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How's your day been? Yeah. Oh, wow. Does that mean you've had a bit of time off work, or you're still being struggling through? Yeah. Oh, that's good. That's good. I hope I didn't wake you up then. No? Yeah. It's always the way, isn't it? It's always the way. I I got told the other day because I said I'm not really sleeping too well at the moment either, and my doctor goes, yeah. You're in your forties. It's gonna happen. I was like, oh, thanks. Yes. Yes. Yeah. Yeah. Yeah. Yeah. No. I can't do anything like that either. My body doesn't handle that well. I can't even drink a lot come the Christmas party time. Yeah. I'm a bit sorry the next day. Yeah. Absolutely. Yeah. No. Absolutely. All good. Well, is now a good time to kinda go through things and do a bit of an update and see how everything's tracking for you? Yeah. All good. Before I jump in to go through things properly, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And I'm discussing your personal information. So I'll just confirm your full name, date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. So, firstly, just want to see how things are going. So I know we've got the draw downs happening and your salary sacrifice going in now as well. How is that feeling for you at the moment? Is it all working fairly evenly? Do you wanna yeah. Well, we normally we can do the bank account form for you because I know we just had one change. Did you wanna change back to the other account? Did you? Or Yeah. No. That's okay. That's okay. Yeah. Because I'm I've got five different accounts. Absolutely. No. That's honestly not a problem at all. We just do a bank account nomination form for you. So if you're comfortable, I can always get those details off you at the end of the call if you like, and I can organize that baby cat nomination to be sent through to you. Yep. Beautiful. Beautiful. Not an issue at all. Excellent. So it's all working well so far. It's kind of because it's only sort of been open for a short period of time, it's kinda hard to see how it's gonna work longer term. We kinda do give it a year to sort of see how it goes, but you've I have had a bit of look at your super, so it's kind of good that we did those changes and reduced your risk level back when we did the advice document in January because now we've kind of got this thing going on with the Iran war and what's happening with The US, and the markets have been going a bit all over the shop. So it is good that we look to reduce your risk level back to the balanced growth environment, and making those changes to your investments has worked really well. With Super, over the last three months, your portfolio in the Super account is up over 3%, which is good. With moving things into the TTR pension account, that is down just slightly. It's 0.9% down. So it's under 1% down at the moment, and that's because we've moved everything over, and then the markets are being very up and down. And because you have most of your money in that TTR pension account, that is feeling the fluctuations a little bit more. But when I sort of look at how things have tracked over the last one month, we have seen more of a recovery point. So your super account, the accumulation account, is up by 1.37% in the last one month, and your TTR pension account is up by 1.76% in the last one month as well. So we've kind of been going through those ups and downs to the market and with what's happening between Iran and The US. The biggest sort of drops that happened around about sort of that mid to early March period, so between sort of the third and the March 30 is when the supers all sort of felt those big ups and downs of what was occurring. And then from now, we're sort of in a bit more of a recovery period. So while there's still a bit of instability out there in the market with what's happening, I know with the ceasefire, it's a very unsteady ceasefire at the moment. We're just sort of watching and waiting to see how things go and what's happening. And then the markets are also feeling it on the Australian side as well because we've also had high inflation. So inflation for the March was up around 4.6%, so it's definitely higher than it should be, which is also causing a little bit of chaos around the fixed interest. So bonds are also feeling a little bit of a a touch point at the moment with the market. So we're in a bit of a an up and down kind of motion. We just gotta go through this point. We'll keep watching everything for you. Markets are starting to take a bit of a turn, so I'll keep watching your super. Keep watching your portfolio. Is there anything flags that I think we need to move you out of or make changes? I'll make sure I contact you. Right now, it just looks like it's a hold and wait scenario. We just need to go through what we're going through, wait for Trump to Exactly. We just need to wait and see what Trump does next week first. I know. I know. I actually honestly thought that what we'd be feeling would have been affected a lot worse than what it has. Realistically, it hasn't even been much of a correction. When we look at the downside, the market's dropped no more than about three to 4% at the worst point. It wasn't as big of a a dip as what I thought we were gonna end up with. And then in between those ups and downs, we've also had some really good days where we've seen a positive of one or 2% as well. So whilst the markets haven't fully recovered from where they were prior, we are kinda getting back to that point. And I think most investors are just overhearing about the war. They're just sick of it. They're like, yeah. We know. You know? Everything's happening. Tomorrow could be a different story, but there isn't absolutely. Absolutely. But one of the good things I am happy about is we did move you out of that growth environment into the balanced growth portfolio, so we did reduce your risk level prior to this happening. So I am very happy that we did that then and not are doing that now, which is something that a lot of our clients are in the process of doing at the moment. So we're just calling isn't doing too bad either at the moment. I've got his advice almost ready to do. I know Michelle's gonna give him a call later and have that presented having booked in to have that presented to him to go through it all. But I don't think his what is his profile looking like? Where do we I think we reduced his risk last time, so I know he's not crazy high. Yeah. Yeah. Which is good because that gets expensive. They get crazy expensive. Investment profile. Yeah. So he is in that growth environment at the moment, but he's not doing too badly. Again, he's with us most of the the worst part of the storm there. So we will we will get through that recovery point, and we're in the process of getting that advice out to him now. So once we get everything sorted yeah. Once we get all that sorted, we do the changes we need to now, then we keep keep watching it, let it grow, and let it recover out of those points, which will be fine. So yeah. No. That'd be good. Yeah. Okay. Yep. Okay. Perfect. Having a bit of a holiday? No. Yeah. Yeah. Yeah. Yep. Yep. Yeah. K. Fine. Yeah. Wow. Yeah. Yeah. Wow. Yeah. Yes. Oh, wow. Magical heat gun. Yeah. Wow. Oh, that's crazy. Oh, jeez. Wow. Yeah. Wow. Oh, goodness me. Yep. Yeah. Yeah. Yeah. No. Definitely. Not a problem at all. Well, I know Michelle's gonna give you the call tonight and book Colin in for that one. So I'll let her know that that you're away that particular week. But, yeah, look, honestly, his his sleep has not been bad at all. It's not really feeling a huge amount of effect. He still had a really good return for the year. So we're good to get him sorted and start to reduce his risk level. But, yeah, thankfully, it hasn't felt as big of a drop as what some of the other ones have out there seen. So his portfolio works for him, which is good. Yeah. But now, look, I look at these every single day. I'm flipping through, having a look in between calls and seeing what's going on and reading the news and keeping up to date because I think if there's anything that we need to flag, we need to flag it fairly quickly. But so far, it hasn't been as big as what we've expected. I mean, we don't know what's gonna happen tomorrow or next week, and anything could come of this. But I think the same with any other war out there, when it sorta happens and things, it's in the news a lot. After a while, everyone just kinda becomes a bit you know, it's there. It's happening okay. And we get a bit sick of listening to it and just kind of tune it out a little bit. The markets tend to start to stabilize a bit. So yeah. Yeah. I think with the with the thing I wanna watch out for next with regard to super and the investments will be when the budget comes out because the RBA has been increasing interest rates because inflation's being quite high. Looking at what's gonna come out of the budget may may see a bit of a dip the next day. It may see an increase depending on how investors feel the budget the budget was. So that'll be the next thing to watch, I think. Yeah. Wow. Yep. Oh, yes. Yeah. Yeah. Yeah. Yeah. Yeah. And insurance wise, you've been a similar boat to Lismore. Very hard to get any kind of flood cover if available at all. Woah. Yeah. Yeah. Mhmm. Yep. No. No. I mean, it's mine isn't that high, but here, like, it's at Bonora Point. My flood level is about 2,000 now, and I pay that because I need it. But, yeah, I just if it keeps going up, there'll be a point where I go, no. I'm just gonna wear it if it happens because yeah. No. Correct. Correct. And with all the natural disasters we've had, all the floods that come and go in the area even, you know, with more in areas around us, even if we don't get hit, we're close enough to areas that, you know, feel the effects of it, and now it affects our premiums pretty heavily too. So yeah. Yeah. Wow. Yeah. Yeah. Yeah. It's insane, ain't it? Jeez. Oh, wow. So you're getting your kitchen done still, or is that been and done? How's that go? Yep. Yes. Yeah. Yep. Yes. Yes. Oh, wow. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Oh, goodness me. Everyone can take out their their internal stresses. Yes. Yes. Wow. Yeah. Wow. There could be some serious history back there. Yes. Yeah. Wow. Oh, I know. Oh, it's amazing, honestly. I love my kitchen. I waited years and years for it, and I got it. And I couldn't wait for it to be done, and it's just it's the heart of the home, honestly. There's so much time in there. Yeah. Yep. Oh, wow. Yeah. You'll gradually get them back up again as it all gets done. Yeah. Yeah. Absolutely. Something to look forward to. That's fantastic. That's what we all need. Yeah. Oh, no. All good. All good. So other than the kitchen, do you guys have any other plans or goals that you're looking to achieve in the next sort of one to two years? Or yep. Yep. Yep. Yes. Yes. Yeah. Yeah. A bit of downtown. Yeah. You can't get on the back burner. Absolutely. Absolutely. Oh, I love that. Yep. Yep. Yeah. Yeah. No. That's okay. Retirement wise, we're still working on, I believe, age 67 at the moment. Yes. Yep. Yeah. Absolutely. We'll keep reviewing things and see where we're up to. And if one of you says, hey. I wanna stop working earlier, we'll see what we can do to make that happen for you and look at the outcome. Easy done. Yeah. Absolutely. Not an issue. Yeah. Sure. Yes. So with the sleeper, we can only be doing the 10% of the the TCR balance up until 65. When you hit 65, the entire thing becomes nonpreserved, unrestricted, and you can take out whatever you want completely tax free. Yeah. Yeah. Now 65, it'll all become undeserved, unrestricted. You can take out whatever you like completely tax free. Before 65, you've gotta be fully retired. So yeah. Yeah. Unless we're doing this cool TPR thing where we can take out some and put more back in and yeah. Absolutely. Yeah. No. It's all good. No. That's okay. Oh, fantastic. Fantastic. And any any kind of pay rises or anything due in the next few months that you might be aware of or nothing coming up? Not for you? Yeah. Yes. Yeah. Yeah. Oh, that's the same. You're definitely worth more. Well, if anything comes up, let me know. Hopefully, soon. All good. As it's sorry. You're right. Yep. Beautiful. Beautiful. Yes. Well, actually, that's part of the reason it's taking a bit longer than you do his is that he wanted me to work on his full time wage, not the wage he's on now. So we're looking at trying to get trying to get more out to supplement some of the weight. So, hopefully, that'll make things a bit easier. But, yeah, just finish the research on that. So when we do it, we'll look at how things are, and we can always adjust if we need to. Okay. Beautiful. Beautiful. Asset wise, the main primary residence, I've got down asset value of about 450,000. Do you think that would have changed too much, or are you still happy with that valuation? Yeah. Yeah. Yeah. Yep. Yeah. Wow. Yeah. Yeah. Wow. Yeah. I know. Insane. I've been looking at some of the agency. Sorry. Yeah. Yep. Yeah. Beautiful. Beautiful. All good. Loan on the property, we still had around about that 60,000. Have you managed to drop that a little bit? Probably not with interest rates going back up. Yes. You're right. Oh, that's good. Oh, fantastic. $2.27. Fantastic. Getting closer to owning it outright. Love that. Yeah. Oh, you get to enjoy it now, though. Yeah. Beautiful. Beautiful. Savings word, we did have about 18,000 in there. Do you still have that, or has that dropped a bit? Yep. Beautiful. Update that for you. And then I've got the Nissan X Trail with a rough evaluation of 27,000. Yeah. That's okay. And con yep. That's okay. We can we can leave it at that. Easy done. And content's still around $40,000 of value for content. Mhmm. Yep. Beautiful. Update that one for you. Excellent. Lovely. Anything else that we might need to note down that we don't have noted? No. That's okay. All good. No. No. Haven't won't load yet, obviously. We'll just keep trying for that one. If I win LOTA, you'll be the first to know. I'll rock up in more rooms. I'm like, I'm here. We're good. What do we wanna do? I think I would too. Yeah. I think my husband would be like, we won't we won't. I'd be like, no. We didn't. You're judging me. Surely. Yeah. Yep. Yep. Oh, wow. Oh, wow. Oh, wow. What is the odds? Wow. Oh my goodness. Yeah. Oh my goodness. Oh, wow. Yeah. No. No. No. I'll be working till I can't anymore. That'll be the way. It's all good. Is it gonna be Yeah. Wow. Wow. Yeah. Absolutely. No. I'll be here forever, and so I can't anymore. I love my job. I love what I do. I think if I won Lotto, no one would even know. I'd still just keep rocking up over there and keep working. Yeah. Absolutely. Oh, that's so, so good. I love that. No. We'll make sure we keep reviewing things. Did you want me to do a bit of a review with you in the next sort of three or six months? How far between reviews do you want me to or catch up do you want for the year? Yep. I can do that. Yep. Yep. Perfect. For six months, I'll make the next one for you. We'll do a bit of a catch up. If anything comes with the meantime, give us a call. Let me know. I'll book you a time to have a chat and go through things with you. Any questions you have, it doesn't matter what the question is or anything big or small. If it's something you wanna talk to me about, I'll make time to talk to you about it. It's not an issue at all. We'll get this advice done for Colin, and then we'll sort of see how things are going. For you both in six months. Do a bit of a maybe a joint catch up and see how it's all traveling. And if we need to adjust anything, we can do that for you guys. Okay? Yeah. Absolutely. Time to know what's gonna happen tomorrow, wouldn't it? Absolutely. Absolutely. I'm just gonna turn the recording off now. So you'll hear a bit of a beep. It's just and start one. Perfect. So the recording should be off now. So what's the account number there for me? Four eight four. Yep. Seven nine 9. Yep. Yep. Mhmm. 238. I'll just read that back to you. It's BSC484799, and the account number is 604792238. Yep. Perfect. I'll get that done for you this afternoon, and I'll get that done account nomination form off to you. I'm not in tomorrow, but as soon as I'm back on Monday, if you sign it and send it back to me, I'll get that sorted for you Monday. Is that okay? Yep. Perfect. Lovely. I'm just gonna turn a recording back on now for you there, Carrie, so you'll hear another beep. That should have worked. Beautiful. Lovely. All good. Ask me too. Especially technology. I'm really good at numbers and math and all the other bits and pieces, but technology when a computer or a printer doesn't work, it is the end of the world, I tell you what. Yes. Oh, yeah. And two factor authentication. No. That's it. That's exactly right. All good. Well, the last thing to do is to send through your annual review pack to you. So I will send through Michelle will send that through to you. It'll have your ongoing service agreement for the next twelve months. So because you and Colin are both on board, your ongoing service fee is reduced to 1.1%. I'll make sure it stays that, and we provide it across both the accounts there. The it'll have the reports that I've gone through, so just a couple of portfolio reports to run your eyes over. Just to kinda give you an idea of the things I've gone through. I'll also have attached to that the financial services guide and a couple of just legal documents we'd like to attach their compliance documents for you to review as well. If you find you have any questions in relation to any of those documents, just feel free to let me know. Okay? Easy. All all