"sentiment":"neutral","sentiment_score":0.08974698185920715},{"text":"Yep.","start":4248.85,"end":4249.35,"sentiment":"positive","sentiment_score":0.3726763427257538}],"sentiment":"neutral","sentiment_score":0.08726092507230475,"num_words":94,"start":4184.135,"end":4249.35},{"sentences":[{"text":"Yeah.","start":4258.37,"end":4258.87,"sentiment":"neutral","sentiment_score":0.11953281611204147},{"text":"Yes.","start":4272.7954,"end":4273.2954,"sentiment":"neutral","sentiment_score":0.12651696801185608},{"text":"Yep.","start":4279.94,"end":4280.44,"sentiment":"neutral","sentiment_score":0.029659343883395195},{"text":"Yep.","start":4282.58,"end":4283.08,"sentiment":"neutral","sentiment_score":0.1649840772151947},{"text":"And he did explain that really well about the the way that when they were first sort of out, you know, not having that bare trust just meant that there was more risk and all that stuff.","start":4283.38,"end":4296.585,"sentiment":"neutral","sentiment_score":-0.029757227547265386}],"sentiment":"neutral","sentiment_score":-0.016105468634788584,"num_words":41,"start":4258.37,"end":4296.585},{"sentences":[{"text":"Whereas when the bare trust owns the property and it's got no link to the SMSF trust, even if something happens and the property goes down or anything like that, they can't come to what's in your SMSF trust portfolio balance to try and make up the shortfall of what's happened with the property that's owned by the Bear Trust.","start":4296.585,"end":4320.065,"sentiment":"neutral","sentiment_score":-0.06602270491421222},{"text":"Yep.","start":4323.565,"end":4324.065,"sentiment":"positive","sentiment_score":0.3650176227092743},{"text":"Yes.","start":4333.81,"end":4334.31,"sentiment":"neutral","sentiment_score":0.18664154410362244},{"text":"Yep.","start":4339.8896,"end":4340.3896,"sentiment":"neutral","sentiment_score":0.13654424250125885},{"text":"Yes.","start":4346.995,"end":4347.495,"sentiment":"neutral","sentiment_score":0.07635974884033203}],"sentiment":"neutral","sentiment_score":-0.049949986510910094,"num_words":64,"start":4296.585,"end":4347.495},{"sentences":[{"text":"Yes.","start":4349.3154,"end":4349.8154,"sentiment":"neutral","sentiment_score":0.1815728545188904},{"text":"What's your thoughts on the ground with the government reducing the capital gains discount tax?","start":4363.44,"end":4370.665,"sentiment":"neutral","sentiment_score":-0.01656123432330787},{"text":"Because when I spoke to Chris yesterday afternoon, he was like, it's a 100% gonna happen.","start":4370.665,"end":4376.9053,"sentiment":"neutral","sentiment_score":0.05101182129510562},{"text":"They've already passed the legislation through the lower house, and it was either a proposal to reduce it to 25% or 33% depending on properties.","start":4376.9053,"end":4390.11,"sentiment":"neutral","sentiment_score":0.04796107724308968},{"text":"What's your thoughts on on how that's gonna work?","start":4390.11,"end":4394.415,"sentiment":"neutral","sentiment_score":0.04059682289759318}],"sentiment":"neutral","sentiment_score":0.03505669420525065,"num_words":66,"start":4349.3154,"end":4394.415},{"sentences":[{"text":"Yep.","start":4417.5703,"end":4418.0703,"sentiment":"neutral","sentiment_score":0.33143794536590576},{"text":"Yep.","start":4418.45,"end":4418.95,"sentiment":"neutral","sentiment_score":0.09338997304439545},{"text":"Yep.","start":4420.5303,"end":4421.0303,"sentiment":"neutral","sentiment_score":0.04889323562383652},{"text":"Yes.","start":4427.585,"end":4428.085,"sentiment":"neutral","sentiment_score":-0.0904616266489029},{"text":"Yep.","start":4448.69,"end":4449.19,"sentiment":"neutral","sentiment_score":-0.07865257561206818}],"sentiment":"neutral","sentiment_score":0.06092139035463333,"num_words":5,"start":4417.5703,"end":4449.19},{"sentences":[{"text":"Yep.","start":4460.545,"end":4461.045,"sentiment":"neutral","sentiment_score":0.033911943435668945},{"text":"Yeah.","start":4461.105,"end":4461.605,"sentiment":"neutral","sentiment_score":0.0986587256193161},{"text":"Fair enough.","start":4462.48,"end":4463.2197,"sentiment":"neutral","sentiment_score":0.1716713085770607},{"text":"Yep.","start":4466.0796,"end":4466.5796,"sentiment":"neutral","sentiment_score":0.05519292876124382},{"text":"Yep.","start":4469.44,"end":4469.94,"sentiment":"neutral","sentiment_score":0.08636380732059479}],"sentiment":"neutral","sentiment_score":0.10291167038182418,"num_words":6,"start":4460.545,"end":4469.94},{"sentences":[{"text":"Interesting.","start":4470.56,"end":4471.06,"sentiment":"neutral","sentiment_score":0.1774691343307495},{"text":"Interesting.","start":4471.6797,"end":4472.1797,"sentiment":"neutral","sentiment_score":0.18412622809410095},{"text":"Alright.","start":4472.4,"end":4472.9,"sentiment":"neutral","sentiment_score":0.19292938709259033},{"text":"Well, we'll get I'll get this statement of advice signed off and back to you, but we would probably like to stay in close contact even if you wanna have a yarn as heavy about what we've spoken about and sort of see what his thoughts are around, you know, what what or even if you can have a think about what you would recommend it would look like.","start":4475.295,"end":4506.485,"sentiment":"neutral","sentiment_score":0.13256404797236124},{"text":"If we just use that property as an example, would we look at withdrawing 50% and borrowing 50%?","start":4506.485,"end":4519.05,"sentiment":"neutral","sentiment_score":0.0315886822839578}],"sentiment":"neutral","sentiment_score":0.11411155934135118,"num_words":90,"start":4470.56,"end":4519.05},{"sentences":[{"text":"Would we look at withdrawing 70% and borrowing 30%?","start":4519.11,"end":4523.69,"sentiment":"neutral","sentiment_score":-0.02122611676653226},{"text":"Would we look at buying it outright?","start":4524.15,"end":4525.77,"sentiment":"neutral","sentiment_score":-0.012429230181234223},{"text":"You know, and what would that look like from an actual making something happen point of view?","start":4526.23,"end":4533.555,"sentiment":"neutral","sentiment_score":0.05315412679577575},{"text":"And then we can sort of just continue.","start":4535.615,"end":4537.7954,"sentiment":"neutral","sentiment_score":0.13371656276285648},{"text":"So we're coming down to the Gold Coast this weekend for the first Infinity Real Estate Masterclass event at the Star, which is basically where I think they're going to encourage us to buy our first investment property with the equity release that we've got sitting there.","start":4538.015,"end":4557.045,"sentiment":"neutral","sentiment_score":0.3276285554500336}],"sentiment":"neutral","sentiment_score":0.19424835342744534,"num_words":88,"start":4519.11,"end":4557.045},{"sentences":[{"text":"But with the SMSF side, and I've said this to Binrock from the start, I have a very high level of comfortability for what you guys have done for me and the working relationship that we have with the way we can talk and our super is managed and all that stuff, that if we can do something without outsourcing that from our little circle that we have, that would make me feel incredibly more comfortable than just, you know, because they see all they see is dollar signs.","start":4559.685,"end":4596.2046,"sentiment":"positive","sentiment_score":0.41502427715766294},{"text":"When they see a 43 year old with nearly a million dollars in super, they're like, fucking, let's go.","start":4596.2046,"end":4601.02,"sentiment":"neutral","sentiment_score":-0.18690013140439987},{"text":"We're gonna buy five or 10 investment prop you know, in our SMSF or we're gonna buy a million dollar properties or whatever.","start":4601.02,"end":4608.48,"sentiment":"neutral","sentiment_score":0.017828408385748448},{"text":"Whereas yeah.","start":4608.62,"end":4612.2397,"sentiment":"neutral","sentiment_score":0.012043864815495908},{"text":"Yeah.","start":4612.86,"end":4613.1797,"sentiment":"neutral","sentiment_score":0.034974291920661926}],"sentiment":"neutral","sentiment_score":0.2526505491400916,"num_words":134,"start":4559.685,"end":4613.1797},{"sentences":[{"text":"So, you know, because they're like our friends that have done it, I think they had a combined super of 250,000, and they bought an investment property with theirs.","start":4613.1797,"end":4622.005,"sentiment":"neutral","sentiment_score":0.030381184392448128},{"text":"Now that's a husband and wife of 40 years old.","start":4622.005,"end":4624.965,"sentiment":"neutral","sentiment_score":0.007524037733674049},{"text":"So, you know, when they saw ours, they're like, holy shit.","start":4624.965,"end":4628.94,"sentiment":"neutral","sentiment_score":-0.10753996450115334},{"text":"Like, we can do and I'm like, yeah.","start":4628.94,"end":4630.46,"sentiment":"neutral","sentiment_score":-0.06460195314139128},{"text":"But we've worked, you know, I feel worked really hard to get that from what it was to where we are now and not just willing to even when I said possibly doing half and keeping half, they're kinda like, oh, you but it'd be much better if you did the whole lot.","start":4630.46,"end":4645.825,"sentiment":"neutral","sentiment_score":-0.13040536642074585}],"sentiment":"neutral","sentiment_score":-0.06896346783987037,"num_words":111,"start":4613.1797,"end":4645.825},{"sentences":[{"text":"I'm like, yeah.","start":4645.825,"end":4646.465,"sentiment":"neutral","sentiment_score":0.03245180690040191},{"text":"But hang on a sec.","start":4646.465,"end":4647.985,"sentiment":"neutral","sentiment_score":0.019435715675354005},{"text":"Like, we have a good thing going here, and I'm not just gonna throw that away.","start":4647.985,"end":4653.185,"sentiment":"neutral","sentiment_score":0.3093731836415827},{"text":"So yeah.","start":4653.185,"end":4663.6,"sentiment":"positive","sentiment_score":0.3755262419581413},{"text":"Yep.","start":4681.53,"end":4682.03,"sentiment":"positive","sentiment_score":0.5036669373512268}],"sentiment":"neutral","sentiment_score":0.23700830957817812,"num_words":27,"start":4645.825,"end":4682.03},{"sentences":[{"text":"Yep.","start":4685.53,"end":4686.03,"sentiment":"positive","sentiment_score":0.47758376598358154},{"text":"Yep.","start":4690.8896,"end":4691.3896,"sentiment":"neutral","sentiment_score":0.27996307611465454},{"text":"Well, yeah, we'll get this part signed, and then I guess our idea is to do something like that.","start":4691.77,"end":4699.085,"sentiment":"neutral","sentiment_score":0.28380183953987925},{"text":"So if we can start spitballing amongst the three of us or the three of you guys, and you guys can have a think about what that would look like and the way to sort of do something like that, that would be ideal.","start":4699.085,"end":4711.505,"sentiment":"positive","sentiment_score":0.34911964766003867},{"text":"But for right now, I appreciate that I've got my own custom super portfolio that's the only one in Australia.","start":4712.27,"end":4719.71,"sentiment":"positive","sentiment_score":0.41788061857223513}],"sentiment":"positive","sentiment_score":0.3513959842569688,"num_words":85,"start":4685.53,"end":4719.71},{"sentences":[{"text":"And I agree, not only the pretty photo on the front, but the figures that are within it and the work that's gone into it is a work of art.","start":4719.71,"end":4731.225,"sentiment":"positive","sentiment_score":0.5993658751249313},{"text":"So let's just get it all signed off and start looking at what comes next.","start":4731.525,"end":4740.0,"sentiment":"positive","sentiment_score":0.42922377983729043},{"text":"Yep.","start":4751.92,"end":4752.0,"sentiment":"neutral","sentiment_score":0.028374791145324707},{"text":"Yep.","start":4752.0,"end":4752.5,"sentiment":"neutral","sentiment_score":0.02871420606970787},{"text":"Yep.","start":4752.56,"end":4753.06,"sentiment":"neutral","sentiment_score":0.037787359207868576}],"sentiment":"positive","sentiment_score":0.5107126939110458,"num_words":48,"start":4719.71,"end":4753.06},{"sentences":[{"text":"Yes.","start":4759.705,"end":4760.205,"sentiment":"neutral","sentiment_score":0.09798089414834976},{"text":"Yep.","start":4775.2397,"end":4775.7397,"sentiment":"neutral","sentiment_score":-0.0646657943725586},{"text":"Yep.","start":4785.755,"end":4786.255,"sentiment":"neutral","sentiment_score":0.15797065198421478},{"text":"Yep.","start":4797.995,"end":4798.1553,"sentiment":"neutral","sentiment_score":0.11803486198186874},{"text":"Gotcha.","start":4798.1553,"end":4798.6553,"sentiment":"neutral","sentiment_score":0.14681550860404968}],"sentiment":"neutral","sentiment_score":0.09122722446918488,"num_words":5,"start":4759.705,"end":4798.6553},{"sentences":[{"text":"Yep.","start":4810.2,"end":4810.7,"sentiment":"neutral","sentiment_score":0.066035196185112},{"text":"Congratulations.","start":4813.265,"end":4813.765,"sentiment":"positive","sentiment_score":0.6826776266098022},{"text":"How exciting.","start":4814.305,"end":4815.045,"sentiment":"positive","sentiment_score":0.7827402055263519},{"text":"Is this your first?","start":4816.625,"end":4817.685,"sentiment":"neutral","sentiment_score":0.07368049584329128},{"text":"Oh my god.","start":4822.305,"end":4823.105,"sentiment":"neutral","sentiment_score":0.2955193320910136}],"sentiment":"neutral","sentiment_score":0.31777029213580216,"num_words":11,"start":4810.2,"end":4823.105},{"sentences":[{"text":"Right now, what hits you when you get a girl?","start":4823.105,"end":4825.285,"sentiment":"neutral","sentiment_score":-0.007115864381194115},{"text":"Wait till they turn, I don't know, maybe, like, eleven or twelve, and then you'll know a whole different kind of world of cuisine when it comes to You and you were still allowed to go away for traditional Croatian cooking with the boys while you had a heavily pregnant wife.","start":4840.855,"end":4855.65,"sentiment":"neutral","sentiment_score":-0.028296033285704313},{"text":"She must be very understanding.","start":4855.65,"end":4857.0303,"sentiment":"neutral","sentiment_score":-0.11762481033802033},{"text":"Yeah.","start":4862.45,"end":4862.95,"sentiment":"neutral","sentiment_score":0.2883687913417816},{"text":"Yes.","start":4872.3853,"end":4872.8853,"sentiment":"neutral","sentiment_score":0.11065005511045456}],"sentiment":"neutral","sentiment_score":-0.025049434509128332,"num_words":68,"start":4823.105,"end":4872.8853},{"sentences":[{"text":"Yes.","start":4880.065,"end":4880.34,"sentiment":"neutral","sentiment_score":0.12281838804483414},{"text":"Yeah.","start":4888.02,"end":4888.52,"sentiment":"neutral","sentiment_score":0.11526302993297576},{"text":"You would have had a food coma.","start":4892.98,"end":4894.52,"sentiment":"neutral","sentiment_score":0.06480574341756958},{"text":"Yep.","start":4904.015,"end":4904.515,"sentiment":"neutral","sentiment_score":-0.013951330445706844},{"text":"Yep.","start":4908.2554,"end":4908.7554,"sentiment":"neutral","sentiment_score":-0.08291106671094894}],"sentiment":"neutral","sentiment_score":0.05407811134037646,"num_words":11,"start":4880.065,"end":4908.7554},{"sentences":[{"text":"Yeah.","start":4910.49,"end":4910.73,"sentiment":"neutral","sentiment_score":0.03188832104206085},{"text":"Roger.","start":4910.73,"end":4911.23,"sentiment":"neutral","sentiment_score":0.04273210093379021},{"text":"Alright, mate.","start":4911.29,"end":4911.93,"sentiment":"neutral","sentiment_score":0.1468946784734726},{"text":"Well, we will we won't hold you up too much longer, and we'll have a look at all this stuff.","start":4911.93,"end":4917.13,"sentiment":"neutral","sentiment_score":0.05598921924829483},{"text":"I'll get it all signed off on the iPad and sent back to you and then go from there.","start":4917.13,"end":4922.17,"sentiment":"neutral","sentiment_score":0.11204714524118524}],"sentiment":"neutral","sentiment_score":0.08411837031328401,"num_words":43,"start":4910.49,"end":4922.17},{"sentences":[{"text":"Thank you.","start":4922.17,"end":4922.91,"sentiment":"positive","sentiment_score":0.34823814034461975},{"text":"Yep.","start":4940.13,"end":4940.63,"sentiment":"neutral","sentiment_score":0.07036163657903671},{"text":"Mhmm.","start":4949.57,"end":4949.82,"sentiment":"neutral","sentiment_score":0.04187511280179024},{"text":"Yep.","start":4949.82,"end":4950.075,"sentiment":"neutral","sentiment_score":0.0707208514213562},{"text":"Yeah.","start":4955.435,"end":4955.935,"sentiment":"neutral","sentiment_score":0.14612364768981934}],"sentiment":"neutral","sentiment_score":0.17092625486354032,"num_words":6,"start":4922.17,"end":4955.935},{"sentences":[{"text":"Yep.","start":4955.995,"end":4956.495,"sentiment":"neutral","sentiment_score":0.16106419265270233},{"text":"Sounds good.","start":4956.6353,"end":4957.615,"sentiment":"positive","sentiment_score":0.4760928750038147},{"text":"Yep.","start":4963.66,"end":4964.16,"sentiment":"neutral","sentiment_score":0.0938166081905365},{"text":"There's no changes to the fee structure or anything in that renewed service agreement?","start":4968.14,"end":4972.32,"sentiment":"neutral","sentiment_score":0.02252295453633581},{"text":"No.","start":4973.58,"end":4974.08,"sentiment":"neutral","sentiment_score":-0.08637557923793793}],"sentiment":"neutral","sentiment_score":0.07557959658534903,"num_words":19,"start":4955.995,"end":4974.08},{"sentences":[{"text":"Yep.","start":4975.2603,"end":4975.7603,"sentiment":"neutral","sentiment_score":0.1137939915060997},{"text":"Yep.","start":4984.625,"end":4984.8647,"sentiment":"neutral","sentiment_score":0.14651773869991302},{"text":"Alright, mate.","start":4984.8647,"end":4985.505,"sentiment":"neutral","sentiment_score":0.3280040770769119},{"text":"Sounds good.","start":4985.505,"end":4986.225,"sentiment":"positive","sentiment_score":0.6208978593349457},{"text":"Thanks for that.","start":4986.225,"end":4987.205,"sentiment":"positive","sentiment_score":0.7493759393692017}],"sentiment":"positive","sentiment_score":0.4895826023485925,"num_words":9,"start":4975.2603,"end":4987.205},{"sentences":[{"text":"Thanks, Tommy.","start":4988.705,"end":4989.425,"sentiment":"positive","sentiment_score":0.5255138576030731},{"text":"See you, mate.","start":4989.425,"end":4989.905,"sentiment":"positive","sentiment_score":0.4616662363211314},{"text":"Bye.","start":4989.905,"end":4990.405,"sentiment":"neutral","sentiment_score":0.0002554274396970868}],"sentiment":"positive","sentiment_score":0.40604697526820627,"num_words":6,"start":4988.705,"end":4990.405}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. If you record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Tommy from Oakview Financial.\n\nChannel 1: Thanks, Tommy. Please stay on the line. Hi, mate. How are you?\n\nChannel 0: Living the dream, Carl. How you been?\n\nChannel 1: Good. Thank you, mate.\n\nChannel 0: Good to hear. Good to hear. You've got the fancy call forwarding service on, sir.\n\nChannel 1: I think it just automatically must have turned itself on with the latest update because it's not anything that I've done. But I did find it particularly useful for reducing the number of unwanted calls that come through, so I've left it in place.\n\nChannel 0: I think it's brilliant. I've been noticing it a lot more recently, and I think I want to get it on mine. Are you on is it iPhone? Or\n\nChannel 1: Yeah. IPhone. Yeah.\n\nChannel 0: that is very cool. Very cool. Mate, I'm gonna send you through this updated statement of advice to your Hotmail address. Is that okay?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Before I jump into it, usual security process, even though I know it is you.\n\nChannel 1: Mhmm.\n\nChannel 0: Are you able to confirm your date of birth and address, please?\n\nChannel 1: 08/1983 and 457 Jim White Way, Baruah, Queensland 4680.\n\nChannel 0: Fantastic. Thank you for that call. And are you okay for the call to be recorded?\n\nChannel 1: Yep.\n\nChannel 0: Legendary. Mate, I've just shot that through. We're using a new system that we've kind of custom built at the moment, so\n\nChannel 1: Yep.\n\nChannel 0: it may come through to your main inbox or your spam box. So\n\nChannel 1: Okay.\n\nChannel 0: just let me know if that kind of pops through okay.\n\nChannel 1: Yep. I've got Belinda sitting here with me as well so that,\n\nChannel 0: Hey,\n\nChannel 1: you know,\n\nChannel 0: Belinda.\n\nChannel 1: that we\n\nChannel 0: Am I on speakerphone? How\n\nChannel 1: Yeah.\n\nChannel 0: are you doing?\n\nChannel 1: How are you going?\n\nChannel 0: Fantastic. It is absolutely brilliant of an evening at the moment. The sun's just setting behind me over the Marina Mirage. It's cool. It's beautiful.\n\nWhat about your end?\n\nChannel 1: Yeah. That sounds just kinda reset over the dam. The Mia's got a old motorbike parked out the front, and we just put a new old motorbike together for her. So she's been burning around all afternoon and just\n\nChannel 0: Oh,\n\nChannel 1: been over and fed the cows, I think. So, yeah,\n\nChannel 0: I love\n\nChannel 1: not\n\nChannel 0: it.\n\nChannel 1: terrible.\n\nChannel 0: Now do you guys want me to flick you through a bit of a a Teams invite to do a video call? You prefer just sort of going through it over the phone? What's easier for you?\n\nChannel 1: I don't mind. This is fine. Just on speaker and, yeah, that's fine, mate. If nothing's come through to either inbox or spam just as of yet,\n\nChannel 0: Perfect.\n\nChannel 1: but I'll just do a manual send and receive.\n\nChannel 0: And then what I'll do too is I'm gonna shoot it through from my email address directly as well. Most of the times, it's pretty instant, but I have had twice where it came through after about three, four minutes or so.\n\nChannel 1: Okay.\n\nChannel 0: So I'm just gonna do another attachment as well. Statement of advice. Two won't be too sexy, Carl.\n\nChannel 1: Yeah.\n\nChannel 0: So how's everything been going with you guys? Easter was fun. Easter was crazy. Going through all the fun investment stuff, you've got all kinds of things going on.\n\nChannel 1: Yeah. The Easter was pretty standard for us. We usually try to get back to the South Coast where we used to live, and our friends down there have a a small farm, and they used to be our neighbors when we lived down there. So the girls are relatively all the same age. So we all drove down there together.\n\nSo we did Gladstone to Dubbo. Dubbo and then Dubbo to Tumut and then spend a night with Belinda's family, and then we did Tumut to the South Coast. And then we had five days there. Then Belinda flew home from Murumbula. Me and the girls stayed for another five days and then drove home around two days ago.\n\nYeah. So that's always good. Jason and kids\n\nChannel 0: Oh, yeah.\n\nChannel 1: just being kids and, yeah, all that sort of stuff. Today, is it? No? What's that? Is that collapsed or is that open?\n\nOh, there's nothing right now. Okay.\n\nChannel 0: And did you cut much from the the fuel issues driving around so much at the time?\n\nChannel 1: No. Except for the the fact that it's ridiculously expensive, but thank you to the Queensland government state taxpayers who finally have agreed to pay for my fuel.\n\nChannel 0: Yeah.\n\nChannel 1: It wasn't too much of a burden for us, but There was no shortage. There was no shortages. There was no yeah. Nothing.\n\nChannel 0: That's good. Just high price, but we're able to get there enough.\n\nChannel 1: Yeah.\n\nChannel 0: No\n\nChannel 1: Yeah.\n\nChannel 0: one's fighting over\n\nChannel 1: Oh, yeah.\n\nChannel 0: it. Mad\n\nChannel 1: Nothing.\n\nChannel 0: Max style.\n\nChannel 1: The ones come through from your address directly, but nothing\n\nChannel 0: Yep.\n\nChannel 1: nothing else has come through.\n\nChannel 0: That's alright. I'll hit a resend on that one, and it may come through a little bit later.\n\nChannel 1: Yep.\n\nChannel 0: The filtering's always a bit rough on the first one that we send. So\n\nChannel 1: Yep.\n\nChannel 0: we'll just go through that one that I sent through the the PDF attachment. Perfect. Now when you've got that open, if you can let me know if you can see that beachfront city picture,\n\nChannel 1: Yep.\n\nChannel 0: I'll run you through.\n\nChannel 1: Yep.\n\nChannel 0: And just before I do that too, I was having a look at the old hub account. It's kind of done a little bit of a bounce back recently, which is good. Not sure\n\nChannel 1: Yeah.\n\nChannel 0: if you've been logging in recently.\n\nChannel 1: I checked the other day. It was back to, like, 08:10, I think. So I haven't 08:09 maybe. I haven't seen where it's at in the last maybe week, if not, maybe less than that. Yeah.\n\nWhere is it?\n\nChannel 0: Yeah. The the volatility at the moment is daily at the moment. So this morning, it was at 08:11. They updated the unit prices at 3PM, and it jumped to $8.14 $6.80.\n\nChannel 1: Okay.\n\nChannel 0: So it's just thousands a day at the moment.\n\nChannel 1: Yep. Yeah. Yeah. And then you you might see I don't know. You you don't have visibility to QSuper, but I got a I gave QC accountancy authority to deduct the Div two nine three from super at the end of last year, but something happened and it slipped through the cracks, and they didn't do it.\n\nChannel 0: Okay.\n\nChannel 1: So I got a reminder the other day, but they added another 3,900 or close enough to $4,000 to that as well. And I thought initially\n\nChannel 0: Right.\n\nChannel 1: in the correspondence that I'd got that that was interest that was charged because the 4,500 wasn't paid on time. But digging a little deeper, Chris found that it was additional BCC contributions that hadn't been deducted or something. So they've done the div two nine three to come out of q super, and then they'll release the additional super, and I'll pay the tax on that so that I didn't go over the ECC again. So that'll be the next few days or something like that, but they're trying to take care of that. But yeah.\n\nChannel 0: Oh, fun. And did you get much of an an outcome out of the EBA negotiations?\n\nChannel 1: So we still we have got So the EBA has apparently gone through Fair Work, and it's and it's ready to be signed off. But they're holding off signing anything because GPC still have not provided any confirmation of those insurances, and\n\nChannel 0: Wow.\n\nChannel 1: they still haven't provided any clarification around there's a new set of medical standards coming in in Queensland that all pilots are gonna be tested to,\n\nChannel 0: Yep.\n\nChannel 1: And they didn't want to include anything about those medical standards in the EBA, so they said what we were gonna do was form a working group, which was gonna sit outside of the EA, and it was all gonna be discussed in a working group. But so far, they haven't committed any kind of time or personnel to that working group. So the delegates and staff are a little bit frustrated with like, also, we got a lot of the stuff we wanted in the EA. There's a lot of those key factors that they haven't come to the party on. So I'm not sure if they're gonna put it out to the members for a vote or what the goal is, but, like,\n\nChannel 0: Wow.\n\nChannel 1: financially, it's not too bad. It's well, they can only go because we're a GOC, they can only go up in increment as what the government wages policy is. And so where that bit us in the ass is that the the port negotiated before the government changed in Queensland. So they negotiated their agreement under the old government wages policy, which was four and a half, four and a half, four or something like that. And then\n\nChannel 0: Yeah.\n\nChannel 1: when the new government came in, they set the wages policy at two and a half, two and a half, three. So there was no way to bargain outside of that wages policy, which I think is what the teachers are going through at the moment as well.\n\nChannel 0: Oh,\n\nChannel 1: So,\n\nChannel 0: jeez.\n\nChannel 1: but we did get a couple of other things that they got through. So it'll end up being a pretty good package in another three years or something like that. But\n\nChannel 0: Yeah. It was\n\nChannel 1: yeah.\n\nChannel 0: just a bit disappointing not to figure out what the go was with those insurances because, like you said, that's such a big a big thing whether it's been sitting there all these years or if it's currently on offer, makes\n\nChannel 1: Yeah.\n\nChannel 0: a huge difference for every employee, her advisers, their strategies, all that kind of thing. It's just yeah. I guess it'll take time, these things do, but it'd be nice to know what the goal is with it.\n\nChannel 1: Oh, and, like, for me, I've been there for, you know, five days compared to a lot of people, like, nearly four years. There's guys that have been there for twenty years that are going, hang on a sec. If I've been paying 5 to $10,000 a year for these insurances, and\n\nChannel 0: Yeah.\n\nChannel 1: you're telling me I've been covered this whole time, like, that's substantial.\n\nChannel 0: Absolutely.\n\nChannel 1: Okay.\n\nChannel 0: And that'll be a fight. Like, if if they find out that there's been insurances for all these years, it it's class action territory.\n\nChannel 1: Yeah.\n\nChannel 0: I don't think they'll just jump at the chance to pay everyone back their premiums, and it'll be all these individual cases with individual figures. Everyone will pull together. All kinds of things can come from it. So I guess that might be part of the delay too.\n\nChannel 1: Yeah. Possibly. Yeah. Yes.\n\nChannel 0: Well,\n\nChannel 1: So I've got the PDF open here in front of me with the mountains or whatever it is there.\n\nChannel 0: beautiful. It should be a bit of a beachfront Gold Coast looking thing.\n\nChannel 1: The\n\nChannel 0: And\n\nChannel 1: other\n\nChannel 0: the reason\n\nChannel 1: top. Must be the other one. This one's, like, grass house mountains.\n\nChannel 0: ah, perfect. Hang on a second.\n\nChannel 1: Oh, yep. Got the beachfront one now. Yep.\n\nChannel 0: Perfect. So that should be the right email then because I only attached that one document from my personal one. So, hopefully, this\n\nChannel 1: Okay.\n\nChannel 0: one's come through with both. That's fantastic. The other\n\nChannel 1: Yep.\n\nChannel 0: one's just the appendix with links to all the investments.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Actually, this one was really fun to write because, obviously, everything that was going on recently in the markets, we're again, I've scoped this right down to just the the portfolio review while everything else is kind of pending with the property SMSF insurances and so on. So it's\n\nChannel 1: Yep.\n\nChannel 0: purely just investment based. And\n\nChannel 1: Yep.\n\nChannel 0: I had a lot of fun trying to, I guess, restructure your portfolio a little bit, and it's quite quite custom. It's kind of a bit of a work of art for me. I'm very proud of it.\n\nChannel 1: Yep.\n\nChannel 0: But\n\nChannel 1: Yep.\n\nChannel 0: some of the information here will obviously be a little bit out of date because it was\n\nChannel 1: Okay.\n\nChannel 0: based on some discussions we had towards the end of the year. It's\n\nChannel 1: Yeah.\n\nChannel 0: got most of the goals are pretty accurate. We're talking about if you scroll down to page sort of three and four, it'll have your scope of advice.\n\nChannel 1: Yep.\n\nChannel 0: So, again, we're focusing on the super. I did include a little bit of estate planning just to make sure your wills and power of attorney and everything are up to date. But do you remember when we're kind of going through a bit of a long term goal for about 3,000,000 was kind of the end target for you guys?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So that's kind of the main thing I've factored in. On the next page where it's got not considered or limited scope, I've\n\nChannel 1: Yep.\n\nChannel 0: just put out the insurances for the time being, but I have factored in, you know, premiums and everything. And then\n\nChannel 1: Yep.\n\nChannel 0: once we've got an idea, we can make some changes there because I would I would love to be able to close down the old QSuper, get the insurances moved around. If you've got an employer policy, that'll be\n\nChannel 1: Yep.\n\nChannel 0: much better for you.\n\nChannel 1: Yep. And from my understanding, once the new EA is in force, there will no longer be\n\nChannel 0: Like\n\nChannel 1: legislative\n\nChannel 0: fund restrictions.\n\nChannel 1: requirements for us to have QSuper at all. So\n\nChannel 0: Yeah.\n\nChannel 1: the 12.75% will be paid regardless whether you have QSuper or not.\n\nChannel 0: Awesome. And I've also based the contributions on that as well because I think we had\n\nChannel 1: Yep.\n\nChannel 0: your income at about $3.30. And the statement we have from QSIP, I think $42 went in, worked out\n\nChannel 1: Yep.\n\nChannel 0: perfectly at 12.75. So\n\nChannel 1: Yep.\n\nChannel 0: that's just kind of what the projections are based on.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. I've just scoped out everything else in terms of cash flow, debt investment, and self managed super fund just until you figure out what you're doing with the the rapid repay guys. So\n\nChannel 1: Yep.\n\nChannel 0: this is just purely portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Now if you flick through to page seven and eight, this is probably the part that'll be the most out of date, but it's just your your current details. So\n\nChannel 1: Yep.\n\nChannel 0: we've got yours, the commercial maritime pilot, 330, phone number, email address. And on the next page, we have some old figures for, like, your your home value,\n\nChannel 1: Yep.\n\nChannel 0: mortgage, and so on. Again, if that's changed if you've taken equity out and got properties, obviously, that's a bit different, But\n\nChannel 1: Yep.\n\nChannel 0: that's kind of the the last snapshot that we did together.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Is all that looking pretty okay from what you can see?\n\nChannel 1: They'll I mean, there'll be a few changes in the assets and stuff like we sold Belinda's Purrado. She's got a little BMW now, so we don't have as much in the Asset value. Assets.\n\nChannel 0: Yeah.\n\nChannel 1: Home and contents and stuff, I think, would still be the same. The house value was I don't know what we put in there, but 1.7 it was 1.6 bank valuation and 1.7 to 1.8 real estate valuation. Same.\n\nChannel 0: Yeah.\n\nChannel 1: So that's probably still right. The personal loan, I think it's probably a little bit less than that now, but it's, yeah, right around. And we have taken out so the mortgage will be at 1.28, but that's with a $180,000 basically line of credit sitting there ready to if we decide to purchase a Equity release. Investment property. So we did an equity release of 180 k, which is sitting there in a phone account at the moment waiting to decide if we do a investment property with Infinity or not.\n\nChannel 0: Perfect. So it's been released.\n\nChannel 1: Yep.\n\nChannel 0: It's there, but it's not been used yet, but it's\n\nChannel 1: Correct.\n\nChannel 0: just kind of\n\nChannel 1: Correct.\n\nChannel 0: sitting there in cache.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So I guess it'd be offsetting itself\n\nChannel 1: Yep.