WEBVTT - FRIDAY DRINKS: Update your address!!

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<v Speaker 1>She's on the Money. She's on the Money.

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<v Speaker 2>Hello, and welcome to She's on the Money, the podcast

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<v Speaker 2>for millennials who want financial freedom. Welcome back to another

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<v Speaker 2>one of our Friday Drinks.

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<v Speaker 3>Episodes and as you guys.

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<v Speaker 2>Know, still from Lockdown, where we get to celebrate the

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<v Speaker 2>wins from our She's on the Money community. This week

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<v Speaker 2>in particular, we have had some really good conversations in

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<v Speaker 2>our team Slack group about what you guys have been

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<v Speaker 2>up to and I can't wait to dive into it.

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<v Speaker 2>But before we get there, Tony, what happened on our

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<v Speaker 2>Monday morning money Diary?

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<v Speaker 4>Our money direst this week talked about how she had

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<v Speaker 4>this perfect life at Perfect Life in New Zealand, the boat,

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<v Speaker 4>the house by the water, super happy, and then went

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<v Speaker 4>through a divorce and kind of packed up, paid off

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<v Speaker 4>of a debt and.

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<v Speaker 3>Moved overseas and to Thailand.

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<v Speaker 1>Yeah, moved to Thailand.

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<v Speaker 4>She's teaching over there and she's loving it. And while

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<v Speaker 4>she did say that it hasn't been the perfect you know,

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<v Speaker 4>holiday life with COVID going on and everything, but she's

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<v Speaker 4>loving it and she's making great money and she's like

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<v Speaker 4>still contributing to her Kiwi Saver, which is very cool.

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<v Speaker 2>Very important as well, guys, uh.

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<v Speaker 4>Huh yeah, And it was a really good listen, just

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<v Speaker 4>real eye opening one to kind of you don't really

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<v Speaker 4>understand what's going on behind closed doors. And while someone's

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<v Speaker 4>life might seem so perfect and so easy, it's you know,

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<v Speaker 4>it can be really hard. So there's a great listen

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<v Speaker 4>if you've if you've got a spare halfer, you've got a.

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<v Speaker 3>Spare halfer, you probably should check it out.

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<v Speaker 2>I also really liked that episode, Tony, because I feel

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<v Speaker 2>like we don't often get to see the flip side

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<v Speaker 2>of a relationship. It's always, you know, on She's on

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<v Speaker 2>the money. We've had a number of I guess cheating

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<v Speaker 2>stories where our Money Diarist has been cheated on in

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<v Speaker 2>one way or another, or someone's been unfaithful, and this

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<v Speaker 2>story was the flip, like our Money Diarist was the

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<v Speaker 2>person who cheated on their partner, and I found it

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<v Speaker 2>really eye opening seeing from their point of view of

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<v Speaker 2>what was going on and how that worked. And it

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<v Speaker 2>doesn't normalize it, it doesn't make it okay, but I

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<v Speaker 2>just found it really interesting, maybe because I'm always into

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<v Speaker 2>the pervy stuff, Tony, but just to see from the

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<v Speaker 2>other side, like how did you get there?

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<v Speaker 3>What does that mean?

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<v Speaker 2>Because I think we all say things like I'd never

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<v Speaker 2>x y Z, But up until the point in the

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<v Speaker 2>Money Diary where she said it was actually me. I

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<v Speaker 2>think Tony, you and I were on zoom and we're like, oh,

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<v Speaker 2>he's gonna have cheated on her, Like I could.

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<v Speaker 3>See it coming.

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<v Speaker 2>But then she was like, then I cheated on him,

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<v Speaker 2>and I was like, oh, oh, that's not what I expected.

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<v Speaker 2>And it was just so authentic of her to share

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<v Speaker 2>that and being open and honest about that. I think

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<v Speaker 2>was just really special from our community that she trusted

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<v Speaker 2>us with that story, because it's not often that you

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<v Speaker 2>turn around and be like, oh, hey, jes, I did

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<v Speaker 2>XYZ to my partner, because you would often expect a

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<v Speaker 2>lot of judgment in return. But for her to trust

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<v Speaker 2>us with that story was really special. And I've got

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<v Speaker 2>now nothing but respect for her and her journey and

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<v Speaker 2>what she's doing to like just be who she wants

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<v Speaker 2>to be moving forward. So I think, yeah, it was

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<v Speaker 2>just really special to share that story, and I guess

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<v Speaker 2>learn from it, and that's what we're all about as

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<v Speaker 2>a community, is like learning from each other's mistakes and

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<v Speaker 2>learning from each other's journeys, and I think that's, yeah,

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<v Speaker 2>from my perspective, really special. So moving away from that,

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<v Speaker 2>miss Jessica Rici, what did we do on this Wednesday's episode?

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<v Speaker 5>Well, perhaps in an appropriate follow up from that, we

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<v Speaker 5>spoke about binding financial agreements.

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<v Speaker 3>D how topical.

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<v Speaker 6>I know you may have heard me coming.

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<v Speaker 5>Over for about thirty seconds at the start, but it

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<v Speaker 5>was the best thirty seconds.

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<v Speaker 6>Honestly, guys, just come for that.

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<v Speaker 5>But no, we actually brought an expur in because we

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<v Speaker 5>thought talking about binding financial agreements, obviously there's a lot

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<v Speaker 5>of technicalities. We're talking about actual legally binding documents, and

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<v Speaker 5>it was really important to us to get this right.

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<v Speaker 5>So we brought our really good friend Lucy in.

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<v Speaker 7>And she not my dog. I was just about to say.

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<v Speaker 3>My dog Lucy. For those of you playing along at home.

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<v Speaker 2>Lucy Percy is not a sheeper doodle. She's actually a

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<v Speaker 2>family and a state planning lawyer, which is obviously a

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<v Speaker 2>bit smarter than my dog that can now play dead.

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<v Speaker 3>So yeah, with Lucy if.

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<v Speaker 6>It was a really interesting chat around.

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<v Speaker 5>I guess the concept of a prenup is something we

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<v Speaker 5>see a lot in American culture and TV and rvies.

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<v Speaker 5>It's not well lean up, but it's actually not really

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<v Speaker 5>a thing here. And that's why a binding financial agreement

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<v Speaker 5>is kind of our equivalent.

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<v Speaker 6>It definitely is a little bit different.

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<v Speaker 5>And so Lucy gave us some really great insights into

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<v Speaker 5>what it means when you might want one, what the

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<v Speaker 5>proce is, and all of those really interesting nitty gritty things.