good. That's okay. It wasn't a huge update today, and I was sort of just looking to see how things go. Everything's kind of the implementation sort of not long been sort of set up and completed. So it's a bit of a matter of just watching to see how things go, keep reviewing everything, and just making sure it all continues to work. And then once we get through this volatile time with The US and Iran and what's happening here with the, you know, inflation rates and things like that, then we'll sort of see how things are tracking. So just give it another six months to see how we're tracking what's happening. If if there's any changes in your life that you think are affecting it, let me know, and we can always look to adjust that for you as well. Okay? All good. Well, thank you so much for your time. All good. I'll let you go to have a bit of a rest. I hope you get a good night's sleep and feel better. Yeah. Yeah. I will. It it was today. We've had nothing but rain the past few weeks. I feel the rain we've had, you should have down there. But it's been horrible and off and on. Yeah. Gotta send it your way. Yeah. Yeah. Oh, yeah. No. Absolutely. We'll look look after yourself. I'll get myself a call shortly and book him in for his preso, and we'll make sure things are working for you and update everything. I should probably let you know as well because I've been with the company for a while. They've given me a book of clients that you and Carl are on my specific book. That means that you only deal with me until you decide you don't like me anymore, which is honestly fine. And it means that Michelle will be the one who gives you guys a call whenever she needs anything or books you in or, you know, doesn't update with me. She's my my little admin now, so she'll be the one that you guys talk to more regularly with myself and her. So it'll be really good. We just wanna make sure that we get give you guys consistency moving forward. And if at any point I'm not living up to your expectations, let me know because I have very high expectations. And if I'm not meeting them, I'll work harder to to make sure we get there. Okay? Oh, thank you. All good. Well, I oh, isn't she beautiful? I just love her. She's my, she's my admin. She's been in this kind of role for a lot of years, so she's been learning a lot about it. But, yeah, she honestly just tries everything, takes everything on board. She's just so wonderful to talk to. So yeah. No. It's fantastic. Really happy with her. She's learning a lot, and she really enjoys calling all of our clients. So yeah. Yeah. All good. Alright. Well, I'll thank you. I'll let you go to have a good rest. I hope you feel better soon, Carrie. I hope you have a good weekend. Yeah. Oh, that's so beautiful. Oh, that's so lovely. Oh, and I'll make sure I get this this bank account nomination form done for you straight after the call so it comes out to you to sign tonight. Okay? My pleasure, Carrie. Talk to you soon. See you later. Thanks. 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Carrie. It's Dana from Open Financial. How are you? I'm very well. Thank you.\n\nI had to look in for a bit of an annual review today. Is now still a good time there for you? Yeah. All good. How's your day been?\n\nYeah. Oh, wow. Does that mean you've had a bit of time off work, or you're still being struggling through? Yeah. Oh, that's good.\n\nThat's good. I hope I didn't wake you up then. No? Yeah. It's always the way, isn't it?\n\nIt's always the way. I I got told the other day because I said I'm not really sleeping too well at the moment either, and my doctor goes, yeah. You're in your forties. It's gonna happen. I was like, oh, thanks.\n\nYes. Yes. Yeah. Yeah. Yeah.\n\nYeah. No. I can't do anything like that either. My body doesn't handle that well. I can't even drink a lot come the Christmas party time.\n\nYeah. I'm a bit sorry the next day. Yeah. Absolutely. Yeah.\n\nNo. Absolutely. All good. Well, is now a good time to kinda go through things and do a bit of an update and see how everything's tracking for you? Yeah.\n\nAll good. Before I jump in to go through things properly, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And I'm discussing your personal information.\n\nSo I'll just confirm your full name, date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. So, firstly, just want to see how things are going.\n\nSo I know we've got the draw downs happening and your salary sacrifice going in now as well. How is that feeling for you at the moment? Is it all working fairly evenly? Do you wanna yeah. Well, we normally we can do the bank account form for you because I know we just had one change.\n\nDid you wanna change back to the other account? Did you? Or Yeah. No. That's okay.\n\nThat's okay. Yeah. Because I'm I've got five different accounts. Absolutely. No.\n\nThat's honestly not a problem at all. We just do a bank account nomination form for you. So if you're comfortable, I can always get those details off you at the end of the call if you like, and I can organize that baby cat nomination to be sent through to you. Yep. Beautiful.\n\nBeautiful. Not an issue at all. Excellent. So it's all working well so far. It's kind of because it's only sort of been open for a short period of time, it's kinda hard to see how it's gonna work longer term.\n\nWe kinda do give it a year to sort of see how it goes, but you've I have had a bit of look at your super, so it's kind of good that we did those changes and reduced your risk level back when we did the advice document in January because now we've kind of got this thing going on with the Iran war and what's happening with The US, and the markets have been going a bit all over the shop. So it is good that we look to reduce your risk level back to the balanced growth environment, and making those changes to your investments has worked really well. With Super, over the last three months, your portfolio in the Super account is up over 3%, which is good. With moving things into the TTR pension account, that is down just slightly. It's 0.9% down.\n\nSo it's under 1% down at the moment, and that's because we've moved everything over, and then the markets are being very up and down. And because you have most of your money in that TTR pension account, that is feeling the fluctuations a little bit more. But when I sort of look at how things have tracked over the last one month, we have seen more of a recovery point. So your super account, the accumulation account, is up by 1.37% in the last one month, and your TTR pension account is up by 1.76% in the last one month as well. So we've kind of been going through those ups and downs to the market and with what's happening between Iran and The US.\n\nThe biggest sort of drops that happened around about sort of that mid to early March period, so between sort of the third and the March 30 is when the supers all sort of felt those big ups and downs of what was occurring. And then from now, we're sort of in a bit more of a recovery period. So while there's still a bit of instability out there in the market with what's happening, I know with the ceasefire, it's a very unsteady ceasefire at the moment. We're just sort of watching and waiting to see how things go and what's happening. And then the markets are also feeling it on the Australian side as well because we've also had high inflation.\n\nSo inflation for the March was up around 4.6%, so it's definitely higher than it should be, which is also causing a little bit of chaos around the fixed interest. So bonds are also feeling a little bit of a a touch point at the moment with the market. So we're in a bit of a an up and down kind of motion. We just gotta go through this point. We'll keep watching everything for you.\n\nMarkets are starting to take a bit of a turn, so I'll keep watching your super. Keep watching your portfolio. Is there anything flags that I think we need to move you out of or make changes? I'll make sure I contact you. Right now, it just looks like it's a hold and wait scenario.\n\nWe just need to go through what we're going through, wait for Trump to Exactly. We just need to wait and see what Trump does next week first. I know. I know. I actually honestly thought that what we'd be feeling would have been affected a lot worse than what it has.\n\nRealistically, it hasn't even been much of a correction. When we look at the downside, the market's dropped no more than about three to 4% at the worst point. It wasn't as big of a a dip as what I thought we were gonna end up with. And then in between those ups and downs, we've also had some really good days where we've seen a positive of one or 2% as well. So whilst the markets haven't fully recovered from where they were prior, we are kinda getting back to that point.\n\nAnd I think most investors are just overhearing about the war. They're just sick of it. They're like, yeah. We know. You know?\n\nEverything's happening. Tomorrow could be a different story, but there isn't absolutely. Absolutely. But one of the good things I am happy about is we did move you out of that growth environment into the balanced growth portfolio, so we did reduce your risk level prior to this happening. So I am very happy that we did that then and not are doing that now, which is something that a lot of our clients are in the process of doing at the moment.\n\nSo we're just calling isn't doing too bad either at the moment. I've got his advice almost ready to do. I know Michelle's gonna give him a call later and have that presented having booked in to have that presented to him to go through it all. But I don't think his what is his profile looking like? Where do we I think we reduced his risk last time, so I know he's not crazy high.\n\nYeah. Yeah. Which is good because that gets expensive. They get crazy expensive. Investment profile.\n\nYeah. So he is in that growth environment at the moment, but he's not doing too badly. Again, he's with us most of the the worst part of the storm there. So we will we will get through that recovery point, and we're in the process of getting that advice out to him now. So once we get everything sorted yeah.\n\nOnce we get all that sorted, we do the changes we need to now, then we keep keep watching it, let it grow, and let it recover out of those points, which will be fine. So yeah. No. That'd be good. Yeah.\n\nOkay. Yep. Okay. Perfect. Having a bit of a holiday?\n\nNo. Yeah. Yeah. Yeah. Yep.\n\nYep. Yeah. K. Fine. Yeah.\n\nWow. Yeah. Yeah. Wow. Yeah.\n\nYes. Oh, wow. Magical heat gun. Yeah. Wow.\n\nOh, that's crazy. Oh, jeez. Wow. Yeah. Wow.\n\nOh, goodness me. Yep. Yeah. Yeah. Yeah.\n\nNo. Definitely. Not a problem at all. Well, I know Michelle's gonna give you the call tonight and book Colin in for that one. So I'll let her know that that you're away that particular week.\n\nBut, yeah, look, honestly, his his sleep has not been bad at all. It's not really feeling a huge amount of effect. He still had a really good return for the year. So we're good to get him sorted and start to reduce his risk level. But, yeah, thankfully, it hasn't felt as big of a drop as what some of the other ones have out there seen.\n\nSo his portfolio works for him, which is good. Yeah. But now, look, I look at these every single day. I'm flipping through, having a look in between calls and seeing what's going on and reading the news and keeping up to date because I think if there's anything that we need to flag, we need to flag it fairly quickly. But so far, it hasn't been as big as what we've expected.\n\nI mean, we don't know what's gonna happen tomorrow or next week, and anything could come of this. But I think the same with any other war out there, when it sorta happens and things, it's in the news a lot. After a while, everyone just kinda becomes a bit you know, it's there. It's happening okay. And we get a bit sick of listening to it and just kind of tune it out a little bit.\n\nThe markets tend to start to stabilize a bit. So yeah. Yeah. I think with the with the thing I wanna watch out for next with regard to super and the investments will be when the budget comes out because the RBA has been increasing interest rates because inflation's being quite high. Looking at what's gonna come out of the budget may may see a bit of a dip the next day.\n\nIt may see an increase depending on how investors feel the budget the budget was. So that'll be the next thing to watch, I think. Yeah. Wow. Yep.\n\nOh, yes. Yeah. Yeah. Yeah. Yeah.\n\nYeah. And insurance wise, you've been a similar boat to Lismore. Very hard to get any kind of flood cover if available at all. Woah. Yeah.\n\nYeah. Mhmm. Yep. No. No.\n\nI mean, it's mine isn't that high, but here, like, it's at Bonora Point. My flood level is about 2,000 now, and I pay that because I need it. But, yeah, I just if it keeps going up, there'll be a point where I go, no. I'm just gonna wear it if it happens because yeah. No.\n\nCorrect. Correct. And with all the natural disasters we've had, all the floods that come and go in the area even, you know, with more in areas around us, even if we don't get hit, we're close enough to areas that, you know, feel the effects of it, and now it affects our premiums pretty heavily too. So yeah. Yeah.\n\nWow. Yeah. Yeah. Yeah. It's insane, ain't it?\n\nJeez. Oh, wow. So you're getting your kitchen done still, or is that been and done? How's that go? Yep.\n\nYes. Yeah. Yep. Yes. Yes.\n\nOh, wow. Yeah. Okay. Yeah. Yeah.\n\nYeah. Yeah. Oh, goodness me. Everyone can take out their their internal stresses. Yes.\n\nYes. Wow. Yeah. Wow. There could be some serious history back there.\n\nYes. Yeah. Wow. Oh, I know. Oh, it's amazing, honestly.\n\nI love my kitchen. I waited years and years for it, and I got it. And I couldn't wait for it to be done, and it's just it's the heart of the home, honestly. There's so much time in there. Yeah.\n\nYep. Oh, wow. Yeah. You'll gradually get them back up again as it all gets done. Yeah.\n\nYeah. Absolutely. Something to look forward to. That's fantastic. That's what we all need.\n\nYeah. Oh, no. All good. All good. So other than the kitchen, do you guys have any other plans or goals that you're looking to achieve in the next sort of one to two years?\n\nOr yep. Yep. Yep. Yes. Yes.\n\nYeah. Yeah. A bit of downtown. Yeah. You can't get on the back burner.\n\nAbsolutely. Absolutely. Oh, I love that. Yep. Yep.\n\nYeah. Yeah. No. That's okay. Retirement wise, we're still working on, I believe, age 67 at the moment.\n\nYes. Yep. Yeah. Absolutely. We'll keep reviewing things and see where we're up to.\n\nAnd if one of you says, hey. I wanna stop working earlier, we'll see what we can do to make that happen for you and look at the outcome. Easy done. Yeah. Absolutely.\n\nNot an issue. Yeah. Sure. Yes. So with the sleeper, we can only be doing the 10% of the the TCR balance up until 65.\n\nWhen you hit 65, the entire thing becomes nonpreserved, unrestricted, and you can take out whatever you want completely tax free. Yeah. Yeah. Now 65, it'll all become undeserved, unrestricted. You can take out whatever you like completely tax free.\n\nBefore 65, you've gotta be fully retired. So yeah. Yeah. Unless we're doing this cool TPR thing where we can take out some and put more back in and yeah. Absolutely.\n\nYeah. No. It's all good. No. That's okay.\n\nOh, fantastic. Fantastic. And any any kind of pay rises or anything due in the next few months that you might be aware of or nothing coming up? Not for you? Yeah.\n\nYes. Yeah. Yeah. Oh, that's the same. You're definitely worth more.\n\nWell, if anything comes up, let me know. Hopefully, soon. All good. As it's sorry. You're right.\n\nYep. Beautiful. Beautiful. Yes. Well, actually, that's part of the reason it's taking a bit longer than you do his is that he wanted me to work on his full time wage, not the wage he's on now.\n\nSo we're looking at trying to get trying to get more out to supplement some of the weight. So, hopefully, that'll make things a bit easier. But, yeah, just finish the research on that. So when we do it, we'll look at how things are, and we can always adjust if we need to. Okay.\n\nBeautiful. Beautiful. Asset wise, the main primary residence, I've got down asset value of about 450,000. Do you think that would have changed too much, or are you still happy with that valuation? Yeah.\n\nYeah. Yeah. Yep. Yeah. Wow.\n\nYeah. Yeah. Wow. Yeah. I know.\n\nInsane. I've been looking at some of the agency. Sorry. Yeah. Yep.\n\nYeah. Beautiful. Beautiful. All good. Loan on the property, we still had around about that 60,000.\n\nHave you managed to drop that a little bit? Probably not with interest rates going back up. Yes. You're right. Oh, that's good.\n\nOh, fantastic. $2.27. Fantastic. Getting closer to owning it outright. Love that.\n\nYeah. Oh, you get to enjoy it now, though. Yeah. Beautiful. Beautiful.\n\nSavings word, we did have about 18,000 in there. Do you still have that, or has that dropped a bit? Yep. Beautiful. Update that for you.\n\nAnd then I've got the Nissan X Trail with a rough evaluation of 27,000. Yeah. That's okay. And con yep. That's okay.\n\nWe can we can leave it at that. Easy done. And content's still around $40,000 of value for content. Mhmm. Yep.\n\nBeautiful. Update that one for you. Excellent. Lovely. Anything else that we might need to note down that we don't have noted?\n\nNo. That's okay. All good. No. No.\n\nHaven't won't load yet, obviously. We'll just keep trying for that one. If I win LOTA, you'll be the first to know. I'll rock up in more rooms. I'm like, I'm here.\n\nWe're good. What do we wanna do? I think I would too. Yeah. I think my husband would be like, we won't we won't.\n\nI'd be like, no. We didn't. You're judging me. Surely. Yeah.