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No. I wouldn't have thought that there would be a bad line at all. But, anyway, let me know if it drops out at all. It could just could just be me. But how are you going this morning? Oh, I love that. That's perfect. We love a good easy day. Nothing wrong with that. Oh, I wish it was an easy day so far. No. It's it's been actually pretty okay. Had a coffee, had breakfast, went for a run this morning. Can't complain. Yeah. Very much. Got it. Got three kids underfoot, so can't can't slack off, unfortunately. Now the reason for my call today so my name is Larissa. I'm the head of financial advice at Oakview. And what I was calling for was to go through and present the statement of advice that we put together. So I've pressed send on, like, the documents to come forward come to you, but they are quite large. So don't be surprised that they take a little bit to come through via email. But, ultimately, what those documents do entail, and the the biggest document of them all is what's called the statement of advice, and that's what I'm going to to sort of go through and explain with you. So the statement of advice details the actual recommendations that we've put together through all the research and based on the goals that you had outlined. Now you had a number of goals that you were, I guess, aiming towards achieving, and sort of one of those was, you know, you were sort of look at your superannuation and and try and make sure that you you could, I guess, re review the investment options that were available within it. Have a look at the insurance to make sure that your insurance policy was adequately covering the debt that you had. Additionally, have a look at the debt management around your property as well. So you wanted to I guess, at the moment at little bit overwhelmed with the the amount of debt that's there, and you're wanting to sort of get a little more of a a handle on on that that property and and make sure that we're we're getting everything covered there. So aside from that, we did have that you you have you have a goal with with regards to the property that we will look at a little bit later. So looking at sort of, I guess, the sale of of your property, potentially something within a few years' time. So at the moment, that's obviously scoped out because it doesn't sort of fall within a time frame that we're able to to scope that into, but it's something that we're able to work towards looking at a little bit later. Okay. So what are you what are you I guess, what what did you rethink with regards to the property? Yeah. Yeah. Absolutely. Yeah. Definitely possible. Do you know have you, I guess, made any inquiries about what you could get rental wise from the property? Yep. Okay. No. That's absolutely okay. Alright. So that's that's something that, I guess, within your family is is they're able to support you with that. And I know you work FIFO, so you're only there for a short period of time when you're obviously off swing. So that's yeah. Okay. And have has the real estate given you an indication as to what you're going to get in rental income or not quite yet? Yep. Principal Place of Residence, PPO. Yeah. Absolutely. So you you're you're thinking you might just rent out the PPR and then look at selling Southport? Yeah. You wanna you wanna create a little bit more liquidity for yourself. Yeah. Absolutely. No. That's that's fine. Alright. Well, let's go through it, and we can kind of talk about a few of the points we put together anyway because they could give you a little bit of a, I guess, thought process to think about on how things can sort of flow. And, you know, based on what you're saying now, we can always update and make changes to to how we wanna, I guess, progress. So with with yourself, I've got you on, like, a $160,000 a year. You're, you know, full time employed and and and, again, like I said, you're FIFO work. With regards to assets, I have the PPR, and then I have the two investment property on Mull And Lind Avenues. Mull is worth about 1 mill. It's got 370,000 owing and lend about 900,000 and 300,000 owing with your PPR at 1.35 with about a million owing on it. Now I know that you you also have, like, redraw facilities on both Mault and Linde at the moment and a bit of an offset account sitting on your primary residence. So you set things up really nicely on that front having that that extra little bit of cash. Now with your superannuation and and the form of your assets, you currently have about 516,000 within your q super account, and you also have an addition an insurance policy within that account. So you have a life and a total and permanent disability policy in that, which currently services a $179,000 in the event that you would have passed away or be totally disabled. So you have that cover within that fund. Now with regards to any investments, what we do and and and what you went through with, Sebi, the director, is you went through and completed what's called a risk profile. Now that risk profile gives us an indication only as to how suited you are, with regards to investments. So, basically, what your tolerance is to any kind of market, risks. Okay? Now you came out as as a high growth. So it means that you're willing to take on, you know, volatile markets. You still got quite an extensive time before you're looking to access any of the capital of the investment. You know, you're not looking to to take off you know, you're not looking to throw it all on red type of thing at the at the roulette tables. It's it's purely and simply that you are calculated in how you wanna invest, but you're willing to let it ride a little bit more than, you know, be conservative per se. Now, ultimately, what we've actually recommended, because you have such a time frame to be able to invest, is to pop you up into what's called an aggressive investment profile. Now the difference between a high growth and an aggressive is really where the assets actually lie. So with any kind of risk profile, what that actually denotes is where the assets sit, whether they sit within a growth sector or whether they sit within defensive sector. Now from that, that percentage or weighting between those two allocations outlines what the what the risk profile is. So an aggressive risk profile basically means that a 100% of the assets that are able to be invested are in growth assets. So they're not sitting in cash or fixed interest or bonds or anything like that, are your defensive assets. A high growth risk profile basically has about 10% roughly sitting in a defensive asset pool, whereas your aggressive aggressive, as I said, with a 100. Now because you are sub 50, you've got quite a while before we're able to touch the the superannuation investment, and you have been able to establish establish yourself quite well with external investments, we wanna be able to take that that role and keep going. We don't wanna slow down. We don't wanna, you know, ease up at the moment. We wanna be able to keep going with that that investment. Now, obviously, an aggressive investment is not not something that you would invest in long term. It is something that you invest in for a shorter period of time. You then start taking steps to become more defensive as you getting older, as we start reaching towards our time frame to to, you know, cease investing or slow down investing, so to speak. Now, realistically, unless specifically with your superannuation, unless you were aiming to withdraw the entire balance at retirement or, you know, at age 60, whatever the age is, you're still gonna remain invested while you're retired and drawing down an income stream. So it's just a matter of making sure that you are calculating the steps as we near towards retirement. Make sure that we do start easing off and start, you know, making sure that we're we're actually hitting our retirement goal, our income need, and not losing out on that. Does that make sense? Yeah. Cool. Now with respect to the strategies, there are a few of them. But, realistically, one of the biggest ones did center around selling your primary place of residence. Because at the time that you spoke with Sevi, that was something that you had discussed as something you were willing to do to be able to become debt free and go from there. Now the statement of advice does very much center around selling that PPR, the 1,300,000, you know, closing out the debts and and being able to go from there. That's obviously not something that you're wanting to do anymore. But as you said was or wasn't willing. Yeah. Yeah. No. Just out. No. No. The best strategy. Yeah. And that's that's where he came up with the selling of the PPR versus selling either of the two other properties. So, normally, like so if a if a client comes to us and and was was to say, hey. I wanna look at these scenarios. I am willing to do any of these things. I am not willing to do this. So some people come to us and they're like, hey. We have five properties. We you know, we're we wanna consolidate a little bit. We wanna, you know, diversify our assets. We have too many properties, whatever the case may be. We don't wanna sell this specific property. You know, we've been in it for fifty years. We're never gonna sell it. We would obviously not include that in any of the modeling or anything like that. However, you had said you were willing to kind of let go of any of the properties. There was no holes barred, I guess, for lack of a better phrase. And, you know, there was no specific, I guess, attachment to the primary residence, and you were happy to let it go if it was more suitable than either the other two. When we modeled it up and had a look at everything, selling the PPR worked out better for you in terms of debt consolidation because it had a there's no capital gains attached to it as a as a property sale, and it was able to wipe out the debts for you pretty well, which gave you, you know, that that goal of being able to to get rid of the debts and and just have that little bit more peace of mind. Now, obviously, if you're wanting to proceed in more of, like, a you I guess, you've had a an opportunity open where you can move in with mom and or parents, and you're able to rent it out, I can model up what that looks like from a from a cash flow basis with regards to, you know, your rental income plus reasonable costs that you need to keep aside from a, you know, ongoing maintenance perspective, your agents fees or, you know, real estate fees, and, you know, rates and water connections and all the rest of it that you would be obligated to pay to show you what, I guess, your shortage is. Yes. That that's what I'm what what your shortage is with respect to that. Okay. Yeah. Which is what you were looking to do. Yeah. Yeah. Absolutely. You should definitely have an email of the statement of advice with you. I would hope it would be with you by now. But if you pop down to page 17, it outlines the the recommendation for the superannuation. So you're with QSuper at the moment. QSuper has a very limited investment scope. So they have premix investment options that don't allow you to diversify fully within the platform. So what Citi's recommended is the establishment of a hub twenty four super fund. Now we deal with many, many, many different platforms. So Hub twenty four has been recommended because it's suitable for you, not because we're working with one platform over another. And then he's recommended that we establish a investment portfolio that gives you a bit more diversity. So the investments that he's recommended are listed in the document on page 21, but it's, you know, like, a cybersecurity's asset. He's recommended a health care asset. So each of these assets are what's called ETF or exchange trade funds. So they individually you know, it looks like you're basically holding eight eight different holdings. But underneath the underlying assets, there's anything between 20 to a 100 individual companies, stocks, and shares inbuilt into each of those different assets there. So it gives you a lot more diversity across what you're investing in, and it gives you a a bit more security with everything as well. So you're currently in a full international shares hedged investment, so you are very, very aggressive already. This gives you a little bit more diversity to that investment without currently, like, all of your your your stocks are hedged in one asset. You're international only. You haven't been able to pick and select where you're able to invest, so it takes away some of the, I guess, control from you because Screw Super only has very limited assets, which you would know because you've very much gone and selected this asset. This asset is not something that is generally preselected for an individual. So the different stocks that have been or the ETFs that have been selected give you a bit more of a diversity across the market and allow you to have a little bit more little bit more control. So, like, you have a a Nasdaq investment. You have a tech investment, which you know, the tech investment, a little bit more volatile on the market, but does have really good returns. Each of these stocks are what's called investment grade or above. So we don't invest in really high risk assets that, you know, have not to, I guess, insult your intelligence, but can I ask how much of investing do you actually know? So if I was to say alpha and beta, do you understand what those terminologies mean with investments? No. That's okay. That that's okay. So let's just say take hack, for example. So Hack is the is the the API or the tracker code that when you're investing, each each asset that you have to buy has its own tracker code so you know what you're investing in. So Hack is basically the beta shares. Beta shares is the investment manager, and cybersecurity is, you know, basically what is in under the fund. Now within that fund, there are quite a number of different companies. It does change, but with hack, basically, what the investment is aiming to do is to invest specifically within cybersecurity tech companies that are established and, like, growing. The the whole point of the the asset is not to stagnate or invest in companies that have hit their their peak and are, you know, are are done with their evolution. And it also doesn't invest in stocks in companies that are establishing, so brand new companies that have a high risk of of obviously faulting. So every single one of the companies is is researched and is is is looked at. BetaShares is the investment manager that researches each each of these assets. It is still very volatile because your tech companies can be very volatile. And so the the actual asset itself does tend to to throw its weight around up and down. You have a little bit more of your you're cushioning that through gold. So there's a little bit of gold in the portfolio that does cushion a little bit more of that blow when you've got your, you know, your your more aggressive stocks that are the throwing weight. Tech does the same thing. Nasdaq is obviously very much known for doing that. You've also got S and P 500, so that's pretty much really a nice steady steady asset. And you've got your India stocks as well, which can be a little bit more volatile. Haven't been of late, but can definitely be more volatile. So each of those assets, I guess, do their own thing. Now the portfolio as a whole, any single super fund has to have a cash balance. The hub twenty four fund requires, like, a 1.25 cash allocation. So there's 1.25% that'll be held in cash, and that's because the portfolio requires it. QSuper does the same thing. Every single portfolio or platform requires some form of money to be held in actual cash. Some of the portfolios will hold it within the asset as an underlying because, obviously, the way we've split your assets, a lot of these assets don't have underlying cash. Some of them do, but we've kept your cash balance obviously to a to a minimum because we're hoping like, you know, we're wanting to put more of the assets on the market than less. Now the aim towards this is to have a low beta, high alpha. So the whole point of a high alpha investment is to to outsource the market. A low beta means that it's costing less than the market equivalent. So it's why we'd aim towards ETF because they're generally a little bit more cost effective because you're able to bundle a lot of different companies into one cube, I guess. And it means that your purchase cost across, you know, buying all these assets reduces a lot. Now with reference to, I guess, the cost base between the two, currently, your your q super fund in the portfolio that it's in is performing at, like, a nine point zero four percent five year rolling. So it's it is doing really well. Don't get me wrong. Like, 9% is really great, and over a five year time frame is fantastic. It is very much only in international stocks, and you're hedged in international stocks. You don't have any national stocks or anything like that. And, again, you're very limited on what you're able to see. QSuper and the investment menu that you're in is low cost. So if you have a look on the document at page 24, you'll be able to see a cost breakdown between the two funds. So your admin fees for your q super are coming out, like, $631 versus hub 24, it's 1,500 for the year. Your investment fees with with your q super are quite low because you're only in that single stock option. So it's about $500 a a week versus it's about $2 or just shy of $22,300 for the investment fees for though for those funds. We have used the highest possible investment fees for each of the funds. So your Hub 24 in that investment fee, I've included brokerage fees and everything. Now Hub 24 is an intuitive platform, and you won't always go to market to buy your assets. It actually internally trades within other with other accounts that are currently holding those assets. So when you go to buy, it it does what's called aggregation. So it doesn't always require you to go to open market to purchase. So those fees are gonna be a lot less. I very, very rarely see my clients actually go to open market. And, generally, it's because I force a market trade that that actually ends up happening. Now aside from that, obviously, currently, you don't have an adviser under Oakview. You would have an adviser. So someone that you would be able to talk to ongoing. We would help you out. You would have access to us anytime that you needed. And, you know, we're able to do these documents up, do comparisons for you. You know, if you had another a thought process or a concept you wanted, there's someone to basically be able to run through with that. Yes. Of course. Yes. Yep. Yep. Oh, is that Netofees? Yes. Yes. Correct. Yeah. Yeah. Yeah. So you do have insurance with QT for right now. What I what we wanna do is actually replace those because they're you don't have an income protection. So in the event that you were not able to work for, you know, due to an injury or illness, we wanna look at getting a a policy in place and then just also rounding out your life and total permanent disability to help cover, you know, cover you in the event that anything were to happen. I'll go over that in a second. It's basically two pages down from where we are. So as you can see, I guess, you know, based on if we were to basically stay in aggressive, like, in this in this risk profile for the entire time, these are the outcomes that you would basically be looking at receiving. Now, obviously, as I said, as we start nearing your retirement, we will start scaling down a little bit just because you will start becoming a little bit more risk adverse. But that would happen with your current as well because you would wanna start protecting the the assets that you had grown rather than taking risks, you know, on on the capital that you you have. Cool. Now with respect to the insurance, currently, you have the life and the total payment facility with your q super. So you don't have any income protection as I was saying. Now what we're recommending is that we engage in a new policy for the life, the total parent disability, and the income protection. And the income protection would be at your at your income rate. So it's able to pay up to up to 70% of your income if you were to go on claim. So the whole point of an income protection policy is you're not able to be earning the same amount or better than what you were if you were working. The policy is there to basically be a stopgap between becoming ill and injured, ill or injured, I should say, and being able to return to work. Now if you are unable to return to work, that's where a total permanent disability policy put kicks in, and that becomes a lump sum benefit that's payable to your super fund. Now because at the moment you are, I guess, a little bit cash strapped, Cedi has recommended that we pay for these through your super fund. Now if in the future or, you know, when in the future, not if, when in the future we, you know, start being able to consolidate down some of those those debts and get everything flowing a little bit better, what we would be able to do is from there, we can pop your income protection policy to be paid personally by you because it becomes a tax deduction. Now, obviously, at the moment, you've got both of the properties that are tax deductible. So it's something that it can be looked at, but it's not something we wanna obviously impact against your cash flow right now. But we do wanna make sure that that policy is in place just on the event that anything happens. Because the older we get, unfortunately, things start breaking down a little bit. Trust me. The start running five years ago, and it gets harder every day. Now that policy, we're looking at because it's paid by your superannuation fund, it's 15% cheaper than if you paid for it fully personally. And that's because the super fund basically gives you a rebate. So it becomes $1,636.53 for the year, and that gives you 200,000 a life 200, 250,000 a life, 250,000 total claim disability, $9,333 per month of income protection after thirty days. So you have to be off work for thirty days before the claim kicks in, and then the policy pays you at the end of the month. So the first payment would be received basically day 60 of being off work, but the policy pays you for up to five years. Now I we did look at, like, a five year versus a two year benefit period, and it was only a couple of $100 difference in the premium. So being on a five year benefit obviously gives you those extra three years worth of security if you you know, anything were happen. Now these kinds of policies cover mental health, back injuries, knee injuries, anything and everything that you can think of. You know, cancer diagnosis where, you know, you need to go through treatment and unable to work during that. So it it enables you to not have to force yourself to go back to work just because you are injured and then, obviously, possibly do more damage to you. Cool. So that would basically replace your q that would it would it would replace your q super policy in whole. Cool. Now with the policy, we do underwritten policies. So your q super policy is generally a group policy, and your policy was where your employer or you at the opening of your fund made a disclosure of, obviously, age, gender, living, demographic, and then occupation. Now most super funds will just take a stab at the general occupation and give you a general standard occupation rating unless you make a disclosure otherwise. Now what this policy or what the CAL policy will do, which is the provider we're looking at underwriting with, is they will ask you questions to do with your occupation, your health, and your family history. They underwrite the application at time of application rather than underwriting the application at time of claim. It means that the claims process is a lot smoother, which is obviously what we want when it comes time to claim. We don't want the headache of, you know, endless forms and stuff like that. A claim is already generally a a pretty extremely stressful moment to begin with, so we don't wanna add the stress to it. So that's why we underwrite the policies at time of application. It means that the insurer knows you as an individual, and they know the level of risk they're taking on when they put the policy in place. Means that the policy is tailored to you rather than to a group of people, which is what you currently have under q super. A group policy is basically where they take individuals within a specific demographic age and gender status, and they all get insured for the same amount of money, and they all pay the same premium. And the insurer basically just says, well, you know, about a percentage of these clients will claim and a percentage of them won't. And based on historical claims processes, that's how the premiums are actually calculated rather than based on you as an individual. So with the policy that would, as I said, completely replace the the q super policy. You'd have life insurance in place. It would get paid for from the Hub twenty four fund, and your QSuper fund would be closed once the new policy is in place. So we would do a stepped and staged implementation where we would roll the majority of your funds over to Hub twenty four, get the account started, do your insurance application, get the first premium paid for from your Hub twenty four funds so we know it's in place before we close and cancel your other insurance. Because the second that q super closes, the policy insurance policy closes as well or ceases. So we don't wanna ever leave you uninsured. We always wanna make sure that we're protecting you and keeping you safe or, you know, keeping you insured during that transition period. No. Yes. Yes. Hub twenty four are one of the largest super funds in Australia with trillions under investment. Not billions, trillions. So, no, very, very, very, very much not gonna happen. They don't get me wrong. They are new in comparison to, like, your q super. Q super has obviously been around forever, but Hub twenty four has been around for a good couple of decades now, and they are one of the one of the leading super funds. They are a retail fund. Super funds can't run and take your money. So I'm not a 100% sure what news article you obviously like, you you heard. I'm not trying to undermine it. But Superfunds have have charged deceased estates. They charge people that are dead. It's happened. And ASIC have gone after them and made them repay it all. There have been, you know, funds that have overcharged clients, and, again, ASIC have investigated and made them pay it back. There have been things that have happened. There are, like, self managed super funds, SMSFs, that have, unfortunately, a little bit less guidance. They are supposed to still act with integrity and under the legislation, but there's a little bit less, I guess, strict ruling over them. Do them wrong. I think do eventually catch up to any of the SMSF funds that aren't acting in line with the legislation, but it's probably not done as well as it should be. They do have to they do have they do get audited every year, but it does take time for, you know, Aetna to go through all the audits and eventually catch up and deal with them. I'd have to look into whatever it was, news article. Oh, okay. Yep. I was wondering if you were talking about possibly First Guardian and whoever the other one is. Yes. Shield. They were not super funds. They were assets, so they were an investment, not a fund. Hub twenty four did not put them on platform. They were not offered under Hub twenty four. Hub twenty four investigated both of those assets when they became available on market. It's their obligation to do so. It's that it's what it's what they do as a platform, and both of them were too high risk for them to engage on platform. Macquarie, Netwealth, there are a couple other quite large. Macquarie's a bank orientated and connected provider. They've been around for quite a long time, and they have both had both both of those two funds have both had to engage in remediation to pay and remediate back the funds lost by clients because they let the asset be available on platform. Shield and First Guardian have both been in the news for a couple of years now. Massive, massive screw ups by the super funds. But also the the actual asset managers, it was a Ponzi scheme. I mean, the short and long of it, it was a Ponzi scheme, unfortunately. OQ Financial have never recommended either of those two assets. The assets that we've recommended and the assets that we do recommend are available on the ASX. They are tried and true. Not gonna say they're blue chip, but they're tried and true assets. We don't take risky investments with our clients' money. You know, we're not we don't invest in Bitcoin. While I do have a couple of clients that do personally invest in Bitcoin, I do have clients who I invest in Bitcoin mining companies for. I don't. We don't invest in Bitcoin itself. It's too much of a risky stock, and that's not we're not day trading. We're looking to hold long term stock. And whilst granted, there will be tweaks that we do make to the assets that we're recommending, I e changing some of the weightings, maybe swapping one of the stocks out every now and then. You know, markets change. Maybe, you know, India stops performing, and we wanna move a little bit over, you know, to Japan, whatever the case may be. So we might move some of the waiting around. We're not looking to make massive swings left and right. We're not looking to basically do a full portfolio sell every three months. That makes no sense for a long term stock or investment. So yeah. No. Shield and First Guardian. I'm more than happy. I can send you some information on them. I I did have a client. The questions here? Yeah. Absolutely. No. I did have a client that came to me. He had Shield assets, so I've been working with him for the last couple of years while Shield was in in liquidation. He actually had First Guardian and Shield while both of them were in liquidation. So I've been very, very much on top of how they've been going. And, look, he didn't make the outlandish money that it was portrayed as having made, but he did not lose anything. He actually got his cost basis back, which was good. So cost basis being what he put into the asset, he got back out. He held it for a few years, but so he got nothing out of it, but he didn't lose anything. So he's quite happy. Because, originally, I turned around and told him he'd be lucky if he get got, you know, 30¢ on the dollar. So he was quite happy when we ended up walking away pretty much in net positive or net neutral. So yeah. And the if you actually have a look in the news, just, I guess, for peace of mind, any of these any of the advisers that recommended either of those two assets were fully investigated by and have been ceased as advisers. So they are no longer able to give advice to clients for a period of time, and that will always be on that record their record as a disciplinary action. Yeah. Yeah. Look. There there are some some people that have been over the whole Shield First Guardian that have been lifelong banned, but others have been, yeah, like, anywhere between two and ten years banned. I can tell you now that the ones that ran the ran the Ponzi scheme is definitely not. They were caught, and they're currently being prosecuted. But there are always someone somewhere that has benefited and had their name not on anything, and I'm sure there was someone that got away with something. But those with their name listed did not. No. Not connected at all. When when I spoke, yeah, when I spoke to their investment committee, when a lot of it broke, they turned around and said, yeah. They were contacted by ASIC. They actually handed over all of their research that they did into the port into the assets or the portfolios, and ASIC basically turned around, clapped them on the back, and said, good job. We basically had the same outcome when we investigated the assets that they were too high of risk. Basically, like, a lot of the assets were in not real. Like, the stock options that were listed were not actually real stock. They were buildings that were going to be built but got shut down multiple times for nothing up to code, couldn't be established, couldn't be built. It was an absolute shimmuzzle. There was no tangible assets that that the investors were actually investing in under those. I'm more than happy to send you portfolio reports for every single one of the assets I've recommended so you can see what assets you're investing in. What's you on edge? Yeah. Superfund platforms, investors. Like, it it's yeah. All of it. Perhaps q q super 100% could. And the frustrating part is is that there's not a full offering of assets listed. So you you can't just jump in and see where every single one of your assets are. Whereas on your Hub 24 platform, it's a lot more transparent. So when you actually open it up, there's an app and all the, you know, technological fun things. But when you open it up, you'll see the eight assets, but you can actually click into them, and it shows each one of the underlying assets that that holds. So it means that, you know, per quarter, you could jump in and have a look, and some of those are gonna change. The weighting's gonna change that on you know? Today, you might hold point 3% of West farmers, and then tomorrow, it might be point five type of thing. Yeah. Where is it actually sitting? Yeah. Like, it is available. You just have to dig for it, and it's not as easily obtainable as you would probably like it to be. It is available. I can send it to you. It's just it's not it's not fun to find. Very much. Yeah. Which you will get under health 24, which will be good for you. So I have nothing else really to to cover on this. I guess I want you to be able to take like, take it and read it. There is a recommendation to be able to like, the first recommendation off the rank was the sale of the PPR, primary residence, because that got you the outcome of being able to consolidate and close out the debt. Now do you wanna hold it? That's okay. Yep. Yep. Yeah. Oh, that's okay. Okay. That's okay. Let me put it this way. There's we I can model out each of the two properties because I know based on those addresses, they're pretty close to each other. So I'm more than happy to model out which ones to sell, which one to keep based on, like, the values and the growth potential of each of the properties as well. Because I can I can just look them up online with regards to sales in the area? I can have a look at where they fit. Herring Todd White provides really good statistics with regards to growth potential in each area, whether it's hit the bottom of the market, the top of the market, or whether it's on a growth spiral. So whether it tells us, you know, we can probably sell now or whether we still haven't hit that peak for the area like, the sales area to sell in the area. You know what I mean. And we can go from there. The other thing I did notice when I was obviously reviewing your file and looking over everything, you have redraws in both of your investment properties. No. It makes a hell of a lot more sense to put all of that money in the offset to your PPR, especially right now when your because your PPR is nontax nontax deductible interest. So the more you can reduce down on the interest from that property, the better off you are. You can continue paying the repayments that you're paying. You pay more off on the capital, and the two investment properties are tax deductible to you. Deductible. Yeah. Yeah. Because if they're positive, it means you're cash flow rich. You have income coming in. They're making money. And we will definitely point. We're not quite there yet. We need to drop some of the debt down and and just get things moving a little bit better. The other thing we can do, just to throw a spanner in the works, is you could refi on the properties. So I can connect you with my broker, and we can refinance the properties and shift the million dollars off your primary residence and shift it over into the investment properties. Because that as a whole will mean that you're not paying interest. I have a I have I have a PPR myself, and I have a debt on it. So when I say this, I I say this understanding I have the same position, but a home loan is actually bad debt because it's nontax deductible. So from a accountant's point of view, a home loan is a bad debt. An investment property, great debt. Tax deductible debt. We love tax deductible debt. It can become tax deductible. Yes. Yep. You can play yeah. You can play the six year rule. Correct. Yeah. So we don't have to shift the debt. But at the moment, until you rent it out, I would shift all the money from the redraw over onto the offset of the primary residence because your interest is calculated daily. So the sooner you have that money sitting in the offset of the PPR, the better off you are. Yeah. Yeah. So if you shift that money over, that's gonna sit a lot better for you from an interest perspective. It means that this month's repayment will go off will will take more off the capital than it was interest. So it'll make you feel a little bit better there. And then until you get it rented out, it'll sit a little bit better that way. Once it is rented out, realistically speaking, it's 61 half of the other where you put the money across all three of those, whether you have it in the redraw or we have it in the offset with respect to, you know, how it's all sitting. Yeah. Is the com is the ComBank loan on your is that your PPR? Your PPR probably is less because it was done as a PPR loan. Investment loans are actually higher. Sorry. Investment loan. Okay. Well, now that you are across the line, maybe go and refi. Oh, wait. Let me have a quick look. Because you are if we are sitting at 1350 Yeah. We're sitting well below 80%, so we're good. I just I didn't want you to go and refinance and then get hit with LMI again or lenders mortgage insurance. Because if you refinance and you're above 80%, you get hit with lenders mortgage insurance again. What you could do is you can go refinance now before you go and invest rent it out, and you can refinance under a principal place of residence loan. So you get the lower interest rate right now, and you can, from there, then go and rent it out afterwards. Obviously, while it's rented, if in the you know, while you do have have it as an investment property, if you go and refinance again, you have to do it under a under an investment loan. But right now, because it is a PPR, you're living in that PPR, it's considered your PPR, you can do it under a mortgage loan, which will take don't don't get me wrong. It's generally points of a percent off, but still, that's points of a percent in your back pocket. That's less interest you're paying on the overall loan. And when you're dealing with a million dollar loan, they're happy days. And if if you are unhappy with your broker or they're a pain, let me know. My broker is absolutely lovely. She has done fantastic job for me personally and for a number of my clients as well. And she can have a look at all three of the properties and and refinance for you. Good. No. That that's good. I never wanna take you away from someone you're happy with. I just always wanna check. Yeah. Absolutely. Yeah. Yep. Yeah. So you would receive two emails. One was because my system was being a pain, so I emailed I got Maddie to email you the statement of advice because I couldn't press send on some of the documents through the the sign system. So you'll have another email that will basically say request the signature that has the statement of advice plus the supplementary documents, your PDFs, applications, everything like that. Don't be surprised it may be in your junk folder. And, yeah, you're able to sign electronically through there. You don't have to sign today. You can definitely take your time to read it. It is a lot of documents to go through. Realistically, everything else that's sitting there is a is a supplementary too. The one thing you probably do need to write on with the statement advice is on the sign page, there should there's an option for you to type in the box. You're able to type in the box and just say that you're not currently looking to sell your PPR, that just gives me formal notice that you're not selling that PPR property. Don't me wrong. It's gonna be my notes following today's conversation anyway, but it's just always good having it in writing from you as well. Okay. Yeah. Balance. Yep. Yep. So that's Not quite. But, yeah, the in that fee table that was back up on page, like, 24 or something, where I where we talked about like, currently, you don't have an adviser under q super, but you will under hub twenty four, and there's that $8,008.08 9. That's the advised fee. Yep. Yep. Mhmm. If you see sales services, that advice they see as well. So it's charged per rider monthly. So if you see staff services midway through a, you know, a fee cycle or a fee arrangement, whatever you wanna call it, so partway through the year, then it would just it would drop off at the time that you chose to have it drop off. And you would only have been charged to the pro rata amount at the time that the arrangement ceases. Yeah. Oh, amazing. Well, if there are any more questions that you have, please do feel free to give me a call. You can call into the 1300 number and ask myself or, Freddie. Madison's generally the one that answers the phone. She's got lightning hands on that phone. So nine times out of 10, you will probably speak to her. And then from there, yeah, just you can come through to me, and I'll be able to have a chat with you. If it's you know, if you have any questions, qualms, concerns, you wanna have a chat about the properties, you just want someone to bounce ideas off, please feel free to give me a call. It's a, one of my favorite things to do, spitball ideas on on debts and how to how to deal with it. And sometimes just having that one person to to throw ideas around kind of helps clarify things within yourself as well. Oh, absolutely. I look forward to hearing from you. You too, Mark. 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I have you there, Mark? Hi. Larissa from Oakview Financial. How are you going? That's good.\n\nSo have you on a good line, or does it seem to chop in and out, or is it just me? No. I wouldn't have thought that there would be a bad line at all. But, anyway, let me know if it drops out at all. It could just could just be me.\n\nBut how are you going this morning? Oh, I love that. That's perfect. We love a good easy day. Nothing wrong with that.\n\nOh, I wish it was an easy day so far. No. It's it's been actually pretty okay. Had a coffee, had breakfast, went for a run this morning. Can't complain.\n\nYeah. Very much. Got it. Got three kids underfoot, so can't can't slack off, unfortunately. Now the reason for my call today so my name is Larissa.\n\nI'm the head of financial advice at Oakview. And what I was calling for was to go through and present the statement of advice that we put together. So I've pressed send on, like, the documents to come forward come to you, but they are quite large. So don't be surprised that they take a little bit to come through via email. But, ultimately, what those documents do entail, and the the biggest document of them all is what's called the statement of advice, and that's what I'm going to to sort of go through and explain with you.\n\nSo the statement of advice details the actual recommendations that we've put together through all the research and based on the goals that you had outlined. Now you had a number of goals that you were, I guess, aiming towards achieving, and sort of one of those was, you know, you were sort of look at your superannuation and and try and make sure that you you could, I guess, re review the investment options that were available within it. Have a look at the insurance to make sure that your insurance policy was adequately covering the debt that you had. Additionally, have a look at the debt management around your property as well. So you wanted to I guess, at the moment at little bit overwhelmed with the the amount of debt that's there, and you're wanting to sort of get a little more of a a handle on on that that property and and make sure that we're we're getting everything covered there.\n\nSo aside from that, we did have that you you have you have a goal with with regards to the property that we will look at a little bit later. So looking at sort of, I guess, the sale of of your property, potentially something within a few years' time. So at the moment, that's obviously scoped out because it doesn't sort of fall within a time frame that we're able to to scope that into, but it's something that we're able to work towards looking at a little bit later. Okay. So what are you what are you I guess, what what did you rethink with regards to the property?\n\nYeah. Yeah. Absolutely. Yeah. Definitely possible.\n\nDo you know have you, I guess, made any inquiries about what you could get rental wise from the property? Yep. Okay. No. That's absolutely okay.\n\nAlright. So that's that's something that, I guess, within your family is is they're able to support you with that. And I know you work FIFO, so you're only there for a short period of time when you're obviously off swing. So that's yeah. Okay.\n\nAnd have has the real estate given you an indication as to what you're going to get in rental income or not quite yet? Yep. Principal Place of Residence, PPO. Yeah. Absolutely.\n\nSo you you're you're thinking you might just rent out the PPR and then look at selling Southport? Yeah. You wanna you wanna create a little bit more liquidity for yourself. Yeah. Absolutely.\n\nNo. That's that's fine. Alright. Well, let's go through it, and we can kind of talk about a few of the points we put together anyway because they could give you a little bit of a, I guess, thought process to think about on how things can sort of flow. And, you know, based on what you're saying now, we can always update and make changes to to how we wanna, I guess, progress.\n\nSo with with yourself, I've got you on, like, a $160,000 a year. You're, you know, full time employed and and and, again, like I said, you're FIFO work. With regards to assets, I have the PPR, and then I have the two investment property on Mull And Lind Avenues. Mull is worth about 1 mill. It's got 370,000 owing and lend about 900,000 and 300,000 owing with your PPR at 1.35 with about a million owing on it.\n\nNow I know that you you also have, like, redraw facilities on both Mault and Linde at the moment and a bit of an offset account sitting on your primary residence. So you set things up really nicely on that front having that that extra little bit of cash. Now with your superannuation and and the form of your assets, you currently have about 516,000 within your q super account, and you also have an addition an insurance policy within that account. So you have a life and a total and permanent disability policy in that, which currently services a $179,000 in the event that you would have passed away or be totally disabled. So you have that cover within that fund.\n\nNow with regards to any investments, what we do and and and what you went through with, Sebi, the director, is you went through and completed what's called a risk profile. Now that risk profile gives us an indication only as to how suited you are, with regards to investments. So, basically, what your tolerance is to any kind of market, risks. Okay? Now you came out as as a high growth.\n\nSo it means that you're willing to take on, you know, volatile markets. You still got quite an extensive time before you're looking to access any of the capital of the investment. You know, you're not looking to to take off you know, you're not looking to throw it all on red type of thing at the at the roulette tables. It's it's purely and simply that you are calculated in how you wanna invest, but you're willing to let it ride a little bit more than, you know, be conservative per se. Now, ultimately, what we've actually recommended, because you have such a time frame to be able to invest, is to pop you up into what's called an aggressive investment profile.\n\nNow the difference between a high growth and an aggressive is really where the assets actually lie. So with any kind of risk profile, what that actually denotes is where the assets sit, whether they sit within a growth sector or whether they sit within defensive sector. Now from that, that percentage or weighting between those two allocations outlines what the what the risk profile is. So an aggressive risk profile basically means that a 100% of the assets that are able to be invested are in growth assets. So they're not sitting in cash or fixed interest or bonds or anything like that, are your defensive assets.\n\nA high growth risk profile basically has about 10% roughly sitting in a defensive asset pool, whereas your aggressive aggressive, as I said, with a 100. Now because you are sub 50, you've got quite a while before we're able to touch the the superannuation investment, and you have been able to establish establish yourself quite well with external investments, we wanna be able to take that that role and keep going. We don't wanna slow down. We don't wanna, you know, ease up at the moment. We wanna be able to keep going with that that investment.\n\nNow, obviously, an aggressive investment is not not something that you would invest in long term. It is something that you invest in for a shorter period of time. You then start taking steps to become more defensive as you getting older, as we start reaching towards our time frame to to, you know, cease investing or slow down investing, so to speak. Now, realistically, unless specifically with your superannuation, unless you were aiming to withdraw the entire balance at retirement or, you know, at age 60, whatever the age is, you're still gonna remain invested while you're retired and drawing down an income stream. So it's just a matter of making sure that you are calculating the steps as we near towards retirement.\n\nMake sure that we do start easing off and start, you know, making sure that we're we're actually hitting our retirement goal, our income need, and not losing out on that. Does that make sense? Yeah. Cool. Now with respect to the strategies, there are a few of them.\n\nBut, realistically, one of the biggest ones did center around selling your primary place of residence. Because at the time that you spoke with Sevi, that was something that you had discussed as something you were willing to do to be able to become debt free and go from there. Now the statement of advice does very much center around selling that PPR, the 1,300,000, you know, closing out the debts and and being able to go from there. That's obviously not something that you're wanting to do anymore. But as you said was or wasn't willing.\n\nYeah. Yeah. No. Just out. No.\n\nNo. The best strategy. Yeah. And that's that's where he came up with the selling of the PPR versus selling either of the two other properties. So, normally, like so if a if a client comes to us and and was was to say, hey.\n\nI wanna look at these scenarios. I am willing to do any of these things. I am not willing to do this. So some people come to us and they're like, hey. We have five properties.\n\nWe you know, we're we wanna consolidate a little bit. We wanna, you know, diversify our assets. We have too many properties, whatever the case may be. We don't wanna sell this specific property. You know, we've been in it for fifty years.\n\nWe're never gonna sell it. We would obviously not include that in any of the modeling or anything like that. However, you had said you were willing to kind of let go of any of the properties. There was no holes barred, I guess, for lack of a better phrase. And, you know, there was no specific, I guess, attachment to the primary residence, and you were happy to let it go if it was more suitable than either the other two.\n\nWhen we modeled it up and had a look at everything, selling the PPR worked out better for you in terms of debt consolidation because it had a there's no capital gains attached to it as a as a property sale, and it was able to wipe out the debts for you pretty well, which gave you, you know, that that goal of being able to to get rid of the debts and and just have that little bit more peace of mind. Now, obviously, if you're wanting to proceed in more of, like, a you I guess, you've had a an opportunity open where you can move in with mom and or parents, and you're able to rent it out, I can model up what that looks like from a from a cash flow basis with regards to, you know, your rental income plus reasonable costs that you need to keep aside from a, you know, ongoing maintenance perspective, your agents fees or, you know, real estate fees, and, you know, rates and water connections and all the rest of it that you would be obligated to pay to show you what, I guess, your shortage is. Yes. That that's what I'm what what your shortage is with respect to that.\n\nOkay. Yeah. Which is what you were looking to do. Yeah. Yeah.\n\nAbsolutely. You should definitely have an email of the statement of advice with you. I would hope it would be with you by now. But if you pop down to page 17, it outlines the the recommendation for the superannuation. So you're with QSuper at the moment.\n\nQSuper has a very limited investment scope. So they have premix investment options that don't allow you to diversify fully within the platform. So what Citi's recommended is the establishment of a hub twenty four super fund. Now we deal with many, many, many different platforms. So Hub twenty four has been recommended because it's suitable for you, not because we're working with one platform over another.\n\nAnd then he's recommended that we establish a investment portfolio that gives you a bit more diversity. So the investments that he's recommended are listed in the document on page 21, but it's, you know, like, a cybersecurity's asset. He's recommended a health care asset. So each of these assets are what's called ETF or exchange trade funds. So they individually you know, it looks like you're basically holding eight eight different holdings.\n\nBut underneath the underlying assets, there's anything between 20 to a 100 individual companies, stocks, and shares inbuilt into each of those different assets there. So it gives you a lot more diversity across what you're investing in, and it gives you a a bit more security with everything as well. So you're currently in a full international shares hedged investment, so you are very, very aggressive already. This gives you a little bit more diversity to that investment without currently, like, all of your your your stocks are hedged in one asset. You're international only.\n\nYou haven't been able to pick and select where you're able to invest, so it takes away some of the, I guess, control from you because Screw Super only has very limited assets, which you would know because you've very much gone and selected this asset. This asset is not something that is generally preselected for an individual. So the different stocks that have been or the ETFs that have been selected give you a bit more of a diversity across the market and allow you to have a little bit more little bit more control. So, like, you have a a Nasdaq investment. You have a tech investment, which you know, the tech investment, a little bit more volatile on the market, but does have really good returns.\n\nEach of these stocks are what's called investment grade or above. So we don't invest in really high risk assets that, you know, have not to, I guess, insult your intelligence, but can I ask how much of investing do you actually know? So if I was to say alpha and beta, do you understand what those terminologies mean with investments? No. That's okay.\n\nThat that's okay. So let's just say take hack, for example. So Hack is the is the the API or the tracker code that when you're investing, each each asset that you have to buy has its own tracker code so you know what you're investing in. So Hack is basically the beta shares. Beta shares is the investment manager, and cybersecurity is, you know, basically what is in under the fund.\n\nNow within that fund, there are quite a number of different companies. It does change, but with hack, basically, what the investment is aiming to do is to invest specifically within cybersecurity tech companies that are established and, like, growing. The the whole point of the the asset is not to stagnate or invest in companies that have hit their their peak and are, you know, are are done with their evolution. And it also doesn't invest in stocks in companies that are establishing, so brand new companies that have a high risk of of obviously faulting. So every single one of the companies is is researched and is is is looked at.\n\nBetaShares is the investment manager that researches each each of these assets. It is still very volatile because your tech companies can be very volatile. And so the the actual asset itself does tend to to throw its weight around up and down. You have a little bit more of your you're cushioning that through gold. So there's a little bit of gold in the portfolio that does cushion a little bit more of that blow when you've got your, you know, your your more aggressive stocks that are the throwing weight.\n\nTech does the same thing. Nasdaq is obviously very much known for doing that. You've also got S and P 500, so that's pretty much really a nice steady steady asset. And you've got your India stocks as well, which can be a little bit more volatile. Haven't been of late, but can definitely be more volatile.\n\nSo each of those assets, I guess, do their own thing. Now the portfolio as a whole, any single super fund has to have a cash balance. The hub twenty four fund requires, like, a 1.25 cash allocation. So there's 1.25% that'll be held in cash, and that's because the portfolio requires it. QSuper does the same thing.\n\nEvery single portfolio or platform requires some form of money to be held in actual cash. Some of the portfolios will hold it within the asset as an underlying because, obviously, the way we've split your assets, a lot of these assets don't have underlying cash. Some of them do, but we've kept your cash balance obviously to a to a minimum because we're hoping like, you know, we're wanting to put more of the assets on the market than less. Now the aim towards this is to have a low beta, high alpha. So the whole point of a high alpha investment is to to outsource the market.\n\nA low beta means that it's costing less than the market equivalent. So it's why we'd aim towards ETF because they're generally a little bit more cost effective because you're able to bundle a lot of different companies into one cube, I guess. And it means that your purchase cost across, you know, buying all these assets reduces a lot. Now with reference to, I guess, the cost base between the two, currently, your your q super fund in the portfolio that it's in is performing at, like, a nine point zero four percent five year rolling. So it's it is doing really well.\n\nDon't get me wrong. Like, 9% is really great, and over a five year time frame is fantastic. It is very much only in international stocks, and you're hedged in international stocks. You don't have any national stocks or anything like that. And, again, you're very limited on what you're able to see.\n\nQSuper and the investment menu that you're in is low cost. So if you have a look on the document at page 24, you'll be able to see a cost breakdown between the two funds. So your admin fees for your q super are coming out, like, $631 versus hub 24, it's 1,500 for the year. Your investment fees with with your q super are quite low because you're only in that single stock option. So it's about $500 a a week versus it's about $2 or just shy of $22,300 for the investment fees for though for those funds.\n\nWe have used the highest possible investment fees for each of the funds. So your Hub 24 in that investment fee, I've included brokerage fees and everything. Now Hub 24 is an intuitive platform, and you won't always go to market to buy your assets. It actually internally trades within other with other accounts that are currently holding those assets. So when you go to buy, it it does what's called aggregation.\n\nSo it doesn't always require you to go to open market to purchase. So those fees are gonna be a lot less. I very, very rarely see my clients actually go to open market. And, generally, it's because I force a market trade that that actually ends up happening. Now aside from that, obviously, currently, you don't have an adviser under Oakview.\n\nYou would have an adviser. So someone that you would be able to talk to ongoing. We would help you out. You would have access to us anytime that you needed. And, you know, we're able to do these documents up, do comparisons for you.\n\nYou know, if you had another a thought process or a concept you wanted, there's someone to basically be able to run through with that. Yes. Of course. Yes. Yep.\n\nYep. Oh, is that Netofees? Yes. Yes. Correct.\n\nYeah. Yeah. Yeah. So you do have insurance with QT for right now. What I what we wanna do is actually replace those because they're you don't have an income protection.\n\nSo in the event that you were not able to work for, you know, due to an injury or illness, we wanna look at getting a a policy in place and then just also rounding out your life and total permanent disability to help cover, you know, cover you in the event that anything were to happen. I'll go over that in a second. It's basically two pages down from where we are. So as you can see, I guess, you know, based on if we were to basically stay in aggressive, like, in this in this risk profile for the entire time, these are the outcomes that you would basically be looking at receiving. Now, obviously, as I said, as we start nearing your retirement, we will start scaling down a little bit just because you will start becoming a little bit more risk adverse.\n\nBut that would happen with your current as well because you would wanna start protecting the the assets that you had grown rather than taking risks, you know, on on the capital that you you have. Cool. Now with respect to the insurance, currently, you have the life and the total payment facility with your q super. So you don't have any income protection as I was saying. Now what we're recommending is that we engage in a new policy for the life, the total parent disability, and the income protection.\n\nAnd the income protection would be at your at your income rate. So it's able to pay up to up to 70% of your income if you were to go on claim. So the whole point of an income protection policy is you're not able to be earning the same amount or better than what you were if you were working. The policy is there to basically be a stopgap between becoming ill and injured, ill or injured, I should say, and being able to return to work. Now if you are unable to return to work, that's where a total permanent disability policy put kicks in, and that becomes a lump sum benefit that's payable to your super fund.\n\nNow because at the moment you are, I guess, a little bit cash strapped, Cedi has recommended that we pay for these through your super fund. Now if in the future or, you know, when in the future, not if, when in the future we, you know, start being able to consolidate down some of those those debts and get everything flowing a little bit better, what we would be able to do is from there, we can pop your income protection policy to be paid personally by you because it becomes a tax deduction. Now, obviously, at the moment, you've got both of the properties that are tax deductible. So it's something that it can be looked at, but it's not something we wanna obviously impact against your cash flow right now. But we do wanna make sure that that policy is in place just on the event that anything happens.\n\nBecause the older we get, unfortunately, things start breaking down a little bit. Trust me. The start running five years ago, and it gets harder every day. Now that policy, we're looking at because it's paid by your superannuation fund, it's 15% cheaper than if you paid for it fully personally. And that's because the super fund basically gives you a rebate.