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I just had you booked in for a quick catch up about some advice updates. Do you have a bit of time for me still? Fantastic. So I've got some previous advice documents open with me that we can kind of run over together. And just before I jump into it, Shane, I just wanna check security with you if that's okay. Cool. So just to let you know the call is recorded. And if I could please confirm your date of birth and address. Address. Sensational. And I'm registered with Asic as adviser 1273105. Mate, main reason for the call this morning is some advice that Carl went through with you a bit earlier in the year has expired. And so, basically, what I wanted to do was just run through what he was recommending at the time, your circumstances it was based on, see if there's been any significant changes, if you're still comfortable with those ideas, or if we have to kind of change the strategies around. Now just quickly as well, so that advice in February, it was basically looking at updating the portfolio in your main super fund, doing a consolidation of one of them, and just keeping the other one there for the insurances if that rings a bell. Yeah. That's right. It was consolidate care super. Keep most of Australian super still going for a little while with the insurances. Yes. Yeah. That's correct. Yeah. Cool. So what I basically need to do from here is I'll double check your details that we noted on file, just make sure that hasn't changed too much. And then I just need to update we we get some updated research from those two funds, and I'll refresh your advice document, and then I can get that sent through to you as well. Basically, if you're comfortable with it, just sign off on it so we can action it. Yeah. Correct. So the old authority to proceed. Because sometimes what happens is if there's, like, six recommendations in the document, some people will sign off saying go through with all six or maybe just these four. I don't wanna proceed with these two, and we just need that sort of sign off on file before we can do anything. Cool. So what I'll do, I've just got the details open in front of me. So scoping wise, just quickly as well, So we weren't giving any kind of budgeting or debt management advice on property. Seemed like you had that handled pretty well with your new salary and just, you know, working on your budget and your mortgage. Estate planning. There's a bit of a range. So when it comes to property, we do we start off with general advice where we talk about, okay, what's the plans with it? What are the options? Some clients, we just, you know, educate on how offset account work, different strategies and options, and it ranges all the way up to debt management strategies where if someone has three or four properties, we will project those out and say, okay. What's the most effective way to pay down the debt, grow the wealth, and what does that look like in five, ten, twenty years' time? Yeah. We used to do a bit of property through super as well, but the government's just kind of put a ban on that. So that one has disappeared. Yeah. Sorry. Yeah. Yeah. It's always a funny thing is politics pops up, changes things, and then it changes back and it changes hands, and we just try and keep on top of the legislation. And when opportunities open up, run them by you guys. Alright. Details wise, Shane, I'm just having a look at the three funds. I can't quite see if we have valid authorities on file to get the research for these. So I will just quickly touch base with my admin team after this call, and I may need to send you through a third party authority. But if it's still valid, we'll just call them and get the details. Cool. Just quickly on the income and occupation. So we had you as a train driver on a 150,000. Cool. Yeah. Yeah. Right. So if I go a 100 and Yes. Okay. So what I'll do is I'll say 200,000 plus at the moment, and then because that'll get you close to that division two nine three section for people on about $2.30, $2.50, I'm gonna go to so I'll give you the example of my father-in-law. So he's on 260,000. Anytime someone's above a combination of income and super contributions that combined are above 250,000, they lump you into a new tax category called division two nine three, which basically just means you cop a bit of extra tax on super contributions for being a high earner. Yeah. So what tends to happen is because you know how the cap's kind of 30,000, someone who's on $2.50 will essentially get 30 or above automatically going in and would kind of breach the cap kind of thing. And then what happens is in your tax return, you'll actually get a letter from the tax office saying you've gotten the division two nine three category. Here's a bill for $2. You can either pay it personally or release some money from super to pay for the extra contribution tax. So yours, nothing at the moment. I'm just checking the contributions that are going in to see if I can see if it's gonna kind of eclipse that and trigger the category just so that in the document, I can show you kind of what that looks like. The long and short of it essentially is normally super contributions are taxed at 15% instead of, like, your 47%. If you hit that category, a portion of them will be taxed at 30 instead. So it'll still be concessional, just not as good. But as you get close to that, I'll let you know. Yeah. So I think if you were to hit maybe $2.30 with the 12% added on would probably trigger it. So it's people for around about $2.30, $2.50. It starts to kick in. So that's why the moment you said above 200, I just said, I'll check your contributions and see if I can extrapolate that out for a year, and then that'll give me an idea if you're gonna hit that or not. Beauty. Unfortunately, there's Gross income. So before any kind of tax concessions or anything like that, they just go total income, total contributions, and then they just see if it's above the threshold. There's not much to be done about it. It's just an extra tax they lump on to people who have done decently well. I wouldn't call you the top 1%, mate, but if you hit two fifty, that's what they call it. Absolutely. Assets wise, home investment property. We Yeah. Yep. Just just round figures wise, I think we had 700 and 90,000 owing on the home and about 200,000 owing on the investment property. And home value 1.1, the investment property, 400. Three property 400. Three cars, about $50 in offset. I don't know if your savings have kind of increased or decreased. Cool. And the other thing was a helicopter. Sensational. No other, like, shares or loans, personal loans, or anything like that? Yep. 35 thousand dollars. Get to put together. That's cool. Are they those little small ones that you can take out to the park and zip around with the remote control? Are we talking, like, sit in it? Oh, wow. Yeah. Oh, cool. Yeah. Yeah. Alright. Kit built helicopters. That sounds cool. I've never heard of that before. Alright. Yeah. And what up to, like, two theaters? Or Yeah. I'm seeing mosquitoes online. Oh. Yeah. That kind of similar to that. Yeah. Yeah. I can see that. It's the I don't know if you remember the old Mad Max movies, but it kinda reminds me of that a little bit. Guys flying around the yeah. Okay. Yep. Uh-huh. Oh, that's cool. Yeah. I've just got the old Google open. So one's a gyrocopter. Yep. Cool. Oh, that's awesome. I've never seen that before in a in someone's fact find with their assets. So I thought, oh, hella cup. That's cool. I have had some one of those guys that do the old what's those backpack with the with the big spinners on them at the beach with flying around with the the parachute. Yeah. With the parachute and the jetpack on the back. That's yeah. Give you some ideas for the next one. I'll say give you some ideas for the next one. You should pick one up. Oh, Shane, while I've got you as well, speaking of helicopters and everything, is there anything else, like, goals wise that's a cash flow priority for you for the next few years that I need to update? Yep. So just work on the properties, build the savings, have a bit of fun, and we'll focus on the Supra. Cool. Alrighty. I've got all the goals updated, your details. Is your BigPond email address still okay for all correspondence? Perfect. And then just in terms of relationship status, we've got you de facto with no dependents currently. Cool. And that should be about it. Savings wise, with the income going up, have you got a a set savings amount that you've managed to budget for now, or is it kind of a bit sporadic? Yeah. 0, gotcha. Oh, gotcha. Is that pretty similar in terms of if you got $45 out that we can put down that helicopter is valued at 45, or is it a bit more than that? Yep. 50. Okay. I might even just put in there 50 purchase price, a 150 possible value just as an estimate. Obviously, it doesn't impact your super, but at least the context is there. With the the personal loan, so the last thing I wanted to check with you before I let you go is Kyle's previous recommendation around the life insurance was that when we close down CareSuper, that will essentially cancel the cover that was attached to it because you do have quite a bit in assets, and you've got some cover with AustralianSuper too. So what that looks like is 77,000 worth of life and total disability insurance would be canceled, and then your life and TPD and a bit of income protection with AustralianSuper would stay. And I think 37,000 of life insurance, 9,000 of TPD, and 2,800 a month worth of income replacement. 2,800. Yeah. It's a very small small policy. Yeah. The only other way to get a new policy is we would go through, like, full underwriting, health and occupation, and do some quotes up with some insurers and see if anyone would offer a good deal. I can have a look into it. We definitely have to keep what you've got at the time being, but the income protection price, once you hit your fifties, you could be looking at 3 to 7,000 a year. And before you know it, I've seen some policies recently of people who are about 58, 59, and they walked in the door. One was $12,000 a year, one was 20. Yeah. To to protect a 6 figure income. They were admittedly a bit more blue collar, which is a bit more expensive. But the moment you hit the fifties, they do increase it, you know, 1,000, 2,000 a year pretty quickly. It's like a bit of a hockey stick graph. Starts off under a grand when you're 30, and then it's $2.5 when you're 40, and then it's 7, then it's 12, then it's 15. Oh, yeah. Yeah. Yep. Oh. Right. They just switched him. Yeah. Yeah. And all of a sudden, that income that's holding it all up is just all of a sudden half or less? Yeah. They could file. No. It only does illness and injury. Not legally allowed to do kind of redundancy or unemployment insurance because it competes, obviously, with Centrelink. I would have thought that they would have some sort of oh, I don't guess you guys are unionized, are you? Because I know that some of the big, like, mining unions and things like that, if someone if something happens like that, they do have a pool of funds to help supplement people's families and things like that. I don't know if you guys have the same. Yep. Might be worth joining the next union meeting and checking. Yeah. Because that's a big risk in your industry compared to most other professions. I mean, there's always ways that you can mess up and be stood down, but that's a very simple thing of you slip up and you do the wrong speed, and all of a sudden, that whole thing's gone. Yeah. What I might do is but I'll still just do up, like, a income protection quote. But with train driving, that occupation, they might not insure for. So I know there's some specific ones like pilots, trains, firefighters that are, you know, prison guard kind of excluded from the standard rotation. So I don't really like the chances of getting one. I definitely think the the Australian Super one is probably worth keeping. Even though it's minimal, it's better than zero. Yeah. So the the care one, you can, which would mean basically you're for that 37,000 worth of life insurance and total disability, sorry, 77, you would opt into the cover, sign a letter saying we don't want this to cancel if it's still there. And at most, you might have to throw in a small contribution once every year or two just so it doesn't go into an inactive state where they cancel it. Yeah. It just obviously, the risk is you you're just running those for those policies. We'll keep them going. But if you prefer to kind of have that extra little buffer there, I can do the research, make sure it's still in force. And if it is, we can get you to opt into it, and then we can just look after it for a little while longer. Yep. So for now, I'm just gonna I think we're updating the hub twenty four portfolio, switching a couple of investments around. We'll do a bit of a sweep across from Australian super because that's built up, like you said, and then I'll just make sure both of them remain in force, get a bit of research on insurance options, and then we can touch base on that for the next one as well, whether we close them or keep them for another four or five years. Sound good? Cool. Alright. So I'll get working on that. Just keep an ear out if the team reaches out to sign another authority if we need to for the research, and I'm just going on a a small bit of leave with the family next week. As soon as I get back, that research will be completed, and I can kind of go through the updated plan with you and get you booked in. So if I have a look next week, we'll have a we'll probably have our meeting booked by the end of the month. Yeah. Just as soon as I get back, I know that people have already been booked in. So I just need to find a good time and day for you as soon as I've got the research done. But if there's any, like, delay with AustralianSuper or CareSuper, it might push it out a little bit. So I don't wanna give you a time frame and and not hit it. Yep. No worries. Outside of that, so I've got everything I need to kind of refresh the advice and tweak the direction a little bit. Do you have any other questions for me at this point or anything else I can kind of factor in? Cool. Alrighty. Well, I'll jump on to that now. We'll reach out to you this week for any research requirements and then just keep an ear out for a booking in a few weeks' time. Awesome, Shane. Look. I appreciate the time this morning, and thanks for updating your details with me as well. I appreciate that. Awesome, mate. Have a fantastic week. Thank you. 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morning, Shane. It's Tommy here, senior adviser from Oakview, mate. How are you doing today? Sorry, mate. It's Tommy here from Oakview.\n\nI'm one of the senior advisers. Fantastic, mate. I just had you booked in for a quick catch up about some advice updates. Do you have a bit of time for me still? Fantastic.\n\nSo I've got some previous advice documents open with me that we can kind of run over together. And just before I jump into it, Shane, I just wanna check security with you if that's okay. Cool. So just to let you know the call is recorded. And if I could please confirm your date of birth and address.\n\nAddress. Sensational. And I'm registered with Asic as adviser 1273105. Mate, main reason for the call this morning is some advice that Carl went through with you a bit earlier in the year has expired. And so, basically, what I wanted to do was just run through what he was recommending at the time, your circumstances it was based on, see if there's been any significant changes, if you're still comfortable with those ideas, or if we have to kind of change the strategies around.\n\nNow just quickly as well, so that advice in February, it was basically looking at updating the portfolio in your main super fund, doing a consolidation of one of them, and just keeping the other one there for the insurances if that rings a bell. Yeah. That's right. It was consolidate care super. Keep most of Australian super still going for a little while with the insurances.\n\nYes. Yeah. That's correct. Yeah. Cool.\n\nSo what I basically need to do from here is I'll double check your details that we noted on file, just make sure that hasn't changed too much. And then I just need to update we we get some updated research from those two funds, and I'll refresh your advice document, and then I can get that sent through to you as well. Basically, if you're comfortable with it, just sign off on it so we can action it. Yeah. Correct.\n\nSo the old authority to proceed. Because sometimes what happens is if there's, like, six recommendations in the document, some people will sign off saying go through with all six or maybe just these four. I don't wanna proceed with these two, and we just need that sort of sign off on file before we can do anything. Cool. So what I'll do, I've just got the details open in front of me.\n\nSo scoping wise, just quickly as well, So we weren't giving any kind of budgeting or debt management advice on property. Seemed like you had that handled pretty well with your new salary and just, you know, working on your budget and your mortgage. Estate planning. There's a bit of a range. So when it comes to property, we do we start off with general advice where we talk about, okay, what's the plans with it?\n\nWhat are the options? Some clients, we just, you know, educate on how offset account work, different strategies and options, and it ranges all the way up to debt management strategies where if someone has three or four properties, we will project those out and say, okay. What's the most effective way to pay down the debt, grow the wealth, and what does that look like in five, ten, twenty years' time? Yeah. We used to do a bit of property through super as well, but the government's just kind of put a ban on that.\n\nSo that one has disappeared. Yeah. Sorry. Yeah. Yeah.\n\nIt's always a funny thing is politics pops up, changes things, and then it changes back and it changes hands, and we just try and keep on top of the legislation. And when opportunities open up, run them by you guys. Alright. Details wise, Shane, I'm just having a look at the three funds. I can't quite see if we have valid authorities on file to get the research for these.\n\nSo I will just quickly touch base with my admin team after this call, and I may need to send you through a third party authority. But if it's still valid, we'll just call them and get the details. Cool. Just quickly on the income and occupation. So we had you as a train driver on a 150,000.\n\nCool. Yeah. Yeah. Right. So if I go a 100 and Yes.\n\nOkay. So what I'll do is I'll say 200,000 plus at the moment, and then because that'll get you close to that division two nine three section for people on about $2.30, $2.50, I'm gonna go to so I'll give you the example of my father-in-law. So he's on 260,000. Anytime someone's above a combination of income and super contributions that combined are above 250,000, they lump you into a new tax category called division two nine three, which basically just means you cop a bit of extra tax on super contributions for being a high earner. Yeah.\n\nSo what tends to happen is because you know how the cap's kind of 30,000, someone who's on $2.50 will essentially get 30 or above automatically going in and would kind of breach the cap kind of thing. And then what happens is in your tax return, you'll actually get a letter from the tax office saying you've gotten the division two nine three category. Here's a bill for $2. You can either pay it personally or release some money from super to pay for the extra contribution tax. So yours, nothing at the moment.\n\nI'm just checking the contributions that are going in to see if I can see if it's gonna kind of eclipse that and trigger the category just so that in the document, I can show you kind of what that looks like. The long and short of it essentially is normally super contributions are taxed at 15% instead of, like, your 47%. If you hit that category, a portion of them will be taxed at 30 instead. So it'll still be concessional, just not as good. But as you get close to that, I'll let you know.\n\nYeah. So I think if you were to hit maybe $2.30 with the 12% added on would probably trigger it. So it's people for around about $2.30, $2.50. It starts to kick in. So that's why the moment you said above 200, I just said, I'll check your contributions and see if I can extrapolate that out for a year, and then that'll give me an idea if you're gonna hit that or not.\n\nBeauty. Unfortunately, there's Gross income. So before any kind of tax concessions or anything like that, they just go total income, total contributions, and then they just see if it's above the threshold. There's not much to be done about it. It's just an extra tax they lump on to people who have done decently well.\n\nI wouldn't call you the top 1%, mate, but if you hit two fifty, that's what they call it. Absolutely. Assets wise, home investment property. We Yeah. Yep.\n\nJust just round figures wise, I think we had 700 and 90,000 owing on the home and about 200,000 owing on the investment property. And home value 1.1, the investment property, 400. Three property 400. Three cars, about $50 in offset. I don't know if your savings have kind of increased or decreased.\n\nCool. And the other thing was a helicopter. Sensational. No other, like, shares or loans, personal loans, or anything like that? Yep.\n\n35 thousand dollars. Get to put together. That's cool. Are they those little small ones that you can take out to the park and zip around with the remote control? Are we talking, like, sit in it?\n\nOh, wow. Yeah. Oh, cool. Yeah. Yeah.\n\nAlright. Kit built helicopters. That sounds cool. I've never heard of that before. Alright.\n\nYeah. And what up to, like, two theaters? Or Yeah. I'm seeing mosquitoes online. Oh.\n\nYeah. That kind of similar to that. Yeah. Yeah. I can see that.\n\nIt's the I don't know if you remember the old Mad Max movies, but it kinda reminds me of that a little bit. Guys flying around the yeah. Okay. Yep. Uh-huh.\n\nOh, that's cool. Yeah. I've just got the old Google open. So one's a gyrocopter. Yep.\n\nCool. Oh, that's awesome. I've never seen that before in a in someone's fact find with their assets. So I thought, oh, hella cup. That's cool.\n\nI have had some one of those guys that do the old what's those backpack with the with the big spinners on them at the beach with flying around with the the parachute. Yeah. With the parachute and the jetpack on the back. That's yeah. Give you some ideas for the next one.\n\nI'll say give you some ideas for the next one. You should pick one up. Oh, Shane, while I've got you as well, speaking of helicopters and everything, is there anything else, like, goals wise that's a cash flow priority for you for the next few years that I need to update? Yep. So just work on the properties, build the savings, have a bit of fun, and we'll focus on the Supra.\n\nCool. Alrighty. I've got all the goals updated, your details. Is your BigPond email address still okay for all correspondence? Perfect.\n\nAnd then just in terms of relationship status, we've got you de facto with no dependents currently. Cool. And that should be about it. Savings wise, with the income going up, have you got a a set savings amount that you've managed to budget for now, or is it kind of a bit sporadic? Yeah.\n\n0, gotcha. Oh, gotcha. Is that pretty similar in terms of if you got $45 out that we can put down that helicopter is valued at 45, or is it a bit more than that? Yep. 50.\n\nOkay. I might even just put in there 50 purchase price, a 150 possible value just as an estimate. Obviously, it doesn't impact your super, but at least the context is there. With the the personal loan, so the last thing I wanted to check with you before I let you go is Kyle's previous recommendation around the life insurance was that when we close down CareSuper, that will essentially cancel the cover that was attached to it because you do have quite a bit in assets, and you've got some cover with AustralianSuper too. So what that looks like is 77,000 worth of life and total disability insurance would be canceled, and then your life and TPD and a bit of income protection with AustralianSuper would stay.\n\nAnd I think 37,000 of life insurance, 9,000 of TPD, and 2,800 a month worth of income replacement. 2,800. Yeah. It's a very small small policy. Yeah.\n\nThe only other way to get a new policy is we would go through, like, full underwriting, health and occupation, and do some quotes up with some insurers and see if anyone would offer a good deal. I can have a look into it. We definitely have to keep what you've got at the time being, but the income protection price, once you hit your fifties, you could be looking at 3 to 7,000 a year. And before you know it, I've seen some policies recently of people who are about 58, 59, and they walked in the door. One was $12,000 a year, one was 20.\n\nYeah. To to protect a 6 figure income. They were admittedly a bit more blue collar, which is a bit more expensive. But the moment you hit the fifties, they do increase it, you know, 1,000, 2,000 a year pretty quickly. It's like a bit of a hockey stick graph.\n\nStarts off under a grand when you're 30, and then it's $2.5 when you're 40, and then it's 7, then it's 12, then it's 15. Oh, yeah. Yeah. Yep. Oh.\n\nRight. They just switched him. Yeah. Yeah. And all of a sudden, that income that's holding it all up is just all of a sudden half or less?\n\nYeah. They could file. No. It only does illness and injury. Not legally allowed to do kind of redundancy or unemployment insurance because it competes, obviously, with Centrelink.\n\nI would have thought that they would have some sort of oh, I don't guess you guys are unionized, are you? Because I know that some of the big, like, mining unions and things like that, if someone if something happens like that, they do have a pool of funds to help supplement people's families and things like that. I don't know if you guys have the same. Yep. Might be worth joining the next union meeting and checking.\n\nYeah. Because that's a big risk in your industry compared to most other professions. I mean, there's always ways that you can mess up and be stood down, but that's a very simple thing of you slip up and you do the wrong speed, and all of a sudden, that whole thing's gone. Yeah. What I might do is but I'll still just do up, like, a income protection quote.