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Well, fill me in on where everything's at. Where did we end up buying? How much did we buy for? Yeah. This is, like okay. Yep. Oh, no, darling. Yeah. Oh, no. Yeah. Last time we spoke, you had a whole heap going on and and yeah. Yeah. Yes. Of course. It never runs smoothly. No. That's perfect. We just need to pop the money in, my love. So nice and easy, we can get the money in. So let's start with because I've I've still got your Merry Mac address, which is definitely wrong. What's the new house? Mhmm. I lost. Perfect. And 2 428. Perfect. Okay. Oh, for the kids again. I love. Oh, that is perfect. Yes. Cool. What we calculated. Yeah. I had wondered. That's okay. Where do we stand? Yeah. Yeah. Yeah. Pension dropped a little bit. Yep. Yeah. Because you're if based on $3.50, you'd be just over the, yeah, it's $3.21 500. Okay. Alright. That's okay. Full pension. Yeah. No. That's okay. We can so we can get we can get the the full pension back. That's nice and easy. What we need to do is we just need to pop the money in. So give me today, because, obviously, the figures have drastically changed to just rework where we're gonna put the money in because we we we can put the money in. That's okay. That's nice and easy. But I just need to make sure that we're putting the right amount of money in. I'd wanna leave you with some cash still like we talked about, and I wanna look at where we can how much money we we put into that special account. Yeah. Correct. But, obviously, with the purchase and holidays and everything else, that's okay. Yeah. Yeah. Yeah. It just hit a bit heavier than we we'd thought. Mhmm. Okay. Yeah. Okay. That's okay. Yeah. That that's okay. Well, so we can play this one of two ways. I can get rid of pretty much, like, all of your cash. And when I say get rid of, I mean shelter. We're obviously not gonna throw it in the bin. And then we can replenish the cash with whatever you get from mom's estate. So that way, we can pop all the money that we need to pop into your super fund into your super fund and shelter it all? Yes. Yeah. We were we were gonna have one available for you to draw down bulk amounts if you ever need to, and the other one the other one available to give you that income stream. Sheltered. It's yeah. Yep. Correct. Yeah. So we can get you back up to that. And then whatever happens with mom, we can deal with that on that side of things. Okay? Alright. Yes. They do. Do you know how long mom was in the retirement village for? Oh, okay. So she was there for a while. Okay. Well, she should get she should get a decent amount back still, but yeah. Yes. And that comes out of the sales costs and yeah. Love. Of course. I'm sorry, love. Oh, that is a good innings. Good innings. Yeah. Oh. Oh, so I've got you for a long time yet. Good to know. I'll be here forever. Yeah. Correct. No. It doesn't sound like it should make too much of an issue. No. I don't think you will. I think we're probably pretty good. Yep. Good. Cool. Well, it's gonna because we're we're at the end of the role of financial year, which is why I was literally talking about you today. Because I was like, cool. I haven't heard from you, and I need to reach out to you before we hit the financial year role because we need to do stuff this financial year and next financial year. No. Alright. Oh, that's fine. No. That's okay. So what what I'll do is I'll redo the calculations and figure out where we're gonna pop all the money into which areas. But, essentially, I'm probably gonna basically put about 330 of the funds into the super fund and leave you with $20 cash at the moment. So I'll leave you with a little bit of cash still so that way you're still covered. And then over the next like, we're not gonna put all the money in right this second. We'll put some in basically, like, this week or, you know, within the next couple of weeks, and then we'll put some in just after the financial year rolls over. So, like, first or second of July. And then from there, we will we'll I'll be able to set up the accounts, and we can go to Centerlink and get Centerlink all sorted as well. Okay? So it's only it'll be a month, and then we got it all sorted. It'll just it'll be full it'll be forward. Yeah. It they weren't back. It'll just be no. It'll just be looking forward. We'll just get we'll have it all sorted looking forward. Oh, you're you're courageous. I love. Yeah. What? You didn't want me to come all the way down to Smith's Lake? That sounds glorious. No. I don't mind driving either. Higher, which is a perfect place to stop? In she goes. I love. That's perfect. No. There. The stopping and starting is a bit of a pain. No. No. That's perfect. Ears must have been burning. No. Alright. Well, I'll redo the calculations now that we have our solid figures after sale and purchase, and then we can I'll I'll give you a callback today to confirm the amounts, and I'll send you and, basically, I'll just I'll send you the payment details to pop the money in. 343. Okay. Good. Yep. Do so what are you comfortable keeping in your account? Right. Right. Perfect. Joint bills. Yep. Absolutely. Absolutely. No. That's perfect. Alright. We can do that. That's fine. Alright. So we've got basically 320,000 that we can pop in. Too easy. I show. Twenty four. No. That's okay. No. I should be able to run it through today. I I was basically doing a bunch of little small project for the day, so I'll put them down and work on yours. Perfect. I will talk to you soon then. That's okay, darling. Thanks for calling. 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Kim. How are you going? That's so good. I was literally mentioned your name today. Your ears are burning.\n\nHow's how's the move going? How's everything settling in? I love. Alright. Well, fill me in on where everything's at.\n\nWhere did we end up buying? How much did we buy for? Yeah. This is, like okay. Yep.\n\nOh, no, darling. Yeah. Oh, no. Yeah. Last time we spoke, you had a whole heap going on and and yeah.\n\nYeah. Yes. Of course. It never runs smoothly. No.\n\nThat's perfect. We just need to pop the money in, my love. So nice and easy, we can get the money in. So let's start with because I've I've still got your Merry Mac address, which is definitely wrong. What's the new house?\n\nMhmm. I lost. Perfect. And 2 428. Perfect.\n\nOkay. Oh, for the kids again. I love. Oh, that is perfect. Yes.\n\nCool. What we calculated. Yeah. I had wondered. That's okay.\n\nWhere do we stand? Yeah. Yeah. Yeah. Pension dropped a little bit.\n\nYep. Yeah. Because you're if based on $3.50, you'd be just over the, yeah, it's $3.21 500. Okay. Alright.\n\nThat's okay. Full pension. Yeah. No. That's okay.\n\nWe can so we can get we can get the the full pension back. That's nice and easy. What we need to do is we just need to pop the money in. So give me today, because, obviously, the figures have drastically changed to just rework where we're gonna put the money in because we we we can put the money in. That's okay.\n\nThat's nice and easy. But I just need to make sure that we're putting the right amount of money in. I'd wanna leave you with some cash still like we talked about, and I wanna look at where we can how much money we we put into that special account. Yeah. Correct.\n\nBut, obviously, with the purchase and holidays and everything else, that's okay. Yeah. Yeah. Yeah. It just hit a bit heavier than we we'd thought.\n\nMhmm. Okay. Yeah. Okay. That's okay.\n\nYeah. That that's okay. Well, so we can play this one of two ways. I can get rid of pretty much, like, all of your cash. And when I say get rid of, I mean shelter.\n\nWe're obviously not gonna throw it in the bin. And then we can replenish the cash with whatever you get from mom's estate. So that way, we can pop all the money that we need to pop into your super fund into your super fund and shelter it all? Yes. Yeah.\n\nWe were we were gonna have one available for you to draw down bulk amounts if you ever need to, and the other one the other one available to give you that income stream. Sheltered. It's yeah. Yep. Correct.\n\nYeah. So we can get you back up to that. And then whatever happens with mom, we can deal with that on that side of things. Okay? Alright.\n\nYes. They do. Do you know how long mom was in the retirement village for? Oh, okay. So she was there for a while.\n\nOkay. Well, she should get she should get a decent amount back still, but yeah. Yes. And that comes out of the sales costs and yeah. Love.\n\nOf course. I'm sorry, love. Oh, that is a good innings. Good innings. Yeah.\n\nOh. Oh, so I've got you for a long time yet. Good to know. I'll be here forever. Yeah.\n\nCorrect. No. It doesn't sound like it should make too much of an issue. No. I don't think you will.\n\nI think we're probably pretty good. Yep. Good. Cool. Well, it's gonna because we're we're at the end of the role of financial year, which is why I was literally talking about you today.\n\nBecause I was like, cool. I haven't heard from you, and I need to reach out to you before we hit the financial year role because we need to do stuff this financial year and next financial year. No. Alright. Oh, that's fine.\n\nNo. That's okay. So what what I'll do is I'll redo the calculations and figure out where we're gonna pop all the money into which areas. But, essentially, I'm probably gonna basically put about 330 of the funds into the super fund and leave you with $20 cash at the moment. So I'll leave you with a little bit of cash still so that way you're still covered.\n\nAnd then over the next like, we're not gonna put all the money in right this second. We'll put some in basically, like, this week or, you know, within the next couple of weeks, and then we'll put some in just after the financial year rolls over. So, like, first or second of July. And then from there, we will we'll I'll be able to set up the accounts, and we can go to Centerlink and get Centerlink all sorted as well. Okay?\n\nSo it's only it'll be a month, and then we got it all sorted. It'll just it'll be full it'll be forward. Yeah. It they weren't back. It'll just be no.\n\nIt'll just be looking forward. We'll just get we'll have it all sorted looking forward. Oh, you're you're courageous. I love. Yeah.\n\nWhat? You didn't want me to come all the way down to Smith's Lake? That sounds glorious. No. I don't mind driving either.\n\nHigher, which is a perfect place to stop? In she goes. I love. That's perfect. No.\n\nThere. The stopping and starting is a bit of a pain. No. No. That's perfect.\n\nEars must have been burning. No. Alright. Well, I'll redo the calculations now that we have our solid figures after sale and purchase, and then we can I'll I'll give you a callback today to confirm the amounts, and I'll send you and, basically, I'll just I'll send you the payment details to pop the money in. 343.\n\nOkay. Good. Yep. Do so what are you comfortable keeping in your account? Right.\n\nRight. Perfect. Joint bills. Yep. Absolutely.\n\nAbsolutely. No. That's perfect. Alright. We can do that.\n\nThat's fine. Alright. So we've got basically 320,000 that we can pop in. Too easy. I show.\n\nTwenty four. No. That's okay. No. I should be able to run it through today.\n\nI I was basically doing a bunch of little small project for the day, so I'll put them down and work on yours. Perfect. I will talk to you soon then. That's okay, darling. Thanks for calling.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Kim.","start":2.56,"end":3.28,"sentiment":"neutral","sentiment_score":0.22660833597183228},{"text":"How are you going?","start":3.28,"end":4.18,"sentiment":"neutral","sentiment_score":0.29653415083885193},{"text":"That's so good.","start":6.96,"end":8.18,"sentiment":"positive","sentiment_score":0.7439808249473572},{"text":"I was literally mentioned your name today.","start":8.559999,"end":10.74,"sentiment":"neutral","sentiment_score":0.20264525711536407},{"text":"Your ears are burning.","start":14.255,"end":15.395,"sentiment":"neutral","sentiment_score":-0.1109015578404069}],"sentiment":"neutral","sentiment_score":0.24231031592935323,"num_words":20,"start":2.56,"end":15.395},{"sentences":[{"text":"How's how's the move going?","start":31.23,"end":32.83,"sentiment":"neutral","sentiment_score":0.12345642447471619},{"text":"How's everything settling 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okay.","start":312.88,"end":313.62,"sentiment":"neutral","sentiment_score":0.05413586646318436}],"sentiment":"neutral","sentiment_score":0.03583349697291851,"num_words":10,"start":308.63998,"end":313.62},{"sentences":[{"text":"Where do we stand?","start":314.125,"end":315.185,"sentiment":"neutral","sentiment_score":-0.011332902126014233},{"text":"Yeah.","start":342.79498,"end":343.29498,"sentiment":"neutral","sentiment_score":0.02781466394662857},{"text":"Yeah.","start":355.13,"end":355.63,"sentiment":"neutral","sentiment_score":-0.013210479170084},{"text":"Yeah.","start":371.305,"end":371.805,"sentiment":"neutral","sentiment_score":-0.0004887580871582031},{"text":"Pension dropped a little 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hit a bit heavier than we we'd thought.","start":464.84,"end":467.9,"sentiment":"neutral","sentiment_score":-0.21128403544425964}],"sentiment":"neutral","sentiment_score":-0.01999223705381155,"num_words":25,"start":449.245,"end":467.9},{"sentences":[{"text":"Mhmm.","start":472.95502,"end":473.45502,"sentiment":"neutral","sentiment_score":-0.11012619733810423},{"text":"Okay.","start":486.25,"end":486.75,"sentiment":"neutral","sentiment_score":-0.0313807874917984},{"text":"Yeah.","start":498.345,"end":498.845,"sentiment":"neutral","sentiment_score":-0.04227782413363457},{"text":"Okay.","start":505.07,"end":505.31,"sentiment":"neutral","sentiment_score":-0.0732106864452362},{"text":"That's 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yours.","start":1171.73,"end":1179.91,"sentiment":"neutral","sentiment_score":0.2216975371474805},{"text":"Perfect.","start":1183.1749,"end":1183.6749,"sentiment":"positive","sentiment_score":0.7523232698440552},{"text":"I will talk to you soon then.","start":1184.2949,"end":1186.075,"sentiment":"positive","sentiment_score":0.622313278062003},{"text":"That's okay, darling.","start":1188.5349,"end":1189.6749,"sentiment":"positive","sentiment_score":0.7172922293345133},{"text":"Thanks for calling.","start":1189.815,"end":1190.7949,"sentiment":"positive","sentiment_score":0.7247352202733358}],"sentiment":"positive","sentiment_score":0.39280113295928853,"num_words":37,"start":1171.73,"end":1190.7949},{"sentences":[{"text":"Bye.","start":1192.215,"end":1192.715,"sentiment":"neutral","sentiment_score":-0.12624357640743256}],"sentiment":"neutral","sentiment_score":-0.12624357640743256,"num_words":1,"start":1192.215,"end":1192.715}]}}]},{"alternatives":[{"transcript":"I'm good. Thank you. Oh, okay. Well, yeah, I'm back up on the coast at the moment. And and Jenny had rung me to say, when are you coming up next? And I said, oh, I'm actually heading up there tomorrow. And she said, oh, I'm going to go to the financial adviser. Oh, yes. I must ring them when I get up there again. It's all good. Yeah. But I just said to Jordan, I couldn't remember whether you weren't gonna get in touch with me or I was meant to get in touch with you and yep. So lots of things have been happening anyway. We've just got back from a holiday. So yeah. Okay. So I we purchased down in Foster in a in a sort of a suburb area called Smiths Lake. And so I've got now I also Tony went into the local office down there and put an address change in from up here. And because I was heading up here at the time, I thought, oh, I'll do that when I get up here. I've gone into the Robina office and said, I just need to change my address. And lo and behold, they had me booked in, and they wanted bank statements and proof of what, like, statements saying what I sold the house for, how much got deposited, how much we bought a house for. They wanted to know because it was a month in between selling one place and purchasing and settling on the next, where I had lived for that month. And it was, like, 20 questions or more than 20 questions. I said, my husband did this down in Foster. He just went in and said I need to change my address. And they said, how much do you have in the bank? And he told them. And they said, oh, you're fine. And did it for him. I said, I've come up here to do it, and I've been put through the ringer. Unbelievable. And I had no idea how much I had because I didn't say. I just said, I wanna change my address. And that's how it went. I had to go to the bank and get them to print statements off to take back the following week. And when they said, where did you live for that month? I said, and do you guys really give a shit? Do you actually care where I live? Oh, so, anyway, that happened, and my pension is now being dropped. So yeah. So that's where we're at. And then when all that had happened, I was going to get back to you or you're gonna get back to me, and I just can't remember, to start working on those super accounts. I did. Mom had passed away right when I put the house on the market and oh god. Yeah. And then by like, we we did sell the house and then we found another one and they they needed time to look and so that's why there was a month difference between the settlements. Oh, yeah. So, yes, what do I do next? Yes. The new address is 5 Harcourt Crescent, as in the real estate spelling, Harcourt, and it is Smiths Lake. And that 22428 is the postcode down there. I'm actually up back up here for the next three weeks doing some pet sitting. Catching up with the kid the ladies from the gym. Yeah. Yeah. So that's why Jenny rang me, and I said, I'm actually driving up tomorrow. She said, oh, good. Yeah. Yeah. So, of course, with all the moves and with agency and stand duty fees and all the rest of the money I have to pay out, I haven't got haven't got as much as what we had calculated because yes. Yes. But I had about 350 sitting in my bank account. I've got a little bit less now. And so when I went to Centrelink Place in Ravenna, and I've done all their calculations and get someone else over to verify this, that, and the other. Oh, okay. So and so I wanted to find out how much you're allowed to have in an account because I've put it down as like, I didn't mention anything that I've I'm purchasing with my hubby, like, that we're sharing. I didn't say a thing about that. And so they said, okay. So you're single. You're doing this. You're doing that. Not yet. Yep. Yep. And how much have you got? And because I think at the time, it was a little over $3.50. Yeah. My pension has dropped down instead of level instead of what? 1,100 and whatever, $11.49 or whatever, I'm getting 800 and something. 