\n\nChannel 0: on the loan value as\n\nChannel 1: Yeah.\n\nChannel 0: well, wouldn't\n\nChannel 1: Yeah.\n\nChannel 0: it?\n\nChannel 1: Yeah. I think we're paying about $27 a month on it or something like that. Well, it is only because they I didn't see it sitting it was sitting there for, like, forty eight hours or something before I moved the money back into the loan. But Yeah. Yeah.\n\nAnd\n\nChannel 0: Yeah.\n\nChannel 1: moving forward, while we don't spend it, we shouldn't be paying anything on it. Yeah.\n\nChannel 0: Yeah. Exactly right. Like, there'd be some kind of minimum repayments and everything, but it'll all just be capital off the loan. All the interest will be off.\n\nChannel 1: Mhmm.\n\nChannel 0: Should be fine. And that's one thing just before I jump into the meat and potatoes of it. So when I noted down, like, the goals and everything, you remember when we were talking around Christmas time around the the farms, whether you do it at 50, 60, that kind of thing? What are you guys\n\nChannel 1: Yep.\n\nChannel 0: thinking these days when it comes to moving out to the farm? I know you were kind of pausing it for a little while now that you've, I guess,\n\nChannel 1: Well,\n\nChannel 0: figured out what it's like.\n\nChannel 1: we we think differently about it all the time, but I guess the latest iteration that we've sort of had with it is that we're very content with what we have here. And I guess as we get older, like, Belinda's put it to me is that, you know, do we really want to necessarily start working harder and and learning how to run a farm and all that stuff as we get older? Or is it more that we just want somewhere that we\n\nChannel 0: The\n\nChannel 1: can\n\nChannel 0: space.\n\nChannel 1: go where we've got space and we can go boat hunting and we can camp and all that stuff, and we've just got that available to us. So we've started kind of more thinking that that's probably the line we wanna go down. And I think as we've had these SMSF discussions with, you know, not only, like, you guys in a adviser type role, but talking to more people that we've met up here that have done it and stuff is that, you know, we've put ourselves in a good position with our super and and the projections and all that sort of stuff is, you know, do we look at buying a small well, there's, like, say, 500 acres down at the New England area, which is a a sheep farm that has plenty of deer on it and all that stuff, 550 acres for $500,000. And, you know, that's a 88 and a half hour drive from here. And just having something that we can escape to, but we're not shackled to from a living and working arrangement kind of thing.\n\nSo as much as I think initially, we we kinda you know, and that's still not off the cards down the track. You know, it might be that we find that that's exactly what we do want, and we do want that for the girls later on. But at the moment, I don't think either of them would be particularly interested in, you know, all of a sudden taking on a a farming a proper farming role outside of a hobby farm, but having somewhere we can go that has a shack on it or something like that that we can get away to. I think it's probably more leaning that way. I've got a link to a property here.\n\nAnd I guess having that initial discussion with the New Haven guy, but also then having a discussion with Chris from QC Accountants, having the discussions with you, It's something that I didn't really know a lot about or know what the possibilities were with it. And I think it's probably changed our thinking a little bit as well. So, yeah, that's probably the, I guess, the biggest change to the goals, if you will, is to try and maybe get into something sooner, but have it as somewhere as just that we can escape to but continue to live here and try and pay our mortgage out here.\n\nChannel 0: Yeah. Would you say it's, like, I'm getting the sense from my first conversation with you when we met in the office to Christmas time until now. Are you guys slowly leaning more towards, like, lifestyle over financial, would you say? Is that accurate?\n\nChannel 1: We want financial in terms of paying this place off, definitely, but lifestyle as in we want somewhere to escape to as well. Like, we want the best of both worlds, I guess, you could put it down to. What we have here is pretty special, and I think it would be very selfish of us right now to look to move away from that. And like I keep saying to Carlos, yeah, I don't physically wanna buy us a job for retirement. I wanna retire and enjoy retirement.\n\nIf we wanna go traveling, we can just lock up and go kinda thing where if we buy ourselves a farm at the age of 50, we kinda can't do that.\n\nChannel 0: Yeah.\n\nChannel 1: So I guess we're looking at it from different perspectives as much as I would love that 100%. I don't love the idea of it being something that we're tied to, and it's gonna restrict us with the other things that we wanna do as\n\nChannel 0: And it's also possibly not necessary. Right? Like, it's it's a really cool idea to have that extra revenue source. But if you get enough funds and assets under the belt where you don't need to do that,\n\nChannel 1: well.\n\nChannel 0: why\n\nChannel 1: Yeah.\n\nChannel 0: put on that extra burden, stress,\n\nChannel 1: Yeah.\n\nChannel 0: that kind of thing\n\nChannel 1: Yeah.\n\nChannel 0: at\n\nChannel 1: So\n\nChannel 0: that time when what you want is that escape?\n\nChannel 1: yeah. And I think it is more we're looking for something that will be a lifestyle thing where Kyle can go hunting on it, and we can go camp camping and take the motorbikes out there, and and Mia can ride around in on it and bring friends and fishing or shooting or whatever it is. You know?\n\nChannel 0: Yeah.\n\nChannel 1: And and that sort of block is not necessarily the best farming block. It's more just to have somewhere to go to escape to. And yeah. I don't know. I think it's and trying to look at how we can do that in a quicker time frame, like, I guess, is like, you know, whilst we're not old yet, we're also not young, and I wanna\n\nChannel 0: Yeah.\n\nChannel 1: have that place to enjoy before we are too old to enjoy it, if that makes sense. So\n\nChannel 0: It does.\n\nChannel 1: looking\n\nChannel 0: It's\n\nChannel 1: at\n\nChannel 0: kind\n\nChannel 1: what\n\nChannel 0: of like\n\nChannel 1: options\n\nChannel 0: the pictures slowly starting to form. You know? Like, the more you investigate and talk to people and figure it out, both of you seem to be just painting this picture of the life that you actually want, and\n\nChannel 1: Yeah.\n\nChannel 0: it just slowly outlines now the colors filling in, and then you can start to see it becoming a bit more real in your mind.\n\nChannel 1: I think we have some pretty frank discussions with our friends when we go back to the South Coast. They're probably our two closest friends. And, you know, when you're sitting around the fire and you have conversations like, oh, if someone turned around and gave you a million dollars now, like, is that life changing? It's life changing in the sense that you would pay your house out or something like that. Then you go, well, if someone gave you 5,000,000, like, what, like, what would you actually do with it?\n\nLike, because if you can't even put down on paper what you're doing it for, then none of the goals are realistic anyway. Because if you turned around to me tomorrow and said someone's given you $2,000,000 what are you gonna do? Well, we would pay this house out and we'd probably look for a lifestyle block. And I think when you start thinking about it at a base level like that, that's when things start to become quite clear. Like, it's easy to write down, I wanna retire with $3,000,000 Yeah.\n\nBut what for? Like like, is it just to make sure the girls are well set up? Yeah. But I still have a lot of living that I wanna do between now and then, and I wanna think about, well, how can we get the Infiniti stuff we're doing now? We want a rapid repay.\n\nWe with that structure, like you said, there's a lot of people who can't do it. We've only done it now for six weeks. Six weeks? Eight weeks? Six weeks?\n\nHow long? Yeah. A month. Well, yeah, six weeks. Yeah.\n\nAnd for the first time in twelve months or longer, we've put an extra $6,000 into the mortgage,\n\nChannel 0: Yeah.\n\nChannel 1: like, which we haven't even considered that since we've been here. So that side of things, I think, is finally starting to tick over in a structured way. And then it's about like, well, okay, how do we look and you know, because obviously it was Infiniti that made us go to New Haven and talk about the SMSF, and it's probably not gonna be anywhere nearly in line with their process. But their process for us is primarily the rapid repay and the mortgage reduction, whether or not we invest in a $1,000,000 house on the Gold Coast in our SMSF or whether we go well, actually, it's probably more important to us to look for one of these. Like, as long as it passes all the requirements, the arms, legs requirements, and the genuine business and all that sort of stuff,\n\nChannel 0: Yeah.\n\nChannel 1: it would probably be more in line with our values. And, you know, you would probably agree from the conversations that we've had, it would mean more to us if we've got our super still getting invested, making smart decisions, building and all that, but we've managed to acquire something that we can actually then access, but it's sitting there as a little sheep farm or something like that meeting all the legislative requirements. But it starts to then we start to look and go, hey. We've actually now sort of got everything we want in life, and we can really just dial in. So\n\nChannel 0: Yeah. Absolutely. I'm noticing it more and more the more people I talk to. Like, a couple of things when it comes to goals and lifestyle is everyone's kind of trying to play out a retirement that someone else had the idea of.\n\nChannel 1: Yep.\n\nChannel 0: You know, you hear people come in the office and they say, I want financial freedom. What does that mean? Oh, I want a million dollars and go on holidays. But then when they actually come\n\nChannel 1: Yes.\n\nChannel 0: crunch time, they realize that's not what they want is to start enjoying life when you're 67 and have missed out for twenty years prior when you could have had the energy to do so. You\n\nChannel 1: Yes.\n\nChannel 0: know what I mean?\n\nChannel 1: Yes.\n\nChannel 0: Oh, man. And it comes down to the financial side of things too as everyone's trying to build all of the the property portfolios and share portfolios and all this kind of thing, and it's just about, is that actually what you wanna do at the end of the day? There's all these different avenues and options, but why waste a decade trying to build someone else's dream just because that's what everyone thinks everyone should do. So I'm with you guys on that a 100%.\n\nChannel 1: Yeah. Yeah. So, yeah, in a long winded way, that's probably the main ways that I I think our goals are probably shifting and becoming more realistic, but also more solidified or the scope changed slightly as we've probably got a little more educated, I guess, is one way to put it. Can you talk\n\nChannel 0: Yeah.\n\nChannel 1: to Tommy\n\nChannel 0: And\n\nChannel 1: for a sec while I get this thing?\n\nChannel 0: that's\n\nChannel 1: Yeah.\n\nChannel 0: pretty well eloquently put. Would you pretty well agree, Belinda, with everything you said?\n\nChannel 1: Yeah. Yep. Absolutely.\n\nChannel 0: Cool. Alright. I'm gonna dive through some of these figures in a second there as well.\n\nChannel 1: Yep.\n\nChannel 0: When it comes to, obviously, the SMSF side of things again, just work with Chris on all of those rules and regulations. I've I've had a few really fun ones in my career where I had a guy who really wanted to have a, amusement park and bought that through an SMSF, lived in it as well because he was kind of like an on-site manager for his own amusement park. But, hey, that's what he wanted was it was the same thing with property management. You know, you've got people who look after, like, a a unit building, but they live in to manage the rentals.\n\nChannel 1: Yes.\n\nChannel 0: They were able to kind of buy that that business, that property, still kind of live there because they were working out of it. It was probably the the coolest way to use it and still make it legal.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: This guy was the Optimus Prime Superfund, and he bought this amusement park. And he's just living his best life at the moment, running an amusement\n\nChannel 1: Yeah.\n\nChannel 0: park that he lives and works out of. So all kinds of things can be done. Just be careful with it. You don't wanna be tied up with something where you want it for the lifestyle asset, but then all of a sudden you get forced to sell it to get it in your name in retirement. Just be careful as you step through, but it's\n\nChannel 1: Yeah.\n\nChannel 0: a pretty cool idea. Absolutely.\n\nChannel 1: Yep.\n\nChannel 0: All kinds of things can be done. So this one today is really, really simple.\n\nChannel 1: Yep.\n\nChannel 0: Carl, do you remember the email I sent you around the the market risks we were going over together? So all I've done is just build this portfolio. I haven't changed the risk level. It's still growth. It's still\n\nChannel 1: Yep.\n\nChannel 0: four out of five. Contributions are still going in. It's mainly just about forward looking for the investments in the market.\n\nChannel 1: Yep.\n\nChannel 0: So what you'll sort of see if you go through to pages about twelve thirteen, you'll see risk profile, just maintaining that growth allocation, and\n\nChannel 1: Yep.\n\nChannel 0: then it's kind of got the strategy page itself.\n\nChannel 1: Yep.\n\nChannel 0: So the two main recommendations in this document is do a bit of a rollover from QSuper to do a bit of a top up.\n\nChannel 1: Yep. Yep.\n\nChannel 0: I've recommended $12 stays there just because the way that premiums are looking, You kind of want a couple of year buffer. I'm\n\nChannel 1: Yep.\n\nChannel 0: happy to be guided by you on that, but 6 is the minimum. 12 covers you for two years in case contributions stop all of a sudden.\n\nChannel 1: Yeah. No. That I'm just gonna get a quick snapshot now. So there's 72,000 in q super. So we can roll over 55 even if you want.\n\nThat'll leave $15.16.\n\nChannel 0: Yep.\n\nChannel 1: We can roll over 58.\n\nChannel 0: That would be perfect. QSuper is pretty good. We usually can put on the forms to maintain a minimum balance\n\nChannel 1: Okay.\n\nChannel 0: for what gets rolled over, and they can just\n\nChannel 1: Yep.\n\nChannel 0: do the excess.\n\nChannel 1: Yep.\n\nChannel 0: But you\n\nChannel 1: That's\n\nChannel 0: said\n\nChannel 1: fine.\n\nChannel 0: it was about 72 ish at the moment?\n\nChannel 1: Yes. $71.08 $6.08 or something. I just I just looked at sorry. 71628 as of today.\n\nChannel 0: Perfect. Now what I want you to do if you can, just because walls of text are never the most fun part of this industry, is if you skip past page thirteen, fourteen, 15 where it's got all of the strategy text, I'll just kind of show you in the actual figures what the pros and cons are, and\n\nChannel 1: You\n\nChannel 0: you should\n\nChannel 1: see\n\nChannel 0: see\n\nChannel 1: so we're looking at\n\nChannel 0: investment\n\nChannel 1: 19?\n\nChannel 0: table, big blue one. Yeah. It's 16 on the header and 17 on the the PDF itself. It's like a blue investment table, red heading.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Cool. It should be a big smattering of figures. Lots of red, lots of black.\n\nChannel 1: Lots of red. Yep.\n\nChannel 0: Yep. Perfect. So what this table basically shows, we've updated our documents a little bit. It just shows buyers and sells between what you have and what we're recommending. The main thing that this does, all the ones at the top, we're rebalancing because the market's gone crazy the last twelve months since we last spoke, and\n\nChannel 1: Yep.\n\nChannel 0: a whole bunch of your investments are just going out of skew. They've gone really high, really low. They just need to be brought back to middle ground.\n\nChannel 1: Yep. Yep.\n\nChannel 0: The three risks that we were talking about, Benelon Australian shares. There was some underperformance there compared to\n\nChannel 1: Yep.\n\nChannel 0: the market, so we're replacing that one.\n\nChannel 1: Yep.\n\nChannel 0: And that's all towards the bottom. If you go on the next page, it's kind of there's three options split off there. You will see Alfiniti,\n\nChannel 1: Yep.\n\nChannel 0: shares, government, and iShares. Can you see that? So that's the three new options.\n\nChannel 1: Yep.\n\nChannel 0: Alfiniti\n\nChannel 1: Okay.\n\nChannel 0: is a like for like replacement of Benelong. Do you possibly have Google open at the moment?\n\nChannel 1: Yes.\n\nChannel 0: I wanna show you guys something because this is kind of very sort of top level comparison.\n\nChannel 1: Yep.\n\nChannel 0: Can you Google for me Benelong Australian shares? And you should see the website, the top result should be Benelong Australian Equities Fund, b\n\nChannel 1: Yep.\n\nChannel 0: a e p.\n\nChannel 1: Yep.\n\nChannel 0: If you open that one up, it'll give you this little snapshot of what this current one does. If you scroll down, it it should be kind of like a goldy orange color.\n\nChannel 1: Yep.\n\nChannel 0: If you scroll down on that first page table, in the middle of that table, it says fees and charges, management fees 1%.\n\nChannel 1: Yep.\n\nChannel 0: And then if you hit the performance tab, all you can see on the left hand side is a whole bunch of negatives.\n\nChannel 1: Yep.\n\nChannel 0: So I was talking to Savi and Bart about this around Christmas time. Most of the times when a fund underperforms, you give it twelve months to bounce back, and we dug a bit deeper. There's a lot of people who exited that fund as far as investment managers. The guy who built it disappeared for a few years on holidays and things like that, and they've just kind of gone off away from the pack in a bad direction.\n\nChannel 1: Yes.\n\nChannel 0: Now if you go back onto Google and\n\nChannel 1: Yep.\n\nChannel 0: actually type in Alfiniti with a p h, Australian\n\nChannel 1: Infinity\n\nChannel 0: share funds,\n\nChannel 1: Investment Management or sustainable share fund? Australian share fund.\n\nChannel 0: Australian share funds.\n\nChannel 1: Yep. Yep.\n\nChannel 0: You'll have a pretty similar setup. You go down below. There's a table management fee in the middle, 0.9%, and it's a blue website.\n\nChannel 1: Yeah. I got the blue website. And\n\nChannel 0: And it depends on if you're on the Australian share fund page or if you just go up to that little drop down for their funds, and you should\n\nChannel 1: Yeah.\n\nChannel 0: see\n\nChannel 1: Our funds, Australian\n\nChannel 0: yep.\n\nChannel 1: share fund or concentrated fund. Yep.\n\nChannel 0: The one at the top. Yeah. Australian\n\nChannel 1: Yep.\n\nChannel 0: share funds. If you hit\n\nChannel 1: Fund\n\nChannel 0: the\n\nChannel 1: overview,\n\nChannel 0: performance\n\nChannel 1: video\n\nChannel 0: figure on\n\nChannel 1: overview,\n\nChannel 0: that one\n\nChannel 1: fund performance and characteristics, form benchmark. Yeah. Five years. 0.9%. So slightly lower management fee.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: And then if you hit the performance there, this is over one, three, five, seven, ten years.\n\nChannel 1: Yep.\n\nChannel 0: They're in\n\nChannel 1: No.\n\nChannel 0: the positive the whole way along, and they've outperformed the market in every single time period.\n\nChannel 1: Yes. Yes.\n\nChannel 0: So with everything going really well, I was looking at your your super today. Your your gold option had gone up a 107% for the year, which\n\nChannel 1: Yep.\n\nChannel 0: was brilliant. It's just trying to bring your Australian shares in in the line of same quality.\n\nChannel 1: Yep.\n\nChannel 0: Now I won't do the same thing for the other two in that statement of advice. Government inflation linked bonds was just because when inflation kicks up, your safe investments are gonna be pegged alongside it, so their interest rate will go up with inflation.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So if that jumps up three, four, 5%, your fixed interest jumps up with it.\n\nChannel 1: Yep.\n\nChannel 0: And the other one was just really, really strange currency risk. Investing in American shares\n\nChannel 1: Yep.\n\nChannel 0: when the market goes up 15% and your super has only gotten a 6% return, we ask why. We find out because they're using US Dollars to Australian dollars. When that money comes across and they convert it, there was a huge split between the US dollar and you lost out that 9% of the returns there. So I've\n\nChannel 1: Yeah.\n\nChannel 0: split it with some currency hedging. It's a tiny bit more expensive,\n\nChannel 1: Yep.\n\nChannel 0: but it eliminates that risk.\n\nChannel 1: But that is that shared government inflation one, the one that you were saying you were comparing it to the inflation bonds that you could get in The UK that you couldn't find a product the same in Australia? Is that what you found?\n\nChannel 0: Yes. That's the one that I found. Our we were talking do you remember Sevi talking about the SMA that we were building or\n\nChannel 1: Yeah.\n\nChannel 0: Bart\n\nChannel 1: That's\n\nChannel 0: was\n\nChannel 1: the\n\nChannel 0: talking\n\nChannel 1: other\n\nChannel 0: about?\n\nChannel 1: BlackRock BlackRock ones.\n\nChannel 0: Yeah. They found on the market this inflation linked government bonds option for the SMA, and I saw the idea.\n\nChannel 1: Yep.\n\nChannel 0: I liked it, had a look at it, compared it, and went, that's perfect for this, and that was\n\nChannel 1: Yep.\n\nChannel 0: the last piece of the puzzle.\n\nChannel 1: Yep.\n\nChannel 0: So this is your own fully custom portfolio now. No one else\n\nChannel 1: Yep.\n\nChannel 0: has this one in Australia,\n\nChannel 1: Yep.\n\nChannel 0: and it's just for you, mate. If you go down to the next page, lovely little pie chart, we're just keeping everything in that 80% range for the growth assets. Up to you again, my last email where I was talking about, do we use this as a buying opportunity? Do we kick up a foot on the gas a little bit at some point? Do we reduce risk?\n\nThis is, again, just keeping it same risk level. Not\n\nChannel 1: Yep.\n\nChannel 0: too high, not too low.\n\nChannel 1: Yep.\n\nChannel 0: I think looking at the portfolio currently, 15% was the return for the year after fees and taxes and premiums, which was pretty good. And I've just updated the projections in that table on page 19.\n\nChannel 1: 90. Yes. That's I mean, five years, months, and then ten years. Yep. So ten years\n\nChannel 0: Yep.\n\nChannel 1: is 53. We're at 1.6. Yep.\n\nChannel 0: Yep. So\n\nChannel 1: Yep.\n\nChannel 0: my best estimation is between 50 and $100, give or take. Market's gonna fluctuate. Things will even out. I would love it if the world kind of relaxed a little bit for five years and we go back up to getting 15 to 25% returns and you go up to 2 mil in ten years. But\n\nChannel 1: Yep.\n\nChannel 0: until that's settled down, we're just getting a bit more conservative with it.\n\nChannel 1: Yep. And you'd rather like, I remember saying right at the start. It's all well and good. Like, I think if I went back right to the first statement of advice I got from Oakview when I very first come across, and that was in amongst all the super reviews and all that. Like, I remember some of\n\nChannel 0: Yeah.\n\nChannel 1: the figures\n\nChannel 0: Yeah.\n\nChannel 1: were like 3,400,000.0, you know, that projection and all this stuff. But without any projection, you've got no you've got nothing to base your decision making on. Whilst you understand they are projections, you would rather have a conservative projection and beat it than have an inflated projection and continuously fall\n\nChannel 0: Yeah.\n\nChannel 1: below it. So\n\nChannel 0: Yeah. You're exactly right. I had a bit of a mentor. I've had two main mentors in the in the industry, and one of the guys, he worked very heavily in estate advice for people with deceased estates, family issues, people passing away, and so on. And he said, basically, our job is to get people to their goal with the least risk necessary.\n\nThere's no\n\nChannel 1: Mhmm.\n\nChannel 0: point taking excessive amounts of risk to try and shoot for the stars and get everyone rich and $1,020,000,000 dollars and all this kind of thing if you don't need to do it. You don't need\n\nChannel 1: Mhmm.\n\nChannel 0: to be high growth. We could put your super into some leverage investments where it borrows money, and you're investing at a 160% growth assets, and I can show you a 35% return or something like that. But it's just not it's just not necessary. It's supposed\n\nChannel 1: Mhmm.\n\nChannel 0: to be a steady ship that you have a high chance of hitting your goal, not saying I'm gonna shoot for the stars and and miss it by a million dollars because we went crazy.\n\nChannel 1: Yes.\n\nChannel 0: So I've always been pretty conservative. I've always said that when you're in a growth portfolio, you need an eight to 9% average return. We're obviously aiming for as far into double digits as we can, but, again,\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: bouncing between eight or nine average. And if you're consistently getting twelve, thirteen, 14, that's fantastic, but you still need that amount to hit to your goal.\n\nChannel 1: And, obviously, like, the other thing that you can't take into account is, like, as my salary continues to go up, then the contributions inherently have increased also, like,\n\nChannel 0: Yeah.\n\nChannel 1: just with, like, by November 2027, if we just get the base level pay rises, our salary package will be 374,000 a year. Then with our LNG allowance on top of that, that'll take it to 427,000. That\n\nChannel 0: Yeah.\n\nChannel 1: takes our super to 54 and a half thousand a year, which is a 482 and a half thousand package in three years, two and\n\nChannel 0: Yeah.\n\nChannel 1: a half years.\n\nChannel 0: And that's the thing. Because you're in your your forties now, like, if you try and project out twenty five years of all the lifestyle changes, economic cycles, you just become wildly inaccurate. Whereas\n\nChannel 1: Yes.\n\nChannel 0: my philosophy has always been, let's continuously improve everything over five to ten years, try and get you a better outcome, better outcome bit by bit. And then once you hit that last ten year stretch, you've got to protect what you've built.\n\nChannel 1: Yes.\n\nChannel 0: Once you've got that few million dollars, let's slowly protect it more and more so you don't lose it all just before retirement, and\n\nChannel 1: Yep.\n\nChannel 0: then we can do an analysis.\n\nChannel 1: Is\n\nChannel 0: And we can go, okay. This is how long it's gonna actually last. There's no point\n\nChannel 1: there\n\nChannel 0: me telling you 5,000,000, you're gonna last for a 100\n\nChannel 1: is there any benefit to me contributing to Belinda's\n\nChannel 0: years.\n\nChannel 1: super or something to that effect?\n\nChannel 0: If you can just briefly remind me, Belinda, were you sitting on, I don't wanna guess, but around the\n\nChannel 1: She's gone\n\nChannel 0: 40\n\nChannel 1: outside,\n\nChannel 0: five\n\nChannel 1: so\n\nChannel 0: months?\n\nChannel 1: she's just yep. She's got just under a $100.\n\nChannel 0: And what about income level?\n\nChannel 1: 65. She's just getting a pay review at the moment, so she'll probably settle around maybe 90. So\n\nChannel 0: Okay. K? So what you\n\nChannel 1: What?\n\nChannel 0: won't be able to do is, like, spousal contributions, probably not the best idea. Usually, if they're, like, under 45,000, you get a bit of a benefit out of that. The only thing is some concessional contribution. So your money gets taxed heavily, comes into your bank account, do some salary sacrifice for her at some point or a contribution and claim it. If she's on 90 to a 100, get a bit of a benefit out of that.\n\nBut trying to get money from your name into her name, probably not gonna be the go. It's more if she was on, yeah, 45 and under, I would say.\n\nChannel 1: Yeah. No. I think the only reason I asked is, like, obviously, because I'm on a straight p a y g salary now. I didn't think there was any benefit to it. It was when the guys that were with the previous company who had the family trust and stuff set up and were getting paid the fully frank dividends and stuff, they were\n\nChannel 0: Yeah.\n\nChannel 1: tapping out their misses as super as well as their own, you know, with the view. That and I think also, like, I can't even remember how long ago it was now, Tommy. You probably remember, like, wasn't it at one stage that when you retired, you could only draw out a maximum of, like, 180 or 250,000 tax free each. So the idea was that if you both didn't have that much, like, there was no point you having a million and your missus only having a 100,000 to try and top her up to the point you could draw that tax free income out of both, but that's all gone now anyways. So\n\nChannel 0: Yeah. One of the things that's gonna come into play for you a little bit is when when you go through all of the investigations for property SMSF farms or that kind of thing, remember how we were talking about, like, family trusts and bucket companies\n\nChannel 1: Yep.\n\nChannel 0: and things like that?\n\nChannel 1: Yep.\n\nChannel 0: Similar things come into to planning when you're in your fifties for your super cap. So if you go above that one, I think it was 1,600,000.0 transfer balance cap. That's all you can move into, like, pension phase. The rest stays in accumulation, getting taxed higher.\n\nChannel 1: Yep.\n\nChannel 0: You've got estate taxes to worry about. So if it filters through past you guys to adult children, they cop a bit there as well. So all of those entities come into play down the line as well. So it's just something to be conscious of about at some point whether we start using something like that. And if you do get farm and so on, do we start using trust, market companies, income distribution, all that kind of thing?\n\nBut, again, how heavy do you wanna lean into running a farm, being employees, beneficiaries of a family trust as opposed to because, you know, the government's pretty pretty restrictive on that at the moment. If you just do\n\nChannel 1: Yep.\n\nChannel 0: it on paper, they still hit you with all the taxes. You have to actually prove that people are doing the things and receiving the money and so on.\n\nChannel 1: Yes. Did you get\n\nChannel 0: So\n\nChannel 1: that link that I sent you?\n\nChannel 0: on email\n\nChannel 1: Yes.\n\nChannel 0: let me have a quick look. There we go. Property link in Emerville.\n\nChannel 1: Yep.\n\nChannel 0: I don't think I've seen this one before. This is not one of the first couple that you sent me around\n\nChannel 1: No.\n\nChannel 0: Christmas\n\nChannel 1: No. This\n\nChannel 0: time.\n\nChannel 1: is only just this is something that we've looked at more so in the last, like, few weeks to a month. So that's\n\nChannel 0: Yeah.\n\nChannel 1: basically\n\nChannel 0: This is\n\nChannel 1: 8.\n\nChannel 0: the 500,000\n\nChannel 1: Eight\n\nChannel 0: you were talking about. Yep.\n\nChannel 1: hours south of here. Has a little shearing shared on it. Runs a\n\nChannel 0: Oh,\n\nChannel 1: couple\n\nChannel 0: that's did\n\nChannel 1: of\n\nChannel 0: that be a Glen Innes?\n\nChannel 1: yes. Yep. Exactly. Yep.\n\nChannel 0: Oh, wow. A bit of fossicking around there, like you said, fossicking,\n\nChannel 1: Paws\n\nChannel 0: hunting.\n\nChannel 1: picking, hunting, bow hunting, all that stuff. But I think for all intents and purposes for the meeting the requirements, you know, it would something like that where, you know, there's no there's no dwelling, so you're not worried about trying to, like, lease it back or anything like that. You could, if you needed to, adjust to someone to run their sheep on it, you know, so you were generating a little bit of income from it, and that's just somewhere\n\nChannel 0: Yeah.\n\nChannel 1: you can get away to.\n\nChannel 0: And that's the thing too. The cool thing about land is you run into less issues than with the dwellings because, again, if you have a dwelling and you're living in it and you don't have it all linked up properly with businesses and unit trusts and all that, you're gonna get in trouble. But no one's gonna know that you've just driven out to the property to go shooting.\n\nChannel 1: That's right. Yeah. Yeah. Yeah. Yep.\n\nSo, yeah, that's the sort of thing, I guess, that is starting to become at the forefront of our mind. And, you know, whilst whilst we're excited with what's happening with Infiniti and all that, like Belinda said to me, she got, you know, their idea of the SMSF is purely just because they wanna get you into more properties that they sell you, and it's just accessing more capital for them to sell you more property. That's fine. And I understand their theory, and that's great. But the rapid repay and us paying this place off is a completely separate entity or a completely separate goal to just us buying a million dollar property in our SMSF.\n\nIf we can\n\nChannel 0: Yeah.\n\nChannel 1: actually use that to direct us more towards what we call contentment, I think we're in a much better headspace than just having a million dollar property on the Gold Coast.\n\nChannel 0: And what if that's all you do? Because, again, with the those systems, getting lots of properties, selling them off, paying them off quicker, it's it's a fantastic compounding effect. And, look, I see it all the time on the Gold Coast. So many people just setting up an SMSF out of the blue. They've got LinkedIn with buyer's agents.\n\nThey can receive $20.40, $60,000 for selling the property to you, that kind of thing. Stacking properties in that way works very, very, very well. But the question I would ask is, what if this is all you do? You just pay off this place, buy this place, and build your super up. Isn't that the perfect outcome anyway?\n\nChannel 1: Oh, and that and, yeah, if Belinda was in here now and she heard you say that, I think that would be it. Like, if we can work out a way between us and you and Chris, because he said they can do the accounting and auditing and everything like that, to say, well, this is what we wanna do. We know what the super balance is, and then we relook at whether we're going to, you know, pay that like, if we were gonna buy that, would we buy it with $500,000 or would we buy it with a 50% deposit and then borrow the rest knowing that our contributions or part of our contributions could then make the repayments because they're not gonna be fuck all\n\nChannel 0: Yeah.