\n\nYep. Yep. Oh, wow. Oh, wow. Oh, wow.\n\nWhat is the odds? Wow. Oh my goodness. Yeah. Oh my goodness.\n\nOh, wow. Yeah. No. No. No.\n\nI'll be working till I can't anymore. That'll be the way. It's all good. Is it gonna be Yeah. Wow.\n\nWow. Yeah. Absolutely. No. I'll be here forever, and so I can't anymore.\n\nI love my job. I love what I do. I think if I won Lotto, no one would even know. I'd still just keep rocking up over there and keep working. Yeah.\n\nAbsolutely. Oh, that's so, so good. I love that. No. We'll make sure we keep reviewing things.\n\nDid you want me to do a bit of a review with you in the next sort of three or six months? How far between reviews do you want me to or catch up do you want for the year? Yep. I can do that. Yep.\n\nYep. Perfect. For six months, I'll make the next one for you. We'll do a bit of a catch up. If anything comes with the meantime, give us a call.\n\nLet me know. I'll book you a time to have a chat and go through things with you. Any questions you have, it doesn't matter what the question is or anything big or small. If it's something you wanna talk to me about, I'll make time to talk to you about it. It's not an issue at all.\n\nWe'll get this advice done for Colin, and then we'll sort of see how things are going. For you both in six months. Do a bit of a maybe a joint catch up and see how it's all traveling. And if we need to adjust anything, we can do that for you guys. Okay?\n\nYeah. Absolutely. Time to know what's gonna happen tomorrow, wouldn't it? Absolutely. Absolutely.\n\nI'm just gonna turn the recording off now. So you'll hear a bit of a beep. It's just and start one. Perfect. So the recording should be off now.\n\nSo what's the account number there for me? Four eight four. Yep. Seven nine 9. Yep.\n\nYep. Mhmm. 238. I'll just read that back to you. It's BSC484799, and the account number is 604792238.\n\nYep. Perfect. I'll get that done for you this afternoon, and I'll get that done account nomination form off to you. I'm not in tomorrow, but as soon as I'm back on Monday, if you sign it and send it back to me, I'll get that sorted for you Monday. Is that okay?\n\nYep. Perfect. Lovely. I'm just gonna turn a recording back on now for you there, Carrie, so you'll hear another beep. That should have worked.\n\nBeautiful. Lovely. All good. Ask me too. Especially technology.\n\nI'm really good at numbers and math and all the other bits and pieces, but technology when a computer or a printer doesn't work, it is the end of the world, I tell you what. Yes. Oh, yeah. And two factor authentication. No.\n\nThat's it. That's exactly right. All good. Well, the last thing to do is to send through your annual review pack to you. So I will send through Michelle will send that through to you.\n\nIt'll have your ongoing service agreement for the next twelve months. So because you and Colin are both on board, your ongoing service fee is reduced to 1.1%. I'll make sure it stays that, and we provide it across both the accounts there. The it'll have the reports that I've gone through, so just a couple of portfolio reports to run your eyes over. Just to kinda give you an idea of the things I've gone through.\n\nI'll also have attached to that the financial services guide and a couple of just legal documents we'd like to attach their compliance documents for you to review as well. If you find you have any questions in relation to any of those documents, just feel free to let me know. Okay? Easy. All all good.\n\nThat's okay. It wasn't a huge update today, and I was sort of just looking to see how things go. Everything's kind of the implementation sort of not long been sort of set up and completed. So it's a bit of a matter of just watching to see how things go, keep reviewing everything, and just making sure it all continues to work. And then once we get through this volatile time with The US and Iran and what's happening here with the, you know, inflation rates and things like that, then we'll sort of see how things are tracking.\n\nSo just give it another six months to see how we're tracking what's happening. If if there's any changes in your life that you think are affecting it, let me know, and we can always look to adjust that for you as well. Okay? All good. Well, thank you so much for your time.\n\nAll good. I'll let you go to have a bit of a rest. I hope you get a good night's sleep and feel better. Yeah. Yeah.\n\nI will. It it was today. We've had nothing but rain the past few weeks. I feel the rain we've had, you should have down there. But it's been horrible and off and on.\n\nYeah. Gotta send it your way. Yeah. Yeah. Oh, yeah.\n\nNo. Absolutely. We'll look look after yourself. I'll get myself a call shortly and book him in for his preso, and we'll make sure things are working for you and update everything. I should probably let you know as well because I've been with the company for a while.\n\nThey've given me a book of clients that you and Carl are on my specific book. That means that you only deal with me until you decide you don't like me anymore, which is honestly fine. And it means that Michelle will be the one who gives you guys a call whenever she needs anything or books you in or, you know, doesn't update with me. She's my my little admin now, so she'll be the one that you guys talk to more regularly with myself and her. So it'll be really good.\n\nWe just wanna make sure that we get give you guys consistency moving forward. And if at any point I'm not living up to your expectations, let me know because I have very high expectations. And if I'm not meeting them, I'll work harder to to make sure we get there. Okay? Oh, thank you.\n\nAll good. Well, I oh, isn't she beautiful? I just love her. She's my, she's my admin. She's been in this kind of role for a lot of years, so she's been learning a lot about it.\n\nBut, yeah, she honestly just tries everything, takes everything on board. She's just so wonderful to talk to. So yeah. No. It's fantastic.\n\nReally happy with her. She's learning a lot, and she really enjoys calling all of our clients. So yeah. Yeah. All good.\n\nAlright. Well, I'll thank you. I'll let you go to have a good rest. I hope you feel better soon, Carrie. I hope you have a good weekend.\n\nYeah. Oh, that's so beautiful. Oh, that's so lovely. Oh, and I'll make sure I get this this bank account nomination form done for you straight after the call so it comes out to you to sign tonight. Okay?\n\nMy pleasure, Carrie. Talk to you soon. See you later. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Carrie.","start":4.88,"end":5.52,"sentiment":"neutral","sentiment_score":0.1676885038614273},{"text":"It's Dana from Open Financial.","start":5.52,"end":7.14,"sentiment":"neutral","sentiment_score":0.2013254702091217},{"text":"How are you?","start":7.44,"end":8.34,"sentiment":"neutral","sentiment_score":0.22552673518657684},{"text":"I'm very well.","start":10.0,"end":10.96,"sentiment":"positive","sentiment_score":0.6841196020444235},{"text":"Thank you.","start":10.96,"end":11.44,"sentiment":"positive","sentiment_score":0.7468721270561218}],"sentiment":"positive","sentiment_score":0.3709791749715805,"num_words":15,"start":4.88,"end":11.44},{"sentences":[{"text":"I had to look in for a bit of an annual review today.","start":11.44,"end":13.759999,"sentiment":"neutral","sentiment_score":0.313846977857443},{"text":"Is now still a good time there for you?","start":13.759999,"end":15.94,"sentiment":"neutral","sentiment_score":0.3032570381959279},{"text":"Yeah.","start":18.025,"end":18.505,"sentiment":"neutral","sentiment_score":0.0907294750213623},{"text":"All good.","start":18.505,"end":19.244999,"sentiment":"neutral","sentiment_score":0.2747327983379364},{"text":"How's your day been?","start":20.025,"end":21.325,"sentiment":"neutral","sentiment_score":0.19517730548977852}],"sentiment":"neutral","sentiment_score":0.2838009775712572,"num_words":29,"start":11.44,"end":21.325},{"sentences":[{"text":"Yeah.","start":32.41,"end":32.91,"sentiment":"neutral","sentiment_score":-0.09896238148212431},{"text":"Oh, wow.","start":33.45,"end":34.03,"sentiment":"neutral","sentiment_score":-0.0630988609045744},{"text":"Does that mean you've had a bit of time off work, or you're still being struggling through?","start":34.09,"end":38.11,"sentiment":"neutral","sentiment_score":-0.12031999230384827},{"text":"Yeah.","start":44.984997,"end":45.484997,"sentiment":"neutral","sentiment_score":0.02694474533200264},{"text":"Oh, that's good.","start":48.184998,"end":49.545,"sentiment":"neutral","sentiment_score":0.3117009202639262}],"sentiment":"neutral","sentiment_score":-0.05452301943053802,"num_words":24,"start":32.41,"end":49.545},{"sentences":[{"text":"That's good.","start":49.545,"end":50.105,"sentiment":"positive","sentiment_score":0.37798522412776947},{"text":"I hope I didn't wake you up then.","start":50.105,"end":51.964996,"sentiment":"neutral","sentiment_score":-0.038865058682858944},{"text":"No?","start":53.305,"end":53.805,"sentiment":"neutral","sentiment_score":-0.19398647546768188},{"text":"Yeah.","start":60.47,"end":60.87,"sentiment":"neutral","sentiment_score":-0.025088682770729065},{"text":"It's always the way, isn't it?","start":60.87,"end":62.55,"sentiment":"neutral","sentiment_score":-0.002927443633476893}],"sentiment":"neutral","sentiment_score":0.011578342152966393,"num_words":18,"start":49.545,"end":62.55},{"sentences":[{"text":"It's always the way.","start":62.55,"end":63.75,"sentiment":"neutral","sentiment_score":0.012564067728817463},{"text":"I I got told the other day because I said I'm not really sleeping too well at the moment either, and my doctor goes, yeah.","start":63.75,"end":69.35,"sentiment":"neutral","sentiment_score":-0.2030566591024399},{"text":"You're in your forties.","start":69.35,"end":70.47,"sentiment":"neutral","sentiment_score":-0.1874159574508667},{"text":"It's gonna happen.","start":70.47,"end":71.35,"sentiment":"neutral","sentiment_score":-0.12674966951211294},{"text":"I was like, oh, thanks.","start":71.35,"end":72.405,"sentiment":"neutral","sentiment_score":-0.02515956535935402}],"sentiment":"neutral","sentiment_score":-0.15321636272639763,"num_words":41,"start":62.55,"end":72.405},{"sentences":[{"text":"Yes.","start":83.284996,"end":83.784996,"sentiment":"neutral","sentiment_score":-0.08320781588554382},{"text":"Yes.","start":87.560005,"end":88.060005,"sentiment":"neutral","sentiment_score":-0.12821806967258453},{"text":"Yeah.","start":108.23499,"end":108.73499,"sentiment":"neutral","sentiment_score":-0.09210094064474106},{"text":"Yeah.","start":110.075,"end":110.575,"sentiment":"neutral","sentiment_score":-0.0389762744307518},{"text":"Yeah.","start":111.59,"end":112.09,"sentiment":"neutral","sentiment_score":-0.05325820297002792}],"sentiment":"neutral","sentiment_score":-0.07915226072072983,"num_words":5,"start":83.284996,"end":112.09},{"sentences":[{"text":"Yeah.","start":112.95,"end":113.35,"sentiment":"neutral","sentiment_score":-0.07688431441783905},{"text":"No.","start":113.35,"end":113.59,"sentiment":"neutral","sentiment_score":-0.2966458797454834},{"text":"I can't do anything like that either.","start":113.59,"end":115.27,"sentiment":"negative","sentiment_score":-0.34194973962647573},{"text":"My body doesn't handle that well.","start":115.27,"end":116.869995,"sentiment":"negative","sentiment_score":-0.436998650431633},{"text":"I can't even drink a lot come the Christmas party time.","start":116.869995,"end":119.61,"sentiment":"neutral","sentiment_score":-0.2715220505541021}],"sentiment":"neutral","sentiment_score":-0.32215049347052205,"num_words":26,"start":112.95,"end":119.61},{"sentences":[{"text":"Yeah.","start":119.909996,"end":120.229996,"sentiment":"neutral","sentiment_score":-0.1183447390794754},{"text":"I'm a bit sorry the next day.","start":120.229996,"end":122.009995,"sentiment":"neutral","sentiment_score":-0.2172794363328389},{"text":"Yeah.","start":131.235,"end":131.555,"sentiment":"neutral","sentiment_score":0.03604573756456375},{"text":"Absolutely.","start":131.555,"end":132.055,"sentiment":"neutral","sentiment_score":0.0873916745185852},{"text":"Yeah.","start":133.315,"end":133.815,"sentiment":"neutral","sentiment_score":0.0299979280680418}],"sentiment":"neutral","sentiment_score":-0.13507867756892333,"num_words":11,"start":119.909996,"end":133.815},{"sentences":[{"text":"No.","start":133.875,"end":134.275,"sentiment":"neutral","sentiment_score":0.03774883598089218},{"text":"Absolutely.","start":134.275,"end":134.775,"sentiment":"neutral","sentiment_score":0.1592160165309906},{"text":"All good.","start":135.955,"end":136.69499,"sentiment":"neutral","sentiment_score":0.3235476016998291},{"text":"Well, is now a good time to kinda go through things and do a bit of an update and see how everything's tracking for you?","start":136.83499,"end":142.215,"sentiment":"neutral","sentiment_score":0.23751648515462875},{"text":"Yeah.","start":143.54,"end":144.04,"sentiment":"neutral","sentiment_score":0.1631563901901245}],"sentiment":"neutral","sentiment_score":0.23150428583224614,"num_words":30,"start":133.875,"end":144.04},{"sentences":[{"text":"All good.","start":144.09999,"end":144.84,"sentiment":"neutral","sentiment_score":0.3031514436006546},{"text":"Before I jump in to go through things properly, I do have to let you know we do record our calls for quality and training purposes.","start":145.14,"end":150.26,"sentiment":"neutral","sentiment_score":0.10153360235003325},{"text":"Are you happy for me to proceed with that?","start":150.26,"end":152.43999,"sentiment":"neutral","sentiment_score":0.1680712037616306},{"text":"Beautiful.","start":154.09999,"end":154.59999,"sentiment":"positive","sentiment_score":0.4141373634338379},{"text":"And I'm discussing your personal 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going.","start":172.27,"end":174.51,"sentiment":"neutral","sentiment_score":0.21737850159406663}],"sentiment":"neutral","sentiment_score":0.22275009176560812,"num_words":35,"start":156.73999,"end":174.51},{"sentences":[{"text":"So I know we've got the draw downs happening and your salary sacrifice going in now as well.","start":174.51,"end":179.73,"sentiment":"neutral","sentiment_score":0.054217777421904936},{"text":"How is that feeling for you at the moment?","start":179.87,"end":181.95,"sentiment":"neutral","sentiment_score":0.10110921992195977},{"text":"Is it all working fairly evenly?","start":181.95,"end":183.89,"sentiment":"neutral","sentiment_score":0.08185417825977008},{"text":"Do you wanna yeah.","start":195.24501,"end":199.28,"sentiment":"neutral","sentiment_score":0.031735354103147984},{"text":"Well, we normally we can do the bank account form for you because I know we just had one change.","start":199.28,"end":203.84,"sentiment":"neutral","sentiment_score":0.0766547966748476}],"sentiment":"neutral","sentiment_score":0.07082570863789633,"num_words":57,"start":174.51,"end":203.84},{"sentences":[{"text":"Did you wanna change back to the other account?","start":203.84,"end":205.76,"sentiment":"neutral","sentiment_score":0.015789629891514778},{"text":"Did you?","start":205.76,"end":206.15999,"sentiment":"neutral","sentiment_score":-0.009681722149252892},{"text":"Or Yeah.","start":206.15999,"end":216.095,"sentiment":"neutral","sentiment_score":-0.01679909136146307},{"text":"No.","start":223.995,"end":224.075,"sentiment":"neutral","sentiment_score":-0.10473066568374634},{"text":"That's okay.","start":224.075,"end":224.97499,"sentiment":"neutral","sentiment_score":-0.039214687421917915}],"sentiment":"neutral","sentiment_score":-0.005875937407836318,"num_words":16,"start":203.84,"end":224.97499},{"sentences":[{"text":"That's okay.","start":229.04,"end":229.94,"sentiment":"neutral","sentiment_score":-0.0070084924809634686},{"text":"Yeah.","start":230.4,"end":230.8,"sentiment":"neutral","sentiment_score":-0.0021879663690924644},{"text":"Because I'm I've got five different accounts.","start":230.8,"end":233.14,"sentiment":"neutral","sentiment_score":-0.01687499149037259},{"text":"Absolutely.","start":233.76,"end":234.26,"sentiment":"neutral","sentiment_score":0.15277689695358276},{"text":"No.","start":235.2,"end":235.44,"sentiment":"neutral","sentiment_score":0.07911990582942963}],"sentiment":"neutral","sentiment_score":0.008130575918282071,"num_words":12,"start":229.04,"end":235.44},{"sentences":[{"text":"That's honestly not a problem at all.","start":235.44,"end":237.12,"sentiment":"neutral","sentiment_score":0.20816434706960404},{"text":"We just do a bank account nomination form for you.","start":237.12,"end":239.84,"sentiment":"neutral","sentiment_score":0.18188351765275002},{"text":"So if you're comfortable, I can always get those details off you at the end of the call if you like, and I can organize that baby cat nomination to be sent through to you.","start":239.84,"end":248.83499,"sentiment":"neutral","sentiment_score":0.11240193274404321},{"text":"Yep.","start":250.575,"end":251.075,"sentiment":"neutral","sentiment_score":0.08804462850093842},{"text":"Beautiful.","start":251.135,"end":251.635,"sentiment":"positive","sentiment_score":0.5449844598770142}],"sentiment":"neutral","sentiment_score":0.14524226556359618,"num_words":54,"start":235.44,"end":251.635},{"sentences":[{"text":"Beautiful.","start":252.015,"end":252.515,"sentiment":"positive","sentiment_score":0.5250383615493774},{"text":"Not an issue at all.","start":252.815,"end":253.855,"sentiment":"neutral","sentiment_score":0.1797858715057373},{"text":"Excellent.","start":253.855,"end":254.355,"sentiment":"positive","sentiment_score":0.5325481295585632},{"text":"So it's all working well so far.","start":254.415,"end":256.195,"sentiment":"positive","sentiment_score":0.4860588439873287},{"text":"It's kind of because it's only sort of been open for a short