\n\nSo it becomes $1,636.53 for the year, and that gives you 200,000 a life 200, 250,000 a life, 250,000 total claim disability, $9,333 per month of income protection after thirty days. So you have to be off work for thirty days before the claim kicks in, and then the policy pays you at the end of the month. So the first payment would be received basically day 60 of being off work, but the policy pays you for up to five years. Now I we did look at, like, a five year versus a two year benefit period, and it was only a couple of $100 difference in the premium. So being on a five year benefit obviously gives you those extra three years worth of security if you you know, anything were happen.\n\nNow these kinds of policies cover mental health, back injuries, knee injuries, anything and everything that you can think of. You know, cancer diagnosis where, you know, you need to go through treatment and unable to work during that. So it it enables you to not have to force yourself to go back to work just because you are injured and then, obviously, possibly do more damage to you. Cool. So that would basically replace your q that would it would it would replace your q super policy in whole.\n\nCool. Now with the policy, we do underwritten policies. So your q super policy is generally a group policy, and your policy was where your employer or you at the opening of your fund made a disclosure of, obviously, age, gender, living, demographic, and then occupation. Now most super funds will just take a stab at the general occupation and give you a general standard occupation rating unless you make a disclosure otherwise. Now what this policy or what the CAL policy will do, which is the provider we're looking at underwriting with, is they will ask you questions to do with your occupation, your health, and your family history.\n\nThey underwrite the application at time of application rather than underwriting the application at time of claim. It means that the claims process is a lot smoother, which is obviously what we want when it comes time to claim. We don't want the headache of, you know, endless forms and stuff like that. A claim is already generally a a pretty extremely stressful moment to begin with, so we don't wanna add the stress to it. So that's why we underwrite the policies at time of application.\n\nIt means that the insurer knows you as an individual, and they know the level of risk they're taking on when they put the policy in place. Means that the policy is tailored to you rather than to a group of people, which is what you currently have under q super. A group policy is basically where they take individuals within a specific demographic age and gender status, and they all get insured for the same amount of money, and they all pay the same premium. And the insurer basically just says, well, you know, about a percentage of these clients will claim and a percentage of them won't. And based on historical claims processes, that's how the premiums are actually calculated rather than based on you as an individual.\n\nSo with the policy that would, as I said, completely replace the the q super policy. You'd have life insurance in place. It would get paid for from the Hub twenty four fund, and your QSuper fund would be closed once the new policy is in place. So we would do a stepped and staged implementation where we would roll the majority of your funds over to Hub twenty four, get the account started, do your insurance application, get the first premium paid for from your Hub twenty four funds so we know it's in place before we close and cancel your other insurance. Because the second that q super closes, the policy insurance policy closes as well or ceases.\n\nSo we don't wanna ever leave you uninsured. We always wanna make sure that we're protecting you and keeping you safe or, you know, keeping you insured during that transition period. No. Yes. Yes.\n\nHub twenty four are one of the largest super funds in Australia with trillions under investment. Not billions, trillions. So, no, very, very, very, very much not gonna happen. They don't get me wrong. They are new in comparison to, like, your q super.\n\nQ super has obviously been around forever, but Hub twenty four has been around for a good couple of decades now, and they are one of the one of the leading super funds. They are a retail fund. Super funds can't run and take your money. So I'm not a 100% sure what news article you obviously like, you you heard. I'm not trying to undermine it.\n\nBut Superfunds have have charged deceased estates. They charge people that are dead. It's happened. And ASIC have gone after them and made them repay it all. There have been, you know, funds that have overcharged clients, and, again, ASIC have investigated and made them pay it back.\n\nThere have been things that have happened. There are, like, self managed super funds, SMSFs, that have, unfortunately, a little bit less guidance. They are supposed to still act with integrity and under the legislation, but there's a little bit less, I guess, strict ruling over them. Do them wrong. I think do eventually catch up to any of the SMSF funds that aren't acting in line with the legislation, but it's probably not done as well as it should be.\n\nThey do have to they do have they do get audited every year, but it does take time for, you know, Aetna to go through all the audits and eventually catch up and deal with them. I'd have to look into whatever it was, news article. Oh, okay. Yep. I was wondering if you were talking about possibly First Guardian and whoever the other one is.\n\nYes. Shield. They were not super funds. They were assets, so they were an investment, not a fund. Hub twenty four did not put them on platform.\n\nThey were not offered under Hub twenty four. Hub twenty four investigated both of those assets when they became available on market. It's their obligation to do so. It's that it's what it's what they do as a platform, and both of them were too high risk for them to engage on platform. Macquarie, Netwealth, there are a couple other quite large.\n\nMacquarie's a bank orientated and connected provider. They've been around for quite a long time, and they have both had both both of those two funds have both had to engage in remediation to pay and remediate back the funds lost by clients because they let the asset be available on platform. Shield and First Guardian have both been in the news for a couple of years now. Massive, massive screw ups by the super funds. But also the the actual asset managers, it was a Ponzi scheme.\n\nI mean, the short and long of it, it was a Ponzi scheme, unfortunately. OQ Financial have never recommended either of those two assets. The assets that we've recommended and the assets that we do recommend are available on the ASX. They are tried and true. Not gonna say they're blue chip, but they're tried and true assets.\n\nWe don't take risky investments with our clients' money. You know, we're not we don't invest in Bitcoin. While I do have a couple of clients that do personally invest in Bitcoin, I do have clients who I invest in Bitcoin mining companies for. I don't. We don't invest in Bitcoin itself.\n\nIt's too much of a risky stock, and that's not we're not day trading. We're looking to hold long term stock. And whilst granted, there will be tweaks that we do make to the assets that we're recommending, I e changing some of the weightings, maybe swapping one of the stocks out every now and then. You know, markets change. Maybe, you know, India stops performing, and we wanna move a little bit over, you know, to Japan, whatever the case may be.\n\nSo we might move some of the waiting around. We're not looking to make massive swings left and right. We're not looking to basically do a full portfolio sell every three months. That makes no sense for a long term stock or investment. So yeah.\n\nNo. Shield and First Guardian. I'm more than happy. I can send you some information on them. I I did have a client.\n\nThe questions here? Yeah. Absolutely. No. I did have a client that came to me.\n\nHe had Shield assets, so I've been working with him for the last couple of years while Shield was in in liquidation. He actually had First Guardian and Shield while both of them were in liquidation. So I've been very, very much on top of how they've been going. And, look, he didn't make the outlandish money that it was portrayed as having made, but he did not lose anything. He actually got his cost basis back, which was good.\n\nSo cost basis being what he put into the asset, he got back out. He held it for a few years, but so he got nothing out of it, but he didn't lose anything. So he's quite happy. Because, originally, I turned around and told him he'd be lucky if he get got, you know, 30¢ on the dollar. So he was quite happy when we ended up walking away pretty much in net positive or net neutral.\n\nSo yeah. And the if you actually have a look in the news, just, I guess, for peace of mind, any of these any of the advisers that recommended either of those two assets were fully investigated by and have been ceased as advisers. So they are no longer able to give advice to clients for a period of time, and that will always be on that record their record as a disciplinary action. Yeah. Yeah.\n\nLook. There there are some some people that have been over the whole Shield First Guardian that have been lifelong banned, but others have been, yeah, like, anywhere between two and ten years banned. I can tell you now that the ones that ran the ran the Ponzi scheme is definitely not. They were caught, and they're currently being prosecuted. But there are always someone somewhere that has benefited and had their name not on anything, and I'm sure there was someone that got away with something.\n\nBut those with their name listed did not. No. Not connected at all. When when I spoke, yeah, when I spoke to their investment committee, when a lot of it broke, they turned around and said, yeah. They were contacted by ASIC.\n\nThey actually handed over all of their research that they did into the port into the assets or the portfolios, and ASIC basically turned around, clapped them on the back, and said, good job. We basically had the same outcome when we investigated the assets that they were too high of risk. Basically, like, a lot of the assets were in not real. Like, the stock options that were listed were not actually real stock. They were buildings that were going to be built but got shut down multiple times for nothing up to code, couldn't be established, couldn't be built.\n\nIt was an absolute shimmuzzle. There was no tangible assets that that the investors were actually investing in under those. I'm more than happy to send you portfolio reports for every single one of the assets I've recommended so you can see what assets you're investing in. What's you on edge? Yeah.\n\nSuperfund platforms, investors. Like, it it's yeah. All of it. Perhaps q q super 100% could. And the frustrating part is is that there's not a full offering of assets listed.\n\nSo you you can't just jump in and see where every single one of your assets are. Whereas on your Hub 24 platform, it's a lot more transparent. So when you actually open it up, there's an app and all the, you know, technological fun things. But when you open it up, you'll see the eight assets, but you can actually click into them, and it shows each one of the underlying assets that that holds. So it means that, you know, per quarter, you could jump in and have a look, and some of those are gonna change.\n\nThe weighting's gonna change that on you know? Today, you might hold point 3% of West farmers, and then tomorrow, it might be point five type of thing. Yeah. Where is it actually sitting? Yeah.\n\nLike, it is available. You just have to dig for it, and it's not as easily obtainable as you would probably like it to be. It is available. I can send it to you. It's just it's not it's not fun to find.\n\nVery much. Yeah. Which you will get under health 24, which will be good for you. So I have nothing else really to to cover on this. I guess I want you to be able to take like, take it and read it.\n\nThere is a recommendation to be able to like, the first recommendation off the rank was the sale of the PPR, primary residence, because that got you the outcome of being able to consolidate and close out the debt. Now do you wanna hold it? That's okay. Yep. Yep.\n\nYeah. Oh, that's okay. Okay. That's okay. Let me put it this way.\n\nThere's we I can model out each of the two properties because I know based on those addresses, they're pretty close to each other. So I'm more than happy to model out which ones to sell, which one to keep based on, like, the values and the growth potential of each of the properties as well. Because I can I can just look them up online with regards to sales in the area? I can have a look at where they fit. Herring Todd White provides really good statistics with regards to growth potential in each area, whether it's hit the bottom of the market, the top of the market, or whether it's on a growth spiral.\n\nSo whether it tells us, you know, we can probably sell now or whether we still haven't hit that peak for the area like, the sales area to sell in the area. You know what I mean. And we can go from there. The other thing I did notice when I was obviously reviewing your file and looking over everything, you have redraws in both of your investment properties. No.\n\nIt makes a hell of a lot more sense to put all of that money in the offset to your PPR, especially right now when your because your PPR is nontax nontax deductible interest. So the more you can reduce down on the interest from that property, the better off you are. You can continue paying the repayments that you're paying. You pay more off on the capital, and the two investment properties are tax deductible to you. Deductible.\n\nYeah. Yeah. Because if they're positive, it means you're cash flow rich. You have income coming in. They're making money.\n\nAnd we will definitely point. We're not quite there yet. We need to drop some of the debt down and and just get things moving a little bit better. The other thing we can do, just to throw a spanner in the works, is you could refi on the properties. So I can connect you with my broker, and we can refinance the properties and shift the million dollars off your primary residence and shift it over into the investment properties.\n\nBecause that as a whole will mean that you're not paying interest. I have a I have I have a PPR myself, and I have a debt on it. So when I say this, I I say this understanding I have the same position, but a home loan is actually bad debt because it's nontax deductible. So from a accountant's point of view, a home loan is a bad debt. An investment property, great debt.\n\nTax deductible debt. We love tax deductible debt. It can become tax deductible. Yes. Yep.\n\nYou can play yeah. You can play the six year rule. Correct. Yeah. So we don't have to shift the debt.\n\nBut at the moment, until you rent it out, I would shift all the money from the redraw over onto the offset of the primary residence because your interest is calculated daily. So the sooner you have that money sitting in the offset of the PPR, the better off you are. Yeah. Yeah. So if you shift that money over, that's gonna sit a lot better for you from an interest perspective.\n\nIt means that this month's repayment will go off will will take more off the capital than it was interest. So it'll make you feel a little bit better there. And then until you get it rented out, it'll sit a little bit better that way. Once it is rented out, realistically speaking, it's 61 half of the other where you put the money across all three of those, whether you have it in the redraw or we have it in the offset with respect to, you know, how it's all sitting. Yeah.\n\nIs the com is the ComBank loan on your is that your PPR? Your PPR probably is less because it was done as a PPR loan. Investment loans are actually higher. Sorry. Investment loan.\n\nOkay. Well, now that you are across the line, maybe go and refi. Oh, wait. Let me have a quick look. Because you are if we are sitting at 1350 Yeah.\n\nWe're sitting well below 80%, so we're good. I just I didn't want you to go and refinance and then get hit with LMI again or lenders mortgage insurance. Because if you refinance and you're above 80%, you get hit with lenders mortgage insurance again. What you could do is you can go refinance now before you go and invest rent it out, and you can refinance under a principal place of residence loan. So you get the lower interest rate right now, and you can, from there, then go and rent it out afterwards.\n\nObviously, while it's rented, if in the you know, while you do have have it as an investment property, if you go and refinance again, you have to do it under a under an investment loan. But right now, because it is a PPR, you're living in that PPR, it's considered your PPR, you can do it under a mortgage loan, which will take don't don't get me wrong. It's generally points of a percent off, but still, that's points of a percent in your back pocket. That's less interest you're paying on the overall loan. And when you're dealing with a million dollar loan, they're happy days.\n\nAnd if if you are unhappy with your broker or they're a pain, let me know. My broker is absolutely lovely. She has done fantastic job for me personally and for a number of my clients as well. And she can have a look at all three of the properties and and refinance for you. Good.\n\nNo. That that's good. I never wanna take you away from someone you're happy with. I just always wanna check. Yeah.\n\nAbsolutely. Yeah. Yep. Yeah. So you would receive two emails.\n\nOne was because my system was being a pain, so I emailed I got Maddie to email you the statement of advice because I couldn't press send on some of the documents through the the sign system. So you'll have another email that will basically say request the signature that has the statement of advice plus the supplementary documents, your PDFs, applications, everything like that. Don't be surprised it may be in your junk folder. And, yeah, you're able to sign electronically through there. You don't have to sign today.\n\nYou can definitely take your time to read it. It is a lot of documents to go through. Realistically, everything else that's sitting there is a is a supplementary too. The one thing you probably do need to write on with the statement advice is on the sign page, there should there's an option for you to type in the box. You're able to type in the box and just say that you're not currently looking to sell your PPR, that just gives me formal notice that you're not selling that PPR property.\n\nDon't me wrong. It's gonna be my notes following today's conversation anyway, but it's just always good having it in writing from you as well. Okay. Yeah. Balance.\n\nYep. Yep. So that's Not quite. But, yeah, the in that fee table that was back up on page, like, 24 or something, where I where we talked about like, currently, you don't have an adviser under q super, but you will under hub twenty four, and there's that $8,008.08 9. That's the advised fee.\n\nYep. Yep. Mhmm. If you see sales services, that advice they see as well. So it's charged per rider monthly.\n\nSo if you see staff services midway through a, you know, a fee cycle or a fee arrangement, whatever you wanna call it, so partway through the year, then it would just it would drop off at the time that you chose to have it drop off. And you would only have been charged to the pro rata amount at the time that the arrangement ceases. Yeah. Oh, amazing. Well, if there are any more questions that you have, please do feel free to give me a call.\n\nYou can call into the 1300 number and ask myself or, Freddie. Madison's generally the one that answers the phone. She's got lightning hands on that phone. So nine times out of 10, you will probably speak to her. And then from there, yeah, just you can come through to me, and I'll be able to have a chat with you.\n\nIf it's you know, if you have any questions, qualms, concerns, you wanna have a chat about the properties, you just want someone to bounce ideas off, please feel free to give me a call. It's a, one of my favorite things to do, spitball ideas on on debts and how to how to deal with it. And sometimes just having that one person to to throw ideas around kind of helps clarify things within yourself as well. Oh, absolutely. I look forward to hearing from you.\n\nYou too, Mark. Bye.","paragraphs":[{"sentences":[{"text":"Do I have you there, Mark?","start":12.4,"end":13.7,"sentiment":"neutral","sentiment_score":0.005445244101186593},{"text":"Hi.","start":15.785,"end":16.185,"sentiment":"neutral","sentiment_score":0.12325695157051086},{"text":"Larissa from Oakview Financial.","start":16.185,"end":17.805,"sentiment":"neutral","sentiment_score":0.1908193677663803},{"text":"How are you going?","start":17.865,"end":18.765,"sentiment":"neutral","sentiment_score":0.22072720155119896},{"text":"That's good.","start":20.904999,"end":21.805,"sentiment":"positive","sentiment_score":0.5601993799209595}],"sentiment":"neutral","sentiment_score":0.1719125560758745,"num_words":17,"start":12.4,"end":21.805},{"sentences":[{"text":"So have you on a good line, or does it seem to chop in and out, or is it just me?","start":23.705,"end":27.564999,"sentiment":"neutral","sentiment_score":0.11218419493663878},{"text":"No.","start":39.170002,"end":39.33,"sentiment":"neutral","sentiment_score":-0.0355057418346405},{"text":"I wouldn't have thought that there would be a bad line at all.","start":39.33,"end":41.57,"sentiment":"neutral","sentiment_score":-0.09915785061625335},{"text":"But, anyway, let me know if it drops out at all.","start":41.57,"end":43.57,"sentiment":"neutral","sentiment_score":-0.009386432611129501},{"text":"It could just could just be me.","start":43.57,"end":46.095,"sentiment":"neutral","sentiment_score":-0.01686658976333482}],"sentiment":"neutral","sentiment_score":0.015282894467126648,"num_words":53,"start":23.705,"end":46.095},{"sentences":[{"text":"But how are you going this morning?","start":47.115,"end":48.735,"sentiment":"neutral","sentiment_score":0.09524555557540484},{"text":"Oh, I love that.","start":55.195,"end":56.095,"sentiment":"positive","sentiment_score":0.7472257912158966},{"text":"That's perfect.","start":57.63,"end":58.59,"sentiment":"positive","sentiment_score":0.8409183919429779},{"text":"We love a good easy day.","start":58.59,"end":60.13,"sentiment":"positive","sentiment_score":0.7784552176793417},{"text":"Nothing wrong with that.","start":61.39,"end":62.77,"sentiment":"neutral","sentiment_score":0.24641292169690132}],"sentiment":"positive","sentiment_score":0.47799312307134917,"num_words":23,"start":47.115,"end":62.77},{"sentences":[{"text":"Oh, I wish it was an easy day so far.","start":63.629997,"end":67.869995,"sentiment":"positive","sentiment_score":0.45720312297344207},{"text":"No.","start":67.869995,"end":68.11,"sentiment":"neutral","sentiment_score":0.15687574446201324},{"text":"It's it's been actually pretty okay.","start":68.11,"end":69.81,"sentiment":"positive","sentiment_score":0.43645639220873517},{"text":"Had a coffee, had breakfast, went for a run this morning.","start":70.03,"end":73.01,"sentiment":"positive","sentiment_score":0.46598572622645984},{"text":"Can't complain.","start":73.355,"end":74.255005,"sentiment":"positive","sentiment_score":0.4282480478286743}],"sentiment":"positive","sentiment_score":0.4443328137199084,"num_words":30,"start":63.629997,"end":74.255005},{"sentences":[{"text":"Yeah.","start":79.515,"end":79.915,"sentiment":"neutral","sentiment_score":0.2738744616508484},{"text":"Very much.","start":79.915,"end":80.735,"sentiment":"positive","sentiment_score":0.35103973746299744},{"text":"Got it.","start":81.035,"end":81.695,"sentiment":"neutral","sentiment_score":0.13780223950743675},{"text":"Got three kids underfoot, so can't can't slack off, unfortunately.","start":81.995,"end":85.455,"sentiment":"neutral","sentiment_score":-0.08912756890058518},{"text":"Now the reason for my call today so my name is Larissa.","start":89.44,"end":92.48,"sentiment":"neutral","sentiment_score":0.05026027715454499}],"sentiment":"neutral","sentiment_score":0.03568170564594092,"num_words":27,"start":79.515,"end":92.48},{"sentences":[{"text":"I'm the head of financial advice at Oakview.","start":92.48,"end":94.82,"sentiment":"neutral","sentiment_score":0.08559253253042698},{"text":"And what I was calling for was to go through and present the statement of advice that we put together.","start":95.520004,"end":100.82,"sentiment":"neutral","sentiment_score":0.07143833562731743},{"text":"So I've pressed send on, like, the documents to come forward come to you, but they are quite large.","start":104.215004,"end":113.975006,"sentiment":"neutral","sentiment_score":-0.004280854016542435},{"text":"So don't be surprised that they take a little bit to come through via email.","start":113.975006,"end":117.275,"sentiment":"neutral","sentiment_score":-0.02556117412944635},{"text":"But, ultimately, what those documents do entail, and the the biggest document of them all is what's called the statement of advice, and that's what I'm going to to sort of go through and explain with you.","start":119.87,"end":131.955,"sentiment":"neutral","sentiment_score":0.09692259651382228}],"sentiment":"neutral","sentiment_score":0.052877668742880676,"num_words":99,"start":92.48,"end":131.955},{"sentences":[{"text":"So the statement of advice details the actual recommendations that we've put together through all the research and based on the goals that you had outlined.","start":132.27501,"end":142.455,"sentiment":"neutral","sentiment_score":0.16781082606086364},{"text":"Now you had a number of goals that you were, I guess, aiming towards achieving, and sort of one of those was, you know, you were sort of look at your superannuation and and try and make sure that you you could, I guess, re review the investment options that were available within it.","start":145.73,"end":163.155,"sentiment":"neutral","sentiment_score":0.14013770671078452},{"text":"Have a look at the insurance to make sure that your insurance policy was adequately covering the debt that you had.","start":163.695,"end":172.27501,"sentiment":"neutral","sentiment_score":0.07223133778288252},{"text":"Additionally, have a look at the debt management around your property as well.","start":176.69,"end":183.83,"sentiment":"neutral","sentiment_score":0.0605191932274745},{"text":"So you wanted to I guess, at the moment at little bit overwhelmed with the the amount of debt that's there, and you're wanting to sort of get a little more of a a handle on on that that property and and make sure that we're we're getting everything covered there.","start":184.85,"end":201.035,"sentiment":"neutral","sentiment_score":-0.09196509771487292}],"sentiment":"neutral","sentiment_score":0.05784185007214546,"num_words":165,"start":132.27501,"end":201.035},{"sentences":[{"text":"So aside from that, we did have that you you have you have a goal with with regards to the property that we will look at a little bit later.","start":207.44,"end":219.285,"sentiment":"neutral","sentiment_score":0.10602613228062789},{"text":"So looking at sort of, I guess, the sale of of your property, potentially something within a few years' time.","start":219.285,"end":227.225,"sentiment":"neutral","sentiment_score":0.056038332358002665},{"text":"So at the moment, that's obviously scoped out because it doesn't sort of fall within a time frame that we're able to to scope that into, but it's something that we're able to work towards looking at a little bit later.","start":228.0,"end":239.3,"sentiment":"neutral","sentiment_score":0.06849994428637551},{"text":"Okay.","start":259.47,"end":259.97,"sentiment":"neutral","sentiment_score":0.012575335800647736},{"text":"So what are you what are you I guess, what what did you rethink with regards to the property?","start":260.11002,"end":264.93,"sentiment":"neutral","sentiment_score":0.01441081279986783}],"sentiment":"neutral","sentiment_score":0.06663449648935516,"num_words":111,"start":207.44,"end":264.93},{"sentences":[{"text":"Yeah.","start":277.025,"end":277.525,"sentiment":"neutral","sentiment_score":0.16151383519172668},{"text":"Yeah.","start":287.81998,"end":288.13998,"sentiment":"neutral","sentiment_score":0.26660704612731934},{"text":"Absolutely.","start":288.13998,"end":288.63998,"sentiment":"positive","sentiment_score":0.3483887314796448},{"text":"Yeah.","start":289.81998,"end":290.31998,"sentiment":"positive","sentiment_score":0.37656229734420776},{"text":"Definitely possible.","start":290.46,"end":291.41998,"sentiment":"positive","sentiment_score":0.47024019062519073}],"sentiment":"positive","sentiment_score":0.34892538189888,"num_words":6,"start":277.025,"end":291.41998},{"sentences":[{"text":"Do you know have you, I guess, made any inquiries about what you could get rental wise from the property?","start":291.41998,"end":296.615,"sentiment":"neutral","sentiment_score":0.12216798067092896},{"text":"Yep.","start":306.61,"end":307.11,"sentiment":"neutral","sentiment_score":0.14449547231197357},{"text":"Okay.","start":313.40997,"end":313.90997,"sentiment":"neutral","sentiment_score":0.018909042701125145},{"text":"No.","start":314.84998,"end":315.16998,"sentiment":"neutral","sentiment_score":-0.02750763483345509},{"text":"That's absolutely okay.","start":315.16998,"end":316.53,"sentiment":"positive","sentiment_score":0.731656551361084}],"sentiment":"neutral","sentiment_score":0.18362408260313365,"num_words":26,"start":291.41998,"end":316.53},{"sentences":[{"text":"Alright.","start":316.53,"end":316.93,"sentiment":"positive","sentiment_score":0.5126429200172424},{"text":"So that's that's something that, I guess, within your family is is they're able to support you with that.","start":316.93,"end":324.165,"sentiment":"positive","sentiment_score":0.5613512365441573},{"text":"And I know you work FIFO, so you're only there for a short period of time when you're obviously off swing.","start":324.165,"end":330.265,"sentiment":"neutral","sentiment_score":0.0839906224892253},{"text":"So that's yeah.","start":333.03,"end":333.99,"sentiment":"neutral","sentiment_score":0.1526577373345693},{"text":"Okay.","start":333.99,"end":334.49,"sentiment":"neutral","sentiment_score":0.12260579317808153}],"sentiment":"neutral","sentiment_score":0.30050441092915003,"num_words":45,"start":316.53,"end":334.49},{"sentences":[{"text":"And have has the real estate given you an indication as to what you're going to get in rental income or not quite yet?","start":335.11,"end":343.29,"sentiment":"neutral","sentiment_score":0.0783819817006588},{"text":"Yep.","start":362.34,"end":362.84,"sentiment":"neutral","sentiment_score":0.08433103561401367},{"text":"Principal Place of Residence, PPO.","start":362.97998,"end":364.59998,"sentiment":"neutral","sentiment_score":0.07463511824607849},{"text":"Yeah.","start":379.715,"end":380.115,"sentiment":"neutral","sentiment_score":0.10922084748744965},{"text":"Absolutely.","start":380.115,"end":380.615,"sentiment":"neutral","sentiment_score":0.16012951731681824}],"sentiment":"neutral","sentiment_score":0.08150076726451516,"num_words":32,"start":335.11,"end":380.615},{"sentences":[{"text":"So you you're you're thinking you might just rent out the PPR and then look at selling Southport?","start":381.88998,"end":389.34998,"sentiment":"neutral","sentiment_score":0.04701500437739822},{"text":"Yeah.","start":398.705,"end":399.025,"sentiment":"neutral","sentiment_score":0.05539299175143242},{"text":"You wanna you wanna create a little bit more liquidity for yourself.","start":399.025,"end":402.565,"sentiment":"neutral","sentiment_score":0.0836699406305949},{"text":"Yeah.","start":404.305,"end":404.625,"sentiment":"neutral","sentiment_score":0.14339756965637207},{"text":"Absolutely.","start":404.625,"end":405.125,"sentiment":"neutral","sentiment_score":0.15267027914524078}],"sentiment":"neutral","sentiment_score":0.06672030930040461,"num_words":33,"start":381.88998,"end":405.125},{"sentences":[{"text":"No.","start":405.345,"end":405.505,"sentiment":"neutral","sentiment_score":0.0037442483007907863},{"text":"That's that's fine.","start":405.505,"end":406.725,"sentiment":"neutral","sentiment_score":0.10911318163077037},{"text":"Alright.","start":406.97,"end":407.29,"sentiment":"neutral","sentiment_score":0.1816028356552124},{"text":"Well, let's go through it, and we can kind of talk about a few of the points we put together anyway because they could give you a little bit of a, I guess, thought process to think about on how things can sort of flow.","start":407.29,"end":422.315,"sentiment":"neutral","sentiment_score":0.18802940415011513},{"text":"And, you know, based on what you're saying now, we can always update and make changes to to how we wanna, I guess, progress.","start":423.095,"end":428.95502,"sentiment":"neutral","sentiment_score":0.19841313362121582}],"sentiment":"neutral","sentiment_score":0.18562060841233344,"num_words":74,"start":405.345,"end":428.95502},{"sentences":[{"text":"So with with yourself, I've got you on, like, a $160,000 a year.","start":431.655,"end":438.91,"sentiment":"neutral","sentiment_score":0.12109497762643374},{"text":"You're, you know, full time employed and and and, again, like I said, you're FIFO work.","start":438.97,"end":445.15002,"sentiment":"neutral","sentiment_score":0.0899046715348959},{"text":"With regards to assets, I have the PPR, and then I have the two investment property on Mull And Lind Avenues.","start":446.505,"end":457.64502,"sentiment":"neutral","sentiment_score":0.07197877179299082},{"text":"Mull is worth about 1 mill.","start":459.46503,"end":461.545,"sentiment":"neutral","sentiment_score":0.10651541377107303},{"text":"It's got 370,000 owing and lend about 900,000 and 300,000 owing with your PPR at 1.35 with about a million owing on it.","start":461.545,"end":474.9,"sentiment":"neutral","sentiment_score":0.0791999233238723}],"sentiment":"neutral","sentiment_score":0.0884171440560795,"num_words":79,"start":431.655,"end":474.9},{"sentences":[{"text":"Now I know that you you also have, like, redraw facilities on both Mault and Linde at the moment and a bit of an offset account sitting on your primary residence.","start":477.845,"end":486.405,"sentiment":"neutral","sentiment_score":0.22228223133471706},{"text":"So you set things up really nicely on that front having that that extra little bit of cash.","start":486.405,"end":491.91,"sentiment":"positive","sentiment_score":0.5931288682752185},{"text":"Now with your superannuation and and the form of your assets, you currently have about 516,000 within your q super account, and you also have an addition an insurance policy within that account.","start":492.87,"end":507.345,"sentiment":"neutral","sentiment_score":0.2267824402361205},{"text":"So you have a life and a total and permanent disability policy in that, which currently services a $179,000 in the event that you would have passed away or be totally disabled.","start":507.345,"end":520.565,"sentiment":"neutral","sentiment_score":0.19731246563605964},{"text":"So you have that cover within that fund.","start":521.025,"end":524.25,"sentiment":"neutral","sentiment_score":0.23509665578603745}],"sentiment":"neutral","sentiment_score":0.27250542192429794,"num_words":122,"start":477.845,"end":524.25},{"sentences":[{"text":"Now with regards to any investments, what we do and and and what you went through with, Sebi, the director, is you went through and completed what's called a risk profile.","start":525.75,"end":535.645,"sentiment":"neutral","sentiment_score":0.04618408374728695},{"text":"Now that risk profile gives us an indication only as to how suited you are, with regards to investments.","start":535.645,"end":542.465,"sentiment":"neutral","sentiment_score":0.008700960756916749},{"text":"So, basically, what your tolerance is to any kind of market, risks.","start":542.525,"end":548.465,"sentiment":"neutral","sentiment_score":-0.08530022638539474},{"text":"Okay?","start":548.525,"end":549.025,"sentiment":"neutral","sentiment_score":0.02965003252029419},{"text":"Now you came out as as a high growth.","start":550.77997,"end":553.1,"sentiment":"neutral","sentiment_score":0.13551383217175803}],"sentiment":"neutral","sentiment_score":0.025315231333176296,"num_words":72,"start":525.75,"end":553.1},{"sentences":[{"text":"So it means that you're willing to take on, you know, volatile markets.","start":553.1,"end":556.54,"sentiment":"neutral","sentiment_score":0.05315297784713598},{"text":"You still got quite an extensive time before you're looking to access any of the capital of the investment.","start":556.54,"end":561.2,"sentiment":"neutral","sentiment_score":-0.007858049320547204},{"text":"You know, you're not looking to to take off you know, you're not looking to throw it all on red type of thing at the at the roulette tables.","start":562.06,"end":571.175,"sentiment":"neutral","sentiment_score":-0.14039510193056073},{"text":"It's it's purely and simply that you are calculated in how you wanna invest, but you're willing to let it ride a little bit more than, you know, be conservative per se.","start":571.475,"end":582.055,"sentiment":"neutral","sentiment_score":0.13881730823777616},{"text":"Now, ultimately, what we've actually recommended, because you have such a time frame to be able to invest, is to pop you up into what's called an aggressive investment profile.","start":583.35004,"end":594.81,"sentiment":"neutral","sentiment_score":0.17551836147904396}],"sentiment":"neutral","sentiment_score":0.050227093714766385,"num_words":123,"start":553.1,"end":594.81},{"sentences":[{"text":"Now the difference between a high growth and an aggressive is really where the assets actually lie.","start":595.19,"end":601.105,"sentiment":"neutral","sentiment_score":0.09339051255408455},{"text":"So with any kind of risk profile, what that actually denotes is where the assets sit, whether they sit within a growth sector or whether they sit within defensive sector.","start":601.485,"end":614.4,"sentiment":"neutral","sentiment_score":0.04702799688869466},{"text":"Now from that, that percentage or weighting between those two allocations outlines what the what the risk profile is.","start":614.77997,"end":628.175,"sentiment":"neutral","sentiment_score":0.041192765690778434},{"text":"So an aggressive risk profile basically means that a 100% of the assets that are able to be invested are in growth assets.","start":628.235,"end":635.055,"sentiment":"neutral","sentiment_score":0.059231814806875976},{"text":"So they're not sitting in cash or fixed interest or bonds or anything like that, are your defensive assets.","start":635.195,"end":640.61005,"sentiment":"neutral","sentiment_score":-0.018814288079738617}],"sentiment":"neutral","sentiment_score":0.04431482810414983,"num_words":108,"start":595.19,"end":640.61005},{"sentences":[{"text":"A high growth risk profile basically has about 10% roughly sitting in a defensive asset pool, whereas your aggressive aggressive, as I said, with a 100.","start":641.71,"end":650.53,"sentiment":"neutral","sentiment_score":0.04974505935723965},{"text":"Now because you are sub 50, you've got quite a while before we're able to touch the the superannuation investment, and you have been able to establish establish yourself quite well with external investments, we wanna be able to take that that role and keep going.","start":650.91003,"end":672.02,"sentiment":"positive","sentiment_score":0.4121004963374656},{"text":"We don't wanna slow down.","start":672.56,"end":673.84,"sentiment":"neutral","sentiment_score":-0.05860876590013504},{"text":"We don't wanna, you know, ease up at the moment.","start":673.84,"end":677.38,"sentiment":"neutral","sentiment_score":-0.07710137721151114},{"text":"We wanna be able to keep going with that that investment.","start":677.60004,"end":680.42,"sentiment":"positive","sentiment_score":0.3413878868926655}],"sentiment":"neutral","sentiment_score":0.23409391356137943,"num_words":98,"start":641.71,"end":680.42},{"sentences":[{"text":"Now, obviously, an aggressive investment is not not something that you would invest in long term.","start":681.065,"end":686.525,"sentiment":"neutral","sentiment_score":0.06168001610785723},{"text":"It is something that you invest in for a shorter period of time.","start":686.665,"end":691.085,"sentiment":"neutral","sentiment_score":0.14676376088307455},{"text":"You then start taking steps to become more defensive as you getting older, as we start reaching towards our time frame to to, you know, cease investing or slow down investing, so to speak.","start":691.46497,"end":704.72003,"sentiment":"neutral","sentiment_score":0.0673178048694835},{"text":"Now, realistically, unless specifically with your superannuation, unless you were aiming to withdraw the entire balance at retirement or, you know, at age 60, whatever the age is, you're still gonna remain invested while you're retired and drawing down an income stream.","start":705.9,"end":721.865,"sentiment":"neutral","sentiment_score":-0.04789990166734372},{"text":"So it's just a matter of making sure that you are calculating the steps as we near towards retirement.","start":722.23,"end":728.57,"sentiment":"neutral","sentiment_score":0.18582563337526822}],"sentiment":"neutral","sentiment_score":0.054052465152175676,"num_words":124,"start":681.065,"end":728.57},{"sentences":[{"text":"Make sure that we do start easing off and start, you know, making sure that we're we're actually hitting our retirement goal, our income need, and not losing out on that.","start":729.03,"end":741.035,"sentiment":"neutral","sentiment_score":0.3135418988043262},{"text":"Does that make sense?","start":741.035,"end":742.015,"sentiment":"neutral","sentiment_score":0.22661924362182617},{"text":"Yeah.","start":743.275,"end":743.595,"sentiment":"positive","sentiment_score":0.42680883407592773},{"text":"Cool.","start":743.595,"end":744.095,"sentiment":"positive","sentiment_score":0.4946378171443939},{"text":"Now with respect to the strategies, there are a few of them.","start":744.635,"end":750.00995,"sentiment":"neutral","sentiment_score":0.10727677680552006}],"sentiment":"neutral","sentiment_score":0.26193966959812204,"num_words":49,"start":729.03,"end":750.00995},{"sentences":[{"text":"But, realistically, one of the biggest ones did center around selling your primary place of residence.","start":750.00995,"end":757.38995,"sentiment":"neutral","sentiment_score":-0.01648526405915618},{"text":"Because at the time that you spoke with Sevi, that was something that you had discussed as something you were willing to do to be able to become debt free and go from there.","start":758.25,"end":770.635,"sentiment":"neutral","sentiment_score":0.00917203729862676},{"text":"Now the statement of advice does very much center around selling that PPR, the 1,300,000, you know, closing out the debts and and being able to go from there.","start":770.855,"end":782.27997,"sentiment":"neutral","sentiment_score":0.11266388474353428},{"text":"That's obviously not something that you're wanting to do anymore.","start":783.77997,"end":787.8,"sentiment":"negative","sentiment_score":-0.40427041947841647},{"text":"But as you said was or wasn't willing.","start":788.66,"end":801.805,"sentiment":"neutral","sentiment_score":-0.13563859090209007}],"sentiment":"neutral","sentiment_score":-0.018685311559088452,"num_words":97,"start":750.00995,"end":801.805},{"sentences":[{"text":"Yeah.","start":802.105,"end":802.605,"sentiment":"neutral","sentiment_score":0.0026453621685504913},{"text":"Yeah.","start":811.33,"end":811.83,"sentiment":"neutral","sentiment_score":-0.08467026054859161},{"text":"No.","start":812.05005,"end":812.29004,"sentiment":"neutral","sentiment_score":-0.2289997041225433},{"text":"Just out.","start":812.29004,"end":812.85004,"sentiment":"neutral","sentiment_score":-0.14461537450551987},{"text":"No.","start":812.85004,"end":813.35004,"sentiment":"neutral","sentiment_score":-0.2535007894039154}],"sentiment":"neutral","sentiment_score":-0.14229269015292326,"num_words":6,"start":802.105,"end":813.35004},{"sentences":[{"text":"No.","start":816.545,"end":817.045,"sentiment":"neutral","sentiment_score":-0.15656454861164093},{"text":"The best strategy.","start":818.785,"end":819.76495,"sentiment":"neutral","sentiment_score":-0.05398093909025192},{"text":"Yeah.","start":825.425,"end":825.665,"sentiment":"neutral","sentiment_score":0.0835193395614624},{"text":"And that's that's where he came up with the selling of the PPR versus selling either of the two other properties.","start":825.665,"end":831.52997,"sentiment":"neutral","sentiment_score":0.04034528278169178},{"text":"So, normally, like so if a if a client comes to us and and was was to say, hey.","start":831.83,"end":836.71,"sentiment":"neutral","sentiment_score":-0.0002744643899955247}],"sentiment":"neutral","sentiment_score":0.01348995752632618,"num_words":45,"start":816.545,"end":836.71},{"sentences":[{"text":"I wanna look at these scenarios.","start":836.71,"end":838.81,"sentiment":"neutral","sentiment_score":0.028114523117740948},{"text":"I am willing to do any of these things.","start":839.51,"end":841.51,"sentiment":"neutral","sentiment_score":-0.07828133801619212},{"text":"I am not willing to do this.","start":841.51,"end":843.165,"sentiment":"negative","sentiment_score":-0.5801666719572884},{"text":"So some people come to us and they're like, hey.","start":843.32495,"end":844.76495,"sentiment":"neutral","sentiment_score":-0.15396859496831894},{"text":"We have five properties.","start":844.76495,"end":845.82495,"sentiment":"neutral","sentiment_score":-0.0496783135458827}],"sentiment":"neutral","sentiment_score":-0.17598363363908398,"num_words":36,"start":836.71,"end":845.82495},{"sentences":[{"text":"We you know, we're we wanna consolidate a little bit.","start":846.445,"end":849.005,"sentiment":"neutral","sentiment_score":0.034758195653557776},{"text":"We wanna, you know, diversify our assets.","start":849.005,"end":850.925,"sentiment":"neutral","sentiment_score":0.08167416389499392},{"text":"We have too many properties, whatever the case may be.","start":850.925,"end":853.505,"sentiment":"neutral","sentiment_score":-0.07576301395893097},{"text":"We don't wanna sell this specific property.","start":854.365,"end":856.70496,"sentiment":"neutral","sentiment_score":-0.2505447907107217},{"text":"You know, we've been in it for fifty years.","start":857.03,"end":858.79004,"sentiment":"neutral","sentiment_score":-0.04049834650423792}],"sentiment":"neutral","sentiment_score":-0.04550296951865041,"num_words":43,"start":846.445,"end":858.79004},{"sentences":[{"text":"We're never gonna sell it.","start":858.79004,"end":860.17,"sentiment":"neutral","sentiment_score":-0.2227487176656723},{"text":"We would obviously not include that in any of the modeling or anything like that.","start":860.23004,"end":863.59,"sentiment":"neutral","sentiment_score":-0.17515513002872468},{"text":"However, you had said you were willing to kind of let go of any of the properties.","start":863.59,"end":867.27,"sentiment":"neutral","sentiment_score":-0.0807851872899953},{"text":"There was no holes barred, I guess, for lack of a better phrase.","start":867.27,"end":870.89,"sentiment":"neutral","sentiment_score":-0.16828952156580412},{"text":"And, you know, there was no specific, I guess, attachment to the primary residence, and you were happy to let it go if it was more suitable than either the other two.","start":872.195,"end":882.295,"sentiment":"neutral","sentiment_score":0.027571071637794375}],"sentiment":"neutral","sentiment_score":-0.07829156354433153,"num_words":82,"start":858.79004,"end":882.295},{"sentences":[{"text":"When we modeled it up and had a look at everything, selling the PPR worked out better for you in terms of debt consolidation because it had a there's no capital gains attached to it as a as a property sale, and it was able to wipe out the debts for you pretty well, which gave you, you know, that that goal of being able to to get rid of the debts and and just have that little bit more peace of mind.","start":882.675,"end":910.895,"sentiment":"positive","sentiment_score":0.5512418100632817},{"text":"Now, obviously, if you're wanting to proceed in more of, like, a you I guess, you've had a an opportunity open where you can move in with mom and or parents, and you're able to rent it out, I can model up what that looks like from a from a cash flow basis with regards to, you know, your rental income plus reasonable costs that you need to keep aside from a, you know, ongoing maintenance perspective, your agents fees or, you know, real estate fees, and, you know, rates and water connections and all the rest of it that you would be obligated to pay to show you what, I guess, your shortage is.","start":913.45996,"end":959.325,"sentiment":"neutral","sentiment_score":0.17211165094505185},{"text":"Yes.","start":959.325,"end":959.565,"sentiment":"neutral","sentiment_score":0.05578421801328659},{"text":"That that's what I'm what what your shortage is with respect to that.","start":959.565,"end":962.55,"sentiment":"neutral","sentiment_score":-0.005932780699088022}],"sentiment":"neutral","sentiment_score":0.30907815171159664,"num_words":212,"start":882.675,"end":962.55},{"sentences":[{"text":"Okay.","start":966.63,"end":967.13,"sentiment":"neutral","sentiment_score":0.05685415118932724},{"text":"Yeah.","start":984.88495,"end":985.38495,"sentiment":"neutral","sentiment_score":0.07345524430274963},{"text":"Which is what you were looking to do.","start":985.845,"end":987.625,"sentiment":"neutral","sentiment_score":0.09562673233449459},{"text":"Yeah.","start":999.29,"end":999.79,"sentiment":"neutral","sentiment_score":0.0005388259887695312},{"text":"Yeah.","start":1009.725,"end":1010.205,"sentiment":"neutral","sentiment_score":0.05067003145813942}],"sentiment":"neutral","sentiment_score":0.07887767596791188,"num_words":12,"start":966.63,"end":1010.205},{"sentences":[{"text":"Absolutely.","start":1010.205,"end":1010.705,"sentiment":"neutral","sentiment_score":0.16412752866744995},{"text":"You should definitely have an email of the statement of advice with you.","start":1011.165,"end":1014.445,"sentiment":"neutral","sentiment_score":0.14278947848540086},{"text":"I would hope it would be with you by now.","start":1014.445,"end":1016.225,"sentiment":"neutral","sentiment_score":0.13081780299544335},{"text":"But if you pop down to page 17, it outlines the the recommendation for the superannuation.","start":1018.41,"end":1026.11,"sentiment":"neutral","sentiment_score":0.04048811667598784},{"text":"So you're with QSuper at the moment.","start":1027.29,"end":1028.89,"sentiment":"neutral","sentiment_score":-0.037984419614076614}],"sentiment":"neutral","sentiment_score":0.07894654698828434,"num_words":47,"start":1010.205,"end":1028.89},{"sentences":[{"text":"QSuper has a very limited investment scope.","start":1028.89,"end":1032.365,"sentiment":"neutral","sentiment_score":-0.17038315960339137},{"text":"So they have premix investment options that don't allow you to diversify fully within the platform.","start":1032.5851,"end":1040.685,"sentiment":"neutral","sentiment_score":-0.09710559505037963},{"text":"So what Citi's recommended is the establishment of a hub twenty four super fund.","start":1041.305,"end":1046.37,"sentiment":"neutral","sentiment_score":0.05077321055744376},{"text":"Now we deal with many, many, many different platforms.","start":1046.69,"end":1049.43,"sentiment":"neutral","sentiment_score":-0.0048670827721556025},{"text":"So Hub twenty four has been recommended because it's suitable for you, not because we're working with one platform over another.","start":1049.57,"end":1058.23,"sentiment":"positive","sentiment_score":0.4332752327124278}],"sentiment":"neutral","sentiment_score":0.10476760375799972,"num_words":67,"start":1028.89,"end":1058.23},{"sentences":[{"text":"And then he's recommended that we establish a investment portfolio that gives you a bit more diversity.","start":1059.3949,"end":1069.735,"sentiment":"positive","sentiment_score":0.4001019860015196},{"text":"So the investments that he's recommended are listed in the document on page 21, but it's, you know, like, a cybersecurity's asset.","start":1070.195,"end":1080.9099,"sentiment":"neutral","sentiment_score":0.21365944363854147},{"text":"He's recommended a health care asset.","start":1081.85,"end":1084.1699,"sentiment":"neutral","sentiment_score":0.1328592747449875},{"text":"So each of these assets are what's called ETF or exchange trade funds.","start":1084.1699,"end":1088.75,"sentiment":"neutral","sentiment_score":0.13019065788159004},{"text":"So they individually you know, it looks like you're basically holding eight eight different holdings.","start":1089.095,"end":1095.015,"sentiment":"neutral","sentiment_score":0.14509726812442145}],"sentiment":"neutral","sentiment_score":0.221484037600968,"num_words":73,"start":1059.3949,"end":1095.015},{"sentences":[{"text":"But underneath the underlying assets, there's anything between 20 to a 100 individual companies, stocks, and shares inbuilt into each of those different assets there.","start":1095.015,"end":1108.15,"sentiment":"neutral","sentiment_score":0.1926690536737442},{"text":"So it gives you a lot more diversity across what you're investing in, and it gives you a a bit more security with everything as well.","start":1108.29,"end":1117.4299,"sentiment":"positive","sentiment_score":0.5278000063621081},{"text":"So you're currently in a full international shares hedged investment, so you are very, very aggressive already.","start":1117.57,"end":1127.735,"sentiment":"neutral","sentiment_score":0.234097800710622},{"text":"This gives you a little bit more diversity to that investment without currently, like, all of your your your stocks are hedged in one asset.","start":1128.515,"end":1139.1599,"sentiment":"neutral","sentiment_score":0.1742477822303772},{"text":"You're international only.","start":1139.62,"end":1140.9199,"sentiment":"neutral","sentiment_score":0.03467909246683121}],"sentiment":"neutral","sentiment_score":0.2810356349218637,"num_words":96,"start":1095.015,"end":1140.9199},{"sentences":[{"text":"You haven't been able to pick and select where you're able to invest, so it takes away some of the, I guess, control from you because Screw Super only has very limited assets, which you would know because you've very much gone and selected this asset.","start":1141.38,"end":1156.235,"sentiment":"neutral","sentiment_score":-0.07777624820237575},{"text":"This asset is not something that is generally preselected for an individual.","start":1156.235,"end":1160.895,"sentiment":"neutral","sentiment_score":0.021314020734280348},{"text":"So the different stocks that have been or the ETFs that have been selected give you a bit more of a diversity across the market and allow you to have a little bit more little bit more control.","start":1162.19,"end":1173.47,"sentiment":"neutral","sentiment_score":0.2499554247448319},{"text":"So, like, you have a a Nasdaq investment.","start":1173.47,"end":1175.8099,"sentiment":"neutral","sentiment_score":0.15688631869852543},{"text":"You have a tech investment, which you know, the tech investment, a little bit more volatile on the market, but does have really good returns.","start":1175.87,"end":1183.7849,"sentiment":"neutral","sentiment_score":0.20967645108699798}],"sentiment":"neutral","sentiment_score":0.09824316898115383,"num_words":129,"start":1141.38,"end":1183.7849},{"sentences":[{"text":"Each of these stocks are what's called investment grade or above.","start":1184.725,"end":1188.505,"sentiment":"neutral","sentiment_score":0.1860369477759708},{"text":"So we don't invest in really high risk assets that, you know, have not to, I guess, insult your intelligence, but can I ask how much of investing do you actually know?","start":1188.725,"end":1201.5599,"sentiment":"neutral","sentiment_score":-0.06658031072583981},{"text":"So if I was to say alpha and beta, do you understand what those terminologies mean with investments?","start":1201.5599,"end":1205.8999,"sentiment":"neutral","sentiment_score":-0.02862988132983446},{"text":"No.","start":1208.475,"end":1208.715,"sentiment":"neutral","sentiment_score":-0.2626190185546875},{"text":"That's okay.","start":1208.715,"end":1214.1749,"sentiment":"neutral","sentiment_score":-0.2224455215036869}],"sentiment":"neutral","sentiment_score":-0.020422053799848072,"num_words":64,"start":1184.725,"end":1214.1749},{"sentences":[{"text":"That that's okay.","start":1214.315,"end":1215.375,"sentiment":"neutral","sentiment_score":0.028574053198099136},{"text":"So let's just say take hack, for example.","start":1215.5149,"end":1219.0499,"sentiment":"neutral","sentiment_score":0.0508158509619534},{"text":"So Hack is the is the the API or the tracker code that when you're investing, each each asset that you have to buy has its own tracker code so you know what you're investing in.","start":1219.0499,"end":1230.555,"sentiment":"neutral","sentiment_score":0.07914251399536927},{"text":"So Hack is basically the beta shares.","start":1231.515,"end":1233.915,"sentiment":"neutral","sentiment_score":0.09755776077508926},{"text":"Beta shares is the investment manager, and cybersecurity is, you know, basically what is in under the fund.","start":1233.915,"end":1241.4551,"sentiment":"neutral","sentiment_score":0.09572087683611447}],"sentiment":"neutral","sentiment_score":0.07982304971665144,"num_words":72,"start":1214.315,"end":1241.4551},{"sentences":[{"text":"Now within that fund, there are quite a number of different companies.","start":1241.8351,"end":1246.98,"sentiment":"neutral","sentiment_score":0.0683673017968734},{"text":"It does change, but with hack, basically, what the investment is aiming to do is to invest specifically within cybersecurity tech companies that are established and, like, growing.","start":1247.68,"end":1266.395,"sentiment":"neutral","sentiment_score":0.16104286589792796},{"text":"The the whole point of the the asset is not to stagnate or invest in companies that have hit their their peak and are, you know, are are done with their evolution.","start":1267.175,"end":1278.4601,"sentiment":"neutral","sentiment_score":0.1736387178534642},{"text":"And it also doesn't invest in stocks in companies that are establishing, so brand new companies that have a high risk of of obviously faulting.","start":1279.0801,"end":1288.06,"sentiment":"neutral","sentiment_score":-0.1830061250180006},{"text":"So every single one of the companies is is researched and is is is looked at.","start":1288.445,"end":1293.425,"sentiment":"neutral","sentiment_score":0.07290681730955839}],"sentiment":"neutral","sentiment_score":0.06617170610193131,"num_words":113,"start":1241.8351,"end":1293.425},{"sentences":[{"text":"BetaShares is the investment manager that researches each each of these assets.","start":1293.885,"end":1297.905,"sentiment":"neutral","sentiment_score":0.05665460073699554},{"text":"It is still very volatile because your tech companies can be very volatile.","start":1299.965,"end":1304.34,"sentiment":"neutral","sentiment_score":-0.2793069768410463},{"text":"And so the the actual asset itself does tend to to throw its weight around up and down.","start":1305.36,"end":1312.18,"sentiment":"neutral","sentiment_score":-0.12816059961915016},{"text":"You have a little bit more of your you're cushioning that through gold.","start":1312.88,"end":1316.1,"sentiment":"neutral","sentiment_score":-0.012749051245359274},{"text":"So there's a little bit of gold in the portfolio that does cushion a little bit more of that blow when you've got your, you know, your your more aggressive stocks that are the throwing weight.","start":1316.385,"end":1326.3251,"sentiment":"neutral","sentiment_score":0.0614543907965223}],"sentiment":"neutral","sentiment_score":-0.03490658566031767,"num_words":92,"start":1293.885,"end":1326.3251},{"sentences":[{"text":"Tech does the same thing.","start":1326.545,"end":1327.585,"sentiment":"neutral","sentiment_score":0.08831468373537063},{"text":"Nasdaq is obviously very much known for doing that.","start":1327.585,"end":1332.83,"sentiment":"neutral","sentiment_score":0.15675878607564503},{"text":"You've also got S and P 500, so that's pretty much really a nice steady steady asset.","start":1333.21,"end":1338.75,"sentiment":"neutral","sentiment_score":0.26432722368661093},{"text":"And you've got your India stocks as well, which can be a little bit more volatile.","start":1340.01,"end":1345.23,"sentiment":"neutral","sentiment_score":0.03535710135474801},{"text":"Haven't been of late, but can definitely be more volatile.","start":1346.1951,"end":1348.855,"sentiment":"neutral","sentiment_score":-0.1267922192811966}],"sentiment":"neutral","sentiment_score":0.09901327587533415,"num_words":57,"start":1326.545,"end":1348.855},{"sentences":[{"text":"So each of those assets, I guess, do their own thing.","start":1349.715,"end":1353.495,"sentiment":"neutral","sentiment_score":0.007121121680194681},{"text":"Now the portfolio as a whole, any single super fund has to have a cash balance.","start":1354.275,"end":1361.39,"sentiment":"neutral","sentiment_score":-0.010062182787805796},{"text":"The hub twenty four fund requires, like, a 1.25 cash allocation.","start":1361.61,"end":1366.51,"sentiment":"neutral","sentiment_score":-0.014556465162472292},{"text":"So there's 1.25% that'll be held in cash, and that's because the portfolio requires it.","start":1366.81,"end":1371.47,"sentiment":"neutral","sentiment_score":0.020916896065076192},{"text":"QSuper does the same thing.","start":1372.41,"end":1373.61,"sentiment":"neutral","sentiment_score":0.12447194159030914}],"sentiment":"neutral","sentiment_score":0.01195395596582314,"num_words":58,"start":1349.715,"end":1373.61},{"sentences":[{"text":"Every single portfolio or platform requires some form of money to be held in actual cash.","start":1373.61,"end":1379.235,"sentiment":"neutral","sentiment_score":0.06344343139789999},{"text":"Some of the portfolios will hold it within the asset as an underlying because, obviously, the way we've split your assets, a lot of these assets don't have underlying cash.","start":1379.9349,"end":1390.6749,"sentiment":"neutral","sentiment_score":0.07403627187013626},{"text":"Some of them do, but we've kept your cash balance obviously to a to a minimum because we're hoping like, you know, we're wanting to put more of the assets on the market than less.","start":1390.76,"end":1399.8201,"sentiment":"neutral","sentiment_score":0.12483454793691635},{"text":"Now the aim towards this is to have a low beta, high alpha.","start":1401.88,"end":1410.295,"sentiment":"neutral","sentiment_score":0.18539509693017373},{"text":"So the whole point of a high alpha investment is to to outsource the market.","start":1410.295,"end":1418.43,"sentiment":"neutral","sentiment_score":0.3080260843038559}],"sentiment":"neutral","sentiment_score":0.13427449321938217,"num_words":109,"start":1373.61,"end":1418.43},{"sentences":[{"text":"A low beta means that it's costing less than the market equivalent.","start":1418.7301,"end":1424.03,"sentiment":"neutral","sentiment_score":0.24480092898011208},{"text":"So it's why we'd aim towards ETF because they're generally a little bit more cost effective because you're able to bundle a lot of different companies into one cube, I guess.","start":1424.65,"end":1436.005,"sentiment":"positive","sentiment_score":0.36642054636632243},{"text":"And it means that your purchase cost across, you know, buying all these assets reduces a lot.","start":1436.465,"end":1442.645,"sentiment":"positive","sentiment_score":0.38114450083059426},{"text":"Now with reference to, I guess, the cost base between the two, currently, your your q super fund in the portfolio that it's in is performing at, like, a nine point zero four percent five year rolling.","start":1445.8099,"end":1462.405,"sentiment":"neutral","sentiment_score":0.19987871699236534},{"text":"So it's it is doing really well.","start":1463.985,"end":1465.505,"sentiment":"positive","sentiment_score":0.3783463729279382}],"sentiment":"neutral","sentiment_score":0.29634655517740893,"num_words":104,"start":1418.7301,"end":1465.505},{"sentences":[{"text":"Don't get me wrong.","start":1465.505,"end":1466.145,"sentiment":"neutral","sentiment_score":0.1980263888835907},{"text":"Like, 9% is really great, and over a five year time frame is fantastic.","start":1466.145,"end":1470.0851,"sentiment":"positive","sentiment_score":0.6175415899072375},{"text":"It is very much only in international stocks, and you're hedged in international stocks.","start":1471.52,"end":1477.0399,"sentiment":"neutral","sentiment_score":0.25041692703962326},{"text":"You don't have any national stocks or anything like