\n\nChannel 1: on 250,000, let's say, to the point that it's owned and then the SMSF trust or the Bear trust owns it, and then that's it. Then you just keep stacking into our all of our rest of our portfolios and leave that just sitting there. You know? If that means when you do get to retirement or you're getting close to retirement, you might not want that anymore and you might sell that out of the SMSF or whatever you need to do. But if it could get us into something as an interim movement, mate, I think that would scratch so many itches for us.\n\nBut\n\nChannel 0: Yeah. Yeah. Yeah. I'm hearing you. So one last question for you then is what's the the ability for this like, you did mention leasing it out.\n\nWhat's the ability for it to generate any of the returns?\n\nChannel 1: I would only think it would be either adjusting it to one of the neighboring farms for for sheep. So it's obviously\n\nChannel 0: Yeah.\n\nChannel 1: set up to run sheep. Secondly, the property that it shares a boundary with is actually a bow hunting, fishing adventure property.\n\nChannel 0: Okay.\n\nChannel 1: They have a hut on their property, and they charge $380 a night for a minimum of three people to go out there and just it's just an adventure property. So they actually share a driveway with that block. So there's potential to do one or two things with it is run it as a little sheep farm and someone can put their sheep on it and pay you a monthly fee to have their sheep on there.\n\nChannel 0: Yeah.\n\nChannel 1: You could put you could set up a company and put your own sheep on there,\n\nChannel 0: Mhmm.\n\nChannel 1: and, like, you could do wool. It's obviously got a a shearing shed. You could do meat animals, or you could set it up so that it was somewhere that people can go and camp and bow hunt, and they pay you for that privilege. You know what I mean? Like, because a lot of those areas in the New England that are sort of 500, 1,000, 2,000 acres, you go down, you pay a 100 or $200 a night to camp there.\n\nIf they shoot a deer, it might be $200. If they shoot a goat, it might be $50. Like,\n\nChannel 0: Yeah.\n\nChannel 1: you are giving someone an opportunity to do something, but it's generating an income through just having the space. The other thing that Belinda said, and I quickly looked into it, but realized it was it's possible, but it's very, very difficult is using SMSF to buy farms for carbon credits.\n\nChannel 0: Yeah. Right. That's fantastic.\n\nChannel 1: The so the big the big thing, like, a lot of the farms that we visit up in the up in Cape York, there's a lot of them in the Riverina area. What happened was in the drought, when farmers had to sell their farms, super companies were buying them up, like snapping them all up and basically destocking them and making, let's say, it was four existing farms, then they would stock proof fence it, destock it to take all the existing stock off, and make it like one ten thousand acre property or something like that. And then they just use it as carbon credits. So then they would use that to offset their developments they're doing in Melbourne or Sydney and places like that. A lot of the really big properties up in Cape York are all just carbon credit properties.\n\nSo they once were like, one of the ones I go bow hunting on is 600,000 acres, and it used to be a huge, big, you know, thriving cattle property. They've just\n\nChannel 0: Yeah.\n\nChannel 1: destocked it completely, and now it just is an overgrown 600,000 acres, and I'll make more money from carbon credits on that block than what he makes from cattle farming.\n\nChannel 0: Jeez. That's\n\nChannel 1: The only\n\nChannel 0: it. That's\n\nChannel 1: thing\n\nChannel 0: it.\n\nChannel 1: I looked\n\nChannel 0: Yeah.\n\nChannel 1: into it briefly was that if you do do carbon credits, you have to lock in for twenty five or a hundred years. So that's where it's met with very significant, I guess, complexity. So we looked into that very briefly,\n\nChannel 0: Oh.\n\nChannel 1: but\n\nChannel 0: Yeah.\n\nChannel 1: if we can do it any other way, as in adjusting farm, like, you know, planning for whatever, that would be ideal for us.\n\nChannel 0: So one thing I'm thinking too is, you know how I was talking about people getting property management through SMSF and amusement parks and things like that?\n\nChannel 1: Yep.\n\nChannel 0: Let's say you've got an idea of we buy this and we add some cabins on it, right, just for argument's sake.\n\nChannel 1: Yep.\n\nChannel 0: Everything there from an investment retirement legal standpoint, it's all gonna be, like, market rates. So let's say there's a cabin on top and people rent it for a holiday, and one of those people just happens to be you guys once through that year, and\n\nChannel 1: Yep.\n\nChannel 0: you use the property and you pay a market rate, which is essentially paying your own super you're paying yourself. Do you know\n\nChannel 1: Yep.\n\nChannel 0: what I mean?\n\nChannel 1: Yep.\n\nChannel 0: The two things that you run into, which is not crystal in my mind, but I've seen it happen a lot, you're not really meant to improve the SMSF property. So most of the time, when you buy just a straight up house, people go, I wanna buy a fixer upper and renovate it and flip it. You can't do that.\n\nChannel 1: Okay. Yep.\n\nChannel 0: You can't add to it and improve it in that sense,\n\nChannel 1: Yep.\n\nChannel 0: so people generally buy commercial or new properties.\n\nChannel 1: Yep.\n\nChannel 0: The flip side to that guy who had the amusement park was 10% loan from the super through his business.\n\nChannel 1: Yep.\n\nChannel 0: And it was his business on the property, and the super was helping fund that and lease the property back. So it was a time between their business and\n\nChannel 1: Yep.\n\nChannel 0: this self managed super fund\n\nChannel 1: Yep.\n\nChannel 0: in two commercial ways, the business loan and the leasing of the property at commercial rates. So there's things that you can do there, but it then has to tie in your personal with your super, if that\n\nChannel 1: Yep. So\n\nChannel 0: makes\n\nChannel 1: there's a\n\nChannel 0: sense.\n\nChannel 1: guy up here guy up here that I met, and he has bought his farm, which is 600 acres up here in his super. So that's in one trust. Then his business or his other trust, it leases the farm off the super fund at market rates. So he\n\nChannel 0: Perfect.\n\nChannel 1: basically is leasing the farm back off his Superfund to farm his cattle and all that, but they're two completely separate companies and all that stuff. He was the first guy that I've met that's actually kind of, I guess, doing it in that way up here. There's another guy I met that he owns his farm in their trust, but his SMSF is so they've got a lease to buy the farm next door. So the SMSF is leasing the farm next door, but with an agreement off the property owner that once the once it's paid out, they'll transfer the title kind of thing. So they'll, like, live next door to them for years and years, and\n\nChannel 0: Yeah.\n\nChannel 1: that's what they're doing. So, yeah, I don't know. There's probably a whole bunch of ways that people are trying to get around it or whatever, but I think\n\nChannel 0: And it's cool\n\nChannel 1: for\n\nChannel 0: to\n\nChannel 1: us\n\nChannel 0: do. It just ties up loans, unfortunately. So, like, if\n\nChannel 1: yeah.\n\nChannel 0: you have to do a bit personal with your own company and a bit in the super, you just kind of have these two little debts that kind of interplay. And at some\n\nChannel 1: Yep.\n\nChannel 0: point, someone's gonna have to sell something to someone else. You\n\nChannel 1: Yep.\n\nChannel 0: know what I mean?\n\nChannel 1: Yep.\n\nChannel 0: In terms of entities, either\n\nChannel 1: Yep.\n\nChannel 0: you to yourself or you to someone else.\n\nChannel 1: Yep.\n\nChannel 0: And the last thing I wanted to say about that was just around when I asked about generating a return from the property.\n\nChannel 1: Yep.\n\nChannel 0: Even if it's not gonna be the biggest moneymaker, the flip side to that is, let's say you've got that goal we talked about before. House is paid\n\nChannel 1: Yep.\n\nChannel 0: off. You've got that property. You've got your portfolio on the side. If the retirement income need is less because you've got all these properties paid off and you've got the best of both lifestyle worlds, then you don't need that extra million dollars.\n\nChannel 1: Yes. Exactly. Yeah. Yeah. Yep.\n\nChannel 0: Yeah. As long\n\nChannel 1: Yep.\n\nChannel 0: as that's kind of the goal saying, k. Either we generate\n\nChannel 1: Yep.\n\nChannel 0: a return out of this to get what we were getting before or we\n\nChannel 1: Yep.\n\nChannel 0: accept it's gonna be a lower return but better lifestyle at the end, just\n\nChannel 1: Yep.\n\nChannel 0: a lower income.\n\nChannel 1: Yep. Alex say that that property is just an example if we can massage what that looks like. If it's half 1,000,000 or 600,000, you can look at alternatives. You know what I mean? But I think it's becoming more in line with what we are thinking, I guess.\n\nChannel 0: Yeah. No. I\n\nChannel 1: So\n\nChannel 0: love it. You guys have put it really eloquently and put a lot of thought into all of this, and I just love like, I've been kind of along the journey a little bit the last twelve months\n\nChannel 1: Yep.\n\nChannel 0: watching\n\nChannel 1: Well,\n\nChannel 0: all of\n\nChannel 1: longer\n\nChannel 0: this kind\n\nChannel 1: than\n\nChannel 0: of\n\nChannel 1: I am.\n\nChannel 0: formula.\n\nChannel 1: Yep.\n\nChannel 0: And just as you guys have gone from step one, two, three, four, five, I can feel you getting closer to it. And I know that you can feel that too. So you're gonna get there.\n\nChannel 1: Yep. Yep.\n\nChannel 0: I'll keep doing my best in the background with Sevvy doing our thing. If\n\nChannel 1: Yep.\n\nChannel 0: you need us, Chris, anyone else, just give us a call. And at some point, I just can't wait to see what you guys end up doing.\n\nChannel 1: How is Chevy.\n\nChannel 0: He's good. He's good. He's back. He's doing things. You know, Sev, he's an absolute bundle of energy, and I I barely see him for a couple of hours a day because he's just all over doing everything.\n\nAnd\n\nChannel 1: Yep.\n\nChannel 0: he's definitely a lot better a lot better since last year.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. He's just a bundle of energy at the moment. He's just really picked the office vibes up a little bit.\n\nChannel 1: Yes.\n\nChannel 0: I'll have to get him to to give you a buzz at some point and do a bit of a catch up. And, again, next time you're around, we'll take you out for lunch. But, yeah, he's definitely definitely on\n\nChannel 1: Well, we will we will try and get down there, obviously, again, when we for tax\n\nChannel 0: the\n\nChannel 1: and\n\nChannel 0: mend.\n\nChannel 1: stuff like that, and we'll try and tie that in and come down to stay for a night or two. Chris is really good with that. He's like, book yourself business class flights, come down, book yourself a nice accommodation. You've got to see your account and then your financial planner. So it's all tax deductible, and\n\nChannel 0: I love it.\n\nChannel 1: then we can go from there. So I guess summarize where we're at with exactly what we're looking at here. So we've got the statement of advice, which I'm all for with what we've been through for those changes to Alfiniti and and the inflation bonds or ETF and the other one.\n\nChannel 0: Yes.\n\nChannel 1: They're really the only changes in that statement of advice is those three.\n\nChannel 0: Yeah. It's pretty much a bit of a rebalance of the portfolio weightings, the\n\nChannel 1: Yep.\n\nChannel 0: replacement of the Bennelong,\n\nChannel 1: Yes.\n\nChannel 0: the addition of those three options, bit of a rollover from QSuper. Everything else is currently on pause in terms of property, cash flow, and insurances, and that's\n\nChannel 1: Yes.\n\nChannel 0: kind of our our next steps. And,\n\nChannel 1: Yes.\n\nChannel 0: hopefully, by tax time, we've got a bit more clarity around the work side of things, insurance, SMSF, and so on, and then we can just dive into all different directions.\n\nChannel 1: So if we wanted to look more intently into, say, doing something with a block like that one that I've sent you or something like that, what's the next steps with you guys through Oakview or through Chris to actually start looking at what that would look like.\n\nChannel 0: So the first thing you would do is, let's say, you find the property, you find the idea, shoot it through to Savvy, Chris, and myself so we can look over it together. We'll spitball\n\nChannel 1: Yep.\n\nChannel 0: some ideas and work out the kinks and figures. We can put an updated plan together, so usual statement of advice, all that kind of thing. When it comes to SMSF, accountants do the entities, advisors\n\nChannel 1: Yes.\n\nChannel 0: do the product and the strategy. So if we get a good plan together and everyone's happy with it, they'll set up the trust and the companies and everything like that. We'll\n\nChannel 1: Yes.\n\nChannel 0: set up the bank accounts and the investment accounts, and\n\nChannel 1: Yes.\n\nChannel 0: and we kind of dive into it. Couple of cool things we can do as long as we get the right bank account, such as like a a Macquarie cash management account or something like that, that'll facilitate all of your transactions, rental income contributions,\n\nChannel 1: Yeah.\n\nChannel 0: all that kind of thing. And then the even Hub twenty four now can do an SMSF owned account and just move all your stuff across in the spec sheet. Don't even have to sell it down. They can just bring\n\nChannel 1: Yes.\n\nChannel 0: it across with a with a click of a button. We would have to tie in if it's gonna be both of you guys and both of your supers, tie all that in together.\n\nChannel 1: Yes.\n\nChannel 0: And, hopefully, if you've got that EBA sorted and you've got choice of funds, it's much cleaner if you can have your contributions flowing through your SMSF bank account so that it's helping service the property and the loans and everything. And then\n\nChannel 1: Yes.\n\nChannel 0: you can distribute\n\nChannel 1: Yes.\n\nChannel 0: the funds and invest them from there into property and investments. Having to have funds go to q super and and Belinda's super and then an SMSF on the side and rolling funds around all year, that can be really painful\n\nChannel 1: Yes.\n\nChannel 0: so that the cleaner to set up the best.\n\nChannel 1: So can you potentially have it then like, so if I got all my super going into the SMSF and then say the q super was going in there and whatnot or what, Could Kyle then potentially split his super to have half of it going into his o q stuff and then half going into the SMSF?\n\nChannel 0: Yeah. You wouldn't even have to split\n\nChannel 1: Yes.\n\nChannel 0: it. So one of the things that you can do is, let's say, every single dollar goes into that one bank account.\n\nChannel 1: Yeah.\n\nChannel 0: Loans are paid, contributions come in, fees, taxes, premiums for insurances. Everything gets through the wash. We literally just take that lump sum, invest it into the portfolio. And then every year when we revisit it, we see how the cash flow has gone for the\n\nChannel 1: Yeah.\n\nChannel 0: SMSF\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: because\n\nChannel 1: Yeah.\n\nChannel 0: that's gonna take into account loan repayments. And if there's a leftover, you would pretty much do, like, a once a year or once every six months investment of excess funds.\n\nChannel 1: So if there was no loan on the on the property, then what does that look like then?\n\nChannel 0: Then it just becomes much more fluid.\n\nChannel 1: Yep.\n\nChannel 0: The property is owned. Everything just continuously getting invested, and\n\nChannel 1: Yeah.\n\nChannel 0: we can just basically run it like we have been.\n\nChannel 1: Yep. The only thing that would do is you would go from where we sit now and where you project you're gonna be Yeah. To owning that now Yeah. But what that would look like for retirement Yeah. That you weren't in here before when Tommy was just talking to me, like, there there's a lot of ways to make it work, whether we put in 50 percent and then borrow 50% or yeah.\n\nSo we're throwing around ideas of Yeah. The last idea. Income and I just flipped\n\nChannel 0: And even\n\nChannel 1: you through,\n\nChannel 0: if\n\nChannel 1: Tommy.\n\nChannel 0: you want?\n\nChannel 1: This is\n\nChannel 0: Yeah. Go\n\nChannel 1: the\n\nChannel 0: for it.\n\nChannel 1: worksheet. You'll get another email there now that New Haven basically sent through when they were explaining how the SMSF structure worked, which was very in line with the very quick synopsis that you gave me about the cash managed account. So this was their proposal if we were to do not use all of the super balance. So using 412,000 borrowing 650,000 and buying a million dollar property, what that would look like from rent,\n\nChannel 0: Yeah.\n\nChannel 1: Belinda's contributions, my contributions, the earnings on the property, then the expenses, and what that would look like in a per year sort of scenario.\n\nChannel 0: Yeah.\n\nChannel 1: So it'd be interesting to see what your thoughts are on on those kind of figures and whatnot, but that was the they gave us two proposals. One was buying one property worth a million dollars or, yeah, just throwing around figures, I think, before they went through, like, a statement of advice so that we had something to look at.\n\nChannel 0: Yeah.\n\nChannel 1: And the other one was buying one property. So putting in 820,000, borrowing 1.3 and buying a $2,000,000 property and basically only leaving us with 120,000 in the SMSF trust balance and all that sort of stuff or having two $1,000,000 properties essentially rather than one $2,000,000 property or whatever. But I much more think, you know, after our discussions that having a strong fund that you guys are carefully managing and being able to look at something else that can tickle that itch Look outside the box. Is probably It's way more gonna be more closely aligned for us. 100%.\n\nChannel 0: Yeah. And you guys can't see me right now. I do apologize for not being on video call, but I just have this huge smile on my face looking at this flowchart they've sent you because\n\nChannel 1: Yep.\n\nChannel 0: I just went through a flowchart with the staff members last week about SMSF, and it almost mimics this exactly.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. What what when I look at this, this is explaining your entities really, really well in terms of the SMSF trustee, having to have the bare trust, the bare trustee, and the property, the lender, all that kind of thing.\n\nChannel 1: Yes.\n\nChannel 0: What I was explaining before to you, Carl, about the bank account and the investment account is just zooming in on that yellow side and the\n\nChannel 1: Yep.\n\nChannel 0: actual accounts that are sitting under the hood.\n\nChannel 1: Yep. And he did explain that really well about the the way that when they were first sort of out, you know, not having that bare trust just meant that there was more risk and all that stuff. Whereas when the bare trust owns the property and it's got no link to the SMSF trust, even if something happens and the property goes down or anything like that, they can't come to what's in your SMSF trust portfolio\n\nChannel 0: Yeah.\n\nChannel 1: balance to try and make up the shortfall of what's happened with the property that's owned by the Bear Trust.\n\nChannel 0: Yep. And it's the only way to do it.\n\nChannel 1: Yep.\n\nChannel 0: A lot of people wanna, like, scrimp and save on fees to go, oh, I'll be an individual trustee of my SMSF, and it's just like, just just pay that little bit extra to have the company so it's safe.\n\nChannel 1: Yes.\n\nChannel 0: The the lenders usually require it to have the bare trust and the BearTrustee being a company anyway.\n\nChannel 1: Yep.\n\nChannel 0: Back when I was doing a lot of SMSFs about ten years ago, you had to have a 50% deposit, and there was\n\nChannel 1: Yes.\n\nChannel 0: only two or three lenders that would do it.\n\nChannel 1: Yes.\n\nChannel 0: It's relaxed a lot now, but it comes in cycles. And one day, someone's gonna restrict it again, and you're gonna wanna make sure you've got a safe setup and not have to be falling into our we did it the cheap and easy way, and now all of a sudden the government's restricted us.\n\nChannel 1: What's your thoughts on the ground with the government reducing the capital gains discount tax? Because when I spoke to Chris yesterday afternoon, he was like, it's a 100% gonna happen. They've already passed the legislation through the lower house, and it was either a proposal to reduce it to 25% or 33% depending on properties. What's your thoughts on on how that's gonna work?\n\nChannel 0: Yeah. I I pretty much agree with what Chris said. This is the first time since I've been an adult that I've seen something that politically what would you call it? The political appetite to make those changes for the first time, and they've been wanting to do it for a long, long time. This is the first time that everyone's pretty much in agreement to do\n\nChannel 1: Yep.\n\nChannel 0: it. And if\n\nChannel 1: Yep.\n\nChannel 0: there's one time to do it, it's now.\n\nChannel 1: Yep.\n\nChannel 0: Right? When everyone's in the hurt, they're pretty much gonna use that as the excuse to do it. So it's gonna come through.\n\nChannel 1: Yes.\n\nChannel 0: There's a lot of reassurances that they're trying to do in terms of grandfathering, but also the targeting of it. So changing the percentages is gonna be the most detrimental to a lot of people. The removal of the CGT discount for people above three properties are heard thrown around.\n\nChannel 1: Yep.\n\nChannel 0: That's more to target the people who own five, ten, 20 investments. They're trying to make sure that they avoid upsetting the mom and pops who have their one or two investment properties\n\nChannel 1: Yep. Yeah.\n\nChannel 0: because that's a\n\nChannel 1: Fair\n\nChannel 0: big\n\nChannel 1: enough.\n\nChannel 0: vote of us. So that should be pretty safe. If\n\nChannel 1: Yep.\n\nChannel 0: they do the percentages, I'd be pretty yeah.\n\nChannel 1: Yep. Interesting. Interesting. Alright. Well, we'll get I'll get this statement of advice signed off and back to you, but we would probably like to stay in close contact even if you wanna have a yarn as heavy about what we've spoken about and sort of see what his thoughts are around, you know, what what or even if you can have a think about what you would recommend it would look like.\n\nIf we just use that property as an example, would we look at withdrawing 50% and borrowing 50%? Would we look at withdrawing 70% and borrowing 30%? Would we look at buying it outright? You know, and what would that look like from an actual making something happen point of view?\n\nChannel 0: Yeah.\n\nChannel 1: And then we can sort of just continue. So we're coming down to the Gold Coast this weekend for the first Infinity Real Estate Masterclass event at the Star, which is basically where I think they're going to encourage us to buy our first investment property with the equity release that we've got sitting there.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: But with the SMSF side, and I've said this to Binrock from the start, I have a very high level of comfortability for what you guys have done for me and the working relationship that we have with the way we can talk and our super is managed and all that stuff, that if we can do something without outsourcing that from our little circle that we have, that would make me feel incredibly more comfortable than just, you know, because they see all they see is dollar signs. When they see a 43 year old with nearly a million dollars in super, they're like, fucking, let's go. We're gonna buy five or 10 investment prop you know, in our SMSF or we're gonna buy a million\n\nChannel 0: There\n\nChannel 1: dollar\n\nChannel 0: you go.\n\nChannel 1: properties or whatever.\n\nChannel 0: He owns\n\nChannel 1: Whereas\n\nChannel 0: how much? $330.\n\nChannel 1: yeah. Yeah. So, you know, because they're like our friends that have done it, I think they had a combined super of 250,000, and they bought an investment property with theirs. Now that's a husband and wife of 40 years old. So, you\n\nChannel 0: Yeah.\n\nChannel 1: know, when they saw ours, they're like, holy shit. Like, we can do and I'm like, yeah. But we've worked, you know, I feel worked really hard to get that from what it was to where we are now and not just willing to even when I said possibly doing half and keeping half, they're kinda like, oh, you but it'd be much better if you did the whole lot. I'm like, yeah. But hang on a sec.\n\nLike, we have a good thing going here, and I'm not just gonna throw that away. So\n\nChannel 0: Yeah. I appreciate that. And to be honest, I meant what I said in the email when I said that I've always liked spitballing ideas in the industry. And if there's an opportunity\n\nChannel 1: yeah.\n\nChannel 0: to work with those guys or someone else down the line, like, I'm never one to try and bubble things off to the side. I've always talked to everyone in the industry, and if they've got cool ideas, that's fantastic. My favorite thing to do is sitting there with a whiteboard with Chris and Savvy and myself and whoever and just coming up with\n\nChannel 1: Yep.\n\nChannel 0: ideas. This is the most fun. When you've got people who can do the things, let's\n\nChannel 1: Yep.\n\nChannel 0: come up with the best three, four, five ideas and figure out which one suits you guys, and then we just go and do it.\n\nChannel 1: Yep. Well, yeah, we'll get this part signed, and then I guess our idea is to do something like that. So if we can start spitballing amongst the three of us or the three of you guys, and you guys can have a think about what that would look like and the way to sort of do something like that, that would be ideal. But for right now, I appreciate that I've got my own custom super portfolio that's the only one in Australia. And I agree, not only the pretty photo on the front, but the figures that are within it and the work that's gone into it is a work of art.\n\nSo\n\nChannel 0: Thank\n\nChannel 1: let's\n\nChannel 0: you.\n\nChannel 1: just get it all signed off and start looking at what comes next.\n\nChannel 0: Yeah. Cool. When it comes to the SMSF ideas, I'll definitely have a chat to Chris and Savi about it. I'm gonna take it a little little bit slow\n\nChannel 1: Yep. Yep.\n\nChannel 0: because\n\nChannel 1: Yep.\n\nChannel 0: I I need some things, some ducks to line up for you guys before I would say to dive into it,\n\nChannel 1: Yes.\n\nChannel 0: and that's things like the agreement with work. If you're having to interplay between health conditions, occupation issues for insurances for both of you guys, restrictions on having to have q super still there,\n\nChannel 1: Yep.\n\nChannel 0: it becomes very messy very quickly. And if those line up over the next couple of months, it becomes much, much more of a realistic thing to dive into. So\n\nChannel 1: Yep.\n\nChannel 0: exactly what you said about the ideas about whether you go outright or partial loan, things like that, I'll spit all those ideas, but I'm seeing this happening after end of financial year.\n\nChannel 1: Yep.\n\nChannel 0: Oh,\n\nChannel 1: Gotcha.\n\nChannel 0: and also, because I'm going away on paternity leave in June with my daughter on arrival, I'll make sure Savvy's there on call for that month\n\nChannel 1: Yep.\n\nChannel 0: until I get back around July.\n\nChannel 1: Congratulations. How exciting.\n\nChannel 0: Thank you. So it's\n\nChannel 1: Is\n\nChannel 0: hour\n\nChannel 1: this\n\nChannel 0: number\n\nChannel 1: your\n\nChannel 0: three.\n\nChannel 1: first?\n\nChannel 0: You got the two two boys, six and three, and then the daughter on the way. So\n\nChannel 1: Oh\n\nChannel 0: very,\n\nChannel 1: my god.\n\nChannel 0: very excited.\n\nChannel 1: Right now, what hits you when you get a girl?\n\nChannel 0: Well, my wife, Alexis, she's already had a much more rough pregnancy. She said that apparently girls are really hard in pregnancy, and that's all I've heard around the office. And her back's killing her. She's limping to the finish line, but we are so excited.\n\nChannel 1: Wait till they turn, I don't know, maybe, like, eleven or twelve, and then you'll know a whole different kind of world of cuisine when it comes\n\nChannel 0: No,\n\nChannel 1: to\n\nChannel 0: Belinda. No.\n\nChannel 1: You\n\nChannel 0: Thank you.\n\nChannel 1: and you were still allowed to go away for traditional Croatian cooking with the boys while you had a heavily pregnant wife. She must be very understanding.\n\nChannel 0: No. Everyone was involved. We we get everyone to do it.\n\nChannel 1: Yeah.\n\nChannel 0: It was fantastic. We brought everyone over to my grandmother's house, my my bubba over there, and we all helped cook it up because she's she's 86 now. She's\n\nChannel 1: Yes.\n\nChannel 0: she's definitely getting on in years, but we all sat around the family kitchen that I grew up with in Oxford there. It was a big family\n\nChannel 1: Yes.\n\nChannel 0: home where you had all the aunts and uncles and everything and cooked up some and and all the cheesecakes in the world, jam\n\nChannel 1: Yeah.\n\nChannel 0: cakes and all the rest of it. Everyone's invited when it comes to Bubba's house.\n\nChannel 1: You would have had a food coma.\n\nChannel 0: Yeah. It was serious, and then she sent me home with because my favorite's always been her cheesecake since I've been little. She gives me an entire container full of it and then a whole\n\nChannel 1: Yep.\n\nChannel 0: bunch of leftovers, and then I'm basically dead for two weeks eating the same\n\nChannel 1: Yep.\n\nChannel 0: thing.\n\nChannel 1: Yeah. Roger. Alright, mate. Well, we will we won't hold you up too much longer, and we'll have a look at all this stuff. I'll get it all signed off on the iPad and sent back to you and then go from there.\n\nThank you.\n\nChannel 0: No. Thank you very much, Linda and Carl. I'm gonna flick you back a quick reply to your email. I've graffitied on that picture a little bit just to add in the context of the I'm gonna call it my graffiti. The context of the accounts for the investments.\n\nChannel 1: Yep.\n\nChannel 0: Outside of that, I do have a separate email coming to you just for the renewed service agreement because that that clicked off last month.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So I'll pop that through to you separately. Just wanted to make sure you were happy with the strategy first.\n\nChannel 1: Yeah. Yep. Sounds good.\n\nChannel 0: Awesome, guys. I'll pop that through to you now. So there'll be two Odoo emails and\n\nChannel 1: Yep.\n\nChannel 0: my graffiti, and I will talk to you guys around tax time.\n\nChannel 1: There's no changes to the fee structure or anything in that renewed service agreement?\n\nChannel 0: No. Still discounted\n\nChannel 1: No.\n\nChannel 0: to 1.1.\n\nChannel 1: Yep.\n\nChannel 0: You're getting close to the cap. So Sevvy is very excited, but we've almost got you there, and everyone's happy. And anything you need, you just give us a call.\n\nChannel 1: Yep. Alright, mate. Sounds good. Thanks for that.\n\nChannel 0: Thanks, guys. Have a good night. Bye.