3 So I'm still over slightly because I think I'm down to about $3.44 or something at the moment. But yes. Goodbye goodbye part pension. Mhmm. Yes. Because we were gonna yeah. We were gonna do three in one and two in the other or something. Yeah. Yep. Oh, just just living in expenses of of the government taking stamp duty and the the real estate's charging so much commission, etcetera, etcetera. It's just ridiculous. Yep. But but because mom did pass away, well, my sister has been dealing with most of it down there because she lives down there and was letting them know her property will go on the market in the retirement village she lived in. So we will be getting something from that. I had no idea how much. It just all depends. And, you know, those places, they just take they go, oh, yeah. You buy in, but you never own the place. And and then you get a percentage back. So I do not have any idea until it all happens. Mhmm. Mhmm. Because you were thinking of doing me two two super funds, weren't you? One one that it's sort of mhmm. Yes. That's right. Yeah. The other one sort of like got well, like, high not hiding, but but putting away one. Yeah. And putting away one, but I can get at it if I need it. And then putting another one, which is more or less, like, from the banking industry, I'm just sort of thinking, yes, like a term deposit, and I would be getting interest on a top situation, and that would be going into my account. That way, that would help me get back some of my pension. Yep. Okay. Yeah. Yep. Okay. Yeah. Yeah. As I said, I I do not know. It could be something like a couple $100, Could be a little bit more. Could be a little bit less. Just depends on, you know, how you get ripped off with retirement villages too. Eight to ten years. She was. Yeah. Yeah. We should. Yes. Because what they do is you sort of hand the keys back in. They come in anytime someone either dies or leaves the place. That whole apartment gets totally rerenovated. Ready for the that yeah. Ready for the next person to purchase. Whereas when mom bought it or my sister and brother-in-law were helping her, it was a private sale and so it hadn't been renovated when she bought it, but she just it was fine. It was lovely. And she turned what was like a I don't know, a computer sitting room area into a second bedroom. So it is classified as a two bedroom now because she did renovations and put a wardrobe in. But yeah. Technically, when she bought it, it was a one bedroom, one bathroom. But with this room big enough to have a double bed in there and put the wardrobe in there. Plus, she needed all that wardrobe space for her clothes. Of course. Yes. A lot it was terrible when my sister-in-law was down there just emptying it out and going through stuff and oh, yeah. Yeah. All the stuff they collect. Oh, no. But all the stuff they collect. She was 96. Yeah. That it only happened because she had a fall and and ended up in hospital with a brain bleed. Yeah. Otherwise, we reckon she'd still be here because that was just yeah. And and it's genetics in our family as well. So yeah. Yeah. So I'll have to tell my girls, look, sorry. You can't have my stuff for quite a while. And both yeah. Both Tony's and my wheels because we were in our own individual places. I don't know whether we should change it because we've both got on our wheels. If if we were to go, it would be split between the two girls and the remaining spouse. So I don't know whether that's gonna make too much of a difference because at the end of the day, if one of us goes, one of us will be in the house until they go. So I don't see a great need to change anything. And I and I'm no. And I don't think the girls will come rushing it, the one that's left it and said, you gotta get out because we wanna sell it. So you gotta go and live in the the local shed because we're now gonna sell it and get the money from it. Yeah. Yeah. So I don't I don't think we'll touch those yet. We'll leave those. But in the meantime, yes, most definitely, we can put some away into that hidey hole one and leave me with some to work on each day and build my pension back up. Yeah. Okay. Yeah. And it wasn't as as I said, I totally forgot whether you said contact me ninety days after or we'll contact you ninety days after and I I just and, yeah, just moving and just getting busy. So I thought, good. I'm up here. I'll give you a call and find out what we do. Mhmm. Okay. Alright. So yeah. Obviously, with Centrelink, do they backdate it for when you do these changes? Or or no? It's just like, tough luck. You've missed out. You had that money in there. Yeah. No. I didn't think they would. Yeah. Okay. Alright. Well, I'm up here till about the June 24. If you need to see me at all. Yeah. So I'll just I'll have a list if you do need to see me or get any more signatures or do whatever what, you know, whatever we need to do. I'm here. Well, you could have. It's only a six hour drive. Obviously, I don't mind it. I don't mind driving. And I don't mind driving, and Cough Harbor's smack bang in the middle. Like, three hours yeah. Three hours are the direction of the leaving here, going to Cough at three hours, and then home, and the other way coming up. So and I just tell the girls at the gym. I said, look. It's really easy because pretty much and I hate stopping. So I normally stop around cost and have a toilet break, petrol fill up, and grab something to eat. Normally, I'll take something with me and just do it all in the one go. And you'll just stick the car in cruise control, and that's it. And I said it's really it's just like being in a video game. You're just steering. Yeah. Yeah. So, like like, distance driving doesn't bother me. All the stopping, I hate. So yeah. Yeah. Yeah. So yeah. That's that's that. So I'll sort of touch base now while I've while I'm here and since I spoke to Jenny. And she said, I've got appointment. I'm going in to see such and such. Yeah. I said, yes. I must ring while I'm up here. Not much. Mhmm. Okay. So what else? I think that was all we needed. What have I got? I can I'm sitting at the computer now. Come on. Hurry up. Okay. So currently, I've got 343 sitting in my account. 3 43. So don't throw too much away in case I need to grab it some. Oh, maybe 20. Just just as a backup. We have opened a joint account, Tony and I, so that we can use it for, you know, the the bills, like, your rates and your electricity and that sort of thing. Yep. So we'll we'll just contribute contribute an amount each into there, and and we'll pay our bills that way. Yeah. Yep. Yep. Sounds good. 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good. Thank you. Oh, okay. Well, yeah, I'm back up on the coast at the moment. And and Jenny had rung me to say, when are you coming up next?\n\nAnd I said, oh, I'm actually heading up there tomorrow. And she said, oh, I'm going to go to the financial adviser. Oh, yes. I must ring them when I get up there again. It's all good.\n\nYeah. But I just said to Jordan, I couldn't remember whether you weren't gonna get in touch with me or I was meant to get in touch with you and yep. So lots of things have been happening anyway. We've just got back from a holiday. So yeah.\n\nOkay. So I we purchased down in Foster in a in a sort of a suburb area called Smiths Lake. And so I've got now I also Tony went into the local office down there and put an address change in from up here. And because I was heading up here at the time, I thought, oh, I'll do that when I get up here. I've gone into the Robina office and said, I just need to change my address.\n\nAnd lo and behold, they had me booked in, and they wanted bank statements and proof of what, like, statements saying what I sold the house for, how much got deposited, how much we bought a house for. They wanted to know because it was a month in between selling one place and purchasing and settling on the next, where I had lived for that month. And it was, like, 20 questions or more than 20 questions. I said, my husband did this down in Foster. He just went in and said I need to change my address.\n\nAnd they said, how much do you have in the bank? And he told them. And they said, oh, you're fine. And did it for him. I said, I've come up here to do it, and I've been put through the ringer.\n\nUnbelievable. And I had no idea how much I had because I didn't say. I just said, I wanna change my address. And that's how it went. I had to go to the bank and get them to print statements off to take back the following week.\n\nAnd when they said, where did you live for that month? I said, and do you guys really give a shit? Do you actually care where I live? Oh, so, anyway, that happened, and my pension is now being dropped. So yeah.\n\nSo that's where we're at. And then when all that had happened, I was going to get back to you or you're gonna get back to me, and I just can't remember, to start working on those super accounts. I did. Mom had passed away right when I put the house on the market and oh god. Yeah.\n\nAnd then by like, we we did sell the house and then we found another one and they they needed time to look and so that's why there was a month difference between the settlements. Oh, yeah. So, yes, what do I do next? Yes. The new address is 5 Harcourt Crescent, as in the real estate spelling, Harcourt, and it is Smiths Lake.\n\nAnd that 22428 is the postcode down there. I'm actually up back up here for the next three weeks doing some pet sitting. Catching up with the kid the ladies from the gym. Yeah. Yeah.\n\nSo that's why Jenny rang me, and I said, I'm actually driving up tomorrow. She said, oh, good. Yeah. Yeah. So, of course, with all the moves and with agency and stand duty fees and all the rest of the money I have to pay out, I haven't got haven't got as much as what we had calculated because yes.\n\nYes. But I had about 350 sitting in my bank account. I've got a little bit less now. And so when I went to Centrelink Place in Ravenna, and I've done all their calculations and get someone else over to verify this, that, and the other. Oh, okay.\n\nSo and so I wanted to find out how much you're allowed to have in an account because I've put it down as like, I didn't mention anything that I've I'm purchasing with my hubby, like, that we're sharing. I didn't say a thing about that. And so they said, okay. So you're single. You're doing this.\n\nYou're doing that. Not yet. Yep. Yep. And how much have you got?\n\nAnd because I think at the time, it was a little over $3.50. Yeah. My pension has dropped down instead of level instead of what? 1,100 and whatever, $11.49 or whatever, I'm getting 800 and something. 3 So I'm still over slightly because I think I'm down to about $3.44 or something at the moment.\n\nBut yes. Goodbye goodbye part pension. Mhmm. Yes. Because we were gonna yeah.\n\nWe were gonna do three in one and two in the other or something. Yeah. Yep. Oh, just just living in expenses of of the government taking stamp duty and the the real estate's charging so much commission, etcetera, etcetera. It's just ridiculous.\n\nYep. But but because mom did pass away, well, my sister has been dealing with most of it down there because she lives down there and was letting them know her property will go on the market in the retirement village she lived in. So we will be getting something from that. I had no idea how much. It just all depends.\n\nAnd, you know, those places, they just take they go, oh, yeah. You buy in, but you never own the place. And and then you get a percentage back. So I do not have any idea until it all happens. Mhmm.\n\nMhmm. Because you were thinking of doing me two two super funds, weren't you? One one that it's sort of mhmm. Yes. That's right.\n\nYeah. The other one sort of like got well, like, high not hiding, but but putting away one. Yeah. And putting away one, but I can get at it if I need it. And then putting another one, which is more or less, like, from the banking industry, I'm just sort of thinking, yes, like a term deposit, and I would be getting interest on a top situation, and that would be going into my account.\n\nThat way, that would help me get back some of my pension. Yep. Okay. Yeah. Yep.\n\nOkay. Yeah. Yeah. As I said, I I do not know. It could be something like a couple $100, Could be a little bit more.\n\nCould be a little bit less. Just depends on, you know, how you get ripped off with retirement villages too. Eight to ten years. She was. Yeah.\n\nYeah. We should. Yes. Because what they do is you sort of hand the keys back in. They come in anytime someone either dies or leaves the place.\n\nThat whole apartment gets totally rerenovated. Ready for the that yeah. Ready for the next person to purchase. Whereas when mom bought it or my sister and brother-in-law were helping her, it was a private sale and so it hadn't been renovated when she bought it, but she just it was fine. It was lovely.\n\nAnd she turned what was like a I don't know, a computer sitting room area into a second bedroom. So it is classified as a two bedroom now because she did renovations and put a wardrobe in. But yeah. Technically, when she bought it, it was a one bedroom, one bathroom. But with this room big enough to have a double bed in there and put the wardrobe in there.\n\nPlus, she needed all that wardrobe space for her clothes. Of course. Yes. A lot it was terrible when my sister-in-law was down there just emptying it out and going through stuff and oh, yeah. Yeah.\n\nAll the stuff they collect. Oh, no. But all the stuff they collect. She was 96. Yeah.\n\nThat it only happened because she had a fall and and ended up in hospital with a brain bleed. Yeah. Otherwise, we reckon she'd still be here because that was just yeah. And and it's genetics in our family as well. So yeah.\n\nYeah. So I'll have to tell my girls, look, sorry. You can't have my stuff for quite a while. And both yeah. Both Tony's and my wheels because we were in our own individual places.\n\nI don't know whether we should change it because we've both got on our wheels. If if we were to go, it would be split between the two girls and the remaining spouse. So I don't know whether that's gonna make too much of a difference because at the end of the day, if one of us goes, one of us will be in the house until they go. So I don't see a great need to change anything. And I and I'm no.\n\nAnd I don't think the girls will come rushing it, the one that's left it and said, you gotta get out because we wanna sell it. So you gotta go and live in the the local shed because we're now gonna sell it and get the money from it. Yeah. Yeah. So I don't I don't think we'll touch those yet.\n\nWe'll leave those. But in the meantime, yes, most definitely, we can put some away into that hidey hole one and leave me with some to work on each day and build my pension back up. Yeah. Okay. Yeah.\n\nAnd it wasn't as as I said, I totally forgot whether you said contact me ninety days after or we'll contact you ninety days after and I I just and, yeah, just moving and just getting busy. So I thought, good. I'm up here. I'll give you a call and find out what we do. Mhmm.\n\nOkay. Alright. So yeah. Obviously, with Centrelink, do they backdate it for when you do these changes? Or or no?\n\nIt's just like, tough luck. You've missed out. You had that money in there. Yeah. No.\n\nI didn't think they would. Yeah. Okay. Alright. Well, I'm up here till about the June 24.\n\nIf you need to see me at all. Yeah. So I'll just I'll have a list if you do need to see me or get any more signatures or do whatever what, you know, whatever we need to do. I'm here. Well, you could have.\n\nIt's only a six hour drive. Obviously, I don't mind it. I don't mind driving. And I don't mind driving, and Cough Harbor's smack bang in the middle. Like, three hours yeah.\n\nThree hours are the direction of the leaving here, going to Cough at three hours, and then home, and the other way coming up. So and I just tell the girls at the gym. I said, look. It's really easy because pretty much and I hate stopping. So I normally stop around cost and have a toilet break, petrol fill up, and grab something to eat.\n\nNormally, I'll take something with me and just do it all in the one go. And you'll just stick the car in cruise control, and that's it. And I said it's really it's just like being in a video game. You're just steering. Yeah.\n\nYeah. So, like like, distance driving doesn't bother me. All the stopping, I hate. So yeah. Yeah.