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Thank you. No worries, honey. Thanks. How are you today? I do love a bit of phone tag myself, mate. Yes. Yes. Yes. Happy New Year. Happy New Year to you too. Yeah. So, look, I guess I just wanted to kind of I mean, I did sort of wanna catch up at the end of last year, and everyone was going on holidays. And so then, of course and then I've gotten distracted again as, you know, like, as you do. So but there was a couple of questions that I have for you, which I just wanna go through. Now I'm a bit vague. I sort of haven't eaten anything all day today, so I'm sort of and I'm multi skilling as we speak. But Yeah. Yeah. Well, I mean, there hasn't actually been any changes, but I guess, you know, I, you know, like, I I kind of, you know, I go through these stages where all of a sudden I'm like, oh, I gotta do something now. And then, you know, and then, of course, the time passes and it's like, oh, shit. Anyway, so I guess what I wanted to discuss with you today is a couple of things. One, I wanna know, like, what would be the best process, like, step by step, so to speak? If I wanna invest in a couple of different things Yeah. So and my thing is is real estate. It's not not really stocks and stuff like that. It's not that I don't wanna do any stocks and things like that, but I guess, you know, I I sort of feel that the current environment probably, you know, like, unless you really know what you're doing, you know, you probably could you could potentially just be throwing money at a dead horse. And, again, you know, the like so yeah. So so not so much wanting to worry about anything stocks or anything like that. What I am sort of wanting to kinda get a bit of a gift about is if I have money in the bank, which I do. I sort of am looking to get a loan, but just a sort of, like, a a an affordable house loan As in, like so I've been looking at a joint. It's a bit, you know, out in the middle of nowhere. There's a couple of other places that, you know, like, say say it was up to about maybe $3.20 or so, like, thousand dollars. So I think currently, like, I can I can probably get away without having to do my tax return and and and potentially get approval? So but my other thing is is that I still have, like, my other loan, which I have current which I've split, by the way. So I've split it to I think it's about 90,000 and 40,000. So this the 90,000 is fixed, and the 40,000 is a variable. The variable also has a, like, an off set account with about, I don't know, $1,617,000 dollars in it. So, I guess, just to reduce my tax oh, no. No. No. Just like so this is where I get confused. Like, there's just so many different things going on with money stuff. You know? As I'm sure you're aware, that's why I sorta get a little bit, like, confused, I guess, is the word. So so, basically, I've got my current loan. And like I said, one's 90, the other one's about 40. I might even get on there and have a look while I'm talking about it. And what my in the short the short of it, Tommy, is what I'm thinking is what I would like to do is get an additional loan for maybe maybe up to, like, 300,000, probably at the most, ideally. Yep. Just me. Just me by myself. And but then following that with the money that, I guess, that I have in the bank and then using what equity I have on my little house in Broomhill to put, like, a, like, a modular home on it. But but what I'm thinking is how is the best way to do that, and is there a best order? That makes sense? Yes. Well, I think it's gone up to probably at least 200, I'm guessing. But that's just a rough estimate. Like, that's like, that's not me looking at that's me kind of, you know, going yeah. I'm I'm not even sure at this moment, like because it used to show you on CommBank. Like, CommBank used to have, like, a little thing where it would show you what the current sort of general valuation is. It doesn't actually do that anymore. It should but anyway So I think it would be around about 200, maybe even a little bit more. Yes. Pretty much. Yes. Yeah. Yeah. Because it's like a three thousand 900 it's 3,920 meters, so it's plenty big enough. So I'm thinking a two by one. Yeah. Or even a little two by two. But, yeah, the two the two by ones are a lot cheaper. Well, it probably it it like, what I've looked at sorry. Yes. Yeah. Yes. And that's that's actually still the one that I'm looking at. And, I mean, even though it is about, you know, it is a little bit I'm I'm sure I've used this term with you be in the middle of a bum fuck, so to speak. But, like, you know, it it's still I kind of I just it still has a a mind that's going on out there. So I think still there's potential, but it's also kind of you know, it's an it's only two and a half hours out of the city. It's, you know, it's a very small town, you know, but it's, like, it's got, like, you know, you know, cutesy kind. It's it's a bit of a a lifestyle kind of change. But I think, like, that I reckon we could potentially get it for relatively cheap. And when I say cheap, I mean, like, maybe $2.40. And would I'd probably still wanna spend some money on it because it it ideally, I'd get it for even less than that and spend a bit, but, you know, I guess I'm just sort of overestimating what it would be potentially able to get it for. Yeah. Well, this is where I'm wanting that's why I'm sort of wanting to talk about it with this with someone who knows finances. So, you know, I kind of, I guess look. My like, you know how I've spoken to you about my current living circumstances. Well, the rent the the the actual property that I'm living in, we have just got it, like, until the end of until the June. So my you know how I had spoken to you about the lease running out and that they are gonna develop the property. Well, that is sort of coming to a head. And so, like, I guess, this is where I'm sort of wanting to speak to you directly because, you know, if I if I'm to put an offer in on Anyaba, which is that that joint, which I said is about worth of, you know, like, I wouldn't pay I don't wanna I would not pay any more than 240 for it. And, ideally, I'd pay, like, 200. So you know? And then, yes, spend a bit of money on it, but, you know, I don't mind living rough for a bit. That so that, you know, like, without having to actually spend, you know, more than, like, you know, $10,000 just to get it, like, up to scratch without too much you know, without actually making any improvement, so to speak. Yep. Yep. Yeah. No. It's I've got I've got, like, a 153 in, like, a GoldSaver account, which taxes me. Goddamn it. How rude. I mean, seriously. 17 in the offset. But yes. Yep. I I have. I have. So the last time I spoke to them and they we sort of talked about what my potential was. It was like I think the maximum was up to $4.20, but that was you know? And and so you kinda then I would potentially like, in anything over that, I would potentially need to go and get, like, all my tax to sort of get it past the bank. No. Well, that's what I thought. That's what I'm thinking. Well, I would say that the one down in Broomhill, well, it it it very much is variable. Like, I would say, though, that the one in Broomhill would probably be a lot easier to rent. The one that's in the smaller community in the Midwest is is a very small community. However, there is a mine that is starting well, actually, it's been going on for a while, but it's it's starting to what is it's like a rare earth refinery. So and it's, you know, in, like, a super small town. I think there's, like, a population of approximately, like, a 150, a 180 odd people. Like, it's small. Yeah. So the the that I know that that limits it a lot, especially with, like, rental potential. But I guess my other thing is is that I wouldn't mind just going there, dropping my shit, and then, you know, come and go as I play because it's like a it's it's pretty safe or I could just live there and with the mind starting sort of get some work. You know? I can get work any I mean, I can get work or I can sort of, you know, manage for a bit until I do get work. So this is why I wanted to speak to you just to sort of get them, like, clear, like, don't be a dickhead. So yep. Yeah. Yes. Yep. Yeah. Yep. Oh, no. Believe me. I'm I'm pretty keen to do that. But yeah. Yeah. Yeah. Yeah. Yes. Yes. It is. Yep. Yep. Okay. Yep. Yep. Okay. Okay. Yep. Okay. Yeah. No. That's no. That sounds good. But can I so but just another question? Money that I have in the bank, like, I mean, if I am wanting to, like, sort of with with this with this buying a property, like, the one that's in the Midwest, like, can I get the loan without actually using any of my savings unless do you know what I mean? Like, without touching my actual savings? Yep. Yep. Yes. Yeah. Okay. Yep. Yeah. Yeah. Yep. Yep. Yep. Yep. Still there. Yep. Okay. Okay. Yep. Yep. Yep. Yep. Okay. Okay. Another couple of other questions. So with my current GoldSaver account, you know, I'm getting taxed, but I'm a bit so what I'm what I'm worried about is potentially owing the tax man. So so I'm currently like, I think my current wage is, like, 87 and a half odd thousand plus excuse me. Sorry. One second. I'm just looking for pages. So 80 seven thousand. So yeah. So it's currently 87. And then also, I've got my small business, which, you know, makes up to about 19,000 per year. Normally, I've been able to get my tax under 18,000, so I don't actually have to pay GST or, like, do any vast statement stuff. So I guess so whatever that equals, so 87 plus, you know, 19, and I've just done another contract, so that adds up a little bit extra over that. So maybe 20 odd k. And then I think I had to pay like, because I've made that capital gains at and even though I did pay into my super, like, that 10 k, I think, I don't know, you know, but then I bought sorry. So, like, I'm I just sort of wanna know. Could you can you give me tax advice? Okay. You can give me tax information. Okay. Alright. That's okay then. That that's good. That's actually what I need anyway. Okay. Sorry. Yep. Yep. Yeah. Yeah. Yeah. Yep. Yes. Yes. Yes. Okay. Okay. So yeah. Because that's where I I kind of guess I'm sort of, you know, like, going, oh, dear. Just wait. I'm kind of teaching. And I think I sort of I think I lost a little bit of that income for about, you know, maybe a month or so anyway because I actually reduced my hours for about a month. So I was like, I think it dropped my body weight just down to, like, 60 it's nearly, like, losing one day. Like, one day a week, nearly dropped my wages down, like, near on $20,000 for a year. So what? That's crazy. Anyway, so that was, I guess, the other thing I was wanting to talk about was was yes. I just thought of my tax and okay. So that's a good idea in, like, what you said. If I do get a loan, it'll actually be able to offset that as a reduce that It I'm sorry. Sorry. I I can you say that again? Yep. Oh, they're such wankers. Okay. I know. Right? Yeah. Yep. Yep. Yep. Yep. Well, I might have to shuffle even somebody because that's just not that's not really acceptable for my liking. Every time I look at it, I'm like, just like, didn't they didn't they just make, like, a a 4.5 no. A $5,500,000,000 half year quarterly no. Half year profit net profit. Any no. But they anyway okay. So I definitely need to do some stuff about that then because I don't wanna actually have to pay any tax. So I well, not yeah. No. I definitely don't wanna pay tax. So as a short fix, like, that would obviously assist if I was to get a loan and then be able to offset that against the loan, and I would immediately stop paying tax on that. Does it then offset? But then, obviously, like you said, still have access to it. Okay. Okay. Yeah. Yeah. Well and because you know? And and I I mean, I I figure it's kind of, you know, with it being as cheap of a property as it is. Find work in, you know, like, but also take time to do that, mix up some bits and pieces. Yeah. Yep. And I think also even just with, like, even if it was only, like, losing, like, a month's work, you know, it had dropped my inch like, my income down, you know, even you know what I mean? Like, just to sort of even if it's dropped dropped by 8,000, you know, like, just because I'm not working for that month. Plus, obviously, having the benefit of having, like, a, you know, I guess, the offset and the cheaper cheaper combination and be able to, you know, have a secure rent and home. So, currently, it's actually pretty cheap because I we actually have one of the cheapest rentals in Broome. But so what I pay or what we pay is $5.50 per week. But the average rent in Broome is closer to about $1,000 per week. Yeah. Yep. Employment. Yeah. Well, that's and that's that's why I'm looking to actually go, like, cheap and affordable rather than, you know, like and I look. I don't I don't like, I mean, we don't we're not overly social people anyway. It's not what we do. Anyway, because it won't hurt to be a little bit remote in a quiet little town. Might be able to go shoot something. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Well, that that sounds good. I feel much better about having this conversation because at least it just sort of says just ease up, g. Calm down. You don't need to do it all at once. Yeah. Yeah. Yep. Yes. That's alright. Okay. Yeah. And I think that makes sense anyway because, I mean, I was sort of thinking, like, with the, like, with the Broomhill, you know, but, I mean, I need I just wanna be able to have somewhere to go to at this point in time. So will that impact sorry? Yeah. That's right. Yeah. Absolutely. Been going on way too long in my mind. So oh, god. What was this? I was thinking of, like, when I speak to my broker, like, obviously, you mentioned about do not cross collateralize so that if one thing goes to ship, it all goes down. But what's the story with if I like, do I am I better off sort of applying for the loan and then letting them know that it is going to be an investment or that I am gonna go live there? What's the yep. Yep. Yeah. Okay. Okay. I'll move on. Yep. Okay. So you're cashing out your equity. Is that right? Somewhat? Okay. Okay. Okay. Alright. Yeah. That sounds good. Yep. Yep. Yep. Yep. Yep. Okay. Got it. Okay. No. It's just an it's just an ego side. Yeah. Yep. Yep. Yep. Okay. Yeah. That's right. Yeah. Because I'm like currently, I'm sort of just like I'm like, what? What do you mean? Like, because I I'm earning $517 interest and they're taking $2.60 out. That's I'm gonna ask them. Anyway but, yeah, no. That is good. I'm glad to hear that. That's that makes sense to me. Yep. Yep. Yep. Yep. Okay. Okay. Well, thank you for your help today with the thought process around all that. No. You're alright. That's all good. We got there in the end. Yes. I am. Thank you. I am happy with that. Alright. Thank you again, and I will speak to you soon. Yep. What? Okay. Yep. No worries. That sounds good. Thanks very much, Tommy. See you. 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Samantha. I just Tommy just called me, and my phone, I just missed it by a second. Yes. It is. Thanks.\n\nOkeydoke. It is the 1978, and my residential address is 2 4th Street, Room W A 6725. Thank you. No worries, honey. Thanks.\n\nHow are you today? I do love a bit of phone tag myself, mate. Yes. Yes. Yes.\n\nHappy New Year. Happy New Year to you too. Yeah. So, look, I guess I just wanted to kind of I mean, I did sort of wanna catch up at the end of last year, and everyone was going on holidays. And so then, of course and then I've gotten distracted again as, you know, like, as you do.\n\nSo but there was a couple of questions that I have for you, which I just wanna go through. Now I'm a bit vague. I sort of haven't eaten anything all day today, so I'm sort of and I'm multi skilling as we speak. But Yeah. Yeah.\n\nWell, I mean, there hasn't actually been any changes, but I guess, you know, I, you know, like, I I kind of, you know, I go through these stages where all of a sudden I'm like, oh, I gotta do something now. And then, you know, and then, of course, the time passes and it's like, oh, shit. Anyway, so I guess what I wanted to discuss with you today is a couple of things. One, I wanna know, like, what would be the best process, like, step by step, so to speak? If I wanna invest in a couple of different things Yeah.\n\nSo and my thing is is real estate. It's not not really stocks and stuff like that. It's not that I don't wanna do any stocks and things like that, but I guess, you know, I I sort of feel that the current environment probably, you know, like, unless you really know what you're doing, you know, you probably could you could potentially just be throwing money at a dead horse. And, again, you know, the like so yeah. So so not so much wanting to worry about anything stocks or anything like that.\n\nWhat I am sort of wanting to kinda get a bit of a gift about is if I have money in the bank, which I do. I sort of am looking to get a loan, but just a sort of, like, a a an affordable house loan As in, like so I've been looking at a joint. It's a bit, you know, out in the middle of nowhere. There's a couple of other places that, you know, like, say say it was up to about maybe $3.20 or so, like, thousand dollars. So I think currently, like, I can I can probably get away without having to do my tax return and and and potentially get approval?\n\nSo but my other thing is is that I still have, like, my other loan, which I have current which I've split, by the way. So I've split it to I think it's about 90,000 and 40,000. So this the 90,000 is fixed, and the 40,000 is a variable. The variable also has a, like, an off set account with about, I don't know, $1,617,000 dollars in it. So, I guess, just to reduce my tax oh, no.\n\nNo. No. Just like so this is where I get confused. Like, there's just so many different things going on with money stuff. You know?\n\nAs I'm sure you're aware, that's why I sorta get a little bit, like, confused, I guess, is the word. So so, basically, I've got my current loan. And like I said, one's 90, the other one's about 40. I might even get on there and have a look while I'm talking about it. And what my in the short the short of it, Tommy, is what I'm thinking is what I would like to do is get an additional loan for maybe maybe up to, like, 300,000, probably at the most, ideally.\n\nYep. Just me. Just me by myself. And but then following that with the money that, I guess, that I have in the bank and then using what equity I have on my little house in Broomhill to put, like, a, like, a modular home on it. But but what I'm thinking is how is the best way to do that, and is there a best order?\n\nThat makes sense? Yes. Well, I think it's gone up to probably at least 200, I'm guessing. But that's just a rough estimate. Like, that's like, that's not me looking at that's me kind of, you know, going yeah.\n\nI'm I'm not even sure at this moment, like because it used to show you on CommBank. Like, CommBank used to have, like, a little thing where it would show you what the current sort of general valuation is. It doesn't actually do that anymore. It should but anyway So I think it would be around about 200, maybe even a little bit more. Yes.\n\nPretty much. Yes. Yeah. Yeah. Because it's like a three thousand 900 it's 3,920 meters, so it's plenty big enough.\n\nSo I'm thinking a two by one. Yeah. Or even a little two by two. But, yeah, the two the two by ones are a lot cheaper. Well, it probably it it like, what I've looked at sorry.\n\nYes. Yeah. Yes. And that's that's actually still the one that I'm looking at. And, I mean, even though it is about, you know, it is a little bit I'm I'm sure I've used this term with you be in the middle of a bum fuck, so to speak.\n\nBut, like, you know, it it's still I kind of I just it still has a a mind that's going on out there. So I think still there's potential, but it's also kind of you know, it's an it's only two and a half hours out of the city. It's, you know, it's a very small town, you know, but it's, like, it's got, like, you know, you know, cutesy kind. It's it's a bit of a a lifestyle kind of change. But I think, like, that I reckon we could potentially get it for relatively cheap.\n\nAnd when I say cheap, I mean, like, maybe $2.40. And would I'd probably still wanna spend some money on it because it it ideally, I'd get it for even less than that and spend a bit, but, you know, I guess I'm just sort of overestimating what it would be potentially able to get it for. Yeah. Well, this is where I'm wanting that's why I'm sort of wanting to talk about it with this with someone who knows finances. So, you know, I kind of, I guess look.\n\nMy like, you know how I've spoken to you about my current living circumstances. Well, the rent the the the actual property that I'm living in, we have just got it, like, until the end of until the June. So my you know how I had spoken to you about the lease running out and that they are gonna develop the property. Well, that is sort of coming to a head. And so, like, I guess, this is where I'm sort of wanting to speak to you directly because, you know, if I if I'm to put an offer in on Anyaba, which is that that joint, which I said is about worth of, you know, like, I wouldn't pay I don't wanna I would not pay any more than 240 for it.\n\nAnd, ideally, I'd pay, like, 200. So you know? And then, yes, spend a bit of money on it, but, you know, I don't mind living rough for a bit. That so that, you know, like, without having to actually spend, you know, more than, like, you know, $10,000 just to get it, like, up to scratch without too much you know, without actually making any improvement, so to speak. Yep.\n\nYep. Yeah. No. It's I've got I've got, like, a 153 in, like, a GoldSaver account, which taxes me. Goddamn it.\n\nHow rude. I mean, seriously. 17 in the offset. But yes. Yep.\n\nI I have. I have. So the last time I spoke to them and they we sort of talked about what my potential was. It was like I think the maximum was up to $4.20, but that was you know? And and so you kinda then I would potentially like, in anything over that, I would potentially need to go and get, like, all my tax to sort of get it past the bank.\n\nNo. Well, that's what I thought. That's what I'm thinking. Well, I would say that the one down in Broomhill, well, it it it very much is variable. Like, I would say, though, that the one in Broomhill would probably be a lot easier to rent.\n\nThe one that's in the smaller community in the Midwest is is a very small community. However, there is a mine that is starting well, actually, it's been going on for a while, but it's it's starting to what is it's like a rare earth refinery. So and it's, you know, in, like, a super small town. I think there's, like, a population of approximately, like, a 150, a 180 odd people. Like, it's small.\n\nYeah. So the the that I know that that limits it a lot, especially with, like, rental potential. But I guess my other thing is is that I wouldn't mind just going there, dropping my shit, and then, you know, come and go as I play because it's like a it's it's pretty safe or I could just live there and with the mind starting sort of get some work. You know? I can get work any I mean, I can get work or I can sort of, you know, manage for a bit until I do get work.\n\nSo this is why I wanted to speak to you just to sort of get them, like, clear, like, don't be a dickhead. So yep. Yeah. Yes. Yep.\n\nYeah. Yep. Oh, no. Believe me. I'm I'm pretty keen to do that.\n\nBut yeah. Yeah. Yeah. Yeah. Yes.\n\nYes. It is. Yep. Yep. Okay.\n\nYep. Yep. Okay. Okay. Yep.\n\nOkay. Yeah. No. That's no. That sounds good.\n\nBut can I so but just another question? Money that I have in the bank, like, I mean, if I am wanting to, like, sort of with with this with this buying a property, like, the one that's in the Midwest, like, can I get the loan without actually using any of my savings unless do you know what I mean? Like, without touching my actual savings? Yep. Yep.\n\nYes. Yeah. Okay. Yep. Yeah.\n\nYeah. Yep. Yep. Yep. Yep.\n\nStill there. Yep. Okay. Okay. Yep.\n\nYep. Yep. Yep. Okay. Okay.\n\nAnother couple of other questions. So with my current GoldSaver account, you know, I'm getting taxed, but I'm a bit so what I'm what I'm worried about is potentially owing the tax man. So so I'm currently like, I think my current wage is, like, 87 and a half odd thousand plus excuse me. Sorry. One second.\n\nI'm just looking for pages. So 80 seven thousand. So yeah. So it's currently 87. And then also, I've got my small business, which, you know, makes up to about 19,000 per year.\n\nNormally, I've been able to get my tax under 18,000, so I don't actually have to pay GST or, like, do any vast statement stuff. So I guess so whatever that equals, so 87 plus, you know, 19, and I've just done another contract, so that adds up a little bit extra over that. So maybe 20 odd k. And then I think I had to pay like, because I've made that capital gains at and even though I did pay into my super, like, that 10 k, I think, I don't know, you know, but then I bought sorry. So, like, I'm I just sort of wanna know.\n\nCould you can you give me tax advice? Okay. You can give me tax information. Okay. Alright.\n\nThat's okay then. That that's good. That's actually what I need anyway. Okay. Sorry.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nYep. Yes. Yes. Yes. Okay.\n\nOkay. So yeah. Because that's where I I kind of guess I'm sort of, you know, like, going, oh, dear. Just wait. I'm kind of teaching.\n\nAnd I think I sort of I think I lost a little bit of that income for about, you know, maybe a month or so anyway because I actually reduced my hours for about a month. So I was like, I think it dropped my body weight just down to, like, 60 it's nearly, like, losing one day. Like, one day a week, nearly dropped my wages down, like, near on $20,000 for a year. So what? That's crazy.\n\nAnyway, so that was, I guess, the other thing I was wanting to talk about was was yes. I just thought of my tax and okay. So that's a good idea in, like, what you said. If I do get a loan, it'll actually be able to offset that as a reduce that It I'm sorry. Sorry.\n\nI I can you say that again? Yep. Oh, they're such wankers. Okay. I know.\n\nRight? Yeah. Yep. Yep. Yep.\n\nYep. Well, I might have to shuffle even somebody because that's just not that's not really acceptable for my liking. Every time I look at it, I'm like, just like, didn't they didn't they just make, like, a a 4.5 no. A $5,500,000,000 half year quarterly no. Half year profit net profit.\n\nAny no. But they anyway okay. So I definitely need to do some stuff about that then because I don't wanna actually have to pay any tax. So I well, not yeah. No.\n\nI definitely don't wanna pay tax. So as a short fix, like, that would obviously assist if I was to get a loan and then be able to offset that against the loan, and I would immediately stop paying tax on that. Does it then offset? But then, obviously, like you said, still have access to it. Okay.\n\nOkay. Yeah. Yeah. Well and because you know? And and I I mean, I I figure it's kind of, you know, with it being as cheap of a property as it is.\n\nFind work in, you know, like, but also take time to do that, mix up some bits and pieces. Yeah. Yep. And I think also even just with, like, even if it was only, like, losing, like, a month's work, you know, it had dropped my inch like, my income down, you know, even you know what I mean? Like, just to sort of even if it's dropped dropped by 8,000, you know, like, just because I'm not working for that month.\n\nPlus, obviously, having the benefit of having, like, a, you know, I guess, the offset and the cheaper cheaper combination and be able to, you know, have a secure rent and home. So, currently, it's actually pretty cheap because I we actually have one of the cheapest rentals in Broome. But so what I pay or what we pay is $5.50 per week. But the average rent in Broome is closer to about $1,000 per week. Yeah.\n\nYep. Employment. Yeah. Well, that's and that's that's why I'm looking to actually go, like, cheap and affordable rather than, you know, like and I look. I don't I don't like, I mean, we don't we're not overly social people anyway.\n\nIt's not what we do. Anyway, because it won't hurt to be a little bit remote in a quiet little town. Might be able to go shoot something. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Okay.\n\nWell, that that sounds good. I feel much better about having this conversation because at least it just sort of says just ease up, g. Calm down. You don't need to do it all at once. Yeah.\n\nYeah. Yep. Yes. That's alright. Okay.\n\nYeah. And I think that makes sense anyway because, I mean, I was sort of thinking, like, with the, like, with the Broomhill, you know, but, I mean, I need I just wanna be able to have somewhere to go to at this point in time. So will that impact sorry? Yeah. That's right.\n\nYeah. Absolutely. Been going on way too long in my mind. So oh, god. What was this?\n\nI was thinking of, like, when I speak to my broker, like, obviously, you mentioned about do not cross collateralize so that if one thing goes to ship, it all goes down. But what's the story with if I like, do I am I better off sort of applying for the loan and then letting them know that it is going to be an investment or that I am gonna go live there? What's the yep. Yep. Yeah.\n\nOkay. Okay. I'll move on. Yep. Okay.\n\nSo you're cashing out your equity. Is that right? Somewhat? Okay. Okay.\n\nOkay. Alright. Yeah. That sounds good. Yep.\n\nYep. Yep. Yep. Yep. Okay.\n\nGot it. Okay. No. It's just an it's just an ego side. Yeah.\n\nYep. Yep. Yep. Okay. Yeah.\n\nThat's right. Yeah. Because I'm like currently, I'm sort of just like I'm like, what? What do you mean? Like, because I I'm earning $517 interest and they're taking $2.60 out.\n\nThat's I'm gonna ask them. Anyway but, yeah, no. That is good. I'm glad to hear that. That's that makes sense to me.\n\nYep. Yep. Yep. Yep. Okay.\n\nOkay. Well, thank you for your help today with the thought process around all that. No. You're alright. That's all good.\n\nWe got there in the end. Yes. I am. Thank you. I am happy with that.\n\nAlright. Thank you again, and I will speak to you soon. Yep. What? Okay.