that.","start":1477.0399,"end":1479.6799,"sentiment":"neutral","sentiment_score":0.031089796125888823},{"text":"And, again, you're very limited on what you're able to see.","start":1479.6799,"end":1483.14,"sentiment":"neutral","sentiment_score":0.0028831899928098374}],"sentiment":"neutral","sentiment_score":0.25068184611264543,"num_words":53,"start":1465.505,"end":1483.14},{"sentences":[{"text":"QSuper and the investment menu that you're in is low cost.","start":1484.385,"end":1488.9651,"sentiment":"positive","sentiment_score":0.37026526169343427},{"text":"So if you have a look on the document at page 24, you'll be able to see a cost breakdown between the two funds.","start":1489.425,"end":1497.125,"sentiment":"neutral","sentiment_score":0.18743505328893661},{"text":"So your admin fees for your q super are coming out, like, $631 versus hub 24, it's 1,500 for the year.","start":1499.23,"end":1509.6499,"sentiment":"neutral","sentiment_score":0.24782744262899672},{"text":"Your investment fees with with your q super are quite low because you're only in that single stock option.","start":1511.445,"end":1517.5449,"sentiment":"positive","sentiment_score":0.3777915725582524},{"text":"So it's about $500 a a week versus it's about $2 or just shy of $22,300 for the investment fees for though for those funds.","start":1517.9249,"end":1528.88,"sentiment":"neutral","sentiment_score":0.2896264708042145}],"sentiment":"neutral","sentiment_score":0.28194437101483344,"num_words":100,"start":1484.385,"end":1528.88},{"sentences":[{"text":"We have used the highest possible investment fees for each of the funds.","start":1529.58,"end":1533.44,"sentiment":"positive","sentiment_score":0.5146234998336205},{"text":"So your Hub 24 in that investment fee, I've included brokerage fees and everything.","start":1535.34,"end":1539.975,"sentiment":"positive","sentiment_score":0.4073006755539349},{"text":"Now Hub 24 is an intuitive platform, and you won't always go to market to buy your assets.","start":1540.5149,"end":1547.495,"sentiment":"positive","sentiment_score":0.5079151656892564},{"text":"It actually internally trades within other with other accounts that are currently holding those assets.","start":1547.7949,"end":1554.2699,"sentiment":"positive","sentiment_score":0.38420387903849285},{"text":"So when you go to buy, it it does what's called aggregation.","start":1554.4099,"end":1557.23,"sentiment":"positive","sentiment_score":0.35600607345501584}],"sentiment":"positive","sentiment_score":0.4384710972921716,"num_words":72,"start":1529.58,"end":1557.23},{"sentences":[{"text":"So it doesn't always require you to go to open market to purchase.","start":1558.25,"end":1562.4299,"sentiment":"neutral","sentiment_score":0.20955261358847985},{"text":"So those fees are gonna be a lot less.","start":1563.37,"end":1565.2899,"sentiment":"neutral","sentiment_score":0.2762093080414666},{"text":"I very, very rarely see my clients actually go to open market.","start":1565.2899,"end":1569.925,"sentiment":"neutral","sentiment_score":-0.08980413091679414},{"text":"And, generally, it's because I force a market trade that that actually ends up happening.","start":1570.305,"end":1574.005,"sentiment":"neutral","sentiment_score":-0.06765406330426534},{"text":"Now aside from that, obviously, currently, you don't have an adviser under Oakview.","start":1578.8,"end":1584.5,"sentiment":"neutral","sentiment_score":-0.042502838401840284}],"sentiment":"neutral","sentiment_score":0.04137210208441942,"num_words":62,"start":1558.25,"end":1584.5},{"sentences":[{"text":"You would have an adviser.","start":1584.56,"end":1585.6,"sentiment":"neutral","sentiment_score":0.01217399463057518},{"text":"So someone that you would be able to talk to ongoing.","start":1585.6,"end":1588.02,"sentiment":"neutral","sentiment_score":0.10041544112292203},{"text":"We would help you out.","start":1588.16,"end":1589.38,"sentiment":"neutral","sentiment_score":0.29831611514091494},{"text":"You would have access to us anytime that you needed.","start":1589.52,"end":1591.86,"sentiment":"neutral","sentiment_score":0.3069249138236046},{"text":"And, you know, we're able to do these documents up, do comparisons for you.","start":1592.16,"end":1597.005,"sentiment":"neutral","sentiment_score":0.2085193395614624}],"sentiment":"neutral","sentiment_score":0.19212311762902473,"num_words":45,"start":1584.56,"end":1597.005},{"sentences":[{"text":"You know, if you had another a thought process or a concept you wanted, there's someone to basically be able to run through with that.","start":1597.465,"end":1605.005,"sentiment":"neutral","sentiment_score":0.11138863369822502},{"text":"Yes.","start":1607.24,"end":1607.5599,"sentiment":"neutral","sentiment_score":0.0965486690402031},{"text":"Of course.","start":1607.5599,"end":1608.22,"sentiment":"neutral","sentiment_score":0.08706984668970108},{"text":"Yes.","start":1615.24,"end":1615.74,"sentiment":"neutral","sentiment_score":0.12119763344526292},{"text":"Yep.","start":1625.895,"end":1626.395,"sentiment":"neutral","sentiment_score":0.25006750226020813}],"sentiment":"neutral","sentiment_score":0.11422231135269006,"num_words":30,"start":1597.465,"end":1626.395},{"sentences":[{"text":"Yep.","start":1640.95,"end":1641.45,"sentiment":"neutral","sentiment_score":0.11909881234169006},{"text":"Oh, is that Netofees?","start":1648.6649,"end":1649.725,"sentiment":"neutral","sentiment_score":0.04596076067537069},{"text":"Yes.","start":1650.105,"end":1650.605,"sentiment":"neutral","sentiment_score":0.13546356558799744},{"text":"Yes.","start":1678.135,"end":1678.635,"sentiment":"neutral","sentiment_score":0.16533121466636658},{"text":"Correct.","start":1680.5,"end":1681.0,"sentiment":"neutral","sentiment_score":0.16636544466018677}],"sentiment":"neutral","sentiment_score":0.09626275999471545,"num_words":8,"start":1640.95,"end":1681.0},{"sentences":[{"text":"Yeah.","start":1681.0599,"end":1681.5599,"sentiment":"neutral","sentiment_score":0.10623634606599808},{"text":"Yeah.","start":1714.38,"end":1714.62,"sentiment":"neutral","sentiment_score":0.01160153653472662},{"text":"Yeah.","start":1714.62,"end":1715.0199,"sentiment":"neutral","sentiment_score":0.032078005373477936},{"text":"So you do have insurance with QT for right now.","start":1715.0199,"end":1717.5199,"sentiment":"neutral","sentiment_score":0.04663531742990017},{"text":"What I what we wanna do is actually replace those because they're you don't have an income protection.","start":1719.525,"end":1724.985,"sentiment":"neutral","sentiment_score":0.05794851580220792}],"sentiment":"neutral","sentiment_score":0.05352717247461119,"num_words":31,"start":1681.0599,"end":1724.985},{"sentences":[{"text":"So in the event that you were not able to work for, you know, due to an injury or illness, we wanna look at getting a a policy in place and then just also rounding out your life and total permanent disability to help cover, you know, cover you in the event that anything were to happen.","start":1725.285,"end":1743.71,"sentiment":"neutral","sentiment_score":0.052326345881610586},{"text":"I'll go over that in a second.","start":1748.105,"end":1750.0449,"sentiment":"neutral","sentiment_score":0.1582741609641484},{"text":"It's basically two pages down from where we are.","start":1751.3049,"end":1754.365,"sentiment":"neutral","sentiment_score":0.07624712172481748},{"text":"So as you can see, I guess, you know, based on if we were to basically stay in aggressive, like, in this in this risk profile for the entire time, these are the outcomes that you would basically be looking at receiving.","start":1755.945,"end":1768.74,"sentiment":"neutral","sentiment_score":0.11289613960044724},{"text":"Now, obviously, as I said, as we start nearing your retirement, we will start scaling down a little bit just because you will start becoming a little bit more risk adverse.","start":1769.28,"end":1781.155,"sentiment":"neutral","sentiment_score":-0.08626191426188715}],"sentiment":"neutral","sentiment_score":0.04687851683989371,"num_words":146,"start":1725.285,"end":1781.155},{"sentences":[{"text":"But that would happen with your current as well because you would wanna start protecting the the assets that you had grown rather than taking risks, you know, on on the capital that you you have.","start":1782.015,"end":1795.0399,"sentiment":"neutral","sentiment_score":0.039498153866993055},{"text":"Cool.","start":1798.14,"end":1798.64,"sentiment":"neutral","sentiment_score":0.26348942518234253},{"text":"Now with respect to the insurance, currently, you have the life and the total payment facility with your q super.","start":1801.595,"end":1810.815,"sentiment":"neutral","sentiment_score":0.04138406030833721},{"text":"So you don't have any income protection as I was saying.","start":1811.275,"end":1814.575,"sentiment":"neutral","sentiment_score":-0.2606287883086638},{"text":"Now what we're recommending is that we engage in a new policy for the life, the total parent disability, and the income protection.","start":1814.88,"end":1823.3,"sentiment":"neutral","sentiment_score":0.08608181636942469}],"sentiment":"neutral","sentiment_score":0.017868893139146188,"num_words":91,"start":1782.015,"end":1823.3},{"sentences":[{"text":"And the income protection would be at your at your income rate.","start":1825.36,"end":1830.8351,"sentiment":"neutral","sentiment_score":0.12788286743064722},{"text":"So it's able to pay up to up to 70% of your income if you were to go on claim.","start":1830.8351,"end":1837.795,"sentiment":"neutral","sentiment_score":0.19702051617205144},{"text":"So the whole point of an income protection policy is you're not able to be earning the same amount or better than what you were if you were working.","start":1837.795,"end":1846.53,"sentiment":"neutral","sentiment_score":-0.3118292198612772},{"text":"The policy is there to basically be a stopgap between becoming ill and injured, ill or injured, I should say, and being able to return to work.","start":1847.15,"end":1857.065,"sentiment":"neutral","sentiment_score":0.08158183635936843},{"text":"Now if you are unable to return to work, that's where a total permanent disability policy put kicks in, and that becomes a lump sum benefit that's payable to your super fund.","start":1857.065,"end":1867.005,"sentiment":"neutral","sentiment_score":0.00729194690939039}],"sentiment":"neutral","sentiment_score":-0.009433256338040034,"num_words":120,"start":1825.36,"end":1867.005},{"sentences":[{"text":"Now because at the moment you are, I guess, a little bit cash strapped, Cedi has recommended that we pay for these through your super fund.","start":1867.3049,"end":1875.9299,"sentiment":"neutral","sentiment_score":0.21065932817649669},{"text":"Now if in the future or, you know, when in the future, not if, when in the future we, you know, start being able to consolidate down some of those those debts and get everything flowing a little bit better, what we would be able to do is from there, we can pop your income protection policy to be paid personally by you because it becomes a tax deduction.","start":1876.23,"end":1899.9601,"sentiment":"positive","sentiment_score":0.43427007569782977},{"text":"Now, obviously, at the moment, you've got both of the properties that are tax deductible.","start":1899.9601,"end":1903.26,"sentiment":"neutral","sentiment_score":0.23971284826596578},{"text":"So it's something that it can be looked at, but it's not something we wanna obviously impact against your cash flow right now.","start":1904.28,"end":1911.42,"sentiment":"neutral","sentiment_score":0.03290325986302417},{"text":"But we do wanna make sure that that policy is in place just on the event that anything happens.","start":1911.7849,"end":1916.2849,"sentiment":"neutral","sentiment_score":0.2139620004515899}],"sentiment":"neutral","sentiment_score":0.2885494964813054,"num_words":152,"start":1867.3049,"end":1916.2849},{"sentences":[{"text":"Because the older we get, unfortunately, things start breaking down a little bit.","start":1919.3049,"end":1924.365,"sentiment":"negative","sentiment_score":-0.42364562818637264},{"text":"Trust me.","start":1924.585,"end":1925.4049,"sentiment":"negative","sentiment_score":-0.36442209780216217},{"text":"The start running five years ago, and it gets harder every day.","start":1926.5299,"end":1930.23,"sentiment":"negative","sentiment_score":-0.5077328483263651},{"text":"Now that policy, we're looking at because it's paid by your superannuation fund, it's 15% cheaper than if you paid for it fully personally.","start":1933.4099,"end":1943.185,"sentiment":"neutral","sentiment_score":0.32830761559307575},{"text":"And that's because the super fund basically gives you a rebate.","start":1944.045,"end":1946.865,"sentiment":"positive","sentiment_score":0.3600738211111589}],"sentiment":"neutral","sentiment_score":-0.00788446347559652,"num_words":62,"start":1919.3049,"end":1946.865},{"sentences":[{"text":"So it becomes $1,636.53 for the year, and that gives you 200,000 a life 200, 250,000 a life, 250,000 total claim disability, $9,333 per month of income protection after thirty days.","start":1947.325,"end":1965.46,"sentiment":"positive","sentiment_score":0.3437742936995722},{"text":"So you have to be off work for thirty days before the claim kicks in, and then the policy pays you at the end of the month.","start":1965.46,"end":1972.9951,"sentiment":"neutral","sentiment_score":0.09476361368541364},{"text":"So the first payment would be received basically day 60 of being off work, but the policy pays you for up to five years.","start":1973.775,"end":1980.035,"sentiment":"neutral","sentiment_score":0.13407283866157135},{"text":"Now I we did look at, like, a five year versus a two year benefit period, and it was only a couple of $100 difference in the premium.","start":1980.3351,"end":1988.41,"sentiment":"neutral","sentiment_score":0.05237518051373107},{"text":"So being on a five year benefit obviously gives you those extra three years worth of security if you you know, anything were happen.","start":1989.03,"end":1996.4901,"sentiment":"neutral","sentiment_score":0.24478762472669283}],"sentiment":"neutral","sentiment_score":0.17742370783504266,"num_words":134,"start":1947.325,"end":1996.4901},{"sentences":[{"text":"Now these kinds of policies cover mental health, back injuries, knee injuries, anything and everything that you can think of.","start":1996.855,"end":2004.475,"sentiment":"neutral","sentiment_score":0.10433216132223606},{"text":"You know, cancer diagnosis where, you know, you need to go through treatment and unable to work during that.","start":2004.695,"end":2010.15,"sentiment":"neutral","sentiment_score":0.009388242112962823},{"text":"So it it enables you to not have to force yourself to go back to work just because you are injured and then, obviously, possibly do more damage to you.","start":2010.23,"end":2018.73,"sentiment":"neutral","sentiment_score":0.0032623328268527986},{"text":"Cool.","start":2021.51,"end":2022.01,"sentiment":"positive","sentiment_score":0.4418605864048004},{"text":"So that would basically replace your q that would it would it would replace your q super policy in whole.","start":2023.525,"end":2028.3451,"sentiment":"positive","sentiment_score":0.366413888335228}],"sentiment":"neutral","sentiment_score":0.11258920182784399,"num_words":90,"start":1996.855,"end":2028.3451},{"sentences":[{"text":"Cool.","start":2042.66,"end":2043.16,"sentiment":"positive","sentiment_score":0.5605714321136475},{"text":"Now with the policy, we do underwritten policies.","start":2045.06,"end":2050.095,"sentiment":"neutral","sentiment_score":0.17719240300357342},{"text":"So your q super policy is generally a group policy, and your policy was where your employer or you at the opening of your fund made a disclosure of, obviously, age, gender, living, demographic, and then occupation.","start":2050.715,"end":2070.6,"sentiment":"neutral","sentiment_score":0.12655750440584645},{"text":"Now most super funds will just take a stab at the general occupation and give you a general standard occupation rating unless you make a disclosure otherwise.","start":2073.62,"end":2083.635,"sentiment":"neutral","sentiment_score":0.09897720041098418},{"text":"Now what this policy or what the CAL policy will do, which is the provider we're looking at underwriting with, is they will ask you questions to do with your occupation, your health, and your family history.","start":2084.575,"end":2096.07,"sentiment":"neutral","sentiment_score":0.09548513510742702}],"sentiment":"neutral","sentiment_score":0.11696429753845389,"num_words":110,"start":2042.66,"end":2096.07},{"sentences":[{"text":"They underwrite the application at time of application rather than underwriting the application at time of claim.","start":2096.37,"end":2103.1902,"sentiment":"neutral","sentiment_score":0.14185167936717763},{"text":"It means that the claims process is a lot smoother, which is obviously what we want when it comes time to claim.","start":2103.975,"end":2109.895,"sentiment":"positive","sentiment_score":0.42267843132669275},{"text":"We don't want the headache of, you know, endless forms and stuff like that.","start":2109.895,"end":2114.5552,"sentiment":"neutral","sentiment_score":-0.14387037019644464},{"text":"A claim is already generally a a pretty extremely stressful moment to begin with, so we don't wanna add the stress to it.","start":2115.0952,"end":2123.53,"sentiment":"neutral","sentiment_score":-0.26414841219134955},{"text":"So that's why we underwrite the policies at time of application.","start":2123.53,"end":2126.9102,"sentiment":"neutral","sentiment_score":0.013687916989014908}],"sentiment":"neutral","sentiment_score":0.04334910876042713,"num_words":87,"start":2096.37,"end":2126.9102},{"sentences":[{"text":"It means that the insurer knows you as an individual, and they know the level of risk they're taking on when they put the policy in place.","start":2127.29,"end":2135.285,"sentiment":"neutral","sentiment_score":0.029435285401565058},{"text":"Means that the policy is tailored to you rather than to a group of people, which is what you currently have under q super.","start":2135.585,"end":2142.885,"sentiment":"neutral","sentiment_score":0.09451041781964402},{"text":"A group policy is basically where they take individuals within a specific demographic age and gender status, and they all get insured for the same amount of money, and they all pay the same premium.","start":2143.185,"end":2155.0999,"sentiment":"neutral","sentiment_score":0.10769114920071193},{"text":"And the insurer basically just says, well, you know, about a percentage of these clients will claim and a percentage of them won't.","start":2155.64,"end":2163.515,"sentiment":"neutral","sentiment_score":0.06871359762938126},{"text":"And based on historical claims processes, that's how the premiums are actually calculated rather than based on you as an individual.","start":2163.815,"end":2174.9102,"sentiment":"neutral","sentiment_score":0.053009381251675744}],"sentiment":"neutral","sentiment_score":0.07327540544076608,"num_words":130,"start":2127.29,"end":2174.9102},{"sentences":[{"text":"So with the policy that would, as I said, completely replace the the q super policy.","start":2179.21,"end":2184.57,"sentiment":"neutral","sentiment_score":0.06758181075565517},{"text":"You'd have life insurance in place.","start":2184.57,"end":2186.01,"sentiment":"neutral","sentiment_score":0.0683026909828186},{"text":"It would get paid for from the Hub twenty four fund, and your QSuper fund would be closed once the new policy is in place.","start":2186.01,"end":2194.845,"sentiment":"neutral","sentiment_score":0.010078974515199662},{"text":"So we would do a stepped and staged implementation where we would roll the majority of your funds over to Hub twenty four, get the account started, do your insurance application, get the first premium paid for from your Hub twenty four funds so we know it's in place before we close and cancel your other insurance.","start":2194.845,"end":2211.99,"sentiment":"neutral","sentiment_score":0.08588539161964466},{"text":"Because the second that q super closes, the policy insurance policy closes as well or ceases.","start":2212.13,"end":2217.9949,"sentiment":"neutral","sentiment_score":-0.057980328099802136}],"sentiment":"neutral","sentiment_score":0.04759067961325248,"num_words":120,"start":2179.21,"end":2217.9949},{"sentences":[{"text":"So we don't wanna ever leave you uninsured.","start":2218.775,"end":2220.555,"sentiment":"neutral","sentiment_score":-0.07137629669159651},{"text":"We always wanna make sure that we're protecting you and keeping you safe or, you know, keeping you insured during that transition period.","start":2221.575,"end":2227.275,"sentiment":"neutral","sentiment_score":0.18535637466803842},{"text":"No.","start":2237.9102,"end":2238.4102,"sentiment":"neutral","sentiment_score":-0.14457592368125916},{"text":"Yes.","start":2243.365,"end":2243.865,"sentiment":"neutral","sentiment_score":-0.0018797079101204872},{"text":"Yes.","start":2257.54,"end":2258.04,"sentiment":"neutral","sentiment_score":-0.06811241805553436}],"sentiment":"neutral","sentiment_score":0.10228288806427051,"num_words":34,"start":2218.775,"end":2258.04},{"sentences":[{"text":"Hub twenty four are one of the largest super funds in Australia with trillions under investment.","start":2269.155,"end":2275.815,"sentiment":"neutral","sentiment_score":-0.009059647680260241},{"text":"Not billions, trillions.","start":2275.955,"end":2277.415,"sentiment":"neutral","sentiment_score":-0.10666609058777492},{"text":"So, no, very, very, very, very much not gonna happen.","start":2278.675,"end":2283.13,"sentiment":"negative","sentiment_score":-0.43174845576286314},{"text":"They don't get me wrong.","start":2284.23,"end":2285.3499,"sentiment":"neutral","sentiment_score":-0.24098739624023438},{"text":"They are new in comparison to, like, your q super.","start":2285.3499,"end":2288.25,"sentiment":"neutral","sentiment_score":-0.18024085313081742}],"sentiment":"neutral","sentiment_score":-0.1770405160178515,"num_words":44,"start":2269.155,"end":2288.25},{"sentences":[{"text":"Q super has obviously been around forever, but Hub twenty four has been around for a good couple of decades now, and they are one of the one of the leading super funds.","start":2288.63,"end":2302.555,"sentiment":"neutral","sentiment_score":0.06571453679917437},{"text":"They are a retail fund.","start":2302.555,"end":2304.015,"sentiment":"neutral","sentiment_score":0.0437638483941555},{"text":"Super funds can't run and take your money.","start":2305.74,"end":2308.8801,"sentiment":"negative","sentiment_score":-0.34516019001603127},{"text":"So I'm not a 100% sure what news article you obviously like, you you heard.","start":2309.42,"end":2314.7,"sentiment":"neutral","sentiment_score":-0.24266183972358704},{"text":"I'm not trying to undermine it.","start":2314.7,"end":2316.4,"sentiment":"neutral","sentiment_score":-0.17052214095989862}],"sentiment":"neutral","sentiment_score":-0.0751782538119092,"num_words":67,"start":2288.63,"end":2316.4},{"sentences":[{"text":"But Superfunds have have charged deceased estates.","start":2317.02,"end":2322.945,"sentiment":"negative","sentiment_score":-0.46418591695172445},{"text":"They charge people that are dead.","start":2323.245,"end":2324.925,"sentiment":"negative","sentiment_score":-0.51247538626194},{"text":"It's happened.","start":2324.925,"end":2325.745,"sentiment":"negative","sentiment_score":-0.43186721205711365},{"text":"And ASIC have gone after them and made them repay it all.","start":2326.605,"end":2331.8252,"sentiment":"negative","sentiment_score":-0.6139691745241483},{"text":"There have been, you know, funds that have overcharged clients, and, again, ASIC have investigated and made them pay it back.","start":2332.205,"end":2339.55,"sentiment":"negative","sentiment_score":-0.548336652063188}],"sentiment":"negative","sentiment_score":-0.5431372489159306,"num_words":48,"start":2317.02,"end":2339.55},{"sentences":[{"text":"There have been things that have happened.","start":2339.6902,"end":2341.3901,"sentiment":"negative","sentiment_score":-0.3775476600442614},{"text":"There are, like, self managed super funds, SMSFs, that have, unfortunately, a little bit less guidance.","start":2343.1301,"end":2353.675,"sentiment":"negative","sentiment_score":-0.43490639701485634},{"text":"They are supposed to still act with integrity and under the legislation, but there's a little bit less, I guess, strict ruling over them.","start":2354.215,"end":2364.34,"sentiment":"negative","sentiment_score":-0.4461759428183238},{"text":"Do them wrong.","start":2365.9202,"end":2366.6602,"sentiment":"negative","sentiment_score":-0.5391927361488342},{"text":"I think do eventually catch up to any of the SMSF funds that aren't acting in line with the legislation, but it's probably not done as well as it should be.","start":2366.96,"end":2377.155,"sentiment":"negative","sentiment_score":-0.4811436053245298}],"sentiment":"negative","sentiment_score":-0.4548467725147436,"num_words":81,"start":2339.6902,"end":2377.155},{"sentences":[{"text":"They do have to they do have they do get audited every year, but it does take time for, you know, Aetna to go through all the audits and eventually catch up and deal with them.","start":2378.655,"end":2388.195,"sentiment":"negative","sentiment_score":-0.338072597152657},{"text":"I'd have to look into whatever it was, news article.","start":2389.21,"end":2392.4302,"sentiment":"neutral","sentiment_score":-0.050699693709611894},{"text":"Oh, okay.","start":2395.21,"end":2396.19,"sentiment":"neutral","sentiment_score":-0.02182913478463888},{"text":"Yep.","start":2396.4102,"end":2396.9102,"sentiment":"neutral","sentiment_score":-0.015367187559604645},{"text":"I was wondering if you were talking about possibly First Guardian and whoever the other one is.","start":2397.85,"end":2406.085,"sentiment":"neutral","sentiment_score":-0.03496133623754277}],"sentiment":"neutral","sentiment_score":-0.20198452435998301,"num_words":66,"start":2378.655,"end":2406.085},{"sentences":[{"text":"Yes.","start":2406.085,"end":2406.585,"sentiment":"neutral","sentiment_score":-0.008951336145401001},{"text":"Shield.","start":2406.6448,"end":2407.1448,"sentiment":"neutral","sentiment_score":-0.04688989371061325},{"text":"They were not super funds.","start":2407.6848,"end":2409.125,"sentiment":"neutral","sentiment_score":-0.2316465675830841},{"text":"They were assets, so they were an investment, not a fund.","start":2409.125,"end":2413.385,"sentiment":"neutral","sentiment_score":-0.19144225933335043},{"text":"Hub twenty four did not put them on platform.","start":2414.085,"end":2416.4849,"sentiment":"neutral","sentiment_score":-0.27123284836610156}],"sentiment":"neutral","sentiment_score":-0.2133716502123409,"num_words":27,"start":2406.085,"end":2416.4849},{"sentences":[{"text":"They were not offered under Hub twenty four.","start":2416.4849,"end":2418.63,"sentiment":"neutral","sentiment_score":-0.269417779520154},{"text":"Hub twenty four investigated both of those assets when they became available on market.","start":2419.5098,"end":2423.93,"sentiment":"neutral","sentiment_score":-0.3320829229695456},{"text":"It's their obligation to do so.","start":2423.99,"end":2425.69,"sentiment":"negative","sentiment_score":-0.42834116021792096},{"text":"It's that it's what it's what they do as a platform, and both of them were too high risk for them to engage on platform.","start":2426.15,"end":2434.825,"sentiment":"negative","sentiment_score":-0.5162985515594483},{"text":"Macquarie, Netwealth, there are a couple other quite large.","start":2436.245,"end":2440.325,"sentiment":"neutral","sentiment_score":-0.17075250297784805}],"sentiment":"negative","sentiment_score":-0.38417397475531023,"num_words":62,"start":2416.4849,"end":2440.325},{"sentences":[{"text":"Macquarie's a bank orientated and connected provider.","start":2440.325,"end":2446.12,"sentiment":"neutral","sentiment_score":-0.11136254455362048},{"text":"They've been around for quite a long time, and they have both had both both of those two funds have both had to engage in remediation to pay and remediate back the funds lost by clients because they let the asset be available on platform.","start":2447.1401,"end":2469.375,"sentiment":"neutral","sentiment_score":-0.13863694700929854},{"text":"Shield and First Guardian have both been in the news for a couple of years now.","start":2470.635,"end":2474.7349,"sentiment":"neutral","sentiment_score":-0.11189249996095896},{"text":"Massive, massive screw ups by the super funds.","start":2476.19,"end":2478.69,"sentiment":"negative","sentiment_score":-0.48787934333086014},{"text":"But also the the actual asset managers, it was a Ponzi scheme.","start":2479.15,"end":2485.5698,"sentiment":"neutral","sentiment_score":-0.2586286986867587}],"sentiment":"neutral","sentiment_score":-0.17971658588133074,"num_words":88,"start":2440.325,"end":2485.5698},{"sentences":[{"text":"I mean, the short and long of it, it was a Ponzi scheme, unfortunately.","start":2486.5898,"end":2489.97,"sentiment":"neutral","sentiment_score":-0.18399684822985105},{"text":"OQ Financial have never recommended either of those two assets.","start":2491.535,"end":2494.6748,"sentiment":"neutral","sentiment_score":-0.20467181354761124},{"text":"The assets that we've recommended and the assets that we do recommend are available on the ASX.","start":2494.815,"end":2500.595,"sentiment":"neutral","sentiment_score":-0.004630917649003951},{"text":"They are tried and true.","start":2500.815,"end":2502.755,"sentiment":"neutral","sentiment_score":0.026263983547687532},{"text":"Not gonna say they're blue chip, but they're tried and true assets.","start":2503.31,"end":2506.6099,"sentiment":"neutral","sentiment_score":0.012529300603394708}],"sentiment":"neutral","sentiment_score":-0.07620220837496414,"num_words":58,"start":2486.5898,"end":2506.6099},{"sentences":[{"text":"We don't take risky investments with our clients' money.","start":2507.8699,"end":2512.93,"sentiment":"neutral","sentiment_score":-0.23440319961971706},{"text":"You know, we're not we don't invest in Bitcoin.","start":2513.8699,"end":2517.065,"sentiment":"neutral","sentiment_score":-0.1252521491712994},{"text":"While I do have a couple of clients that do personally invest in Bitcoin, I do have clients who I invest in Bitcoin mining companies for.","start":2517.065,"end":2525.805,"sentiment":"neutral","sentiment_score":-0.0005255609822387879},{"text":"I don't.","start":2527.4648,"end":2528.2048,"sentiment":"neutral","sentiment_score":-0.1681637167930603},{"text":"We don't invest in Bitcoin itself.","start":2528.57,"end":2531.87,"sentiment":"neutral","sentiment_score":-0.2736213232080142}],"sentiment":"neutral","sentiment_score":-0.10055034802868389,"num_words":52,"start":2507.8699,"end":2531.87},{"sentences":[{"text":"It's too much of a risky stock, and that's not we're not day trading.","start":2533.05,"end":2536.91,"sentiment":"negative","sentiment_score":-0.36169048718043734},{"text":"We're looking to hold long term stock.","start":2538.01,"end":2540.91,"sentiment":"neutral","sentiment_score":-0.23157919943332672},{"text":"And whilst granted, there will be tweaks that we do make to the assets that we're recommending, I e changing some of the weightings, maybe swapping one of the stocks out every now and then.","start":2542.0251,"end":2552.8252,"sentiment":"neutral","sentiment_score":-0.09821549696581704},{"text":"You know, markets change.","start":2552.8252,"end":2554.445,"sentiment":"neutral","sentiment_score":-0.10316012427210808},{"text":"Maybe, you know, India stops performing, and we wanna move a little bit over, you know, to Japan, whatever the case may be.","start":2554.5051,"end":2560.15,"sentiment":"neutral","sentiment_score":-0.11243364862773729}],"sentiment":"neutral","sentiment_score":-0.15808286778179995,"num_words":83,"start":2533.05,"end":2560.15},{"sentences":[{"text":"So we might move some of the waiting around.","start":2560.15,"end":2562.31,"sentiment":"neutral","sentiment_score":-0.10771558350986904},{"text":"We're not looking to make massive swings left and right.","start":2562.31,"end":2566.39,"sentiment":"neutral","sentiment_score":-0.2725069772452116},{"text":"We're not looking to basically do a full portfolio sell every three months.","start":2566.39,"end":2570.675,"sentiment":"negative","sentiment_score":-0.34204641443032485},{"text":"That makes no sense for a long term stock or investment.","start":2570.975,"end":2576.835,"sentiment":"negative","sentiment_score":-0.4155075414614244},{"text":"So yeah.","start":2582.3499,"end":2583.17,"sentiment":"neutral","sentiment_score":0.0019385479390621185}],"sentiment":"neutral","sentiment_score":-0.28239598381850456,"num_words":45,"start":2560.15,"end":2583.17},{"sentences":[{"text":"No.","start":2583.39,"end":2583.63,"sentiment":"neutral","sentiment_score":-0.005487065762281418},{"text":"Shield and First Guardian.","start":2583.63,"end":2584.75,"sentiment":"neutral","sentiment_score":0.11936328560113907},{"text":"I'm more than happy.","start":2584.75,"end":2585.47,"sentiment":"positive","sentiment_score":0.4903689920902252},{"text":"I can send you some information on them.","start":2585.47,"end":2587.17,"sentiment":"neutral","sentiment_score":0.20154483057558537},{"text":"I I did have a client.","start":2588.19,"end":2589.89,"sentiment":"neutral","sentiment_score":-0.07043620726714532}],"sentiment":"neutral","sentiment_score":0.1575297150436951,"num_words":23,"start":2583.39,"end":2589.89},{"sentences":[{"text":"The questions here?","start":2599.5652,"end":2600.5452,"sentiment":"neutral","sentiment_score":-0.007350883757074674},{"text":"Yeah.","start":2600.685,"end":2601.185,"sentiment":"neutral","sentiment_score":0.00015958305448293686},{"text":"Absolutely.","start":2603.245,"end":2603.745,"sentiment":"neutral","sentiment_score":0.039926618337631226},{"text":"No.","start":2603.965,"end":2604.2852,"sentiment":"neutral","sentiment_score":-0.06147032976150513},{"text":"I did have a client that came to me.","start":2604.2852,"end":2606.385,"sentiment":"neutral","sentiment_score":-0.006433559995558526}],"sentiment":"neutral","sentiment_score":-0.0067559213067094484,"num_words":15,"start":2599.5652,"end":2606.385},{"sentences":[{"text":"He had Shield assets, so I've been working with him for the last couple of years while Shield was in in liquidation.","start":2607.0398,"end":2614.8198,"sentiment":"neutral","sentiment_score":-0.0018952963027087126},{"text":"He actually had First Guardian and Shield while both of them were in liquidation.","start":2614.96,"end":2618.74,"sentiment":"neutral","sentiment_score":0.012160068045237235},{"text":"So I've been very, very much on top of how they've been going.","start":2618.88,"end":2622.865,"sentiment":"neutral","sentiment_score":0.11789497876396546},{"text":"And, look, he didn't make the outlandish money that it was portrayed as having made, but he did not lose anything.","start":2623.805,"end":2630.845,"sentiment":"neutral","sentiment_score":0.03752853377677855},{"text":"He actually got his cost basis back, which was good.","start":2630.845,"end":2633.07,"sentiment":"positive","sentiment_score":0.4893870741128922}],"sentiment":"neutral","sentiment_score":0.0917893638543319,"num_words":80,"start":2607.0398,"end":2633.07},{"sentences":[{"text":"So cost basis being what he put into the asset, he got back out.","start":2633.1501,"end":2636.77,"sentiment":"neutral","sentiment_score":0.2116496887590204},{"text":"He held it for a few years, but so he got nothing out of it, but he didn't lose anything.","start":2638.51,"end":2643.31,"sentiment":"neutral","sentiment_score":0.16301239263266326},{"text":"So he's quite happy.","start":2643.31,"end":2644.75,"sentiment":"positive","sentiment_score":0.5855341106653214},{"text":"Because, originally, I turned around and told him he'd be lucky if he get got, you know, 30¢ on the dollar.","start":2644.75,"end":2650.185,"sentiment":"neutral","sentiment_score":0.10595043879002333},{"text":"So he was quite happy when we ended up walking away pretty much in net positive or net neutral.","start":2650.2449,"end":2657.865,"sentiment":"neutral","sentiment_score":0.28303305412593643}],"sentiment":"neutral","sentiment_score":0.2085989187290142,"num_words":78,"start":2633.1501,"end":2657.865},{"sentences":[{"text":"So yeah.","start":2660.55,"end":2661.21,"sentiment":"neutral","sentiment_score":0.01973896659910679},{"text":"And the if you actually have a look in the news, just, I guess, for peace of mind, any of these any of the advisers that recommended either of those two assets were fully investigated by and have been ceased as advisers.","start":2661.27,"end":2676.0452,"sentiment":"neutral","sentiment_score":-0.04743398615114745},{"text":"So they are no longer able to give advice to clients for a period of time, and that will always be on that record their record as a disciplinary action.","start":2676.825,"end":2685.165,"sentiment":"neutral","sentiment_score":-0.08201840408146381},{"text":"Yeah.","start":2693.4,"end":2693.9,"sentiment":"neutral","sentiment_score":-0.1008397787809372},{"text":"Yeah.","start":2696.0398,"end":2696.5398,"sentiment":"neutral","sentiment_score":-0.06152211129665375}],"sentiment":"neutral","sentiment_score":-0.06020609865357217,"num_words":76,"start":2660.55,"end":2696.5398},{"sentences":[{"text":"Look.","start":2696.8398,"end":2697.16,"sentiment":"neutral","sentiment_score":-0.08544997125864029},{"text":"There there are some some people that have been over the whole Shield First Guardian that have been lifelong banned, but others have been, yeah, like, anywhere between two and ten years banned.","start":2697.16,"end":2710.265,"sentiment":"neutral","sentiment_score":-0.17048180848360062},{"text":"I can tell you now that the ones that ran the ran the Ponzi scheme is definitely not.","start":2723.78,"end":2728.5,"sentiment":"negative","sentiment_score":-0.4299925814072291},{"text":"They were caught, and they're currently being prosecuted.","start":2728.5,"end":2731.4001,"sentiment":"negative","sentiment_score":-0.36400891095399857},{"text":"But there are always someone somewhere that has benefited and had their name not on anything, and I'm sure there was someone that got away with something.","start":2732.7148,"end":2741.775,"sentiment":"neutral","sentiment_score":-0.23167010369124236}],"sentiment":"neutral","sentiment_score":-0.25998138165336915,"num_words":87,"start":2696.8398,"end":2741.775},{"sentences":[{"text":"But those with their name listed did not.","start":2743.1948,"end":2745.6948,"sentiment":"neutral","sentiment_score":-0.11807036120444536},{"text":"No.","start":2751.2,"end":2751.44,"sentiment":"neutral","sentiment_score":-0.2088892161846161},{"text":"Not connected at all.","start":2751.44,"end":2752.74,"sentiment":"neutral","sentiment_score":-0.19165892712771893},{"text":"When when I spoke, yeah, when I spoke to their investment committee, when a lot of it broke, they turned around and said, yeah.","start":2753.36,"end":2760.48,"sentiment":"neutral","sentiment_score":-0.08740733532855909},{"text":"They were contacted by ASIC.","start":2760.48,"end":2761.995,"sentiment":"neutral","sentiment_score":-0.059905384480953214}],"sentiment":"neutral","sentiment_score":-0.10279501868145806,"num_words":42,"start":2743.1948,"end":2761.995},{"sentences":[{"text":"They actually handed over all of their research that they did into the port into the assets or the portfolios, and ASIC basically turned around, clapped them on the back, and said, good job.","start":2762.235,"end":2772.235,"sentiment":"neutral","sentiment_score":-0.0627221779569107},{"text":"We basically had the same outcome when we investigated the assets that they were too high of risk.","start":2772.235,"end":2778.1501,"sentiment":"negative","sentiment_score":-0.3643253462182151},{"text":"Basically, like, a lot of the assets were in not real.","start":2778.4502,"end":2782.07,"sentiment":"negative","sentiment_score":-0.45587473294951697},{"text":"Like, the stock options that were listed were not actually real stock.","start":2782.29,"end":2786.37,"sentiment":"negative","sentiment_score":-0.40988315890232724},{"text":"They were buildings that were going to be built but got shut down multiple times for nothing up to code, couldn't be established, couldn't be built.","start":2786.37,"end":2794.665,"sentiment":"negative","sentiment_score":-0.4718183565598268}],"sentiment":"neutral","sentiment_score":-0.3058505695276331,"num_words":101,"start":2762.235,"end":2794.665},{"sentences":[{"text":"It was an absolute shimmuzzle.","start":2794.665,"end":2796.365,"sentiment":"negative","sentiment_score":-0.7453519940376282},{"text":"There was no tangible assets that that the investors were actually investing in under those.","start":2796.665,"end":2801.085,"sentiment":"negative","sentiment_score":-0.5252934118111928},{"text":"I'm more than happy to send you portfolio reports for every single one of the assets I've recommended so you can see what assets you're investing in.","start":2805.0,"end":2811.26,"sentiment":"positive","sentiment_score":0.383332637725053},{"text":"What's you on edge?","start":2818.615,"end":2819.755,"sentiment":"neutral","sentiment_score":-0.24613098427653313},{"text":"Yeah.","start":2827.99,"end":2828.31,"sentiment":"neutral","sentiment_score":0.017954522743821144}],"sentiment":"neutral","sentiment_score":-0.04274517967580603,"num_words":52,"start":2794.665,"end":2828.31},{"sentences":[{"text":"Superfund platforms, investors.","start":2828.31,"end":2832.4102,"sentiment":"neutral","sentiment_score":0.05598967522382736},{"text":"Like, it it's yeah.","start":2833.35,"end":2835.03,"sentiment":"neutral","sentiment_score":0.04812397435307503},{"text":"All of it.","start":2835.03,"end":2836.01,"sentiment":"neutral","sentiment_score":0.014259596665700277},{"text":"Perhaps q q super 100% could.","start":2842.165,"end":2844.725,"sentiment":"neutral","sentiment_score":0.059567367658019066},{"text":"And the frustrating part is is that there's not a full offering of assets listed.","start":2844.725,"end":2852.5999,"sentiment":"negative","sentiment_score":-0.5469393392403921}],"sentiment":"neutral","sentiment_score":-0.24011103772828657,"num_words":31,"start":2828.31,"end":2852.5999},{"sentences":[{"text":"So you you can't just jump in and see where every single one of your assets are.","start":2853.7,"end":2858.2798,"sentiment":"negative","sentiment_score":-0.4234728138236439},{"text":"Whereas on your Hub 24 platform, it's a lot more transparent.","start":2858.66,"end":2861.64,"sentiment":"neutral","sentiment_score":0.20358190888708289},{"text":"So when you actually open it up, there's an app and all the, you know, technological fun things.","start":2861.7,"end":2866.5198,"sentiment":"neutral","sentiment_score":0.17940022630823982},{"text":"But when you open it up, you'll see the eight assets, but you can actually click into them, and it shows each one of the underlying assets that that holds.","start":2867.175,"end":2875.195,"sentiment":"neutral","sentiment_score":0.09013444210092227},{"text":"So it means that, you know, per quarter, you could jump in and have a look, and some of those are gonna change.","start":2875.415,"end":2880.935,"sentiment":"neutral","sentiment_score":0.041482958456744316}],"sentiment":"neutral","sentiment_score":0.01947180347310172,"num_words":99,"start":2853.7,"end":2880.935},{"sentences":[{"text":"The weighting's gonna change that on you know?","start":2880.935,"end":2884.19,"sentiment":"neutral","sentiment_score":0.016675411025062203},{"text":"Today, you might hold point 3% of West farmers, and then tomorrow, it might be point five type of thing.","start":2884.19,"end":2890.77,"sentiment":"neutral","sentiment_score":0.003062557941302657},{"text":"Yeah.","start":2909.9,"end":2910.4,"sentiment":"neutral","sentiment_score":0.011577066034078598},{"text":"Where is it actually sitting?","start":2910.54,"end":2912.0,"sentiment":"neutral","sentiment_score":0.0017048267647624016},{"text":"Yeah.","start":2912.06,"end":2912.56,"sentiment":"neutral","sentiment_score":-0.006898070685565472}],"sentiment":"neutral","sentiment_score":0.005938787891396454,"num_words":35,"start":2880.935,"end":2912.56},{"sentences":[{"text":"Like, it is available.","start":2917.18,"end":2918.24,"sentiment":"neutral","sentiment_score":-0.08585297502577305},{"text":"You just have to dig for it, and it's not as easily obtainable as you would probably like it to be.","start":2918.7,"end":2926.375,"sentiment":"neutral","sentiment_score":-0.12747357058383169},{"text":"It is available.","start":2926.375,"end":2927.095,"sentiment":"neutral","sentiment_score":-0.001257544383406639},{"text":"I can send it to you.","start":2927.095,"end":2927.975,"sentiment":"neutral","sentiment_score":0.029033934076627094},{"text":"It's just it's not it's not fun to find.","start":2927.975,"end":2931.5151,"sentiment":"neutral","sentiment_score":-0.20867570655213463}],"sentiment":"neutral","sentiment_score":-0.10995365744240063,"num_words":43,"start":2917.18,"end":2931.5151},{"sentences":[{"text":"Very much.","start":2936.3,"end":2937.04,"sentiment":"neutral","sentiment_score":-0.13091808557510376},{"text":"Yeah.","start":2941.02,"end":2941.52,"sentiment":"neutral","sentiment_score":0.12954796850681305},{"text":"Which you will get under health 24, which will be good for you.","start":2941.58,"end":2944.56,"sentiment":"neutral","sentiment_score":0.32719810192401594},{"text":"So I have nothing else really to to cover on this.","start":2949.355,"end":2955.695,"sentiment":"neutral","sentiment_score":-0.04810666005042466},{"text":"I guess I want you to be able to take like, take it and read it.","start":2956.2349,"end":2959.47,"sentiment":"neutral","sentiment_score":0.07658382202498615}],"sentiment":"neutral","sentiment_score":0.1120338375398586,"num_words":43,"start":2936.3,"end":2959.47},{"sentences":[{"text":"There is a recommendation to be able to like, the first recommendation off the rank was the sale of the PPR, primary residence, because that got you the outcome of being able to consolidate and close out the debt.","start":2959.95,"end":2975.375,"sentiment":"neutral","sentiment_score":0.13593120280748758},{"text":"Now do you wanna hold it?","start":2976.5552,"end":2980.075,"sentiment":"neutral","sentiment_score":0.00017863744869828224},{"text":"That's okay.","start":2980.075,"end":2980.815,"sentiment":"neutral","sentiment_score":0.010219586081802845},{"text":"Yep.","start":3009.965,"end":3010.465,"sentiment":"neutral","sentiment_score":-0.04784999042749405},{"text":"Yep.","start":3028.715,"end":3029.215,"sentiment":"neutral","sentiment_score":-0.14425113797187805}],"sentiment":"neutral","sentiment_score":0.10470870975404978,"num_words":49,"start":2959.95,"end":3029.215},{"sentences":[{"text":"Yeah.","start":3036.73,"end":3037.23,"sentiment":"neutral","sentiment_score":-0.003011796623468399},{"text":"Oh, that's okay.","start":3064.5999,"end":3065.5798,"sentiment":"neutral","sentiment_score":0.10054369394977887},{"text":"Okay.","start":3076.935,"end":3077.435,"sentiment":"neutral","sentiment_score":0.08042791485786438},{"text":"That's okay.","start":3081.2551,"end":3082.075,"sentiment":"neutral","sentiment_score":0.1822209358215332},{"text":"Let me put it this way.","start":3083.6301,"end":3084.75,"sentiment":"neutral","sentiment_score":0.18828607350587845}],"sentiment":"neutral","sentiment_score":0.14409273175092843,"num_words":13,"start":3036.73,"end":3084.75},{"sentences":[{"text":"There's we I can model out each of the two properties because I know based on those addresses, they're pretty close to each other.","start":3084.75,"end":3092.37,"sentiment":"neutral","sentiment_score":0.3159291421373685},{"text":"So I'm more than happy to model out which ones to sell, which one to keep based on, like, the values and the growth potential of each of the properties as well.","start":3093.6301,"end":3107.165,"sentiment":"positive","sentiment_score":0.5081982174888253},{"text":"Because I can I can just look them up online with regards to sales in the area?","start":3108.425,"end":3112.03,"sentiment":"neutral","sentiment_score":0.22797805421492634},{"text":"I can have a look at where they fit.","start":3112.03,"end":3115.33,"sentiment":"neutral","sentiment_score":0.28258545365598464},{"text":"Herring Todd White provides really good statistics with regards to growth potential in each area, whether it's hit the bottom of the market, the top of the market, or whether it's on a growth spiral.","start":3115.95,"end":3126.185,"sentiment":"neutral","sentiment_score":0.2884429318564279}],"sentiment":"positive","sentiment_score":0.3449490682946311,"num_words":117,"start":3084.75,"end":3126.185},{"sentences":[{"text":"So whether it tells us, you know, we can probably sell now or whether we still haven't hit that peak for the area like, the sales area to sell in the area.","start":3126.185,"end":3136.1052,"sentiment":"neutral","sentiment_score":0.17859385581687093},{"text":"You know what I mean.","start":3136.165,"end":3137.3052,"sentiment":"neutral","sentiment_score":0.09399641156196595},{"text":"And we can go from there.","start":3138.3699,"end":3139.81,"sentiment":"neutral","sentiment_score":0.11260134230057399},{"text":"The other thing I did notice when I was obviously reviewing your file and looking over everything, you have redraws in both of your investment properties.","start":3139.81,"end":3148.95,"sentiment":"neutral","sentiment_score":-0.16044756182684347},{"text":"No.","start":3157.185,"end":3157.5852,"sentiment":"neutral","sentiment_score":-0.11299972981214523}],"sentiment":"neutral","sentiment_score":0.036799388006329536,"num_words":70,"start":3126.185,"end":3157.5852},{"sentences":[{"text":"It makes a hell of a lot more sense to put all of that money in the offset to your PPR, especially right now when your because your PPR is nontax nontax deductible interest.","start":3157.5852,"end":3171.37,"sentiment":"neutral","sentiment_score":0.26291699970469756},{"text":"So the more you can reduce down on the interest from that property, the better off you are.","start":3171.83,"end":3176.71,"sentiment":"positive","sentiment_score":0.5467171370983124},{"text":"You can continue paying the repayments that you're paying.","start":3176.71,"end":3179.7551,"sentiment":"positive","sentiment_score":0.5616930756303999},{"text":"You pay more off on the capital, and the two investment properties are tax deductible to you.","start":3179.7551,"end":3184.8152,"sentiment":"positive","sentiment_score":0.40193825434235964},{"text":"Deductible.","start":3200.81,"end":3201.31,"sentiment":"neutral","sentiment_score":0.06647767126560211}],"sentiment":"positive","sentiment_score":0.3890474953606159,"num_words":79,"start":3157.5852,"end":3201.31},{"sentences":[{"text":"Yeah.","start":3203.075,"end":3203.575,"sentiment":"neutral","sentiment_score":0.000027805566787719727},{"text":"Yeah.","start":3218.21,"end":3218.53,"sentiment":"neutral","sentiment_score":0.17032259702682495},{"text":"Because if they're positive, it means you're cash flow rich.","start":3218.53,"end":3221.19,"sentiment":"positive","sentiment_score":0.43065485209226606},{"text":"You have income coming in.","start":3221.49,"end":3222.9302,"sentiment":"positive","sentiment_score":0.480405592918396},{"text":"They're making money.","start":3222.9302,"end":3223.99,"sentiment":"positive","sentiment_score":0.4682875672976176}],"sentiment":"positive","sentiment_score":0.4141894795000553,"num_words":20,"start":3203.075,"end":3223.99},{"sentences":[{"text":"And we will definitely point.","start":3224.69,"end":3226.95,"sentiment":"positive","sentiment_score":0.34825034737586974},{"text":"We're not quite there yet.","start":3227.5251,"end":3228.985,"sentiment":"neutral","sentiment_score":-0.09065552800893784},{"text":"We need to drop some of the debt down and and just get things moving a little bit better.","start":3229.5251,"end":3234.585,"sentiment":"neutral","sentiment_score":0.15158116974328695},{"text":"The other thing we can do, just to throw a spanner in the works, is you could refi on the properties.","start":3234.8052,"end":3243.74,"sentiment":"neutral","sentiment_score":0.17283613234758377},{"text":"So I can connect you with my broker, and we can refinance the properties and shift the million dollars off your primary residence and shift it over into the investment properties.","start":3244.52,"end":3255.82,"sentiment":"neutral","sentiment_score":0.1462935891843611}],"sentiment":"neutral","sentiment_score":0.15225526377742674,"num_words":81,"start":3224.69,"end":3255.82},{"sentences":[{"text":"Because that as a whole will mean that you're not paying interest.","start":3260.275,"end":3264.055,"sentiment":"neutral","sentiment_score":-0.04984540740648905},{"text":"I have a I have I have a PPR myself, and I have a debt on it.","start":3265.075,"end":3268.595,"sentiment":"neutral","sentiment_score":-0.0559129861786085},{"text":"So when I say this, I I say this understanding I have the same position, but a home loan is actually bad debt because it's nontax deductible.","start":3268.595,"end":3277.91,"sentiment":"neutral","sentiment_score":-0.025473784569098993},{"text":"So from a accountant's point of view, a home loan is a bad debt.","start":3278.77,"end":3282.435,"sentiment":"neutral","sentiment_score":0.016625798706497465},{"text":"An investment property, great debt.","start":3282.5151,"end":3284.435,"sentiment":"neutral","sentiment_score":0.3001346081495285}],"sentiment":"neutral","sentiment_score":-0.0067069815285503865,"num_words":75,"start":3260.275,"end":3284.435},{"sentences":[{"text":"Tax deductible debt.","start":3284.435,"end":3285.395,"sentiment":"neutral","sentiment_score":0.21419602632522583},{"text":"We love tax deductible debt.","start":3285.395,"end":3287.0151,"sentiment":"positive","sentiment_score":0.34365651607513426},{"text":"It can become tax deductible.","start":3294.355,"end":3295.575,"sentiment":"neutral","sentiment_score":0.05190078020095825},{"text":"Yes.","start":3295.635,"end":3296.135,"sentiment":"neutral","sentiment_score":0.07221470028162003},{"text":"Yep.","start":3300.46,"end":3300.7,"sentiment":"neutral","sentiment_score":0.10246214270591736}],"sentiment":"neutral","sentiment_score":0.18633676022291185,"num_words":15,"start":3284.435,"end":3300.7},{"sentences":[{"text":"You can play yeah.","start":3300.7,"end":3301.42,"sentiment":"neutral","sentiment_score":0.08822321332991123},{"text":"You can play the six year rule.","start":3301.42,"end":3302.7,"sentiment":"neutral","sentiment_score":0.08681252385888781},{"text":"Correct.","start":3302.7,"end":3303.2,"sentiment":"neutral","sentiment_score":0.03966039791703224},{"text":"Yeah.","start":3305.18,"end":3305.68,"sentiment":"neutral","sentiment_score":0.051838673651218414},{"text":"So we don't have to shift the debt.","start":3305.8198,"end":3308.0598,"sentiment":"neutral","sentiment_score":-0.03140935057308525}],"sentiment":"neutral","sentiment_score":0.03813356130073468,"num_words":21,"start":3300.7,"end":3308.0598},{"sentences":[{"text":"But at the moment, until you rent it out, I would shift all the money from the redraw over onto the offset of the primary residence because your interest is calculated daily.","start":3308.0598,"end":3320.395,"sentiment":"neutral","sentiment_score":0.06964833056554198},{"text":"So the sooner you have that money sitting in the offset of the PPR, the better off you are.","start":3320.535,"end":3325.435,"sentiment":"neutral","sentiment_score":0.24609649573501788},{"text":"Yeah.","start":3333.96,"end":3334.46,"sentiment":"neutral","sentiment_score":0.12873119115829468},{"text":"Yeah.","start":3335.8,"end":3336.12,"sentiment":"neutral","sentiment_score":0.2239864319562912},{"text":"So if you shift that money over, that's gonna sit a lot better for you from an interest perspective.","start":3336.12,"end":3340.62,"sentiment":"positive","sentiment_score":0.3469329633210835}],"sentiment":"neutral","sentiment_score":0.1923475544899702,"num_words":72,"start":3308.0598,"end":3340.62},{"sentences":[{"text":"It means that this month's repayment will go off will will take more off the capital than it was interest.","start":3340.925,"end":3347.185,"sentiment":"neutral","sentiment_score":0.16201751194894315},{"text":"So it'll make you feel a little bit better there.","start":3347.7249,"end":3350.385,"sentiment":"positive","sentiment_score":0.41387306749820707},{"text":"And then until you get it rented out, it'll sit a little bit better that way.","start":3351.325,"end":3355.7449,"sentiment":"neutral","sentiment_score":0.2014811816625297},{"text":"Once it is rented out, realistically speaking, it's 61 half of the other where you put the money across all three of those, whether you have it in the redraw or we have it in the offset with respect to, you know, how it's all sitting.","start":3356.04,"end":3372.315,"sentiment":"neutral","sentiment_score":0.06011832651236783},{"text":"Yeah.","start":3387.27,"end":3387.6702,"sentiment":"neutral","sentiment_score":-0.004996797069907188}],"sentiment":"neutral","sentiment_score":0.14369060261355293,"num_words":93,"start":3340.925,"end":3387.6702},{"sentences":[{"text":"Is the com is the ComBank loan on your is that your PPR?","start":3387.6702,"end":3391.85,"sentiment":"neutral","sentiment_score":-0.01197329442948103},{"text":"Your PPR probably is less because it was done as a PPR loan.","start":3393.955,"end":3398.615,"sentiment":"neutral","sentiment_score":-0.0819058154637997},{"text":"Investment loans are actually higher.","start":3400.035,"end":3401.975,"sentiment":"neutral","sentiment_score":-0.1035424217581749},{"text":"Sorry.","start":3402.515,"end":3403.015,"sentiment":"neutral","sentiment_score":-0.10178916156291962},{"text":"Investment loan.","start":3412.8298,"end":3413.97,"sentiment":"neutral","sentiment_score":-0.04173046909272671}],"sentiment":"neutral","sentiment_score":-0.05657031285740873,"num_words":34,"start":3387.6702,"end":3413.97},{"sentences":[{"text":"Okay.","start":3415.23,"end":3415.71,"sentiment":"neutral","sentiment_score":0.0033420175313949585},{"text":"Well, now that you are across the line, maybe go and refi.","start":3415.71,"end":3420.955,"sentiment":"neutral","sentiment_score":-0.018597489222884178},{"text":"Oh, wait.","start":3421.975,"end":3422.875,"sentiment":"neutral","sentiment_score":-0.00564847607165575},{"text":"Let me have a quick look.","start":3423.975,"end":3425.2751,"sentiment":"neutral","sentiment_score":0.0027791314447919526},{"text":"Because you are if we are sitting at 1350 Yeah.","start":3425.975,"end":3442.7898,"sentiment":"neutral","sentiment_score":-0.00967431403696537}],"sentiment":"neutral","sentiment_score":-0.010038488935078345,"num_words":31,"start":3415.23,"end":3442.7898},{"sentences":[{"text":"We're sitting well below 80%, so we're good.","start":3442.7898,"end":3445.275,"sentiment":"neutral","sentiment_score":0.16056147729977965},{"text":"I just I didn't want you to go and refinance and then get hit with LMI again or lenders mortgage insurance.","start":3446.9548,"end":3452.1748,"sentiment":"negative","sentiment_score":-0.33427461697941735},{"text":"Because if you refinance and you're above 80%, you get hit with lenders mortgage insurance again.","start":3452.315,"end":3457.6948,"sentiment":"neutral","sentiment_score":-0.18056697072461247},{"text":"What you could do is you can go refinance now before you go and invest rent it out, and you can refinance under a principal place of residence loan.","start":3458.555,"end":3468.14,"sentiment":"neutral","sentiment_score":0.046033412025406444},{"text":"So you get the lower interest rate right now, and you can, from there, then go and rent it out afterwards.","start":3468.52,"end":3480.115,"sentiment":"neutral","sentiment_score":0.08270531059021041}],"sentiment":"neutral","sentiment_score":-0.058448065248759166,"num_words":95,"start":3442.7898,"end":3480.115},{"sentences":[{"text":"Obviously, while it's rented, if in the you know, while you do have have it as an investment property, if you go and refinance again, you have to do it under a under an investment loan.","start":3481.375,"end":3490.6802,"sentiment":"neutral","sentiment_score":0.022946887054584093},{"text":"But right now, because it is a PPR, you're living in that PPR, it's considered your PPR, you can do it under a mortgage loan, which will take don't don't get me wrong.","start":3490.9802,"end":3500.9048,"sentiment":"neutral","sentiment_score":0.08576894246719101},{"text":"It's generally points of a percent off, but still, that's points of a percent in your back pocket.","start":3500.9048,"end":3505.4048,"sentiment":"neutral","sentiment_score":0.13352727476093504},{"text":"That's less interest you're paying on the overall loan.","start":3505.865,"end":3508.025,"sentiment":"neutral","sentiment_score":0.10004893441994984},{"text":"And when you're dealing with a million dollar loan, they're happy days.","start":3508.025,"end":3512.4448,"sentiment":"neutral","sentiment_score":0.24293888236085573}],"sentiment":"neutral","sentiment_score":0.09144130536286091,"num_words":108,"start":3481.375,"end":3512.4448},{"sentences":[{"text":"And if if you are unhappy with your broker or they're a pain, let me know.","start":3513.42,"end":3518.24,"sentiment":"neutral","sentiment_score":-0.21059288107790053},{"text":"My broker is absolutely lovely.","start":3518.78,"end":3520.8,"sentiment":"positive","sentiment_score":0.5457121133804321},{"text":"She has done fantastic job for me personally and for a number of my clients as well.","start":3520.94,"end":3526.64,"sentiment":"positive","sentiment_score":0.6520875657305998},{"text":"And she can have a look at all three of the properties and and refinance for you.","start":3528.345,"end":3532.765,"sentiment":"neutral","sentiment_score":0.3253861586837208},{"text":"Good.","start":3541.53,"end":3542.03,"sentiment":"neutral","sentiment_score":0.3225077986717224}],"sentiment":"neutral","sentiment_score":0.2910470639887665,"num_words":56,"start":3513.42,"end":3542.03},{"sentences":[{"text":"No.","start":3542.09,"end":3542.33,"sentiment":"neutral","sentiment_score":0.07994960248470306},{"text":"That that's good.","start":3542.33,"end":3543.31,"sentiment":"neutral","sentiment_score":0.20996780196825662},{"text":"I never wanna take you away from someone you're happy with.","start":3543.37,"end":3545.9502,"sentiment":"neutral","sentiment_score":-0.03215958321975036},{"text":"I just always wanna check.","start":3546.01,"end":3547.55,"sentiment":"neutral","sentiment_score":0.03786752372980118},{"text":"Yeah.","start":3552.505,"end":3553.005,"sentiment":"neutral","sentiment_score":0.023612305521965027}],"sentiment":"neutral","sentiment_score":0.027097500816342376,"num_words":21,"start":3542.09,"end":3553.005},{"sentences":[{"text":"Absolutely.","start":3556.025,"end":3556.525,"sentiment":"neutral","sentiment_score":0.23119936883449552},{"text":"Yeah.","start":3563.945,"end":3564.445,"sentiment":"neutral","sentiment_score":0.22533050179481504},{"text":"Yep.","start":3584.075,"end":3584.315,"sentiment":"neutral","sentiment_score":0.07100354135036469},{"text":"Yeah.","start":3584.315,"end":3584.7148,"sentiment":"neutral","sentiment_score":0.06961424648761749},{"text":"So you would receive two emails.","start":3584.7148,"end":3586.315,"sentiment":"neutral","sentiment_score":0.06346162284413974}],"sentiment":"neutral","sentiment_score":0.09779173955321312,"num_words":10,"start":3556.025,"end":3586.315},{"sentences":[{"text":"One was because my system was being a pain, so I emailed I got Maddie to email you the statement of advice because I couldn't press send on some of the documents through the the sign system.","start":3586.315,"end":3601.49,"sentiment":"neutral","sentiment_score":-0.23070315976400632},{"text":"So you'll have another email that will basically say request the signature that has the statement of advice plus the supplementary documents, your PDFs, applications, everything like that.","start":3602.03,"end":3613.9648,"sentiment":"neutral","sentiment_score":-0.032823827383773665},{"text":"Don't be surprised it may be in your junk folder.","start":3614.1848,"end":3616.365,"sentiment":"neutral","sentiment_score":-0.3211790665984154},{"text":"And, yeah, you're able to sign electronically through there.","start":3618.665,"end":3623.4202,"sentiment":"neutral","sentiment_score":0.28424145840108395},{"text":"You don't have to sign today.","start":3623.72,"end":3625.08,"sentiment":"positive","sentiment_score":0.3757332886258761}],"sentiment":"neutral","sentiment_score":-0.08727002096258932,"num_words":90,"start":3586.315,"end":3625.08},{"sentences":[{"text":"You can definitely take your time to read it.","start":3625.08,"end":3626.84,"sentiment":"positive","sentiment_score":0.5610992511113485},{"text":"It is a lot of documents to go through.","start":3626.84,"end":3628.86,"sentiment":"neutral","sentiment_score":0.19828738106621635},{"text":"Realistically, everything