\n\nYeah. So yeah. That's that's that. So I'll sort of touch base now while I've while I'm here and since I spoke to Jenny. And she said, I've got appointment.\n\nI'm going in to see such and such. Yeah. I said, yes. I must ring while I'm up here. Not much.\n\nMhmm. Okay. So what else? I think that was all we needed. What have I got?\n\nI can I'm sitting at the computer now. Come on. Hurry up. Okay. So currently, I've got 343 sitting in my account.\n\n3 43. So don't throw too much away in case I need to grab it some. Oh, maybe 20. Just just as a backup. We have opened a joint account, Tony and I, so that we can use it for, you know, the the bills, like, your rates and your electricity and that sort of thing.\n\nYep. So we'll we'll just contribute contribute an amount each into there, and and we'll pay our bills that way. Yeah. Yep. Yep.\n\nSounds good. So, yes, I'll leave you to play around with it, and then you can let me know. If it's not today, it's fine. I'm I'm here anyway for, I've said, till the '20 fourth. Yeah.\n\nOkay. Sounds great. Okay. Thanks, Larissa. Okay.\n\nBye.","paragraphs":[{"sentences":[{"text":"I'm good.","start":4.72,"end":5.2799997,"sentiment":"positive","sentiment_score":0.6927684545516968},{"text":"Thank you.","start":5.2799997,"end":6.02,"sentiment":"positive","sentiment_score":0.8006919324398041},{"text":"Oh, okay.","start":12.4,"end":13.299999,"sentiment":"neutral","sentiment_score":0.08716241270303726},{"text":"Well, yeah, I'm back up on the coast at the moment.","start":13.36,"end":16.015,"sentiment":"neutral","sentiment_score":-0.03133921477604996},{"text":"And and Jenny had rung me to say, when are you coming up next?","start":16.555,"end":20.575,"sentiment":"neutral","sentiment_score":0.008206957219434636}],"sentiment":"neutral","sentiment_score":0.0945616657395036,"num_words":31,"start":4.72,"end":20.575},{"sentences":[{"text":"And I said, oh, I'm actually heading up there tomorrow.","start":21.115,"end":23.675,"sentiment":"neutral","sentiment_score":0.01959615424275398},{"text":"And she said, oh, I'm going to go to the financial adviser.","start":23.675,"end":26.555,"sentiment":"neutral","sentiment_score":0.004560180241242051},{"text":"Oh, yes.","start":26.555,"end":27.035,"sentiment":"neutral","sentiment_score":0.03388522192835808},{"text":"I must ring them when I get up there again.","start":27.035,"end":29.215,"sentiment":"neutral","sentiment_score":0.018689591251313687},{"text":"It's all good.","start":35.02,"end":36.0,"sentiment":"positive","sentiment_score":0.40243542194366455}],"sentiment":"neutral","sentiment_score":0.04628800885198084,"num_words":37,"start":21.115,"end":36.0},{"sentences":[{"text":"Yeah.","start":37.1,"end":37.42,"sentiment":"neutral","sentiment_score":0.10911686718463898},{"text":"But I just said to Jordan, I couldn't remember whether you weren't gonna get in touch with me or I was meant to get in touch with you and yep.","start":37.42,"end":44.535,"sentiment":"neutral","sentiment_score":-0.03468291405588388},{"text":"So lots of things have been happening anyway.","start":44.615,"end":46.715,"sentiment":"neutral","sentiment_score":0.0015761966351419692},{"text":"We've just got back from a holiday.","start":47.495,"end":49.515,"sentiment":"neutral","sentiment_score":0.07697356066533498},{"text":"So yeah.","start":49.895,"end":51.035,"sentiment":"neutral","sentiment_score":0.23259954154491425}],"sentiment":"neutral","sentiment_score":0.001776104715342323,"num_words":48,"start":37.1,"end":51.035},{"sentences":[{"text":"Okay.","start":58.614998,"end":59.114998,"sentiment":"neutral","sentiment_score":0.00513638649135828},{"text":"So I we purchased down in Foster in a in a sort of a suburb area called Smiths Lake.","start":59.460003,"end":68.04,"sentiment":"neutral","sentiment_score":0.015916879288852215},{"text":"And so I've got now I also Tony went into the local office down there and put an address change in from up here.","start":69.3,"end":81.935,"sentiment":"neutral","sentiment_score":0.02017015901704629},{"text":"And because I was heading up here at the time, I thought, oh, I'll do that when I get up here.","start":82.635,"end":87.9,"sentiment":"neutral","sentiment_score":-0.0076160078557829065},{"text":"I've gone into the Robina office and said, I just need to change my address.","start":88.060005,"end":94.16,"sentiment":"neutral","sentiment_score":-0.03554275017231703}],"sentiment":"neutral","sentiment_score":0.0012320436479058116,"num_words":80,"start":58.614998,"end":94.16},{"sentences":[{"text":"And lo and behold, they had me booked in, and they wanted bank statements and proof of what, like, statements saying what I sold the house for, how much got deposited, how much we bought a house for.","start":94.700005,"end":111.665,"sentiment":"neutral","sentiment_score":-0.02400956420521987},{"text":"They wanted to know because it was a month in between selling one place and purchasing and settling on the next, where I had lived for that month.","start":111.805,"end":122.130005,"sentiment":"neutral","sentiment_score":-0.02455584132777793},{"text":"And it was, like, 20 questions or more than 20 questions.","start":123.47,"end":128.91,"sentiment":"neutral","sentiment_score":-0.018881718882105568},{"text":"I said, my husband did this down in Foster.","start":128.91,"end":131.425,"sentiment":"neutral","sentiment_score":-0.02505438733432028},{"text":"He just went in and said I need to change my address.","start":131.425,"end":133.74501,"sentiment":"neutral","sentiment_score":-0.05661657219752669}],"sentiment":"neutral","sentiment_score":-0.027678716908760215,"num_words":98,"start":94.700005,"end":133.74501},{"sentences":[{"text":"And they said, how much do you have in the bank?","start":133.74501,"end":135.905,"sentiment":"neutral","sentiment_score":-0.02911949394778772},{"text":"And he told them.","start":135.905,"end":136.46501,"sentiment":"neutral","sentiment_score":-0.027948816306889057},{"text":"And they said, oh, you're fine.","start":136.46501,"end":137.845,"sentiment":"neutral","sentiment_score":0.20463618884483972},{"text":"And did it for him.","start":138.30501,"end":139.505,"sentiment":"neutral","sentiment_score":0.18375701308250428},{"text":"I said, I've come up here to do it, and I've been put through the ringer.","start":139.505,"end":142.77,"sentiment":"neutral","sentiment_score":-0.08257707487791777}],"sentiment":"neutral","sentiment_score":0.009363316709087008,"num_words":42,"start":133.74501,"end":142.77},{"sentences":[{"text":"Unbelievable.","start":145.33,"end":145.83,"sentiment":"neutral","sentiment_score":-0.2085081785917282},{"text":"And I had no idea how much I had because I didn't say.","start":147.41,"end":150.69,"sentiment":"neutral","sentiment_score":-0.21079522027419165},{"text":"I just said, I wanna change my address.","start":150.69,"end":152.63,"sentiment":"neutral","sentiment_score":-0.12993016000837088},{"text":"And that's how it went.","start":153.73001,"end":155.25,"sentiment":"neutral","sentiment_score":-0.05317566767334938},{"text":"I had to go to the bank and get them to print statements off to take back the following week.","start":155.25,"end":161.89499,"sentiment":"neutral","sentiment_score":-0.08262363318353891}],"sentiment":"neutral","sentiment_score":-0.12567315583533428,"num_words":47,"start":145.33,"end":161.89499},{"sentences":[{"text":"And when they said, where did you live for that month?","start":162.355,"end":164.515,"sentiment":"neutral","sentiment_score":-0.13586074520241131},{"text":"I said, and do you guys really give a shit?","start":164.515,"end":167.09499,"sentiment":"negative","sentiment_score":-0.4127127155661583},{"text":"Do you actually care where I live?","start":168.19499,"end":170.375,"sentiment":"neutral","sentiment_score":-0.20070656282561167},{"text":"Oh, so, anyway, that happened, and my pension is now being dropped.","start":171.555,"end":177.84999,"sentiment":"neutral","sentiment_score":-0.18091096977392832},{"text":"So yeah.","start":180.47,"end":181.53,"sentiment":"neutral","sentiment_score":-0.10824177041649818}],"sentiment":"neutral","sentiment_score":-0.22414182073303632,"num_words":42,"start":162.355,"end":181.53},{"sentences":[{"text":"So that's where we're at.","start":184.15,"end":185.76999,"sentiment":"neutral","sentiment_score":-0.08362430036067962},{"text":"And then when all that had happened, I was going to get back to you or you're gonna get back to me, and I just can't remember, to start working on those super accounts.","start":186.15,"end":197.535,"sentiment":"neutral","sentiment_score":-0.08358418169047903},{"text":"I did.","start":202.03,"end":202.59,"sentiment":"neutral","sentiment_score":-0.15514855086803436},{"text":"Mom had passed away right when I put the house on the market and oh god.","start":202.59,"end":207.62999,"sentiment":"neutral","sentiment_score":-0.25839086901396513},{"text":"Yeah.","start":207.62999,"end":208.12999,"sentiment":"neutral","sentiment_score":-0.1204165667295456}],"sentiment":"neutral","sentiment_score":-0.1349129526201507,"num_words":58,"start":184.15,"end":208.12999},{"sentences":[{"text":"And then by like, we we did sell the house and then we found another one and they they needed time to look and so that's why there was a month difference between the settlements.","start":208.19,"end":219.055,"sentiment":"neutral","sentiment_score":-0.11343996152281761},{"text":"Oh, yeah.","start":224.795,"end":225.775,"sentiment":"neutral","sentiment_score":-0.0344126932322979},{"text":"So, yes, what do I do next?","start":226.95499,"end":229.215,"sentiment":"neutral","sentiment_score":-0.0188483398939882},{"text":"Yes.","start":242.36,"end":242.86,"sentiment":"neutral","sentiment_score":0.00889335572719574},{"text":"The new address is 5 Harcourt Crescent, as in the real estate spelling, Harcourt, and it is Smiths Lake.","start":244.145,"end":257.81,"sentiment":"neutral","sentiment_score":0.009545719912765841}],"sentiment":"neutral","sentiment_score":-0.06220156851486536,"num_words":64,"start":208.19,"end":257.81},{"sentences":[{"text":"And that 22428 is the postcode down there.","start":260.50998,"end":264.21,"sentiment":"neutral","sentiment_score":0.06928210146725178},{"text":"I'm actually up back up here for the next three weeks doing some pet sitting.","start":266.50998,"end":271.395,"sentiment":"neutral","sentiment_score":0.20682289699713388},{"text":"Catching up with the kid the ladies from the gym.","start":276.895,"end":279.715,"sentiment":"positive","sentiment_score":0.3765277981758118},{"text":"Yeah.","start":280.895,"end":281.395,"sentiment":"neutral","sentiment_score":0.33084172010421753},{"text":"Yeah.","start":282.255,"end":282.755,"sentiment":"neutral","sentiment_score":0.07073581218719482}],"sentiment":"neutral","sentiment_score":0.22352730802127294,"num_words":35,"start":260.50998,"end":282.755},{"sentences":[{"text":"So that's why Jenny rang me, and I said, I'm actually driving up tomorrow.","start":283.18,"end":286.69998,"sentiment":"neutral","sentiment_score":0.12863809136407717},{"text":"She said, oh, good.","start":286.69998,"end":287.84,"sentiment":"neutral","sentiment_score":0.30540189146995544},{"text":"Yeah.","start":290.22,"end":290.72,"sentiment":"positive","sentiment_score":0.6007076501846313},{"text":"Yeah.","start":292.46,"end":292.96,"sentiment":"neutral","sentiment_score":0.25735989212989807},{"text":"So, of course, with all the moves and with agency and stand duty fees and all the rest of the money I have to pay out, I haven't got haven't got as much as what we had calculated because yes.","start":294.62,"end":311.62,"sentiment":"neutral","sentiment_score":0.015460451529361308}],"sentiment":"neutral","sentiment_score":0.07498377414109807,"num_words":60,"start":283.18,"end":311.62},{"sentences":[{"text":"Yes.","start":313.04,"end":313.54,"sentiment":"neutral","sentiment_score":0.05287748575210571},{"text":"But I had about 350 sitting in my bank account.","start":313.92,"end":320.56,"sentiment":"neutral","sentiment_score":-0.07213382739573718},{"text":"I've got a little bit less now.","start":320.56,"end":322.18,"sentiment":"neutral","sentiment_score":-0.10818924222673688},{"text":"And so when I went to Centrelink Place in Ravenna, and I've done all their calculations and get someone else over to verify this, that, and the other.","start":323.705,"end":334.56,"sentiment":"neutral","sentiment_score":-0.020032019254618456},{"text":"Oh, okay.","start":336.32,"end":336.96,"sentiment":"neutral","sentiment_score":0.028962290845811367}],"sentiment":"neutral","sentiment_score":-0.04018244669229413,"num_words":48,"start":313.04,"end":336.96},{"sentences":[{"text":"So and so I wanted to find out how much you're allowed to have in an account because I've put it down as like, I didn't mention anything that I've I'm purchasing with my hubby, like, that we're sharing.","start":336.96,"end":354.73502,"sentiment":"neutral","sentiment_score":0.016271588335840557},{"text":"I didn't say a thing about that.","start":355.035,"end":357.135,"sentiment":"neutral","sentiment_score":-0.03987229961369719},{"text":"And so they said, okay.","start":357.835,"end":360.075,"sentiment":"neutral","sentiment_score":-0.011580000072717667},{"text":"So you're single.","start":360.075,"end":361.035,"sentiment":"neutral","sentiment_score":-0.0043237945064902306},{"text":"You're doing this.","start":361.035,"end":361.835,"sentiment":"neutral","sentiment_score":0.003059228261311849}],"sentiment":"neutral","sentiment_score":0.005154248222855753,"num_words":57,"start":336.96,"end":361.835},{"sentences":[{"text":"You're doing that.","start":361.835,"end":362.555,"sentiment":"neutral","sentiment_score":-0.02608056948520243},{"text":"Not yet.","start":362.555,"end":363.035,"sentiment":"neutral","sentiment_score":-0.06103312224149704},{"text":"Yep.","start":363.035,"end":363.275,"sentiment":"neutral","sentiment_score":0.016820460557937622},{"text":"Yep.","start":363.275,"end":363.775,"sentiment":"neutral","sentiment_score":0.025040512904524803},{"text":"And how much have you got?","start":364.66998,"end":366.21,"sentiment":"neutral","sentiment_score":0.01718756789341569}],"sentiment":"neutral","sentiment_score":-0.004255505547357293,"num_words":13,"start":361.835,"end":366.21},{"sentences":[{"text":"And because I think at the time, it was a little over $3.50.","start":366.83,"end":370.93,"sentiment":"neutral","sentiment_score":-0.018608336838392112},{"text":"Yeah.","start":371.31,"end":371.79,"sentiment":"neutral","sentiment_score":-0.01449972577393055},{"text":"My pension has dropped down instead of level instead of what?","start":371.79,"end":375.63,"sentiment":"neutral","sentiment_score":-0.10351130603389307},{"text":"1,100 and whatever, $11.49 or whatever, I'm getting 800 and something.","start":375.63,"end":379.545,"sentiment":"neutral","sentiment_score":-0.022388893094929783},{"text":"3 So I'm still over slightly because I think I'm down to about $3.44 or something at the moment.","start":391.545,"end":398.82,"sentiment":"neutral","sentiment_score":-0.12549008958433805}],"sentiment":"neutral","sentiment_score":-0.07319312722168185,"num_words":55,"start":366.83,"end":398.82},{"sentences":[{"text":"But yes.","start":401.6,"end":402.34,"sentiment":"neutral","sentiment_score":0.03060203045606613},{"text":"Goodbye goodbye part pension.","start":402.56,"end":405.06,"sentiment":"neutral","sentiment_score":-0.004912079311907291},{"text":"Mhmm.","start":421.95,"end":422.45,"sentiment":"neutral","sentiment_score":-0.053736310452222824},{"text":"Yes.","start":441.645,"end":442.04498,"sentiment":"neutral","sentiment_score":0.11577679961919785},{"text":"Because we were gonna yeah.","start":442.04498,"end":443.565,"sentiment":"neutral","sentiment_score":0.039889708161354065}],"sentiment":"neutral","sentiment_score":0.023311136433711417,"num_words":13,"start":401.6,"end":443.565},{"sentences":[{"text":"We were gonna do three in one and two in the other or something.","start":443.565,"end":448.04,"sentiment":"neutral","sentiment_score":0.047518166713416576},{"text":"Yeah.","start":449.62,"end":450.12,"sentiment":"neutral","sentiment_score":0.08055879175662994},{"text":"Yep.","start":451.06,"end":451.56,"sentiment":"neutral","sentiment_score":0.10381637513637544},{"text":"Oh, just just living in expenses of of the government taking stamp duty and the the real estate's charging so much commission, etcetera, etcetera.","start":453.94,"end":463.05502,"sentiment":"neutral","sentiment_score":0.0008578784763813019},{"text":"It's just ridiculous.","start":463.11502,"end":464.095,"sentiment":"negative","sentiment_score":-0.3492220938205719}],"sentiment":"neutral","sentiment_score":-0.004126690631342488,"num_words":43,"start":443.565,"end":464.095},{"sentences":[{"text":"Yep.","start":467.035,"end":467.535,"sentiment":"neutral","sentiment_score":-0.16207367181777954},{"text":"But but because mom did pass away, well, my sister has been dealing with most of it down there because she lives down there and was letting them know her property will go on the market in the retirement village she lived in.","start":467.755,"end":483.40997,"sentiment":"neutral","sentiment_score":-0.04225096245144689},{"text":"So we will be getting something from that.","start":483.40997,"end":485.655,"sentiment":"neutral","sentiment_score":0.16848889645189047},{"text":"I had no idea how much.","start":487.895,"end":489.335,"sentiment":"neutral","sentiment_score":-0.15237918371955553},{"text":"It just all depends.","start":489.335,"end":490.635,"sentiment":"neutral","sentiment_score":-0.1279626414179802}],"sentiment":"neutral","sentiment_score":-0.0331787024774859,"num_words":62,"start":467.035,"end":490.635},{"sentences":[{"text":"And, you