\n\nYep. No worries. That sounds good. Thanks very much, Tommy. See you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hey, Samantha.","start":5.8399997,"end":6.58,"sentiment":"neutral","sentiment_score":0.026202536188066006},{"text":"I just Tommy just called me, and my phone, I just missed it by a second.","start":6.64,"end":12.9,"sentiment":"neutral","sentiment_score":0.001909963903017342},{"text":"Yes.","start":16.615,"end":16.935,"sentiment":"neutral","sentiment_score":0.10078677535057068},{"text":"It is.","start":16.935,"end":17.255001,"sentiment":"neutral","sentiment_score":0.1277223490178585},{"text":"Thanks.","start":17.255001,"end":17.755001,"sentiment":"positive","sentiment_score":0.346645712852478}],"sentiment":"neutral","sentiment_score":0.03572007641196251,"num_words":22,"start":5.8399997,"end":17.755001},{"sentences":[{"text":"Okeydoke.","start":23.255001,"end":23.755001,"sentiment":"neutral","sentiment_score":0.04522610828280449},{"text":"It is the 1978, and my residential address is 2 4th Street, Room W A 6725.","start":23.975,"end":33.35,"sentiment":"neutral","sentiment_score":0.0474218939198181},{"text":"Thank you.","start":36.21,"end":37.03,"sentiment":"positive","sentiment_score":0.37218761444091797},{"text":"No worries, honey.","start":52.265,"end":53.225,"sentiment":"neutral","sentiment_score":0.20721436540285745},{"text":"Thanks.","start":53.225,"end":53.725,"sentiment":"positive","sentiment_score":0.3744301199913025}],"sentiment":"neutral","sentiment_score":0.11062716765572196,"num_words":23,"start":23.255001,"end":53.725},{"sentences":[{"text":"How are you today?","start":54.504997,"end":55.485,"sentiment":"positive","sentiment_score":0.3396006375551224},{"text":"I do love a bit of phone tag myself, mate.","start":68.08,"end":70.659996,"sentiment":"positive","sentiment_score":0.4803918480873108},{"text":"Yes.","start":81.634995,"end":82.134995,"sentiment":"neutral","sentiment_score":0.2899720072746277},{"text":"Yes.","start":82.195,"end":82.674995,"sentiment":"neutral","sentiment_score":0.15277132391929626},{"text":"Yes.","start":82.674995,"end":83.155,"sentiment":"neutral","sentiment_score":0.19692662358283997}],"sentiment":"positive","sentiment_score":0.4001171168159036,"num_words":17,"start":54.504997,"end":83.155},{"sentences":[{"text":"Happy New Year.","start":83.155,"end":84.115,"sentiment":"neutral","sentiment_score":0.27832598487536114},{"text":"Happy New Year to you too.","start":84.115,"end":85.895,"sentiment":"neutral","sentiment_score":0.32992085814476013},{"text":"Yeah.","start":87.21,"end":87.53,"sentiment":"neutral","sentiment_score":0.04621388018131256},{"text":"So, look, I guess I just wanted to kind of I mean, I did sort of wanna catch up at the end of last year, and everyone was going on holidays.","start":87.53,"end":96.19,"sentiment":"neutral","sentiment_score":0.008452265493331416},{"text":"And so then, of course and then I've gotten distracted again as, you know, like, as you do.","start":98.41,"end":104.825,"sentiment":"neutral","sentiment_score":-0.028948605991899967}],"sentiment":"neutral","sentiment_score":0.04409597129008527,"num_words":59,"start":83.155,"end":104.825},{"sentences":[{"text":"So but there was a couple of questions that I have for you, which I just wanna go through.","start":106.405,"end":111.705,"sentiment":"neutral","sentiment_score":0.011306615056175934},{"text":"Now I'm a bit vague.","start":113.6,"end":114.72,"sentiment":"neutral","sentiment_score":-0.13832180425524712},{"text":"I sort of haven't eaten anything all day today, so I'm sort of and I'm multi skilling as we speak.","start":114.72,"end":121.94,"sentiment":"neutral","sentiment_score":-0.16107555031776427},{"text":"But Yeah.","start":122.64,"end":141.17,"sentiment":"neutral","sentiment_score":0.08427674323320389},{"text":"Yeah.","start":141.17,"end":141.41,"sentiment":"neutral","sentiment_score":0.06542667746543884}],"sentiment":"neutral","sentiment_score":-0.07370881229004961,"num_words":47,"start":106.405,"end":141.41},{"sentences":[{"text":"Well, I mean, there hasn't actually been any changes, but I guess, you know, I, you know, like, I I kind of, you know, I go through these stages where all of a sudden I'm like, oh, I gotta do something now.","start":141.41,"end":155.61499,"sentiment":"neutral","sentiment_score":-0.013693509357316154},{"text":"And then, you know, and then, of course, the time passes and it's like, oh, shit.","start":157.355,"end":161.61,"sentiment":"neutral","sentiment_score":-0.0619586321990937},{"text":"Anyway, so I guess what I wanted to discuss with you today is a couple of things.","start":161.85,"end":167.31,"sentiment":"neutral","sentiment_score":0.1692178065285963},{"text":"One, I wanna know, like, what would be the best process, like, step by step, so to speak?","start":170.33,"end":178.105,"sentiment":"neutral","sentiment_score":0.12221316869060199},{"text":"If I wanna invest in a couple of different things Yeah.","start":178.645,"end":183.305,"sentiment":"neutral","sentiment_score":0.0780773132362149}],"sentiment":"neutral","sentiment_score":0.04200889120021692,"num_words":104,"start":141.41,"end":183.305},{"sentences":[{"text":"So and my thing is is real estate.","start":183.685,"end":188.325,"sentiment":"neutral","sentiment_score":0.11359475739300251},{"text":"It's not not really stocks and stuff like that.","start":188.325,"end":191.14,"sentiment":"neutral","sentiment_score":-0.06741813611653116},{"text":"It's not that I don't wanna do any stocks and things like that, but I guess, you know, I I sort of feel that the current environment probably, you know, like, unless you really know what you're doing, you know, you probably could you could potentially just be throwing money at a dead horse.","start":192.08,"end":215.18,"sentiment":"neutral","sentiment_score":-0.2894491507085385},{"text":"And, again, you know, the like so yeah.","start":217.0,"end":222.36,"sentiment":"neutral","sentiment_score":-0.05614407919347286},{"text":"So so not so much wanting to worry about anything stocks or anything like that.","start":222.36,"end":227.89499,"sentiment":"neutral","sentiment_score":-0.17762832691272099}],"sentiment":"neutral","sentiment_score":-0.19618975363196212,"num_words":94,"start":183.685,"end":227.89499},{"sentences":[{"text":"What I am sort of wanting to kinda get a bit of a gift about is if I have money in the bank, which I do.","start":229.075,"end":240.73,"sentiment":"neutral","sentiment_score":0.22331970672194773},{"text":"I sort of am looking to get a loan, but just a sort of, like, a a an affordable house loan As in, like so I've been looking at a joint.","start":243.19,"end":260.67502,"sentiment":"neutral","sentiment_score":0.19472432256706299},{"text":"It's a bit, you know, out in the middle of nowhere.","start":260.67502,"end":265.815,"sentiment":"neutral","sentiment_score":0.08669602456079288},{"text":"There's a couple of other places that, you know, like, say say it was up to about maybe $3.20 or so, like, thousand dollars.","start":266.18,"end":273.24002,"sentiment":"neutral","sentiment_score":0.05434373416937888},{"text":"So I think currently, like, I can I can probably get away without having to do my tax return and and and potentially get approval?","start":274.42,"end":286.92502,"sentiment":"neutral","sentiment_score":0.11318857178092002}],"sentiment":"neutral","sentiment_score":0.1447041586248411,"num_words":117,"start":229.075,"end":286.92502},{"sentences":[{"text":"So but my other thing is is that I still have, like, my other loan, which I have current which I've split, by the way.","start":289.14502,"end":298.67,"sentiment":"neutral","sentiment_score":0.0671415463089943},{"text":"So I've split it to I think it's about 90,000 and 40,000.","start":300.89,"end":307.515,"sentiment":"neutral","sentiment_score":0.0868343139688174},{"text":"So this the 90,000 is fixed, and the 40,000 is a variable.","start":307.755,"end":315.535,"sentiment":"neutral","sentiment_score":0.04900735896080732},{"text":"The variable also has a, like, an off set account with about, I don't know, $1,617,000 dollars in it.","start":317.11502,"end":326.25,"sentiment":"neutral","sentiment_score":0.039228128238679154},{"text":"So, I guess, just to reduce my tax oh, no.","start":326.25,"end":332.65,"sentiment":"neutral","sentiment_score":-0.06267688311636448}],"sentiment":"neutral","sentiment_score":0.04393851715707196,"num_words":78,"start":289.14502,"end":332.65},{"sentences":[{"text":"No.","start":332.65,"end":332.88998,"sentiment":"neutral","sentiment_score":-0.33298856019973755},{"text":"No.","start":332.88998,"end":333.05,"sentiment":"negative","sentiment_score":-0.4329705834388733},{"text":"Just like so this is where I get confused.","start":333.05,"end":335.085,"sentiment":"negative","sentiment_score":-0.42996107538541156},{"text":"Like, there's just so many different things going on with money stuff.","start":335.085,"end":337.965,"sentiment":"neutral","sentiment_score":-0.25697674105564755},{"text":"You know?","start":337.965,"end":338.625,"sentiment":"neutral","sentiment_score":-0.15867754071950912}],"sentiment":"neutral","sentiment_score":-0.32146739184856415,"num_words":25,"start":332.65,"end":338.625},{"sentences":[{"text":"As I'm sure you're aware, that's why I sorta get a little bit, like, confused, I guess, is the word.","start":339.325,"end":347.905,"sentiment":"neutral","sentiment_score":-0.2240817081183195},{"text":"So so, basically, I've got my current loan.","start":351.03,"end":358.89,"sentiment":"neutral","sentiment_score":-0.02457815210800618},{"text":"And like I said, one's 90, the other one's about 40.","start":361.27,"end":365.49503,"sentiment":"neutral","sentiment_score":0.02125595895234834},{"text":"I might even get on there and have a look while I'm talking about it.","start":365.55502,"end":368.61502,"sentiment":"neutral","sentiment_score":0.07952667151888211},{"text":"And what my in the short the short of it, Tommy, is what I'm thinking is what I would like to do is get an additional loan for maybe maybe up to, like, 300,000, probably at the most, ideally.","start":372.355,"end":389.595,"sentiment":"neutral","sentiment_score":0.1411928809606112}],"sentiment":"neutral","sentiment_score":0.024247081714972692,"num_words":93,"start":339.325,"end":389.595},{"sentences":[{"text":"Yep.","start":390.61502,"end":391.095,"sentiment":"neutral","sentiment_score":0.17150437831878662},{"text":"Just me.","start":391.095,"end":391.89502,"sentiment":"neutral","sentiment_score":0.1311812773346901},{"text":"Just me by myself.","start":391.89502,"end":393.195,"sentiment":"neutral","sentiment_score":0.1173069141805172},{"text":"And but then following that with the money that, I guess, that I have in the bank and then using what equity I have on my little house in Broomhill to put, like, a, like, a modular home on it.","start":394.935,"end":417.405,"sentiment":"neutral","sentiment_score":0.1257564753293991},{"text":"But but what I'm thinking is how is the best way to do that, and is there a best order?","start":419.805,"end":424.705,"sentiment":"neutral","sentiment_score":0.058923028595745566}],"sentiment":"neutral","sentiment_score":0.10614648022091211,"num_words":67,"start":390.61502,"end":424.705},{"sentences":[{"text":"That makes sense?","start":427.645,"end":428.625,"sentiment":"neutral","sentiment_score":0.16845402618249258},{"text":"Yes.","start":441.07,"end":441.57,"sentiment":"neutral","sentiment_score":0.03853343054652214},{"text":"Well, I think it's gone up to probably at least 200, I'm guessing.","start":446.895,"end":452.275,"sentiment":"neutral","sentiment_score":-0.06729309318157342},{"text":"But that's just a rough estimate.","start":452.335,"end":454.035,"sentiment":"neutral","sentiment_score":-0.13084703932205835},{"text":"Like, that's like, that's not me looking at that's me kind of, you know, going yeah.","start":454.255,"end":464.99,"sentiment":"neutral","sentiment_score":-0.1330256713554263}],"sentiment":"neutral","sentiment_score":-0.08318994050988784,"num_words":39,"start":427.645,"end":464.99},{"sentences":[{"text":"I'm I'm not even sure at this moment, like because it used to show you on CommBank.","start":465.05,"end":469.85,"sentiment":"neutral","sentiment_score":-0.15756450286682913},{"text":"Like, CommBank used to have, like, a little thing where it would show you what the current sort of general valuation is.","start":469.85,"end":476.745,"sentiment":"neutral","sentiment_score":-0.12444889105179092},{"text":"It doesn't actually do that anymore.","start":477.125,"end":479.465,"sentiment":"neutral","sentiment_score":-0.21161642422278723},{"text":"It should but anyway So I think it would be around about 200, maybe even a little bit more.","start":480.56497,"end":492.62,"sentiment":"neutral","sentiment_score":-0.09937639377619091},{"text":"Yes.","start":505.815,"end":506.315,"sentiment":"neutral","sentiment_score":0.09375058114528656}],"sentiment":"neutral","sentiment_score":-0.13047033227407015,"num_words":65,"start":465.05,"end":506.315},{"sentences":[{"text":"Pretty much.","start":517.25,"end":518.07,"sentiment":"neutral","sentiment_score":0.11038156971335411},{"text":"Yes.","start":518.61,"end":518.85,"sentiment":"neutral","sentiment_score":0.07860258221626282},{"text":"Yeah.","start":518.85,"end":519.35,"sentiment":"neutral","sentiment_score":0.057359110563993454},{"text":"Yeah.","start":522.44995,"end":522.76996,"sentiment":"neutral","sentiment_score":0.04570338875055313},{"text":"Because it's like a three thousand 900 it's 3,920 meters, so it's plenty big enough.","start":522.76996,"end":528.27496,"sentiment":"neutral","sentiment_score":0.12630982597668966}],"sentiment":"neutral","sentiment_score":0.11485378053039312,"num_words":20,"start":517.25,"end":528.27496},{"sentences":[{"text":"So I'm thinking a two by one.","start":536.575,"end":538.175,"sentiment":"neutral","sentiment_score":0.05532502170119967},{"text":"Yeah.","start":538.175,"end":538.675,"sentiment":"neutral","sentiment_score":0.16228824853897095},{"text":"Or even a little two by two.","start":539.21497,"end":540.96,"sentiment":"neutral","sentiment_score":0.11046487412282399},{"text":"But, yeah, the two the two by ones are a lot cheaper.","start":544.4,"end":546.98004,"sentiment":"neutral","sentiment_score":0.12905485990146795},{"text":"Well, it probably it it like, what I've looked at sorry.","start":554.685,"end":566.305,"sentiment":"neutral","sentiment_score":0.002934615889733488}],"sentiment":"neutral","sentiment_score":0.0764146477082058,"num_words":38,"start":536.575,"end":566.305},{"sentences":[{"text":"Yes.","start":573.67004,"end":574.17004,"sentiment":"neutral","sentiment_score":0.009049400687217712},{"text":"Yeah.","start":575.19,"end":575.69,"sentiment":"neutral","sentiment_score":0.021105673164129257},{"text":"Yes.","start":577.75,"end":578.23004,"sentiment":"neutral","sentiment_score":0.015616243705153464},{"text":"And that's that's actually still the one that I'm looking at.","start":578.23004,"end":581.19,"sentiment":"neutral","sentiment_score":-0.020745950539342382},{"text":"And, I mean, even though it is about, you know, it is a little bit I'm I'm sure I've used this term with you be in the middle of a bum fuck, so to 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change.","start":623.405,"end":629.62,"sentiment":"neutral","sentiment_score":0.19181442667137494},{"text":"But I think, like, that I reckon we could potentially get it for relatively cheap.","start":630.0,"end":634.0,"sentiment":"neutral","sentiment_score":0.3238718609015147}],"sentiment":"neutral","sentiment_score":0.1292755415221465,"num_words":97,"start":596.79004,"end":634.0},{"sentences":[{"text":"And when I say cheap, I mean, like, maybe $2.40.","start":634.0,"end":636.82,"sentiment":"neutral","sentiment_score":0.10336506813764572},{"text":"And would I'd probably still wanna spend some money on it because it it ideally, I'd get it for even less than that and spend a bit, but, you know, I guess I'm just sort of overestimating what it would be potentially able to get it for.","start":640.29504,"end":665.86,"sentiment":"neutral","sentiment_score":0.039804784462172935},{"text":"Yeah.","start":665.86,"end":666.36,"sentiment":"neutral","sentiment_score":0.056420862674713135},{"text":"Well, this is where I'm wanting that's why I'm sort of wanting to talk about it with this with someone who knows finances.","start":672.515,"end":679.415,"sentiment":"neutral","sentiment_score":0.06365560950792354},{"text":"So, you know, I kind of, I guess look.","start":681.39496,"end":685.5,"sentiment":"neutral","sentiment_score":0.015727477976017527}],"sentiment":"neutral","sentiment_score":0.050739141491552196,"num_words":90,"start":634.0,"end":685.5},{"sentences":[{"text":"My like, you know how I've spoken to you about my current living circumstances.","start":686.60004,"end":691.5,"sentiment":"neutral","sentiment_score":-0.04309493828830974},{"text":"Well, the rent the the the actual property that I'm living in, we have just got it, like, until the end of until the 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speak.","start":760.215,"end":782.74506,"sentiment":"neutral","sentiment_score":0.11925067640841007},{"text":"Yep.","start":791.60504,"end":792.0,"sentiment":"neutral","sentiment_score":0.04265858978033066}],"sentiment":"neutral","sentiment_score":0.08266254477727582,"num_words":71,"start":745.44,"end":792.0},{"sentences":[{"text":"Yep.","start":801.28,"end":801.78,"sentiment":"neutral","sentiment_score":0.009652922861278055},{"text":"Yeah.","start":812.335,"end":812.835,"sentiment":"neutral","sentiment_score":-0.017906812950968742},{"text":"No.","start":824.27,"end":824.59,"sentiment":"neutral","sentiment_score":-0.13421161472797394},{"text":"It's I've got I've got, like, a 153 in, like, a GoldSaver account, which taxes me.","start":824.59,"end":832.39496,"sentiment":"neutral","sentiment_score":-0.0024847090244293213},{"text":"Goddamn 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savings?","start":1213.4,"end":1215.5,"sentiment":"neutral","sentiment_score":-0.047635249172647796},{"text":"Yep.","start":1225.4451,"end":1225.9451,"sentiment":"neutral","sentiment_score":0.18881264328956604},{"text":"Yep.","start":1226.005,"end":1226.505,"sentiment":"neutral","sentiment_score":0.19917088747024536}],"sentiment":"neutral","sentiment_score":-0.0027131369148475537,"num_words":69,"start":1186.09,"end":1226.505},{"sentences":[{"text":"Yes.","start":1239.3999,"end":1239.8999,"sentiment":"neutral","sentiment_score":0.29904964566230774},{"text":"Yeah.","start":1248.615,"end":1249.115,"sentiment":"neutral","sentiment_score":0.10174717009067535},{"text":"Okay.","start":1260.63,"end":1261.13,"sentiment":"neutral","sentiment_score":0.05726220831274986},{"text":"Yep.","start":1282.295,"end":1282.775,"sentiment":"neutral","sentiment_score":0.1326288878917694},{"text":"Yeah.","start":1282.775,"end":1283.275,"sentiment":"neutral","sentiment_score":0.15114261209964752}],"sentiment":"neutral","sentiment_score":0.14836610481142998,"num_words":5,"start":1239.3999,"end":1283.275},{"sentences":[{"text":"Yeah.","start":1283.3351,"end":1283.58,"sentiment":"neutral","sentiment_score":0.2216041684150696},{"text":"Yep.","start":1293.6599,"end":1294.1599,"sentiment":"neutral","sentiment_score":0.06683842837810516},{"text":"Yep.","start":1296.7799,"end":1297.065,"sentiment":"neutral","sentiment_score":0.15170107781887054},{"text":"Yep.","start":1309.1449,"end":1309.6449,"sentiment":"positive","sentiment_score":0.3429153561592102},{"text":"Yep.","start":1309.7849,"end":1310.2849,"sentiment":"neutral","sentiment_score":0.22602412104606628}],"sentiment":"neutral","sentiment_score":0.20181663036346437,"num_words":5,"start":1283.3351,"end":1310.2849},{"sentences":[{"text":"Still 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couple of other questions.","start":1343.78,"end":1346.04,"sentiment":"neutral","sentiment_score":-0.00431540347635746},{"text":"So with my current GoldSaver account, you know, I'm getting taxed, but I'm a bit so what I'm what I'm worried about is potentially owing the tax man.","start":1348.82,"end":1364.705,"sentiment":"neutral","sentiment_score":-0.16882005538043035},{"text":"So so I'm currently like, I think my current wage is, like, 87 and a half odd thousand plus excuse me.","start":1366.6849,"end":1382.5701,"sentiment":"neutral","sentiment_score":-0.06424484455159732},{"text":"Sorry.","start":1382.5701,"end":1382.89,"sentiment":"neutral","sentiment_score":-0.07714267075061798},{"text":"One second.","start":1382.89,"end":1383.53,"sentiment":"neutral","sentiment_score":-0.060434065759181976}],"sentiment":"neutral","sentiment_score":-0.1104507211559011,"num_words":57,"start":1343.78,"end":1383.53},{"sentences":[{"text":"I'm just looking for pages.","start":1383.53,"end":1386.245,"sentiment":"neutral","sentiment_score":-0.06069091558456421},{"text":"So 80 seven thousand.","start":1387.425,"end":1389.285,"sentiment":"neutral","sentiment_score":-0.0344854611903429},{"text":"So yeah.","start":1391.745,"end":1392.465,"sentiment":"neutral","sentiment_score":0.002364914398640394},{"text":"So it's currently 87.","start":1392.465,"end":1394.165,"sentiment":"neutral","sentiment_score":0.018105498515069485},{"text":"And then also, I've got my small business, which, you know, makes up to about 19,000 per year.","start":1395.745,"end":1405.68,"sentiment":"neutral","sentiment_score":0.0381665617848436}],"sentiment":"neutral","sentiment_score":0.009780409463653059,"num_words":33,"start":1383.53,"end":1405.68},{"sentences":[{"text":"Normally, I've been able to get my tax under 18,000, so I don't actually have to pay GST or, like, do any vast statement stuff.","start":1408.78,"end":1421.4451,"sentiment":"neutral","sentiment_score":0.11649136081337928},{"text":"So I guess so whatever that equals, so 87 plus, you know, 19, and I've just done another contract, so that adds up a little bit extra over that.","start":1427.025,"end":1436.5399,"sentiment":"neutral","sentiment_score":0.06941746085368354},{"text":"So maybe 20 odd k.","start":1436.5399,"end":1438.88,"sentiment":"neutral","sentiment_score":0.030618485808372498},{"text":"And then I think I had to pay like, because I've made that capital gains at and even though I did pay into my super, like, that 10 k, I think, I don't know, you know, but then I bought sorry.","start":1440.38,"end":1457.58,"sentiment":"neutral","sentiment_score":-0.07135974833878075},{"text":"So, like, I'm I just sort of wanna know.","start":1457.58,"end":1460.48,"sentiment":"neutral","sentiment_score":0.01652791423516141}],"sentiment":"neutral","sentiment_score":0.021114535416143203,"num_words":109,"start":1408.78,"end":1460.48},{"sentences":[{"text":"Could you can you give me tax advice?","start":1460.5399,"end":1462.48,"sentiment":"neutral","sentiment_score":0.02610243856906891},{"text":"Okay.","start":1466.46,"end":1466.7799,"sentiment":"neutral","sentiment_score":0.03584945201873779},{"text":"You can give me tax information.","start":1466.7799,"end":1468.24,"sentiment":"neutral","sentiment_score":0.05962878900269667},{"text":"Okay.","start":1468.46,"end":1468.96,"sentiment":"neutral","sentiment_score":0.12668859958648682},{"text":"Alright.","start":1469.4199,"end":1469.74,"sentiment":"neutral","sentiment_score":0.20922163128852844}],"sentiment":"neutral","sentiment_score":0.05519717208602849,"num_words":17,"start":1460.5399,"end":1469.74},{"sentences":[{"text":"That's okay 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anyway.","start":1471.7151,"end":1473.415,"sentiment":"positive","sentiment_score":0.4197811186313629},{"text":"Okay.","start":1478.915,"end":1479.395,"sentiment":"neutral","sentiment_score":0.049055036157369614},{"text":"Sorry.","start":1479.395,"end":1479.895,"sentiment":"neutral","sentiment_score":-0.12593191862106323}],"sentiment":"positive","sentiment_score":0.403284681428756,"num_words":14,"start":1469.74,"end":1479.895},{"sentences":[{"text":"Yep.","start":1498.525,"end":1499.025,"sentiment":"neutral","sentiment_score":-0.1220695823431015},{"text":"Yep.","start":1502.205,"end":1502.705,"sentiment":"neutral","sentiment_score":0.0489686131477356},{"text":"Yeah.","start":1512.045,"end":1512.39,"sentiment":"neutral","sentiment_score":0.020046422258019447},{"text":"Yeah.","start":1520.9501,"end":1521.4501,"sentiment":"neutral","sentiment_score":0.005810720846056938},{"text":"Yeah.","start":1530.245,"end":1530.745,"sentiment":"neutral","sentiment_score":-0.06174856424331665}],"sentiment":"neutral","sentiment_score":-0.021798478066921236,"num_words":5,"start":1498.525,"end":1530.745},{"sentences":[{"text":"Yep.","start":1533.365,"end":1533.865,"sentiment":"neutral","sentiment_score":-0.037285156548023224},{"text":"Yes.","start":1538.5651,"end":1538.88,"sentiment":"neutral","sentiment_score":0.05187475308775902},{"text":"Yes.","start":1539.2,"end":1539.7,"sentiment":"neutral","sentiment_score":0.05567484349012375},{"text":"Yes.","start":1540.96,"end":1541.46,"sentiment":"neutral","sentiment_score":0.05181398615241051},{"text":"Okay.","start":1542.48,"end":1542.98,"sentiment":"neutral","sentiment_score":0.04175499454140663}],"sentiment":"neutral","sentiment_score":0.03276668414473534,"num_words":5,"start":1533.365,"end":1542.98},{"sentences":[{"text":"Okay.","start":1544.08,"end":1544.48,"sentiment":"neutral","sentiment_score":0.03125107288360596},{"text":"So yeah.","start":1544.48,"end":1544.88,"sentiment":"neutral","sentiment_score":0.025063833221793175},{"text":"Because that's where I I kind of guess I'm sort of, you know, like, going, oh, dear.","start":1544.88,"end":1548.24,"sentiment":"neutral","sentiment_score":-0.02807629415217568},{"text":"Just wait.","start":1548.24,"end":1548.72,"sentiment":"neutral","sentiment_score":-0.06268375553190708},{"text":"I'm kind of teaching.","start":1548.72,"end":1549.86,"sentiment":"neutral","sentiment_score":-0.07627016957849264}],"sentiment":"neutral","sentiment_score":-0.03178332502452227,"num_words":26,"start":1544.08,"end":1549.86},{"sentences":[{"text":"And I think I sort of I think I lost a little bit of that income for about, you know, maybe a month or so anyway because I actually reduced my hours for about a month.","start":1550.48,"end":1562.865,"sentiment":"neutral","sentiment_score":-0.2262364031953944},{"text":"So I was like, I think it dropped my body weight just down to, like, 60 it's nearly, like, losing one day.","start":1562.865,"end":1568.93,"sentiment":"neutral","sentiment_score":-0.26521592519500037},{"text":"Like, one day a week, nearly dropped my wages down, like, near on $20,000 for a year.","start":1570.11,"end":1574.91,"sentiment":"negative","sentiment_score":-0.40985121621805076},{"text":"So what?","start":1574.91,"end":1575.65,"sentiment":"neutral","sentiment_score":-0.10948031768202782},{"text":"That's crazy.","start":1576.99,"end":1577.71,"sentiment":"neutral","sentiment_score":-0.18684785813093185}],"sentiment":"neutral","sentiment_score":-0.2726504797045189,"num_words":79,"start":1550.48,"end":1577.71},{"sentences":[{"text":"Anyway, so that was, I guess, the other thing I was wanting to talk about was was yes.","start":1577.71,"end":1592.79,"sentiment":"neutral","sentiment_score":0.07678337229622735},{"text":"I just thought of my tax and okay.","start":1592.79,"end":1597.9901,"sentiment":"neutral","sentiment_score":0.13281235191971064},{"text":"So that's a good idea in, like, what you said.","start":1597.9901,"end":1600.31,"sentiment":"positive","sentiment_score":0.4355995148420334},{"text":"If I do get a loan, it'll actually be able to offset that as a reduce that It I'm sorry.","start":1600.31,"end":1656.33,"sentiment":"neutral","sentiment_score":0.1976376675069332},{"text":"Sorry.","start":1656.33,"end":1656.8099,"sentiment":"neutral","sentiment_score":-0.09622296690940856}],"sentiment":"neutral","sentiment_score":0.18696710611121697,"num_words":57,"start":1577.71,"end":1656.8099},{"sentences":[{"text":"I I can you say that again?","start":1656.8099,"end":1658.83,"sentiment":"neutral","sentiment_score":-0.057664754667452404},{"text":"Yep.","start":1664.345,"end":1664.845,"sentiment":"neutral","sentiment_score":0.07398086786270142},{"text":"Oh, they're such wankers.","start":1688.2799,"end":1689.34,"sentiment":"neutral","sentiment_score":-0.2525085099041462},{"text":"Okay.","start":1701.585,"end":1701.9049,"sentiment":"neutral","sentiment_score":-0.030625423416495323},{"text":"I 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I might have to shuffle even somebody because that's just not that's not really acceptable for my liking.","start":1708.9601,"end":1714.5801,"sentiment":"negative","sentiment_score":-0.5213641367460552},{"text":"Every time I look at it, I'm like, just like, didn't they didn't they just make, like, a a 4.5 no.","start":1720.395,"end":1728.155,"sentiment":"negative","sentiment_score":-0.35251049058777945},{"text":"A $5,500,000,000 half year quarterly no.","start":1728.155,"end":1733.42,"sentiment":"neutral","sentiment_score":-0.3062742551167806},{"text":"Half year profit net profit.","start":1733.42,"end":1736.4,"sentiment":"neutral","sentiment_score":-0.2681509226560593}],"sentiment":"negative","sentiment_score":-0.3946706407631819,"num_words":52,"start":1708.64,"end":1736.4},{"sentences":[{"text":"Any no.","start":1739.42,"end":1741.02,"sentiment":"neutral","sentiment_score":-0.1595299243927002},{"text":"But they anyway 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that that sounds good.","start":2022.0851,"end":2024.165,"sentiment":"positive","sentiment_score":0.47401174902915955},{"text":"I feel much better about having this conversation because at least it just sort of says just ease up, g.","start":2024.165,"end":2029.7051,"sentiment":"positive","sentiment_score":0.398986454308033},{"text":"Calm down.","start":2030.245,"end":2030.885,"sentiment":"neutral","sentiment_score":0.2972151190042496},{"text":"You don't need to do it all at once.","start":2030.885,"end":2034.42,"sentiment":"neutral","sentiment_score":0.07445275369617674},{"text":"Yeah.","start":2048.5,"end":2048.865,"sentiment":"neutral","sentiment_score":-0.033973824232816696}],"sentiment":"neutral","sentiment_score":0.3129815953607495,"num_words":37,"start":2022.0851,"end":2048.865},{"sentences":[{"text":"Yeah.","start":2052.145,"end":2052.625,"sentiment":"neutral","sentiment_score":0.02380445227026939},{"text":"Yep.","start":2052.625,"end":2053.125,"sentiment":"neutral","sentiment_score":0.09115950763225555},{"text":"Yes.","start":2055.825,"end":2056.225,"sentiment":"neutral","sentiment_score":0.1561954915523529},{"text":"That's alright.","start":2056.225,"end":2056.865,"sentiment":"neutral","sentiment_score":0.18515720963478088},{"text":"Okay.","start":2056.865,"end":2057.365,"sentiment":"neutral","sentiment_score":0.19017720222473145}],"sentiment":"neutral","sentiment_score":0.13860851215819517,"num_words":6,"start":2052.145,"end":2057.365},{"sentences":[{"text":"Yeah.","start":2058.865,"end":2059.185,"sentiment":"neutral","sentiment_score":0.1331932097673416},{"text":"And I think that makes sense anyway because, I mean, I was sort of thinking, like, with the, like, with the Broomhill, you know, but, I mean, I need I just wanna be able to have somewhere to go to at this point in time.","start":2059.185,"end":2068.85,"sentiment":"neutral","sentiment_score":0.048598605228794944},{"text":"So will that impact sorry?","start":2071.71,"end":2075.4102,"sentiment":"neutral","sentiment_score":-0.14235951453447343},{"text":"Yeah.","start":2080.215,"end":2080.455,"sentiment":"neutral","sentiment_score":-0.07229281216859818},{"text":"That's right.","start":2080.455,"end":2081.2751,"sentiment":"neutral","sentiment_score":-0.06599627807736397}],"sentiment":"neutral","sentiment_score":0.02600087970495224,"num_words":54,"start":2058.865,"end":2081.2751},{"sentences":[{"text":"Yeah.","start":2082.855,"end":2083.355,"sentiment":"neutral","sentiment_score":0.016746699810028076},{"text":"Absolutely.","start":2083.495,"end":2083.995,"sentiment":"neutral","sentiment_score":-0.017298001796007156},{"text":"Been going on way too long in my mind.","start":2084.935,"end":2087.995,"sentiment":"neutral","sentiment_score":-0.20589563250541687},{"text":"So oh, god.","start":2091.8098,"end":2093.73,"sentiment":"neutral","sentiment_score":-0.034009785701831184},{"text":"What was this?","start":2093.73,"end":2094.47,"sentiment":"neutral","sentiment_score":-0.03915200630823771}],"sentiment":"neutral","sentiment_score":-0.12194690415087868,"num_words":17,"start":2082.855,"end":2094.47},{"sentences":[{"text":"I was thinking of, like, when I speak to my broker, like, obviously, you mentioned about do not cross collateralize so that if one thing goes to ship, it all goes down.","start":2100.3699,"end":2113.965,"sentiment":"neutral","sentiment_score":-0.07264223403763026},{"text":"But what's the story with if I like, do I am I better off sort of applying for the loan and then letting them know that it is going to be an investment or that I am gonna go live there?","start":2116.185,"end":2131.22,"sentiment":"neutral","sentiment_score":-0.12399393574493688},{"text":"What's the yep.","start":2131.22,"end":2136.315,"sentiment":"neutral","sentiment_score":-0.017343326471745968},{"text":"Yep.","start":2136.795,"end":2137.295,"sentiment":"neutral","sentiment_score":0.01499385666102171},{"text":"Yeah.","start":2163.75,"end":2164.005,"sentiment":"neutral","sentiment_score":0.042202383279800415}],"sentiment":"neutral","sentiment_score":-0.0949120076182179,"num_words":78,"start":2100.3699,"end":2164.005},{"sentences":[{"text":"Okay.","start":2177.605,"end":2178.105,"sentiment":"neutral","sentiment_score":0.04731256514787674},{"text":"Okay.","start":2178.2449,"end":2178.6448,"sentiment":"neutral","sentiment_score":0.04124915599822998},{"text":"I'll move on.","start":2178.6448,"end":2183.6301,"sentiment":"neutral","sentiment_score":0.03639454084138075},{"text":"Yep.","start":2185.21,"end":2185.71,"sentiment":"neutral","sentiment_score":0.08848460763692856},{"text":"Okay.","start":2191.85,"end":2192.35,"sentiment":"neutral","sentiment_score":0.12268632650375366}],"sentiment":"neutral","sentiment_score":0.05841661111584732,"num_words":7,"start":2177.605,"end":2192.35},{"sentences":[{"text":"So you're cashing out your equity.","start":2193.1301,"end":2194.6501,"sentiment":"neutral","sentiment_score":0.11927802488207817},{"text":"Is