else that's sitting there is a is a supplementary too.","start":3630.12,"end":3636.4548,"sentiment":"neutral","sentiment_score":0.11070956724385421},{"text":"The one thing you probably do need to write on with the statement advice is on the sign page, there should there's an option for you to type in the box.","start":3637.555,"end":3646.2148,"sentiment":"neutral","sentiment_score":-0.009378307949631445},{"text":"You're able to type in the box and just say that you're not currently looking to sell your PPR, that just gives me formal notice that you're not selling that PPR property.","start":3647.4,"end":3658.8398,"sentiment":"neutral","sentiment_score":-0.0724888009717688}],"sentiment":"neutral","sentiment_score":0.05970564859128127,"num_words":93,"start":3625.08,"end":3658.8398},{"sentences":[{"text":"Don't me wrong.","start":3658.8398,"end":3659.4,"sentiment":"neutral","sentiment_score":0.019657084718346596},{"text":"It's gonna be my notes following today's conversation anyway, but it's just always good having it in writing from you as well.","start":3659.4,"end":3666.315,"sentiment":"positive","sentiment_score":0.3617688248103315},{"text":"Okay.","start":3674.1348,"end":3674.6348,"sentiment":"neutral","sentiment_score":0.031152551993727684},{"text":"Yeah.","start":3677.83,"end":3678.33,"sentiment":"neutral","sentiment_score":0.00545366108417511},{"text":"Balance.","start":3687.765,"end":3688.265,"sentiment":"neutral","sentiment_score":-0.007771985605359077}],"sentiment":"neutral","sentiment_score":0.28738284383767415,"num_words":28,"start":3658.8398,"end":3688.265},{"sentences":[{"text":"Yep.","start":3688.565,"end":3689.065,"sentiment":"neutral","sentiment_score":0.012534014880657196},{"text":"Yep.","start":3690.085,"end":3690.325,"sentiment":"neutral","sentiment_score":0.00845121406018734},{"text":"So that's Not quite.","start":3690.325,"end":3703.32,"sentiment":"neutral","sentiment_score":-0.07090784842148423},{"text":"But, yeah, the in that fee table that was back up on page, like, 24 or something, where I where we talked about like, currently, you don't have an adviser under q super, but you will under hub twenty four, and there's that $8,008.08 9.","start":3703.62,"end":3720.855,"sentiment":"neutral","sentiment_score":-0.06927487730152077},{"text":"That's the advised fee.","start":3721.875,"end":3723.335,"sentiment":"neutral","sentiment_score":-0.1049796249717474}],"sentiment":"neutral","sentiment_score":-0.06908971169455484,"num_words":55,"start":3688.565,"end":3723.335},{"sentences":[{"text":"Yep.","start":3733.97,"end":3734.47,"sentiment":"neutral","sentiment_score":-0.040397945791482925},{"text":"Yep.","start":3736.4648,"end":3736.9648,"sentiment":"neutral","sentiment_score":0.004347800277173519},{"text":"Mhmm.","start":3742.305,"end":3742.4648,"sentiment":"neutral","sentiment_score":-0.010060155764222143},{"text":"If you see sales services, that advice they see as well.","start":3742.4648,"end":3746.565,"sentiment":"neutral","sentiment_score":-0.004722179252315651},{"text":"So it's charged per rider monthly.","start":3747.025,"end":3749.125,"sentiment":"neutral","sentiment_score":-0.0032279236863056813}],"sentiment":"neutral","sentiment_score":-0.0058710907585918905,"num_words":20,"start":3733.97,"end":3749.125},{"sentences":[{"text":"So if you see staff services midway through a, you know, a fee cycle or a fee arrangement, whatever you wanna call it, so partway through the year, then it would just it would drop off at the time that you chose to have it drop off.","start":3750.145,"end":3767.325,"sentiment":"neutral","sentiment_score":0.0010083071847862386},{"text":"And you would only have been charged to the pro rata amount at the time that the arrangement ceases.","start":3768.825,"end":3774.4448,"sentiment":"neutral","sentiment_score":0.003545193393763743},{"text":"Yeah.","start":3778.76,"end":3779.26,"sentiment":"positive","sentiment_score":0.37749412655830383},{"text":"Oh, amazing.","start":3782.28,"end":3783.18,"sentiment":"positive","sentiment_score":0.737872451543808},{"text":"Well, if there are any more questions that you have, please do feel free to give me a call.","start":3783.24,"end":3788.3,"sentiment":"neutral","sentiment_score":0.17787399848825053}],"sentiment":"neutral","sentiment_score":0.060768114921467546,"num_words":88,"start":3750.145,"end":3788.3},{"sentences":[{"text":"You can call into the 1300 number and ask myself or, Freddie.","start":3788.44,"end":3791.98,"sentiment":"neutral","sentiment_score":0.1104197862247626},{"text":"Madison's generally the one that answers the phone.","start":3792.5752,"end":3795.455,"sentiment":"neutral","sentiment_score":0.24974917620420456},{"text":"She's got lightning hands on that phone.","start":3795.455,"end":3797.475,"sentiment":"positive","sentiment_score":0.5365502834320068},{"text":"So nine times out of 10, you will probably speak to her.","start":3800.0151,"end":3802.675,"sentiment":"positive","sentiment_score":0.36656125634908676},{"text":"And then from there, yeah, just you can come through to me, and I'll be able to have a chat with you.","start":3804.3352,"end":3810.87,"sentiment":"neutral","sentiment_score":0.2952011227607727}],"sentiment":"neutral","sentiment_score":0.2946236492668996,"num_words":61,"start":3788.44,"end":3810.87},{"sentences":[{"text":"If it's you know, if you have any questions, qualms, concerns, you wanna have a chat about the properties, you just want someone to bounce ideas off, please feel free to give me a call.","start":3811.09,"end":3820.31,"sentiment":"neutral","sentiment_score":0.25315080199922835},{"text":"It's a, one of my favorite things to do, spitball ideas on on debts and how to how to deal with it.","start":3820.955,"end":3826.875,"sentiment":"positive","sentiment_score":0.4296844831921838},{"text":"And sometimes just having that one person to to throw ideas around kind of helps clarify things within yourself as well.","start":3826.875,"end":3834.895,"sentiment":"neutral","sentiment_score":0.3323417724598022},{"text":"Oh, absolutely.","start":3854.8708,"end":3855.691,"sentiment":"positive","sentiment_score":0.6749924421310425},{"text":"I look forward to hearing from you.","start":3855.911,"end":3857.6108,"sentiment":"positive","sentiment_score":0.7878568342753819}],"sentiment":"positive","sentiment_score":0.36962639823042115,"num_words":87,"start":3811.09,"end":3857.6108},{"sentences":[{"text":"You too, Mark.","start":3862.471,"end":3863.451,"sentiment":"positive","sentiment_score":0.48093249400456745},{"text":"Bye.","start":3863.511,"end":3864.011,"sentiment":"positive","sentiment_score":0.35395199060440063}],"sentiment":"positive","sentiment_score":0.44918736815452576,"num_words":4,"start":3862.471,"end":3864.011}]}}]},{"alternatives":[{"transcript":"Hello. Am I speaking? Hello? Yes. Speaking. Good. Thank you. How are you? I should be on a good line. There's not a Wi Fi or anything. Just in Southport. So That's alright. Hey. Good. Thanks. I'm just having an easy day. And what about yourself? Really on top of life. Yes. True. Yep. Yep. Hello? Yeah. Yeah. I've had some rethinks about my property anyway, so it's probably not the most important or yeah. I've just got a different action plan on that. Just well, instead of, well, instead of selling it, just renting it out and then living for free back with mom while it's rented, and that will service a good part of the loan. So yeah. So I've made inquiries about I've just got a got a few things to do before I put it up for rent. And then, hopefully, by July, it's it's getting rented. Around $7.70 a week. So that's yeah, better than nothing, and it's it's my probably, I also wanna keep this principal PPLR or whatever it's called. And yeah. And then just keep it for the longer term and then sell off the Southport ones that sort of don't give me much interest or joy. Yeah. But trying to not be so asset rich and cash poor. Yeah. Yep. Yeah. Yes. Yes. In my consultation list, I was asking what is the best. I didn't say that I was I I was yeah. Yeah. I was asking looking for yeah. What is the best strategy? It's not like I was suggesting this or planting seeds in his mind. I was just looking for some sort of modeling behind it or what could be the best strategy. Yes. Alright. Okay. Yeah. I was gonna I'm trying to just already done that myself. And yeah. So yeah. I just think that once that gets put into plan, then I should be a bit more cash, more positive. Yeah. But what is what is what is your well, like, with back to the superannuation. What is is there anything I should, like, should be doing better in there. No. That's I don't really invest, yeah, too much for the foreign language. Right. Yep. Yep. Mhmm. Yep. K. Just ask a question. Just in regards to your table about the cost comparisons with Super. So just you got my current one with G Super, the next one with Hub 24. So just you've got me at 9.4% with q q super with the five year rolling average and the hub twenty four thirteen point six one. Does that include the cost percentage? So after all, the line items above, that's the comparative rate at the end of the day, like, you know, five year rolling average, minus single fees and investment fees, admin fees, all that. It's that's the bottom line. Okay. Alright. Just seems like a lot of fees. But if it like, if it's a overall a a better or if it nets me more than, yeah, that's a win win, I guess. And does it also does it cover or you're saying that my insurance isn't still with QSuper? Alright. Yep. Yep. Understood. Sensible. Okay. Yep. Yep. Right. Cool. Right. Yeah. Yeah. I think it's it's a smart thing to do. Yes. Yep. Yep. Yep. Sounds sensible, and and you need that. You don't wanna be uninsured. What's with Hub twenty four, are they yeah. Yeah. Some recent super funds have taken people's money and just ran off into the distance. I forgot what names they were, but they've just recently on the news. How could I trust Hub twenty four? Are you gonna do the same? Yes. Yeah. First Guardian and Is it something she or something? Yes. Mhmm. Yes. Yeah. I agree. No. No. I just was yeah. Just wondering. Just making sure that I'm not yeah. I just had to travel get my yeah. Have to ask the question. Yep. True that. Yeah. Yeah. Yep. It's good. Good that they're in trouble. Well, not to be ever in the industry again. Yeah. It makes me wonder if they're now living it up in the Cayman Islands or whatever offshore tax havens. They've divested their these poor people's funds too. But yeah. Yep. Yep. Alright. Okay. As long as hub twenty four is not part of that. Yeah. Connections. Yes. Yep. Alright. No. No. No. I trust you. You just just yeah. Just that old scheme of things just sorta has lost, lost my faith in some of the super funds or if it is a super what do you call it? Is it a super fund? Yep. Yeah. There's no there's no saying that QSuper could do the same. So it is what it is. Yes. Yeah. Yeah. Yeah. I've always wondered what how aggressive like, in my aggressive portfolio, what the the G Super investment team are highlighting as where they're putting my money. Like, exactly. Yeah. But and it's I cannot see that. Yeah. Well, yeah. Could yeah. Many rabbit holes to go down, but that's what shits me is that this is the transparency of it. Yep. Alright. What else can we talk about? Yeah. So now I'm well, with yeah. I now do one hour, but also but now Albo's gone and changed the rules, and that's probably yeah. I need to it's probably more of an emotional decision than a strategic smart decision. But also part of it is I'm paying all this land tax every year because I've got two Queensland properties. And the state government's got their hands on or into me. So, yeah, I was thinking if I have one Queensland, one New South Wales, probably that land tax sort of gets nullified a bit more or probably halved. It's like almost $7,000 last year, and it keeps creeping up. And that's pure cash that I can claim. Funnily enough, I can claim tax on. So I don't know what the hell that's about. But, yeah, it's I'm just gonna yeah. I I know I'm just not in a mindset where I I know what I'm doing. This is right. But I think, yeah, just my my gut feel is that one of the Queensland one ones has to go. But when it goes is is the other question. Yeah. That's what I'm probably not doing the best with as well. Yeah. Yeah. That's so I went down a negative gear and then a positive gear, and then I should have just been negative gearing the whole time just to maximize my tax return every July or whatever. And yeah. So I lost my way thinking if I had them positive geared, then I shouldn't need to be taxed. Yeah. Getting yeah. Yep. Oh, yeah? Yeah. But then if I do start renting out this PPR one, Oh, yeah. For for six years, if you play the six year rule thing. So that's what I was gonna do. Yep. Yep. Agreed. Some of the housekeeping things I need to know and do. Yeah. Yep. Well, I'm probably I've got a Commonwealth Bank loan versus two UBank loans. I'm probably I'm paying more interest on the Commonwealth Bank. But yeah. That's all. The interest is all tax deductible. But yeah. Alright. Oh, yeah. Well, I think my broker at the time to get me across the line put me on as a investment loan. Yeah. Yep. Yes. Yeah. Yeah. She was my broker was pretty good. And but I think yeah. I'm happy with her. Yeah. But yeah. But I will ask her the question about changing the loan to a PPR loan. Yep. So now now that I've been in it for twelve, fourteen months, so, yep, good good idea. What's so to engage your services to guide me through all what we've just talked about. What's the so I sign on the document and send it back to you. Yes. Yep. Yes. Alright. No worries. I'll review these docs and be in touch. Oh, yeah. Just it is I think Madison mentioned it's like about it's based on my the fee structure is based on my super balance. And that what is I think she was mentioning it's around a thousand dollars a month. Okay. And should I disengage your services in six months' time or whenever? Would that advice be still be ongoing in Hub twenty four? Yep. Yeah. Alright. Okay. Good to know. Alright. That's all I've got for today. Sure. Yes. Thanks for your offer, and I will probably take you up on it. And, yeah, I'll have a look at these docs, and I'll be in touch hopefully before the end of this month. Alright. Okay. Thanks for your time, and have a good day. See you. 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Am I speaking? Hello? Yes. Speaking.\n\nGood. Thank you. How are you? I should be on a good line. There's not a Wi Fi or anything.\n\nJust in Southport. So That's alright. Hey. Good. Thanks.\n\nI'm just having an easy day. And what about yourself? Really on top of life. Yes. True.\n\nYep. Yep. Hello? Yeah. Yeah.\n\nI've had some rethinks about my property anyway, so it's probably not the most important or yeah. I've just got a different action plan on that. Just well, instead of, well, instead of selling it, just renting it out and then living for free back with mom while it's rented, and that will service a good part of the loan. So yeah. So I've made inquiries about I've just got a got a few things to do before I put it up for rent.\n\nAnd then, hopefully, by July, it's it's getting rented. Around $7.70 a week. So that's yeah, better than nothing, and it's it's my probably, I also wanna keep this principal PPLR or whatever it's called. And yeah. And then just keep it for the longer term and then sell off the Southport ones that sort of don't give me much interest or joy.\n\nYeah. But trying to not be so asset rich and cash poor. Yeah. Yep. Yeah.\n\nYes. Yes. In my consultation list, I was asking what is the best. I didn't say that I was I I was yeah. Yeah.\n\nI was asking looking for yeah. What is the best strategy? It's not like I was suggesting this or planting seeds in his mind. I was just looking for some sort of modeling behind it or what could be the best strategy. Yes.\n\nAlright. Okay. Yeah. I was gonna I'm trying to just already done that myself. And yeah.\n\nSo yeah. I just think that once that gets put into plan, then I should be a bit more cash, more positive. Yeah. But what is what is what is your well, like, with back to the superannuation. What is is there anything I should, like, should be doing better in there.\n\nNo. That's I don't really invest, yeah, too much for the foreign language. Right. Yep. Yep.\n\nMhmm. Yep. K. Just ask a question. Just in regards to your table about the cost comparisons with Super.\n\nSo just you got my current one with G Super, the next one with Hub 24. So just you've got me at 9.4% with q q super with the five year rolling average and the hub twenty four thirteen point six one. Does that include the cost percentage? So after all, the line items above, that's the comparative rate at the end of the day, like, you know, five year rolling average, minus single fees and investment fees, admin fees, all that. It's that's the bottom line.\n\nOkay. Alright. Just seems like a lot of fees. But if it like, if it's a overall a a better or if it nets me more than, yeah, that's a win win, I guess. And does it also does it cover or you're saying that my insurance isn't still with QSuper?\n\nAlright. Yep. Yep. Understood. Sensible.\n\nOkay. Yep. Yep. Right. Cool.\n\nRight. Yeah. Yeah. I think it's it's a smart thing to do. Yes.\n\nYep. Yep. Yep. Sounds sensible, and and you need that. You don't wanna be uninsured.\n\nWhat's with Hub twenty four, are they yeah. Yeah. Some recent super funds have taken people's money and just ran off into the distance. I forgot what names they were, but they've just recently on the news. How could I trust Hub twenty four?\n\nAre you gonna do the same? Yes. Yeah. First Guardian and Is it something she or something? Yes.\n\nMhmm. Yes. Yeah. I agree. No.\n\nNo. I just was yeah. Just wondering. Just making sure that I'm not yeah. I just had to travel get my yeah.\n\nHave to ask the question. Yep. True that. Yeah. Yeah.\n\nYep. It's good. Good that they're in trouble. Well, not to be ever in the industry again. Yeah.\n\nIt makes me wonder if they're now living it up in the Cayman Islands or whatever offshore tax havens. They've divested their these poor people's funds too. But yeah. Yep. Yep.\n\nAlright. Okay. As long as hub twenty four is not part of that. Yeah. Connections.\n\nYes. Yep. Alright. No. No.\n\nNo. I trust you. You just just yeah. Just that old scheme of things just sorta has lost, lost my faith in some of the super funds or if it is a super what do you call it? Is it a super fund?\n\nYep. Yeah. There's no there's no saying that QSuper could do the same. So it is what it is. Yes.\n\nYeah. Yeah. Yeah. I've always wondered what how aggressive like, in my aggressive portfolio, what the the G Super investment team are highlighting as where they're putting my money. Like, exactly.\n\nYeah. But and it's I cannot see that. Yeah. Well, yeah. Could yeah.\n\nMany rabbit holes to go down, but that's what shits me is that this is the transparency of it. Yep. Alright. What else can we talk about? Yeah.\n\nSo now I'm well, with yeah. I now do one hour, but also but now Albo's gone and changed the rules, and that's probably yeah. I need to it's probably more of an emotional decision than a strategic smart decision. But also part of it is I'm paying all this land tax every year because I've got two Queensland properties. And the state government's got their hands on or into me.\n\nSo, yeah, I was thinking if I have one Queensland, one New South Wales, probably that land tax sort of gets nullified a bit more or probably halved. It's like almost $7,000 last year, and it keeps creeping up. And that's pure cash that I can claim. Funnily enough, I can claim tax on. So I don't know what the hell that's about.\n\nBut, yeah, it's I'm just gonna yeah. I I know I'm just not in a mindset where I I know what I'm doing. This is right. But I think, yeah, just my my gut feel is that one of the Queensland one ones has to go. But when it goes is is the other question.\n\nYeah. That's what I'm probably not doing the best with as well. Yeah. Yeah. That's so I went down a negative gear and then a positive gear, and then I should have just been negative gearing the whole time just to maximize my tax return every July or whatever.\n\nAnd yeah. So I lost my way thinking if I had them positive geared, then I shouldn't need to be taxed. Yeah. Getting yeah. Yep.\n\nOh, yeah? Yeah. But then if I do start renting out this PPR one, Oh, yeah. For for six years, if you play the six year rule thing. So that's what I was gonna do.\n\nYep. Yep. Agreed. Some of the housekeeping things I need to know and do. Yeah.\n\nYep. Well, I'm probably I've got a Commonwealth Bank loan versus two UBank loans. I'm probably I'm paying more interest on the Commonwealth Bank. But yeah. That's all.\n\nThe interest is all tax deductible. But yeah. Alright. Oh, yeah. Well, I think my broker at the time to get me across the line put me on as a investment loan.\n\nYeah. Yep. Yes. Yeah. Yeah.\n\nShe was my broker was pretty good. And but I think yeah. I'm happy with her. Yeah. But yeah.\n\nBut I will ask her the question about changing the loan to a PPR loan. Yep. So now now that I've been in it for twelve, fourteen months, so, yep, good good idea. What's so to engage your services to guide me through all what we've just talked about. What's the so I sign on the document and send it back to you.\n\nYes. Yep. Yes. Alright. No worries.\n\nI'll review these docs and be in touch. Oh, yeah. Just it is I think Madison mentioned it's like about it's based on my the fee structure is based on my super balance. And that what is I think she was mentioning it's around a thousand dollars a month. Okay.\n\nAnd should I disengage your services in six months' time or whenever? Would that advice be still be ongoing in Hub twenty four? Yep. Yeah. Alright.\n\nOkay. Good to know. Alright. That's all I've got for today. Sure.\n\nYes. Thanks for your offer, and I will probably take you up on it. And, yeah, I'll have a look at these docs, and I'll be in touch hopefully before the end of this month. Alright. Okay.\n\nThanks for your time, and have a good day. See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.32,"end":2.56,"sentiment":"neutral","sentiment_score":0.008808284066617489},{"text":"Am I speaking?","start":2.56,"end":3.46,"sentiment":"neutral","sentiment_score":0.00319547097509106},{"text":"Hello?","start":6.48,"end":6.98,"sentiment":"neutral","sentiment_score":0.0031270512845367193},{"text":"Yes.","start":14.025,"end":14.264999,"sentiment":"neutral","sentiment_score":0.031067127361893657},{"text":"Speaking.","start":14.264999,"end":14.764999,"sentiment":"neutral","sentiment_score":0.028206970542669296}],"sentiment":"neutral","sentiment_score":0.011542263740141476,"num_words":7,"start":2.32,"end":14.764999},{"sentences":[{"text":"Good.","start":18.825,"end":19.145,"sentiment":"positive","sentiment_score":0.6070407629013062},{"text":"Thank you.","start":19.145,"end":19.705,"sentiment":"positive","sentiment_score":0.6440494954586029},{"text":"How are 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rent.","start":289.935,"end":305.835,"sentiment":"neutral","sentiment_score":0.11536629870533943}],"sentiment":"neutral","sentiment_score":0.06399008343439727,"num_words":84,"start":243.29,"end":305.835},{"sentences":[{"text":"And then, hopefully, by July, it's it's getting rented.","start":306.07498,"end":311.775,"sentiment":"neutral","sentiment_score":0.17411089605755276},{"text":"Around $7.70 a week.","start":343.425,"end":346.085,"sentiment":"neutral","sentiment_score":0.0628245361149311},{"text":"So that's yeah, better than nothing, and it's it's my probably, I also wanna keep this principal PPLR or whatever it's called.","start":347.985,"end":362.0,"sentiment":"neutral","sentiment_score":0.2629222111268477},{"text":"And yeah.","start":363.185,"end":365.185,"sentiment":"neutral","sentiment_score":0.06195918098092079},{"text":"And then just keep it for the longer term and then sell off the Southport ones that sort of don't give me much interest or 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yeah.","start":796.61005,"end":802.47003,"sentiment":"neutral","sentiment_score":-0.21309309657663106},{"text":"Yeah.","start":802.69,"end":803.01,"sentiment":"neutral","sentiment_score":0.017687980085611343}],"sentiment":"neutral","sentiment_score":-0.07786370107593636,"num_words":24,"start":525.84,"end":803.01},{"sentences":[{"text":"I was asking looking for yeah.","start":803.01,"end":806.61005,"sentiment":"neutral","sentiment_score":-0.0025632139295339584},{"text":"What is the best strategy?","start":806.61005,"end":808.79004,"sentiment":"neutral","sentiment_score":-0.005122777074575424},{"text":"It's not like I was suggesting this or planting seeds in his mind.","start":809.41003,"end":815.515,"sentiment":"neutral","sentiment_score":-0.1572845452106916},{"text":"I was just looking for some sort of modeling behind it or what could be the best 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there.","start":1000.13,"end":1016.27747,"sentiment":"neutral","sentiment_score":-0.030803042597004344}],"sentiment":"neutral","sentiment_score":0.10386124400135416,"num_words":52,"start":967.74,"end":1016.27747},{"sentences":[{"text":"No.","start":1207.12,"end":1207.44,"sentiment":"negative","sentiment_score":-0.3939692378044128},{"text":"That's I don't really invest, yeah, too much for the foreign 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question.","start":1605.735,"end":1606.875,"sentiment":"neutral","sentiment_score":0.055399421602487564},{"text":"Just in regards to your table about the cost comparisons with Super.","start":1609.015,"end":1614.59,"sentiment":"neutral","sentiment_score":0.08037556832035382}],"sentiment":"neutral","sentiment_score":0.0787965119571278,"num_words":19,"start":1464.4149,"end":1614.59},{"sentences":[{"text":"So just you got my current one with G Super, the next one with Hub 24.","start":1617.77,"end":1625.55,"sentiment":"neutral","sentiment_score":0.12741533713415265},{"text":"So just you've got me at 9.4% with q q super with the five year rolling average and the hub twenty four thirteen point six one.","start":1628.3151,"end":1640.655,"sentiment":"neutral","sentiment_score":0.26017898779649},{"text":"Does that include the cost percentage?","start":1642.2101,"end":1646.4701,"sentiment":"neutral","sentiment_score":0.08961123103896777},{"text":"So after all, the line items above, that's the comparative rate at the end of the day, like, you know, five year rolling average, minus single fees and investment fees, admin fees, all that.","start":1651.5701,"end":1671.89,"sentiment":"neutral","sentiment_score":0.17452765321906874},{"text":"It's that's the bottom line.","start":1673.31,"end":1677.57,"sentiment":"neutral","sentiment_score":0.23093621134757997}],"sentiment":"neutral","sentiment_score":0.18884583596868076,"num_words":87,"start":1617.77,"end":1677.57},{"sentences":[{"text":"Okay.","start":1679.55,"end":1680.05,"sentiment":"neutral","sentiment_score":0.1479157954454422},{"text":"Alright.","start":1682.99,"end":1683.39,"sentiment":"neutral","sentiment_score":0.03424198180437088},{"text":"Just seems like a lot of fees.","start":1683.39,"end":1686.465,"sentiment":"neutral","sentiment_score":-0.15706065722874232},{"text":"But if it like, if it's a overall a a better or if it nets me more than, yeah, that's a win win, I guess.","start":1688.365,"end":1700.9601,"sentiment":"positive","sentiment_score":0.4620455002784729},{"text":"And does it also does it cover or you're saying that my insurance isn't still with 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something?","start":2393.085,"end":2405.58,"sentiment":"neutral","sentiment_score":-0.033185469607512154},{"text":"Yes.","start":2486.98,"end":2487.48,"sentiment":"neutral","sentiment_score":-0.10672976821660995}],"sentiment":"neutral","sentiment_score":-0.057666365885072284,"num_words":18,"start":2266.6099,"end":2487.48},{"sentences":[{"text":"Mhmm.","start":2519.655,"end":2520.155,"sentiment":"neutral","sentiment_score":-0.011756706982851028},{"text":"Yes.","start":2527.1775,"end":2527.6775,"sentiment":"neutral","sentiment_score":-0.06144564598798752},{"text":"Yeah.","start":2562.5498,"end":2563.0498,"sentiment":"neutral","sentiment_score":-0.11206652224063872},{"text":"I 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again.","start":2692.2349,"end":2695.4548,"sentiment":"neutral","sentiment_score":-0.1290796564684974},{"text":"Yeah.","start":2710.2,"end":2710.52,"sentiment":"neutral","sentiment_score":-0.13782617449760437}],"sentiment":"neutral","sentiment_score":-0.012711862360851632,"num_words":18,"start":2686.8599,"end":2710.52},{"sentences":[{"text":"It makes me wonder if they're now living it up in the Cayman Islands or whatever offshore tax havens.","start":2710.52,"end":2717.18,"sentiment":"neutral","sentiment_score":-0.2788773312380439},{"text":"They've divested their these poor people's funds too.","start":2718.555,"end":2722.875,"sentiment":"negative","sentiment_score":-0.36792721785604954},{"text":"But yeah.","start":2722.875,"end":2733.215,"sentiment":"neutral","sentiment_score":-0.20126327127218246},{"text":"Yep.","start":2741.99,"end":2742.49,"sentiment":"neutral","sentiment_score":-0.06473393738269806},{"text":"Yep.","start":2743.23,"end":2743.73,"sentiment":"neutral","sentiment_score":-0.07056747376918793}],"sentiment":"neutral","sentiment_score":-0.28322306419572524,"num_words":31,"start":2710.52,"end":2743.73},{"sentences":[{"text":"Alright.","start":2744.47,"end":2744.97,"sentiment":"neutral","sentiment_score":-0.116642527282238},{"text":"Okay.","start":2745.99,"end":2746.49,"sentiment":"neutral","sentiment_score":-0.09576141834259032},{"text":"As long as hub twenty four is not part of 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trust you.","start":2811.4048,"end":2812.285,"sentiment":"negative","sentiment_score":-0.48335179686546326},{"text":"You just just yeah.","start":2812.285,"end":2814.205,"sentiment":"negative","sentiment_score":-0.34566909074783325},{"text":"Just that old scheme of things just sorta has lost, lost my faith in some of the super funds or if it is a super what do you call it?","start":2814.205,"end":2825.66,"sentiment":"neutral","sentiment_score":-0.23819113100568454},{"text":"Is it a super fund?","start":2826.28,"end":2827.66,"sentiment":"neutral","sentiment_score":-0.056341105699539186}],"sentiment":"neutral","sentiment_score":-0.24748202482628268,"num_words":43,"start":2811.2449,"end":2827.66},{"sentences":[{"text":"Yep.","start":2830.44,"end":2830.94,"sentiment":"neutral","sentiment_score":0.06703878194093704},{"text":"Yeah.","start":2835.725,"end":2836.0452,"sentiment":"neutral","sentiment_score":0.008164102211594582},{"text":"There's no there's no saying that QSuper could do the same.","start":2836.0452,"end":2840.865,"sentiment":"neutral","sentiment_score":-0.1104358048601584},{"text":"So it is what it is.","start":2841.245,"end":2843.2651,"sentiment":"neutral","sentiment_score":-0.03213307075202465},{"text":"Yes.","start":2875.89,"end":2876.39,"sentiment":"neutral","sentiment_score":0.06780807673931122}],"sentiment":"neutral","sentiment_score":-0.06322906585410237,"num_words":20,"start":2830.44,"end":2876.39},{"sentences":[{"text":"Yeah.","start":2878.45,"end":2878.95,"sentiment":"neutral","sentiment_score":0.046416908502578735},{"text":"Yeah.","start":2892.495,"end":2892.655,"sentiment":"neutral","sentiment_score":0.021845519542694092},{"text":"Yeah.","start":2892.655,"end":2892.895,"sentiment":"neutral","sentiment_score":0.019637832418084145},{"text":"I've always wondered what how aggressive like, in my aggressive portfolio, what the the G Super investment team are highlighting as where they're putting my money.","start":2892.895,"end":2909.25,"sentiment":"neutral","sentiment_score":0.015036175600611247},{"text":"Like, exactly.","start":2909.39,"end":2910.29,"sentiment":"neutral","sentiment_score":-0.010015590116381647}],"sentiment":"neutral","sentiment_score":0.014800311156338262,"num_words":31,"start":2878.45,"end":2910.29},{"sentences":[{"text":"Yeah.","start":2912.19,"end":2912.69,"sentiment":"neutral","sentiment_score":-0.009235220029950142},{"text":"But and it's I cannot see that.","start":2912.75,"end":2915.995,"sentiment":"neutral","sentiment_score":-0.1211838951068265},{"text":"Yeah.","start":2926.65,"end":2927.15,"sentiment":"neutral","sentiment_score":0.005147754214704037},{"text":"Well, yeah.","start":2932.17,"end":2933.0698,"sentiment":"neutral","sentiment_score":-0.0642325859516859},{"text":"Could yeah.","start":2933.13,"end":2933.8499,"sentiment":"neutral","sentiment_score":-0.08409211039543152}],"sentiment":"neutral","sentiment_score":-0.08838647109671281,"num_words":13,"start":2912.19,"end":2933.8499},{"sentences":[{"text":"Many rabbit holes to go down, but that's what shits me is that this is the transparency of it.","start":2933.8499,"end":2939.985,"sentiment":"neutral","sentiment_score":-0.2559884606223357},{"text":"Yep.","start":2944.865,"end":2945.3452,"sentiment":"neutral","sentiment_score":0.05019735544919968},{"text":"Alright.","start":2945.3452,"end":2945.8452,"sentiment":"neutral","sentiment_score":0.059503089636564255},{"text":"What else can we talk about?","start":2948.7852,"end":2951.2852,"sentiment":"neutral","sentiment_score":0.02348160898933808},{"text":"Yeah.","start":2976.225,"end":2976.725,"sentiment":"neutral","sentiment_score":0.02453301101922989}],"sentiment":"neutral","sentiment_score":-0.1638806300636913,"num_words":28,"start":2933.8499,"end":2976.725},{"sentences":[{"text":"So now I'm well, with yeah.","start":2977.0251,"end":2980.7852,"sentiment":"neutral","sentiment_score":-0.0007761965195337931},{"text":"I now do one hour, but also but now Albo's gone and changed the rules, and that's probably yeah.","start":2980.7852,"end":2990.6,"sentiment":"neutral","sentiment_score":-0.13222760824780716},{"text":"I need to it's probably more of an emotional decision than a strategic smart decision.","start":2990.9001,"end":3000.055,"sentiment":"neutral","sentiment_score":-0.24923149694999058},{"text":"But also part of it is I'm paying all this land tax every year because I've got two Queensland properties.","start":3000.9949,"end":3008.855,"sentiment":"neutral","sentiment_score":-0.06499469038099051},{"text":"And the state government's got their hands on or into me.","start":3009.97,"end":3015.11,"sentiment":"neutral","sentiment_score":-0.24838785691694779}],"sentiment":"neutral","sentiment_score":-0.1448959777997413,"num_words":71,"start":2977.0251,"end":3015.11},{"sentences":[{"text":"So, yeah, I was thinking if I have one Queensland, one New South Wales, probably that land tax sort of gets nullified a bit more or probably halved.","start":3015.57,"end":3030.225,"sentiment":"neutral","sentiment_score":-0.2180147665951933},{"text":"It's like almost $7,000 last year, and it keeps creeping up.","start":3030.925,"end":3036.225,"sentiment":"negative","sentiment_score":-0.4863934002139352},{"text":"And that's pure cash that I can claim.","start":3037.5652,"end":3042.51,"sentiment":"neutral","sentiment_score":0.16386209428310394},{"text":"Funnily enough, I can claim tax on.","start":3042.51,"end":3044.77,"sentiment":"neutral","sentiment_score":0.08567926660180092},{"text":"So I don't know what the hell that's about.","start":3045.63,"end":3048.2898,"sentiment":"neutral","sentiment_score":-0.19581354243887794}],"sentiment":"neutral","sentiment_score":-0.17946684330938353,"num_words":63,"start":3015.57,"end":3048.2898},{"sentences":[{"text":"But, yeah, it's I'm just gonna yeah.","start":3050.27,"end":3056.365,"sentiment":"neutral","sentiment_score":-0.08053120917507581},{"text":"I I know I'm just not in a mindset where I I know what I'm doing.","start":3056.585,"end":3063.805,"sentiment":"neutral","sentiment_score":-0.2600496942177415},{"text":"This is right.","start":3064.745,"end":3065.565,"sentiment":"neutral","sentiment_score":0.11794863392909367},{"text":"But I think, yeah, just my my gut feel is that one of the Queensland one ones has to go.","start":3067.71,"end":3076.3699,"sentiment":"neutral","sentiment_score":-0.08157930243760347},{"text":"But when it goes is is the other question.","start":3076.75,"end":3080.3699,"sentiment":"neutral","sentiment_score":0.06125084186593691}],"sentiment":"neutral","sentiment_score":-0.0991090207614682,"num_words":55,"start":3050.27,"end":3080.3699},{"sentences":[{"text":"Yeah.","start":3150.495,"end":3150.995,"sentiment":"neutral","sentiment_score":-0.24516841769218445},{"text":"That's what I'm probably not doing the best with as well.","start":3151.2952,"end":3156.69,"sentiment":"negative","sentiment_score":-0.5312200459566984},{"text":"Yeah.","start":3163.8699,"end":3164.3699,"sentiment":"neutral","sentiment_score":0.3287212550640106},{"text":"Yeah.","start":3184.95,"end":3185.45,"sentiment":"neutral","sentiment_score":0.10235956311225893},{"text":"That's so I went down a negative gear and then a positive gear, and then I should have just been negative gearing the whole time just to maximize my tax return every July or whatever.","start":3185.51,"end":3204.9749,"sentiment":"neutral","sentiment_score":-0.01930400292788233}],"sentiment":"neutral","sentiment_score":-0.1292479226023567,"num_words":49,"start":3150.495,"end":3204.9749},{"sentences":[{"text":"And yeah.","start":3205.355,"end":3207.055,"sentiment":"neutral","sentiment_score":0.00315050408244133},{"text":"So I lost my way thinking if I had them positive geared, then I shouldn't need to be taxed.","start":3207.1948,"end":3216.205,"sentiment":"neutral","sentiment_score":-0.06726821759519608},{"text":"Yeah.","start":3216.205,"end":3216.68,"sentiment":"neutral","sentiment_score":0.10885016620159148},{"text":"Getting yeah.","start":3216.68,"end":3222.07,"sentiment":"neutral","sentiment_score":0.2963763177394867},{"text":"Yep.","start":3234.805,"end":3235.305,"sentiment":"neutral","sentiment_score":0.14562764763832092}],"sentiment":"neutral","sentiment_score":-0.016982587072998285,"num_words":25,"start":3205.355,"end":3235.305},{"sentences":[{"text":"Oh, yeah?","start":3257.845,"end":3258.5051,"sentiment":"neutral","sentiment_score":0.01903393119573593},{"text":"Yeah.","start":3287.635,"end":3288.115,"sentiment":"neutral","sentiment_score":0.10166312754154204},{"text":"But then if I do start renting out this PPR one, Oh, yeah.","start":3288.115,"end":3296.51,"sentiment":"neutral","sentiment_score":0.05878071171733049},{"text":"For for six years, if you play the six year rule thing.","start":3296.6501,"end":3300.11,"sentiment":"neutral","sentiment_score":0.06861293440063794},{"text":"So that's what I was gonna do.","start":3300.57,"end":3304.59,"sentiment":"neutral","sentiment_score":0.10355586239269801}],"sentiment":"neutral","sentiment_score":0.07006075690899577,"num_words":35,"start":3257.845,"end":3304.59},{"sentences":[{"text":"Yep.","start":3318.255,"end":3318.755,"sentiment":"neutral","sentiment_score":0.09270162880420683},{"text":"Yep.","start":3326.41,"end":3326.73,"sentiment":"neutral","sentiment_score":0.17365488409996033},{"text":"Agreed.","start":3326.73,"end":3327.23,"sentiment":"neutral","sentiment_score":0.29853010177612305},{"text":"Some of the housekeeping things I need to know and do.","start":3329.3699,"end":3334.27,"sentiment":"neutral","sentiment_score":0.05802075530995022},{"text":"Yeah.","start":3335.265,"end":3335.765,"sentiment":"neutral","sentiment_score":0.16565336287021637}],"sentiment":"neutral","sentiment_score":0.09125121906399727,"num_words":15,"start":3318.255,"end":3335.765},{"sentences":[{"text":"Yep.","start":3369.615,"end":3370.115,"sentiment":"neutral","sentiment_score":0.04506378620862961},{"text":"Well, I'm probably I've got a Commonwealth Bank loan versus two UBank loans.","start":3373.4548,"end":3378.255,"sentiment":"neutral","sentiment_score":-0.06903325895277354},{"text":"I'm probably I'm paying more interest on the Commonwealth Bank.","start":3378.255,"end":3383.1199,"sentiment":"neutral","sentiment_score":-0.10062794461846351},{"text":"But yeah.","start":3383.1199,"end":3383.76,"sentiment":"neutral","sentiment_score":-0.044745758175849915},{"text":"That's all.","start":3383.76,"end":3384.32,"sentiment":"neutral","sentiment_score":-0.02612267341464758}],"sentiment":"neutral","sentiment_score":-0.07144231748368059,"num_words":28,"start":3369.615,"end":3384.32},{"sentences":[{"text":"The interest is all tax deductible.","start":3384.32,"end":3386.1,"sentiment":"neutral","sentiment_score":0.004339260359605153},{"text":"But yeah.","start":3386.16,"end":3392.82,"sentiment":"neutral","sentiment_score":-0.015407418832182884},{"text":"Alright.","start":3399.295,"end":3399.795,"sentiment":"neutral","sentiment_score":-0.0008921008557081223},{"text":"Oh, yeah.","start":3399.855,"end":3400.595,"sentiment":"neutral","sentiment_score":-0.0335796638391912},{"text":"Well, I think my broker at the time to get me across the line put me on as a investment loan.","start":3404.415,"end":3414.11,"sentiment":"neutral","sentiment_score":-0.06126608894694419}],"sentiment":"neutral","sentiment_score":-0.04248183037270792,"num_words":32,"start":3384.32,"end":3414.11},{"sentences":[{"text":"Yeah.","start":3414.11,"end":3414.61,"sentiment":"neutral","sentiment_score":0.003864409402012825},{"text":"Yep.","start":3458.7551,"end":3459.2551,"sentiment":"neutral","sentiment_score":0.02472636103630066},{"text":"Yes.","start":3468.8699,"end":3469.3699,"sentiment":"neutral","sentiment_score":0.07193590700626373},{"text":"Yeah.","start":3505.9102,"end":3506.4102,"sentiment":"neutral","sentiment_score":0.10537533462047576},{"text":"Yeah.","start":3533.18,"end":3533.68,"sentiment":"neutral","sentiment_score":0.30124762654304504}],"sentiment":"neutral","sentiment_score":0.1014299277216196,"num_words":5,"start":3414.11,"end":3533.68},{"sentences":[{"text":"She was my broker was pretty good.","start":3534.46,"end":3536.865,"sentiment":"positive","sentiment_score":0.43841758370399475},{"text":"And but I think yeah.","start":3537.185,"end":3538.725,"sentiment":"neutral","sentiment_score":0.32508506178855895},{"text":"I'm happy with her.","start":3539.145,"end":3541.125,"sentiment":"positive","sentiment_score":0.4593266174197197},{"text":"Yeah.","start":3542.545,"end":3542.945,"sentiment":"neutral","sentiment_score":0.131866917014122},{"text":"But yeah.","start":3542.945,"end":3546.885,"sentiment":"neutral","sentiment_score":0.0677106836810708}],"sentiment":"positive","sentiment_score":0.3578391131013632,"num_words":19,"start":3534.46,"end":3546.885},{"sentences":[{"text":"But I will ask her the question about changing the loan to a PPR loan.","start":3547.825,"end":3554.5598,"sentiment":"neutral","sentiment_score":0.023429986089468002},{"text":"Yep.","start":3556.3,"end":3556.8,"sentiment":"neutral","sentiment_score":0.13863711059093475},{"text":"So now now that I've been in it for twelve, fourteen months, so, yep, good good idea.","start":3557.8198,"end":3564.595,"sentiment":"neutral","sentiment_score":0.16786257396726048},{"text":"What's so to engage your services to guide me through all what we've just talked about.","start":3567.375,"end":3577.19,"sentiment":"neutral","sentiment_score":0.17124941339716315},{"text":"What's the so I sign on the document and send it back to you.","start":3579.01,"end":3584.07,"sentiment":"neutral","sentiment_score":0.0711463817528316}],"sentiment":"neutral","sentiment_score":0.11237762886143866,"num_words":63,"start":3547.825,"end":3584.07},{"sentences":[{"text":"Yes.","start":3618.85,"end":3619.35,"sentiment":"neutral","sentiment_score":0.14490792155265808},{"text":"Yep.","start":3662.3699,"end":3662.8699,"sentiment":"positive","sentiment_score":0.35755300521850586},{"text":"Yes.","start":3666.6099,"end":3667.1099,"sentiment":"neutral","sentiment_score":0.15855184197425842},{"text":"Alright.","start":3667.17,"end":3667.67,"sentiment":"neutral","sentiment_score":0.2016552537679672},{"text":"No worries.","start":3667.97,"end":3668.79,"sentiment":"neutral","sentiment_score":0.2019483372569084}],"sentiment":"neutral","sentiment_score":0.21109411617120108,"num_words":6,"start":3618.85,"end":3668.79},{"sentences":[{"text":"I'll review these docs and be in touch.","start":3669.3298,"end":3673.51,"sentiment":"neutral","sentiment_score":0.17951111309230328},{"text":"Oh, yeah.","start":3673.97,"end":3674.3699,"sentiment":"neutral","sentiment_score":0.04600919969379902},{"text":"Just it is I think Madison mentioned it's like about it's based on my the fee structure is based on my super balance.","start":3674.3699,"end":3687.935,"sentiment":"neutral","sentiment_score":-0.007980716212288193},{"text":"And that what is I think she was mentioning it's around a thousand dollars a month.","start":3690.1602,"end":3700.665,"sentiment":"neutral","sentiment_score":-0.043300529941916466},{"text":"Okay.","start":3724.7898,"end":3725.2898,"sentiment":"neutral","sentiment_score":-0.04223313182592392}],"sentiment":"neutral","sentiment_score":0.012190184406936169,"num_words":50,"start":3669.3298,"end":3725.2898},{"sentences":[{"text":"And should I disengage your services in six months' time or whenever?","start":3726.3098,"end":3736.155,"sentiment":"neutral","sentiment_score":-0.05460648921628793},{"text":"Would that advice be still be ongoing in Hub twenty four?","start":3737.415,"end":3742.28,"sentiment":"neutral","sentiment_score":-0.01473212106661363},{"text":"Yep.","start":3767.675,"end":3768.175,"sentiment":"neutral","sentiment_score":0.1030181646347046},{"text":"Yeah.","start":3775.17,"end":3775.67,"sentiment":"neutral","sentiment_score":0.10133545100688934},{"text":"Alright.","start":3775.97,"end":3776.47,"sentiment":"neutral","sentiment_score":0.19031617045402527}],"sentiment":"neutral","sentiment_score":-0.01625620831663792,"num_words":26,"start":3726.3098,"end":3776.47},{"sentences":[{"text":"Okay.","start":3776.6099,"end":3777.1099,"sentiment":"neutral","sentiment_score":0.3170994818210602},{"text":"Good to know.","start":3777.17,"end":3778.0698,"sentiment":"positive","sentiment_score":0.6134250362714132},{"text":"Alright.","start":3778.3699,"end":3778.8699,"sentiment":"positive","sentiment_score":0.4008851647377014},{"text":"That's all I've got for today.","start":3779.41,"end":3780.95,"sentiment":"positive","sentiment_score":0.3914574335018794},{"text":"Sure.","start":3835.3599,"end":3835.8599,"sentiment":"positive","sentiment_score":0.4284869134426117}],"sentiment":"positive","sentiment_score":0.44462427248557407,"num_words":12,"start":3776.6099,"end":3835.8599},{"sentences":[{"text":"Yes.","start":3836.4,"end":3836.9,"sentiment":"positive","sentiment_score":0.5353151559829712},{"text":"Thanks for your offer, and I will probably take you up on it.","start":3837.8398,"end":3843.895,"sentiment":"positive","sentiment_score":0.7902836203575134},{"text":"And, yeah, I'll have a look at these docs, and I'll be in touch hopefully before the end of this month.","start":3845.155,"end":3853.8499,"sentiment":"positive","sentiment_score":0.36184451125916983},{"text":"Alright.","start":3858.63,"end":3859.1099,"sentiment":"positive","sentiment_score":0.5071434378623962},{"text":"Okay.","start":3859.1099,"end":3859.5898,"sentiment":"positive","sentiment_score":0.5381250381469727}],"sentiment":"positive","sentiment_score":0.5257569035968265,"num_words":37,"start":3836.4,"end":3859.5898},{"sentences":[{"text":"Thanks for your time, and have a good day.","start":3859.5898,"end":3862.01,"sentiment":"positive","sentiment_score":0.763771116733551},{"text":"See you.","start":3864.23,"end":3864.7898,"sentiment":"positive","sentiment_score":0.4095488339662552},{"text":"Bye.","start":3864.7898,"end":3865.2898,"sentiment":"neutral","sentiment_score":-0.032304711639881134}],"sentiment":"positive","sentiment_score":0.6383944172412157,"num_words":12,"start":3859.5898,"end":3865.2898}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Am I speaking? Hello?\n\nChannel 0: Do I have you there, Mark?\n\nChannel 1: Yes. Speaking.\n\nChannel 0: Hi. Larissa from Oakview Financial. How are you going?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: That's good. So have you on a good line, or does it seem to chop in and out, or is it just me?\n\nChannel 1: I should be on a good line. There's not a Wi Fi or anything. Just in Southport. So\n\nChannel 0: No. I wouldn't have thought that there would be a bad line at all. But, anyway, let me know if it drops out at all. It could just could just be me. But\n\nChannel 1: That's\n\nChannel 0: how\n\nChannel 1: alright.\n\nChannel 0: are you going this morning?\n\nChannel 1: Hey. Good. Thanks. I'm just having an easy day.\n\nChannel 0: Oh, I love that. That's perfect. We love a good easy day.\n\nChannel 1: And what about yourself?\n\nChannel 0: Nothing wrong with that. Oh, I wish it was an easy day so far. No. It's it's been actually pretty okay. Had a coffee, had breakfast, went for a run this morning.\n\nCan't complain.\n\nChannel 1: Really on top of life.\n\nChannel 0: Yeah. Very much. Got it. Got three kids underfoot, so can't can't slack off, unfortunately.\n\nChannel 1: Yes. True.\n\nChannel 0: Now the reason for my call today so my name is Larissa. I'm the head of financial advice at Oakview. And what I was calling for was to go through and present the statement of advice that we put together.\n\nChannel 1: Yep.\n\nChannel 0: So I've pressed send on, like, the documents to come forward come to you, but they are quite large. So don't be surprised that they take a little bit to come through via email. But, ultimately, what those documents do entail, and the the biggest document of them all is what's called the statement of advice, and that's what I'm going to to sort of go through and explain with you. So the statement of advice details the actual recommendations that we've put together through all the research and based on the goals that you had outlined.\n\nChannel 1: Yep.\n\nChannel 0: Now you had a number of goals that you were, I guess, aiming towards achieving, and sort of one of those was, you know, you were sort of look at your superannuation and and try and make sure that you you could, I guess, re review the investment options that were available within it. Have a look at the insurance to make sure that your insurance policy was adequately covering the debt that you had.\n\nChannel 1: Hello?\n\nChannel 0: Additionally, have a look at the debt management around your property as well. So you wanted to I guess, at the moment at little bit overwhelmed with the the amount of debt that's there, and you're wanting to sort of get a little more of a a handle on on that that property and and make sure that we're we're getting everything covered there.\n\nChannel 1: Yeah.\n\nChannel 0: So aside from that, we did have that you you have you have a goal with with regards to the property that we will look at a little bit later. So looking at sort of, I guess, the sale of of your property, potentially something within a few years' time. So at the moment, that's obviously scoped out because it doesn't sort of fall within a time frame that we're able to to scope that into, but it's something that we're able to work towards looking at a little bit later.\n\nChannel 1: Yeah. I've had some rethinks about my property anyway, so it's probably not the most important or yeah. I've just got a different action plan on that.\n\nChannel 0: Okay. So what are you what are you I guess, what what did you rethink with regards to the property?\n\nChannel 1: Just well, instead of, well, instead of selling it, just renting it out and then living for free\n\nChannel 0: Yeah.\n\nChannel 1: back with mom while it's rented, and that will service a good part of the loan. So yeah.\n\nChannel 0: Yeah. Absolutely. Yeah.\n\nChannel 1: So\n\nChannel 0: Definitely possible.\n\nChannel 1: I've\n\nChannel 0: Do you know have you, I guess, made any inquiries about what you could get rental wise from the property?\n\nChannel 1: made inquiries about I've just got a got a few things to do before I put it up for rent. And then,\n\nChannel 0: Yep.\n\nChannel 1: hopefully, by July, it's it's getting rented.\n\nChannel 0: Okay. No. That's absolutely okay. Alright. So that's that's something that, I guess, within your family is is they're able to support you with that.\n\nAnd I know you work FIFO, so you're only there for a short period of time when you're obviously off swing. So that's yeah. Okay. And have has the real estate given you an indication as to what you're going to get in rental income or not quite yet?\n\nChannel 1: Around $7.70 a week. So that's yeah, better than nothing, and it's it's my probably, I also wanna keep this principal PPLR or whatever it's called.\n\nChannel 0: Yep. Principal\n\nChannel 1: And\n\nChannel 0: Place of Residence, PPO.\n\nChannel 1: yeah. And then just keep it for the longer term and then sell off the Southport ones that sort of don't give me much interest or joy.\n\nChannel 0: Yeah. Absolutely. So you you're you're thinking you might just rent out the PPR and then look at selling Southport?\n\nChannel 1: Yeah. But trying to not be so asset rich and cash poor.\n\nChannel 0: Yeah. You wanna you wanna create a little bit more liquidity for yourself.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Absolutely. No. That's that's fine. Alright.\n\nWell, let's go through it, and we can kind of talk about a few of the points we put together anyway because they could give you a little bit of a, I guess, thought process to think about on how things can sort of flow. And, you know, based on what you're saying now, we can always update and make changes to to how we wanna, I guess, progress. So with with yourself, I've got you on, like, a $160,000 a year. You're, you know, full time employed and and and, again, like I said, you're FIFO work. With regards to assets, I have the PPR, and then I have the two investment property on Mull And Lind Avenues.\n\nChannel 1: Yep.\n\nChannel 0: Mull is worth about 1 mill. It's got 370,000 owing and lend about 900,000 and 300,000 owing with your PPR at 1.35 with about a million owing on it. Now I know that you you also have, like, redraw facilities on both Mault and Linde at the moment and a bit of an offset account sitting on your primary residence. So you set things up really nicely on that front having that that extra little bit of cash. Now\n\nChannel 1: Yeah.\n\nChannel 0: with your superannuation and and the form of your assets, you currently have about 516,000 within your q super account, and you also have an addition an insurance policy within that account. So you have a life and a total and permanent disability policy in that, which currently services a $179,000 in the event that you would have passed away or be totally disabled. So you have that cover within that fund. Now\n\nChannel 1: Yes.\n\nChannel 0: with regards to any investments, what we do and and and what you went through with, Sebi, the director, is you went through and completed what's called a risk profile. Now that risk profile gives us an indication only as to how suited you are, with regards to investments. So, basically, what your tolerance is to any kind of market, risks. Okay? Now you came out as as a high growth.\n\nSo it means that you're willing to take on, you know, volatile markets. You still got quite an extensive time before you're looking to access any of the capital of the investment. You know, you're not looking to to take off you know, you're not looking to throw it all on red type of thing at the at the roulette tables. It's it's purely and simply that you are calculated in how you wanna invest, but you're willing to let it ride a little bit more than, you know, be conservative per se. Now, ultimately, what we've actually recommended, because you have such a time frame to be able to invest, is to pop you up into what's called an aggressive investment profile.\n\nNow the difference between a high growth and an aggressive is really where the assets actually lie. So with any kind of risk profile, what that actually denotes is where the assets sit, whether they sit within a growth sector or whether they sit within defensive sector. Now from that, that percentage or weighting between those two allocations outlines what the what the risk profile is. So an aggressive risk profile basically means that a 100% of the assets that are able to be invested are in growth assets. So they're not sitting in cash or fixed interest or bonds or anything like that, are your defensive assets.\n\nA high growth risk profile basically has about 10% roughly sitting in a defensive asset pool, whereas your aggressive aggressive, as I said, with a 100. Now because you are sub 50, you've got quite a while before we're able to touch the the superannuation investment, and you have been able to establish establish yourself quite well with external investments, we wanna be able to take that that role and keep going. We don't wanna slow down. We don't wanna, you know, ease up at the moment. We wanna be able to keep going with that that investment.\n\nNow, obviously, an aggressive investment is not not something that you would invest in long term. It is something that you invest in for a shorter period of time. You then start taking steps to become more defensive as you getting older, as we start reaching towards our time frame to to, you know, cease investing or slow down investing, so to speak. Now, realistically, unless specifically with your superannuation, unless you were aiming to withdraw the entire balance at retirement or, you know, at age 60, whatever the age is, you're still gonna remain invested while you're retired and drawing down an income stream. So it's just a matter of making sure that you are calculating the steps as we near towards retirement.\n\nMake sure that we do start easing off and start, you know, making sure that we're we're actually hitting our retirement goal, our income need, and not losing out on that. Does that make sense?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Cool. Now with respect to the strategies, there are a few of them. But, realistically, one of the biggest ones did center around selling your primary place of residence. Because at the time that you spoke with Sevi, that was something that you had discussed as something you were willing to do to be able to become debt free and go from there.\n\nNow the statement of advice does very much center around selling that PPR, the 1,300,000, you know, closing out the debts and and being able to go from there. That's obviously not something that you're wanting to do anymore. But as you said\n\nChannel 1: In my consultation list, I was asking what is the best. I didn't say that I was\n\nChannel 0: was or wasn't\n\nChannel 1: I I\n\nChannel 0: willing.\n\nChannel 1: was yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I was asking looking for yeah. What is the best strategy? It's not like I was suggesting\n\nChannel 0: Yeah. No. Just out. No.\n\nChannel 1: this or planting seeds in his mind. I\n\nChannel 0: No.\n\nChannel 1: was just looking for\n\nChannel 0: The best strategy.\n\nChannel 1: some sort of modeling behind it or what could be the best strategy.\n\nChannel 0: Yeah. And that's that's where he came up with the selling of the PPR versus selling either of the two other properties. So, normally, like so if a if a client comes to us and and was was to say, hey. I wanna look at these scenarios. I am willing to do any of these things.\n\nI am not willing to do this. So some people come to us and they're like, hey. We have five properties. We you know, we're we wanna consolidate a little bit. We wanna, you know, diversify our assets.\n\nWe have too many properties, whatever the case may be. We don't wanna sell this specific property. You know, we've been in it for fifty years. We're never gonna sell it. We would obviously not include that in any of the modeling or anything like that.\n\nHowever, you had said you were willing to kind of let go of any of the properties. There was no holes barred, I guess, for lack of a better phrase. And, you know, there was no specific, I guess, attachment to the primary residence, and you were happy to let it go if it was more suitable than either the other two. When we\n\nChannel 1: Yes.\n\nChannel 0: modeled it up and had a look at everything, selling the PPR worked out better for you in terms of debt consolidation because it had a there's no capital gains attached to it as a as a property sale, and it was able to wipe out the debts for you pretty well, which gave you, you know, that that goal of being able to to get rid of the debts and and just have that little bit more peace of mind.\n\nChannel 1: Alright. Okay.\n\nChannel 0: Now, obviously, if you're wanting to proceed in more of, like, a you I guess, you've had a an opportunity open where you can move in with mom and or parents, and you're able to rent it out, I can model up what that looks like from a from a cash flow basis with regards to, you know, your rental income plus reasonable costs that you need to keep aside from a, you know, ongoing maintenance perspective, your agents fees or, you know, real estate fees, and, you know, rates and water connections and all the rest of it that you would be obligated to pay to show you what, I guess, your shortage is. Yes. That that's what I'm\n\nChannel 1: Yeah.\n\nChannel 0: what what your\n\nChannel 1: I\n\nChannel 0: shortage is\n\nChannel 1: was\n\nChannel 0: with respect\n\nChannel 1: gonna\n\nChannel 0: to that.\n\nChannel 1: I'm trying to just already done that myself. And\n\nChannel 0: Okay.\n\nChannel 1: yeah. So yeah. I just think that once that gets put into plan, then I should be a bit more cash, more positive.\n\nChannel 0: Yeah. Which is what you were looking to do.\n\nChannel 1: Yeah. But what is what is what is your well, like, with back to the superannuation.\n\nChannel 0: Yeah.\n\nChannel 1: What is is there anything I should, like, should be doing better in\n\nChannel 0: Yeah. Absolutely. You should definitely have an email of the statement of advice with you. I would hope it would be with you by now.\n\nChannel 1: there.\n\nChannel 0: But if you pop down to page 17, it outlines the the recommendation for the superannuation. So you're with QSuper at the moment. QSuper has a very limited investment scope. So they have premix investment options that don't allow you to diversify fully within the platform. So what Citi's recommended is the establishment of a hub twenty four super fund.\n\nNow we deal with many, many, many different platforms. So Hub twenty four has been recommended because it's suitable for you, not because we're working with one platform over another. And then he's recommended that we establish a investment portfolio that gives you a bit more diversity. So the investments that he's recommended are listed in the document on page 21, but it's, you know, like, a cybersecurity's asset. He's recommended a health care asset.\n\nSo each of these assets are what's called ETF or exchange trade funds. So they individually you know, it looks like you're basically holding eight eight different holdings. But underneath the underlying assets, there's anything between 20 to a 100 individual companies, stocks, and shares inbuilt into each of those different assets there. So it gives you a lot more diversity across what you're investing in, and it gives you a a bit more security with everything as well. So you're currently in a full international shares hedged investment, so you are very, very aggressive already.\n\nThis gives you a little bit more diversity to that investment without currently, like, all of your your your stocks are hedged in one asset. You're international only. You haven't been able to pick and select where you're able to invest, so it takes away some of the, I guess, control from you because Screw Super only has very limited assets, which you would know because you've very much gone and selected this asset. This asset is not something that is generally preselected for an individual. So the different stocks that have been or the ETFs that have been selected give you a bit more of a diversity across the market and allow you to have a little bit more little bit more control.\n\nSo, like, you have a a Nasdaq investment. You have a tech investment, which you know, the tech investment, a little bit more volatile on the market, but does have really good returns. Each of these stocks are what's called investment grade or above. So we don't invest in really high risk assets that, you know, have not to, I guess, insult your intelligence, but can I ask how much of investing do you actually know? So if I was to say alpha and beta, do you understand what those terminologies mean with investments?