know, those places, they just take they go, oh, yeah.","start":490.935,"end":495.895,"sentiment":"neutral","sentiment_score":-0.09408929664641619},{"text":"You buy in, but you never own the place.","start":495.895,"end":498.075,"sentiment":"neutral","sentiment_score":-0.11962312708298366},{"text":"And and then you get a percentage back.","start":499.92,"end":502.08002,"sentiment":"neutral","sentiment_score":-0.04401723574846983},{"text":"So I do not have any idea until it all happens.","start":502.08002,"end":506.5,"sentiment":"neutral","sentiment_score":-0.10104654119773344},{"text":"Mhmm.","start":516.495,"end":516.995,"sentiment":"neutral","sentiment_score":0.0028170431032776833}],"sentiment":"neutral","sentiment_score":-0.08942713413569259,"num_words":41,"start":490.935,"end":516.995},{"sentences":[{"text":"Mhmm.","start":523.055,"end":523.555,"sentiment":"neutral","sentiment_score":0.06713330745697021},{"text":"Because you were thinking of doing me two two super funds, weren't you?","start":530.71,"end":534.97003,"sentiment":"neutral","sentiment_score":-0.04651603854906101},{"text":"One one that it's sort of mhmm.","start":535.51,"end":548.655,"sentiment":"neutral","sentiment_score":0.017261811665126255},{"text":"Yes.","start":548.655,"end":549.055,"sentiment":"neutral","sentiment_score":0.11389721930027008},{"text":"That's right.","start":549.055,"end":549.53503,"sentiment":"neutral","sentiment_score":0.1692357286810875}],"sentiment":"neutral","sentiment_score":0.0014844235265627503,"num_words":24,"start":523.055,"end":549.53503},{"sentences":[{"text":"Yeah.","start":549.53503,"end":549.775,"sentiment":"neutral","sentiment_score":0.09575225412845612},{"text":"The other one sort of like got well, like, high not hiding, but but putting away one.","start":549.775,"end":555.27,"sentiment":"neutral","sentiment_score":0.026398768319803124},{"text":"Yeah.","start":555.89,"end":556.29,"sentiment":"neutral","sentiment_score":0.037214700132608414},{"text":"And putting away one, but I can get at it if I need it.","start":556.29,"end":560.63,"sentiment":"neutral","sentiment_score":0.028940931760839055},{"text":"And then putting another one, which is more or less, like, from the banking industry, I'm just sort of thinking, yes, like a term deposit, and I would be getting interest on a top situation, and that would be going into my account.","start":561.09,"end":573.855,"sentiment":"neutral","sentiment_score":0.05077743833494741}],"sentiment":"neutral","sentiment_score":0.041715117220423724,"num_words":76,"start":549.53503,"end":573.855},{"sentences":[{"text":"That way, that would help me get back some of my 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know.","start":590.63,"end":592.31,"sentiment":"neutral","sentiment_score":-0.023296188097447157},{"text":"It could be something like a couple $100, Could be a little bit more.","start":592.31,"end":596.275,"sentiment":"neutral","sentiment_score":-0.04198340672467436}],"sentiment":"neutral","sentiment_score":-0.02737552225589752,"num_words":25,"start":587.83,"end":596.275},{"sentences":[{"text":"Could be a little bit less.","start":596.275,"end":597.47504,"sentiment":"neutral","sentiment_score":-0.0825065802782774},{"text":"Just depends on, you know, how you get ripped off with retirement villages too.","start":597.47504,"end":602.215,"sentiment":"neutral","sentiment_score":-0.16212590943489755},{"text":"Eight to ten years.","start":609.83,"end":611.05005,"sentiment":"neutral","sentiment_score":-0.015682764584198594},{"text":"She 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place.","start":628.71497,"end":632.575,"sentiment":"neutral","sentiment_score":0.0506820348514752}],"sentiment":"neutral","sentiment_score":0.08743647346273065,"num_words":28,"start":615.35004,"end":632.575},{"sentences":[{"text":"That whole apartment gets totally rerenovated.","start":633.195,"end":635.44995,"sentiment":"neutral","sentiment_score":0.09318654611706734},{"text":"Ready for the that yeah.","start":636.94995,"end":639.58997,"sentiment":"neutral","sentiment_score":0.08887373507022858},{"text":"Ready for the next person to purchase.","start":639.58997,"end":641.76996,"sentiment":"neutral","sentiment_score":0.11801966173308236},{"text":"Whereas when mom bought it or my sister and brother-in-law were helping her, it was a private sale and so it hadn't been renovated when she bought it, but she just it was fine.","start":641.91,"end":654.505,"sentiment":"neutral","sentiment_score":0.11257295299540548},{"text":"It was lovely.","start":654.505,"end":655.32495,"sentiment":"positive","sentiment_score":0.719215989112854}],"sentiment":"neutral","sentiment_score":0.1420864355157722,"num_words":55,"start":633.195,"end":655.32495},{"sentences":[{"text":"And she turned what was like a I don't know, a computer sitting room area into a second bedroom.","start":655.38495,"end":663.56,"sentiment":"neutral","sentiment_score":0.12829346092123733},{"text":"So it is classified as a two bedroom now because she did renovations and put a wardrobe in.","start":663.56,"end":670.69995,"sentiment":"neutral","sentiment_score":0.10352717629737324},{"text":"But yeah.","start":672.68,"end":674.19995,"sentiment":"neutral","sentiment_score":0.1891406998038292},{"text":"Technically, when she bought it, it was a one bedroom, one bathroom.","start":674.19995,"end":677.98,"sentiment":"neutral","sentiment_score":0.0910815295452873},{"text":"But with this room big enough to have a double bed in there and put the wardrobe in there.","start":679.055,"end":685.455,"sentiment":"neutral","sentiment_score":0.19071717207369052}],"sentiment":"neutral","sentiment_score":0.13422787077724935,"num_words":70,"start":655.38495,"end":685.455},{"sentences":[{"text":"Plus, she needed all that wardrobe space for her clothes.","start":685.455,"end":688.195,"sentiment":"neutral","sentiment_score":0.12666996233165265},{"text":"Of course.","start":689.935,"end":690.575,"sentiment":"neutral","sentiment_score":0.01099675428122282},{"text":"Yes.","start":690.575,"end":691.075,"sentiment":"neutral","sentiment_score":-0.024592429399490356},{"text":"A lot it was terrible when my sister-in-law was down there just emptying it out and going through stuff and oh, yeah.","start":691.32,"end":697.82,"sentiment":"negative","sentiment_score":-0.4519229111346332},{"text":"Yeah.","start":700.36005,"end":700.68,"sentiment":"neutral","sentiment_score":-0.15447178483009338}],"sentiment":"neutral","sentiment_score":-0.24535208686979282,"num_words":36,"start":685.455,"end":700.68},{"sentences":[{"text":"All the stuff they collect.","start":700.68,"end":702.22003,"sentiment":"neutral","sentiment_score":-0.08695847690105438},{"text":"Oh, no.","start":702.36005,"end":702.76,"sentiment":"neutral","sentiment_score":-0.0868479385972023},{"text":"But all the stuff they collect.","start":702.76,"end":704.04004,"sentiment":"neutral","sentiment_score":-0.06019482264916102},{"text":"She was 96.","start":704.04004,"end":705.045,"sentiment":"neutral","sentiment_score":-0.09591145068407059},{"text":"Yeah.","start":708.885,"end":709.385,"sentiment":"neutral","sentiment_score":0.1536250114440918}],"sentiment":"neutral","sentiment_score":-0.06492744342369192,"num_words":17,"start":700.68,"end":709.385},{"sentences":[{"text":"That it only happened because she had a fall and and ended up in hospital with a brain bleed.","start":709.845,"end":714.565,"sentiment":"neutral","sentiment_score":-0.09230753171600793},{"text":"Yeah.","start":714.565,"end":715.065,"sentiment":"neutral","sentiment_score":-0.04025176167488098},{"text":"Otherwise, we reckon she'd still be here because that was just yeah.","start":716.08496,"end":722.53,"sentiment":"neutral","sentiment_score":-0.021736254294713337},{"text":"And and it's genetics in our family as well.","start":722.53,"end":726.07,"sentiment":"neutral","sentiment_score":-0.03215007483959198},{"text":"So yeah.","start":727.33,"end":729.91003,"sentiment":"neutral","sentiment_score":0.024491971358656883}],"sentiment":"neutral","sentiment_score":-0.05337899178266525,"num_words":43,"start":709.845,"end":729.91003},{"sentences":[{"text":"Yeah.","start":730.21,"end":730.71,"sentiment":"neutral","sentiment_score":-0.0012147966772317886},{"text":"So I'll have to tell my girls, look, sorry.","start":730.93,"end":733.17004,"sentiment":"neutral","sentiment_score":-0.10067545953724119},{"text":"You can't have my stuff for quite a while.","start":733.17004,"end":736.265,"sentiment":"neutral","sentiment_score":-0.2411491639084286},{"text":"And both yeah.","start":736.965,"end":738.905,"sentiment":"neutral","sentiment_score":-0.07084384684761365},{"text":"Both Tony's and my wheels because we were in our own individual places.","start":738.965,"end":743.705,"sentiment":"neutral","sentiment_score":-0.10159618694048661}],"sentiment":"neutral","sentiment_score":-0.13174052509878362,"num_words":35,"start":730.21,"end":743.705},{"sentences":[{"text":"I don't know whether we should change it because we've both got on our wheels.","start":743.925,"end":747.705,"sentiment":"neutral","sentiment_score":-0.25307266811529794},{"text":"If if we were to go, it would be split between the two girls and the remaining spouse.","start":748.13,"end":755.99,"sentiment":"neutral","sentiment_score":-0.14816957712173462},{"text":"So I don't know whether that's gonna make too much of a difference because at the end of the day, if one of us goes, one of us will be in the house until they go.","start":757.81,"end":768.885,"sentiment":"neutral","sentiment_score":-0.19610657853384814},{"text":"So I don't see a great need to change anything.","start":769.265,"end":773.125,"sentiment":"negative","sentiment_score":-0.36170036643743514},{"text":"And I and I'm no.","start":773.745,"end":775.79736,"sentiment":"neutral","sentiment_score":-0.32716289162635803}],"sentiment":"neutral","sentiment_score":-0.2235213971386353,"num_words":84,"start":743.925,"end":775.79736},{"sentences":[{"text":"And I don't think the girls will come rushing it, the one that's left it and said, you gotta get out because we wanna sell it.","start":775.79736,"end":782.7949,"sentiment":"negative","sentiment_score":-0.398955300450325},{"text":"So you gotta go and live in the the local shed because we're now gonna sell it and get the money from it.","start":782.7949,"end":788.985,"sentiment":"neutral","sentiment_score":-0.26925687621469085},{"text":"Yeah.","start":794.745,"end":795.245,"sentiment":"neutral","sentiment_score":0.29062652587890625},{"text":"Yeah.","start":795.545,"end":795.945,"sentiment":"neutral","sentiment_score":0.14161282777786255},{"text":"So I don't I don't think we'll touch those yet.","start":795.945,"end":798.505,"sentiment":"neutral","sentiment_score":-0.12121976017951966}],"sentiment":"neutral","sentiment_score":-0.28435580676696337,"num_words":61,"start":775.79736,"end":798.505},{"sentences":[{"text":"We'll leave those.","start":798.505,"end":799.485,"sentiment":"neutral","sentiment_score":-0.10890057434638341},{"text":"But in the meantime, yes, most definitely, we can put some away into that hidey hole one and leave me with some to work on each day and build my pension back up.","start":799.785,"end":819.005,"sentiment":"neutral","sentiment_score":0.13710554181174797},{"text":"Yeah.","start":836.36005,"end":836.68005,"sentiment":"neutral","sentiment_score":0.04106603562831879},{"text":"Okay.","start":836.68005,"end":837.08,"sentiment":"neutral","sentiment_score":0.038556069135665894},{"text":"Yeah.","start":837.08,"end":837.4,"sentiment":"neutral","sentiment_score":0.026596644893288612}],"sentiment":"neutral","sentiment_score":0.11035897195912324,"num_words":39,"start":798.505,"end":837.4},{"sentences":[{"text":"And it wasn't as as I said, I totally forgot whether you said contact me ninety days after or we'll contact you ninety days after and I I just and, yeah, just moving and just getting busy.","start":837.4,"end":848.585,"sentiment":"neutral","sentiment_score":-0.06522357962220102},{"text":"So I thought, good.","start":848.585,"end":849.465,"sentiment":"neutral","sentiment_score":0.2572036013007164},{"text":"I'm up here.","start":849.465,"end":850.025,"sentiment":"neutral","sentiment_score":0.25308817128340405},{"text":"I'll give you a call and find out what we do.","start":850.025,"end":853.725,"sentiment":"neutral","sentiment_score":0.11436379565434023},{"text":"Mhmm.","start":877.225,"end":877.725,"sentiment":"neutral","sentiment_score":0.03573603928089142}],"sentiment":"neutral","sentiment_score":0.011938290437683463,"num_words":56,"start":837.4,"end":877.725},{"sentences":[{"text":"Okay.","start":909.83,"end":910.33,"sentiment":"neutral","sentiment_score":0.06136390566825867},{"text":"Alright.","start":912.07,"end":912.57,"sentiment":"neutral","sentiment_score":0.058919187635183334},{"text":"So yeah.","start":913.11005,"end":915.955,"sentiment":"neutral","sentiment_score":0.014994894154369831},{"text":"Obviously, with Centrelink, do they backdate it for when you do these changes?","start":915.955,"end":921.975,"sentiment":"neutral","sentiment_score":-0.009793161808584746},{"text":"Or or no?","start":922.995,"end":923.715,"sentiment":"neutral","sentiment_score":-0.05495116983850797}],"sentiment":"neutral","sentiment_score":-0.007094586570747197,"num_words":20,"start":909.83,"end":923.715},{"sentences":[{"text":"It's just like, tough luck.","start":923.715,"end":925.075,"sentiment":"negative","sentiment_score":-0.4366039872169495},{"text":"You've missed out.","start":925.075,"end":926.01,"sentiment":"negative","sentiment_score":-0.3966812988122304},{"text":"You had that money in there.","start":926.09,"end":927.71,"sentiment":"neutral","sentiment_score":-0.11344344293077786},{"text":"Yeah.","start":931.53,"end":931.85004,"sentiment":"neutral","sentiment_score":-0.02250172197818756},{"text":"No.","start":931.85004,"end":932.09,"sentiment":"neutral","sentiment_score":-0.1374521702528}],"sentiment":"neutral","sentiment_score":-0.26335489889606833,"num_words":16,"start":923.715,"end":932.09},{"sentences":[{"text":"I didn't think they 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any more signatures or do whatever what, you know, whatever we need to do.","start":946.185,"end":954.81,"sentiment":"neutral","sentiment_score":0.12319988558689753},{"text":"I'm here.","start":954.81,"end":955.55,"sentiment":"neutral","sentiment_score":0.06844222545623779},{"text":"Well, you could have.","start":959.85004,"end":961.07,"sentiment":"neutral","sentiment_score":0.03502538800239563}],"sentiment":"neutral","sentiment_score":0.15222991208235423,"num_words":45,"start":942.985,"end":961.07},{"sentences":[{"text":"It's only a six hour drive.","start":961.53,"end":963.23004,"sentiment":"neutral","sentiment_score":0.10313457623124123},{"text":"Obviously, I don't mind it.","start":966.09,"end":967.53,"sentiment":"neutral","sentiment_score":0.05201788581907749},{"text":"I don't mind driving.","start":967.53,"end":968.67004,"sentiment":"neutral","sentiment_score":0.0063563925214111805},{"text":"And I don't mind driving, and Cough Harbor's smack bang in the middle.","start":971.385,"end":975.005,"sentiment":"neutral","sentiment_score":0.02946262935606333},{"text":"Like, three hours yeah.","start":975.46497,"end":978.345,"sentiment":"neutral","sentiment_score":0.02466423762962222}],"sentiment":"neutral","sentiment_score":0.04331229964736849,"num_words":32,"start":961.53,"end":978.345},{"sentences":[{"text":"Three hours are the direction of the leaving here, going to Cough at three hours, and then home, and the other way coming up.","start":978.345,"end":985.8,"sentiment":"neutral","sentiment_score":0.04193625606906911},{"text":"So and I just tell the girls at the gym.","start":985.8,"end":989.88,"sentiment":"neutral","sentiment_score":0.12782550230622292},{"text":"I said, look.","start":989.88,"end":990.44,"sentiment":"neutral","sentiment_score":0.13667574524879456},{"text":"It's really easy because pretty much and I hate stopping.","start":990.44,"end":993.57996,"sentiment":"neutral","sentiment_score":0.2086451455950737},{"text":"So I normally stop around cost and have a toilet break, petrol fill up, and grab something to eat.","start":993.88,"end":1000.335,"sentiment":"neutral","sentiment_score":0.14463996416644045}],"sentiment":"neutral","sentiment_score":0.11408126029665723,"num_words":66,"start":978.345,"end":1000.335},{"sentences":[{"text":"Normally, I'll take something with me and just do it all in the one go.","start":1000.495,"end":1004.11505,"sentiment":"neutral","sentiment_score":0.1890207350254059},{"text":"And you'll just stick the car in cruise control, and that's it.","start":1005.215,"end":1008.67505,"sentiment":"neutral","sentiment_score":0.14097808115184307},{"text":"And I said it's really it's just like being in a video game.","start":1010.41504,"end":1013.455,"sentiment":"neutral","sentiment_score":0.20908428384707525},{"text":"You're just steering.","start":1013.455,"end":1014.67505,"sentiment":"neutral","sentiment_score":0.2521594663461049},{"text":"Yeah.","start":1018.85,"end":1019.17,"sentiment":"neutral","sentiment_score":0.17204515635967255}],"sentiment":"neutral","sentiment_score":0.18576516465029932,"num_words":44,"start":1000.495,"end":1019.17},{"sentences":[{"text":"Yeah.","start":1019.17,"end":1019.64996,"sentiment":"neutral","sentiment_score":0.1160685494542122},{"text":"So, like like, distance driving doesn't bother me.","start":1019.64996,"end":1023.41,"sentiment":"neutral","sentiment_score":0.05978590855374932},{"text":"All the stopping, I