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<v Speaker 2>This is true, and Lucy is a good friend of

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<v Speaker 2>the show. I know that our team have used her personally.

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<v Speaker 2>I send a lot of clients to her. I've sent

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<v Speaker 2>family members to her. I really trust her. So hopefully

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<v Speaker 2>we can get her in on a few more episodes

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<v Speaker 2>to pick her brains. And you know, sounds smarter than

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<v Speaker 2>we actually are.

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<v Speaker 3>So speaking of smarter than us, Ryan.

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<v Speaker 7>What welcome here? I am smarter.

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<v Speaker 2>You're welcome.

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<v Speaker 6>Not where that was going at all.

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<v Speaker 2>That's where I respect it. I respect the opportunity he sees. Hey, Ryan,

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<v Speaker 2>what happened in the community this week?

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<v Speaker 8>Well, last week on Friday Drinks, we talked about getting things,

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<v Speaker 8>getting big things in small cars because VU were saying,

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<v Speaker 8>how you got something from Facebook marketplace?

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<v Speaker 2>Now that was yet oh yeah, yeah, And that was

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<v Speaker 2>really embarrassing in.

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<v Speaker 7>The kitchen and Jess, what did you get into the

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<v Speaker 7>small car?

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<v Speaker 6>And I care couch to the back of the micraft.

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<v Speaker 6>Thank you all right.

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<v Speaker 8>Shout out to Beck Madden who got a great Dane

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<v Speaker 8>into Hyonde gets.

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<v Speaker 7>That's very well done.

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<v Speaker 8>Rhiannon got a queen sized bed from my here into

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<v Speaker 8>her friend's Hyonda Gets.

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<v Speaker 7>Shout out to the high little.

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<v Speaker 2>Sister used to drive a Hyonda Gets. Unfortunately it got

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<v Speaker 2>written off, but she would have had it until the

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<v Speaker 2>day she died. It is a ripper of a little

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<v Speaker 2>car like zips around, so speedy, but also just like practical,

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<v Speaker 2>like guys the boots Spaci, so spacious.

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<v Speaker 8>So spacious, Beck said, I once fit one hundred handbags

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<v Speaker 8>that I collected as donations to Share the Dignity for

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<v Speaker 8>the It's in the Bag campaign. One hundred handbags into

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<v Speaker 8>the back of a Mazda Tu. Well, that's huge And

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<v Speaker 8>can I gu you are.

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<v Speaker 2>Either doing something for Share the Dignity or you're a thief.

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<v Speaker 3>There is between.

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<v Speaker 5>Share the Dignity are an awesome, awesome organization that I

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<v Speaker 5>personally really love and support. If you haven't had them,

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<v Speaker 5>definitely look them up. They're essentially trying to equalize access

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<v Speaker 5>to sanitary products for people who bleed. It's a really

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<v Speaker 5>important thing period. Poverty is actually really prevalent here in Australia,

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<v Speaker 5>which I didn't know before.

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<v Speaker 6>Seeing their work.

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<v Speaker 5>So huge for getting one hundred handbags in the car

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<v Speaker 5>for that alone. Go check out the.

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<v Speaker 8>Instagram and a random one here that was I don't

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<v Speaker 8>know if it's definitely just Which is the passing comment

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<v Speaker 8>from Beck Mackay.

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<v Speaker 7>She said, Literally every week I.

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<v Speaker 8>Think of a cool money win and I'm always like, oh,

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<v Speaker 8>I should totally put it on the thread for next week,

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<v Speaker 8>and then I always forget. And then every Friday I

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<v Speaker 8>hear the episode and go, damn it. I forgot this,

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<v Speaker 8>damn it that could have been me.

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<v Speaker 7>Yep.

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<v Speaker 8>Then I said, oh I, Beck, thanks for commenting, did

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<v Speaker 8>you have one to share this week? And she didn't

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<v Speaker 8>get it in before the time of recording, so her

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<v Speaker 8>bad treat.

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<v Speaker 2>Shout out to Beck, who clearly listens to every Friday.

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<v Speaker 7>Episode Mapye, who right now will be going damn it again.

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<v Speaker 5>But Beck, we read that thread all week long and

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<v Speaker 5>it's up and live all week long, and every Monday

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<v Speaker 5>I close the previous week's thread. So if you think

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<v Speaker 5>of it on a Wednesday, just because it's not Monday

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<v Speaker 5>doesn't mean can't post Love it in, Love it in.

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<v Speaker 2>And it's also really helpful, Jess, because I found myself

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<v Speaker 2>always looking for the thread in the Facebook group, and

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<v Speaker 2>the fact that you now close them means I don't

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<v Speaker 2>get confused over what's live and what's not and where

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<v Speaker 2>should I comment and where shouldn't I.

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<v Speaker 3>It's like you're a genius at community management.

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<v Speaker 6>You're so welcome.

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<v Speaker 7>Thank you.

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<v Speaker 8>So. Veronica bought a at home nail kit that was

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<v Speaker 8>recommended by a friend, and we talk about.

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<v Speaker 7>Cost per wear and cost per use.

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<v Speaker 8>She said, after I use it three times, i'll be ahead,

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<v Speaker 8>and after that I'll save so much money by not

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<v Speaker 8>going to the nail salon every three or four weeks.

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<v Speaker 7>So that is a huge thing.

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<v Speaker 2>Do you know how many messages I get per week

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<v Speaker 2>asking me what nail kit I use? Because I do

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<v Speaker 2>my own nails at home, which you guys would know.

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<v Speaker 2>In fact, i'm doing them right now. But I use

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<v Speaker 2>the Opalac kit from Priceline. Adore it, and it was

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<v Speaker 2>on special when I bought it for fifty bucks, including

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<v Speaker 2>like three colors, top Base and the light, which I

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<v Speaker 2>think is a really good deal, which for me and Jess.

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<v Speaker 2>You know, I don't know Tony, if you've gotten your

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<v Speaker 2>nails done with us in the city pre covid life,

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<v Speaker 2>but it's about fifty bucks to get your nails done

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<v Speaker 2>in the city, so my cost per wear is very

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<v Speaker 2>very low one. But yeah, it's like one time use

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<v Speaker 2>and she's good to go. But it is a bit

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<v Speaker 2>more tricky than people think. It is, like you do

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<v Speaker 2>have to kind of concentrate.

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<v Speaker 7>So not to be glad you're doing that now.

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<v Speaker 2>Yeah, yeah, yeah, I'm just really good at it, guys

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<v Speaker 2>us Jess, I'm really good at it all right.