that right?","start":2194.6501,"end":2195.385,"sentiment":"neutral","sentiment_score":0.11153077334165573},{"text":"Somewhat?","start":2197.305,"end":2197.805,"sentiment":"neutral","sentiment_score":-0.011114011518657207},{"text":"Okay.","start":2206.265,"end":2206.765,"sentiment":"neutral","sentiment_score":0.1120603084564209},{"text":"Okay.","start":2207.945,"end":2208.3,"sentiment":"neutral","sentiment_score":0.10988858342170715}],"sentiment":"neutral","sentiment_score":0.10509127913974226,"num_words":12,"start":2193.1301,"end":2208.3},{"sentences":[{"text":"Okay.","start":2208.54,"end":2208.94,"sentiment":"neutral","sentiment_score":0.1365358531475067},{"text":"Alright.","start":2208.94,"end":2209.44,"sentiment":"neutral","sentiment_score":0.24659094214439392},{"text":"Yeah.","start":2210.46,"end":2210.7,"sentiment":"positive","sentiment_score":0.4287201166152954},{"text":"That sounds good.","start":2210.7,"end":2211.68,"sentiment":"positive","sentiment_score":0.6713576316833496},{"text":"Yep.","start":2224.795,"end":2225.295,"sentiment":"neutral","sentiment_score":0.029720686376094815}],"sentiment":"positive","sentiment_score":0.4079486419047628,"num_words":7,"start":2208.54,"end":2225.295},{"sentences":[{"text":"Yep.","start":2229.675,"end":2230.175,"sentiment":"neutral","sentiment_score":0.009703113697469234},{"text":"Yep.","start":2231.115,"end":2231.1948,"sentiment":"neutral","sentiment_score":0.047914087772369385},{"text":"Yep.","start":2231.1948,"end":2231.6948,"sentiment":"neutral","sentiment_score":0.05623771250247955},{"text":"Yep.","start":2235.3599,"end":2235.8599,"sentiment":"neutral","sentiment_score":0.10144931077957152},{"text":"Okay.","start":2244.5598,"end":2245.0598,"sentiment":"neutral","sentiment_score":0.1176849529147148}],"sentiment":"neutral","sentiment_score":0.06659783553332091,"num_words":5,"start":2229.675,"end":2245.0598},{"sentences":[{"text":"Got it.","start":2245.2,"end":2245.94,"sentiment":"neutral","sentiment_score":0.14878367632627487},{"text":"Okay.","start":2246.7998,"end":2247.2998,"sentiment":"neutral","sentiment_score":0.21172720193862915},{"text":"No.","start":2256.5352,"end":2257.0352,"sentiment":"neutral","sentiment_score":0.05881872773170471},{"text":"It's just an it's just an ego side.","start":2258.2952,"end":2260.2,"sentiment":"neutral","sentiment_score":0.08099732780829072},{"text":"Yeah.","start":2260.2,"end":2260.7,"sentiment":"neutral","sentiment_score":0.1842000037431717}],"sentiment":"neutral","sentiment_score":0.10771476219479854,"num_words":13,"start":2245.2,"end":2260.7},{"sentences":[{"text":"Yep.","start":2270.8398,"end":2271.3398,"sentiment":"positive","sentiment_score":0.502423107624054},{"text":"Yep.","start":2271.96,"end":2272.335,"sentiment":"neutral","sentiment_score":0.2342817634344101},{"text":"Yep.","start":2278.175,"end":2278.415,"sentiment":"neutral","sentiment_score":0.07746399939060211},{"text":"Okay.","start":2278.415,"end":2278.915,"sentiment":"neutral","sentiment_score":0.08601345866918564},{"text":"Yeah.","start":2279.055,"end":2279.375,"sentiment":"neutral","sentiment_score":0.09966245293617249}],"sentiment":"neutral","sentiment_score":0.19996895641088486,"num_words":5,"start":2270.8398,"end":2279.375},{"sentences":[{"text":"That's right.","start":2279.375,"end":2280.195,"sentiment":"neutral","sentiment_score":0.12757132947444916},{"text":"Yeah.","start":2281.2148,"end":2281.455,"sentiment":"neutral","sentiment_score":0.06840909272432327},{"text":"Because I'm like currently, I'm sort of just like I'm like, what?","start":2281.455,"end":2283.935,"sentiment":"neutral","sentiment_score":0.03826640437667569},{"text":"What do you mean?","start":2283.935,"end":2284.575,"sentiment":"neutral","sentiment_score":0.0027545634657144542},{"text":"Like, because I I'm earning $517 interest and they're taking $2.60 out.","start":2284.575,"end":2289.96,"sentiment":"neutral","sentiment_score":0.0515448230629166}],"sentiment":"neutral","sentiment_score":0.045558217251973766,"num_words":31,"start":2279.375,"end":2289.96},{"sentences":[{"text":"That's I'm gonna ask them.","start":2291.14,"end":2292.76,"sentiment":"neutral","sentiment_score":0.01291448250412941},{"text":"Anyway but, yeah, no.","start":2292.98,"end":2294.26,"sentiment":"neutral","sentiment_score":0.02576894056983292},{"text":"That is good.","start":2294.26,"end":2294.9,"sentiment":"neutral","sentiment_score":0.2931903799374898},{"text":"I'm glad to hear that.","start":2294.9,"end":2296.02,"sentiment":"positive","sentiment_score":0.584839141368866},{"text":"That's that makes sense to me.","start":2296.02,"end":2297.955,"sentiment":"neutral","sentiment_score":0.3296523094177246}],"sentiment":"neutral","sentiment_score":0.2586664729549185,"num_words":23,"start":2291.14,"end":2297.955},{"sentences":[{"text":"Yep.","start":2306.115,"end":2306.615,"sentiment":"neutral","sentiment_score":0.3161271810531616},{"text":"Yep.","start":2311.0752,"end":2311.5,"sentiment":"neutral","sentiment_score":0.1286073923110962},{"text":"Yep.","start":2318.06,"end":2318.56,"sentiment":"neutral","sentiment_score":0.08884105086326599},{"text":"Yep.","start":2319.58,"end":2320.08,"sentiment":"neutral","sentiment_score":0.06721113622188568},{"text":"Okay.","start":2326.9949,"end":2327.4949,"sentiment":"neutral","sentiment_score":0.040398478507995605}],"sentiment":"neutral","sentiment_score":0.128237047791481,"num_words":5,"start":2306.115,"end":2327.4949},{"sentences":[{"text":"Okay.","start":2329.075,"end":2329.575,"sentiment":"neutral","sentiment_score":0.2483116090297699},{"text":"Well, thank you for your help today with the thought process around all that.","start":2331.075,"end":2335.9749,"sentiment":"positive","sentiment_score":0.62323340347835},{"text":"No.","start":2341.01,"end":2341.17,"sentiment":"neutral","sentiment_score":-0.08343847095966339},{"text":"You're alright.","start":2341.17,"end":2341.65,"sentiment":"neutral","sentiment_score":-0.02342317346483469},{"text":"That's all good.","start":2341.65,"end":2342.53,"sentiment":"positive","sentiment_score":0.3455324669679006}],"sentiment":"positive","sentiment_score":0.47047104003528756,"num_words":21,"start":2329.075,"end":2342.53},{"sentences":[{"text":"We got there in the end.","start":2342.53,"end":2343.91,"sentiment":"positive","sentiment_score":0.33668820063273114},{"text":"Yes.","start":2348.13,"end":2348.53,"sentiment":"neutral","sentiment_score":0.24168071150779724},{"text":"I am.","start":2348.53,"end":2349.01,"sentiment":"positive","sentiment_score":0.3341543674468994},{"text":"Thank you.","start":2349.01,"end":2349.5698,"sentiment":"positive","sentiment_score":0.6531843841075897},{"text":"I am happy with that.","start":2349.5698,"end":2350.8699,"sentiment":"positive","sentiment_score":0.6777935743331909}],"sentiment":"positive","sentiment_score":0.4765909556299448,"num_words":16,"start":2342.53,"end":2350.8699},{"sentences":[{"text":"Alright.","start":2352.53,"end":2353.03,"sentiment":"neutral","sentiment_score":0.2772987484931946},{"text":"Thank you again, and I will speak to you soon.","start":2353.73,"end":2358.7952,"sentiment":"neutral","sentiment_score":0.30602518022060393},{"text":"Yep.","start":2362.455,"end":2362.955,"sentiment":"neutral","sentiment_score":0.14464060962200165},{"text":"What?","start":2368.135,"end":2368.635,"sentiment":"neutral","sentiment_score":-0.048147961497306824},{"text":"Okay.","start":2372.07,"end":2372.55,"sentiment":"neutral","sentiment_score":0.1192011907696724}],"sentiment":"neutral","sentiment_score":0.2538031706852572,"num_words":14,"start":2352.53,"end":2372.55},{"sentences":[{"text":"Yep.","start":2372.55,"end":2372.87,"sentiment":"neutral","sentiment_score":0.14364486932754517},{"text":"No worries.","start":2372.87,"end":2373.35,"sentiment":"neutral","sentiment_score":0.22773467004299164},{"text":"That sounds good.","start":2373.35,"end":2374.25,"sentiment":"positive","sentiment_score":0.6968959371248881},{"text":"Thanks very much, Tommy.","start":2377.27,"end":2378.47,"sentiment":"positive","sentiment_score":0.7910775989294052},{"text":"See you.","start":2378.47,"end":2378.8801,"sentiment":"positive","sentiment_score":0.618515282869339}],"sentiment":"positive","sentiment_score":0.5909285818537077,"num_words":12,"start":2372.55,"end":2378.8801},{"sentences":[{"text":"Bye.","start":2378.8801,"end":2379.3801,"sentiment":"neutral","sentiment_score":0.32011544704437256}],"sentiment":"neutral","sentiment_score":0.32011544704437256,"num_words":1,"start":2378.8801,"end":2379.3801}]}}]},{"alternatives":[{"transcript":"Good afternoon. Oakview Financial. This is Samantha. Yep. Yep. Okay. No worries. Was it Claire? Yep. Not a problem. I just need to confirm your date of birth and residential address, and then I can transfer you through straight to Tommy. Perfect, Claire. Thanks so much for confirming those details. I'll transfer you through to Tommy now. Thanks. Good afternoon, Claire. Thank you so much for calling back in. This is Tommy. I'm doing fantastic. I do apologize if I'm a little bit croaky. Just coming back from a bit of a bit of a family flu at the moment, but always fun to play a bit of the phone tag. So thank you so much for calling in. It's all good. And I was sitting there with the the team, and for some reason, we couldn't answer the phone when you're calling in. So sorry for the bit of a hold time there, but we have each other. So it's fantastic. Happy New Year. Yeah. Life happens. Yeah. I've got it penciled in for a oh, no good. That's okay. And I do have some notes from our last conversations because we were we were chatting kind of mid last year around what was going on with the properties, and we did a bit of that sort of super contribution in claiming that. So I'm assuming there's been a few changes in the last six months or so. Yeah. Yeah. Sure. Yeah. Sure. Okay. Yep. With you. Yeah. Mhmm. Yep. Okay. So right. So it does. So the place in Broomhill, was that the one that, I think a little while ago, I think you you were owing around about $1.40. It was valued at about $1.80, and that's now going down to $1.30. What's the value you're sitting at at the moment? Yeah. It's not a specific valuation, but it's a bit of an idea. Yeah. With you. With you. So is this the one that's currently sort of rented out investment wise and you wanna add a modular home to that property. Am I with you on that? K. And you think it's sort of like a granny flat type thing, so you can almost kind of instead of subdividing it into two properties, you're kind of having two dwellings on the one property. Is that what you're thinking? K. And they'd both be used for investment purposes? Yeah. Absolutely. Solid sized block. Was that the the two by one? 3,009 100 square meters? Yep. K. Alright. So both dwellings will be used for investment. And we're gonna build on it, right, for about 300,000 or a little bit above. Because you were looking at somewhere North Of Perth a little while ago, bit of a small town property that way, or you're thinking of trying to build on the current one? Okay. I'm with you. Yeah. Right. Yeah. So about $2.40 to get it, put in 30 to 60 to kind of improve it, or is your second option to kind of build on the Broomhill property? Yeah. Yeah. Okay. The lease potentially running out and yeah. Yep. We do. Yeah. I'm with you. Yeah. And so the first thing that sort of comes to mind, Claire, is when I'm looking at the idea of building the second dwelling, obviously, while that's being constructed, you'll be spending money on it, but not generating an income until it's built and someone's in there versus when you buy the other property, then you can pretty much tend into almost straight away depending on, you know, somebody already there, leases, owner occupiers, that kind of thing, and how much work it takes to get it into that position. Do you still have a lot of the cash proceeds from your property sale still in the bank at the moment, or is it just that sort of small $16 in the offset? Yeah. That's right. 100 and 53. Yep. And 16 in the offset. 17 in the offset. So you're still kind of, I guess, I wouldn't say cash rich, but you've got enough cash there in capital to be able to do the renovations, a bit of a build, deposit for the next property. So you've got options there. In terms of getting the loan across the line, you did mention that before doing the next tax return, you could possibly get lending across the line. Have you spoken to sort of the bank and the broker about that being a bit of a green light? Right. So it's still possible now with the cash that you've got, the income and on paper that you've got to try and get something well, at least $2.40 doesn't seem out of the park. Have you looked at how much that one might rent for versus the cost of the build for that second dwelling. Gotcha. Oh, interesting. Yeah. Yeah. Yeah. That was gonna be my next question because last when we spoke last year, there was obviously the worry about the living situation and work. And one of the big things is if you have to move and change work, well, you probably don't wanna be rushing into getting massive amounts of loans that, again, let's say you borrowed x amount to build a second dwelling on that other property in the middle of having to change where you live and work, that's gonna be a pretty rough combination because that could easily just rinse out your savings. Because, obviously, bills sometimes tend to blow out in proportion and costs and time frame. So you don't wanna be in that position where your living situation is up in the air, your work's up in the air, and then all of a sudden you have this extra loan to pay, and then the builders have there's delays. The materials have gone up. And the combination of three, four things just tends to erode away your savings. Whereas much safer to like you were saying is, let's say, you bought that place North Of Perth and actually just went there, and then it's yours, and you can stay there and get some work in the area, that can be your foundation to then build a second dwelling on the other property. Now, obviously, that's a bit of a green change to say, hey. You should just move and uproot and change what you're doing. But yeah. And you've been talking about it for a while, so maybe it's coming close to the time to take that leap and putting all that money into essentially you, getting yourself a place that you can be pretty consistent with and say, I've got this property. This is mine. This is where my things are. This is where I'm working. While that property that you've got in Broomhill, that's still kind of taken care of itself, I'm assuming, for the time being. There's nothing to yep. And then from that stable base, then you can invest further onto that property or a different one. I wouldn't go to investment properties with nowhere to live and renting and trying to juggle two properties while changing work and living situation. That that sort of rings alarm bells for a bit of risk. You know what I mean? Like, if you bought that place out and try to rent it out, but then you need to live there, what do you do? How's that kind of how's that sounding? Sure. Yes. I did the same thing with mine because when I built my bought bought my first place many years ago, I had a significant amount of savings built up, and I wanted to use the half that I saved as a deposit. And the half that I'd sort of been given as an inheritance from my grandfather, I wanted to use that for renovations and savings for the for starting a family. So you only have to use however much you need as a deposit. So this is the part where you gotta be really specific with having a good broker or bank because you don't wanna cross collateralize. Again, tying your second property to the first one so if something goes wrong, they can both go, but you can use the equity. You could possibly use the equity to borrow to get the deposit for the second place or just use the cash. If it's 240,000, I'm assuming the the deposit is gonna be less than $50. And then you can still park a $100,117,000 in an offset account offsetting that loan. So it's sitting at $80.90, but you've still got access to all that cash. That's a very safe thing to do because then you're saying, okay. I've got a little bit of a deposit that I've used. That's gone. I've now got this property, but the amount, technically, I'm owing is to, you know, $1.90, whatever. But then you've got 100 and something thousand sitting in offset against that loan. That's fantastic. But then you've got that money there still available. So if you need to live off of it for a couple of months while you get yourself sorted, you can do that. You can access it. Yep. So you don't have to use it all up. You can just use how much you want for the deposit. It just means the loan will be bigger. Like, if you literally dumped a 150,000 on the property, the loan will be calculated on $90, and the repayments will be smaller. If you go the flip side, the repayments will be based on that 190,000, a little bit higher, but you're just offsetting the majority of it for interest in capital. Yeah. That's again. I think I had you at 85 87 before. Yep. Yeah. I'm with you. Yeah. I can give you tax information. Only accountants can really give tax fund. Because you're looking at, like, I'm just sort of stepping back. 6 or $7 worth of interest from your goal saver account getting added over the top. So, obviously, that that little bit gets added to your income to be taxed as well. When that's sitting in an offset account to your home loan, you're not getting taxed on that because it's offsetting interest. It's not paying you interest. So that's one plus is once you do do that, let's say you buy that property and have that 100 and whatever grand left over sitting against the loan, it's offsetting, and you're not getting taxed on that. So that's good. You're trying to keep your side business under the $18.19 grand, so that's another thing. And then, obviously, wages become a thing too. But, again, if you sort of uproot and move and and pause employment for a while, that's gonna impact your annual income while you're drawing down on the cash and getting yourself set up. So you're obviously not gonna be fully earning that amount for the full financial year, so that'll be good as well. Yeah. Quite the impact. Yeah. Because even if I look at the let me just spin up the old marginal rates for a quick second because, obviously, they've been updated. Individual pay rates or tax. That's alright. If you need to eat something, that's totally cool. I was just double checking that if you're sitting at a 107,000, say, with your wages and your business total income, you're sitting in that 32% bracket. And then if you were to earn, say, the four and a half percent from the goal saver, you'd be paying in $2,200 on tax on that. That's right. So I've just added your 87 and a half grand income with, let's say, 18 to 20 for the business and then another 6,800 from the interest of the goal saver account. And if that gets lumped over the top based on your current bracket, you'd be paying the 32% on that. So that would work out to be a couple of grand tax that you'd pay on the interest of the GoldSaver account that you wouldn't pay. Yeah. Pretty strange, isn't it? You earn $6 interest, and they've got to charge you a couple of grand tax on that just for having some money in savings, which is why offsets are so fantastic. But, you know, we do what we can do, navigate it. Never mind. I don't enjoy it either. Yeah. Yep. Yeah. Correct. Do you think you're gonna go through and try and purchase this one before the end of financial year? Yep. While you're there and you can actually look after it. Because when you're in a small town like that, it's sometimes hard to have somebody looking after property renovating it that you can't see and you're not around. So being able to have them while you're there is a bit of a plus as well. Yeah. And how much are you currently paying in rent for where you are? Oh, nice. Yeah. Well, it definitely seems like you'll be saving a little bit if you got that property for $2.40 because even then let let's say $5.50 a week rent, that's 12% of the value of that property. Most of the time, the rent's somewhere between 510%. So what I'm sort of saying there is if you're renting out that place, depending on economics and social things and employment, $5.50 compared to $25,300 is a big difference. But, obviously, the the loan shouldn't cost that much. Maybe a little bit on the way in terms of rates and insurance. Yeah. Yeah. Exactly. And think of what that does for you financially, though, too, because you've got this 153 sitting in in the cash at the moment. That's an asset. Assets go towards your ability to borrow to get more assets and wealth and loans and things like that. Same thing if you've got the property is that property value gets taken into account. The amount that's in the offset account gets taken into account, but then you've got all the cash that you could still access. You've got the cheaper accommodation compared to the rent that you're currently paying. So it will start to put you in front in a cash flow and capital position over the years. That will then allow you to do other things, whether that's investing or get the next property or build that next dwelling, but it gives you a pretty much of a safe base. As long as you can sort employment out and you can earn enough, then it should be pretty good, actually, both in terms of cash flow and your overall wealth. That's what I was gonna say is I'm not giving you advice right now, but please don't run off and go buy a second investment property and build a dwelling on that one and then lose where you're living and having to sort out where you're working. That's not a fun position to be in. We can take a couple of reasonable steps. And over five years' time, who knows where you could be? But it will be on a pretty good trajectory is what we wanna be on. We wanna be going up. Yeah. You've had a long enough of uncertainty as well. You've had long enough of uncertainty as well, given how worried you were a year ago and so on. Yeah. Were you thinking of something to do with the taxes, property? Yeah. Yeah. We you always wanna be honest with your broker. They're supposed to be on your side. The what I was saying about the cross collateralization, it's more of a trick of paperwork than anything too crazy. So I'll give you an example of my properties. So if I was to put my home as collateral to get the loan for my investment property, it kind of ties them together so that if something goes wrong with one, they can come after the other one. What I did instead was they I took out a loan on the home to get the deposit out to use for the second property. So it kinda gives that degree of separation legally. So what I mean is I've got three loans. I've got one on the home, one on the investment property, but now I've got this small deposit loan on the first property that I used for the second one. It was like a cash out. Yeah. Yep. So I just bumped up the the amount I owe on the home that I'm living in to get out a bit of that as a deposit for the next one without just straight up linking them up as this versus that. Yep. And, again, just make sure you let them know that you know, just to balance the deposit out so that you can make sure you've got as much in your offset as possible, like the smallest loan amount. Not the smallest loan amount. Sorry. Smallest deposit amount. You don't wanna use up all of your cash as a deposit. You just want the usual 20% to avoid LMI or whatever it is. And then once you've got that in there, you can park all the cash in there. Yep. And the good thing too is your the cash that you've got, it's just in a gold saver. It's not currently trying to offset that investment property or anything weird like that. Yeah. Cool. Because That's what you want. Right? You wanna maximize the the good investment debt, minimize that non tax deductible consumer debt. So having all offsetting your PPR is good, where you're living, that's great. And then you get the maximum amount of deductions by having all the debt on your other property. Yeah. They are. Yeah. So without going too far across the line, I think that's the pathway that kinda suits you the best, and it gives us a lot of options for what to do next, second and third steps afterwards. Obviously, I need you to you have to go through, take the leap, and go through these steps and just give us some updates on when you've got address changes and employment changes and so on. But outside of that, once you're all settled, we can kind of work through a few things on the medium term after that. Cool. That's okay. I do apologize it took me a little bit of time to get on the phone with you, but your call your call is always important, Claire. We did. We did. But you're happy so far? Got a few ideas? Cool. Cool. I might just send you the usual text for how we did today if you're happy with the service. I'll update your notes on the file so everyone's aware with what the plan kind of is, but I won't change anything until you've actually gone and taken those steps. Awesome. Great. You have a fantastic week, and we'll talk to you again soon. 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afternoon. Oakview Financial. This is Samantha. Yep. Yep.\n\nOkay. No worries. Was it Claire? Yep. Not a problem.\n\nI just need to confirm your date of birth and residential address, and then I can transfer you through straight to Tommy. Perfect, Claire. Thanks so much for confirming those details. I'll transfer you through to Tommy now. Thanks.\n\nGood afternoon, Claire. Thank you so much for calling back in. This is Tommy. I'm doing fantastic. I do apologize if I'm a little bit croaky.\n\nJust coming back from a bit of a bit of a family flu at the moment, but always fun to play a bit of the phone tag. So thank you so much for calling in. It's all good. And I was sitting there with the the team, and for some reason, we couldn't answer the phone when you're calling in. So sorry for the bit of a hold time there, but we have each other.\n\nSo it's fantastic. Happy New Year. Yeah. Life happens. Yeah.\n\nI've got it penciled in for a oh, no good. That's okay. And I do have some notes from our last conversations because we were we were chatting kind of mid last year around what was going on with the properties, and we did a bit of that sort of super contribution in claiming that. So I'm assuming there's been a few changes in the last six months or so. Yeah.\n\nYeah. Sure. Yeah. Sure. Okay.\n\nYep. With you. Yeah. Mhmm. Yep.\n\nOkay. So right. So it does. So the place in Broomhill, was that the one that, I think a little while ago, I think you you were owing around about $1.40. It was valued at about $1.80, and that's now going down to $1.30.\n\nWhat's the value you're sitting at at the moment? Yeah. It's not a specific valuation, but it's a bit of an idea. Yeah. With you.\n\nWith you. So is this the one that's currently sort of rented out investment wise and you wanna add a modular home to that property. Am I with you on that? K. And you think it's sort of like a granny flat type thing, so you can almost kind of instead of subdividing it into two properties, you're kind of having two dwellings on the one property.\n\nIs that what you're thinking? K. And they'd both be used for investment purposes? Yeah. Absolutely.\n\nSolid sized block. Was that the the two by one? 3,009 100 square meters? Yep. K.\n\nAlright. So both dwellings will be used for investment. And we're gonna build on it, right, for about 300,000 or a little bit above. Because you were looking at somewhere North Of Perth a little while ago, bit of a small town property that way, or you're thinking of trying to build on the current one? Okay.\n\nI'm with you. Yeah. Right. Yeah. So about $2.40 to get it, put in 30 to 60 to kind of improve it, or is your second option to kind of build on the Broomhill property?\n\nYeah. Yeah. Okay. The lease potentially running out and yeah. Yep.\n\nWe do. Yeah. I'm with you. Yeah. And so the first thing that sort of comes to mind, Claire, is when I'm looking at the idea of building the second dwelling, obviously, while that's being constructed, you'll be spending money on it, but not generating an income until it's built and someone's in there versus when you buy the other property, then you can pretty much tend into almost straight away depending on, you know, somebody already there, leases, owner occupiers, that kind of thing, and how much work it takes to get it into that position.\n\nDo you still have a lot of the cash proceeds from your property sale still in the bank at the moment, or is it just that sort of small $16 in the offset? Yeah. That's right. 100 and 53. Yep.\n\nAnd 16 in the offset. 17 in the offset. So you're still kind of, I guess, I wouldn't say cash rich, but you've got enough cash there in capital to be able to do the renovations, a bit of a build, deposit for the next property. So you've got options there. In terms of getting the loan across the line, you did mention that before doing the next tax return, you could possibly get lending across the line.\n\nHave you spoken to sort of the bank and the broker about that being a bit of a green light? Right. So it's still possible now with the cash that you've got, the income and on paper that you've got to try and get something well, at least $2.40 doesn't seem out of the park. Have you looked at how much that one might rent for versus the cost of the build for that second dwelling. Gotcha.\n\nOh, interesting. Yeah. Yeah. Yeah. That was gonna be my next question because last when we spoke last year, there was obviously the worry about the living situation and work.\n\nAnd one of the big things is if you have to move and change work, well, you probably don't wanna be rushing into getting massive amounts of loans that, again, let's say you borrowed x amount to build a second dwelling on that other property in the middle of having to change where you live and work, that's gonna be a pretty rough combination because that could easily just rinse out your savings. Because, obviously, bills sometimes tend to blow out in proportion and costs and time frame. So you don't wanna be in that position where your living situation is up in the air, your work's up in the air, and then all of a sudden you have this extra loan to pay, and then the builders have there's delays. The materials have gone up. And the combination of three, four things just tends to erode away your savings.\n\nWhereas much safer to like you were saying is, let's say, you bought that place North Of Perth and actually just went there, and then it's yours, and you can stay there and get some work in the area, that can be your foundation to then build a second dwelling on the other property. Now, obviously, that's a bit of a green change to say, hey. You should just move and uproot and change what you're doing. But yeah. And you've been talking about it for a while, so maybe it's coming close to the time to take that leap and putting all that money into essentially you, getting yourself a place that you can be pretty consistent with and say, I've got this property.\n\nThis is mine. This is where my things are. This is where I'm working. While that property that you've got in Broomhill, that's still kind of taken care of itself, I'm assuming, for the time being. There's nothing to yep.\n\nAnd then from that stable base, then you can invest further onto that property or a different one. I wouldn't go to investment properties with nowhere to live and renting and trying to juggle two properties while changing work and living situation. That that sort of rings alarm bells for a bit of risk. You know what I mean? Like, if you bought that place out and try to rent it out, but then you need to live there, what do you do?\n\nHow's that kind of how's that sounding? Sure. Yes. I did the same thing with mine because when I built my bought bought my first place many years ago, I had a significant amount of savings built up, and I wanted to use the half that I saved as a deposit. And the half that I'd sort of been given as an inheritance from my grandfather, I wanted to use that for renovations and savings for the for starting a family.