hate.","start":1023.41,"end":1025.03,"sentiment":"neutral","sentiment_score":-0.10069670863449573},{"text":"So yeah.","start":1025.49,"end":1026.3099,"sentiment":"neutral","sentiment_score":-0.049295851960778236},{"text":"Yeah.","start":1026.53,"end":1027.03,"sentiment":"neutral","sentiment_score":0.005846136715263128}],"sentiment":"neutral","sentiment_score":-0.00011019367615089697,"num_words":17,"start":1019.17,"end":1027.03},{"sentences":[{"text":"Yeah.","start":1030.1749,"end":1030.6749,"sentiment":"neutral","sentiment_score":-0.28631502389907837},{"text":"So yeah.","start":1032.495,"end":1033.215,"sentiment":"neutral","sentiment_score":-0.19293555617332458},{"text":"That's that's that.","start":1033.215,"end":1034.335,"sentiment":"neutral","sentiment_score":-0.14963803191979727},{"text":"So I'll sort of touch base now while I've while I'm here and since I spoke to Jenny.","start":1034.335,"end":1040.6699,"sentiment":"neutral","sentiment_score":-0.03625661879777908},{"text":"And she said, I've got appointment.","start":1040.6699,"end":1041.7899,"sentiment":"neutral","sentiment_score":-0.056478614608446755}],"sentiment":"neutral","sentiment_score":-0.07041970193386078,"num_words":30,"start":1030.1749,"end":1041.7899},{"sentences":[{"text":"I'm going in to see such and such.","start":1041.7899,"end":1043.6499,"sentiment":"neutral","sentiment_score":-0.08445152500644326},{"text":"Yeah.","start":1044.59,"end":1044.83,"sentiment":"neutral","sentiment_score":-0.026582106947898865},{"text":"I said, yes.","start":1044.83,"end":1045.3099,"sentiment":"neutral","sentiment_score":-0.016433763938645523},{"text":"I must ring while I'm up here.","start":1045.3099,"end":1047.0099,"sentiment":"neutral","sentiment_score":-0.05851919363651957},{"text":"Not much.","start":1052.705,"end":1053.365,"sentiment":"neutral","sentiment_score":-0.1215234212577343}],"sentiment":"neutral","sentiment_score":-0.06686556175173748,"num_words":21,"start":1041.7899,"end":1053.365},{"sentences":[{"text":"Mhmm.","start":1061.425,"end":1061.925,"sentiment":"neutral","sentiment_score":0.05324344336986542},{"text":"Okay.","start":1074.74,"end":1075.24,"sentiment":"neutral","sentiment_score":0.06080589070916176},{"text":"So what else?","start":1076.02,"end":1077.22,"sentiment":"neutral","sentiment_score":0.042518106599648796},{"text":"I think that was all we needed.","start":1077.22,"end":1078.725,"sentiment":"neutral","sentiment_score":0.06327837545956884},{"text":"What have I got?","start":1081.125,"end":1081.9249,"sentiment":"neutral","sentiment_score":0.024267852772027254}],"sentiment":"neutral","sentiment_score":0.04885148082394153,"num_words":16,"start":1061.425,"end":1081.9249},{"sentences":[{"text":"I can I'm sitting at the computer now.","start":1081.9249,"end":1084.105,"sentiment":"neutral","sentiment_score":-0.005227350862696767},{"text":"Come on.","start":1092.245,"end":1092.725,"sentiment":"neutral","sentiment_score":-0.026672630570828915},{"text":"Hurry up.","start":1092.725,"end":1093.38,"sentiment":"neutral","sentiment_score":-0.03221128694713116},{"text":"Okay.","start":1095.9401,"end":1096.42,"sentiment":"neutral","sentiment_score":0.011817828752100468},{"text":"So currently, I've got 343 sitting in my account.","start":1096.42,"end":1101.72,"sentiment":"neutral","sentiment_score":0.0020660749740070766}],"sentiment":"neutral","sentiment_score":-0.005871551746333187,"num_words":22,"start":1081.9249,"end":1101.72},{"sentences":[{"text":"3 43.","start":1104.26,"end":1105.14,"sentiment":"neutral","sentiment_score":-0.009399931877851486},{"text":"So don't throw too much away in case I need to grab it some.","start":1105.14,"end":1115.535,"sentiment":"neutral","sentiment_score":-0.14047313667833805},{"text":"Oh, maybe 20.","start":1115.915,"end":1117.055,"sentiment":"neutral","sentiment_score":0.032054282103975616},{"text":"Just just as a backup.","start":1118.635,"end":1119.935,"sentiment":"neutral","sentiment_score":0.14528180062770843},{"text":"We have opened a joint account, Tony and I, so that we can use it for, you know, the the bills, like, your rates and your electricity and that sort of thing.","start":1120.25,"end":1130.25,"sentiment":"neutral","sentiment_score":0.1041496490361169}],"sentiment":"neutral","sentiment_score":0.03874887216703168,"num_words":56,"start":1104.26,"end":1130.25},{"sentences":[{"text":"Yep.","start":1130.25,"end":1130.75,"sentiment":"neutral","sentiment_score":0.11740726232528688},{"text":"So we'll we'll just contribute contribute an amount each into there, and and we'll pay our bills that way.","start":1131.8501,"end":1138.325,"sentiment":"neutral","sentiment_score":0.15115348014392352},{"text":"Yeah.","start":1141.665,"end":1142.165,"sentiment":"neutral","sentiment_score":0.15607000887393951},{"text":"Yep.","start":1150.87,"end":1151.37,"sentiment":"neutral","sentiment_score":0.13665008544921875},{"text":"Yep.","start":1152.55,"end":1153.05,"sentiment":"neutral","sentiment_score":0.17388419806957245}],"sentiment":"neutral","sentiment_score":0.15025772510663324,"num_words":23,"start":1130.25,"end":1153.05},{"sentences":[{"text":"Sounds good.","start":1153.91,"end":1154.97,"sentiment":"positive","sentiment_score":0.44769732654094696},{"text":"So, yes, I'll leave you to play around with it, and then you can let me know.","start":1155.99,"end":1160.25,"sentiment":"neutral","sentiment_score":0.16079854044844122},{"text":"If it's not today, it's fine.","start":1160.71,"end":1162.71,"sentiment":"neutral","sentiment_score":0.02736617935200532},{"text":"I'm I'm here anyway for, I've said, till the '20 fourth.","start":1162.71,"end":1168.325,"sentiment":"neutral","sentiment_score":0.020309395918791943},{"text":"Yeah.","start":1168.325,"end":1168.825,"sentiment":"neutral","sentiment_score":0.015550700947642326}],"sentiment":"neutral","sentiment_score":0.10897624251004812,"num_words":37,"start":1153.91,"end":1168.825},{"sentences":[{"text":"Okay.","start":1180.73,"end":1181.23,"sentiment":"neutral","sentiment_score":0.3116653859615326},{"text":"Sounds great.","start":1182.9701,"end":1184.11,"sentiment":"positive","sentiment_score":0.7641576826572418},{"text":"Okay.","start":1186.49,"end":1186.9701,"sentiment":"positive","sentiment_score":0.3948869109153747},{"text":"Thanks, Larissa.","start":1186.9701,"end":1188.03,"sentiment":"positive","sentiment_score":0.6881172358989716},{"text":"Okay.","start":1190.25,"end":1190.75,"sentiment":"positive","sentiment_score":0.5224848389625549}],"sentiment":"positive","sentiment_score":0.5905124247074127,"num_words":7,"start":1180.73,"end":1190.75},{"sentences":[{"text":"Bye.","start":1191.2101,"end":1191.7101,"sentiment":"positive","sentiment_score":0.3576785922050476}],"sentiment":"positive","sentiment_score":0.3576785922050476,"num_words":1,"start":1191.2101,"end":1191.7101}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Hi, Kim. How are you going?\n\nChannel 1: I'm good. Thank you.\n\nChannel 0: That's so good. I was literally mentioned your name today.\n\nChannel 1: Oh, okay. Well, yeah, I'm back\n\nChannel 0: Your\n\nChannel 1: up\n\nChannel 0: ears\n\nChannel 1: on the\n\nChannel 0: are\n\nChannel 1: coast\n\nChannel 0: burning.\n\nChannel 1: at the moment. And and Jenny had rung me to say, when are you coming up next? And I said, oh, I'm actually heading up there tomorrow. And she said, oh, I'm going to go to the financial adviser. Oh, yes.\n\nI must ring them when I get up there again.\n\nChannel 0: How's how's the move going? How's everything settling in?\n\nChannel 1: It's all good. Yeah. But I just said to Jordan, I couldn't remember whether you weren't gonna get in touch with me or I was meant to get in touch with you and yep. So lots of things have been happening anyway. We've just got back from a holiday.\n\nSo\n\nChannel 0: I\n\nChannel 1: yeah.\n\nChannel 0: love. Alright. Well, fill me in on where everything's at. Where did we end up buying? How much did we buy for?\n\nChannel 1: Okay. So I we purchased down in Foster\n\nChannel 0: Yeah.\n\nChannel 1: in a in a sort of a suburb area called Smiths Lake.\n\nChannel 0: This is, like okay.\n\nChannel 1: And so I've got now I also Tony went into the local office down there and put an address change in from up here. And because I was heading up here at the time, I thought, oh, I'll do that when I get up here. I've gone into the Robina office and said, I just need to change my address. And lo and behold, they had me booked in, and they wanted bank statements and proof of what, like, statements saying what I sold the house for, how much got deposited, how much we bought a house for. They wanted to know because it was a month in between selling one place and purchasing and settling on the next, where I had lived for that month.\n\nChannel 0: Yep.\n\nChannel 1: And it was, like, 20 questions or more than 20 questions. I said, my husband did this down in Foster. He just went in and said I need to change my address. And they said, how much do you have in the bank? And he told them.\n\nAnd they said, oh, you're fine. And did it for him. I said, I've come up here to do it, and I've been put through the ringer. Unbelievable.\n\nChannel 0: Oh, no, darling.\n\nChannel 1: And I had no idea how much I had because I didn't say. I just said, I wanna change my address.\n\nChannel 0: Yeah.\n\nChannel 1: And that's how it went. I had to go to the bank and get them to print statements off to take back the following week. And when they said, where did you live for that month? I said, and do you guys really give a shit? Do you actually care where I live?\n\nOh, so, anyway, that happened, and my pension is now being dropped.\n\nChannel 0: Oh, no.\n\nChannel 1: So yeah. So that's where we're at. And then when all that had happened, I was going to get back to you or you're gonna get back to me, and I just can't remember, to start working on those super accounts.\n\nChannel 0: Yeah. Last time we spoke, you had a whole heap going on and and\n\nChannel 1: I did. Mom had passed away\n\nChannel 0: yeah.\n\nChannel 1: right when I put the house on the market and oh god. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: And then by like, we we did sell the house and then we found another one and they they needed time to look and so that's why there was a month difference between the settlements.\n\nChannel 0: Yes. Of course. It never runs smoothly.\n\nChannel 1: Oh, yeah. So, yes, what do I do next?\n\nChannel 0: No. That's perfect. We just need to pop the money in, my love. So nice and easy, we can get the money in. So let's start with because I've I've still got your Merry Mac address, which is definitely wrong.\n\nWhat's\n\nChannel 1: Yes.\n\nChannel 0: the new house?\n\nChannel 1: The new address is 5\n\nChannel 0: Mhmm.\n\nChannel 1: Harcourt Crescent, as in the real estate spelling, Harcourt,\n\nChannel 0: I lost.\n\nChannel 1: and it is Smiths Lake.\n\nChannel 0: Perfect.\n\nChannel 1: And\n\nChannel 0: And\n\nChannel 1: that 22428 is the postcode down\n\nChannel 0: 2\n\nChannel 1: there.\n\nChannel 0: 428. Perfect. Okay.\n\nChannel 1: I'm actually up back up here for the next three weeks doing some pet sitting.\n\nChannel 0: Oh, for the kids again.\n\nChannel 1: Catching up with the kid the ladies from the gym.\n\nChannel 0: I\n\nChannel 1: Yeah.\n\nChannel 0: love.\n\nChannel 1: Yeah. So that's why Jenny rang me, and I said, I'm actually driving up tomorrow. She said, oh, good.\n\nChannel 0: Oh, that is\n\nChannel 1: Yeah.\n\nChannel 0: perfect.\n\nChannel 1: Yeah. So, of course, with all the moves and with agency and stand duty fees and all the rest of the money I have to pay out, I haven't got haven't got as much\n\nChannel 0: Yes.\n\nChannel 1: as what we had calculated\n\nChannel 0: Cool. What\n\nChannel 1: because\n\nChannel 0: we calculated. Yeah. I had\n\nChannel 1: yes.\n\nChannel 0: wondered. That's\n\nChannel 1: Yes.\n\nChannel 0: okay.\n\nChannel 1: But\n\nChannel 0: Where do we stand?\n\nChannel 1: I had about 350 sitting in my bank account. I've got a little bit less now. And so when I went to Centrelink Place in Ravenna, and I've done all their calculations and get someone else over to verify this, that, and the other. Oh, okay. So and so I wanted to find out how much you're allowed to have in an account\n\nChannel 0: Yeah.\n\nChannel 1: because I've put it down as like, I didn't mention anything that I've I'm purchasing with my hubby, like, that we're sharing. I\n\nChannel 0: Yeah.\n\nChannel 1: didn't say a thing about that. And so they said, okay. So you're single. You're doing this. You're doing that.\n\nNot yet. Yep. Yep. And how much have you got? And because I think at the time, it was a little over $3.50.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. My pension\n\nChannel 0: Pension\n\nChannel 1: has dropped\n\nChannel 0: dropped\n\nChannel 1: down\n\nChannel 0: a little\n\nChannel 1: instead\n\nChannel 0: bit.\n\nChannel 1: of level instead of what? 1,100 and whatever, $11.49 or whatever, I'm getting\n\nChannel 0: Yep.\n\nChannel 1: 800 and something.\n\nChannel 0: Yeah. Because you're if based on $3.50, you'd be just over the, yeah, it's $3.21 500.\n\nChannel 1: 3 So I'm still over slightly because I think I'm down to about $3.44 or something at the moment.\n\nChannel 0: Okay. Alright. That's\n\nChannel 1: But\n\nChannel 0: okay.\n\nChannel 1: yes. Goodbye goodbye part pension.\n\nChannel 0: Full pension. Yeah. No. That's okay. We can so we can get we can get the the full pension back.\n\nThat's nice and easy. What we need to do is we just need to pop the money in. So give me today, because, obviously, the figures have drastically changed to just\n\nChannel 1: Mhmm.\n\nChannel 0: rework where we're gonna put the money in because we we we can put the money in. That's okay. That's nice and easy. But I just need to make sure that we're putting the right amount of money in. I'd wanna leave you with some cash still like we talked about, and I wanna look at where we can\n\nChannel 1: Yes.\n\nChannel 0: how\n\nChannel 1: Because\n\nChannel 0: much\n\nChannel 1: we\n\nChannel 0: money\n\nChannel 1: were\n\nChannel 0: we\n\nChannel 1: gonna\n\nChannel 0: we put into that\n\nChannel 1: yeah.\n\nChannel 0: special\n\nChannel 1: We were\n\nChannel 0: account.\n\nChannel 1: gonna do three in one and two in the other or something.\n\nChannel 0: Yeah. Correct. But, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: with the purchase\n\nChannel 1: Yep.\n\nChannel 0: and holidays and everything else, that's okay.\n\nChannel 1: Oh, just just living in expenses of\n\nChannel 0: Yeah.\n\nChannel 1: of the government taking stamp duty and the the real estate's\n\nChannel 0: Yeah.\n\nChannel 1: charging so much commission, etcetera, etcetera. It's just ridiculous.\n\nChannel 0: Yeah. It just hit a bit heavier than we\n\nChannel 1: Yep.\n\nChannel 0: we'd thought.\n\nChannel 1: But but because mom did pass away,\n\nChannel 0: Mhmm.\n\nChannel 1: well, my sister has been dealing with most of it down there because she lives down there and was letting them know her property will go on the market in the retirement village she lived in. So we will be getting something from that.\n\nChannel 0: Okay.\n\nChannel 1: I had no idea how much. It just all depends. And, you know, those places, they just take they go, oh, yeah. You buy in, but you never own the place.\n\nChannel 0: Yeah.\n\nChannel 1: And and then you get a percentage back. So I do not have any idea\n\nChannel 0: Okay.\n\nChannel 1: until\n\nChannel 0: That's\n\nChannel 1: it\n\nChannel 0: okay.\n\nChannel 1: all happens.\n\nChannel 0: Yeah. That that's okay. Well, so we can play this one of two ways. I can get rid of pretty much, like, all of your cash. And when I say get rid of, I mean shelter.\n\nWe're obviously\n\nChannel 1: Mhmm.\n\nChannel 0: not gonna throw it in the bin. And then we can replenish the cash with whatever you get from mom's estate.\n\nChannel 1: Mhmm.\n\nChannel 0: So that way, we can pop all the money that we need to pop into your super fund into your super fund\n\nChannel 1: Because\n\nChannel 0: and shelter\n\nChannel 1: you were\n\nChannel 0: it\n\nChannel 1: thinking\n\nChannel 0: all?\n\nChannel 1: of doing me two two super funds, weren't you?\n\nChannel 0: Yes. Yeah.\n\nChannel 1: One\n\nChannel 0: We were we\n\nChannel 1: one\n\nChannel 0: were\n\nChannel 1: that\n\nChannel 0: gonna\n\nChannel 1: it's sort of\n\nChannel 0: have one available for you to draw down bulk amounts if you ever need to, and the other one the other one available to give you that\n\nChannel 1: mhmm. Yes. That's right. Yeah. The other one\n\nChannel 0: income\n\nChannel 1: sort of like got well, like, high\n\nChannel 0: stream.\n\nChannel 1: not hiding, but but putting\n\nChannel 0: Sheltered.\n\nChannel 1: away\n\nChannel 0: It's\n\nChannel 1: one.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. And putting away one, but I can get at it if I need it. And then putting another one, which is more or less, like, from the banking industry, I'm just sort of thinking, yes, like a term deposit, and\n\nChannel 0: Yep.\n\nChannel 1: I would be getting interest on a top situation, and that would be going into my account. That way, that would help me get back some of my pension.\n\nChannel 0: Correct. Yeah.\n\nChannel 1: Yep. Okay.\n\nChannel 0: So we can get you back up to that. And then whatever happens with mom, we can deal with that on that side of things.\n\nChannel 1: Yeah. Yep. Okay.\n\nChannel 0: Okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Alright.