\n\nChannel 1: Thanks, Tommy. See you, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.020726963877677917},{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.48,"end":4.98,"sentiment":"neutral","sentiment_score":0.013679949450306594}],"sentiment":"neutral","sentiment_score":0.014094479710740201,"channel":1,"num_words":17,"start":0.16,"end":4.98},{"sentences":[{"text":"Tommy from Oakview Financial.","start":6.8799996,"end":8.190001,"sentiment":"neutral","sentiment_score":0.03280611056834459}],"sentiment":"neutral","sentiment_score":0.03280611056834459,"channel":0,"num_words":4,"start":6.8799996,"end":8.190001},{"sentences":[{"text":"Thanks, Tommy.","start":14.4,"end":15.38,"sentiment":"positive","sentiment_score":0.3464409410953522},{"text":"Please stay on the line.","start":15.775,"end":17.235,"sentiment":"neutral","sentiment_score":0.16991946697235108},{"text":"Hi, mate.","start":19.855,"end":20.414999,"sentiment":"neutral","sentiment_score":0.134645514190197},{"text":"How are you?","start":20.414999,"end":21.235,"sentiment":"neutral","sentiment_score":0.15495912730693817}],"sentiment":"neutral","sentiment_score":0.1897206356128057,"channel":1,"num_words":12,"start":14.4,"end":21.235},{"sentences":[{"text":"Living the dream, Carl.","start":21.855,"end":22.895,"sentiment":"neutral","sentiment_score":0.2734687924385071},{"text":"How you been?","start":22.895,"end":23.715,"sentiment":"neutral","sentiment_score":0.16866844395796457}],"sentiment":"neutral","sentiment_score":0.22855435737541743,"channel":0,"num_words":7,"start":21.855,"end":23.715},{"sentences":[{"text":"Good.","start":23.935,"end":24.175,"sentiment":"positive","sentiment_score":0.5355215072631836},{"text":"Thank you, mate.","start":24.175,"end":25.075,"sentiment":"positive","sentiment_score":0.6416723926862081}],"sentiment":"positive","sentiment_score":0.615134671330452,"channel":1,"num_words":4,"start":23.935,"end":25.075},{"sentences":[{"text":"Good to hear.","start":25.79,"end":26.35,"sentiment":"positive","sentiment_score":0.5855898857116699},{"text":"Good to hear.","start":26.35,"end":26.91,"sentiment":"positive","sentiment_score":0.49843071897824603},{"text":"You've got the fancy call forwarding service on, sir.","start":26.91,"end":29.89,"sentiment":"neutral","sentiment_score":0.24749025205771127}],"sentiment":"positive","sentiment_score":0.36529827217260996,"channel":0,"num_words":15,"start":25.79,"end":29.89},{"sentences":[{"text":"I think it just automatically must have turned itself on with the latest update because it's not anything that I've done.","start":30.25,"end":38.510002,"sentiment":"neutral","sentiment_score":0.16106011541116805},{"text":"But I did find it particularly useful for reducing the number of unwanted calls that come through, so I've left it in place.","start":39.21,"end":48.865,"sentiment":"neutral","sentiment_score":0.2793107236857}],"sentiment":"neutral","sentiment_score":0.2228729333728552,"channel":1,"num_words":44,"start":30.25,"end":48.865},{"sentences":[{"text":"I think it's brilliant.","start":49.18,"end":50.22,"sentiment":"positive","sentiment_score":0.7677320539951324},{"text":"I've been noticing it a lot more recently, and I think I want to get it on mine.","start":50.22,"end":54.54,"sentiment":"neutral","sentiment_score":0.25517963618040085},{"text":"Are you on is it iPhone?","start":54.54,"end":55.920002,"sentiment":"neutral","sentiment_score":0.023272824473679066},{"text":"Or","start":55.98,"end":56.48,"sentiment":"neutral","sentiment_score":0.02046675980091095}],"sentiment":"neutral","sentiment_score":0.2698022542714045,"channel":0,"num_words":29,"start":49.18,"end":56.48},{"sentences":[{"text":"Yeah.","start":56.420002,"end":56.74,"sentiment":"neutral","sentiment_score":0.03376900404691696},{"text":"IPhone.","start":56.74,"end":57.24,"sentiment":"neutral","sentiment_score":0.05842792987823486},{"text":"Yeah.","start":57.3,"end":57.8,"sentiment":"neutral","sentiment_score":0.25985240936279297}],"sentiment":"neutral","sentiment_score":0.1173497810959816,"channel":1,"num_words":3,"start":56.420002,"end":57.8},{"sentences":[{"text":"that is very cool.","start":57.980003,"end":59.260002,"sentiment":"positive","sentiment_score":0.6214882731437683},{"text":"Very cool.","start":59.260002,"end":60.08,"sentiment":"positive","sentiment_score":0.6386942863464355},{"text":"Mate, I'm gonna send you through this updated statement of advice to your Hotmail address.","start":60.355,"end":65.555,"sentiment":"neutral","sentiment_score":0.10184889932473501},{"text":"Is that okay?","start":65.555,"end":66.375,"sentiment":"neutral","sentiment_score":0.06445445865392685}],"sentiment":"neutral","sentiment_score":0.22851827212919792,"channel":0,"num_words":24,"start":57.980003,"end":66.375},{"sentences":[{"text":"Yep.","start":66.5,"end":67.0,"sentiment":"neutral","sentiment_score":0.11563394963741302}],"sentiment":"neutral","sentiment_score":0.11563394963741302,"channel":1,"num_words":1,"start":66.5,"end":67.0},{"sentences":[{"text":"Perfect.","start":67.795,"end":68.295,"sentiment":"neutral","sentiment_score":0.2188473641872406},{"text":"Before I jump into it, usual security process, even though I know it is you.","start":68.435,"end":73.015,"sentiment":"neutral","sentiment_score":0.03010362063844999}],"sentiment":"neutral","sentiment_score":0.0419001046102494,"channel":0,"num_words":16,"start":67.795,"end":73.015},{"sentences":[{"text":"Mhmm.","start":73.315,"end":73.815,"sentiment":"neutral","sentiment_score":0.01632372848689556}],"sentiment":"neutral","sentiment_score":0.01632372848689556,"channel":1,"num_words":1,"start":73.315,"end":73.815},{"sentences":[{"text":"Are you able to confirm your date of birth and address, please?","start":73.395,"end":76.11,"sentiment":"neutral","sentiment_score":0.012614648090675473}],"sentiment":"neutral","sentiment_score":0.012614648090675473,"channel":0,"num_words":12,"start":73.395,"end":76.11},{"sentences":[{"text":"08/1983 and 457 Jim White Way, Baruah, Queensland 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recorded?","start":85.71,"end":87.57,"sentiment":"neutral","sentiment_score":0.05996744967997074}],"sentiment":"neutral","sentiment_score":0.20240855612792075,"channel":0,"num_words":16,"start":84.19,"end":87.57},{"sentences":[{"text":"Yep.","start":88.03,"end":88.53,"sentiment":"neutral","sentiment_score":0.04557962343096733}],"sentiment":"neutral","sentiment_score":0.04557962343096733,"channel":1,"num_words":1,"start":88.03,"end":88.53},{"sentences":[{"text":"Legendary.","start":89.245,"end":89.745,"sentiment":"neutral","sentiment_score":0.06486077606678009},{"text":"Mate, I've just shot that through.","start":90.045,"end":91.485,"sentiment":"neutral","sentiment_score":0.02262230683118105},{"text":"We're using a new system that we've kind of custom built at the moment, so","start":91.485,"end":95.325,"sentiment":"neutral","sentiment_score":0.03144873728354772}],"sentiment":"neutral","sentiment_score":0.030560258013958282,"channel":0,"num_words":22,"start":89.245,"end":95.325},{"sentences":[{"text":"Yep.","start":95.31,"end":95.81,"sentiment":"neutral","sentiment_score":0.011426124721765518}],"sentiment":"neutral","sentiment_score":0.011426124721765518,"channel":1,"num_words":1,"start":95.31,"end":95.81},{"sentences":[{"text":"it may come through to your main inbox or your spam 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as well so that,","start":103.395,"end":107.235,"sentiment":"neutral","sentiment_score":0.08381149105050346}],"sentiment":"neutral","sentiment_score":0.08234147603313129,"channel":1,"num_words":12,"start":102.755,"end":107.235},{"sentences":[{"text":"Hey,","start":107.18,"end":107.42,"sentiment":"neutral","sentiment_score":0.04735848307609558}],"sentiment":"neutral","sentiment_score":0.04735848307609558,"channel":0,"num_words":1,"start":107.18,"end":107.42},{"sentences":[{"text":"you know,","start":107.235,"end":107.634995,"sentiment":"neutral","sentiment_score":0.04005498066544533}],"sentiment":"neutral","sentiment_score":0.04005498066544533,"channel":1,"num_words":2,"start":107.235,"end":107.634995},{"sentences":[{"text":"Belinda.","start":107.42,"end":107.899994,"sentiment":"neutral","sentiment_score":0.04913831502199173}],"sentiment":"neutral","sentiment_score":0.04913831502199173,"channel":0,"num_words":1,"start":107.42,"end":107.899994},{"sentences":[{"text":"that 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cool.","start":118.465004,"end":119.285,"sentiment":"positive","sentiment_score":0.570785641670227},{"text":"It's beautiful.","start":119.505005,"end":120.225006,"sentiment":"positive","sentiment_score":0.5619542896747589}],"sentiment":"positive","sentiment_score":0.5176306772232055,"channel":0,"num_words":25,"start":111.579994,"end":120.225006},{"sentences":[{"text":"What about your end?","start":120.225006,"end":121.365005,"sentiment":"neutral","sentiment_score":0.042704225052148104}],"sentiment":"neutral","sentiment_score":0.042704225052148104,"channel":0,"num_words":4,"start":120.225006,"end":121.365005},{"sentences":[{"text":"Yeah.","start":122.28999,"end":122.77,"sentiment":"neutral","sentiment_score":-0.025337688624858856},{"text":"That sounds just kinda reset over the dam.","start":122.77,"end":125.11,"sentiment":"neutral","sentiment_score":-0.07142393896356225},{"text":"The Mia's got a old motorbike parked out the front, and we just put a new old motorbike together for 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yeah,","start":139.015,"end":139.94,"sentiment":"neutral","sentiment_score":0.1850329041481018}],"sentiment":"neutral","sentiment_score":-0.015114342421293258,"channel":1,"num_words":10,"start":137.175,"end":139.94},{"sentences":[{"text":"I 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have had twice where it came through after about three, four minutes or so.","start":178.73,"end":185.23,"sentiment":"neutral","sentiment_score":-0.07422053238943867}],"sentiment":"neutral","sentiment_score":-0.005203561103414921,"channel":0,"num_words":42,"start":171.685,"end":185.23},{"sentences":[{"text":"Okay.","start":185.625,"end":186.125,"sentiment":"neutral","sentiment_score":0.03589262068271637}],"sentiment":"neutral","sentiment_score":0.03589262068271637,"channel":1,"num_words":1,"start":185.625,"end":186.125},{"sentences":[{"text":"So I'm just gonna do another attachment as well.","start":185.84999,"end":188.98999,"sentiment":"neutral","sentiment_score":0.037449573891030416},{"text":"Statement of advice.","start":192.58499,"end":194.28499,"sentiment":"neutral","sentiment_score":-0.017330172782142956},{"text":"Two won't be too sexy, 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sort of stuff.","start":260.125,"end":265.90503,"sentiment":"neutral","sentiment_score":0.09078589119017125},{"text":"Today, is it?","start":265.96503,"end":267.265,"sentiment":"neutral","sentiment_score":0.014815536638100943},{"text":"No?","start":267.725,"end":268.225,"sentiment":"neutral","sentiment_score":-0.08779726922512054},{"text":"What's that?","start":268.765,"end":269.505,"sentiment":"neutral","sentiment_score":-0.05097418464720249},{"text":"Is that collapsed or is that open?","start":269.64502,"end":271.74503,"sentiment":"neutral","sentiment_score":-0.09208931348153523}],"sentiment":"neutral","sentiment_score":0.005127595170684483,"channel":1,"num_words":23,"start":260.125,"end":271.74503},{"sentences":[{"text":"Oh, there's nothing right now.","start":271.90997,"end":273.37,"sentiment":"neutral","sentiment_score":-0.10557806640863418},{"text":"Okay.","start":273.50998,"end":274.00998,"sentiment":"neutral","sentiment_score":-0.020511779934167865}],"sentiment":"neutral","sentiment_score":-0.09140035199622314,"channel":1,"num_words":6,"start":271.90997,"end":274.00998},{"sentences":[{"text":"And did you cut much from the the fuel issues driving around so much at the time?","start":275.00998,"end":279.03,"sentiment":"neutral","sentiment_score":-0.05672231535701191}],"sentiment":"neutral","sentiment_score":-0.05672231535701191,"channel":0,"num_words":17,"start":275.00998,"end":279.03},{"sentences":[{"text":"No.","start":280.15,"end":280.65,"sentiment":"neutral","sentiment_score":-0.1223798543214798},{"text":"Except for the the fact that it's ridiculously expensive, but thank you to the Queensland government state taxpayers who finally have agreed to pay for my fuel.","start":281.50998,"end":293.88498,"sentiment":"neutral","sentiment_score":0.14129589856774719}],"sentiment":"neutral","sentiment_score":0.13187890739313193,"channel":1,"num_words":28,"start":280.15,"end":293.88498},{"sentences":[{"text":"Yeah.","start":294.785,"end":295.285,"sentiment":"neutral","sentiment_score":0.15033026039600372}],"sentiment":"neutral","sentiment_score":0.15033026039600372,"channel":0,"num_words":1,"start":294.785,"end":295.285},{"sentences":[{"text":"It wasn't too much of a burden for us, but There was no shortage.","start":295.22498,"end":302.96997,"sentiment":"neutral","sentiment_score":0.11256509966083936},{"text":"There was no shortages.","start":302.96997,"end":304.03,"sentiment":"neutral","sentiment_score":0.1628685276955366},{"text":"There was no yeah.","start":304.25,"end":305.28998,"sentiment":"neutral","sentiment_score":0.012678312137722969},{"text":"Nothing.","start":305.28998,"end":305.78998,"sentiment":"neutral","sentiment_score":0.09392847120761871}],"sentiment":"neutral","sentiment_score":0.1031316185127134,"channel":1,"num_words":23,"start":295.22498,"end":305.78998},{"sentences":[{"text":"That's good.","start":305.52,"end":306.08,"sentiment":"positive","sentiment_score":0.3467322140932083},{"text":"Just high price, but we're able to get there 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yeah.","start":309.61,"end":310.33,"sentiment":"neutral","sentiment_score":-0.008732831571251154}],"sentiment":"neutral","sentiment_score":-0.008732831571251154,"channel":1,"num_words":2,"start":309.61,"end":310.33},{"sentences":[{"text":"it.","start":309.91998,"end":310.24,"sentiment":"neutral","sentiment_score":-0.009407354518771172},{"text":"Mad","start":310.24,"end":310.47998,"sentiment":"neutral","sentiment_score":-0.029315516352653503}],"sentiment":"neutral","sentiment_score":-0.019361435435712337,"channel":0,"num_words":2,"start":309.91998,"end":310.47998},{"sentences":[{"text":"Nothing.","start":310.33,"end":310.83,"sentiment":"neutral","sentiment_score":-0.03825245052576065}],"sentiment":"neutral","sentiment_score":-0.03825245052576065,"channel":1,"num_words":1,"start":310.33,"end":310.83},{"sentences":[{"text":"Max 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send.","start":324.96002,"end":328.26,"sentiment":"neutral","sentiment_score":-0.257854604950318},{"text":"So","start":328.40002,"end":328.72,"sentiment":"neutral","sentiment_score":-0.00828104093670845}],"sentiment":"neutral","sentiment_score":-0.24002792180648871,"channel":0,"num_words":14,"start":324.96002,"end":328.72},{"sentences":[{"text":"Yep.","start":328.67,"end":329.17,"sentiment":"neutral","sentiment_score":0.02804949507117271}],"sentiment":"neutral","sentiment_score":0.02804949507117271,"channel":1,"num_words":1,"start":328.67,"end":329.17},{"sentences":[{"text":"we'll just go through that one that I sent through the the PDF attachment.","start":328.72,"end":331.94,"sentiment":"neutral","sentiment_score":0.059285957898412435},{"text":"Perfect.","start":334.24002,"end":334.72,"sentiment":"positive","sentiment_score":0.45796746015548706},{"text":"Now when you've got that open, if you can let me know if you can see that beachfront city 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having a look at the old hub account.","start":342.095,"end":345.215,"sentiment":"neutral","sentiment_score":0.11776442036909215},{"text":"It's kind of done a little bit of a bounce back recently, which is good.","start":345.215,"end":348.495,"sentiment":"neutral","sentiment_score":0.24602288554112117},{"text":"Not sure","start":348.495,"end":348.815,"sentiment":"neutral","sentiment_score":-0.026180638931691647}],"sentiment":"neutral","sentiment_score":0.16588168092729413,"channel":0,"num_words":34,"start":342.095,"end":348.815},{"sentences":[{"text":"Yeah.","start":348.79498,"end":349.29498,"sentiment":"neutral","sentiment_score":0.01948007382452488}],"sentiment":"neutral","sentiment_score":0.01948007382452488,"channel":1,"num_words":1,"start":348.79498,"end":349.29498},{"sentences":[{"text":"if you've been logging in 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and we can go boat hunting and we can camp and all that stuff, and we've just got that available to us.","start":1049.9751,"end":1059.85,"sentiment":"neutral","sentiment_score":0.3302300875937497},{"text":"So we've started kind of more thinking that that's probably the line we wanna go down.","start":1059.91,"end":1064.5701,"sentiment":"neutral","sentiment_score":0.26599331200122833},{"text":"And I think as we've had these SMSF discussions with, you know, not only, like, you guys in a adviser type role, but talking to more people that we've met up here that have done it and stuff is that, you know, we've put ourselves in a good position with our super and and the projections and all that sort of stuff is, you know, do we look at buying a small well, there's, like, say, 500 acres down at the New England area, which is a a sheep farm that has plenty of deer on it and all that stuff, 550 acres for 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us go to New Haven and talk about the SMSF, and it's probably not gonna be anywhere nearly in line with their process.","start":1514.595,"end":1532.64,"sentiment":"neutral","sentiment_score":0.07056748240508816},{"text":"But their process for us is primarily the rapid repay and the mortgage reduction, whether or not we invest in a $1,000,000 house on the Gold Coast in our SMSF or whether we go well, actually, it's probably more important to us to look for one of these.","start":1533.26,"end":1549.0851,"sentiment":"neutral","sentiment_score":0.20179370666543642},{"text":"Like, as long as it passes all the requirements, the arms, legs requirements, and the genuine business and all that sort of stuff,","start":1549.305,"end":1557.14,"sentiment":"neutral","sentiment_score":0.1870586943367253}],"sentiment":"neutral","sentiment_score":0.1397396388847928,"channel":1,"num_words":143,"start":1499.365,"end":1557.14},{"sentences":[{"text":"Yeah.","start":1557.845,"end":1558.345,"sentiment":"neutral","sentiment_score":0.059877943247556686}],"sentiment":"neutral","sentiment_score":0.059877943247556686,"channel":0,"num_words":1,"start":1557.845,"end":1558.345},{"sentences":[{"text":"it would probably be more in line with our values.","start":1557.92,"end":1561.2001,"sentiment":"neutral","sentiment_score":0.2781976699829102},{"text":"And, you know, you would probably agree from the conversations that we've had, it would mean more to us if we've got our super still getting invested, making smart decisions, building and all that, but we've managed to acquire something that we can actually then access, but it's sitting there as a little sheep farm or something like that meeting all the legislative requirements.","start":1561.2001,"end":1585.015,"sentiment":"neutral","sentiment_score":0.32393926015356556},{"text":"But it starts to then we start to look and go, hey.","start":1586.14,"end":1589.34,"sentiment":"neutral","sentiment_score":0.19088504215081534},{"text":"We've actually now sort of got everything we want in life, and we can really just dial in.","start":1589.34,"end":1595.34,"sentiment":"positive","sentiment_score":0.4356885585520003},{"text":"So","start":1595.34,"end":1595.84,"sentiment":"neutral","sentiment_score":0.1957317739725113}],"sentiment":"neutral","sentiment_score":0.3223127207940533,"channel":1,"num_words":105,"start":1557.92,"end":1595.84},{"sentences":[{"text":"Yeah.","start":1597.3301,"end":1597.65,"sentiment":"neutral","sentiment_score":0.27592921257019043},{"text":"Absolutely.","start":1597.65,"end":1598.15,"sentiment":"positive","sentiment_score":0.41465675830841064},{"text":"I'm noticing it more and more the more people I talk to.","start":1598.2101,"end":1601.17,"sentiment":"neutral","sentiment_score":0.33201761295398075},{"text":"Like, a couple of things when it comes to goals and lifestyle is everyone's kind of trying to play out a retirement that someone else had the idea of.","start":1601.17,"end":1610.395,"sentiment":"neutral","sentiment_score":0.2894443042319396}],"sentiment":"neutral","sentiment_score":0.30392284067564235,"channel":0,"num_words":43,"start":1597.3301,"end":1610.395},{"sentences":[{"text":"Yep.","start":1610.52,"end":1611.02,"sentiment":"neutral","sentiment_score":0.16345663368701935}],"sentiment":"neutral","sentiment_score":0.16345663368701935,"channel":1,"num_words":1,"start":1610.52,"end":1611.02},{"sentences":[{"text":"You know, you hear people come in the office and they say, I want financial freedom.","start":1610.535,"end":1613.415,"sentiment":"neutral","sentiment_score":0.12955461302772164},{"text":"What does that mean?","start":1613.415,"end":1614.135,"sentiment":"neutral","sentiment_score":0.07256553880870342},{"text":"Oh, I want a million dollars and go on holidays.","start":1614.135,"end":1616.0751,"sentiment":"neutral","sentiment_score":0.16789945662021638},{"text":"But then when they actually come","start":1616.455,"end":1618.135,"sentiment":"neutral","sentiment_score":-0.007181689143180847}],"sentiment":"neutral","sentiment_score":0.11108445541726218,"channel":0,"num_words":36,"start":1610.535,"end":1618.135},{"sentences":[{"text":"Yes.","start":1618.0125,"end":1618.5125,"sentiment":"neutral","sentiment_score":-0.008555332198739052}],"sentiment":"neutral","sentiment_score":-0.008555332198739052,"channel":1,"num_words":1,"start":1618.0125,"end":1618.5125},{"sentences":[{"text":"crunch time, they realize that's not what they want is to start enjoying life when you're 67 and have missed out for twenty years prior when you could have had the energy to do so.","start":1618.135,"end":1628.62,"sentiment":"neutral","sentiment_score":-0.034340683796576094},{"text":"You","start":1628.92,"end":1629.0801,"sentiment":"neutral","sentiment_score":0.04054747894406319}],"sentiment":"neutral","sentiment_score":-0.032260457053780556,"channel":0,"num_words":36,"start":1618.135,"end":1629.0801},{"sentences":[{"text":"Yes.","start":1629.025,"end":1629.525,"sentiment":"neutral","sentiment_score":0.06459127366542816}],"sentiment":"neutral","sentiment_score":0.06459127366542816,"channel":1,"num_words":1,"start":1629.025,"end":1629.525},{"sentences":[{"text":"know what I mean?","start":1629.0801,"end":1629.98,"sentiment":"neutral","sentiment_score":0.018770813010632992}],"sentiment":"neutral","sentiment_score":0.018770813010632992,"channel":0,"num_words":4,"start":1629.0801,"end":1629.98},{"sentences":[{"text":"Yes.","start":1630.225,"end":1630.725,"sentiment":"neutral","sentiment_score":0.07440003007650375}],"sentiment":"neutral","sentiment_score":0.07440003007650375,"channel":1,"num_words":1,"start":1630.225,"end":1630.725},{"sentences":[{"text":"Oh, man.","start":1630.8401,"end":1631.16,"sentiment":"neutral","sentiment_score":0.09190526232123375},{"text":"And it comes down to the financial side of things too as everyone's trying to build all of the the property portfolios and share portfolios and all this kind of thing, and it's just about, is that actually what you wanna do at the end of the day?","start":1631.16,"end":1642.6749,"sentiment":"neutral","sentiment_score":0.16575307554254928},{"text":"There's all these different avenues and options, but why waste a decade trying to build someone else's dream just because that's what everyone thinks everyone should do.","start":1642.6749,"end":1651.41,"sentiment":"neutral","sentiment_score":0.041410289290878505},{"text":"So I'm with you guys on that a 100%.","start":1653.23,"end":1655.5701,"sentiment":"positive","sentiment_score":0.4185350471072727}],"sentiment":"neutral","sentiment_score":0.1514517602965582,"channel":0,"num_words":86,"start":1630.8401,"end":1655.5701},{"sentences":[{"text":"Yeah.","start":1655.11,"end":1655.61,"sentiment":"neutral","sentiment_score":0.2089784145355225},{"text":"Yeah.","start":1655.91,"end":1656.41,"sentiment":"neutral","sentiment_score":0.17866775393486023},{"text":"So, yeah, in a long winded way, that's probably the main ways that I I think our goals are probably shifting and becoming more realistic, but also more solidified or the scope changed slightly as we've probably got a little more educated, I guess, is one way to put it.","start":1658.4149,"end":1678.93,"sentiment":"neutral","sentiment_score":0.2297997632622719},{"text":"Can you talk","start":1678.93,"end":1679.41,"sentiment":"neutral","sentiment_score":0.036289628595113754}],"sentiment":"neutral","sentiment_score":0.2179364221339876,"channel":1,"num_words":55,"start":1655.11,"end":1679.41},{"sentences":[{"text":"Yeah.","start":1679.35,"end":1679.67,"sentiment":"neutral","sentiment_score":0.03492680937051773}],"sentiment":"neutral","sentiment_score":0.03492680937051773,"channel":0,"num_words":1,"start":1679.35,"end":1679.67},{"sentences":[{"text":"to Tommy","start":1679.41,"end":1679.81,"sentiment":"neutral","sentiment_score":0.022981089539825916}],"sentiment":"neutral","sentiment_score":0.022981089539825916,"channel":1,"num_words":2,"start":1679.41,"end":1679.81},{"sentences":[{"text":"And","start":1679.67,"end":1680.17,"sentiment":"neutral","sentiment_score":0.015103744342923164}],"sentiment":"neutral","sentiment_score":0.015103744342923164,"channel":0,"num_words":1,"start":1679.67,"end":1680.17},{"sentences":[{"text":"for a sec while I get this thing?","start":1679.81,"end":1681.35,"sentiment":"neutral","sentiment_score":0.019104585982859135}],"sentiment":"neutral","sentiment_score":0.019104585982859135,"channel":1,"num_words":8,"start":1679.81,"end":1681.35},{"sentences":[{"text":"that's","start":1681.27,"end":1681.77,"sentiment":"neutral","sentiment_score":0.019337540492415428}],"sentiment":"neutral","sentiment_score":0.019337540492415428,"channel":0,"num_words":1,"start":1681.27,"end":1681.77},{"sentences":[{"text":"Yeah.","start":1681.5701,"end":1681.905,"sentiment":"neutral","sentiment_score":0.020395657047629356}],"sentiment":"neutral","sentiment_score":0.020395657047629356,"channel":1,"num_words":1,"start":1681.5701,"end":1681.905},{"sentences":[{"text":"pretty well eloquently put.","start":1681.83,"end":1683.27,"sentiment":"positive","sentiment_score":0.6601886749267578},{"text":"Would you pretty well agree, Belinda, with everything you 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simple.","start":1773.505,"end":1776.625,"sentiment":"positive","sentiment_score":0.36778661981225014}],"sentiment":"neutral","sentiment_score":0.3129857301712036,"channel":0,"num_words":15,"start":1771.265,"end":1776.625},{"sentences":[{"text":"Yep.","start":1776.3374,"end":1776.8374,"sentiment":"neutral","sentiment_score":0.08085134625434875}],"sentiment":"neutral","sentiment_score":0.08085134625434875,"channel":1,"num_words":1,"start":1776.3374,"end":1776.8374},{"sentences":[{"text":"Carl, do you remember the email I sent you around the the market risks we were going over together?","start":1776.625,"end":1781.9249,"sentiment":"neutral","sentiment_score":0.029172650881503757},{"text":"So all I've done is just build this portfolio.","start":1783.6799,"end":1786.9,"sentiment":"neutral","sentiment_score":0.09980336038602723},{"text":"I haven't changed the risk level.","start":1787.12,"end":1788.72,"sentiment":"neutral","sentiment_score":0.03877801510194937},{"text":"It's still growth.","start":1788.72,"end":1789.84,"sentiment":"neutral","sentiment_score":0.08780115097761154},{"text":"It's still","start":1789.84,"end":1790.24,"sentiment":"neutral","sentiment_score":0.09936710819602013}],"sentiment":"neutral","sentiment_score":0.05505939410665096,"channel":0,"num_words":39,"start":1776.625,"end":1790.24},{"sentences":[{"text":"Yep.","start":1790.1499,"end":1790.6499,"sentiment":"neutral","sentiment_score":0.07004629075527191}],"sentiment":"neutral","sentiment_score":0.07004629075527191,"channel":1,"num_words":1,"start":1790.1499,"end":1790.6499},{"sentences":[{"text":"four out of five.","start":1790.24,"end":1791.22,"sentiment":"neutral","sentiment_score":0.08590440452098846},{"text":"Contributions are still going in.","start":1791.9199,"end":1793.62,"sentiment":"neutral","sentiment_score":0.12487021386623383},{"text":"It's mainly just about forward looking for the investments in the market.","start":1794.32,"end":1798.34,"sentiment":"neutral","sentiment_score":0.1412053102006515}],"sentiment":"neutral","sentiment_score":0.12678249570585431,"channel":0,"num_words":21,"start":1790.24,"end":1798.34},{"sentences":[{"text":"Yep.","start":1798.7899,"end":1799.2899,"sentiment":"neutral","sentiment_score":0.03513776883482933}],"sentiment":"neutral","sentiment_score":0.03513776883482933,"channel":1,"num_words":1,"start":1798.7899,"end":1799.2899},{"sentences":[{"text":"So what you'll sort of see if you go through to pages about twelve thirteen, you'll see risk profile, just maintaining that growth allocation, and","start":1800.155,"end":1811.1951,"sentiment":"neutral","sentiment_score":0.02983754649758339}],"sentiment":"neutral","sentiment_score":0.02983754649758339,"channel":0,"num_words":25,"start":1800.155,"end":1811.1951},{"sentences":[{"text":"Yep.","start":1810.835,"end":1811.335,"sentiment":"neutral","sentiment_score":0.05096384510397911}],"sentiment":"neutral","sentiment_score":0.05096384510397911,"channel":1,"num_words":1,"start":1810.835,"end":1811.335},{"sentences":[{"text":"then it's kind of got the strategy page itself.","start":1811.1951,"end":1813.615,"sentiment":"neutral","sentiment_score":0.05026495912008815}],"sentiment":"neutral","sentiment_score":0.05026495912008815,"channel":0,"num_words":9,"start":1811.1951,"end":1813.615},{"sentences":[{"text":"Yep.","start":1814.595,"end":1815.095,"sentiment":"neutral","sentiment_score":0.07728719711303711}],"sentiment":"neutral","sentiment_score":0.07728719711303711,"channel":1,"num_words":1,"start":1814.595,"end":1815.095},{"sentences":[{"text":"So the two main recommendations in this document is do a bit of a rollover from QSuper to do a bit of a top 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sudden.","start":1834.735,"end":1839.235,"sentiment":"neutral","sentiment_score":0.10769012197852135}],"sentiment":"neutral","sentiment_score":0.25284071763356525,"channel":0,"num_words":27,"start":1831.215,"end":1839.235},{"sentences":[{"text":"Yeah.","start":1840.015,"end":1840.255,"sentiment":"neutral","sentiment_score":0.05518179386854172},{"text":"No.","start":1840.255,"end":1840.495,"sentiment":"neutral","sentiment_score":0.029345881193876263},{"text":"That I'm just gonna get a quick snapshot now.","start":1840.495,"end":1845.0901,"sentiment":"neutral","sentiment_score":0.02270553136865298},{"text":"So there's 72,000 in q super.","start":1852.91,"end":1857.73,"sentiment":"neutral","sentiment_score":0.05747264251112938},{"text":"So we can roll over 55 even if you 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for you, mate.","start":2267.185,"end":2268.645,"sentiment":"neutral","sentiment_score":0.2645302563905716},{"text":"If you go down to the next page, lovely little pie chart, we're just keeping everything in that 80% range for the growth assets.","start":2269.505,"end":2277.32,"sentiment":"neutral","sentiment_score":0.22546788801749548},{"text":"Up to you again, my last email where I was talking about, do we use this as a buying opportunity?","start":2279.78,"end":2285.24,"sentiment":"neutral","sentiment_score":0.06320311296731233},{"text":"Do we kick up a foot on the gas a little bit at some point?","start":2285.3,"end":2288.6,"sentiment":"neutral","sentiment_score":0.017740957935651145},{"text":"Do we reduce risk?","start":2288.785,"end":2290.165,"sentiment":"neutral","sentiment_score":-0.037460475228726864}],"sentiment":"neutral","sentiment_score":0.12143109533665837,"channel":0,"num_words":69,"start":2267.185,"end":2290.165},{"sentences":[{"text":"This is, again, just keeping it same risk level.","start":2290.305,"end":2293.285,"sentiment":"neutral","sentiment_score":0.00364082513584031},{"text":"Not","start":2293.505,"end":2293.745,"sentiment":"neutral","sentiment_score":-0.03384950011968613}],"sentiment":"neutral","sentiment_score":-0.00010820738971233368,"channel":0,"num_words":10,"start":2290.305,"end":2293.745},{"sentences":[{"text":"Yep.","start":2293.55,"end":2294.05,"sentiment":"neutral","sentiment_score":-0.04046301543712616}],"sentiment":"neutral","sentiment_score":-0.04046301543712616,"channel":1,"num_words":1,"start":2293.55,"end":2294.05},{"sentences":[{"text":"too high, not too low.","start":2293.745,"end":2295.205,"sentiment":"neutral","sentiment_score":-0.05841321274638176}],"sentiment":"neutral","sentiment_score":-0.05841321274638176,"channel":0,"num_words":5,"start":2293.745,"end":2295.205},{"sentences":[{"text":"Yep.","start":2295.385,"end":2295.885,"sentiment":"neutral","sentiment_score":0.12874633073806763}],"sentiment":"neutral","sentiment_score":0.12874633073806763,"channel":1,"num_words":1,"start":2295.385,"end":2295.885},{"sentences":[{"text":"I think looking at the portfolio currently, 15% was the return for the year after fees and taxes and premiums, which was pretty good.","start":2298.145,"end":2306.3198,"sentiment":"positive","sentiment_score":0.3393901412685712},{"text":"And I've just updated the projections in that table on page 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1.6.","start":2324.925,"end":2326.685,"sentiment":"neutral","sentiment_score":0.04852996518214544},{"text":"Yep.","start":2326.685,"end":2327.185,"sentiment":"neutral","sentiment_score":0.13979513943195343}],"sentiment":"neutral","sentiment_score":0.061454047138492264,"channel":1,"num_words":6,"start":2322.21,"end":2327.185},{"sentences":[{"text":"Yep.","start":2328.01,"end":2328.51,"sentiment":"neutral","sentiment_score":0.11779709905385972},{"text":"So","start":2328.97,"end":2329.47,"sentiment":"neutral","sentiment_score":0.10104962438344955}],"sentiment":"neutral","sentiment_score":0.10942336171865463,"channel":0,"num_words":2,"start":2328.01,"end":2329.47},{"sentences":[{"text":"Yep.","start":2329.165,"end":2329.665,"sentiment":"neutral","sentiment_score":0.14718100428581238}],"sentiment":"neutral","sentiment_score":0.14718100428581238,"channel":1,"num_words":1,"start":2329.165,"end":2329.665},{"sentences":[{"text":"my best estimation is between 50 and $100, give or take.","start":2329.69,"end":2336.65,"sentiment":"neutral","sentiment_score":0.16719813441688364},{"text":"Market's gonna fluctuate.","start":2336.65,"end":2337.8699,"sentiment":"neutral","sentiment_score":-0.05292620385686556},{"text":"Things will even out.","start":2338.17,"end":2339.3699,"sentiment":"neutral","sentiment_score":0.11899323016405106},{"text":"I would love it if the world kind of relaxed a little bit for five years and we go back up to getting 15 to 25% returns and you go up to 2 mil in ten 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you know, that projection and all this stuff.","start":2378.53,"end":2383.345,"sentiment":"neutral","sentiment_score":0.0048301848159594965},{"text":"But without any projection, you've got no you've got nothing to base your decision making on.","start":2383.345,"end":2390.785,"sentiment":"neutral","sentiment_score":-0.14750042697414756},{"text":"Whilst you understand they are projections, you would rather have a conservative projection and beat it than have an inflated projection and continuously fall","start":2390.785,"end":2402.23,"sentiment":"neutral","sentiment_score":-0.200907900929451}],"sentiment":"neutral","sentiment_score":-0.13977773374348296,"channel":1,"num_words":51,"start":2378.53,"end":2402.23},{"sentences":[{"text":"Yeah.","start":2402.155,"end":2402.655,"sentiment":"neutral","sentiment_score":-0.05315055698156357}],"sentiment":"neutral","sentiment_score":-0.05315055698156357,"channel":0,"num_words":1,"start":2402.155,"end":2402.655},{"sentences":[{"text":"below 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he said, basically, our job is to get people to their goal with the least risk necessary.","start":2418.7651,"end":2423.825,"sentiment":"neutral","sentiment_score":0.2590227276086807}],"sentiment":"neutral","sentiment_score":0.1638478657696396,"channel":0,"num_words":64,"start":2403.8499,"end":2423.825},{"sentences":[{"text":"There's no","start":2424.365,"end":2424.845,"sentiment":"neutral","sentiment_score":0.057862527668476105}],"sentiment":"neutral","sentiment_score":0.057862527668476105,"channel":0,"num_words":2,"start":2424.365,"end":2424.845},{"sentences":[{"text":"Mhmm.","start":2424.66,"end":2425.16,"sentiment":"neutral","sentiment_score":-0.035819798707962036}],"sentiment":"neutral","sentiment_score":-0.035819798707962036,"channel":1,"num_words":1,"start":2424.66,"end":2425.16},{"sentences":[{"text":"point taking excessive amounts of risk to try and shoot for the stars and get everyone rich and $1,020,000,000 dollars and all this kind of thing if you don't need to do 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where, you know, there's no there's no dwelling, so you're not worried about trying to, like, lease it back or anything like that.","start":2872.73,"end":2890.2249,"sentiment":"neutral","sentiment_score":0.13491452918496244},{"text":"You could, if you needed to, adjust to someone to run their sheep on it, you know, so you were generating a little bit of income from it, and that's just somewhere","start":2890.2249,"end":2900.95,"sentiment":"neutral","sentiment_score":0.27999012917280197}],"sentiment":"neutral","sentiment_score":0.17069218044237391,"channel":1,"num_words":82,"start":2866.97,"end":2900.95},{"sentences":[{"text":"Yeah.","start":2900.78,"end":2901.28,"sentiment":"neutral","sentiment_score":-0.00028790347278118134}],"sentiment":"neutral","sentiment_score":-0.00028790347278118134,"channel":0,"num_words":1,"start":2900.78,"end":2901.28},{"sentences":[{"text":"you can get away to.","start":2900.95,"end":2902.49,"sentiment":"neutral","sentiment_score":0.01464793086051941}],"sentiment":"neutral","sentiment_score":0.01464793086051941,"channel":1,"num_words":5,"start":2900.95,"end":2902.49},{"sentences":[{"text":"And that's the thing too.","start":2904.075,"end":2905.355,"sentiment":"neutral","sentiment_score":0.10375232845544816},{"text":"The cool thing about land is you run into less