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<v Speaker 8>Alease in New Zealand. Now, New Zealand has a way

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<v Speaker 8>more simple way of getting your tax done than in Australia.

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<v Speaker 3>It's like actually just better.

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<v Speaker 5>Yeah, so they just do everything better than us.

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<v Speaker 3>The better they do tax better.

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<v Speaker 2>They let you use your KILEI saver for your first

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<v Speaker 2>home or you don't have that option with superannuation. Honestly,

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<v Speaker 2>I think they just they've got better air quality, Like

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<v Speaker 2>what else have they got?

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<v Speaker 8>So Alis said, I was wondering when I should expect

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<v Speaker 8>my money from my tax returns. So I logged into

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<v Speaker 8>the ird account that they have, and she realized she

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<v Speaker 8>hadn't actually received her tax return since twenty eighteen. So

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<v Speaker 8>she contacted them and they said, yep, we just didn't

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<v Speaker 8>have a bank account to send it to. So she

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<v Speaker 8>got the past three years worth of tax returns in

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<v Speaker 8>one hit, in one day.

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<v Speaker 3>It's not a money when I don't know.

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<v Speaker 8>What all, right, Emmy, which this is something that no

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<v Speaker 8>one can relate to.

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<v Speaker 7>Emmy said, I was gonna sold a super yacht.

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<v Speaker 3>No, oh, that's just packer, okay.

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<v Speaker 8>Emmy said, I ordered delivery on Friday, but the restaurant

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<v Speaker 8>didn't have the exact thing that I wanted, So instead

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<v Speaker 8>of getting something else, I saved twenty one dollars by

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<v Speaker 8>not ordering it and just eating what I had in

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<v Speaker 8>my fridge.

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<v Speaker 7>A good job.

0:10:46.880 --> 0:10:49.640
<v Speaker 2>Something else that I didn't actually want to eat, but

0:10:49.760 --> 0:10:51.960
<v Speaker 2>it would have been defiance and not wanting to cook.

0:10:53.240 --> 0:10:57.000
<v Speaker 8>Christie said, five years ago, I bought a horse float

0:10:57.160 --> 0:11:00.559
<v Speaker 8>like you know, the trailer also, but.

0:11:00.559 --> 0:11:05.240
<v Speaker 7>Okay, for sixteen thousand dollars it cost for the trailer.

0:11:05.000 --> 0:11:06.960
<v Speaker 2>Sixteen sorry, could you just repeat that?

0:11:07.280 --> 0:11:09.240
<v Speaker 7>Sixteen thousand? She bought it for so.

0:11:09.360 --> 0:11:12.160
<v Speaker 3>Much money for five not even self driving.

0:11:12.480 --> 0:11:14.720
<v Speaker 7>Yeah, I know you'd want it to drive itself for that.

0:11:14.760 --> 0:11:15.679
<v Speaker 3>Does it come with the horse?

0:11:16.000 --> 0:11:17.760
<v Speaker 2>Is it like when you go to the toy shop

0:11:17.800 --> 0:11:20.280
<v Speaker 2>and you pick up a Barbie horse trailer and it

0:11:20.280 --> 0:11:21.840
<v Speaker 2>comes with the horses and the Barbie and all of

0:11:21.840 --> 0:11:22.520
<v Speaker 2>the accessories.

0:11:22.600 --> 0:11:23.680
<v Speaker 3>Or is it just the trailer.

0:11:23.920 --> 0:11:25.920
<v Speaker 8>I'd be asking for those things, but it is just

0:11:26.000 --> 0:11:30.480
<v Speaker 8>the trailer. Sixteen thousand dollars five years ago. She sold

0:11:30.480 --> 0:11:34.200
<v Speaker 8>it yesterday for sixteen thousand dollars.

0:11:34.320 --> 0:11:39.079
<v Speaker 2>Five years later Legend borrowed it for free.

0:11:38.720 --> 0:11:39.680
<v Speaker 3>For those years.

0:11:40.040 --> 0:11:40.280
<v Speaker 7>Yep.

0:11:40.840 --> 0:11:43.400
<v Speaker 8>Steph Grace finished second in her footy tips at work

0:11:43.400 --> 0:11:44.480
<v Speaker 8>one hundred and fifty bucks.

0:11:44.520 --> 0:11:46.760
<v Speaker 7>Thank you very much coming you could.

0:11:46.640 --> 0:11:47.840
<v Speaker 3>You give me your hot tips.

0:11:47.880 --> 0:11:52.560
<v Speaker 2>I'm terrible at footy tips, honestly forgetting about them.

0:11:52.760 --> 0:11:56.240
<v Speaker 8>Alie Stewart said, I needed some trackies because mine were

0:11:56.240 --> 0:11:58.880
<v Speaker 8>falling apart, and we're all working from home wearing trackies

0:11:58.920 --> 0:12:00.959
<v Speaker 8>all day. So I think gave and can understand that.

0:12:01.400 --> 0:12:04.480
<v Speaker 8>Ali said, found two nice pairs from Bonds and Bonds

0:12:04.480 --> 0:12:06.160
<v Speaker 8>trackies are like stock, but.

0:12:06.120 --> 0:12:08.800
<v Speaker 7>They're like get the job done. We're they're real fancy.

0:12:08.800 --> 0:12:12.760
<v Speaker 8>Recommended retail price sixty five dollars, but they were on

0:12:12.920 --> 0:12:16.959
<v Speaker 8>sale for nineteen dollars and if you sign up with

0:12:17.000 --> 0:12:18.840
<v Speaker 8>an account you get free shipping, and she got a

0:12:18.880 --> 0:12:22.120
<v Speaker 8>ten dollar birthday voucher, which means overall she saved over

0:12:22.160 --> 0:12:24.400
<v Speaker 8>one hundred bucks on a couple of pairs of nice

0:12:24.440 --> 0:12:27.160
<v Speaker 8>fancy Trackie. So well, that is a fifty percent of

0:12:27.320 --> 0:12:30.880
<v Speaker 8>per pare well, good work, Ali, and I respect getting

0:12:30.880 --> 0:12:33.200
<v Speaker 8>you track he is as someone who's literally sitting at

0:12:33.280 --> 0:12:37.520
<v Speaker 8>my kitchen table now wearing the Danger's track ones.

0:12:37.400 --> 0:12:39.079
<v Speaker 3>Are the most comfortable ones.

0:12:38.880 --> 0:12:41.959
<v Speaker 8>Frying in Well, I'm inspired by Alie nonetheless, so thank

0:12:42.000 --> 0:12:42.600
<v Speaker 8>you very much.