period of time, it's kinda hard to see how it's gonna work longer term.","start":256.91,"end":263.39,"sentiment":"neutral","sentiment_score":-0.0024581525336813044}],"sentiment":"neutral","sentiment_score":0.12908677166191543,"num_words":41,"start":252.015,"end":263.39},{"sentences":[{"text":"We kinda do give it a year to sort of see how it goes, but you've I have had a bit of look at your super, so it's kind of good that we did those changes and reduced your risk level back when we did the advice document in January because now we've kind of got this thing going on with the Iran war and what's happening with The US, and the markets have been going a bit all over the shop.","start":263.39,"end":284.06497,"sentiment":"neutral","sentiment_score":0.14294697698660014},{"text":"So it is good that we look to reduce your risk level back to the balanced growth environment, and making those changes to your investments has worked really well.","start":284.06497,"end":292.38998,"sentiment":"positive","sentiment_score":0.5197534992777068},{"text":"With Super, over the last three months, your portfolio in the Super account is up over 3%, which is good.","start":293.09,"end":300.38998,"sentiment":"positive","sentiment_score":0.3436580292880535},{"text":"With moving things into the TTR pension account, that is down just slightly.","start":301.245,"end":306.04498,"sentiment":"neutral","sentiment_score":-0.022669081217967547},{"text":"It's 0.9% down.","start":306.04498,"end":308.285,"sentiment":"neutral","sentiment_score":-0.02111409914990266}],"sentiment":"neutral","sentiment_score":0.22659608043831628,"num_words":147,"start":263.39,"end":308.285},{"sentences":[{"text":"So it's under 1% down at the moment, and that's because we've moved everything over, and then the markets are being very up and down.","start":308.285,"end":316.065,"sentiment":"negative","sentiment_score":-0.376361985206604},{"text":"And because you have most of your money in that TTR pension account, that is feeling the fluctuations a little bit more.","start":316.22,"end":322.96002,"sentiment":"negative","sentiment_score":-0.3393827270377766},{"text":"But when I sort of look at how things have tracked over the last one month, we have seen more of a recovery point.","start":323.34003,"end":330.78003,"sentiment":"neutral","sentiment_score":0.1484366071720918},{"text":"So your super account, the accumulation account, is up by 1.37% in the last one month, and your TTR pension account is up by 1.76% in the last one month as well.","start":330.78003,"end":344.705,"sentiment":"positive","sentiment_score":0.40672679152339697},{"text":"So we've kind of been going through those ups and downs to the market and with what's happening between Iran and The US.","start":344.705,"end":352.94998,"sentiment":"neutral","sentiment_score":-0.2702080276997193}],"sentiment":"neutral","sentiment_score":-0.051686653660403356,"num_words":126,"start":308.285,"end":352.94998},{"sentences":[{"text":"The biggest sort of drops that happened around about sort of that mid to early March period, so between sort of the third and the March 30 is when the supers all sort of felt those big ups and downs of what was occurring.","start":353.81,"end":367.33502,"sentiment":"negative","sentiment_score":-0.376576574688608},{"text":"And then from now, we're sort of in a bit more of a recovery period.","start":368.355,"end":371.475,"sentiment":"neutral","sentiment_score":-0.2597180853287379},{"text":"So while there's still a bit of instability out there in the market with what's happening, I know with the ceasefire, it's a very unsteady ceasefire at the moment.","start":371.475,"end":379.56998,"sentiment":"negative","sentiment_score":-0.49256296764160024},{"text":"We're just sort of watching and waiting to see how things go and what's happening.","start":379.56998,"end":383.43,"sentiment":"neutral","sentiment_score":-0.27153301735719043},{"text":"And then the markets are also feeling it on the Australian side as well because we've also had high inflation.","start":385.49,"end":390.995,"sentiment":"neutral","sentiment_score":-0.20061693713068962}],"sentiment":"negative","sentiment_score":-0.34825041163258436,"num_words":123,"start":353.81,"end":390.995},{"sentences":[{"text":"So inflation for the March was up around 4.6%, so it's definitely higher than it should be, which is also causing a little bit of chaos around the fixed interest.","start":391.295,"end":402.24002,"sentiment":"negative","sentiment_score":-0.35719907929499944},{"text":"So bonds are also feeling a little bit of a a touch point at the moment with the market.","start":402.24002,"end":407.78,"sentiment":"neutral","sentiment_score":-0.3320708635606264},{"text":"So we're in a bit of a an up and down kind of motion.","start":407.84,"end":411.84,"sentiment":"neutral","sentiment_score":-0.2499064835054534},{"text":"We just gotta go through this point.","start":411.84,"end":414.0,"sentiment":"neutral","sentiment_score":-0.11411932004349572},{"text":"We'll keep watching everything for you.","start":414.0,"end":416.26,"sentiment":"neutral","sentiment_score":0.06700017054875691}],"sentiment":"neutral","sentiment_score":-0.27527426016566,"num_words":76,"start":391.295,"end":416.26},{"sentences":[{"text":"Markets are starting to take a bit of a turn, so I'll keep watching your super.","start":417.355,"end":421.195,"sentiment":"neutral","sentiment_score":-0.08526468765921891},{"text":"Keep watching your portfolio.","start":421.195,"end":422.495,"sentiment":"neutral","sentiment_score":0.10061457008123398},{"text":"Is there anything flags that I think we need to move you out of or make changes?","start":422.715,"end":428.01498,"sentiment":"neutral","sentiment_score":-0.13312359504839955},{"text":"I'll make sure I contact you.","start":428.155,"end":429.935,"sentiment":"neutral","sentiment_score":-0.02458079989689092},{"text":"Right now, it just looks like it's a hold and wait scenario.","start":431.21,"end":434.43,"sentiment":"neutral","sentiment_score":-0.09111568580071132}],"sentiment":"neutral","sentiment_score":-0.08119547030973163,"num_words":55,"start":417.355,"end":434.43},{"sentences":[{"text":"We just need to go through what we're going through, wait for Trump to Exactly.","start":434.49,"end":444.49503,"sentiment":"neutral","sentiment_score":-0.020905287750065327},{"text":"We just need to wait and see what Trump does next week first.","start":444.95502,"end":448.415,"sentiment":"neutral","sentiment_score":-0.026148993235367995},{"text":"I know.","start":453.035,"end":453.61502,"sentiment":"neutral","sentiment_score":-0.06734107434749603},{"text":"I know.","start":453.67502,"end":454.315,"sentiment":"neutral","sentiment_score":-0.06316442973911762},{"text":"I actually honestly thought that what we'd be feeling would have been affected a lot worse than what it has.","start":454.315,"end":460.53,"sentiment":"negative","sentiment_score":-0.3587908510118723}],"sentiment":"neutral","sentiment_score":-0.15558354339848918,"num_words":52,"start":434.49,"end":460.53},{"sentences":[{"text":"Realistically, it hasn't even been much of a correction.","start":461.38998,"end":464.53,"sentiment":"negative","sentiment_score":-0.34945985012584263},{"text":"When we look at the downside, the market's dropped no more than about three to 4% at the worst point.","start":464.59,"end":470.825,"sentiment":"negative","sentiment_score":-0.376562362909317},{"text":"It wasn't as big of a a dip as what I thought we were gonna end up with.","start":470.825,"end":474.765,"sentiment":"negative","sentiment_score":-0.35494900825950837},{"text":"And then in between those ups and downs, we've also had some really good days where we've seen a positive of one or 2% as well.","start":475.225,"end":481.865,"sentiment":"neutral","sentiment_score":0.2548762304851642},{"text":"So whilst the markets haven't fully recovered from where they were prior, we are kinda getting back to that point.","start":481.865,"end":490.03998,"sentiment":"neutral","sentiment_score":-0.15390919297933578}],"sentiment":"neutral","sentiment_score":-0.1453426873651884,"num_words":93,"start":461.38998,"end":490.03998},{"sentences":[{"text":"And I think most investors are just overhearing about the war.","start":490.03998,"end":493.96,"sentiment":"negative","sentiment_score":-0.3691274185072292},{"text":"They're just sick of it.","start":493.96,"end":494.84,"sentiment":"negative","sentiment_score":-0.43333446979522705},{"text":"They're like, yeah.","start":494.84,"end":495.47998,"sentiment":"neutral","sentiment_score":-0.20713739593823752},{"text":"We know.","start":495.47998,"end":496.13998,"sentiment":"neutral","sentiment_score":-0.14189299941062927},{"text":"You know?","start":496.38498,"end":496.785,"sentiment":"neutral","sentiment_score":-0.07704577594995499}],"sentiment":"neutral","sentiment_score":-0.31679842135180597,"num_words":23,"start":490.03998,"end":496.785},{"sentences":[{"text":"Everything's happening.","start":496.785,"end":497.925,"sentiment":"neutral","sentiment_score":-0.04879630729556084},{"text":"Tomorrow could be a different story, but there isn't absolutely.","start":498.305,"end":504.485,"sentiment":"neutral","sentiment_score":-0.15325859189033508},{"text":"Absolutely.","start":504.625,"end":505.125,"sentiment":"neutral","sentiment_score":0.06727884709835052},{"text":"But one of the good things I am happy about is we did move you out of that growth environment into the balanced growth portfolio, so we did reduce your risk level prior to this happening.","start":506.38498,"end":515.3,"sentiment":"neutral","sentiment_score":0.31953006858627003},{"text":"So I am very happy that we did that then and not are doing that now, which is something that a lot of our clients are in the process of doing at the moment.","start":515.36,"end":523.04,"sentiment":"positive","sentiment_score":0.35755380725159364}],"sentiment":"neutral","sentiment_score":0.2662290630031781,"num_words":83,"start":496.785,"end":523.04},{"sentences":[{"text":"So we're just calling isn't doing too bad either at the moment.","start":523.04,"end":529.51495,"sentiment":"neutral","sentiment_score":-0.07890316215343773},{"text":"I've got his advice almost ready to do.","start":529.51495,"end":531.355,"sentiment":"neutral","sentiment_score":0.05704882554709911},{"text":"I know Michelle's gonna give him a call later and have that presented having booked in to have that presented to him to go through it all.","start":531.355,"end":538.255,"sentiment":"neutral","sentiment_score":0.02548501944100415},{"text":"But I don't think his what is his profile looking like?","start":538.82,"end":544.5,"sentiment":"neutral","sentiment_score":-0.23457752032713455},{"text":"Where do we I think we reduced his risk last time, so I know he's not crazy high.","start":544.5,"end":549.8,"sentiment":"neutral","sentiment_score":-0.31484441210826236}],"sentiment":"neutral","sentiment_score":-0.1059197889224283,"num_words":76,"start":523.04,"end":549.8},{"sentences":[{"text":"Yeah.","start":556.785,"end":557.285,"sentiment":"neutral","sentiment_score":0.0602973997592926},{"text":"Yeah.","start":557.665,"end":558.165,"sentiment":"neutral","sentiment_score":0.08089239150285721},{"text":"Which is good because that gets expensive.","start":558.305,"end":560.645,"sentiment":"neutral","sentiment_score":0.07853612942355019},{"text":"They get crazy expensive.","start":564.36,"end":566.14,"sentiment":"negative","sentiment_score":-0.376488596200943},{"text":"Investment profile.","start":571.72003,"end":572.94,"sentiment":"neutral","sentiment_score":-0.05559341982007027}],"sentiment":"neutral","sentiment_score":-0.061746568481127424,"num_words":15,"start":556.785,"end":572.94},{"sentences":[{"text":"Yeah.","start":576.545,"end":576.865,"sentiment":"neutral","sentiment_score":-0.02735523506999016},{"text":"So he is in that growth environment at the moment, but he's not doing too badly.","start":576.865,"end":580.88495,"sentiment":"neutral","sentiment_score":-0.13334516785107553},{"text":"Again, he's with us most of the the worst part of the storm there.","start":581.02496,"end":584.545,"sentiment":"neutral","sentiment_score":-0.32644614364419666},{"text":"So we will we will get through that recovery point, and we're in the process of getting that advice out to him now.","start":584.545,"end":591.185,"sentiment":"neutral","sentiment_score":-0.03652771861980791},{"text":"So once we get everything sorted yeah.","start":591.185,"end":593.94,"sentiment":"neutral","sentiment_score":0.05549472038234983}],"sentiment":"neutral","sentiment_score":-0.117750793725985,"num_words":61,"start":576.545,"end":593.94},{"sentences":[{"text":"Once we get all that sorted, we do the changes we need to now, then we keep keep watching it, let it grow, and let it recover out of those points, which will be fine.","start":593.94,"end":602.52,"sentiment":"neutral","sentiment_score":0.1269898654094764},{"text":"So yeah.","start":602.58,"end":603.88,"sentiment":"neutral","sentiment_score":0.03640449047088623},{"text":"No.","start":604.18005,"end":604.42004,"sentiment":"neutral","sentiment_score":-0.06239045038819313},{"text":"That'd be good.","start":604.42004,"end":605.32,"sentiment":"neutral","sentiment_score":-0.02468906467159589},{"text":"Yeah.","start":606.02,"end":606.52,"sentiment":"neutral","sentiment_score":-0.0506347194314003}],"sentiment":"neutral","sentiment_score":0.10310385491521586,"num_words":42,"start":593.94,"end":606.52},{"sentences":[{"text":"Okay.","start":610.645,"end":611.145,"sentiment":"neutral","sentiment_score":-0.03117251768708229},{"text":"Yep.","start":611.765,"end":612.265,"sentiment":"neutral","sentiment_score":-0.020393051207065582},{"text":"Okay.","start":616.565,"end":617.065,"sentiment":"neutral","sentiment_score":0.07632558047771454},{"text":"Perfect.","start":617.525,"end":618.025,"sentiment":"neutral","sentiment_score":0.19797849655151367},{"text":"Having a bit of a holiday?","start":618.565,"end":619.865,"sentiment":"neutral","sentiment_score":0.039054577238857746}],"sentiment":"neutral","sentiment_score":0.04570659715682268,"num_words":10,"start":610.645,"end":619.865},{"sentences":[{"text":"No.","start":623.02997,"end":623.52997,"sentiment":"neutral","sentiment_score":-0.10683395713567734},{"text":"Yeah.","start":635.685,"end":636.185,"sentiment":"neutral","sentiment_score":-0.014835376292467116},{"text":"Yeah.","start":646.885,"end":647.385,"sentiment":"neutral","sentiment_score":-0.050292111933231354},{"text":"Yeah.","start":653.56995,"end":654.06995,"sentiment":"neutral","sentiment_score":-0.07704097032546997},{"text":"Yep.","start":654.44995,"end":654.94995,"sentiment":"neutral","sentiment_score":-0.1118173450231552}],"sentiment":"neutral","sentiment_score":-0.07216395214200019,"num_words":5,"start":623.02997,"end":654.94995},{"sentences":[{"text":"Yep.","start":656.52997,"end":657.02997,"sentiment":"neutral","sentiment_score":-0.06958980858325958},{"text":"Yeah.","start":669.735,"end":670.235,"sentiment":"neutral","sentiment_score":-0.026369202882051468},{"text":"K.","start":670.695,"end":670.855,"sentiment":"neutral","sentiment_score":-0.016546154394745827},{"text":"Fine.","start":670.855,"end":671.355,"sentiment":"neutral","sentiment_score":0.007074326276779175},{"text":"Yeah.","start":679.72003,"end":680.22003,"sentiment":"neutral","sentiment_score":-0.05029667541384697}],"sentiment":"neutral","sentiment_score":-0.031145502999424934,"num_words":5,"start":656.52997,"end":680.22003},{"sentences":[{"text":"Wow.","start":685.0,"end":685.5,"sentiment":"neutral","sentiment_score":0.018903285264968872},{"text":"Yeah.","start":690.2,"end":690.60004,"sentiment":"neutral","sentiment_score":0.0055265892297029495},{"text":"Yeah.","start":690.60004,"end":691.10004,"sentiment":"neutral","sentiment_score":0.004741644486784935},{"text":"Wow.","start":694.40497,"end":694.90497,"sentiment":"neutral","sentiment_score":0.0015986524522304537},{"text":"Yeah.","start":704.64496,"end":705.14496,"sentiment":"neutral","sentiment_score":0.04882870614528656}],"sentiment":"neutral","sentiment_score":0.015919775515794755,"num_words":5,"start":685.0,"end":705.14496},{"sentences":[{"text":"Yes.","start":706.64496,"end":707.14496,"sentiment":"neutral","sentiment_score":0.06647494435310364},{"text":"Oh, wow.","start":712.06,"end":713.36,"sentiment":"neutral","sentiment_score":0.037939829751849174},{"text":"Magical heat gun.","start":717.18,"end":718.32,"sentiment":"neutral","sentiment_score":0.24020997186501822},{"text":"Yeah.","start":719.66,"end":720.16,"sentiment":"neutral","sentiment_score":0.06570732593536377},{"text":"Wow.","start":721.475,"end":721.975,"sentiment":"neutral","sentiment_score":0.07608315348625183}],"sentiment":"neutral","sentiment_score":0.12559687485918403,"num_words":8,"start":706.64496,"end":721.975},{"sentences":[{"text":"Oh, that's crazy.","start":723.235,"end":724.535,"sentiment":"positive","sentiment_score":0.35780080159505206},{"text":"Oh, jeez.","start":735.94,"end":737.16003,"sentiment":"neutral","sentiment_score":0.06851914525032043},{"text":"Wow.","start":741.38,"end":741.88,"sentiment":"neutral","sentiment_score":0.015301009640097618},{"text":"Yeah.","start":746.32495,"end":746.82495,"sentiment":"neutral","sentiment_score":-0.007427499629557133},{"text":"Wow.","start":748.88495,"end":749.38495,"sentiment":"neutral","sentiment_score":-0.011498083360493183}],"sentiment":"neutral","sentiment_score":0.15085201524198055,"num_words":8,"start":723.235,"end":749.38495},{"sentences":[{"text":"Oh, goodness