issues than with the dwellings because, again, if you have a dwelling and you're living in it and you don't have it all linked up properly with businesses and unit trusts and all that, you're gonna get in trouble.","start":2905.355,"end":2918.9749,"sentiment":"neutral","sentiment_score":0.1866811632121704},{"text":"But no one's gonna know that you've just driven out to the property to go shooting.","start":2919.11,"end":2922.57,"sentiment":"neutral","sentiment_score":-0.07110631628893316}],"sentiment":"neutral","sentiment_score":0.12183482255786657,"channel":0,"num_words":70,"start":2904.075,"end":2922.57},{"sentences":[{"text":"That's right.","start":2923.16,"end":2923.8,"sentiment":"neutral","sentiment_score":0.14730677753686905},{"text":"Yeah.","start":2923.8,"end":2924.12,"sentiment":"neutral","sentiment_score":0.13771983981132507},{"text":"Yeah.","start":2924.12,"end":2924.52,"sentiment":"neutral","sentiment_score":0.1311013400554657},{"text":"Yeah.","start":2924.52,"end":2925.02,"sentiment":"neutral","sentiment_score":0.14074820280075073},{"text":"Yep.","start":2925.16,"end":2925.66,"sentiment":"neutral","sentiment_score":0.17134222388267517}],"sentiment":"neutral","sentiment_score":0.14592086027065912,"channel":1,"num_words":6,"start":2923.16,"end":2925.66},{"sentences":[{"text":"So, yeah, that's the sort of thing, I guess, that is starting to become at the forefront of our mind.","start":2927.08,"end":2935.7148,"sentiment":"neutral","sentiment_score":0.32807616889476776},{"text":"And, you know, whilst whilst we're excited with what's happening with Infiniti and all that, like Belinda said to me, she got, you know, their idea of the SMSF is purely just because they wanna get you into more properties that they sell you, and it's just accessing more capital for them to sell you more property.","start":2935.7148,"end":2959.485,"sentiment":"neutral","sentiment_score":0.3083909034990428},{"text":"That's fine.","start":2959.5652,"end":2960.125,"sentiment":"positive","sentiment_score":0.4048323929309845},{"text":"And I understand their theory, and that's great.","start":2960.125,"end":2962.6052,"sentiment":"positive","sentiment_score":0.41832586750388145},{"text":"But the rapid repay and us paying this place off is a completely separate entity or a completely separate goal to just us buying a million dollar property in our SMSF.","start":2962.6052,"end":2973.665,"sentiment":"neutral","sentiment_score":0.1695812560858265}],"sentiment":"neutral","sentiment_score":0.28434826730419016,"channel":1,"num_words":118,"start":2927.08,"end":2973.665},{"sentences":[{"text":"If we can","start":2974.28,"end":2974.8398,"sentiment":"neutral","sentiment_score":0.11726151158412297}],"sentiment":"neutral","sentiment_score":0.11726151158412297,"channel":1,"num_words":3,"start":2974.28,"end":2974.8398},{"sentences":[{"text":"Yeah.","start":2974.77,"end":2975.27,"sentiment":"neutral","sentiment_score":0.1723690778017044}],"sentiment":"neutral","sentiment_score":0.1723690778017044,"channel":0,"num_words":1,"start":2974.77,"end":2975.27},{"sentences":[{"text":"actually use that to direct us more towards what we call contentment, I think we're in a much better headspace than just having a million dollar property on the Gold Coast.","start":2974.8398,"end":2985.66,"sentiment":"positive","sentiment_score":0.39348443958067125}],"sentiment":"positive","sentiment_score":0.39348443958067125,"channel":1,"num_words":31,"start":2974.8398,"end":2985.66},{"sentences":[{"text":"And what if that's all you do?","start":2986.305,"end":2987.665,"sentiment":"neutral","sentiment_score":0.05483663161950452},{"text":"Because, again, with the those systems, getting lots of properties, selling them off, paying them off quicker, it's it's a fantastic compounding effect.","start":2987.665,"end":2996.7998,"sentiment":"positive","sentiment_score":0.6508535781632299},{"text":"And, look, I see it all the time on the Gold Coast.","start":2997.26,"end":3000.7998,"sentiment":"positive","sentiment_score":0.3338785320520401},{"text":"So many people just setting up an SMSF out of the blue.","start":3001.0999,"end":3004.3198,"sentiment":"positive","sentiment_score":0.3913649370272954},{"text":"They've got LinkedIn with buyer's agents.","start":3005.415,"end":3007.2751,"sentiment":"neutral","sentiment_score":0.30841676890850067}],"sentiment":"positive","sentiment_score":0.43178184935823083,"channel":0,"num_words":60,"start":2986.305,"end":3007.2751},{"sentences":[{"text":"They can receive $20.40, $60,000 for selling the property to you, that kind of thing.","start":3007.5752,"end":3014.955,"sentiment":"positive","sentiment_score":0.4254071374734243},{"text":"Stacking properties in that way works very, very, very well.","start":3015.2551,"end":3018.875,"sentiment":"positive","sentiment_score":0.6645021259784698},{"text":"But the question I would ask is, what if this is all you do?","start":3019.37,"end":3022.51,"sentiment":"neutral","sentiment_score":0.009809751329677445},{"text":"You just pay off this place, buy this place, and build your super up.","start":3022.57,"end":3027.3901,"sentiment":"neutral","sentiment_score":0.1421951949596405},{"text":"Isn't that the perfect outcome anyway?","start":3028.4102,"end":3030.35,"sentiment":"neutral","sentiment_score":0.011044191817442576}],"sentiment":"neutral","sentiment_score":0.25797394442103677,"channel":0,"num_words":59,"start":3007.5752,"end":3030.35},{"sentences":[{"text":"Oh, and that and, yeah, if Belinda was in here now and she heard you say that, I think that would be it.","start":3031.0798,"end":3035.88,"sentiment":"neutral","sentiment_score":0.017355493472322174},{"text":"Like, if we can work out a way between us and you and Chris, because he said they can do the accounting and auditing and everything like that, to say, well, this is what we wanna do.","start":3035.88,"end":3049.855,"sentiment":"neutral","sentiment_score":0.09953607457715112},{"text":"We know what the super balance is, and then we relook at whether we're going to, you know, pay that like, if we were gonna buy that, would we buy it with $500,000 or would we buy it with a 50% deposit and then borrow the rest knowing that our contributions or part of our contributions could then make the repayments because they're not gonna be fuck all","start":3049.9148,"end":3075.335,"sentiment":"neutral","sentiment_score":0.0332901408238446}],"sentiment":"neutral","sentiment_score":0.04957609910343308,"channel":1,"num_words":128,"start":3031.0798,"end":3075.335},{"sentences":[{"text":"Yeah.","start":3077.11,"end":3077.61,"sentiment":"neutral","sentiment_score":-0.025529803708195686}],"sentiment":"neutral","sentiment_score":-0.025529803708195686,"channel":0,"num_words":1,"start":3077.11,"end":3077.61},{"sentences":[{"text":"on 250,000, let's say, to the point that it's owned and then the SMSF trust or the Bear trust owns it, and then that's it.","start":3077.155,"end":3087.32,"sentiment":"neutral","sentiment_score":-0.0063025493919849395},{"text":"Then you just keep stacking into our all of our rest of our portfolios and leave that just sitting there.","start":3087.32,"end":3094.515,"sentiment":"neutral","sentiment_score":0.013930046372115612},{"text":"You know?","start":3094.835,"end":3095.2349,"sentiment":"neutral","sentiment_score":-0.021590866148471832},{"text":"If that means when you do get to retirement or you're getting close to retirement, you might not want that anymore and you might sell that out of the SMSF or whatever you need to do.","start":3095.2349,"end":3105.335,"sentiment":"neutral","sentiment_score":-0.03184421815805965},{"text":"But if it could get us into something as an interim movement, mate, I think that would scratch so many itches for us.","start":3106.275,"end":3115.06,"sentiment":"neutral","sentiment_score":0.008823126635473707}],"sentiment":"neutral","sentiment_score":-0.008166080006872708,"channel":1,"num_words":106,"start":3077.155,"end":3115.06},{"sentences":[{"text":"But","start":3115.12,"end":3115.62,"sentiment":"neutral","sentiment_score":0.04248736798763275}],"sentiment":"neutral","sentiment_score":0.04248736798763275,"channel":1,"num_words":1,"start":3115.12,"end":3115.62},{"sentences":[{"text":"Yeah.","start":3117.73,"end":3117.97,"sentiment":"neutral","sentiment_score":0.045179203152656555},{"text":"Yeah.","start":3117.97,"end":3118.21,"sentiment":"neutral","sentiment_score":0.055839359760284424},{"text":"Yeah.","start":3118.21,"end":3118.29,"sentiment":"neutral","sentiment_score":0.05174052342772484},{"text":"I'm hearing you.","start":3118.29,"end":3119.25,"sentiment":"neutral","sentiment_score":0.04513206581274668},{"text":"So one last question for you then is what's the the ability for this like, you did mention leasing it out.","start":3119.25,"end":3126.13,"sentiment":"neutral","sentiment_score":0.05932474402444703}],"sentiment":"neutral","sentiment_score":0.05681388549230717,"channel":0,"num_words":27,"start":3117.73,"end":3126.13},{"sentences":[{"text":"What's the ability for it to generate any of the returns?","start":3126.13,"end":3128.63,"sentiment":"neutral","sentiment_score":0.1271767487580126}],"sentiment":"neutral","sentiment_score":0.1271767487580126,"channel":0,"num_words":11,"start":3126.13,"end":3128.63},{"sentences":[{"text":"I would only think it would be either adjusting it to one of the neighboring farms for for sheep.","start":3129.925,"end":3143.02,"sentiment":"neutral","sentiment_score":0.00013872490901696045},{"text":"So it's obviously","start":3143.48,"end":3144.3,"sentiment":"neutral","sentiment_score":0.03364004877706369}],"sentiment":"neutral","sentiment_score":0.004707087254659696,"channel":1,"num_words":22,"start":3129.925,"end":3144.3},{"sentences":[{"text":"Yeah.","start":3144.07,"end":3144.57,"sentiment":"neutral","sentiment_score":0.05923600122332573}],"sentiment":"neutral","sentiment_score":0.05923600122332573,"channel":0,"num_words":1,"start":3144.07,"end":3144.57},{"sentences":[{"text":"set up to run sheep.","start":3144.3599,"end":3146.14,"sentiment":"neutral","sentiment_score":0.10702242851257324},{"text":"Secondly, the property that it shares a boundary with is actually a bow hunting, fishing adventure 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put their sheep on it and pay you a monthly fee to have their sheep on there.","start":3177.4648,"end":3190.23,"sentiment":"neutral","sentiment_score":0.1361940291065436}],"sentiment":"neutral","sentiment_score":0.13461507188204008,"channel":1,"num_words":78,"start":3154.6748,"end":3190.23},{"sentences":[{"text":"Yeah.","start":3190.6902,"end":3191.1902,"sentiment":"neutral","sentiment_score":0.1436346471309662}],"sentiment":"neutral","sentiment_score":0.1436346471309662,"channel":0,"num_words":1,"start":3190.6902,"end":3191.1902},{"sentences":[{"text":"You could put you could set up a company and put your own sheep on 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privilege.","start":3201.03,"end":3214.5352,"sentiment":"neutral","sentiment_score":0.17963294521905482},{"text":"You know what I mean?","start":3214.7551,"end":3215.5552,"sentiment":"neutral","sentiment_score":0.08222300410270691},{"text":"Like, because a lot of those areas in the New England that are sort of 500, 1,000, 2,000 acres, you go down, you pay a 100 or $200 a night to camp there.","start":3215.5552,"end":3227.02,"sentiment":"neutral","sentiment_score":0.06434006210077893}],"sentiment":"neutral","sentiment_score":0.1208387057195945,"channel":1,"num_words":83,"start":3195.67,"end":3227.02},{"sentences":[{"text":"If they shoot a deer, it might be $200.","start":3227.24,"end":3231.48,"sentiment":"neutral","sentiment_score":0.03591516779528724},{"text":"If they shoot a goat, it might be 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can do it any other way, as in adjusting farm, like, you know, planning for whatever, that would be ideal for us.","start":3368.1501,"end":3379.935,"sentiment":"neutral","sentiment_score":0.008042469155043364}],"sentiment":"neutral","sentiment_score":0.008042469155043364,"channel":1,"num_words":24,"start":3368.1501,"end":3379.935},{"sentences":[{"text":"So one thing I'm thinking too is, you know how I was talking about people getting property management through SMSF and amusement parks and things like that?","start":3381.595,"end":3392.1602,"sentiment":"neutral","sentiment_score":0.04692454208378439}],"sentiment":"neutral","sentiment_score":0.04692454208378439,"channel":0,"num_words":27,"start":3381.595,"end":3392.1602},{"sentences":[{"text":"Yep.","start":3392.19,"end":3392.69,"sentiment":"neutral","sentiment_score":0.08102117478847504}],"sentiment":"neutral","sentiment_score":0.08102117478847504,"channel":1,"num_words":1,"start":3392.19,"end":3392.69},{"sentences":[{"text":"Let's say you've got an idea of we buy this and we add some cabins on it, right, just for argument's sake.","start":3393.34,"end":3399.9202,"sentiment":"neutral","sentiment_score":0.11095758527517319}],"sentiment":"neutral","sentiment_score":0.11095758527517319,"channel":0,"num_words":22,"start":3393.34,"end":3399.9202},{"sentences":[{"text":"Yep.","start":3399.95,"end":3400.45,"sentiment":"neutral","sentiment_score":0.1171221360564232}],"sentiment":"neutral","sentiment_score":0.1171221360564232,"channel":1,"num_words":1,"start":3399.95,"end":3400.45},{"sentences":[{"text":"Everything there from an investment retirement legal standpoint, it's all gonna be, like, market rates.","start":3400.985,"end":3408.205,"sentiment":"neutral","sentiment_score":0.08738909959793091},{"text":"So let's say there's a cabin on top and people rent it for a holiday, and one of those people just happens to be you guys once through that year, 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business.","start":3453.98,"end":3463.565,"sentiment":"neutral","sentiment_score":0.09996310472488404}],"sentiment":"neutral","sentiment_score":0.09996310472488404,"channel":0,"num_words":20,"start":3453.98,"end":3463.565},{"sentences":[{"text":"Yep.","start":3464.4048,"end":3464.9048,"sentiment":"neutral","sentiment_score":0.1079479306936264}],"sentiment":"neutral","sentiment_score":0.1079479306936264,"channel":1,"num_words":1,"start":3464.4048,"end":3464.9048},{"sentences":[{"text":"And it was his business on the property, and the super was helping fund that and lease the property back.","start":3464.7449,"end":3471.9448,"sentiment":"neutral","sentiment_score":0.130733079649508},{"text":"So it was a time between their business 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but I just have this huge smile on my face looking at this flowchart they've sent you because","start":4242.115,"end":4248.9297,"sentiment":"neutral","sentiment_score":0.31528009570859095}],"sentiment":"neutral","sentiment_score":0.2536681806668639,"channel":0,"num_words":36,"start":4239.395,"end":4248.9297},{"sentences":[{"text":"Yep.","start":4248.85,"end":4249.35,"sentiment":"positive","sentiment_score":0.3726763427257538}],"sentiment":"positive","sentiment_score":0.3726763427257538,"channel":1,"num_words":1,"start":4248.85,"end":4249.35},{"sentences":[{"text":"I just went through a flowchart with the staff members last week about SMSF, and it almost mimics this 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the","start":4273.0303,"end":4279.99,"sentiment":"neutral","sentiment_score":0.06801203136833814}],"sentiment":"neutral","sentiment_score":0.06801203136833814,"channel":0,"num_words":26,"start":4273.0303,"end":4279.99},{"sentences":[{"text":"Yep.","start":4279.94,"end":4280.44,"sentiment":"neutral","sentiment_score":0.029659343883395195}],"sentiment":"neutral","sentiment_score":0.029659343883395195,"channel":1,"num_words":1,"start":4279.94,"end":4280.44},{"sentences":[{"text":"actual accounts that are sitting under the hood.","start":4279.99,"end":4282.25,"sentiment":"neutral","sentiment_score":0.03949556313455105}],"sentiment":"neutral","sentiment_score":0.03949556313455105,"channel":0,"num_words":8,"start":4279.99,"end":4282.25},{"sentences":[{"text":"Yep.","start":4282.58,"end":4283.08,"sentiment":"neutral","sentiment_score":0.1649840772151947},{"text":"And he did explain that really well about the the way that when they were first sort of out, you know, not having that bare trust 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you would recommend it would look like.","start":4475.295,"end":4506.485,"sentiment":"neutral","sentiment_score":0.13256404797236124}],"sentiment":"neutral","sentiment_score":0.13407955982097208,"channel":1,"num_words":73,"start":4469.44,"end":4506.485},{"sentences":[{"text":"If we just use that property as an example, would we look at withdrawing 50% and borrowing 50%?","start":4506.485,"end":4519.05,"sentiment":"neutral","sentiment_score":0.0315886822839578},{"text":"Would we look at withdrawing 70% and borrowing 30%?","start":4519.11,"end":4523.69,"sentiment":"neutral","sentiment_score":-0.02122611676653226},{"text":"Would we look at buying it outright?","start":4524.15,"end":4525.77,"sentiment":"neutral","sentiment_score":-0.012429230181234223},{"text":"You know, and what would that look like from an actual making something happen point of 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you know, because they see all they see is dollar signs.","start":4559.685,"end":4596.2046,"sentiment":"positive","sentiment_score":0.41502427715766294},{"text":"When they see a 43 year old with nearly a million dollars in super, they're like, fucking, let's go.","start":4596.2046,"end":4601.02,"sentiment":"neutral","sentiment_score":-0.18690013140439987},{"text":"We're gonna buy five or 10 investment prop you know, in our SMSF or we're gonna buy a 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family","start":4879.19,"end":4880.15,"sentiment":"neutral","sentiment_score":0.19628450870513917}],"sentiment":"neutral","sentiment_score":0.16211997745213685,"channel":0,"num_words":27,"start":4873.11,"end":4880.15},{"sentences":[{"text":"Yes.","start":4880.065,"end":4880.34,"sentiment":"neutral","sentiment_score":0.12281838804483414}],"sentiment":"neutral","sentiment_score":0.12281838804483414,"channel":1,"num_words":1,"start":4880.065,"end":4880.34},{"sentences":[{"text":"home where you had all the aunts and uncles and everything and cooked up some and and all the cheesecakes in the world, jam","start":4880.15,"end":4888.125,"sentiment":"neutral","sentiment_score":0.23547671362757683}],"sentiment":"neutral","sentiment_score":0.23547671362757683,"channel":0,"num_words":24,"start":4880.15,"end":4888.125},{"sentences":[{"text":"Yeah.","start":4888.02,"end":4888.52,"sentiment":"neutral","sentiment_score":0.11526302993297576}],"sentiment":"neutral","sentiment_score":0.11526302993297576,"channel":1,"num_words":1,"start":4888.02,"end":4888.52},{"sentences":[{"text":"cakes and all the rest of it.","start":4888.125,"end":4889.565,"sentiment":"neutral","sentiment_score":0.14006370625325612},{"text":"Everyone's invited when it comes to Bubba's house.","start":4889.565,"end":4892.065,"sentiment":"neutral","sentiment_score":0.31810055673122406}],"sentiment":"neutral","sentiment_score":0.23501669317483903,"channel":0,"num_words":15,"start":4888.125,"end":4892.065},{"sentences":[{"text":"You would have had a food coma.","start":4892.98,"end":4894.52,"sentiment":"neutral","sentiment_score":0.06480574341756958}],"sentiment":"neutral","sentiment_score":0.06480574341756958,"channel":1,"num_words":7,"start":4892.98,"end":4894.52},{"sentences":[{"text":"Yeah.","start":4895.4053,"end":4895.645,"sentiment":"neutral","sentiment_score":0.08651350438594818},{"text":"It was serious, and then she sent me home with because my favorite's always been her cheesecake since I've been little.","start":4895.645,"end":4901.17,"sentiment":"neutral","sentiment_score":0.10132294165946189},{"text":"She gives me an entire container full of it and then a whole","start":4901.17,"end":4904.0503,"sentiment":"neutral","sentiment_score":0.07684423545232186}],"sentiment":"neutral","sentiment_score":0.09180772400328091,"channel":0,"num_words":35,"start":4895.4053,"end":4904.0503},{"sentences":[{"text":"Yep.","start":4904.015,"end":4904.515,"sentiment":"neutral","sentiment_score":-0.013951330445706844}],"sentiment":"neutral","sentiment_score":-0.013951330445706844,"channel":1,"num_words":1,"start":4904.015,"end":4904.515},{"sentences":[{"text":"bunch of leftovers, and then I'm basically dead for two weeks eating the same","start":4904.0503,"end":4908.37,"sentiment":"neutral","sentiment_score":-0.18014021696788923}],"sentiment":"neutral","sentiment_score":-0.18014021696788923,"channel":0,"num_words":14,"start":4904.0503,"end":4908.37},{"sentences":[{"text":"Yep.","start":4908.2554,"end":4908.7554,"sentiment":"neutral","sentiment_score":-0.08291106671094894}],"sentiment":"neutral","sentiment_score":-0.08291106671094894,"channel":1,"num_words":1,"start":4908.2554,"end":4908.7554},{"sentences":[{"text":"thing.","start":4908.37,"end":4908.87,"sentiment":"neutral","sentiment_score":-0.04227662831544876}],"sentiment":"neutral","sentiment_score":-0.04227662831544876,"channel":0,"num_words":1,"start":4908.37,"end":4908.87},{"sentences":[{"text":"Yeah.","start":4910.49,"end":4910.73,"sentiment":"neutral","sentiment_score":0.03188832104206085},{"text":"Roger.","start":4910.73,"end":4911.23,"sentiment":"neutral","sentiment_score":0.04273210093379021},{"text":"Alright, mate.","start":4911.29,"end":4911.93,"sentiment":"neutral","sentiment_score":0.1468946784734726},{"text":"Well, we will we won't hold you up too much longer, and we'll have a look at all this stuff.","start":4911.93,"end":4917.13,"sentiment":"neutral","sentiment_score":0.05598921924829483},{"text":"I'll get it all signed off on the iPad and sent back to you and then go from there.","start":4917.13,"end":4922.17,"sentiment":"neutral","sentiment_score":0.11204714524118524}],"sentiment":"neutral","sentiment_score":0.08411837031328401,"channel":1,"num_words":43,"start":4910.49,"end":4922.17},{"sentences":[{"text":"Thank you.","start":4922.17,"end":4922.91,"sentiment":"positive","sentiment_score":0.34823814034461975}],"sentiment":"positive","sentiment_score":0.34823814034461975,"channel":1,"num_words":2,"start":4922.17,"end":4922.91},{"sentences":[{"text":"No.","start":4923.28,"end":4923.52,"sentiment":"neutral","sentiment_score":0.010977678000926971},{"text":"Thank you very much, Linda and Carl.","start":4923.52,"end":4925.46,"sentiment":"positive","sentiment_score":0.36324548721313477},{"text":"I'm gonna flick you back a quick reply to your email.","start":4925.6797,"end":4928.08,"sentiment":"neutral","sentiment_score":0.1735696941614151},{"text":"I've graffitied on that picture a little bit just to add in the context of the I'm gonna call it my graffiti.","start":4928.08,"end":4935.06,"sentiment":"neutral","sentiment_score":0.07311278192157095},{"text":"The context of the accounts for the investments.","start":4936.5347,"end":4939.355,"sentiment":"neutral","sentiment_score":0.038800247479230165}],"sentiment":"neutral","sentiment_score":0.13024175319136405,"channel":0,"num_words":49,"start":4923.28,"end":4939.355},{"sentences":[{"text":"Yep.","start":4940.13,"end":4940.63,"sentiment":"neutral","sentiment_score":0.07036163657903671}],"sentiment":"neutral","sentiment_score":0.07036163657903671,"channel":1,"num_words":1,"start":4940.13,"end":4940.63},{"sentences":[{"text":"Outside of that, I do have a separate email coming to you just for the renewed service agreement because that that clicked off last month.","start":4941.0146,"end":4949.1147,"sentiment":"neutral","sentiment_score":0.041282073184847834}],"sentiment":"neutral","sentiment_score":0.041282073184847834,"channel":0,"num_words":25,"start":4941.0146,"end":4949.1147},{"sentences":[{"text":"Mhmm.","start":4949.57,"end":4949.82,"sentiment":"neutral","sentiment_score":0.04187511280179024},{"text":"Yep.","start":4949.82,"end":4950.075,"sentiment":"neutral","sentiment_score":0.0707208514213562}],"sentiment":"neutral","sentiment_score":0.05629798211157322,"channel":1,"num_words":2,"start":4949.57,"end":4950.075},{"sentences":[{"text":"So I'll pop that through to you separately.","start":4950.57,"end":4952.19,"sentiment":"neutral","sentiment_score":0.06584148155525327},{"text":"Just wanted to make sure you were happy with the strategy first.","start":4952.33,"end":4954.83,"sentiment":"neutral","sentiment_score":0.10907947706679504}],"sentiment":"neutral","sentiment_score":0.09178427886217833,"channel":0,"num_words":20,"start":4950.57,"end":4954.83},{"sentences":[{"text":"Yeah.","start":4955.435,"end":4955.935,"sentiment":"neutral","sentiment_score":0.14612364768981934},{"text":"Yep.","start":4955.995,"end":4956.495,"sentiment":"neutral","sentiment_score":0.16106419265270233},{"text":"Sounds good.","start":4956.6353,"end":4957.615,"sentiment":"positive","sentiment_score":0.4760928750038147}],"sentiment":"neutral","sentiment_score":0.31484339758753777,"channel":1,"num_words":4,"start":4955.435,"end":4957.615},{"sentences":[{"text":"Awesome, guys.","start":4958.25,"end":4958.9697,"sentiment":"positive","sentiment_score":0.6331627368927002},{"text":"I'll pop that through to you now.","start":4958.9697,"end":4960.4897,"sentiment":"positive","sentiment_score":0.34101255025182453},{"text":"So there'll be two Odoo emails and","start":4960.4897,"end":4963.755,"sentiment":"neutral","sentiment_score":0.11693749044622694}],"sentiment":"neutral","sentiment_score":0.27949848491698503,"channel":0,"num_words":16,"start":4958.25,"end":4963.755},{"sentences":[{"text":"Yep.","start":4963.66,"end":4964.16,"sentiment":"neutral","sentiment_score":0.0938166081905365}],"sentiment":"neutral","sentiment_score":0.0938166081905365,"channel":1,"num_words":1,"start":4963.66,"end":4964.16},{"sentences":[{"text":"my graffiti, and I will talk to you guys around tax time.","start":4963.755,"end":4967.855,"sentiment":"neutral","sentiment_score":0.09891355658570926}],"sentiment":"neutral","sentiment_score":0.09891355658570926,"channel":0,"num_words":12,"start":4963.755,"end":4967.855},{"sentences":[{"text":"There's no changes to the fee structure or anything in that renewed service agreement?","start":4968.14,"end":4972.32,"sentiment":"neutral","sentiment_score":0.02252295453633581}],"sentiment":"neutral","sentiment_score":0.02252295453633581,"channel":1,"num_words":14,"start":4968.14,"end":4972.32},{"sentences":[{"text":"No.","start":4972.715,"end":4973.0347,"sentiment":"neutral","sentiment_score":-0.07909107208251953},{"text":"Still discounted","start":4973.0347,"end":4973.855,"sentiment":"neutral","sentiment_score":-0.056416578590869904}],"sentiment":"neutral","sentiment_score":-0.06397474308808644,"channel":0,"num_words":3,"start":4972.715,"end":4973.855},{"sentences":[{"text":"No.","start":4973.58,"end":4974.08,"sentiment":"neutral","sentiment_score":-0.08637557923793793}],"sentiment":"neutral","sentiment_score":-0.08637557923793793,"channel":1,"num_words":1,"start":4973.58,"end":4974.08},{"sentences":[{"text":"to 1.1.","start":4973.915,"end":4974.975,"sentiment":"neutral","sentiment_score":-0.03909841738641262}],"sentiment":"neutral","sentiment_score":-0.03909841738641262,"channel":0,"num_words":2,"start":4973.915,"end":4974.975},{"sentences":[{"text":"Yep.","start":4975.2603,"end":4975.7603,"sentiment":"neutral","sentiment_score":0.1137939915060997}],"sentiment":"neutral","sentiment_score":0.1137939915060997,"channel":1,"num_words":1,"start":4975.2603,"end":4975.7603},{"sentences":[{"text":"You're getting close to the cap.","start":4975.275,"end":4976.79,"sentiment":"neutral","sentiment_score":0.24663729717334112},{"text":"So Sevvy is very excited, but we've almost got you there, and everyone's happy.","start":4976.95,"end":4981.37,"sentiment":"positive","sentiment_score":0.550537931067603},{"text":"And anything you need, you just give us a call.","start":4981.59,"end":4984.65,"sentiment":"neutral","sentiment_score":0.246835295855999}],"sentiment":"positive","sentiment_score":0.3885235925515493,"channel":0,"num_words":30,"start":4975.275,"end":4984.65},{"sentences":[{"text":"Yep.","start":4984.625,"end":4984.8647,"sentiment":"neutral","sentiment_score":0.14651773869991302},{"text":"Alright, mate.","start":4984.8647,"end":4985.505,"sentiment":"neutral","sentiment_score":0.3280040770769119},{"text":"Sounds good.","start":4985.505,"end":4986.225,"sentiment":"positive","sentiment_score":0.6208978593349457},{"text":"Thanks for that.","start":4986.225,"end":4987.205,"sentiment":"positive","sentiment_score":0.7493759393692017}],"sentiment":"positive","sentiment_score":0.5365561787039042,"channel":1,"num_words":8,"start":4984.625,"end":4987.205},{"sentences":[{"text":"Thanks, guys.","start":4987.19,"end":4987.91,"sentiment":"positive","sentiment_score":0.7126857340335846},{"text":"Have a good night.","start":4987.91,"end":4988.63,"sentiment":"positive","sentiment_score":0.6151935905218124},{"text":"Bye.","start":4988.63,"end":4989.13,"sentiment":"neutral","sentiment_score":0.3247047960758209}],"sentiment":"positive","sentiment_score":0.6015500894614628,"channel":0,"num_words":7,"start":4987.19,"end":4989.13},{"sentences":[{"text":"Thanks, Tommy.","start":4988.705,"end":4989.425,"sentiment":"positive","sentiment_score":0.5255138576030731},{"text":"See you, mate.","start":4989.425,"end":4989.905,"sentiment":"positive","sentiment_score":0.4616662363211314},{"text":"Bye.","start":4989.905,"end":4990.405,"sentiment":"neutral","sentiment_score":0.0002554274396970868}],"sentiment":"positive","sentiment_score":0.40604697526820627,"channel":1,"num_words":6,"start":4988.705,"end":4990.405}]},"summary":{"result":"success","short":"The speakers emphasize the importance of maintaining a stable lifestyle and maintaining a portfolio for five to ten years to achieve a better outcome. They also discuss the benefits of using a property as a cattle farm and maintaining a positive lifestyle, including the need for continuous improvement over five to ten years to achieve a better outcome. The speakers emphasize the importance of avoiding political embarrassment and the need for a safe setup for the company, and suggest using bank accounts or Macquarie cash management accounts to distribute funds. They also emphasize the importance of working with the industry and offer to discuss potential ideas with the other participants."