0:12:48.840 --> 0:12:51.839
<v Speaker 2>All Right, we are back and I have a piece

0:12:51.880 --> 0:12:54.120
<v Speaker 2>of content for you guys that I would love to

0:12:54.200 --> 0:12:57.280
<v Speaker 2>share because I think it plays really well into my

0:12:57.440 --> 0:13:00.680
<v Speaker 2>money loss of the week orbe at Mine's complay my fault,

0:13:00.679 --> 0:13:03.040
<v Speaker 2>whereas this story is actually not their fault.

0:13:03.200 --> 0:13:04.360
<v Speaker 3>It's just really bad.

0:13:04.760 --> 0:13:07.720
<v Speaker 2>But I was reading this week in the news that

0:13:07.800 --> 0:13:10.720
<v Speaker 2>there is a very bizarre reason of New South Wales

0:13:10.760 --> 0:13:14.120
<v Speaker 2>couple keep getting incorrect penalty notices. Can any of you

0:13:14.200 --> 0:13:18.040
<v Speaker 2>guys like guess why they might keep getting fines in

0:13:18.080 --> 0:13:20.880
<v Speaker 2>the mail that aren't actually meant for them.

0:13:21.679 --> 0:13:23.240
<v Speaker 6>Someone didn't update their address.

0:13:23.559 --> 0:13:26.000
<v Speaker 3>Yeah, their address, definitely, you reckon.

0:13:26.559 --> 0:13:30.360
<v Speaker 2>It's actually because the fine system in New South Wales

0:13:30.760 --> 0:13:34.320
<v Speaker 2>can't tell the difference on their toll roads between zero

0:13:34.480 --> 0:13:37.960
<v Speaker 2>and the letter O, so.

0:13:36.960 --> 0:13:38.880
<v Speaker 6>So it seems like it would be a problem.

0:13:39.200 --> 0:13:43.160
<v Speaker 2>It is, but since twenty eighteen they have been getting

0:13:43.360 --> 0:13:47.920
<v Speaker 2>fines for other people's cars in their name, which I

0:13:47.960 --> 0:13:52.880
<v Speaker 2>think is absolutely ridiculous and obviously wildly unnecessary. But apparently

0:13:52.920 --> 0:13:56.200
<v Speaker 2>they keep getting chased up on it. And apparently it's

0:13:56.240 --> 0:13:58.839
<v Speaker 2>not even a car. It's a little scooter so it's

0:13:58.880 --> 0:14:01.280
<v Speaker 2>even smaller, which I think it's very cute, but at

0:14:01.320 --> 0:14:02.880
<v Speaker 2>the same time that's so nice.

0:14:02.920 --> 0:14:04.040
<v Speaker 3>I'd start to get.

0:14:03.880 --> 0:14:06.320
<v Speaker 2>Really frustrated if I was getting fine sent to me

0:14:06.600 --> 0:14:09.000
<v Speaker 2>that I know I didn't actually incur.

0:14:09.559 --> 0:14:11.240
<v Speaker 8>It'll be one of those ones where you would call

0:14:11.280 --> 0:14:13.200
<v Speaker 8>them up and they'd be like, oh, sorry, it's just

0:14:13.200 --> 0:14:16.319
<v Speaker 8>because the and you're like, I know, why just stops.

0:14:16.000 --> 0:14:17.839
<v Speaker 7>Saying something from happening, and they're like, oh, it's just

0:14:17.880 --> 0:14:19.640
<v Speaker 7>a glitch in the system. Sorry, and you're like, well,

0:14:20.120 --> 0:14:20.960
<v Speaker 7>just do something.

0:14:22.120 --> 0:14:24.400
<v Speaker 5>But think about how many number plates you see that

0:14:24.520 --> 0:14:26.960
<v Speaker 5>have a zero in them, Like, are you telling me

0:14:27.000 --> 0:14:29.800
<v Speaker 5>that every single time one of those cars goes through,

0:14:30.040 --> 0:14:33.880
<v Speaker 5>like surely that is a problem that someone should be fixing.

0:14:34.360 --> 0:14:36.600
<v Speaker 2>Yeah, and do you know what's more frustrating about this?

0:14:36.760 --> 0:14:39.760
<v Speaker 2>Or I would find it frustrating, like obviously they're not

0:14:39.880 --> 0:14:42.320
<v Speaker 2>paying these because they're not their fines, but they have

0:14:42.400 --> 0:14:44.760
<v Speaker 2>to go through the whole toll process and we all

0:14:44.800 --> 0:14:46.560
<v Speaker 2>know if we get a fine, to go through the

0:14:46.600 --> 0:14:49.200
<v Speaker 2>dispute process is like pulling teeth and trying to get

0:14:49.240 --> 0:14:51.480
<v Speaker 2>through their call center is a nightmare. And then you

0:14:51.560 --> 0:14:53.760
<v Speaker 2>have to submit your claim online. Yes, it's like that

0:14:53.880 --> 0:14:56.560
<v Speaker 2>time that you had to ride into the parking place

0:14:56.600 --> 0:14:59.880
<v Speaker 2>to get your money back, like it's unnecessary, life admin.

0:15:00.360 --> 0:15:04.000
<v Speaker 2>But guys, a, the fines they've ranged between eleven and fourteen.

0:15:03.640 --> 0:15:07.040
<v Speaker 5>Dollars, so they're not even what but you know what

0:15:07.120 --> 0:15:10.080
<v Speaker 5>the problem is if they don't pay there, if it's

0:15:10.120 --> 0:15:15.160
<v Speaker 5>anything like Victoria, not speaking from experience, but if you

0:15:15.240 --> 0:15:18.640
<v Speaker 5>don't pay like a tollvine, that's literally like twenty bucks

0:15:18.880 --> 0:15:21.680
<v Speaker 5>if you if it keeps like coming, and if you've

0:15:21.680 --> 0:15:24.880
<v Speaker 5>maybe moved addresses and weren't getting the letters for example,

0:15:26.280 --> 0:15:28.880
<v Speaker 5>it goes to like the police and it's an automatic

0:15:28.920 --> 0:15:29.960
<v Speaker 5>five hundred dollar fine.

0:15:30.480 --> 0:15:33.680
<v Speaker 2>It's so much money, like a twenty so much money

0:15:33.760 --> 0:15:35.920
<v Speaker 2>and as attorning, you guys are going to be shook

0:15:35.920 --> 0:15:38.360
<v Speaker 2>about this as well. I mean it kind of makes

0:15:38.400 --> 0:15:42.080
<v Speaker 2>sense because we all know that the administration fees often

0:15:42.160 --> 0:15:46.240
<v Speaker 2>outweigh the actual fine. But the actual fines about three dollars,

0:15:46.320 --> 0:15:48.600
<v Speaker 2>and then the admin fee that they're being charged on.