\n\nChannel 1: No. That's I don't really\n\nChannel 0: No. That's\n\nChannel 1: invest, yeah, too much for the foreign language.\n\nChannel 0: okay. That that's okay. So let's just say take hack, for example. So Hack is the is the the API or the tracker code that when you're investing, each each asset that you have to buy has its own tracker code so you know what you're investing in. So Hack is basically the beta shares.\n\nBeta shares is the investment manager, and cybersecurity is, you know, basically what is in under the fund. Now within that fund, there are quite a number of different companies. It does change, but with hack, basically, what the investment is aiming to do is to invest specifically within cybersecurity tech companies that are established and, like, growing. The the whole point of the the asset is not to stagnate or invest in companies that have hit their their peak and are, you know, are are done with their evolution. And it also doesn't invest in stocks in companies that are establishing, so brand new companies that have a high risk of of obviously faulting.\n\nSo every single one of the companies is is researched and is is is looked at. BetaShares is the investment manager that researches each each of these assets. It is still very volatile because your tech companies can be very volatile. And so the the actual asset itself does tend to to throw its weight around up and down. You have a little bit more of your you're cushioning that through gold.\n\nSo there's a little bit of gold in the portfolio that does cushion a little bit more of that blow when you've got your, you know, your your more aggressive stocks that are the throwing weight. Tech does the same thing. Nasdaq is obviously very much known for doing that. You've also got S and P 500, so that's pretty much really a nice steady steady asset. And you've got your India stocks as well, which can be a little bit more volatile.\n\nHaven't been of late, but can definitely be more volatile. So each of those assets, I guess, do their own thing. Now the portfolio as a whole, any single super fund has to have a cash balance. The hub twenty four fund requires, like, a 1.25 cash allocation. So there's 1.25% that'll be held in cash, and that's because the portfolio requires it.\n\nQSuper does the same thing. Every single portfolio or platform requires some form of money to be held in actual cash. Some of the portfolios will hold it within the asset as an underlying because, obviously, the way we've split your assets, a lot of these assets don't have underlying cash. Some of them do, but we've kept your cash balance obviously to a to a minimum because we're hoping like, you know, we're wanting to put more of the assets on the market than less. Now\n\nChannel 1: Right. Yep.\n\nChannel 0: the aim towards this is to have a low beta, high alpha. So the whole point of a high alpha investment is to to outsource the market. A low beta means that it's costing less than the market equivalent. So it's why we'd aim towards ETF because they're generally a little bit more cost effective because you're able to bundle a lot of different companies into one cube, I guess. And it means that your purchase cost across, you know, buying all these assets reduces a lot.\n\nChannel 1: Yep.\n\nChannel 0: Now with reference to, I guess, the cost base between the two, currently, your your q super fund in the portfolio that it's in is performing at, like, a nine point zero four percent five year rolling. So it's it\n\nChannel 1: Mhmm.\n\nChannel 0: is doing really well. Don't get me wrong. Like, 9% is really great, and over a five year time frame is fantastic. It is very much only in international stocks, and you're hedged in international stocks. You don't have any national stocks or anything like that.\n\nAnd, again, you're very limited on what you're able to see. QSuper and the investment menu that you're in is low cost. So if you have a look on the document at page 24, you'll be able to see a cost breakdown between the two funds. So your admin fees for your q super are coming out, like, $631 versus hub 24, it's 1,500 for the year.\n\nChannel 1: Yep.\n\nChannel 0: Your investment fees with with your q super are quite low because you're only in that single stock option. So it's about $500 a a week versus it's about $2 or just shy of $22,300 for the investment fees for though for those funds. We have used the highest possible investment fees for each of the funds. So your Hub 24 in that investment fee, I've included brokerage fees and everything. Now Hub 24 is an intuitive platform, and you won't always go to market to buy your assets.\n\nIt actually internally trades within other with other accounts that are currently holding those assets. So when you go to buy, it it does what's called aggregation. So it doesn't always require you to go to open market to purchase. So those fees are gonna be a lot less. I very, very rarely see my clients actually go to open market.\n\nAnd, generally, it's because I force a market trade that that actually ends up happening.\n\nChannel 1: K.\n\nChannel 0: Now aside from that, obviously, currently, you don't have an adviser under Oakview. You would have an adviser. So someone that you would be able to talk to ongoing. We would help you out. You would have access to us anytime that you needed.\n\nAnd, you know, we're able to do these documents up, do comparisons for you. You know, if you had another a thought process or a concept you wanted, there's someone to basically be able to run through with that.\n\nChannel 1: Just ask a question.\n\nChannel 0: Yes. Of course.\n\nChannel 1: Just in regards to your table about the cost comparisons with Super.\n\nChannel 0: Yes.\n\nChannel 1: So just you got my current one with G Super, the next one with Hub 24.\n\nChannel 0: Yep.\n\nChannel 1: So just you've got me at 9.4% with q q super with the five year rolling average and the hub twenty four thirteen point six one.\n\nChannel 0: Yep.\n\nChannel 1: Does that include the cost percentage?\n\nChannel 0: Oh, is that Netofees? Yes.\n\nChannel 1: So after all, the line items above, that's the comparative rate at the end of the day, like, you know, five year rolling average, minus single fees and investment fees, admin fees, all that. It's that's the bottom line.\n\nChannel 0: Yes.\n\nChannel 1: Okay.\n\nChannel 0: Correct. Yeah.\n\nChannel 1: Alright. Just seems like a lot of fees. But if it like, if it's a overall a a better or if it nets me more than, yeah, that's a win win, I guess. And does it also does it cover or you're saying that my insurance isn't still with QSuper?\n\nChannel 0: Yeah. Yeah. So you do have insurance with QT for right now. What I what we wanna do is actually replace those because they're you don't have an income protection. So in the event that you were not able to work for, you know, due to an injury or illness, we wanna look at getting a a policy in place and then just also rounding out your life and total permanent disability to help cover, you know, cover you in the event that anything were to happen.\n\nChannel 1: Alright. Yep.\n\nChannel 0: I'll go over that in a second. It's basically two pages down from where we are. So as you can see, I guess, you know, based on if we were to basically stay in aggressive, like, in this in this risk profile for the entire time, these are the outcomes that you would basically be looking at receiving. Now, obviously, as I said, as we start nearing your retirement, we will start scaling down a little bit just because you will start becoming a little bit more risk adverse. But that would happen with your current as well because you would wanna start protecting the the assets that you had grown rather than taking risks, you know, on on the capital that you you have.\n\nChannel 1: Yep. Understood.\n\nChannel 0: Cool.\n\nChannel 1: Sensible.\n\nChannel 0: Now with respect to the insurance, currently, you have the life and the total payment facility with your q super. So you don't have any income protection as I was saying. Now what we're recommending is that we engage in a new policy for the life, the total parent disability, and the income protection. And the income protection would be at your at your income rate. So it's able to pay up to up to 70% of your income if you were to go on claim.\n\nSo the whole point of an income protection policy is you're not able to be earning the same amount or better than what you were if you were working. The policy is there to basically be a stopgap between becoming ill and injured, ill or injured, I should say, and being able to return to work. Now if you are unable to return to work, that's where a total permanent disability policy put kicks in, and that becomes a lump sum benefit that's payable to your super fund. Now because at the moment you are, I guess, a little bit cash strapped, Cedi has recommended that we pay for these through your super fund. Now if in the future or, you know, when in the future, not if, when in the future we, you know, start being able to consolidate down some of those those debts and get everything flowing a little bit better, what we would be able to do is from there, we can pop your income protection policy to be paid personally by you because it becomes a tax deduction.\n\nNow, obviously, at the moment, you've got both of the properties that are tax deductible. So it's something that it can be looked at, but it's not something we wanna obviously impact against your cash flow right now. But we do wanna make sure that that policy is in place just on the event that anything happens.\n\nChannel 1: Okay.\n\nChannel 0: Because the older we get, unfortunately, things start breaking down a little bit. Trust me. The start running five years ago, and it gets harder every day.\n\nChannel 1: Yep.\n\nChannel 0: Now that policy, we're looking at because it's paid by your superannuation fund, it's 15% cheaper than if you paid for it fully personally. And that's because the super fund basically gives you a rebate. So it becomes $1,636.53 for the year, and that gives you 200,000 a life 200, 250,000 a life, 250,000 total claim disability, $9,333 per month of income protection after thirty days. So you have to be off work for thirty days before the claim kicks in, and then the policy pays you at the end of the month. So the first payment would be received basically day 60 of being off work, but the policy pays you for up to five years.\n\nNow I we did look at, like, a five year versus a two year benefit period, and it was only a couple of $100 difference in the premium. So being on a five year benefit obviously gives you those extra three years worth of security if you you know, anything were happen. Now these kinds of policies cover mental health, back injuries, knee injuries, anything and everything that you can think of. You know, cancer diagnosis where, you know, you need to go through treatment and unable to work during that. So it it enables you to not have to force yourself to go back to work just because you are injured and then, obviously, possibly do more damage to you.\n\nChannel 1: Yep.\n\nChannel 0: Cool.\n\nChannel 1: Right. Cool.\n\nChannel 0: So that would basically replace your q that would it would it would replace your q super policy in whole.\n\nChannel 1: Right. Yeah. Yeah. I think it's it's a smart thing to do.\n\nChannel 0: Cool. Now with the policy, we do underwritten policies. So your q super policy is generally a group policy, and your policy was where your employer or you at the opening of your fund made a disclosure of, obviously, age, gender, living, demographic, and then occupation. Now most super funds will just take a stab at the general occupation and give you a general standard occupation rating unless you make a disclosure otherwise. Now what this policy or what the CAL policy will do, which is the provider we're looking at underwriting with, is they will ask you questions to do with your occupation, your health, and your family history.\n\nThey underwrite the application at time of application rather than underwriting the application at time of claim. It means that the claims process is a lot smoother, which is obviously what we want when it comes time to claim. We don't want the headache of, you know, endless forms and stuff like that. A claim is already generally a a pretty extremely stressful moment to begin with, so we don't wanna add the stress to it. So that's why we underwrite the policies at time of application.\n\nIt means that the insurer knows you as an individual, and they know the level of risk they're taking on when they put the policy in place. Means that the policy is tailored to you rather than to a group of people, which is what you currently have under q super. A group policy is basically where they take individuals within a specific demographic age and gender status, and they all get insured for the same amount of money, and they all pay the same premium. And the insurer basically just says, well, you know, about a percentage of these clients will claim and a percentage of them won't. And based on historical claims processes, that's how the premiums are actually calculated rather than\n\nChannel 1: Yes.\n\nChannel 0: based on you as an individual. So with the policy that would, as I said, completely replace the the q super policy. You'd have life insurance in place. It would get paid for from the Hub twenty four fund, and your QSuper fund would be closed once the new policy is in place. So we would do a stepped and staged implementation where we would roll the majority of your funds over to Hub twenty four, get the account started, do your insurance application, get the first premium paid for from your Hub twenty four funds so we know it's in place before we close and cancel your other insurance.\n\nBecause the second that q super closes, the policy insurance policy closes as well or ceases.\n\nChannel 1: Yep.\n\nChannel 0: So we don't wanna ever leave you uninsured. We always wanna make sure that we're protecting you and keeping you safe or, you know, keeping you insured during that transition period.\n\nChannel 1: Yep. Yep. Sounds sensible, and and you need that. You don't wanna be uninsured.\n\nChannel 0: No.\n\nChannel 1: What's with Hub twenty four,\n\nChannel 0: Yes.\n\nChannel 1: are they yeah. Yeah. Some recent super funds have taken people's money and just ran off into the distance.\n\nChannel 0: Yes.\n\nChannel 1: I forgot what names they were, but they've just recently on the news. How could I trust Hub twenty four? Are you gonna do the same?\n\nChannel 0: Hub twenty four are one of the largest super funds in Australia with trillions under investment. Not billions, trillions.\n\nChannel 1: Yes.\n\nChannel 0: So, no, very, very, very, very much not gonna happen. They don't get me wrong. They are new in comparison to, like, your q super. Q super has obviously been around forever, but Hub twenty four has been around for a good couple of decades now, and they are one of the one of the leading super funds. They are a retail fund.\n\nSuper funds can't run and take your money. So I'm not a 100% sure what news article you obviously like, you you heard. I'm not trying to undermine it. But Superfunds have have charged deceased estates. They charge people that are dead.\n\nIt's happened. And ASIC have gone after them and made them repay it all. There have been, you know, funds that have overcharged clients, and, again, ASIC have investigated and made them pay it back. There have been things that have happened. There are, like, self managed super funds, SMSFs, that have, unfortunately, a little bit less guidance.\n\nThey are supposed to still act with integrity and under the legislation, but there's a little bit less, I guess, strict ruling over them. Do them wrong. I think do eventually catch up to any of the SMSF funds that aren't acting in line with the legislation, but it's probably not done as well as it should be. They do have to they do have they do get audited every year, but it does take time for, you know, Aetna to go through all the audits and eventually catch up and deal with them. I'd have\n\nChannel 1: Yeah.\n\nChannel 0: to look into whatever it was, news article.\n\nChannel 1: First Guardian and\n\nChannel 0: Oh, okay. Yep. I was wondering if you were talking about possibly First Guardian and\n\nChannel 1: Is it something she\n\nChannel 0: whoever\n\nChannel 1: or something?\n\nChannel 0: the other one is. Yes. Shield. They were not super funds. They were assets, so they were an investment, not a fund.\n\nHub twenty four did not put them on platform. They were not offered under Hub twenty four. Hub twenty four investigated both of those assets when they became available on market. It's their obligation to do so. It's that it's what it's what they do as a platform, and both of them were too high risk for them to engage on platform.\n\nMacquarie, Netwealth, there are a couple other quite large. Macquarie's a bank orientated and connected provider. They've been around for quite a long time, and they have both had both both of those two funds have both had to engage in remediation to pay and remediate back the funds lost by clients because they let the asset be available on platform. Shield and First Guardian have both been in the news for a couple of years now. Massive, massive screw ups by the super funds.\n\nBut also the the actual asset managers, it was a Ponzi scheme. I mean,\n\nChannel 1: Yes.\n\nChannel 0: the short and long of it, it was a Ponzi scheme, unfortunately. OQ Financial have never recommended either of those two assets. The assets that we've recommended and the assets that we do recommend are available on the ASX. They are tried and true. Not gonna say they're blue chip, but they're tried and true assets.\n\nWe don't take risky investments with our clients' money. You know, we're not we don't invest in Bitcoin. While I do have a couple of clients that do personally invest in Bitcoin,\n\nChannel 1: Mhmm.\n\nChannel 0: I do have clients who I invest in Bitcoin mining companies for.\n\nChannel 1: Yes.\n\nChannel 0: I don't. We don't invest in Bitcoin itself. It's too much of a risky stock, and that's not we're not day trading. We're looking to hold long term stock. And whilst granted, there will be tweaks that we do make to the assets that we're recommending, I e changing some of the weightings, maybe swapping one of the stocks out every now and then.\n\nYou know, markets change. Maybe, you know, India stops performing, and we wanna move a little bit over, you know, to Japan, whatever the case may be. So we might move some of the waiting around. We're\n\nChannel 1: Yeah.\n\nChannel 0: not looking to make massive swings left and right. We're not looking to basically do a full portfolio sell every three months. That makes no sense for a long term stock or investment.\n\nChannel 1: I agree.\n\nChannel 0: So yeah. No. Shield and First Guardian. I'm more than happy. I can send you some information on them.\n\nI I\n\nChannel 1: No.\n\nChannel 0: did\n\nChannel 1: No.\n\nChannel 0: have a\n\nChannel 1: I\n\nChannel 0: client.\n\nChannel 1: just was yeah. Just wondering. Just making sure that I'm not yeah. I just had to travel get my\n\nChannel 0: The questions here? Yeah.\n\nChannel 1: yeah. Have to ask the question.\n\nChannel 0: Absolutely. No. I did have a client that came to me. He had Shield assets, so I've been working with him for the last couple of years while Shield was in in liquidation. He actually had First Guardian and Shield while both of them were in liquidation.\n\nSo I've been very, very much on top of how they've been going. And, look, he didn't make the outlandish money that it was portrayed as having made, but he did not lose anything. He actually got his cost basis back, which was good. So cost basis being what he put into the asset, he got back out.\n\nChannel 1: Yep.\n\nChannel 0: He held it for a few years, but so he got nothing out of it, but he didn't lose anything. So he's quite happy. Because, originally, I turned around and told him he'd be lucky if he get got, you know, 30¢ on the dollar. So he was quite happy when we ended up walking away pretty much in net positive\n\nChannel 1: True that.\n\nChannel 0: or net neutral.\n\nChannel 1: Yeah.\n\nChannel 0: So yeah. And the if you actually have a look in the news, just, I guess, for peace of mind, any of these any of the advisers that recommended either of those two assets were fully investigated by and have been ceased as advisers. So they are no longer able to give advice to clients for a period of time, and that\n\nChannel 1: Yeah.\n\nChannel 0: will always be on that record their record as a disciplinary action.\n\nChannel 1: Yep. It's good. Good that they're in trouble. Well, not to be\n\nChannel 0: Yeah.\n\nChannel 1: ever in the industry again.\n\nChannel 0: Yeah. Look. There there are some some people that have been over the whole Shield First Guardian that have been lifelong banned, but others have been, yeah, like, anywhere between two and ten years banned.\n\nChannel 1: Yeah. It makes me wonder if they're now living it up in the Cayman Islands or whatever offshore tax havens. They've divested their these poor people's funds too. But\n\nChannel 0: I can tell you now that the ones that ran the ran the Ponzi scheme is definitely not. They were caught, and they're currently being prosecuted. But\n\nChannel 1: yeah.\n\nChannel 0: there are always someone somewhere that has benefited and had their name not on anything, and I'm sure there was someone that got away with something.\n\nChannel 1: Yep.\n\nChannel 0: But\n\nChannel 1: Yep.\n\nChannel 0: those with their name listed\n\nChannel 1: Alright.\n\nChannel 0: did not.\n\nChannel 1: Okay. As long as hub twenty four is not part of that.\n\nChannel 0: No. Not connected at all.\n\nChannel 1: Yeah. Connections.\n\nChannel 0: When when\n\nChannel 1: Yes.\n\nChannel 0: I spoke, yeah, when I spoke to their investment committee, when a lot of it broke, they turned around and said, yeah. They were contacted by ASIC. They actually handed over all of their research that they did into the port into the assets or the portfolios, and ASIC basically turned around, clapped them on the back, and said, good job. We basically had the same outcome when we investigated the assets that they were too high of risk. Basically, like, a lot of the assets were in not real.\n\nLike, the stock options that were listed were not actually real stock. They were buildings that were going to be built but got shut down multiple times for nothing up to code, couldn't be established, couldn't be built. It was an absolute shimmuzzle. There was no tangible assets that that the investors were actually investing in under those.\n\nChannel 1: Yep. Alright.\n\nChannel 0: I'm more than happy to send you portfolio reports for every single one of the assets I've recommended so you can see what assets you're investing in.\n\nChannel 1: No. No. No. I trust you. You just just yeah.\n\nJust that old scheme of things just sorta has lost,\n\nChannel 0: What's you on\n\nChannel 1: lost\n\nChannel 0: edge?\n\nChannel 1: my faith in some of the super funds or if it is a super what do you call it? Is it a super fund?\n\nChannel 0: Yeah. Superfund platforms,\n\nChannel 1: Yep.\n\nChannel 0: investors. Like, it it's yeah. All of it.\n\nChannel 1: Yeah. There's no there's no saying that QSuper could do the same. So it\n\nChannel 0: Perhaps\n\nChannel 1: is what\n\nChannel 0: q\n\nChannel 1: it is.\n\nChannel 0: q super 100% could. And the frustrating part is is that there's not a full offering of assets listed. So you you can't just jump in and see where every single one of your assets are. Whereas on your Hub 24 platform, it's a lot more transparent. So when you actually open it up, there's an app and all the, you know, technological fun things.\n\nBut when you open it up, you'll see the eight assets, but you can actually click into them, and it shows each one of the underlying assets that that holds. So it means\n\nChannel 1: Yes.\n\nChannel 0: that, you know, per quarter,\n\nChannel 1: Yeah.\n\nChannel 0: you could jump in and have a look, and some of those are gonna change. The weighting's gonna change that on you know? Today, you might hold point 3% of West farmers, and then tomorrow, it might be point five type of thing.\n\nChannel 1: Yeah. Yeah. I've always wondered what how aggressive like, in my aggressive portfolio, what the the G Super investment team are highlighting as where they're putting my money. Like, exactly.\n\nChannel 0: Yeah. Where is it actually sitting? Yeah.\n\nChannel 1: Yeah. But and it's I cannot see that.\n\nChannel 0: Like, it is available. You just have to dig for it, and it's not as easily obtainable as you would probably like it to be. It is\n\nChannel 1: Yeah.\n\nChannel 0: available. I can send it to you. It's just it's not it's not fun to find.\n\nChannel 1: Well, yeah. Could yeah. Many rabbit holes to go down, but that's what\n\nChannel 0: Very much.\n\nChannel 1: shits me is that this is the transparency of it.\n\nChannel 0: Yeah. Which you will get under health 24, which will be good for you.\n\nChannel 1: Yep. Alright. What\n\nChannel 0: So\n\nChannel 1: else can we talk about?\n\nChannel 0: I have nothing else really to to cover on this. I guess I want you to be able to take like, take it and read it. There is a recommendation to be able to like, the first recommendation off the rank was the sale of the PPR, primary residence, because that got you the outcome of being able to consolidate and close out the debt.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: So now I'm\n\nChannel 0: do you wanna\n\nChannel 1: well,\n\nChannel 0: hold it?\n\nChannel 1: with\n\nChannel 0: That's okay.\n\nChannel 1: yeah. I now do one hour, but also but now Albo's gone and changed the rules, and that's probably yeah. I need to it's probably more of an emotional decision than a strategic smart decision. But also part of it is I'm paying all this land tax every year because I've got two Queensland properties.\n\nChannel 0: Yep.\n\nChannel 1: And the state government's got their hands on or into me. So, yeah, I was thinking if I have one Queensland, one New South Wales, probably that land tax sort of gets nullified a bit more or probably\n\nChannel 0: Yep.\n\nChannel 1: halved. It's like almost $7,000 last year, and it keeps creeping up.\n\nChannel 0: Yeah.\n\nChannel 1: And that's pure cash that I can claim. Funnily enough, I can claim tax on. So I don't know what the hell that's about. But, yeah, it's I'm just gonna yeah. I I know I'm just not in a mindset where I I know what I'm doing.\n\nChannel 0: Oh,\n\nChannel 1: This\n\nChannel 0: that's\n\nChannel 1: is right.\n\nChannel 0: okay.\n\nChannel 1: But I think, yeah, just my my gut feel is that one of the Queensland one ones has to go. But\n\nChannel 0: Okay.\n\nChannel 1: when it goes is is the other question.\n\nChannel 0: That's okay. Let me put it this way. There's we I can model out each of the two properties because I know based on those addresses, they're pretty close to each other. So I'm more than happy to model out which ones to sell, which one to keep based on, like, the values and the growth potential of each of the properties as well. Because I can I can just look them up online with regards to sales in the area?\n\nI can have a look at where they fit. Herring Todd White provides really good statistics with regards to growth potential in each area, whether it's hit the bottom of the market, the top of the market, or whether it's on a growth spiral. So whether it tells us, you know, we can probably sell now or whether we still haven't hit that peak for the area like, the sales area to sell in the area. You know what I mean. And we can go from there.\n\nThe other thing I did notice when I was obviously reviewing your file and looking over everything, you have redraws in both of your investment properties.\n\nChannel 1: Yeah. That's what I'm probably not doing the best with as well.\n\nChannel 0: No. It makes a hell of a lot more sense to put all of that money in the offset to your PPR,\n\nChannel 1: Yeah.\n\nChannel 0: especially right now when your because your PPR is nontax nontax deductible interest. So the more you can reduce down on the interest from that property, the better off you are. You can continue paying the repayments that you're paying. You pay more off on the capital, and the two investment properties are tax deductible to you.\n\nChannel 1: Yeah. That's so I went down a negative gear and then a positive gear, and then I should have just been negative gearing the whole time just to maximize my\n\nChannel 0: Deductible.\n\nChannel 1: tax return every\n\nChannel 0: Yeah.\n\nChannel 1: July or whatever. And yeah. So I lost my way thinking if I had them positive geared, then I shouldn't need to be taxed. Yeah. Getting\n\nChannel 0: Yeah. Because if they're positive, it means you're cash flow rich. You\n\nChannel 1: yeah.\n\nChannel 0: have income coming in. They're making money. And we will definitely point. We're not quite there yet. We need to drop some of the debt down and and just get things moving a little bit better.\n\nChannel 1: Yep.\n\nChannel 0: The other thing we can do, just to throw a spanner in the works, is you could refi on the properties. So I can connect you with my broker, and we can refinance the properties and shift the million dollars off your primary residence and shift it over into the investment properties.\n\nChannel 1: Oh, yeah?\n\nChannel 0: Because that as a whole will mean that you're not paying interest. I have a I have I have a PPR myself, and I have a debt on it. So when I say this, I I say this understanding I have the same position, but a home loan is actually bad debt because it's nontax deductible. So from a accountant's point of view, a home loan is a bad debt. An investment property, great debt.\n\nTax deductible debt. We love tax deductible debt.\n\nChannel 1: Yeah. But then if I do start renting out this PPR one,\n\nChannel 0: It can become tax\n\nChannel 1: Oh,\n\nChannel 0: deductible. Yes.\n\nChannel 1: yeah. For for six years, if you play the six year rule thing.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: You can play yeah. You can play the six year rule. Correct.\n\nChannel 1: that's what I was gonna do.\n\nChannel 0: Yeah. So we don't have to shift the debt. But at the moment, until you rent it out, I would shift all the money from the redraw over onto the offset of the primary residence because\n\nChannel 1: Yep.\n\nChannel 0: your interest is calculated daily. So the sooner you have that money sitting in the offset of the PPR, the better off you are.\n\nChannel 1: Yep. Agreed. Some of the housekeeping things I need to know and do.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So if you shift that money over, that's gonna sit a lot better for you from an interest perspective. It means that this month's repayment will go off will will take more off the capital than it was interest. So it'll make you feel a little bit better there. And then until you get it rented out, it'll sit a little bit better that way.\n\nOnce it is rented out, realistically speaking, it's 61 half of the other where you put the money across all three of those, whether you have it in the redraw or we have it in the offset\n\nChannel 1: Yep.\n\nChannel 0: with respect to, you know, how it's all sitting.\n\nChannel 1: Well, I'm probably I've got a Commonwealth Bank loan versus two UBank loans. I'm probably I'm paying more interest on the Commonwealth Bank. But yeah. That's all. The interest is all tax deductible.\n\nBut\n\nChannel 0: Yeah. Is the com is the ComBank loan on your is that your PPR?\n\nChannel 1: yeah.\n\nChannel 0: Your PPR probably is less because it was done as a PPR loan.\n\nChannel 1: Alright. Oh,\n\nChannel 0: Investment\n\nChannel 1: yeah.\n\nChannel 0: loans are actually higher. Sorry.\n\nChannel 1: Well, I think my broker at the time to get me across the line put me on as a investment\n\nChannel 0: Investment loan.\n\nChannel 1: loan. Yeah.\n\nChannel 0: Okay. Well, now that you are across the line, maybe go and refi. Oh, wait. Let me have a quick look. Because you are if we are sitting at 1350 Yeah.\n\nWe're sitting well below 80%, so we're good. I just I didn't want you to go and refinance and then get hit with LMI again or lenders mortgage insurance. Because if you refinance and you're above 80%, you get hit with lenders mortgage insurance again. What you\n\nChannel 1: Yep.\n\nChannel 0: could do is you can go refinance now before you go and invest rent it out, and you can refinance under a principal place of residence loan. So you get\n\nChannel 1: Yes.\n\nChannel 0: the lower interest rate right now, and you can, from there, then go and rent it out afterwards. Obviously, while it's rented, if in the you know, while you do have have it as an investment property, if you go and refinance again, you have to do it under a under an investment loan. But right now, because it is a PPR, you're living in that PPR, it's considered your PPR, you can do it under a mortgage loan, which will take don't don't get me wrong. It's generally points of a percent off, but still, that's points of a percent in your back pocket. That's\n\nChannel 1: Yeah.\n\nChannel 0: less interest you're paying on the overall loan. And when you're dealing with a million dollar loan, they're happy days. And if if you are unhappy with your broker or they're a pain, let me know. My broker is absolutely lovely. She has done fantastic job for me personally and for a number of my clients as well.\n\nAnd she can have a look at all three of the properties and and refinance for you.\n\nChannel 1: Yeah. She was my broker was pretty good. And but I think yeah. I'm happy with her.\n\nChannel 0: Good. No. That\n\nChannel 1: Yeah.\n\nChannel 0: that's good.\n\nChannel 1: But\n\nChannel 0: I never wanna take you away from someone you're happy with. I just\n\nChannel 1: yeah.\n\nChannel 0: always wanna check.\n\nChannel 1: But I will ask her the question about changing the loan to\n\nChannel 0: Yeah.\n\nChannel 1: a PPR loan.\n\nChannel 0: Absolutely.\n\nChannel 1: Yep. So now now that I've been in it for twelve, fourteen months, so, yep, good good\n\nChannel 0: Yeah.\n\nChannel 1: idea. What's so to engage your services to guide me through all what we've just talked about. What's the so I sign on the document and send it back to you.\n\nChannel 0: Yep. Yeah. So you would receive two emails. One was because my system was being a pain, so I emailed I got Maddie to email you the statement of advice because I couldn't press send on some of the documents through the the sign system. So you'll have another email that will basically say request the signature that has the statement of advice plus the supplementary documents, your PDFs, applications, everything like that.\n\nDon't be surprised it may be in your junk folder. And,\n\nChannel 1: Yes.\n\nChannel 0: yeah, you're able to sign electronically through there. You don't have to sign today. You can definitely take your time to read it. It is a lot of documents to go through. Realistically, everything else that's sitting there is a is a supplementary too.\n\nThe one thing you probably do need to write on with the statement advice is on the sign page, there should there's an option for you to type in the box. You're able to type in the box and just say that you're not currently looking to sell your PPR, that just gives me formal notice that you're not selling that PPR property. Don't me wrong. It's gonna be my notes following today's conversation anyway,\n\nChannel 1: Yep.\n\nChannel 0: but it's just always good having it in writing from you as well.\n\nChannel 1: Yes. Alright. No worries. I'll review these docs and be in touch. Oh, yeah.\n\nChannel 0: Okay.\n\nChannel 1: Just it is I think Madison\n\nChannel 0: Yeah.\n\nChannel 1: mentioned it's like about it's based on my the fee structure is based on my super balance.\n\nChannel 0: Balance. Yep. Yep.\n\nChannel 1: And\n\nChannel 0: So that's\n\nChannel 1: that what is I think she was mentioning it's around a thousand dollars a month.\n\nChannel 0: Not quite. But, yeah, the in that fee table that was back up on page, like, 24 or something, where I where we talked about like, currently, you don't have an adviser under q super, but you will under hub twenty four, and there's that $8,008.08 9. That's the advised fee.\n\nChannel 1: Okay. And should I disengage your services in\n\nChannel 0: Yep.\n\nChannel 1: six months' time or whenever?\n\nChannel 0: Yep.\n\nChannel 1: Would that advice be still be ongoing in Hub twenty four?\n\nChannel 0: Mhmm. If you see sales services, that advice they see as well. So it's charged per rider monthly. So if you see staff services midway through a, you know, a fee cycle or a fee arrangement, whatever you wanna call it, so partway through the year, then it would just it would drop off at the time that you chose to have it drop off.\n\nChannel 1: Yep.\n\nChannel 0: And you would only have been charged to the pro rata amount at the time that the arrangement ceases.\n\nChannel 1: Yeah. Alright. Okay. Good to know. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: That's all I've got for today.\n\nChannel 0: Oh, amazing. Well, if there are any more questions that you have, please do feel free to give me a call. You can call into the 1300 number and ask myself or, Freddie. Madison's generally the one that answers the phone. She's got lightning hands on that phone.\n\nSo nine times out of 10, you will probably speak to her. And then from there, yeah, just you can come through to me, and I'll be able to have a chat with you. If it's you know, if you have any questions, qualms, concerns, you wanna have a chat about the properties, you just want someone to bounce ideas off, please feel free to give me a call. It's a, one of my favorite things to do, spitball ideas on on debts and how to how to deal with it. And sometimes just having that one person to to throw ideas around kind of helps clarify things within yourself as well.\n\nChannel 1: Sure. Yes. Thanks for your offer, and I will probably take you up on it. And, yeah, I'll have a look at these docs, and I'll be in touch hopefully before the end of this month.\n\nChannel 0: Oh, absolutely. I look forward to hearing from you.\n\nChannel 1: Alright. Okay. Thanks for your time, and have a good day.\n\nChannel 0: You too, Mark. Bye.\n\nChannel 1: See you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.32,"end":2.56,"sentiment":"neutral","sentiment_score":0.008808284066617489},{"text":"Am I speaking?","start":2.56,"end":3.46,"sentiment":"neutral","sentiment_score":0.00319547097509106},{"text":"Hello?","start":6.48,"end":6.98,"sentiment":"neutral","sentiment_score":0.0031270512845367193}],"sentiment":"neutral","sentiment_score":0.004304349655285478,"channel":1,"num_words":5,"start":2.32,"end":6.98},{"sentences":[{"text":"Do I have you there, Mark?","start":12.4,"end":13.7,"sentiment":"neutral","sentiment_score":0.005445244101186593}],"sentiment":"neutral","sentiment_score":0.005445244101186593,"channel":0,"num_words":6,"start":12.4,"end":13.7},{"sentences":[{"text":"Yes.","start":14.025,"end":14.264999,"sentiment":"neutral","sentiment_score":0.031067127361893657},{"text":"Speaking.","start":14.264999,"end":14.764999,"sentiment":"neutral","sentiment_score":0.028206970542669296}],"sentiment":"neutral","sentiment_score":0.029637048952281475,"channel":1,"num_words":2,"start":14.025,"end":14.764999},{"sentences":[{"text":"Hi.","start":15.785,"end":16.185,"sentiment":"neutral","sentiment_score":0.12325695157051086},{"text":"Larissa from Oakview Financial.","start":16.185,"end":17.805,"sentiment":"neutral","sentiment_score":0.1908193677663803},{"text":"How are you going?","start":17.865,"end":18.765,"sentiment":"neutral","sentiment_score":0.22072720155119896}],"sentiment":"neutral","sentiment_score":0.19660480320453644,"channel":0,"num_words":9,"start":15.785,"end":18.765},{"sentences":[{"text":"Good.","start":18.825,"end":19.145,"sentiment":"positive","sentiment_score":0.6070407629013062},{"text":"Thank you.","start":19.145,"end":19.705,"sentiment":"positive","sentiment_score":0.6440494954586029},{"text":"How are you?","start":19.705,"end":20.445,"sentiment":"neutral","sentiment_score":0.331526259581248}],"sentiment":"positive","sentiment_score":0.48161975542704266,"channel":1,"num_words":6,"start":18.825,"end":20.445},{"sentences":[{"text":"That's good.","start":20.904999,"end":21.805,"sentiment":"positive","sentiment_score":0.5601993799209595},{"text":"So have you on a good line, or does it seem to chop in and out, or is it just me?","start":23.705,"end":27.564999,"sentiment":"neutral","sentiment_score":0.11218419493663878}],"sentiment":"neutral","sentiment_score":0.15114203710918842,"channel":0,"num_words":23,"start":20.904999,"end":27.564999},{"sentences":[{"text":"I should be on a good line.","start":30.25,"end":32.73,"sentiment":"neutral","sentiment_score":0.3077186665364674},{"text":"There's not a Wi Fi or anything.","start":32.73,"end":34.59,"sentiment":"neutral","sentiment_score":0.022627229137080058},{"text":"Just in Southport.","start":35.77,"end":37.31,"sentiment":"neutral","sentiment_score":0.056042748192946114},{"text":"So","start":37.61,"end":37.85,"sentiment":"neutral","sentiment_score":0.014388326555490494}],"sentiment":"neutral","sentiment_score":0.1386076578249534,"channel":1,"num_words":18,"start":30.25,"end":37.85},{"sentences":[{"text":"No.","start":39.170002,"end":39.33,"sentiment":"neutral","sentiment_score":-0.0355057418346405},{"text":"I wouldn't have thought that there would be a bad line at all.","start":39.33,"end":41.57,"sentiment":"neutral","sentiment_score":-0.09915785061625335},{"text":"But, anyway, let me know if it drops out at all.","start":41.57,"end":43.57,"sentiment":"neutral","sentiment_score":-0.009386432611129501},{"text":"It could just could just be me.","start":43.57,"end":46.095,"sentiment":"neutral","sentiment_score":-0.01686658976333482},{"text":"But","start":47.115,"end":47.355,"sentiment":"neutral","sentiment_score":0.032023023813962936}],"sentiment":"neutral","sentiment_score":-0.045874292821143615,"channel":0,"num_words":33,"start":39.170002,"end":47.355},{"sentences":[{"text":"That's","start":47.325,"end":47.485,"sentiment":"neutral","sentiment_score":0.06890274584293365}],"sentiment":"neutral","sentiment_score":0.06890274584293365,"channel":1,"num_words":1,"start":47.325,"end":47.485},{"sentences":[{"text":"how","start":47.355,"end":47.515,"sentiment":"neutral","sentiment_score":0.08888661861419678}],"sentiment":"neutral","sentiment_score":0.08888661861419678,"channel":0,"num_words":1,"start":47.355,"end":47.515},{"sentences":[{"text":"alright.","start":47.485,"end":47.985,"sentiment":"neutral","sentiment_score":0.110181987285614}],"sentiment":"neutral","sentiment_score":0.110181987285614,"channel":1,"num_words":1,"start":47.485,"end":47.985},{"sentences":[{"text":"are you going this morning?","start":47.515,"end":48.735,"sentiment":"neutral","sentiment_score":0.10916184931993485}],"sentiment":"neutral","sentiment_score":0.10916184931993485,"channel":0,"num_words":5,"start":47.515,"end":48.735},{"sentences":[{"text":"Hey.","start":49.325,"end":49.565,"sentiment":"neutral","sentiment_score":0.2214152216911316},{"text":"Good.","start":49.565,"end":49.725,"sentiment":"positive","sentiment_score":0.421619325876236},{"text":"Thanks.","start":49.725,"end":50.225,"sentiment":"positive","sentiment_score":0.5857404470443726},{"text":"I'm just having an easy day.","start":50.364998,"end":53.344997,"sentiment":"positive","sentiment_score":0.6621524890263876}],"sentiment":"positive","sentiment_score":0.5779655476411184,"channel":1,"num_words":9,"start":49.325,"end":53.344997},{"sentences":[{"text":"Oh, I love that.","start":55.195,"end":56.095,"sentiment":"positive","sentiment_score":0.7472257912158966},{"text":"That's perfect.","start":57.63,"end":58.59,"sentiment":"positive","sentiment_score":0.8409183919429779},{"text":"We love a good easy day.","start":58.59,"end":60.13,"sentiment":"positive","sentiment_score":0.7784552176793417}],"sentiment":"positive","sentiment_score":0.7784559379021326,"channel":0,"num_words":12,"start":55.195,"end":60.13},{"sentences":[{"text":"And what about yourself?","start":60.63,"end":61.77,"sentiment":"neutral","sentiment_score":0.24776558950543404}],"sentiment":"neutral","sentiment_score":0.24776558950543404,"channel":1,"num_words":4,"start":60.63,"end":61.77},{"sentences":[{"text":"Nothing wrong with that.","start":61.39,"end":62.77,"sentiment":"neutral","sentiment_score":0.24641292169690132},{"text":"Oh, I wish it was an easy day so far.","start":63.629997,"end":67.869995,"sentiment":"positive","sentiment_score":0.45720312297344207},{"text":"No.","start":67.869995,"end":68.11,"sentiment":"neutral","sentiment_score":0.15687574446201324},{"text":"It's it's been actually pretty okay.","start":68.11,"end":69.81,"sentiment":"positive","sentiment_score":0.43645639220873517},{"text":"Had a coffee, had breakfast, went for a run this morning.","start":70.03,"end":73.01,"sentiment":"positive","sentiment_score":0.46598572622645984}],"sentiment":"positive","sentiment_score":0.42059812508523464,"channel":0,"num_words":32,"start":61.39,"end":73.01},{"sentences":[{"text":"Can't complain.","start":73.355,"end":74.255005,"sentiment":"positive","sentiment_score":0.4282480478286743}],"sentiment":"positive","sentiment_score":0.4282480478286743,"channel":0,"num_words":2,"start":73.355,"end":74.255005},{"sentences":[{"text":"Really on top of life.","start":77.165,"end":78.545,"sentiment":"positive","sentiment_score":0.5286671817302704}],"sentiment":"positive","sentiment_score":0.5286671817302704,"channel":1,"num_words":5,"start":77.165,"end":78.545},{"sentences":[{"text":"Yeah.","start":79.515,"end":79.915,"sentiment":"neutral","sentiment_score":0.2738744616508484},{"text":"Very much.","start":79.915,"end":80.735,"sentiment":"positive","sentiment_score":0.35103973746299744},{"text":"Got it.","start":81.035,"end":81.695,"sentiment":"neutral","sentiment_score":0.13780223950743675},{"text":"Got three kids underfoot, so can't can't slack off, unfortunately.","start":81.995,"end":85.455,"sentiment":"neutral","sentiment_score":-0.08912756890058518}],"sentiment":"neutral","sentiment_score":0.024018848439057668,"channel":0,"num_words":15,"start":79.515,"end":85.455},{"sentences":[{"text":"Yes.","start":86.365,"end":86.525,"sentiment":"neutral","sentiment_score":0.05823161453008652},{"text":"True.","start":86.525,"end":87.025,"sentiment":"neutral","sentiment_score":0.07815217971801758}],"sentiment":"neutral","sentiment_score":0.06819189712405205,"channel":1,"num_words":2,"start":86.365,"end":87.025},{"sentences":[{"text":"Now the reason for my call today so my name is Larissa.","start":89.44,"end":92.48,"sentiment":"neutral","sentiment_score":0.05026027715454499},{"text":"I'm the head of financial advice at Oakview.","start":92.48,"end":94.82,"sentiment":"neutral","sentiment_score":0.08559253253042698},{"text":"And what I was calling for was to go through and present the statement of advice that we put 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that's what I'm going to to sort of go through and explain with you.","start":119.87,"end":131.955,"sentiment":"neutral","sentiment_score":0.09692259651382228},{"text":"So the statement of advice details the actual recommendations that we've put together through all the research and based on the goals that you had outlined.","start":132.27501,"end":142.455,"sentiment":"neutral","sentiment_score":0.16781082606086364}],"sentiment":"neutral","sentiment_score":0.07715941969420492,"channel":0,"num_words":97,"start":104.215004,"end":142.455},{"sentences":[{"text":"Yep.","start":144.785,"end":145.285,"sentiment":"neutral","sentiment_score":-0.03577164560556412}],"sentiment":"neutral","sentiment_score":-0.03577164560556412,"channel":1,"num_words":1,"start":144.785,"end":145.285},{"sentences":[{"text":"Now you had a number of goals that you were, I guess, aiming towards achieving, and sort of one of those was, you know, you were sort of look at your superannuation and and try and make sure that you you could, I guess, re review the investment options that were available within it.","start":145.73,"end":163.155,"sentiment":"neutral","sentiment_score":0.14013770671078452},{"text":"Have a look at the insurance to make sure that your insurance policy was adequately covering the debt that you had.","start":163.695,"end":172.27501,"sentiment":"neutral","sentiment_score":0.07223133778288252}],"sentiment":"neutral","sentiment_score":0.12112392341097196,"channel":0,"num_words":75,"start":145.73,"end":172.27501},{"sentences":[{"text":"Hello?","start":172.97499,"end":173.47499,"sentiment":"neutral","sentiment_score":0.07197260856628418}],"sentiment":"neutral","sentiment_score":0.07197260856628418,"channel":1,"num_words":1,"start":172.97499,"end":173.47499},{"sentences":[{"text":"Additionally, have a look at the debt management around your property as well.","start":176.69,"end":183.83,"sentiment":"neutral","sentiment_score":0.0605191932274745},{"text":"So you wanted to I guess, at the moment at little bit overwhelmed with the the amount of debt that's there, and you're wanting to sort of get a little more of a a handle on on that that property and and make sure that we're we're getting everything covered there.","start":184.85,"end":201.035,"sentiment":"neutral","sentiment_score":-0.09196509771487292}],"sentiment":"neutral","sentiment_score":-0.0609917261172086,"channel":0,"num_words":64,"start":176.69,"end":201.035},{"sentences":[{"text":"Yeah.","start":201.97499,"end":202.47499,"sentiment":"neutral","sentiment_score":0.041234876960515976}],"sentiment":"neutral","sentiment_score":0.041234876960515976,"channel":1,"num_words":1,"start":201.97499,"end":202.47499},{"sentences":[{"text":"So aside from that, we did have that you you have you have a goal with with regards to the property that we will look at a little bit later.","start":207.44,"end":219.285,"sentiment":"neutral","sentiment_score":0.10602613228062789},{"text":"So looking at sort of, I guess, the sale of of your property, potentially something within a few years' time.","start":219.285,"end":227.225,"sentiment":"neutral","sentiment_score":0.056038332358002665},{"text":"So at the moment, that's obviously scoped out because it doesn't sort of fall within a time frame that we're able to to scope that into, but it's something that we're able to work towards looking at a little bit later.","start":228.0,"end":239.3,"sentiment":"neutral","sentiment_score":0.06849994428637551}],"sentiment":"neutral","sentiment_score":0.07813239924527787,"channel":0,"num_words":91,"start":207.44,"end":239.3},{"sentences":[{"text":"Yeah.","start":241.77,"end":242.27,"sentiment":"neutral","sentiment_score":0.0044827573001384735},{"text":"I've had some rethinks about my property anyway, so it's probably not the most important or yeah.","start":243.29,"end":253.705,"sentiment":"neutral","sentiment_score":-0.11439736713381375},{"text":"I've just got a different action plan on 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yet?","start":335.11,"end":343.29,"sentiment":"neutral","sentiment_score":0.0783819817006588}],"sentiment":"neutral","sentiment_score":0.08623570690349656,"channel":0,"num_words":49,"start":324.165,"end":343.29},{"sentences":[{"text":"Around $7.70 a week.","start":343.425,"end":346.085,"sentiment":"neutral","sentiment_score":0.0628245361149311},{"text":"So that's yeah, better than nothing, and it's it's my probably, I also wanna keep this principal PPLR or whatever it's 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PPO.","start":363.37997,"end":364.59998,"sentiment":"neutral","sentiment_score":0.0716247521340847}],"sentiment":"neutral","sentiment_score":0.0716247521340847,"channel":0,"num_words":4,"start":363.37997,"end":364.59998},{"sentences":[{"text":"yeah.","start":364.945,"end":365.185,"sentiment":"neutral","sentiment_score":0.07875043153762817},{"text":"And then just keep it for the longer term and then sell off the Southport ones that sort of don't give me much interest or joy.","start":365.185,"end":378.19,"sentiment":"neutral","sentiment_score":-0.04420578751999598}],"sentiment":"neutral","sentiment_score":-0.03965185348082472,"channel":1,"num_words":27,"start":364.945,"end":378.19},{"sentences":[{"text":"Yeah.","start":379.715,"end":380.115,"sentiment":"neutral","sentiment_score":0.10922084748744965},{"text":"Absolutely.","start":380.115,"end":380.615,"sentiment":"neutral","sentiment_score":0.16012951731681824},{"text":"So you you're you're thinking you might just rent out the PPR and 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fine.","start":405.505,"end":406.725,"sentiment":"neutral","sentiment_score":0.10911318163077037},{"text":"Alright.","start":406.97,"end":407.29,"sentiment":"neutral","sentiment_score":0.1816028356552124}],"sentiment":"neutral","sentiment_score":0.1155363539499896,"channel":0,"num_words":7,"start":404.305,"end":407.29},{"sentences":[{"text":"Well, let's go through it, and we can kind of talk about a few of the points we put together anyway because they could give you a little bit of a, I guess, thought process to think about on how things can sort of flow.","start":407.29,"end":422.315,"sentiment":"neutral","sentiment_score":0.18802940415011513},{"text":"And, you know, based on what you're saying now, we can always update and make changes to to how we wanna, I guess, progress.","start":423.095,"end":428.95502,"sentiment":"neutral","sentiment_score":0.19841313362121582},{"text":"So with with yourself, I've got you on, like, a $160,000 a 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cash.","start":486.405,"end":491.91,"sentiment":"positive","sentiment_score":0.5931288682752185},{"text":"Now","start":492.87,"end":493.37,"sentiment":"neutral","sentiment_score":0.22474604845046997}],"sentiment":"neutral","sentiment_score":0.25636082997286247,"channel":0,"num_words":79,"start":459.46503,"end":493.37},{"sentences":[{"text":"Yeah.","start":492.92,"end":493.42,"sentiment":"neutral","sentiment_score":0.2041952908039093}],"sentiment":"neutral","sentiment_score":0.2041952908039093,"channel":1,"num_words":1,"start":492.92,"end":493.42},{"sentences":[{"text":"with your superannuation and and the form of your assets, you currently have about 516,000 within your q super account, and you also have an addition an insurance policy within that account.","start":493.91,"end":507.345,"sentiment":"neutral","sentiment_score":0.2268460774794221},{"text":"So you have a life and a total and permanent disability policy in that, which currently services a $179,000 in the event that you would have passed away or be totally disabled.","start":507.345,"end":520.565,"sentiment":"neutral","sentiment_score":0.19731246563605964},{"text":"So you have that cover within that fund.","start":521.025,"end":524.25,"sentiment":"neutral","sentiment_score":0.23509665578603745},{"text":"Now","start":525.75,"end":526.25,"sentiment":"neutral","sentiment_score":0.1424286663532257}],"sentiment":"neutral","sentiment_score":0.21364760674434166,"channel":0,"num_words":73,"start":493.91,"end":526.25},{"sentences":[{"text":"Yes.","start":525.84,"end":526.34,"sentiment":"neutral","sentiment_score":0.11234075576066972}],"sentiment":"neutral","sentiment_score":0.11234075576066972,"channel":1,"num_words":1,"start":525.84,"end":526.34},{"sentences":[{"text":"with regards to any investments, what we do and and and what you went through with, Sebi, the director, is you went through and completed what's called a risk 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markets.","start":553.1,"end":556.54,"sentiment":"neutral","sentiment_score":0.05315297784713598},{"text":"You still got quite an extensive time before you're looking to access any of the capital of the investment.","start":556.54,"end":561.2,"sentiment":"neutral","sentiment_score":-0.007858049320547204},{"text":"You know, you're not looking to to take off you know, you're not looking to throw it all on red type of thing at the at the roulette tables.","start":562.06,"end":571.175,"sentiment":"neutral","sentiment_score":-0.14039510193056073},{"text":"It's it's purely and simply that you are calculated in how you wanna invest, but you're willing to let it ride a little bit more than, you know, be conservative per se.","start":571.475,"end":582.055,"sentiment":"neutral","sentiment_score":0.13881730823777616},{"text":"Now, ultimately, what we've actually recommended, because you have such a time frame to be able to invest, is to pop you up into what's called an aggressive investment profile.","start":583.35004,"end":594.81,"sentiment":"neutral","sentiment_score":0.17551836147904396}],"sentiment":"neutral","sentiment_score":0.050227093714766385,"channel":0,"num_words":123,"start":553.1,"end":594.81},{"sentences":[{"text":"Now the difference between a high growth and an aggressive is really where the assets actually lie.","start":595.19,"end":601.105,"sentiment":"neutral","sentiment_score":0.09339051255408455},{"text":"So with any kind of risk profile, what that actually denotes is where the assets sit, whether they sit within a growth sector or whether they sit within defensive sector.","start":601.485,"end":614.4,"sentiment":"neutral","sentiment_score":0.04702799688869466},{"text":"Now from that, that percentage or weighting between those two allocations outlines what the what the risk profile is.","start":614.77997,"end":628.175,"sentiment":"neutral","sentiment_score":0.041192765690778434},{"text":"So an aggressive risk profile basically means that a 100% of the 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time.","start":686.665,"end":691.085,"sentiment":"neutral","sentiment_score":0.14676376088307455},{"text":"You then start taking steps to become more defensive as you getting older, as we start reaching towards our time frame to to, you know, cease investing or slow down investing, so to speak.","start":691.46497,"end":704.72003,"sentiment":"neutral","sentiment_score":0.0673178048694835},{"text":"Now, realistically, unless specifically with your superannuation, unless you were aiming to withdraw the entire balance at retirement or, you know, at age 60, whatever the age is, you're still gonna remain invested while you're retired and drawing down an income stream.","start":705.9,"end":721.865,"sentiment":"neutral","sentiment_score":-0.04789990166734372},{"text":"So it's just a matter of making sure that you are calculating the steps as we near towards 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sense?","start":741.035,"end":742.015,"sentiment":"neutral","sentiment_score":0.22661924362182617}],"sentiment":"neutral","sentiment_score":0.30360788106918335,"channel":0,"num_words":35,"start":729.03,"end":742.015},{"sentences":[{"text":"Yes.","start":742.5,"end":743.0,"sentiment":"neutral","sentiment_score":0.29929712414741516}],"sentiment":"neutral","sentiment_score":0.29929712414741516,"channel":1,"num_words":1,"start":742.5,"end":743.0},{"sentences":[{"text":"Yeah.","start":743.275,"end":743.595,"sentiment":"positive","sentiment_score":0.42680883407592773},{"text":"Cool.","start":743.595,"end":744.095,"sentiment":"positive","sentiment_score":0.4946378171443939},{"text":"Now with respect to the strategies, there are a few of them.","start":744.635,"end":750.00995,"sentiment":"neutral","sentiment_score":0.10727677680552006},{"text":"But, realistically, one of the biggest ones did center around selling your primary place of residence.","start":750.00995,"end":757.38995,"sentiment":"neutral","sentiment_score":-0.01648526405915618},{"text":"Because at the time that you spoke with Sevi, that was something that you had discussed as something you were willing to do to be able to become debt free and go from there.","start":758.25,"end":770.635,"sentiment":"neutral","sentiment_score":0.00917203729862676}],"sentiment":"neutral","sentiment_score":0.03526332837645896,"channel":0,"num_words":64,"start":743.275,"end":770.635},{"sentences":[{"text":"Now the statement of advice does very much center around selling that PPR, the 1,300,000, you know, closing out the debts and and being able to go from there.","start":770.855,"end":782.27997,"sentiment":"neutral","sentiment_score":0.11266388474353428},{"text":"That's obviously not something that you're wanting to do anymore.","start":783.77997,"end":787.8,"sentiment":"negative","sentiment_score":-0.40427041947841647},{"text":"But as you 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yeah.","start":801.33,"end":802.47003,"sentiment":"neutral","sentiment_score":-0.03566110413521528}],"sentiment":"neutral","sentiment_score":-0.03566110413521528,"channel":1,"num_words":2,"start":801.33,"end":802.47003},{"sentences":[{"text":"Yeah.","start":802.105,"end":802.605,"sentiment":"neutral","sentiment_score":0.0026453621685504913}],"sentiment":"neutral","sentiment_score":0.0026453621685504913,"channel":0,"num_words":1,"start":802.105,"end":802.605},{"sentences":[{"text":"Yeah.","start":802.69,"end":803.01,"sentiment":"neutral","sentiment_score":0.017687980085611343},{"text":"I was asking looking for yeah.","start":803.01,"end":806.61005,"sentiment":"neutral","sentiment_score":-0.0025632139295339584},{"text":"What is the best strategy?","start":806.61005,"end":808.79004,"sentiment":"neutral","sentiment_score":-0.005122777074575424},{"text":"It's not like I was 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strategy.","start":818.785,"end":819.76495,"sentiment":"neutral","sentiment_score":-0.05398093909025192}],"sentiment":"neutral","sentiment_score":-0.05398093909025192,"channel":0,"num_words":3,"start":818.785,"end":819.76495},{"sentences":[{"text":"some sort of modeling behind it or what could be the best strategy.","start":819.655,"end":824.555,"sentiment":"neutral","sentiment_score":0.0013718212453218608}],"sentiment":"neutral","sentiment_score":0.0013718212453218608,"channel":1,"num_words":13,"start":819.655,"end":824.555},{"sentences":[{"text":"Yeah.","start":825.425,"end":825.665,"sentiment":"neutral","sentiment_score":0.0835193395614624},{"text":"And that's that's where he came up with the selling of the PPR versus selling either of the two other properties.","start":825.665,"end":831.52997,"sentiment":"neutral","sentiment_score":0.04034528278169178},{"text":"So, normally, like so if a if a client comes to us and and was was to say, 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in any of the modeling or anything like that.","start":860.23004,"end":863.59,"sentiment":"neutral","sentiment_score":-0.17515513002872468}],"sentiment":"neutral","sentiment_score":-0.14384781156221163,"channel":0,"num_words":46,"start":850.925,"end":863.59},{"sentences":[{"text":"However, you had said you were willing to kind of let go of any of the properties.","start":863.59,"end":867.27,"sentiment":"neutral","sentiment_score":-0.0807851872899953},{"text":"There was no holes barred, I guess, for lack of a better phrase.","start":867.27,"end":870.89,"sentiment":"neutral","sentiment_score":-0.16828952156580412},{"text":"And, you know, there was no specific, I guess, attachment to the primary residence, and you were happy to let it go if it was more suitable than either the other two.","start":872.195,"end":882.295,"sentiment":"neutral","sentiment_score":0.027571071637794375},{"text":"When 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agents fees or, you know, real estate fees, and, you know, rates and water connections and all the rest of it that you would be obligated to pay to show you what, I guess, your shortage is.","start":913.45996,"end":959.325,"sentiment":"neutral","sentiment_score":0.17211165094505185},{"text":"Yes.","start":959.325,"end":959.565,"sentiment":"neutral","sentiment_score":0.05578421801328659},{"text":"That that's what I'm","start":959.565,"end":960.28503,"sentiment":"neutral","sentiment_score":0.04851393960416317}],"sentiment":"neutral","sentiment_score":0.16702233195925753,"channel":0,"num_words":120,"start":913.45996,"end":960.28503},{"sentences":[{"text":"Yeah.","start":960.41504,"end":960.895,"sentiment":"neutral","sentiment_score":0.056270532310009}],"sentiment":"neutral","sentiment_score":0.056270532310009,"channel":1,"num_words":1,"start":960.41504,"end":960.895},{"sentences":[{"text":"what what 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now.","start":1014.445,"end":1016.225,"sentiment":"neutral","sentiment_score":0.13081780299544335}],"sentiment":"neutral","sentiment_score":0.13516955241560935,"channel":0,"num_words":25,"start":1009.725,"end":1016.225},{"sentences":[{"text":"there.","start":1015.77747,"end":1016.27747,"sentiment":"neutral","sentiment_score":0.04490096867084503}],"sentiment":"neutral","sentiment_score":0.04490096867084503,"channel":1,"num_words":1,"start":1015.77747,"end":1016.27747},{"sentences":[{"text":"But