me.","start":750.485,"end":752.26495,"sentiment":"neutral","sentiment_score":-0.126641516884168},{"text":"Yep.","start":754.08496,"end":754.58496,"sentiment":"neutral","sentiment_score":-0.04097932204604149},{"text":"Yeah.","start":755.845,"end":756.345,"sentiment":"neutral","sentiment_score":-0.005300538614392281},{"text":"Yeah.","start":758.8,"end":759.12,"sentiment":"neutral","sentiment_score":-0.0015274230390787125},{"text":"Yeah.","start":759.12,"end":759.36,"sentiment":"neutral","sentiment_score":0.00282127782702446}],"sentiment":"neutral","sentiment_score":-0.060701508074998856,"num_words":7,"start":750.485,"end":759.36},{"sentences":[{"text":"No.","start":759.36,"end":759.83997,"sentiment":"neutral","sentiment_score":-0.00457419827580452},{"text":"Definitely.","start":759.83997,"end":760.33997,"sentiment":"neutral","sentiment_score":0.017943933606147766},{"text":"Not a problem at all.","start":760.39996,"end":761.27997,"sentiment":"neutral","sentiment_score":0.06925150975584984},{"text":"Well, I know Michelle's gonna give you the call tonight and book Colin in for that one.","start":761.27997,"end":764.8,"sentiment":"neutral","sentiment_score":0.03379850648343563},{"text":"So I'll let her know that that you're away that particular week.","start":764.8,"end":768.07996,"sentiment":"neutral","sentiment_score":-0.04134128227209052}],"sentiment":"neutral","sentiment_score":0.012169625196192,"num_words":36,"start":759.36,"end":768.07996},{"sentences":[{"text":"But, yeah, look, honestly, his his sleep has not been bad at all.","start":768.07996,"end":771.92,"sentiment":"neutral","sentiment_score":0.10159984689492446},{"text":"It's not really feeling a huge amount of effect.","start":771.92,"end":774.025,"sentiment":"neutral","sentiment_score":-0.0008047496279080709},{"text":"He still had a really good return for the year.","start":774.025,"end":776.025,"sentiment":"positive","sentiment_score":0.605587387084961},{"text":"So we're good to get him sorted and start to reduce his risk level.","start":776.025,"end":781.785,"sentiment":"positive","sentiment_score":0.3550302678985255},{"text":"But, yeah, thankfully, it hasn't felt as big of a drop as what some of the other ones have out there seen.","start":781.785,"end":787.82996,"sentiment":"neutral","sentiment_score":0.0394636412913149}],"sentiment":"neutral","sentiment_score":0.19423607342383442,"num_words":68,"start":768.07996,"end":787.82996},{"sentences":[{"text":"So his portfolio works for him, which is good.","start":787.82996,"end":790.47,"sentiment":"positive","sentiment_score":0.47787866989771527},{"text":"Yeah.","start":790.47,"end":790.97,"sentiment":"neutral","sentiment_score":0.13782867789268494},{"text":"But now, look, I look at these every single day.","start":791.43,"end":794.47,"sentiment":"neutral","sentiment_score":0.038210814259946345},{"text":"I'm flipping through, having a look in between calls and seeing what's going on and reading the news and keeping up to date because I think if there's anything that we need to flag, we need to flag it fairly quickly.","start":794.47,"end":804.405,"sentiment":"neutral","sentiment_score":-0.0016313261556916122},{"text":"But so far, it hasn't been as big as what we've expected.","start":804.405,"end":808.10504,"sentiment":"neutral","sentiment_score":-0.16535023724039397}],"sentiment":"neutral","sentiment_score":0.037941885346623315,"num_words":73,"start":787.82996,"end":808.10504},{"sentences":[{"text":"I mean, we don't know what's gonna happen tomorrow or next week, and anything could come of this.","start":809.60504,"end":814.005,"sentiment":"neutral","sentiment_score":-0.11119306584199269},{"text":"But I think the same with any other war out there, when it sorta happens and things, it's in the news a lot.","start":814.005,"end":820.52,"sentiment":"neutral","sentiment_score":-0.17211643703605817},{"text":"After a while, everyone just kinda becomes a bit you know, it's there.","start":820.74,"end":824.58,"sentiment":"neutral","sentiment_score":-0.17831816925452307},{"text":"It's happening okay.","start":824.58,"end":826.52,"sentiment":"neutral","sentiment_score":-0.048335044334332146},{"text":"And we get a bit sick of listening to it and just kind of tune it out a little bit.","start":827.325,"end":830.60504,"sentiment":"negative","sentiment_score":-0.34912126660346987}],"sentiment":"neutral","sentiment_score":-0.2000742844463169,"num_words":77,"start":809.60504,"end":830.60504},{"sentences":[{"text":"The markets tend to start to stabilize a bit.","start":830.60504,"end":833.005,"sentiment":"neutral","sentiment_score":-0.13715123881896338},{"text":"So yeah.","start":833.005,"end":835.185,"sentiment":"neutral","sentiment_score":0.03218345530331135},{"text":"Yeah.","start":835.565,"end":835.885,"sentiment":"neutral","sentiment_score":0.02445458248257637},{"text":"I think with the with the thing I wanna watch out for next with regard to super and the investments will be when the budget comes out because the RBA has been increasing interest rates because inflation's being quite high.","start":835.885,"end":850.81006,"sentiment":"neutral","sentiment_score":-0.0168574292678386},{"text":"Looking at what's gonna come out of the budget may may see a bit of a dip the next day.","start":851.03,"end":856.01,"sentiment":"neutral","sentiment_score":-0.13416441762819886}],"sentiment":"neutral","sentiment_score":-0.06254340527165267,"num_words":72,"start":830.60504,"end":856.01},{"sentences":[{"text":"It may see an increase depending on how investors feel the budget the budget 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yeah.","start":990.95,"end":992.41,"sentiment":"neutral","sentiment_score":-0.0046996548771858215},{"text":"Yeah.","start":994.87,"end":995.37,"sentiment":"neutral","sentiment_score":-0.016622347757220268}],"sentiment":"neutral","sentiment_score":-0.15526949549093844,"num_words":60,"start":975.525,"end":995.37},{"sentences":[{"text":"Wow.","start":997.995,"end":998.495,"sentiment":"neutral","sentiment_score":0.06677712500095367},{"text":"Yeah.","start":1000.315,"end":1000.815,"sentiment":"neutral","sentiment_score":-0.012076949700713158},{"text":"Yeah.","start":1002.955,"end":1003.455,"sentiment":"neutral","sentiment_score":-0.009515706449747086},{"text":"Yeah.","start":1004.235,"end":1004.735,"sentiment":"neutral","sentiment_score":-0.11035192012786864},{"text":"It's insane, ain't 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things.","start":1885.5701,"end":1887.65,"sentiment":"neutral","sentiment_score":-0.0038008647305624826}],"sentiment":"neutral","sentiment_score":0.3094838156419642,"num_words":17,"start":1881.41,"end":1887.65},{"sentences":[{"text":"Did you want me to do a bit of a review with you in the next sort of three or six months?","start":1887.65,"end":1891.9701,"sentiment":"neutral","sentiment_score":-0.02217871475626122},{"text":"How far between reviews do you want me to or catch up do you want for the year?","start":1891.9701,"end":1896.445,"sentiment":"neutral","sentiment_score":-0.12433484403623475},{"text":"Yep.","start":1904.905,"end":1905.225,"sentiment":"neutral","sentiment_score":0.09534335136413574},{"text":"I can do that.","start":1905.225,"end":1906.205,"sentiment":"neutral","sentiment_score":0.1492135040462017},{"text":"Yep.","start":1910.69,"end":1911.01,"sentiment":"neutral","sentiment_score":0.14050328731536865}],"sentiment":"neutral","sentiment_score":-0.041157788313601326,"num_words":46,"start":1887.65,"end":1911.01},{"sentences":[{"text":"Yep.","start":1911.01,"end":1911.33,"sentiment":"neutral","sentiment_score":0.3141332268714905},{"text":"Perfect.","start":1911.33,"end":1911.8099,"sentiment":"positive","sentiment_score":0.7132033109664917},{"text":"For six months, I'll make the next one for you.","start":1911.8099,"end":1913.57,"sentiment":"positive","sentiment_score":0.36724980771541593},{"text":"We'll do a bit of a catch up.","start":1913.57,"end":1914.61,"sentiment":"neutral","sentiment_score":0.3004586473107338},{"text":"If anything comes with the meantime, give us a call.","start":1914.61,"end":1917.65,"sentiment":"neutral","sentiment_score":0.20164674669504165}],"sentiment":"neutral","sentiment_score":0.30399904201428096,"num_words":30,"start":1911.01,"end":1917.65},{"sentences":[{"text":"Let me know.","start":1917.65,"end":1918.21,"sentiment":"neutral","sentiment_score":0.26823774973551434},{"text":"I'll book you a time to have a chat and go through things with you.","start":1918.21,"end":1920.975,"sentiment":"positive","sentiment_score":0.39166656931241356},{"text":"Any questions you have, it doesn't matter what the question is or anything big or small.","start":1921.215,"end":1925.855,"sentiment":"neutral","sentiment_score":0.19536920776590705},{"text":"If it's something you wanna talk to me about, I'll make time to talk to you about it.","start":1925.855,"end":1929.215,"sentiment":"neutral","sentiment_score":0.300660929746098},{"text":"It's not an issue at all.","start":1929.215,"end":1930.835,"sentiment":"positive","sentiment_score":0.34995996455351513}],"sentiment":"neutral","sentiment_score":0.2985737178603123,"num_words":58,"start":1917.65,"end":1930.835},{"sentences":[{"text":"We'll get this advice done for Colin, and then we'll sort of see how things are going.","start":1931.855,"end":1936.275,"sentiment":"neutral","sentiment_score":0.23639190810568192},{"text":"For you both in six months.","start":1936.4299,"end":1937.63,"sentiment":"neutral","sentiment_score":0.1843580255905787},{"text":"Do a bit of a maybe a joint catch up and see how it's all traveling.","start":1937.63,"end":1940.51,"sentiment":"neutral","sentiment_score":0.1751656038686633},{"text":"And if we need to adjust anything, we can do that for you 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should be off now.","start":1974.915,"end":1976.435,"sentiment":"neutral","sentiment_score":0.08295065749968801}],"sentiment":"neutral","sentiment_score":0.022107918465766926,"num_words":29,"start":1964.26,"end":1976.435},{"sentences":[{"text":"So what's the account number there for me?","start":1976.435,"end":1978.615,"sentiment":"neutral","sentiment_score":0.04044956550933421},{"text":"Four eight four.","start":1983.0751,"end":1984.115,"sentiment":"neutral","sentiment_score":0.015176115557551384},{"text":"Yep.","start":1984.115,"end":1984.615,"sentiment":"neutral","sentiment_score":0.02734701707959175},{"text":"Seven nine 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604792238.","start":1998.41,"end":2007.775,"sentiment":"neutral","sentiment_score":0.038652027025818825}],"sentiment":"neutral","sentiment_score":0.041165863163769245,"num_words":18,"start":1990.09,"end":2007.775},{"sentences":[{"text":"Yep.","start":2009.435,"end":2009.8351,"sentiment":"neutral","sentiment_score":0.13977408409118652},{"text":"Perfect.","start":2009.8351,"end":2010.3351,"sentiment":"neutral","sentiment_score":0.09536466002464294},{"text":"I'll get that done for you this afternoon, and I'll get that done account nomination form off to you.","start":2010.395,"end":2016.015,"sentiment":"neutral","sentiment_score":0.17253397601215462},{"text":"I'm not in tomorrow, but as soon as I'm back on Monday, if you sign it and send it back to me, I'll get that sorted for you Monday.","start":2016.1901,"end":2023.0901,"sentiment":"neutral","sentiment_score":0.07347051799297333},{"text":"Is that okay?","start":2023.15,"end":2024.05,"sentiment":"neutral","sentiment_score":0.06591856976350148}],"sentiment":"neutral","sentiment_score":0.11022047206478298,"num_words":53,"start":2009.435,"end":2024.05},{"sentences":[{"text":"Yep.","start":2025.47,"end":2025.97,"sentiment":"neutral","sentiment_score":0.2623562812805176},{"text":"Perfect.","start":2026.99,"end":2027.49,"sentiment":"positive","sentiment_score":0.5744223594665527},{"text":"Lovely.","start":2027.63,"end":2028.03,"sentiment":"positive","sentiment_score":0.5289562940597534},{"text":"I'm just gonna turn a recording back on now for you there, Carrie, so you'll hear another beep.","start":2028.03,"end":2034.505,"sentiment":"neutral","sentiment_score":0.1585138634675079},{"text":"That should have 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pieces, but technology when a computer or a printer doesn't work, it is the end of the world, I tell you what.","start":2042.165,"end":2049.6,"sentiment":"neutral","sentiment_score":-0.015784323920628854},{"text":"Yes.","start":2058.46,"end":2058.96,"sentiment":"neutral","sentiment_score":0.002086784690618515},{"text":"Oh, yeah.","start":2072.195,"end":2072.915,"sentiment":"neutral","sentiment_score":-0.053824203088879585},{"text":"And two factor authentication.","start":2072.915,"end":2074.2148,"sentiment":"neutral","sentiment_score":-0.02823236072435975},{"text":"No.","start":2087.81,"end":2088.21,"sentiment":"neutral","sentiment_score":-0.10009516775608064}],"sentiment":"neutral","sentiment_score":-0.02025668765959698,"num_words":43,"start":2042.165,"end":2088.21},{"sentences":[{"text":"That's it.","start":2088.21,"end":2088.8499,"sentiment":"neutral","sentiment_score":-0.05338987521827221},{"text":"That's exactly right.","start":2088.8499,"end":2090.3699,"sentiment":"neutral","sentiment_score":0.2687614957491557},{"text":"All good.","start":2090.3699,"end":2091.19,"sentiment":"positive","sentiment_score":0.3502349704504013},{"text":"Well, the last thing to do is to send through your annual review pack to you.","start":2091.765,"end":2094.645,"sentiment":"neutral","sentiment_score":0.06631075055338442},{"text":"So I will send through Michelle will send that through to you.","start":2094.645,"end":2097.865,"sentiment":"neutral","sentiment_score":0.07671156463523705}],"sentiment":"neutral","sentiment_score":0.09661387034824916,"num_words":35,"start":2088.21,"end":2097.865},{"sentences":[{"text":"It'll have your ongoing service agreement for the next twelve months.","start":2098.405,"end":2101.785,"sentiment":"neutral","sentiment_score":0.07596866210753267},{"text":"So because you and Colin are both on board, your ongoing service fee is reduced to 1.1%.","start":2101.845,"end":2108.13,"sentiment":"neutral","sentiment_score":0.11163554954178193},{"text":"I'll make sure it stays that, and we provide it across both the accounts there.","start":2108.13,"end":2112.23,"sentiment":"neutral","sentiment_score":0.07769619772831599},{"text":"The it'll have the reports that I've gone through, so just a couple of portfolio reports to run your eyes over.","start":2113.65,"end":2120.3098,"sentiment":"neutral","sentiment_score":0.050308741185636746},{"text":"Just to kinda give you an idea of the things I've gone through.","start":2120.4849,"end":2122.905,"sentiment":"neutral","sentiment_score":0.05710855599206228}],"sentiment":"neutral","sentiment_score":0.07399736862484511,"num_words":77,"start":2098.405,"end":2122.905},{"sentences":[{"text":"I'll also have attached to that the financial services guide and a couple of just legal documents we'd like to attach their compliance documents for you to review as well.","start":2123.045,"end":2132.585,"sentiment":"neutral","sentiment_score":0.07322884177168211},{"text":"If you find you have any questions in relation to any of those documents, just feel free to let me know.","start":2133.09,"end":2138.1501,"sentiment":"neutral","sentiment_score":0.06153825475346474},{"text":"Okay?","start":2138.2102,"end":2138.7102,"sentiment":"neutral","sentiment_score":0.07309837639331818},{"text":"Easy.","start":2141.4102,"end":2141.9102,"sentiment":"positive","sentiment_score":0.4802047312259674},{"text":"All all good.","start":2142.05,"end":2143.6501,"sentiment":"positive","sentiment_score":0.6248055100440979}],"sentiment":"neutral","sentiment_score":0.10565871858437147,"num_words":56,"start":2123.045,"end":2143.6501},{"sentences":[{"text":"That's okay.","start":2143.6501,"end":2144.55,"sentiment":"positive","sentiment_score":0.42002882063388824},{"text":"It wasn't a huge update today, and I was sort of just looking to see how things go.","start":2144.975,"end":2148.655,"sentiment":"neutral","sentiment_score":0.06435817542175452},{"text":"Everything's kind of the implementation sort of not long been sort of set up and completed.","start":2148.655,"end":2153.215,"sentiment":"neutral","sentiment_score":0.10535200778394938},{"text":"So it's a bit of a matter of just watching to see how things go, keep reviewing everything, and just making sure it all continues to work.","start":2153.215,"end":2160.4001,"sentiment":"neutral","sentiment_score":0.13645076834493214},{"text":"And then once we get through this volatile time with The US and Iran and what's happening here with the, you know, inflation rates and things like that, then we'll sort of see how things are tracking.","start":2160.4001,"end":2170.6401,"sentiment":"neutral","sentiment_score":-0.009761196233936259}],"sentiment":"neutral","sentiment_score":0.07007143408060074,"num_words":100,"start":2143.6501,"end":2170.6401},{"sentences":[{"text":"So just give it another six months to see how we're tracking what's happening.","start":2170.6401,"end":2174.935,"sentiment":"neutral","sentiment_score":0.025947893104915108},{"text":"If if there's any changes in your life that you think are affecting it, let me know, and we can always look to adjust that for you as well.","start":2174.935,"end":2181.975,"sentiment":"neutral","sentiment_score":0.026657235326951946},{"text":"Okay?","start":2181.975,"end":2182.475,"sentiment":"neutral","sentiment_score":0.03123963624238968},{"text":"All good.","start":2184.93,"end":2185.57,"sentiment":"neutral","sentiment_score":0.2347055748105049},{"text":"Well, thank you so much for your time.","start":2185.57,"end":2187.51,"sentiment":"positive","sentiment_score":0.6328490599989891}],"sentiment":"neutral","sentiment_score":0.12406988136677279,"num_words":54,"start":2170.6401,"end":2187.51},{"sentences":[{"text":"All good.","start":2187.73,"end":2188.21,"sentiment":"positive","sentiment_score":0.5368648171424866},{"text":"I'll let you go to have a bit of a