\n\nBut with train driving, that occupation, they might not insure for. So I know there's some specific ones like pilots, trains, firefighters that are, you know, prison guard kind of excluded from the standard rotation. So I don't really like the chances of getting one. I definitely think the the Australian Super one is probably worth keeping. Even though it's minimal, it's better than zero.\n\nYeah. So the the care one, you can, which would mean basically you're for that 37,000 worth of life insurance and total disability, sorry, 77, you would opt into the cover, sign a letter saying we don't want this to cancel if it's still there. And at most, you might have to throw in a small contribution once every year or two just so it doesn't go into an inactive state where they cancel it. Yeah. It just obviously, the risk is you you're just running those for those policies.\n\nWe'll keep them going. But if you prefer to kind of have that extra little buffer there, I can do the research, make sure it's still in force. And if it is, we can get you to opt into it, and then we can just look after it for a little while longer. Yep. So for now, I'm just gonna I think we're updating the hub twenty four portfolio, switching a couple of investments around.\n\nWe'll do a bit of a sweep across from Australian super because that's built up, like you said, and then I'll just make sure both of them remain in force, get a bit of research on insurance options, and then we can touch base on that for the next one as well, whether we close them or keep them for another four or five years. Sound good? Cool. Alright. So I'll get working on that.\n\nJust keep an ear out if the team reaches out to sign another authority if we need to for the research, and I'm just going on a a small bit of leave with the family next week. As soon as I get back, that research will be completed, and I can kind of go through the updated plan with you and get you booked in. So if I have a look next week, we'll have a we'll probably have our meeting booked by the end of the month. Yeah. Just as soon as I get back, I know that people have already been booked in.\n\nSo I just need to find a good time and day for you as soon as I've got the research done. But if there's any, like, delay with AustralianSuper or CareSuper, it might push it out a little bit. So I don't wanna give you a time frame and and not hit it. Yep. No worries.\n\nOutside of that, so I've got everything I need to kind of refresh the advice and tweak the direction a little bit. Do you have any other questions for me at this point or anything else I can kind of factor in? Cool. Alrighty. Well, I'll jump on to that now.\n\nWe'll reach out to you this week for any research requirements and then just keep an ear out for a booking in a few weeks' time. Awesome, Shane. Look. I appreciate the time this morning, and thanks for updating your details with me as well. I appreciate that.\n\nAwesome, mate. Have a fantastic week. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Shane.","start":1.4399999,"end":2.3999999,"sentiment":"positive","sentiment_score":0.4197254280249278},{"text":"It's Tommy here, senior adviser from Oakview, mate.","start":2.3999999,"end":4.48,"sentiment":"neutral","sentiment_score":0.26426519826054573},{"text":"How are you doing today?","start":4.48,"end":5.54,"sentiment":"neutral","sentiment_score":0.28098684549331665},{"text":"Sorry, mate.","start":9.28,"end":9.84,"sentiment":"neutral","sentiment_score":-0.02140905149281025},{"text":"It's Tommy here from Oakview.","start":9.84,"end":11.28,"sentiment":"neutral","sentiment_score":0.056643400341272354}],"sentiment":"neutral","sentiment_score":0.21820134766723798,"num_words":23,"start":1.4399999,"end":11.28},{"sentences":[{"text":"I'm one of the senior advisers.","start":11.28,"end":14.525,"sentiment":"neutral","sentiment_score":0.05684598162770271},{"text":"Fantastic, mate.","start":14.525,"end":15.325,"sentiment":"positive","sentiment_score":0.7237822413444519},{"text":"I just had you booked in for a quick catch up about some advice updates.","start":15.325,"end":19.404999,"sentiment":"positive","sentiment_score":0.3630195120970408},{"text":"Do you have a bit of time for me still?","start":19.404999,"end":21.265,"sentiment":"neutral","sentiment_score":0.11881047561764717},{"text":"Fantastic.","start":22.765,"end":23.265,"sentiment":"positive","sentiment_score":0.6233720779418945}],"sentiment":"neutral","sentiment_score":0.26604146729497347,"num_words":34,"start":11.28,"end":23.265},{"sentences":[{"text":"So I've got some previous advice documents open with me that we can kind of run over together.","start":23.404999,"end":28.47,"sentiment":"neutral","sentiment_score":0.32245800064669716},{"text":"And just before I jump into it, Shane, I just wanna check security with you if that's okay.","start":28.77,"end":33.510002,"sentiment":"neutral","sentiment_score":0.10278028042780028},{"text":"Cool.","start":35.01,"end":35.25,"sentiment":"neutral","sentiment_score":0.27613142132759094},{"text":"So just to let you know the call is recorded.","start":35.25,"end":37.43,"sentiment":"neutral","sentiment_score":0.12988561093807222},{"text":"And if I could please confirm your date of birth and address.","start":37.57,"end":40.395,"sentiment":"neutral","sentiment_score":0.06864039599895477}],"sentiment":"neutral","sentiment_score":0.17038917528875805,"num_words":59,"start":23.404999,"end":40.395},{"sentences":[{"text":"Address.","start":45.435,"end":45.755,"sentiment":"neutral","sentiment_score":0.029674693942070007},{"text":"Sensational.","start":45.755,"end":46.255,"sentiment":"neutral","sentiment_score":0.05066942051053047},{"text":"And I'm registered with Asic as adviser 1273105.","start":46.475,"end":50.575,"sentiment":"neutral","sentiment_score":0.045316670555621386},{"text":"Mate, main reason for the call this morning is some advice that Carl went through with you a bit earlier in the year has expired.","start":51.275,"end":59.62,"sentiment":"neutral","sentiment_score":-0.016868140436708926},{"text":"And so, basically, what I wanted to do was just run through what he was recommending at the time, your circumstances it was based on, see if there's been any significant changes, if you're still comfortable with those ideas, or if we have to kind of change the strategies around.","start":60.0,"end":74.695,"sentiment":"neutral","sentiment_score":-0.03736689940094948}],"sentiment":"neutral","sentiment_score":-0.02173142355373677,"num_words":85,"start":45.435,"end":74.695},{"sentences":[{"text":"Now just quickly as well, so that advice in February, it was basically looking at updating the portfolio in your main super fund, doing a consolidation of one of them, and just keeping the other one there for the insurances if that rings a bell.","start":76.515,"end":94.56,"sentiment":"neutral","sentiment_score":0.03975254260003567},{"text":"Yeah.","start":102.715,"end":103.035,"sentiment":"neutral","sentiment_score":0.03097592294216156},{"text":"That's right.","start":103.035,"end":103.515,"sentiment":"neutral","sentiment_score":0.06799621880054474},{"text":"It was consolidate care super.","start":103.515,"end":105.375,"sentiment":"neutral","sentiment_score":0.07484156414866447},{"text":"Keep most of Australian super still going for a little while with the insurances.","start":106.235,"end":109.935,"sentiment":"neutral","sentiment_score":0.06385853061718601}],"sentiment":"neutral","sentiment_score":0.048120298909384816,"num_words":67,"start":76.515,"end":109.935},{"sentences":[{"text":"Yes.","start":113.21,"end":113.71,"sentiment":"neutral","sentiment_score":0.0477810800075531},{"text":"Yeah.","start":127.545,"end":127.784996,"sentiment":"neutral","sentiment_score":0.15524780750274658},{"text":"That's correct.","start":127.784996,"end":128.605,"sentiment":"neutral","sentiment_score":0.2933415472507477},{"text":"Yeah.","start":131.705,"end":131.94499,"sentiment":"positive","sentiment_score":0.5154327154159546},{"text":"Cool.","start":131.94499,"end":132.345,"sentiment":"positive","sentiment_score":0.5807271003723145}],"sentiment":"neutral","sentiment_score":0.3143119663000107,"num_words":6,"start":113.21,"end":132.345},{"sentences":[{"text":"So what I basically need to do from here is I'll double check your details that we noted on file, just make sure that hasn't changed too much.","start":132.345,"end":139.68,"sentiment":"neutral","sentiment_score":0.1896967738866806},{"text":"And then I just need to update we we get some updated research from those two funds, and I'll refresh your advice document, and then I can get that sent through to you as well.","start":139.73999,"end":152.655,"sentiment":"neutral","sentiment_score":0.14679108730384283},{"text":"Basically, if you're comfortable with it, just sign off on it so we can action it.","start":153.115,"end":156.57501,"sentiment":"neutral","sentiment_score":0.09216713160276413},{"text":"Yeah.","start":161.515,"end":161.91501,"sentiment":"neutral","sentiment_score":0.02900923043489456},{"text":"Correct.","start":161.91501,"end":162.33,"sentiment":"neutral","sentiment_score":0.07434994727373123}],"sentiment":"neutral","sentiment_score":0.1484843334298075,"num_words":81,"start":132.345,"end":162.33},{"sentences":[{"text":"So the old authority to proceed.","start":163.29001,"end":165.07,"sentiment":"neutral","sentiment_score":-0.03987488398949305},{"text":"Because sometimes what happens is if there's, like, six recommendations in the document, some people will sign off saying go through with all six or maybe just these four.","start":165.37,"end":174.01,"sentiment":"neutral","sentiment_score":-0.09750981230674119},{"text":"I don't wanna proceed with these two, and we just need that sort of sign off on file before we can do anything.","start":174.01,"end":179.815,"sentiment":"neutral","sentiment_score":-0.19137169193962347},{"text":"Cool.","start":182.115,"end":182.435,"sentiment":"neutral","sentiment_score":0.3160753548145294},{"text":"So what I'll do, I've just got the details open in front of me.","start":182.435,"end":186.215,"sentiment":"neutral","sentiment_score":0.16743978645120347}],"sentiment":"neutral","sentiment_score":-0.06586781383989608,"num_words":73,"start":163.29001,"end":186.215},{"sentences":[{"text":"So scoping wise, just quickly as well, So we weren't giving any kind of budgeting or debt management advice on property.","start":186.995,"end":193.65,"sentiment":"neutral","sentiment_score":-0.06242955405087698},{"text":"Seemed like you had that handled pretty well with your new salary and just, you know, working on your budget and your mortgage.","start":193.87,"end":199.73,"sentiment":"neutral","sentiment_score":0.03937092050909996},{"text":"Estate planning.","start":201.925,"end":202.905,"sentiment":"neutral","sentiment_score":0.0338406590744853},{"text":"There's a bit of a range.","start":206.725,"end":208.08499,"sentiment":"neutral","sentiment_score":0.024627778058250744},{"text":"So when it comes to property, we do we start off with general advice where we talk about, okay, what's the plans with it?","start":208.08499,"end":214.405,"sentiment":"neutral","sentiment_score":0.09259306422124307}],"sentiment":"neutral","sentiment_score":0.026739369269068305,"num_words":76,"start":186.995,"end":214.405},{"sentences":[{"text":"What are the options?","start":214.405,"end":215.305,"sentiment":"neutral","sentiment_score":0.06686451472342014},{"text":"Some clients, we just, you know, educate on how offset account work, different strategies and options, and it ranges all the way up to debt management strategies where if someone has three or four properties, we will project those out and say, okay.","start":215.95999,"end":230.85501,"sentiment":"neutral","sentiment_score":0.09675126414486142},{"text":"What's the most effective way to pay down the debt, grow the wealth, and what does that look like in five, ten, twenty years' time?","start":230.85501,"end":238.235,"sentiment":"positive","sentiment_score":0.4369891607761383},{"text":"Yeah.","start":240.295,"end":240.535,"sentiment":"neutral","sentiment_score":-0.00905531458556652},{"text":"We used to do a bit of property through super as well, but the government's just kind of put a ban on that.","start":240.535,"end":246.04001,"sentiment":"neutral","sentiment_score":-0.12979791718332664}],"sentiment":"neutral","sentiment_score":0.1287300419450427,"num_words":96,"start":214.405,"end":246.04001},{"sentences":[{"text":"So that one has disappeared.","start":246.18001,"end":248.52,"sentiment":"neutral","sentiment_score":-0.3160096049308777},{"text":"Yeah.","start":252.02,"end":252.26001,"sentiment":"neutral","sentiment_score":0.005794592201709747},{"text":"Sorry.","start":252.26001,"end":252.76001,"sentiment":"neutral","sentiment_score":-0.087629534304142},{"text":"Yeah.","start":257.495,"end":257.995,"sentiment":"neutral","sentiment_score":-0.07963255792856216},{"text":"Yeah.","start":264.855,"end":265.095,"sentiment":"neutral","sentiment_score":-0.02868451550602913}],"sentiment":"neutral","sentiment_score":-0.19668889335460132,"num_words":9,"start":246.18001,"end":265.095},{"sentences":[{"text":"It's always a funny thing is politics pops up, changes things, and then it changes back and it changes hands, and we just try and keep on top of the legislation.","start":265.095,"end":273.65,"sentiment":"neutral","sentiment_score":0.048936768164557796},{"text":"And when opportunities open up, run them by you guys.","start":273.87,"end":276.93,"sentiment":"neutral","sentiment_score":0.09775651842355729},{"text":"Alright.","start":279.87,"end":280.37,"sentiment":"neutral","sentiment_score":0.11215302348136902},{"text":"Details wise, Shane, I'm just having a look at the three funds.","start":280.43,"end":283.72998,"sentiment":"neutral","sentiment_score":0.06212940781066815},{"text":"I can't quite see if we have valid authorities on file to get the research for these.","start":284.27,"end":290.29498,"sentiment":"neutral","sentiment_score":-0.004684237763285637}],"sentiment":"neutral","sentiment_score":0.04609406862775205,"num_words":71,"start":265.095,"end":290.29498},{"sentences":[{"text":"So I will just quickly touch base with my admin team after this call, and I may need to send you through a third party authority.","start":290.29498,"end":297.275,"sentiment":"neutral","sentiment_score":0.043869033097647704},{"text":"But if it's still valid, we'll just call them and get the details.","start":297.41498,"end":300.3,"sentiment":"neutral","sentiment_score":0.021934003067704346},{"text":"Cool.","start":302.62,"end":303.12,"sentiment":"neutral","sentiment_score":0.22583909332752228},{"text":"Just quickly on the income and occupation.","start":303.34,"end":305.28,"sentiment":"neutral","sentiment_score":0.11445630873952593},{"text":"So we had you as a train driver on a 150,000.","start":305.41998,"end":308.4,"sentiment":"neutral","sentiment_score":0.060413083230907265}],"sentiment":"neutral","sentiment_score":0.053746794318330696,"num_words":58,"start":290.29498,"end":308.4},{"sentences":[{"text":"Cool.","start":310.94,"end":311.44,"sentiment":"neutral","sentiment_score":0.18397586047649384},{"text":"Yeah.","start":319.835,"end":320.335,"sentiment":"neutral","sentiment_score":-0.03919953107833862},{"text":"Yeah.","start":334.16998,"end":334.49,"sentiment":"neutral","sentiment_score":0.031165242195129395},{"text":"Right.","start":334.49,"end":334.81,"sentiment":"neutral","sentiment_score":0.05935494974255562},{"text":"So if I go a 100 and Yes.","start":334.81,"end":339.46997,"sentiment":"neutral","sentiment_score":0.06894973386079073}],"sentiment":"neutral","sentiment_score":0.0655745326851805,"num_words":12,"start":310.94,"end":339.46997},{"sentences":[{"text":"Okay.","start":349.655,"end":350.155,"sentiment":"neutral","sentiment_score":0.034099280834198},{"text":"So what I'll do is I'll say 200,000 plus at the moment, and then because that'll get you close to that division two nine three section for people on about $2.30, $2.50, I'm gonna go to so I'll give you the example of my father-in-law.","start":351.095,"end":366.35,"sentiment":"neutral","sentiment_score":0.06826313796142737},{"text":"So he's on 260,000.","start":367.13,"end":369.95,"sentiment":"neutral","sentiment_score":0.03919870499521494},{"text":"Anytime someone's above a combination of income and super contributions that combined are above 250,000, they lump you into a new tax category called division two nine three, which basically just means you cop a bit of extra tax on super contributions for being a high earner.","start":370.805,"end":387.49,"sentiment":"neutral","sentiment_score":0.015610885915366258},{"text":"Yeah.","start":391.55,"end":391.87,"sentiment":"neutral","sentiment_score":-0.0522194430232048}],"sentiment":"neutral","sentiment_score":0.040247219429370394,"num_words":98,"start":349.655,"end":391.87},{"sentences":[{"text":"So what tends to happen is because you know how the cap's kind of 30,000, someone who's on $2.50 will essentially get 30 or above automatically going in and would kind of breach the cap kind of thing.","start":391.87,"end":403.175,"sentiment":"neutral","sentiment_score":-0.14205683699171795},{"text":"And then what happens is in your tax return, you'll actually get a letter from the tax office saying you've gotten the division two nine three category.","start":403.475,"end":410.86002,"sentiment":"neutral","sentiment_score":0.045236892308349964},{"text":"Here's a bill for $2.","start":411.32,"end":413.18002,"sentiment":"neutral","sentiment_score":0.09123969227075576},{"text":"You can either pay it personally or release some money from super to pay for the extra contribution tax.","start":413.72,"end":419.5,"sentiment":"neutral","sentiment_score":0.04549536716781164},{"text":"So yours, nothing at the moment.","start":424.68,"end":426.47498,"sentiment":"neutral","sentiment_score":-0.057591273759802185}],"sentiment":"neutral","sentiment_score":-0.03370211493027837,"num_words":95,"start":391.87,"end":426.47498},{"sentences":[{"text":"I'm just checking the contributions that are going in to see if I can see if it's gonna kind of eclipse that and trigger the category just so that in the document, I can show you kind of what that looks like.","start":426.47498,"end":437.535,"sentiment":"neutral","sentiment_score":0.02701520604924077},{"text":"The long and short of it essentially is normally super contributions are taxed at 15% instead of, like, your 47%.","start":439.435,"end":447.11,"sentiment":"neutral","sentiment_score":-0.06509424988180398},{"text":"If you hit that category, a portion of them will be taxed at 30 instead.","start":447.73,"end":451.41,"sentiment":"neutral","sentiment_score":-0.1036523366967837},{"text":"So it'll still be concessional, just not as good.","start":451.41,"end":454.15,"sentiment":"neutral","sentiment_score":-0.22946932829088634},{"text":"But as you get close to that, I'll let you know.","start":456.44998,"end":459.27502,"sentiment":"neutral","sentiment_score":0.03362429175864567}],"sentiment":"neutral","sentiment_score":-0.035230805559717505,"num_words":97,"start":426.47498,"end":459.27502},{"sentences":[{"text":"Yeah.","start":462.935,"end":463.255,"sentiment":"neutral","sentiment_score":0.04478120803833008},{"text":"So I think if you were to hit maybe $2.30 with the 12% added on would probably trigger it.","start":463.255,"end":471.51,"sentiment":"neutral","sentiment_score":0.021142673678696156},{"text":"So it's people for around about $2.30, $2.50.","start":471.51,"end":474.23,"sentiment":"neutral","sentiment_score":0.04306439636275172},{"text":"It starts to kick in.","start":474.23,"end":475.77002,"sentiment":"neutral","sentiment_score":0.044217022508382796},{"text":"So that's why the moment you said above 200, I just said, I'll check your contributions and see if I can extrapolate that out for a year, and then that'll give me an idea if you're gonna hit that or not.","start":478.23,"end":488.33502,"sentiment":"neutral","sentiment_score":0.05863720405755973}],"sentiment":"neutral","sentiment_score":0.04650787649395531,"num_words":74,"start":462.935,"end":488.33502},{"sentences":[{"text":"Beauty.","start":490.315,"end":490.815,"sentiment":"neutral","sentiment_score":0.15016216039657593},{"text":"Unfortunately, there's Gross income.","start":491.515,"end":501.08002,"sentiment":"neutral","sentiment_score":-0.2535179555416107},{"text":"So before any kind of tax concessions or anything like that, they just go total income, total contributions, and then they just see if it's above the threshold.","start":503.14,"end":511.96,"sentiment":"neutral","sentiment_score":-0.1823784996356283},{"text":"There's not much to be done about it.","start":514.77496,"end":516.135,"sentiment":"negative","sentiment_score":-0.3442871868610382},{"text":"It's just an extra tax they lump on to people who have done decently well.","start":516.135,"end":519.995,"sentiment":"neutral","sentiment_score":-0.06735656857490539}],"sentiment":"neutral","sentiment_score":-0.17384202991213119,"num_words":56,"start":490.315,"end":519.995},{"sentences":[{"text":"I wouldn't call you the top 1%, mate, but if you hit two fifty, that's what they call it.","start":520.055,"end":523.995,"sentiment":"neutral","sentiment_score":-0.11111170641685787},{"text":"Absolutely.","start":528.83,"end":529.33,"sentiment":"neutral","sentiment_score":0.19665326178073883},{"text":"Assets wise, home investment property.","start":530.83,"end":534.13,"sentiment":"neutral","sentiment_score":0.08557417541742325},{"text":"We Yeah.","start":536.03,"end":536.85004,"sentiment":"neutral","sentiment_score":-0.014890243299305439},{"text":"Yep.","start":538.03,"end":538.53,"sentiment":"neutral","sentiment_score":0.03665318712592125}],"sentiment":"neutral","sentiment_score":-0.0528473422330405,"num_words":28,"start":520.055,"end":538.53},{"sentences":[{"text":"Just just round figures wise, I think we had 700 and 90,000 owing on the home and about 200,000 owing on the investment property.","start":539.07,"end":548.915,"sentiment":"neutral","sentiment_score":0.027285423285017412},{"text":"And home value 1.1, the investment property, 400.","start":550.895,"end":551.715,"sentiment":"neutral","sentiment_score":0.015333524206653237},{"text":"Three property 400.","start":553.615,"end":555.33,"sentiment":"neutral","sentiment_score":0.01061963631461064},{"text":"Three cars, about $50 in offset.","start":557.31,"end":560.85,"sentiment":"neutral","sentiment_score":-0.015405918781956037},{"text":"I don't know if your savings have kind of increased or decreased.","start":560.91,"end":563.49,"sentiment":"neutral","sentiment_score":-0.11564800639947255}],"sentiment":"neutral","sentiment_score":-0.012657251472602476,"num_words":53,"start":539.07,"end":563.49},{"sentences":[{"text":"Cool.","start":567.07,"end":567.465,"sentiment":"neutral","sentiment_score":0.1910274177789688},{"text":"And the other thing was a helicopter.","start":567.625,"end":569.16504,"sentiment":"neutral","sentiment_score":0.0994263727750097},{"text":"Sensational.","start":571.145,"end":571.645,"sentiment":"neutral","sentiment_score":0.04923577606678009},{"text":"No other, like, shares or loans, personal loans, or anything like that?","start":572.185,"end":577.085,"sentiment":"neutral","sentiment_score":-0.05210902045170466},{"text":"Yep.","start":584.19995,"end":584.69995,"sentiment":"neutral","sentiment_score":0.011653195135295393}],"sentiment":"neutral","sentiment_score":0.014663306953893467,"num_words":22,"start":567.07,"end":584.69995},{"sentences":[{"text":"35 thousand dollars.","start":585.32,"end":586.69995,"sentiment":"neutral","sentiment_score":-0.030425123870372772},{"text":"Get to put together.","start":596.97504,"end":597.85504,"sentiment":"neutral","sentiment_score":0.12752147018909454},{"text":"That's cool.","start":597.85504,"end":598.59503,"sentiment":"neutral","sentiment_score":0.29841169714927673},{"text":"Are they those little small ones that you can take out to the park and zip around with the remote control?","start":600.015,"end":605.135,"sentiment":"neutral","sentiment_score":0.0713602417104301},{"text":"Are we talking, like, sit in it?","start":605.135,"end":606.755,"sentiment":"neutral","sentiment_score":-0.0359507075377873}],"sentiment":"neutral","sentiment_score":0.06114983855671174,"num_words":37,"start":585.32,"end":606.755},{"sentences":[{"text":"Oh, wow.","start":610.68005,"end":611.42004,"sentiment":"neutral","sentiment_score":0.17133931070566177},{"text":"Yeah.","start":614.28,"end":614.78,"sentiment":"neutral","sentiment_score":0.07191802561283112},{"text":"Oh, cool.","start":621.88,"end":622.395,"sentiment":"positive","sentiment_score":0.36076244711875916},{"text":"Yeah.","start":625.435,"end":625.755,"sentiment":"neutral","sentiment_score":0.14646321535110474},{"text":"Yeah.","start":625.755,"end":626.23505,"sentiment":"neutral","sentiment_score":0.16726472973823547}],"sentiment":"neutral","sentiment_score":0.20712135519300187,"num_words":7,"start":610.68005,"end":626.23505},{"sentences":[{"text":"Alright.","start":626.23505,"end":626.73505,"sentiment":"neutral","sentiment_score":0.2618483006954193},{"text":"Kit built helicopters.","start":627.275,"end":628.41504,"sentiment":"positive","sentiment_score":0.500023752450943},{"text":"That sounds cool.","start":628.555,"end":629.435,"sentiment":"positive","sentiment_score":0.6586019396781921},{"text":"I've never heard of that before.","start":629.435,"end":630.73505,"sentiment":"neutral","sentiment_score":0.19817253450552622},{"text":"Alright.","start":632.79504,"end":633.29504,"sentiment":"neutral","sentiment_score":0.11291881650686264}],"sentiment":"positive","sentiment_score":0.3599771000444889,"num_words":14,"start":626.23505,"end":633.29504},{"sentences":[{"text":"Yeah.","start":637.59503,"end":637.92,"sentiment":"neutral","sentiment_score":0.07585464417934418},{"text":"And what up to, like, two theaters?","start":639.83997,"end":641.36,"sentiment":"neutral","sentiment_score":0.03811281121202877},{"text":"Or Yeah.","start":641.36,"end":658.355,"sentiment":"neutral","sentiment_score":0.044673413038253784},{"text":"I'm seeing mosquitoes online.","start":660.015,"end":662.28,"sentiment":"neutral","sentiment_score":0.022157687228173018},{"text":"Oh.","start":664.2,"end":664.7,"sentiment":"neutral","sentiment_score":0.015085889957845213}],"sentiment":"neutral","sentiment_score":0.0357138525073727,"num_words":15,"start":637.59503,"end":664.7},{"sentences":[{"text":"Yeah.","start":665.24005,"end":665.74005,"sentiment":"neutral","sentiment_score":0.015910949558019638},{"text":"That kind of similar to that.","start":666.52,"end":668.62006,"sentiment":"neutral","sentiment_score":0.0104328035376966},{"text":"Yeah.","start":676.76,"end":677.0,"sentiment":"neutral","sentiment_score":0.017078319564461708},{"text":"Yeah.","start":677.0,"end":677.24005,"sentiment":"neutral","sentiment_score":0.01895029842853546},{"text":"I