\n\nSo you only have to use however much you need as a deposit. So this is the part where you gotta be really specific with having a good broker or bank because you don't wanna cross collateralize. Again, tying your second property to the first one so if something goes wrong, they can both go, but you can use the equity. You could possibly use the equity to borrow to get the deposit for the second place or just use the cash. If it's 240,000, I'm assuming the the deposit is gonna be less than $50.\n\nAnd then you can still park a $100,117,000 in an offset account offsetting that loan. So it's sitting at $80.90, but you've still got access to all that cash. That's a very safe thing to do because then you're saying, okay. I've got a little bit of a deposit that I've used. That's gone.\n\nI've now got this property, but the amount, technically, I'm owing is to, you know, $1.90, whatever. But then you've got 100 and something thousand sitting in offset against that loan. That's fantastic. But then you've got that money there still available. So if you need to live off of it for a couple of months while you get yourself sorted, you can do that.\n\nYou can access it. Yep. So you don't have to use it all up. You can just use how much you want for the deposit. It just means the loan will be bigger.\n\nLike, if you literally dumped a 150,000 on the property, the loan will be calculated on $90, and the repayments will be smaller. If you go the flip side, the repayments will be based on that 190,000, a little bit higher, but you're just offsetting the majority of it for interest in capital. Yeah. That's again. I think I had you at 85 87 before.\n\nYep. Yeah. I'm with you. Yeah. I can give you tax information.\n\nOnly accountants can really give tax fund. Because you're looking at, like, I'm just sort of stepping back. 6 or $7 worth of interest from your goal saver account getting added over the top. So, obviously, that that little bit gets added to your income to be taxed as well. When that's sitting in an offset account to your home loan, you're not getting taxed on that because it's offsetting interest.\n\nIt's not paying you interest. So that's one plus is once you do do that, let's say you buy that property and have that 100 and whatever grand left over sitting against the loan, it's offsetting, and you're not getting taxed on that. So that's good. You're trying to keep your side business under the $18.19 grand, so that's another thing. And then, obviously, wages become a thing too.\n\nBut, again, if you sort of uproot and move and and pause employment for a while, that's gonna impact your annual income while you're drawing down on the cash and getting yourself set up. So you're obviously not gonna be fully earning that amount for the full financial year, so that'll be good as well. Yeah. Quite the impact. Yeah.\n\nBecause even if I look at the let me just spin up the old marginal rates for a quick second because, obviously, they've been updated. Individual pay rates or tax. That's alright. If you need to eat something, that's totally cool. I was just double checking that if you're sitting at a 107,000, say, with your wages and your business total income, you're sitting in that 32% bracket.\n\nAnd then if you were to earn, say, the four and a half percent from the goal saver, you'd be paying in $2,200 on tax on that. That's right. So I've just added your 87 and a half grand income with, let's say, 18 to 20 for the business and then another 6,800 from the interest of the goal saver account. And if that gets lumped over the top based on your current bracket, you'd be paying the 32% on that. So that would work out to be a couple of grand tax that you'd pay on the interest of the GoldSaver account that you wouldn't pay.\n\nYeah. Pretty strange, isn't it? You earn $6 interest, and they've got to charge you a couple of grand tax on that just for having some money in savings, which is why offsets are so fantastic. But, you know, we do what we can do, navigate it. Never mind.\n\nI don't enjoy it either. Yeah. Yep. Yeah. Correct.\n\nDo you think you're gonna go through and try and purchase this one before the end of financial year? Yep. While you're there and you can actually look after it. Because when you're in a small town like that, it's sometimes hard to have somebody looking after property renovating it that you can't see and you're not around. So being able to have them while you're there is a bit of a plus as well.\n\nYeah. And how much are you currently paying in rent for where you are? Oh, nice. Yeah. Well, it definitely seems like you'll be saving a little bit if you got that property for $2.40 because even then let let's say $5.50 a week rent, that's 12% of the value of that property.\n\nMost of the time, the rent's somewhere between 510%. So what I'm sort of saying there is if you're renting out that place, depending on economics and social things and employment, $5.50 compared to $25,300 is a big difference. But, obviously, the the loan shouldn't cost that much. Maybe a little bit on the way in terms of rates and insurance. Yeah.\n\nYeah. Exactly. And think of what that does for you financially, though, too, because you've got this 153 sitting in in the cash at the moment. That's an asset. Assets go towards your ability to borrow to get more assets and wealth and loans and things like that.\n\nSame thing if you've got the property is that property value gets taken into account. The amount that's in the offset account gets taken into account, but then you've got all the cash that you could still access. You've got the cheaper accommodation compared to the rent that you're currently paying. So it will start to put you in front in a cash flow and capital position over the years. That will then allow you to do other things, whether that's investing or get the next property or build that next dwelling, but it gives you a pretty much of a safe base.\n\nAs long as you can sort employment out and you can earn enough, then it should be pretty good, actually, both in terms of cash flow and your overall wealth. That's what I was gonna say is I'm not giving you advice right now, but please don't run off and go buy a second investment property and build a dwelling on that one and then lose where you're living and having to sort out where you're working. That's not a fun position to be in. We can take a couple of reasonable steps. And over five years' time, who knows where you could be?\n\nBut it will be on a pretty good trajectory is what we wanna be on. We wanna be going up. Yeah. You've had a long enough of uncertainty as well. You've had long enough of uncertainty as well, given how worried you were a year ago and so on.\n\nYeah. Were you thinking of something to do with the taxes, property? Yeah. Yeah. We you always wanna be honest with your broker.\n\nThey're supposed to be on your side. The what I was saying about the cross collateralization, it's more of a trick of paperwork than anything too crazy. So I'll give you an example of my properties. So if I was to put my home as collateral to get the loan for my investment property, it kind of ties them together so that if something goes wrong with one, they can come after the other one. What I did instead was they I took out a loan on the home to get the deposit out to use for the second property.\n\nSo it kinda gives that degree of separation legally. So what I mean is I've got three loans. I've got one on the home, one on the investment property, but now I've got this small deposit loan on the first property that I used for the second one. It was like a cash out. Yeah.\n\nYep. So I just bumped up the the amount I owe on the home that I'm living in to get out a bit of that as a deposit for the next one without just straight up linking them up as this versus that. Yep. And, again, just make sure you let them know that you know, just to balance the deposit out so that you can make sure you've got as much in your offset as possible, like the smallest loan amount. Not the smallest loan amount.\n\nSorry. Smallest deposit amount. You don't wanna use up all of your cash as a deposit. You just want the usual 20% to avoid LMI or whatever it is. And then once you've got that in there, you can park all the cash in there.\n\nYep. And the good thing too is your the cash that you've got, it's just in a gold saver. It's not currently trying to offset that investment property or anything weird like that. Yeah. Cool.\n\nBecause That's what you want. Right? You wanna maximize the the good investment debt, minimize that non tax deductible consumer debt. So having all offsetting your PPR is good, where you're living, that's great. And then you get the maximum amount of deductions by having all the debt on your other property.\n\nYeah. They are. Yeah. So without going too far across the line, I think that's the pathway that kinda suits you the best, and it gives us a lot of options for what to do next, second and third steps afterwards. Obviously, I need you to you have to go through, take the leap, and go through these steps and just give us some updates on when you've got address changes and employment changes and so on.\n\nBut outside of that, once you're all settled, we can kind of work through a few things on the medium term after that. Cool. That's okay. I do apologize it took me a little bit of time to get on the phone with you, but your call your call is always important, Claire. We did.\n\nWe did. But you're happy so far? Got a few ideas? Cool. Cool.\n\nI might just send you the usual text for how we did today if you're happy with the service. I'll update your notes on the file so everyone's aware with what the plan kind of is, but I won't change anything until you've actually gone and taken those steps. Awesome. Great. You have a fantastic week, and we'll talk to you again soon.\n\nSee you.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.1599998,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.12854093313217163},{"text":"Oakview Financial.","start":2.96,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.06638022139668465},{"text":"This is Samantha.","start":3.9199998,"end":4.74,"sentiment":"neutral","sentiment_score":0.04287709668278694},{"text":"Yep.","start":13.495,"end":13.815,"sentiment":"neutral","sentiment_score":0.02359902858734131},{"text":"Yep.","start":13.815,"end":14.295,"sentiment":"neutral","sentiment_score":0.029956329613924023}],"sentiment":"neutral","sentiment_score":0.06355877303414875,"num_words":9,"start":2.1599998,"end":14.295},{"sentences":[{"text":"Okay.","start":14.295,"end":14.695,"sentiment":"neutral","sentiment_score":0.04269639402627945},{"text":"No worries.","start":14.695,"end":15.255,"sentiment":"neutral","sentiment_score":0.049423979595303535},{"text":"Was it Claire?","start":15.255,"end":16.154999,"sentiment":"neutral","sentiment_score":0.039167001843452454},{"text":"Yep.","start":17.735,"end":18.215,"sentiment":"neutral","sentiment_score":0.09628834575414658},{"text":"Not a problem.","start":18.215,"end":18.775,"sentiment":"neutral","sentiment_score":0.1668965071439743}],"sentiment":"neutral","sentiment_score":0.08560232259333134,"num_words":10,"start":14.295,"end":18.775},{"sentences":[{"text":"I just need to confirm your date of birth and residential address, and then I can transfer you through straight to Tommy.","start":18.775,"end":23.515,"sentiment":"neutral","sentiment_score":0.09008629518476399},{"text":"Perfect, Claire.","start":33.59,"end":34.23,"sentiment":"positive","sentiment_score":0.5095367729663849},{"text":"Thanks so much for confirming those details.","start":34.23,"end":36.07,"sentiment":"positive","sentiment_score":0.64247065782547},{"text":"I'll transfer you through to Tommy now.","start":36.07,"end":38.09,"sentiment":"neutral","sentiment_score":0.2466784758227212},{"text":"Thanks.","start":39.51,"end":40.01,"sentiment":"neutral","sentiment_score":0.2840365767478943}],"sentiment":"neutral","sentiment_score":0.24382186031494385,"num_words":39,"start":18.775,"end":40.01},{"sentences":[{"text":"Good afternoon, Claire.","start":48.245,"end":49.364998,"sentiment":"neutral","sentiment_score":0.23526917397975922},{"text":"Thank you so much for calling back in.","start":49.364998,"end":50.725,"sentiment":"positive","sentiment_score":0.47815394029021263},{"text":"This is Tommy.","start":50.725,"end":51.464996,"sentiment":"neutral","sentiment_score":0.22916380067666373},{"text":"I'm doing fantastic.","start":56.519997,"end":57.659996,"sentiment":"positive","sentiment_score":0.5840780933698019},{"text":"I do apologize if I'm a little bit croaky.","start":58.12,"end":60.039997,"sentiment":"neutral","sentiment_score":-0.14906350606017643}],"sentiment":"neutral","sentiment_score":0.21650742968687645,"num_words":26,"start":48.245,"end":60.039997},{"sentences":[{"text":"Just coming back from a bit of a bit of a family flu at the moment, but always fun to play a bit of the phone tag.","start":60.039997,"end":66.28,"sentiment":"neutral","sentiment_score":-0.024399679292131354},{"text":"So thank you so much for calling in.","start":66.28,"end":71.325005,"sentiment":"positive","sentiment_score":0.3685704544186592},{"text":"It's all good.","start":71.325005,"end":71.885,"sentiment":"positive","sentiment_score":0.5217462380727133},{"text":"And I was sitting there with the the team, and for some reason, we couldn't answer the phone when you're calling in.","start":71.885,"end":76.525,"sentiment":"neutral","sentiment_score":0.08772796938534487},{"text":"So sorry for the bit of a hold time there, but we have each other.","start":76.525,"end":80.205,"sentiment":"neutral","sentiment_score":0.035235378642876944}],"sentiment":"neutral","sentiment_score":0.08418076019734144,"num_words":75,"start":60.039997,"end":80.205},{"sentences":[{"text":"So it's fantastic.","start":80.205,"end":81.38,"sentiment":"positive","sentiment_score":0.5381411810715994},{"text":"Happy New Year.","start":81.68,"end":82.58,"sentiment":"positive","sentiment_score":0.3640224834283193},{"text":"Yeah.","start":98.255,"end":98.755,"sentiment":"neutral","sentiment_score":-0.0010061170905828476},{"text":"Life happens.","start":104.494995,"end":105.235,"sentiment":"neutral","sentiment_score":-0.025900759734213352},{"text":"Yeah.","start":112.78999,"end":113.189995,"sentiment":"neutral","sentiment_score":-0.01753363013267517}],"sentiment":"neutral","sentiment_score":0.26361497268080714,"num_words":10,"start":80.205,"end":113.189995},{"sentences":[{"text":"I've got it penciled in for a oh, no good.","start":113.189995,"end":120.315,"sentiment":"neutral","sentiment_score":-0.1350137323141098},{"text":"That's okay.","start":122.395004,"end":123.035,"sentiment":"neutral","sentiment_score":0.14630334824323654},{"text":"And I do have some notes from our last conversations because we were we were chatting kind of mid last year around what was going on with the properties, and we did a bit of that sort of super contribution in claiming that.","start":123.035,"end":134.79,"sentiment":"neutral","sentiment_score":0.21853667809519656},{"text":"So I'm assuming there's been a few changes in the last six months or so.","start":135.11,"end":139.68999,"sentiment":"neutral","sentiment_score":0.006387659907341003},{"text":"Yeah.","start":156.48499,"end":156.98499,"sentiment":"neutral","sentiment_score":0.03910847008228302}],"sentiment":"neutral","sentiment_score":0.11935873098776374,"num_words":71,"start":113.189995,"end":156.98499},{"sentences":[{"text":"Yeah.","start":182.755,"end":183.255,"sentiment":"neutral","sentiment_score":0.08294077962636948},{"text":"Sure.","start":228.33499,"end":228.83499,"sentiment":"neutral","sentiment_score":0.14900286495685575},{"text":"Yeah.","start":237.91,"end":238.41,"sentiment":"neutral","sentiment_score":0.17306891083717346},{"text":"Sure.","start":255.205,"end":255.705,"sentiment":"neutral","sentiment_score":0.1944745182991028},{"text":"Okay.","start":299.28998,"end":299.78998,"sentiment":"neutral","sentiment_score":0.09932740032672882}],"sentiment":"neutral","sentiment_score":0.13976289480924606,"num_words":5,"start":182.755,"end":299.78998},{"sentences":[{"text":"Yep.","start":316.25497,"end":316.75497,"sentiment":"neutral","sentiment_score":0.11956514418125153},{"text":"With you.","start":316.895,"end":317.49,"sentiment":"neutral","sentiment_score":0.06646636314690113},{"text":"Yeah.","start":338.785,"end":339.285,"sentiment":"neutral","sentiment_score":-0.1413213312625885},{"text":"Mhmm.","start":362.575,"end":363.075,"sentiment":"neutral","sentiment_score":0.01975318044424057},{"text":"Yep.","start":390.44498,"end":390.94498,"sentiment":"neutral","sentiment_score":0.20098876953125}],"sentiment":"neutral","sentiment_score":0.055319748197992645,"num_words":6,"start":316.25497,"end":390.94498},{"sentences":[{"text":"Okay.","start":419.19498,"end":419.67,"sentiment":"neutral","sentiment_score":0.11398885399103165},{"text":"So right.","start":419.99002,"end":427.91,"sentiment":"neutral","sentiment_score":0.06513943150639534},{"text":"So it does.","start":427.91,"end":429.67,"sentiment":"neutral","sentiment_score":0.1559048822770516},{"text":"So the place in Broomhill, was that the one that, I think a little while ago, I think you you were owing around about $1.40.","start":429.67,"end":438.065,"sentiment":"neutral","sentiment_score":0.00652609795331955},{"text":"It was valued at about $1.80, and that's now going down to $1.30.","start":438.065,"end":443.045,"sentiment":"neutral","sentiment_score":-0.004116634766642864}],"sentiment":"neutral","sentiment_score":0.018673149106854744,"num_words":44,"start":419.19498,"end":443.045},{"sentences":[{"text":"What's the value you're sitting at at the moment?","start":443.185,"end":445.285,"sentiment":"neutral","sentiment_score":-0.010518515068623755},{"text":"Yeah.","start":454.76,"end":455.26,"sentiment":"neutral","sentiment_score":-0.050340842455625534},{"text":"It's not a specific valuation, but it's a bit of an idea.","start":458.44,"end":462.06,"sentiment":"neutral","sentiment_score":-0.13287400578459105},{"text":"Yeah.","start":477.115,"end":477.615,"sentiment":"neutral","sentiment_score":-0.11608833819627762},{"text":"With you.","start":494.905,"end":495.305,"sentiment":"neutral","sentiment_score":0.0184894111007452}],"sentiment":"neutral","sentiment_score":-0.07274420253932476,"num_words":25,"start":443.185,"end":495.305},{"sentences":[{"text":"With you.","start":495.305,"end":495.78497,"sentiment":"neutral","sentiment_score":0.038483377546072006},{"text":"So is this the one that's currently sort of rented out investment wise and you wanna add a modular home to that property.","start":495.78497,"end":503.08,"sentiment":"neutral","sentiment_score":0.08190407846932826},{"text":"Am I with you on that?","start":503.08,"end":504.94,"sentiment":"neutral","sentiment_score":0.055841447164615},{"text":"K.","start":507.72,"end":508.12,"sentiment":"neutral","sentiment_score":0.06004566326737404},{"text":"And you think it's sort of like a granny flat type thing, so you can almost kind of instead of subdividing it into two properties, you're kind of having two dwellings on the one property.","start":508.12,"end":516.83997,"sentiment":"neutral","sentiment_score":0.09192376839263099}],"sentiment":"neutral","sentiment_score":0.08318189253557974,"num_words":67,"start":495.305,"end":516.83997},{"sentences":[{"text":"Is that what you're thinking?","start":516.83997,"end":519.935,"sentiment":"neutral","sentiment_score":0.06405154690146446},{"text":"K.","start":520.075,"end":520.575,"sentiment":"neutral","sentiment_score":0.03488883376121521},{"text":"And they'd both be used for investment purposes?","start":522.395,"end":524.575,"sentiment":"neutral","sentiment_score":0.059727310203015804},{"text":"Yeah.","start":528.715,"end":529.03503,"sentiment":"neutral","sentiment_score":0.2667432427406311},{"text":"Absolutely.","start":529.03503,"end":529.53503,"sentiment":"positive","sentiment_score":0.4385177791118622}],"sentiment":"neutral","sentiment_score":0.09613912948407233,"num_words":16,"start":516.83997,"end":529.53503},{"sentences":[{"text":"Solid sized block.","start":530.235,"end":531.18,"sentiment":"positive","sentiment_score":0.3911438484986623},{"text":"Was that the the two by one?","start":533.82,"end":535.6,"sentiment":"neutral","sentiment_score":0.12266723811626434},{"text":"3,009 100 square meters?","start":535.98,"end":537.76,"sentiment":"neutral","sentiment_score":0.05418408755213022},{"text":"Yep.","start":539.18,"end":539.68,"sentiment":"neutral","sentiment_score":0.15143738687038422},{"text":"K.","start":541.74,"end":542.24,"sentiment":"neutral","sentiment_score":0.07259367406368256}],"sentiment":"neutral","sentiment_score":0.15455435146577656,"num_words":16,"start":530.235,"end":542.24},{"sentences":[{"text":"Alright.","start":543.89996,"end":544.38,"sentiment":"neutral","sentiment_score":0.14356157183647156},{"text":"So both dwellings will be used for investment.","start":544.38,"end":547.185,"sentiment":"neutral","sentiment_score":0.11837092915084213},{"text":"And we're gonna build on it, right, for about 300,000 or a little bit above.","start":549.645,"end":553.66504,"sentiment":"neutral","sentiment_score":0.14169689565896987},{"text":"Because you were looking at somewhere North Of Perth a little while ago, bit of a small town property that way, or you're thinking of trying to build on the current one?","start":569.74,"end":580.15497,"sentiment":"neutral","sentiment_score":0.01005446125054732},{"text":"Okay.","start":581.89496,"end":582.39496,"sentiment":"neutral","sentiment_score":-0.06823393702507019}],"sentiment":"neutral","sentiment_score":0.06086826777052984,"num_words":57,"start":543.89996,"end":582.39496},{"sentences":[{"text":"I'm with you.","start":596.49,"end":597.47,"sentiment":"neutral","sentiment_score":-0.1085617517431577},{"text":"Yeah.","start":606.195,"end":606.695,"sentiment":"neutral","sentiment_score":0.09497743844985962},{"text":"Right.","start":637.65497,"end":638.15497,"sentiment":"neutral","sentiment_score":0.0983215868473053},{"text":"Yeah.","start":658.725,"end":658.885,"sentiment":"neutral","sentiment_score":0.054891157895326614},{"text":"So about $2.40 to get it, put in 30 to 60 to kind of improve it, or is your second option to kind of build on the Broomhill property?","start":658.885,"end":670.35,"sentiment":"neutral","sentiment_score":0.09271777305623581}],"sentiment":"neutral","sentiment_score":0.07460915275982448,"num_words":35,"start":596.49,"end":670.35},{"sentences":[{"text":"Yeah.","start":692.425,"end":692.905,"sentiment":"neutral","sentiment_score":0.02310853824019432},{"text":"Yeah.","start":692.905,"end":693.24,"sentiment":"neutral","sentiment_score":0.02401113137602806},{"text":"Okay.","start":704.76,"end":705.26,"sentiment":"neutral","sentiment_score":0.037324707955121994},{"text":"The lease potentially running out and yeah.","start":709.295,"end":713.475,"sentiment":"neutral","sentiment_score":-0.05370789021253586},{"text":"Yep.","start":719.375,"end":719.875,"sentiment":"neutral","sentiment_score":0.06793752312660217}],"sentiment":"neutral","sentiment_score":-0.020324848253618587,"num_words":11,"start":692.425,"end":719.875},{"sentences":[{"text":"We do.","start":720.015,"end":720.675,"sentiment":"neutral","sentiment_score":0.09224140644073486},{"text":"Yeah.","start":758.64,"end":759.14,"sentiment":"neutral","sentiment_score":0.18678471446037292},{"text":"I'm with you.","start":759.44,"end":760.42,"sentiment":"neutral","sentiment_score":0.28392986953258514},{"text":"Yeah.","start":777.74,"end":778.24,"sentiment":"neutral","sentiment_score":0.1312660276889801},{"text":"And so the first thing that sort of comes to mind, Claire, is when I'm looking at the idea of building the second dwelling, obviously, while that's being constructed, you'll be spending money on it, but not generating an income until it's built and someone's in there versus when you buy the other property, then you can pretty much tend into almost straight away depending on, you know, somebody already there, leases, owner occupiers, that kind of thing, and how much work it takes to get it into that position.","start":783.33997,"end":814.45996,"sentiment":"neutral","sentiment_score":0.011427746951166126}],"sentiment":"neutral","sentiment_score":0.024565158651892058,"num_words":97,"start":720.015,"end":814.45996},{"sentences":[{"text":"Do you still have a lot of the cash proceeds from your property sale still in the bank at the moment, or is it just that sort of small $16 in the offset?","start":815.16,"end":825.045,"sentiment":"neutral","sentiment_score":-0.05577327277172695},{"text":"Yeah.","start":833.825,"end":834.325,"sentiment":"neutral","sentiment_score":-0.1505695283412933},{"text":"That's right.","start":834.385,"end":835.285,"sentiment":"negative","sentiment_score":-0.49369674921035767},{"text":"100 and 53.","start":836.03,"end":837.17004,"sentiment":"negative","sentiment_score":-0.4930059810479482},{"text":"Yep.","start":837.23004,"end":837.73004,"sentiment":"neutral","sentiment_score":-0.01586279086768627}],"sentiment":"neutral","sentiment_score":-0.11183404405601323,"num_words":40,"start":815.16,"end":837.73004},{"sentences":[{"text":"And 16 in the offset.","start":839.63,"end":841.25,"sentiment":"neutral","sentiment_score":-0.017267048358917236},{"text":"17 in the offset.","start":844.19,"end":845.41003,"sentiment":"neutral","sentiment_score":-0.006761256139725447},{"text":"So you're still kind of, I guess, I wouldn't say cash rich, but you've got enough cash there in capital to be able to do the renovations, a bit of a build, deposit for the next property.","start":845.63,"end":857.315,"sentiment":"neutral","sentiment_score":0.07552014799738252},{"text":"So you've got options there.","start":857.315,"end":858.775,"sentiment":"neutral","sentiment_score":0.28327847421169283},{"text":"In terms of getting the loan across the line, you did mention that before doing the next tax return, you could possibly get lending across the line.","start":860.59503,"end":868.64996,"sentiment":"neutral","sentiment_score":0.15297147300508288}],"sentiment":"neutral","sentiment_score":0.10548060707365856,"num_words":78,"start":839.63,"end":868.64996},{"sentences":[{"text":"Have you spoken to sort of the bank and the broker about that being a bit of a green light?","start":868.64996,"end":873.87,"sentiment":"neutral","sentiment_score":0.06737067895010114},{"text":"Right.","start":910.53503,"end":910.775,"sentiment":"neutral","sentiment_score":0.15961381793022156},{"text":"So it's still possible now with the cash that you've got, the income and on paper that you've got to try and get something well, at least $2.40 doesn't seem out of the park.","start":910.775,"end":921.74,"sentiment":"neutral","sentiment_score":0.28326430544257164},{"text":"Have you looked at how much that one might rent for versus the cost of the build for that second dwelling.","start":927.56,"end":933.795,"sentiment":"neutral","sentiment_score":0.0011131777649834042},{"text":"Gotcha.","start":973.46,"end":973.96,"sentiment":"neutral","sentiment_score":-0.0494786761701107}],"sentiment":"neutral","sentiment_score":0.14431054336200286,"num_words":77,"start":868.64996,"end":973.96},{"sentences":[{"text":"Oh, interesting.","start":987.995,"end":989.615,"sentiment":"neutral","sentiment_score":0.04477048106491566},{"text":"Yeah.","start":999.115,"end":999.48,"sentiment":"neutral","sentiment_score":-0.0662098377943039},{"text":"Yeah.","start":1024.375,"end":1024.68,"sentiment":"neutral","sentiment_score":0.07645810395479202},{"text":"Yeah.","start":1041.735,"end":1042.1349,"sentiment":"neutral","sentiment_score":0.004015021026134491},{"text":"That was gonna be my next question because last when we spoke last year, there was obviously the worry about the living situation and work.","start":1042.1349,"end":1050.07,"sentiment":"neutral","sentiment_score":-0.10198963060975075}],"sentiment":"neutral","sentiment_score":-0.08153121719757715,"num_words":30,"start":987.995,"end":1050.07},{"sentences":[{"text":"And one of the big things is if you have to move and change work, well, you probably don't wanna be rushing into getting massive amounts of loans that, again, let's say you borrowed x amount to build a second dwelling on that other property in the middle of having to change where you live and work, that's gonna be a pretty rough combination because that could easily just rinse out your savings.","start":1050.07,"end":1075.76,"sentiment":"neutral","sentiment_score":-0.15114110550039436},{"text":"Because, obviously, bills sometimes tend to blow out in proportion and costs and time frame.","start":1076.2999,"end":1081.12,"sentiment":"negative","sentiment_score":-0.36640371282895406},{"text":"So you don't wanna be in that position where your living situation is up in the air, your work's up in the air, and then all of a sudden you have this extra loan to pay, and then the builders have there's delays.","start":1081.26,"end":1091.725,"sentiment":"neutral","sentiment_score":-0.2895502160454905},{"text":"The materials have gone up.","start":1091.9451,"end":1093.645,"sentiment":"negative","sentiment_score":-0.413981568813324},{"text":"And the combination of three, four things just tends to erode away your savings.","start":1093.865,"end":1098.57,"sentiment":"negative","sentiment_score":-0.5812492093869618}],"sentiment":"neutral","sentiment_score":-0.26124941639602184,"num_words":150,"start":1050.07,"end":1098.57},{"sentences":[{"text":"Whereas much safer to like you were saying is, let's say, you bought that place North Of Perth and actually just went there, and then it's yours, and you can stay there and get some work in the area, that can be your foundation to then build a second dwelling on the other property.","start":1098.97,"end":1116.965,"sentiment":"neutral","sentiment_score":0.11447529443022278},{"text":"Now, obviously, that's a bit of a green change to say, hey.","start":1116.965,"end":1119.445,"sentiment":"neutral","sentiment_score":-0.051368262929221},{"text":"You should just move and uproot and change what you're doing.","start":1119.445,"end":1122.665,"sentiment":"neutral","sentiment_score":0.03114790909669616},{"text":"But yeah.","start":1122.965,"end":1126.905,"sentiment":"neutral","sentiment_score":0.008973468095064163},{"text":"And you've been talking about it for a while, so maybe it's coming close to the time to take that leap and putting all that money into essentially you, getting yourself a place that you can be pretty consistent with and say, I've got this property.","start":1127.0599,"end":1140.915,"sentiment":"neutral","sentiment_score":0.1410112181759399}],"sentiment":"neutral","sentiment_score":0.09929869373142719,"num_words":125,"start":1098.97,"end":1140.915},{"sentences":[{"text":"This is mine.","start":1140.915,"end":1141.555,"sentiment":"neutral","sentiment_score":0.2529539614915848},{"text":"This is where my things are.","start":1141.555,"end":1142.515,"sentiment":"neutral","sentiment_score":0.2744150434931119},{"text":"This is where I'm working.","start":1142.515,"end":1143.655,"sentiment":"neutral","sentiment_score":0.23286073207855223},{"text":"While that property that you've got in Broomhill, that's still kind of taken care of itself, I'm assuming, for the time being.","start":1143.795,"end":1149.2351,"sentiment":"neutral","sentiment_score":0.03170927063646642},{"text":"There's nothing to yep.","start":1149.2351,"end":1151.7151,"sentiment":"neutral","sentiment_score":0.024296215153299272}],"sentiment":"neutral","sentiment_score":0.10911111551104113,"num_words":40,"start":1140.915,"end":1151.7151},{"sentences":[{"text":"And then from that stable base, then you can invest further onto that property or a different one.","start":1151.7151,"end":1157.2,"sentiment":"neutral","sentiment_score":0.11347545641991827},{"text":"I wouldn't go to investment properties with nowhere to live and renting and trying to juggle two properties while changing work and living situation.","start":1157.98,"end":1166.08,"sentiment":"neutral","sentiment_score":-0.20528302962581316},{"text":"That that sort of rings alarm bells for a bit of risk.","start":1166.7799,"end":1171.275,"sentiment":"negative","sentiment_score":-0.5769906888405482},{"text":"You know what I mean?","start":1173.975,"end":1174.535,"sentiment":"neutral","sentiment_score":-0.05726694762706756},{"text":"Like, if