0:15:48.600 --> 0:15:50.240
<v Speaker 3>Top of that was ten dollars.

0:15:50.680 --> 0:15:52.680
<v Speaker 2>But that just kind of seems like a lie to

0:15:52.720 --> 0:15:55.120
<v Speaker 2>me because I can't see a toll road in Victoria

0:15:55.160 --> 0:15:57.840
<v Speaker 2>that's less than fifteen dollars to travel on. So what

0:15:57.880 --> 0:15:59.680
<v Speaker 2>do you mean you got three dollars toll road New

0:15:59.680 --> 0:16:00.400
<v Speaker 2>South Wales.

0:16:00.840 --> 0:16:03.040
<v Speaker 5>Yeah, that's actually crazy, is it? Because it's a scooter

0:16:03.240 --> 0:16:06.760
<v Speaker 5>like smaller vehicles smaller that's a good paint.

0:16:07.120 --> 0:16:07.560
<v Speaker 2>I don't know.

0:16:07.680 --> 0:16:08.720
<v Speaker 3>Should I get a scooter?

0:16:08.800 --> 0:16:10.680
<v Speaker 2>Am I going to save a whole heap of money

0:16:10.720 --> 0:16:11.720
<v Speaker 2>on toll roads?

0:16:11.960 --> 0:16:14.680
<v Speaker 6>Put Lucy in the front basket and.

0:16:15.200 --> 0:16:18.360
<v Speaker 2>One of those scooters with the side cars and I'd

0:16:18.360 --> 0:16:20.520
<v Speaker 2>be like, it's money, win guys and saving money on

0:16:20.600 --> 0:16:21.160
<v Speaker 2>the tolls.

0:16:21.800 --> 0:16:24.480
<v Speaker 4>Or imagine like going to Kohle's and putting like your

0:16:24.560 --> 0:16:26.880
<v Speaker 4>Enviro bags like on the handles of a scooter and

0:16:26.960 --> 0:16:29.400
<v Speaker 4>just like yeating yourself down free.

0:16:31.280 --> 0:16:31.440
<v Speaker 5>No.

0:16:31.680 --> 0:16:35.560
<v Speaker 2>Well, as I said before, guys, this actually segues, which

0:16:35.600 --> 0:16:40.040
<v Speaker 2>is like maybe this weird kind of scooter sending ways

0:16:40.080 --> 0:16:48.120
<v Speaker 2>into my money confession of the week. And well, so recently,

0:16:48.160 --> 0:16:49.920
<v Speaker 2>you guys know, I bought a new car, which is

0:16:50.000 --> 0:16:54.520
<v Speaker 2>very exciting, and we've also been in lockdown. So I've

0:16:54.560 --> 0:16:56.800
<v Speaker 2>been home and there's been a few times I've had

0:16:56.840 --> 0:16:59.680
<v Speaker 2>to drive places, you know, in between lockdowns since I

0:16:59.760 --> 0:17:01.600
<v Speaker 2>got my car, because I've had it for a few

0:17:01.600 --> 0:17:04.360
<v Speaker 2>months now, so she's she's doing well. Just for those

0:17:04.400 --> 0:17:07.119
<v Speaker 2>of you wanting to know. And because I've registered my

0:17:07.240 --> 0:17:11.240
<v Speaker 2>car in the business, any potential fines actually being sent

0:17:11.320 --> 0:17:13.520
<v Speaker 2>to the office and because we're lockdown, I'm not going

0:17:13.600 --> 0:17:15.760
<v Speaker 2>to get them at the moment. And it turns out

0:17:15.800 --> 0:17:19.119
<v Speaker 2>I completely forgot to register my new number plate with

0:17:19.480 --> 0:17:22.840
<v Speaker 2>the toll roads here in Victoria. So not only have

0:17:22.920 --> 0:17:24.960
<v Speaker 2>I incurred tolls that I have to pay, which is

0:17:24.960 --> 0:17:26.919
<v Speaker 2>fine and fair, and I kind of saw those coming

0:17:27.240 --> 0:17:29.480
<v Speaker 2>because the male's been going to the office and I

0:17:29.520 --> 0:17:31.800
<v Speaker 2>haven't been that prompt in getting it. I now have

0:17:31.960 --> 0:17:33.360
<v Speaker 2>penalties on top.

0:17:33.160 --> 0:17:37.000
<v Speaker 7>Of those more than the actual Yeah they are.

0:17:38.440 --> 0:17:39.520
<v Speaker 4>How much are we talking?

0:17:40.119 --> 0:17:41.479
<v Speaker 3>It's a couple of hundred dollars.

0:17:41.920 --> 0:17:44.840
<v Speaker 2>Yeah, yeah, I've actually got to add them together because

0:17:44.840 --> 0:17:45.720
<v Speaker 2>there's more than one.

0:17:46.480 --> 0:17:47.960
<v Speaker 3>But that's all right, we'll get there.

0:17:48.920 --> 0:17:53.119
<v Speaker 2>But yeah, that's me being really unorganized, but also bitten

0:17:53.119 --> 0:17:55.320
<v Speaker 2>in the bottom by the toll roads in Victoria, which

0:17:55.920 --> 0:17:59.000
<v Speaker 2>is again probably my own fault, because Tony, you know

0:17:59.040 --> 0:18:01.919
<v Speaker 2>where I live, I easily could drive not on the

0:18:01.920 --> 0:18:05.160
<v Speaker 2>tolls on the top.

0:18:05.240 --> 0:18:08.120
<v Speaker 7>Get I hope getting there eighty seconds earlier was worth it.

0:18:10.160 --> 0:18:13.159
<v Speaker 2>That's all I'm gaining as well, Ryan. So what have

0:18:13.280 --> 0:18:15.400
<v Speaker 2>you got, Ryan to share with us? A money win

0:18:15.520 --> 0:18:17.440
<v Speaker 2>or a confession? What are you putting on the table

0:18:17.520 --> 0:18:18.040
<v Speaker 2>this week?

0:18:18.200 --> 0:18:20.480
<v Speaker 8>I've got I'm going to call it a money win.