can see that.","start":677.24005,"end":677.865,"sentiment":"neutral","sentiment_score":0.03836441598832607}],"sentiment":"neutral","sentiment_score":0.020614927133115437,"num_words":13,"start":665.24005,"end":677.865},{"sentences":[{"text":"It's the I don't know if you remember the old Mad Max movies, but it kinda reminds me of that a little bit.","start":677.865,"end":682.525,"sentiment":"neutral","sentiment_score":0.02668166044421251},{"text":"Guys flying around the yeah.","start":683.465,"end":688.825,"sentiment":"neutral","sentiment_score":0.035040168464183806},{"text":"Okay.","start":688.825,"end":689.325,"sentiment":"neutral","sentiment_score":0.03589773178100586},{"text":"Yep.","start":705.655,"end":706.155,"sentiment":"neutral","sentiment_score":0.0008447302971035242},{"text":"Uh-huh.","start":729.94995,"end":730.11,"sentiment":"neutral","sentiment_score":0.07780113071203232}],"sentiment":"neutral","sentiment_score":0.02914266533315963,"num_words":31,"start":677.865,"end":730.11},{"sentences":[{"text":"Oh, that's cool.","start":730.11,"end":730.995,"sentiment":"positive","sentiment_score":0.4561902582645416},{"text":"Yeah.","start":731.235,"end":731.395,"sentiment":"neutral","sentiment_score":0.209037184715271},{"text":"I've just got the old Google open.","start":731.395,"end":733.175,"sentiment":"neutral","sentiment_score":0.06551858357020787},{"text":"So one's a gyrocopter.","start":735.635,"end":737.015,"sentiment":"neutral","sentiment_score":0.07454499416053295},{"text":"Yep.","start":740.675,"end":741.175,"sentiment":"neutral","sentiment_score":0.26113635301589966}],"sentiment":"neutral","sentiment_score":0.1622221483848989,"num_words":16,"start":730.11,"end":741.175},{"sentences":[{"text":"Cool.","start":741.795,"end":742.295,"sentiment":"positive","sentiment_score":0.449701726436615},{"text":"Oh, that's awesome.","start":743.15497,"end":743.955,"sentiment":"positive","sentiment_score":0.6280737916628519},{"text":"I've never seen that before in a in someone's fact find with their assets.","start":743.955,"end":747.13,"sentiment":"neutral","sentiment_score":0.23790395366294043},{"text":"So I thought, oh, hella cup.","start":747.13,"end":748.37,"sentiment":"neutral","sentiment_score":0.2197899123032888},{"text":"That's cool.","start":748.37,"end":749.11,"sentiment":"neutral","sentiment_score":0.2755085751414299}],"sentiment":"neutral","sentiment_score":0.28978211833880496,"num_words":26,"start":741.795,"end":749.11},{"sentences":[{"text":"I have had some one of those guys that do the old what's those backpack with the with the big spinners on them at the beach with flying around with the the parachute.","start":751.01,"end":759.045,"sentiment":"neutral","sentiment_score":0.08153721475691507},{"text":"Yeah.","start":761.66504,"end":761.905,"sentiment":"neutral","sentiment_score":0.03944345563650131},{"text":"With the parachute and the jetpack on the back.","start":761.905,"end":764.305,"sentiment":"neutral","sentiment_score":0.04921535526712736},{"text":"That's yeah.","start":764.305,"end":768.085,"sentiment":"neutral","sentiment_score":0.16655609756708145},{"text":"Give you some ideas for the next one.","start":771.36005,"end":773.14,"sentiment":"neutral","sentiment_score":0.10903650987893343}],"sentiment":"neutral","sentiment_score":0.08261347196574481,"num_words":53,"start":751.01,"end":773.14},{"sentences":[{"text":"I'll say give you some ideas for the next one.","start":774.48004,"end":776.16003,"sentiment":"neutral","sentiment_score":0.08207136243581772},{"text":"You should pick one up.","start":776.16003,"end":777.30005,"sentiment":"neutral","sentiment_score":0.2425850510597229},{"text":"Oh, Shane, while I've got you as well, speaking of helicopters and everything, is there anything else, like, goals wise that's a cash flow priority for you for the next few years that I need to update?","start":781.60004,"end":794.28503,"sentiment":"neutral","sentiment_score":0.04971619650117449},{"text":"Yep.","start":803.48,"end":803.8,"sentiment":"neutral","sentiment_score":0.09026630222797394},{"text":"So just work on the properties, build the savings, have a bit of fun, and we'll focus on the Supra.","start":803.8,"end":808.725,"sentiment":"neutral","sentiment_score":0.1926786072552204}],"sentiment":"neutral","sentiment_score":0.10708187119907712,"num_words":73,"start":774.48004,"end":808.725},{"sentences":[{"text":"Cool.","start":812.165,"end":812.665,"sentiment":"neutral","sentiment_score":0.28956034779548645},{"text":"Alrighty.","start":812.725,"end":813.225,"sentiment":"neutral","sentiment_score":0.24122969806194303},{"text":"I've got all the goals updated, your details.","start":814.96497,"end":817.865,"sentiment":"neutral","sentiment_score":0.19638712471351027},{"text":"Is your BigPond email address still okay for all correspondence?","start":818.565,"end":821.785,"sentiment":"neutral","sentiment_score":0.2841416224837303},{"text":"Perfect.","start":825.49,"end":825.99,"sentiment":"positive","sentiment_score":0.7174744606018066}],"sentiment":"neutral","sentiment_score":0.26956084423831533,"num_words":21,"start":812.165,"end":825.99},{"sentences":[{"text":"And then just in terms of relationship status, we've got you de facto with no dependents currently.","start":826.68994,"end":835.305,"sentiment":"neutral","sentiment_score":0.3234843190978555},{"text":"Cool.","start":836.72504,"end":837.22504,"sentiment":"positive","sentiment_score":0.4633728265762329},{"text":"And that should be about it.","start":838.245,"end":839.865,"sentiment":"neutral","sentiment_score":0.3302147587140401},{"text":"Savings wise, with the income going up, have you got a a set savings amount that you've managed to budget for now, or is it kind of a bit sporadic?","start":839.92505,"end":855.11,"sentiment":"neutral","sentiment_score":0.11598994433879853},{"text":"Yeah.","start":864.465,"end":864.965,"sentiment":"neutral","sentiment_score":-0.11769481003284454}],"sentiment":"neutral","sentiment_score":0.20556178770282052,"num_words":55,"start":826.68994,"end":864.965},{"sentences":[{"text":"0, gotcha.","start":882.32,"end":883.275,"sentiment":"neutral","sentiment_score":-0.027611007913947105},{"text":"Oh, gotcha.","start":889.67505,"end":889.755,"sentiment":"neutral","sentiment_score":-0.00048777973279356956},{"text":"Is that pretty similar in terms of if you got $45 out that we can put down that helicopter is valued at 45, or is it a bit more than that?","start":889.755,"end":898.91003,"sentiment":"neutral","sentiment_score":-0.01189304590826073},{"text":"Yep.","start":916.505,"end":917.005,"sentiment":"neutral","sentiment_score":0.04545747861266136},{"text":"50.","start":920.66504,"end":921.16504,"sentiment":"neutral","sentiment_score":0.014612818136811256}],"sentiment":"neutral","sentiment_score":-0.009859775721624092,"num_words":37,"start":882.32,"end":921.16504},{"sentences":[{"text":"Okay.","start":929.13,"end":929.61,"sentiment":"neutral","sentiment_score":0.03300570696592331},{"text":"I might even just put in there 50 purchase price, a 150 possible value just as an estimate.","start":929.61,"end":935.145,"sentiment":"neutral","sentiment_score":0.0269270862142245},{"text":"Obviously, it doesn't impact your super, but at least the context is there.","start":936.16504,"end":939.385,"sentiment":"neutral","sentiment_score":-0.11903427541255951},{"text":"With the the personal loan, so the last thing I wanted to check with you before I let you go is Kyle's previous recommendation around the life insurance was that when we close down CareSuper, that will essentially cancel the cover that was attached to it because you do have quite a bit in assets, and you've got some cover with AustralianSuper too.","start":943.36505,"end":966.695,"sentiment":"neutral","sentiment_score":-0.15590634149691415},{"text":"So what that looks like is 77,000 worth of life and total disability insurance would be canceled, and then your life and TPD and a bit of income protection with AustralianSuper would stay.","start":966.755,"end":980.79,"sentiment":"neutral","sentiment_score":-0.05959586641102126}],"sentiment":"neutral","sentiment_score":-0.10014465177664533,"num_words":128,"start":929.13,"end":980.79},{"sentences":[{"text":"And I think 37,000 of life insurance, 9,000 of TPD, and 2,800 a month worth of income replacement.","start":984.20996,"end":992.41504,"sentiment":"neutral","sentiment_score":0.05772211940752135},{"text":"2,800.","start":996.555,"end":997.435,"sentiment":"neutral","sentiment_score":0.03257028013467789},{"text":"Yeah.","start":997.435,"end":997.59503,"sentiment":"neutral","sentiment_score":0.09153547883033752},{"text":"It's a very small small policy.","start":997.59503,"end":1000.05,"sentiment":"neutral","sentiment_score":0.05906183458864689},{"text":"Yeah.","start":1007.01,"end":1007.25,"sentiment":"neutral","sentiment_score":0.12604422867298126}],"sentiment":"neutral","sentiment_score":0.06087107942612083,"num_words":27,"start":984.20996,"end":1007.25},{"sentences":[{"text":"The only other way to get a new policy is we would go through, like, full underwriting, health and occupation, and do some quotes up with some insurers and see if anyone would offer a good deal.","start":1007.25,"end":1019.90497,"sentiment":"neutral","sentiment_score":0.1943170335647222},{"text":"I can have a look into it.","start":1021.40497,"end":1023.165,"sentiment":"neutral","sentiment_score":0.22234574173177993},{"text":"We definitely have to keep what you've got at the time being, but the income protection price, once you hit your fifties, you could be looking at 3 to 7,000 a year.","start":1023.165,"end":1033.3,"sentiment":"neutral","sentiment_score":-0.0387377591105178},{"text":"And before you know it, I've seen some policies recently of people who are about 58, 59, and they walked in the door.","start":1035.6,"end":1041.76,"sentiment":"neutral","sentiment_score":-0.048158502287190895},{"text":"One was $12,000 a year, one was 20.","start":1041.76,"end":1049.375,"sentiment":"neutral","sentiment_score":-0.023089065914973617}],"sentiment":"neutral","sentiment_score":0.05807648656593862,"num_words":107,"start":1007.25,"end":1049.375},{"sentences":[{"text":"Yeah.","start":1049.755,"end":1050.1549,"sentiment":"neutral","sentiment_score":-0.044355668127536774},{"text":"To to protect a 6 figure income.","start":1050.1549,"end":1052.395,"sentiment":"neutral","sentiment_score":-0.07702894721712385},{"text":"They were admittedly a bit more blue collar, which is a bit more expensive.","start":1052.395,"end":1056.575,"sentiment":"neutral","sentiment_score":-0.23865348632846559},{"text":"But the moment you hit the fifties, they do increase it, you know, 1,000, 2,000 a year pretty quickly.","start":1057.355,"end":1062.33,"sentiment":"neutral","sentiment_score":-0.1162260947258849},{"text":"It's like a bit of a hockey stick graph.","start":1062.33,"end":1064.19,"sentiment":"neutral","sentiment_score":-0.15495366106430689}],"sentiment":"neutral","sentiment_score":-0.15055171713232995,"num_words":50,"start":1049.755,"end":1064.19},{"sentences":[{"text":"Starts off under a grand when you're 30, and then it's $2.5 when you're 40, and then it's 7, then it's 12, then it's 15.","start":1064.4099,"end":1070.75,"sentiment":"neutral","sentiment_score":-0.08095135867595672},{"text":"Oh, yeah.","start":1098.36,"end":1098.84,"sentiment":"neutral","sentiment_score":-0.16157429665327072},{"text":"Yeah.","start":1098.84,"end":1099.245,"sentiment":"neutral","sentiment_score":-0.12416135519742966},{"text":"Yep.","start":1121.34,"end":1121.84,"sentiment":"neutral","sentiment_score":-0.05386832356452942},{"text":"Oh.","start":1130.635,"end":1131.135,"sentiment":"neutral","sentiment_score":-0.06755881756544113}],"sentiment":"neutral","sentiment_score":-0.08641736855109533,"num_words":30,"start":1064.4099,"end":1131.135},{"sentences":[{"text":"Right.","start":1143.13,"end":1143.37,"sentiment":"neutral","sentiment_score":0.007486841641366482},{"text":"They just switched him.","start":1143.37,"end":1144.67,"sentiment":"neutral","sentiment_score":0.0010632993653416634},{"text":"Yeah.","start":1150.01,"end":1150.425,"sentiment":"neutral","sentiment_score":-0.08480289578437805},{"text":"Yeah.","start":1161.785,"end":1162.285,"sentiment":"negative","sentiment_score":-0.36115291714668274},{"text":"And all of a sudden, that income that's holding it all up is just all of a sudden half or less?","start":1163.785,"end":1169.0,"sentiment":"negative","sentiment_score":-0.350586473941803}],"sentiment":"neutral","sentiment_score":-0.2784475616645068,"num_words":28,"start":1143.13,"end":1169.0},{"sentences":[{"text":"Yeah.","start":1176.82,"end":1177.14,"sentiment":"neutral","sentiment_score":-0.03238726407289505},{"text":"They could file.","start":1177.14,"end":1178.2,"sentiment":"neutral","sentiment_score":-0.054842342933019005},{"text":"No.","start":1183.835,"end":1184.155,"sentiment":"neutral","sentiment_score":-0.16095682978630066},{"text":"It only does illness and injury.","start":1184.155,"end":1186.8151,"sentiment":"neutral","sentiment_score":-0.17431148141622543},{"text":"Not legally allowed to do kind of redundancy or unemployment insurance because it competes, obviously, with Centrelink.","start":1188.475,"end":1195.61,"sentiment":"neutral","sentiment_score":-0.2303504444220487}],"sentiment":"neutral","sentiment_score":-0.18998919879751547,"num_words":28,"start":1176.82,"end":1195.61},{"sentences":[{"text":"I would have thought that they would have some sort of oh, I don't guess you guys are unionized, are you?","start":1196.71,"end":1206.07,"sentiment":"neutral","sentiment_score":-0.13030950210633732},{"text":"Because I know that some of the big, like, mining unions and things like that, if someone if something happens like that, they do have a pool of funds to help supplement people's families and things like that.","start":1206.07,"end":1216.6151,"sentiment":"neutral","sentiment_score":-0.07038006284519245},{"text":"I don't know if you guys have the same.","start":1216.6151,"end":1218.395,"sentiment":"neutral","sentiment_score":-0.14872041758563784},{"text":"Yep.","start":1220.935,"end":1221.435,"sentiment":"neutral","sentiment_score":0.042469825595617294},{"text":"Might be worth joining the next union meeting and checking.","start":1221.655,"end":1224.88,"sentiment":"neutral","sentiment_score":0.05668606758117676}],"sentiment":"neutral","sentiment_score":-0.07772272391409814,"num_words":79,"start":1196.71,"end":1224.88},{"sentences":[{"text":"Yeah.","start":1227.02,"end":1227.34,"sentiment":"neutral","sentiment_score":-0.17910334467887878},{"text":"Because that's a big risk in your industry compared to most other professions.","start":1227.34,"end":1232.24,"sentiment":"negative","sentiment_score":-0.5437984329003555},{"text":"I mean, there's always ways that you can mess up and be stood down, but that's a very simple thing of you slip up and you do the wrong speed, and all of a sudden, that whole thing's gone.","start":1232.54,"end":1240.8151,"sentiment":"negative","sentiment_score":-0.5158697309402319},{"text":"Yeah.","start":1256.01,"end":1256.51,"sentiment":"neutral","sentiment_score":-0.1400837004184723},{"text":"What I might do is but I'll still just do up, like, a income protection quote.","start":1256.5701,"end":1261.725,"sentiment":"neutral","sentiment_score":-0.06805622321553528}],"sentiment":"negative","sentiment_score":-0.40851979644170827,"num_words":70,"start":1227.02,"end":1261.725},{"sentences":[{"text":"But with train driving, that occupation, they might not insure for.","start":1262.0449,"end":1266.5449,"sentiment":"neutral","sentiment_score":-0.1619400537826798},{"text":"So I know there's some specific ones like pilots, trains, firefighters that are, you know, prison guard kind of excluded from the standard rotation.","start":1266.765,"end":1278.67,"sentiment":"neutral","sentiment_score":-0.12899189814925194},{"text":"So I don't really like the chances of getting one.","start":1279.29,"end":1281.77,"sentiment":"negative","sentiment_score":-0.3471626192331314},{"text":"I definitely think the the Australian Super one is probably worth keeping.","start":1281.77,"end":1284.89,"sentiment":"neutral","sentiment_score":0.3158639905353387},{"text":"Even though it's minimal, it's better than zero.","start":1284.89,"end":1287.9501,"sentiment":"neutral","sentiment_score":0.07182022836059332}],"sentiment":"neutral","sentiment_score":-0.061289886557138885,"num_words":65,"start":1262.0449,"end":1287.9501},{"sentences":[{"text":"Yeah.","start":1299.485,"end":1299.8049,"sentiment":"neutral","sentiment_score":0.08878909051418304},{"text":"So the the care one, you can, which would mean basically you're for that 37,000 worth of life insurance and total disability, sorry, 77, you would opt into the cover, sign a letter saying we don't want this to cancel if it's still there.","start":1299.8049,"end":1315.6299,"sentiment":"neutral","sentiment_score":0.024793728170069782},{"text":"And at most, you might have to throw in a small contribution once every year or two just so it doesn't go into an inactive state where they cancel it.","start":1315.85,"end":1325.225,"sentiment":"neutral","sentiment_score":-0.0283432820190986},{"text":"Yeah.","start":1328.8049,"end":1329.125,"sentiment":"neutral","sentiment_score":0.1174866110086441},{"text":"It just obviously, the risk is you you're just running those for those policies.","start":1329.125,"end":1332.6649,"sentiment":"neutral","sentiment_score":-0.2017615112875189}],"sentiment":"neutral","sentiment_score":-0.02641955419547028,"num_words":90,"start":1299.485,"end":1332.6649},{"sentences":[{"text":"We'll keep them going.","start":1333.8201,"end":1334.9401,"sentiment":"neutral","sentiment_score":0.16673544049263},{"text":"But if you prefer to kind of have that extra little buffer there, I can do the research, make sure it's still in force.","start":1334.9401,"end":1341.76,"sentiment":"neutral","sentiment_score":0.1627335986122489},{"text":"And if it is, we can get you to opt into it, and then we can just look after it for a little while longer.","start":1341.8201,"end":1346.605,"sentiment":"neutral","sentiment_score":0.16195696651935576},{"text":"Yep.","start":1357.065,"end":1357.38,"sentiment":"neutral","sentiment_score":0.18607591092586517},{"text":"So for now, I'm just gonna I think we're updating the hub twenty four portfolio, switching a couple of investments around.","start":1357.46,"end":1364.36,"sentiment":"neutral","sentiment_score":0.18657462085996354}],"sentiment":"neutral","sentiment_score":0.16967486987511318,"num_words":75,"start":1333.8201,"end":1364.36},{"sentences":[{"text":"We'll do a bit of a sweep across from Australian super because that's built up, like you said, and then I'll just make sure both of them remain in force, get a bit of research on insurance options, and then we can touch base on that for the next one as well, whether we close them or keep them for another four or five years.","start":1364.9,"end":1381.975,"sentiment":"neutral","sentiment_score":0.06510026838916999},{"text":"Sound good?","start":1383.555,"end":1384.375,"sentiment":"neutral","sentiment_score":0.2659578025341034},{"text":"Cool.","start":1385.715,"end":1386.215,"sentiment":"positive","sentiment_score":0.5642637014389038},{"text":"Alright.","start":1386.55,"end":1386.87,"sentiment":"positive","sentiment_score":0.38400453329086304},{"text":"So I'll get working on that.","start":1386.87,"end":1388.39,"sentiment":"neutral","sentiment_score":0.3219405363003413}],"sentiment":"neutral","sentiment_score":0.10191126003861427,"num_words":75,"start":1364.9,"end":1388.39},{"sentences":[{"text":"Just keep an ear out if the team reaches out to sign another authority if we need to for the research, and I'm just going on a a small bit of leave with the family next week.","start":1388.39,"end":1399.03,"sentiment":"neutral","sentiment_score":0.11961831897497177},{"text":"As soon as I get back, that research will be completed, and I can kind of go through the updated plan with you and get you booked in.","start":1399.03,"end":1405.745,"sentiment":"neutral","sentiment_score":0.20299391794417584},{"text":"So if I have a look next week, we'll have a we'll probably have our meeting booked by the end of the month.","start":1412.4451,"end":1419.5701,"sentiment":"neutral","sentiment_score":0.04757364685444728},{"text":"Yeah.","start":1421.23,"end":1421.73,"sentiment":"neutral","sentiment_score":0.07459450513124466},{"text":"Just as soon as I get back, I know that people have already been booked in.","start":1422.3501,"end":1426.53,"sentiment":"neutral","sentiment_score":0.02395484468434006}],"sentiment":"neutral","sentiment_score":0.1110645085927986,"num_words":105,"start":1388.39,"end":1426.53},{"sentences":[{"text":"So I just need to find a good time and day for you as soon as I've got the research done.","start":1426.8301,"end":1430.93,"sentiment":"neutral","sentiment_score":0.04285367933057603},{"text":"But if there's any, like, delay with AustralianSuper or CareSuper, it might push it out a little bit.","start":1431.23,"end":1435.1151,"sentiment":"neutral","sentiment_score":-0.29260214335388607},{"text":"So I don't wanna give you a time frame and and not hit it.","start":1435.1151,"end":1438.5751,"sentiment":"neutral","sentiment_score":-0.2498355039528438},{"text":"Yep.","start":1443.275,"end":1443.675,"sentiment":"neutral","sentiment_score":0.05436351150274277},{"text":"No worries.","start":1443.675,"end":1444.35,"sentiment":"neutral","sentiment_score":0.03066304512321949}],"sentiment":"neutral","sentiment_score":-0.1383735494289015,"num_words":56,"start":1426.8301,"end":1444.35},{"sentences":[{"text":"Outside of that, so I've got everything I need to kind of refresh the advice and tweak the direction a little bit.","start":1445.71,"end":1451.39,"sentiment":"neutral","sentiment_score":0.04826958866959268},{"text":"Do you have any other questions for me at this point or anything else I can kind of factor in?","start":1451.39,"end":1455.73,"sentiment":"neutral","sentiment_score":0.07088341536000371},{"text":"Cool.","start":1461.025,"end":1461.525,"sentiment":"neutral","sentiment_score":0.15681259334087372},{"text":"Alrighty.","start":1463.025,"end":1463.525,"sentiment":"neutral","sentiment_score":0.17783230543136597},{"text":"Well, I'll jump on to that now.","start":1463.5851,"end":1466.165,"sentiment":"neutral","sentiment_score":0.1677490845322609}],"sentiment":"neutral","sentiment_score":0.07820564212606233,"num_words":51,"start":1445.71,"end":1466.165},{"sentences":[{"text":"We'll reach out to you this week for any research requirements and then just keep an ear out for a booking in a few weeks' time.","start":1466.225,"end":1471.845,"sentiment":"neutral","sentiment_score":0.2592138900206639},{"text":"Awesome, Shane.","start":1473.5851,"end":1474.225,"sentiment":"positive","sentiment_score":0.8441645801067352},{"text":"Look.","start":1474.225,"end":1474.385,"sentiment":"positive","sentiment_score":0.7188279628753662},{"text":"I appreciate the time this morning, and thanks for updating your details with me as well.","start":1474.385,"end":1478.3201,"sentiment":"positive","sentiment_score":0.7947285659611225},{"text":"I appreciate that.","start":1478.3201,"end":1479.38,"sentiment":"positive","sentiment_score":0.7606310645739237}],"sentiment":"positive","sentiment_score":0.5030055940151215,"num_words":48,"start":1466.225,"end":1479.38},{"sentences":[{"text":"Awesome, mate.","start":1481.68,"end":1482.24,"sentiment":"positive","sentiment_score":0.8678820133209229},{"text":"Have a fantastic week.","start":1482.24,"end":1483.62,"sentiment":"positive","sentiment_score":0.81856270134449},{"text":"Thank you.","start":1486.0,"end":1486.56,"sentiment":"positive","sentiment_score":0.6675021648406982},{"text":"Bye.","start":1486.56,"end":1487.06,"sentiment":"positive","sentiment_score":0.37473177909851074}],"sentiment":"positive","sentiment_score":0.7466389934221903,"num_words":9,"start":1481.68,"end":1487.06}]}}]},{"alternatives":[{"transcript":"Hello? Sorry. Say that again? Yes. How are you going? I sure do. Yep. Yep. 06/10/1970. 