},"intents":{"segments":[{"text":"The Mia's got a old motorbike parked out the front, and we just put a new old motorbike together for her. So she's been burning around all afternoon and just Oh, been over and fed the cows, I think.","start_word":333,"end_word":371,"intents":[{"intent":"Inquire about mika's health","confidence_score":2.3527468e-7}]},{"text":"The the volatility at the moment is daily at the moment. So this morning, it was at 08:11. They updated the unit prices at 3PM, and it jumped to $8.14 $6.80.","start_word":968,"end_word":998,"intents":[{"intent":"Report gas price update","confidence_score":0.00007632526}]},{"text":"You you don't have visibility to QSuper, but I got a I gave QC accountancy authority to deduct the Div two nine three from super at the end of last year, but something happened and it slipped through the cracks, and they didn't do it. Okay.","start_word":1022,"end_word":1067,"intents":[{"intent":"Verify participation in div 294 and div 294","confidence_score":7.0554194e-7}]},{"text":"And did you get much of an an outcome out of the EBA negotiations?","start_word":1193,"end_word":1206,"intents":[{"intent":"Discuss eba negotiations","confidence_score":0.09079147}]},{"text":"they still haven't provided any clarification around there's a new set of medical standards coming in in Queensland that all pilots are gonna be tested to, Yep.","start_word":1250,"end_word":1276,"intents":[{"intent":"Discuss medical standards in caliber","confidence_score":0.000040426694}]},{"text":"And they didn't want to include anything about those medical standards in the EBA, so they said what we were gonna do was form a working group, which was gonna sit outside of the EA, and it was all gonna be discussed in a working group.","start_word":1277,"end_word":1322,"intents":[{"intent":"Form working group","confidence_score":0.15478323}]},{"text":"So the delegates and staff are a little bit frustrated with like, also, we got a lot of the stuff we wanted in the EA.","start_word":1339,"end_word":1363,"intents":[{"intent":"Express frustration with delegates and staff","confidence_score":0.02716362}]},{"text":"There's a lot of those key factors that they haven't come to the party on.","start_word":1364,"end_word":1378,"intents":[{"intent":"Discuss key factors in caliber","confidence_score":0.00083923613}]},{"text":"So I'm not sure if they're gonna put it out to the members for a vote or what the goal is, but, like, Wow. financially, it's not too bad. It's well, they can only go because we're a GOC, they can only go up in increment as what the government wages policy is. And so where that bit us in the ass is that the the port negotiated before the government changed in Queensland.","start_word":1380,"end_word":1453,"intents":[{"intent":"Discuss negotiations","confidence_score":0.26483184}]},{"text":"but we did get a couple of other things that they got through. So it'll end up being a pretty good package in another three years or something like that. But Yeah.","start_word":1533,"end_word":1564,"intents":[{"intent":"Discuss issues","confidence_score":0.0024294027}]},{"text":"just a bit disappointing not to figure out what the go was with those insurances because, like you said, that's such a big a big thing whether it's been sitting there all these years or if it's currently on offer, makes Yeah.","start_word":1568,"end_word":1609,"intents":[{"intent":"Express dissatisfaction","confidence_score":0.010656378}]},{"text":"I guess it'll take time, these things do, but it'd be nice to know what the goal is with it.","start_word":1628,"end_word":1647,"intents":[{"intent":"Discuss goals","confidence_score":0.016029928}]},{"text":"Actually, this one was really fun to write because, obviously, everything that was going on recently in the markets, we're again, I've scoped this right down to just the the portfolio review while everything else is kind of pending with the property SMSF insurances and so on.","start_word":1902,"end_word":1948,"intents":[{"intent":"Discuss portfolio review","confidence_score":0.0393078}]},{"text":"I did include a little bit of estate planning just to make sure your wills and power of attorney and everything are up to date.","start_word":2067,"end_word":2091,"intents":[{"intent":"Include estate planning","confidence_score":0.068031155}]},{"text":"once we've got an idea, we can make some changes there because I would I would love to be able to close down the old QSuper, get the insurances moved around.","start_word":2169,"end_word":2199,"intents":[{"intent":"Resolve qsuper budget","confidence_score":0.0011755308}]},{"text":"They'll I mean, there'll be a few changes in the assets and stuff like we sold Belinda's Purrado. She's got a little BMW now, so we don't have as much in the Asset value.","start_word":2457,"end_word":2490,"intents":[{"intent":"Update asset values","confidence_score":0.06115958}]},{"text":"thinking these days when it comes to moving out to the farm?","start_word":2822,"end_word":2833,"intents":[{"intent":"Guide farm moves","confidence_score":0.000056886056}]},{"text":"So, yeah, that's probably the, I guess, the biggest change to the goals, if you will, is to try and maybe get into something sooner, but have it as somewhere as just that we can escape to but continue to live here and try and pay our mortgage out here. Yeah.","start_word":3308,"end_word":3358,"intents":[{"intent":"Discuss goals","confidence_score":0.07319052}]},{"text":"I wanna retire and enjoy retirement. If we wanna go traveling, we can just lock up and go kinda thing where if we buy ourselves a farm at the age of 50, we kinda can't do that.","start_word":3485,"end_word":3521,"intents":[{"intent":"Plan retirement","confidence_score":0.0072667454}]},{"text":"If we wanna go traveling, we can just lock up and go kinda thing where if we buy ourselves a farm at the age of 50, we kinda can't do that. Yeah.","start_word":3491,"end_word":3522,"intents":[{"intent":"Explore travel plans","confidence_score":0.0012379194}]},{"text":"And and that sort of block is not necessarily the best farming block. It's more just to have somewhere to go to escape to. And yeah.","start_word":3691,"end_word":3716,"intents":[{"intent":"Explore alternative options","confidence_score":0.0041606436}]},{"text":"Then you go, well, if someone gave you 5,000,000, like, what, like, what would you actually do with it? Like, because if you can't even put down on paper what you're doing it for, then none of the goals are realistic anyway. Because if you turned around to me tomorrow and said someone's given you $2,000,000 what are you gonna do?","start_word":3925,"end_word":3985,"intents":[{"intent":"Discuss financial goals","confidence_score":0.018342178}]},{"text":"Well, we would pay this house out and we'd probably look for a lifestyle block.","start_word":3985,"end_word":3999,"intents":[{"intent":"Discuss lifestyle block","confidence_score":0.18714558}]},{"text":"We want a rapid repay.","start_word":4085,"end_word":4089,"intents":[{"intent":"Discuss rapid repay","confidence_score":0.37581506}]},{"text":"And for the first time in twelve months or longer, we've put an extra $6,000 into the mortgage, Yeah.","start_word":4130,"end_word":4148,"intents":[{"intent":"Discuss mortgage","confidence_score":0.55020267}]},{"text":"But their process for us is primarily the rapid repay and the mortgage reduction, whether or not we invest in a $1,000,000 house on the Gold Coast in our SMSF or whether we go well, actually, it's probably more important to us to look for one of these. Like, as long as it passes all the requirements, the arms, legs requirements, and the genuine business and all that sort of stuff, Yeah.","start_word":4221,"end_word":4292,"intents":[{"intent":"Discuss ssf process","confidence_score":0.11215858},{"intent":"Discuss investing in a house","confidence_score":0.010018649}]},{"text":"I'm noticing it more and more the more people I talk to. Like, a couple of things when it comes to goals and lifestyle is everyone's kind of trying to play out a retirement that someone else had the idea of. Yep.","start_word":4400,"end_word":4441,"intents":[{"intent":"Address financial goals","confidence_score":0.011855696}]},{"text":"When it comes to, obviously, the SMSF side of things again, just work with Chris on all of those rules and regulations.","start_word":4710,"end_word":4731,"intents":[{"intent":"Discuss ssf financial plans","confidence_score":0.0010887664}]},{"text":"So what this table basically shows, we've updated our documents a little bit.","start_word":5369,"end_word":5381,"intents":[{"intent":"Update documents","confidence_score":0.09745152}]},{"text":"The main thing that this does, all the ones at the top, we're rebalancing because the market's gone crazy the last twelve months since we last spoke, and Yep. a whole bunch of your investments are just going out of skew. They've gone really high, really low. They just need to be brought back to middle ground. Yep.","start_word":5396,"end_word":5453,"intents":[{"intent":"Analyze market cycles","confidence_score":0.00021171091}]},{"text":"You'll have a pretty similar setup. You go down below. There's a table management fee in the middle, 0.9%, and it's a blue website. Yeah.","start_word":5789,"end_word":5813,"intents":[{"intent":"Explain fund setup","confidence_score":0.00076116197}]},{"text":"This is, again, just keeping it same risk level. Not Yep.","start_word":6358,"end_word":6368,"intents":[{"intent":"Evaluate portfolio risk","confidence_score":0.0014305623}]},{"text":"I would love it if the world kind of relaxed a little bit for five years and we go back up to getting 15 to 25% returns and you go up to 2 mil in ten years.","start_word":6455,"end_word":6491,"intents":[{"intent":"Maximize yearly investment goals","confidence_score":5.528591e-9}]},{"text":"then we can do an analysis. Is And we can go, okay. This is how long it's gonna actually last. There's no point there me telling you 5,000,000, you're gonna last for a 100 is there any benefit to me contributing to Belinda's years.","start_word":7081,"end_word":7124,"intents":[{"intent":"Analyze portfolio life","confidence_score":0.00017342076}]},{"text":"You've got estate taxes to worry about. So if it filters through past you guys to adult children, they cop a bit there as well.","start_word":7584,"end_word":7608,"intents":[{"intent":"Evaluate estate taxes","confidence_score":0.021921664}]},{"text":"The cool thing about land is you run into less issues than with the dwellings because, again, if you have a dwelling and you're living in it and you don't have it all linked up properly with businesses and unit trusts and all that, you're gonna get in trouble.","start_word":7957,"end_word":8005,"intents":[{"intent":"Highlight land benefits","confidence_score":0.0022740301}]},{"text":"So many people just setting up an SMSF out of the blue. They've got LinkedIn with buyer's agents. They can receive $20.40, $60,000 for selling the property to you, that kind of thing.","start_word":8223,"end_word":8255,"intents":[{"intent":"Evaluate ssff's advantages","confidence_score":0.00092884497}]},{"text":"The other thing that Belinda said, and I quickly looked into it, but realized it was it's possible, but it's very, very difficult is using SMSF to buy farms for carbon credits. Yeah. Right.","start_word":8838,"end_word":8871,"intents":[{"intent":"Evaluate carbon credits","confidence_score":0.010004001}]},{"text":"into it briefly was that if you do do carbon credits, you have to lock in for twenty five or a hundred years. So that's where it's met with very significant, I guess, complexity.","start_word":9092,"end_word":9125,"intents":[{"intent":"Discussing carbon credits","confidence_score":0.053540837}]},{"text":"So one thing I'm thinking too is, you know how I was talking about people getting property management through SMSF and amusement parks and things like that? Yep.","start_word":9160,"end_word":9187,"intents":[{"intent":"Discussing property management","confidence_score":0.41439873}]},{"text":"Everything there from an investment retirement legal standpoint, it's all gonna be, like, market rates. So let's say there's a cabin on top and people rent it for a holiday, and one of those people just happens to be you guys once through that year, and Yep. you use the property and you pay a market rate, which is essentially paying your own super you're paying yourself. Do you know Yep.","start_word":9211,"end_word":9281,"intents":[{"intent":"Discussing market rates","confidence_score":0.13081473}]},{"text":"There's another guy I met that he owns his farm in their trust, but his SMSF is so they've got a lease to buy the farm next door. So the SMSF is leasing the farm next door, but with an agreement off the property owner that once the once it's paid out, they'll transfer the title kind of thing. So they'll, like, live next door to them for years and years, and Yeah.","start_word":9568,"end_word":9640,"intents":[{"intent":"Clarify property ownership arrangement","confidence_score":0.000095150375}]},{"text":"In terms of entities, either Yep. you to yourself or you to someone else. Yep.","start_word":9738,"end_word":9752,"intents":[{"intent":"Evaluate yep ownership options","confidence_score":0.000022672562}]},{"text":"He's like, book yourself business class flights, come down, book yourself a nice accommodation.","start_word":10251,"end_word":10264,"intents":[{"intent":"Plan business trip","confidence_score":0.0001247134}]},{"text":"It's pretty much a bit of a rebalance of the portfolio weightings, the Yep. replacement of the Bennelong, Yes. the addition of those three options, bit of a rollover from QSuper.","start_word":10353,"end_word":10383,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.062702484}]},{"text":"When it comes to SMSF, accountants do the entities, advisors Yes. do the product and the strategy. So if we get a good plan together and everyone's happy with it, they'll set up the trust and the companies and everything like that.","start_word":10549,"end_word":10590,"intents":[{"intent":"Discuss smsf plan","confidence_score":0.000026510319}]},{"text":"So if we get a good plan together and everyone's happy with it, they'll set up the trust and the companies and everything like that.","start_word":10566,"end_word":10590,"intents":[{"intent":"Set up trust","confidence_score":0.45115823}]},{"text":"set up the bank accounts and the investment accounts, and Yes.","start_word":10593,"end_word":10603,"intents":[{"intent":"Set up bank accounts","confidence_score":0.54891515}]},{"text":"Couple of cool things we can do as long as we get the right bank account, such as like a a Macquarie cash management account or something like that, that'll facilitate all of your transactions, rental income contributions, Yeah.","start_word":10611,"end_word":10649,"intents":[{"intent":"Facilitate transactions","confidence_score":0.48629826}]},{"text":"Don't even have to sell it down.","start_word":10680,"end_word":10686,"intents":[{"intent":"Sell off smf account","confidence_score":0.034508076}]},{"text":"Having to have funds go to q super and and Belinda's super and then an SMSF on the side and rolling funds around all year, that can be really painful Yes.","start_word":10786,"end_word":10816,"intents":[{"intent":"Manage funds","confidence_score":0.10025613}]},{"text":"You'll get another email there now that New Haven basically sent through when they were explaining how the SMSF structure worked, which was very in line with the very quick synopsis that you gave me about the cash managed account.","start_word":11150,"end_word":11189,"intents":[{"intent":"Discuss ssf structure","confidence_score":0.16458051}]},{"text":"What what when I look at this, this is explaining your entities really, really well in terms of the SMSF trustee, having to have the bare trust, the bare trustee, and the property, the lender, all that kind of thing. Yes.","start_word":11474,"end_word":11514,"intents":[{"intent":"Discuss ssf trustee and trust","confidence_score":0.005646167},{"intent":"Discuss smf trust and beartrust","confidence_score":0.024965744},{"intent":"Discuss ssf trustee and trust portfolio","confidence_score":0.0007048279},{"intent":"Clarify ssf trustee","confidence_score":0.00007552971},{"intent":"Discuss smf trustee's role","confidence_score":0.0103679225}]},{"text":"What I was explaining before to you, Carl, about the bank account and the investment account is just zooming in on that yellow side and the Yep. actual accounts that are sitting under the hood. Yep.","start_word":11515,"end_word":11550,"intents":[{"intent":"Explain bank account and investment account","confidence_score":0.08948574}]},{"text":"And he did explain that really well about the the way that when they were first sort of out, you know, not having that bare trust just meant that there was more risk and all that stuff.","start_word":11551,"end_word":11587,"intents":[{"intent":"Explain risk and smf trust","confidence_score":0.00005394955}]},{"text":"What's your thoughts on the ground with the government reducing the capital gains discount tax?","start_word":11808,"end_word":11822,"intents":[{"intent":"Discuss government restrictions on capital gains discount tax","confidence_score":0.03262078}]},{"text":"So changing the percentages is gonna be the most detrimental to a lot of people.","start_word":11998,"end_word":12012,"intents":[{"intent":"Recommend drastic changes in property allocation","confidence_score":0.000005180856}]},{"text":"When it comes to the SMSF ideas, I'll definitely have a chat to Chris and Savi about it.","start_word":12824,"end_word":12841,"intents":[{"intent":"Invite collaboration","confidence_score":0.00065656146}]},{"text":"And if those line up over the next couple of months, it becomes much, much more of a realistic thing to dive into. So Yep. exactly what you said about the ideas about whether you go outright or partial loan, things like that, I'll spit all those ideas, but I'm seeing this happening after end of financial year. Yep.","start_word":12919,"end_word":12977,"intents":[{"intent":"Discuss financial options","confidence_score":0.003961985}]},{"text":"and also, because I'm going away on paternity leave in June with my daughter on arrival, I'll make sure Savvy's there on call for that month Yep. until I get back around July. Congratulations.","start_word":12979,"end_word":13012,"intents":[{"intent":"Determine plans for paternity leave","confidence_score":0.000009716045}]},{"text":"How exciting. Thank you.","start_word":13013,"end_word":13016,"intents":[{"intent":"Congratulate on getting pregnant","confidence_score":0.003642387}]},{"text":"Well, my wife, Alexis, she's already had a much more rough pregnancy. She said that apparently girls are really hard in pregnancy, and that's all I've heard around the office. And her back's killing her.","start_word":13059,"end_word":13093,"intents":[{"intent":"Share experiences with thomas","confidence_score":7.6788575e-7}]},{"text":"Wait till they turn, I don't know, maybe, like, eleven or twelve, and then you'll know a whole different kind of world of cuisine when it comes No, to Belinda.","start_word":13105,"end_word":13134,"intents":[{"intent":"Discuss traveling experiences","confidence_score":0.00041179877}]},{"text":"and you were still allowed to go away for traditional Croatian cooking with the boys while you had a heavily pregnant wife. She must be very understanding.","start_word":13139,"end_word":13165,"intents":[{"intent":"Discuss cooking experience","confidence_score":0.026611302}]},{"text":"We brought everyone over to my grandmother's house, my my bubba over there, and we all helped cook it up because she's she's 86 now. She's Yes.","start_word":13181,"end_word":13207,"intents":[{"intent":"Inquire about age","confidence_score":0.000060106064}]}]},"sentiments":{"segments":[{"text":"Hi. If you record your name and reason for calling, I'll see if this person is available. Tommy from Oakview Financial.","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.019524967297911644},{"text":"Thanks, Tommy.","start_word":21,"end_word":22,"sentiment":"positive","sentiment_score":0.3464409410953522},{"text":"Please stay on the line. Hi, mate. How are you? Living the dream, Carl. How you been?","start_word":23,"end_word":39,"sentiment":"neutral","sentiment_score":0.18516263365745544},{"text":"Good. Thank you, mate. Good to hear. Good to hear.","start_word":40,"end_word":49,"sentiment":"positive","sentiment_score":0.5634245872497559},{"text":"You've got the fancy call forwarding service on, sir. I think it just automatically must have turned itself on with the latest update because it's not anything that I've done. But I did find it particularly useful for reducing the number of unwanted calls that come through, so I've left it in place.","start_word":50,"end_word":102,"sentiment":"neutral","sentiment_score":0.23349732160568237},{"text":"I think it's brilliant.","start_word":103,"end_word":106,"sentiment":"positive","sentiment_score":0.783517599105835},{"text":"I've been noticing it a lot more recently, and I think I want to get it on mine. Are you on is it iPhone? Or Yeah. IPhone. Yeah.","start_word":107,"end_word":134,"sentiment":"neutral","sentiment_score":0.1887577474117279},{"text":"that is very cool. Very cool.","start_word":135,"end_word":140,"sentiment":"positive","sentiment_score":0.6236568093299866},{"text":"Mate, I'm gonna send you through this updated statement of advice to your Hotmail address. Is that okay? Yep. Perfect. Before I jump into it, usual security process, even though I know it is you. Mhmm. Are you able to confirm your date of birth and address, please? 08/1983 and 457 Jim White Way, Baruah, Queensland 4680.","start_word":141,"end_word":197,"sentiment":"neutral","sentiment_score":0.050951503217220306},{"text":"Fantastic. Thank you for that call.","start_word":198,"end_word":203,"sentiment":"positive","sentiment_score":0.4325420558452606},{"text":"And are you okay for the call to be recorded? Yep. Legendary. Mate, I've just shot that through. We're using a new system that we've kind of custom built at the moment, so Yep. it may come through to your main inbox or your spam box. So Okay. just let me know if that kind of pops through okay. Yep. I've got Belinda sitting here with me as well so that, Hey, you know, Belinda. that we Am I on speakerphone? How Yeah. are you doing? How are you going?","start_word":204,"end_word":293,"sentiment":"neutral","sentiment_score":0.04606740549206734},{"text":"Fantastic. It is absolutely brilliant of an evening at the moment. The sun's just setting behind me over the Marina Mirage. It's cool. It's beautiful.","start_word":294,"end_word":318,"sentiment":"positive","sentiment_score":0.5208051800727844},{"text":"What about your end? Yeah. That sounds just kinda reset over the dam. The Mia's got a old motorbike parked out the front, and we just put a new old motorbike together for her. So she's been burning around all afternoon and just Oh, been over and fed the cows, I think. So, yeah, I love not it. terrible. Now do you guys want me to flick you through a bit of a a Teams invite to do a video call? You prefer just sort of going through it over the phone? What's easier for you? I don't mind. This is fine. Just on speaker and, yeah, that's fine, mate. If nothing's come through to either inbox or spam just as of yet, Perfect. but I'll just do a manual send and receive. And then what I'll do too is I'm gonna shoot it through from my email address directly as well. Most of the times, it's pretty instant, but I have had twice where it came through after about three, four minutes or so. Okay. So I'm just gonna do another attachment as well. Statement of advice. Two won't be too sexy, Carl. Yeah. So how's everything been going with you guys? Easter was fun. Easter was crazy. Going through all the fun investment stuff, you've got all kinds of things going on. Yeah. The Easter was pretty standard for us. We usually try to get back to the South Coast where we used to live, and our friends down there have a a small farm, and they used to be our neighbors when we lived down there. So the girls are relatively all the same age. So we all drove down there together. So we did Gladstone to Dubbo. Dubbo and then Dubbo to Tumut and then spend a night with Belinda's family, and then we did Tumut to the South Coast. And then we had five days there. Then Belinda flew home from Murumbula. Me and the girls stayed for another five days and then drove home around two days ago. Yeah.","start_word":319,"end_word":663,"sentiment":"neutral","sentiment_score":0.08046776759235755},{"text":"So that's always good.","start_word":664,"end_word":667,"sentiment":"positive","sentiment_score":0.5844933390617371},{"text":"Jason and kids Oh, yeah. just being kids and, yeah, all that sort of stuff. Today, is it? No? What's that? Is that collapsed or is that open? Oh, there's nothing right now. Okay. And did you cut much from the the fuel issues driving around so much at the time? No. Except for the the fact that it's ridiculously expensive, but thank you to the Queensland government state taxpayers who finally have agreed to pay for my fuel. Yeah. It wasn't too much of a burden for us, but There was no shortage. There was no shortages. There was no yeah. Nothing.","start_word":668,"end_word":770,"sentiment":"neutral","sentiment_score":0.037867542428588405},{"text":"That's good.","start_word":771,"end_word":772,"sentiment":"positive","sentiment_score":0.3546594977378845},{"text":"Just high price, but we're able to get there enough. Yeah. No Yeah. one's fighting over Oh, yeah. it. Mad Nothing. Max style. The ones come through from your address directly, but nothing Yep. nothing else has come through. That's alright. I'll hit a resend on that one, and it may come through a little bit later. Yep. The filtering's always a bit rough on the first one that we send. So Yep. we'll just go through that one that I sent through the the PDF attachment.","start_word":773,"end_word":859,"sentiment":"neutral","sentiment_score":0.00446355901658535},{"text":"Perfect.","start_word":860,"end_word":860,"sentiment":"positive","sentiment_score":0.45796746015548706},{"text":"Now when you've got that open, if you can let me know if you can see that beachfront city picture, Yep. I'll run you through. Yep. And just before I do that too, I was having a look at the old hub account. It's kind of done a little bit of a bounce back recently, which is good. Not sure Yeah. if you've been logging in recently. I checked the other day. It was back to, like, 08:10, I think. So I haven't 08:09 maybe. I haven't seen where it's at in the last maybe week, if not, maybe less than that. Yeah. Where is it? Yeah. The the volatility at the moment is daily at the moment. So this morning, it was at 08:11. They updated the unit prices at 3PM, and it jumped to $8.14 $6.80. Okay. So it's just thousands a day at the moment. Yep. Yeah. Yeah. And then you you might see I don't know. You you don't have visibility to QSuper, but I got a I gave QC accountancy authority to deduct the Div two nine three from super at the end of last year, but something happened and it slipped through the cracks, and they didn't do it. Okay. So I got a reminder the other day, but they added another 3,900 or close enough to $4,000 to that as well. And I thought initially Right. in the correspondence that I'd got that that was interest that was charged because the 4,500 wasn't paid on time. But digging a little deeper, Chris found that it was additional BCC contributions that hadn't been deducted or something. So they've done the div two nine three to come out of q super, and then they'll release the additional super, and I'll pay the tax on that so that I didn't go over the ECC again. So that'll be the next few days or something like that, but they're trying to take care of that. But yeah. Oh, fun. And did you get much of an an outcome out of the EBA negotiations? So we still we have got So the EBA has apparently gone through Fair Work, and it's and it's ready to be signed off.","start_word":861,"end_word":1230,"sentiment":"neutral","sentiment_score":-0.06093847147516302},{"text":"But they're holding off signing anything because GPC still have not provided any confirmation of those insurances, and Wow.","start_word":1231,"end_word":1249,"sentiment":"negative","sentiment_score":-0.3456648886203766},{"text":"they still haven't provided any clarification around there's a new set of medical standards coming in in Queensland that all pilots are gonna be tested to, Yep. And they didn't want to include anything about those medical standards in the EBA, so they said what we were gonna do was form a working group, which was gonna sit outside of the EA, and it was all gonna be discussed in a working group.","start_word":1250,"end_word":1322,"sentiment":"neutral","sentiment_score":-0.3187132179737091},{"text":"But so far, they haven't committed any kind of time or personnel to that working group. So the delegates and staff are a little bit frustrated with like, also, we got a lot of the stuff we wanted in the EA. There's a lot of those key factors that they haven't come to the party on.","start_word":1323,"end_word":1378,"sentiment":"negative","sentiment_score":-0.595973551273346},{"text":"So I'm not sure if they're gonna put it out to the members for a vote or what the goal is, but, like, Wow. financially, it's not too bad. It's well, they can only go because we're a GOC, they can only go up in increment as what the government wages policy is. And so where that bit us in the ass is that the the port negotiated before the government changed in Queensland. So they negotiated their agreement under the old government wages policy, which was four and a half, four and a half, four or something like that. And then Yeah. when the new government came in, they set the wages policy at two and a half, two and a half, three. So there was no way to bargain outside of that wages policy, which I think is what the teachers are going through at the moment as well. Oh, So, jeez. but we did get a couple of other things that they got through. So it'll end up being a pretty good package in another three years or something like that. But Yeah. It was yeah.","start_word":1379,"end_word":1567,"sentiment":"neutral","sentiment_score":0.06452073901891708},{"text":"just a bit disappointing not to figure out what the go was with those insurances because, like you said, that's such a big a big thing whether it's been sitting there all these years or if it's currently on offer, makes Yeah.","start_word":1568,"end_word":1609,"sentiment":"negative","sentiment_score":-0.4448317289352417},{"text":"a huge difference for every employee, her advisers, their strategies, all that kind of thing. It's just yeah. I guess it'll take time, these things do, but it'd be nice to know what the goal is with it. Oh, and, like, for me, I've been there for, you know, five days compared to a lot of people, like, nearly four years. There's guys that have been there for twenty years that are going, hang on a sec. If I've been paying 5 to $10,000 a year for these insurances, and Yeah.","start_word":1610,"end_word":1700,"sentiment":"neutral","sentiment_score":-0.0892779752612114},{"text":"you're telling me I've been covered this whole time, like, that's substantial.","start_word":1701,"end_word":1712,"sentiment":"negative","sentiment_score":-0.3415585458278656},{"text":"Absolutely. Okay. And that'll be a fight.","start_word":1713,"end_word":1719,"sentiment":"neutral","sentiment_score":-0.2718675136566162},{"text":"Like, if if they find out that there's been insurances for all these years, it it's class action territory.","start_word":1720,"end_word":1738,"sentiment":"negative","sentiment_score":-0.3839751183986664},{"text":"Yeah. I don't think they'll just jump at the chance to pay everyone back their premiums, and it'll be all these individual cases with individual figures. Everyone will pull together. All kinds of things can come from it. So I guess that might be part of the delay too. Yeah. Possibly. Yeah. Yes. Well, So I've got the PDF open here in front of me with the mountains or whatever it is there.","start_word":1739,"end_word":1811,"sentiment":"neutral","sentiment_score":-0.08439408303940132},{"text":"beautiful. It should be a bit of a beachfront Gold Coast looking thing.","start_word":1812,"end_word":1824,"sentiment":"positive","sentiment_score":0.38099709153175354},{"text":"The And other the reason top. Must be the other one. This one's, like, grass house mountains.","start_word":1825,"end_word":1841,"sentiment":"neutral","sentiment_score":0.04955625534057617},{"text":"ah, perfect.","start_word":1842,"end_word":1843,"sentiment":"positive","sentiment_score":0.3708729743957519},{"text":"Hang on a second. Oh, yep. Got the beachfront one now. Yep.","start_word":1844,"end_word":1855,"sentiment":"neutral","sentiment_score":0.13463690876960754},{"text":"Perfect.","start_word":1856,"end_word":1856,"sentiment":"positive","sentiment_score":0.3743327260017395},{"text":"So that should be the right email then because I only attached that one document from my personal one. So, hopefully, this Okay. one's come through with both.","start_word":1857,"end_word":1884,"sentiment":"neutral","sentiment_score":0.1660698503255844},{"text":"That's fantastic.","start_word":1885,"end_word":1886,"sentiment":"positive","sentiment_score":0.7788581848144531},{"text":"The other Yep. one's just the appendix with links to all the investments. Yep.","start_word":1887,"end_word":1900,"sentiment":"neutral","sentiment_score":0.10057901591062546},{"text":"Perfect.","start_word":1901,"end_word":1901,"sentiment":"positive","sentiment_score":0.34756895899772644},{"text":"Actually, this one was really fun to write because, obviously, everything that was going on recently in the markets, we're again, I've scoped this right down to just the the portfolio review while everything else is kind of pending with the property SMSF insurances and so on. So it's Yep. purely just investment based. And Yep.","start_word":1902,"end_word":1957,"sentiment":"neutral","sentiment_score":0.18244808912277224},{"text":"I had a lot of fun trying to, I guess, restructure your portfolio a little bit, and it's quite quite custom. It's kind of a bit of a work of art for me. I'm very proud of it.","start_word":1958,"end_word":1995,"sentiment":"positive","sentiment_score":0.42557936906814575},{"text":"Yep. But Yep. some of the information here will obviously be a little bit out of date because it was Okay. based on some discussions we had towards the end of the year. It's Yeah. got most of the goals are pretty accurate. We're talking about if you scroll down to page sort of three and four, it'll have your scope of advice. Yep. So, again, we're focusing on the super. I did include a little bit of estate planning just to make sure your wills and power of attorney and everything are up to date. But do you remember when we're kind of going through a bit of a long term goal for about 3,000,000 was kind of the end target for you guys? Yep. Yep. So that's kind of the main thing I've factored in. On the next page where it's got not considered or limited scope, I've Yep. just put out the insurances for the time being, but I have factored in, you know, premiums and everything. And then Yep. once we've got an idea, we can make some changes there because I would I would love to be able to close down the old QSuper, get the insurances moved around. If you've got an employer policy, that'll be Yep.","start_word":1996,"end_word":2208,"sentiment":"neutral","sentiment_score":0.06874550889495393},{"text":"much better for you.","start_word":2209,"end_word":2212,"sentiment":"positive","sentiment_score":0.3476311266422272},{"text":"Yep. And from my understanding, once the new EA is in force, there will no longer be Like legislative fund restrictions. requirements for us to have QSuper at all. So Yeah. the 12.75% will be paid regardless whether you have QSuper or not.","start_word":2213,"end_word":2255,"sentiment":"neutral","sentiment_score":0.07640968263149261},{"text":"Awesome. And I've also based the contributions on that as well because I think we had Yep.","start_word":2256,"end_word":2272,"sentiment":"positive","sentiment_score":0.37398603558540344},{"text":"your income at about $3.30. And the statement we have from QSIP, I think $42 went in, worked out Yep. perfectly at 12.75. So Yep. that's just kind of what the projections are based on. Yep.","start_word":2273,"end_word":2308,"sentiment":"neutral","sentiment_score":0.212974950671196},{"text":"Beautiful.","start_word":2309,"end_word":2309,"sentiment":"positive","sentiment_score":0.5359781384468079},{"text":"I've just scoped out everything else in terms of cash flow, debt investment, and self managed super fund just until you figure out what you're doing with the the rapid repay guys. So Yep. this is just purely portfolio. Yep. Now if you flick through to page seven and eight, this is probably the part that'll be the most out of date, but it's just your your current details. So Yep. we've got yours, the commercial maritime pilot, 330, phone number, email address. And on the next page, we have some old figures for, like, your your home value, Yep. mortgage, and so on. Again, if that's changed if you've taken equity out and got properties, obviously, that's a bit different, But Yep. that's kind of the the last snapshot that we did together. Yep.","start_word":2310,"end_word":2444,"sentiment":"neutral","sentiment_score":0.06513349786400795},{"text":"Perfect. Is all that looking pretty okay from what you can see?","start_word":2445,"end_word":2456,"sentiment":"positive","sentiment_score":0.4702903926372528},{"text":"They'll I mean, there'll be a few changes in the assets and stuff like we sold Belinda's Purrado. She's got a little BMW now, so we don't have as much in the Asset value. Assets. Yeah. Home and contents and stuff, I think, would still be the same. The house value was I don't know what we put in there, but 1.7 it was 1.6 bank valuation and 1.7 to 1.8 real estate valuation. Same. Yeah. So that's probably still right. The personal loan, I think it's probably a little bit less than that now, but it's, yeah, right around. And we have taken out so the mortgage will be at 1.28, but that's with a $180,000 basically line of credit sitting there ready to if we decide to purchase a Equity release. Investment property. So we did an equity release of 180 k, which is sitting there in a phone account at the moment waiting to decide if we do a investment property with Infinity or not. Perfect. So it's been released. Yep. It's there, but it's not been used yet, but it's Correct. just kind of Correct. sitting there in cache. Yep. Perfect. So I guess it'd be offsetting itself Yep. on the loan value as well, Yeah. wouldn't it? Yeah. Yeah. I think we're paying about $27 a month on it or something like that. Well, it is only because they I didn't see it sitting it was sitting there for, like, forty eight hours or something before I moved the money back into the loan. But Yeah. Yeah. And Yeah. moving forward, while we don't spend it, we shouldn't be paying anything on it. Yeah. Yeah. Exactly right. Like, there'd be some kind of minimum repayments and everything, but it'll all just be capital off the loan. All the interest will be off. Mhmm. Should be fine. And that's one thing just before I jump into the meat and potatoes of it. So when I noted down, like, the goals and everything, you remember when we were talking around Christmas time around the the farms, whether you do it at 50, 60, that kind of thing? What are you guys Yep. thinking these days when it comes to moving out to the farm? I know you were kind of pausing it for a little while now that you've, I guess, Well, figured out what it's like. we we think differently about it all the time, but I guess the latest iteration that we've sort of had with it is that we're very content with what we have here. And I guess as we get older, like, Belinda's put it