\n\nChannel 1: As I said, I I do not know. It could be something like a couple $100, Could be a little bit more. Could be a little bit less. Just depends on, you know, how you get ripped off with retirement villages too.\n\nChannel 0: Yes. They do. Do you know how long mom was in the retirement village for?\n\nChannel 1: Eight to ten years.\n\nChannel 0: Oh, okay. So she was there for a while.\n\nChannel 1: She was. Yeah. Yeah.\n\nChannel 0: Okay. Well, she should get she should get a decent amount back still, but yeah.\n\nChannel 1: We should. Yes. Because what they do is you sort of hand the keys back in. They come in anytime someone either dies or leaves the place. That whole apartment gets totally rerenovated.\n\nChannel 0: Yes. And that\n\nChannel 1: Ready\n\nChannel 0: comes\n\nChannel 1: for\n\nChannel 0: out\n\nChannel 1: the\n\nChannel 0: of the sales costs and\n\nChannel 1: that\n\nChannel 0: yeah.\n\nChannel 1: yeah. Ready for the next person to purchase. Whereas when mom bought it or my sister and brother-in-law were helping her, it was a private sale and so it hadn't been renovated when she bought it, but she just it was fine. It was lovely. And she turned what was like a I don't know, a computer sitting room area into a second bedroom.\n\nSo it is classified as a two bedroom now because she did renovations and put a wardrobe in. But\n\nChannel 0: Love.\n\nChannel 1: yeah. Technically, when she bought it, it was a one bedroom, one bathroom. But with this room big enough to have a double bed in there and put the wardrobe in there. Plus, she needed all that wardrobe space for her clothes.\n\nChannel 0: Of course.\n\nChannel 1: Of course. Yes. A lot it was terrible when my sister-in-law was down there just emptying it out and going through stuff and oh, yeah. Yeah.\n\nChannel 0: I'm\n\nChannel 1: All\n\nChannel 0: sorry,\n\nChannel 1: the stuff\n\nChannel 0: love.\n\nChannel 1: they collect. Oh, no. But all the stuff they collect. She was 96.\n\nChannel 0: Oh, that is a good innings.\n\nChannel 1: Yeah. That\n\nChannel 0: Good\n\nChannel 1: it\n\nChannel 0: innings.\n\nChannel 1: only happened because she had a fall and and ended up in\n\nChannel 0: Yeah.\n\nChannel 1: hospital with a brain bleed. Yeah.\n\nChannel 0: Oh.\n\nChannel 1: Otherwise, we reckon she'd still be here because that was just yeah. And and it's genetics in our family as well.\n\nChannel 0: Oh, so I've got\n\nChannel 1: So\n\nChannel 0: you for a long time yet. Good to know.\n\nChannel 1: yeah. Yeah. So I'll have to tell my girls, look, sorry. You can't have my stuff for quite a while.\n\nChannel 0: I'll\n\nChannel 1: And\n\nChannel 0: be here\n\nChannel 1: both\n\nChannel 0: forever.\n\nChannel 1: yeah. Both Tony's and my wheels because we were in our own individual places. I don't know whether we should change it because we've both got on our wheels. If if we were to go, it would be split between the two girls and the remaining spouse. So I don't know whether that's gonna make too much of a difference because at the end of the day, if one of us goes, one of us will be in the house until\n\nChannel 0: Yeah.\n\nChannel 1: they go. So\n\nChannel 0: Correct.\n\nChannel 1: I don't see a great need to change anything. And\n\nChannel 0: No.\n\nChannel 1: I\n\nChannel 0: It doesn't\n\nChannel 1: and\n\nChannel 0: sound like\n\nChannel 1: I'm\n\nChannel 0: it should\n\nChannel 1: no.\n\nChannel 0: make too\n\nChannel 1: And\n\nChannel 0: much\n\nChannel 1: I\n\nChannel 0: of an\n\nChannel 1: don't\n\nChannel 0: issue.\n\nChannel 1: think the girls will come rushing it, the one that's left it and said, you gotta get out because we wanna sell it. So you gotta go and live in the the local shed because we're now gonna sell it and get the money from it.\n\nChannel 0: No. I don't think you will. I think we're probably pretty good.\n\nChannel 1: Yeah. Yeah. So I don't I don't think we'll touch those yet. We'll leave those. But in the meantime, yes, most definitely, we can put some away into that hidey hole one\n\nChannel 0: Yep.\n\nChannel 1: and leave me with some to work on each day and build my pension back up.\n\nChannel 0: Good. Cool. Well, it's gonna because we're we're at the end of the role of financial year, which is why I was literally talking about you today. Because I was like, cool. I haven't heard from you, and I need to reach out to you before we hit the financial year role because we need to do stuff this financial year and next financial year.\n\nChannel 1: Yeah. Okay. Yeah. And it wasn't as as I said, I totally forgot whether you\n\nChannel 0: No.\n\nChannel 1: said contact me ninety days after or we'll contact you ninety days after and I I just and, yeah, just moving and just getting busy. So I thought, good. I'm up here. I'll give you a call and\n\nChannel 0: Alright.\n\nChannel 1: find\n\nChannel 0: Oh,\n\nChannel 1: out what\n\nChannel 0: that's\n\nChannel 1: we\n\nChannel 0: fine.\n\nChannel 1: do.\n\nChannel 0: No. That's okay. So what what I'll do is I'll redo the calculations and figure out where we're gonna pop all the money into which areas. But, essentially, I'm probably gonna basically put about 330 of the funds into the super fund and leave you with $20 cash at the moment.\n\nChannel 1: Mhmm.\n\nChannel 0: So I'll leave you with a little bit of cash still so that way you're still covered. And then over the next like, we're not gonna put all the money in right this second. We'll put some in basically, like, this week or, you know, within the next couple of weeks, and then we'll put some in just after the financial year rolls over. So, like, first or second of July. And then from there, we will we'll I'll be able to set up the accounts, and we can go to Centerlink and get Centerlink all sorted as well.\n\nChannel 1: Okay.\n\nChannel 0: Okay? So it's\n\nChannel 1: Alright.\n\nChannel 0: only it'll be\n\nChannel 1: So\n\nChannel 0: a month, and then we got it all sorted.\n\nChannel 1: yeah. Obviously, with Centrelink, do they backdate it for when you do these changes? Or or no? It's just like, tough luck. You've missed out.\n\nYou\n\nChannel 0: It'll\n\nChannel 1: had that\n\nChannel 0: just\n\nChannel 1: money in there.\n\nChannel 0: it'll be full it'll be forward. Yeah. It they weren't back.\n\nChannel 1: Yeah.\n\nChannel 0: It'll just\n\nChannel 1: No.\n\nChannel 0: be\n\nChannel 1: I didn't think they would.\n\nChannel 0: no. It'll just be looking forward. We'll just get we'll have\n\nChannel 1: Yeah.\n\nChannel 0: it all sorted looking forward.\n\nChannel 1: Okay. Alright. Well, I'm up here till about the June 24.\n\nChannel 0: Oh, you're\n\nChannel 1: If\n\nChannel 0: you're\n\nChannel 1: you need\n\nChannel 0: courageous.\n\nChannel 1: to see\n\nChannel 0: I love.\n\nChannel 1: me at all. Yeah. So I'll just I'll have a list if you do need to see me or get any more signatures or do whatever what, you know, whatever we need to do. I'm here.\n\nChannel 0: Yeah. What? You didn't want me to come all the way down to Smith's Lake?\n\nChannel 1: Well, you could have. It's only a six hour drive.\n\nChannel 0: That sounds glorious.\n\nChannel 1: Obviously, I don't mind it. I don't mind driving.\n\nChannel 0: No. I don't mind driving either.\n\nChannel 1: And I don't mind driving, and Cough Harbor's smack bang in the middle. Like,\n\nChannel 0: Higher, which\n\nChannel 1: three\n\nChannel 0: is a\n\nChannel 1: hours\n\nChannel 0: perfect place to stop?\n\nChannel 1: yeah. Three hours are the direction of the leaving here, going to Cough at three hours, and then home, and the other way coming up. So and I just tell the girls at the gym. I said, look. It's really easy because pretty much and I hate stopping.\n\nSo I normally stop around cost and have a toilet break, petrol fill up, and grab something to eat. Normally, I'll take something with me and just do it all in the one go. And you'll just stick the car in cruise control, and that's it.\n\nChannel 0: In she goes.\n\nChannel 1: And I said it's really it's just like being in a video game. You're just steering.\n\nChannel 0: I love. That's perfect.\n\nChannel 1: Yeah. Yeah. So, like like, distance driving doesn't bother me. All the stopping,\n\nChannel 0: No.\n\nChannel 1: I hate. So yeah.\n\nChannel 0: There.\n\nChannel 1: Yeah.\n\nChannel 0: The stopping and starting is a bit of a pain.\n\nChannel 1: Yeah.\n\nChannel 0: No.\n\nChannel 1: So yeah. That's that's that. So I'll sort of touch base now while I've while I'm here and since I spoke to Jenny. And she said, I've got appointment. I'm going in to see such and such.\n\nYeah. I said, yes. I must ring while I'm up here.\n\nChannel 0: No. That's perfect. Ears must have been burning. No. Alright.\n\nChannel 1: Not\n\nChannel 0: Well,\n\nChannel 1: much.\n\nChannel 0: I'll redo the calculations now that we have our solid figures after sale and purchase, and then\n\nChannel 1: Mhmm.\n\nChannel 0: we can I'll I'll give you a callback today to confirm the amounts, and I'll send you and, basically, I'll just I'll send you the payment details to pop the money in.\n\nChannel 1: Okay. So what else? I think that was all we needed. What have I got? I can I'm sitting at the computer now.\n\nCome on. Hurry up. Okay. So currently, I've got 343 sitting in my account.\n\nChannel 0: 343.\n\nChannel 1: 3\n\nChannel 0: Okay.\n\nChannel 1: 43. So don't\n\nChannel 0: Good.\n\nChannel 1: throw too much away in case I need to grab it\n\nChannel 0: Yep. Do so what are you comfortable keeping in your account?\n\nChannel 1: some. Oh, maybe 20.\n\nChannel 0: Right. Right. Perfect.\n\nChannel 1: Just just as a backup. We have opened a joint account, Tony and I, so that we can use it for, you know, the the bills,\n\nChannel 0: Joint\n\nChannel 1: like,\n\nChannel 0: bills.\n\nChannel 1: your rates and your electricity and that sort of thing. Yep.\n\nChannel 0: Yep. Absolutely.\n\nChannel 1: So we'll we'll just contribute contribute an amount each into there, and and we'll pay our bills that way.\n\nChannel 0: Absolutely. No. That's perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Alright. We can do that. That's fine. Alright. So we've got basically 320,000 that we can pop in.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Too easy.\n\nChannel 1: Sounds good. So, yes, I'll leave you to play around with it, and then you can let me know. If\n\nChannel 0: I\n\nChannel 1: it's\n\nChannel 0: show.\n\nChannel 1: not today, it's fine. I'm I'm here anyway for, I've said, till the '20\n\nChannel 0: Twenty four. No.\n\nChannel 1: fourth.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. No. I should be able to run it through today. I I was basically doing a bunch of little small project for the day, so I'll put them down and work on yours.\n\nChannel 1: Okay. Sounds\n\nChannel 0: Perfect.\n\nChannel 1: great.\n\nChannel 0: I will talk to you soon then.\n\nChannel 1: Okay. Thanks, Larissa.\n\nChannel 0: That's okay, darling. Thanks for\n\nChannel 1: Okay.\n\nChannel 0: calling.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Kim.","start":2.56,"end":3.28,"sentiment":"neutral","sentiment_score":0.22660833597183228},{"text":"How are you going?","start":3.28,"end":4.18,"sentiment":"neutral","sentiment_score":0.29653415083885193}],"sentiment":"neutral","sentiment_score":0.2732255458831787,"channel":0,"num_words":6,"start":2.56,"end":4.18},{"sentences":[{"text":"I'm good.","start":4.72,"end":5.2799997,"sentiment":"positive","sentiment_score":0.6927684545516968},{"text":"Thank you.","start":5.2799997,"end":6.02,"sentiment":"positive","sentiment_score":0.8006919324398041}],"sentiment":"positive","sentiment_score":0.7467301934957504,"channel":1,"num_words":4,"start":4.72,"end":6.02},{"sentences":[{"text":"That's so good.","start":6.96,"end":8.18,"sentiment":"positive","sentiment_score":0.7439808249473572},{"text":"I was literally mentioned your name 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moment.","start":15.195,"end":16.015,"sentiment":"neutral","sentiment_score":-0.03369236116607984},{"text":"And and Jenny had rung me to say, when are you coming up next?","start":16.555,"end":20.575,"sentiment":"neutral","sentiment_score":0.008206957219434636},{"text":"And I said, oh, I'm actually heading up there tomorrow.","start":21.115,"end":23.675,"sentiment":"neutral","sentiment_score":0.01959615424275398},{"text":"And she said, oh, I'm going to go to the financial adviser.","start":23.675,"end":26.555,"sentiment":"neutral","sentiment_score":0.004560180241242051},{"text":"Oh, yes.","start":26.555,"end":27.035,"sentiment":"neutral","sentiment_score":0.03388522192835808}],"sentiment":"neutral","sentiment_score":0.008104255286658682,"channel":1,"num_words":41,"start":15.195,"end":27.035},{"sentences":[{"text":"I must ring them when I get up there again.","start":27.035,"end":29.215,"sentiment":"neutral","sentiment_score":0.018689591251313687}],"sentiment":"neutral","sentiment_score":0.018689591251313687,"channel":1,"num_words":10,"start":27.035,"end":29.215},{"sentences":[{"text":"How's how's the move going?","start":31.23,"end":32.83,"sentiment":"neutral","sentiment_score":0.12345642447471619},{"text":"How's everything settling in?","start":32.83,"end":34.61,"sentiment":"neutral","sentiment_score":0.12918689660727978}],"sentiment":"neutral","sentiment_score":0.12600330097807777,"channel":0,"num_words":9,"start":31.23,"end":34.61},{"sentences":[{"text":"It's all good.","start":35.02,"end":36.0,"sentiment":"positive","sentiment_score":0.40243542194366455},{"text":"Yeah.","start":37.1,"end":37.42,"sentiment":"neutral","sentiment_score":0.10911686718463898},{"text":"But I just said to Jordan, I couldn't remember whether you weren't gonna get in touch with me or I was meant to get in touch with you and yep.","start":37.42,"end":44.535,"sentiment":"neutral","sentiment_score":-0.03468291405588388},{"text":"So lots of things have been happening anyway.","start":44.615,"end":46.715,"sentiment":"neutral","sentiment_score":0.0015761966351419692},{"text":"We've just got back from a 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fill me in on where everything's at.","start":52.11,"end":53.95,"sentiment":"neutral","sentiment_score":0.0013690936611965299},{"text":"Where did we end up buying?","start":53.95,"end":56.29,"sentiment":"neutral","sentiment_score":-0.009655065058420101},{"text":"How much did we buy for?","start":56.67,"end":58.45,"sentiment":"neutral","sentiment_score":-0.01079132966697216}],"sentiment":"neutral","sentiment_score":0.012967267243022268,"channel":0,"num_words":22,"start":50.59,"end":58.45},{"sentences":[{"text":"Okay.","start":58.614998,"end":59.114998,"sentiment":"neutral","sentiment_score":0.00513638649135828},{"text":"So I we purchased down in 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okay.","start":68.604996,"end":69.745,"sentiment":"neutral","sentiment_score":0.04383540339767933}],"sentiment":"neutral","sentiment_score":0.04383540339767933,"channel":0,"num_words":4,"start":68.604996,"end":69.745},{"sentences":[{"text":"And so I've got now I also Tony went into the local office down there and put an address change in from up here.","start":69.3,"end":81.935,"sentiment":"neutral","sentiment_score":0.02017015901704629},{"text":"And because I was heading up here at the time, I thought, oh, I'll do that when I get up here.","start":82.635,"end":87.9,"sentiment":"neutral","sentiment_score":-0.0076160078557829065},{"text":"I've gone into the Robina office and said, I just need to change my address.","start":88.060005,"end":94.16,"sentiment":"neutral","sentiment_score":-0.03554275017231703},{"text":"And lo and behold, they had me booked in, and they wanted bank statements and proof of what, like, statements saying what I sold the house for, how much got deposited, how much we bought a house for.","start":94.700005,"end":111.665,"sentiment":"neutral","sentiment_score":-0.02400956420521987},{"text":"They wanted to know because it was a month in between selling one place and purchasing and settling on the next, where I had lived for that month.","start":111.805,"end":122.130005,"sentiment":"neutral","sentiment_score":-0.02455584132777793}],"sentiment":"neutral","sentiment_score":-0.01435651268351764,"channel":1,"num_words":126,"start":69.3,"end":122.130005},{"sentences":[{"text":"Yep.","start":123.32,"end":123.82,"sentiment":"neutral","sentiment_score":0.012994831427931786}],"sentiment":"neutral","sentiment_score":0.012994831427931786,"channel":0,"num_words":1,"start":123.32,"end":123.82},{"sentences":[{"text":"And it was, like, 20 questions or more than 20 questions.","start":123.47,"end":128.91,"sentiment":"neutral","sentiment_score":-0.018881718882105568},{"text":"I said, my husband did this down in 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god.","start":204.11,"end":207.62999,"sentiment":"neutral","sentiment_score":-0.20152784759799638},{"text":"Yeah.","start":207.62999,"end":208.12999,"sentiment":"neutral","sentiment_score":-0.1204165667295456}],"sentiment":"neutral","sentiment_score":-0.19528851830042326,"channel":1,"num_words":13,"start":204.11,"end":208.12999},{"sentences":[{"text":"Yeah.","start":208.03,"end":208.53,"sentiment":"neutral","sentiment_score":-0.09075264632701874}],"sentiment":"neutral","sentiment_score":-0.09075264632701874,"channel":0,"num_words":1,"start":208.03,"end":208.53},{"sentences":[{"text":"And then by like, we we did sell the house and then we found another one and they they needed time to look and so that's why there was a month difference between the 