21 King Street, Wallen, Victoria. Yeah. Yep. Yep. Yeah. I think it was closing care. I think it was called. Yeah. That's that's what my wage was paid into. Pipping that one for the insurance. And I think what the strategy was to, I think, every year take out most of the funds in Australian Super and transfer them to is it a 124? Yeah. Yeah. I'm still happy to do that. Yep. Right. And what do I have to do with that? Oh, okay. Is that why nothing was done last time? Because I okay. Yep. Okay. Yep. Yep. What advice do you guess regarding property anyway? Oh, okay. Yep. Yep. Yeah. Hopefully, it'll well, hopefully, it'll come back like it did back in the eighties, I think it was, after about two years when they realized it wasn't quite working the way they expected. Yep. Yep. Yep. Yeah. For sure. Yep. Yep. Well, that's essentially gone up. My my tax return, it was a 178,000. But it would have been more because I had a month off work without paying, and that cost me about $18,000. It'll be it'll be over it'll be 200. And plus three quarters of probably a quarter of that was still on a training wage. So I was only on full pay since September last year. So it'll be well over 200. Okay. So September last year. So it'll be well over 200. Yep. And what does that mean? Yes. Right. Really? Even if you're not contributing anymore. Okay. So what are you doing with mine at this point in time? Okay. Yep. Yep. Yep. Right. Right. But that's above what? So that's getting up to 250 k income. Yep. Okay. Yep. Right. Right. But that would be that would be calculated from my taxable income, won't it? Like, when I do my tax return? Yeah. Okay. Yep. Yep. Yeah. I still be happy with that. So most of it. Yeah. No no changes there. Yep. Yep. Yep. No. It's about the same. Yep. I've got a personal loan now for $45,000. No. It's just for another another home built helicopter. Well, it's a kit. We gotta put it together now. No. They're no. You're silly, man. It's a one that you fly. So you're gonna get your pilot's license and, you know, get a certificate of willingness for it, you know, you know, permit to fly it and so forth. So they're they're real things, but they they keep built. A lot of fun. I mean, you can buy you can get them for, you know, small single seat airplanes as well. So yeah. Well, you can get two feet airplanes as well as two feet hip built helicopters, which is the other one I've got. But yeah. Like, it's a yeah. It's pretty common thing where you're you're buying with the kit and you build them. Mosquito helicopter? Yeah. Similar to that. My one's called a helicopter. The one I was just bought. It should be just do a quick Google search. It'll should pop up. Let me have a look. Yeah. It's sort of like that. That one in Mad Max is a a gyrocopter, which it's still a little bit different in the the, I guess, the technology in which makes them fly because the helicopter uses it's like a normal helicopter. Like, the engine drives the main rotor blades. But in the Max, the actual rotor blades turn automatically with forward motion of the aircraft. So he's got a propeller at the back, which propels it forward, which causes the rotor blades to turn automatically just with the incoming airflow, and that's what causes it to to lift off the ground. But they're, you know, they're still a lot of fun as well. Yeah. The Mad Max one is a gyrocopter. Really? Yeah. Oh, with the big canopy, like a powered parachute. Yeah. I reckon I reckon that'll be a lot of fun too. It's like a with an engine. Sorry? Oh, I do. I'd I'd like to try it. Definitely. Not really. No. Not that I can not that I can think of. Oh, yeah. Yeah. Yeah. Yep. I have been changed. Yep. Well, I guess my my intention is to pay off that helicopter loan. I got down fairly quickly. Because I could have bought it cash, but then I sort of so, well, the difference between the offset of the amount and what I'd pay in cash wasn't all that much. I think it's about two cents. So I thought, well, I'll just get the loan and then pay that down as quick as I can. Well, the helicopter, like, brand new. They're a 150 k landed in Australia. And I bought that off somebody who had bought it brand new, and I've started the build but never finished it. I I actually bought it for 50. So still brand new, still never flown, never run, never finished. But yeah. Right. Yep. Yep. And how much was that? $2,000 a month. So how do I increase all of that? Do I have to get in contact with AustralianSuper? Well. And that was just income protection, was it? Yep. And what happens if you lose your job just through I don't know. Let's say you well, one of the things that worries me with my job, which I've seen other people do other drivers, they might have a pretty bad or a safety critical error, for example. And they can lose their jobs in in that respect. For example, we had one guy who was instructed to reduce his speed to 25 kilometers an hour throughout a section of track where they had track workers. And he got a call on the radio for that. But then by the time he got there, he forgot. And then he had been flying through there at track speed, which was a 130. And, yeah, he got stood down immediately. And, actually, he didn't get the sack. He he but he never drove again, and he's now working doing admin work. So they yeah. They retained him as an employee, but he's now on half the wage. And that that's the sort of thing that worries me where, you know, you might accidentally do something wrong and lose your job even though yeah. Exactly. Exactly. And there's no guarantee they're gonna keep you employed either in that scenario. Yeah. So does the income protection protect you for that? Yeah. We do we do have a union. Yeah. I don't know. I'm finding out. Yeah. No. Absolutely. Yeah. Absolutely. Yeah. So people are gonna have big mortgages and, you know, expensive lifestyles, but there's always the potential of it all coming crashing down if if I mess up. Yep. Yep. Yep. So am I allowed to have the two insurance policies, like one with Australian Super and the other with Care and have them running side by side? Yep. Yeah. It's mostly worthwhile just to know. Yeah. Yeah. I'll do the research and see what's available. And I'll make a decision once we've got all the all the options, I guess. Yep. Yep. Yep. Yep. Yep. Yep. That's fine. Yep. Okay. Yep. Yeah. No dramas. So how long would that be when you get back from your leave? Okay. Yep. Yep. Yeah. Yep. Yep. Yeah. No. I was just sort of wondering. Yeah. Just a a time frame. That's all. Yep. Not that I can think of. No. Yep. Thanks, sir. Yeah. No worries at all. You too. Okay. See you. 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Sorry. Say that again? Yes. How are you going?\n\nI sure do. Yep. Yep. 06/10/1970. 21 King Street, Wallen, Victoria.\n\nYeah. Yep. Yep. Yeah. I think it was closing care.\n\nI think it was called. Yeah. That's that's what my wage was paid into. Pipping that one for the insurance. And I think what the strategy was to, I think, every year take out most of the funds in Australian Super and transfer them to is it a 124?\n\nYeah. Yeah. I'm still happy to do that. Yep. Right.\n\nAnd what do I have to do with that? Oh, okay. Is that why nothing was done last time? Because I okay. Yep.\n\nOkay. Yep. Yep. What advice do you guess regarding property anyway? Oh, okay.\n\nYep. Yep. Yeah. Hopefully, it'll well, hopefully, it'll come back like it did back in the eighties, I think it was, after about two years when they realized it wasn't quite working the way they expected. Yep.\n\nYep. Yep. Yeah. For sure. Yep.\n\nYep. Well, that's essentially gone up. My my tax return, it was a 178,000. But it would have been more because I had a month off work without paying, and that cost me about $18,000. It'll be it'll be over it'll be 200.\n\nAnd plus three quarters of probably a quarter of that was still on a training wage. So I was only on full pay since September last year. So it'll be well over 200. Okay. So September last year.\n\nSo it'll be well over 200. Yep. And what does that mean? Yes. Right.\n\nReally? Even if you're not contributing anymore. Okay. So what are you doing with mine at this point in time? Okay.\n\nYep. Yep. Yep. Right. Right.\n\nBut that's above what? So that's getting up to 250 k income. Yep. Okay. Yep.\n\nRight. Right. But that would be that would be calculated from my taxable income, won't it? Like, when I do my tax return? Yeah.\n\nOkay. Yep. Yep. Yeah. I still be happy with that.\n\nSo most of it. Yeah. No no changes there. Yep. Yep.\n\nYep. No. It's about the same. Yep. I've got a personal loan now for $45,000.\n\nNo. It's just for another another home built helicopter. Well, it's a kit. We gotta put it together now. No.\n\nThey're no. You're silly, man. It's a one that you fly. So you're gonna get your pilot's license and, you know, get a certificate of willingness for it, you know, you know, permit to fly it and so forth. So they're they're real things, but they they keep built.\n\nA lot of fun. I mean, you can buy you can get them for, you know, small single seat airplanes as well. So yeah. Well, you can get two feet airplanes as well as two feet hip built helicopters, which is the other one I've got. But yeah.\n\nLike, it's a yeah. It's pretty common thing where you're you're buying with the kit and you build them. Mosquito helicopter? Yeah. Similar to that.\n\nMy one's called a helicopter. The one I was just bought. It should be just do a quick Google search. It'll should pop up. Let me have a look.\n\nYeah. It's sort of like that. That one in Mad Max is a a gyrocopter, which it's still a little bit different in the the, I guess, the technology in which makes them fly because the helicopter uses it's like a normal helicopter. Like, the engine drives the main rotor blades. But in the Max, the actual rotor blades turn automatically with forward motion of the aircraft.\n\nSo he's got a propeller at the back, which propels it forward, which causes the rotor blades to turn automatically just with the incoming airflow, and that's what causes it to to lift off the ground. But they're, you know, they're still a lot of fun as well. Yeah. The Mad Max one is a gyrocopter. Really?\n\nYeah. Oh, with the big canopy, like a powered parachute. Yeah. I reckon I reckon that'll be a lot of fun too. It's like a with an engine.\n\nSorry? Oh, I do. I'd I'd like to try it. Definitely. Not really.\n\nNo. Not that I can not that I can think of. Oh, yeah. Yeah. Yeah.\n\nYep. I have been changed. Yep. Well, I guess my my intention is to pay off that helicopter loan. I got down fairly quickly.\n\nBecause I could have bought it cash, but then I sort of so, well, the difference between the offset of the amount and what I'd pay in cash wasn't all that much. I think it's about two cents. So I thought, well, I'll just get the loan and then pay that down as quick as I can. Well, the helicopter, like, brand new. They're a 150 k landed in Australia.\n\nAnd I bought that off somebody who had bought it brand new, and I've started the build but never finished it. I I actually bought it for 50. So still brand new, still never flown, never run, never finished. But yeah. Right.\n\nYep. Yep. And how much was that? $2,000 a month. So how do I increase all of that?\n\nDo I have to get in contact with AustralianSuper? Well. And that was just income protection, was it? Yep. And what happens if you lose your job just through I don't know.\n\nLet's say you well, one of the things that worries me with my job, which I've seen other people do other drivers, they might have a pretty bad or a safety critical error, for example. And they can lose their jobs in in that respect. For example, we had one guy who was instructed to reduce his speed to 25 kilometers an hour throughout a section of track where they had track workers. And he got a call on the radio for that. But then by the time he got there, he forgot.\n\nAnd then he had been flying through there at track speed, which was a 130. And, yeah, he got stood down immediately. And, actually, he didn't get the sack. He he but he never drove again, and he's now working doing admin work. So they yeah.\n\nThey retained him as an employee, but he's now on half the wage. And that that's the sort of thing that worries me where, you know, you might accidentally do something wrong and lose your job even though yeah. Exactly. Exactly. And there's no guarantee they're gonna keep you employed either in that scenario.\n\nYeah. So does the income protection protect you for that? Yeah. We do we do have a union. Yeah.\n\nI don't know. I'm finding out. Yeah. No. Absolutely.\n\nYeah. Absolutely. Yeah. So people are gonna have big mortgages and, you know, expensive lifestyles, but there's always the potential of it all coming crashing down if if I mess up. Yep.\n\nYep. Yep. So am I allowed to have the two insurance policies, like one with Australian Super and the other with Care and have them running side by side? Yep. Yeah.\n\nIt's mostly worthwhile just to know. Yeah. Yeah. I'll do the research and see what's available. And I'll make a decision once we've got all the all the options, I guess.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. That's fine. Yep. Okay. Yep.\n\nYeah. No dramas. So how long would that be when you get back from your leave? Okay. Yep.\n\nYep. Yeah. Yep. Yep. Yeah.\n\nNo. I was just sort of wondering. Yeah. Just a a time frame. That's all.\n\nYep. Not that I can think of. No. Yep. Thanks, sir.\n\nYeah. No worries at all. You too. Okay. See you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.054842352867126465},{"text":"Sorry.","start":7.7599998,"end":8.16,"sentiment":"neutral","sentiment_score":-0.053547367453575134},{"text":"Say that again?","start":8.16,"end":9.059999,"sentiment":"neutral","sentiment_score":-0.04690669601162275},{"text":"Yes.","start":12.96,"end":13.2,"sentiment":"neutral","sentiment_score":0.07387964427471161},{"text":"How are you going?","start":13.2,"end":14.0199995,"sentiment":"neutral","sentiment_score":0.09791742637753487}],"sentiment":"neutral","sentiment_score":0.032612424716353415,"num_words":10,"start":0.16,"end":14.0199995},{"sentences":[{"text":"I sure do.","start":21.244999,"end":22.224998,"sentiment":"neutral","sentiment_score":0.2740176518758138},{"text":"Yep.","start":28.845,"end":29.345,"sentiment":"neutral","sentiment_score":0.11529825627803802},{"text":"Yep.","start":40.96,"end":41.2,"sentiment":"neutral","sentiment_score":0.019534816965460777},{"text":"06/10/1970.","start":41.2,"end":42.88,"sentiment":"neutral","sentiment_score":0.016203543171286583},{"text":"21 King Street, Wallen, Victoria.","start":42.88,"end":44.9,"sentiment":"neutral","sentiment_score":0.01832516361027956}],"sentiment":"neutral","sentiment_score":0.09679230819032951,"num_words":11,"start":21.244999,"end":44.9},{"sentences":[{"text":"Yeah.","start":58.214996,"end":58.71,"sentiment":"neutral","sentiment_score":-0.07104628533124924},{"text":"Yep.","start":68.07,"end":68.57,"sentiment":"neutral","sentiment_score":0.005268221255391836},{"text":"Yep.","start":79.945,"end":80.445,"sentiment":"neutral","sentiment_score":0.04229092225432396},{"text":"Yeah.","start":95.57,"end":95.89,"sentiment":"neutral","sentiment_score":-0.007811984047293663},{"text":"I think it was closing care.","start":95.89,"end":99.35,"sentiment":"neutral","sentiment_score":-0.05505334337552389}],"sentiment":"neutral","sentiment_score":-0.036161918612197044,"num_words":10,"start":58.214996,"end":99.35},{"sentences":[{"text":"I think it was called.","start":100.815,"end":102.195,"sentiment":"neutral","sentiment_score":-0.030388936400413513},{"text":"Yeah.","start":109.534996,"end":109.775,"sentiment":"neutral","sentiment_score":0.04336722195148468},{"text":"That's that's what my wage was paid into.","start":109.775,"end":112.595,"sentiment":"neutral","sentiment_score":0.01592688146047294},{"text":"Pipping that one for the insurance.","start":113.700005,"end":115.32,"sentiment":"neutral","sentiment_score":-0.0002798369775215785},{"text":"And I think what the strategy was to, I think, every year take out most of the funds in Australian Super and transfer them to is it a 124?","start":115.46,"end":127.16,"sentiment":"neutral","sentiment_score":0.021583437020408696}],"sentiment":"neutral","sentiment_score":0.013124045782855578,"num_words":49,"start":100.815,"end":127.16},{"sentences":[{"text":"Yeah.","start":129.405,"end":129.725,"sentiment":"positive","sentiment_score":0.35341399908065796},{"text":"Yeah.","start":129.725,"end":130.045,"sentiment":"positive","sentiment_score":0.501139760017395},{"text":"I'm still happy to do that.","start":130.045,"end":131.585,"sentiment":"positive","sentiment_score":0.724217414855957},{"text":"Yep.","start":139.88501,"end":140.38501,"sentiment":"neutral","sentiment_score":0.16759416460990906},{"text":"Right.","start":150.47,"end":150.71,"sentiment":"neutral","sentiment_score":0.07977641373872757}],"sentiment":"positive","sentiment_score":0.5447228826582432,"num_words":10,"start":129.405,"end":150.71},{"sentences":[{"text":"And what do I have to do with that?","start":150.71,"end":152.41,"sentiment":"neutral","sentiment_score":0.021679221135046747},{"text":"Oh, okay.","start":156.935,"end":157.595,"sentiment":"neutral","sentiment_score":0.019036270678043365},{"text":"Is that why nothing was done last time?","start":157.655,"end":160.955,"sentiment":"neutral","sentiment_score":-0.04488910874351859},{"text":"Because I okay.","start":161.415,"end":164.075,"sentiment":"neutral","sentiment_score":0.01343065748612086},{"text":"Yep.","start":179.92,"end":180.32,"sentiment":"neutral","sentiment_score":0.05617634207010269}],"sentiment":"neutral","sentiment_score":-0.0012808271238337393,"num_words":23,"start":150.71,"end":180.32},{"sentences":[{"text":"Okay.","start":180.32,"end":180.82,"sentiment":"neutral","sentiment_score":0.092026449739933},{"text":"Yep.","start":180.88,"end":181.38,"sentiment":"neutral","sentiment_score":0.18371614813804624},{"text":"Yep.","start":200.15,"end":200.65,"sentiment":"neutral","sentiment_score":0.050416599959135056},{"text":"What advice do you guess regarding property anyway?","start":202.06999,"end":204.81,"sentiment":"neutral","sentiment_score":0.023800592869520187},{"text":"Oh, okay.","start":238.715,"end":239.355,"sentiment":"neutral","sentiment_score":0.02879227977246046}],"sentiment":"neutral","sentiment_score":0.044165269256784365,"num_words":13,"start":180.32,"end":239.355},{"sentences":[{"text":"Yep.","start":239.355,"end":239.855,"sentiment":"neutral","sentiment_score":0.01483746524900198},{"text":"Yep.","start":246.315,"end":246.815,"sentiment":"neutral","sentiment_score":-0.16982737183570862},{"text":"Yeah.","start":249.515,"end":249.755,"sentiment":"neutral","sentiment_score":-0.08791673183441162},{"text":"Hopefully, it'll well, hopefully, it'll come back like it did back in the eighties, I think it was, after about two years when they realized it wasn't quite working the way they expected.","start":249.755,"end":262.53,"sentiment":"neutral","sentiment_score":-0.11267762082262021},{"text":"Yep.","start":277.145,"end":277.625,"sentiment":"neutral","sentiment_score":0.0634981095790863}],"sentiment":"neutral","sentiment_score":-0.10534513556725673,"num_words":37,"start":239.355,"end":277.625},{"sentences":[{"text":"Yep.","start":277.625,"end":278.125,"sentiment":"neutral","sentiment_score":0.0626893937587738},{"text":"Yep.","start":297.865,"end":298.365,"sentiment":"neutral","sentiment_score":0.000975096016190946},{"text":"Yeah.","start":300.905,"end":301.145,"sentiment":"neutral","sentiment_score":0.03513740003108978},{"text":"For sure.","start":301.145,"end":301.705,"sentiment":"neutral","sentiment_score":0.04080979060381651},{"text":"Yep.","start":301.705,"end":302.205,"sentiment":"neutral","sentiment_score":0.10059395432472228}],"sentiment":"neutral","sentiment_score":0.046835904223068305,"num_words":6,"start":277.625,"end":302.205},{"sentences":[{"text":"Yep.","start":309.52,"end":310.02,"sentiment":"neutral","sentiment_score":0.06612559407949448},{"text":"Well, that's essentially gone up.","start":310.87997,"end":314.41998,"sentiment":"neutral","sentiment_score":0.04667556285858154},{"text":"My my tax return, it was a 178,000.","start":316.31998,"end":322.155,"sentiment":"neutral","sentiment_score":-0.07907256949692965},{"text":"But it would have been more because I had a month off work without paying, and that cost me about $18,000.","start":324.295,"end":333.32,"sentiment":"neutral","sentiment_score":-0.22925375827721187},{"text":"It'll be it'll be over it'll be 200.","start":334.53998,"end":338.04,"sentiment":"neutral","sentiment_score":0.08576171519234776}],"sentiment":"neutral","sentiment_score":-0.10375144999734191,"num_words":43,"start":309.52,"end":338.04},{"sentences":[{"text":"And plus three quarters of probably a quarter of that was still on a training wage.","start":338.58,"end":344.82,"sentiment":"neutral","sentiment_score":-0.008188567124307156},{"text":"So I was only on full pay since September last year.","start":344.82,"end":344.91776,"sentiment":"neutral","sentiment_score":-0.04120846431363712},{"text":"So it'll be well over 200.","start":344.91776,"end":344.97998,"sentiment":"neutral","sentiment_score":0.0468465822438399},{"text":"Okay.","start":344.97998,"end":345.47998,"sentiment":"neutral","sentiment_score":0.04381859675049782},{"text":"So September last year.","start":346.18,"end":348.875,"sentiment":"neutral","sentiment_score":0.015882200561463833}],"sentiment":"neutral","sentiment_score":-0.0051548233941981665,"num_words":38,"start":338.58,"end":348.875},{"sentences":[{"text":"So it'll be well over 200.","start":348.875,"end":350.495,"sentiment":"neutral","sentiment_score":0.06615826860070229},{"text":"Yep.","start":355.355,"end":355.855,"sentiment":"neutral","sentiment_score":0.08871986716985703},{"text":"And what does that mean?","start":361.63998,"end":362.86,"sentiment":"neutral","sentiment_score":0.03298018742352724},{"text":"Yes.","start":367.15997,"end":367.65997,"sentiment":"neutral","sentiment_score":0.06297071278095245},{"text":"Right.","start":388.095,"end":388.595,"sentiment":"neutral","sentiment_score":0.038506872951984406}],"sentiment":"neutral","sentiment_score":0.05371771440176027,"num_words":14,"start":348.875,"end":388.595},{"sentences":[{"text":"Really?","start":388.895,"end":389.215,"sentiment":"neutral","sentiment_score":0.0010034237056970596},{"text":"Even if you're not contributing anymore.","start":389.215,"end":390.995,"sentiment":"neutral","sentiment_score":-0.13639035386343798},{"text":"Okay.","start":420.74,"end":421.24,"sentiment":"neutral","sentiment_score":0.02748599275946617},{"text":"So what are you doing with mine at this point in time?","start":421.3,"end":424.59998,"sentiment":"neutral","sentiment_score":0.0007849495547513167},{"text":"Okay.","start":437.85498,"end":438.35498,"sentiment":"neutral","sentiment_score":0.029355501756072044}],"sentiment":"neutral","sentiment_score":-0.035765610014398895,"num_words":21,"start":388.895,"end":438.35498},{"sentences":[{"text":"Yep.","start":438.495,"end":438.995,"sentiment":"neutral","sentiment_score":0.03926616907119751},{"text":"Yep.","start":444.57498,"end":445.07498,"sentiment":"neutral","sentiment_score":-0.0371277779340744},{"text":"Yep.","start":445.86002,"end":446.36002,"sentiment":"neutral","sentiment_score":-0.03731812536716461},{"text":"Right.","start":454.74,"end":455.22,"sentiment":"neutral","sentiment_score":0.051279425621032715},{"text":"Right.","start":455.22,"end":455.72,"sentiment":"neutral","sentiment_score":0.05696325749158859}],"sentiment":"neutral","sentiment_score":0.014612589776515961,"num_words":5,"start":438.495,"end":455.72},{"sentences":[{"text":"But that's above what?","start":457.38,"end":458.925,"sentiment":"neutral","sentiment_score":0.031119593884795904},{"text":"So that's getting up to 250 k income.","start":459.00497,"end":461.985,"sentiment":"neutral","sentiment_score":0.0757985389791429},{"text":"Yep.","start":466.845,"end":467.345,"sentiment":"neutral","sentiment_score":0.054676979780197144},{"text":"Okay.","start":476.19,"end":476.69,"sentiment":"neutral","sentiment_score":0.09575790166854858},{"text":"Yep.","start":476.83002,"end":477.33002,"sentiment":"neutral","sentiment_score":0.10414861887693404}],"sentiment":"neutral","sentiment_score":0.06569667917986712,"num_words":15,"start":457.38,"end":477.33002},{"sentences":[{"text":"Right.","start":488.905,"end":489.405,"sentiment":"neutral","sentiment_score":0.08600492030382156},{"text":"Right.","start":489.54498,"end":490.04498,"sentiment":"neutral","sentiment_score":0.14373746514320374},{"text":"But that would be that would be calculated from my taxable income, won't it?","start":491.065,"end":496.845,"sentiment":"neutral","sentiment_score":-0.25611719036740915},{"text":"Like, when I do my tax return?","start":497.305,"end":498.845,"sentiment":"neutral","sentiment_score":-0.19652461792741502},{"text":"Yeah.","start":512.36,"end":512.52,"sentiment":"neutral","sentiment_score":-0.04432423412799835}],"sentiment":"neutral","sentiment_score":-0.1989956183048586,"num_words":24,"start":488.905,"end":512.52},{"sentences":[{"text":"Okay.","start":512.52,"end":513.02,"sentiment":"neutral","sentiment_score":-0.016012992709875107},{"text":"Yep.","start":513.08,"end":513.56,"sentiment":"neutral","sentiment_score":0.02717643789947033},{"text":"Yep.","start":513.56,"end":514.06,"sentiment":"neutral","sentiment_score":0.05960342288017273},{"text":"Yeah.","start":524.735,"end":525.235,"sentiment":"neutral","sentiment_score":0.2043679654598236},{"text":"I still be happy with that.","start":525.775,"end":527.055,"sentiment":"positive","sentiment_score":0.41493270297845203}],"sentiment":"neutral","sentiment_score":0.2764731051400304,"num_words":10,"start":512.52,"end":527.055},{"sentences":[{"text":"So most of it.","start":527.055,"end":528.115,"sentiment":"neutral","sentiment_score":0.32244928926229477},{"text":"Yeah.","start":535.35,"end":535.82996,"sentiment":"neutral","sentiment_score":0.02527536451816559},{"text":"No no changes there.","start":535.82996,"end":537.52997,"sentiment":"neutral","sentiment_score":-0.019400499295443296},{"text":"Yep.","start":544.615,"end":545.115,"sentiment":"neutral","sentiment_score":0.029653165489435196},{"text":"Yep.","start":555.73505,"end":556.23505,"sentiment":"neutral","sentiment_score":0.01703561469912529}],"sentiment":"neutral","sentiment_score":0.11674175496128472,"num_words":11,"start":527.055,"end":556.23505},{"sentences":[{"text":"Yep.","start":558.67004,"end":559.17004,"sentiment":"neutral","sentiment_score":0.003351658582687378},{"text":"No.","start":565.15,"end":565.39,"sentiment":"neutral","sentiment_score":-0.0920272022485733},{"text":"It's about the same.","start":565.39,"end":566.61005,"sentiment":"neutral","sentiment_score":-0.04038183903321624},{"text":"Yep.","start":570.11005,"end":570.61005,"sentiment":"neutral","sentiment_score":0.06729880720376968},{"text":"I've got a personal loan now for $45,000.","start":579.025,"end":583.525,"sentiment":"neutral","sentiment_score":0.00710490760684479}],"sentiment":"neutral","sentiment_score":-0.008404322116014858,"num_words":15,"start":558.67004,"end":583.525},{"sentences":[{"text":"No.","start":585.73,"end":585.97,"sentiment":"neutral","sentiment_score":-0.045481231063604355},{"text":"It's just for another another home built helicopter.","start":585.97,"end":590.39,"sentiment":"neutral","sentiment_score":-0.025225305231288075},{"text":"Well, it's a kit.","start":593.08997,"end":594.05,"sentiment":"neutral","sentiment_score":0.14862222224473953},{"text":"We gotta put it together now.","start":594.05,"end":595.67,"sentiment":"neutral","sentiment_score":0.1571498674650987},{"text":"No.","start":604.345,"end":604.745,"sentiment":"neutral","sentiment_score":-0.06840433925390244}],"sentiment":"neutral","sentiment_score":0.06108500408008695,"num_words":20,"start":585.73,"end":604.745},{"sentences":[{"text":"They're no.","start":604.745,"end":607.46497,"sentiment":"neutral","sentiment_score":-0.12618280947208405},{"text":"You're silly, man.","start":607.46497,"end":608.185,"sentiment":"negative","sentiment_score":-0.34822189807891846},{"text":"It's a one that you fly.","start":608.185,"end":610.045,"sentiment":"neutral","sentiment_score":-0.004932962668438752},{"text":"So you're gonna get your pilot's license and, you know, get a certificate of willingness for it, you know, you know, permit to fly it and so forth.","start":611.545,"end":621.41,"sentiment":"neutral","sentiment_score":0.06860647643251079},{"text":"So they're they're real things, but they they keep built.","start":621.47,"end":624.76996,"sentiment":"neutral","sentiment_score":0.15639957487583162}],"sentiment":"neutral","sentiment_score":0.04404791836075637,"num_words":49,"start":604.745,"end":624.76996},{"sentences":[{"text":"A lot of fun.","start":627.23,"end":628.12994,"sentiment":"positive","sentiment_score":0.5138592347502708},{"text":"I mean, you can buy you can get them for, you know, small single seat airplanes as well.","start":632.425,"end":637.245,"sentiment":"neutral","sentiment_score":0.1525808543794685},{"text":"So yeah.","start":639.065,"end":643.91,"sentiment":"neutral","sentiment_score":0.049565114080905914},{"text":"Well, you