rest.","start":2188.21,"end":2189.97,"sentiment":"positive","sentiment_score":0.431105990301479},{"text":"I hope you get a good night's sleep and feel better.","start":2189.97,"end":2192.31,"sentiment":"positive","sentiment_score":0.48228386586362665},{"text":"Yeah.","start":2196.77,"end":2197.27,"sentiment":"neutral","sentiment_score":0.1039811745285988},{"text":"Yeah.","start":2197.97,"end":2198.47,"sentiment":"neutral","sentiment_score":0.16714976727962494}],"sentiment":"positive","sentiment_score":0.4381595766888215,"num_words":26,"start":2187.73,"end":2198.47},{"sentences":[{"text":"I will.","start":2200.985,"end":2201.645,"sentiment":"neutral","sentiment_score":0.2534571886062622},{"text":"It it was today.","start":2204.585,"end":2206.185,"sentiment":"neutral","sentiment_score":-0.011488430900499225},{"text":"We've had nothing but rain the 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make sure things are working for you and update everything.","start":2240.7249,"end":2248.3699,"sentiment":"neutral","sentiment_score":0.09591336816549301},{"text":"I should probably let you know as well because I've been with the company for a while.","start":2248.6099,"end":2252.29,"sentiment":"neutral","sentiment_score":0.06256919989691061}],"sentiment":"neutral","sentiment_score":0.07993721695882934,"num_words":49,"start":2237.685,"end":2252.29},{"sentences":[{"text":"They've given me a book of clients that you and Carl are on my specific book.","start":2252.29,"end":2256.23,"sentiment":"neutral","sentiment_score":0.05307208315934986},{"text":"That means that you only deal with me until you decide you don't like me anymore, which is honestly fine.","start":2256.465,"end":2262.0051,"sentiment":"neutral","sentiment_score":0.023422971554100513},{"text":"And it means that Michelle will be the one who gives you guys a call whenever she needs anything or books you in or, you know, doesn't update with me.","start":2262.5452,"end":2270.3252,"sentiment":"neutral","sentiment_score":0.06883892280360063},{"text":"She's my my little admin now, so she'll be the one that you guys talk to more regularly with myself and her.","start":2270.465,"end":2276.9202,"sentiment":"neutral","sentiment_score":0.07331878979775039},{"text":"So it'll be really good.","start":2277.54,"end":2278.74,"sentiment":"positive","sentiment_score":0.34292479753494265}],"sentiment":"neutral","sentiment_score":0.0721550302039231,"num_words":93,"start":2252.29,"end":2278.74},{"sentences":[{"text":"We just wanna make sure that we get give you guys consistency moving forward.","start":2278.74,"end":2282.52,"sentiment":"positive","sentiment_score":0.3382001646927425},{"text":"And if at any point I'm not living up to your expectations, let me know because I have very high expectations.","start":2282.9001,"end":2288.7751,"sentiment":"neutral","sentiment_score":-0.06625857550118651},{"text":"And if I'm not meeting them, I'll work harder to to make sure we get there.","start":2288.835,"end":2292.675,"sentiment":"neutral","sentiment_score":-0.12508411961607635},{"text":"Okay?","start":2292.675,"end":2293.175,"sentiment":"neutral","sentiment_score":-0.00002847239375114441},{"text":"Oh, thank you.","start":2296.195,"end":2297.335,"sentiment":"neutral","sentiment_score":0.11984061946471532}],"sentiment":"neutral","sentiment_score":0.03093672167848457,"num_words":55,"start":2278.74,"end":2297.335},{"sentences":[{"text":"All good.","start":2299.68,"end":2300.32,"sentiment":"neutral","sentiment_score":0.1519322320818901},{"text":"Well, I oh, isn't she beautiful?","start":2300.32,"end":2304.9,"sentiment":"neutral","sentiment_score":0.19051996245980263},{"text":"I just love her.","start":2304.96,"end":2305.92,"sentiment":"positive","sentiment_score":0.4728509411215782},{"text":"She's my, she's my admin.","start":2305.92,"end":2307.76,"sentiment":"neutral","sentiment_score":0.21497913897037507},{"text":"She's been in this kind of role for a lot of years, so she's been learning a lot about it.","start":2307.76,"end":2312.0,"sentiment":"neutral","sentiment_score":0.22575281411409379}],"sentiment":"neutral","sentiment_score":0.24130648596061244,"num_words":37,"start":2299.68,"end":2312.0},{"sentences":[{"text":"But, yeah, she honestly just tries everything, takes everything on board.","start":2312.4,"end":2315.4448,"sentiment":"positive","sentiment_score":0.41888260570439423},{"text":"She's just so wonderful to talk to.","start":2315.4448,"end":2317.7048,"sentiment":"positive","sentiment_score":0.7006497553416661},{"text":"So yeah.","start":2318.4849,"end":2319.045,"sentiment":"neutral","sentiment_score":0.2019960805773735},{"text":"No.","start":2319.045,"end":2319.285,"sentiment":"neutral","sentiment_score":0.2316576391458511},{"text":"It's fantastic.","start":2319.285,"end":2320.025,"sentiment":"positive","sentiment_score":0.4703238606452942}],"sentiment":"positive","sentiment_score":0.48211106398831244,"num_words":23,"start":2312.4,"end":2320.025},{"sentences":[{"text":"Really happy with her.","start":2320.2449,"end":2321.2048,"sentiment":"positive","sentiment_score":0.5996848493814468},{"text":"She's learning a lot, and she really enjoys calling all of our clients.","start":2321.2048,"end":2324.9849,"sentiment":"positive","sentiment_score":0.5296901303988236},{"text":"So yeah.","start":2325.125,"end":2326.355,"sentiment":"neutral","sentiment_score":0.21112525463104248},{"text":"Yeah.","start":2328.63,"end":2329.13,"sentiment":"neutral","sentiment_score":0.1815236508846283},{"text":"All good.","start":2329.43,"end":2330.17,"sentiment":"neutral","sentiment_score":0.26048436015844345}],"sentiment":"positive","sentiment_score":0.4731569987806407,"num_words":22,"start":2320.2449,"end":2330.17},{"sentences":[{"text":"Alright.","start":2331.43,"end":2331.75,"sentiment":"neutral","sentiment_score":0.11551477760076524},{"text":"Well, I'll thank you.","start":2331.75,"end":2335.67,"sentiment":"neutral","sentiment_score":0.22020429745316505},{"text":"I'll let you go to have a good rest.","start":2335.67,"end":2337.45,"sentiment":"positive","sentiment_score":0.643692864312066},{"text":"I hope you feel better soon, Carrie.","start":2337.91,"end":2339.51,"sentiment":"positive","sentiment_score":0.42315361329487394},{"text":"I hope you have a good weekend.","start":2339.51,"end":2340.97,"sentiment":"positive","sentiment_score":0.4774263714041029}],"sentiment":"positive","sentiment_score":0.4676295585398163,"num_words":28,"start":2331.43,"end":2340.97},{"sentences":[{"text":"Yeah.","start":2348.9648,"end":2349.4648,"sentiment":"neutral","sentiment_score":0.07386794686317444},{"text":"Oh, that's so beautiful.","start":2349.525,"end":2351.1448,"sentiment":"neutral","sentiment_score":0.25667234882712364},{"text":"Oh, that's so lovely.","start":2352.4849,"end":2354.105,"sentiment":"positive","sentiment_score":0.7443845868110657},{"text":"Oh, and I'll make sure I get this this bank account nomination form done for you straight after the call so it comes out to you to sign tonight.","start":2354.325,"end":2361.5,"sentiment":"neutral","sentiment_score":0.18500561215754213},{"text":"Okay?","start":2361.6401,"end":2362.1401,"sentiment":"neutral","sentiment_score":0.06829455494880676}],"sentiment":"neutral","sentiment_score":0.24388597428034514,"num_words":39,"start":2348.9648,"end":2362.1401},{"sentences":[{"text":"My pleasure, Carrie.","start":2365.48,"end":2366.6,"sentiment":"positive","sentiment_score":0.7522508303324381},{"text":"Talk to you soon.","start":2366.6,"end":2367.48,"sentiment":"positive","sentiment_score":0.42759136110544205},{"text":"See you later.","start":2367.48,"end":2368.3,"sentiment":"positive","sentiment_score":0.37550608317057294},{"text":"Thanks.","start":2369.72,"end":2370.2,"sentiment":"positive","sentiment_score":0.5246708989143372},{"text":"Bye.","start":2370.2,"end":2370.7,"sentiment":"neutral","sentiment_score":-0.12517453730106354}],"sentiment":"positive","sentiment_score":0.4577610455453396,"num_words":12,"start":2365.48,"end":2370.7}]}}]},{"alternatives":[{"transcript":"Hang on. Carrie speaking. Good. Yourself? Yeah. Yeah. Yeah. No. It's good. Oh, you have been I've had the oh, I wouldn't say the flu, but bad cold and, you know, just everyday when you think you're getting better and all of a sudden you feel really itchy. I've tried to, but I gave up the struggle this afternoon and come home, and I went to lie down and since I've got up, I said, oh, that's that's what I needed with a good sleep. No. No. No. No. No. I've gotta get up beforehand and it was a good sleep now, and I wouldn't get any tonight. The boss of my boss the other day, I'd had a oh, this well, I've had a really because I got diabetes. So every now and again, if if anything is going to go wrong, it'll go wrong at the night time. And I had this really bad night with it, and I said, what I can remember, you know, when I was younger, we had the two kids, and then they'd they'd be up. And I used to be in the band, and on a Thursday night, we'd go down to the golf club for a drink, and then they turn and they'll end up to be a midnight matter. And you'd rock up and go to work the next day, and you think I can't do that now. Mind you, I'm a hell of a lot older than you are, but, you know? Okay. No. Because that, I think that comes from working, you know, like, because you're you're you're on there all over time. Oh, the minute. Yeah. Yeah. Sure. Yeah. Go for it. Alrighty. Carrie Ann Andrews. 10 With Castle Street, Moree, and the date of birth, '60 three. Yeah. Yeah. I'm getting there quite well. Good. I probably to change the bank account that I get it put into, do I just contact Hub twenty four and just say I just want it paid into that account rather than that account? Yes. No. No. No. I've actually gone and opened another account so that it doesn't just get swallowed up in whatever else I'm doing. And so I just sort of said, oh, well, I'll put it to the side there, and then I know exactly where I'm up to then. I'm one of them I'm one of them old fashioned people that you have an account for this, an account for that, an account for that, you know. The only way I'd be correct. Mhmm. Get rid of you. Yep. That'll be fine. Yes. Mhmm. Okay. Yes. Yep. Hello. Yes. Mhmm. Yes. It's pretty well sounds like the whole world's way, isn't it? Just hold on and wait. Oh my god. How many years have we got of him? Oh, right. Yes. Yes. Yes. Nothing surprises us anymore. Yeah. Probably one of them, wouldn't it? All good. And he's rejecting his insurance. How much is the pay to hold that to? Bloody nuts. When he was telling me, I was like, yeah. Yeah. Yes. Yes. No. That's right. Just so you know, both of us will be away the week of the I think it's the seventeenth, seventeenth, eighteenth. Yeah. The eighteenth will be away that week. So oh, no. We've got Colin, as you know, is deaf as opposed. Anyway, we went to the to Toowoomba here a few a month ago, and we've got to go back and have some tests and just check that there's nothing physical causing, like, you know, an MRI just to check there's nothing wrong there. And then another hearing test and then just trying to work it because one ear has gone quite bad quite quickly, and they're just trying to figure that out. So while we were you know, that was we were gonna come back on the Tuesday, but Colin's brother has had liver failure, and he was put on the list for a liver reply you know, replacement type of thing, you know. And, anyway, we thought, yeah. We thought, oh, that'll be a couple of years. Anyway, two weeks. And then he he had these turns, poor bugger, where he sort of passes out, and he passed out at home. That's where he remembers Nick, and they took him to the local hospital. And while he was there while he was there, like, their local was Tweed. While he was there, they still got the same available. So he's woken up at the other end in Brisbane with a new liver. They've all woken out of him, but so far so good. So we thought while we're at Toowoomba, we'll keep going and go to Brisbane and spend a couple of days and visit him. So that's, you know, that's I don't know if you'd call it a holiday. But, yeah, we just thought seeing we're halfway there. Brisbane, we might as well keep going and catch up with it. Yeah. But, yeah, like, amazing thing because we thought two years or more, you know, probably be on it. You know? And, yeah, this one came up all so quickly, and he's had it, and so far, so good. So yeah. So but I just thought you poor bugger, you go to bed in your own go to sleep in your own bed, next thing you wake up in breath with with all these things and you go, Jesus. Anyway but, yeah, that's all weird. We're just going to be away that week. So just so that, you know, you can do it you can do it the week after or something. Lexi. Yes. Yes. That's good. Yes. Yes. Yeah. Yeah. Yeah. It's just like, you know, we it's just like guys, like, we said, oh, yes. We've got money here. We can afford to get our kitchen done. So I'm putting all my savings into getting my kitchen done because my kitchen's a 1960 kitchen. Anyway, so as soon as that happens, talk about financial hemorrhage, you know, you sort of got this insurance and and, like, it's house insurance here. It's so hard to get. And not a matter of what you can afford, it's what you can get. There's a lot of places that say, maybe we won't touch it. But so that sort of thing, Saska. It's just typical. One minute you think you're doing well, and the next thing, where am I? But anyway. Yeah. Well, that's right. And the thing is we want that's our problem is, like, oh, yes. We can show you a place for $18,000. You're kidding me. But, you know, we sort of we found one insurance that, you know well, there's a couple out there that won't will let you strike off flood because we're, you know, we're in a flood zone, but the house is out of flood. And they've been through a few of them and, yeah, they do make a mess, but they don't generally get into the house. Yes. So you should have your house insured for this and all that. And I think, yeah, it's all very well, but you gotta be able to afford it week to week to week. Well, see, across my bus is across town and well, the other side of town, they don't get flooded. They don't get flood water, yet they still gotta pay all the premiums for being in a plaza. Anyway It's still in the process. So you should see it's like golf golf and all pull the kitchen out. So we had, like, a bit of pieces. So we've emptied the cupboards that we've got. So they are all the sort of ones that are in buckets under a little fold up table that we're using. And and then he's we've got, like, the old houses where, you know, had they had on the wall, they'd have a strip, strip and then they put a little piece of wood across it where the two pieces would meet. We've got that. So we've taken that off. So my grandson walked in the other day and goes, oh, mama, did you want that like that? I said, no. It's not why I how I want it. So we've done as much as we can that way. So when we get you'd probably be I'd say June, they'll be able to come and do it. And then we've just got the wooden cupboards that are attached to the wall across one wall. So, of course, the grandkids and the children who are in their thirties can't wait to come and play demolition. Yeah. That's right. Wack a cop. And it'll be interesting to to see I think they're like a they're attached to the wall, but they'll be interesting to see what if if anything is behind it. Because when we first moved in here, when we moved in with dad, we took up the lino that was in the kitchen. And underneath was all this newspaper. And there was all these pictures of women with these beehive hacks, and there was an advertisement for the brand new corona that was out. So it's interesting if they was behind it, if anything. Anyway so, yeah, that's lined up in June. So it's not a you know, it's just one of those things we're just doing bit by bit and waiting for the yes we'll be ready. So I won't know myself when I actually have a proper kitchen and bench space. I don't care about anything else. I want bench space. As I said, years, I've been saying I want enough bench break because there used to be five of us here that, you know, calling myself the two girls and my father. And I said, I would love to have enough bench space to put five plates out to serve tea. And it's down to two now. I'm like, Yeah. That's right. You know, everyone said, hey. You're doing this. Why are you doing this? I'm not there yet. Ideally, what we'd like to do like, we've put on a back porch. We've gotta finish that. That was sort of put on hold. So we're like, it's finished, usable, and all that. We just gotta put some handrails around it. It's probably I suppose it's entirely illegal at present, but it didn't in the process of. And then there's just maintenance. It's what it could be done. You know, it's a problem with an old house is they do want maintenance. And so, you know, there's a lot of paying you to do. We had our eldest, Alicia's son, for us with us for a weekend here a while back. And she said, oh, thank you, mom, for taking anything, you know, because being, you know, a single mom, she sort of needs that pulling out every now and again. Anyhow, well, I said, that's alright, darling. I'll get the pound flesh out of you later. I've got a kitchen that's gonna need to be painted. That's right. Yeah. I still still tell them that I they still owe me for all the amount of times. I've had to go and pick them up when they were teenagers. But, anyway, yeah, so that's probably our only thing that we're sort of looking at at present is doing that. And then next year, our car comes due, the lease on it comes due. So we, you know, we'll just swap that over, and that'll probably be the last one until we retire. And then