you bought that place out and try to rent it out, but then you need to live there, what do you do?","start":1174.535,"end":1180.235,"sentiment":"neutral","sentiment_score":-0.04108984093181789}],"sentiment":"neutral","sentiment_score":-0.13350136966321124,"num_words":83,"start":1151.7151,"end":1180.235},{"sentences":[{"text":"How's that kind of how's that sounding?","start":1183.015,"end":1184.9299,"sentiment":"neutral","sentiment_score":0.0054840198052780965},{"text":"Sure.","start":1188.83,"end":1189.33,"sentiment":"neutral","sentiment_score":-0.05629146844148636},{"text":"Yes.","start":1216.19,"end":1216.69,"sentiment":"neutral","sentiment_score":0.17979533970355988},{"text":"I did the same thing with mine because when I built my bought bought my first place many years ago, I had a significant amount of savings built up, and I wanted to use the half that I saved as a deposit.","start":1216.83,"end":1229.8451,"sentiment":"neutral","sentiment_score":0.20666420779057912},{"text":"And the half that I'd sort of been given as an inheritance from my grandfather, I wanted to use that for renovations and savings for the for starting a family.","start":1230.2251,"end":1238.645,"sentiment":"neutral","sentiment_score":0.27700445502996446}],"sentiment":"neutral","sentiment_score":0.21175212824694167,"num_words":81,"start":1183.015,"end":1238.645},{"sentences":[{"text":"So you only have to use however much you need as a deposit.","start":1239.025,"end":1243.2301,"sentiment":"neutral","sentiment_score":0.21157784989246955},{"text":"So this is the part where you gotta be really specific with having a good broker or bank because you don't wanna cross collateralize.","start":1243.37,"end":1250.43,"sentiment":"neutral","sentiment_score":0.13642928780366978},{"text":"Again, tying your second property to the first one so if something goes wrong, they can both go, but you can use the equity.","start":1251.8501,"end":1258.655,"sentiment":"neutral","sentiment_score":0.09837100313355525},{"text":"You could possibly use the equity to borrow to get the deposit for the second place or just use the cash.","start":1259.595,"end":1264.47,"sentiment":"neutral","sentiment_score":0.07219785664762769},{"text":"If it's 240,000, I'm assuming the the deposit is gonna be less than $50.","start":1265.03,"end":1270.1699,"sentiment":"neutral","sentiment_score":0.08379280620387622}],"sentiment":"neutral","sentiment_score":0.11536430528697868,"num_words":96,"start":1239.025,"end":1270.1699},{"sentences":[{"text":"And then you can still park a $100,117,000 in an offset account offsetting that loan.","start":1271.4299,"end":1278.1699,"sentiment":"neutral","sentiment_score":0.10698763479789099},{"text":"So it's sitting at $80.90, but you've still got access to all that cash.","start":1278.39,"end":1282.155,"sentiment":"neutral","sentiment_score":0.1298791053039687},{"text":"That's a very safe thing to do because then you're saying, okay.","start":1283.7351,"end":1285.9751,"sentiment":"positive","sentiment_score":0.33427271495262784},{"text":"I've got a little bit of a deposit that I've used.","start":1285.9751,"end":1287.9751,"sentiment":"neutral","sentiment_score":0.1474215273152698},{"text":"That's gone.","start":1287.9751,"end":1288.875,"sentiment":"neutral","sentiment_score":-0.006720993667840961}],"sentiment":"neutral","sentiment_score":0.16745535905162492,"num_words":54,"start":1271.4299,"end":1288.875},{"sentences":[{"text":"I've now got this property, but the amount, technically, I'm owing is to, you know, $1.90, whatever.","start":1289.015,"end":1295.54,"sentiment":"neutral","sentiment_score":0.1283099839792532},{"text":"But then you've got 100 and something thousand sitting in offset against that loan.","start":1296.16,"end":1300.4,"sentiment":"neutral","sentiment_score":0.21096756947892054},{"text":"That's fantastic.","start":1300.4,"end":1301.3,"sentiment":"positive","sentiment_score":0.7970231473445892},{"text":"But then you've got that money there still available.","start":1301.68,"end":1303.76,"sentiment":"neutral","sentiment_score":0.3013646284946137},{"text":"So if you need to live off of it for a couple of months while you get yourself sorted, you can do that.","start":1303.76,"end":1309.935,"sentiment":"neutral","sentiment_score":0.2191286080557367}],"sentiment":"neutral","sentiment_score":0.2227861790273052,"num_words":65,"start":1289.015,"end":1309.935},{"sentences":[{"text":"You can access it.","start":1309.935,"end":1311.0751,"sentiment":"neutral","sentiment_score":0.2305438220500946},{"text":"Yep.","start":1312.655,"end":1313.155,"sentiment":"neutral","sentiment_score":0.18070942163467407},{"text":"So you don't have to use it all up.","start":1313.2151,"end":1315.3151,"sentiment":"neutral","sentiment_score":0.2596623616086112},{"text":"You can just use how much you want for the deposit.","start":1315.375,"end":1317.63,"sentiment":"positive","sentiment_score":0.37517488544637506},{"text":"It just means the loan will be bigger.","start":1317.63,"end":1319.3301,"sentiment":"positive","sentiment_score":0.34541670978069305}],"sentiment":"neutral","sentiment_score":0.3130334358323704,"num_words":33,"start":1309.935,"end":1319.3301},{"sentences":[{"text":"Like, if you literally dumped a 150,000 on the property, the loan will be calculated on $90, and the repayments will be smaller.","start":1319.4701,"end":1327.3301,"sentiment":"neutral","sentiment_score":0.23511940564798273},{"text":"If you go the flip side, the repayments will be based on that 190,000, a little bit higher, but you're just offsetting the majority of it for interest in capital.","start":1328.11,"end":1338.8151,"sentiment":"neutral","sentiment_score":0.0863194152712822},{"text":"Yeah.","start":1365.935,"end":1366.435,"sentiment":"neutral","sentiment_score":-0.06314383447170258},{"text":"That's again.","start":1386.895,"end":1387.375,"sentiment":"neutral","sentiment_score":-0.05193793773651123},{"text":"I think I had you at 85 87 before.","start":1387.375,"end":1390.035,"sentiment":"neutral","sentiment_score":-0.03449150174856186}],"sentiment":"neutral","sentiment_score":0.11569054711323518,"num_words":65,"start":1319.4701,"end":1390.035},{"sentences":[{"text":"Yep.","start":1406.1901,"end":1406.595,"sentiment":"neutral","sentiment_score":0.10490592569112778},{"text":"Yeah.","start":1423.57,"end":1423.89,"sentiment":"neutral","sentiment_score":0.12897628545761108},{"text":"I'm with you.","start":1423.89,"end":1424.79,"sentiment":"neutral","sentiment_score":0.11520911008119583},{"text":"Yeah.","start":1451.92,"end":1452.42,"sentiment":"neutral","sentiment_score":-0.03999129682779312},{"text":"I can give you tax information.","start":1463.855,"end":1465.555,"sentiment":"neutral","sentiment_score":0.02779210141549508}],"sentiment":"neutral","sentiment_score":0.05885590442145864,"num_words":12,"start":1406.1901,"end":1465.555},{"sentences":[{"text":"Only accountants can really give tax fund.","start":1465.855,"end":1479.77,"sentiment":"neutral","sentiment_score":0.03558005964649575},{"text":"Because you're looking at, like, I'm just sort of stepping back.","start":1479.83,"end":1482.965,"sentiment":"neutral","sentiment_score":-0.1430850245735862},{"text":"6 or $7 worth of interest from your goal saver account getting added over the top.","start":1482.965,"end":1488.0249,"sentiment":"neutral","sentiment_score":-0.07817829912528396},{"text":"So, obviously, that that little bit gets added to your income to be taxed as well.","start":1488.085,"end":1492.265,"sentiment":"neutral","sentiment_score":-0.10496534360572696},{"text":"When that's sitting in an offset account to your home loan, you're not getting taxed on that because it's offsetting interest.","start":1493.6849,"end":1500.25,"sentiment":"neutral","sentiment_score":-0.11713881684201104}],"sentiment":"neutral","sentiment_score":-0.09457870831214626,"num_words":71,"start":1465.855,"end":1500.25},{"sentences":[{"text":"It's not paying you interest.","start":1500.25,"end":1501.63,"sentiment":"neutral","sentiment_score":-0.15913636684417726},{"text":"So that's one plus is once you do do that, let's say you buy that property and have that 100 and whatever grand left over sitting against the loan, it's offsetting, and you're not getting taxed on that.","start":1503.21,"end":1514.2949,"sentiment":"neutral","sentiment_score":0.062157098669558764},{"text":"So that's good.","start":1514.2949,"end":1515.1749,"sentiment":"positive","sentiment_score":0.5207155247529348},{"text":"You're trying to keep your side business under the $18.19 grand, so that's another thing.","start":1515.1749,"end":1519.835,"sentiment":"neutral","sentiment_score":0.22857719163099924},{"text":"And then, obviously, wages become a thing too.","start":1520.375,"end":1523.04,"sentiment":"neutral","sentiment_score":-0.01798465254250914}],"sentiment":"neutral","sentiment_score":0.09294514700878358,"num_words":69,"start":1500.25,"end":1523.04},{"sentences":[{"text":"But, again, if you sort of uproot and move and and pause employment for a while, that's gonna impact your annual income while you're drawing down on the cash and getting yourself set up.","start":1523.04,"end":1532.9601,"sentiment":"neutral","sentiment_score":-0.11116924520362825},{"text":"So you're obviously not gonna be fully earning that amount for the full financial year, so that'll be good as well.","start":1532.9601,"end":1538.695,"sentiment":"neutral","sentiment_score":-0.0328442809127626},{"text":"Yeah.","start":1575.745,"end":1576.17,"sentiment":"neutral","sentiment_score":-0.1230461522936821},{"text":"Quite the impact.","start":1578.7301,"end":1579.63,"sentiment":"neutral","sentiment_score":0.013122371087471644},{"text":"Yeah.","start":1609.72,"end":1610.0399,"sentiment":"neutral","sentiment_score":0.14706747233867645}],"sentiment":"neutral","sentiment_score":-0.07343493004639944,"num_words":60,"start":1523.04,"end":1610.0399},{"sentences":[{"text":"Because even if I look at the let me just spin up the old marginal rates for a quick second because, obviously, they've been updated.","start":1610.0399,"end":1615.705,"sentiment":"neutral","sentiment_score":0.05387691006064415},{"text":"Individual pay rates or tax.","start":1616.245,"end":1620.425,"sentiment":"neutral","sentiment_score":0.046301843225955965},{"text":"That's alright.","start":1625.605,"end":1626.005,"sentiment":"positive","sentiment_score":0.3363845646381378},{"text":"If you need to eat something, that's totally cool.","start":1626.005,"end":1627.92,"sentiment":"positive","sentiment_score":0.510799636443456},{"text":"I was just double checking that if you're sitting at a 107,000, say, with your wages and your business total income, you're sitting in that 32% bracket.","start":1628.64,"end":1639.4601,"sentiment":"neutral","sentiment_score":0.11243733749897392}],"sentiment":"neutral","sentiment_score":0.1453559696674347,"num_words":68,"start":1610.0399,"end":1639.4601},{"sentences":[{"text":"And then if you were to earn, say, the four and a half percent from the goal saver, you'd be paying in $2,200 on tax on that.","start":1639.92,"end":1651.885,"sentiment":"neutral","sentiment_score":0.007948825032346778},{"text":"That's right.","start":1659.24,"end":1659.88,"sentiment":"neutral","sentiment_score":0.08960960805416107},{"text":"So I've just added your 87 and a half grand income with, let's say, 18 to 20 for the business and then another 6,800 from the interest of the goal saver account.","start":1659.88,"end":1674.455,"sentiment":"neutral","sentiment_score":0.07158387103118002},{"text":"And if that gets lumped over the top based on your current bracket, you'd be paying the 32% on that.","start":1674.6749,"end":1681.58,"sentiment":"neutral","sentiment_score":0.020087824016809464},{"text":"So that would work out to be a couple of grand tax that you'd pay on the interest of the GoldSaver account that you wouldn't pay.","start":1683.24,"end":1689.08,"sentiment":"neutral","sentiment_score":-0.0007130144916188258}],"sentiment":"neutral","sentiment_score":0.02867046232274342,"num_words":107,"start":1639.92,"end":1689.08},{"sentences":[{"text":"Yeah.","start":1689.08,"end":1689.58,"sentiment":"neutral","sentiment_score":-0.17146877944469452},{"text":"Pretty strange, isn't it?","start":1694.2,"end":1695.24,"sentiment":"neutral","sentiment_score":-0.28371965140104294},{"text":"You earn $6 interest, and they've got to charge you a couple of grand tax on that just for having some money in savings, which is why offsets are so fantastic.","start":1695.24,"end":1703.775,"sentiment":"neutral","sentiment_score":-0.1788278361482005},{"text":"But, you know, we do what we can do, navigate it.","start":1703.8351,"end":1706.5751,"sentiment":"neutral","sentiment_score":0.03456095267425884},{"text":"Never mind.","start":1716.07,"end":1716.89,"sentiment":"negative","sentiment_score":-0.3954910337924957}],"sentiment":"neutral","sentiment_score":-0.1481800386492087,"num_words":49,"start":1689.08,"end":1716.89},{"sentences":[{"text":"I don't enjoy it either.","start":1716.95,"end":1718.33,"sentiment":"negative","sentiment_score":-0.6287500143051148},{"text":"Yeah.","start":1737.685,"end":1738.05,"sentiment":"neutral","sentiment_score":-0.12138685584068298},{"text":"Yep.","start":1742.8501,"end":1743.3501,"sentiment":"neutral","sentiment_score":0.018735460937023163},{"text":"Yeah.","start":1770.1901,"end":1770.6901,"sentiment":"neutral","sentiment_score":0.0725366547703743},{"text":"Correct.","start":1774.11,"end":1774.61,"sentiment":"neutral","sentiment_score":0.09337081760168076}],"sentiment":"negative","sentiment_score":-0.3422771104507976,"num_words":9,"start":1716.95,"end":1774.61},{"sentences":[{"text":"Do you think you're gonna go through and try and purchase this one before the end of financial year?","start":1782.585,"end":1787.085,"sentiment":"neutral","sentiment_score":0.09361463647923972},{"text":"Yep.","start":1789.385,"end":1789.62,"sentiment":"neutral","sentiment_score":0.10560242831707},{"text":"While you're there and you can actually look after it.","start":1822.43,"end":1824.5901,"sentiment":"neutral","sentiment_score":0.10443187579512596},{"text":"Because when you're in a small town like that, it's sometimes hard to have somebody looking after property renovating it that you can't see and you're not around.","start":1824.5901,"end":1833.675,"sentiment":"neutral","sentiment_score":-0.03212086796494467},{"text":"So being able to have them while you're there is a bit of a plus as well.","start":1833.895,"end":1837.835,"sentiment":"neutral","sentiment_score":0.2135887698215597}],"sentiment":"neutral","sentiment_score":0.07546965417762598,"num_words":75,"start":1782.585,"end":1837.835},{"sentences":[{"text":"Yeah.","start":1860.0851,"end":1860.5851,"sentiment":"neutral","sentiment_score":-0.016660818830132484},{"text":"And how much are you currently paying in rent for where you are?","start":1881.85,"end":1885.555,"sentiment":"neutral","sentiment_score":0.07390019612816665},{"text":"Oh, nice.","start":1893.295,"end":1894.035,"sentiment":"positive","sentiment_score":0.4964483976364136},{"text":"Yeah.","start":1898.415,"end":1898.79,"sentiment":"neutral","sentiment_score":0.1609763652086258},{"text":"Well, it definitely seems like you'll be saving a little bit if you got that property for $2.40 because even then let let's say $5.50 a week rent, that's 12% of the value of that property.","start":1907.75,"end":1921.9049,"sentiment":"positive","sentiment_score":0.41102587969766724}],"sentiment":"neutral","sentiment_score":0.31877068981950013,"num_words":53,"start":1860.0851,"end":1921.9049},{"sentences":[{"text":"Most of the time, the rent's somewhere between 510%.","start":1922.125,"end":1925.105,"sentiment":"neutral","sentiment_score":0.18651890257994333},{"text":"So what I'm sort of saying there is if you're renting out that place, depending on economics and social things and employment, $5.50 compared to $25,300 is a big difference.","start":1925.725,"end":1938.48,"sentiment":"neutral","sentiment_score":0.10642223730683327},{"text":"But, obviously, the the loan shouldn't cost that much.","start":1938.62,"end":1943.135,"sentiment":"neutral","sentiment_score":0.013431870223333439},{"text":"Maybe a little bit on the way in terms of rates and insurance.","start":1943.8351,"end":1947.055,"sentiment":"neutral","sentiment_score":0.016174032281224545},{"text":"Yeah.","start":1958.01,"end":1958.51,"sentiment":"neutral","sentiment_score":0.14734254777431488}],"sentiment":"neutral","sentiment_score":0.0862875651913665,"num_words":62,"start":1922.125,"end":1958.51},{"sentences":[{"text":"Yeah.","start":1964.09,"end":1964.33,"sentiment":"neutral","sentiment_score":0.17289786040782928},{"text":"Exactly.","start":1964.33,"end":1964.83,"sentiment":"neutral","sentiment_score":0.1957947462797165},{"text":"And think of what that does for you financially, though, too, because you've got this 153 sitting in in the cash at the moment.","start":1964.89,"end":1971.855,"sentiment":"neutral","sentiment_score":0.17926628918697438},{"text":"That's an asset.","start":1972.5549,"end":1973.5349,"sentiment":"neutral","sentiment_score":0.15510563055674234},{"text":"Assets go towards your ability to borrow to get more assets and wealth and loans and things like that.","start":1973.835,"end":1980.1749,"sentiment":"neutral","sentiment_score":0.1671687944939262}],"sentiment":"neutral","sentiment_score":0.17317932362978658,"num_words":48,"start":1964.09,"end":1980.1749},{"sentences":[{"text":"Same thing if you've got the property is that property value gets taken into account.","start":1980.395,"end":1985.29,"sentiment":"neutral","sentiment_score":0.07025433008869489},{"text":"The amount that's in the offset account gets taken into account, but then you've got all the cash that you could still access.","start":1985.43,"end":1990.25,"sentiment":"neutral","sentiment_score":0.13060584194634273},{"text":"You've got the cheaper accommodation compared to the rent that you're currently paying.","start":1990.79,"end":1995.2101,"sentiment":"positive","sentiment_score":0.35110066257990324},{"text":"So it will start to put you in front in a cash flow and capital position over the years.","start":1995.43,"end":2001.495,"sentiment":"positive","sentiment_score":0.403434334616912},{"text":"That will then allow you to do other things, whether that's investing or get the next property or build that next dwelling, but it gives you a pretty much of a safe base.","start":2002.115,"end":2009.955,"sentiment":"neutral","sentiment_score":0.26558637122313183}],"sentiment":"neutral","sentiment_score":0.24322000522057988,"num_words":103,"start":1980.395,"end":2009.955},{"sentences":[{"text":"As long as you can sort employment out and you can earn enough, then it should be pretty good, actually, both in terms of cash flow and your overall wealth.","start":2009.955,"end":2020.3201,"sentiment":"positive","sentiment_score":0.39209388196468353},{"text":"That's what I was gonna say is I'm not giving you advice right now, but please don't run off and go buy a second investment property and build a dwelling on that one and then lose where you're living and having to sort out where you're working.","start":2033.235,"end":2043.27,"sentiment":"neutral","sentiment_score":-0.18595171818866374},{"text":"That's not a fun position to be in.","start":2043.5701,"end":2045.65,"sentiment":"negative","sentiment_score":-0.5635373331606388},{"text":"We can take a couple of reasonable steps.","start":2045.65,"end":2047.75,"sentiment":"neutral","sentiment_score":-0.09173076134175062},{"text":"And over five years' time, who knows where you could be?","start":2047.81,"end":2051.235,"sentiment":"neutral","sentiment_score":-0.038908522576093674}],"sentiment":"neutral","sentiment_score":-0.025452430771950346,"num_words":104,"start":2009.955,"end":2051.235},{"sentences":[{"text":"But it will be on a pretty good trajectory is what we wanna be on.","start":2051.715,"end":2055.415,"sentiment":"neutral","sentiment_score":0.18711897879838943},{"text":"We wanna be going up.","start":2057.0752,"end":2058.375,"sentiment":"neutral","sentiment_score":0.18779249489307404},{"text":"Yeah.","start":2069.53,"end":2070.03,"sentiment":"neutral","sentiment_score":-0.02543768286705017},{"text":"You've had a long enough of uncertainty as well.","start":2071.29,"end":2074.27,"sentiment":"neutral","sentiment_score":-0.15392967934409776},{"text":"You've had long enough of uncertainty as well, given how worried you were a year ago and so on.","start":2075.85,"end":2082.275,"sentiment":"neutral","sentiment_score":-0.14059731050541527}],"sentiment":"neutral","sentiment_score":-0.006865439594400172,"num_words":49,"start":2051.715,"end":2082.275},{"sentences":[{"text":"Yeah.","start":2088.415,"end":2088.915,"sentiment":"neutral","sentiment_score":-0.036552272737026215},{"text":"Were you thinking of something to do with the taxes, property?","start":2098.67,"end":2101.49,"sentiment":"neutral","sentiment_score":-0.041803380474448204},{"text":"Yeah.","start":2106.3499,"end":2106.645,"sentiment":"neutral","sentiment_score":0.0053994134068489075},{"text":"Yeah.","start":2132.9,"end":2133.22,"sentiment":"neutral","sentiment_score":0.007217414677143097},{"text":"We you always wanna be honest with your broker.","start":2133.22,"end":2135.375,"sentiment":"neutral","sentiment_score":-0.04028229498200946}],"sentiment":"neutral","sentiment_score":-0.03679622977000216,"num_words":23,"start":2088.415,"end":2135.375},{"sentences":[{"text":"They're supposed to be on your side.","start":2135.835,"end":2137.535,"sentiment":"neutral","sentiment_score":0.018345691662813936},{"text":"The what I was saying about the cross collateralization, it's more of a trick of paperwork than anything too crazy.","start":2137.835,"end":2145.295,"sentiment":"neutral","sentiment_score":-0.1093022096902132},{"text":"So I'll give you an example of my properties.","start":2145.595,"end":2148.575,"sentiment":"neutral","sentiment_score":0.05701313126418325},{"text":"So if I was to put my home as collateral to get the loan for my investment property, it kind of ties them together so that if something goes wrong with one, they can come after the other one.","start":2149.5898,"end":2163.1648,"sentiment":"neutral","sentiment_score":0.0037217379953616704},{"text":"What I did instead was they I took out a loan on the home to get the deposit out to use for the second property.","start":2163.385,"end":2172.285,"sentiment":"neutral","sentiment_score":0.04197319701313972}],"sentiment":"neutral","sentiment_score":-0.0035002846363931892,"num_words":100,"start":2135.835,"end":2172.285},{"sentences":[{"text":"So it kinda gives that degree of separation legally.","start":2172.7449,"end":2175.325,"sentiment":"neutral","sentiment_score":0.010610589964522256},{"text":"So what I mean is I've got three loans.","start":2179.28,"end":2181.44,"sentiment":"neutral","sentiment_score":0.04488709382712841},{"text":"I've got one on the home, one on the investment property, but now I've got this small deposit loan on the first property that I used for the second one.","start":2181.44,"end":2189.28,"sentiment":"neutral","sentiment_score":0.07303652676443259},{"text":"It was like a cash out.","start":2189.28,"end":2190.495,"sentiment":"neutral","sentiment_score":0.05786788463592529},{"text":"Yeah.","start":2195.8552,"end":2196.2551,"sentiment":"neutral","sentiment_score":0.11351027339696884}],"sentiment":"neutral","sentiment_score":0.0572962279685519,"num_words":55,"start":2172.7449,"end":2196.2551},{"sentences":[{"text":"Yep.","start":2196.2551,"end":2196.655,"sentiment":"neutral","sentiment_score":0.11324750632047652},{"text":"So I just bumped up the the amount I owe on the home that I'm living in to get out a bit of that as a deposit for the next one without just straight up linking them up as this versus that.","start":2196.655,"end":2206.48,"sentiment":"neutral","sentiment_score":0.04208027917359557},{"text":"Yep.","start":2211.5,"end":2211.82,"sentiment":"neutral","sentiment_score":0.0013726387405768037},{"text":"And, again, just make sure you let them know that you know, just to balance the deposit out so that you can make sure you've got as much in your offset as possible, like the smallest loan amount.","start":2211.82,"end":2222.3352,"sentiment":"neutral","sentiment_score":0.07075143164317858},{"text":"Not the smallest loan amount.","start":2225.0352,"end":2226.155,"sentiment":"neutral","sentiment_score":-0.020441122725605963}],"sentiment":"neutral","sentiment_score":0.05136023746166464,"num_words":87,"start":2196.2551,"end":2226.155},{"sentences":[{"text":"Sorry.","start":2226.155,"end":2226.635,"sentiment":"neutral","sentiment_score":-0.047281377017498016},{"text":"Smallest deposit amount.","start":2226.635,"end":2227.915,"sentiment":"neutral","sentiment_score":-0.025402134284377098},{"text":"You don't wanna use up all of your cash as a deposit.","start":2227.915,"end":2230.77,"sentiment":"neutral","sentiment_score":-0.009992639747603485},{"text":"You just want the usual 20% to avoid LMI or whatever it is.","start":2230.77,"end":2234.87,"sentiment":"neutral","sentiment_score":0.04516299226536201},{"text":"And then once you've got that in there, you can park all the cash in there.","start":2236.29,"end":2240.07,"sentiment":"neutral","sentiment_score":0.10729078715667129}],"sentiment":"neutral","sentiment_score":0.04578604526921279,"num_words":45,"start":2226.155,"end":2240.07},{"sentences":[{"text":"Yep.","start":2246.415,"end":2246.895,"sentiment":"neutral","sentiment_score":0.17265400290489197},{"text":"And the good thing too is your the cash that you've got, it's just in a gold saver.","start":2246.895,"end":2252.895,"sentiment":"positive","sentiment_score":0.47595008048746323},{"text":"It's not currently trying to offset that investment property or anything weird like that.","start":2252.895,"end":2256.675,"sentiment":"neutral","sentiment_score":0.10120805432753903},{"text":"Yeah.","start":2257.535,"end":2257.9348,"sentiment":"neutral","sentiment_score":0.1415642648935318},{"text":"Cool.","start":2257.9348,"end":2258.4,"sentiment":"neutral","sentiment_score":0.194843590259552}],"sentiment":"neutral","sentiment_score":0.299802173354796,"num_words":35,"start":2246.415,"end":2258.4},{"sentences":[{"text":"Because That's what you want.","start":2258.48,"end":2259.52,"sentiment":"neutral","sentiment_score":0.1299135208129883},{"text":"Right?","start":2259.52,"end":2260.02,"sentiment":"neutral","sentiment_score":0.06698864698410034},{"text":"You wanna maximize the the good investment debt, minimize that non tax deductible consumer debt.","start":2260.88,"end":2268.0,"sentiment":"neutral","sentiment_score":0.32682031293710073},{"text":"So having all offsetting your PPR is good, where you're living, that's great.","start":2268.0,"end":2272.065,"sentiment":"positive","sentiment_score":0.525403224504911},{"text":"And then you get the maximum amount of deductions by having all the debt on your other property.","start":2272.2249,"end":2276.805,"sentiment":"neutral","sentiment_score":0.17406894101036918}],"sentiment":"neutral","sentiment_score":0.29966045772800076,"num_words":52,"start":2258.48,"end":2276.805},{"sentences":[{"text":"Yeah.","start":2291.73,"end":2292.23,"sentiment":"neutral","sentiment_score":0.005251248832792044},{"text":"They are.","start":2293.41,"end":2294.23,"sentiment":"neutral","sentiment_score":0.015640104189515114},{"text":"Yeah.","start":2298.93,"end":2299.43,"sentiment":"neutral","sentiment_score":0.19784827530384064},{"text":"So without going too far across the line, I think that's the pathway that kinda suits you the best, and it gives us a lot of options for what to do next, second and third steps afterwards.","start":2299.49,"end":2310.2651,"sentiment":"neutral","sentiment_score":0.24484868065730944},{"text":"Obviously, I need you to you have to go through, take the leap, and go through these steps and just give us some updates on when you've got address changes and employment changes and so on.","start":2310.485,"end":2320.255,"sentiment":"neutral","sentiment_score":0.15151183578806618}],"sentiment":"neutral","sentiment_score":0.19153515591177267,"num_words":77,"start":2291.73,"end":2320.255},{"sentences":[{"text":"But outside of that, once you're all settled, we can kind of work through a few things on the medium term after that.","start":2320.255,"end":2328.583,"sentiment":"neutral","sentiment_score":0.06999525905627271},{"text":"Cool.","start":2328.583,"end":2328.945,"sentiment":"positive","sentiment_score":0.3528395891189575},{"text":"That's okay.","start":2336.225,"end":2336.865,"sentiment":"neutral","sentiment_score":0.23375596851110458},{"text":"I do apologize it took me a little bit of time to get on the phone with you, but your call your call is always important, Claire.","start":2336.865,"end":2342.64,"sentiment":"neutral","sentiment_score":-0.011032424453232024},{"text":"We did.","start":2344.16,"end":2344.5598,"sentiment":"neutral","sentiment_score":0.2959668040275574}],"sentiment":"neutral","sentiment_score":0.04953273876824162,"num_words":55,"start":2320.255,"end":2344.5598},{"sentences":[{"text":"We did.","start":2344.5598,"end":2345.1199,"sentiment":"neutral","sentiment_score":0.26232442259788513},{"text":"But you're happy so far?","start":2345.1199,"end":2346.48,"sentiment":"positive","sentiment_score":0.3727078914642334},{"text":"Got a few ideas?","start":2346.48,"end":2347.5398,"sentiment":"neutral","sentiment_score":0.226161926984787},{"text":"Cool.","start":2351.3599,"end":2351.8599,"sentiment":"positive","sentiment_score":0.4552066922187805},{"text":"Cool.","start":2356.895,"end":2357.395,"sentiment":"neutral","sentiment_score":0.264699250459671}],"sentiment":"neutral","sentiment_score":0.3086724579334259,"num_words":13,"start":2344.5598,"end":2357.395},{"sentences":[{"text":"I might just send you the usual text for how we did today if you're happy with the service.","start":2357.535,"end":2363.555,"sentiment":"neutral","sentiment_score":0.19291156873499093},{"text":"I'll update your notes on the file so everyone's aware with what the plan kind of is, but I won't change anything until you've actually gone and taken those steps.","start":2364.015,"end":2371.2,"sentiment":"neutral","sentiment_score":0.08161420300602913},{"text":"Awesome.","start":2373.3599,"end":2373.76,"sentiment":"positive","sentiment_score":0.7023212313652039},{"text":"Great.","start":2373.76,"end":2374.26,"sentiment":"positive","sentiment_score":0.852916955947876},{"text":"You have a fantastic week, and we'll talk to you again soon.","start":2374.4,"end":2377.22,"sentiment":"positive","sentiment_score":0.778055340051651}],"sentiment":"neutral","sentiment_score":0.26993092323934276,"num_words":63,"start":2357.535,"end":2377.22},{"sentences":[{"text":"See you.","start":2379.44,"end":2380.18,"sentiment":"neutral","sentiment_score":0.07883635535836218}],"sentiment":"neutral","sentiment_score":0.07883635535836218,"num_words":2,"start":2379.44,"end":2380.18}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Good afternoon. Oakview Financial. This is Samantha.\n\nChannel 0: Hey, Samantha. I just Tommy just called me, and my phone, I just missed it by a second.\n\nChannel 1: Yep. Yep. Okay. No worries. Was it Claire?\n\nChannel 0: Yes. It is. Thanks.\n\nChannel 1: Yep. Not a problem. I just need to confirm your date of birth and residential address, and then I can transfer you through straight to Tommy.\n\nChannel 0: Okeydoke. It is the 1978, and my residential address is 2 4th Street, Room W A 6725.\n\nChannel 1: Perfect, Claire. Thanks so much for confirming those details. I'll\n\nChannel 0: Thank\n\nChannel 1: transfer\n\nChannel 0: you.\n\nChannel 1: you through to Tommy now. Thanks. Good afternoon, Claire. Thank you so much for calling back in. This is Tommy.\n\nChannel 0: No worries, honey. Thanks. How are you today?\n\nChannel 1: I'm doing fantastic. I do apologize if I'm a little bit croaky. Just coming back from a bit of a bit of a family flu at the moment, but always fun to play a bit of the phone tag. So thank you so much\n\nChannel 0: I do love a bit of phone\n\nChannel 1: for\n\nChannel 0: tag myself, mate.\n\nChannel 1: calling in. It's all good. And I was sitting there with the the team, and for some reason, we couldn't answer the phone when you're calling in. So sorry for the bit of a hold time there, but we have each other. So it's fantastic.