can get two feet airplanes as well as two feet hip built helicopters, which is the other one I've got.","start":643.91,"end":650.32996,"sentiment":"neutral","sentiment_score":0.10153771598230708},{"text":"But yeah.","start":651.43,"end":651.99,"sentiment":"neutral","sentiment_score":0.045666614547371864}],"sentiment":"neutral","sentiment_score":0.15054553180622557,"num_words":48,"start":627.23,"end":651.99},{"sentences":[{"text":"Like, it's a yeah.","start":651.99,"end":653.67,"sentiment":"neutral","sentiment_score":0.05585986748337746},{"text":"It's pretty common thing where you're you're buying with the kit and you build them.","start":653.67,"end":657.37,"sentiment":"neutral","sentiment_score":0.08724627817670504},{"text":"Mosquito helicopter?","start":663.615,"end":664.675,"sentiment":"neutral","sentiment_score":0.008396843448281288},{"text":"Yeah.","start":666.01495,"end":666.33496,"sentiment":"neutral","sentiment_score":0.014325152151286602},{"text":"Similar to that.","start":666.33496,"end":667.475,"sentiment":"neutral","sentiment_score":0.008352167904376984}],"sentiment":"neutral","sentiment_score":0.06353235941380263,"num_words":25,"start":651.99,"end":667.475},{"sentences":[{"text":"My one's called a helicopter.","start":667.69495,"end":668.995,"sentiment":"neutral","sentiment_score":0.015061636082828045},{"text":"The one I was just bought.","start":669.535,"end":670.995,"sentiment":"neutral","sentiment_score":0.035391028660039105},{"text":"It should be just do a quick Google search.","start":672.92004,"end":674.84,"sentiment":"neutral","sentiment_score":0.048647000557846494},{"text":"It'll should pop up.","start":674.84,"end":676.28,"sentiment":"neutral","sentiment_score":0.056298854760825634},{"text":"Let me have a look.","start":676.28,"end":677.5,"sentiment":"neutral","sentiment_score":0.016433450765907763}],"sentiment":"neutral","sentiment_score":0.03561517345751154,"num_words":29,"start":667.69495,"end":677.5},{"sentences":[{"text":"Yeah.","start":682.84,"end":683.08,"sentiment":"neutral","sentiment_score":0.04102195054292679},{"text":"It's sort of like that.","start":683.08,"end":684.04004,"sentiment":"neutral","sentiment_score":0.03601308986544609},{"text":"That one in Mad Max is a a gyrocopter, which it's still a little bit different in the the, I guess, the technology in which makes them fly because the helicopter uses it's like a normal helicopter.","start":684.04004,"end":702.77997,"sentiment":"neutral","sentiment_score":0.029711918653668585},{"text":"Like, the engine drives the main rotor blades.","start":702.92,"end":705.26,"sentiment":"neutral","sentiment_score":0.02349882898852229},{"text":"But in the Max, the actual rotor blades turn automatically with forward motion of the aircraft.","start":705.56,"end":715.26495,"sentiment":"neutral","sentiment_score":0.058476245030760765}],"sentiment":"neutral","sentiment_score":0.036478193170988736,"num_words":67,"start":682.84,"end":715.26495},{"sentences":[{"text":"So he's got a propeller at the back, which propels it forward, which causes the rotor blades to turn automatically just with the incoming airflow, and that's what causes it to to lift off the ground.","start":715.26495,"end":729.42,"sentiment":"neutral","sentiment_score":0.06378978118300438},{"text":"But they're, you know, they're still a lot of fun as well.","start":731.4,"end":734.54,"sentiment":"neutral","sentiment_score":0.25543113859991234},{"text":"Yeah.","start":738.04,"end":738.2,"sentiment":"neutral","sentiment_score":0.07672800868749619},{"text":"The Mad Max one is a gyrocopter.","start":738.2,"end":739.9,"sentiment":"neutral","sentiment_score":0.11239074170589447},{"text":"Really?","start":748.375,"end":748.875,"sentiment":"neutral","sentiment_score":0.23195599019527435}],"sentiment":"neutral","sentiment_score":0.11328113994054627,"num_words":57,"start":715.26495,"end":748.875},{"sentences":[{"text":"Yeah.","start":749.015,"end":749.515,"sentiment":"neutral","sentiment_score":0.10850628465414049},{"text":"Oh, with the big canopy, like a powered parachute.","start":758.05005,"end":761.03,"sentiment":"neutral","sentiment_score":0.0676944466928641},{"text":"Yeah.","start":763.73004,"end":764.13,"sentiment":"neutral","sentiment_score":0.04805567115545273},{"text":"I reckon I reckon that'll be a lot of fun too.","start":764.13,"end":766.87,"sentiment":"neutral","sentiment_score":0.27358059314164246},{"text":"It's like a with an engine.","start":767.415,"end":769.595,"sentiment":"neutral","sentiment_score":0.0881929596265157}],"sentiment":"neutral","sentiment_score":0.15372700922723329,"num_words":28,"start":749.015,"end":769.595},{"sentences":[{"text":"Sorry?","start":773.495,"end":773.995,"sentiment":"neutral","sentiment_score":0.047541603446006775},{"text":"Oh, I do.","start":775.89496,"end":776.615,"sentiment":"neutral","sentiment_score":0.20981328189373016},{"text":"I'd I'd like to try it.","start":776.615,"end":777.815,"sentiment":"neutral","sentiment_score":0.26508673280477524},{"text":"Definitely.","start":777.815,"end":778.315,"sentiment":"neutral","sentiment_score":0.23382145166397095},{"text":"Not really.","start":797.78503,"end":798.505,"sentiment":"neutral","sentiment_score":-0.09563343226909637}],"sentiment":"neutral","sentiment_score":0.17769664869858667,"num_words":13,"start":773.495,"end":798.505},{"sentences":[{"text":"No.","start":798.505,"end":798.98505,"sentiment":"neutral","sentiment_score":-0.12673938274383545},{"text":"Not that I can not that I can think of.","start":798.98505,"end":803.245,"sentiment":"neutral","sentiment_score":-0.11156456917524338},{"text":"Oh, yeah.","start":807.305,"end":808.04504,"sentiment":"neutral","sentiment_score":0.1025015190243721},{"text":"Yeah.","start":822.28,"end":822.44,"sentiment":"neutral","sentiment_score":0.17183208465576172},{"text":"Yeah.","start":822.44,"end":822.84,"sentiment":"neutral","sentiment_score":0.18492744863033295}],"sentiment":"neutral","sentiment_score":-0.045374833544095355,"num_words":15,"start":798.505,"end":822.84},{"sentences":[{"text":"Yep.","start":822.84,"end":823.24,"sentiment":"neutral","sentiment_score":0.24075424671173096},{"text":"I have been changed.","start":823.24,"end":824.175,"sentiment":"positive","sentiment_score":0.3722281828522682},{"text":"Yep.","start":835.535,"end":836.035,"sentiment":"neutral","sentiment_score":0.26097553968429565},{"text":"Well, I guess my my intention is to pay off that helicopter loan.","start":851.775,"end":861.795,"sentiment":"neutral","sentiment_score":-0.15189791843295097},{"text":"I got down fairly quickly.","start":862.255,"end":863.795,"sentiment":"negative","sentiment_score":-0.44606029987335205}],"sentiment":"neutral","sentiment_score":-0.09226383004958431,"num_words":24,"start":822.84,"end":863.795},{"sentences":[{"text":"Because I could have bought it cash, but then I sort of so, well, the difference between the offset of the amount and what I'd pay in cash wasn't all that much.","start":865.41003,"end":880.795,"sentiment":"neutral","sentiment_score":-0.19732411904260516},{"text":"I think it's about two cents.","start":881.735,"end":883.095,"sentiment":"neutral","sentiment_score":-0.08387308443586032},{"text":"So I thought, well, I'll just get the loan and then pay that down as quick as I can.","start":883.095,"end":888.39496,"sentiment":"neutral","sentiment_score":0.053129806526397406},{"text":"Well, the helicopter, like, brand new.","start":899.76,"end":902.02,"sentiment":"neutral","sentiment_score":-0.03416057055195173},{"text":"They're a 150 k landed in Australia.","start":903.285,"end":905.865,"sentiment":"neutral","sentiment_score":0.0022438440272318466}],"sentiment":"neutral","sentiment_score":-0.08567715010140091,"num_words":70,"start":865.41003,"end":905.865},{"sentences":[{"text":"And I bought that off somebody who had bought it brand new, and I've started the build but never finished it.","start":907.685,"end":915.9,"sentiment":"neutral","sentiment_score":-0.0348662193864584},{"text":"I I actually bought it for 50.","start":917.02,"end":918.96,"sentiment":"neutral","sentiment_score":0.02919919416308403},{"text":"So still brand new, still never flown, never run, never finished.","start":921.26,"end":927.12,"sentiment":"neutral","sentiment_score":-0.03786348055159165},{"text":"But yeah.","start":928.485,"end":936.425,"sentiment":"neutral","sentiment_score":0.0030436441302299465},{"text":"Right.","start":953.52,"end":954.02,"sentiment":"neutral","sentiment_score":-0.08399656414985657}],"sentiment":"neutral","sentiment_score":-0.024338185950736738,"num_words":42,"start":907.685,"end":954.02},{"sentences":[{"text":"Yep.","start":958.015,"end":958.515,"sentiment":"neutral","sentiment_score":-0.14337387681007385},{"text":"Yep.","start":975.23004,"end":975.73004,"sentiment":"neutral","sentiment_score":-0.05843592435121536},{"text":"And how much was that?","start":982.425,"end":983.885,"sentiment":"neutral","sentiment_score":0.06550407335162163},{"text":"$2,000 a month.","start":994.185,"end":995.805,"sentiment":"neutral","sentiment_score":0.010948460238675276},{"text":"So how do I increase all of that?","start":1001.93,"end":1003.61,"sentiment":"neutral","sentiment_score":0.1283305799588561}],"sentiment":"neutral","sentiment_score":0.06584447699909408,"num_words":18,"start":958.015,"end":1003.61},{"sentences":[{"text":"Do I have to get in contact with AustralianSuper?","start":1003.61,"end":1005.63,"sentiment":"neutral","sentiment_score":0.01980541232559416},{"text":"Well.","start":1034.0,"end":1034.5,"sentiment":"neutral","sentiment_score":-0.006388343870639801},{"text":"And that was just income protection, was it?","start":1046.785,"end":1049.445,"sentiment":"neutral","sentiment_score":-0.030329125002026558},{"text":"Yep.","start":1057.1599,"end":1057.6599,"sentiment":"neutral","sentiment_score":0.0005144973983988166},{"text":"And what happens if you lose your job just through I don't know.","start":1071.385,"end":1076.3451,"sentiment":"negative","sentiment_score":-0.39119760577495283}],"sentiment":"neutral","sentiment_score":-0.1611195940822654,"num_words":32,"start":1003.61,"end":1076.3451},{"sentences":[{"text":"Let's say you well, one of the things that worries me with my job, which I've seen other people do other drivers, they might have a pretty bad or a safety critical error, for example.","start":1076.3451,"end":1091.79,"sentiment":"negative","sentiment_score":-0.40371210873126984},{"text":"And they can lose their jobs in in that respect.","start":1093.29,"end":1096.51,"sentiment":"negative","sentiment_score":-0.4703368067741394},{"text":"For example, we had one guy who was instructed to reduce his speed to 25 kilometers an hour throughout a section of track where they had track workers.","start":1100.905,"end":1112.37,"sentiment":"neutral","sentiment_score":-0.1176770765866552},{"text":"And he got a call on the radio for that.","start":1114.03,"end":1118.11,"sentiment":"neutral","sentiment_score":-0.055371112562716006},{"text":"But then by the time he got there, he forgot.","start":1118.11,"end":1120.37,"sentiment":"neutral","sentiment_score":-0.14292702600359916}],"sentiment":"neutral","sentiment_score":-0.2592605527250036,"num_words":93,"start":1076.3451,"end":1120.37},{"sentences":[{"text":"And then he had been flying through there at track speed, which was a 130.","start":1121.07,"end":1125.1699,"sentiment":"neutral","sentiment_score":-0.06294438615441322},{"text":"And, yeah, he got stood down immediately.","start":1127.265,"end":1129.685,"sentiment":"neutral","sentiment_score":-0.0926944123847144},{"text":"And, actually, he didn't get the sack.","start":1132.305,"end":1134.545,"sentiment":"neutral","sentiment_score":-0.14935265907219478},{"text":"He he but he never drove again, and he's now working doing admin work.","start":1134.545,"end":1141.765,"sentiment":"neutral","sentiment_score":-0.09273448267153331},{"text":"So they yeah.","start":1143.05,"end":1145.45,"sentiment":"neutral","sentiment_score":0.011309199035167696}],"sentiment":"neutral","sentiment_score":-0.0848445750610984,"num_words":46,"start":1121.07,"end":1145.45},{"sentences":[{"text":"They retained him as an employee, but he's now on half the wage.","start":1145.45,"end":1149.15,"sentiment":"neutral","sentiment_score":-0.019340309815911148},{"text":"And that that's the sort of thing that worries me where, you know, you might accidentally do something wrong and lose your job even though yeah.","start":1151.29,"end":1169.625,"sentiment":"negative","sentiment_score":-0.3842584774471246},{"text":"Exactly.","start":1169.625,"end":1170.125,"sentiment":"neutral","sentiment_score":-0.05532952398061752},{"text":"Exactly.","start":1170.6499,"end":1171.1499,"sentiment":"neutral","sentiment_score":-0.041656479239463806},{"text":"And there's no guarantee they're gonna keep you employed either in that scenario.","start":1171.45,"end":1177.1499,"sentiment":"neutral","sentiment_score":-0.2179210644501906}],"sentiment":"neutral","sentiment_score":-0.24392785707971565,"num_words":54,"start":1145.45,"end":1177.1499},{"sentences":[{"text":"Yeah.","start":1178.8099,"end":1179.3099,"sentiment":"neutral","sentiment_score":-0.01300700567662716},{"text":"So does the income protection protect you for that?","start":1179.69,"end":1183.39,"sentiment":"neutral","sentiment_score":-0.029501183579365414},{"text":"Yeah.","start":1203.63,"end":1203.9501,"sentiment":"neutral","sentiment_score":-0.006978483870625496},{"text":"We do we do have a union.","start":1203.9501,"end":1205.49,"sentiment":"neutral","sentiment_score":-0.015616935544780322},{"text":"Yeah.","start":1218.5349,"end":1218.9349,"sentiment":"neutral","sentiment_score":-0.04014328122138977}],"sentiment":"neutral","sentiment_score":-0.022892524831389125,"num_words":19,"start":1178.8099,"end":1218.9349},{"sentences":[{"text":"I don't know.","start":1218.9349,"end":1219.755,"sentiment":"neutral","sentiment_score":-0.07597565154234569},{"text":"I'm finding out.","start":1224.99,"end":1226.2101,"sentiment":"neutral","sentiment_score":0.021148076901833218},{"text":"Yeah.","start":1226.27,"end":1226.77,"sentiment":"neutral","sentiment_score":-0.0728580430150032},{"text":"No.","start":1232.99,"end":1233.31,"sentiment":"negative","sentiment_score":-0.42037874460220337},{"text":"Absolutely.","start":1233.31,"end":1233.81,"sentiment":"negative","sentiment_score":-0.4225601553916931}],"sentiment":"neutral","sentiment_score":-0.1200310741033819,"num_words":9,"start":1218.9349,"end":1233.81},{"sentences":[{"text":"Yeah.","start":1241.505,"end":1241.8251,"sentiment":"neutral","sentiment_score":-0.08615124225616455},{"text":"Absolutely.","start":1241.8251,"end":1242.3251,"sentiment":"neutral","sentiment_score":-0.03211652860045433},{"text":"Yeah.","start":1242.865,"end":1243.265,"sentiment":"neutral","sentiment_score":-0.12514756619930267},{"text":"So people are gonna have big mortgages and, you know, expensive lifestyles, but there's always the potential of it all coming crashing down if if I mess up.","start":1243.265,"end":1260.57,"sentiment":"negative","sentiment_score":-0.37913040657128605},{"text":"Yep.","start":1277.4651,"end":1277.8651,"sentiment":"neutral","sentiment_score":-0.09464389085769652}],"sentiment":"negative","sentiment_score":-0.3423034566221759,"num_words":32,"start":1241.505,"end":1277.8651},{"sentences":[{"text":"Yep.","start":1277.8651,"end":1278.3651,"sentiment":"neutral","sentiment_score":-0.07090738415718079},{"text":"Yep.","start":1288.84,"end":1289.24,"sentiment":"neutral","sentiment_score":0.11530210822820663},{"text":"So am I allowed to have the two insurance policies, like one with Australian Super and the other with Care and have them running side by side?","start":1289.24,"end":1298.745,"sentiment":"neutral","sentiment_score":0.07074734196066856},{"text":"Yep.","start":1316.21,"end":1316.71,"sentiment":"neutral","sentiment_score":0.0498843789100647},{"text":"Yeah.","start":1326.145,"end":1326.465,"sentiment":"neutral","sentiment_score":0.2186477780342102}],"sentiment":"neutral","sentiment_score":0.07171306819204361,"num_words":31,"start":1277.8651,"end":1326.465},{"sentences":[{"text":"It's mostly worthwhile just to know.","start":1326.465,"end":1328.405,"sentiment":"positive","sentiment_score":0.37826799352963764},{"text":"Yeah.","start":1333.505,"end":1334.005,"sentiment":"neutral","sentiment_score":0.08263064175844193},{"text":"Yeah.","start":1347.32,"end":1347.64,"sentiment":"neutral","sentiment_score":0.21250516176223755},{"text":"I'll do the research and see what's available.","start":1347.64,"end":1349.9,"sentiment":"neutral","sentiment_score":0.23723910376429558},{"text":"And I'll make a decision once we've got all the all the options, I guess.","start":1352.485,"end":1356.745,"sentiment":"neutral","sentiment_score":0.22795715431372324}],"sentiment":"neutral","sentiment_score":0.25425851321028126,"num_words":31,"start":1326.465,"end":1356.745},{"sentences":[{"text":"Yep.","start":1364.88,"end":1365.38,"sentiment":"neutral","sentiment_score":0.05076517164707184},{"text":"Yep.","start":1370.08,"end":1370.58,"sentiment":"neutral","sentiment_score":0.09510958194732666},{"text":"Yep.","start":1381.955,"end":1382.195,"sentiment":"neutral","sentiment_score":0.08388509601354599},{"text":"Yep.","start":1382.195,"end":1382.595,"sentiment":"neutral","sentiment_score":0.09185117483139038},{"text":"Yep.","start":1382.595,"end":1383.095,"sentiment":"neutral","sentiment_score":0.16116668283939362}],"sentiment":"neutral","sentiment_score":0.0965555414557457,"num_words":5,"start":1364.88,"end":1383.095},{"sentences":[{"text":"Yep.","start":1385.155,"end":1385.235,"sentiment":"neutral","sentiment_score":0.21899503469467163},{"text":"That's fine.","start":1385.235,"end":1386.0549,"sentiment":"positive","sentiment_score":0.4307241141796112},{"text":"Yep.","start":1393.8,"end":1394.3,"sentiment":"neutral","sentiment_score":0.1010705977678299},{"text":"Okay.","start":1399.4,"end":1399.9,"sentiment":"neutral","sentiment_score":0.10862702131271362},{"text":"Yep.","start":1402.04,"end":1402.54,"sentiment":"neutral","sentiment_score":0.25461050868034363}],"sentiment":"neutral","sentiment_score":0.25745856513579685,"num_words":6,"start":1385.155,"end":1402.54},{"sentences":[{"text":"Yeah.","start":1405.0,"end":1405.5,"sentiment":"neutral","sentiment_score":0.06571044772863388},{"text":"No dramas.","start":1406.0951,"end":1406.7351,"sentiment":"neutral","sentiment_score":-0.015685010701417923},{"text":"So how long would that be when you get back from your leave?","start":1406.7351,"end":1410.915,"sentiment":"neutral","sentiment_score":-0.025272757531358644},{"text":"Okay.","start":1419.8551,"end":1420.255,"sentiment":"neutral","sentiment_score":0.07162073254585266},{"text":"Yep.","start":1420.255,"end":1420.7351,"sentiment":"neutral","sentiment_score":0.06121990084648132}],"sentiment":"neutral","sentiment_score":-0.00896471045497391,"num_words":18,"start":1405.0,"end":1420.7351},{"sentences":[{"text":"Yep.","start":1420.7351,"end":1421.1,"sentiment":"neutral","sentiment_score":0.07237397879362106},{"text":"Yeah.","start":1426.94,"end":1427.34,"sentiment":"neutral","sentiment_score":0.006764151155948639},{"text":"Yep.","start":1427.34,"end":1427.84,"sentiment":"neutral","sentiment_score":0.025789476931095123},{"text":"Yep.","start":1429.58,"end":1430.08,"sentiment":"neutral","sentiment_score":-0.004050283692777157},{"text":"Yeah.","start":1438.6849,"end":1439.085,"sentiment":"neutral","sentiment_score":-0.06423231959342957}],"sentiment":"neutral","sentiment_score":0.00732900071889162,"num_words":5,"start":1420.7351,"end":1439.085},{"sentences":[{"text":"No.","start":1439.085,"end":1439.205,"sentiment":"neutral","sentiment_score":-0.10044001042842864},{"text":"I was just sort of wondering.","start":1439.205,"end":1440.5449,"sentiment":"neutral","sentiment_score":-0.09760732327898343},{"text":"Yeah.","start":1440.605,"end":1440.845,"sentiment":"neutral","sentiment_score":-0.036262594163417816},{"text":"Just a a time frame.","start":1440.845,"end":1442.125,"sentiment":"neutral","sentiment_score":-0.0477026142179966},{"text":"That's all.","start":1442.125,"end":1442.865,"sentiment":"neutral","sentiment_score":-0.008908139541745186}],"sentiment":"neutral","sentiment_score":-0.06524505962928136,"num_words":15,"start":1439.085,"end":1442.865},{"sentences":[{"text":"Yep.","start":1451.5599,"end":1452.0599,"sentiment":"neutral","sentiment_score":0.07799994945526123},{"text":"Not that I can think of.","start":1457.0,"end":1458.28,"sentiment":"neutral","sentiment_score":-0.124537688990434},{"text":"No.","start":1458.28,"end":1458.78,"sentiment":"neutral","sentiment_score":-0.03744244948029518},{"text":"Yep.","start":1471.835,"end":1472.335,"sentiment":"neutral","sentiment_score":0.3330974578857422},{"text":"Thanks, sir.","start":1472.475,"end":1473.27,"sentiment":"positive","sentiment_score":0.7707043290138245}],"sentiment":"neutral","sentiment_score":0.10616704381325028,"num_words":11,"start":1451.5599,"end":1473.27},{"sentences":[{"text":"Yeah.","start":1479.35,"end":1479.67,"sentiment":"positive","sentiment_score":0.5017331838607788},{"text":"No worries at all.","start":1479.67,"end":1480.81,"sentiment":"positive","sentiment_score":0.47268739342689514},{"text":"You too.","start":1483.8301,"end":1484.5701,"sentiment":"positive","sentiment_score":0.6205944716930389},{"text":"Okay.","start":1484.71,"end":1485.1901,"sentiment":"positive","sentiment_score":0.46433258056640625},{"text":"See you.","start":1485.1901,"end":1485.85,"sentiment":"positive","sentiment_score":0.4945216476917267}],"sentiment":"positive","sentiment_score":0.5087047576904297,"num_words":10,"start":1479.35,"end":1485.85},{"sentences":[{"text":"Bye.","start":1487.03,"end":1487.53,"sentiment":"neutral","sentiment_score":-0.11158812791109084}],"sentiment":"neutral","sentiment_score":-0.11158812791109084,"num_words":1,"start":1487.03,"end":1487.53}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Shane. It's Tommy here, senior adviser from Oakview, mate. How are you doing today?\n\nChannel 1: Sorry. Say that again?\n\nChannel 0: Sorry, mate. It's Tommy here from Oakview. I'm one of the senior\n\nChannel 1: Yes. How are you going?\n\nChannel 0: advisers. Fantastic, mate. I just had you booked in for a quick catch up about some advice updates. Do you have a bit of time for me still?\n\nChannel 1: I sure do.\n\nChannel 0: Fantastic. So I've got some previous advice documents open with me that we can kind of run over together. And\n\nChannel 1: Yep.\n\nChannel 0: just before I jump into it, Shane, I just wanna check security with you if that's okay. Cool. So just to let you know the call is recorded. And if I could please confirm your date of birth and address.\n\nChannel 1: Yep. 06/10/1970. 21 King Street, Wallen, Victoria.\n\nChannel 0: Address. Sensational. And I'm registered with Asic as adviser 1273105. Mate, main reason for the call this morning is some advice that Carl went through with you a bit earlier in the year\n\nChannel 1: Yeah.\n\nChannel 0: has expired. And so, basically, what I wanted to do was just run through what he was recommending at the time, your circumstances it was based on, see\n\nChannel 1: Yep.\n\nChannel 0: if there's been any significant changes, if you're still comfortable with those ideas, or if we have to kind of change the strategies around. Now just quickly as well, so that advice\n\nChannel 1: Yep.\n\nChannel 0: in February, it was basically looking at updating the portfolio in your main super fund, doing a consolidation of one of them, and just keeping the other one there for the insurances if that rings a bell.\n\nChannel 1: Yeah. I think it was closing care. I think it was called.\n\nChannel 0: Yeah. That's right. It was consolidate care super. Keep most of Australian super still going for a little while with the insurances.\n\nChannel 1: Yeah. That's that's what my wage was paid into.\n\nChannel 0: Yes.\n\nChannel 1: Pipping that one for the insurance. And I think what the strategy was to, I think, every year take out most of the funds in Australian Super and transfer them to is it a 124?\n\nChannel 0: Yeah. That's correct.\n\nChannel 1: Yeah. Yeah. I'm still happy to do that.\n\nChannel 0: Yeah. Cool. So what I basically need to do from here is I'll double check your details that we noted on file, just make sure that hasn't changed too much. And\n\nChannel 1: Yep.\n\nChannel 0: then I just need to update we we get some updated research from those two funds, and I'll refresh your advice document, and then I can get that sent through to you\n\nChannel 1: Right. And what do I\n\nChannel 0: as\n\nChannel 1: have to do with that?\n\nChannel 0: well. Basically, if you're comfortable with it, just sign off on it so we can action it.\n\nChannel 1: Oh, okay. Is that why nothing was done last time? Because\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Correct. So the\n\nChannel 1: okay.\n\nChannel 0: old authority to proceed. Because sometimes what happens is if there's, like, six recommendations in the document, some people will sign off saying go through with all six or maybe just these four. I don't wanna proceed with these two, and we just need that sort of sign off on file before we can do anything.\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: Cool. So what I'll do, I've just got the details open in front of me. So scoping wise, just quickly as well, So we weren't giving any kind of budgeting or debt management advice on property. Seemed like you had that handled pretty well with your new salary and just, you know, working on your budget and your mortgage.\n\nChannel 1: Yep.\n\nChannel 0: Estate\n\nChannel 1: What advice\n\nChannel 0: planning.\n\nChannel 1: do you guess regarding property anyway?\n\nChannel 0: There's a bit of a range. So when it comes to property, we do we start off with general advice where we talk about, okay, what's the plans with it? What are the options? Some clients, we just, you know, educate on how offset account work, different strategies and options, and it ranges all the way up to debt management strategies where if someone has three or four properties, we will project those out and say, okay. What's the most effective way to pay down the debt, grow the wealth, and what does that look like in five, ten, twenty years' time?\n\nChannel 1: Oh, okay. Yep.\n\nChannel 0: Yeah. We used to do a bit of property through super as well, but the government's just kind of put a ban on that. So\n\nChannel 1: Yep.\n\nChannel 0: that one has disappeared.\n\nChannel 1: Yeah. Hopefully,\n\nChannel 0: Yeah.\n\nChannel 1: it'll\n\nChannel 0: Sorry.\n\nChannel 1: well, hopefully, it'll come back like it did back in the eighties, I think it was,\n\nChannel 0: Yeah.