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wrong.","start":236.62,"end":241.95499,"sentiment":"neutral","sentiment_score":-0.03353465407374589}],"sentiment":"neutral","sentiment_score":0.19007871032808907,"channel":0,"num_words":40,"start":230.3,"end":241.95499},{"sentences":[{"text":"What's","start":242.095,"end":242.415,"sentiment":"neutral","sentiment_score":0.005634247791022062}],"sentiment":"neutral","sentiment_score":0.005634247791022062,"channel":0,"num_words":1,"start":242.095,"end":242.415},{"sentences":[{"text":"Yes.","start":242.36,"end":242.86,"sentiment":"neutral","sentiment_score":0.00889335572719574}],"sentiment":"neutral","sentiment_score":0.00889335572719574,"channel":1,"num_words":1,"start":242.36,"end":242.86},{"sentences":[{"text":"the new house?","start":242.415,"end":243.39499,"sentiment":"neutral","sentiment_score":0.005268443375825882}],"sentiment":"neutral","sentiment_score":0.005268443375825882,"channel":0,"num_words":3,"start":242.415,"end":243.39499},{"sentences":[{"text":"The new address is 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can let me know.","start":1155.99,"end":1160.25,"sentiment":"neutral","sentiment_score":0.16079854044844122},{"text":"If","start":1160.71,"end":1160.95,"sentiment":"neutral","sentiment_score":0.07727232575416565}],"sentiment":"neutral","sentiment_score":0.185312108322978,"channel":1,"num_words":20,"start":1153.91,"end":1160.95},{"sentences":[{"text":"I","start":1160.835,"end":1161.075,"sentiment":"neutral","sentiment_score":0.05324812978506088}],"sentiment":"neutral","sentiment_score":0.05324812978506088,"channel":0,"num_words":1,"start":1160.835,"end":1161.075},{"sentences":[{"text":"it's","start":1160.95,"end":1161.11,"sentiment":"neutral","sentiment_score":0.046793874353170395}],"sentiment":"neutral","sentiment_score":0.046793874353170395,"channel":1,"num_words":1,"start":1160.95,"end":1161.11},{"sentences":[{"text":"show.","start":1161.075,"end":1161.575,"sentiment":"neutral","sentiment_score":0.028706103563308716}],"sentiment":"neutral","sentiment_score":0.028706103563308716,"channel":0,"num_words":1,"start":1161.075,"end":1161.575},{"sentences":[{"text":"not today, it's fine.","start":1161.11,"end":1162.71,"sentiment":"neutral","sentiment_score":0.010032719001173973},{"text":"I'm I'm here anyway for, I've said, till the '20","start":1162.71,"end":1166.985,"sentiment":"neutral","sentiment_score":0.023500607907772066}],"sentiment":"neutral","sentiment_score":0.019652639648744037,"channel":1,"num_words":14,"start":1161.11,"end":1166.985},{"sentences":[{"text":"Twenty four.","start":1166.85,"end":1167.75,"sentiment":"neutral","sentiment_score":0.0021713445894420147},{"text":"No.","start":1168.05,"end":1168.29,"sentiment":"neutral","sentiment_score":-0.031031407415866852}],"sentiment":"neutral","sentiment_score":-0.008896239412327608,"channel":0,"num_words":3,"start":1166.85,"end":1168.29},{"sentences":[{"text":"fourth.","start":1168.165,"end":1168.325,"sentiment":"neutral","sentiment_score":-0.011602723971009254}],"sentiment":"neutral","sentiment_score":-0.011602723971009254,"channel":1,"num_words":1,"start":1168.165,"end":1168.325},{"sentences":[{"text":"That's","start":1168.29,"end":1168.53,"sentiment":"neutral","sentiment_score":-0.0058633326552808285}],"sentiment":"neutral","sentiment_score":-0.0058633326552808285,"channel":0,"num_words":1,"start":1168.29,"end":1168.53},{"sentences":[{"text":"Yeah.","start":1168.325,"end":1168.825,"sentiment":"neutral","sentiment_score":0.015550700947642326}],"sentiment":"neutral","sentiment_score":0.015550700947642326,"channel":1,"num_words":1,"start":1168.325,"end":1168.825},{"sentences":[{"text":"okay.","start":1168.53,"end":1168.77,"sentiment":"neutral","sentiment_score":0.013534428551793098},{"text":"No.","start":1168.77,"end":1169.01,"sentiment":"neutral","sentiment_score":-0.02214789018034935},{"text":"I should be able to run it through today.","start":1169.01,"end":1171.43,"sentiment":"positive","sentiment_score":0.6019327839215597},{"text":"I I was basically doing a bunch of little small project for the day, so I'll put them down and work on yours.","start":1171.73,"end":1179.91,"sentiment":"neutral","sentiment_score":0.2216975371474805}],"sentiment":"neutral","sentiment_score":0.3090536749428686,"channel":0,"num_words":34,"start":1168.53,"end":1179.91},{"sentences":[{"text":"Okay.","start":1180.73,"end":1181.23,"sentiment":"neutral","sentiment_score":0.3116653859615326},{"text":"Sounds","start":1182.9701,"end":1183.4701,"sentiment":"positive","sentiment_score":0.7120561003684998}],"sentiment":"positive","sentiment_score":0.5118607431650162,"channel":1,"num_words":2,"start":1180.73,"end":1183.4701},{"sentences":[{"text":"Perfect.","start":1183.1749,"end":1183.6749,"sentiment":"positive","sentiment_score":0.7523232698440552}],"sentiment":"positive","sentiment_score":0.7523232698440552,"channel":0,"num_words":1,"start":1183.1749,"end":1183.6749},{"sentences":[{"text":"great.","start":1183.61,"end":1184.11,"sentiment":"positive","sentiment_score":0.8162592649459839}],"sentiment":"positive","sentiment_score":0.8162592649459839,"channel":1,"num_words":1,"start":1183.61,"end":1184.11},{"sentences":[{"text":"I will talk to you soon then.","start":1184.2949,"end":1186.075,"sentiment":"positive","sentiment_score":0.622313278062003}],"sentiment":"positive","sentiment_score":0.622313278062003,"channel":0,"num_words":7,"start":1184.2949,"end":1186.075},{"sentences":[{"text":"Okay.","start":1186.49,"end":1186.9701,"sentiment":"positive","sentiment_score":0.3948869109153747},{"text":"Thanks, Larissa.","start":1186.9701,"end":1188.03,"sentiment":"positive","sentiment_score":0.6881172358989716}],"sentiment":"positive","sentiment_score":0.5903737942377726,"channel":1,"num_words":3,"start":1186.49,"end":1188.03},{"sentences":[{"text":"That's okay, darling.","start":1188.5349,"end":1189.6749,"sentiment":"positive","sentiment_score":0.7172922293345133},{"text":"Thanks for","start":1189.815,"end":1190.2949,"sentiment":"positive","sentiment_score":0.7878400087356567}],"sentiment":"positive","sentiment_score":0.7455113410949707,"channel":0,"num_words":5,"start":1188.5349,"end":1190.2949},{"sentences":[{"text":"Okay.","start":1190.25,"end":1190.75,"sentiment":"positive","sentiment_score":0.5224848389625549}],"sentiment":"positive","sentiment_score":0.5224848389625549,"channel":1,"num_words":1,"start":1190.25,"end":1190.75},{"sentences":[{"text":"calling.","start":1190.2949,"end":1190.7949,"sentiment":"positive","sentiment_score":0.5985256433486938}],"sentiment":"positive","sentiment_score":0.5985256433486938,"channel":0,"num_words":1,"start":1190.2949,"end":1190.7949},{"sentences":[{"text":"Bye.","start":1191.2101,"end":1191.7101,"sentiment":"positive","sentiment_score":0.3576785922050476}],"sentiment":"positive","sentiment_score":0.3576785922050476,"channel":1,"num_words":1,"start":1191.2101,"end":1191.7101},{"sentences":[{"text":"Bye.","start":1192.215,"end":1192.715,"sentiment":"neutral","sentiment_score":-0.12624357640743256}],"sentiment":"neutral","sentiment_score":-0.12624357640743256,"channel":0,"num_words":1,"start":1192.215,"end":1192.715}]},"summary":{"result":"success","short":"The speaker discusses their recent financial purchase and settlement with advisers, including a conversation with a banker who provided bank statements and retirement plans. They also mention their expenses, including pension and expenses related to their current home. They plan to rework their address and use their cash to pay for property, including putting money into a retirement retirement retirement account. They discuss their retirement plans and expenses, including their current home, and mention a new house they sold. They also discuss plans to leave their job and build their pension while the financial year is behind them, and discuss potential job opportunities and using a joint account for bills and electricity."},"intents":{"segments":[{"text":"And they said, oh, you're fine. And did it for him. I said, I've come up here to do it, and I've been put through the ringer. Unbelievable.","start_word":368,"end_word":395,"intents":[{"intent":"Reschedule appointment","confidence_score":0.0000034642687}]},{"text":"And I had no idea how much I had because I didn't say. I just said, I wanna change my address. Yeah.","start_word":398,"end_word":419,"intents":[{"intent":"Change address","confidence_score":0.92870253}]},{"text":"I had to go to the bank and get them to print statements off to take back the following week.","start_word":425,"end_word":444,"intents":[{"intent":"Print statements","confidence_score":0.8406912}]},{"text":"So that's where we're at. And then when all that had happened, I was going to get back to you or you're gonna get back to me, and I just can't remember, to start working on those super accounts. Yeah.","start_word":489,"end_word":528,"intents":[{"intent":"Get back to me","confidence_score":0.09088746}]},{"text":"That's perfect. We just need to pop the money in, my love. So nice and easy, we can get the money in.","start_word":615,"end_word":636,"intents":[{"intent":"Express love","confidence_score":0.010615967}]},{"text":"The new address is 5 Mhmm. Harcourt Crescent, as in the real estate spelling, Harcourt, I lost. and it is Smiths Lake. Perfect.","start_word":659,"end_word":681,"intents":[{"intent":"Transfer to new house","confidence_score":0.0013795868}]},{"text":"as what we had calculated Cool. What because we calculated. Yeah.","start_word":787,"end_word":797,"intents":[{"intent":"Calculate calculations","confidence_score":0.001914855}]},{"text":"So and so I wanted to find out how much you're allowed to have in an account Yeah.","start_word":856,"end_word":873,"intents":[{"intent":"Check account limits","confidence_score":0.045263223},{"intent":"Determine maximum amount of money","confidence_score":0.042041842}]},{"text":"My pension Pension has dropped dropped down a little instead bit. of level instead of what?","start_word":943,"end_word":958,"intents":[{"intent":"Explain pension changes","confidence_score":0.00075309386}]},{"text":"rework where we're gonna put the money in because we we we can put the money in. That's okay.","start_word":1069,"end_word":1087,"intents":[{"intent":"Rework strategy","confidence_score":0.0049143117}]},{"text":"And then putting another one, which is more or less, like, from the banking industry, I'm just sort of thinking, yes, like a term deposit, and Yep.","start_word":1503,"end_word":1529,"intents":[{"intent":"Provide term deposit","confidence_score":0.042216502}]},{"text":"So we can get you back up to that. And then whatever happens with mom, we can deal with that on that side of things. Yeah.","start_word":1563,"end_word":1588,"intents":[{"intent":"Deal with mom's concerns","confidence_score":0.012697597}]},{"text":"It could be something like a couple $100, Could be a little bit more. Could be a little bit less. Just depends on, you know, how you get ripped off with retirement villages too. Yes. They do.","start_word":1603,"end_word":1639,"intents":[{"intent":"Provide price for retirement village","confidence_score":0.00006872058}]},{"text":"They do.","start_word":1638,"end_word":1639,"intents":[{"intent":"Provide funds for retirement village","confidence_score":0.0000046404657}]},{"text":"Because what they do is you sort of hand the keys back in. They come in anytime someone either dies or leaves the place. That whole apartment gets totally rerenovated. Yes.","start_word":1687,"end_word":1717,"intents":[{"intent":"Provide keys for purchase","confidence_score":0.103323095}]},{"text":"So it is classified as a two bedroom now because she did renovations and put a wardrobe in. But Love.","start_word":1797,"end_word":1816,"intents":[{"intent":"Separate bedroom","confidence_score":0.00007357558}]},{"text":"think the girls will come rushing it, the one that's left it and said, you gotta get out because we wanna sell it. So you gotta go and live in the the local shed because we're now gonna sell it and get the money from it.","start_word":2113,"end_word":2158,"intents":[{"intent":"Sell house","confidence_score":0.09414097}]},{"text":"And then from there, we will we'll I'll be able to set up the accounts, and we can go to Centerlink and get Centerlink all sorted as well. Okay.","start_word":2471,"end_word":2499,"intents":[{"intent":"Set up accounts","confidence_score":0.048549805},{"intent":"Set up accounts","confidence_score":0.012764136}]},{"text":"I'll redo the calculations now that we have our solid figures after sale and purchase, and then Mhmm. we can I'll I'll give you a callback today to confirm the amounts, and I'll send you and, basically, I'll just I'll send you the payment details to pop the money in. Okay. So what else?","start_word":2923,"end_word":2976,"intents":[{"intent":"Resolve billing issues","confidence_score":0.0074908664}]}]},"sentiments":{"segments":[{"text":"Hi, Kim. How are you going?","start_word":0,"end_word":5,"sentiment":"neutral","sentiment_score":0.2694101333618164},{"text":"I'm good. Thank you. That's so good.","start_word":6,"end_word":12,"sentiment":"positive","sentiment_score":0.7343604564666748},{"text":"I was literally mentioned your name today. Oh, okay. Well, yeah, I'm back Your up ears on the are coast burning. at the moment. And and Jenny had rung me to say, when are you coming up next? And I said, oh, I'm actually heading up there tomorrow. And she said, oh, I'm going to go to the financial adviser. Oh, yes. I must ring them when I get up there again. How's how's the move going? How's everything settling in?","start_word":13,"end_word":93,"sentiment":"neutral","sentiment_score":0.03644994273781776},{"text":"It's all good.","start_word":94,"end_word":96,"sentiment":"positive","sentiment_score":0.4049373269081116},{"text":"Yeah. But I just said to Jordan, I couldn't remember whether you weren't gonna get in touch with me or I was meant to get in touch with you and yep. So lots of things have been happening anyway. We've just got back from a holiday. So I yeah. love. Alright. Well, fill me in on where everything's at. Where did we end up buying? How much did we buy for? Okay. So I we purchased down in Foster Yeah. in a in a sort of a suburb area called Smiths Lake. This is, like okay. And so I've got now I also Tony went into the local office down there and put an address change in from up here. And because I was heading up here at the time, I thought, oh, I'll do that when I get up here. I've gone into the Robina office and said, I just need to change my address. And lo and behold, they had me booked in, and they wanted bank statements and proof of what, like, statements saying what I sold the house for, how much got deposited, how much we bought a house for. They wanted to know because it was a month in between selling one place and purchasing and settling on the next, where I had lived for that month. Yep. And it was, like, 20 questions or more than 20 questions. I said, my husband did this down in Foster. He just went in and said I need to change my address. And they said, how much do you have in the bank? And he told them. And they said, oh, you're fine. And did it for him. I said, I've come up here to do it, and I've been put through the ringer. Unbelievable. Oh, no, darling. And I had no idea how much I had because I didn't say. I just said, I wanna change my address. Yeah. And that's how it went. I had to go to the bank and get them to print statements off to take back the following week. And when they said, where did you live for that month?","start_word":97,"end_word":455,"sentiment":"neutral","sentiment_score":-0.02267655125276956},{"text":"I said, and do you guys really give a shit?","start_word":456,"end_word":465,"sentiment":"negative","sentiment_score":-0.4043790400028229},{"text":"Do you actually care where I live? Oh, so, anyway, that happened, and my pension is now being dropped. Oh, no. So yeah. So that's where we're at. And then when all that had happened, I was going to get back to you or you're gonna get back to me, and I just can't remember, to start working on those super accounts. Yeah. Last time we spoke, you had a whole heap going on and and I did.","start_word":466,"end_word":543,"sentiment":"neutral","sentiment_score":-0.1187971606850624},{"text":"Mom had passed away yeah.","start_word":544,"end_word":548,"sentiment":"negative","sentiment_score":-0.39106565713882446},{"text":"right when I put the house on the market and oh god. Yeah. Yeah. And then by like, we we did sell the house and then we found another one and they they needed time to look and so that's why there was a month difference between the settlements. Yes. Of course. It never runs smoothly. Oh, yeah. So, yes, what do I do next? No. That's perfect.","start_word":549,"end_word":616,"sentiment":"neutral","sentiment_score":-0.10642074793577194},{"text":"We just need to pop the money in, my love. So nice and easy, we can get the money in.","start_word":617,"end_word":636,"sentiment":"positive","sentiment_score":0.3854052424430847},{"text":"So let's start with because I've I've still got your Merry Mac address, which is definitely wrong. What's Yes. the new house? The new address is 5 Mhmm. Harcourt Crescent, as in the real estate spelling, Harcourt, I lost. and it is Smiths Lake.","start_word":637,"end_word":680,"sentiment":"neutral","sentiment_score":-0.005305705592036247},{"text":"Perfect.","start_word":681,"end_word":681,"sentiment":"positive","sentiment_score":0.3411206901073456},{"text":"And And that 22428 is the postcode down 2 there. 