to me is that, you know, do we really want to necessarily start working harder and and learning how to run a farm and all that stuff as we get older? Or is it more that we just want somewhere that we The can space. go where we've got space and we can go boat hunting and we can camp and all that stuff, and we've just got that available to us. So we've started kind of more thinking that that's probably the line we wanna go down. And I think as we've had these SMSF discussions with, you know, not only, like, you guys in a adviser type role, but talking to more people that we've met up here that have done it and stuff is that, you know, we've put ourselves in a good position with our super and and the projections and all that sort of stuff is, you know, do we look at buying a small well, there's, like, say, 500 acres down at the New England area, which is a a sheep farm that has plenty of deer on it and all that stuff, 550 acres for $500,000. And, you know, that's a 88 and a half hour drive from here. And just having something that we can escape to, but we're not shackled to from a living and working arrangement kind of thing. So as much as I think initially, we we kinda you know, and that's still not off the cards down the track.","start_word":2457,"end_word":3150,"sentiment":"neutral","sentiment_score":0.05781122606236928},{"text":"You know, it might be that we find that that's exactly what we do want, and we do want that for the girls later on.","start_word":3151,"end_word":3175,"sentiment":"positive","sentiment_score":0.4019138813018799},{"text":"But at the moment, I don't think either of them would be particularly interested in, you know, all of a sudden taking on a a farming a proper farming role outside of a hobby farm, but having somewhere we can go that has a shack on it or something like that that we can get away to. I think it's probably more leaning that way. I've got a link to a property here. And I guess having that initial discussion with the New Haven guy, but also then having a discussion with Chris from QC Accountants, having the discussions with you, It's something that I didn't really know a lot about or know what the possibilities were with it. And I think it's probably changed our thinking a little bit as well. So, yeah, that's probably the, I guess, the biggest change to the goals, if you will, is to try and maybe get into something sooner, but have it as somewhere as just that we can escape to but continue to live here and try and pay our mortgage out here. Yeah. Would you say it's, like, I'm getting the sense from my first conversation with you when we met in the office to Christmas time until now. Are you guys slowly leaning more towards, like, lifestyle over financial, would you say? Is that accurate? We want financial in terms of paying this place off, definitely, but lifestyle as in we want somewhere to escape to as well. Like, we want the best of both worlds, I guess, you could put it down to.","start_word":3176,"end_word":3440,"sentiment":"neutral","sentiment_score":0.031871385872364044},{"text":"What we have here is pretty special, and I think it would be very selfish of us right now to look to move away from that.","start_word":3441,"end_word":3466,"sentiment":"negative","sentiment_score":-0.4441538751125336},{"text":"And like I keep saying to Carlos, yeah, I don't physically wanna buy us a job for retirement. I wanna retire and enjoy retirement. If we wanna go traveling, we can just lock up and go kinda thing where if we buy ourselves a farm at the age of 50, we kinda can't do that. Yeah. So I guess we're looking at it from different perspectives as much as I would love that 100%.","start_word":3467,"end_word":3540,"sentiment":"neutral","sentiment_score":-0.13140222430229187},{"text":"I don't love the idea of it being something that we're tied to, and it's gonna restrict us with the other things that we wanna do as And it's also possibly not necessary.","start_word":3541,"end_word":3573,"sentiment":"negative","sentiment_score":-0.4316846430301666},{"text":"Right?","start_word":3574,"end_word":3574,"sentiment":"neutral","sentiment_score":0.07502532750368118},{"text":"Like, it's it's a really cool idea to have that extra revenue source.","start_word":3575,"end_word":3587,"sentiment":"positive","sentiment_score":0.4532628059387207},{"text":"But if you get enough funds and assets under the belt where you don't need to do that, well. why Yeah. put on that extra burden, stress, Yeah. that kind of thing Yeah. at So that time when what you want is that escape? yeah.","start_word":3588,"end_word":3632,"sentiment":"neutral","sentiment_score":0.018955495208501816},{"text":"And I think it is more we're looking for something that will be a lifestyle thing where Kyle can go hunting on it, and we can go camp camping and take the motorbikes out there, and and Mia can ride around in on it and bring friends and fishing or shooting or whatever it is.","start_word":3633,"end_word":3687,"sentiment":"positive","sentiment_score":0.36745426058769226},{"text":"You know? Yeah. And and that sort of block is not necessarily the best farming block. It's more just to have somewhere to go to escape to. And yeah. I don't know. I think it's and trying to look at how we can do that in a quicker time frame, like, I guess, is like, you know, whilst we're not old yet, we're also not young, and I wanna Yeah. have that place to enjoy before we are too old to enjoy it, if that makes sense. So It does. looking It's at kind what of like options the pictures slowly starting to form. You know? Like, the more you investigate and talk to people and figure it out, both of you seem to be just painting this picture of the life that you actually want, and Yeah. it just slowly outlines now the colors filling in, and then you can start to see it becoming a bit more real in your mind. I think we have some pretty frank discussions with our friends when we go back to the South Coast. They're probably our two closest friends. And, you know, when you're sitting around the fire and you have conversations like, oh, if someone turned around and gave you a million dollars now, like, is that life changing? It's life changing in the sense that you would pay your house out or something like that. Then you go, well, if someone gave you 5,000,000, like, what, like, what would you actually do with it? Like, because if you can't even put down on paper what you're doing it for, then none of the goals are realistic anyway. Because if you turned around to me tomorrow and said someone's given you $2,000,000 what are you gonna do? Well, we would pay this house out and we'd probably look for a lifestyle block. And I think when you start thinking about it at a base level like that, that's when things start to become quite clear. Like, it's easy to write down, I wanna retire with $3,000,000 Yeah. But what for? Like like, is it just to make sure the girls are well set up? Yeah. But I still have a lot of living that I wanna do between now and then, and I wanna think about, well, how can we get the Infiniti stuff we're doing now? We want a rapid repay. We with that structure, like you said, there's a lot of people who can't do it. We've only done it now for six weeks. Six weeks? Eight weeks? Six weeks? How long? Yeah. A month. Well, yeah, six weeks. Yeah. And for the first time in twelve months or longer, we've put an extra $6,000 into the mortgage, Yeah. like, which we haven't even considered that since we've been here. So that side of things, I think, is finally starting to tick over in a structured way. And then it's about like, well, okay, how do we look and you know, because obviously it was Infiniti that made us go to New Haven and talk about the SMSF, and it's probably not gonna be anywhere nearly in line with their process. But their process for us is primarily the rapid repay and the mortgage reduction, whether or not we invest in a $1,000,000 house on the Gold Coast in our SMSF or whether we go well, actually, it's probably more important to us to look for one of these. Like, as long as it passes all the requirements, the arms, legs requirements, and the genuine business and all that sort of stuff, Yeah. it would probably be more in line with our values. And, you know, you would probably agree from the conversations that we've had, it would mean more to us if we've got our super still getting invested, making smart decisions, building and all that, but we've managed to acquire something that we can actually then access, but it's sitting there as a little sheep farm or something like that meeting all the legislative requirements. But it starts to then we start to look and go, hey.","start_word":3688,"end_word":4378,"sentiment":"neutral","sentiment_score":0.16053774507578825},{"text":"We've actually now sort of got everything we want in life, and we can really just dial in.","start_word":4379,"end_word":4396,"sentiment":"positive","sentiment_score":0.42640265822410583},{"text":"So Yeah.","start_word":4397,"end_word":4398,"sentiment":"neutral","sentiment_score":0.24919673800468445},{"text":"Absolutely. I'm noticing it more and more the more people I talk to.","start_word":4399,"end_word":4411,"sentiment":"positive","sentiment_score":0.3480762839317322},{"text":"Like, a couple of things when it comes to goals and lifestyle is everyone's kind of trying to play out a retirement that someone else had the idea of. Yep. You know, you hear people come in the office and they say, I want financial freedom. What does that mean? Oh, I want a million dollars and go on holidays. But then when they actually come Yes. crunch time, they realize that's not what they want is to start enjoying life when you're 67 and have missed out for twenty years prior when you could have had the energy to do so. You Yes. know what I mean? Yes. Oh, man. And it comes down to the financial side of things too as everyone's trying to build all of the the property portfolios and share portfolios and all this kind of thing, and it's just about, is that actually what you wanna do at the end of the day? There's all these different avenues and options, but why waste a decade trying to build someone else's dream just because that's what everyone thinks everyone should do.","start_word":4412,"end_word":4597,"sentiment":"neutral","sentiment_score":0.11423570662736891},{"text":"So I'm with you guys on that a 100%.","start_word":4598,"end_word":4606,"sentiment":"positive","sentiment_score":0.4044351279735565},{"text":"Yeah. Yeah. So, yeah, in a long winded way, that's probably the main ways that I I think our goals are probably shifting and becoming more realistic, but also more solidified or the scope changed slightly as we've probably got a little more educated, I guess, is one way to put it. Can you talk Yeah. to Tommy And for a sec while I get this thing? that's Yeah.","start_word":4607,"end_word":4675,"sentiment":"neutral","sentiment_score":0.1705944985151291},{"text":"pretty well eloquently put.","start_word":4676,"end_word":4679,"sentiment":"positive","sentiment_score":0.6647639274597168},{"text":"Would you pretty well agree, Belinda, with everything you said? Yeah. Yep.","start_word":4680,"end_word":4691,"sentiment":"neutral","sentiment_score":0.23834767937660217},{"text":"Absolutely. Cool.","start_word":4692,"end_word":4693,"sentiment":"positive","sentiment_score":0.5515864491462708},{"text":"Alright. I'm gonna dive through some of these figures in a second there as well. Yep. When it comes to, obviously, the SMSF side of things again, just work with Chris on all of those rules and regulations. I've I've had a few really fun ones in my career where I had a guy who really wanted to have a, amusement park and bought that through an SMSF, lived in it as well because he was kind of like an on-site manager for his own amusement park. But, hey, that's what he wanted was it was the same thing with property management. You know, you've got people who look after, like, a a unit building, but they live in to manage the rentals. Yes. They were able to kind of buy that that business, that property, still kind of live there because they were working out of it. It was probably the the coolest way to use it and still make it legal. Yeah. Yeah. This guy was the Optimus Prime Superfund, and he bought this amusement park. And he's just living his best life at the moment, running an amusement Yeah. park that he lives and works out of. So all kinds of things can be done. Just be careful with it. You don't wanna be tied up with something where you want it for the lifestyle asset, but then all of a sudden you get forced to sell it to get it in your name in retirement. Just be careful as you step through, but it's Yeah.","start_word":4694,"end_word":4952,"sentiment":"neutral","sentiment_score":0.0848495364189148},{"text":"a pretty cool idea. Absolutely.","start_word":4953,"end_word":4957,"sentiment":"positive","sentiment_score":0.5023540258407593},{"text":"Yep. All kinds of things can be done.","start_word":4958,"end_word":4965,"sentiment":"neutral","sentiment_score":0.2589595317840576},{"text":"So this one today is really, really simple.","start_word":4966,"end_word":4973,"sentiment":"positive","sentiment_score":0.3677467703819275},{"text":"Yep. Carl, do you remember the email I sent you around the the market risks we were going over together? So all I've done is just build this portfolio. I haven't changed the risk level. It's still growth. It's still Yep. four out of five. Contributions are still going in. It's mainly just about forward looking for the investments in the market. Yep. So what you'll sort of see if you go through to pages about twelve thirteen, you'll see risk profile, just maintaining that growth allocation, and Yep. then it's kind of got the strategy page itself. Yep. So the two main recommendations in this document is do a bit of a rollover from QSuper to do a bit of a top up. Yep. Yep. I've recommended $12 stays there just because the way that premiums are looking, You kind of want a couple of year buffer.","start_word":4974,"end_word":5121,"sentiment":"neutral","sentiment_score":0.0793263535644557},{"text":"I'm Yep. happy to be guided by you on that, but 6 is the minimum.","start_word":5122,"end_word":5136,"sentiment":"positive","sentiment_score":0.3781064748764038},{"text":"12 covers you for two years in case contributions stop all of a sudden. Yeah. No. That I'm just gonna get a quick snapshot now. So there's 72,000 in q super. So we can roll over 55 even if you want. That'll leave $15.16. Yep. We can roll over 58.","start_word":5137,"end_word":5186,"sentiment":"neutral","sentiment_score":0.06889817863702774},{"text":"That would be perfect. QSuper is pretty good.","start_word":5187,"end_word":5194,"sentiment":"positive","sentiment_score":0.6522472500801086},{"text":"We usually can put on the forms to maintain a minimum balance Okay. for what gets rolled over, and they can just Yep. do the excess. Yep. But you That's said fine. it was about 72 ish at the moment? Yes. $71.08 $6.08 or something. I just I just looked at sorry. 71628 as of today.","start_word":5195,"end_word":5250,"sentiment":"neutral","sentiment_score":0.030603671446442604},{"text":"Perfect.","start_word":5251,"end_word":5251,"sentiment":"positive","sentiment_score":0.3954447507858277},{"text":"Now what I want you to do if you can, just because walls of text are never the most fun part of this industry, is if you skip past page thirteen, fourteen, 15 where it's got all of the strategy text, I'll just kind of show you in the actual figures what the pros and cons are, and you You should see see so we're looking at investment 19? table, big blue one. Yeah. It's 16 on the header and 17 on the the PDF itself. It's like a blue investment table, red heading. Yep. Yep.","start_word":5252,"end_word":5347,"sentiment":"neutral","sentiment_score":0.05948253348469734},{"text":"Cool. It should be a big smattering of figures.","start_word":5348,"end_word":5356,"sentiment":"positive","sentiment_score":0.36414867639541626},{"text":"Lots of red, lots of black. Lots of red. Yep. Yep.","start_word":5357,"end_word":5367,"sentiment":"neutral","sentiment_score":0.13389743864536283},{"text":"Perfect.","start_word":5368,"end_word":5368,"sentiment":"positive","sentiment_score":0.499152809381485},{"text":"So what this table basically shows, we've updated our documents a little bit. It just shows buyers and sells between what you have and what we're recommending. The main thing that this does, all the ones at the top, we're rebalancing because the market's gone crazy the last twelve months since we last spoke, and Yep.","start_word":5369,"end_word":5424,"sentiment":"neutral","sentiment_score":0.028486972774512},{"text":"a whole bunch of your investments are just going out of skew. They've gone really high, really low. They just need to be brought back to middle ground.","start_word":5425,"end_word":5452,"sentiment":"negative","sentiment_score":-0.5313279628753662},{"text":"Yep. Yep. The three risks that we were talking about, Benelon Australian shares.","start_word":5453,"end_word":5465,"sentiment":"neutral","sentiment_score":-0.1022372469305992},{"text":"There was some underperformance there compared to Yep.","start_word":5466,"end_word":5473,"sentiment":"negative","sentiment_score":-0.4108132123947144},{"text":"the market, so we're replacing that one. Yep. And that's all towards the bottom. If you go on the next page, it's kind of there's three options split off there. You will see Alfiniti, Yep. shares, government, and iShares. Can you see that? So that's the three new options. Yep. Alfiniti Okay. is a like for like replacement of Benelong. Do you possibly have Google open at the moment? Yes. I wanna show you guys something because this is kind of very sort of top level comparison. Yep. Can you Google for me Benelong Australian shares? And you should see the website, the top result should be Benelong Australian Equities Fund, b Yep. a e p. Yep. If you open that one up, it'll give you this little snapshot of what this current one does. If you scroll down, it it should be kind of like a goldy orange color. Yep. If you scroll down on that first page table, in the middle of that table, it says fees and charges, management fees 1%. Yep. And then if you hit the performance tab, all you can see on the left hand side is a whole bunch of negatives. Yep. So I was talking to Savi and Bart about this around Christmas time. Most of the times when a fund underperforms, you give it twelve months to bounce back, and we dug a bit deeper. There's a lot of people who exited that fund as far as investment managers.","start_word":5474,"end_word":5721,"sentiment":"neutral","sentiment_score":-0.04292448237538338},{"text":"The guy who built it disappeared for a few years on holidays and things like that, and they've just kind of gone off away from the pack in a bad direction.","start_word":5722,"end_word":5752,"sentiment":"negative","sentiment_score":-0.6173900961875916},{"text":"Yes. Now if you go back onto Google and Yep. actually type in Alfiniti with a p h, Australian Infinity share funds, Investment Management or sustainable share fund? Australian share fund. Australian share funds. Yep. Yep. You'll have a pretty similar setup. You go down below. There's a table management fee in the middle, 0.9%, and it's a blue website. Yeah. I got the blue website. And And it depends on if you're on the Australian share fund page or if you just go up to that little drop down for their funds, and you should Yeah. see Our funds, Australian yep. share fund or concentrated fund. Yep. The one at the top. Yeah. Australian Yep. share funds. If you hit Fund the overview, performance video figure on overview, that one fund performance and characteristics, form benchmark. Yeah. Five years. 0.9%. So slightly lower management fee. Yep. Yeah. And then if you hit the performance there, this is over one, three, five, seven, ten years. Yep. They're in No. the positive the whole way along, and they've outperformed the market in every single time period. Yes. Yes.","start_word":5753,"end_word":5939,"sentiment":"neutral","sentiment_score":0.04222341254353523},{"text":"So with everything going really well, I was looking at your your super today. Your your gold option had gone up a 107% for the year, which Yep. was brilliant. It's just trying to bring your Australian shares in in the line of same quality.","start_word":5940,"end_word":5984,"sentiment":"positive","sentiment_score":0.48396241664886475},{"text":"Yep. Now I won't do the same thing for the other two in that statement of advice. Government inflation linked bonds was just because when inflation kicks up, your safe investments are gonna be pegged alongside it, so their interest rate will go up with inflation. Yep. Yep. So if that jumps up three, four, 5%, your fixed interest jumps up with it. Yep.","start_word":5985,"end_word":6048,"sentiment":"neutral","sentiment_score":-0.02741680853068829},{"text":"And the other one was just really, really strange currency risk.","start_word":6049,"end_word":6059,"sentiment":"negative","sentiment_score":-0.41091716289520264},{"text":"Investing in American shares Yep. when the market goes up 15% and your super has only gotten a 6% return, we ask why. We find out because they're using US Dollars to Australian dollars. When that money comes across and they convert it, there was a huge split between the US dollar and you lost out that 9% of the returns there. So I've Yeah. split it with some currency hedging. It's a tiny bit more expensive, Yep. but it eliminates that risk. But that is that shared government inflation one, the one that you were saying you were comparing it to the inflation bonds that you could get in The UK that you couldn't find a product the same in Australia? Is that what you found? Yes. That's the one that I found. Our we were talking do you remember Sevi talking about the SMA that we were building or Yeah. Bart That's was the talking other about? BlackRock BlackRock ones. Yeah. They found on the market this inflation linked government bonds option for the SMA, and I saw the idea.","start_word":6060,"end_word":6241,"sentiment":"neutral","sentiment_score":-0.004351597675570072},{"text":"Yep. I liked it, had a look at it, compared it, and went, that's perfect for this, and that was Yep.","start_word":6242,"end_word":6262,"sentiment":"positive","sentiment_score":0.5461300611495972},{"text":"the last piece of the puzzle. Yep. So this is your own fully custom portfolio now. No one else Yep. has this one in Australia, Yep. and it's just for you, mate. If you go down to the next page, lovely little pie chart, we're just keeping everything in that 80% range for the growth assets. Up to you again, my last email where I was talking about, do we use this as a buying opportunity? Do we kick up a foot on the gas a little bit at some point? Do we reduce risk? This is, again, just keeping it same risk level. Not Yep. too high, not too low. Yep.","start_word":6263,"end_word":6374,"sentiment":"neutral","sentiment_score":0.1215256080031395},{"text":"I think looking at the portfolio currently, 15% was the return for the year after fees and taxes and premiums, which was pretty good.","start_word":6375,"end_word":6398,"sentiment":"positive","sentiment_score":0.33965739607810974},{"text":"And I've just updated the projections in that table on page 19. 90. Yes. That's I mean, five years, months, and then ten years. Yep. So ten years Yep. is 53. We're at 1.6. Yep. Yep. So Yep. my best estimation is between 50 and $100, give or take. Market's gonna fluctuate. Things will even out.","start_word":6399,"end_word":6454,"sentiment":"neutral","sentiment_score":0.10000020265579224},{"text":"I would love it if the world kind of relaxed a little bit for five years and we go back up to getting 15 to 25% returns and you go up to 2 mil in ten years.","start_word":6455,"end_word":6491,"sentiment":"positive","sentiment_score":0.4963822662830353},{"text":"But Yep. until that's settled down, we're just getting a bit more conservative with it. Yep. And you'd rather like, I remember saying right at the start.","start_word":6492,"end_word":6518,"sentiment":"neutral","sentiment_score":0.13425883650779724},{"text":"It's all well and good.","start_word":6519,"end_word":6523,"sentiment":"positive","sentiment_score":0.5885295867919922},{"text":"Like, I think if I went back right to the first statement of advice I got from Oakview when I very first come across, and that was in amongst all the super reviews and all that. Like, I remember some of Yeah. the figures Yeah. were like 3,400,000.0, you know, that projection and all this stuff. But without any projection, you've got no you've got nothing to base your decision making on. Whilst you understand they are projections, you would rather have a conservative projection and beat it than have an inflated projection and continuously fall Yeah. below it. So Yeah.","start_word":6524,"end_word":6624,"sentiment":"neutral","sentiment_score":-0.007239924278110266},{"text":"You're exactly right.","start_word":6625,"end_word":6627,"sentiment":"positive","sentiment_score":0.3483327329158783},{"text":"I had a bit of a mentor. I've had two main mentors in the in the industry, and one of the guys, he worked very heavily in estate advice for people with deceased estates, family issues, people passing away, and so on. And he said, basically, our job is to get people to their goal with the least risk necessary. There's no Mhmm. point taking excessive amounts of risk to try and shoot for the stars and get everyone rich and $1,020,000,000 dollars and all this kind of thing if you don't need to do it. You don't need Mhmm. to be high growth. We could put your super into some leverage investments where it borrows money, and you're investing at a 160% growth assets, and I can show you a 35% return or something like that. But it's just not it's just not necessary. It's supposed Mhmm. to be a steady ship that you have a high chance of hitting your goal, not saying I'm gonna shoot for the stars and and miss it by a million dollars because we went crazy. Yes. So I've always been pretty conservative. I've always said that when you're in a growth portfolio, you need an eight to 9% average return. We're obviously aiming for as far into double digits as we can, but, again, Mhmm. Yes.","start_word":6628,"end_word":6851,"sentiment":"neutral","sentiment_score":0.15745419543236494},{"text":"bouncing between eight or nine average. And if you're consistently getting twelve, thirteen, 14, that's fantastic, but you still need that amount to hit to your goal.","start_word":6852,"end_word":6878,"sentiment":"positive","sentiment_score":0.4838304817676544},{"text":"And, obviously, like, the other thing that you can't take into account is, like, as my salary continues to go up, then the contributions inherently have increased also, like, Yeah. just with, like, by November 2027, if we just get the base level pay rises, our salary package will be 374,000 a year. Then with our LNG allowance on top of that, that'll take it to 427,000. That Yeah. takes our super to 54 and a half thousand a year, which is a 482 and a half thousand package in three years, two and Yeah. a half years. And that's the thing.","start_word":6879,"end_word":6980,"sentiment":"neutral","sentiment_score":0.0011562572326511145},{"text":"Because you're in your your forties now, like, if you try and project out twenty five years of all the lifestyle changes, economic cycles, you just become wildly inaccurate.","start_word":6981,"end_word":7009,"sentiment":"negative","sentiment_score":-0.353657990694046},{"text":"Whereas Yes. my philosophy has always been, let's continuously improve everything over five to ten years, try and get you a better outcome, better outcome bit by bit. And then once you hit that last ten year stretch, you've got to protect what you've built. Yes. Once you've got that few million dollars, let's slowly protect it more and more so you don't lose it all just before retirement, and Yep. then we can do an analysis. Is And we can go, okay. This is how long it's gonna actually last. There's no point there me telling you 5,000,000, you're gonna last for a 100 is there any benefit to me contributing to Belinda's years. super or something to that effect? If you can just briefly remind me, Belinda, were you sitting on, I don't wanna guess, but around the She's gone 40 outside, five so months? she's just yep. She's got just under a $100. And what about income level? 65. She's just getting a pay review at the moment, so she'll probably settle around maybe 90. So Okay. K? So what you What? won't be able to do is, like, spousal contributions, probably not the best idea. Usually, if they're, like, under 45,000, you get a bit of a benefit out of that. The only thing is some concessional contribution. So your money gets taxed heavily, comes into your bank account, do some salary sacrifice for her at some point or a contribution and claim it. If she's on 90 to a 100, get a bit of a benefit out of that. But trying to get money from your name into her name, probably not gonna be the go. It's more if she was on, yeah, 45 and under, I would say. Yeah. No. I think the only reason I asked is, like, obviously, because I'm on a straight p a y g salary now.","start_word":7010,"end_word":7326,"sentiment":"neutral","sentiment_score":0.00707984586431401},{"text":"I didn't think there was any benefit to it.","start_word":7327,"end_word":7335,"sentiment":"negative","sentiment_score":-0.34382495284080505},{"text":"It was when the guys that were with the previous company who had the family trust and stuff set up and were getting paid the fully frank dividends and stuff, they were Yeah. tapping out their misses as super as well as their own, you know, with the view. That and I think also, like, I can't even remember how long ago it was now, Tommy. You probably remember, like, wasn't it at one stage that when you retired, you could only draw out a maximum of, like, 180 or 250,000 tax free each. So the idea was that if you both didn't have that much, like, there was no point you having a million and your missus only having a 100,000 to try and top her up to the point you could draw that tax free income out of both, but that's all gone now anyways. So Yeah. One of the things that's gonna come into play for you a little bit is when when you go through all of the investigations for property SMSF farms or that kind of thing, remember how we were talking about, like, family trusts and bucket companies Yep. and things like that? Yep. Similar things come into to planning when you're in your fifties for your super cap. So if you go above that one, I think it was 1,600,000.0 transfer balance cap. That's all you can move into, like, pension phase. The rest stays in accumulation, getting taxed higher. Yep. You've got estate taxes to worry about. So if it filters through past you guys to adult children, they cop a bit there as well. So all of those entities come into play down the line as well. So it's just something to be conscious of about at some point whether we start using something like that. And if you do get farm and so on, do we start using trust, market companies, income distribution, all that kind of thing? But, again, how heavy do you wanna lean into running a farm, being employees, beneficiaries of a family trust as opposed to because, you know, the government's pretty pretty restrictive on that at the moment. If you just do Yep.","start_word":7336,"end_word":7703,"sentiment":"neutral","sentiment_score":-0.0579845723696053},{"text":"it on paper, they still hit you with all the taxes.","start_word":7704,"end_word":7714,"sentiment":"negative","sentiment_score":-0.3730652928352356},{"text":"You have to actually prove that people are doing the things and receiving the money and so on. Yes. Did you get So that link that I sent you? on email Yes. let me have a quick look. There we go. Property link in Emerville. Yep. I don't think I've seen this one before. This is not one of the first couple that you sent me around No. Christmas No. This time. is only just this is something that we've looked at more so in the last, like, few weeks to a month. So that's Yeah. basically This is 8. the 500,000 Eight you were talking about. Yep. hours south of here. Has a little shearing shared on it. Runs a Oh, couple that's did of that be a Glen Innes? yes. Yep. Exactly. Yep. Oh, wow.","start_word":7715,"end_word":7851,"sentiment":"neutral","sentiment_score":-0.043453291058540344},{"text":"A bit of fossicking around there, like you said, fossicking, Paws hunting.","start_word":7852,"end_word":7863,"sentiment":"negative","sentiment_score":-0.3410643935203552},{"text":"picking, hunting, bow hunting, all that stuff. But I think for all intents and purposes for the meeting the requirements, you know, it would something like that where, you know, there's no there's no dwelling, so you're not worried about trying to, like, lease it back or anything like that. You could, if you needed to, adjust to someone to run their sheep on it, you know, so you were generating a little bit of income from it, and that's just somewhere Yeah. you can get away to. And that's the thing too. The cool thing about land is you run into less issues than with the dwellings because, again, if you have a dwelling and you're living in it and you don't have it all linked up properly with businesses and unit trusts and all that, you're gonna get in trouble. But no one's gonna know that you've just driven out to the property to go shooting. That's right. Yeah. Yeah. Yeah. Yep. So, yeah, that's the sort of thing, I guess, that is starting to become at the forefront of our mind. And, you know, whilst whilst we're excited with what's happening with Infiniti and all that, like Belinda said to me, she got, you know, their idea of the SMSF is purely just because they wanna get you into more properties that they sell you, and it's just accessing more capital for them to sell you more property.","start_word":7864,"end_word":8104,"sentiment":"neutral","sentiment_score":0.19137147068977356},{"text":"That's fine. And I understand their theory, and that's great.","start_word":8105,"end_word":8114,"sentiment":"positive","sentiment_score":0.4322401285171509},{"text":"But the rapid repay and us paying this place off is a completely separate entity or a completely separate goal to just us buying a million dollar property in our SMSF. If we can Yeah.","start_word":8115,"end_word":8149,"sentiment":"neutral","sentiment_score":0.16841569542884827},{"text":"actually use that to direct us more towards what we call contentment, I think we're in a much better headspace than just having a million dollar property on the Gold Coast.","start_word":8150,"end_word":8180,"sentiment":"positive","sentiment_score":0.411814957857132},{"text":"And what if that's all you do?","start_word":8181,"end_word":8187,"sentiment":"neutral","sentiment_score":0.09263063967227936},{"text":"Because, again, with the those systems, getting lots of properties, selling them off, paying them off quicker, it's it's a fantastic compounding effect. And, look, I see