\n\nChannel 1: after about two years when they realized it wasn't quite working the way they expected.\n\nChannel 0: Yeah. It's always a funny thing is politics pops up, changes things, and then it changes back and it changes hands, and we just try and keep on top of the legislation. And when opportunities open up, run them by you guys.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Alright. Details wise, Shane, I'm just having a look at the three funds. I can't quite see if we have valid authorities on file to get the research for these. So I will just quickly touch base with my admin team after this call, and I may need to send you through a third party authority. But if it's\n\nChannel 1: Yep.\n\nChannel 0: still valid, we'll just call them and get the details.\n\nChannel 1: Yeah. For sure. Yep.\n\nChannel 0: Cool. Just quickly on the income and occupation. So we had you as a train driver on a 150,000.\n\nChannel 1: Yep. Well,\n\nChannel 0: Cool.\n\nChannel 1: that's essentially gone up. My my tax return, it was a\n\nChannel 0: Yeah.\n\nChannel 1: 178,000. But it would have been more because I had a month off work without paying, and that cost me about $18,000.\n\nChannel 0: Yeah. Right.\n\nChannel 1: It'll\n\nChannel 0: So if I go\n\nChannel 1: be\n\nChannel 0: a\n\nChannel 1: it'll\n\nChannel 0: 100\n\nChannel 1: be over\n\nChannel 0: and\n\nChannel 1: it'll be 200. And plus\n\nChannel 0: Yes.\n\nChannel 1: three quarters of probably a quarter of that was still on a training wage. So I was only on full pay since September last year. So it'll be well over 200. Okay. So September last year.\n\nSo it'll be well over\n\nChannel 0: Okay.\n\nChannel 1: 200.\n\nChannel 0: So what I'll do is I'll say 200,000 plus at the moment, and then\n\nChannel 1: Yep.\n\nChannel 0: because that'll get you close to that division two nine three section for people on about $2.30, $2.50, I'm\n\nChannel 1: And what\n\nChannel 0: gonna\n\nChannel 1: does\n\nChannel 0: go\n\nChannel 1: that mean?\n\nChannel 0: to so I'll give you the example of my father-in-law. So\n\nChannel 1: Yes.\n\nChannel 0: he's on 260,000. Anytime someone's above a combination of income and super contributions that combined are above 250,000, they lump you into a new tax category called division two nine three, which basically just means you cop a bit of extra tax on super contributions for being a high earner.\n\nChannel 1: Right. Really? Even if you're not contributing anymore.\n\nChannel 0: Yeah. So what tends to happen is because you know how the cap's kind of 30,000, someone who's on $2.50 will essentially get 30 or above automatically going in and would kind of breach the cap kind of thing. And then what happens is in your tax return, you'll actually get a letter from the tax office saying you've gotten the division two nine three category. Here's a bill for $2. You can either pay it personally or release some money from super to pay for the extra contribution tax.\n\nChannel 1: Okay. So what are you doing with mine at this point in time?\n\nChannel 0: So yours, nothing at the moment. I'm just checking the contributions that are going in to see if I can see if it's gonna kind of eclipse that and trigger the category just so that in the document, I can show you kind of what that looks like.\n\nChannel 1: Okay. Yep.\n\nChannel 0: The long and short of it essentially is normally super contributions are taxed at 15%\n\nChannel 1: Yep.\n\nChannel 0: instead of, like, your\n\nChannel 1: Yep.\n\nChannel 0: 47%. If you hit that category, a portion of them will be taxed at 30 instead. So it'll still be concessional, just not as good.\n\nChannel 1: Right. Right.\n\nChannel 0: But as you\n\nChannel 1: But\n\nChannel 0: get\n\nChannel 1: that's\n\nChannel 0: close to\n\nChannel 1: above\n\nChannel 0: that, I'll\n\nChannel 1: what?\n\nChannel 0: let you know.\n\nChannel 1: So that's getting up to 250 k income.\n\nChannel 0: Yeah. So I think if you were to hit maybe $2.30\n\nChannel 1: Yep.\n\nChannel 0: with the 12% added on would probably trigger it. So it's people for around about $2.30, $2.50. It starts to kick in.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So that's why the moment you said above 200, I just said, I'll check your contributions and see if I can extrapolate that out for a year, and then that'll give me an idea if you're gonna hit that or not.\n\nChannel 1: Right. Right.\n\nChannel 0: Beauty.\n\nChannel 1: But that would\n\nChannel 0: Unfortunately,\n\nChannel 1: be\n\nChannel 0: there's\n\nChannel 1: that would be calculated from my taxable income, won't it? Like, when I do my tax return?\n\nChannel 0: Gross income. So before any kind of tax concessions or anything like that, they just go total income, total contributions, and then they just see if it's above the threshold.\n\nChannel 1: Yeah. Okay. Yep. Yep.\n\nChannel 0: There's not much to be done about it. It's just an extra tax they lump on to people who have done decently well. I wouldn't call you the top 1%, mate, but if you hit two fifty, that's what they call it.\n\nChannel 1: Yeah. I still be happy with that. So most of it.\n\nChannel 0: Absolutely. Assets wise, home investment property.\n\nChannel 1: Yeah. No\n\nChannel 0: We\n\nChannel 1: no\n\nChannel 0: Yeah.\n\nChannel 1: changes there.\n\nChannel 0: Yep. Just just round figures wise, I think we had 700 and\n\nChannel 1: Yep.\n\nChannel 0: 90,000 owing on the home and about 200,000 owing on the investment property. And home value 1.1, the investment property, 400. Three property 400.\n\nChannel 1: Yep.\n\nChannel 0: Three cars,\n\nChannel 1: Yep.\n\nChannel 0: about $50 in offset. I don't know if your savings have kind of increased or decreased.\n\nChannel 1: No. It's about the same.\n\nChannel 0: Cool. And the other thing was a helicopter.\n\nChannel 1: Yep.\n\nChannel 0: Sensational. No other, like, shares or loans, personal loans, or anything like that?\n\nChannel 1: I've got a personal loan now for $45,000.\n\nChannel 0: Yep. 35\n\nChannel 1: No.\n\nChannel 0: thousand\n\nChannel 1: It's just\n\nChannel 0: dollars.\n\nChannel 1: for another another home built helicopter. Well, it's a kit. We gotta put it together now.\n\nChannel 0: Get to put together. That's cool. Are they those little small ones that you can take out to the park and zip around with\n\nChannel 1: No.\n\nChannel 0: the remote\n\nChannel 1: They're\n\nChannel 0: control? Are we talking, like, sit in it?\n\nChannel 1: no. You're silly, man. It's a one that you fly.\n\nChannel 0: Oh, wow.\n\nChannel 1: So you're gonna get your pilot's license and, you know, get a certificate\n\nChannel 0: Yeah.\n\nChannel 1: of willingness for it, you know, you know, permit to fly it and so forth. So they're\n\nChannel 0: Oh, cool.\n\nChannel 1: they're real things, but they they keep built.\n\nChannel 0: Yeah. Yeah. Alright.\n\nChannel 1: A\n\nChannel 0: Kit\n\nChannel 1: lot of\n\nChannel 0: built\n\nChannel 1: fun.\n\nChannel 0: helicopters. That sounds cool. I've never heard of that before.\n\nChannel 1: I mean, you can\n\nChannel 0: Alright.\n\nChannel 1: buy you can get them for, you know, small single seat airplanes as well.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: And what up to, like, two theaters? Or\n\nChannel 1: yeah. Well, you can get two feet airplanes as well as two feet hip built helicopters, which is the other one I've got. But yeah. Like, it's a yeah. It's pretty common thing where you're you're buying with the kit and you build them.\n\nChannel 0: Yeah. I'm seeing mosquitoes online.\n\nChannel 1: Mosquito helicopter?\n\nChannel 0: Oh. Yeah.\n\nChannel 1: Yeah. Similar\n\nChannel 0: That\n\nChannel 1: to\n\nChannel 0: kind\n\nChannel 1: that.\n\nChannel 0: of similar\n\nChannel 1: My one's\n\nChannel 0: to that.\n\nChannel 1: called a helicopter. The one I was just bought. It should be just do a quick Google search. It'll should pop up. Let me have\n\nChannel 0: Yeah.\n\nChannel 1: a look.\n\nChannel 0: Yeah. I can see that. It's the I don't know if you remember the old Mad Max movies, but it kinda reminds me of that a little bit.\n\nChannel 1: Yeah. It's sort\n\nChannel 0: Guys\n\nChannel 1: of like\n\nChannel 0: flying\n\nChannel 1: that.\n\nChannel 0: around\n\nChannel 1: That\n\nChannel 0: the\n\nChannel 1: one in Mad Max is a a gyrocopter,\n\nChannel 0: yeah. Okay.\n\nChannel 1: which it's still a little bit different in the the, I guess, the technology in which makes them fly because the helicopter uses it's like a normal helicopter. Like, the engine drives the main rotor blades. But\n\nChannel 0: Yep.\n\nChannel 1: in the Max, the actual rotor blades turn automatically with forward motion of the aircraft. So he's got a propeller at the back, which propels it forward, which causes the rotor blades to turn automatically just with the incoming airflow, and that's what causes it to to lift off the ground.\n\nChannel 0: Uh-huh. Oh, that's cool. Yeah. I've\n\nChannel 1: But\n\nChannel 0: just got\n\nChannel 1: they're,\n\nChannel 0: the old\n\nChannel 1: you know,\n\nChannel 0: Google\n\nChannel 1: they're\n\nChannel 0: open.\n\nChannel 1: still a lot of fun as well.\n\nChannel 0: So one's a gyrocopter.\n\nChannel 1: Yeah. The Mad Max one is a gyrocopter.\n\nChannel 0: Yep. Cool. Oh, that's awesome. I've never seen that before in a in someone's fact find with their assets. So I thought, oh, hella cup.\n\nThat's\n\nChannel 1: Really?\n\nChannel 0: cool.\n\nChannel 1: Yeah.\n\nChannel 0: I have had some one of those guys that do the old what's those backpack with the with the big spinners on them at the beach with flying around with\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: with\n\nChannel 0: the\n\nChannel 1: the\n\nChannel 0: parachute.\n\nChannel 1: big canopy, like a powered parachute.\n\nChannel 0: Yeah. With the parachute and the jetpack\n\nChannel 1: Yeah.\n\nChannel 0: on the back.\n\nChannel 1: I reckon\n\nChannel 0: That's\n\nChannel 1: I reckon that'll be a lot of fun too. It's\n\nChannel 0: yeah.\n\nChannel 1: like a with an engine.\n\nChannel 0: Give you some ideas for the next one.\n\nChannel 1: Sorry?\n\nChannel 0: I'll say give you some ideas for the next\n\nChannel 1: Oh,\n\nChannel 0: one.\n\nChannel 1: I do.\n\nChannel 0: You should pick one\n\nChannel 1: I'd I'd\n\nChannel 0: up.\n\nChannel 1: like to try it. Definitely.\n\nChannel 0: Oh, Shane, while I've got you as well, speaking of helicopters and everything, is there anything else, like, goals wise that's a cash flow priority for you for the next few years that I need to update?\n\nChannel 1: Not really. No. Not that I can not that I can think of.\n\nChannel 0: Yep. So just work on the properties, build the savings, have a bit of fun, and\n\nChannel 1: Oh,\n\nChannel 0: we'll\n\nChannel 1: yeah.\n\nChannel 0: focus on the Supra. Cool. Alrighty. I've got all the goals updated, your details. Is your BigPond email address still okay for all correspondence?\n\nChannel 1: Yeah. Yeah. Yep. I have been changed.\n\nChannel 0: Perfect. And then just in terms of relationship status, we've got you de facto with no dependents currently.\n\nChannel 1: Yep.\n\nChannel 0: Cool. And that should be about it. Savings wise, with the income going up, have you got a a set savings amount that you've managed to budget for now, or is it kind of a bit\n\nChannel 1: Well, I guess my\n\nChannel 0: sporadic?\n\nChannel 1: my intention is to pay off that helicopter loan. I got down fairly quickly.\n\nChannel 0: Yeah.\n\nChannel 1: Because I could have bought it cash, but then I sort of so, well, the difference between the offset of the amount and what I'd pay in cash wasn't all that much. I think it's about\n\nChannel 0: 0,\n\nChannel 1: two cents.\n\nChannel 0: gotcha.\n\nChannel 1: So I thought, well, I'll just get the loan and then pay that down as quick as I can.\n\nChannel 0: Oh, gotcha. Is that pretty similar in terms of if you got $45 out that we can put down that helicopter is valued at 45, or is it a bit more than that?\n\nChannel 1: Well, the helicopter, like, brand new. They're a 150 k landed in Australia. And I bought that off somebody who had bought it brand new, and I've started the build but never finished it.\n\nChannel 0: Yep.\n\nChannel 1: I I actually bought it for 50.\n\nChannel 0: 50.\n\nChannel 1: So still brand new, still never flown, never run, never finished. But\n\nChannel 0: Okay. I might even just put in there 50 purchase price, a 150 possible value just as an estimate.\n\nChannel 1: yeah.\n\nChannel 0: Obviously, it doesn't impact your super, but at least the context is there. With the the personal loan, so the last thing I wanted to check with you before I let you go is Kyle's previous recommendation around the life insurance\n\nChannel 1: Right.\n\nChannel 0: was that when we close down CareSuper, that will\n\nChannel 1: Yep.\n\nChannel 0: essentially cancel the cover that was attached to it because you do have quite a bit in assets, and you've got some cover with AustralianSuper too. So what that looks like is 77,000 worth of life and total disability insurance would be canceled, and\n\nChannel 1: Yep.\n\nChannel 0: then your life and TPD and a bit of income protection with AustralianSuper would stay.\n\nChannel 1: And how much was that?\n\nChannel 0: And I think 37,000 of life insurance, 9,000 of TPD, and 2,800 a month worth of income replacement.\n\nChannel 1: $2,000 a month.\n\nChannel 0: 2,800. Yeah. It's a very small small policy.\n\nChannel 1: So how do I increase all of that? Do I have to get in contact with AustralianSuper?\n\nChannel 0: Yeah. The only other way to get a new policy is we would go through, like, full underwriting, health and occupation, and do some quotes up with some insurers and see if anyone would offer a good deal. I can have a look into it. We definitely have to keep what you've got at the time being, but the income protection price, once you hit your fifties, you could be looking at 3 to 7,000 a year.\n\nChannel 1: Well.\n\nChannel 0: And before you know it, I've seen some policies recently of people who are about 58, 59, and they walked in the door. One was $12,000 a year, one was\n\nChannel 1: And that was just income protection, was\n\nChannel 0: 20.\n\nChannel 1: it?\n\nChannel 0: Yeah. To to protect a 6 figure income. They were admittedly a bit more blue collar, which is a bit more expensive.\n\nChannel 1: Yep.\n\nChannel 0: But the moment you hit the fifties, they do increase it, you know, 1,000, 2,000 a year pretty quickly. It's like a bit of a hockey stick graph. Starts off under a grand when you're 30, and then it's $2.5 when you're 40, and then it's 7, then it's 12, then it's 15.\n\nChannel 1: And what happens if you lose your job just through I don't know. Let's say you well, one of the things that worries me with my job, which I've seen other people do other drivers, they might have a pretty bad or a safety critical error, for example. And they can lose their jobs in in that respect.\n\nChannel 0: Oh, yeah. Yeah.\n\nChannel 1: For example, we had one guy who was instructed to reduce his speed to 25 kilometers an hour throughout a section of track where they had track workers. And he got a call on the radio for that. But then by the time he got there, he forgot. And then\n\nChannel 0: Yep.\n\nChannel 1: he had been flying through there at track speed, which was a 130. And, yeah, he got stood down immediately.\n\nChannel 0: Oh.\n\nChannel 1: And, actually, he didn't get the sack. He he but he never drove again, and he's now working doing admin work. So\n\nChannel 0: Right.\n\nChannel 1: they\n\nChannel 0: They just switched him.\n\nChannel 1: yeah. They retained him as an employee, but he's now on half the wage.\n\nChannel 0: Yeah.\n\nChannel 1: And that that's the sort of thing that worries me where, you know, you might accidentally do something wrong\n\nChannel 0: Yeah.\n\nChannel 1: and lose your job\n\nChannel 0: And\n\nChannel 1: even\n\nChannel 0: all of a sudden,\n\nChannel 1: though\n\nChannel 0: that income that's holding it all up is just all of a sudden half or less?\n\nChannel 1: yeah. Exactly. Exactly. And there's no guarantee they're gonna keep you employed either in that scenario.\n\nChannel 0: Yeah. They could file.\n\nChannel 1: Yeah. So does the income protection protect you for that?\n\nChannel 0: No. It only does illness and injury. Not legally allowed to do kind of redundancy or unemployment insurance because it competes, obviously, with Centrelink. I would have thought that they would have some sort of oh, I don't guess you guys are unionized, are\n\nChannel 1: Yeah. We do we do have a union.\n\nChannel 0: you? Because I know that some of the big, like, mining unions and things like that, if someone if something happens like that, they do have a pool of funds to help supplement people's families and things like that. I don't know if you guys have the same.\n\nChannel 1: Yeah. I don't know.\n\nChannel 0: Yep. Might be worth joining the next union meeting and checking.\n\nChannel 1: I'm finding out. Yeah.\n\nChannel 0: Yeah. Because that's a big risk in your industry compared to most other professions. I mean, there's\n\nChannel 1: No.\n\nChannel 0: always\n\nChannel 1: Absolutely.\n\nChannel 0: ways that you can mess up and be stood down, but that's a very simple thing of you slip up and you do the wrong speed, and all of a sudden, that whole thing's gone.\n\nChannel 1: Yeah. Absolutely. Yeah. So people are gonna have big mortgages and, you know, expensive lifestyles, but there's always the potential of it all coming crashing down if if I mess\n\nChannel 0: Yeah. What I might do is but I'll still just do up,\n\nChannel 1: up.\n\nChannel 0: like, a income protection quote. But with train driving, that occupation, they might not insure for. So I know there's some specific ones like pilots, trains, firefighters that are, you know, prison guard kind of excluded from\n\nChannel 1: Yep.\n\nChannel 0: the standard\n\nChannel 1: Yep.\n\nChannel 0: rotation. So I don't really like the chances of getting one. I definitely think the the Australian Super one is probably worth keeping. Even though it's minimal, it's better than zero.\n\nChannel 1: Yep. So am I allowed to have the two insurance policies, like one with Australian Super and the other with Care and have them running side by side?\n\nChannel 0: Yeah. So the the care one, you can, which would mean basically you're for that 37,000 worth of life insurance and total disability, sorry, 77, you would opt into the cover, sign a letter saying we don't want this to cancel if it's still there. And\n\nChannel 1: Yep.\n\nChannel 0: at most, you might have to throw in a small contribution once every year or two just so it doesn't go into an inactive state where they cancel it.\n\nChannel 1: Yeah. It's mostly worthwhile just to know.\n\nChannel 0: Yeah. It just obviously, the risk is you you're just running those for those policies.\n\nChannel 1: Yeah.\n\nChannel 0: We'll keep them going. But if you prefer to kind of have that extra little buffer there, I can do the research, make sure it's still in force. And if it is, we can get you to opt into it, and then we can just look after it for a little while longer.\n\nChannel 1: Yeah. I'll do the research and see what's available. And I'll make a decision once we've got all the all the options, I guess.\n\nChannel 0: Yep. So for now, I'm just gonna I think we're updating the hub twenty four portfolio, switching a couple of investments around.\n\nChannel 1: Yep.\n\nChannel 0: We'll do a bit of a sweep across from Australian super because that's built up, like you said, and then I'll just\n\nChannel 1: Yep.\n\nChannel 0: make sure both of them remain in force, get a bit of research on insurance options, and then we can touch base on that for the next one as well, whether we close them or keep them for another four or five years.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Sound good?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Cool. Alright. So I'll get working on that. Just keep an ear out if the team reaches out to sign another authority if we need to for the research,\n\nChannel 1: Yep.\n\nChannel 0: and I'm just going on a a small bit of leave with the family next week. As soon as\n\nChannel 1: Okay.\n\nChannel 0: I get back, that research will be completed, and I\n\nChannel 1: Yep.\n\nChannel 0: can kind of go through the updated plan with you and get you booked\n\nChannel 1: Yeah.\n\nChannel 0: in.\n\nChannel 1: No dramas. So how long would that be when you get back from your leave?\n\nChannel 0: So if I have a look next week, we'll have a we'll probably have our meeting booked by the end of the month.\n\nChannel 1: Okay. Yep. Yep.\n\nChannel 0: Yeah. Just as soon as I get back, I know that people have already been booked in. So\n\nChannel 1: Yeah.\n\nChannel 0: I just need\n\nChannel 1: Yep.\n\nChannel 0: to find a good time and day for you as soon as I've\n\nChannel 1: Yep.\n\nChannel 0: got the research done. But if there's any, like, delay with AustralianSuper or CareSuper, it might push it out a little bit. So I don't wanna give you a time frame and and not hit it.\n\nChannel 1: Yeah. No. I was just sort of wondering. Yeah. Just a a time frame.\n\nThat's all.\n\nChannel 0: Yep. No worries. Outside of that, so I've got everything I need to kind of refresh the advice and tweak the direction a little bit. Do\n\nChannel 1: Yep.\n\nChannel 0: you have any other questions for me at this point or anything else I can kind of factor in?\n\nChannel 1: Not that I can think of. No.\n\nChannel 0: Cool. Alrighty. Well, I'll jump on to that now. We'll reach out to you this week for any research requirements and then just keep an ear out for a booking in a few weeks' time.\n\nChannel 1: Yep. Thanks, sir.\n\nChannel 0: Awesome, Shane. Look. I appreciate the time this morning, and thanks for updating your details with me as well. I appreciate that.\n\nChannel 1: Yeah. No worries at all.\n\nChannel 0: Awesome, mate. Have a fantastic week.\n\nChannel 1: You too. Okay. See you.\n\nChannel 0: Thank you. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.16,"end":0.65999997,"sentiment":"neutral","sentiment_score":0.054842352867126465}],"sentiment":"neutral","sentiment_score":0.054842352867126465,"channel":1,"num_words":1,"start":0.16,"end":0.65999997},{"sentences":[{"text":"Good morning, Shane.","start":1.4399999,"end":2.3999999,"sentiment":"positive","sentiment_score":0.4197254280249278},{"text":"It's Tommy here, senior adviser from Oakview, mate.","start":2.3999999,"end":4.48,"sentiment":"neutral","sentiment_score":0.26426519826054573},{"text":"How are you doing today?","start":4.48,"end":5.54,"sentiment":"neutral","sentiment_score":0.28098684549331665}],"sentiment":"neutral","sentiment_score":0.2986395061016083,"channel":0,"num_words":16,"start":1.4399999,"end":5.54},{"sentences":[{"text":"Sorry.","start":7.7599998,"end":8.16,"sentiment":"neutral","sentiment_score":-0.053547367453575134},{"text":"Say that again?","start":8.16,"end":9.059999,"sentiment":"neutral","sentiment_score":-0.04690669601162275}],"sentiment":"neutral","sentiment_score":-0.048566863872110844,"channel":1,"num_words":4,"start":7.7599998,"end":9.059999},{"sentences":[{"text":"Sorry, mate.","start":9.28,"end":9.84,"sentiment":"neutral","sentiment_score":-0.02140905149281025},{"text":"It's Tommy here from Oakview.","start":9.84,"end":11.28,"sentiment":"neutral","sentiment_score":0.056643400341272354},{"text":"I'm one of the senior","start":11.28,"end":12.045,"sentiment":"neutral","sentiment_score":0.05306436568498611}],"sentiment":"neutral","sentiment_score":0.042143393928805985,"channel":0,"num_words":12,"start":9.28,"end":12.045},{"sentences":[{"text":"Yes.","start":12.96,"end":13.2,"sentiment":"neutral","sentiment_score":0.07387964427471161},{"text":"How are you going?","start":13.2,"end":14.0199995,"sentiment":"neutral","sentiment_score":0.09791742637753487}],"sentiment":"neutral","sentiment_score":0.09310986995697021,"channel":1,"num_words":5,"start":12.96,"end":14.0199995},{"sentences":[{"text":"advisers.","start":14.045,"end":14.525,"sentiment":"neutral","sentiment_score":0.0757540613412857},{"text":"Fantastic, mate.","start":14.525,"end":15.325,"sentiment":"positive","sentiment_score":0.7237822413444519},{"text":"I just had you booked in for a quick catch up about some advice updates.","start":15.325,"end":19.404999,"sentiment":"positive","sentiment_score":0.3630195120970408},{"text":"Do you have a bit of time for me still?","start":19.404999,"end":21.265,"sentiment":"neutral","sentiment_score":0.11881047561764717}],"sentiment":"neutral","sentiment_score":0.29131128505936693,"channel":0,"num_words":28,"start":14.045,"end":21.265},{"sentences":[{"text":"I sure do.","start":21.244999,"end":22.224998,"sentiment":"neutral","sentiment_score":0.2740176518758138}],"sentiment":"neutral","sentiment_score":0.2740176518758138,"channel":1,"num_words":3,"start":21.244999,"end":22.224998},{"sentences":[{"text":"Fantastic.","start":22.765,"end":23.265,"sentiment":"positive","sentiment_score":0.6233720779418945},{"text":"So I've got some previous advice documents open with me that we can kind of run over together.","start":23.404999,"end":28.47,"sentiment":"neutral","sentiment_score":0.32245800064669716},{"text":"And","start":28.77,"end":29.09,"sentiment":"neutral","sentiment_score":0.12540659308433533}],"sentiment":"neutral","sentiment_score":0.3276511341333389,"channel":0,"num_words":20,"start":22.765,"end":29.09},{"sentences":[{"text":"Yep.","start":28.845,"end":29.345,"sentiment":"neutral","sentiment_score":0.11529825627803802}],"sentiment":"neutral","sentiment_score":0.11529825627803802,"channel":1,"num_words":1,"start":28.845,"end":29.345},{"sentences":[{"text":"just before I jump into it, Shane, I just wanna check security with you if that's okay.","start":29.09,"end":33.510002,"sentiment":"neutral","sentiment_score":0.10144932085976881},{"text":"Cool.","start":35.01,"end":35.25,"sentiment":"neutral","sentiment_score":0.27613142132759094},{"text":"So just to let you know the call is recorded.","start":35.25,"end":37.43,"sentiment":"neutral","sentiment_score":0.12988561093807222},{"text":"And if I could please confirm your date of birth and address.","start":37.57,"end":40.395,"sentiment":"neutral","sentiment_score":0.06864039599895477}],"sentiment":"neutral","sentiment_score":0.103082768432796,"channel":0,"num_words":40,"start":29.09,"end":40.395},{"sentences":[{"text":"Yep.","start":40.96,"end":41.2,"sentiment":"neutral","sentiment_score":0.019534816965460777},{"text":"06/10/1970.","start":41.2,"end":42.88,"sentiment":"neutral","sentiment_score":0.016203543171286583},{"text":"21 