\n\nChannel 0: Yes.\n\nChannel 1: Happy New Year.\n\nChannel 0: Yes. Yes. Happy New Year. Happy New Year to you too. Yeah.\n\nSo, look, I guess I just wanted to kind of I mean, I did sort of wanna catch up at the end of last year, and everyone was going on holidays.\n\nChannel 1: Yeah.\n\nChannel 0: And so then, of course and then I've gotten distracted again as, you know, like, as you do.\n\nChannel 1: Life happens.\n\nChannel 0: So but there was a couple of questions that I have for you, which I just wanna go through.\n\nChannel 1: Yeah. I've got\n\nChannel 0: Now\n\nChannel 1: it penciled\n\nChannel 0: I'm a bit\n\nChannel 1: in for\n\nChannel 0: vague. I\n\nChannel 1: a\n\nChannel 0: sort of haven't eaten anything all day today, so I'm sort of\n\nChannel 1: oh,\n\nChannel 0: and I'm\n\nChannel 1: no\n\nChannel 0: multi\n\nChannel 1: good.\n\nChannel 0: skilling as we speak.\n\nChannel 1: That's\n\nChannel 0: But\n\nChannel 1: okay. And I do have some notes from our last conversations because we were we were chatting kind of mid last year around what was going on with the properties, and we did a bit of that sort of super contribution in claiming that. So I'm assuming there's been a few changes in the last six months or so.\n\nChannel 0: Yeah. Yeah. Well, I mean, there hasn't actually been any changes, but I guess, you know, I, you know, like, I I kind of, you know, I go through these stages where all of a sudden I'm like, oh, I gotta do something now.\n\nChannel 1: Yeah.\n\nChannel 0: And then, you know, and then, of course, the time passes and it's like, oh, shit. Anyway, so I guess what I wanted to discuss with you today is a couple of things. One, I wanna know, like, what would be the best process, like, step by step, so to speak? If I wanna invest in a couple of different things\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So and my thing is is real estate. It's not not really stocks and stuff like that. It's not that I don't wanna do any stocks and things like that, but I guess, you know, I I sort of feel that the current environment probably, you know, like, unless you really know what you're doing, you know, you probably could you could potentially just be throwing money at a dead horse. And, again, you know, the like so yeah.\n\nSo so not so much wanting to worry about anything stocks or anything like that.\n\nChannel 1: Sure.\n\nChannel 0: What I am sort of wanting to kinda get a bit of a gift about is if I have money in the bank,\n\nChannel 1: Yeah.\n\nChannel 0: which I do. I sort of am looking to get a loan, but just a sort of, like, a a an affordable house loan\n\nChannel 1: Sure.\n\nChannel 0: As in, like so I've been looking at a joint. It's a bit, you know, out in the middle of nowhere. There's a couple of other places that, you know, like, say say it was up to about maybe $3.20 or so, like, thousand dollars. So I think currently, like, I can I can probably get away without having to do my tax return and and and potentially get approval? So but my other thing is is that I still have, like, my other loan, which I have current which I've split, by the way.\n\nChannel 1: Okay.\n\nChannel 0: So I've split it to I think it's about 90,000 and 40,000. So this the 90,000 is fixed, and the 40,000 is a variable.\n\nChannel 1: Yep. With\n\nChannel 0: The\n\nChannel 1: you.\n\nChannel 0: variable also has a, like, an off set account with about, I don't know, $1,617,000 dollars in it. So, I guess, just to reduce my tax oh, no. No. No. Just like so this is where I get confused.\n\nLike, there's just so many different things going on with money stuff. You know?\n\nChannel 1: Yeah.\n\nChannel 0: As I'm sure you're aware, that's why I sorta get a little bit, like, confused, I guess, is the word. So so, basically, I've got my current loan. And like I said,\n\nChannel 1: Mhmm.\n\nChannel 0: one's 90, the other one's about 40. I might even get on there and have a look while I'm talking about it. And what my in the short the short of it, Tommy, is what I'm thinking is what I would like to do is get an additional loan for maybe maybe up to, like, 300,000, probably at the most, ideally.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Just me. Just me by myself. And but then following that with the money that, I guess, that I have in the bank and then using what equity I have on my little house in Broomhill to put, like, a, like, a modular home on it.\n\nChannel 1: Okay.\n\nChannel 0: But but\n\nChannel 1: So\n\nChannel 0: what I'm thinking is how is the best way to do that, and is there a best order?\n\nChannel 1: right.\n\nChannel 0: That makes\n\nChannel 1: So\n\nChannel 0: sense?\n\nChannel 1: it does. So the place in Broomhill, was that the one that, I think a little while ago, I think you you were owing around about $1.40. It was valued at about $1.80, and\n\nChannel 0: Yes.\n\nChannel 1: that's now going down to $1.30. What's the value you're sitting at at the moment?\n\nChannel 0: Well, I think it's gone up to probably at least 200, I'm guessing. But that's just a rough estimate. Like, that's\n\nChannel 1: Yeah.\n\nChannel 0: like, that's not me looking at that's me kind\n\nChannel 1: It's\n\nChannel 0: of, you\n\nChannel 1: not\n\nChannel 0: know,\n\nChannel 1: a\n\nChannel 0: going\n\nChannel 1: specific valuation, but it's a bit of an idea.\n\nChannel 0: yeah. I'm I'm not even sure at this moment, like because it used to show you on CommBank. Like, CommBank used to have, like, a little thing where it would show you what the current sort of general valuation is.\n\nChannel 1: Yeah.\n\nChannel 0: It doesn't actually do that anymore. It should but anyway So I think it would be around about 200, maybe even a little bit more.\n\nChannel 1: With you. With you. So is this the one that's currently sort of rented out investment wise and you wanna add a modular home to that property. Am I with you on that?\n\nChannel 0: Yes.\n\nChannel 1: K. And you think it's sort of like a granny flat type thing, so you can almost kind of instead of subdividing it into two properties, you're kind of having two dwellings on the one property. Is that what you're\n\nChannel 0: Pretty much. Yes. Yeah.\n\nChannel 1: thinking? K. And\n\nChannel 0: Yeah.\n\nChannel 1: they'd\n\nChannel 0: Because\n\nChannel 1: both\n\nChannel 0: it's\n\nChannel 1: be used\n\nChannel 0: like a\n\nChannel 1: for\n\nChannel 0: three\n\nChannel 1: investment\n\nChannel 0: thousand\n\nChannel 1: purposes?\n\nChannel 0: 900 it's 3,920 meters, so it's plenty big enough.\n\nChannel 1: Yeah. Absolutely. Solid sized block. Was that the the two by one? 3,009\n\nChannel 0: So\n\nChannel 1: 100\n\nChannel 0: I'm thinking\n\nChannel 1: square meters?\n\nChannel 0: a two by one. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Or even a little two by two.\n\nChannel 1: K. Alright. So\n\nChannel 0: But, yeah,\n\nChannel 1: both\n\nChannel 0: the two the two by\n\nChannel 1: dwellings\n\nChannel 0: ones are\n\nChannel 1: will\n\nChannel 0: a\n\nChannel 1: be used\n\nChannel 0: lot\n\nChannel 1: for\n\nChannel 0: cheaper.\n\nChannel 1: investment. And we're gonna build on it, right, for about 300,000 or a little bit above.\n\nChannel 0: Well, it probably it it like, what I've looked at sorry.\n\nChannel 1: Because you were looking at somewhere North Of Perth a little while\n\nChannel 0: Yes.\n\nChannel 1: ago, bit\n\nChannel 0: Yeah.\n\nChannel 1: of a small town property that way, or you're\n\nChannel 0: Yes.\n\nChannel 1: thinking of\n\nChannel 0: And\n\nChannel 1: trying\n\nChannel 0: that's\n\nChannel 1: to build\n\nChannel 0: that's\n\nChannel 1: on the\n\nChannel 0: actually\n\nChannel 1: current one?\n\nChannel 0: still the one that I'm looking at. And, I mean, even\n\nChannel 1: Okay.\n\nChannel 0: though it is about, you know, it is a little bit I'm I'm sure I've used this term with you be in the middle of a bum fuck, so to speak.\n\nChannel 1: I'm with\n\nChannel 0: But,\n\nChannel 1: you.\n\nChannel 0: like, you know, it it's still I kind of I just it still has a a mind that's going on out there. So\n\nChannel 1: Yeah.\n\nChannel 0: I think still there's potential, but it's also kind of you know, it's an it's only two and a half hours out of the city. It's, you know, it's a very small town, you know, but it's, like, it's got, like, you know, you know, cutesy kind. It's it's a bit of a a lifestyle kind of change. But I think, like, that I reckon we could potentially get it for relatively cheap. And when I say cheap, I mean, like, maybe $2.40.\n\nChannel 1: Right.\n\nChannel 0: And would I'd probably still wanna spend some money on it because it it ideally, I'd get it for even less than that and spend a bit, but, you know, I guess I'm just sort of overestimating what it would be potentially able to get it\n\nChannel 1: Yeah. So about $2.40 to get it, put in 30 to 60 to kind of improve it,\n\nChannel 0: for.\n\nChannel 1: or is\n\nChannel 0: Yeah.\n\nChannel 1: your second option to kind of build on the Broomhill property?\n\nChannel 0: Well, this is where I'm wanting that's why I'm sort of wanting to talk about it with this with someone who knows finances. So, you know, I kind of, I guess look. My like, you know how I've spoken to you about my current living circumstances.\n\nChannel 1: Yeah.\n\nChannel 0: Well, the\n\nChannel 1: Yeah.\n\nChannel 0: rent the the the actual property that I'm living in, we have just got it, like, until the end of until the June. So\n\nChannel 1: Okay.\n\nChannel 0: my you know how I had spoken to you about\n\nChannel 1: The lease potentially running out and\n\nChannel 0: the lease running out and that they\n\nChannel 1: yeah.\n\nChannel 0: are gonna develop the property. Well, that is sort of coming to a head.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: We do.\n\nChannel 0: so, like, I guess, this is where I'm sort of wanting to speak to you directly because, you know, if I if I'm to put an offer in on Anyaba, which is that that joint, which I said is about worth of, you know, like, I wouldn't pay I don't wanna I would not pay any more than 240 for it. And, ideally, I'd pay, like, 200. So you know? And then, yes, spend a bit of money on it, but, you know, I don't mind living rough for a bit.\n\nChannel 1: Yeah. I'm with you.\n\nChannel 0: That so that, you know, like, without having to actually spend, you know, more than, like, you know, $10,000 just to get it, like, up to scratch\n\nChannel 1: Yeah.\n\nChannel 0: without too much you know, without actually making any improvement, so to speak.\n\nChannel 1: And so the first thing that sort of comes to mind, Claire, is when I'm looking at the idea of building the second dwelling, obviously,\n\nChannel 0: Yep.\n\nChannel 1: while that's being constructed, you'll be spending money on it, but not generating an income until it's built and someone's in there versus\n\nChannel 0: Yep.\n\nChannel 1: when you buy the other property, then you can pretty much tend into almost straight away depending on, you know, somebody already there, leases, owner occupiers, that kind of thing, and how\n\nChannel 0: Yeah.\n\nChannel 1: much work it takes to get it into that position. Do you still have a lot of the cash proceeds from your property sale still in the bank at the moment, or is it just that sort of small $16\n\nChannel 0: No.\n\nChannel 1: in the offset?\n\nChannel 0: It's I've got I've got, like, a 153 in, like, a GoldSaver account, which taxes me.\n\nChannel 1: Yeah.\n\nChannel 0: Goddamn\n\nChannel 1: That's\n\nChannel 0: it.\n\nChannel 1: right.\n\nChannel 0: How\n\nChannel 1: 100\n\nChannel 0: rude.\n\nChannel 1: and 53.\n\nChannel 0: I mean, seriously.\n\nChannel 1: Yep. And 16 in the offset.\n\nChannel 0: 17 in the offset. But\n\nChannel 1: 17 in the offset. So you're still kind of, I guess, I\n\nChannel 0: yes.\n\nChannel 1: wouldn't say cash rich, but you've got enough cash there in capital to be able to do the renovations, a bit of a build, deposit for the next property. So you've got options there. In terms of getting the loan across the line, you did mention that before doing the next tax return, you could possibly get lending across the line. Have you spoken to sort of the bank and the broker about\n\nChannel 0: Yep.\n\nChannel 1: that being a bit of a green\n\nChannel 0: I\n\nChannel 1: light?\n\nChannel 0: I have. I have. So the last time I spoke to them and they we sort of talked about what my potential was. It was like I think the maximum was up to $4.20, but that was you know? And and so you kinda then I would potentially like, in anything over that, I would potentially need to go and get, like, all my tax to sort of get it past the bank.\n\nChannel 1: Right. So it's still possible now with the cash that you've got, the income and on paper that you've got to try and get something well, at least $2.40 doesn't seem out of the park.\n\nChannel 0: No. Well, that's what I thought. That's what I'm thinking.\n\nChannel 1: Have you looked at how much that one might rent for versus the cost of the build for that second dwelling.\n\nChannel 0: Well, I would say that the one down in Broomhill, well, it it it very much is variable. Like, I would say, though, that the one in Broomhill would probably be a lot easier to rent. The one that's in the smaller community in the Midwest is is a very small community. However, there is a mine that is starting well, actually, it's been going on for a while, but it's it's starting to what is it's like a rare earth refinery. So\n\nChannel 1: Gotcha.\n\nChannel 0: and it's, you know, in, like, a super small town. I think there's, like, a population of approximately, like, a 150, a 180 odd people. Like, it's small.\n\nChannel 1: Oh, interesting.\n\nChannel 0: Yeah. So the the that I know that that limits it a lot,\n\nChannel 1: Yeah.\n\nChannel 0: especially with, like, rental potential. But I guess my other thing is is that I wouldn't mind just going there, dropping my shit, and then, you know, come and go as I play because it's like a it's it's pretty safe or I could just live there and\n\nChannel 1: Yeah.\n\nChannel 0: with the mind starting sort of get some work. You know? I can get work any I mean, I can get work or I can sort of, you know, manage for a bit until I do get work. So this is why I wanted to speak to you just to sort of get them, like, clear, like, don't be a dickhead. So\n\nChannel 1: Yeah. That was gonna be my next question because last when we spoke last year, there was obviously the worry about the living situation and work. And\n\nChannel 0: yep.\n\nChannel 1: one of the big things is if you have to move and change work, well, you probably don't wanna be rushing into getting massive amounts of loans that, again, let's say you borrowed x amount to build a second dwelling on that other property in the middle of having to change where you live and work, that's gonna\n\nChannel 0: Yeah.\n\nChannel 1: be a pretty rough combination because that could easily just rinse out your savings. Because, obviously, bills sometimes tend to blow out in proportion and costs and time frame. So you don't wanna\n\nChannel 0: Yes.\n\nChannel 1: be in that position where your living situation is up in the air, your work's up in the air, and then all of a sudden you have this extra loan to pay, and then the builders have there's delays. The materials have gone up. And the combination of three, four things just tends to erode away your savings. Whereas much\n\nChannel 0: Yep.\n\nChannel 1: safer to like you were saying is, let's say, you bought that place North Of Perth and actually just went there, and then it's yours, and you can stay there and get some work in the area, that can be your foundation to then build a second dwelling on the other\n\nChannel 0: Yeah.\n\nChannel 1: property. Now, obviously,\n\nChannel 0: Yep.\n\nChannel 1: that's a bit of a green change to say, hey. You should just move and uproot and change what you're doing.\n\nChannel 0: Oh,\n\nChannel 1: But\n\nChannel 0: no. Believe me. I'm I'm pretty keen to do that. But yeah.\n\nChannel 1: yeah. And you've been talking about it for a while, so maybe it's coming close to the time to take that leap and\n\nChannel 0: Yeah.\n\nChannel 1: putting\n\nChannel 0: Yeah.\n\nChannel 1: all that money into essentially you, getting yourself\n\nChannel 0: Yeah.\n\nChannel 1: a place that you can be pretty consistent with and say, I've got this property. This is mine. This is where my things are. This is where I'm working. While that property that you've got in Broomhill, that's still kind of taken care of itself, I'm assuming, for the time being.\n\nThere's\n\nChannel 0: Yes.\n\nChannel 1: nothing\n\nChannel 0: Yes.\n\nChannel 1: to\n\nChannel 0: It is. Yep.\n\nChannel 1: yep. And then from that stable base, then you can invest further onto that property or a different one. I wouldn't\n\nChannel 0: Yep. Okay.\n\nChannel 1: go to investment properties with nowhere to live and renting and trying to juggle two properties while changing work and living situation. That\n\nChannel 0: Yep.\n\nChannel 1: that sort of rings alarm bells for a bit of risk.\n\nChannel 0: Yep. Okay.\n\nChannel 1: You know what I mean? Like, if you bought\n\nChannel 0: Okay.\n\nChannel 1: that place out and try to rent it out, but then you need to live there,\n\nChannel 0: Yep.\n\nChannel 1: what do you do? How's that kind\n\nChannel 0: Okay.\n\nChannel 1: of how's that\n\nChannel 0: Yeah.\n\nChannel 1: sounding?\n\nChannel 0: No. That's no. That sounds good. But can I so but just another question?\n\nChannel 1: Sure.\n\nChannel 0: Money that I have in the bank, like, I mean, if I am wanting to, like, sort of with with this with this buying a property, like, the one that's in the Midwest, like, can I get the loan without actually using any of my savings unless do you know what I mean? Like, without touching my actual savings?\n\nChannel 1: Yes. I did the same thing with mine because when I built my bought bought my first place many years ago, I had a significant amount of savings built up,\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Yep.\n\nChannel 1: I wanted to use the half that I saved as a deposit. And the half that I'd sort of been given as an inheritance from my grandfather, I wanted to use that for renovations and savings for the for starting a family. So\n\nChannel 0: Yes.\n\nChannel 1: you only have to use however much you need as a deposit. So this is the part where you gotta be really specific with having a good broker or bank because\n\nChannel 0: Yeah.\n\nChannel 1: you don't wanna cross collateralize. Again, tying your second property to the first one so if something goes wrong, they can both go, but you can use the equity. You could possibly use the\n\nChannel 0: Okay.\n\nChannel 1: equity to borrow to get the deposit for the second place or just use the cash. If it's 240,000, I'm assuming the the deposit is gonna be less than $50. And then you can still park a $100,117,000 in an offset account offsetting that loan. So it's sitting at $80.90, but you've still got access to all that cash.\n\nChannel 0: Yep. Yeah. Yeah.\n\nChannel 1: That's a very safe thing to do because then you're saying, okay. I've got a little bit of a deposit that I've used. That's gone. I've now got this property, but the amount, technically, I'm owing is to,\n\nChannel 0: Yep.\n\nChannel 1: you know, $1.90, whatever. But then you've got\n\nChannel 0: Yep.\n\nChannel 1: 100 and something thousand sitting in offset against that loan. That's fantastic. But then you've got that money there still available. So if you need to live off of it for a couple of months while you get yourself sorted, you\n\nChannel 0: Yep.\n\nChannel 1: can do that.\n\nChannel 0: Yep.\n\nChannel 1: You can access it.\n\nChannel 0: Still there. Yep.\n\nChannel 1: Yep. So\n\nChannel 0: Okay. Okay.\n\nChannel 1: you don't have to use it all up. You can just use how much you want for the deposit. It just means the loan will be bigger. Like, if you literally dumped a\n\nChannel 0: Yep.\n\nChannel 1: 150,000 on the property, the loan will be calculated on $90, and the\n\nChannel 0: Yep.\n\nChannel 1: repayments will be smaller. If you go the flip side, the repayments will be based on that 190,000, a little bit higher, but you're just offsetting the majority of it for interest in capital.\n\nChannel 0: Yep. Yep. Okay. Okay. Another couple of other questions.\n\nSo with my current GoldSaver account, you know, I'm getting taxed, but I'm a bit so what I'm what I'm worried about is potentially owing the tax man.\n\nChannel 1: Yeah.\n\nChannel 0: So so I'm currently like, I think my current wage is, like, 87 and a half odd thousand plus excuse me. Sorry. One second. I'm just looking for pages.\n\nChannel 1: That's again. I\n\nChannel 0: So\n\nChannel 1: think I\n\nChannel 0: 80\n\nChannel 1: had you\n\nChannel 0: seven\n\nChannel 1: at 85\n\nChannel 0: thousand.\n\nChannel 1: 87 before.\n\nChannel 0: So yeah. So it's currently 87. And then also, I've got my small business, which, you know, makes up to about 19,000 per year.\n\nChannel 1: Yep.\n\nChannel 0: Normally, I've been able to get my tax under 18,000, so I don't actually have to pay GST or, like, do any vast statement stuff.\n\nChannel 1: Yeah. I'm with you.\n\nChannel 0: So I guess so whatever that equals, so 87 plus, you know, 19, and I've just done another contract, so that adds up a little bit extra over that. So maybe 20 odd k. And then I think I had to pay like, because I've made that capital gains at and even though I did pay into my super, like, that 10 k,\n\nChannel 1: Yeah.\n\nChannel 0: I think, I don't know, you know, but then I bought sorry. So, like, I'm I just sort of wanna know. Could you can you give me tax advice?\n\nChannel 1: I can give you tax information. Only accountants\n\nChannel 0: Okay.\n\nChannel 1: can\n\nChannel 0: You\n\nChannel 1: really\n\nChannel 0: can give\n\nChannel 1: give\n\nChannel 0: me\n\nChannel 1: tax\n\nChannel 0: tax information. Okay. Alright. That's okay then. That that's good.\n\nThat's actually what I need anyway. Okay.\n\nChannel 1: fund.\n\nChannel 0: Sorry.\n\nChannel 1: Because you're looking at, like, I'm just sort of stepping back. 6 or $7 worth of interest from your goal saver account getting added over the top. So, obviously, that that little bit gets added to your income to be taxed as well. When that's sitting in an offset account to your home loan, you're not getting taxed\n\nChannel 0: Yep.\n\nChannel 1: on that because it's offsetting interest. It's not paying you interest.\n\nChannel 0: Yep.\n\nChannel 1: So that's one plus is once you do do that, let's say you buy that property and have that 100 and whatever grand left over sitting against the loan, it's\n\nChannel 0: Yeah.\n\nChannel 1: offsetting, and you're not getting taxed on that. So that's good. You're trying to keep your side business under the $18.19 grand, so that's another thing. And then, obviously,\n\nChannel 0: Yeah.\n\nChannel 1: wages become a thing too. But, again, if you sort of uproot and move and and pause employment for a while, that's gonna impact your annual income while you're drawing\n\nChannel 0: Yeah.\n\nChannel 1: down on the cash and getting yourself set up. So you're obviously\n\nChannel 0: Yep.\n\nChannel 1: not gonna be fully earning that amount for the full financial year, so that'll be good as well.\n\nChannel 0: Yes. Yes. Yes. Okay. Okay.\n\nSo yeah. Because that's where I I kind of guess I'm sort of, you know, like, going, oh, dear. Just wait. I'm kind of teaching. And I think I sort of I think I lost a little bit of that income for about, you know, maybe a month or so anyway because I actually reduced my hours for about a month.\n\nSo I was like, I think it dropped my body weight just down to, like, 60 it's nearly, like, losing one day. Like, one day a week, nearly dropped my wages down, like, near on $20,000 for a year. So what?\n\nChannel 1: Yeah.\n\nChannel 0: That's crazy. Anyway,\n\nChannel 1: Quite the impact.\n\nChannel 0: so that was, I guess, the other thing I was wanting to talk about was was yes. I just thought of my tax and okay. So that's a good idea in, like, what you said. If I do get a loan, it'll actually be able to offset that as a reduce that It\n\nChannel 1: Yeah. Because even if I look at the let me just spin up the old marginal rates for a quick second because, obviously, they've been updated. Individual pay rates or tax. That's alright. If you need to eat something, that's totally cool.\n\nI was just double checking that if you're sitting at a 107,000, say, with your wages and your business total income, you're sitting in that 32% bracket. And then if you were to earn, say, the four and a half percent from the goal saver, you'd be paying in $2,200 on tax on that.\n\nChannel 0: I'm sorry. Sorry. I I can you say that again?\n\nChannel 1: That's right. So I've just added your 87 and a half grand income with,\n\nChannel 0: Yep.\n\nChannel 1: let's say, 18 to 20 for the business and then another 6,800 from the interest of the goal saver account. And if that gets lumped over the top based on your current bracket, you'd be paying the 32% on that. So that would work out to be a couple of grand tax that you'd pay on the interest of the GoldSaver account that you\n\nChannel 0: Oh,\n\nChannel 1: wouldn't\n\nChannel 0: they're such\n\nChannel 1: pay.\n\nChannel 0: wankers.\n\nChannel 1: Yeah. Pretty strange, isn't it? You earn $6 interest, and they've got to charge you a couple of grand tax on that just for having some money in savings,\n\nChannel 0: Okay.\n\nChannel 1: which is\n\nChannel 0: I\n\nChannel 1: why\n\nChannel 0: know.\n\nChannel 1: offsets\n\nChannel 0: Right?\n\nChannel 1: are so fantastic. But, you know, we do what we can do, navigate it.\n\nChannel 0: Yeah. Yep. Yep. Yep. Yep.\n\nWell, I might have to shuffle even somebody because that's just not that's not really acceptable for my liking.\n\nChannel 1: Never mind. I don't enjoy it either.\n\nChannel 0: Every time I look at it, I'm like, just like, didn't they didn't they just make, like, a a 4.5 no. A $5,500,000,000 half year quarterly no. Half year profit net profit.\n\nChannel 1: Yeah.\n\nChannel 0: Any no. But they anyway\n\nChannel 1: Yep.\n\nChannel 0: okay. So I definitely need to do some stuff about that then because I don't wanna actually have to pay any tax. So I well, not yeah. No. I definitely don't wanna pay tax.\n\nSo as a short fix, like, that would obviously assist if I was to get a loan and then be able to offset that against the loan, and I would immediately stop paying tax on that. Does it then offset?\n\nChannel 1: Yeah.\n\nChannel 0: But then, obviously, like you said, still have access to it.\n\nChannel 1: Correct.\n\nChannel 0: Okay. Okay.\n\nChannel 1: Do you think you're gonna go through and try and purchase this one before the end of financial year?\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Well and because you know? And and I I mean, I I figure it's kind of, you know, with it being as cheap of a property as it is. Find work in, you know, like, but also take time to do that, mix up some bits and pieces.\n\nChannel 1: While you're there and you can actually look after it. Because when you're in a small town like that, it's sometimes hard to have somebody looking after property renovating it that you can't see and you're not around. So being able to have them while you're there is a bit of a plus as well.\n\nChannel 0: Yeah. Yep. And I think also even just with, like, even if it was only, like, losing, like, a month's work, you know, it had dropped my inch like, my income down, you know, even you know what I mean? Like, just to sort of even if\n\nChannel 1: Yeah.\n\nChannel 0: it's dropped dropped by 8,000, you know, like, just because I'm not working for that month. Plus, obviously, having the benefit of having, like, a, you know, I guess, the offset and the cheaper cheaper combination and be able to, you know, have a secure rent and home.\n\nChannel 1: And how much are you currently paying in rent for where you are?\n\nChannel 0: So, currently, it's actually pretty cheap because I we actually have one of the cheapest rentals in Broome. But\n\nChannel 1: Oh,\n\nChannel 0: so\n\nChannel 1: nice.\n\nChannel 0: what I pay or what we pay is $5.50 per week.\n\nChannel 1: Yeah.\n\nChannel 0: But the average rent in Broome is closer to about $1,000 per week.\n\nChannel 1: Well, it definitely seems like you'll be saving a little bit if you got that property for $2.40 because\n\nChannel 0: Yeah.\n\nChannel 1: even then let let's say $5.50 a week rent, that's 12% of the value of that property. Most of the time, the rent's somewhere between 510%. So\n\nChannel 0: Yep.\n\nChannel 1: what I'm sort of saying there is if you're renting out that place, depending on economics\n\nChannel 0: Employment.\n\nChannel 1: and social things and employment, $5.50 compared to $25,300 is a big difference. But, obviously, the the loan shouldn't cost that much. Maybe a little bit\n\nChannel 0: Yeah.\n\nChannel 1: on the\n\nChannel 0: Well,\n\nChannel 1: way\n\nChannel 0: that's\n\nChannel 1: in terms\n\nChannel 0: and\n\nChannel 1: of\n\nChannel 0: that's\n\nChannel 1: rates\n\nChannel 0: that's\n\nChannel 1: and\n\nChannel 0: why\n\nChannel 1: insurance.\n\nChannel 0: I'm looking to actually go, like, cheap and affordable rather than, you know, like and I look. I don't I don't like, I mean, we don't we're not overly social people anyway. It's not what we do. Anyway, because it\n\nChannel 1: Yeah.\n\nChannel 0: won't hurt to be a little bit remote in a quiet little town. Might be able to go shoot something.\n\nChannel 1: Yeah. Exactly. And think of what that does for you financially, though, too, because you've got this 153 sitting in in the cash at the moment. That's an asset. Assets go towards your ability to borrow to get more assets and wealth and loans and things like that.\n\nSame thing\n\nChannel 0: Yep.\n\nChannel 1: if you've got the property is that property value gets taken into account. The amount that's in the offset account gets taken into account, but then you've got all the cash that you could still access. You've got the cheaper accommodation compared to the rent that you're currently paying. So it will start to put you in front in a cash flow and capital position over the years. That will\n\nChannel 0: Yeah.\n\nChannel 1: then allow\n\nChannel 0: Yeah.\n\nChannel 1: you to do other things, whether that's investing or get the next property or build that next dwelling, but it gives you a\n\nChannel 0: Yeah.\n\nChannel 1: pretty much of a safe base. As long as you can sort employment out and you can earn enough, then it should be pretty good, actually, both in terms of\n\nChannel 0: Yeah.\n\nChannel 1: cash flow and your overall wealth.\n\nChannel 0: Yeah. Okay. Well, that that sounds good. I feel much better about having this conversation because at least it just sort of says just ease up, g. Calm down.\n\nYou don't need to do it\n\nChannel 1: That's what I\n\nChannel 0: all\n\nChannel 1: was gonna\n\nChannel 0: at once.\n\nChannel 1: say is I'm not giving you advice right now, but please don't run off and go buy a second investment property and build a dwelling on that one and then lose where you're living and having to sort out where you're working. That's not a fun position to be in. We can take a couple of reasonable steps. And over\n\nChannel 0: Yeah.\n\nChannel 1: five years' time, who knows where you could be? But it will\n\nChannel 0: Yeah.\n\nChannel 1: be\n\nChannel 0: Yep.\n\nChannel 1: on a pretty good trajectory is what we wanna be on.\n\nChannel 0: Yes. That's alright. Okay.\n\nChannel 1: We wanna be going up.\n\nChannel 0: Yeah. And I think that makes sense anyway because, I mean, I was sort of thinking, like, with the, like, with the Broomhill, you know, but, I mean, I need I just wanna be able to have somewhere to go to at this point in time.\n\nChannel 1: Yeah. You've had\n\nChannel 0: So\n\nChannel 1: a long\n\nChannel 0: will\n\nChannel 1: enough\n\nChannel 0: that\n\nChannel 1: of uncertainty\n\nChannel 0: impact\n\nChannel 1: as well.\n\nChannel 0: sorry?\n\nChannel 1: You've had long enough of uncertainty as well, given how worried you were\n\nChannel 0: Yeah.