if you pop down to page 17, it outlines the the recommendation for the superannuation.","start":1018.41,"end":1026.11,"sentiment":"neutral","sentiment_score":0.04048811667598784},{"text":"So you're with QSuper at the moment.","start":1027.29,"end":1028.89,"sentiment":"neutral","sentiment_score":-0.037984419614076614},{"text":"QSuper has a very limited investment scope.","start":1028.89,"end":1032.365,"sentiment":"neutral","sentiment_score":-0.17038315960339137},{"text":"So they have premix investment options that don't allow you to diversify fully within the platform.","start":1032.5851,"end":1040.685,"sentiment":"neutral","sentiment_score":-0.09710559505037963},{"text":"So what Citi's recommended is the establishment of a hub twenty four super fund.","start":1041.305,"end":1046.37,"sentiment":"neutral","sentiment_score":0.05077321055744376}],"sentiment":"neutral","sentiment_score":-0.0275604626784722,"channel":0,"num_words":60,"start":1018.41,"end":1046.37},{"sentences":[{"text":"Now we deal with many, many, many different platforms.","start":1046.69,"end":1049.43,"sentiment":"neutral","sentiment_score":-0.0048670827721556025},{"text":"So Hub twenty four has been recommended because it's suitable for you, not because we're working with one platform over another.","start":1049.57,"end":1058.23,"sentiment":"positive","sentiment_score":0.4332752327124278},{"text":"And then he's recommended that we establish a investment portfolio that gives you a bit more diversity.","start":1059.3949,"end":1069.735,"sentiment":"positive","sentiment_score":0.4001019860015196},{"text":"So the investments that he's recommended are listed in the document on page 21, but it's, you know, like, a cybersecurity's asset.","start":1070.195,"end":1080.9099,"sentiment":"neutral","sentiment_score":0.21365944363854147},{"text":"He's recommended a health care asset.","start":1081.85,"end":1084.1699,"sentiment":"neutral","sentiment_score":0.1328592747449875}],"sentiment":"neutral","sentiment_score":0.2847249775007367,"channel":0,"num_words":75,"start":1046.69,"end":1084.1699},{"sentences":[{"text":"So each of these assets are what's called ETF or exchange trade funds.","start":1084.1699,"end":1088.75,"sentiment":"neutral","sentiment_score":0.13019065788159004},{"text":"So they individually you know, it looks like you're basically holding eight eight different holdings.","start":1089.095,"end":1095.015,"sentiment":"neutral","sentiment_score":0.14509726812442145},{"text":"But underneath the underlying assets, there's anything between 20 to a 100 individual companies, stocks, and shares inbuilt into each of those different assets there.","start":1095.015,"end":1108.15,"sentiment":"neutral","sentiment_score":0.1926690536737442},{"text":"So it gives you a lot more diversity across what you're investing in, and it gives you a a bit more security with everything as well.","start":1108.29,"end":1117.4299,"sentiment":"positive","sentiment_score":0.5278000063621081},{"text":"So you're currently in a full international shares hedged investment, so you are very, very aggressive already.","start":1117.57,"end":1127.735,"sentiment":"neutral","sentiment_score":0.234097800710622}],"sentiment":"neutral","sentiment_score":0.2748763197256873,"channel":0,"num_words":96,"start":1084.1699,"end":1127.735},{"sentences":[{"text":"This gives you a little bit more diversity to that investment without currently, like, all of your your your stocks are hedged in one asset.","start":1128.515,"end":1139.1599,"sentiment":"neutral","sentiment_score":0.1742477822303772},{"text":"You're international only.","start":1139.62,"end":1140.9199,"sentiment":"neutral","sentiment_score":0.03467909246683121},{"text":"You haven't been able to pick and select where you're able to invest, so it takes away some of the, I guess, control from you because Screw Super only has very limited assets, which you would know because you've very much gone and selected this asset.","start":1141.38,"end":1156.235,"sentiment":"neutral","sentiment_score":-0.07777624820237575},{"text":"This asset is not something that is generally preselected for an individual.","start":1156.235,"end":1160.895,"sentiment":"neutral","sentiment_score":0.021314020734280348},{"text":"So the different stocks that have been or the ETFs that have been selected give you a bit more of a diversity across the market and allow you to have a little bit more little bit more control.","start":1162.19,"end":1173.47,"sentiment":"neutral","sentiment_score":0.2499554247448319}],"sentiment":"neutral","sentiment_score":0.08577902262069044,"channel":0,"num_words":124,"start":1128.515,"end":1173.47},{"sentences":[{"text":"So, like, you have a a Nasdaq investment.","start":1173.47,"end":1175.8099,"sentiment":"neutral","sentiment_score":0.15688631869852543},{"text":"You have a tech investment, which you know, the tech investment, a little bit more volatile on the market, but does have really good returns.","start":1175.87,"end":1183.7849,"sentiment":"neutral","sentiment_score":0.20967645108699798},{"text":"Each of these stocks are what's called investment grade or above.","start":1184.725,"end":1188.505,"sentiment":"neutral","sentiment_score":0.1860369477759708},{"text":"So we don't invest in really high risk assets that, you know, have not to, I guess, insult your intelligence, but can I ask how much of investing do you actually know?","start":1188.725,"end":1201.5599,"sentiment":"neutral","sentiment_score":-0.06658031072583981},{"text":"So if I was to say alpha and beta, do you understand what those terminologies mean with investments?","start":1201.5599,"end":1205.8999,"sentiment":"neutral","sentiment_score":-0.02862988132983446}],"sentiment":"neutral","sentiment_score":0.06273936643760572,"channel":0,"num_words":94,"start":1173.47,"end":1205.8999},{"sentences":[{"text":"No.","start":1207.12,"end":1207.44,"sentiment":"negative","sentiment_score":-0.3939692378044128},{"text":"That's I don't really","start":1207.44,"end":1208.945,"sentiment":"negative","sentiment_score":-0.37140367925167084}],"sentiment":"negative","sentiment_score":-0.37591679096221925,"channel":1,"num_words":5,"start":1207.12,"end":1208.945},{"sentences":[{"text":"No.","start":1208.475,"end":1208.715,"sentiment":"neutral","sentiment_score":-0.2626190185546875},{"text":"That's","start":1208.715,"end":1209.215,"sentiment":"negative","sentiment_score":-0.43519648909568787}],"sentiment":"negative","sentiment_score":-0.3489077538251877,"channel":0,"num_words":2,"start":1208.475,"end":1209.215},{"sentences":[{"text":"invest, yeah, too much for the foreign language.","start":1209.8049,"end":1213.1849,"sentiment":"negative","sentiment_score":-0.4466521292924881}],"sentiment":"negative","sentiment_score":-0.4466521292924881,"channel":1,"num_words":8,"start":1209.8049,"end":1213.1849},{"sentences":[{"text":"okay.","start":1213.6749,"end":1214.1749,"sentiment":"neutral","sentiment_score":-0.009694553911685944},{"text":"That that's okay.","start":1214.315,"end":1215.375,"sentiment":"neutral","sentiment_score":0.028574053198099136},{"text":"So let's just say take hack, for example.","start":1215.5149,"end":1219.0499,"sentiment":"neutral","sentiment_score":0.0508158509619534},{"text":"So Hack is the is the the API or the tracker code that when you're investing, each each asset that you have to buy has its own tracker code so you know what you're investing in.","start":1219.0499,"end":1230.555,"sentiment":"neutral","sentiment_score":0.07914251399536927},{"text":"So Hack is basically the beta shares.","start":1231.515,"end":1233.915,"sentiment":"neutral","sentiment_score":0.09755776077508926}],"sentiment":"neutral","sentiment_score":0.07299253168431195,"channel":0,"num_words":55,"start":1213.6749,"end":1233.915},{"sentences":[{"text":"Beta shares is the investment manager, and cybersecurity is, you know, basically what is in under the fund.","start":1233.915,"end":1241.4551,"sentiment":"neutral","sentiment_score":0.09572087683611447},{"text":"Now within that fund, there are quite a number of different companies.","start":1241.8351,"end":1246.98,"sentiment":"neutral","sentiment_score":0.0683673017968734},{"text":"It does change, but with hack, basically, what the investment is aiming to do is to invest specifically within cybersecurity tech companies that are established and, like, growing.","start":1247.68,"end":1266.395,"sentiment":"neutral","sentiment_score":0.16104286589792796},{"text":"The the whole point of the the asset is not to stagnate or invest in companies that have hit their their peak and are, you know, are are done with their evolution.","start":1267.175,"end":1278.4601,"sentiment":"neutral","sentiment_score":0.1736387178534642},{"text":"And it also doesn't invest in stocks in companies that are establishing, so brand new companies that have a high risk of of obviously faulting.","start":1279.0801,"end":1288.06,"sentiment":"neutral","sentiment_score":-0.1830061250180006}],"sentiment":"neutral","sentiment_score":0.06985973474448141,"channel":0,"num_words":115,"start":1233.915,"end":1288.06},{"sentences":[{"text":"So every single one of the companies is is researched and is is is looked at.","start":1288.445,"end":1293.425,"sentiment":"neutral","sentiment_score":0.07290681730955839},{"text":"BetaShares is the investment manager that researches each each of these assets.","start":1293.885,"end":1297.905,"sentiment":"neutral","sentiment_score":0.05665460073699554},{"text":"It is still very volatile because your tech companies can be very volatile.","start":1299.965,"end":1304.34,"sentiment":"neutral","sentiment_score":-0.2793069768410463},{"text":"And so the the actual asset itself does tend to to throw its weight around up and down.","start":1305.36,"end":1312.18,"sentiment":"neutral","sentiment_score":-0.12816059961915016},{"text":"You have a little bit more of your you're cushioning that through gold.","start":1312.88,"end":1316.1,"sentiment":"neutral","sentiment_score":-0.012749051245359274}],"sentiment":"neutral","sentiment_score":-0.05912853989543186,"channel":0,"num_words":72,"start":1288.445,"end":1316.1},{"sentences":[{"text":"So there's a little bit of gold in the portfolio that does cushion a little bit more of that blow when you've got your, you know, your your more aggressive stocks that are the throwing weight.","start":1316.385,"end":1326.3251,"sentiment":"neutral","sentiment_score":0.0614543907965223},{"text":"Tech does the same thing.","start":1326.545,"end":1327.585,"sentiment":"neutral","sentiment_score":0.08831468373537063},{"text":"Nasdaq is obviously very much known for doing that.","start":1327.585,"end":1332.83,"sentiment":"neutral","sentiment_score":0.15675878607564503},{"text":"You've also got S and P 500, so that's pretty much really a nice steady steady asset.","start":1333.21,"end":1338.75,"sentiment":"neutral","sentiment_score":0.26432722368661093},{"text":"And you've got your India stocks as well, which can be a little bit more volatile.","start":1340.01,"end":1345.23,"sentiment":"neutral","sentiment_score":0.03535710135474801}],"sentiment":"neutral","sentiment_score":0.10992815646241946,"channel":0,"num_words":83,"start":1316.385,"end":1345.23},{"sentences":[{"text":"Haven't been of late, but can definitely be more volatile.","start":1346.1951,"end":1348.855,"sentiment":"neutral","sentiment_score":-0.1267922192811966},{"text":"So each of those assets, I guess, do their own thing.","start":1349.715,"end":1353.495,"sentiment":"neutral","sentiment_score":0.007121121680194681},{"text":"Now the portfolio as a whole, any single super fund has to have a cash balance.","start":1354.275,"end":1361.39,"sentiment":"neutral","sentiment_score":-0.010062182787805796},{"text":"The hub twenty four fund requires, like, a 1.25 cash allocation.","start":1361.61,"end":1366.51,"sentiment":"neutral","sentiment_score":-0.014556465162472292},{"text":"So there's 1.25% that'll be held in cash, and that's because the portfolio requires it.","start":1366.81,"end":1371.47,"sentiment":"neutral","sentiment_score":0.020916896065076192}],"sentiment":"neutral","sentiment_score":-0.018999245313424912,"channel":0,"num_words":63,"start":1346.1951,"end":1371.47},{"sentences":[{"text":"QSuper does the same thing.","start":1372.41,"end":1373.61,"sentiment":"neutral","sentiment_score":0.12447194159030914},{"text":"Every single portfolio or platform requires some form of money to be held in actual cash.","start":1373.61,"end":1379.235,"sentiment":"neutral","sentiment_score":0.06344343139789999},{"text":"Some of the portfolios will hold it within the asset as an underlying because, obviously, the way we've split your assets, a lot of these assets don't have underlying cash.","start":1379.9349,"end":1390.6749,"sentiment":"neutral","sentiment_score":0.07403627187013626},{"text":"Some of them do, but we've kept your cash balance obviously to a to a minimum because we're hoping like, you know, we're wanting to put more of the assets on the market than less.","start":1390.76,"end":1399.8201,"sentiment":"neutral","sentiment_score":0.12483454793691635},{"text":"Now","start":1401.88,"end":1402.38,"sentiment":"neutral","sentiment_score":0.06621221452951431}],"sentiment":"neutral","sentiment_score":0.09533292136486919,"channel":0,"num_words":87,"start":1372.41,"end":1402.38},{"sentences":[{"text":"Right.","start":1402.09,"end":1402.59,"sentiment":"neutral","sentiment_score":0.07093463093042374},{"text":"Yep.","start":1403.37,"end":1403.87,"sentiment":"neutral","sentiment_score":0.1407872885465622}],"sentiment":"neutral","sentiment_score":0.10586095973849297,"channel":1,"num_words":2,"start":1402.09,"end":1403.87},{"sentences":[{"text":"the aim towards this is to have a low beta, high alpha.","start":1403.5751,"end":1410.295,"sentiment":"neutral","sentiment_score":0.19532700379689535},{"text":"So the whole point of a high alpha investment is to to outsource the market.","start":1410.295,"end":1418.43,"sentiment":"neutral","sentiment_score":0.3080260843038559},{"text":"A low beta means that it's costing less than the market equivalent.","start":1418.7301,"end":1424.03,"sentiment":"neutral","sentiment_score":0.24480092898011208},{"text":"So it's why we'd aim towards ETF because they're generally a little bit more cost effective because you're able to bundle a lot of different companies into one cube, I guess.","start":1424.65,"end":1436.005,"sentiment":"positive","sentiment_score":0.36642054636632243},{"text":"And it means that your purchase cost across, you know, buying all these assets reduces a lot.","start":1436.465,"end":1442.645,"sentiment":"positive","sentiment_score":0.38114450083059426}],"sentiment":"neutral","sentiment_score":0.3188554012569888,"channel":0,"num_words":87,"start":1403.5751,"end":1442.645},{"sentences":[{"text":"Yep.","start":1444.295,"end":1444.795,"sentiment":"neutral","sentiment_score":0.2350066602230072}],"sentiment":"neutral","sentiment_score":0.2350066602230072,"channel":1,"num_words":1,"start":1444.295,"end":1444.795},{"sentences":[{"text":"Now with reference to, I guess, the cost base between the two, currently, your your q super fund in the portfolio that it's in is performing at, like, a nine point zero four percent five year rolling.","start":1445.8099,"end":1462.405,"sentiment":"neutral","sentiment_score":0.19987871699236534},{"text":"So it's it","start":1463.985,"end":1464.545,"sentiment":"neutral","sentiment_score":0.1912001222372055}],"sentiment":"neutral","sentiment_score":0.19922782238572836,"channel":0,"num_words":40,"start":1445.8099,"end":1464.545},{"sentences":[{"text":"Mhmm.","start":1464.4149,"end":1464.9149,"sentiment":"neutral","sentiment_score":0.3036656975746155}],"sentiment":"neutral","sentiment_score":0.3036656975746155,"channel":1,"num_words":1,"start":1464.4149,"end":1464.9149},{"sentences":[{"text":"is doing really well.","start":1464.545,"end":1465.505,"sentiment":"positive","sentiment_score":0.5187060609459877},{"text":"Don't get me wrong.","start":1465.505,"end":1466.145,"sentiment":"neutral","sentiment_score":0.1980263888835907},{"text":"Like, 9% is really great, and over a five year time frame is fantastic.","start":1466.145,"end":1470.0851,"sentiment":"positive","sentiment_score":0.6175415899072375},{"text":"It is very much only in international stocks, and you're hedged in international stocks.","start":1471.52,"end":1477.0399,"sentiment":"neutral","sentiment_score":0.25041692703962326},{"text":"You don't have any national stocks or anything like that.","start":1477.0399,"end":1479.6799,"sentiment":"neutral","sentiment_score":0.031089796125888823}],"sentiment":"neutral","sentiment_score":0.3332444999528968,"channel":0,"num_words":46,"start":1464.545,"end":1479.6799},{"sentences":[{"text":"And, again, you're very limited on what you're able to see.","start":1479.6799,"end":1483.14,"sentiment":"neutral","sentiment_score":0.0028831899928098374},{"text":"QSuper and the investment menu that you're in is low cost.","start":1484.385,"end":1488.9651,"sentiment":"positive","sentiment_score":0.37026526169343427},{"text":"So if you have a look on the document at page 24, you'll be able to see a cost breakdown between the two funds.","start":1489.425,"end":1497.125,"sentiment":"neutral","sentiment_score":0.18743505328893661},{"text":"So your admin fees for your q super are coming out, like, $631 versus hub 24, it's 1,500 for the year.","start":1499.23,"end":1509.6499,"sentiment":"neutral","sentiment_score":0.24782744262899672}],"sentiment":"neutral","sentiment_score":0.20608135138346412,"channel":0,"num_words":67,"start":1479.6799,"end":1509.6499},{"sentences":[{"text":"Yep.","start":1510.59,"end":1511.09,"sentiment":"neutral","sentiment_score":0.008244537748396397}],"sentiment":"neutral","sentiment_score":0.008244537748396397,"channel":1,"num_words":1,"start":1510.59,"end":1511.09},{"sentences":[{"text":"Your investment fees with with your q super are quite low because you're only in that single stock option.","start":1511.445,"end":1517.5449,"sentiment":"positive","sentiment_score":0.3777915725582524},{"text":"So it's about $500 a a week versus it's about $2 or just shy of $22,300 for the investment fees for though for those funds.","start":1517.9249,"end":1528.88,"sentiment":"neutral","sentiment_score":0.2896264708042145},{"text":"We have used the highest possible investment fees for each of the funds.","start":1529.58,"end":1533.44,"sentiment":"positive","sentiment_score":0.5146234998336205},{"text":"So your Hub 24 in that investment fee, I've included brokerage fees and everything.","start":1535.34,"end":1539.975,"sentiment":"positive","sentiment_score":0.4073006755539349},{"text":"Now Hub 24 is an intuitive platform, and you won't always go to market to buy your assets.","start":1540.5149,"end":1547.495,"sentiment":"positive","sentiment_score":0.5079151656892564}],"sentiment":"positive","sentiment_score":0.4039717931091116,"channel":0,"num_words":89,"start":1511.445,"end":1547.495},{"sentences":[{"text":"It actually internally trades within other with other accounts that are currently holding those assets.","start":1547.7949,"end":1554.2699,"sentiment":"positive","sentiment_score":0.38420387903849285},{"text":"So when you go to buy, it it does what's called aggregation.","start":1554.4099,"end":1557.23,"sentiment":"positive","sentiment_score":0.35600607345501584},{"text":"So it doesn't always require you to go to open market to purchase.","start":1558.25,"end":1562.4299,"sentiment":"neutral","sentiment_score":0.20955261358847985},{"text":"So those fees are gonna be a lot less.","start":1563.37,"end":1565.2899,"sentiment":"neutral","sentiment_score":0.2762093080414666},{"text":"I very, very rarely see my clients actually go to open market.","start":1565.2899,"end":1569.925,"sentiment":"neutral","sentiment_score":-0.08980413091679414}],"sentiment":"neutral","sentiment_score":0.23225490565671295,"channel":0,"num_words":61,"start":1547.7949,"end":1569.925},{"sentences":[{"text":"And, generally, it's because I force a market trade that that actually ends up happening.","start":1570.305,"end":1574.005,"sentiment":"neutral","sentiment_score":-0.06765406330426534}],"sentiment":"neutral","sentiment_score":-0.06765406330426534,"channel":0,"num_words":15,"start":1570.305,"end":1574.005},{"sentences":[{"text":"K.","start":1576.105,"end":1576.605,"sentiment":"neutral","sentiment_score":-0.0008810143917798996}],"sentiment":"neutral","sentiment_score":-0.0008810143917798996,"channel":1,"num_words":1,"start":1576.105,"end":1576.605},{"sentences":[{"text":"Now aside from that, obviously, currently, you don't have an adviser under Oakview.","start":1578.8,"end":1584.5,"sentiment":"neutral","sentiment_score":-0.042502838401840284},{"text":"You would have an adviser.","start":1584.56,"end":1585.6,"sentiment":"neutral","sentiment_score":0.01217399463057518},{"text":"So someone that you would be able to talk to ongoing.","start":1585.6,"end":1588.02,"sentiment":"neutral","sentiment_score":0.10041544112292203},{"text":"We would help you out.","start":1588.16,"end":1589.38,"sentiment":"neutral","sentiment_score":0.29831611514091494},{"text":"You would have access to us anytime that you needed.","start":1589.52,"end":1591.86,"sentiment":"neutral","sentiment_score":0.3069249138236046}],"sentiment":"neutral","sentiment_score":0.1175848327323117,"channel":0,"num_words":44,"start":1578.8,"end":1591.86},{"sentences":[{"text":"And, you know, we're able to do these documents up, do comparisons for you.","start":1592.16,"end":1597.005,"sentiment":"neutral","sentiment_score":0.2085193395614624},{"text":"You know, if you had another a thought process or a concept you wanted, there's someone to basically be able to run through with that.","start":1597.465,"end":1605.005,"sentiment":"neutral","sentiment_score":0.11138863369822502}],"sentiment":"neutral","sentiment_score":0.14625606657220766,"channel":0,"num_words":39,"start":1592.16,"end":1605.005},{"sentences":[{"text":"Just ask a question.","start":1605.735,"end":1606.875,"sentiment":"neutral","sentiment_score":0.055399421602487564}],"sentiment":"neutral","sentiment_score":0.055399421602487564,"channel":1,"num_words":4,"start":1605.735,"end":1606.875},{"sentences":[{"text":"Yes.","start":1607.24,"end":1607.5599,"sentiment":"neutral","sentiment_score":0.0965486690402031},{"text":"Of course.","start":1607.5599,"end":1608.22,"sentiment":"neutral","sentiment_score":0.08706984668970108}],"sentiment":"neutral","sentiment_score":0.09022945413986842,"channel":0,"num_words":3,"start":1607.24,"end":1608.22},{"sentences":[{"text":"Just in regards to your table about the cost comparisons with Super.","start":1609.015,"end":1614.59,"sentiment":"neutral","sentiment_score":0.08037556832035382}],"sentiment":"neutral","sentiment_score":0.08037556832035382,"channel":1,"num_words":12,"start":1609.015,"end":1614.59},{"sentences":[{"text":"Yes.","start":1615.24,"end":1615.74,"sentiment":"neutral","sentiment_score":0.12119763344526292}],"sentiment":"neutral","sentiment_score":0.12119763344526292,"channel":0,"num_words":1,"start":1615.24,"end":1615.74},{"sentences":[{"text":"So just you got my current one with G Super, the next one with Hub 24.","start":1617.77,"end":1625.55,"sentiment":"neutral","sentiment_score":0.12741533713415265}],"sentiment":"neutral","sentiment_score":0.12741533713415265,"channel":1,"num_words":16,"start":1617.77,"end":1625.55},{"sentences":[{"text":"Yep.","start":1625.895,"end":1626.395,"sentiment":"neutral","sentiment_score":0.25006750226020813}],"sentiment":"neutral","sentiment_score":0.25006750226020813,"channel":0,"num_words":1,"start":1625.895,"end":1626.395},{"sentences":[{"text":"So just you've got me at 9.4% with q q super with the five year rolling average and the hub twenty four thirteen point six one.","start":1628.3151,"end":1640.655,"sentiment":"neutral","sentiment_score":0.26017898779649}],"sentiment":"neutral","sentiment_score":0.26017898779649,"channel":1,"num_words":26,"start":1628.3151,"end":1640.655},{"sentences":[{"text":"Yep.","start":1640.95,"end":1641.45,"sentiment":"neutral","sentiment_score":0.11909881234169006}],"sentiment":"neutral","sentiment_score":0.11909881234169006,"channel":0,"num_words":1,"start":1640.95,"end":1641.45},{"sentences":[{"text":"Does that include the cost percentage?","start":1642.2101,"end":1646.4701,"sentiment":"neutral","sentiment_score":0.08961123103896777}],"sentiment":"neutral","sentiment_score":0.08961123103896777,"channel":1,"num_words":6,"start":1642.2101,"end":1646.4701},{"sentences":[{"text":"Oh, is that Netofees?","start":1648.6649,"end":1649.725,"sentiment":"neutral","sentiment_score":0.04596076067537069},{"text":"Yes.","start":1650.105,"end":1650.605,"sentiment":"neutral","sentiment_score":0.13546356558799744}],"sentiment":"neutral","sentiment_score":0.06386132165789604,"channel":0,"num_words":5,"start":1648.6649,"end":1650.605},{"sentences":[{"text":"So after all, the line items above, that's the comparative rate at the end of the day, like, you know, five year rolling average, minus single fees and investment fees, admin fees, all that.","start":1651.5701,"end":1671.89,"sentiment":"neutral","sentiment_score":0.17452765321906874},{"text":"It's that's the bottom line.","start":1673.31,"end":1677.57,"sentiment":"neutral","sentiment_score":0.23093621134757997}],"sentiment":"neutral","sentiment_score":0.18175951964580095,"channel":1,"num_words":39,"start":1651.5701,"end":1677.57},{"sentences":[{"text":"Yes.","start":1678.135,"end":1678.635,"sentiment":"neutral","sentiment_score":0.16533121466636658}],"sentiment":"neutral","sentiment_score":0.16533121466636658,"channel":0,"num_words":1,"start":1678.135,"end":1678.635},{"sentences":[{"text":"Okay.","start":1679.55,"end":1680.05,"sentiment":"neutral","sentiment_score":0.1479157954454422}],"sentiment":"neutral","sentiment_score":0.1479157954454422,"channel":1,"num_words":1,"start":1679.55,"end":1680.05},{"sentences":[{"text":"Correct.","start":1680.5,"end":1681.0,"sentiment":"neutral","sentiment_score":0.16636544466018677},{"text":"Yeah.","start":1681.0599,"end":1681.5599,"sentiment":"neutral","sentiment_score":0.10623634606599808}],"sentiment":"neutral","sentiment_score":0.13630089536309242,"channel":0,"num_words":2,"start":1680.5,"end":1681.5599},{"sentences":[{"text":"Alright.","start":1682.99,"end":1683.39,"sentiment":"neutral","sentiment_score":0.03424198180437088},{"text":"Just seems like a lot of fees.","start":1683.39,"end":1686.465,"sentiment":"neutral","sentiment_score":-0.15706065722874232},{"text":"But if it like, if it's a overall a a better or if it nets me more than, yeah, that's a win win, I guess.","start":1688.365,"end":1700.9601,"sentiment":"positive","sentiment_score":0.4620455002784729},{"text":"And does it also does it cover or you're saying that my insurance isn't still with QSuper?","start":1702.78,"end":1713.505,"sentiment":"neutral","sentiment_score":-0.010561384808491258}],"sentiment":"neutral","sentiment_score":0.20612822692841293,"channel":1,"num_words":50,"start":1682.99,"end":1713.505},{"sentences":[{"text":"Yeah.","start":1714.38,"end":1714.62,"sentiment":"neutral","sentiment_score":0.01160153653472662},{"text":"Yeah.","start":1714.62,"end":1715.0199,"sentiment":"neutral","sentiment_score":0.032078005373477936},{"text":"So you do have insurance with QT for right now.","start":1715.0199,"end":1717.5199,"sentiment":"neutral","sentiment_score":0.04663531742990017},{"text":"What I what we wanna do is actually replace those because they're you don't have an income protection.","start":1719.525,"end":1724.985,"sentiment":"neutral","sentiment_score":0.05794851580220792},{"text":"So in the event that you were not able to work for, you know, due to an injury or illness, we wanna look at getting a a policy in place and then just also rounding out your life and total permanent disability to help cover, you know, cover you in the event that anything were to happen.","start":1725.285,"end":1743.71,"sentiment":"neutral","sentiment_score":0.052326345881610586}],"sentiment":"neutral","sentiment_score":0.052134571447112095,"channel":0,"num_words":87,"start":1714.38,"end":1743.71},{"sentences":[{"text":"Alright.","start":1745.415,"end":1745.915,"sentiment":"neutral","sentiment_score":0.11305129528045654},{"text":"Yep.","start":1746.615,"end":1747.115,"sentiment":"neutral","sentiment_score":0.14428457617759705}],"sentiment":"neutral","sentiment_score":0.1286679357290268,"channel":1,"num_words":2,"start":1745.415,"end":1747.115},{"sentences":[{"text":"I'll go over that in a second.","start":1748.105,"end":1750.0449,"sentiment":"neutral","sentiment_score":0.1582741609641484},{"text":"It's basically two pages down from where we are.","start":1751.3049,"end":1754.365,"sentiment":"neutral","sentiment_score":0.07624712172481748},{"text":"So as you can see, I guess, you know, based on if we were to basically stay in aggressive, like, in this in this risk profile for the entire time, these are the outcomes that you would basically be looking at receiving.","start":1755.945,"end":1768.74,"sentiment":"neutral","sentiment_score":0.11289613960044724},{"text":"Now, obviously, as I said, as we start nearing your retirement, we will start scaling down a little bit just because you will start becoming a little bit more risk adverse.","start":1769.28,"end":1781.155,"sentiment":"neutral","sentiment_score":-0.08626191426188715},{"text":"But that would happen with your current as well because you would wanna start protecting the the assets that you had grown rather than taking risks, you know, on on the capital that you you have.","start":1782.015,"end":1795.0399,"sentiment":"neutral","sentiment_score":0.039498153866993055}],"sentiment":"neutral","sentiment_score":0.04226876226067543,"channel":0,"num_words":125,"start":1748.105,"end":1795.0399},{"sentences":[{"text":"Yep.","start":1795.535,"end":1796.035,"sentiment":"neutral","sentiment_score":0.06466840207576752},{"text":"Understood.","start":1796.735,"end":1797.235,"sentiment":"neutral","sentiment_score":0.05436765402555466}],"sentiment":"neutral","sentiment_score":0.05951802805066109,"channel":1,"num_words":2,"start":1795.535,"end":1797.235},{"sentences":[{"text":"Cool.","start":1798.14,"end":1798.64,"sentiment":"neutral","sentiment_score":0.26348942518234253}],"sentiment":"neutral","sentiment_score":0.26348942518234253,"channel":0,"num_words":1,"start":1798.14,"end":1798.64},{"sentences":[{"text":"Sensible.","start":1798.255,"end":1798.755,"sentiment":"neutral","sentiment_score":0.2875239849090576}],"sentiment":"neutral","sentiment_score":0.2875239849090576,"channel":1,"num_words":1,"start":1798.255,"end":1798.755},{"sentences":[{"text":"Now with respect to the insurance, currently, you have the life and the total payment facility with your q super.","start":1801.595,"end":1810.815,"sentiment":"neutral","sentiment_score":0.04138406030833721},{"text":"So you don't have any income protection as I was saying.","start":1811.275,"end":1814.575,"sentiment":"neutral","sentiment_score":-0.2606287883086638},{"text":"Now what we're recommending is that we engage in a new policy for the life, the total parent disability, and the income protection.","start":1814.88,"end":1823.3,"sentiment":"neutral","sentiment_score":0.08608181636942469},{"text":"And the income protection would be at your at your income rate.","start":1825.36,"end":1830.8351,"sentiment":"neutral","sentiment_score":0.12788286743064722},{"text":"So it's able to pay up to up to 70% of your income if you were to go on claim.","start":1830.8351,"end":1837.795,"sentiment":"neutral","sentiment_score":0.19702051617205144}],"sentiment":"neutral","sentiment_score":0.06297268655670937,"channel":0,"num_words":86,"start":1801.595,"end":1837.795},{"sentences":[{"text":"So the whole point of an income protection policy is you're not able to be earning the same amount or better than what you were if you were working.","start":1837.795,"end":1846.53,"sentiment":"neutral","sentiment_score":-0.3118292198612772},{"text":"The policy is there to basically be a stopgap between becoming ill and injured, ill or injured, I should say, and being able to return to work.","start":1847.15,"end":1857.065,"sentiment":"neutral","sentiment_score":0.08158183635936843},{"text":"Now if you are unable to return to work, that's where a total permanent disability policy put kicks in, and that becomes a lump sum benefit that's payable to your super fund.","start":1857.065,"end":1867.005,"sentiment":"neutral","sentiment_score":0.00729194690939039},{"text":"Now because at the moment you are, I guess, a little bit cash strapped, Cedi has recommended that we pay for these through your super fund.","start":1867.3049,"end":1875.9299,"sentiment":"neutral","sentiment_score":0.21065932817649669},{"text":"Now if in the future or, you know, when in the future, not if, when in the future we, you know, start being able to consolidate down some of those those debts and get everything flowing a little bit better, what we would be able to do is from there, we can pop your income protection policy to be paid personally by you because it becomes a tax deduction.","start":1876.23,"end":1899.9601,"sentiment":"positive","sentiment_score":0.43427007569782977}],"sentiment":"neutral","sentiment_score":0.1575671161888829,"channel":0,"num_words":183,"start":1837.795,"end":1899.9601},{"sentences":[{"text":"Now, obviously, at the moment, you've got both of the properties that are tax deductible.","start":1899.9601,"end":1903.26,"sentiment":"neutral","sentiment_score":0.23971284826596578},{"text":"So it's something that it can be looked at, but it's not something we wanna obviously impact against your cash flow right now.","start":1904.28,"end":1911.42,"sentiment":"neutral","sentiment_score":0.03290325986302417},{"text":"But we do wanna make sure that that policy is in place just on the event that anything happens.","start":1911.7849,"end":1916.2849,"sentiment":"neutral","sentiment_score":0.2139620004515899}],"sentiment":"neutral","sentiment_score":0.14767974928805702,"channel":0,"num_words":57,"start":1899.9601,"end":1916.2849},{"sentences":[{"text":"Okay.","start":1918.0199,"end":1918.5199,"sentiment":"neutral","sentiment_score":-0.061350952833890915}],"sentiment":"neutral","sentiment_score":-0.061350952833890915,"channel":1,"num_words":1,"start":1918.0199,"end":1918.5199},{"sentences":[{"text":"Because the older we get, unfortunately, things start breaking down a little bit.","start":1919.3049,"end":1924.365,"sentiment":"negative","sentiment_score":-0.42364562818637264},{"text":"Trust me.","start":1924.585,"end":1925.4049,"sentiment":"negative","sentiment_score":-0.36442209780216217},{"text":"The start running five years ago, and it gets harder every day.","start":1926.5299,"end":1930.23,"sentiment":"negative","sentiment_score":-0.5077328483263651}],"sentiment":"negative","sentiment_score":-0.4566307978497611,"channel":0,"num_words":27,"start":1919.3049,"end":1930.23},{"sentences":[{"text":"Yep.","start":1931.395,"end":1931.895,"sentiment":"neutral","sentiment_score":-0.05966833233833313}],"sentiment":"neutral","sentiment_score":-0.05966833233833313,"channel":1,"num_words":1,"start":1931.395,"end":1931.895},{"sentences":[{"text":"Now that policy, we're looking at because it's paid by your superannuation fund, it's 15% cheaper than if you paid for it fully personally.","start":1933.4099,"end":1943.185,"sentiment":"neutral","sentiment_score":0.32830761559307575},{"text":"And that's because the super fund basically gives you a rebate.","start":1944.045,"end":1946.865,"sentiment":"positive","sentiment_score":0.3600738211111589},{"text":"So it becomes $1,636.53 for the year, and that gives you 200,000 a life 200, 250,000 a life, 250,000 total claim disability, $9,333 per month of income protection after thirty days.","start":1947.325,"end":1965.46,"sentiment":"positive","sentiment_score":0.3437742936995722},{"text":"So you have to be off work for thirty days before the claim kicks in, and then the policy pays you at the end of the month.","start":1965.46,"end":1972.9951,"sentiment":"neutral","sentiment_score":0.09476361368541364},{"text":"So the first payment would be received basically day 60 of being off work, but the policy pays you for up to five years.","start":1973.775,"end":1980.035,"sentiment":"neutral","sentiment_score":0.13407283866157135}],"sentiment":"neutral","sentiment_score":0.24165438981647167,"channel":0,"num_words":117,"start":1933.4099,"end":1980.035},{"sentences":[{"text":"Now I we did look at, like, a five year versus a two year benefit period, and it was only a couple of $100 difference in the premium.","start":1980.3351,"end":1988.41,"sentiment":"neutral","sentiment_score":0.05237518051373107},{"text":"So being on a five year benefit obviously gives you those extra three years worth of security if you you know, anything were happen.","start":1989.03,"end":1996.4901,"sentiment":"neutral","sentiment_score":0.24478762472669283},{"text":"Now these kinds of policies cover mental health, back injuries, knee injuries, anything and everything that you can think of.","start":1996.855,"end":2004.475,"sentiment":"neutral","sentiment_score":0.10433216132223606},{"text":"You know, cancer diagnosis where, you know, you need to go through treatment and unable to work during that.","start":2004.695,"end":2010.15,"sentiment":"neutral","sentiment_score":0.009388242112962823},{"text":"So it it enables you to not have to force yourself to go back to work just because you are injured and then, obviously, possibly do more damage to you.","start":2010.23,"end":2018.73,"sentiment":"neutral","sentiment_score":0.0032623328268527986}],"sentiment":"neutral","sentiment_score":0.08020080875389832,"channel":0,"num_words":121,"start":1980.3351,"end":2018.73},{"sentences":[{"text":"Yep.","start":2020.2151,"end":2020.7151,"sentiment":"neutral","sentiment_score":0.2176857441663742}],"sentiment":"neutral","sentiment_score":0.2176857441663742,"channel":1,"num_words":1,"start":2020.2151,"end":2020.7151},{"sentences":[{"text":"Cool.","start":2021.51,"end":2022.01,"sentiment":"positive","sentiment_score":0.4418605864048004}],"sentiment":"positive","sentiment_score":0.4418605864048004,"channel":0,"num_words":1,"start":2021.51,"end":2022.01},{"sentences":[{"text":"Right.","start":2021.8151,"end":2022.3151,"sentiment":"positive","sentiment_score":0.3610263466835022},{"text":"Cool.","start":2022.6951,"end":2023.1951,"sentiment":"positive","sentiment_score":0.5284192562103271}],"sentiment":"positive","sentiment_score":0.4447228014469147,"channel":1,"num_words":2,"start":2021.8151,"end":2023.1951},{"sentences":[{"text":"So that would basically replace your q that would it would it would replace your q super policy in whole.","start":2023.525,"end":2028.3451,"sentiment":"positive","sentiment_score":0.366413888335228}],"sentiment":"positive","sentiment_score":0.366413888335228,"channel":0,"num_words":20,"start":2023.525,"end":2028.3451},{"sentences":[{"text":"Right.","start":2030.2151,"end":2030.52,"sentiment":"positive","sentiment_score":0.347465455532074},{"text":"Yeah.","start":2032.92,"end":2033.16,"sentiment":"positive","sentiment_score":0.3842712342739105},{"text":"Yeah.","start":2033.16,"end":2033.56,"sentiment":"positive","sentiment_score":0.4824501872062683},{"text":"I think it's it's a smart thing to do.","start":2033.56,"end":2038.7001,"sentiment":"positive","sentiment_score":0.6959517399470011}],"sentiment":"positive","sentiment_score":0.6231460447112719,"channel":1,"num_words":12,"start":2030.2151,"end":2038.7001},{"sentences":[{"text":"Cool.","start":2042.66,"end":2043.16,"sentiment":"positive","sentiment_score":0.5605714321136475},{"text":"Now with the policy, we do underwritten policies.","start":2045.06,"end":2050.095,"sentiment":"neutral","sentiment_score":0.17719240300357342},{"text":"So your q super policy is generally a group policy, and your policy was where your employer or you at the opening of your fund made a disclosure of, obviously, age, gender, living, demographic, and then occupation.","start":2050.715,"end":2070.6,"sentiment":"neutral","sentiment_score":0.12655750440584645},{"text":"Now most super funds will just take a stab at the general occupation and give you a general standard occupation rating unless you make a disclosure otherwise.","start":2073.62,"end":2083.635,"sentiment":"neutral","sentiment_score":0.09897720041098418},{"text":"Now what this policy or what the CAL policy will do, which is the provider we're looking at underwriting with, is they will ask you questions to do with your occupation, your health, and your family history.","start":2084.575,"end":2096.07,"sentiment":"neutral","sentiment_score":0.09548513510742702}],"sentiment":"neutral","sentiment_score":0.11696429753845389,"channel":0,"num_words":110,"start":2042.66,"end":2096.07},{"sentences":[{"text":"They underwrite the application at time of application rather than underwriting the application at time of claim.","start":2096.37,"end":2103.1902,"sentiment":"neutral","sentiment_score":0.14185167936717763},{"text":"It means that the claims process is a lot smoother, which is obviously what we want when it comes time to claim.","start":2103.975,"end":2109.895,"sentiment":"positive","sentiment_score":0.42267843132669275},{"text":"We don't want the headache of, you know, endless forms and stuff like that.","start":2109.895,"end":2114.5552,"sentiment":"neutral","sentiment_score":-0.14387037019644464},{"text":"A claim is already generally a a pretty extremely stressful moment to begin with, so we don't wanna add the stress to it.","start":2115.0952,"end":2123.53,"sentiment":"neutral","sentiment_score":-0.26414841219134955},{"text":"So that's why we underwrite the policies at time of application.","start":2123.53,"end":2126.9102,"sentiment":"neutral","sentiment_score":0.013687916989014908}],"sentiment":"neutral","sentiment_score":0.04334910876042713,"channel":0,"num_words":87,"start":2096.37,"end":2126.9102},{"sentences":[{"text":"It means that the insurer knows you as an individual, and they know the level of risk they're taking on when they put the policy in place.","start":2127.29,"end":2135.285,"sentiment":"neutral","sentiment_score":0.029435285401565058},{"text":"Means that the policy is tailored to you rather than to a group of people, which is what you currently have under q super.","start":2135.585,"end":2142.885,"sentiment":"neutral","sentiment_score":0.09451041781964402},{"text":"A group policy is basically where they take individuals within a specific demographic age and gender status, and they all get insured for the same amount of money, and they all pay the same premium.","start":2143.185,"end":2155.0999,"sentiment":"neutral","sentiment_score":0.10769114920071193},{"text":"And the insurer basically just says, well, you know, about a percentage of these clients will claim and a percentage of them won't.","start":2155.64,"end":2163.515,"sentiment":"neutral","sentiment_score":0.06871359762938126},{"text":"And based on historical claims processes, that's how the premiums are actually calculated rather than","start":2163.815,"end":2172.875,"sentiment":"neutral","sentiment_score":0.04463587601979573}],"sentiment":"neutral","sentiment_score":0.07324309549444626,"channel":0,"num_words":124,"start":2127.29,"end":2172.875},{"sentences":[{"text":"Yes.","start":2172.575,"end":2173.075,"sentiment":"neutral","sentiment_score":0.04425830394029617}],"sentiment":"neutral","sentiment_score":0.04425830394029617,"channel":1,"num_words":1,"start":2172.575,"end":2173.075},{"sentences":[{"text":"based on you as an individual.","start":2173.53,"end":2174.9102,"sentiment":"neutral","sentiment_score":0.07394314433137576},{"text":"So with the policy that would, as I said, completely replace the the q super policy.","start":2179.21,"end":2184.57,"sentiment":"neutral","sentiment_score":0.06758181075565517},{"text":"You'd have life insurance in place.","start":2184.57,"end":2186.01,"sentiment":"neutral","sentiment_score":0.0683026909828186},{"text":"It would get paid for from the Hub twenty four fund, and your QSuper fund would be closed once the new policy is in place.","start":2186.01,"end":2194.845,"sentiment":"neutral","sentiment_score":0.010078974515199662},{"text":"So we would do a stepped and staged implementation where we would roll the majority of your funds over to Hub twenty four, get the account started, do your insurance application, get the first premium paid for from your Hub twenty four funds so we know it's in place before we close and cancel your other insurance.","start":2194.845,"end":2211.99,"sentiment":"neutral","sentiment_score":0.08588539161964466}],"sentiment":"neutral","sentiment_score":0.06438386971977623,"channel":0,"num_words":110,"start":2173.53,"end":2211.99},{"sentences":[{"text":"Because the second that q super closes, the policy insurance policy closes as well or ceases.","start":2212.13,"end":2217.9949,"sentiment":"neutral","sentiment_score":-0.057980328099802136}],"sentiment":"neutral","sentiment_score":-0.057980328099802136,"channel":0,"num_words":16,"start":2212.13,"end":2217.9949},{"sentences":[{"text":"Yep.","start":2218.765,"end":2219.265,"sentiment":"neutral","sentiment_score":0.14170563220977783}],"sentiment":"neutral","sentiment_score":0.14170563220977783,"channel":1,"num_words":1,"start":2218.765,"end":2219.265},{"sentences":[{"text":"So we don't wanna ever leave you uninsured.","start":2218.775,"end":2220.555,"sentiment":"neutral","sentiment_score":-0.07137629669159651},{"text":"We always wanna make sure that we're protecting you and keeping you safe or, you know, keeping you insured during that transition period.","start":2221.575,"end":2227.275,"sentiment":"neutral","sentiment_score":0.18535637466803842}],"sentiment":"neutral","sentiment_score":0.11910278205910037,"channel":0,"num_words":31,"start":2218.775,"end":2227.275},{"sentences":[{"text":"Yep.","start":2230.045,"end":2230.525,"sentiment":"neutral","sentiment_score":0.11417990922927856},{"text":"Yep.","start":2230.525,"end":2231.025,"sentiment":"neutral","sentiment_score":0.16131660342216492},{"text":"Sounds sensible, and and you need that.","start":2231.47,"end":2234.51,"sentiment":"neutral","sentiment_score":0.32870447635650635},{"text":"You don't wanna be uninsured.","start":2234.51,"end":2238.1301,"sentiment":"neutral","sentiment_score":-0.1318894498050213}],"sentiment":"neutral","sentiment_score":0.1369271855801344,"channel":1,"num_words":14,"start":2230.045,"end":2238.1301},{"sentences":[{"text":"No.","start":2237.9102,"end":2238.4102,"sentiment":"neutral","sentiment_score":-0.14457592368125916}],"sentiment":"neutral","sentiment_score":-0.14457592368125916,"channel":0,"num_words":1,"start":2237.9102,"end":2238.4102},{"sentences":[{"text":"What's with Hub twenty four,","start":2240.03,"end":2242.85,"sentiment":"neutral","sentiment_score":-0.06964497789740562}],"sentiment":"neutral","sentiment_score":-0.06964497789740562,"channel":1,"num_words":5,"start":2240.03,"end":2242.85},{"sentences":[{"text":"Yes.","start":2243.365,"end":2243.865,"sentiment":"neutral","sentiment_score":-0.0018797079101204872}],"sentiment":"neutral","sentiment_score":-0.0018797079101204872,"channel":0,"num_words":1,"start":2243.365,"end":2243.865},{"sentences":[{"text":"are they yeah.","start":2243.71,"end":2245.55,"sentiment":"neutral","sentiment_score":-0.01934039406478405},{"text":"Yeah.","start":2245.55,"end":2246.05,"sentiment":"neutral","sentiment_score":-0.07365301996469498},{"text":"Some recent super funds have taken people's money and just ran off into the distance.","start":2247.525,"end":2256.825,"sentiment":"neutral","sentiment_score":-0.28103470206260683}],"sentiment":"neutral","sentiment_score":-0.22879972279463945,"channel":1,"num_words":19,"start":2243.71,"end":2256.825},{"sentences":[{"text":"Yes.","start":2257.54,"end":2258.04,"sentiment":"neutral","sentiment_score":-0.06811241805553436}],"sentiment":"neutral","sentiment_score":-0.06811241805553436,"channel":0,"num_words":1,"start":2257.54,"end":2258.04},{"sentences":[{"text":"I forgot what names they were, but they've just recently on the news.","start":2258.1648,"end":2261.7048,"sentiment":"neutral","sentiment_score":-0.128919596855457},{"text":"How could I trust Hub twenty four?","start":2262.85,"end":2266.6099,"sentiment":"neutral","sentiment_score":-0.08931714402777809},{"text":"Are you gonna do the same?","start":2266.6099,"end":2268.15,"sentiment":"neutral","sentiment_score":-0.09687888001402219}],"sentiment":"neutral","sentiment_score":-0.11086338643844311,"channel":1,"num_words":26,"start":2258.1648,"end":2268.15},{"sentences":[{"text":"Hub twenty four are one of the largest super funds in Australia with trillions under investment.","start":2269.155,"end":2275.815,"sentiment":"neutral","sentiment_score":-0.009059647680260241},{"text":"Not billions, trillions.","start":2275.955,"end":2277.415,"sentiment":"neutral","sentiment_score":-0.10666609058777492}],"sentiment":"neutral","sentiment_score":-0.024471191297236242,"channel":0,"num_words":19,"start":2269.155,"end":2277.415},{"sentences":[{"text":"Yes.","start":2278.155,"end":2278.655,"sentiment":"neutral","sentiment_score":0.0011684335768222809}],"sentiment":"neutral","sentiment_score":0.0011684335768222809,"channel":1,"num_words":1,"start":2278.155,"end":2278.655},{"sentences":[{"text":"So, no, very, very, very, very much not gonna happen.","start":2278.675,"end":2283.13,"sentiment":"negative","sentiment_score":-0.43174845576286314},{"text":"They don't get me wrong.","start":2284.23,"end":2285.3499,"sentiment":"neutral","sentiment_score":-0.24098739624023438},{"text":"They are new in comparison to, like, your q super.","start":2285.3499,"end":2288.25,"sentiment":"neutral","sentiment_score":-0.18024085313081742},{"text":"Q super has obviously been around forever, but Hub twenty four has been around for a good couple of decades now, and they are one of the one of the leading super funds.","start":2288.63,"end":2302.555,"sentiment":"neutral","sentiment_score":0.06571453679917437},{"text":"They are a retail fund.","start":2302.555,"end":2304.015,"sentiment":"neutral","sentiment_score":0.0437638483941555}],"sentiment":"neutral","sentiment_score":-0.07837192244118169,"channel":0,"num_words":63,"start":2278.675,"end":2304.015},{"sentences":[{"text":"Super funds can't run and take your money.","start":2305.74,"end":2308.8801,"sentiment":"negative","sentiment_score":-0.34516019001603127},{"text":"So I'm not a 100% sure what news article you obviously like, you you heard.","start":2309.42,"end":2314.7,"sentiment":"neutral","sentiment_score":-0.24266183972358704},{"text":"I'm not trying to undermine it.","start":2314.7,"end":2316.4,"sentiment":"neutral","sentiment_score":-0.17052214095989862},{"text":"But Superfunds have have charged deceased estates.","start":2317.02,"end":2322.945,"sentiment":"negative","sentiment_score":-0.46418591695172445},{"text":"They charge people that are dead.","start":2323.245,"end":2324.925,"sentiment":"negative","sentiment_score":-0.51247538626194}],"sentiment":"neutral","sentiment_score":-0.3273451356660752,"channel":0,"num_words":42,"start":2305.74,"end":2324.925},{"sentences":[{"text":"It's happened.","start":2324.925,"end":2325.745,"sentiment":"negative","sentiment_score":-0.43186721205711365},{"text":"And ASIC have gone after them and made them repay it all.","start":2326.605,"end":2331.8252,"sentiment":"negative","sentiment_score":-0.6139691745241483},{"text":"There have been, you know, funds that have overcharged clients, and, again, ASIC have investigated and made them pay it back.","start":2332.205,"end":2339.55,"sentiment":"negative","sentiment_score":-0.548336652063188},{"text":"There have been things that have happened.","start":2339.6902,"end":2341.3901,"sentiment":"negative","sentiment_score":-0.3775476600442614},{"text":"There are, like, self managed super funds, SMSFs, that have, unfortunately, a little bit less guidance.","start":2343.1301,"end":2353.675,"sentiment":"negative","sentiment_score":-0.43490639701485634}],"sentiment":"negative","sentiment_score":-0.5059960376599739,"channel":0,"num_words":58,"start":2324.925,"end":2353.675},{"sentences":[{"text":"They are supposed to still act with integrity and under the legislation, but there's a little bit less, I guess, strict ruling over them.","start":2354.215,"end":2364.34,"sentiment":"negative","sentiment_score":-0.4461759428183238},{"text":"Do them wrong.","start":2365.9202,"end":2366.6602,"sentiment":"negative","sentiment_score":-0.5391927361488342},{"text":"I think do eventually catch up to any of the SMSF funds that aren't acting in line with the legislation, but it's probably not done as well as it should be.","start":2366.96,"end":2377.155,"sentiment":"negative","sentiment_score":-0.4811436053245298},{"text":"They do have to they do have they do get audited every year, but it does take time for, you know, Aetna to go through all the audits and eventually catch up and deal with them.","start":2378.655,"end":2388.195,"sentiment":"negative","sentiment_score":-0.338072597152657},{"text":"I'd have","start":2389.21,"end":2389.69,"sentiment":"neutral","sentiment_score":-0.04114683158695698}],"sentiment":"negative","sentiment_score":-0.4113974975189194,"channel":0,"num_words":96,"start":2354.215,"end":2389.69},{"sentences":[{"text":"Yeah.","start":2389.565,"end":2390.065,"sentiment":"neutral","sentiment_score":-0.05249074473977089}],"sentiment":"neutral","sentiment_score":-0.05249074473977089,"channel":1,"num_words":1,"start":2389.565,"end":2390.065},{"sentences":[{"text":"to look into whatever it was, news article.","start":2389.69,"end":2392.4302,"sentiment":"neutral","sentiment_score":-0.05308790924027562}],"sentiment":"neutral","sentiment_score":-0.05308790924027562,"channel":0,"num_words":8,"start":2389.69,"end":2392.4302},{"sentences":[{"text":"First Guardian and","start":2393.085,"end":2395.025,"sentiment":"neutral","sentiment_score":-0.02296725536386172}],"sentiment":"neutral","sentiment_score":-0.02296725536386172,"channel":1,"num_words":3,"start":2393.085,"end":2395.025},{"sentences":[{"text":"Oh, okay.","start":2395.21,"end":2396.19,"sentiment":"neutral","sentiment_score":-0.02182913478463888},{"text":"Yep.","start":2396.4102,"end":2396.9102,"sentiment":"neutral","sentiment_score":-0.015367187559604645},{"text":"I was wondering if you were talking about possibly First Guardian and","start":2397.85,"end":2401.31,"sentiment":"neutral","sentiment_score":-0.031953555066138506}],"sentiment":"neutral","sentiment_score":-0.029497874528169633,"channel":0,"num_words":15,"start":2395.21,"end":2401.31},{"sentences":[{"text":"Is it something she","start":2403.6401,"end":2404.84,"sentiment":"neutral","sentiment_score":-0.03536668512970209}],"sentiment":"neutral","sentiment_score":-0.03536668512970209,"channel":1,"num_words":4,"start":2403.6401,"end":2404.84},{"sentences":[{"text":"whoever","start":2404.805,"end":2405.125,"sentiment":"neutral","sentiment_score":-0.055970996618270874}],"sentiment":"neutral","sentiment_score":-0.055970996618270874,"channel":0,"num_words":1,"start":2404.805,"end":2405.125},{"sentences":[{"text":"or something?","start":2404.84,"end":2405.58,"sentiment":"neutral","sentiment_score":-0.04415035992860794}],"sentiment":"neutral","sentiment_score":-0.04415035992860794,"channel":1,"num_words":2,"start":2404.84,"end":2405.58},{"sentences":[{"text":"the other one is.","start":2405.125,"end":2406.085,"sentiment":"neutral","sentiment_score":-0.038732264656573534},{"text":"Yes.","start":2406.085,"end":2406.585,"sentiment":"neutral","sentiment_score":-0.008951336145401001},{"text":"Shield.","start":2406.6448,"end":2407.1448,"sentiment":"neutral","sentiment_score":-0.04688989371061325},{"text":"They were not super funds.","start":2407.6848,"end":2409.125,"sentiment":"neutral","sentiment_score":-0.2316465675830841},{"text":"They were assets, so they were an investment, not a fund.","start":2409.125,"end":2413.385,"sentiment":"neutral","sentiment_score":-0.19144225933335043}],"sentiment":"neutral","sentiment_score":-0.15794854450293563,"channel":0,"num_words":22,"start":2405.125,"end":2413.385},{"sentences":[{"text":"Hub twenty four did not put them on platform.","start":2414.085,"end":2416.4849,"sentiment":"neutral","sentiment_score":-0.27123284836610156},{"text":"They were not offered under Hub twenty four.","start":2416.4849,"end":2418.63,"sentiment":"neutral","sentiment_score":-0.269417779520154},{"text":"Hub twenty four investigated both of those assets when they became available on market.","start":2419.5098,"end":2423.93,"sentiment":"neutral","sentiment_score":-0.3320829229695456},{"text":"It's their obligation to do so.","start":2423.99,"end":2425.69,"sentiment":"negative","sentiment_score":-0.42834116021792096},{"text":"It's that it's what it's what they do as a platform, and both of them were too high risk for them to engage on platform.","start":2426.15,"end":2434.825,"sentiment":"negative","sentiment_score":-0.5162985515594483}],"sentiment":"negative","sentiment_score":-0.3987598313439277,"channel":0,"num_words":62,"start":2414.085,"end":2434.825},{"sentences":[{"text":"Macquarie, Netwealth, there are a couple other quite large.","start":2436.245,"end":2440.325,"sentiment":"neutral","sentiment_score":-0.17075250297784805},{"text":"Macquarie's a bank orientated and connected provider.","start":2440.325,"end":2446.12,"sentiment":"neutral","sentiment_score":-0.11136254455362048},{"text":"They've been around for quite a long time, and they have both had both both of those two funds have both had to engage in remediation to pay and remediate back the funds lost by clients because they let the asset be available on platform.","start":2447.1401,"end":2469.375,"sentiment":"neutral","sentiment_score":-0.13863694700929854},{"text":"Shield and First Guardian have both been in the news for a couple of years now.","start":2470.635,"end":2474.7349,"sentiment":"neutral","sentiment_score":-0.11189249996095896},{"text":"Massive, massive screw ups by the super funds.","start":2476.19,"end":2478.69,"sentiment":"negative","sentiment_score":-0.48787934333086014}],"sentiment":"neutral","sentiment_score":-0.16762691411901923,"channel":0,"num_words":85,"start":2436.245,"end":2478.69},{"sentences":[{"text":"But also the the actual asset managers, it was a Ponzi scheme.","start":2479.15,"end":2485.5698,"sentiment":"neutral","sentiment_score":-0.2586286986867587},{"text":"I mean,","start":2486.5898,"end":2487.15,"sentiment":"neutral","sentiment_score":-0.12013760954141617}],"sentiment":"neutral","sentiment_score":-0.23884425738028117,"channel":0,"num_words":14,"start":2479.15,"end":2487.15},{"sentences":[{"text":"Yes.","start":2486.98,"end":2487.48,"sentiment":"neutral","sentiment_score":-0.10672976821660995}],"sentiment":"neutral","sentiment_score":-0.10672976821660995,"channel":1,"num_words":1,"start":2486.98,"end":2487.48},{"sentences":[{"text":"the short and long of it, it was a Ponzi scheme, unfortunately.","start":2487.15,"end":2489.97,"sentiment":"neutral","sentiment_score":-0.19464005467792353},{"text":"OQ Financial have never recommended either of those two assets.","start":2491.535,"end":2494.6748,"sentiment":"neutral","sentiment_score":-0.20467181354761124},{"text":"The assets that we've recommended and the assets that we do recommend are available on the ASX.","start":2494.815,"end":2500.595,"sentiment":"neutral","sentiment_score":-0.004630917649003951},{"text":"They are tried and true.","start":2500.815,"end":2502.755,"sentiment":"neutral","sentiment_score":0.026263983547687532},{"text":"Not gonna say they're blue chip, but they're tried and true assets.","start":2503.31,"end":2506.6099,"sentiment":"neutral","sentiment_score":0.012529300603394708}],"sentiment":"neutral","sentiment_score":-0.0746330869047337,"channel":0,"num_words":56,"start":2487.15,"end":2506.6099},{"sentences":[{"text":"We don't take risky investments with our clients' money.","start":2507.8699,"end":2512.93,"sentiment":"neutral","sentiment_score":-0.23440319961971706},{"text":"You know, we're not we don't invest in Bitcoin.","start":2513.8699,"end":2517.065,"sentiment":"neutral","sentiment_score":-0.1252521491712994},{"text":"While I do have a couple of clients that do personally invest in Bitcoin,","start":2517.065,"end":2520.125,"sentiment":"neutral","sentiment_score":-0.00043401887108172665}],"sentiment":"neutral","sentiment_score":-0.10134295010357164,"channel":0,"num_words":32,"start":2507.8699,"end":2520.125},{"sentences":[{"text":"Mhmm.","start":2519.655,"end":2520.155,"sentiment":"neutral","sentiment_score":-0.011756706982851028}],"sentiment":"neutral","sentiment_score":-0.011756706982851028,"channel":1,"num_words":1,"start":2519.655,"end":2520.155},{"sentences":[{"text":"I do have clients who I invest in Bitcoin mining companies for.","start":2520.345,"end":2525.805,"sentiment":"neutral","sentiment_score":-0.0006323601119220257}],"sentiment":"neutral","sentiment_score":-0.0006323601119220257,"channel":0,"num_words":12,"start":2520.345,"end":2525.805},{"sentences":[{"text":"Yes.","start":2527.1775,"end":2527.6775,"sentiment":"neutral","sentiment_score":-0.06144564598798752}],"sentiment":"neutral","sentiment_score":-0.06144564598798752,"channel":1,"num_words":1,"start":2527.1775,"end":2527.6775},{"sentences":[{"text":"I don't.","start":2527.4648,"end":2528.2048,"sentiment":"neutral","sentiment_score":-0.1681637167930603},{"text":"We don't invest in Bitcoin itself.","start":2528.57,"end":2531.87,"sentiment":"neutral","sentiment_score":-0.2736213232080142},{"text":"It's too much of a risky stock, and that's not we're not day trading.","start":2533.05,"end":2536.91,"sentiment":"negative","sentiment_score":-0.36169048718043734},{"text":"We're looking to hold long term stock.","start":2538.01,"end":2540.91,"sentiment":"neutral","sentiment_score":-0.23157919943332672},{"text":"And whilst granted, there will be tweaks that we do make to the assets that we're recommending, I e changing some of the weightings, maybe swapping one of the stocks out every now and then.","start":2542.0251,"end":2552.8252,"sentiment":"neutral","sentiment_score":-0.09821549696581704}],"sentiment":"neutral","sentiment_score":-0.18906748411245644,"channel":0,"num_words":64,"start":2527.4648,"end":2552.8252},{"sentences":[{"text":"You know, markets change.","start":2552.8252,"end":2554.445,"sentiment":"neutral","sentiment_score":-0.10316012427210808},{"text":"Maybe, you know, India stops performing, and we wanna move a little bit over, you know, to Japan, whatever the case may be.","start":2554.5051,"end":2560.15,"sentiment":"neutral","sentiment_score":-0.11243364862773729},{"text":"So we might move some of the waiting around.","start":2560.15,"end":2562.31,"sentiment":"neutral","sentiment_score":-0.10771558350986904},{"text":"We're","start":2562.31,"end":2562.63,"sentiment":"neutral","sentiment_score":-0.04535345360636711}],"sentiment":"neutral","sentiment_score":-0.10847048974923186,"channel":0,"num_words":37,"start":2552.8252,"end":2562.63},{"sentences":[{"text":"Yeah.","start":2562.5498,"end":2563.0498,"sentiment":"neutral","sentiment_score":-0.11206652224063872}],"sentiment":"neutral","sentiment_score":-0.11206652224063872,"channel":1,"num_words":1,"start":2562.5498,"end":2563.0498},{"sentences":[{"text":"not looking to make massive swings left and right.","start":2562.63,"end":2566.39,"sentiment":"neutral","sentiment_score":-0.29774625764952767},{"text":"We're not looking to basically do a full portfolio sell every three months.","start":2566.39,"end":2570.675,"sentiment":"negative","sentiment_score":-0.34204641443032485},{"text":"That makes no sense for a long term stock or investment.","start":2570.975,"end":2576.835,"sentiment":"negative","sentiment_score":-0.4155075414614244}],"sentiment":"negative","sentiment_score":-0.35445159583380725,"channel":0,"num_words":33,"start":2562.63,"end":2576.835},{"sentences":[{"text":"I agree.","start":2577.1099,"end":2577.7698,"sentiment":"neutral","sentiment_score":-0.06163771450519562}],"sentiment":"neutral","sentiment_score":-0.06163771450519562,"channel":1,"num_words":2,"start":2577.1099,"end":2577.7698},{"sentences":[{"text":"So yeah.","start":2582.3499,"end":2583.17,"sentiment":"neutral","sentiment_score":0.0019385479390621185},{"text":"No.","start":2583.39,"end":2583.63,"sentiment":"neutral","sentiment_score":-0.005487065762281418},{"text":"Shield and First Guardian.","start":2583.63,"end":2584.75,"sentiment":"neutral","sentiment_score":0.11936328560113907},{"text":"I'm more than happy.","start":2584.75,"end":2585.47,"sentiment":"positive","sentiment_score":0.4903689920902252},{"text":"I can send you some information on