King Street, Wallen, Victoria.","start":42.88,"end":44.9,"sentiment":"neutral","sentiment_score":0.01832516361027956}],"sentiment":"neutral","sentiment_score":0.018194882598306452,"channel":1,"num_words":7,"start":40.96,"end":44.9},{"sentences":[{"text":"Address.","start":45.435,"end":45.755,"sentiment":"neutral","sentiment_score":0.029674693942070007},{"text":"Sensational.","start":45.755,"end":46.255,"sentiment":"neutral","sentiment_score":0.05066942051053047},{"text":"And I'm registered with Asic as adviser 1273105.","start":46.475,"end":50.575,"sentiment":"neutral","sentiment_score":0.045316670555621386},{"text":"Mate, main reason for the call this morning is some advice that Carl went through with you a bit earlier in the 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see","start":60.0,"end":68.08,"sentiment":"neutral","sentiment_score":-0.03273552054396042}],"sentiment":"neutral","sentiment_score":-0.04130948521196842,"channel":0,"num_words":28,"start":58.96,"end":68.08},{"sentences":[{"text":"Yep.","start":68.07,"end":68.57,"sentiment":"neutral","sentiment_score":0.005268221255391836}],"sentiment":"neutral","sentiment_score":0.005268221255391836,"channel":1,"num_words":1,"start":68.07,"end":68.57},{"sentences":[{"text":"if there's been any significant changes, if you're still comfortable with those ideas, or if we have to kind of change the strategies around.","start":68.08,"end":74.695,"sentiment":"neutral","sentiment_score":-0.04238422649602095},{"text":"Now just quickly as well, so that 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bell.","start":80.035,"end":94.56,"sentiment":"neutral","sentiment_score":0.03841955803737447}],"sentiment":"neutral","sentiment_score":0.03841955803737447,"channel":0,"num_words":37,"start":80.035,"end":94.56},{"sentences":[{"text":"Yeah.","start":95.57,"end":95.89,"sentiment":"neutral","sentiment_score":-0.007811984047293663},{"text":"I think it was closing care.","start":95.89,"end":99.35,"sentiment":"neutral","sentiment_score":-0.05505334337552389},{"text":"I think it was called.","start":100.815,"end":102.195,"sentiment":"neutral","sentiment_score":-0.030388936400413513}],"sentiment":"neutral","sentiment_score":-0.040839727191875376,"channel":1,"num_words":12,"start":95.57,"end":102.195},{"sentences":[{"text":"Yeah.","start":102.715,"end":103.035,"sentiment":"neutral","sentiment_score":0.03097592294216156},{"text":"That's right.","start":103.035,"end":103.515,"sentiment":"neutral","sentiment_score":0.06799621880054474},{"text":"It was consolidate care 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quickly.","start":862.255,"end":863.795,"sentiment":"negative","sentiment_score":-0.44606029987335205}],"sentiment":"neutral","sentiment_score":-0.2805617462311472,"channel":1,"num_words":14,"start":858.735,"end":863.795},{"sentences":[{"text":"Yeah.","start":864.465,"end":864.965,"sentiment":"neutral","sentiment_score":-0.11769481003284454}],"sentiment":"neutral","sentiment_score":-0.11769481003284454,"channel":0,"num_words":1,"start":864.465,"end":864.965},{"sentences":[{"text":"Because I could have bought it cash, but then I sort of so, well, the difference between the offset of the amount and what I'd pay in cash wasn't all that much.","start":865.41003,"end":880.795,"sentiment":"neutral","sentiment_score":-0.19732411904260516},{"text":"I think it's 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sign another authority if we need to for the research,","start":1388.39,"end":1394.29,"sentiment":"neutral","sentiment_score":0.18384031738553727}],"sentiment":"neutral","sentiment_score":0.2324330385388999,"channel":0,"num_words":29,"start":1385.715,"end":1394.29},{"sentences":[{"text":"Yep.","start":1393.8,"end":1394.3,"sentiment":"neutral","sentiment_score":0.1010705977678299}],"sentiment":"neutral","sentiment_score":0.1010705977678299,"channel":1,"num_words":1,"start":1393.8,"end":1394.3},{"sentences":[{"text":"and I'm just going on a a small bit of leave with the family next week.","start":1394.49,"end":1399.03,"sentiment":"neutral","sentiment_score":0.035326946061104536},{"text":"As soon as","start":1399.03,"end":1399.51,"sentiment":"neutral","sentiment_score":0.06155662486950556}],"sentiment":"neutral","sentiment_score":0.03946847429400996,"channel":0,"num_words":19,"start":1394.49,"end":1399.51},{"sentences":[{"text":"Okay.","start":1399.4,"end":1399.9,"sentiment":"neutral","sentiment_score":0.10862702131271362}],"sentiment":"neutral","sentiment_score":0.10862702131271362,"channel":1,"num_words":1,"start":1399.4,"end":1399.9},{"sentences":[{"text":"I get back, that research will be completed, and I","start":1399.51,"end":1402.045,"sentiment":"neutral","sentiment_score":0.1823179766535759}],"sentiment":"neutral","sentiment_score":0.1823179766535759,"channel":0,"num_words":10,"start":1399.51,"end":1402.045},{"sentences":[{"text":"Yep.","start":1402.04,"end":1402.54,"sentiment":"neutral","sentiment_score":0.25461050868034363}],"sentiment":"neutral","sentiment_score":0.25461050868034363,"channel":1,"num_words":1,"start":1402.04,"end":1402.54},{"sentences":[{"text":"can kind of go through the updated plan with you and get you booked","start":1402.045,"end":1405.245,"sentiment":"neutral","sentiment_score":0.2602280537996973}],"sentiment":"neutral","sentiment_score":0.2602280537996973,"channel":0,"num_words":14,"start":1402.045,"end":1405.245},{"sentences":[{"text":"Yeah.","start":1405.0,"end":1405.5,"sentiment":"neutral","sentiment_score":0.06571044772863388}],"sentiment":"neutral","sentiment_score":0.06571044772863388,"channel":1,"num_words":1,"start":1405.0,"end":1405.5},{"sentences":[{"text":"in.","start":1405.245,"end":1405.745,"sentiment":"neutral","sentiment_score":0.03278730809688568}],"sentiment":"neutral","sentiment_score":0.03278730809688568,"channel":0,"num_words":1,"start":1405.245,"end":1405.745},{"sentences":[{"text":"No dramas.","start":1406.0951,"end":1406.7351,"sentiment":"neutral","sentiment_score":-0.015685010701417923},{"text":"So how long would that be when you get back from your leave?","start":1406.7351,"end":1410.915,"sentiment":"neutral","sentiment_score":-0.025272757531358644}],"sentiment":"neutral","sentiment_score":-0.023994391287366548,"channel":1,"num_words":15,"start":1406.0951,"end":1410.915},{"sentences":[{"text":"So if I have a look next week, we'll have a we'll probably have our meeting booked by the end of the month.","start":1412.4451,"end":1419.5701,"sentiment":"neutral","sentiment_score":0.04757364685444728}],"sentiment":"neutral","sentiment_score":0.04757364685444728,"channel":0,"num_words":23,"start":1412.4451,"end":1419.5701},{"sentences":[{"text":"Okay.","start":1419.8551,"end":1420.255,"sentiment":"neutral","sentiment_score":0.07162073254585266},{"text":"Yep.","start":1420.255,"end":1420.7351,"sentiment":"neutral","sentiment_score":0.06121990084648132},{"text":"Yep.","start":1420.7351,"end":1421.1,"sentiment":"neutral","sentiment_score":0.07237397879362106}],"sentiment":"neutral","sentiment_score":0.06840487072865169,"channel":1,"num_words":3,"start":1419.8551,"end":1421.1},{"sentences":[{"text":"Yeah.","start":1421.23,"end":1421.73,"sentiment":"neutral","sentiment_score":0.07459450513124466},{"text":"Just as soon as I get back, I know that people have already been booked in.","start":1422.3501,"end":1426.53,"sentiment":"neutral","sentiment_score":0.02395484468434006},{"text":"So","start":1426.8301,"end":1426.99,"sentiment":"neutral","sentiment_score":0.03636668622493744}],"sentiment":"neutral","sentiment_score":0.02745770590586795,"channel":0,"num_words":18,"start":1421.23,"end":1426.99},{"sentences":[{"text":"Yeah.","start":1426.94,"end":1427.34,"sentiment":"neutral","sentiment_score":0.006764151155948639}],"sentiment":"neutral","sentiment_score":0.006764151155948639,"channel":1,"num_words":1,"start":1426.94,"end":1427.34},{"sentences":[{"text":"I just need","start":1426.99,"end":1427.4701,"sentiment":"neutral","sentiment_score":-0.03142811357975006}],"sentiment":"neutral","sentiment_score":-0.03142811357975006,"channel":0,"num_words":3,"start":1426.99,"end":1427.4701},{"sentences":[{"text":"Yep.","start":1427.34,"end":1427.84,"sentiment":"neutral","sentiment_score":0.025789476931095123}],"sentiment":"neutral","sentiment_score":0.025789476931095123,"channel":1,"num_words":1,"start":1427.34,"end":1427.84},{"sentences":[{"text":"to find a good time and day for you as soon as I've","start":1427.4701,"end":1429.7101,"sentiment":"neutral","sentiment_score":0.08087545518691723}],"sentiment":"neutral","sentiment_score":0.08087545518691723,"channel":0,"num_words":13,"start":1427.4701,"end":1429.7101},{"sentences":[{"text":"Yep.","start":1429.58,"end":1430.08,"sentiment":"neutral","sentiment_score":-0.004050283692777157}],"sentiment":"neutral","sentiment_score":-0.004050283692777157,"channel":1,"num_words":1,"start":1429.58,"end":1430.08},{"sentences":[{"text":"got the research done.","start":1429.7101,"end":1430.93,"sentiment":"neutral","sentiment_score":-0.02338399924337864},{"text":"But if there's any, like, delay with AustralianSuper or CareSuper, it might push it out a little bit.","start":1431.23,"end":1435.1151,"sentiment":"neutral","sentiment_score":-0.29260214335388607},{"text":"So I don't wanna give you a time frame and and not hit it.","start":1435.1151,"end":1438.5751,"sentiment":"neutral","sentiment_score":-0.2498355039528438}],"sentiment":"neutral","sentiment_score":-0.24605754535231325,"channel":0,"num_words":36,"start":1429.7101,"end":1438.5751},{"sentences":[{"text":"Yeah.","start":1438.6849,"end":1439.085,"sentiment":"neutral","sentiment_score":-0.06423231959342957},{"text":"No.","start":1439.085,"end":1439.205,"sentiment":"neutral","sentiment_score":-0.10044001042842864},{"text":"I was just sort of wondering.","start":1439.205,"end":1440.5449,"sentiment":"neutral","sentiment_score":-0.09760732327898343},{"text":"Yeah.","start":1440.605,"end":1440.845,"sentiment":"neutral","sentiment_score":-0.036262594163417816},{"text":"Just a a time frame.","start":1440.845,"end":1442.125,"sentiment":"neutral","sentiment_score":-0.0477026142179966}],"sentiment":"neutral","sentiment_score":-0.07322085249636855,"channel":1,"num_words":14,"start":1438.6849,"end":1442.125},{"sentences":[{"text":"That's all.","start":1442.125,"end":1442.865,"sentiment":"neutral","sentiment_score":-0.008908139541745186}],"sentiment":"neutral","sentiment_score":-0.008908139541745186,"channel":1,"num_words":2,"start":1442.125,"end":1442.865},{"sentences":[{"text":"Yep.","start":1443.275,"end":1443.675,"sentiment":"neutral","sentiment_score":0.05436351150274277},{"text":"No worries.","start":1443.675,"end":1444.35,"sentiment":"neutral","sentiment_score":0.03066304512321949},{"text":"Outside of that, so I've got everything I need to kind of refresh the advice and tweak the direction a little bit.","start":1445.71,"end":1451.39,"sentiment":"neutral","sentiment_score":0.04826958866959268},{"text":"Do","start":1451.39,"end":1451.63,"sentiment":"neutral","sentiment_score":0.07573100179433823}],"sentiment":"neutral","sentiment_score":0.04820582901055996,"channel":0,"num_words":26,"start":1443.275,"end":1451.63},{"sentences":[{"text":"Yep.","start":1451.5599,"end":1452.0599,"sentiment":"neutral","sentiment_score":0.07799994945526123}],"sentiment":"neutral","sentiment_score":0.07799994945526123,"channel":1,"num_words":1,"start":1451.5599,"end":1452.0599},{"sentences":[{"text":"you have any other questions for me at this point or anything else I can kind of factor in?","start":1451.63,"end":1455.73,"sentiment":"neutral","sentiment_score":0.07062827923188084}],"sentiment":"neutral","sentiment_score":0.07062827923188084,"channel":0,"num_words":19,"start":1451.63,"end":1455.73},{"sentences":[{"text":"Not that I can think of.","start":1457.0,"end":1458.28,"sentiment":"neutral","sentiment_score":-0.124537688990434},{"text":"No.","start":1458.28,"end":1458.78,"sentiment":"neutral","sentiment_score":-0.03744244948029518}],"sentiment":"neutral","sentiment_score":-0.11209551191755704,"channel":1,"num_words":7,"start":1457.0,"end":1458.78},{"sentences":[{"text":"Cool.","start":1461.025,"end":1461.525,"sentiment":"neutral","sentiment_score":0.15681259334087372},{"text":"Alrighty.","start":1463.025,"end":1463.525,"sentiment":"neutral","sentiment_score":0.17783230543136597},{"text":"Well, I'll jump on to that now.","start":1463.5851,"end":1466.165,"sentiment":"neutral","sentiment_score":0.1677490845322609},{"text":"We'll reach out to you this week for any research requirements and then just keep an ear out for a booking in a few weeks' time.","start":1466.225,"end":1471.845,"sentiment":"neutral","sentiment_score":0.2592138900206639}],"sentiment":"neutral","sentiment_score":0.23566998945815223,"channel":0,"num_words":35,"start":1461.025,"end":1471.845},{"sentences":[{"text":"Yep.","start":1471.835,"end":1472.335,"sentiment":"neutral","sentiment_score":0.3330974578857422},{"text":"Thanks, sir.","start":1472.475,"end":1473.27,"sentiment":"positive","sentiment_score":0.7707043290138245}],"sentiment":"positive","sentiment_score":0.6248353719711304,"channel":1,"num_words":3,"start":1471.835,"end":1473.27},{"sentences":[{"text":"Awesome, Shane.","start":1473.5851,"end":1474.225,"sentiment":"positive","sentiment_score":0.8441645801067352},{"text":"Look.","start":1474.225,"end":1474.385,"sentiment":"positive","sentiment_score":0.7188279628753662},{"text":"I appreciate the time this morning, and thanks for updating your details with me as well.","start":1474.385,"end":1478.3201,"sentiment":"positive","sentiment_score":0.7947285659611225},{"text":"I appreciate that.","start":1478.3201,"end":1479.38,"sentiment":"positive","sentiment_score":0.7606310645739237}],"sentiment":"positive","sentiment_score":0.7911230623722076,"channel":0,"num_words":22,"start":1473.5851,"end":1479.38},{"sentences":[{"text":"Yeah.","start":1479.35,"end":1479.67,"sentiment":"positive","sentiment_score":0.5017331838607788},{"text":"No worries at all.","start":1479.67,"end":1480.81,"sentiment":"positive","sentiment_score":0.47268739342689514}],"sentiment":"positive","sentiment_score":0.4784965515136719,"channel":1,"num_words":5,"start":1479.35,"end":1480.81},{"sentences":[{"text":"Awesome, mate.","start":1481.68,"end":1482.24,"sentiment":"positive","sentiment_score":0.8678820133209229},{"text":"Have a fantastic week.","start":1482.24,"end":1483.62,"sentiment":"positive","sentiment_score":0.81856270134449}],"sentiment":"positive","sentiment_score":0.835002472003301,"channel":0,"num_words":6,"start":1481.68,"end":1483.62},{"sentences":[{"text":"You too.","start":1483.8301,"end":1484.5701,"sentiment":"positive","sentiment_score":0.6205944716930389},{"text":"Okay.","start":1484.71,"end":1485.1901,"sentiment":"positive","sentiment_score":0.46433258056640625},{"text":"See you.","start":1485.1901,"end":1485.85,"sentiment":"positive","sentiment_score":0.4945216476917267}],"sentiment":"positive","sentiment_score":0.5389129638671875,"channel":1,"num_words":5,"start":1483.8301,"end":1485.85},{"sentences":[{"text":"Thank you.","start":1486.0,"end":1486.56,"sentiment":"positive","sentiment_score":0.6675021648406982},{"text":"Bye.","start":1486.56,"end":1487.06,"sentiment":"positive","sentiment_score":0.37473177909851074}],"sentiment":"positive","sentiment_score":0.5699120362599691,"channel":0,"num_words":3,"start":1486.0,"end":1487.06},{"sentences":[{"text":"Bye.","start":1487.03,"end":1487.53,"sentiment":"neutral","sentiment_score":-0.11158812791109084}],"sentiment":"neutral","sentiment_score":-0.11158812791109084,"channel":1,"num_words":1,"start":1487.03,"end":1487.53}]},"summary":{"result":"success","short":"The adviser from Oakview called Shane to discuss their investment portfolio and retirement plans. They discussed the income and occupation of the customer, and provided information on their retirement savings and income. The agent suggested increasing the policy to cover a small amount of income and discussed joining a union meeting to explore insurance options. The agent will update the customer's portfolio and research their insurance options for the next meeting."},"intents":{"segments":[{"text":"just before I jump into it, Shane, I just wanna check security with you if that's okay. Cool.","start_word":90,"end_word":107,"intents":[{"intent":"Check security","confidence_score":0.14471523}]},{"text":"in February, it was basically looking at updating the portfolio in your main super fund, doing a consolidation of one of them, and just keeping the other one there for the insurances if that rings a bell. Yeah.","start_word":233,"end_word":270,"intents":[{"intent":"Update portfolio","confidence_score":0.035664722}]},{"text":"I think it was closing care. I think it was called. Yeah. That's right. It was consolidate care super. Keep most of Australian super still going for a little while with the insurances. Yeah.","start_word":271,"end_word":304,"intents":[{"intent":"Consolidate insurances","confidence_score":0.013291271}]},{"text":"It was consolidate care super. Keep most of Australian super still going for a little while with the insurances. Yeah.","start_word":285,"end_word":304,"intents":[{"intent":"Consolidate care super","confidence_score":0.49500942}]},{"text":"then I just need to update we we get some updated research from those two funds, and I'll refresh your advice document, and then I can get that sent through to you Right.","start_word":392,"end_word":424,"intents":[{"intent":"Update research and advice","confidence_score":0.110765435},{"intent":"Update research and advise","confidence_score":0.0025267159},{"intent":"Refresh advice document","confidence_score":0.0033041406}]},{"text":"Because sometimes what happens is if there's, like, six recommendations in the document, some people will sign off saying go through with all six or maybe just these four. I don't wanna proceed with these two, and we just need that sort of sign off on file before we can do anything. Yep.","start_word":473,"end_word":525,"intents":[{"intent":"Execute recommendations","confidence_score":0.0531101}]},{"text":"So what I'll do, I've just got the details open in front of me. So scoping wise, just quickly as well, So we weren't giving any kind of budgeting or debt management advice on property. Seemed like you had that handled pretty well with your new salary and just, you know, working on your budget and your mortgage. Yep.","start_word":529,"end_word":587,"intents":[{"intent":"Work on budgeting and mortgage","confidence_score":0.0006305179}]},{"text":"So scoping wise, just quickly as well, So we weren't giving any kind of budgeting or debt management advice on property. Seemed like you had that handled pretty well with your new salary and just, you know, working on your budget and your mortgage. Yep.","start_word":543,"end_word":587,"intents":[{"intent":"Scope planning and property strategy","confidence_score":5.012331e-7}]},{"text":"Some clients, we just, you know, educate on how offset account work, different strategies and options, and it ranges all the way up to debt management strategies where if someone has three or four properties, we will project those out and say, okay.","start_word":632,"end_word":674,"intents":[{"intent":"Project plans","confidence_score":0.014574797}]},{"text":"What's the most effective way to pay down the debt, grow the wealth, and what does that look like in five, ten, twenty years' time?","start_word":676,"end_word":700,"intents":[{"intent":"Find effective ways to pay debt and grow wealth","confidence_score":0.00038039676}]},{"text":"It's always a funny thing is politics pops up, changes things, and then it changes back and it changes hands, and we just try and keep on top of the legislation. And when opportunities open up, run them by you guys. Yep.","start_word":771,"end_word":812,"intents":[{"intent":"Keep on top of legislation","confidence_score":0.052547634}]},{"text":"Details wise, Shane, I'm just having a look at the three funds. I can't quite see if we have valid authorities on file to get the research for these. So I will just quickly touch base with my admin team after this call, and I may need to send you through a third party authority. But if it's Yep. still valid, we'll just call them and get the details. Yeah.","start_word":815,"end_word":884,"intents":[{"intent":"Research funds","confidence_score":0.034459326},{"intent":"Touch base with admin team","confidence_score":0.6042184}]},{"text":"Just quickly on the income and occupation. So we had you as a train driver on a 150,000. Yep. Well, Cool.","start_word":889,"end_word":909,"intents":[{"intent":"Discuss income and occupation","confidence_score":0.007415039}]},{"text":"Anytime someone's above a combination of income and super contributions that combined are above 250,000, they lump you into a new tax category called division two nine three, which basically just means you cop a bit of extra tax on super contributions for being a high earner. Right.","start_word":1063,"end_word":1110,"intents":[{"intent":"Provide tax code","confidence_score":0.00335287}]},{"text":"So what tends to happen is because you know how the cap's kind of 30,000, someone who's on $2.50 will essentially get 30 or above automatically going in and would kind of breach the cap kind of thing.","start_word":1119,"end_word":1156,"intents":[{"intent":"Inform about tax cap","confidence_score":0.000008043187}]},{"text":"And then what happens is in your tax return, you'll actually get a letter from the tax office saying you've gotten the division two nine three category. Here's a bill for $2. You can either pay it personally or release some money from super to pay for the extra contribution tax. Okay.","start_word":1157,"end_word":1208,"intents":[{"intent":"Schedule tax return","confidence_score":0.0007883019}]},{"text":"So yours, nothing at the moment. I'm just checking the contributions that are going in to see if I can see if it's gonna kind of eclipse that and trigger the category just so that in the document, I can show you kind of what that looks like. Okay.","start_word":1221,"end_word":1269,"intents":[{"intent":"Check contributions","confidence_score":0.00024292104}]},{"text":"But that would Unfortunately, be there's that would be calculated from my taxable income, won't it? Like, when I do my tax return? Gross income.","start_word":1423,"end_word":1447,"intents":[{"intent":"Calculate taxable income","confidence_score":0.33804318},{"intent":"Calculate taxable income","confidence_score":0.17242834}]},{"text":"So before any kind of tax concessions or anything like that, they just go total income, total contributions, and then they just see if it's above the threshold. Yeah.","start_word":1448,"end_word":1476,"intents":[{"intent":"Calculate tax tax concessions","confidence_score":0.007467595}]},{"text":"Assets wise, home investment property. Yeah. No We no Yeah. changes there. Yep. Just just round figures wise, I think we had 700 and Yep. 90,000 owing on the home and about 200,000 owing on the investment property. And home value 1.1, the investment property, 400. Three property 400.","start_word":1534,"end_word":1582,"intents":[{"intent":"Determine asset value","confidence_score":0.010903008}]},{"text":"I don't know if your savings have kind of increased or decreased. No.","start_word":1591,"end_word":1603,"intents":[{"intent":"Check savings","confidence_score":0.0023601768}]},{"text":"And the other thing was a helicopter. Yep. Sensational. No other, like, shares or loans, personal loans, or anything like that? I've got a personal loan now for $45,000. Yep. 35 No. thousand It's just dollars. for another another home built helicopter. Well, it's a kit. We gotta put it together now. Get to put together.","start_word":1609,"end_word":1664,"intents":[{"intent":"Put together helicopter","confidence_score":0.04712565}]},{"text":"With the the personal loan, so the last thing I wanted to check with you before I let you go is Kyle's previous recommendation around the life insurance Right.","start_word":2555,"end_word":2583,"intents":[{"intent":"Check insurance coverage","confidence_score":0.08114189}]},{"text":"then your life and TPD and a bit of income protection with AustralianSuper would stay. And how much was that?","start_word":2640,"end_word":2659,"intents":[{"intent":"Explain policy terms and cost","confidence_score":0.0000033144559}]},{"text":"So people are gonna have big mortgages and, you know, expensive lifestyles, but there's always the potential of it all coming crashing down if if I mess Yeah.","start_word":3328,"end_word":3355,"intents":[{"intent":"Reduce premiums","confidence_score":0.00012352155}]},{"text":"So am I allowed to have the two insurance policies, like one with Australian Super and the other with Care and have them running side by side? Yeah. So the the care one, you can, which would mean basically you're for that 37,000 worth of life insurance and total disability, sorry, 77, you would opt into the cover, sign a letter saying we don't want this to cancel if it's still there. And Yep.","start_word":3441,"end_word":3514,"intents":[{"intent":"Keep insurance policies","confidence_score":0.20226133}]},{"text":"So the the care one, you can, which would mean basically you're for that 37,000 worth of life insurance and total disability, sorry, 77, you would opt into the cover, sign a letter saying we don't want this to cancel if it's still there. And Yep.","start_word":3469,"end_word":3514,"intents":[{"intent":"Opt into coverage","confidence_score":0.22652668}]},{"text":"I'll do the research and see what's available. And I'll make a decision once we've got all the all the options, I guess. Yep.","start_word":3621,"end_word":3644,"intents":[{"intent":"Make a decision","confidence_score":0.35813737}]},{"text":"So for now, I'm just gonna I think we're updating the hub twenty four portfolio, switching a couple of investments around.","start_word":3645,"end_word":3665,"intents":[{"intent":"Update portfolio","confidence_score":0.19937329}]},{"text":"So if I have a look next week, we'll have a we'll probably have our meeting booked by the end of the month. Okay. Yep.","start_word":3833,"end_word":3857,"intents":[{"intent":"Plan meeting","confidence_score":0.00909891}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.054842352867126465},{"text":"Good morning, Shane.