but, yeah, that because there's nothing, you know, nothing brand other than just keeping afloat, really. Yeah. I am. Colin would like to do it at 65, but see how financial we are at that time. Random question. With the super, we can only get so much until what age? 60 five. Yes. Yep. No. That's fine. I I knew there was an age, but I couldn't remember what it was. Was it 65 or 67 or what it is? Yeah. No. That's fine. Mhmm. Yeah. No. That's fine. Yeah. No. No. That is just you know, when we get to our age, we start talking about these things. And and a couple of times I've noticed calls. So, oh, we're doing this. No. I don't think that's what she said. And then we're gonna no. He's heard heard wrong, which but yeah. So yeah. No. All all seems to be plodding along quite well. That sounds good. Maybe not for me. No. And I think things are gonna get a bit tough around here because it's very, very dry. Well, you know, it's start it's starting to get concerning. There's no there's no talk of rain, so people aren't you know, there's and then with the cost of fuel, you know, the lobby around a lot of people thinking, well, do we waste money planting or don't we? You know? People like that sort of but yeah. So I don't think there's gonna be any pay raises for me for a while. Yes. No worries. Yes. It is. So, hopefully, we will be a bit better off in probably a couple of months because Colin will sign or go back to work full time. That will make a great difference. Yes. Yes. Yeah. No worries. Bye. Oh, I think that'll 500,000. It's hard to say. Because one minute you stay around here and you think, oh, jeez. They got that much money for that house? And then then another one, you can see that's going cheap. Like, around the corner from it, there's a little house that they had all done up. It's a little about the same age as this place, and they had done it up. That was not a three bedroom with the board. But it's still in flood zone. Like, it's still the flood actually went through it. And they got 650,000 for that. And then they went down to Greenbough, which is sort of down the road a bit, which is a really nice area into one of the best streets in the town, and they bought a place then for 600. How does that work? So I'd say four so it's a 450 to 500, I suppose. I can tell you exactly what I've got going to the day. We have paid a bit of it off. Because how we actually got a letter the other day saying your interest rates your payments are going down. That'll probably change that'll probably change next week. But anyway, it was under 52,227. Oh, yeah. We we did a lot of work here to place here with major repairs here a while back, and that would have been paid off by now if we hadn't had to do that. Yeah. That's right. It had to be done. Yeah. So we're getting that one down. Yeah. Hang on. It's about to be absolutely decimated. We've got hold on a minute. I think we've only got about 9,000 in that prison. I guess. I've got no reason to pay it for that. I guess. Yeah. We did actually move it up to about 80 for insurance the other day. I think so. I'm not aware of anything like that. I haven't been given any massive diamonds or anything like that. That's right. Yeah. Well, I'd pass out if I won the lotto. And then I'd put myself to probably pay me. Well, we we had a friend, and I don't know if I told you this, but we had a friend oh, this is quite a few years ago now, but he used to work for a air spraying firm, and he often has to go down around Adelaide Way and work down there for the company. And because he'd go away for five or six weeks, he always put in his lotto ticket lottery ticket. So he put in the lotto numbers or whatever it is. So he went into the news agency, I'll put these in for me. He said, you know you're gonna be doubled up one week. And the bloke said, alright. Nothing I can do about it. Otherwise, I won't get them in, probably put them in. Well, blow me down. He won it, didn't he? That week. And because he had two tickets in, he had he'd got 70,000. And then because he had two tickets in it, he got a 140. And he's away, and his wife rang, and she said, I've got no one else to tell them. He just and he told me, like, how how are you when you win the one one week you overlap, and that's when you win. Yeah. So it can happen, but I'm not gonna I'm not gonna hold my breath. Yeah. Yeah. That's right. I don't keep time. We keep saying it works, you know. The the boss's wife said, oh, hey, Carrie. You're not you're gonna be working here for a while because my boss is 79. He's still working. And and anyway, she said not I said not four years. That's all you got for years, and you won't see me for that. And I said, okay. So long ago, but four years, it's surprising how quick that will go. Yeah. That's right. They're I want enough so I could you know, that not a huge amount. Just enough to do things. I'd keep working. You know, it is a good place to work, but I'm just ready. People keep saying, what are you gonna do? You're gonna get so bored. I said, oh, no. I'm not. I've got a list already. I'm not worried. If you think it might be, you know, things sort of change a bit and you think it's necessary, just give me a call. But yeah. Otherwise, you know, we we say, twice a year or something like that maybe. Hello? Yeah. That'd be good. Because things tend to, you know, change from one minute to another lately. But oh, that's right. Sometimes it's better if you don't. Can I give you those card account details for where I want that money pulled in? Mhmm. Yep. It's BSB48479 9, and the account is 6 is the account is 604 792 238. Mhmm. Yes. Yeah. Nice cream, Hari. That'll be fine. Mhmm. Yep. Love it when something works. I I had 09:00 the other morning. The phone was ringing off. You have people ring up first thing. And I'm trying to get my computer to wake up in the end. This person wanted an appointment. And I said, yeah. We'll put you in for this time, and I'll ring you back if there's a problem because I couldn't get the damn thing open every time you have password for everything. Oh, so slow. Yeah. Yeah. Oh, you know, it's crazy. I think think look at what I'm going into. You've gotta kidding. What are you saving the world from? Mhmm. Mhmm. Yep. No problem. No worries. Thank you very much. Yes. No worries. Okeydokey. That sounds cool. Yeah. That's I think that's all that I needed was a good sleep. But anyway well, you look you look after you and yours, and I suppose it's beautiful weather up there at present. We have a little rain so dry. Yeah. And then we had we've had 28 degrees, 26 degrees. Hit 20 today going no. Yeah. 20 is going down to 18 tomorrow. And then with me this time next week, we're back up to 26. Crazy. But anyway, we've gotta get cold sometime, I suppose. Mhmm. Yes. Yep. Yes. No. So far, so very, very good. So yeah. No. That's been doing good. No worries. Yeah. I've spoken to Michelle a couple of times. She's lovely. Yeah. Oh, that's good. That's good. Yeah. Okay. Well, I'll let you go home so you can get some dinner at some stage. Yeah. Thank you. Yeah. No. I'll be I'll be good again. Oh, that's why we got a birthday party this weekend. The baby's grandson turns two. So we've got a hiding the pot. No worries. Okay. Thank you very much. Take care. See you. 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on. Carrie speaking. Good. Yourself? Yeah.\n\nYeah. Yeah. No. It's good. Oh, you have been I've had the oh, I wouldn't say the flu, but bad cold and, you know, just everyday when you think you're getting better and all of a sudden you feel really itchy.\n\nI've tried to, but I gave up the struggle this afternoon and come home, and I went to lie down and since I've got up, I said, oh, that's that's what I needed with a good sleep. No. No. No. No.\n\nNo. I've gotta get up beforehand and it was a good sleep now, and I wouldn't get any tonight. The boss of my boss the other day, I'd had a oh, this well, I've had a really because I got diabetes. So every now and again, if if anything is going to go wrong, it'll go wrong at the night time. And I had this really bad night with it, and I said, what I can remember, you know, when I was younger, we had the two kids, and then they'd they'd be up.\n\nAnd I used to be in the band, and on a Thursday night, we'd go down to the golf club for a drink, and then they turn and they'll end up to be a midnight matter. And you'd rock up and go to work the next day, and you think I can't do that now. Mind you, I'm a hell of a lot older than you are, but, you know? Okay. No.\n\nBecause that, I think that comes from working, you know, like, because you're you're you're on there all over time. Oh, the minute. Yeah. Yeah. Sure.\n\nYeah. Go for it. Alrighty. Carrie Ann Andrews. 10 With Castle Street, Moree, and the date of birth, '60 three.\n\nYeah. Yeah. I'm getting there quite well. Good. I probably to change the bank account that I get it put into, do I just contact Hub twenty four and just say I just want it paid into that account rather than that account?\n\nYes. No. No. No. I've actually gone and opened another account so that it doesn't just get swallowed up in whatever else I'm doing.\n\nAnd so I just sort of said, oh, well, I'll put it to the side there, and then I know exactly where I'm up to then. I'm one of them I'm one of them old fashioned people that you have an account for this, an account for that, an account for that, you know. The only way I'd be correct. Mhmm. Get rid of you.\n\nYep. That'll be fine. Yes. Mhmm. Okay.\n\nYes. Yep. Hello. Yes. Mhmm.\n\nYes. It's pretty well sounds like the whole world's way, isn't it? Just hold on and wait. Oh my god. How many years have we got of him?\n\nOh, right. Yes. Yes. Yes. Nothing surprises us anymore.\n\nYeah. Probably one of them, wouldn't it? All good. And he's rejecting his insurance. How much is the pay to hold that to?\n\nBloody nuts. When he was telling me, I was like, yeah. Yeah. Yes. Yes.\n\nNo. That's right. Just so you know, both of us will be away the week of the I think it's the seventeenth, seventeenth, eighteenth. Yeah. The eighteenth will be away that week.\n\nSo oh, no. We've got Colin, as you know, is deaf as opposed. Anyway, we went to the to Toowoomba here a few a month ago, and we've got to go back and have some tests and just check that there's nothing physical causing, like, you know, an MRI just to check there's nothing wrong there. And then another hearing test and then just trying to work it because one ear has gone quite bad quite quickly, and they're just trying to figure that out. So while we were you know, that was we were gonna come back on the Tuesday, but Colin's brother has had liver failure, and he was put on the list for a liver reply you know, replacement type of thing, you know.\n\nAnd, anyway, we thought, yeah. We thought, oh, that'll be a couple of years. Anyway, two weeks. And then he he had these turns, poor bugger, where he sort of passes out, and he passed out at home. That's where he remembers Nick, and they took him to the local hospital.\n\nAnd while he was there while he was there, like, their local was Tweed. While he was there, they still got the same available. So he's woken up at the other end in Brisbane with a new liver. They've all woken out of him, but so far so good. So we thought while we're at Toowoomba, we'll keep going and go to Brisbane and spend a couple of days and visit him.\n\nSo that's, you know, that's I don't know if you'd call it a holiday. But, yeah, we just thought seeing we're halfway there. Brisbane, we might as well keep going and catch up with it. Yeah. But, yeah, like, amazing thing because we thought two years or more, you know, probably be on it.\n\nYou know? And, yeah, this one came up all so quickly, and he's had it, and so far, so good. So yeah. So but I just thought you poor bugger, you go to bed in your own go to sleep in your own bed, next thing you wake up in breath with with all these things and you go, Jesus. Anyway but, yeah, that's all weird.\n\nWe're just going to be away that week. So just so that, you know, you can do it you can do it the week after or something. Lexi. Yes. Yes.\n\nThat's good. Yes. Yes. Yeah. Yeah.\n\nYeah. It's just like, you know, we it's just like guys, like, we said, oh, yes. We've got money here. We can afford to get our kitchen done. So I'm putting all my savings into getting my kitchen done because my kitchen's a 1960 kitchen.\n\nAnyway, so as soon as that happens, talk about financial hemorrhage, you know, you sort of got this insurance and and, like, it's house insurance here. It's so hard to get. And not a matter of what you can afford, it's what you can get. There's a lot of places that say, maybe we won't touch it. But so that sort of thing, Saska.\n\nIt's just typical. One minute you think you're doing well, and the next thing, where am I? But anyway. Yeah. Well, that's right.\n\nAnd the thing is we want that's our problem is, like, oh, yes. We can show you a place for $18,000. You're kidding me. But, you know, we sort of we found one insurance that, you know well, there's a couple out there that won't will let you strike off flood because we're, you know, we're in a flood zone, but the house is out of flood. And they've been through a few of them and, yeah, they do make a mess, but they don't generally get into the house.\n\nYes. So you should have your house insured for this and all that. And I think, yeah, it's all very well, but you gotta be able to afford it week to week to week. Well, see, across my bus is across town and well, the other side of town, they don't get flooded. They don't get flood water, yet they still gotta pay all the premiums for being in a plaza.\n\nAnyway It's still in the process. So you should see it's like golf golf and all pull the kitchen out. So we had, like, a bit of pieces. So we've emptied the cupboards that we've got. So they are all the sort of ones that are in buckets under a little fold up table that we're using.\n\nAnd and then he's we've got, like, the old houses where, you know, had they had on the wall, they'd have a strip, strip and then they put a little piece of wood across it where the two pieces would meet. We've got that. So we've taken that off. So my grandson walked in the other day and goes, oh, mama, did you want that like that? I said, no.\n\nIt's not why I how I want it. So we've done as much as we can that way. So when we get you'd probably be I'd say June, they'll be able to come and do it. And then we've just got the wooden cupboards that are attached to the wall across one wall. So, of course, the grandkids and the children who are in their thirties can't wait to come and play demolition.\n\nYeah. That's right. Wack a cop. And it'll be interesting to to see I think they're like a they're attached to the wall, but they'll be interesting to see what if if anything is behind it. Because when we first moved in here, when we moved in with dad, we took up the lino that was in the kitchen.\n\nAnd underneath was all this newspaper. And there was all these pictures of women with these beehive hacks, and there was an advertisement for the brand new corona that was out. So it's interesting if they was behind it, if anything. Anyway so, yeah, that's lined up in June. So it's not a you know, it's just one of those things we're just doing bit by bit and waiting for the yes we'll be ready.\n\nSo I won't know myself when I actually have a proper kitchen and bench space. I don't care about anything else. I want bench space. As I said, years, I've been saying I want enough bench break because there used to be five of us here that, you know, calling myself the two girls and my father. And I said, I would love to have enough bench space to put five plates out to serve tea.\n\nAnd it's down to two now. I'm like, Yeah. That's right. You know, everyone said, hey. You're doing this.\n\nWhy are you doing this? I'm not there yet. Ideally, what we'd like to do like, we've put on a back porch. We've gotta finish that. That was sort of put on hold.\n\nSo we're like, it's finished, usable, and all that. We just gotta put some handrails around it. It's probably I suppose it's entirely illegal at present, but it didn't in the process of. And then there's just maintenance. It's what it could be done.\n\nYou know, it's a problem with an old house is they do want maintenance. And so, you know, there's a lot of paying you to do. We had our eldest, Alicia's son, for us with us for a weekend here a while back. And she said, oh, thank you, mom, for taking anything, you know, because being, you know, a single mom, she sort of needs that pulling out every now and again. Anyhow, well, I said, that's alright, darling.\n\nI'll get the pound flesh out of you later. I've got a kitchen that's gonna need to be painted. That's right. Yeah. I still still tell them that I they still owe me for all the amount of times.\n\nI've had to go and pick them up when they were teenagers. But, anyway, yeah, so that's probably our only thing that we're sort of looking at at present is doing that. And then next year, our car comes due, the lease on it comes due. So we, you know, we'll just swap that over, and that'll probably be the last one until we retire. And then but, yeah, that because there's nothing, you know, nothing brand other than just keeping afloat, really.\n\nYeah. I am. Colin would like to do it at 65, but see how financial we are at that time. Random question. With the super, we can only get so much until what age?\n\n60 five. Yes. Yep. No. That's fine.\n\nI I knew there was an age, but I couldn't remember what it was. Was it 65 or 67 or what it is? Yeah. No. That's fine.\n\nMhmm. Yeah. No. That's fine. Yeah.\n\nNo. No. That is just you know, when we get to our age, we start talking about these things. And and a couple of times I've noticed calls. So, oh, we're doing this.