them.","start":2585.47,"end":2587.17,"sentiment":"neutral","sentiment_score":0.20154483057558537}],"sentiment":"neutral","sentiment_score":0.21314093607820964,"channel":0,"num_words":19,"start":2582.3499,"end":2587.17},{"sentences":[{"text":"I I","start":2588.19,"end":2588.83,"sentiment":"neutral","sentiment_score":-0.028304471634328365}],"sentiment":"neutral","sentiment_score":-0.028304471634328365,"channel":0,"num_words":2,"start":2588.19,"end":2588.83},{"sentences":[{"text":"No.","start":2588.655,"end":2588.9749,"sentiment":"neutral","sentiment_score":-0.06231170892715454}],"sentiment":"neutral","sentiment_score":-0.06231170892715454,"channel":1,"num_words":1,"start":2588.655,"end":2588.9749},{"sentences":[{"text":"did","start":2588.83,"end":2589.15,"sentiment":"neutral","sentiment_score":-0.05335487797856331}],"sentiment":"neutral","sentiment_score":-0.05335487797856331,"channel":0,"num_words":1,"start":2588.83,"end":2589.15},{"sentences":[{"text":"No.","start":2588.9749,"end":2589.295,"sentiment":"neutral","sentiment_score":-0.09205350279808044}],"sentiment":"neutral","sentiment_score":-0.09205350279808044,"channel":1,"num_words":1,"start":2588.9749,"end":2589.295},{"sentences":[{"text":"have a","start":2589.15,"end":2589.39,"sentiment":"neutral","sentiment_score":-0.10481134057044983}],"sentiment":"neutral","sentiment_score":-0.10481134057044983,"channel":0,"num_words":2,"start":2589.15,"end":2589.39},{"sentences":[{"text":"I","start":2589.295,"end":2589.545,"sentiment":"neutral","sentiment_score":-0.07849176973104477}],"sentiment":"neutral","sentiment_score":-0.07849176973104477,"channel":1,"num_words":1,"start":2589.295,"end":2589.545},{"sentences":[{"text":"client.","start":2589.39,"end":2589.89,"sentiment":"neutral","sentiment_score":-0.1030307412147522}],"sentiment":"neutral","sentiment_score":-0.1030307412147522,"channel":0,"num_words":1,"start":2589.39,"end":2589.89},{"sentences":[{"text":"just was yeah.","start":2589.545,"end":2591.09,"sentiment":"neutral","sentiment_score":-0.07537450144688289},{"text":"Just wondering.","start":2591.1501,"end":2591.9702,"sentiment":"neutral","sentiment_score":-0.08563197031617165},{"text":"Just making sure that I'm not yeah.","start":2592.03,"end":2596.59,"sentiment":"neutral","sentiment_score":-0.10937670086111341},{"text":"I just had to travel get my","start":2596.59,"end":2599.9702,"sentiment":"neutral","sentiment_score":-0.008429404880319322}],"sentiment":"neutral","sentiment_score":-0.0643173781664748,"channel":1,"num_words":19,"start":2589.545,"end":2599.9702},{"sentences":[{"text":"The questions here?","start":2599.5652,"end":2600.5452,"sentiment":"neutral","sentiment_score":-0.007350883757074674},{"text":"Yeah.","start":2600.685,"end":2601.185,"sentiment":"neutral","sentiment_score":0.00015958305448293686}],"sentiment":"neutral","sentiment_score":-0.005473267054185271,"channel":0,"num_words":4,"start":2599.5652,"end":2601.185},{"sentences":[{"text":"yeah.","start":2600.9102,"end":2601.2302,"sentiment":"neutral","sentiment_score":-0.003150448203086853},{"text":"Have to ask the question.","start":2601.2302,"end":2602.4502,"sentiment":"neutral","sentiment_score":-0.003999694436788559}],"sentiment":"neutral","sentiment_score":-0.0038581533978382745,"channel":1,"num_words":6,"start":2600.9102,"end":2602.4502},{"sentences":[{"text":"Absolutely.","start":2603.245,"end":2603.745,"sentiment":"neutral","sentiment_score":0.039926618337631226},{"text":"No.","start":2603.965,"end":2604.2852,"sentiment":"neutral","sentiment_score":-0.06147032976150513},{"text":"I did have a client that came to me.","start":2604.2852,"end":2606.385,"sentiment":"neutral","sentiment_score":-0.006433559995558526},{"text":"He had Shield assets, so I've been working with him for the last couple of years while Shield was in in liquidation.","start":2607.0398,"end":2614.8198,"sentiment":"neutral","sentiment_score":-0.0018952963027087126},{"text":"He actually had First Guardian and Shield while both of them were in liquidation.","start":2614.96,"end":2618.74,"sentiment":"neutral","sentiment_score":0.012160068045237235}],"sentiment":"neutral","sentiment_score":0.0010446528210601908,"channel":0,"num_words":47,"start":2603.245,"end":2618.74},{"sentences":[{"text":"So I've been very, very much on top of how they've been going.","start":2618.88,"end":2622.865,"sentiment":"neutral","sentiment_score":0.11789497876396546},{"text":"And, look, he didn't make the outlandish money that it was portrayed as having made, but he did not lose anything.","start":2623.805,"end":2630.845,"sentiment":"neutral","sentiment_score":0.03752853377677855},{"text":"He actually got his cost basis back, which was good.","start":2630.845,"end":2633.07,"sentiment":"positive","sentiment_score":0.4893870741128922},{"text":"So cost basis being what he put into the asset, he got back 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again.","start":2693.675,"end":2695.4548,"sentiment":"neutral","sentiment_score":-0.14855293929576874}],"sentiment":"neutral","sentiment_score":-0.14855293929576874,"channel":1,"num_words":5,"start":2693.675,"end":2695.4548},{"sentences":[{"text":"Yeah.","start":2696.0398,"end":2696.5398,"sentiment":"neutral","sentiment_score":-0.06152211129665375},{"text":"Look.","start":2696.8398,"end":2697.16,"sentiment":"neutral","sentiment_score":-0.08544997125864029},{"text":"There there are some some people that have been over the whole Shield First Guardian that have been lifelong banned, but others have been, yeah, like, anywhere between two and ten years banned.","start":2697.16,"end":2710.265,"sentiment":"neutral","sentiment_score":-0.17048180848360062}],"sentiment":"neutral","sentiment_score":-0.16493919321468897,"channel":0,"num_words":35,"start":2696.0398,"end":2710.265},{"sentences":[{"text":"Yeah.","start":2710.2,"end":2710.52,"sentiment":"neutral","sentiment_score":-0.13782617449760437},{"text":"It makes me wonder if they're now living it up in the Cayman Islands or whatever offshore tax havens.","start":2710.52,"end":2717.18,"sentiment":"neutral","sentiment_score":-0.2788773312380439},{"text":"They've divested their these poor people's funds too.","start":2718.555,"end":2722.875,"sentiment":"negative","sentiment_score":-0.36792721785604954},{"text":"But","start":2722.875,"end":2723.375,"sentiment":"neutral","sentiment_score":-0.2183347046375275}],"sentiment":"neutral","sentiment_score":-0.2964913074312539,"channel":1,"num_words":29,"start":2710.2,"end":2723.375},{"sentences":[{"text":"I can tell you now that the ones that ran the ran the Ponzi scheme is definitely not.","start":2723.78,"end":2728.5,"sentiment":"negative","sentiment_score":-0.4299925814072291},{"text":"They were caught, and they're currently being prosecuted.","start":2728.5,"end":2731.4001,"sentiment":"negative","sentiment_score":-0.36400891095399857},{"text":"But","start":2732.7148,"end":2733.2148,"sentiment":"neutral","sentiment_score":-0.18096855282783508}],"sentiment":"negative","sentiment_score":-0.40121875206629437,"channel":0,"num_words":27,"start":2723.78,"end":2733.2148},{"sentences":[{"text":"yeah.","start":2732.715,"end":2733.215,"sentiment":"neutral","sentiment_score":-0.18419183790683744}],"sentiment":"neutral","sentiment_score":-0.18419183790683744,"channel":1,"num_words":1,"start":2732.715,"end":2733.215},{"sentences":[{"text":"there are always someone somewhere that has benefited and had their name not on anything, and I'm sure there was someone that got away with 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on the back, and said, good job.","start":2762.235,"end":2772.235,"sentiment":"neutral","sentiment_score":-0.0627221779569107},{"text":"We basically had the same outcome when we investigated the assets that they were too high of risk.","start":2772.235,"end":2778.1501,"sentiment":"negative","sentiment_score":-0.3643253462182151},{"text":"Basically, like, a lot of the assets were in not real.","start":2778.4502,"end":2782.07,"sentiment":"negative","sentiment_score":-0.45587473294951697}],"sentiment":"neutral","sentiment_score":-0.17782250224716134,"channel":0,"num_words":90,"start":2753.84,"end":2782.07},{"sentences":[{"text":"Like, the stock options that were listed were not actually real stock.","start":2782.29,"end":2786.37,"sentiment":"negative","sentiment_score":-0.40988315890232724},{"text":"They were buildings that were going to be built but got shut down multiple times for nothing up to code, couldn't be established, couldn't be built.","start":2786.37,"end":2794.665,"sentiment":"negative","sentiment_score":-0.4718183565598268},{"text":"It was an absolute shimmuzzle.","start":2794.665,"end":2796.365,"sentiment":"negative","sentiment_score":-0.7453519940376282},{"text":"There was no tangible assets that that the investors were actually investing in under those.","start":2796.665,"end":2801.085,"sentiment":"negative","sentiment_score":-0.5252934118111928}],"sentiment":"negative","sentiment_score":-0.4964144193920596,"channel":0,"num_words":58,"start":2782.29,"end":2801.085},{"sentences":[{"text":"Yep.","start":2802.51,"end":2803.01,"sentiment":"neutral","sentiment_score":0.02735002338886261},{"text":"Alright.","start":2804.9102,"end":2805.4102,"sentiment":"neutral","sentiment_score":0.12868402898311615}],"sentiment":"neutral","sentiment_score":0.07801702618598938,"channel":1,"num_words":2,"start":2802.51,"end":2805.4102},{"sentences":[{"text":"I'm more than happy to send you portfolio reports for every single 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yeah.","start":2833.35,"end":2835.03,"sentiment":"neutral","sentiment_score":0.04812397435307503},{"text":"All of it.","start":2835.03,"end":2836.01,"sentiment":"neutral","sentiment_score":0.014259596665700277}],"sentiment":"neutral","sentiment_score":0.03554642014205456,"channel":0,"num_words":8,"start":2831.9102,"end":2836.01},{"sentences":[{"text":"Yeah.","start":2835.725,"end":2836.0452,"sentiment":"neutral","sentiment_score":0.008164102211594582},{"text":"There's no there's no saying that QSuper could do the same.","start":2836.0452,"end":2840.865,"sentiment":"neutral","sentiment_score":-0.1104358048601584},{"text":"So 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you know, per quarter,","start":2875.975,"end":2878.455,"sentiment":"neutral","sentiment_score":0.03456096723675728}],"sentiment":"neutral","sentiment_score":0.03456096723675728,"channel":0,"num_words":5,"start":2875.975,"end":2878.455},{"sentences":[{"text":"Yeah.","start":2878.45,"end":2878.95,"sentiment":"neutral","sentiment_score":0.046416908502578735}],"sentiment":"neutral","sentiment_score":0.046416908502578735,"channel":1,"num_words":1,"start":2878.45,"end":2878.95},{"sentences":[{"text":"you could jump in and have a look, and some of those are gonna change.","start":2878.455,"end":2880.935,"sentiment":"neutral","sentiment_score":0.037851007531086604},{"text":"The weighting's gonna change that on you know?","start":2880.935,"end":2884.19,"sentiment":"neutral","sentiment_score":0.016675411025062203},{"text":"Today, you might hold point 3% of West farmers, and then tomorrow, it might be point five type of 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you.","start":2941.58,"end":2944.56,"sentiment":"neutral","sentiment_score":0.32719810192401594}],"sentiment":"neutral","sentiment_score":0.3130802352513586,"channel":0,"num_words":14,"start":2941.02,"end":2944.56},{"sentences":[{"text":"Yep.","start":2944.865,"end":2945.3452,"sentiment":"neutral","sentiment_score":0.05019735544919968},{"text":"Alright.","start":2945.3452,"end":2945.8452,"sentiment":"neutral","sentiment_score":0.059503089636564255},{"text":"What","start":2948.7852,"end":2949.2852,"sentiment":"neutral","sentiment_score":0.022457892075181007}],"sentiment":"neutral","sentiment_score":0.044052779053648315,"channel":1,"num_words":3,"start":2944.865,"end":2949.2852},{"sentences":[{"text":"So","start":2949.355,"end":2949.855,"sentiment":"neutral","sentiment_score":0.01608453504741192}],"sentiment":"neutral","sentiment_score":0.01608453504741192,"channel":0,"num_words":1,"start":2949.355,"end":2949.855},{"sentences":[{"text":"else can we talk about?","start":2949.665,"end":2951.2852,"sentiment":"neutral","sentiment_score":0.023686352372169494}],"sentiment":"neutral","sentiment_score":0.023686352372169494,"channel":1,"num_words":5,"start":2949.665,"end":2951.2852},{"sentences":[{"text":"I have nothing else really to to cover on this.","start":2952.395,"end":2955.695,"sentiment":"neutral","sentiment_score":-0.05452577956020832},{"text":"I guess I want you to be able to take like, take it and read it.","start":2956.2349,"end":2959.47,"sentiment":"neutral","sentiment_score":0.07658382202498615},{"text":"There is a recommendation to be able to like, the first recommendation off the rank was the sale of the PPR, primary residence, because that got you the outcome of being able to consolidate and close out the 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yeah.","start":2980.7852,"end":2990.6,"sentiment":"neutral","sentiment_score":-0.13222760824780716},{"text":"I need to it's probably more of an emotional decision than a strategic smart decision.","start":2990.9001,"end":3000.055,"sentiment":"neutral","sentiment_score":-0.24923149694999058},{"text":"But also part of it is I'm paying all this land tax every year because I've got two Queensland properties.","start":3000.9949,"end":3008.855,"sentiment":"neutral","sentiment_score":-0.06499469038099051}],"sentiment":"neutral","sentiment_score":-0.13739938779988073,"channel":1,"num_words":55,"start":2980.385,"end":3008.855},{"sentences":[{"text":"Yep.","start":3009.965,"end":3010.465,"sentiment":"neutral","sentiment_score":-0.04784999042749405}],"sentiment":"neutral","sentiment_score":-0.04784999042749405,"channel":0,"num_words":1,"start":3009.965,"end":3010.465},{"sentences":[{"text":"And the state government's got their hands on or into 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up.","start":3030.925,"end":3036.225,"sentiment":"negative","sentiment_score":-0.4863934002139352}],"sentiment":"negative","sentiment_score":-0.4716917077700297,"channel":1,"num_words":12,"start":3029.725,"end":3036.225},{"sentences":[{"text":"Yeah.","start":3036.73,"end":3037.23,"sentiment":"neutral","sentiment_score":-0.003011796623468399}],"sentiment":"neutral","sentiment_score":-0.003011796623468399,"channel":0,"num_words":1,"start":3036.73,"end":3037.23},{"sentences":[{"text":"And that's pure cash that I can claim.","start":3037.5652,"end":3042.51,"sentiment":"neutral","sentiment_score":0.16386209428310394},{"text":"Funnily enough, I can claim tax on.","start":3042.51,"end":3044.77,"sentiment":"neutral","sentiment_score":0.08567926660180092},{"text":"So I don't know what the hell that's about.","start":3045.63,"end":3048.2898,"sentiment":"neutral","sentiment_score":-0.19581354243887794},{"text":"But, yeah, it's I'm just gonna 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this way.","start":3083.6301,"end":3084.75,"sentiment":"neutral","sentiment_score":0.18828607350587845},{"text":"There's we I can model out each of the two properties because I know based on those addresses, they're pretty close to each other.","start":3084.75,"end":3092.37,"sentiment":"neutral","sentiment_score":0.3159291421373685},{"text":"So I'm more than happy to model out which ones to sell, which one to keep based on, like, the values and the growth potential of each of the properties as well.","start":3093.6301,"end":3107.165,"sentiment":"positive","sentiment_score":0.5081982174888253},{"text":"Because I can I can just look them up online with regards to sales in the area?","start":3108.425,"end":3112.03,"sentiment":"neutral","sentiment_score":0.22797805421492634}],"sentiment":"positive","sentiment_score":0.3606719457440906,"channel":0,"num_words":81,"start":3081.2551,"end":3112.03},{"sentences":[{"text":"I can have a look at where they fit.","start":3112.03,"end":3115.33,"sentiment":"neutral","sentiment_score":0.28258545365598464},{"text":"Herring Todd White provides really good statistics with regards to growth potential in each area, whether it's hit the bottom of the market, the top of the market, or whether it's on a growth spiral.","start":3115.95,"end":3126.185,"sentiment":"neutral","sentiment_score":0.2884429318564279},{"text":"So whether it tells us, you know, we can probably sell now or whether we still haven't hit that peak for the area like, the sales area to sell in the area.","start":3126.185,"end":3136.1052,"sentiment":"neutral","sentiment_score":0.17859385581687093},{"text":"You know what I mean.","start":3136.165,"end":3137.3052,"sentiment":"neutral","sentiment_score":0.09399641156196595},{"text":"And we can go from 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yet.","start":3227.5251,"end":3228.985,"sentiment":"neutral","sentiment_score":-0.09065552800893784},{"text":"We need to drop some of the debt down and and just get things moving a little bit better.","start":3229.5251,"end":3234.585,"sentiment":"neutral","sentiment_score":0.15158116974328695}],"sentiment":"neutral","sentiment_score":0.2102685407218006,"channel":0,"num_words":36,"start":3221.6501,"end":3234.585},{"sentences":[{"text":"Yep.","start":3234.805,"end":3235.305,"sentiment":"neutral","sentiment_score":0.14562764763832092}],"sentiment":"neutral","sentiment_score":0.14562764763832092,"channel":1,"num_words":1,"start":3234.805,"end":3235.305},{"sentences":[{"text":"The other thing we can do, just to throw a spanner in the works, is you could refi on the properties.","start":3234.8052,"end":3243.74,"sentiment":"neutral","sentiment_score":0.17283613234758377},{"text":"So I can connect you with my broker, and we can refinance the properties and shift the million dollars off your primary residence and shift it over into the investment properties.","start":3244.52,"end":3255.82,"sentiment":"neutral","sentiment_score":0.1462935891843611}],"sentiment":"neutral","sentiment_score":0.1570126931541241,"channel":0,"num_words":52,"start":3234.8052,"end":3255.82},{"sentences":[{"text":"Oh, yeah?","start":3257.845,"end":3258.5051,"sentiment":"neutral","sentiment_score":0.01903393119573593}],"sentiment":"neutral","sentiment_score":0.01903393119573593,"channel":1,"num_words":2,"start":3257.845,"end":3258.5051},{"sentences":[{"text":"Because that as a whole will mean that you're not paying interest.","start":3260.275,"end":3264.055,"sentiment":"neutral","sentiment_score":-0.04984540740648905},{"text":"I have a I have I have a PPR myself, and I have a debt on it.","start":3265.075,"end":3268.595,"sentiment":"neutral","sentiment_score":-0.0559129861786085},{"text":"So when I say this, I I say this understanding I have the same position, but a home loan is actually bad debt because it's nontax deductible.","start":3268.595,"end":3277.91,"sentiment":"neutral","sentiment_score":-0.025473784569098993},{"text":"So from a accountant's point of view, a home loan is a bad debt.","start":3278.77,"end":3282.435,"sentiment":"neutral","sentiment_score":0.016625798706497465},{"text":"An investment property, great debt.","start":3282.5151,"end":3284.435,"sentiment":"neutral","sentiment_score":0.3001346081495285}],"sentiment":"neutral","sentiment_score":-0.0067069815285503865,"channel":0,"num_words":75,"start":3260.275,"end":3284.435},{"sentences":[{"text":"Tax deductible debt.","start":3284.435,"end":3285.395,"sentiment":"neutral","sentiment_score":0.21419602632522583},{"text":"We love tax deductible debt.","start":3285.395,"end":3287.0151,"sentiment":"positive","sentiment_score":0.34365651607513426}],"sentiment":"neutral","sentiment_score":0.2951088324189186,"channel":0,"num_words":8,"start":3284.435,"end":3287.0151},{"sentences":[{"text":"Yeah.","start":3287.635,"end":3288.115,"sentiment":"neutral","sentiment_score":0.10166312754154204},{"text":"But then if I do start renting out this PPR one,","start":3288.115,"end":3293.4949,"sentiment":"neutral","sentiment_score":0.0592114772986282}],"sentiment":"neutral","sentiment_score":0.06274911481887102,"channel":1,"num_words":12,"start":3287.635,"end":3293.4949},{"sentences":[{"text":"It can become tax","start":3294.355,"end":3295.075,"sentiment":"neutral","sentiment_score":0.05165889672935009}],"sentiment":"neutral","sentiment_score":0.05165889672935009,"channel":0,"num_words":4,"start":3294.355,"end":3295.075},{"sentences":[{"text":"Oh,","start":3294.8901,"end":3295.3901,"sentiment":"neutral","sentiment_score":0.04735869914293289}],"sentiment":"neutral","sentiment_score":0.04735869914293289,"channel":1,"num_words":1,"start":3294.8901,"end":3295.3901},{"sentences":[{"text":"deductible.","start":3295.075,"end":3295.575,"sentiment":"neutral","sentiment_score":0.0528683140873909},{"text":"Yes.","start":3295.635,"end":3296.135,"sentiment":"neutral","sentiment_score":0.07221470028162003}],"sentiment":"neutral","sentiment_score":0.06254150718450546,"channel":0,"num_words":2,"start":3295.075,"end":3296.135},{"sentences":[{"text":"yeah.","start":3296.01,"end":3296.51,"sentiment":"neutral","sentiment_score":0.06546430289745331},{"text":"For for six years, if you play the six year rule thing.","start":3296.6501,"end":3300.11,"sentiment":"neutral","sentiment_score":0.06861293440063794}],"sentiment":"neutral","sentiment_score":0.06837073197731605,"channel":1,"num_words":13,"start":3296.01,"end":3300.11},{"sentences":[{"text":"Yep.","start":3300.46,"end":3300.7,"sentiment":"neutral","sentiment_score":0.10246214270591736}],"sentiment":"neutral","sentiment_score":0.10246214270591736,"channel":0,"num_words":1,"start":3300.46,"end":3300.7},{"sentences":[{"text":"So","start":3300.57,"end":3301.07,"sentiment":"neutral","sentiment_score":0.089899942278862}],"sentiment":"neutral","sentiment_score":0.089899942278862,"channel":1,"num_words":1,"start":3300.57,"end":3301.07},{"sentences":[{"text":"You can play yeah.","start":3300.7,"end":3301.42,"sentiment":"neutral","sentiment_score":0.08822321332991123},{"text":"You can play the six year rule.","start":3301.42,"end":3302.7,"sentiment":"neutral","sentiment_score":0.08681252385888781},{"text":"Correct.","start":3302.7,"end":3303.2,"sentiment":"neutral","sentiment_score":0.03966039791703224}],"sentiment":"neutral","sentiment_score":0.08335340985407431,"channel":0,"num_words":12,"start":3300.7,"end":3303.2},{"sentences":[{"text":"that's what I was gonna do.","start":3303.1301,"end":3304.59,"sentiment":"neutral","sentiment_score":0.10583184907833736}],"sentiment":"neutral","sentiment_score":0.10583184907833736,"channel":1,"num_words":6,"start":3303.1301,"end":3304.59},{"sentences":[{"text":"Yeah.","start":3305.18,"end":3305.68,"sentiment":"neutral","sentiment_score":0.051838673651218414},{"text":"So we don't have to shift the debt.","start":3305.8198,"end":3308.0598,"sentiment":"neutral","sentiment_score":-0.03140935057308525},{"text":"But at the moment, until you rent it out, I would shift all the money from the redraw over onto the offset of the primary residence because","start":3308.0598,"end":3318.535,"sentiment":"neutral","sentiment_score":0.06069978795669697}],"sentiment":"neutral","sentiment_score":0.039984948441593185,"channel":0,"num_words":36,"start":3305.18,"end":3318.535},{"sentences":[{"text":"Yep.","start":3318.255,"end":3318.755,"sentiment":"neutral","sentiment_score":0.09270162880420683}],"sentiment":"neutral","sentiment_score":0.09270162880420683,"channel":1,"num_words":1,"start":3318.255,"end":3318.755},{"sentences":[{"text":"your interest is calculated daily.","start":3318.535,"end":3320.395,"sentiment":"neutral","sentiment_score":0.11797046065330505},{"text":"So the sooner you have that money sitting in the offset of the PPR, the better off you are.","start":3320.535,"end":3325.435,"sentiment":"neutral","sentiment_score":0.24609649573501788}],"sentiment":"neutral","sentiment_score":0.21940357175966105,"channel":0,"num_words":24,"start":3318.535,"end":3325.435},{"sentences":[{"text":"Yep.","start":3326.41,"end":3326.73,"sentiment":"neutral","sentiment_score":0.17365488409996033},{"text":"Agreed.","start":3326.73,"end":3327.23,"sentiment":"neutral","sentiment_score":0.29853010177612305},{"text":"Some of the housekeeping things I need to know and do.","start":3329.3699,"end":3334.27,"sentiment":"neutral","sentiment_score":0.05802075530995022}],"sentiment":"neutral","sentiment_score":0.08541640725273353,"channel":1,"num_words":13,"start":3326.41,"end":3334.27},{"sentences":[{"text":"Yeah.","start":3333.96,"end":3334.46,"sentiment":"neutral","sentiment_score":0.12873119115829468}],"sentiment":"neutral","sentiment_score":0.12873119115829468,"channel":0,"num_words":1,"start":3333.96,"end":3334.46},{"sentences":[{"text":"Yeah.","start":3335.265,"end":3335.765,"sentiment":"neutral","sentiment_score":0.16565336287021637}],"sentiment":"neutral","sentiment_score":0.16565336287021637,"channel":1,"num_words":1,"start":3335.265,"end":3335.765},{"sentences":[{"text":"Yeah.","start":3335.8,"end":3336.12,"sentiment":"neutral","sentiment_score":0.2239864319562912},{"text":"So if you shift that money over, that's gonna sit a lot better for you from an interest perspective.","start":3336.12,"end":3340.62,"sentiment":"positive","sentiment_score":0.3469329633210835},{"text":"It means that this month's repayment will go off will will take more off the capital than it was interest.","start":3340.925,"end":3347.185,"sentiment":"neutral","sentiment_score":0.16201751194894315},{"text":"So it'll make you feel a little bit better there.","start":3347.7249,"end":3350.385,"sentiment":"positive","sentiment_score":0.41387306749820707},{"text":"And then until you get it rented out, it'll sit a little bit better that way.","start":3351.325,"end":3355.7449,"sentiment":"neutral","sentiment_score":0.2014811816625297}],"sentiment":"neutral","sentiment_score":0.26391655387300433,"channel":0,"num_words":66,"start":3335.8,"end":3355.7449},{"sentences":[{"text":"Once it is rented out, realistically speaking, it's 61 half of the other where you put the money across all three of those, whether you have it in the redraw or we have it in the offset","start":3356.04,"end":3366.86,"sentiment":"neutral","sentiment_score":0.07499089444408545}],"sentiment":"neutral","sentiment_score":0.07499089444408545,"channel":0,"num_words":37,"start":3356.04,"end":3366.86},{"sentences":[{"text":"Yep.","start":3369.615,"end":3370.115,"sentiment":"neutral","sentiment_score":0.04506378620862961}],"sentiment":"neutral","sentiment_score":0.04506378620862961,"channel":1,"num_words":1,"start":3369.615,"end":3370.115},{"sentences":[{"text":"with respect to, you know, how it's all sitting.","start":3369.7349,"end":3372.315,"sentiment":"neutral","sentiment_score":-0.0010244527624713048}],"sentiment":"neutral","sentiment_score":-0.0010244527624713048,"channel":0,"num_words":9,"start":3369.7349,"end":3372.315},{"sentences":[{"text":"Well, I'm probably I've got a Commonwealth Bank loan versus two UBank loans.","start":3373.4548,"end":3378.255,"sentiment":"neutral","sentiment_score":-0.06903325895277354},{"text":"I'm probably I'm paying more interest on the Commonwealth Bank.","start":3378.255,"end":3383.1199,"sentiment":"neutral","sentiment_score":-0.10062794461846351},{"text":"But yeah.","start":3383.1199,"end":3383.76,"sentiment":"neutral","sentiment_score":-0.044745758175849915},{"text":"That's all.","start":3383.76,"end":3384.32,"sentiment":"neutral","sentiment_score":-0.02612267341464758},{"text":"The interest is all tax deductible.","start":3384.32,"end":3386.1,"sentiment":"neutral","sentiment_score":0.004339260359605153}],"sentiment":"neutral","sentiment_score":-0.06119433677557743,"channel":1,"num_words":33,"start":3373.4548,"end":3386.1},{"sentences":[{"text":"But","start":3386.16,"end":3386.66,"sentiment":"neutral","sentiment_score":0.0011845417320728302}],"sentiment":"neutral","sentiment_score":0.0011845417320728302,"channel":1,"num_words":1,"start":3386.16,"end":3386.66},{"sentences":[{"text":"Yeah.","start":3387.27,"end":3387.6702,"sentiment":"neutral","sentiment_score":-0.004996797069907188},{"text":"Is the com is the ComBank loan on your is that your PPR?","start":3387.6702,"end":3391.85,"sentiment":"neutral","sentiment_score":-0.01197329442948103}],"sentiment":"neutral","sentiment_score":-0.01147497318951147,"channel":0,"num_words":14,"start":3387.27,"end":3391.85},{"sentences":[{"text":"yeah.","start":3392.32,"end":3392.82,"sentiment":"neutral","sentiment_score":-0.0319993793964386}],"sentiment":"neutral","sentiment_score":-0.0319993793964386,"channel":1,"num_words":1,"start":3392.32,"end":3392.82},{"sentences":[{"text":"Your PPR probably is less because it was done as a PPR loan.","start":3393.955,"end":3398.615,"sentiment":"neutral","sentiment_score":-0.0819058154637997}],"sentiment":"neutral","sentiment_score":-0.0819058154637997,"channel":0,"num_words":13,"start":3393.955,"end":3398.615},{"sentences":[{"text":"Alright.","start":3399.295,"end":3399.795,"sentiment":"neutral","sentiment_score":-0.0008921008557081223},{"text":"Oh,","start":3399.855,"end":3400.095,"sentiment":"neutral","sentiment_score":-0.014887074939906595}],"sentiment":"neutral","sentiment_score":-0.00788958789780736,"channel":1,"num_words":2,"start":3399.295,"end":3400.095},{"sentences":[{"text":"Investment","start":3400.035,"end":3400.535,"sentiment":"neutral","sentiment_score":-0.0563354417681694}],"sentiment":"neutral","sentiment_score":-0.0563354417681694,"channel":0,"num_words":1,"start":3400.035,"end":3400.535},{"sentences":[{"text":"yeah.","start":3400.095,"end":3400.595,"sentiment":"neutral","sentiment_score":-0.0522722527384758}],"sentiment":"neutral","sentiment_score":-0.0522722527384758,"channel":1,"num_words":1,"start":3400.095,"end":3400.595},{"sentences":[{"text":"loans are actually higher.","start":3400.595,"end":3401.975,"sentiment":"neutral","sentiment_score":-0.11534416675567627},{"text":"Sorry.","start":3402.515,"end":3403.015,"sentiment":"neutral","sentiment_score":-0.10178916156291962}],"sentiment":"neutral","sentiment_score":-0.11263316571712494,"channel":0,"num_words":5,"start":3400.595,"end":3403.015},{"sentences":[{"text":"Well, I think my broker at the time to get me across the line put me on as a investment","start":3404.415,"end":3413.25,"sentiment":"neutral","sentiment_score":-0.0629959849640727}],"sentiment":"neutral","sentiment_score":-0.0629959849640727,"channel":1,"num_words":20,"start":3404.415,"end":3413.25},{"sentences":[{"text":"Investment 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quick look.","start":3423.975,"end":3425.2751,"sentiment":"neutral","sentiment_score":0.0027791314447919526},{"text":"Because you are if we are sitting at 1350 Yeah.","start":3425.975,"end":3442.7898,"sentiment":"neutral","sentiment_score":-0.00967431403696537}],"sentiment":"neutral","sentiment_score":-0.010038488935078345,"channel":0,"num_words":31,"start":3415.23,"end":3442.7898},{"sentences":[{"text":"We're sitting well below 80%, so we're good.","start":3442.7898,"end":3445.275,"sentiment":"neutral","sentiment_score":0.16056147729977965},{"text":"I just I didn't want you to go and refinance and then get hit with LMI again or lenders mortgage insurance.","start":3446.9548,"end":3452.1748,"sentiment":"negative","sentiment_score":-0.33427461697941735},{"text":"Because if you refinance and you're above 80%, you get hit with lenders mortgage insurance again.","start":3452.315,"end":3457.6948,"sentiment":"neutral","sentiment_score":-0.18056697072461247},{"text":"What 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get","start":3468.52,"end":3469.0,"sentiment":"neutral","sentiment_score":0.05087934931119283}],"sentiment":"neutral","sentiment_score":0.04958352961887916,"channel":0,"num_words":30,"start":3458.875,"end":3469.0},{"sentences":[{"text":"Yes.","start":3468.8699,"end":3469.3699,"sentiment":"neutral","sentiment_score":0.07193590700626373}],"sentiment":"neutral","sentiment_score":0.07193590700626373,"channel":1,"num_words":1,"start":3468.8699,"end":3469.3699},{"sentences":[{"text":"the lower interest rate right now, and you can, from there, then go and rent it out afterwards.","start":3469.0,"end":3480.115,"sentiment":"neutral","sentiment_score":0.08800963747004668},{"text":"Obviously, while it's rented, if in the you know, while you do have have it as an investment property, if you go and refinance again, you have to do it under a under an investment loan.","start":3481.375,"end":3490.6802,"sentiment":"neutral","sentiment_score":0.022946887054584093},{"text":"But right now, because it is a PPR, you're living in that PPR, it's considered your PPR, you can do it under a mortgage loan, which will take don't don't get me wrong.","start":3490.9802,"end":3500.9048,"sentiment":"neutral","sentiment_score":0.08576894246719101},{"text":"It's generally points of a percent off, but still, that's points of a percent in your back pocket.","start":3500.9048,"end":3505.4048,"sentiment":"neutral","sentiment_score":0.13352727476093504},{"text":"That's","start":3505.865,"end":3506.105,"sentiment":"neutral","sentiment_score":0.09130044281482697}],"sentiment":"neutral","sentiment_score":0.07297573489013989,"channel":0,"num_words":106,"start":3469.0,"end":3506.105},{"sentences":[{"text":"Yeah.","start":3505.9102,"end":3506.4102,"sentiment":"neutral","sentiment_score":0.10537533462047576}],"sentiment":"neutral","sentiment_score":0.10537533462047576,"channel":1,"num_words":1,"start":3505.9102,"end":3506.4102},{"sentences":[{"text":"less interest you're paying on the overall 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just","start":3546.01,"end":3546.49,"sentiment":"neutral","sentiment_score":0.026480799540877342}],"sentiment":"neutral","sentiment_score":-0.023137985871961482,"channel":0,"num_words":13,"start":3543.37,"end":3546.49},{"sentences":[{"text":"yeah.","start":3546.385,"end":3546.885,"sentiment":"neutral","sentiment_score":0.01970851607620716}],"sentiment":"neutral","sentiment_score":0.01970851607620716,"channel":1,"num_words":1,"start":3546.385,"end":3546.885},{"sentences":[{"text":"always wanna check.","start":3546.49,"end":3547.55,"sentiment":"neutral","sentiment_score":0.04545867318908373}],"sentiment":"neutral","sentiment_score":0.04545867318908373,"channel":0,"num_words":3,"start":3546.49,"end":3547.55},{"sentences":[{"text":"But I will ask her the question about changing the loan to","start":3547.825,"end":3552.88,"sentiment":"neutral","sentiment_score":0.019420999567955732}],"sentiment":"neutral","sentiment_score":0.019420999567955732,"channel":1,"num_words":12,"start":3547.825,"end":3552.88},{"sentences":[{"text":"Yeah.","start":3552.505,"end":3553.005,"sentiment":"neutral","sentiment_score":0.023612305521965027}],"sentiment":"neutral","sentiment_score":0.023612305521965027,"channel":0,"num_words":1,"start":3552.505,"end":3553.005},{"sentences":[{"text":"a PPR loan.","start":3553.42,"end":3554.5598,"sentiment":"neutral","sentiment_score":0.03946593217551708}],"sentiment":"neutral","sentiment_score":0.03946593217551708,"channel":1,"num_words":3,"start":3553.42,"end":3554.5598},{"sentences":[{"text":"Absolutely.","start":3556.025,"end":3556.525,"sentiment":"neutral","sentiment_score":0.23119936883449552}],"sentiment":"neutral","sentiment_score":0.23119936883449552,"channel":0,"num_words":1,"start":3556.025,"end":3556.525},{"sentences":[{"text":"Yep.","start":3556.3,"end":3556.8,"sentiment":"neutral","sentiment_score":0.13863711059093475},{"text":"So now now that I've been in it for twelve, fourteen months, so, yep, good good","start":3557.8198,"end":3564.095,"sentiment":"neutral","sentiment_score":0.16567806247621775}],"sentiment":"neutral","sentiment_score":0.1640874182476717,"channel":1,"num_words":17,"start":3556.3,"end":3564.095},{"sentences":[{"text":"Yeah.","start":3563.945,"end":3564.445,"sentiment":"neutral","sentiment_score":0.22533050179481504}],"sentiment":"neutral","sentiment_score":0.22533050179481504,"channel":0,"num_words":1,"start":3563.945,"end":3564.445},{"sentences":[{"text":"idea.","start":3564.095,"end":3564.595,"sentiment":"neutral","sentiment_score":0.2028147578239441},{"text":"What's so to engage your services to guide me through all what we've just talked about.","start":3567.375,"end":3577.19,"sentiment":"neutral","sentiment_score":0.17124941339716315},{"text":"What's the so I sign on the document and send it back to you.","start":3579.01,"end":3584.07,"sentiment":"neutral","sentiment_score":0.0711463817528316}],"sentiment":"neutral","sentiment_score":0.12705982957155473,"channel":1,"num_words":31,"start":3564.095,"end":3584.07},{"sentences":[{"text":"Yep.","start":3584.075,"end":3584.315,"sentiment":"neutral","sentiment_score":0.07100354135036469},{"text":"Yeah.","start":3584.315,"end":3584.7148,"sentiment":"neutral","sentiment_score":0.06961424648761749},{"text":"So you would receive two emails.","start":3584.7148,"end":3586.315,"sentiment":"neutral","sentiment_score":0.06346162284413974},{"text":"One was because my system was being a pain, so I emailed I got Maddie to email you the statement of advice because I couldn't press send on some of the documents through the the sign system.","start":3586.315,"end":3601.49,"sentiment":"neutral","sentiment_score":-0.23070315976400632},{"text":"So you'll have another email that will basically say request the signature that has the statement of advice plus the supplementary documents, your PDFs, applications, everything like that.","start":3602.03,"end":3613.9648,"sentiment":"neutral","sentiment_score":-0.032823827383773665}],"sentiment":"neutral","sentiment_score":-0.12237940483713804,"channel":0,"num_words":73,"start":3584.075,"end":3613.9648},{"sentences":[{"text":"Don't be surprised it may be in your junk folder.","start":3614.1848,"end":3616.365,"sentiment":"neutral","sentiment_score":-0.3211790665984154},{"text":"And,","start":3618.665,"end":3619.165,"sentiment":"neutral","sentiment_score":0.02264425717294216}],"sentiment":"neutral","sentiment_score":-0.2899224008010192,"channel":0,"num_words":11,"start":3614.1848,"end":3619.165},{"sentences":[{"text":"Yes.","start":3618.85,"end":3619.35,"sentiment":"neutral","sentiment_score":0.14490792155265808}],"sentiment":"neutral","sentiment_score":0.14490792155265808,"channel":1,"num_words":1,"start":3618.85,"end":3619.35},{"sentences":[{"text":"yeah, you're able to sign electronically through there.","start":3620.84,"end":3623.4202,"sentiment":"neutral","sentiment_score":0.31694110855460167},{"text":"You don't have to sign today.","start":3623.72,"end":3625.08,"sentiment":"positive","sentiment_score":0.3757332886258761},{"text":"You can definitely take your time to read it.","start":3625.08,"end":3626.84,"sentiment":"positive","sentiment_score":0.5610992511113485},{"text":"It is a lot of documents to go through.","start":3626.84,"end":3628.86,"sentiment":"neutral","sentiment_score":0.19828738106621635},{"text":"Realistically, everything else that's sitting there is a is a supplementary too.","start":3630.12,"end":3636.4548,"sentiment":"neutral","sentiment_score":0.11070956724385421}],"sentiment":"neutral","sentiment_score":0.29438461583446374,"channel":0,"num_words":44,"start":3620.84,"end":3636.4548},{"sentences":[{"text":"The one thing you probably do need to write on with the statement advice is on the sign page, there should there's an option for you to type in the box.","start":3637.555,"end":3646.2148,"sentiment":"neutral","sentiment_score":-0.009378307949631445},{"text":"You're able to type in the box and just say that you're not currently looking to sell your PPR, that just gives me formal notice that you're not selling that PPR property.","start":3647.4,"end":3658.8398,"sentiment":"neutral","sentiment_score":-0.0724888009717688},{"text":"Don't me wrong.","start":3658.8398,"end":3659.4,"sentiment":"neutral","sentiment_score":0.019657084718346596},{"text":"It's gonna be my notes following today's conversation anyway,","start":3659.4,"end":3661.9,"sentiment":"neutral","sentiment_score":0.18214861386352116}],"sentiment":"neutral","sentiment_score":-0.012160805314779281,"channel":0,"num_words":75,"start":3637.555,"end":3661.9},{"sentences":[{"text":"Yep.","start":3662.3699,"end":3662.8699,"sentiment":"positive","sentiment_score":0.35755300521850586}],"sentiment":"positive","sentiment_score":0.35755300521850586,"channel":1,"num_words":1,"start":3662.3699,"end":3662.8699},{"sentences":[{"text":"but it's just always good having it in writing from you as well.","start":3663.335,"end":3666.315,"sentiment":"positive","sentiment_score":0.4861212785427387}],"sentiment":"positive","sentiment_score":0.4861212785427387,"channel":0,"num_words":13,"start":3663.335,"end":3666.315},{"sentences":[{"text":"Yes.","start":3666.6099,"end":3667.1099,"sentiment":"neutral","sentiment_score":0.15855184197425842},{"text":"Alright.","start":3667.17,"end":3667.67,"sentiment":"neutral","sentiment_score":0.2016552537679672},{"text":"No worries.","start":3667.97,"end":3668.79,"sentiment":"neutral","sentiment_score":0.2019483372569084},{"text":"I'll review these docs and be in touch.","start":3669.3298,"end":3673.51,"sentiment":"neutral","sentiment_score":0.17951111309230328},{"text":"Oh, yeah.","start":3673.97,"end":3674.3699,"sentiment":"neutral","sentiment_score":0.04600919969379902}],"sentiment":"neutral","sentiment_score":0.16372936245586192,"channel":1,"num_words":14,"start":3666.6099,"end":3674.3699},{"sentences":[{"text":"Okay.","start":3674.1348,"end":3674.6348,"sentiment":"neutral","sentiment_score":0.031152551993727684}],"sentiment":"neutral","sentiment_score":0.031152551993727684,"channel":0,"num_words":1,"start":3674.1348,"end":3674.6348},{"sentences":[{"text":"Just it is I think Madison","start":3674.3699,"end":3677.855,"sentiment":"neutral","sentiment_score":0.006327611394226551}],"sentiment":"neutral","sentiment_score":0.006327611394226551,"channel":1,"num_words":6,"start":3674.3699,"end":3677.855},{"sentences":[{"text":"Yeah.","start":3677.83,"end":3678.33,"sentiment":"neutral","sentiment_score":0.00545366108417511}],"sentiment":"neutral","sentiment_score":0.00545366108417511,"channel":0,"num_words":1,"start":3677.83,"end":3678.33},{"sentences":[{"text":"mentioned it's like about it's based on my the fee structure is based on my super balance.","start":3677.915,"end":3687.935,"sentiment":"neutral","sentiment_score":-0.013030714191058102}],"sentiment":"neutral","sentiment_score":-0.013030714191058102,"channel":1,"num_words":17,"start":3677.915,"end":3687.935},{"sentences":[{"text":"Balance.","start":3687.765,"end":3688.265,"sentiment":"neutral","sentiment_score":-0.007771985605359077},{"text":"Yep.","start":3688.565,"end":3689.065,"sentiment":"neutral","sentiment_score":0.012534014880657196},{"text":"Yep.","start":3690.085,"end":3690.325,"sentiment":"neutral","sentiment_score":0.00845121406018734}],"sentiment":"neutral","sentiment_score":0.0044044144451618195,"channel":0,"num_words":3,"start":3687.765,"end":3690.325},{"sentences":[{"text":"And","start":3690.1602,"end":3690.6401,"sentiment":"neutral","sentiment_score":-0.015135355293750765}],"sentiment":"neutral","sentiment_score":-0.015135355293750765,"channel":1,"num_words":1,"start":3690.1602,"end":3690.6401},{"sentences":[{"text":"So that's","start":3690.325,"end":3690.7249,"sentiment":"neutral","sentiment_score":-0.02102734614163637}],"sentiment":"neutral","sentiment_score":-0.02102734614163637,"channel":0,"num_words":2,"start":3690.325,"end":3690.7249},{"sentences":[{"text":"that what is I think she was mentioning it's around a thousand dollars a month.","start":3690.6401,"end":3700.665,"sentiment":"neutral","sentiment_score":-0.04517820825179418}],"sentiment":"neutral","sentiment_score":-0.04517820825179418,"channel":1,"num_words":15,"start":3690.6401,"end":3700.665},{"sentences":[{"text":"Not quite.","start":3702.5,"end":3703.32,"sentiment":"neutral","sentiment_score":-0.12078835070133209},{"text":"But, yeah, the in that fee table that was back up on page, like, 24 or something, where I where we talked about like, currently, you don't have an adviser under q super, but you will under hub twenty four, and there's that $8,008.08 9.","start":3703.62,"end":3720.855,"sentiment":"neutral","sentiment_score":-0.06927487730152077},{"text":"That's the advised fee.","start":3721.875,"end":3723.335,"sentiment":"neutral","sentiment_score":-0.1049796249717474}],"sentiment":"neutral","sentiment_score":-0.07409538587957036,"channel":0,"num_words":51,"start":3702.5,"end":3723.335},{"sentences":[{"text":"Okay.","start":3724.7898,"end":3725.2898,"sentiment":"neutral","sentiment_score":-0.04223313182592392},{"text":"And should I disengage your services in","start":3726.3098,"end":3734.155,"sentiment":"neutral","sentiment_score":-0.07902025750705174}],"sentiment":"neutral","sentiment_score":-0.07442186679691076,"channel":1,"num_words":8,"start":3724.7898,"end":3734.155},{"sentences":[{"text":"Yep.","start":3733.97,"end":3734.47,"sentiment":"neutral","sentiment_score":-0.040397945791482925}],"sentiment":"neutral","sentiment_score":-0.040397945791482925,"channel":0,"num_words":1,"start":3733.97,"end":3734.47},{"sentences":[{"text":"six months' time or whenever?","start":3734.455,"end":3736.155,"sentiment":"neutral","sentiment_score":-0.0204272136092186}],"sentiment":"neutral","sentiment_score":-0.0204272136092186,"channel":1,"num_words":5,"start":3734.455,"end":3736.155},{"sentences":[{"text":"Yep.","start":3736.4648,"end":3736.9648,"sentiment":"neutral","sentiment_score":0.004347800277173519}],"sentiment":"neutral","sentiment_score":0.004347800277173519,"channel":0,"num_words":1,"start":3736.4648,"end":3736.9648},{"sentences":[{"text":"Would that advice be still be ongoing in Hub twenty four?","start":3737.415,"end":3742.28,"sentiment":"neutral","sentiment_score":-0.01473212106661363}],"sentiment":"neutral","sentiment_score":-0.01473212106661363,"channel":1,"num_words":11,"start":3737.415,"end":3742.28},{"sentences":[{"text":"Mhmm.","start":3742.305,"end":3742.4648,"sentiment":"neutral","sentiment_score":-0.010060155764222143},{"text":"If you see sales services, that advice they see as 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charged to the pro rata amount at the time that the arrangement ceases.","start":3768.825,"end":3774.4448,"sentiment":"neutral","sentiment_score":0.003545193393763743}],"sentiment":"neutral","sentiment_score":0.003545193393763743,"channel":0,"num_words":19,"start":3768.825,"end":3774.4448},{"sentences":[{"text":"Yeah.","start":3775.17,"end":3775.67,"sentiment":"neutral","sentiment_score":0.10133545100688934},{"text":"Alright.","start":3775.97,"end":3776.47,"sentiment":"neutral","sentiment_score":0.19031617045402527},{"text":"Okay.","start":3776.6099,"end":3777.1099,"sentiment":"neutral","sentiment_score":0.3170994818210602},{"text":"Good to know.","start":3777.17,"end":3778.0698,"sentiment":"positive","sentiment_score":0.6134250362714132},{"text":"Alright.","start":3778.3699,"end":3778.8699,"sentiment":"positive","sentiment_score":0.4008851647377014}],"sentiment":"positive","sentiment_score":0.4071301966905594,"channel":1,"num_words":7,"start":3775.17,"end":3778.8699},{"sentences":[{"text":"Yeah.","start":3778.76,"end":3779.26,"sentiment":"positive","sentiment_score":0.37749412655830383}],"sentiment":"positive","sentiment_score":0.37749412655830383,"channel":0,"num_words":1,"start":3778.76,"end":3779.26},{"sentences":[{"text":"That's all I've got for today.","start":3779.41,"end":3780.95,"sentiment":"positive","sentiment_score":0.3914574335018794}],"sentiment":"positive","sentiment_score":0.3914574335018794,"channel":1,"num_words":6,"start":3779.41,"end":3780.95},{"sentences":[{"text":"Oh, amazing.","start":3782.28,"end":3783.18,"sentiment":"positive","sentiment_score":0.737872451543808},{"text":"Well, if there are any more questions that you have, please do feel free to give me a call.","start":3783.24,"end":3788.3,"sentiment":"neutral","sentiment_score":0.17787399848825053},{"text":"You can call into the 1300 number and ask myself or, Freddie.","start":3788.44,"end":3791.98,"sentiment":"neutral","sentiment_score":0.1104197862247626},{"text":"Madison's generally the one that answers the phone.","start":3792.5752,"end":3795.455,"sentiment":"neutral","sentiment_score":0.24974917620420456},{"text":"She's got lightning hands on that phone.","start":3795.455,"end":3797.475,"sentiment":"positive","sentiment_score":0.5365502834320068}],"sentiment":"neutral","sentiment_score":0.24862986880665025,"channel":0,"num_words":48,"start":3782.28,"end":3797.475},{"sentences":[{"text":"So nine times out of 10, you will probably speak to her.","start":3800.0151,"end":3802.675,"sentiment":"positive","sentiment_score":0.36656125634908676},{"text":"And then from there, yeah, just you can come through to me, and I'll be able to have a chat with you.","start":3804.3352,"end":3810.87,"sentiment":"neutral","sentiment_score":0.2952011227607727},{"text":"If it's you know, if you have any questions, qualms, concerns, you wanna have a chat about the properties, you just want someone to bounce ideas off, please feel free to give me a call.","start":3811.09,"end":3820.31,"sentiment":"neutral","sentiment_score":0.25315080199922835},{"text":"It's a, one of my favorite things to do, spitball ideas on on debts and how to how to deal with it.","start":3820.955,"end":3826.875,"sentiment":"positive","sentiment_score":0.4296844831921838},{"text":"And sometimes just having that one person to to throw ideas around kind of helps clarify things within yourself as 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absolutely.","start":3854.8708,"end":3855.691,"sentiment":"positive","sentiment_score":0.6749924421310425},{"text":"I look forward to hearing from you.","start":3855.911,"end":3857.6108,"sentiment":"positive","sentiment_score":0.7878568342753819}],"sentiment":"positive","sentiment_score":0.7627758582433065,"channel":0,"num_words":9,"start":3854.8708,"end":3857.6108},{"sentences":[{"text":"Alright.","start":3858.63,"end":3859.1099,"sentiment":"positive","sentiment_score":0.5071434378623962},{"text":"Okay.","start":3859.1099,"end":3859.5898,"sentiment":"positive","sentiment_score":0.5381250381469727},{"text":"Thanks for your time, and have a good day.","start":3859.5898,"end":3862.01,"sentiment":"positive","sentiment_score":0.763771116733551}],"sentiment":"positive","sentiment_score":0.7199280478737571,"channel":1,"num_words":11,"start":3858.63,"end":3862.01},{"sentences":[{"text":"You too, Mark.","start":3862.471,"end":3863.451,"sentiment":"positive","sentiment_score":0.48093249400456745},{"text":"Bye.","start":3863.511,"end":3864.011,"sentiment":"positive","sentiment_score":0.35395199060440063}],"sentiment":"positive","sentiment_score":0.44918736815452576,"channel":0,"num_words":4,"start":3862.471,"end":3864.011},{"sentences":[{"text":"See you.","start":3864.23,"end":3864.7898,"sentiment":"positive","sentiment_score":0.4095488339662552},{"text":"Bye.","start":3864.7898,"end":3865.2898,"sentiment":"neutral","sentiment_score":-0.032304711639881134}],"sentiment":"neutral","sentiment_score":0.26226431876420975,"channel":1,"num_words":3,"start":3864.23,"end":3865.2898}]},"summary":{"result":"success","short":"The representative from Oakview Financial provides recommendations for retirement plans and highlights the importance of maintaining a positive income stream. They emphasize the importance of calculating steps towards retirement and maintaining a positive risk profile. The speaker emphasizes the importance of maintaining a positive risk profile and not losing out on opportunities. They also discuss the best strategy for debt consolidation, including selling a property and diversifying assets. The speaker emphasizes the importance of understanding each asset and investing in it to maximize control and security. They also discuss the benefits of a new insurance policy for retirement and total permanent disability, and recommend establishing an investment portfolio that gives more diversity and security. The speaker emphasizes the importance of maintaining a positive risk profile and not losing out on opportunities. They also discuss refinancing properties and adjusting debt deductibles. The speaker advises the customer to sign a statement of advice and write their own notes."},"intents":{"segments":[{"text":"So have you on a good line, or does it seem to chop in and out, or is it just me?","start_word":30,"end_word":50,"intents":[{"intent":"Clarify communication","confidence_score":0.0035162275}]},{"text":"Now the reason for my call today so my name is Larissa. I'm the head of financial advice at Oakview. And what I was calling for was to go through and present the statement of advice that we put together.","start_word":191,"end_word":230,"intents":[{"intent":"Provide statement of advice","confidence_score":0.04988336}]},{"text":"So the statement of advice details the actual recommendations that we've put together through all the research and based on the goals that you had outlined. Yep.","start_word":303,"end_word":329,"intents":[{"intent":"Explain and explain recommendations","confidence_score":0.003033445}]},{"text":"Now you had a number of goals that you were, I guess, aiming towards achieving, and sort of one of those was, you know, you were sort of look at your superannuation and and try and make sure that you you could, I guess, re review the investment options that were available within it.","start_word":331,"end_word":384,"intents":[{"intent":"Reconsider investment options","confidence_score":0.084299624}]},{"text":"Now you had a number of goals that you were, I guess, aiming towards achieving, and sort of one of those was, you know, you were sort of look at your superannuation and and try and make sure that you you could, I guess, re review the investment options that were available within it. Have a look at the insurance to make sure that your insurance policy was adequately covering the debt that you had. Hello?","start_word":331,"end_word":406,"intents":[{"intent":"Determine goals","confidence_score":0.0008371287}]},{"text":"Additionally, have a look at the debt management around your property as well. So you wanted to I guess, at the moment at little bit overwhelmed with the the amount of debt that's there, and you're wanting to sort of get a little more of a a handle on on that that property and and make sure that we're we're getting everything covered there. Yeah.","start_word":406,"end_word":470,"intents":[{"intent":"Understand debt management","confidence_score":0.026058277}]},{"text":"I've had some rethinks about my property anyway, so it's probably not the most important or yeah. I've just got a different action plan on that. Okay.","start_word":563,"end_word":589,"intents":[{"intent":"Discuss property ownership","confidence_score":0.009049755}]},{"text":"I've Do you know have you, I guess, made any inquiries about what you could get rental wise from the property?","start_word":652,"end_word":672,"intents":[{"intent":"Consider rental options","confidence_score":0.015946506}]},{"text":"And I know you work FIFO, so you're only there for a short period of time when you're obviously off swing. So that's yeah.","start_word":728,"end_word":751,"intents":[{"intent":"Evaluate fio's influence","confidence_score":0.000037108974}]},{"text":"with regards to any investments, what we do and and and what you went through with, Sebi, the director, is you went through and completed what's called a risk profile. Now that risk profile gives us an indication only as to how suited you are, with regards to investments.","start_word":1164,"end_word":1212,"intents":[{"intent":"Define investment plans","confidence_score":0.000032190055}]},{"text":"Now with respect to the strategies, there are a few of them. But, realistically, one of the biggest ones did center around selling your primary place of residence. Because at the time that you spoke with Sevi, that was something that you had discussed as something you were willing to do to be able to become debt free and go from there.","start_word":1726,"end_word":1787,"intents":[{"intent":"Address debts","confidence_score":0.00015933698}]},{"text":"Now the statement of advice does very much center around selling that PPR, the 1,300,000, you know, closing out the debts and and being able to go from there.","start_word":1789,"end_word":1817,"intents":[{"intent":"Outline purpose","confidence_score":0.00037460806}]},{"text":"modeled it up and had a look at everything, selling the PPR worked out better for you in terms of debt consolidation because it had a there's no capital gains attached to it as a as a property sale, and it was able to wipe out the debts for you pretty well, which gave you, you know, that that goal of being able to to get rid of the debts and and just have that little bit more peace of mind.","start_word":2115,"end_word":2195,"intents":[{"intent":"Model debt consolidation and provide peace of mind","confidence_score":0.00072145375}]},{"text":"Yes.","start_word":2312,"end_word":2312,"intents":[{"intent":"Drive a cash flow model","confidence_score":0.000037534584}]},{"text":"That that's what I'm Yeah. what what your I shortage is was with respect gonna to that. I'm trying to just already done that myself. And Okay. yeah. So yeah. I just think that once that gets put into plan, then I should be a bit more cash, more positive. Yeah.","start_word":2313,"end_word":2363,"intents":[{"intent":"Discuss potential cash shortage","confidence_score":0.00081895525}]},{"text":"So you're with QSuper at the moment. QSuper has a very limited investment scope. So they have premix investment options that don't allow you to diversify fully within the platform. So what Citi's recommended is the establishment of a hub twenty four super fund. Now we deal with many, many, many different platforms.","start_word":2444,"end_word":2496,"intents":[{"intent":"Discuss future investments with qsuper","confidence_score":0.002664108}]},{"text":"So what Citi's recommended is the establishment of a hub twenty four super fund.","start_word":2474,"end_word":2487,"intents":[{"intent":"Discuss qsuper recommendation for hub 2044 super fund","confidence_score":0.00062039786}]},{"text":"So Hub twenty four has been recommended because it's suitable for you, not because we're working with one platform over another. And then he's recommended that we establish a investment portfolio that gives you a bit more diversity.","start_word":2498,"end_word":2535,"intents":[{"intent":"Discuss portfolio recommendations","confidence_score":0.03015493}]},{"text":"That's invest, yeah, too much for the foreign language. okay. That that's okay. So let's just say take hack, for example. So Hack is the is the the API or the tracker code that when you're investing, each each asset that you have to buy has its own tracker code so you know what you're investing in.","start_word":2883,"end_word":2939,"intents":[{"intent":"Explain investment process","confidence_score":0.007481018}]},{"text":"QSuper does the same thing.","start_word":3280,"end_word":3284,"intents":[{"intent":"Describe qsuper's investment capabilities","confidence_score":0.0000066493812}]},{"text":"Your investment fees with with your q super are quite low because you're only in that single stock option. So it's about $500 a a week versus it's about $2 or just shy of $22,300 for the investment fees for though for those funds.","start_word":3613,"end_word":3656,"intents":[{"intent":"Clarify fees","confidence_score":0.000904628}]},{"text":"Just in regards to your table about the cost comparisons with Super.","start_word":3868,"end_word":3879,"intents":[{"intent":"Discuss cost comparisons","confidence_score":0.11366933}]},{"text":"Oh, is that Netofees? Yes.","start_word":3931,"end_word":3935,"intents":[{"intent":"Confirm netofees","confidence_score":0.01732594}]},{"text":"So after all, the line items above, that's the comparative rate at the end of the day, like, you know, five year rolling average, minus single fees and investment fees, admin fees, all that. It's that's the bottom line. Yes. Okay.","start_word":3936,"end_word":3976,"intents":[{"intent":"Provide comparative rate","confidence_score":0.0628266}]},{"text":"So you do have insurance with QT for right now. What I what we wanna do is actually replace those because they're you don't have an income protection.","start_word":4031,"end_word":4058,"intents":[{"intent":"Replace insurance","confidence_score":0.40178096}]},{"text":"What I what we wanna do is actually replace those because they're you don't have an income protection. So in the event that you were not able to work for, you know, due to an injury or illness, we wanna look at getting a a policy in place and then just also rounding out your life and total permanent disability to help cover, you know, cover you in the event that anything were to happen. Alright.","start_word":4041,"end_word":4116,"intents":[{"intent":"Recommend policy","confidence_score":0.034372617}]},{"text":"So in the event that you were not able to work for, you know, due to an injury or illness, we wanna look at getting a a policy in place and then just also rounding out your life and total permanent disability to help cover, you know, cover you in the event that anything were to happen.","start_word":4059,"end_word":4115,"intents":[{"intent":"Round out lives and disability","confidence_score":0.0016071398}]},{"text":"Now what we're recommending is that we engage in a new policy for the life, the total parent disability, and the income protection.","start_word":4278,"end_word":4300,"intents":[{"intent":"Recommend new policy","confidence_score":0.2570039},{"intent":"Consider new policy","confidence_score":0.0008711373}]},{"text":"The policy is there to basically be a stopgap between becoming ill and injured, ill or injured, I should say, and being able to return to work. Now if you are unable to return to work, that's where a total permanent disability policy put kicks in, and that becomes a lump sum benefit that's payable to your super fund.","start_word":4363,"end_word":4421,"intents":[{"intent":"Clarify policy requirements","confidence_score":0.004303424}]},{"text":"Now with the policy, we do underwritten policies. So your q super policy is generally a group policy, and your policy was where your employer or you at the opening of your fund made a disclosure of, obviously, age, gender, living, demographic, and then occupation. Now most super funds will just take a stab at the general occupation and give you a general standard occupation rating unless you make a disclosure otherwise.","start_word":4877,"end_word":4948,"intents":[{"intent":"Underwrite policies","confidence_score":0.21129271}]},{"text":"So we don't wanna ever leave you uninsured. We always wanna make sure that we're protecting you and keeping you safe or, you know, keeping you insured during that transition period. Yep.","start_word":5325,"end_word":5356,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.14580022}]},{"text":"But Superfunds have have charged deceased estates. They charge people that are dead. It's happened. And ASIC have gone after them and made them repay it all. There have been, you know, funds that have overcharged clients, and, again, ASIC have investigated and made them pay it back.","start_word":5535,"end_word":5582,"intents":[{"intent":"Address superfund controversy","confidence_score":0.000066720975}]},{"text":"They've been around for quite a long time, and they have both had both both of those two funds have both had to engage in remediation to pay and remediate back the funds lost by clients because they let the asset be available on platform.","start_word":5837,"end_word":5881,"intents":[{"intent":"Address asset issues","confidence_score":0.0029326568}]},{"text":"I did have a client that came to me. He had Shield assets, so I've been working with him for the last couple of years while Shield was in in liquidation. He actually had First Guardian and Shield while both of them were in liquidation. So I've been very, very much on top of how they've been going.","start_word":6218,"end_word":6275,"intents":[{"intent":"Discuss client's experiences","confidence_score":0.0013662204}]},{"text":"I'm more than happy to send you portfolio reports for every single one of the assets I've recommended so you can see what assets you're investing in. No. No.","start_word":6783,"end_word":6811,"intents":[{"intent":"Analyze investments","confidence_score":0.008138827}]},{"text":"I've always wondered what how aggressive like, in my aggressive portfolio, what the the G Super investment team are highlighting as where they're putting my money. Like, exactly. Yeah.","start_word":7041,"end_word":7069,"intents":[{"intent":"Highlight portfolio information","confidence_score":0.0008902172}]},{"text":"What So else can we talk about?","start_word":7169,"end_word":7175,"intents":[{"intent":"Discuss information","confidence_score":0.0007850332}]},{"text":"I need to it's probably more of an emotional decision than a strategic smart decision.","start_word":7275,"end_word":7289,"intents":[{"intent":"Discuss strategic