0:18:20.760 --> 0:18:26.000
<v Speaker 8>I am recording from home today and not the Kiss Studios,

0:18:26.000 --> 0:18:28.359
<v Speaker 8>the radio station where I work at, because everyone at

0:18:28.440 --> 0:18:33.000
<v Speaker 8>Kiss has been given too free annual leave, not annually

0:18:33.040 --> 0:18:37.240
<v Speaker 8>leave like mental health and how I've seen some companies

0:18:37.240 --> 0:18:39.480
<v Speaker 8>they're like, oh, the whole company's having a day off,

0:18:39.560 --> 0:18:41.320
<v Speaker 8>or they we're having a lot week shutdown. So we

0:18:41.440 --> 0:18:45.000
<v Speaker 8>got a few days to use in September whenever we wanted,

0:18:45.000 --> 0:18:46.719
<v Speaker 8>So it wasn't like a whole company on a certain day.

0:18:46.760 --> 0:18:48.840
<v Speaker 8>They just use them whenever you want, and I thought, well,

0:18:48.840 --> 0:18:51.879
<v Speaker 8>with the long weekend coming up in Melbourne for the

0:18:51.880 --> 0:18:55.320
<v Speaker 8>Grand Final, I thought i'd stack them together, so very nut.

0:18:55.480 --> 0:18:57.159
<v Speaker 8>It's not money in my pocket, but it's a bit

0:18:57.160 --> 0:18:59.720
<v Speaker 8>of a break without using up my annual leave.

0:19:00.119 --> 0:19:02.000
<v Speaker 7>That makes sense. So I think that was a win.

0:19:02.040 --> 0:19:05.240
<v Speaker 8>And obviously pretty stoked with the company when that email

0:19:05.280 --> 0:19:06.960
<v Speaker 8>came out and I was just like, yep, just let

0:19:07.000 --> 0:19:08.400
<v Speaker 8>you manage, you know, and take the day off.

0:19:08.400 --> 0:19:10.800
<v Speaker 7>And I was like, see you later.

0:19:10.920 --> 0:19:14.359
<v Speaker 2>Yeah, that's actually really kind of them, which I super appreciate.

0:19:14.480 --> 0:19:17.800
<v Speaker 3>But I love kiss Obviously we have a lot to

0:19:17.840 --> 0:19:19.400
<v Speaker 3>do with them. But I do have a question.

0:19:19.840 --> 0:19:23.000
<v Speaker 2>Isn't taking a mental health day part of your sick

0:19:23.119 --> 0:19:24.000
<v Speaker 2>leave anyway?

0:19:24.160 --> 0:19:25.600
<v Speaker 7>Like shouldn't get mental health?

0:19:25.640 --> 0:19:26.480
<v Speaker 3>Is just you neat them.

0:19:27.080 --> 0:19:28.440
<v Speaker 7>It's not called a mental health day.

0:19:28.440 --> 0:19:31.639
<v Speaker 8>It just said everyone's busy and whatnot, and so you

0:19:31.680 --> 0:19:33.800
<v Speaker 8>just get a day off like a bonus day.

0:19:33.960 --> 0:19:36.480
<v Speaker 2>Okay, not like a mental health day, just like bonus leaf,

0:19:36.640 --> 0:19:37.680
<v Speaker 2>which is kind of nice.

0:19:37.840 --> 0:19:41.200
<v Speaker 8>Yeah, you know, it can be working from home and

0:19:41.520 --> 0:19:44.639
<v Speaker 8>you know, zoom burnout and people are sitting Oh that's real.

0:19:44.760 --> 0:19:47.240
<v Speaker 2>I don't think people talk enough about that, but Zoom

0:19:47.280 --> 0:19:50.080
<v Speaker 2>burnout and just burn out during this period of time

0:19:50.280 --> 0:19:53.640
<v Speaker 2>is so real, and it's so exhausting as well, because

0:19:53.640 --> 0:19:56.680
<v Speaker 2>you're like, I shouldn't be tired, like literally haven't left

0:19:56.720 --> 0:19:58.800
<v Speaker 2>in my house, but I feel like I'm lacking a

0:19:58.800 --> 0:19:59.520
<v Speaker 2>lot of sleep.

0:20:00.200 --> 0:20:02.000
<v Speaker 3>So if you need it, take it.

0:20:02.240 --> 0:20:05.359
<v Speaker 2>But I guess that's also a nice bonus for you, Ryan,

0:20:05.440 --> 0:20:08.119
<v Speaker 2>but also a little bit of permission to our community

0:20:08.160 --> 0:20:10.560
<v Speaker 2>that if you haven't taken a mental health day, you

0:20:10.640 --> 0:20:13.000
<v Speaker 2>are more than welcome to take mental health care days

0:20:13.160 --> 0:20:13.879
<v Speaker 2>under your.

0:20:13.840 --> 0:20:14.960
<v Speaker 3>Actual sick leave.

0:20:15.359 --> 0:20:20.399
<v Speaker 8>Absolutely, you don't need to be physically ill to be sick.

0:20:20.840 --> 0:20:22.680
<v Speaker 7>Said, Yeah, sure, that's what I care for.

0:20:23.119 --> 0:20:25.720
<v Speaker 2>Use it, and I feel like it actually makes you

0:20:25.800 --> 0:20:28.960
<v Speaker 2>a more productive employee. Like Ryan, these additional days off,

0:20:29.080 --> 0:20:31.240
<v Speaker 2>like you're going to return to work feeling far more

0:20:31.400 --> 0:20:34.160
<v Speaker 2>energized and like back in it because you've had enough

0:20:34.200 --> 0:20:36.240
<v Speaker 2>time to like rest and restore and.

0:20:36.119 --> 0:20:38.080
<v Speaker 3>Like actually just get it together.

0:20:38.320 --> 0:20:40.639
<v Speaker 2>Whereas if you just don't take those days off, the

0:20:40.680 --> 0:20:43.520
<v Speaker 2>burnout is so bad, like lasts for ages.

0:20:43.760 --> 0:20:46.520
<v Speaker 8>But yeah, just taking a day to get better is

0:20:46.560 --> 0:20:49.240
<v Speaker 8>actually better for not just you, but the the business.

0:20:49.240 --> 0:20:51.680
<v Speaker 8>They'd rather have a healthy and productive in three days time.

0:20:51.720 --> 0:20:53.720
<v Speaker 8>Then don't tell my stuff that let's be fine.

0:20:54.040 --> 0:20:58.639
<v Speaker 2>Yeah, all right, So Tony or Jess, who's going next?

0:21:00.040 --> 0:21:02.359
<v Speaker 4>I can go next because I don't have a money

0:21:02.359 --> 0:21:04.239
<v Speaker 4>win or a confession.