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.41477498412132263},{"text":"It's Tommy here, senior adviser from Oakview, mate. How are you doing today? Sorry. Say that again? Sorry, mate. It's Tommy here from Oakview. I'm one of the senior Yes. How are you going? advisers.","start_word":4,"end_word":38,"sentiment":"neutral","sentiment_score":0.12263166904449464},{"text":"Fantastic, mate. I just had you booked in for a quick catch up about some advice updates.","start_word":39,"end_word":55,"sentiment":"positive","sentiment_score":0.439410388469696},{"text":"Do you have a bit of time for me still? I sure do.","start_word":56,"end_word":68,"sentiment":"neutral","sentiment_score":0.1605619192123413},{"text":"Fantastic.","start_word":69,"end_word":69,"sentiment":"positive","sentiment_score":0.6233720779418945},{"text":"So I've got some previous advice documents open with me that we can kind of run over together. And Yep. just before I jump into it, Shane, I just wanna check security with you if that's okay. Cool. So just to let you know the call is recorded. And if I could please confirm your date of birth and address. Yep. 06/10/1970. 21 King Street, Wallen, Victoria. Address. Sensational. And I'm registered with Asic as adviser 1273105. Mate, main reason for the call this morning is some advice that Carl went through with you a bit earlier in the year Yeah. has expired. And so, basically, what I wanted to do was just run through what he was recommending at the time, your circumstances it was based on, see Yep. if there's been any significant changes, if you're still comfortable with those ideas, or if we have to kind of change the strategies around. Now just quickly as well, so that advice Yep. in February, it was basically looking at updating the portfolio in your main super fund, doing a consolidation of one of them, and just keeping the other one there for the insurances if that rings a bell. Yeah. I think it was closing care. I think it was called. Yeah. That's right. It was consolidate care super. Keep most of Australian super still going for a little while with the insurances. Yeah. That's that's what my wage was paid into. Yes. Pipping that one for the insurance. And I think what the strategy was to, I think, every year take out most of the funds in Australian Super and transfer them to is it a 124? Yeah. That's correct.","start_word":70,"end_word":351,"sentiment":"neutral","sentiment_score":0.04594452639526509},{"text":"Yeah. Yeah. I'm still happy to do that. Yeah. Cool.","start_word":352,"end_word":361,"sentiment":"positive","sentiment_score":0.6041951179504395},{"text":"So what I basically need to do from here is I'll double check your details that we noted on file, just make sure that hasn't changed too much. And Yep. then I just need to update we we get some updated research from those two funds, and I'll refresh your advice document, and then I can get that sent through to you Right. And what do I as have to do with that? well. Basically, if you're comfortable with it, just sign off on it so we can action it. Oh, okay. Is that why nothing was done last time? Because Yeah. I Correct. So the okay. old authority to proceed. Because sometimes what happens is if there's, like, six recommendations in the document, some people will sign off saying go through with all six or maybe just these four. I don't wanna proceed with these two, and we just need that sort of sign off on file before we can do anything. Yep. Okay. Yep. Cool. So what I'll do, I've just got the details open in front of me. So scoping wise, just quickly as well, So we weren't giving any kind of budgeting or debt management advice on property. Seemed like you had that handled pretty well with your new salary and just, you know, working on your budget and your mortgage. Yep. Estate What advice planning. do you guess regarding property anyway? There's a bit of a range. So when it comes to property, we do we start off with general advice where we talk about, okay, what's the plans with it? What are the options? Some clients, we just, you know, educate on how offset account work, different strategies and options, and it ranges all the way up to debt management strategies where if someone has three or four properties, we will project those out and say, okay.","start_word":362,"end_word":674,"sentiment":"neutral","sentiment_score":0.047618791460990906},{"text":"What's the most effective way to pay down the debt, grow the wealth, and what does that look like in five, ten, twenty years' time?","start_word":675,"end_word":699,"sentiment":"positive","sentiment_score":0.4223308861255646},{"text":"Oh, okay. Yep. Yeah. We used to do a bit of property through super as well, but the government's just kind of put a ban on that. So Yep.","start_word":700,"end_word":728,"sentiment":"neutral","sentiment_score":-0.10677842795848846},{"text":"that one has disappeared.","start_word":729,"end_word":732,"sentiment":"negative","sentiment_score":-0.3607334792613983},{"text":"Yeah. Hopefully, Yeah. it'll Sorry. well, hopefully, it'll come back like it did back in the eighties, I think it was, Yeah. after about two years when they realized it wasn't quite working the way they expected. Yeah. It's always a funny thing is politics pops up, changes things, and then it changes back and it changes hands, and we just try and keep on top of the legislation. And when opportunities open up, run them by you guys. Yep. Yep. Alright. Details wise, Shane, I'm just having a look at the three funds. I can't quite see if we have valid authorities on file to get the research for these. So I will just quickly touch base with my admin team after this call, and I may need to send you through a third party authority. But if it's Yep. still valid, we'll just call them and get the details. Yeah. For sure. Yep. Cool. Just quickly on the income and occupation. So we had you as a train driver on a 150,000. Yep. Well, Cool. that's essentially gone up. My my tax return, it was a Yeah. 178,000. But it would have been more because I had a month off work without paying, and that cost me about $18,000. Yeah. Right. It'll So if I go be a it'll 100 be over and it'll be 200. And plus Yes. three quarters of probably a quarter of that was still on a training wage. So I was only on full pay since September last year. So it'll be well over 200. Okay. So September last year. So it'll be well over Okay. 200. So what I'll do is I'll say 200,000 plus at the moment, and then Yep. because that'll get you close to that division two nine three section for people on about $2.30, $2.50, I'm And what gonna does go that mean? to so I'll give you the example of my father-in-law. So Yes. he's on 260,000. Anytime someone's above a combination of income and super contributions that combined are above 250,000, they lump you into a new tax category called division two nine three, which basically just means you cop a bit of extra tax on super contributions for being a high earner. Right. Really? Even if you're not contributing anymore. Yeah. So what tends to happen is because you know how the cap's kind of 30,000, someone who's on $2.50 will essentially get 30 or above automatically going in and would kind of breach the cap kind of thing. And then what happens is in your tax return, you'll actually get a letter from the tax office saying you've gotten the division two nine three category. Here's a bill for $2. You can either pay it personally or release some money from super to pay for the extra contribution tax. Okay. So what are you doing with mine at this point in time? So yours, nothing at the moment. I'm just checking the contributions that are going in to see if I can see if it's gonna kind of eclipse that and trigger the category just so that in the document, I can show you kind of what that looks like. Okay. Yep. The long and short of it essentially is normally super contributions are taxed at 15% Yep. instead of, like, your Yep. 47%. If you hit that category, a portion of them will be taxed at 30 instead. So it'll still be concessional, just not as good. Right. Right. But as you But get that's close to above that, I'll what? let you know. So that's getting up to 250 k income. Yeah. So I think if you were to hit maybe $2. 30 Yep. with the 12% added on would probably trigger it. So it's people for around about $2.30, $2.50. It starts to kick in. Okay. Yep. So that's why the moment you said above 200, I just said, I'll check your contributions and see if I can extrapolate that out for a year, and then that'll give me an idea if you're gonna hit that or not. Right. Right. Beauty. But that would Unfortunately, be there's that would be calculated from my taxable income, won't it? Like, when I do my tax return? Gross income. So before any kind of tax concessions or anything like that, they just go total income, total contributions, and then they just see if it's above the threshold. Yeah. Okay. Yep. Yep. There's not much to be done about it. It's just an extra tax they lump on to people who have done decently well. I wouldn't call you the top 1%, mate, but if you hit two fifty, that's what they call it. Yeah.","start_word":733,"end_word":1521,"sentiment":"neutral","sentiment_score":-0.015717279790406068},{"text":"I still be happy with that.","start_word":1522,"end_word":1527,"sentiment":"positive","sentiment_score":0.43622565269470215},{"text":"So most of it. Absolutely. Assets wise, home investment property. Yeah. No We no Yeah. changes there. Yep. Just just round figures wise, I think we had 700 and Yep. 90,000 owing on the home and about 200,000 owing on the investment property. And home value 1.1, the investment property, 400. Three property 400. Yep. Three cars, Yep. about $50 in offset. I don't know if your savings have kind of increased or decreased. No. It's about the same. Cool. And the other thing was a helicopter. Yep. Sensational. No other, like, shares or loans, personal loans, or anything like that? I've got a personal loan now for $45,000. Yep. 35 No. thousand It's just dollars. for another another home built helicopter. Well, it's a kit. We gotta put it together now. Get to put together.","start_word":1528,"end_word":1663,"sentiment":"neutral","sentiment_score":0.024711783975362778},{"text":"That's cool.","start_word":1664,"end_word":1665,"sentiment":"positive","sentiment_score":0.4766642153263092},{"text":"Are they those little small ones that you can take out to the park and zip around with No. the remote They're control? Are we talking, like, sit in it? no.","start_word":1666,"end_word":1696,"sentiment":"neutral","sentiment_score":0.010013129562139513},{"text":"You're silly, man.","start_word":1697,"end_word":1699,"sentiment":"negative","sentiment_score":-0.3512037396430969},{"text":"It's a one that you fly. Oh, wow. So you're gonna get your pilot's license and, you know, get a certificate Yeah. of willingness for it, you know, you know, permit to fly it and so forth. So they're Oh, cool. they're real things, but they they keep built. Yeah. Yeah. Alright.","start_word":1700,"end_word":1751,"sentiment":"neutral","sentiment_score":0.10849215090274812},{"text":"A Kit lot of built fun.","start_word":1752,"end_word":1757,"sentiment":"positive","sentiment_score":0.5444506406784058},{"text":"helicopters.","start_word":1758,"end_word":1758,"sentiment":"neutral","sentiment_score":0.3283264636993408},{"text":"That sounds cool.","start_word":1759,"end_word":1761,"sentiment":"positive","sentiment_score":0.6442613005638123},{"text":"I've never heard of that before. I mean, you can Alright. buy you can get them for, you know, small single seat airplanes as well. Yeah. So And what up to, like, two theaters? Or yeah. Well, you can get two feet airplanes as well as two feet hip built helicopters, which is the other one I've got. But yeah. Like, it's a yeah. It's pretty common thing where you're you're buying with the kit and you build them. Yeah. I'm seeing mosquitoes online. Mosquito helicopter? Oh. Yeah. Yeah. Similar That to kind that. of similar My one's to that. called a helicopter. The one I was just bought. It should be just do a quick Google search. It'll should pop up. Let me have Yeah. a Yeah. look. I can see that. It's the I don't know if you remember the old Mad Max movies, but it kinda reminds me of that a little bit. Yeah. It's sort Guys of like flying that. around That the one in Mad Max is a a gyrocopter, yeah. Okay. which it's still a little bit different in the the, I guess, the technology in which makes them fly because the helicopter uses it's like a normal helicopter. Like, the engine drives the main rotor blades. But Yep. in the Max, the actual rotor blades turn automatically with forward motion of the aircraft. So he's got a propeller at the back, which propels it forward, which causes the rotor blades to turn automatically just with the incoming airflow, and that's what causes it to to lift off the ground. Uh-huh.","start_word":1762,"end_word":2028,"sentiment":"neutral","sentiment_score":0.056827369365799296},{"text":"Oh, that's cool.","start_word":2029,"end_word":2031,"sentiment":"positive","sentiment_score":0.4620848000049591},{"text":"Yeah. I've But just got they're, the old you know, Google they're open.","start_word":2032,"end_word":2044,"sentiment":"neutral","sentiment_score":0.07976862043142319},{"text":"still a lot of fun as well.","start_word":2045,"end_word":2051,"sentiment":"positive","sentiment_score":0.38467535376548767},{"text":"So one's a gyrocopter. Yeah. The Mad Max one is a gyrocopter. Yep.","start_word":2052,"end_word":2064,"sentiment":"neutral","sentiment_score":0.11524318158626556},{"text":"Cool. Oh, that's awesome.","start_word":2065,"end_word":2068,"sentiment":"positive","sentiment_score":0.5926811099052429},{"text":"I've never seen that before in a in someone's fact find with their assets. So I thought, oh, hella cup. That's Really?","start_word":2069,"end_word":2090,"sentiment":"neutral","sentiment_score":0.24373283982276917},{"text":"cool.","start_word":2091,"end_word":2091,"sentiment":"positive","sentiment_score":0.34208905696868896},{"text":"Yeah. I have had some one of those guys that do the old what's those backpack with the with the big spinners on them at the beach with flying around with Oh, the with the the parachute. big canopy, like a powered parachute. Yeah. With the parachute and the jetpack Yeah. on the back. I reckon That's I reckon that'll be a lot of fun too. It's yeah. like a with an engine. Give you some ideas for the next one. Sorry? I'll say give you some ideas for the next Oh, one. I do. You should pick one I'd I'd up. like to try it. Definitely. Oh, Shane, while I've got you as well, speaking of helicopters and everything, is there anything else, like, goals wise that's a cash flow priority for you for the next few years that I need to update? Not really. No. Not that I can not that I can think of. Yep. So just work on the properties, build the savings, have a bit of fun, and Oh, we'll yeah. focus on the Supra. Cool. Alrighty. I've got all the goals updated, your details. Is your BigPond email address still okay for all correspondence? Yeah. Yeah. Yep.","start_word":2092,"end_word":2294,"sentiment":"neutral","sentiment_score":0.12171859628167646},{"text":"I have been changed. Perfect.","start_word":2295,"end_word":2299,"sentiment":"positive","sentiment_score":0.4848875403404236},{"text":"And then just in terms of relationship status, we've got you de facto with no dependents currently. Yep.","start_word":2300,"end_word":2317,"sentiment":"neutral","sentiment_score":0.30611100792884827},{"text":"Cool.","start_word":2318,"end_word":2318,"sentiment":"positive","sentiment_score":0.4633728265762329},{"text":"And that should be about it. Savings wise, with the income going up, have you got a a set savings amount that you've managed to budget for now, or is it kind of a bit Well, I guess my sporadic? my intention is to pay off that helicopter loan.","start_word":2319,"end_word":2367,"sentiment":"neutral","sentiment_score":0.06278987973928452},{"text":"I got down fairly quickly.","start_word":2368,"end_word":2372,"sentiment":"negative","sentiment_score":-0.43470999598503113},{"text":"Yeah. Because I could have bought it cash, but then I sort of so, well, the difference between the offset of the amount and what I'd pay in cash wasn't all that much. I think it's about 0, two cents. gotcha. So I thought, well, I'll just get the loan and then pay that down as quick as I can. Oh, gotcha. Is that pretty similar in terms of if you got $45 out that we can put down that helicopter is valued at 45, or is it a bit more than that? Well, the helicopter, like, brand new. They're a 150 k landed in Australia. And I bought that off somebody who had bought it brand new, and I've started the build but never finished it. Yep. I I actually bought it for 50. 50. So still brand new, still never flown, never run, never finished. But Okay. I might even just put in there 50 purchase price, a 150 possible value just as an estimate. yeah. Obviously, it doesn't impact your super, but at least the context is there. With the the personal loan, so the last thing I wanted to check with you before I let you go is Kyle's previous recommendation around the life insurance Right. was that when we close down CareSuper, that will Yep. essentially cancel the cover that was attached to it because you do have quite a bit in assets, and you've got some cover with AustralianSuper too. So what that looks like is 77,000 worth of life and total disability insurance would be canceled, and Yep. then your life and TPD and a bit of income protection with AustralianSuper would stay. And how much was that? And I think 37,000 of life insurance, 9,000 of TPD, and 2,800 a month worth of income replacement. $2,000 a month. 2,800. Yeah. It's a very small small policy. So how do I increase all of that? Do I have to get in contact with AustralianSuper? Yeah. The only other way to get a new policy is we would go through, like, full underwriting, health and occupation, and do some quotes up with some insurers and see if anyone would offer a good deal. I can have a look into it. We definitely have to keep what you've got at the time being, but the income protection price, once you hit your fifties, you could be looking at 3 to 7,000 a year. Well. And before you know it, I've seen some policies recently of people who are about 58, 59, and they walked in the door. One was $12,000 a year, one was And that was just income protection, was 20. it? Yeah. To to protect a 6 figure income. They were admittedly a bit more blue collar, which is a bit more expensive. Yep. But the moment you hit the fifties, they do increase it, you know, 1,000, 2,000 a year pretty quickly. It's like a bit of a hockey stick graph. Starts off under a grand when you're 30, and then it's $2.5 when you're 40, and then it's 7, then it's 12, then it's 15. And what happens if you lose your job just through I don't know.","start_word":2373,"end_word":2909,"sentiment":"neutral","sentiment_score":-0.04846506719815664},{"text":"Let's say you well, one of the things that worries me with my job, which I've seen other people do other drivers, they might have a pretty bad or a safety critical error, for example. And they can lose their jobs in in that respect.","start_word":2910,"end_word":2954,"sentiment":"negative","sentiment_score":-0.41052600741386414},{"text":"Oh, yeah. Yeah. For example, we had one guy who was instructed to reduce his speed to 25 kilometers an hour throughout a section of track where they had track workers. And he got a call on the radio for that. But then by the time he got there, he forgot. And then Yep. he had been flying through there at track speed, which was a 130. And, yeah, he got stood down immediately. Oh. And, actually, he didn't get the sack. He he but he never drove again, and he's now working doing admin work. So Right. they They just switched him. yeah. They retained him as an employee, but he's now on half the wage. Yeah.","start_word":2955,"end_word":3072,"sentiment":"neutral","sentiment_score":-0.08823190484259089},{"text":"And that that's the sort of thing that worries me where, you know, you might accidentally do something wrong Yeah. and lose your job And all even of a sudden, though that income that's holding it all up is just all of a sudden half or less?","start_word":3073,"end_word":3119,"sentiment":"negative","sentiment_score":-0.3674266934394837},{"text":"yeah. Exactly. Exactly. And there's no guarantee they're gonna keep you employed either in that scenario. Yeah. They could file. Yeah. So does the income protection protect you for that? No. It only does illness and injury. Not legally allowed to do kind of redundancy or unemployment insurance because it competes, obviously, with Centrelink. I would have thought that they would have some sort of oh, I don't guess you guys are unionized, are Yeah. We do we do have a union. you? Because I know that some of the big, like, mining unions and things like that, if someone if something happens like that, they do have a pool of funds to help supplement people's families and things like that. I don't know if you guys have the same. Yeah. I don't know. Yep. Might be worth joining the next union meeting and checking. I'm finding out. Yeah. Yeah.","start_word":3120,"end_word":3269,"sentiment":"neutral","sentiment_score":-0.10104399919509888},{"text":"Because that's a big risk in your industry compared to most other professions.","start_word":3270,"end_word":3282,"sentiment":"negative","sentiment_score":-0.5332773327827454},{"text":"I mean, there's No.","start_word":3283,"end_word":3286,"sentiment":"neutral","sentiment_score":-0.3002415895462036},{"text":"always Absolutely. ways that you can mess up and be stood down, but that's a very simple thing of you slip up and you do the wrong speed, and all of a sudden, that whole thing's gone.","start_word":3287,"end_word":3323,"sentiment":"negative","sentiment_score":-0.5385381579399109},{"text":"Yeah. Absolutely. Yeah.","start_word":3324,"end_word":3326,"sentiment":"neutral","sentiment_score":-0.0847303072611491},{"text":"So people are gonna have big mortgages and, you know, expensive lifestyles, but there's always the potential of it all coming crashing down if if I mess Yeah.","start_word":3327,"end_word":3354,"sentiment":"negative","sentiment_score":-0.3837220072746277},{"text":"What I might do is but I'll still just do up, up. like, a income protection quote. But with train driving, that occupation, they might not insure for. So I know there's some specific ones like pilots, trains, firefighters that are, you know, prison guard kind of excluded from Yep. the standard Yep. rotation.","start_word":3355,"end_word":3408,"sentiment":"neutral","sentiment_score":-0.10525112599134444},{"text":"So I don't really like the chances of getting one.","start_word":3409,"end_word":3418,"sentiment":"negative","sentiment_score":-0.3466781675815582},{"text":"I definitely think the the Australian Super one is probably worth keeping. Even though it's minimal, it's better than zero. Yep. So am I allowed to have the two insurance policies, like one with Australian Super and the other with Care and have them running side by side? Yeah. So the the care one, you can, which would mean basically you're for that 37,000 worth of life insurance and total disability, sorry, 77, you would opt into the cover, sign a letter saying we don't want this to cancel if it's still there. And Yep. at most, you might have to throw in a small contribution once every year or two just so it doesn't go into an inactive state where they cancel it. Yeah.","start_word":3419,"end_word":3543,"sentiment":"neutral","sentiment_score":0.05367743596434593},{"text":"It's mostly worthwhile just to know.","start_word":3544,"end_word":3549,"sentiment":"positive","sentiment_score":0.3685770034790039},{"text":"Yeah. It just obviously, the risk is you you're just running those for those policies. Yeah. We'll keep them going. But if you prefer to kind of have that extra little buffer there, I can do the research, make sure it's still in force. And if it is, we can get you to opt into it, and then we can just look after it for a little while longer. Yeah. I'll do the research and see what's available. And I'll make a decision once we've got all the all the options, I guess. Yep. So for now, I'm just gonna I think we're updating the hub twenty four portfolio, switching a couple of investments around. Yep. We'll do a bit of a sweep across from Australian super because that's built up, like you said, and then I'll just Yep. make sure both of them remain in force, get a bit of research on insurance options, and then we can touch base on that for the next one as well, whether we close them or keep them for another four or five years. Yep. Yep. Yep. Sound good? Yep.","start_word":3550,"end_word":3737,"sentiment":"neutral","sentiment_score":0.11870999190401524},{"text":"That's fine. Cool. Alright.","start_word":3738,"end_word":3741,"sentiment":"positive","sentiment_score":0.4419332146644592},{"text":"So I'll get working on that. Just keep an ear out if the team reaches out to sign another authority if we need to for the research, Yep. and I'm just going on a a small bit of leave with the family next week. As soon as Okay. I get back, that research will be completed, and I Yep. can kind of go through the updated plan with you and get you booked Yeah. in. No dramas. So how long would that be when you get back from your leave? So if I have a look next week, we'll have a we'll probably have our meeting booked by the end of the month. Okay. Yep. Yep. Yeah. Just as soon as I get back, I know that people have already been booked in. So Yeah. I just need Yep. to find a good time and day for you as soon as I've Yep. got the research done. But if there's any, like, delay with AustralianSuper or CareSuper, it might push it out a little bit. So I don't wanna give you a time frame and and not hit it. Yeah. No. I was just sort of wondering. Yeah. Just a a time frame. That's all. Yep. No worries. Outside of that, so I've got everything I need to kind of refresh the advice and tweak the direction a little bit. Do Yep. you have any other questions for me at this point or anything else I can kind of factor in? Not that I can think of. No. Cool. Alrighty. Well, I'll jump on to that now. We'll reach out to you this week for any research requirements and then just keep an ear out for a booking in a few weeks' time. Yep.","start_word":3742,"end_word":4035,"sentiment":"neutral","sentiment_score":0.04935777331797444},{"text":"Thanks, sir. Awesome, Shane. Look. I appreciate the time this morning, and thanks for updating your details with me as well. I appreciate that. Yeah. No worries at all. Awesome, mate. Have a fantastic week. You too. Okay. See you. Thank you. Bye.","start_word":4036,"end_word":4078,"sentiment":"positive","sentiment_score":0.7064409255981445},{"text":"Bye.","start_word":4079,"end_word":4079,"sentiment":"neutral","sentiment_score":0.25827956199645996}],"average":{"sentiment":"neutral","sentiment_score":0.020476521214327137}}}}