decision","confidence_score":0.0067758756}]},{"text":"But also part of it is I'm paying all this land tax every year because I've got two Queensland properties. Yep.","start_word":7291,"end_word":7311,"intents":[{"intent":"Determine tax liability","confidence_score":0.0008251659}]},{"text":"The other thing we can do, just to throw a spanner in the works, is you could refi on the properties. So I can connect you with my broker, and we can refinance the properties and shift the million dollars off your primary residence and shift it over into the investment properties. Oh, yeah?","start_word":7843,"end_word":7896,"intents":[{"intent":"Refinance and minimize debt","confidence_score":0.00058768224},{"intent":"Set up investments","confidence_score":0.0006044525}]},{"text":"So when I say this, I I say this understanding I have the same position, but a home loan is actually bad debt because it's nontax deductible.","start_word":7926,"end_word":7952,"intents":[{"intent":"Describe debt as bad debt","confidence_score":0.00015878478}]},{"text":"For for six years, if you play the six year rule thing. Yep.","start_word":8000,"end_word":8012,"intents":[{"intent":"Play six-year rule","confidence_score":0.25689313}]},{"text":"Because if you refinance and you're above 80%, you get hit with lenders mortgage insurance again. What you Yep. could do is you can go refinance now before you go and invest rent it out, and you can refinance under a principal place of residence loan. So you get Yes.","start_word":8377,"end_word":8426,"intents":[{"intent":"Offer refinance options","confidence_score":0.011335084}]},{"text":"I'll review these docs and be in touch. Oh, yeah.","start_word":8937,"end_word":8946,"intents":[{"intent":"Review docs and disengage services","confidence_score":0.00011020131}]}]},"sentiments":{"segments":[{"text":"Hello. Am I speaking? Hello? Do I have you there, Mark? Yes. Speaking. Hi. Larissa from Oakview Financial. How are you going?","start_word":0,"end_word":21,"sentiment":"neutral","sentiment_score":0.08535180240869522},{"text":"Good. Thank you. How are you? That's good.","start_word":22,"end_word":29,"sentiment":"positive","sentiment_score":0.5173720121383667},{"text":"So have you on a good line, or does it seem to chop in and out, or is it just me? I should be on a good line. There's not a Wi Fi or anything. Just in Southport. So No. I wouldn't have thought that there would be a bad line at all. But, anyway, let me know if it drops out at all. It could just could just be me. But That's how alright. are you going this morning? Hey.","start_word":30,"end_word":110,"sentiment":"neutral","sentiment_score":0.05821170285344124},{"text":"Good. Thanks. I'm just having an easy day. Oh, I love that. That's perfect. We love a good easy day.","start_word":111,"end_word":130,"sentiment":"positive","sentiment_score":0.7064661383628845},{"text":"And what about yourself? Nothing wrong with that.","start_word":131,"end_word":138,"sentiment":"neutral","sentiment_score":0.26432377099990845},{"text":"Oh, I wish it was an easy day so far.","start_word":139,"end_word":148,"sentiment":"positive","sentiment_score":0.4416615962982178},{"text":"No.","start_word":149,"end_word":149,"sentiment":"neutral","sentiment_score":0.15687574446201324},{"text":"It's it's been actually pretty okay. Had a coffee, had breakfast, went for a run this morning. Can't complain. Really on top of life.","start_word":150,"end_word":173,"sentiment":"positive","sentiment_score":0.4474760890007019},{"text":"Yeah.","start_word":174,"end_word":174,"sentiment":"neutral","sentiment_score":0.2738744616508484},{"text":"Very much.","start_word":175,"end_word":176,"sentiment":"positive","sentiment_score":0.3445277810096741},{"text":"Got it. Got three kids underfoot, so can't can't slack off, unfortunately. Yes. True. Now the reason for my call today so my name is Larissa. I'm the head of financial advice at Oakview. And what I was calling for was to go through and present the statement of advice that we put together. Yep. So I've pressed send on, like, the documents to come forward come to you, but they are quite large. So don't be surprised that they take a little bit to come through via email. But, ultimately, what those documents do entail, and the the biggest document of them all is what's called the statement of advice, and that's what I'm going to to sort of go through and explain with you. So the statement of advice details the actual recommendations that we've put together through all the research and based on the goals that you had outlined. Yep. Now you had a number of goals that you were, I guess, aiming towards achieving, and sort of one of those was, you know, you were sort of look at your superannuation and and try and make sure that you you could, I guess, re review the investment options that were available within it. Have a look at the insurance to make sure that your insurance policy was adequately covering the debt that you had. Hello? Additionally, have a look at the debt management around your property as well. So you wanted to I guess, at the moment at little bit overwhelmed with the the amount of debt that's there, and you're wanting to sort of get a little more of a a handle on on that that property and and make sure that we're we're getting everything covered there. Yeah. So aside from that, we did have that you you have you have a goal with with regards to the property that we will look at a little bit later. So looking at sort of, I guess, the sale of of your property, potentially something within a few years' time. So at the moment, that's obviously scoped out because it doesn't sort of fall within a time frame that we're able to to scope that into, but it's something that we're able to work towards looking at a little bit later. Yeah. I've had some rethinks about my property anyway, so it's probably not the most important or yeah. I've just got a different action plan on that. Okay. So what are you what are you I guess, what what did you rethink with regards to the property? Just well, instead of, well, instead of selling it, just renting it out and then living for free Yeah. back with mom while it's rented, and that will service a good part of the loan. So yeah. Yeah.","start_word":177,"end_word":646,"sentiment":"neutral","sentiment_score":0.052594373866598654},{"text":"Absolutely. Yeah. So Definitely possible.","start_word":647,"end_word":651,"sentiment":"positive","sentiment_score":0.4178783595561981},{"text":"I've Do you know have you, I guess, made any inquiries about what you could get rental wise from the property? made inquiries about I've just got a got a few things to do before I put it up for rent. And then, Yep. hopefully, by July, it's it's getting rented. Okay. No.","start_word":652,"end_word":704,"sentiment":"neutral","sentiment_score":0.1216045692563057},{"text":"That's absolutely okay. Alright. So that's that's something that, I guess, within your family is is they're able to support you with that.","start_word":705,"end_word":727,"sentiment":"positive","sentiment_score":0.5799848437309265},{"text":"And I know you work FIFO, so you're only there for a short period of time when you're obviously off swing. So that's yeah. Okay. And have has the real estate given you an indication as to what you're going to get in rental income or not quite yet? Around $7.70 a week. So that's yeah, better than nothing, and it's it's my probably, I also wanna keep this principal PPLR or whatever it's called. Yep. Principal And Place of Residence, PPO. yeah. And then just keep it for the longer term and then sell off the Southport ones that sort of don't give me much interest or joy. Yeah. Absolutely. So you you're you're thinking you might just rent out the PPR and then look at selling Southport? Yeah. But trying to not be so asset rich and cash poor. Yeah. You wanna you wanna create a little bit more liquidity for yourself. Yeah. Yeah. Absolutely. No. That's that's fine. Alright. Well, let's go through it, and we can kind of talk about a few of the points we put together anyway because they could give you a little bit of a, I guess, thought process to think about on how things can sort of flow. And, you know, based on what you're saying now, we can always update and make changes to to how we wanna, I guess, progress. So with with yourself, I've got you on, like, a $160,000 a year. You're, you know, full time employed and and and, again, like I said, you're FIFO work. With regards to assets, I have the PPR, and then I have the two investment property on Mull And Lind Avenues. Yep. Mull is worth about 1 mill. It's got 370,000 owing and lend about 900,000 and 300,000 owing with your PPR at 1.35 with about a million owing on it. Now I know that you you also have, like, redraw facilities on both Mault and Linde at the moment and a bit of an offset account sitting on your primary residence.","start_word":728,"end_word":1069,"sentiment":"neutral","sentiment_score":0.11697017113890563},{"text":"So you set things up really nicely on that front having that that extra little bit of cash.","start_word":1070,"end_word":1087,"sentiment":"positive","sentiment_score":0.580764651298523},{"text":"Now Yeah. with your superannuation and and the form of your assets, you currently have about 516,000 within your q super account, and you also have an addition an insurance policy within that account. So you have a life and a total and permanent disability policy in that, which currently services a $179,000 in the event that you would have passed away or be totally disabled. So you have that cover within that fund. Now Yes. with regards to any investments, what we do and and and what you went through with, Sebi, the director, is you went through and completed what's called a risk profile. Now that risk profile gives us an indication only as to how suited you are, with regards to investments. So, basically, what your tolerance is to any kind of market, risks. Okay? Now you came out as as a high growth. So it means that you're willing to take on, you know, volatile markets. You still got quite an extensive time before you're looking to access any of the capital of the investment. You know, you're not looking to to take off you know, you're not looking to throw it all on red type of thing at the at the roulette tables. It's it's purely and simply that you are calculated in how you wanna invest, but you're willing to let it ride a little bit more than, you know, be conservative per se. Now, ultimately, what we've actually recommended, because you have such a time frame to be able to invest, is to pop you up into what's called an aggressive investment profile. Now the difference between a high growth and an aggressive is really where the assets actually lie. So with any kind of risk profile, what that actually denotes is where the assets sit, whether they sit within a growth sector or whether they sit within defensive sector. Now from that, that percentage or weighting between those two allocations outlines what the what the risk profile is. So an aggressive risk profile basically means that a 100% of the assets that are able to be invested are in growth assets. So they're not sitting in cash or fixed interest or bonds or anything like that, are your defensive assets. A high growth risk profile basically has about 10% roughly sitting in a defensive asset pool, whereas your aggressive aggressive, as I said, with a 100.","start_word":1088,"end_word":1491,"sentiment":"neutral","sentiment_score":0.07903594202776947},{"text":"Now because you are sub 50, you've got quite a while before we're able to touch the the superannuation investment, and you have been able to establish establish yourself quite well with external investments, we wanna be able to take that that role and keep going.","start_word":1492,"end_word":1537,"sentiment":"positive","sentiment_score":0.38225141167640686},{"text":"We don't wanna slow down. We don't wanna, you know, ease up at the moment.","start_word":1538,"end_word":1552,"sentiment":"neutral","sentiment_score":-0.055191487073898315},{"text":"We wanna be able to keep going with that that investment.","start_word":1553,"end_word":1563,"sentiment":"positive","sentiment_score":0.33921629190444946},{"text":"Now, obviously, an aggressive investment is not not something that you would invest in long term. It is something that you invest in for a shorter period of time. You then start taking steps to become more defensive as you getting older, as we start reaching towards our time frame to to, you know, cease investing or slow down investing, so to speak. Now, realistically, unless specifically with your superannuation, unless you were aiming to withdraw the entire balance at retirement or, you know, at age 60, whatever the age is, you're still gonna remain invested while you're retired and drawing down an income stream. So it's just a matter of making sure that you are calculating the steps as we near towards retirement. Make sure that we do start easing off and start, you know, making sure that we're we're actually hitting our retirement goal, our income need, and not losing out on that. Does that make sense? Yes.","start_word":1564,"end_word":1723,"sentiment":"neutral","sentiment_score":0.10583315044641496},{"text":"Yeah. Cool.","start_word":1724,"end_word":1725,"sentiment":"positive","sentiment_score":0.460723340511322},{"text":"Now with respect to the strategies, there are a few of them. But, realistically, one of the biggest ones did center around selling your primary place of residence. Because at the time that you spoke with Sevi, that was something that you had discussed as something you were willing to do to be able to become debt free and go from there. Now the statement of advice does very much center around selling that PPR, the 1,300,000, you know, closing out the debts and and being able to go from there.","start_word":1726,"end_word":1816,"sentiment":"neutral","sentiment_score":0.0512853239427556},{"text":"That's obviously not something that you're wanting to do anymore.","start_word":1817,"end_word":1826,"sentiment":"negative","sentiment_score":-0.3982389569282532},{"text":"But as you said In my consultation list, I was asking what is the best. I didn't say that I was was or wasn't I I willing. was yeah. Yeah. Yeah. I was asking looking for yeah. What is the best strategy? It's not like I was suggesting Yeah. No. Just out. No. this or planting seeds in his mind. I No. was just looking for The best strategy. some sort of modeling behind it or what could be the best strategy. Yeah. And that's that's where he came up with the selling of the PPR versus selling either of the two other properties. So, normally, like so if a if a client comes to us and and was was to say, hey. I wanna look at these scenarios. I am willing to do any of these things.","start_word":1827,"end_word":1964,"sentiment":"neutral","sentiment_score":-0.047450367361307144},{"text":"I am not willing to do this.","start_word":1965,"end_word":1971,"sentiment":"negative","sentiment_score":-0.5825166702270508},{"text":"So some people come to us and they're like, hey. We have five properties. We you know, we're we wanna consolidate a little bit. We wanna, you know, diversify our assets. We have too many properties, whatever the case may be. We don't wanna sell this specific property. You know, we've been in it for fifty years. We're never gonna sell it. We would obviously not include that in any of the modeling or anything like that. However, you had said you were willing to kind of let go of any of the properties. There was no holes barred, I guess, for lack of a better phrase. And, you know, there was no specific, I guess, attachment to the primary residence, and you were happy to let it go if it was more suitable than either the other two. When we Yes.","start_word":1972,"end_word":2113,"sentiment":"neutral","sentiment_score":-0.06532112509012222},{"text":"modeled it up and had a look at everything, selling the PPR worked out better for you in terms of debt consolidation because it had a there's no capital gains attached to it as a as a property sale, and it was able to wipe out the debts for you pretty well, which gave you, you know, that that goal of being able to to get rid of the debts and and just have that little bit more peace of mind.","start_word":2114,"end_word":2194,"sentiment":"positive","sentiment_score":0.5607958436012268},{"text":"Alright. Okay. Now, obviously, if you're wanting to proceed in more of, like, a you I guess, you've had a an opportunity open where you can move in with mom and or parents, and you're able to rent it out, I can model up what that looks like from a from a cash flow basis with regards to, you know, your rental income plus reasonable costs that you need to keep aside from a, you know, ongoing maintenance perspective, your agents fees or, you know, real estate fees, and, you know, rates and water connections and all the rest of it that you would be obligated to pay to show you what, I guess, your shortage is. Yes. That that's what I'm Yeah. what what your I shortage is was with respect gonna to that. I'm trying to just already done that myself. And Okay. yeah. So yeah. I just think that once that gets put into plan, then I should be a bit more cash, more positive. Yeah. Which is what you were looking to do. Yeah. But what is what is what is your well, like, with back to the superannuation. Yeah. What is is there anything I should, like, should be doing better in Yeah. Absolutely. You should definitely have an email of the statement of advice with you. I would hope it would be with you by now. there. But if you pop down to page 17, it outlines the the recommendation for the superannuation. So you're with QSuper at the moment. QSuper has a very limited investment scope. So they have premix investment options that don't allow you to diversify fully within the platform. So what Citi's recommended is the establishment of a hub twenty four super fund. Now we deal with many, many, many different platforms.","start_word":2195,"end_word":2496,"sentiment":"neutral","sentiment_score":0.0911664068698883},{"text":"So Hub twenty four has been recommended because it's suitable for you, not because we're working with one platform over another. And then he's recommended that we establish a investment portfolio that gives you a bit more diversity.","start_word":2497,"end_word":2534,"sentiment":"positive","sentiment_score":0.4292849600315094},{"text":"So the investments that he's recommended are listed in the document on page 21, but it's, you know, like, a cybersecurity's asset. He's recommended a health care asset. So each of these assets are what's called ETF or exchange trade funds. So they individually you know, it looks like you're basically holding eight eight different holdings. But underneath the underlying assets, there's anything between 20 to a 100 individual companies, stocks, and shares inbuilt into each of those different assets there.","start_word":2535,"end_word":2615,"sentiment":"neutral","sentiment_score":0.17424376308918},{"text":"So it gives you a lot more diversity across what you're investing in, and it gives you a a bit more security with everything as well.","start_word":2616,"end_word":2641,"sentiment":"positive","sentiment_score":0.5315591096878052},{"text":"So you're currently in a full international shares hedged investment, so you are very, very aggressive already. This gives you a little bit more diversity to that investment without currently, like, all of your your your stocks are hedged in one asset. You're international only. You haven't been able to pick and select where you're able to invest, so it takes away some of the, I guess, control from you because Screw Super only has very limited assets, which you would know because you've very much gone and selected this asset. This asset is not something that is generally preselected for an individual. So the different stocks that have been or the ETFs that have been selected give you a bit more of a diversity across the market and allow you to have a little bit more little bit more control. So, like, you have a a Nasdaq investment. You have a tech investment, which you know, the tech investment, a little bit more volatile on the market, but does have really good returns. Each of these stocks are what's called investment grade or above. So we don't invest in really high risk assets that, you know, have not to, I guess, insult your intelligence, but can I ask how much of investing do you actually know? So if I was to say alpha and beta, do you understand what those terminologies mean with investments?","start_word":2642,"end_word":2876,"sentiment":"neutral","sentiment_score":0.08742614835500717},{"text":"No. That's I don't really No. That's invest, yeah, too much for the foreign language.","start_word":2877,"end_word":2891,"sentiment":"negative","sentiment_score":-0.40785905718803406},{"text":"okay. That that's okay. So let's just say take hack, for example. So Hack is the is the the API or the tracker code that when you're investing, each each asset that you have to buy has its own tracker code so you know what you're investing in. So Hack is basically the beta shares. Beta shares is the investment manager, and cybersecurity is, you know, basically what is in under the fund. Now within that fund, there are quite a number of different companies. It does change, but with hack, basically, what the investment is aiming to do is to invest specifically within cybersecurity tech companies that are established and, like, growing. The the whole point of the the asset is not to stagnate or invest in companies that have hit their their peak and are, you know, are are done with their evolution. And it also doesn't invest in stocks in companies that are establishing, so brand new companies that have a high risk of of obviously faulting. So every single one of the companies is is researched and is is is looked at. BetaShares is the investment manager that researches each each of these assets. It is still very volatile because your tech companies can be very volatile. And so the the actual asset itself does tend to to throw its weight around up and down. You have a little bit more of your you're cushioning that through gold. So there's a little bit of gold in the portfolio that does cushion a little bit more of that blow when you've got your, you know, your your more aggressive stocks that are the throwing weight. Tech does the same thing. Nasdaq is obviously very much known for doing that. You've also got S and P 500, so that's pretty much really a nice steady steady asset. And you've got your India stocks as well, which can be a little bit more volatile. Haven't been of late, but can definitely be more volatile. So each of those assets, I guess, do their own thing. Now the portfolio as a whole, any single super fund has to have a cash balance. The hub twenty four fund requires, like, a 1.25 cash allocation. So there's 1.25% that'll be held in cash, and that's because the portfolio requires it. QSuper does the same thing. Every single portfolio or platform requires some form of money to be held in actual cash. Some of the portfolios will hold it within the asset as an underlying because, obviously, the way we've split your assets, a lot of these assets don't have underlying cash. Some of them do, but we've kept your cash balance obviously to a to a minimum because we're hoping like, you know, we're wanting to put more of the assets on the market than less. Now Right. Yep. the aim towards this is to have a low beta, high alpha. So the whole point of a high alpha investment is to to outsource the market. A low beta means that it's costing less than the market equivalent.","start_word":2892,"end_word":3407,"sentiment":"neutral","sentiment_score":0.06756615836548713},{"text":"So it's why we'd aim towards ETF because they're generally a little bit more cost effective because you're able to bundle a lot of different companies into one cube, I guess. And it means that your purchase cost across, you know, buying all these assets reduces a lot.","start_word":3408,"end_word":3455,"sentiment":"positive","sentiment_score":0.37033945322036743},{"text":"Yep. Now with reference to, I guess, the cost base between the two, currently, your your q super fund in the portfolio that it's in is performing at, like, a nine point zero four percent five year rolling. So it's it Mhmm.","start_word":3456,"end_word":3497,"sentiment":"neutral","sentiment_score":0.2113904058933258},{"text":"is doing really well.","start_word":3498,"end_word":3501,"sentiment":"positive","sentiment_score":0.5040584802627563},{"text":"Don't get me wrong.","start_word":3502,"end_word":3505,"sentiment":"neutral","sentiment_score":0.2141365557909012},{"text":"Like, 9% is really great, and over a five year time frame is fantastic.","start_word":3506,"end_word":3519,"sentiment":"positive","sentiment_score":0.6028040647506714},{"text":"It is very much only in international stocks, and you're hedged in international stocks. You don't have any national stocks or anything like that. And, again, you're very limited on what you're able to see.","start_word":3520,"end_word":3554,"sentiment":"neutral","sentiment_score":0.10187327861785889},{"text":"QSuper and the investment menu that you're in is low cost.","start_word":3555,"end_word":3565,"sentiment":"positive","sentiment_score":0.376177042722702},{"text":"So if you have a look on the document at page 24, you'll be able to see a cost breakdown between the two funds. So your admin fees for your q super are coming out, like, $631 versus hub 24, it's 1,500 for the year. Yep.","start_word":3566,"end_word":3611,"sentiment":"neutral","sentiment_score":0.21212410926818848},{"text":"Your investment fees with with your q super are quite low because you're only in that single stock option.","start_word":3612,"end_word":3630,"sentiment":"positive","sentiment_score":0.3795144557952881},{"text":"So it's about $500 a a week versus it's about $2 or just shy of $22,300 for the investment fees for though for those funds.","start_word":3631,"end_word":3655,"sentiment":"neutral","sentiment_score":0.2939330041408539},{"text":"We have used the highest possible investment fees for each of the funds. So your Hub 24 in that investment fee, I've included brokerage fees and everything. Now Hub 24 is an intuitive platform, and you won't always go to market to buy your assets. It actually internally trades within other with other accounts that are currently holding those assets. So when you go to buy, it it does what's called aggregation.","start_word":3656,"end_word":3727,"sentiment":"positive","sentiment_score":0.432985246181488},{"text":"So it doesn't always require you to go to open market to purchase. So those fees are gonna be a lot less. I very, very rarely see my clients actually go to open market. And, generally, it's because I force a market trade that that actually ends up happening. K. Now aside from that, obviously, currently, you don't have an adviser under Oakview. You would have an adviser. So someone that you would be able to talk to ongoing. We would help you out. You would have access to us anytime that you needed. And, you know, we're able to do these documents up, do comparisons for you. You know, if you had another a thought process or a concept you wanted, there's someone to basically be able to run through with that. Just ask a question. Yes. Of course. Just in regards to your table about the cost comparisons with Super. Yes. So just you got my current one with G Super, the next one with Hub 24. Yep. So just you've got me at 9.4% with q q super with the five year rolling average and the hub twenty four thirteen point six one. Yep. Does that include the cost percentage? Oh, is that Netofees? Yes. So after all, the line items above, that's the comparative rate at the end of the day, like, you know, five year rolling average, minus single fees and investment fees, admin fees, all that. It's that's the bottom line. Yes. Okay. Correct. Yeah. Alright. Just seems like a lot of fees.","start_word":3728,"end_word":3986,"sentiment":"neutral","sentiment_score":0.12302058572704729},{"text":"But if it like, if it's a overall a a better or if it nets me more than, yeah, that's a win win, I guess.","start_word":3987,"end_word":4011,"sentiment":"positive","sentiment_score":0.4697915613651275},{"text":"And does it also does it cover or you're saying that my insurance isn't still with QSuper? Yeah. Yeah. So you do have insurance with QT for right now. What I what we wanna do is actually replace those because they're you don't have an income protection. So in the event that you were not able to work for, you know, due to an injury or illness, we wanna look at getting a a policy in place and then just also rounding out your life and total permanent disability to help cover, you know, cover you in the event that anything were to happen. Alright. Yep. I'll go over that in a second. It's basically two pages down from where we are. So as you can see, I guess, you know, based on if we were to basically stay in aggressive, like, in this in this risk profile for the entire time, these are the outcomes that you would basically be looking at receiving. Now, obviously, as I said, as we start nearing your retirement, we will start scaling down a little bit just because you will start becoming a little bit more risk adverse. But that would happen with your current as well because you would wanna start protecting the the assets that you had grown rather than taking risks, you know, on on the capital that you you have. Yep. Understood. Cool. Sensible. Now with respect to the insurance, currently, you have the life and the total payment facility with your q super. So you don't have any income protection as I was saying. Now what we're recommending is that we engage in a new policy for the life, the total parent disability, and the income protection. And the income protection would be at your at your income rate. So it's able to pay up to up to 70% of your income if you were to go on claim. So the whole point of an income protection policy is you're not able to be earning the same amount or better than what you were if you were working. The policy is there to basically be a stopgap between becoming ill and injured, ill or injured, I should say, and being able to return to work. Now if you are unable to return to work, that's where a total permanent disability policy put kicks in, and that becomes a lump sum benefit that's payable to your super fund. Now because at the moment you are, I guess, a little bit cash strapped, Cedi has recommended that we pay for these through your super fund.","start_word":4012,"end_word":4446,"sentiment":"neutral","sentiment_score":0.03726749841509194},{"text":"Now if in the future or, you know, when in the future, not if, when in the future we, you know, start being able to consolidate down some of those those debts and get everything flowing a little bit better, what we would be able to do is from there, we can pop your income protection policy to be paid personally by you because it becomes a tax deduction.","start_word":4447,"end_word":4515,"sentiment":"positive","sentiment_score":0.42779266834259033},{"text":"Now, obviously, at the moment, you've got both of the properties that are tax deductible. So it's something that it can be looked at, but it's not something we wanna obviously impact against your cash flow right now. But we do wanna make sure that that policy is in place just on the event that anything happens. Okay.","start_word":4516,"end_word":4573,"sentiment":"neutral","sentiment_score":0.1479354351758957},{"text":"Because the older we get, unfortunately, things start breaking down a little bit. Trust me. The start running five years ago, and it gets harder every day.","start_word":4574,"end_word":4600,"sentiment":"negative","sentiment_score":-0.4517703652381897},{"text":"Yep.","start_word":4601,"end_word":4601,"sentiment":"neutral","sentiment_score":-0.05966833233833313},{"text":"Now that policy, we're looking at because it's paid by your superannuation fund, it's 15% cheaper than if you paid for it fully personally. And that's because the super fund basically gives you a rebate. So it becomes $1,636.53 for the year, and that gives you 200,000 a life 200, 250,000 a life, 250,000 total claim disability, $9,333 per month of income protection after thirty days.","start_word":4602,"end_word":4667,"sentiment":"positive","sentiment_score":0.3467971682548523},{"text":"So you have to be off work for thirty days before the claim kicks in, and then the policy pays you at the end of the month. So the first payment would be received basically day 60 of being off work, but the policy pays you for up to five years. Now I we did look at, like, a five year versus a two year benefit period, and it was only a couple of $100 difference in the premium. So being on a five year benefit obviously gives you those extra three years worth of security if you you know, anything were happen. Now these kinds of policies cover mental health, back injuries, knee injuries, anything and everything that you can think of. You know, cancer diagnosis where, you know, you need to go through treatment and unable to work during that. So it it enables you to not have to force yourself to go back to work just because you are injured and then, obviously, possibly do more damage to you. Yep.","start_word":4668,"end_word":4840,"sentiment":"neutral","sentiment_score":0.0929402663356307},{"text":"Cool. Right. Cool. So that would basically replace your q that would it would it would replace your q super policy in whole. Right. Yeah. Yeah. I think it's it's a smart thing to do. Cool.","start_word":4841,"end_word":4876,"sentiment":"positive","sentiment_score":0.4824635684490204},{"text":"Now with the policy, we do underwritten policies. So your q super policy is generally a group policy, and your policy was where your employer or you at the opening of your fund made a disclosure of, obviously, age, gender, living, demographic, and then occupation. Now most super funds will just take a stab at the general occupation and give you a general standard occupation rating unless you make a disclosure otherwise. Now what this policy or what the CAL policy will do, which is the provider we're looking at underwriting with, is they will ask you questions to do with your occupation, your health, and your family history. They underwrite the application at time of application rather than underwriting the application at time of claim.","start_word":4877,"end_word":5002,"sentiment":"neutral","sentiment_score":0.11435288935899734},{"text":"It means that the claims process is a lot smoother, which is obviously what we want when it comes time to claim.","start_word":5003,"end_word":5024,"sentiment":"positive","sentiment_score":0.4251739084720611},{"text":"We don't want the headache of, you know, endless forms and stuff like that. A claim is already generally a a pretty extremely stressful moment to begin with, so we don't wanna add the stress to it. So that's why we underwrite the policies at time of application. It means that the insurer knows you as an individual, and they know the level of risk they're taking on when they put the policy in place. Means that the policy is tailored to you rather than to a group of people, which is what you currently have under q super. A group policy is basically where they take individuals within a specific demographic age and gender status, and they all get insured for the same amount of money, and they all pay the same premium. And the insurer basically just says, well, you know, about a percentage of these clients will claim and a percentage of them won't. And based on historical claims processes, that's how the premiums are actually calculated rather than Yes. based on you as an individual. So with the policy that would, as I said, completely replace the the q super policy. You'd have life insurance in place. It would get paid for from the Hub twenty four fund, and your QSuper fund would be closed once the new policy is in place. So we would do a stepped and staged implementation where we would roll the majority of your funds over to Hub twenty four, get the account started, do your insurance application, get the first premium paid for from your Hub twenty four funds so we know it's in place before we close and cancel your other insurance. Because the second that q super closes, the policy insurance policy closes as well or ceases. Yep. So we don't wanna ever leave you uninsured. We always wanna make sure that we're protecting you and keeping you safe or, you know, keeping you insured during that transition period. Yep. Yep. Sounds sensible, and and you need that. You don't wanna be uninsured. No. What's with Hub twenty four, Yes. are they yeah. Yeah. Some recent super funds have taken people's money and just ran off into the distance. Yes. I forgot what names they were, but they've just recently on the news. How could I trust Hub twenty four? Are you gonna do the same? Hub twenty four are one of the largest super funds in Australia with trillions under investment. Not billions, trillions. Yes.","start_word":5025,"end_word":5442,"sentiment":"neutral","sentiment_score":0.007449837446070174},{"text":"So, no, very, very, very, very much not gonna happen.","start_word":5443,"end_word":5452,"sentiment":"negative","sentiment_score":-0.42337456345558167},{"text":"They don't get me wrong. They are new in comparison to, like, your q super. Q super has obviously been around forever, but Hub twenty four has been around for a good couple of decades now, and they are one of the one of the leading super funds. They are a retail fund.","start_word":5453,"end_word":5505,"sentiment":"neutral","sentiment_score":-0.01007768525829855},{"text":"Super funds can't run and take your money.","start_word":5506,"end_word":5513,"sentiment":"negative","sentiment_score":-0.3394603133201599},{"text":"So I'm not a 100% sure what news article you obviously like, you you heard. I'm not trying to undermine it.","start_word":5514,"end_word":5534,"sentiment":"neutral","sentiment_score":-0.2146582305431366},{"text":"But Superfunds have have charged deceased estates. They charge people that are dead. It's happened. And ASIC have gone after them and made them repay it all. There have been, you know, funds that have overcharged clients, and, again, ASIC have investigated and made them pay it back. There have been things that have happened. There are, like, self managed super funds, SMSFs, that have, unfortunately, a little bit less guidance. They are supposed to still act with integrity and under the legislation, but there's a little bit less, I guess, strict ruling over them. Do them wrong. I think do eventually catch up to any of the SMSF funds that aren't acting in line with the legislation, but it's probably not done as well as it should be. They do have to they do have they do get audited every year, but it does take time for, you know, Aetna to go through all the audits and eventually catch up and deal with them.","start_word":5535,"end_word":5699,"sentiment":"negative","sentiment_score":-0.4552590548992157},{"text":"I'd have Yeah. to look into whatever it was, news article. First Guardian and Oh, okay. Yep. I was wondering if you were talking about possibly First Guardian and Is it something she whoever or something? the other one is. Yes. Shield. They were not super funds. They were assets, so they were an investment, not a fund. Hub twenty four did not put them on platform. They were not offered under Hub twenty four. Hub twenty four investigated both of those assets when they became available on market.","start_word":5700,"end_word":5788,"sentiment":"neutral","sentiment_score":-0.14400388300418854},{"text":"It's their obligation to do so. It's that it's what it's what they do as a platform, and both of them were too high risk for them to engage on platform.","start_word":5789,"end_word":5819,"sentiment":"negative","sentiment_score":-0.474764347076416},{"text":"Macquarie, Netwealth, there are a couple other quite large. Macquarie's a bank orientated and connected provider. They've been around for quite a long time, and they have both had both both of those two funds have both had to engage in remediation to pay and remediate back the funds lost by clients because they let the asset be available on platform. Shield and First Guardian have both been in the news for a couple of years now.","start_word":5820,"end_word":5896,"sentiment":"neutral","sentiment_score":-0.13487097195216588},{"text":"Massive, massive screw ups by the super funds.","start_word":5897,"end_word":5904,"sentiment":"negative","sentiment_score":-0.4711947441101074},{"text":"But also the the actual asset managers, it was a Ponzi scheme. I mean, Yes. the short and long of it, it was a Ponzi scheme, unfortunately. OQ Financial have never recommended either of those two assets. The assets that we've recommended and the assets that we do recommend are available on the ASX. They are tried and true. Not gonna say they're blue chip, but they're tried and true assets. We don't take risky investments with our clients' money. You know, we're not we don't invest in Bitcoin. While I do have a couple of clients that do personally invest in Bitcoin, Mhmm. I do have clients who I invest in Bitcoin mining companies for. Yes. I don't. We don't invest in Bitcoin itself.","start_word":5905,"end_word":6029,"sentiment":"neutral","sentiment_score":-0.10970427840948103},{"text":"It's too much of a risky stock, and that's not we're not day trading.","start_word":6030,"end_word":6043,"sentiment":"negative","sentiment_score":-0.36446571350097656},{"text":"We're looking to hold long term stock. And whilst granted, there will be tweaks that we do make to the assets that we're recommending, I e changing some of the weightings, maybe swapping one of the stocks out every now and then. You know, markets change. Maybe, you know, India stops performing, and we wanna move a little bit over, you know, to Japan, whatever the case may be. So we might move some of the waiting around. We're Yeah. not looking to make massive swings left and right.","start_word":6044,"end_word":6132,"sentiment":"neutral","sentiment_score":-0.12967634201049805},{"text":"We're not looking to basically do a full portfolio sell every three months. That makes no sense for a long term stock or investment.","start_word":6133,"end_word":6156,"sentiment":"negative","sentiment_score":-0.3659928441047669},{"text":"I agree. So yeah. No. Shield and First Guardian.","start_word":6157,"end_word":6165,"sentiment":"neutral","sentiment_score":0.03799682483077049},{"text":"I'm more than happy.","start_word":6166,"end_word":6169,"sentiment":"positive","sentiment_score":0.491507887840271},{"text":"I can send you some information on them. I I No. did No. have a I client. just was yeah. Just wondering. Just making sure that I'm not yeah. I just had to travel get my The questions here? Yeah. yeah. Have to ask the question. Absolutely. No. I did have a client that came to me. He had Shield assets, so I've been working with him for the last couple of years while Shield was in in liquidation. He actually had First Guardian and Shield while both of them were in liquidation. So I've been very, very much on top of how they've been going. And, look, he didn't make the outlandish money that it was portrayed as having made, but he did not lose anything.","start_word":6170,"end_word":6296,"sentiment":"neutral","sentiment_score":0.011469615227359486},{"text":"He actually got his cost basis back, which was good.","start_word":6297,"end_word":6306,"sentiment":"positive","sentiment_score":0.47906821966171265},{"text":"So cost basis being what he put into the asset, he got back out. Yep. He held it for a few years, but so he got nothing out of it, but he didn't lose anything.","start_word":6307,"end_word":6341,"sentiment":"neutral","sentiment_score":0.1872975081205368},{"text":"So he's quite happy.","start_word":6342,"end_word":6345,"sentiment":"positive","sentiment_score":0.6135612726211548},{"text":"Because, originally, I turned around and told him he'd be lucky if he get got, you know, 30<unk> on the dollar. So he was quite happy when we ended up walking away pretty much in net positive True that. or net neutral. Yeah. So yeah. And the if you actually have a look in the news, just, I guess, for peace of mind, any of these any of the advisers that recommended either of those two assets were fully investigated by and have been ceased as advisers. So they are no longer able to give advice to clients for a period of time, and that Yeah. will always be on that record their record as a disciplinary action. Yep. It's good. Good that they're in trouble. Well, not to be Yeah. ever in the industry again. Yeah. Look. There there are some some people that have been over the whole Shield First Guardian that have been lifelong banned, but others have been, yeah, like, anywhere between two and ten years banned. Yeah. It makes me wonder if they're now living it up in the Cayman Islands or whatever offshore tax havens.","start_word":6346,"end_word":6537,"sentiment":"neutral","sentiment_score":-0.040511198341846466},{"text":"They've divested their these poor people's funds too. But I can tell you now that the ones that ran the ran the Ponzi scheme is definitely not. They were caught, and they're currently being prosecuted.","start_word":6538,"end_word":6571,"sentiment":"negative","sentiment_score":-0.4058618300101337},{"text":"But yeah. there are always someone somewhere that has benefited and had their name not on anything, and I'm sure there was someone that got away with something. Yep. But Yep. those with their name listed Alright. did not. Okay. As long as hub twenty four is not part of that. No. Not connected at all. Yeah. Connections. When when Yes. I spoke, yeah, when I spoke to their investment committee, when a lot of it broke, they turned around and said, yeah. They were contacted by ASIC. They actually handed over all of their research that they did into the port into the assets or the portfolios, and ASIC basically turned around, clapped them on the back, and said, good job.","start_word":6572,"end_word":6693,"sentiment":"neutral","sentiment_score":-0.11777760833501816},{"text":"We basically had the same outcome when we investigated the assets that they were too high of risk. Basically, like, a lot of the assets were in not real. Like, the stock options that were listed were not actually real stock. They were buildings that were going to be built but got shut down multiple times for nothing up to code, couldn't be established, couldn't be built. It was an absolute shimmuzzle. There was no tangible assets that that the investors were actually investing in under those.","start_word":6694,"end_word":6780,"sentiment":"negative","sentiment_score":-0.47970277070999146},{"text":"Yep. Alright.","start_word":6781,"end_word":6782,"sentiment":"neutral","sentiment_score":0.07801702618598938},{"text":"I'm more than happy to send you portfolio reports for every single one of the assets I've recommended so you can see what assets you're investing in.","start_word":6783,"end_word":6809,"sentiment":"positive","sentiment_score":0.37034425139427185},{"text":"No. No.","start_word":6810,"end_word":6811,"sentiment":"neutral","sentiment_score":-0.225784569978714},{"text":"No. I trust you. You just just yeah. Just that old scheme of things just sorta has lost, What's you on lost edge?","start_word":6812,"end_word":6834,"sentiment":"negative","sentiment_score":-0.36962199211120605},{"text":"my faith in some of the super funds or if it is a super what do you call it? Is it a super fund? Yeah. Superfund platforms, Yep. investors. Like, it it's yeah. All of it. Yeah. There's no there's no saying that QSuper could do the same. So it Perhaps is what q it is. q super 100% could.","start_word":6835,"end_word":6894,"sentiment":"neutral","sentiment_score":-0.046376414597034454},{"text":"And the frustrating part is is that there's not a full offering of assets listed. So you you can't just jump in and see where every single one of your assets are.","start_word":6895,"end_word":6926,"sentiment":"negative","sentiment_score":-0.5011772513389587},{"text":"Whereas on your Hub 24 platform, it's a lot more transparent. So when you actually open it up, there's an app and all the, you know, technological fun things. But when you open it up, you'll see the eight assets, but you can actually click into them, and it shows each one of the underlying assets that that holds. So it means Yes. that, you know, per quarter, Yeah. you could jump in and have a look, and some of those are gonna change. The weighting's gonna change that on you know? Today, you might hold point 3% of West farmers, and then tomorrow, it might be point five type of thing. Yeah. Yeah. I've always wondered what how aggressive like, in my aggressive portfolio, what the the G Super investment team are highlighting as where they're putting my money. Like, exactly. Yeah. Where is it actually sitting? Yeah. Yeah. But and it's I cannot see that. Like, it is available. You just have to dig for it, and it's not as easily obtainable as you would probably like it to be. It is Yeah. available. I can send it to you. It's just it's not it's not fun to find. Well, yeah. Could yeah. Many rabbit holes to go down, but that's what Very much.","start_word":6927,"end_word":7142,"sentiment":"neutral","sentiment_score":0.009739475324749948},{"text":"shits me is that this is the transparency of it.","start_word":7143,"end_word":7152,"sentiment":"negative","sentiment_score":-0.3734349012374878},{"text":"Yeah. Which you will get under health 24, which will be good for you. Yep. Alright. What So else can we talk about? I have nothing else really to to cover on this. I guess I want you to be able to take like, take it and read it. There is a recommendation to be able to like, the first recommendation off the rank was the sale of the PPR, primary residence, because that got you the outcome of being able to consolidate and close out the debt. Yeah. Now So now I'm do you wanna well, hold it? with That's okay. yeah. I now do one hour, but also but now Albo's gone and changed the rules, and that's probably yeah. I need to it's probably more of an emotional decision than a strategic smart decision. But also part of it is I'm paying all this land tax every year because I've got two Queensland properties. Yep. And the state government's got their hands on or into me. So, yeah, I was thinking if I have one Queensland, one New South Wales, probably that land tax sort of gets nullified a bit more or probably Yep. halved.","start_word":7153,"end_word":7350,"sentiment":"neutral","sentiment_score":-0.03832390630674182},{"text":"It's like almost $7,000 last year, and it keeps creeping up.","start_word":7351,"end_word":7361,"sentiment":"negative","sentiment_score":-0.4758434295654297},{"text":"Yeah. And that's pure cash that I can claim. Funnily enough, I can claim tax on. So I don't know what the hell that's about. But, yeah, it's I'm just gonna yeah. I I know I'm just not in a mindset where I I know what I'm doing. Oh, This that's is right. okay. But I think, yeah, just my my gut feel is that one of the Queensland one ones has to go. But Okay. when it goes is is the other question. That's okay. Let me put it this way. There's we I can model out each of the two properties because I know based on those addresses, they're pretty close to each other.","start_word":7362,"end_word":7477,"sentiment":"neutral","sentiment_score":0.03413919731974602},{"text":"So I'm more than happy to model out which ones to sell, which one to keep based on, like, the values and the growth potential of each of the properties as well.","start_word":7478,"end_word":7509,"sentiment":"positive","sentiment_score":0.5101949572563171},{"text":"Because I can I can just look them up online with regards to sales in the area? I can have a look at where they fit. Herring Todd White provides really good statistics with regards to growth potential in each area, whether it's hit the bottom of the market, the top of the market, or whether it's on a growth spiral. So whether it tells us, you know, we can probably sell now or whether we still haven't hit that peak for the area like, the sales area to sell in the area. You know what I mean. And we can go from there. The other thing I did notice when I was obviously reviewing your file and looking over everything, you have redraws in both of your investment properties. Yeah.","start_word":7510,"end_word":7640,"sentiment":"neutral","sentiment_score":0.14031639695167542},{"text":"That's what I'm probably not doing the best with as well.","start_word":7641,"end_word":7651,"sentiment":"negative","sentiment_score":-0.5106936693191528},{"text":"No. It makes a hell of a lot more sense to put all of that money in the offset to your PPR, Yeah. especially right now when your because your PPR is nontax nontax deductible interest.","start_word":7652,"end_word":7687,"sentiment":"neutral","sentiment_score":0.24671321858962375},{"text":"So the more you can reduce down on the interest from that property, the better off you are. You can continue paying the repayments that you're paying. You pay more off on the capital, and the two investment properties are tax deductible to you.","start_word":7688,"end_word":7731,"sentiment":"positive","sentiment_score":0.49167388677597046},{"text":"Yeah. That's so I went down a negative gear and then a positive gear, and then I should have just been negative gearing the whole time just to maximize my Deductible. tax return every Yeah. July or whatever. And yeah. So I lost my way thinking if I had them positive geared, then I shouldn't need to be taxed. Yeah. Getting Yeah.","start_word":7732,"end_word":7793,"sentiment":"neutral","sentiment_score":-0.011532006785273552},{"text":"Because if they're positive, it means you're cash flow rich. You yeah. have income coming in. They're making money. And we will definitely point.","start_word":7794,"end_word":7817,"sentiment":"positive","sentiment_score":0.43507617712020874},{"text":"We're not quite there yet. We need to drop some of the debt down and and just get things moving a little bit better. Yep. The other thing we can do, just to throw a spanner in the works, is you could refi on the properties. So I can connect you with my broker, and we can refinance the properties and shift the million dollars off your primary residence and shift it over into the investment properties. Oh, yeah? Because that as a whole will mean that you're not paying interest. I have a I have I have a PPR myself, and I have a debt on it. So when I say this, I I say this understanding I have the same position, but a home loan is actually bad debt because it's nontax deductible. So from a accountant's point of view, a home loan is a bad debt. An investment property, great debt. Tax deductible debt. We love tax deductible debt. Yeah. But then if I do start renting out this PPR one, It can become tax Oh, deductible. Yes. yeah. For for six years, if you play the six year rule thing. Yep. So You can play yeah. You can play the six year rule. Correct. that's what I was gonna do. Yeah. So we don't have to shift the debt. But at the moment, until you rent it out, I would shift all the money from the redraw over onto the offset of the primary residence because Yep. your interest is calculated daily. So the sooner you have that money sitting in the offset of the PPR, the better off you are. Yep. Agreed. Some of the housekeeping things I need to know and do. Yeah. Yeah. Yeah.","start_word":7818,"end_word":8108,"sentiment":"neutral","sentiment_score":0.08625588583987194},{"text":"So if you shift that money over, that's gonna sit a lot better for you from an interest perspective.","start_word":8109,"end_word":8127,"sentiment":"positive","sentiment_score":0.3478858768939972},{"text":"It means that this month's repayment will go off will will take more off the capital than it was interest.","start_word":8128,"end_word":8147,"sentiment":"neutral","sentiment_score":0.1712597906589508},{"text":"So it'll make you feel a little bit better there.","start_word":8148,"end_word":8157,"sentiment":"positive","sentiment_score":0.42664507031440735},{"text":"And then until you get it rented out, it'll sit a little bit better that way. Once it is rented out, realistically speaking, it's 61 half of the other where you put the money across all three of those, whether you have it in the redraw or we have it in the offset Yep. with respect to, you know, how it's all sitting. Well, I'm probably I've got a Commonwealth Bank loan versus two UBank loans. I'm probably I'm paying more interest on the Commonwealth Bank. But yeah. That's all. The interest is all tax deductible. But Yeah. Is the com is the ComBank loan on your is that your PPR? yeah. Your PPR probably is less because it was done as a PPR loan. Alright. Oh, Investment yeah. loans are actually higher. Sorry. Well, I think my broker at the time to get me across the line put me on as a investment Investment loan. loan. Yeah. Okay. Well, now that you are across the line, maybe go and refi. Oh, wait. Let me have a quick look. Because you are if we are sitting at 1350 Yeah. We're sitting well below 80%, so we're good. I just I didn't want you to go and refinance and then get hit with LMI again or lenders mortgage insurance. Because if you refinance and you're above 80%, you get hit with lenders mortgage insurance again. What you Yep. could do is you can go refinance now before you go and invest rent it out, and you can refinance under a principal place of residence loan. So you get Yes. the lower interest rate right now, and you can, from there, then go and rent it out afterwards. Obviously, while it's rented, if in the you know, while you do have have it as an investment property, if you go and refinance again, you have to do it under a under an investment loan. But right now, because it is a PPR, you're living in that PPR, it's considered your PPR, you can do it under a mortgage loan, which will take don't don't get me wrong. It's generally points of a percent off, but still, that's points of a percent in your back pocket. That's Yeah. less interest you're paying on the overall loan. And when you're dealing with a million dollar loan, they're happy days. And if if you are unhappy with your broker or they're a pain, let me know.","start_word":8158,"end_word":8568,"sentiment":"neutral","sentiment_score":0.007948184000677146},{"text":"My broker is absolutely lovely. She has done fantastic job for me personally and for a number of my clients as well.","start_word":8569,"end_word":8590,"sentiment":"positive","sentiment_score":0.621695339679718},{"text":"And she can have a look at all three of the properties and and refinance for you. Yeah.","start_word":8591,"end_word":8608,"sentiment":"neutral","sentiment_score":0.3212810158729553},{"text":"She was my broker was pretty good.","start_word":8609,"end_word":8615,"sentiment":"positive","sentiment_score":0.43856361508369446},{"text":"And but I think yeah.","start_word":8616,"end_word":8620,"sentiment":"neutral","sentiment_score":0.33164405822753906},{"text":"I'm happy with her.","start_word":8621,"end_word":8624,"sentiment":"positive","sentiment_score":0.45653536915779114},{"text":"Good. No. That Yeah. that's good. But I never wanna take you away from someone you're happy with. I just yeah. always wanna check. But I will ask her the question about changing the loan to Yeah. a PPR loan. Absolutely. Yep. So now now that I've been in it for twelve, fourteen months, so, yep, good good Yeah. idea. What's so to engage your services to guide me through all what we've just talked about. What's the so I sign on the document and send it back to you. Yep. Yeah. So you would receive two emails. One was because my system was being a pain, so I emailed I got Maddie to email you the statement of advice because I couldn't press send on some of the documents through the the sign system. So you'll have another email that will basically say request the signature that has the statement of advice plus the supplementary documents, your PDFs, applications, everything like that. Don't be surprised it may be in your junk folder. And, Yes. yeah, you're able to sign electronically through there.","start_word":8625,"end_word":8807,"sentiment":"neutral","sentiment_score":0.005707150599995598},{"text":"You don't have to sign today. You can definitely take your time to read it.","start_word":8808,"end_word":8822,"sentiment":"positive","sentiment_score":0.47598105669021606},{"text":"It is a lot of documents to go through. Realistically, everything else that's sitting there is a is a supplementary too. The one thing you probably do need to write on with the statement advice is on the sign page, there should there's an option for you to type in the box. You're able to type in the box and just say that you're not currently looking to sell your PPR, that just gives me formal notice that you're not selling that PPR property. Don't me wrong. It's gonna be my notes following today's conversation anyway, Yep.","start_word":8823,"end_word":8919,"sentiment":"neutral","sentiment_score":0.03765279799699783},{"text":"but it's just always good having it in writing from you as well.","start_word":8920,"end_word":8932,"sentiment":"positive","sentiment_score":0.4771501123905182},{"text":"Yes. Alright. No worries. I'll review these docs and be in touch. Oh, yeah. Okay. Just it is I think Madison Yeah. mentioned it's like about it's based on my the fee structure is based on my super balance. Balance. Yep. Yep. And So that's that what is I think she was mentioning it's around a thousand dollars a month. Not quite. But, yeah, the in that fee table that was back up on page, like, 24 or something, where I where we talked about like, currently, you don't have an adviser under q super, but you will under hub twenty four, and there's that $8,008.08 9. That's the advised fee. Okay. And should I disengage your services in Yep. six months' time or whenever? Yep. Would that advice be still be ongoing in Hub twenty four? Mhmm. If you see sales services, that advice they see as well. So it's charged per rider monthly. So if you see staff services midway through a, you know, a fee cycle or a fee arrangement, whatever you wanna call it, so partway through the year, then it would just it would drop off at the time that you chose to have it drop off. Yep. And you would only have been charged to the pro rata amount at the time that the arrangement ceases. Yeah. Alright. Okay.","start_word":8933,"end_word":9157,"sentiment":"neutral","sentiment_score":-0.00610017662247022},{"text":"Good to know. Alright. Yeah. That's all I've got for today. Oh, amazing.","start_word":9158,"end_word":9170,"sentiment":"positive","sentiment_score":0.49029573798179626},{"text":"Well, if there are any more questions that you have, please do feel free to give me a call. You can call into the 1300 number and ask myself or, Freddie. Madison's generally the one that answers the phone.","start_word":9171,"end_word":9209,"sentiment":"neutral","sentiment_score":0.17863468825817108},{"text":"She's got lightning hands on that phone. So nine times out of 10, you will probably speak to her.","start_word":9210,"end_word":9228,"sentiment":"positive","sentiment_score":0.4249142408370972},{"text":"And then from there, yeah, just you can come through to me, and I'll be able to have a chat with you. If it's you know, if you have any questions, qualms, concerns, you wanna have a chat about the properties, you just want someone to bounce ideas off, please feel free to give me a call.","start_word":9229,"end_word":9285,"sentiment":"neutral","sentiment_score":0.2610805928707123},{"text":"It's a, one of my favorite things to do, spitball ideas on on debts and how to how to deal with it.","start_word":9286,"end_word":9307,"sentiment":"positive","sentiment_score":0.4307013154029846},{"text":"And sometimes just having that one person to to throw ideas around kind of helps clarify things within yourself as well.","start_word":9308,"end_word":9328,"sentiment":"neutral","sentiment_score":0.3290489912033081},{"text":"Sure. Yes. Thanks for your offer, and I will probably take you up on it. And, yeah, I'll have a look at these docs, and I'll be in touch hopefully before the end of this month. Oh, absolutely. I look forward to hearing from you. Alright. Okay. Thanks for your time, and have a good day. You too, Mark. Bye. See you.","start_word":9329,"end_word":9390,"sentiment":"positive","sentiment_score":0.558667778968811},{"text":"Bye.","start_word":9391,"end_word":9391,"sentiment":"neutral","sentiment_score":0.2368398755788803}],"average":{"sentiment":"neutral","sentiment_score":0.06528787876921018}}}}