it all the time on the Gold Coast. So many people just setting up an SMSF out of the blue.","start_word":8188,"end_word":8234,"sentiment":"positive","sentiment_score":0.5223274230957031},{"text":"They've got LinkedIn with buyer's agents.","start_word":8235,"end_word":8240,"sentiment":"neutral","sentiment_score":0.3047192692756653},{"text":"They can receive $20.40, $60,000 for selling the property to you, that kind of thing. Stacking properties in that way works very, very, very well.","start_word":8241,"end_word":8265,"sentiment":"positive","sentiment_score":0.5247219204902649},{"text":"But the question I would ask is, what if this is all you do? You just pay off this place, buy this place, and build your super up. Isn't that the perfect outcome anyway? Oh, and that and, yeah, if Belinda was in here now and she heard you say that, I think that would be it. Like, if we can work out a way between us and you and Chris, because he said they can do the accounting and auditing and everything like that, to say, well, this is what we wanna do. We know what the super balance is, and then we relook at whether we're going to, you know, pay that like, if we were gonna buy that, would we buy it with $500,000 or would we buy it with a 50% deposit and then borrow the rest knowing that our contributions or part of our contributions could then make the repayments because they're not gonna be fuck all Yeah. on 250,000, let's say, to the point that it's owned and then the SMSF trust or the Bear trust owns it, and then that's it. Then you just keep stacking into our all of our rest of our portfolios and leave that just sitting there. You know? If that means when you do get to retirement or you're getting close to retirement, you might not want that anymore and you might sell that out of the SMSF or whatever you need to do. But if it could get us into something as an interim movement, mate, I think that would scratch so many itches for us. But Yeah. Yeah. Yeah. I'm hearing you. So one last question for you then is what's the the ability for this like, you did mention leasing it out. What's the ability for it to generate any of the returns? I would only think it would be either adjusting it to one of the neighboring farms for for sheep. So it's obviously Yeah. set up to run sheep. Secondly, the property that it shares a boundary with is actually a bow hunting, fishing adventure property. Okay. They have a hut on their property, and they charge $380 a night for a minimum of three people to go out there and just it's just an adventure property. So they actually share a driveway with that block. So there's potential to do one or two things with it is run it as a little sheep farm and someone can put their sheep on it and pay you a monthly fee to have their sheep on there. Yeah. You could put you could set up a company and put your own sheep on there, Mhmm. and, like, you could do wool. It's obviously got a a shearing shed. You could do meat animals, or you could set it up so that it was somewhere that people can go and camp and bow hunt, and they pay you for that privilege. You know what I mean? Like, because a lot of those areas in the New England that are sort of 500, 1,000, 2,000 acres, you go down, you pay a 100 or $200 a night to camp there. If they shoot a deer, it might be $200. If they shoot a goat, it might be $50. Like, Yeah. you are giving someone an opportunity to do something, but it's generating an income through just having the space. The other thing that Belinda said, and I quickly looked into it, but realized it was it's possible, but it's very, very difficult is using SMSF to buy farms for carbon credits. Yeah.","start_word":8266,"end_word":8870,"sentiment":"neutral","sentiment_score":0.05709455053914677},{"text":"Right. That's fantastic.","start_word":8871,"end_word":8873,"sentiment":"positive","sentiment_score":0.6790202260017395},{"text":"The so the big the big thing, like, a lot of the farms that we visit up in the up in Cape York, there's a lot of them in the Riverina area. What happened was in the drought, when farmers had to sell their farms, super companies were buying them up, like snapping them all up and basically destocking them and making, let's say, it was four existing farms, then they would stock proof fence it, destock it to take all the existing stock off, and make it like one ten thousand acre property or something like that. And then they just use it as carbon credits. So then they would use that to offset their developments they're doing in Melbourne or Sydney and places like that. A lot of the really big properties up in Cape York are all just carbon credit properties. So they once were like, one of the ones I go bow hunting on is 600,000 acres, and it used to be a huge, big, you know, thriving cattle property. They've just Yeah. destocked it completely, and now it just is an overgrown 600,000 acres, and I'll make more money from carbon credits on that block than what he makes from cattle farming. Jeez. That's The only it. That's thing it. I looked Yeah. into it briefly was that if you do do carbon credits, you have to lock in for twenty five or a hundred years. So that's where it's met with very significant, I guess, complexity. So we looked into that very briefly, Oh. but Yeah. if we can do it any other way, as in adjusting farm, like, you know, planning for whatever, that would be ideal for us. So one thing I'm thinking too is, you know how I was talking about people getting property management through SMSF and amusement parks and things like that? Yep. Let's say you've got an idea of we buy this and we add some cabins on it, right, just for argument's sake. Yep. Everything there from an investment retirement legal standpoint, it's all gonna be, like, market rates. So let's say there's a cabin on top and people rent it for a holiday, and one of those people just happens to be you guys once through that year, and Yep. you use the property and you pay a market rate, which is essentially paying your own super you're paying yourself. Do you know Yep. what I mean? Yep. The two things that you run into, which is not crystal in my mind, but I've seen it happen a lot, you're not really meant to improve the SMSF property. So most of the time, when you buy just a straight up house, people go, I wanna buy a fixer upper and renovate it and flip it.","start_word":8874,"end_word":9342,"sentiment":"neutral","sentiment_score":-0.007727579966282793},{"text":"You can't do that.","start_word":9343,"end_word":9346,"sentiment":"negative","sentiment_score":-0.4715613722801209},{"text":"Okay. Yep. You can't add to it and improve it in that sense, Yep. so people generally buy commercial or new properties. Yep. The flip side to that guy who had the amusement park was 10% loan from the super through his business. Yep. And it was his business on the property, and the super was helping fund that and lease the property back. So it was a time between their business and Yep. this self managed super fund Yep. in two commercial ways, the business loan and the leasing of the property at commercial rates. So there's things that you can do there, but it then has to tie in your personal with your super, if that Yep. So makes there's a sense. guy up here guy up here that I met, and he has bought his farm, which is 600 acres up here in his super. So that's in one trust. Then his business or his other trust, it leases the farm off the super fund at market rates. So he Perfect. basically is leasing the farm back off his Superfund to farm his cattle and all that, but they're two completely separate companies and all that stuff. He was the first guy that I've met that's actually kind of, I guess, doing it in that way up here. There's another guy I met that he owns his farm in their trust, but his SMSF is so they've got a lease to buy the farm next door. So the SMSF is leasing the farm next door, but with an agreement off the property owner that once the once it's paid out, they'll transfer the title kind of thing. So they'll, like, live next door to them for years and years, and Yeah. that's what they're doing. So, yeah, I don't know. There's probably a whole bunch of ways that people are trying to get around it or whatever, but I think And it's cool for to us do. It just ties up loans, unfortunately. So, like, if yeah. you have to do a bit personal with your own company and a bit in the super, you just kind of have these two little debts that kind of interplay. And at some Yep. point, someone's gonna have to sell something to someone else. You Yep. know what I mean? Yep. In terms of entities, either Yep. you to yourself or you to someone else. Yep. And the last thing I wanted to say about that was just around when I asked about generating a return from the property. Yep. Even if it's not gonna be the biggest moneymaker, the flip side to that is, let's say you've got that goal we talked about before. House is paid Yep. off. You've got that property. You've got your portfolio on the side. If the retirement income need is less because you've got all these properties paid off and you've got the best of both lifestyle worlds, then you don't need that extra million dollars. Yes. Exactly. Yeah. Yeah. Yep. Yeah. As long Yep. as that's kind of the goal saying, k. Either we generate Yep. a return out of this to get what we were getting before or we Yep. accept it's gonna be a lower return but better lifestyle at the end, just Yep. a lower income. Yep. Alex say that that property is just an example if we can massage what that looks like. If it's half 1,000,000 or 600,000, you can look at alternatives. You know what I mean? But I think it's becoming more in line with what we are thinking, I guess. Yeah. No.","start_word":9347,"end_word":9954,"sentiment":"neutral","sentiment_score":0.05515390254655167},{"text":"I So love it. You guys have put it really eloquently and put a lot of thought into all of this, and I just love like, I've been kind of along the journey a little bit the last twelve months Yep.","start_word":9955,"end_word":9995,"sentiment":"positive","sentiment_score":0.4742502272129059},{"text":"watching Well, all of longer this kind than of I am. formula. Yep.","start_word":9996,"end_word":10008,"sentiment":"neutral","sentiment_score":0.1840084344148636},{"text":"And just as you guys have gone from step one, two, three, four, five, I can feel you getting closer to it. And I know that you can feel that too. So you're gonna get there.","start_word":10009,"end_word":10044,"sentiment":"positive","sentiment_score":0.4705175757408142},{"text":"Yep.","start_word":10045,"end_word":10045,"sentiment":"neutral","sentiment_score":0.31553882360458374},{"text":"Yep. I'll keep doing my best in the background with Sevvy doing our thing.","start_word":10046,"end_word":10059,"sentiment":"positive","sentiment_score":0.4748746454715729},{"text":"If Yep. you need us, Chris, anyone else, just give us a call. And at some point, I just can't wait to see what you guys end up doing.","start_word":10060,"end_word":10088,"sentiment":"neutral","sentiment_score":0.21963313221931455},{"text":"How is Chevy. He's good. He's good. He's back. He's doing things.","start_word":10089,"end_word":10100,"sentiment":"positive","sentiment_score":0.46667495369911194},{"text":"You know, Sev, he's an absolute bundle of energy, and I I barely see him for a couple of hours a day because he's just all over doing everything. And Yep.","start_word":10101,"end_word":10131,"sentiment":"neutral","sentiment_score":0.20786654949188232},{"text":"he's definitely a lot better a lot better since last year.","start_word":10132,"end_word":10142,"sentiment":"positive","sentiment_score":0.49182847142219543},{"text":"Yes. Yeah. He's just a bundle of energy at the moment. He's just really picked the office vibes up a little bit. Yes. I'll have to get him to to give you a buzz at some point and do a bit of a catch up. And, again, next time you're around, we'll take you out for lunch. But, yeah, he's definitely definitely on Well, we will we will try and get down there, obviously, again, when we for tax the and mend. stuff like that, and we'll try and tie that in and come down to stay for a night or two.","start_word":10143,"end_word":10244,"sentiment":"neutral","sentiment_score":0.15177835524082184},{"text":"Chris is really good with that. He's like, book yourself business class flights, come down, book yourself a nice accommodation.","start_word":10245,"end_word":10264,"sentiment":"positive","sentiment_score":0.512010395526886},{"text":"You've got to see your account and then your financial planner.","start_word":10265,"end_word":10275,"sentiment":"neutral","sentiment_score":0.3054558038711548},{"text":"So it's all tax deductible, and I love it.","start_word":10276,"end_word":10284,"sentiment":"positive","sentiment_score":0.5712808966636658},{"text":"then we can go from there. So I guess summarize where we're at with exactly what we're looking at here. So we've got the statement of advice, which I'm all for with what we've been through for those changes to Alfiniti and and the inflation bonds or ETF and the other one. Yes. They're really the only changes in that statement of advice is those three. Yeah. It's pretty much a bit of a rebalance of the portfolio weightings, the Yep. replacement of the Bennelong, Yes. the addition of those three options, bit of a rollover from QSuper. Everything else is currently on pause in terms of property, cash flow, and insurances, and that's Yes. kind of our our next steps. And, Yes. hopefully, by tax time, we've got a bit more clarity around the work side of things, insurance, SMSF, and so on, and then we can just dive into all different directions. So if we wanted to look more intently into, say, doing something with a block like that one that I've sent you or something like that, what's the next steps with you guys through Oakview or through Chris to actually start looking at what that would look like. So the first thing you would do is, let's say, you find the property, you find the idea, shoot it through to Savvy, Chris, and myself so we can look over it together. We'll spitball Yep. some ideas and work out the kinks and figures. We can put an updated plan together, so usual statement of advice, all that kind of thing. When it comes to SMSF, accountants do the entities, advisors Yes.","start_word":10285,"end_word":10559,"sentiment":"neutral","sentiment_score":0.14708108988675203},{"text":"do the product and the strategy. So if we get a good plan together and everyone's happy with it, they'll set up the trust and the companies and everything like that.","start_word":10560,"end_word":10590,"sentiment":"positive","sentiment_score":0.5208550095558167},{"text":"We'll Yes. set up the bank accounts and the investment accounts, and Yes.","start_word":10591,"end_word":10603,"sentiment":"neutral","sentiment_score":0.28965839743614197},{"text":"and we kind of dive into it. Couple of cool things we can do as long as we get the right bank account, such as like a a Macquarie cash management account or something like that, that'll facilitate all of your transactions, rental income contributions, Yeah. all that kind of thing. And then the even Hub twenty four now can do an SMSF owned account and just move all your stuff across in the spec sheet.","start_word":10604,"end_word":10679,"sentiment":"positive","sentiment_score":0.4521975517272949},{"text":"Don't even have to sell it down.","start_word":10680,"end_word":10686,"sentiment":"neutral","sentiment_score":0.19129200279712677},{"text":"They can just bring Yes. it across with a with a click of a button.","start_word":10687,"end_word":10701,"sentiment":"positive","sentiment_score":0.3447626829147339},{"text":"We would have to tie in if it's gonna be both of you guys and both of your supers, tie all that in together. Yes.","start_word":10702,"end_word":10726,"sentiment":"neutral","sentiment_score":-0.016936440020799637},{"text":"And, hopefully, if you've got that EBA sorted and you've got choice of funds, it's much cleaner if you can have your contributions flowing through your SMSF bank account so that it's helping service the property and the loans and everything.","start_word":10727,"end_word":10767,"sentiment":"positive","sentiment_score":0.4397547245025635},{"text":"And then Yes. you can distribute Yes. the funds and invest them from there into property and investments. Having to have funds go to q super and and Belinda's super and then an SMSF on the side and rolling funds around all year, that can be really painful Yes. so that the cleaner to set up the best. So can you potentially have it then like, so if I got all my super going into the SMSF and then say the q super was going in there and whatnot or what, Could Kyle then potentially split his super to have half of it going into his o q stuff and then half going into the SMSF? Yeah. You wouldn't even have to split Yes. it. So one of the things that you can do is, let's say, every single dollar goes into that one bank account. Yeah. Loans are paid, contributions come in, fees, taxes, premiums for insurances. Everything gets through the wash. We literally just take that lump sum, invest it into the portfolio. And then every year when we revisit it, we see how the cash flow has gone for the Yeah. SMSF Mhmm. Yep. because Yeah. that's gonna take into account loan repayments. And if there's a leftover, you would pretty much do, like, a once a year or once every six months investment of excess funds. So if there was no loan on the on the property, then what does that look like then? Then it just becomes much more fluid. Yep. The property is owned. Everything just continuously getting invested, and Yeah. we can just basically run it like we have been. Yep. The only thing that would do is you would go from where we sit now and where you project you're gonna be Yeah. To owning that now Yeah. But what that would look like for retirement Yeah. That you weren't in here before when Tommy was just talking to me, like, there there's a lot of ways to make it work, whether we put in 50 percent and then borrow 50% or yeah. So we're throwing around ideas of Yeah. The last idea. Income and I just flipped And even you through, if Tommy. you want? This is Yeah. Go the for it. worksheet. You'll get another email there now that New Haven basically sent through when they were explaining how the SMSF structure worked, which was very in line with the very quick synopsis that you gave me about the cash managed account. So this was their proposal if we were to do not use all of the super balance. So using 412,000 borrowing 650,000 and buying a million dollar property, what that would look like from rent, Yeah. Belinda's contributions, my contributions, the earnings on the property, then the expenses, and what that would look like in a per year sort of scenario. Yeah. So it'd be interesting to see what your thoughts are on on those kind of figures and whatnot, but that was the they gave us two proposals. One was buying one property worth a million dollars or, yeah, just throwing around figures, I think, before they went through, like, a statement of advice so that we had something to look at. Yeah. And the other one was buying one property. So putting in 820,000, borrowing 1.3 and buying a $2,000,000 property and basically only leaving us with 120,000 in the SMSF trust balance and all that sort of stuff or having two $1,000,000 properties essentially rather than one $2,000,000 property or whatever. But I much more think, you know, after our discussions that having a strong fund that you guys are carefully managing and being able to look at something else that can tickle that itch Look outside the box. Is probably It's way more gonna be more closely aligned for us. 100%. Yeah. And you guys can't see me right now.","start_word":10768,"end_word":11423,"sentiment":"neutral","sentiment_score":0.051163613955240425},{"text":"I do apologize for not being on video call, but I just have this huge smile on my face looking at this flowchart they've sent you because Yep. I just went through a flowchart with the staff members last week about SMSF, and it almost mimics this exactly.","start_word":11424,"end_word":11471,"sentiment":"positive","sentiment_score":0.37736621499061584},{"text":"Yeah. Yeah. What what when I look at this, this is explaining your entities really, really well in terms of the SMSF trustee, having to have the bare trust, the bare trustee, and the property, the lender, all that kind of thing. Yes. What I was explaining before to you, Carl, about the bank account and the investment account is just zooming in on that yellow side and the Yep. actual accounts that are sitting under the hood. Yep. And he did explain that really well about the the way that when they were first sort of out, you know, not having that bare trust just meant that there was more risk and all that stuff. Whereas when the bare trust owns the property and it's got no link to the SMSF trust, even if something happens and the property goes down or anything like that, they can't come to what's in your SMSF trust portfolio Yeah. balance to try and make up the shortfall of what's happened with the property that's owned by the Bear Trust. Yep. And it's the only way to do it.","start_word":11472,"end_word":11657,"sentiment":"neutral","sentiment_score":0.030031469890907887},{"text":"Yep. A lot of people wanna, like, scrimp and save on fees to go, oh, I'll be an individual trustee of my SMSF, and it's just like, just just pay that little bit extra to have the company so it's safe.","start_word":11658,"end_word":11698,"sentiment":"positive","sentiment_score":0.37666019797325134},{"text":"Yes. The the lenders usually require it to have the bare trust and the BearTrustee being a company anyway. Yep. Back when I was doing a lot of SMSFs about ten years ago, you had to have a 50% deposit, and there was only Yes. two or three lenders that would do it. Yes. It's relaxed a lot now, but it comes in cycles. And one day, someone's gonna restrict it again, and you're gonna wanna make sure you've got a safe setup and not have to be falling into our we did it the cheap and easy way, and now all of a sudden the government's restricted us. What's your thoughts on the ground with the government reducing the capital gains discount tax? Because when I spoke to Chris yesterday afternoon, he was like, it's a 100% gonna happen. They've already passed the legislation through the lower house, and it was either a proposal to reduce it to 25% or 33% depending on properties. What's your thoughts on on how that's gonna work? Yeah. I I pretty much agree with what Chris said. This is the first time since I've been an adult that I've seen something that politically what would you call it? The political appetite to make those changes for the first time, and they've been wanting to do it for a long, long time.","start_word":11699,"end_word":11926,"sentiment":"neutral","sentiment_score":0.0821671411395073},{"text":"This is the first time that everyone's pretty much in agreement to do Yep.","start_word":11927,"end_word":11940,"sentiment":"positive","sentiment_score":0.3962948024272918},{"text":"it. And if Yep. there's one time to do it, it's now. Yep. Right?","start_word":11941,"end_word":11954,"sentiment":"neutral","sentiment_score":0.10495830327272417},{"text":"When everyone's in the hurt, they're pretty much gonna use that as the excuse to do it.","start_word":11955,"end_word":11971,"sentiment":"negative","sentiment_score":-0.3717072904109955},{"text":"So it's gonna come through. Yes. There's a lot of reassurances that they're trying to do in terms of grandfathering, but also the targeting of it.","start_word":11972,"end_word":11997,"sentiment":"neutral","sentiment_score":-0.1897214502096176},{"text":"So changing the percentages is gonna be the most detrimental to a lot of people. The removal of the CGT discount for people above three properties are heard thrown around.","start_word":11998,"end_word":12027,"sentiment":"negative","sentiment_score":-0.4643401801586151},{"text":"Yep. That's more to target the people who own five, ten, 20 investments. They're trying to make sure that they avoid upsetting the mom and pops who have their one or two investment properties Yep. Yeah. because that's a Fair big enough. vote of us. So that should be pretty safe. If Yep. they do the percentages, I'd be pretty yeah. Yep. Interesting. Interesting. Alright. Well, we'll get I'll get this statement of advice signed off and back to you, but we would probably like to stay in close contact even if you wanna have a yarn as heavy about what we've spoken about and sort of see what his thoughts are around, you know, what what or even if you can have a think about what you would recommend it would look like. If we just use that property as an example, would we look at withdrawing 50% and borrowing 50%? Would we look at withdrawing 70% and borrowing 30%? Would we look at buying it outright? You know, and what would that look like from an actual making something happen point of view? Yeah. And then we can sort of just continue. So we're coming down to the Gold Coast this weekend for the first Infinity Real Estate Masterclass event at the Star, which is basically where I think they're going to encourage us to buy our first investment property with the equity release that we've got sitting there. Yeah. Yep.","start_word":12028,"end_word":12270,"sentiment":"neutral","sentiment_score":0.10483936523949658},{"text":"But with the SMSF side, and I've said this to Binrock from the start, I have a very high level of comfortability for what you guys have done for me and the working relationship that we have with the way we can talk and our super is managed and all that stuff, that if we can do something without outsourcing that from our little circle that we have, that would make me feel incredibly more comfortable than just, you know, because they see all they see is dollar signs.","start_word":12271,"end_word":12359,"sentiment":"positive","sentiment_score":0.4023362696170807},{"text":"When they see a 43 year old with nearly a million dollars in super, they're like, fucking, let's go. We're gonna buy five or 10 investment prop you know, in our SMSF or we're gonna buy a million There you dollar go. properties or whatever. He owns Whereas how much? $330. yeah. Yeah. So, you know, because they're like our friends that have done it, I think they had a combined super of 250,000, and they bought an investment property with theirs. Now that's a husband and wife of 40 years old. So, you Yeah. know, when they saw ours, they're like, holy shit. Like, we can do and I'm like, yeah. But we've worked, you know, I feel worked really hard to get that from what it was to where we are now and not just willing to even when I said possibly doing half and keeping half, they're kinda like, oh, you but it'd be much better if you did the whole lot. I'm like, yeah. But hang on a sec. Like, we have a good thing going here, and I'm not just gonna throw that away. So Yeah.","start_word":12360,"end_word":12550,"sentiment":"neutral","sentiment_score":-0.032888442277908325},{"text":"I appreciate that.","start_word":12551,"end_word":12553,"sentiment":"positive","sentiment_score":0.5241972804069519},{"text":"And to be honest, I meant what I said in the email when I said that I've always liked spitballing ideas in the industry.","start_word":12554,"end_word":12577,"sentiment":"neutral","sentiment_score":0.2968750298023224},{"text":"And if there's an opportunity yeah. to work with those guys or someone else down the line, like, I'm never one to try and bubble things off to the side. I've always talked to everyone in the industry, and if they've got cool ideas, that's fantastic. My favorite thing to do is sitting there with a whiteboard with Chris and Savvy and myself and whoever and just coming up with Yep. ideas. This is the most fun. When you've got people who can do the things, let's Yep. come up with the best three, four, five ideas and figure out which one suits you guys, and then we just go and do it.","start_word":12578,"end_word":12690,"sentiment":"positive","sentiment_score":0.5084916353225708},{"text":"Yep. Well, yeah, we'll get this part signed, and then I guess our idea is to do something like that.","start_word":12691,"end_word":12710,"sentiment":"neutral","sentiment_score":0.28890371322631836},{"text":"So if we can start spitballing amongst the three of us or the three of you guys, and you guys can have a think about what that would look like and the way to sort of do something like that, that would be ideal. But for right now, I appreciate that I've got my own custom super portfolio that's the only one in Australia. And I agree, not only the pretty photo on the front, but the figures that are within it and the work that's gone into it is a work of art. So Thank let's you. just get it all signed off and start looking at what comes next. Yeah. Cool.","start_word":12711,"end_word":12823,"sentiment":"positive","sentiment_score":0.451538622379303},{"text":"When it comes to the SMSF ideas, I'll definitely have a chat to Chris and Savi about it. I'm gonna take it a little little bit slow Yep. Yep. because Yep. I I need some things, some ducks to line up for you guys before I would say to dive into it, Yes. and that's things like the agreement with work. If you're having to interplay between health conditions, occupation issues for insurances for both of you guys, restrictions on having to have q super still there, Yep. it becomes very messy very quickly. And if those line up over the next couple of months, it becomes much, much more of a realistic thing to dive into. So Yep. exactly what you said about the ideas about whether you go outright or partial loan, things like that, I'll spit all those ideas, but I'm seeing this happening after end of financial year. Yep. Oh, Gotcha. and also, because I'm going away on paternity leave in June with my daughter on arrival, I'll make sure Savvy's there on call for that month Yep. until I get back around July.","start_word":12824,"end_word":13011,"sentiment":"neutral","sentiment_score":0.09389801323413847},{"text":"Congratulations. How exciting. Thank you.","start_word":13012,"end_word":13016,"sentiment":"positive","sentiment_score":0.7100332975387573},{"text":"So it's Is hour this number your three. first? You got the two two boys, six and three, and then the daughter on the way. So Oh very, my god.","start_word":13017,"end_word":13046,"sentiment":"neutral","sentiment_score":0.15689808130264282},{"text":"very excited.","start_word":13047,"end_word":13048,"sentiment":"positive","sentiment_score":0.40292462706565857},{"text":"Right now, what hits you when you get a girl? Well, my wife, Alexis, she's already had a much more rough pregnancy. She said that apparently girls are really hard in pregnancy, and that's all I've heard around the office.","start_word":13049,"end_word":13088,"sentiment":"neutral","sentiment_score":-0.22369691729545593},{"text":"And her back's killing her.","start_word":13089,"end_word":13093,"sentiment":"negative","sentiment_score":-0.5368315577507019},{"text":"She's limping to the finish line, but we are so excited. Wait till they turn, I don't know, maybe, like, eleven or twelve, and then you'll know a whole different kind of world of cuisine when it comes No, to Belinda. No. You Thank you. and you were still allowed to go away for traditional Croatian cooking with the boys while you had a heavily pregnant wife. She must be very understanding. No. Everyone was involved. We we get everyone to do it. Yeah.","start_word":13094,"end_word":13177,"sentiment":"neutral","sentiment_score":-0.05546848475933075},{"text":"It was fantastic.","start_word":13178,"end_word":13180,"sentiment":"positive","sentiment_score":0.5960061550140381},{"text":"We brought everyone over to my grandmother's house, my my bubba over there, and we all helped cook it up because she's she's 86 now. She's Yes. she's definitely getting on in years, but we all sat around the family kitchen that I grew up with in Oxford there. It was a big family Yes. home where you had all the aunts and uncles and everything and cooked up some and and all the cheesecakes in the world, jam Yeah. cakes and all the rest of it. Everyone's invited when it comes to Bubba's house. You would have had a food coma. Yeah. It was serious, and then she sent me home with because my favorite's always been her cheesecake since I've been little. She gives me an entire container full of it and then a whole Yep. bunch of leftovers, and then I'm basically dead for two weeks eating the same Yep. thing. Yeah. Roger. Alright, mate. Well, we will we won't hold you up too much longer, and we'll have a look at all this stuff. I'll get it all signed off on the iPad and sent back to you and then go from there. Thank you. No.","start_word":13181,"end_word":13380,"sentiment":"neutral","sentiment_score":0.13149604849517346},{"text":"Thank you very much, Linda and Carl.","start_word":13381,"end_word":13387,"sentiment":"positive","sentiment_score":0.3666107654571533},{"text":"I'm gonna flick you back a quick reply to your email. I've graffitied on that picture a little bit just to add in the context of the I'm gonna call it my graffiti. The context of the accounts for the investments. Yep. Outside of that, I do have a separate email coming to you just for the renewed service agreement because that that clicked off last month. Mhmm. Yep. So I'll pop that through to you separately. Just wanted to make sure you were happy with the strategy first. Yeah. Yep.","start_word":13388,"end_word":13478,"sentiment":"neutral","sentiment_score":0.08098099380731583},{"text":"Sounds good. Awesome, guys. I'll pop that through to you now.","start_word":13479,"end_word":13489,"sentiment":"positive","sentiment_score":0.4361102283000946},{"text":"So there'll be two Odoo emails and Yep. my graffiti, and I will talk to you guys around tax time. There's no changes to the fee structure or anything in that renewed service agreement? No. Still discounted No. to 1.1. Yep. You're getting close to the cap.","start_word":13490,"end_word":13536,"sentiment":"neutral","sentiment_score":0.07945570349693298},{"text":"So Sevvy is very excited, but we've almost got you there, and everyone's happy.","start_word":13537,"end_word":13550,"sentiment":"positive","sentiment_score":0.5643226504325867},{"text":"And anything you need, you just give us a call. Yep. Alright, mate.","start_word":13551,"end_word":13563,"sentiment":"neutral","sentiment_score":0.2517942786216736},{"text":"Sounds good. Thanks for that. Thanks, guys. Have a good night.","start_word":13564,"end_word":13574,"sentiment":"positive","sentiment_score":0.6670945286750793},{"text":"Bye.","start_word":13575,"end_word":13575,"sentiment":"neutral","sentiment_score":0.3247047960758209},{"text":"Thanks, Tommy. See you, mate.","start_word":13576,"end_word":13580,"sentiment":"positive","sentiment_score":0.49082937836647034},{"text":"Bye.","start_word":13581,"end_word":13581,"sentiment":"neutral","sentiment_score":0.2502729296684265}],"average":{"sentiment":"neutral","sentiment_score":0.08250604581971815}}}}