0:21:03.880 --> 0:21:06.640
<v Speaker 2>Cool which my contributing don't.

0:21:06.440 --> 0:21:09.760
<v Speaker 4>Need my money win because I'm not spending any money

0:21:09.800 --> 0:21:10.399
<v Speaker 4>at the moment.

0:21:10.760 --> 0:21:13.080
<v Speaker 3>I've got nothing to contribute. And that's actually a win.

0:21:13.320 --> 0:21:17.200
<v Speaker 4>I love that because we're at home still and I've

0:21:17.440 --> 0:21:20.640
<v Speaker 4>you know, been taking it really easy on online shopping,

0:21:20.680 --> 0:21:22.959
<v Speaker 4>and we haven't really been you know, ordering lots of

0:21:23.000 --> 0:21:26.240
<v Speaker 4>food or doing anything fun. So I feel like my

0:21:26.320 --> 0:21:30.520
<v Speaker 4>win is that I'm I've broken even I really like that.

0:21:30.760 --> 0:21:31.640
<v Speaker 3>I think that's really good.

0:21:31.680 --> 0:21:33.560
<v Speaker 2>I have a question, Tony, do you reckon that's a

0:21:33.680 --> 0:21:37.639
<v Speaker 2>lead on from your accountability August like reset, because like

0:21:37.680 --> 0:21:39.240
<v Speaker 2>you were like, no, I'm not going to do any

0:21:39.280 --> 0:21:42.320
<v Speaker 2>discretionary spending, like no online shopping, and it was like

0:21:42.359 --> 0:21:45.320
<v Speaker 2>this like hard and fast rule for you. Now you're like, oh,

0:21:45.359 --> 0:21:47.520
<v Speaker 2>I'm just not doing any Do you think you changed

0:21:47.520 --> 0:21:48.400
<v Speaker 2>your habits?

0:21:48.680 --> 0:21:51.560
<v Speaker 4>I think it's definitely part of it, because I've done

0:21:51.720 --> 0:21:56.199
<v Speaker 4>less scrolling and less adding to cart, and things just

0:21:56.320 --> 0:21:58.480
<v Speaker 4>don't seem to be adding up the way that they did.

0:21:58.880 --> 0:22:01.120
<v Speaker 4>I think as well. You guys were just saying about

0:22:01.160 --> 0:22:03.960
<v Speaker 4>the zoom burnout. I think even to shop on my

0:22:04.040 --> 0:22:06.840
<v Speaker 4>phone or on my computer after work. I just don't

0:22:06.880 --> 0:22:08.800
<v Speaker 4>even want to sit at my computer at all. I

0:22:08.800 --> 0:22:10.560
<v Speaker 4>don't want to listen to anything. I don't want to

0:22:10.600 --> 0:22:14.399
<v Speaker 4>see anything like I've been reading on the weekend lately,

0:22:14.960 --> 0:22:18.120
<v Speaker 4>watching the TV like I'm just sick of looking at screens.

0:22:18.119 --> 0:22:20.600
<v Speaker 4>So maybe that's part of it. Maybe the zoom burnout

0:22:20.640 --> 0:22:22.679
<v Speaker 4>is good because I'm spending less fun.

0:22:24.240 --> 0:22:26.400
<v Speaker 2>Money win money when I'm burnt out.

0:22:26.440 --> 0:22:29.000
<v Speaker 4>Guys, do you have a money win Jess?

0:22:29.200 --> 0:22:30.520
<v Speaker 6>I have so.

0:22:30.640 --> 0:22:32.480
<v Speaker 5>Last week I had what was meant to be a

0:22:32.520 --> 0:22:34.560
<v Speaker 5>win and turned into a loss. This week I have

0:22:34.880 --> 0:22:36.960
<v Speaker 5>what was kind of a loss but also sort of

0:22:36.960 --> 0:22:37.920
<v Speaker 5>turned into a win.

0:22:39.040 --> 0:22:42.120
<v Speaker 2>I'm really all clutching its straws a little bit.

0:22:42.920 --> 0:22:45.760
<v Speaker 5>So the start of this week, I woke up one

0:22:45.760 --> 0:22:47.440
<v Speaker 5>morning to discover my boyfriend.

0:22:47.080 --> 0:22:52.040
<v Speaker 6>Had done the laundry. Gat Yeah, you would think so.

0:22:53.960 --> 0:22:58.919
<v Speaker 5>Upon further inspection, I discovered that he had washed a

0:22:59.000 --> 0:23:02.440
<v Speaker 5>jumper of mine and Victoria, this was actually a gift

0:23:02.480 --> 0:23:06.920
<v Speaker 5>that you gave me. It's a Mowhir jumper, No. One

0:23:06.960 --> 0:23:10.359
<v Speaker 5>of the yellow one the yellow one you guys know

0:23:10.400 --> 0:23:12.000
<v Speaker 5>that I wear all the time. It's one of the

0:23:12.119 --> 0:23:14.520
<v Speaker 5>nicest things that I own. It's like a two hundred

0:23:14.560 --> 0:23:15.200
<v Speaker 5>dollars jumper.

0:23:15.400 --> 0:23:16.240
<v Speaker 7>O honey.

0:23:17.080 --> 0:23:19.520
<v Speaker 5>He put it through the wash on like regular cycle

0:23:19.720 --> 0:23:21.840
<v Speaker 5>and it now looks like it's made for a six

0:23:21.960 --> 0:23:22.359
<v Speaker 5>year old.

0:23:22.480 --> 0:23:24.719
<v Speaker 2>Okay, all right, right, all right, So we can recover

0:23:24.800 --> 0:23:27.560
<v Speaker 2>from this. We can recover from this. Go get a

0:23:27.600 --> 0:23:29.960
<v Speaker 2>bucket of cold water or like a tub of cold

0:23:30.000 --> 0:23:32.199
<v Speaker 2>water and put a whole heap of conditioner in it

0:23:32.240 --> 0:23:34.520
<v Speaker 2>and let it soak. And then what you're going to

0:23:34.600 --> 0:23:36.879
<v Speaker 2>do is like ring it out gently, put it on

0:23:36.960 --> 0:23:39.440
<v Speaker 2>top of a towel and start stretching it out. Because

0:23:39.480 --> 0:23:42.400
<v Speaker 2>the conditioner, because it's like a natural fiber in its

0:23:42.440 --> 0:23:44.960
<v Speaker 2>mow hair, it's going to start stretched like it's going

0:23:45.040 --> 0:23:47.159
<v Speaker 2>to lose the stress in the fiber and it's going

0:23:47.200 --> 0:23:48.240
<v Speaker 2>to stretch back out.