\n\nChannel 1: a year\n\nChannel 0: That's\n\nChannel 1: ago\n\nChannel 0: right.\n\nChannel 1: and so on.\n\nChannel 0: Yeah. Absolutely. Been going on way too long in my mind.\n\nChannel 1: Yeah.\n\nChannel 0: So oh, god. What was this?\n\nChannel 1: Were you thinking of something to do with the taxes,\n\nChannel 0: I was thinking\n\nChannel 1: property?\n\nChannel 0: of, like, when I speak to my broker, like,\n\nChannel 1: Yeah.\n\nChannel 0: obviously, you mentioned about do not cross collateralize so that if one thing goes to ship, it all goes down. But what's the story with if I like, do I am I better off sort of applying for the loan and then letting them know that it is going to be an investment or that I am gonna go live there? What's the\n\nChannel 1: Yeah. We you always wanna be honest with your broker. They're\n\nChannel 0: yep.\n\nChannel 1: supposed to be on your\n\nChannel 0: Yep.\n\nChannel 1: side. The what I was saying about the cross collateralization, it's more of a trick of paperwork than anything too crazy. So I'll give you an example of my properties. So if I was to put my home as collateral to get the loan for my investment property, it kind of ties them together so that if something goes wrong with one, they can come after the other one. What I did\n\nChannel 0: Yeah.\n\nChannel 1: instead was they I took out a loan on the home to get the deposit out to use for the second property. So it kinda gives that degree of separation legally.\n\nChannel 0: Okay. Okay. I'll move\n\nChannel 1: So what I mean is I've got three loans. I've got one on the home, one\n\nChannel 0: on.\n\nChannel 1: on the investment property, but now I've got this small\n\nChannel 0: Yep.\n\nChannel 1: deposit loan on the first property that I used for the second one. It was like a cash out.\n\nChannel 0: Okay. So you're cashing out your equity. Is that right?\n\nChannel 1: Yeah. Yep. So I just bumped\n\nChannel 0: Somewhat?\n\nChannel 1: up the the amount I owe on the home that I'm living in to get out a bit of that as a deposit for the next one without just straight up linking them up as this versus that.\n\nChannel 0: Okay. Okay. Okay. Alright. Yeah.\n\nThat sounds good.\n\nChannel 1: Yep. And, again, just make sure you let them know that you know, just to balance the deposit out so that you can make sure you've got as much in your offset as possible, like the smallest loan amount.\n\nChannel 0: Yep.\n\nChannel 1: Not the smallest loan amount. Sorry. Smallest deposit amount. You don't wanna use up all of your\n\nChannel 0: Yep.\n\nChannel 1: cash as a deposit. You just want\n\nChannel 0: Yep. Yep.\n\nChannel 1: the usual 20% to avoid LMI or whatever it is.\n\nChannel 0: Yep.\n\nChannel 1: And then once you've got that in there, you can park all the cash in there.\n\nChannel 0: Okay. Got it.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: And the good thing too is your the cash that you've got, it's just in a gold saver. It's not currently trying to offset that investment property or anything weird like that.\n\nChannel 0: No.\n\nChannel 1: Yeah. Cool.\n\nChannel 0: It's\n\nChannel 1: Because\n\nChannel 0: just an\n\nChannel 1: That's what\n\nChannel 0: it's\n\nChannel 1: you want.\n\nChannel 0: just an\n\nChannel 1: Right?\n\nChannel 0: ego side. Yeah.\n\nChannel 1: You wanna maximize the the good investment debt, minimize that non tax deductible consumer debt. So having all offsetting your PPR is good, where you're\n\nChannel 0: Yep.\n\nChannel 1: living, that's great.\n\nChannel 0: Yep.\n\nChannel 1: And then you get the maximum amount of deductions by having all the debt on your other property.\n\nChannel 0: Yep. Okay. Yeah. That's right. Yeah.\n\nBecause I'm like currently, I'm sort of just like I'm like, what? What do you mean? Like, because I I'm earning $517 interest and they're taking $2.60 out. That's I'm gonna\n\nChannel 1: Yeah.\n\nChannel 0: ask them. Anyway\n\nChannel 1: They\n\nChannel 0: but,\n\nChannel 1: are.\n\nChannel 0: yeah, no. That is good. I'm glad to hear that. That's that makes sense to me.\n\nChannel 1: Yeah. So without going too far across the line, I think that's the pathway that kinda suits you the best, and\n\nChannel 0: Yep.\n\nChannel 1: it gives us a lot of options for what to do next, second and third steps afterwards. Obviously, I need\n\nChannel 0: Yep.\n\nChannel 1: you to you have to go through, take the leap, and go through these steps and just give us some updates on when you've got address changes\n\nChannel 0: Yep.\n\nChannel 1: and employment changes and so\n\nChannel 0: Yep.\n\nChannel 1: on. But outside of that, once you're all settled, we can kind of work through a few things on the\n\nChannel 0: Okay.\n\nChannel 1: medium term after that. Cool.\n\nChannel 0: Okay. Well, thank you for your help today with the thought process around all that.\n\nChannel 1: That's okay. I do apologize it took me a little bit of time to get on the phone with you, but your call your\n\nChannel 0: No.\n\nChannel 1: call\n\nChannel 0: You're\n\nChannel 1: is\n\nChannel 0: alright.\n\nChannel 1: always\n\nChannel 0: That's\n\nChannel 1: important,\n\nChannel 0: all good.\n\nChannel 1: Claire.\n\nChannel 0: We got there in the end.\n\nChannel 1: We did. We did. But you're happy so far? Got a few ideas?\n\nChannel 0: Yes. I am. Thank you. I am happy with that.\n\nChannel 1: Cool.\n\nChannel 0: Alright. Thank you again, and I will speak to you\n\nChannel 1: Cool. I might just send you\n\nChannel 0: soon.\n\nChannel 1: the usual text for how we did today if you're\n\nChannel 0: Yep.\n\nChannel 1: happy with the service. I'll update your notes on the file so everyone's aware with what the plan kind of is, but I won't\n\nChannel 0: What?\n\nChannel 1: change anything until you've actually gone and taken those steps.\n\nChannel 0: Okay. Yep. No worries. That\n\nChannel 1: Awesome.\n\nChannel 0: sounds good.\n\nChannel 1: Great. You have a fantastic week, and we'll talk to you again soon.\n\nChannel 0: Thanks very much, Tommy. See you. Bye.\n\nChannel 1: See you.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":2.1599998,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.12854093313217163},{"text":"Oakview Financial.","start":2.96,"end":3.9199998,"sentiment":"neutral","sentiment_score":0.06638022139668465},{"text":"This is Samantha.","start":3.9199998,"end":4.74,"sentiment":"neutral","sentiment_score":0.04287709668278694}],"sentiment":"neutral","sentiment_score":0.07406765701515335,"channel":1,"num_words":7,"start":2.1599998,"end":4.74},{"sentences":[{"text":"Hey, Samantha.","start":5.8399997,"end":6.58,"sentiment":"neutral","sentiment_score":0.026202536188066006},{"text":"I just Tommy just called me, and my phone, I just missed it by a 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essentially you, getting yourself","start":1133.2999,"end":1136.34,"sentiment":"neutral","sentiment_score":0.20506595075130463}],"sentiment":"neutral","sentiment_score":0.20506595075130463,"channel":1,"num_words":8,"start":1133.2999,"end":1136.34},{"sentences":[{"text":"Yeah.","start":1135.985,"end":1136.485,"sentiment":"neutral","sentiment_score":0.1776642948389053}],"sentiment":"neutral","sentiment_score":0.1776642948389053,"channel":0,"num_words":1,"start":1135.985,"end":1136.485},{"sentences":[{"text":"a place that you can be pretty consistent with and say, I've got this property.","start":1136.34,"end":1140.915,"sentiment":"neutral","sentiment_score":0.21910156011581422},{"text":"This is mine.","start":1140.915,"end":1141.555,"sentiment":"neutral","sentiment_score":0.2529539614915848},{"text":"This is where my things are.","start":1141.555,"end":1142.515,"sentiment":"neutral","sentiment_score":0.2744150434931119},{"text":"This is where I'm 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being.","start":1143.795,"end":1149.2351,"sentiment":"neutral","sentiment_score":0.03170927063646642}],"sentiment":"neutral","sentiment_score":0.1481133953248169,"channel":1,"num_words":51,"start":1136.34,"end":1149.2351},{"sentences":[{"text":"There's","start":1149.2351,"end":1149.555,"sentiment":"neutral","sentiment_score":0.0035257539711892605}],"sentiment":"neutral","sentiment_score":0.0035257539711892605,"channel":1,"num_words":1,"start":1149.2351,"end":1149.555},{"sentences":[{"text":"Yes.","start":1149.43,"end":1149.8301,"sentiment":"neutral","sentiment_score":-0.0031350255012512207}],"sentiment":"neutral","sentiment_score":-0.0031350255012512207,"channel":0,"num_words":1,"start":1149.43,"end":1149.8301},{"sentences":[{"text":"nothing","start":1149.555,"end":1149.875,"sentiment":"neutral","sentiment_score":-0.05772225558757782}],"sentiment":"neutral","sentiment_score":-0.05772225558757782,"channel":1,"num_words":1,"start":1149.555,"end":1149.875},{"sentences":[{"text":"Yes.","start":1149.8301,"end":1150.0701,"sentiment":"neutral","sentiment_score":0.021906547248363495}],"sentiment":"neutral","sentiment_score":0.021906547248363495,"channel":0,"num_words":1,"start":1149.8301,"end":1150.0701},{"sentences":[{"text":"to","start":1149.875,"end":1149.9551,"sentiment":"neutral","sentiment_score":0.012188736349344254}],"sentiment":"neutral","sentiment_score":0.012188736349344254,"channel":1,"num_words":1,"start":1149.875,"end":1149.9551},{"sentences":[{"text":"It 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without touching my actual savings?","start":1213.4,"end":1215.5,"sentiment":"neutral","sentiment_score":-0.047635249172647796}],"sentiment":"neutral","sentiment_score":-0.002632968190868022,"channel":0,"num_words":59,"start":1190.6951,"end":1215.5},{"sentences":[{"text":"Yes.","start":1216.19,"end":1216.69,"sentiment":"neutral","sentiment_score":0.17979533970355988},{"text":"I did the same thing with mine because when I built my bought bought my first place many years ago, I had a significant amount of savings built 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and the","start":1320.75,"end":1325.87,"sentiment":"neutral","sentiment_score":0.24586756298175225}],"sentiment":"neutral","sentiment_score":0.24586756298175225,"channel":1,"num_words":13,"start":1320.75,"end":1325.87},{"sentences":[{"text":"Yep.","start":1325.85,"end":1326.165,"sentiment":"neutral","sentiment_score":0.1848222017288208}],"sentiment":"neutral","sentiment_score":0.1848222017288208,"channel":0,"num_words":1,"start":1325.85,"end":1326.165},{"sentences":[{"text":"repayments will be smaller.","start":1325.87,"end":1327.3301,"sentiment":"neutral","sentiment_score":0.21859123557806015},{"text":"If you go the flip side, the repayments will be based on that 190,000, a little bit higher, but you're just offsetting the majority of it for interest in 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I'm getting taxed, but I'm a bit so what I'm what I'm worried about is potentially owing the tax man.","start":1348.82,"end":1364.705,"sentiment":"neutral","sentiment_score":-0.16882005538043035}],"sentiment":"neutral","sentiment_score":-0.16882005538043035,"channel":0,"num_words":28,"start":1348.82,"end":1364.705},{"sentences":[{"text":"Yeah.","start":1365.935,"end":1366.435,"sentiment":"neutral","sentiment_score":-0.06314383447170258}],"sentiment":"neutral","sentiment_score":-0.06314383447170258,"channel":1,"num_words":1,"start":1365.935,"end":1366.435},{"sentences":[{"text":"So so I'm currently like, I think my current wage is, like, 87 and a half odd thousand plus excuse me.","start":1366.6849,"end":1382.5701,"sentiment":"neutral","sentiment_score":-0.06424484455159732},{"text":"Sorry.","start":1382.5701,"end":1382.89,"sentiment":"neutral","sentiment_score":-0.07714267075061798},{"text":"One 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I've got my small business, which, you know, makes up to about 19,000 per year.","start":1395.745,"end":1405.68,"sentiment":"neutral","sentiment_score":0.0381665617848436}],"sentiment":"neutral","sentiment_score":0.031839580624364316,"channel":0,"num_words":24,"start":1391.745,"end":1405.68},{"sentences":[{"text":"Yep.","start":1406.1901,"end":1406.595,"sentiment":"neutral","sentiment_score":0.10490592569112778}],"sentiment":"neutral","sentiment_score":0.10490592569112778,"channel":1,"num_words":1,"start":1406.1901,"end":1406.595},{"sentences":[{"text":"Normally, I've been able to get my tax under 18,000, so I don't actually have to pay GST or, like, do any vast statement 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so fantastic.","start":1702.795,"end":1703.775,"sentiment":"positive","sentiment_score":0.3490448022882144},{"text":"But, you know, we do what we can do, navigate 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Tommy is interested in investing in a property and is considering getting an additional loan for up to 300,000 square meters. They also want to add a modular home for around 300,000 square meters. The speaker discusses potential investment opportunities for a property, including a two by one block and small town property, and suggests using savings and deposit as a deposit. They emphasize the importance of being honest with brokerage advice and maximizing investment debt. The speaker will update the customer's notes and work through a few things on the medium term after the process."},"intents":{"segments":[{"text":"This is Samantha. Hey, Samantha.","start_word":4,"end_word":8,"intents":[{"intent":"Identify self","confidence_score":0.00814368}]},{"text":"Not a problem. I just need to confirm your date of birth and residential address, and then I can transfer you through straight to Tommy.","start_word":38,"end_word":62,"intents":[{"intent":"Transfer call","confidence_score":0.11740726}]},{"text":"I just need to confirm your date of birth and residential address, and then I can transfer you through straight to Tommy. Okeydoke. It is the 1978, and my residential address is 2 4th Street, Room W A 6725. Perfect, Claire.","start_word":41,"end_word":81,"intents":[{"intent":"Confirm details","confidence_score":0.1896612}]},{"text":"Thanks so much for confirming those details. I'll Thank transfer you. you through to Tommy now. Thanks. Good afternoon, Claire. Thank you so much for calling back in. This is Tommy. No worries, honey. Thanks.","start_word":82,"end_word":116,"intents":[{"intent":"Express gratitude","confidence_score":0.5515196},{"intent":"Express gratitude","confidence_score":0.17605129}]},{"text":"I do apologize if I'm a little bit croaky. Just coming back from a bit of a bit of a family flu at the moment, but always fun to play a bit of the phone tag.","start_word":124,"end_word":159,"intents":[{"intent":"Express sadness","confidence_score":0.00056454225}]},{"text":"Happy New Year. Yes. Yes. Happy New Year. Happy New Year to you too.","start_word":222,"end_word":235,"intents":[{"intent":"Say goodbye","confidence_score":0.032820165}]},{"text":"So, look, I guess I just wanted to kind of I mean, I did sort of wanna catch up at the end of last year, and everyone was going on holidays. Yeah. And so then, of course and then I've gotten distracted again as, you know, like, as you do. Life happens. So but there was a couple of questions that I have for you, which I just wanna go through.","start_word":237,"end_word":307,"intents":[{"intent":"Seek resolution","confidence_score":0.00085438555}]},{"text":"And I do have some notes from our last conversations because we were we were chatting kind of mid last year around what was going on with the properties, and we did a bit of that sort of super contribution in claiming that. So I'm assuming there's been a few changes in the last six months or so.","start_word":347,"end_word":404,"intents":[{"intent":"Identify issues","confidence_score":0.0000028433785}]},{"text":"One, I wanna know, like, what would be the best process, like, step by step, so to speak?","start_word":483,"end_word":500,"intents":[{"intent":"Discuss process","confidence_score":0.12312152}]},{"text":"If I wanna invest in a couple of different things Yeah. 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What's the value you're sitting at at the moment?","start_word":1007,"end_word":1054,"intents":[{"intent":"Evaluate property value","confidence_score":0.02413485}]},{"text":"And we're gonna build on it, right, for about 300,000 or a little bit above.","start_word":1326,"end_word":1340,"intents":[{"intent":"Build on current property","confidence_score":0.090675436}]},{"text":"And would I'd probably still wanna spend some money on it because it it ideally, I'd get it for even less than that and spend a bit, but, you know, I guess I'm just sort of overestimating what it would be potentially able to get it Yeah.","start_word":1545,"end_word":1591,"intents":[{"intent":"Consider purchasing new property","confidence_score":2.0648027e-7}]},{"text":"My like, you know how I've spoken to you about my current living circumstances. 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Yeah.","start_word":2004,"end_word":2020,"intents":[{"intent":"Discuss housing options","confidence_score":0.00042686428}]},{"text":"Have you looked at how much that one might rent for versus the cost of the build for that second dwelling.","start_word":2257,"end_word":2277,"intents":[{"intent":"Explain rent potential","confidence_score":0.0001435417}]},{"text":"That was gonna be my next question because last when we spoke last year, there was obviously the worry about the living situation and work. And yep.","start_word":2518,"end_word":2544,"intents":[{"intent":"Clarify situation and financial concerns","confidence_score":0.000049599155}]},{"text":"So with my current GoldSaver account, you know, I'm getting taxed, but I'm a bit so what I'm what I'm worried about is potentially owing the tax man. Yeah.","start_word":3460,"end_word":3488,"intents":[{"intent":"Inquire about owed tax","confidence_score":0.00007497113}]},{"text":"Could you can you give me tax advice? 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And I think I sort of I think I lost a little bit of that income for about, you know, maybe a month or so anyway because I actually reduced my hours for about a month.","start_word":3917,"end_word":3975,"intents":[{"intent":"Reduce hours","confidence_score":0.60014564}]},{"text":"So I was like, I think it dropped my body weight just down to, like, 60 it's nearly, like, losing one day. Like, one day a week, nearly dropped my wages down, like, near on $20,000 for a year. So what?","start_word":3977,"end_word":4017,"intents":[{"intent":"Discuss financial savings","confidence_score":0.0006607064}]},{"text":"But, you know, we do what we can do, navigate it. Yeah.","start_word":4309,"end_word":4320,"intents":[{"intent":"Navigate it","confidence_score":0.031423796}]},{"text":"Well, I might have to shuffle even somebody because that's just not that's not really acceptable for my liking. Never mind.","start_word":4324,"end_word":4344,"intents":[{"intent":"Push it to shuffle","confidence_score":0.0000024798649}]},{"text":"So I definitely need to do some stuff about that then because I don't wanna actually have to pay any tax. So I well, not yeah. No. I definitely don't wanna pay tax. So as a short fix, like, that would obviously assist if I was to get a loan and then be able to offset that against the loan, and I would immediately stop paying tax on that. Does it then offset? Yeah.","start_word":4390,"end_word":4463,"intents":[{"intent":"Opt out loan","confidence_score":0.027875336}]},{"text":"Do you think you're gonna go through and try and purchase this one before the end of financial year? Yeah.","start_word":4478,"end_word":4497,"intents":[{"intent":"Decide purchase before financial year","confidence_score":0.00012841742}]},{"text":"Find work in, you know, like, but also take time to do that, mix up some bits and pieces. While you're there and you can actually look after it. Because when you're in a small town like that, it's sometimes hard to have somebody looking after property renovating it that you can't see and you're not around. So being able to have them while you're there is a bit of a plus as well.","start_word":4529,"end_word":4602,"intents":[{"intent":"Find work","confidence_score":0.34598446}]},{"text":"Because when you're in a small town like that, it's sometimes hard to have somebody looking after property renovating it that you can't see and you're not around. So being able to have them while you're there is a bit of a plus as well. Yeah.","start_word":4558,"end_word":4603,"intents":[{"intent":"Renovate property","confidence_score":0.02976018}]},{"text":"And I think also even just with, like, even if it was only, like, losing, like, a month's work, you know, it had dropped my inch like, my income down, you know, even you know what I mean?","start_word":4605,"end_word":4642,"intents":[{"intent":"End conversation","confidence_score":0.003342415},{"intent":"Provide income","confidence_score":0.020451494}]},{"text":"And how much are you currently paying in rent for where you are?","start_word":4699,"end_word":4711,"intents":[{"intent":"Discuss rent savings","confidence_score":0.016389076}]},{"text":"cash flow and your overall wealth.","start_word":5107,"end_word":5112,"intents":[{"intent":"Balance financial and personal growth","confidence_score":1.0130706e-8}]},{"text":"of, like, when I speak to my broker, like, Yeah.","start_word":5367,"end_word":5376,"intents":[{"intent":"Speak to broker","confidence_score":0.004834815}]},{"text":"obviously, you mentioned about do not cross collateralize so that if one thing goes to ship, it all goes down.","start_word":5377,"end_word":5396,"intents":[{"intent":"Discuss cross collateralization","confidence_score":0.0376005}]},{"text":"But what's the story with if I like, do I am I better off sort of applying for the loan and then letting them know that it is going to be an investment or that I am gonna go live there? What's the Yeah.","start_word":5397,"end_word":5440,"intents":[{"intent":"Apply for loan","confidence_score":0.78331894},{"intent":"Explain loan application","confidence_score":0.017914876},{"intent":"Explain application process","confidence_score":0.0009831543}]},{"text":"Okay.","start_word":5563,"end_word":5563,"intents":[{"intent":"Explain process of transferring property","confidence_score":4.516056e-7}]},{"text":"So I just bumped Somewhat? up the the amount I owe on the home that I'm living in to get out a bit of that as a deposit for the next one without just straight up linking them up as this versus that. Okay.","start_word":5625,"end_word":5668,"intents":[{"intent":"Discuss negotiating amount","confidence_score":0.00010562041}]},{"text":"And, again, just make sure you let them know that you know, just to balance the deposit out so that you can make sure you've got as much in your offset as possible, like the smallest loan amount.","start_word":5678,"end_word":5715,"intents":[{"intent":"Balance deposit","confidence_score":0.9284707}]},{"text":"the usual 20% to avoid LMI or whatever it is. Yep.","start_word":5743,"end_word":5753,"intents":[{"intent":"Avoid lmi","confidence_score":0.5946836}]},{"text":"You wanna maximize the the good investment debt, minimize that non tax deductible consumer debt.","start_word":5825,"end_word":5839,"intents":[{"intent":"Maximize investment debt","confidence_score":0.8172214}]},{"text":"And then you get the maximum amount of deductions by having all the debt on your other property. Yep. Okay. Yeah.","start_word":5855,"end_word":5875,"intents":[{"intent":"Get deductions","confidence_score":0.16502833}]},{"text":"So without going too far across the line, I think that's the pathway that kinda suits you the best, and Yep. it gives us a lot of options for what to do next, second and third steps afterwards.","start_word":5934,"end_word":5971,"intents":[{"intent":"Follow steps","confidence_score":0.48290056}]}]},"sentiments":{"segments":[{"text":"Good afternoon. Oakview Financial. This is Samantha. Hey, Samantha. I just Tommy just called me, and my phone, I just missed it by a second. Yep. Yep. Okay. No worries. Was it Claire? Yes. It is.","start_word":0,"end_word":35,"sentiment":"neutral","sentiment_score":0.03804142400622368},{"text":"Thanks.","start_word":36,"end_word":36,"sentiment":"positive","sentiment_score":0.346645712852478},{"text":"Yep. Not a problem. I just need to confirm your date of birth and residential address, and then I can transfer you through straight to Tommy. Okeydoke. It is the 1978, and my residential address is 2 4th Street, Room W A 6725.","start_word":37,"end_word":79,"sentiment":"neutral","sentiment_score":0.07761067152023315},{"text":"Perfect, Claire. Thanks so much for confirming those details. I'll Thank transfer you.","start_word":80,"end_word":92,"sentiment":"positive","sentiment_score":0.5022430419921875},{"text":"you through to Tommy now. Thanks. Good afternoon, Claire.","start_word":93,"end_word":101,"sentiment":"neutral","sentiment_score":0.2334460616111755},{"text":"Thank you so much for calling back in.","start_word":102,"end_word":109,"sentiment":"positive","sentiment_score":0.4715501070022583},{"text":"This is Tommy. No worries, honey.","start_word":110,"end_word":115,"sentiment":"neutral","sentiment_score":0.21626295149326324},{"text":"Thanks. How are you today? I'm doing fantastic.","start_word":116,"end_word":123,"sentiment":"positive","sentiment_score":0.45758578181266785},{"text":"I do apologize if I'm a little bit croaky. Just coming back from a bit of a bit of a family flu at the moment, but always fun to play a bit of the phone tag.","start_word":124,"end_word":159,"sentiment":"neutral","sentiment_score":-0.07837526500225067},{"text":"So thank you so much I do love a bit of phone for tag myself, mate.","start_word":160,"end_word":175,"sentiment":"positive","sentiment_score":0.4461413323879242},{"text":"calling in.","start_word":176,"end_word":177,"sentiment":"neutral","sentiment_score":0.32730239629745483},{"text":"It's all good.","start_word":178,"end_word":180,"sentiment":"positive","sentiment_score":0.5102294683456421},{"text":"And I was sitting there with the the team, and for some reason, we couldn't answer the phone when you're calling in. So sorry for the bit of a hold time there, but we have each other.","start_word":181,"end_word":217,"sentiment":"neutral","sentiment_score":0.06049346178770065},{"text":"So it's fantastic.","start_word":218,"end_word":220,"sentiment":"positive","sentiment_score":0.5503293871879578},{"text":"Yes.","start_word":221,"end_word":221,"sentiment":"neutral","sentiment_score":0.2899720072746277},{"text":"Happy New Year.","start_word":222,"end_word":224,"sentiment":"positive","sentiment_score":0.3505393862724304},{"text":"Yes. Yes. Happy New Year. Happy New Year to you too. Yeah. So, look, I guess I just wanted to kind of I mean, I did sort of wanna catch up at the end of last year, and everyone was going on holidays. Yeah. And so then, of course and then I've gotten distracted again as, you know, like, as you do. Life happens. So but there was a couple of questions that I have for you, which I just wanna go through. Yeah. I've got Now it penciled I'm a bit in for vague. I a sort of haven't eaten anything all day today, so I'm sort of oh, and I'm no multi good. skilling as we speak. That's But okay. And I do have some notes from our last conversations because we were we were chatting kind of mid last year around what was going on with the properties, and we did a bit of that sort of super contribution in claiming that. So I'm assuming there's been a few changes in the last six months or so. Yeah. Yeah. Well, I mean, there hasn't actually been any changes, but I guess, you know, I, you know, like, I I kind of, you know, I go through these stages where all of a sudden I'm like, oh, I gotta do something now. Yeah. And then, you know, and then, of course, the time passes and it's like, oh, shit. Anyway, so I guess what I wanted to discuss with you today is a couple of things. One, I wanna know, like, what would be the best process, like, step by step, so to speak? If I wanna invest in a couple of different things Yeah. Yeah. So and my thing is is real estate. It's not not really stocks and stuff like that. It's not that I don't wanna do any stocks and things like that, but I guess, you know, I I sort of feel that the current environment probably, you know, like, unless you really know what you're doing, you know, you probably could you could potentially just be throwing money at a dead horse. And, again, you know, the like so yeah. So so not so much wanting to worry about anything stocks or anything like that. Sure. What I am sort of wanting to kinda get a bit of a gift about is if I have money in the bank, Yeah. which I do. I sort of am looking to get a loan, but just a sort of, like, a a an affordable house loan Sure. As in, like so I've been looking at a joint. It's a bit, you know, out in the middle of nowhere. There's a couple of other places that, you know, like, say say it was up to about maybe $3.20 or so, like, thousand dollars. So I think currently, like, I can I can probably get away without having to do my tax return and and and potentially get approval? So but my other thing is is that I still have, like, my other loan, which I have current which I've split, by the way. Okay. So I've split it to I think it's about 90,000 and 40,000. So this the 90,000 is fixed, and the 40,000 is a variable. Yep. With The you. variable also has a, like, an off set account with about, I don't know, $1,617,000 dollars in it. So, I guess, just to reduce my tax oh, no. No.","start_word":225,"end_word":809,"sentiment":"neutral","sentiment_score":0.021236539205424804},{"text":"No. Just like so this is where I get confused.","start_word":810,"end_word":819,"sentiment":"negative","sentiment_score":-0.4347473978996277},{"text":"Like, there's just so many different things going on with money stuff. You know? Yeah. As I'm sure you're aware, that's why I sorta get a little bit, like, confused, I guess, is the word. So so, basically, I've got my current loan. And like I said, Mhmm. one's 90, the other one's about 40. I might even get on there and have a look while I'm talking about it. And what my in the short the short of it, Tommy, is what I'm thinking is what I would like to do is get an additional loan for maybe maybe up to, like, 300,000, probably at the most, ideally. Yep. Yep. Just me. Just me by myself. And but then following that with the money that, I guess, that I have in the bank and then using what equity I have on my little house in Broomhill to put, like, a, like, a modular home on it. Okay. But but So what I'm thinking is how is the best way to do that, and is there a best order? right. That makes So sense? it does. So the place in Broomhill, was that the one that, I think a little while ago, I think you you were owing around about $1.40. It was valued at about $1.80, and Yes. that's now going down to $1.30. What's the value you're sitting at at the moment? Well, I think it's gone up to probably at least 200, I'm guessing. But that's just a rough estimate. Like, that's Yeah. like, that's not me looking at that's me kind It's of, you not know, a going specific valuation, but it's a bit of an idea. yeah. I'm I'm not even sure at this moment, like because it used to show you on CommBank. Like, CommBank used to have, like, a little thing where it would show you what the current sort of general valuation is. Yeah. It doesn't actually do that anymore. It should but anyway So I think it would be around about 200, maybe even a little bit more. With you. With you. So is this the one that's currently sort of rented out investment wise and you wanna add a modular home to that property. Am I with you on that? Yes. K. And you think it's sort of like a granny flat type thing, so you can almost kind of instead of subdividing it into two properties, you're kind of having two dwellings on the one property. Is that what you're Pretty much. Yes. Yeah. thinking? K. And Yeah. they'd Because both it's be used like a for three investment thousand purposes? 