428.","start_word":682,"end_word":692,"sentiment":"neutral","sentiment_score":0.06234629079699516},{"text":"Perfect.","start_word":693,"end_word":693,"sentiment":"positive","sentiment_score":0.3342997431755066},{"text":"Okay. I'm actually up back up here for the next three weeks doing some pet sitting. Oh, for the kids again.","start_word":694,"end_word":714,"sentiment":"neutral","sentiment_score":0.2340507060289383},{"text":"Catching up with the kid the ladies from the gym.","start_word":715,"end_word":724,"sentiment":"positive","sentiment_score":0.3716505169868469},{"text":"I Yeah.","start_word":725,"end_word":726,"sentiment":"neutral","sentiment_score":0.3004860281944275},{"text":"love.","start_word":727,"end_word":727,"sentiment":"positive","sentiment_score":0.445989727973938},{"text":"Yeah. So that's why Jenny rang me, and I said, I'm actually driving up tomorrow. She said, oh, good.","start_word":728,"end_word":746,"sentiment":"neutral","sentiment_score":0.18762172052734777},{"text":"Oh, that is Yeah. perfect.","start_word":747,"end_word":751,"sentiment":"positive","sentiment_score":0.5230609178543091},{"text":"Yeah. So, of course, with all the moves and with agency and stand duty fees and all the rest of the money I have to pay out, I haven't got haven't got as much Yes. as what we had calculated Cool. What because we calculated. Yeah. I had yes. wondered. That's Yes. okay. But Where do we stand? I had about 350 sitting in my bank account. I've got a little bit less now. And so when I went to Centrelink Place in Ravenna, and I've done all their calculations and get someone else over to verify this, that, and the other. Oh, okay. So and so I wanted to find out how much you're allowed to have in an account Yeah. because I've put it down as like, I didn't mention anything that I've I'm purchasing with my hubby, like, that we're sharing. I Yeah. didn't say a thing about that. And so they said, okay. So you're single. You're doing this. You're doing that. Not yet. Yep. Yep. And how much have you got? And because I think at the time, it was a little over $3.50. Yeah. Yeah. My pension Pension has dropped dropped down a little instead bit. of level instead of what? 1,100 and whatever, $11.49 or whatever, I'm getting Yep. 800 and something. Yeah. Because you're if based on $3.50, you'd be just over the, yeah, it's $3.21 500. 3 So I'm still over slightly because I think I'm down to about $3.44 or something at the moment. Okay. Alright. That's But okay. yes. Goodbye goodbye part pension. Full pension. Yeah. No. That's okay. We can so we can get we can get the the full pension back.","start_word":752,"end_word":1035,"sentiment":"neutral","sentiment_score":-0.009482949040830135},{"text":"That's nice and easy.","start_word":1036,"end_word":1039,"sentiment":"positive","sentiment_score":0.575423538684845},{"text":"What we need to do is we just need to pop the money in. So give me today, because, obviously, the figures have drastically changed to just Mhmm. rework where we're gonna put the money in because we we we can put the money in.","start_word":1040,"end_word":1084,"sentiment":"neutral","sentiment_score":0.04219097528192732},{"text":"That's okay. That's nice and easy.","start_word":1085,"end_word":1090,"sentiment":"positive","sentiment_score":0.7089223861694336},{"text":"But I just need to make sure that we're putting the right amount of money in. I'd wanna leave you with some cash still like we talked about, and I wanna look at where we can Yes. how Because much money we we were gonna we put into that yeah. special We were account. gonna do three in one and two in the other or something. Yeah. Correct. But, obviously, Yeah. with the purchase Yep. and holidays and everything else, that's okay. Oh, just just living in expenses of Yeah. of the government taking stamp duty and the the real estate's Yeah. charging so much commission, etcetera, etcetera.","start_word":1091,"end_word":1198,"sentiment":"neutral","sentiment_score":0.08242253959178925},{"text":"It's just ridiculous.","start_word":1199,"end_word":1201,"sentiment":"negative","sentiment_score":-0.34963759779930115},{"text":"Yeah. It just hit a bit heavier than we Yep. we'd thought. But but because mom did pass away, Mhmm. well, my sister has been dealing with most of it down there because she lives down there and was letting them know her property will go on the market in the retirement village she lived in. So we will be getting something from that. Okay. I had no idea how much. It just all depends. And, you know, those places, they just take they go, oh, yeah. You buy in, but you never own the place. Yeah. And and then you get a percentage back. So I do not have any idea Okay. until That's it okay. all happens. Yeah. That that's okay. Well, so we can play this one of two ways. I can get rid of pretty much, like, all of your cash. And when I say get rid of, I mean shelter. We're obviously Mhmm. not gonna throw it in the bin. And then we can replenish the cash with whatever you get from mom's estate. Mhmm. So that way, we can pop all the money that we need to pop into your super fund into your super fund and Because shelter you were it thinking all? of doing me two two super funds, weren't you? Yes. Yeah. One We were we one were that gonna it's sort have of one available for you to draw down bulk amounts if you ever need to, and the other one the other one available to give you that mhmm. Yes. That's right. Yeah. The other one income sort of like got well, like, high stream. not hiding, but but putting Sheltered. away It's one. yeah. Yeah. And putting away one, but I can get at it if I need it. And then putting another one, which is more or less, like, from the banking industry, I'm just sort of thinking, yes, like a term deposit, and Yep. I would be getting interest on a top situation, and that would be going into my account. That way, that would help me get back some of my pension. Correct. Yeah. Yep. Okay. So we can get you back up to that. And then whatever happens with mom, we can deal with that on that side of things. Yeah. Yep. Okay. Okay? Yeah. Yeah. Alright. As I said, I I do not know. It could be something like a couple $100, Could be a little bit more. Could be a little bit less. Just depends on, you know, how you get ripped off with retirement villages too. Yes. They do. Do you know how long mom was in the retirement village for? Eight to ten years. Oh, okay. So she was there for a while. She was. Yeah. Yeah. Okay. Well, she should get she should get a decent amount back still, but yeah. We should. Yes. Because what they do is you sort of hand the keys back in. They come in anytime someone either dies or leaves the place. That whole apartment gets totally rerenovated. Yes. And that Ready comes for out the of the sales costs and that yeah. yeah. Ready for the next person to purchase. Whereas when mom bought it or my sister and brother-in-law were helping her, it was a private sale and so it hadn't been renovated when she bought it, but she just it was fine.","start_word":1202,"end_word":1773,"sentiment":"neutral","sentiment_score":0.014971610920673069},{"text":"It was lovely.","start_word":1774,"end_word":1776,"sentiment":"positive","sentiment_score":0.71083003282547},{"text":"And she turned what was like a I don't know, a computer sitting room area into a second bedroom. So it is classified as a two bedroom now because she did renovations and put a wardrobe in. But Love. yeah. Technically, when she bought it, it was a one bedroom, one bathroom. But with this room big enough to have a double bed in there and put the wardrobe in there. Plus, she needed all that wardrobe space for her clothes. Of course. Of course. Yes.","start_word":1777,"end_word":1862,"sentiment":"neutral","sentiment_score":0.12261823192238808},{"text":"A lot it was terrible when my sister-in-law was down there just emptying it out and going through stuff and oh, yeah.","start_word":1863,"end_word":1884,"sentiment":"negative","sentiment_score":-0.45469430088996887},{"text":"Yeah. I'm All sorry, the stuff love. they collect. Oh, no. But all the stuff they collect. She was 96. Oh, that is a good innings. Yeah. That Good it innings. only happened because she had a fall and and ended up in Yeah. hospital with a brain bleed. Yeah. Oh. Otherwise, we reckon she'd still be here because that was just yeah. And and it's genetics in our family as well. Oh, so I've got So you for a long time yet. Good to know. yeah. Yeah. So I'll have to tell my girls, look, sorry. You can't have my stuff for quite a while. I'll And be here both forever. yeah. Both Tony's and my wheels because we were in our own individual places. I don't know whether we should change it because we've both got on our wheels. If if we were to go, it would be split between the two girls and the remaining spouse. So I don't know whether that's gonna make too much of a difference because at the end of the day, if one of us goes, one of us will be in the house until Yeah. they go. So Correct.","start_word":1885,"end_word":2082,"sentiment":"neutral","sentiment_score":-0.10300329327583312},{"text":"I don't see a great need to change anything.","start_word":2083,"end_word":2091,"sentiment":"negative","sentiment_score":-0.390377014875412},{"text":"And No.","start_word":2092,"end_word":2093,"sentiment":"neutral","sentiment_score":-0.3057830035686493},{"text":"I It doesn't and sound like I'm it should no. make too And much I of an don't issue. think the girls will come rushing it, the one that's left it and said, you gotta get out because we wanna sell it.","start_word":2094,"end_word":2135,"sentiment":"negative","sentiment_score":-0.3827514052391052},{"text":"So you gotta go and live in the the local shed because we're now gonna sell it and get the money from it.","start_word":2136,"end_word":2158,"sentiment":"neutral","sentiment_score":-0.27807939052581787},{"text":"No. I don't think you will.","start_word":2159,"end_word":2164,"sentiment":"negative","sentiment_score":-0.4430314004421234},{"text":"I think we're probably pretty good.","start_word":2165,"end_word":2170,"sentiment":"positive","sentiment_score":0.6510308384895325},{"text":"Yeah. Yeah. So I don't I don't think we'll touch those yet. We'll leave those. But in the meantime, yes, most definitely, we can put some away into that hidey hole one Yep. and leave me with some to work on each day and build my pension back up.","start_word":2171,"end_word":2219,"sentiment":"neutral","sentiment_score":0.04582329839468002},{"text":"Good. Cool.","start_word":2220,"end_word":2221,"sentiment":"positive","sentiment_score":0.554877519607544},{"text":"Well, it's gonna because we're we're at the end of the role of financial year, which is why I was literally talking about you today. Because I was like, cool. I haven't heard from you, and I need to reach out to you before we hit the financial year role because we need to do stuff this financial year and next financial year. Yeah. Okay. Yeah. And it wasn't as as I said, I totally forgot whether you No. said contact me ninety days after or we'll contact you ninety days after and I I just and, yeah, just moving and just getting busy. So I thought, good. I'm up here. I'll give you a call and Alright. find Oh, out what that's we fine. do. No. That's okay. So what what I'll do is I'll redo the calculations and figure out where we're gonna pop all the money into which areas. But, essentially, I'm probably gonna basically put about 330 of the funds into the super fund and leave you with $20 cash at the moment. Mhmm. So I'll leave you with a little bit of cash still so that way you're still covered. And then over the next like, we're not gonna put all the money in right this second. We'll put some in basically, like, this week or, you know, within the next couple of weeks, and then we'll put some in just after the financial year rolls over. So, like, first or second of July. And then from there, we will we'll I'll be able to set up the accounts, and we can go to Centerlink and get Centerlink all sorted as well. Okay. Okay? So it's Alright. only it'll be So a month, and then we got it all sorted. yeah. Obviously, with Centrelink, do they backdate it for when you do these changes? Or or no?","start_word":2222,"end_word":2533,"sentiment":"neutral","sentiment_score":0.06163459892074267},{"text":"It's just like, tough luck. You've missed out.","start_word":2534,"end_word":2541,"sentiment":"negative","sentiment_score":-0.417757123708725},{"text":"You It'll had that just money in there. it'll be full it'll be forward. Yeah. It they weren't back. Yeah. It'll just No. be I didn't think they would. no. It'll just be looking forward. We'll just get we'll have Yeah. it all sorted looking forward. Okay. Alright. Well, I'm up here till about the June 24. Oh, you're If you're you need courageous.","start_word":2542,"end_word":2605,"sentiment":"neutral","sentiment_score":0.0559801310300827},{"text":"to see I love. me at all.","start_word":2606,"end_word":2612,"sentiment":"positive","sentiment_score":0.4018483757972718},{"text":"Yeah. So I'll just I'll have a list if you do need to see me or get any more signatures or do whatever what, you know, whatever we need to do. I'm here. Yeah. What? You didn't want me to come all the way down to Smith's Lake? Well, you could have. It's only a six hour drive.","start_word":2613,"end_word":2670,"sentiment":"neutral","sentiment_score":0.08232878893613815},{"text":"That sounds glorious.","start_word":2671,"end_word":2673,"sentiment":"positive","sentiment_score":0.515567421913147},{"text":"Obviously, I don't mind it. I don't mind driving. No. I don't mind driving either. And I don't mind driving, and Cough Harbor's smack bang in the middle. Like, Higher, which three is a hours perfect place to stop? yeah. Three hours are the direction of the leaving here, going to Cough at three hours, and then home, and the other way coming up. So and I just tell the girls at the gym. I said, look. It's really easy because pretty much and I hate stopping. So I normally stop around cost and have a toilet break, petrol fill up, and grab something to eat. Normally, I'll take something with me and just do it all in the one go. And you'll just stick the car in cruise control, and that's it. In she goes. And I said it's really it's just like being in a video game. You're just steering.","start_word":2674,"end_word":2825,"sentiment":"neutral","sentiment_score":0.1091829389333725},{"text":"I love. That's perfect.","start_word":2826,"end_word":2829,"sentiment":"positive","sentiment_score":0.6151187419891357},{"text":"Yeah. Yeah. So, like like, distance driving doesn't bother me. All the stopping, No. I hate. So yeah. There. Yeah.","start_word":2830,"end_word":2849,"sentiment":"neutral","sentiment_score":0.0060747177340090275},{"text":"The stopping and starting is a bit of a pain.","start_word":2850,"end_word":2859,"sentiment":"negative","sentiment_score":-0.6238660216331482},{"text":"Yeah. No. So yeah. That's that's that. So I'll sort of touch base now while I've while I'm here and since I spoke to Jenny. And she said, I've got appointment. I'm going in to see such and such. Yeah. I said, yes. I must ring while I'm up here. No. That's perfect.","start_word":2860,"end_word":2912,"sentiment":"neutral","sentiment_score":-0.09104270488023758},{"text":"Ears must have been burning.","start_word":2913,"end_word":2917,"sentiment":"negative","sentiment_score":-0.4613223075866699},{"text":"No. Alright. Not Well, much. I'll redo the calculations now that we have our solid figures after sale and purchase, and then Mhmm. we can I'll I'll give you a callback today to confirm the amounts, and I'll send you and, basically, I'll just I'll send you the payment details to pop the money in. Okay. So what else? I think that was all we needed. What have I got? I can I'm sitting at the computer now. Come on. Hurry up. Okay. So currently, I've got 343 sitting in my account. 343. 3 Okay. 43. So don't Good. throw too much away in case I need to grab it Yep. Do so what are you comfortable keeping in your account? some. Oh, maybe 20. Right. Right. Perfect. Just just as a backup. We have opened a joint account, Tony and I, so that we can use it for, you know, the the bills, Joint like, bills. your rates and your electricity and that sort of thing. Yep. Yep. Absolutely. So we'll we'll just contribute contribute an amount each into there, and and we'll pay our bills that way. Absolutely. No. That's perfect. Yeah. Alright. We can do that. That's fine. Alright. So we've got basically 320,000 that we can pop in. Yep. Yep. Too easy.","start_word":2918,"end_word":3133,"sentiment":"neutral","sentiment_score":0.07805740088224411},{"text":"Sounds good.","start_word":3134,"end_word":3135,"sentiment":"positive","sentiment_score":0.4289415776729584},{"text":"So, yes, I'll leave you to play around with it, and then you can let me know. If I it's show. not today, it's fine. I'm I'm here anyway for, I've said, till the '20 Twenty four. No. fourth. That's Yeah. okay. No.","start_word":3136,"end_word":3178,"sentiment":"neutral","sentiment_score":0.06272796541452408},{"text":"I should be able to run it through today.","start_word":3179,"end_word":3187,"sentiment":"positive","sentiment_score":0.5856752991676331},{"text":"I I was basically doing a bunch of little small project for the day, so I'll put them down and work on yours. Okay.","start_word":3188,"end_word":3211,"sentiment":"neutral","sentiment_score":0.22293227910995483},{"text":"Sounds Perfect. great. I will talk to you soon then. Okay. Thanks, Larissa. That's okay, darling. Thanks for Okay. calling. Bye.","start_word":3212,"end_word":3232,"sentiment":"positive","sentiment_score":0.6350184679031372},{"text":"Bye.","start_word":3233,"end_word":3233,"sentiment":"neutral","sentiment_score":0.20939776301383972}],"average":{"sentiment":"neutral","sentiment_score":0.023419109407018444}}}}