0:23:48.040 --> 0:23:50.000
<v Speaker 3>Over a period of time. So you are welcome.

0:23:50.119 --> 0:23:52.159
<v Speaker 2>This could become a really good money win for not

0:23:52.200 --> 0:23:55.200
<v Speaker 2>only you, but other people who have maybe shrunk. They're

0:23:55.560 --> 0:23:57.639
<v Speaker 2>very nice jumpers in the washing machine.

0:23:57.840 --> 0:23:59.520
<v Speaker 7>So this is a win that became a last that's

0:23:59.520 --> 0:23:59.879
<v Speaker 7>now a win.

0:24:00.160 --> 0:24:03.520
<v Speaker 2>It's actually hot tip from my mum, so shout out

0:24:03.520 --> 0:24:06.640
<v Speaker 2>to Judy. She usually knows everything about everything, if I'm

0:24:06.680 --> 0:24:10.280
<v Speaker 2>being honest, the more you know, yeah, you're wellcare.

0:24:10.320 --> 0:24:11.680
<v Speaker 6>I was going to tell a second half that story,

0:24:11.720 --> 0:24:12.880
<v Speaker 6>but it doesn't really make sense.

0:24:12.680 --> 0:24:15.400
<v Speaker 2>Now She's like, well, I actually it was made for toddlers,

0:24:15.400 --> 0:24:16.720
<v Speaker 2>so I sold it on Deep Pop.

0:24:17.160 --> 0:24:18.160
<v Speaker 3>No toddler.

0:24:18.880 --> 0:24:23.400
<v Speaker 5>I stormed into the study holding the jumper like the

0:24:23.440 --> 0:24:25.080
<v Speaker 5>evidence of crime.

0:24:27.480 --> 0:24:31.640
<v Speaker 3>Jumper and obviously read the care label jets.

0:24:31.800 --> 0:24:34.239
<v Speaker 6>No, not at all. I don't think he even knows

0:24:34.280 --> 0:24:36.439
<v Speaker 6>that they exist, but so obviously.

0:24:36.520 --> 0:24:39.399
<v Speaker 5>He was very apologetic and immediately promised to purchase a

0:24:39.400 --> 0:24:42.879
<v Speaker 5>new one.

0:24:41.000 --> 0:24:43.359
<v Speaker 3>Out you can fix it.

0:24:43.359 --> 0:24:45.000
<v Speaker 5>It did come out a little while ago, so they

0:24:45.000 --> 0:24:46.359
<v Speaker 5>didn't even know if you'd still be able to get it,

0:24:46.359 --> 0:24:48.840
<v Speaker 5>but he jumped on the website and turns out they're

0:24:48.880 --> 0:24:54.080
<v Speaker 5>currently on sale for seventy dollars, so he replaced it

0:24:54.640 --> 0:24:57.720
<v Speaker 5>for obviously a lot less than it was purchased four

0:24:57.760 --> 0:24:59.760
<v Speaker 5>which is a win, but a loss, but a win,

0:25:00.359 --> 0:25:02.760
<v Speaker 5>you know. But now you'll have too, Well if I

0:25:02.800 --> 0:25:05.480
<v Speaker 5>fix the other one, yeah.

0:25:04.880 --> 0:25:06.439
<v Speaker 4>Oh my god, yess, you know what you should do?

0:25:07.520 --> 0:25:09.639
<v Speaker 4>Fix it then sell for two hundred dollars and you

0:25:09.720 --> 0:25:11.440
<v Speaker 4>never bought it in the first place. It was a gift,

0:25:11.640 --> 0:25:14.679
<v Speaker 4>So you've really come out on top here. You're gonna

0:25:14.720 --> 0:25:15.439
<v Speaker 4>make money.

0:25:15.800 --> 0:25:17.160
<v Speaker 6>This is a money win, win, win win.

0:25:18.240 --> 0:25:20.359
<v Speaker 3>I can't wait to hear the update next week.

0:25:20.480 --> 0:25:23.240
<v Speaker 6>I'm going to try the softener thing that Victoria suggested.

0:25:23.359 --> 0:25:25.360
<v Speaker 6>I did not know that. I'm very excited to see.

0:25:25.440 --> 0:25:27.800
<v Speaker 2>So for more money hacks, tips and tricks and all

0:25:27.840 --> 0:25:31.080
<v Speaker 2>your laundry needs, tune in next week to She's on

0:25:31.200 --> 0:25:33.800
<v Speaker 2>the Money. But as always, guys, I think that's all

0:25:33.840 --> 0:25:35.879
<v Speaker 2>we have time for today. But just before we are

0:25:35.920 --> 0:25:38.280
<v Speaker 2>head off, we'd like to acknowledge and pay our respects

0:25:38.320 --> 0:25:42.040
<v Speaker 2>to Australia's Aboriginal and torrest Right Islander people's. They're the

0:25:42.080 --> 0:25:45.520
<v Speaker 2>traditional custodians of the lands, the waterways and the skies

0:25:45.640 --> 0:25:48.840
<v Speaker 2>all across Australia. We thank you for sharing and for

0:25:48.960 --> 0:25:50.639
<v Speaker 2>caring for the land on which we.

0:25:50.560 --> 0:25:51.520
<v Speaker 3>Are able to learn.

0:25:51.840 --> 0:25:54.280
<v Speaker 2>We pay our respects to elders past and present, and

0:25:54.320 --> 0:25:56.480
<v Speaker 2>we share our friendship and our kindness.

0:25:56.520 --> 0:25:58.840
<v Speaker 4>The advice shared on Cheese on the Money is generally

0:25:58.960 --> 0:26:02.320
<v Speaker 4>nature and does not con your individual circumstances. She's on

0:26:02.400 --> 0:26:05.359
<v Speaker 4>the Money exists purely for educational purposes and should not

0:26:05.400 --> 0:26:08.240
<v Speaker 4>be relied upon to make an investment or financial decision,

0:26:08.640 --> 0:26:11.840
<v Speaker 4>and we promise. Victoria Divine is an authorized representative of

0:26:11.840 --> 0:26:15.840
<v Speaker 4>Australia Pacific Funds Management Proprietary Limited ABM three four one

0:26:15.880 --> 0:26:19.000
<v Speaker 4>three two four six three two five seven AFSL three

0:26:19.040 --> 0:26:20.399
<v Speaker 4>three nine one five one.

0:26:20.600 --> 0:26:28.160
<v Speaker 2>See you next week, guys,