900 it's 3,920 meters, so it's plenty big enough. Yeah.","start_word":820,"end_word":1271,"sentiment":"neutral","sentiment_score":0.0028243134688355227},{"text":"Absolutely. Solid sized block.","start_word":1272,"end_word":1275,"sentiment":"positive","sentiment_score":0.40327826142311096},{"text":"Was that the the two by one? 3,009 So 100 I'm thinking square meters? a two by one. Yeah. Yep. Or even a little two by two. K. Alright. So But, yeah, both the two the two by dwellings ones are will a be used lot for cheaper. investment. And we're gonna build on it, right, for about 300,000 or a little bit above. Well, it probably it it like, what I've looked at sorry. Because you were looking at somewhere North Of Perth a little while Yes. ago, bit Yeah. of a small town property that way, or you're Yes. thinking of And trying that's to build that's on the actually current one? still the one that I'm looking at. And, I mean, even Okay.","start_word":1276,"end_word":1401,"sentiment":"neutral","sentiment_score":0.058328516160448395},{"text":"though it is about, you know, it is a little bit I'm I'm sure I've used this term with you be in the middle of a bum fuck, so to speak.","start_word":1402,"end_word":1432,"sentiment":"negative","sentiment_score":-0.34910526871681213},{"text":"I'm with But, you. like, you know, it it's still I kind of I just it still has a a mind that's going on out there. So Yeah. I think still there's potential, but it's also kind of you know, it's an it's only two and a half hours out of the city. It's, you know, it's a very small town, you know, but it's, like, it's got, like, you know, you know, cutesy kind. It's it's a bit of a a lifestyle kind of change. But I think, like, that I reckon we could potentially get it for relatively cheap. And when I say cheap, I mean, like, maybe $2.40. Right. And would I'd probably still wanna spend some money on it because it it ideally, I'd get it for even less than that and spend a bit, but, you know, I guess I'm just sort of overestimating what it would be potentially able to get it Yeah. So about $2.40 to get it, put in 30 to 60 to kind of improve it, for. or is Yeah. your second option to kind of build on the Broomhill property? Well, this is where I'm wanting that's why I'm sort of wanting to talk about it with this with someone who knows finances. So, you know, I kind of, I guess look. My like, you know how I've spoken to you about my current living circumstances. Yeah. Well, the Yeah. rent the the the actual property that I'm living in, we have just got it, like, until the end of until the June. So Okay. my you know how I had spoken to you about The lease potentially running out and the lease running out and that they yeah. are gonna develop the property. Well, that is sort of coming to a head. Yep. And We do. so, like, I guess, this is where I'm sort of wanting to speak to you directly because, you know, if I if I'm to put an offer in on Anyaba, which is that that joint, which I said is about worth of, you know, like, I wouldn't pay I don't wanna I would not pay any more than 240 for it. And, ideally, I'd pay, like, 200. So you know? And then, yes, spend a bit of money on it, but, you know, I don't mind living rough for a bit. Yeah. I'm with you. That so that, you know, like, without having to actually spend, you know, more than, like, you know, $10,000 just to get it, like, up to scratch Yeah. without too much you know, without actually making any improvement, so to speak. And so the first thing that sort of comes to mind, Claire, is when I'm looking at the idea of building the second dwelling, obviously, Yep. while that's being constructed, you'll be spending money on it, but not generating an income until it's built and someone's in there versus Yep. when you buy the other property, then you can pretty much tend into almost straight away depending on, you know, somebody already there, leases, owner occupiers, that kind of thing, and how Yeah. much work it takes to get it into that position. Do you still have a lot of the cash proceeds from your property sale still in the bank at the moment, or is it just that sort of small $16 No. in the offset? It's I've got I've got, like, a 153 in, like, a GoldSaver account, which taxes me. Yeah.","start_word":1433,"end_word":2019,"sentiment":"neutral","sentiment_score":0.048265025133879466},{"text":"Goddamn That's it. right. How 100 rude.","start_word":2020,"end_word":2026,"sentiment":"negative","sentiment_score":-0.5938793420791626},{"text":"and 53. I mean, seriously. Yep. And 16 in the offset. 17 in the offset. But 17 in the offset. So you're still kind of, I guess, I yes. wouldn't say cash rich, but you've got enough cash there in capital to be able to do the renovations, a bit of a build, deposit for the next property. So you've got options there. In terms of getting the loan across the line, you did mention that before doing the next tax return, you could possibly get lending across the line. Have you spoken to sort of the bank and the broker about Yep. that being a bit of a green I light? I have. I have. So the last time I spoke to them and they we sort of talked about what my potential was. It was like I think the maximum was up to $4.20, but that was you know? And and so you kinda then I would potentially like, in anything over that, I would potentially need to go and get, like, all my tax to sort of get it past the bank. Right. So it's still possible now with the cash that you've got, the income and on paper that you've got to try and get something well, at least $2.40 doesn't seem out of the park. No. Well, that's what I thought. That's what I'm thinking. Have you looked at how much that one might rent for versus the cost of the build for that second dwelling. Well, I would say that the one down in Broomhill, well, it it it very much is variable. Like, I would say, though, that the one in Broomhill would probably be a lot easier to rent. The one that's in the smaller community in the Midwest is is a very small community. However, there is a mine that is starting well, actually, it's been going on for a while, but it's it's starting to what is it's like a rare earth refinery. So Gotcha. and it's, you know, in, like, a super small town. I think there's, like, a population of approximately, like, a 150, a 180 odd people. Like, it's small. Oh, interesting. Yeah. So the the that I know that that limits it a lot, Yeah. especially with, like, rental potential. But I guess my other thing is is that I wouldn't mind just going there, dropping my shit, and then, you know, come and go as I play because it's like a it's it's pretty safe or I could just live there and Yeah. with the mind starting sort of get some work. You know? I can get work any I mean, I can get work or I can sort of, you know, manage for a bit until I do get work. So this is why I wanted to speak to you just to sort of get them, like, clear, like, don't be a dickhead. So Yeah. That was gonna be my next question because last when we spoke last year, there was obviously the worry about the living situation and work. And yep. one of the big things is if you have to move and change work, well, you probably don't wanna be rushing into getting massive amounts of loans that, again, let's say you borrowed x amount to build a second dwelling on that other property in the middle of having to change where you live and work, that's gonna Yeah. be a pretty rough combination because that could easily just rinse out your savings.","start_word":2027,"end_word":2617,"sentiment":"neutral","sentiment_score":-0.010344244426277084},{"text":"Because, obviously, bills sometimes tend to blow out in proportion and costs and time frame.","start_word":2618,"end_word":2632,"sentiment":"negative","sentiment_score":-0.3512209951877594},{"text":"So you don't wanna Yes. be in that position where your living situation is up in the air, your work's up in the air, and then all of a sudden you have this extra loan to pay, and then the builders have there's delays.","start_word":2633,"end_word":2676,"sentiment":"neutral","sentiment_score":-0.28471502661705017},{"text":"The materials have gone up. And the combination of three, four things just tends to erode away your savings.","start_word":2677,"end_word":2695,"sentiment":"negative","sentiment_score":-0.5411748917479264},{"text":"Whereas much Yep. safer to like you were saying is, let's say, you bought that place North Of Perth and actually just went there, and then it's yours, and you can stay there and get some work in the area, that can be your foundation to then build a second dwelling on the other Yeah. property. Now, obviously, Yep. that's a bit of a green change to say, hey. You should just move and uproot and change what you're doing. Oh, But no. Believe me. I'm I'm pretty keen to do that. But yeah. yeah. And you've been talking about it for a while, so maybe it's coming close to the time to take that leap and Yeah. putting Yeah. all that money into essentially you, getting yourself Yeah. a place that you can be pretty consistent with and say, I've got this property. This is mine. This is where my things are. This is where I'm working. While that property that you've got in Broomhill, that's still kind of taken care of itself, I'm assuming, for the time being. There's Yes. nothing Yes. to It is. Yep. yep. And then from that stable base, then you can invest further onto that property or a different one. I wouldn't Yep. Okay. go to investment properties with nowhere to live and renting and trying to juggle two properties while changing work and living situation. That Yep.","start_word":2696,"end_word":2930,"sentiment":"neutral","sentiment_score":0.053636036813259125},{"text":"that sort of rings alarm bells for a bit of risk.","start_word":2931,"end_word":2941,"sentiment":"negative","sentiment_score":-0.6018216013908386},{"text":"Yep. Okay. You know what I mean? Like, if you bought Okay. that place out and try to rent it out, but then you need to live there, Yep. what do you do? How's that kind Okay. of how's that Yeah. sounding? No. That's no. That sounds good. But can I so but just another question? Sure. Money that I have in the bank, like, I mean, if I am wanting to, like, sort of with with this with this buying a property, like, the one that's in the Midwest, like, can I get the loan without actually using any of my savings unless do you know what I mean? Like, without touching my actual savings? Yes. I did the same thing with mine because when I built my bought bought my first place many years ago, I had a significant amount of savings built up, Yep. and Yep. I wanted to use the half that I saved as a deposit. And the half that I'd sort of been given as an inheritance from my grandfather, I wanted to use that for renovations and savings for the for starting a family. So Yes. you only have to use however much you need as a deposit. So this is the part where you gotta be really specific with having a good broker or bank because Yeah. you don't wanna cross collateralize. Again, tying your second property to the first one so if something goes wrong, they can both go, but you can use the equity. You could possibly use the Okay. equity to borrow to get the deposit for the second place or just use the cash. If it's 240,000, I'm assuming the the deposit is gonna be less than $50. And then you can still park a $100,117,000 in an offset account offsetting that loan. So it's sitting at $80.90, but you've still got access to all that cash. Yep. Yeah. Yeah. That's a very safe thing to do because then you're saying, okay. I've got a little bit of a deposit that I've used. That's gone. I've now got this property, but the amount, technically, I'm owing is to, Yep. you know, $1.90, whatever. But then you've got Yep. 100 and something thousand sitting in offset against that loan.","start_word":2942,"end_word":3321,"sentiment":"neutral","sentiment_score":0.10609759483486414},{"text":"That's fantastic.","start_word":3322,"end_word":3323,"sentiment":"positive","sentiment_score":0.7989285588264465},{"text":"But then you've got that money there still available. So if you need to live off of it for a couple of months while you get yourself sorted, you Yep.","start_word":3324,"end_word":3353,"sentiment":"neutral","sentiment_score":0.2483074903488159},{"text":"can do that.","start_word":3354,"end_word":3356,"sentiment":"positive","sentiment_score":0.3395042419433594},{"text":"Yep. You can access it. Still there. Yep. Yep. So Okay. Okay. you don't have to use it all up.","start_word":3357,"end_word":3376,"sentiment":"neutral","sentiment_score":0.22514566779136655},{"text":"You can just use how much you want for the deposit. It just means the loan will be bigger.","start_word":3377,"end_word":3395,"sentiment":"positive","sentiment_score":0.3617466688156128},{"text":"Like, if you literally dumped a Yep. 150,000 on the property, the loan will be calculated on $90, and the Yep. repayments will be smaller. If you go the flip side, the repayments will be based on that 190,000, a little bit higher, but you're just offsetting the majority of it for interest in capital. Yep. Yep. Okay. Okay. Another couple of other questions. So with my current GoldSaver account, you know, I'm getting taxed, but I'm a bit so what I'm what I'm worried about is potentially owing the tax man. Yeah. So so I'm currently like, I think my current wage is, like, 87 and a half odd thousand plus excuse me. Sorry. One second. I'm just looking for pages. That's again. I So think I 80 had you seven at 85 thousand. 87 before. So yeah. So it's currently 87. And then also, I've got my small business, which, you know, makes up to about 19,000 per year. Yep. Normally, I've been able to get my tax under 18,000, so I don't actually have to pay GST or, like, do any vast statement stuff. Yeah. I'm with you. So I guess so whatever that equals, so 87 plus, you know, 19, and I've just done another contract, so that adds up a little bit extra over that. So maybe 20 odd k. And then I think I had to pay like, because I've made that capital gains at and even though I did pay into my super, like, that 10 k, Yeah. I think, I don't know, you know, but then I bought sorry. So, like, I'm I just sort of wanna know. Could you can you give me tax advice? I can give you tax information. Only accountants Okay. can You really can give give me tax tax information. Okay. Alright.","start_word":3396,"end_word":3700,"sentiment":"neutral","sentiment_score":0.023488903039547263},{"text":"That's okay then. That that's good. That's actually what I need anyway.","start_word":3701,"end_word":3712,"sentiment":"positive","sentiment_score":0.4906907975673675},{"text":"Okay. fund. Sorry. Because you're looking at, like, I'm just sort of stepping back. 6 or $7 worth of interest from your goal saver account getting added over the top. So, obviously, that that little bit gets added to your income to be taxed as well. When that's sitting in an offset account to your home loan, you're not getting taxed Yep. on that because it's offsetting interest. It's not paying you interest. Yep. So that's one plus is once you do do that, let's say you buy that property and have that 100 and whatever grand left over sitting against the loan, it's Yeah. offsetting, and you're not getting taxed on that.","start_word":3713,"end_word":3825,"sentiment":"neutral","sentiment_score":-0.05178209766745567},{"text":"So that's good.","start_word":3826,"end_word":3828,"sentiment":"positive","sentiment_score":0.5395665168762207},{"text":"You're trying to keep your side business under the $18.19 grand, so that's another thing. And then, obviously, Yeah. wages become a thing too. But, again, if you sort of uproot and move and and pause employment for a while, that's gonna impact your annual income while you're drawing Yeah. down on the cash and getting yourself set up. So you're obviously Yep. not gonna be fully earning that amount for the full financial year, so that'll be good as well. Yes. Yes. Yes. Okay. Okay. So yeah. Because that's where I I kind of guess I'm sort of, you know, like, going, oh, dear. Just wait. I'm kind of teaching. And I think I sort of I think I lost a little bit of that income for about, you know, maybe a month or so anyway because I actually reduced my hours for about a month. So I was like, I think it dropped my body weight just down to, like, 60 it's nearly, like, losing one day.","start_word":3829,"end_word":3997,"sentiment":"neutral","sentiment_score":-0.08611356557385456},{"text":"Like, one day a week, nearly dropped my wages down, like, near on $20,000 for a year.","start_word":3998,"end_word":4014,"sentiment":"negative","sentiment_score":-0.3934418261051178},{"text":"So what? Yeah. That's crazy. Anyway, Quite the impact. so that was, I guess, the other thing I was wanting to talk about was was yes. I just thought of my tax and okay.","start_word":4015,"end_word":4048,"sentiment":"neutral","sentiment_score":0.029376745223999023},{"text":"So that's a good idea in, like, what you said.","start_word":4049,"end_word":4058,"sentiment":"positive","sentiment_score":0.4309188723564148},{"text":"If I do get a loan, it'll actually be able to offset that as a reduce that It Yeah. Because even if I look at the let me just spin up the old marginal rates for a quick second because, obviously, they've been updated. Individual pay rates or tax.","start_word":4059,"end_word":4107,"sentiment":"neutral","sentiment_score":0.12491082400083542},{"text":"That's alright. If you need to eat something, that's totally cool.","start_word":4108,"end_word":4118,"sentiment":"positive","sentiment_score":0.44383183121681213},{"text":"I was just double checking that if you're sitting at a 107,000, say, with your wages and your business total income, you're sitting in that 32% bracket. And then if you were to earn, say, the four and a half percent from the goal saver, you'd be paying in $2,200 on tax on that. I'm sorry. Sorry. I I can you say that again? That's right. So I've just added your 87 and a half grand income with, Yep. let's say, 18 to 20 for the business and then another 6,800 from the interest of the goal saver account. And if that gets lumped over the top based on your current bracket, you'd be paying the 32% on that. So that would work out to be a couple of grand tax that you'd pay on the interest of the GoldSaver account that you Oh, wouldn't they're such pay.","start_word":4119,"end_word":4266,"sentiment":"neutral","sentiment_score":0.027633320540189743},{"text":"wankers.","start_word":4267,"end_word":4267,"sentiment":"negative","sentiment_score":-0.4304537773132324},{"text":"Yeah. Pretty strange, isn't it? You earn $6 interest, and they've got to charge you a couple of grand tax on that just for having some money in savings, Okay. which is I why know. offsets Right?","start_word":4268,"end_word":4304,"sentiment":"neutral","sentiment_score":-0.2010836750268936},{"text":"are so fantastic.","start_word":4305,"end_word":4307,"sentiment":"positive","sentiment_score":0.5079171061515808},{"text":"But, you know, we do what we can do, navigate it. Yeah. Yep. Yep. Yep. Yep.","start_word":4308,"end_word":4323,"sentiment":"neutral","sentiment_score":0.01454410795122385},{"text":"Well, I might have to shuffle even somebody because that's just not that's not really acceptable for my liking. Never mind. I don't enjoy it either. Every time I look at it, I'm like, just like, didn't they didn't they just make, like, a a 4.5 no.","start_word":4324,"end_word":4370,"sentiment":"negative","sentiment_score":-0.4453110694885254},{"text":"A $5,500,000,000 half year quarterly no. Half year profit net profit. Yeah. Any no. But they anyway Yep. okay. So I definitely need to do some stuff about that then because I don't wanna actually have to pay any tax. So I well, not yeah. No. I definitely don't wanna pay tax. So as a short fix, like, that would obviously assist if I was to get a loan and then be able to offset that against the loan, and I would immediately stop paying tax on that. Does it then offset? Yeah. But then, obviously, like you said, still have access to it. Correct. Okay. Okay. Do you think you're gonna go through and try and purchase this one before the end of financial year? Yeah. Yep. Yeah. Well and because you know? And and I I mean, I I figure it's kind of, you know, with it being as cheap of a property as it is. Find work in, you know, like, but also take time to do that, mix up some bits and pieces. While you're there and you can actually look after it. Because when you're in a small town like that, it's sometimes hard to have somebody looking after property renovating it that you can't see and you're not around. So being able to have them while you're there is a bit of a plus as well. Yeah. Yep. And I think also even just with, like, even if it was only, like, losing, like, a month's work, you know, it had dropped my inch like, my income down, you know, even you know what I mean? Like, just to sort of even if Yeah. it's dropped dropped by 8,000, you know, like, just because I'm not working for that month.","start_word":4371,"end_word":4666,"sentiment":"neutral","sentiment_score":-0.01691687132257062},{"text":"Plus, obviously, having the benefit of having, like, a, you know, I guess, the offset and the cheaper cheaper combination and be able to, you know, have a secure rent and home.","start_word":4667,"end_word":4698,"sentiment":"positive","sentiment_score":0.4207340478897095},{"text":"And how much are you currently paying in rent for where you are?","start_word":4699,"end_word":4711,"sentiment":"neutral","sentiment_score":0.0735236182808876},{"text":"So, currently, it's actually pretty cheap because I we actually have one of the cheapest rentals in Broome. But Oh, so nice.","start_word":4712,"end_word":4733,"sentiment":"positive","sentiment_score":0.40373045206069946},{"text":"what I pay or what we pay is $5.50 per week. Yeah. But the average rent in Broome is closer to about $1,000 per week.","start_word":4734,"end_word":4758,"sentiment":"neutral","sentiment_score":0.2235480695962906},{"text":"Well, it definitely seems like you'll be saving a little bit if you got that property for $2.40 because Yeah.","start_word":4759,"end_word":4778,"sentiment":"positive","sentiment_score":0.5345767736434937},{"text":"even then let let's say $5.50 a week rent, that's 12% of the value of that property. Most of the time, the rent's somewhere between 510%. So Yep. what I'm sort of saying there is if you're renting out that place, depending on economics Employment. and social things and employment, $5.50 compared to $25,300 is a big difference. But, obviously, the the loan shouldn't cost that much. Maybe a little bit Yeah. on the Well, way that's in terms and of that's rates that's and why insurance. I'm looking to actually go, like, cheap and affordable rather than, you know, like and I look. I don't I don't like, I mean, we don't we're not overly social people anyway. It's not what we do. Anyway, because it Yeah. won't hurt to be a little bit remote in a quiet little town. Might be able to go shoot something. Yeah. Exactly. And think of what that does for you financially, though, too, because you've got this 153 sitting in in the cash at the moment. That's an asset. Assets go towards your ability to borrow to get more assets and wealth and loans and things like that. Same thing Yep. if you've got the property is that property value gets taken into account. The amount that's in the offset account gets taken into account, but then you've got all the cash that you could still access.","start_word":4779,"end_word":5013,"sentiment":"neutral","sentiment_score":0.11750605670695607},{"text":"You've got the cheaper accommodation compared to the rent that you're currently paying. So it will start to put you in front in a cash flow and capital position over the years.","start_word":5014,"end_word":5045,"sentiment":"positive","sentiment_score":0.3727766275405884},{"text":"That will Yeah. then allow Yeah. you to do other things, whether that's investing or get the next property or build that next dwelling, but it gives you a Yeah.","start_word":5046,"end_word":5075,"sentiment":"neutral","sentiment_score":0.2379287481307983},{"text":"pretty much of a safe base. As long as you can sort employment out and you can earn enough, then it should be pretty good, actually, both in terms of Yeah. cash flow and your overall wealth.","start_word":5076,"end_word":5112,"sentiment":"positive","sentiment_score":0.3784043192863464},{"text":"Yeah. Okay.","start_word":5113,"end_word":5114,"sentiment":"neutral","sentiment_score":0.19814160466194153},{"text":"Well, that that sounds good. I feel much better about having this conversation because at least it just sort of says just ease up, g.","start_word":5115,"end_word":5139,"sentiment":"positive","sentiment_score":0.4108423888683319},{"text":"Calm down. You don't need to do it That's what I all was gonna at once. say is I'm not giving you advice right now, but please don't run off and go buy a second investment property and build a dwelling on that one and then lose where you're living and having to sort out where you're working.","start_word":5140,"end_word":5197,"sentiment":"neutral","sentiment_score":-0.11383890360593796},{"text":"That's not a fun position to be in.","start_word":5198,"end_word":5205,"sentiment":"negative","sentiment_score":-0.5568399429321289},{"text":"We can take a couple of reasonable steps. And over Yeah. five years' time, who knows where you could be? But it will Yeah. be Yep. on a pretty good trajectory is what we wanna be on. Yes. That's alright. Okay. We wanna be going up. Yeah. And I think that makes sense anyway because, I mean, I was sort of thinking, like, with the, like, with the Broomhill, you know, but, I mean, I need I just wanna be able to have somewhere to go to at this point in time. Yeah. You've had So a long will enough that of uncertainty impact as well. sorry? You've had long enough of uncertainty as well, given how worried you were Yeah. a year That's ago right. and so on. Yeah. Absolutely. Been going on way too long in my mind. Yeah. So oh, god. What was this? Were you thinking of something to do with the taxes, I was thinking property? of, like, when I speak to my broker, like, Yeah. obviously, you mentioned about do not cross collateralize so that if one thing goes to ship, it all goes down. But what's the story with if I like, do I am I better off sort of applying for the loan and then letting them know that it is going to be an investment or that I am gonna go live there? What's the Yeah. We you always wanna be honest with your broker. They're yep. supposed to be on Yep. your side. The what I was saying about the cross collateralization, it's more of a trick of paperwork than anything too crazy. So I'll give you an example of my properties. So if I was to put my home as collateral to get the loan for my investment property, it kind of ties them together so that if something goes wrong with one, they can come after the other one. What I did Yeah. instead was they I took out a loan on the home to get the deposit out to use for the second property. So it kinda gives that degree of separation legally. Okay. Okay. I'll move So what I mean is I've got three loans. I've got one on the home, one on. on the investment property, but now I've got this small Yep. deposit loan on the first property that I used for the second one. It was like a cash out. Okay. So you're cashing out your equity. Is that right? Yeah. Yep. So I just bumped Somewhat? up the the amount I owe on the home that I'm living in to get out a bit of that as a deposit for the next one without just straight up linking them up as this versus that. Okay. Okay. Okay. Alright.","start_word":5206,"end_word":5671,"sentiment":"neutral","sentiment_score":-0.0007656295763832305},{"text":"Yeah. That sounds good.","start_word":5672,"end_word":5675,"sentiment":"positive","sentiment_score":0.5838310122489929},{"text":"Yep. And, again, just make sure you let them know that you know, just to balance the deposit out so that you can make sure you've got as much in your offset as possible, like the smallest loan amount. Yep. Not the smallest loan amount. Sorry. Smallest deposit amount. You don't wanna use up all of your Yep. cash as a deposit. You just want Yep. Yep. the usual 20% to avoid LMI or whatever it is. Yep. And then once you've got that in there, you can park all the cash in there. Okay. Got it. Yep. Okay.","start_word":5676,"end_word":5774,"sentiment":"neutral","sentiment_score":0.05958700458509753},{"text":"And the good thing too is your the cash that you've got, it's just in a gold saver.","start_word":5775,"end_word":5792,"sentiment":"positive","sentiment_score":0.460597962141037},{"text":"It's not currently trying to offset that investment property or anything weird like that. No. Yeah. Cool. It's Because just an That's what it's you want. just an Right? ego side. Yeah. You wanna maximize the the good investment debt, minimize that non tax deductible consumer debt.","start_word":5793,"end_word":5839,"sentiment":"neutral","sentiment_score":0.17280766367912292},{"text":"So having all offsetting your PPR is good, where you're Yep. living, that's great.","start_word":5840,"end_word":5853,"sentiment":"positive","sentiment_score":0.5308833122253418},{"text":"Yep. And then you get the maximum amount of deductions by having all the debt on your other property. Yep. Okay. Yeah. That's right. Yeah. Because I'm like currently, I'm sort of just like I'm like, what? What do you mean? Like, because I I'm earning $517 interest and they're taking $2.60 out. That's I'm gonna Yeah. ask them. Anyway They but, are. yeah, no. That is good.","start_word":5854,"end_word":5921,"sentiment":"neutral","sentiment_score":0.08136854320764542},{"text":"I'm glad to hear that. That's that makes sense to me.","start_word":5922,"end_word":5932,"sentiment":"positive","sentiment_score":0.4526670277118683},{"text":"Yeah. So without going too far across the line, I think that's the pathway that kinda suits you the best, and Yep. it gives us a lot of options for what to do next, second and third steps afterwards. Obviously, I need Yep. you to you have to go through, take the leap, and go through these steps and just give us some updates on when you've got address changes Yep. and employment changes and so Yep. on. But outside of that, once you're all settled, we can kind of work through a few things on the Okay. medium term after that.","start_word":5933,"end_word":6034,"sentiment":"neutral","sentiment_score":0.16352775101276004},{"text":"Cool.","start_word":6035,"end_word":6035,"sentiment":"positive","sentiment_score":0.3528395891189575},{"text":"Okay.","start_word":6036,"end_word":6036,"sentiment":"neutral","sentiment_score":0.2483116090297699},{"text":"Well, thank you for your help today with the thought process around all that.","start_word":6037,"end_word":6050,"sentiment":"positive","sentiment_score":0.5987118482589722},{"text":"That's okay. I do apologize it took me a little bit of time to get on the phone with you, but your call your No. call You're is alright. always That's important, all good. Claire. We got there in the end. We did. We did.","start_word":6051,"end_word":6095,"sentiment":"neutral","sentiment_score":0.10887231677770616},{"text":"But you're happy so far?","start_word":6096,"end_word":6100,"sentiment":"positive","sentiment_score":0.3745447099208832},{"text":"Got a few ideas? Yes.","start_word":6101,"end_word":6105,"sentiment":"neutral","sentiment_score":0.2355383336544037},{"text":"I am. Thank you. I am happy with that. Cool.","start_word":6106,"end_word":6115,"sentiment":"positive","sentiment_score":0.5693938136100769},{"text":"Alright. Thank you again, and I will speak to you Cool. I might just send you soon. the usual text for how we did today if you're Yep.","start_word":6116,"end_word":6143,"sentiment":"neutral","sentiment_score":0.1862685829401016},{"text":"happy with the service.","start_word":6144,"end_word":6147,"sentiment":"positive","sentiment_score":0.5150601267814636},{"text":"I'll update your notes on the file so everyone's aware with what the plan kind of is, but I won't What? change anything until you've actually gone and taken those steps. Okay. Yep. No worries.","start_word":6148,"end_word":6182,"sentiment":"neutral","sentiment_score":0.08864813297986984},{"text":"That Awesome. sounds good. Great. You have a fantastic week, and we'll talk to you again soon. Thanks very much, Tommy. See you.","start_word":6183,"end_word":6205,"sentiment":"positive","sentiment_score":0.7551572322845459},{"text":"Bye. See you.","start_word":6206,"end_word":6208,"sentiment":"neutral","sentiment_score":0.32509666681289673}],"average":{"sentiment":"neutral","sentiment_score":0.04589563094465795}}}}