\n\nNo. I don't think that's what she said. And then we're gonna no. He's heard heard wrong, which but yeah. So yeah.\n\nNo. All all seems to be plodding along quite well. That sounds good. Maybe not for me. No.\n\nAnd I think things are gonna get a bit tough around here because it's very, very dry. Well, you know, it's start it's starting to get concerning. There's no there's no talk of rain, so people aren't you know, there's and then with the cost of fuel, you know, the lobby around a lot of people thinking, well, do we waste money planting or don't we? You know? People like that sort of but yeah.\n\nSo I don't think there's gonna be any pay raises for me for a while. Yes. No worries. Yes. It is.\n\nSo, hopefully, we will be a bit better off in probably a couple of months because Colin will sign or go back to work full time. That will make a great difference. Yes. Yes. Yeah.\n\nNo worries. Bye. Oh, I think that'll 500,000. It's hard to say. Because one minute you stay around here and you think, oh, jeez.\n\nThey got that much money for that house? And then then another one, you can see that's going cheap. Like, around the corner from it, there's a little house that they had all done up. It's a little about the same age as this place, and they had done it up. That was not a three bedroom with the board.\n\nBut it's still in flood zone. Like, it's still the flood actually went through it. And they got 650,000 for that. And then they went down to Greenbough, which is sort of down the road a bit, which is a really nice area into one of the best streets in the town, and they bought a place then for 600. How does that work?\n\nSo I'd say four so it's a 450 to 500, I suppose. I can tell you exactly what I've got going to the day. We have paid a bit of it off. Because how we actually got a letter the other day saying your interest rates your payments are going down. That'll probably change that'll probably change next week.\n\nBut anyway, it was under 52,227. Oh, yeah. We we did a lot of work here to place here with major repairs here a while back, and that would have been paid off by now if we hadn't had to do that. Yeah. That's right.\n\nIt had to be done. Yeah. So we're getting that one down. Yeah. Hang on.\n\nIt's about to be absolutely decimated. We've got hold on a minute. I think we've only got about 9,000 in that prison. I guess. I've got no reason to pay it for that.\n\nI guess. Yeah. We did actually move it up to about 80 for insurance the other day. I think so. I'm not aware of anything like that.\n\nI haven't been given any massive diamonds or anything like that. That's right. Yeah. Well, I'd pass out if I won the lotto. And then I'd put myself to probably pay me.\n\nWell, we we had a friend, and I don't know if I told you this, but we had a friend oh, this is quite a few years ago now, but he used to work for a air spraying firm, and he often has to go down around Adelaide Way and work down there for the company. And because he'd go away for five or six weeks, he always put in his lotto ticket lottery ticket. So he put in the lotto numbers or whatever it is. So he went into the news agency, I'll put these in for me. He said, you know you're gonna be doubled up one week.\n\nAnd the bloke said, alright. Nothing I can do about it. Otherwise, I won't get them in, probably put them in. Well, blow me down. He won it, didn't he?\n\nThat week. And because he had two tickets in, he had he'd got 70,000. And then because he had two tickets in it, he got a 140. And he's away, and his wife rang, and she said, I've got no one else to tell them. He just and he told me, like, how how are you when you win the one one week you overlap, and that's when you win.\n\nYeah. So it can happen, but I'm not gonna I'm not gonna hold my breath. Yeah. Yeah. That's right.\n\nI don't keep time. We keep saying it works, you know. The the boss's wife said, oh, hey, Carrie. You're not you're gonna be working here for a while because my boss is 79. He's still working.\n\nAnd and anyway, she said not I said not four years. That's all you got for years, and you won't see me for that. And I said, okay. So long ago, but four years, it's surprising how quick that will go. Yeah.\n\nThat's right. They're I want enough so I could you know, that not a huge amount. Just enough to do things. I'd keep working. You know, it is a good place to work, but I'm just ready.\n\nPeople keep saying, what are you gonna do? You're gonna get so bored. I said, oh, no. I'm not. I've got a list already.\n\nI'm not worried. If you think it might be, you know, things sort of change a bit and you think it's necessary, just give me a call. But yeah. Otherwise, you know, we we say, twice a year or something like that maybe. Hello?\n\nYeah. That'd be good. Because things tend to, you know, change from one minute to another lately. But oh, that's right. Sometimes it's better if you don't.\n\nCan I give you those card account details for where I want that money pulled in? Mhmm. Yep. It's BSB48479 9, and the account is 6 is the account is 604 792 238. Mhmm.\n\nYes. Yeah. Nice cream, Hari. That'll be fine. Mhmm.\n\nYep. Love it when something works. I I had 09:00 the other morning. The phone was ringing off. You have people ring up first thing.\n\nAnd I'm trying to get my computer to wake up in the end. This person wanted an appointment. And I said, yeah. We'll put you in for this time, and I'll ring you back if there's a problem because I couldn't get the damn thing open every time you have password for everything. Oh, so slow.\n\nYeah. Yeah. Oh, you know, it's crazy. I think think look at what I'm going into. You've gotta kidding.\n\nWhat are you saving the world from? Mhmm. Mhmm. Yep. No problem.\n\nNo worries. Thank you very much. Yes. No worries. Okeydokey.\n\nThat sounds cool. Yeah. That's I think that's all that I needed was a good sleep. But anyway well, you look you look after you and yours, and I suppose it's beautiful weather up there at present. We have a little rain so dry.\n\nYeah. And then we had we've had 28 degrees, 26 degrees. Hit 20 today going no. Yeah. 20 is going down to 18 tomorrow.\n\nAnd then with me this time next week, we're back up to 26. Crazy. But anyway, we've gotta get cold sometime, I suppose. Mhmm. Yes.\n\nYep. Yes. No. So far, so very, very good. So yeah.\n\nNo. That's been doing good. No worries. Yeah. I've spoken to Michelle a couple of times.\n\nShe's lovely. Yeah. Oh, that's good. That's good. Yeah.\n\nOkay. Well, I'll let you go home so you can get some dinner at some stage. Yeah. Thank you. Yeah.\n\nNo. I'll be I'll be good again. Oh, that's why we got a birthday party this weekend. The baby's grandson turns two. So we've got a hiding the pot.\n\nNo worries. Okay. Thank you very much. Take care. See you.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hang on.","start":2.6399999,"end":3.36,"sentiment":"neutral","sentiment_score":0.03010091371834278},{"text":"Carrie speaking.","start":3.36,"end":4.26,"sentiment":"neutral","sentiment_score":0.03595607914030552},{"text":"Good.","start":8.639999,"end":9.04,"sentiment":"positive","sentiment_score":0.5393202304840088},{"text":"Yourself?","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.39401310682296753},{"text":"Yeah.","start":16.175,"end":16.495,"sentiment":"neutral","sentiment_score":0.13218821585178375}],"sentiment":"neutral","sentiment_score":0.1710907912680081,"num_words":7,"start":2.6399999,"end":16.495},{"sentences":[{"text":"Yeah.","start":16.495,"end":16.815,"sentiment":"neutral","sentiment_score":0.10936681926250458},{"text":"Yeah.","start":16.815,"end":17.315,"sentiment":"neutral","sentiment_score":0.09914614260196686},{"text":"No.","start":18.255001,"end":18.575,"sentiment":"neutral","sentiment_score":0.04886747896671295},{"text":"It's good.","start":18.575,"end":19.235,"sentiment":"positive","sentiment_score":0.389707088470459},{"text":"Oh, you have been I've had the oh, I wouldn't say the flu, but bad cold and, you know, just everyday when you think you're getting better and all of a sudden you feel really itchy.","start":22.494999,"end":31.880001,"sentiment":"neutral","sentiment_score":-0.26029858158694374}],"sentiment":"neutral","sentiment_score":-0.2032671785209237,"num_words":41,"start":16.495,"end":31.880001},{"sentences":[{"text":"I've tried to, but I gave up the struggle this afternoon and come home, and I went to lie down and since I've got up, I said, oh, that's that's what I needed with a good sleep.","start":38.66,"end":47.625,"sentiment":"neutral","sentiment_score":-0.09182217948742814},{"text":"No.","start":51.925,"end":52.165,"sentiment":"neutral","sentiment_score":-0.18115481734275815},{"text":"No.","start":52.165,"end":52.485,"sentiment":"neutral","sentiment_score":-0.19656869769096377},{"text":"No.","start":52.485,"end":52.885002,"sentiment":"neutral","sentiment_score":-0.20615428686141968},{"text":"No.","start":52.885002,"end":53.385002,"sentiment":"neutral","sentiment_score":-0.22242748737335205}],"sentiment":"neutral","sentiment_score":-0.10252990073910574,"num_words":41,"start":38.66,"end":53.385002},{"sentences":[{"text":"No.","start":54.565002,"end":54.965,"sentiment":"neutral","sentiment_score":-0.28772246837615967},{"text":"I've gotta get up beforehand and it was a good sleep now, and I wouldn't get any tonight.","start":54.965,"end":59.84,"sentiment":"neutral","sentiment_score":-0.23457049578428268},{"text":"The boss of my boss the other day, I'd had a oh, this well, I've had a really because I got diabetes.","start":76.104996,"end":82.284996,"sentiment":"neutral","sentiment_score":-0.1538729430599646},{"text":"So every now and again, if if anything is going to go wrong, it'll go wrong at the night time.","start":82.505,"end":86.88,"sentiment":"neutral","sentiment_score":-0.22987487111240626},{"text":"And I had this really bad night with it, and I said, what I can remember, you know, when I was younger, we had the two kids, and then they'd they'd be up.","start":87.439995,"end":95.6,"sentiment":"neutral","sentiment_score":-0.16243739064895746}],"sentiment":"neutral","sentiment_score":-0.1899268878029382,"num_words":94,"start":54.565002,"end":95.6},{"sentences":[{"text":"And I used to be in the band, and on a Thursday night, we'd go down to the golf club for a drink, and then they turn and they'll end up to be a midnight matter.","start":95.6,"end":102.925,"sentiment":"neutral","sentiment_score":-0.02489787505732642},{"text":"And you'd rock up and go to work the next day, and you think I can't do that now.","start":102.925,"end":107.485,"sentiment":"neutral","sentiment_score":-0.10657456870141782},{"text":"Mind you, I'm a hell of a lot older than you are, but, you know?","start":107.485,"end":110.625,"sentiment":"neutral","sentiment_score":-0.10996532961726188},{"text":"Okay.","start":123.54,"end":124.04,"sentiment":"neutral","sentiment_score":-0.07214735448360443},{"text":"No.","start":124.420006,"end":124.82001,"sentiment":"neutral","sentiment_score":-0.11601155996322632}],"sentiment":"neutral","sentiment_score":-0.0660955439735618,"num_words":72,"start":95.6,"end":124.82001},{"sentences":[{"text":"Because that, I think that comes from working, you know, like, because you're you're you're on there all over time.","start":124.82001,"end":130.94499,"sentiment":"neutral","sentiment_score":-0.0852737756446004},{"text":"Oh, the minute.","start":131.885,"end":132.705,"sentiment":"neutral","sentiment_score":0.04060238413512707},{"text":"Yeah.","start":142.36499,"end":142.525,"sentiment":"neutral","sentiment_score":0.08261267840862274},{"text":"Yeah.","start":142.525,"end":142.95,"sentiment":"neutral","sentiment_score":0.10944950580596924},{"text":"Sure.","start":152.15,"end":152.62999,"sentiment":"neutral","sentiment_score":0.09751173853874208}],"sentiment":"neutral","sentiment_score":-0.049772862989742025,"num_words":26,"start":124.82001,"end":152.62999},{"sentences":[{"text":"Yeah.","start":152.62999,"end":152.87,"sentiment":"neutral","sentiment_score":0.12508738040924072},{"text":"Go for it.","start":152.87,"end":153.76999,"sentiment":"neutral","sentiment_score":0.21181093653043112},{"text":"Alrighty.","start":161.525,"end":162.025,"sentiment":"neutral","sentiment_score":0.0570891834795475},{"text":"Carrie Ann Andrews.","start":162.08499,"end":163.22499,"sentiment":"neutral","sentiment_score":0.04600900784134865},{"text":"10 With Castle Street, Moree, and the date of birth, '60 three.","start":164.08499,"end":176.3675,"sentiment":"neutral","sentiment_score":0.034416978557904564}],"sentiment":"neutral","sentiment_score":0.06843200698494911,"num_words":20,"start":152.62999,"end":176.3675},{"sentences":[{"text":"Yeah.","start":184.97499,"end":185.375,"sentiment":"neutral","sentiment_score":0.13420134782791138},{"text":"Yeah.","start":185.375,"end":185.775,"sentiment":"neutral","sentiment_score":0.19638045132160187},{"text":"I'm getting there quite well.","start":185.775,"end":186.89499,"sentiment":"neutral","sentiment_score":0.3146889925003052},{"text":"Good.","start":186.89499,"end":187.39499,"sentiment":"neutral","sentiment_score":0.32182765007019043},{"text":"I probably to change the bank account that I get it put into, do I just contact Hub twenty four and just say I just want it paid into that account rather than that account?","start":187.61499,"end":198.0,"sentiment":"neutral","sentiment_score":0.05732691011258534}],"sentiment":"neutral","sentiment_score":0.09842549455027248,"num_words":43,"start":184.97499,"end":198.0},{"sentences":[{"text":"Yes.","start":204.48,"end":204.98,"sentiment":"neutral","sentiment_score":0.031197287142276764},{"text":"No.","start":206.88,"end":207.2,"sentiment":"neutral","sentiment_score":-0.13766038417816162},{"text":"No.","start":207.2,"end":207.36,"sentiment":"neutral","sentiment_score":-0.1774079203605652},{"text":"No.","start":207.36,"end":207.84,"sentiment":"neutral","sentiment_score":-0.2026320844888687},{"text":"I've actually gone and opened another account so that it doesn't just get swallowed up in whatever else I'm doing.","start":207.84,"end":214.145,"sentiment":"neutral","sentiment_score":-0.11984614990651607}],"sentiment":"neutral","sentiment_score":-0.12014275416731834,"num_words":24,"start":204.48,"end":214.145},{"sentences":[{"text":"And so I just sort of said, oh, well, I'll put it to the side there, and then I know exactly where I'm up to then.","start":215.245,"end":223.105,"sentiment":"neutral","sentiment_score":0.0012822726813073342},{"text":"I'm one of them I'm one of them old fashioned people that you have an account for this, an account for that, an account for that, you know.","start":223.485,"end":229.79001,"sentiment":"neutral","sentiment_score":-0.027631922824574367},{"text":"The only way I'd be correct.","start":231.21,"end":232.91,"sentiment":"neutral","sentiment_score":-0.022745255070428055},{"text":"Mhmm.","start":240.33,"end":240.83,"sentiment":"neutral","sentiment_score":0.08874733746051788},{"text":"Get rid of you.","start":249.075,"end":249.875,"sentiment":"neutral","sentiment_score":-0.0749428179115057}],"sentiment":"neutral","sentiment_score":-0.01673615713818715,"num_words":65,"start":215.245,"end":249.875},{"sentences":[{"text":"Yep.","start":249.875,"end":250.275,"sentiment":"neutral","sentiment_score":0.061475932598114014},{"text":"That'll be fine.","start":250.275,"end":251.25499,"sentiment":"neutral","sentiment_score":0.14070871969064078},{"text":"Yes.","start":256.66,"end":257.16,"sentiment":"neutral","sentiment_score":0.1390836238861084},{"text":"Mhmm.","start":267.3,"end":267.8,"sentiment":"neutral","sentiment_score":-0.0029045455157756805},{"text":"Okay.","start":296.585,"end":297.085,"sentiment":"neutral","sentiment_score":0.2043461948633194}],"sentiment":"neutral","sentiment_score":0.11773248070052691,"num_words":7,"start":249.875,"end":297.085},{"sentences":[{"text":"Yes.","start":323.93002,"end":324.43002,"sentiment":"neutral","sentiment_score":0.0712156742811203},{"text":"Yep.","start":339.01498,"end":339.33,"sentiment":"positive","sentiment_score":0.3521091341972351},{"text":"Hello.","start":345.40997,"end":345.90997,"sentiment":"neutral","sentiment_score":-0.0734470784664154},{"text":"Yes.","start":384.495,"end":384.995,"sentiment":"neutral","sentiment_score":-0.12371665984392166},{"text":"Mhmm.","start":416.7,"end":417.2,"sentiment":"neutral","sentiment_score":-0.04177398607134819}],"sentiment":"neutral","sentiment_score":0.03687741681933403,"num_words":5,"start":323.93002,"end":417.2},{"sentences":[{"text":"Yes.","start":423.435,"end":423.935,"sentiment":"neutral","sentiment_score":-0.017486289143562317},{"text":"It's pretty well sounds like the whole world's way, isn't it?","start":437.51498,"end":441.7,"sentiment":"neutral","sentiment_score":-0.04101194538684054},{"text":"Just hold on and wait.","start":441.7,"end":443.16,"sentiment":"neutral","sentiment_score":-0.026822969689965247},{"text":"Oh my god.","start":448.18,"end":449.22,"sentiment":"neutral","sentiment_score":-0.09292203684647878},{"text":"How many years have we got of him?","start":449.22,"end":451.32,"sentiment":"neutral","sentiment_score":-0.05845579644665122}],"sentiment":"neutral","sentiment_score":-0.048183750677188594,"num_words":28,"start":423.435,"end":451.32},{"sentences":[{"text":"Oh, right.","start":456.38498,"end":457.365,"sentiment":"neutral","sentiment_score":-0.2105913609266281},{"text":"Yes.","start":475.2,"end":475.7,"sentiment":"neutral","sentiment_score":0.010675981640815737},{"text":"Yes.","start":497.31,"end":497.81,"sentiment":"neutral","sentiment_score":-0.024716230109333992},{"text":"Yes.","start":497.87,"end":498.37,"sentiment":"neutral","sentiment_score":-0.045664526522159576},{"text":"Nothing surprises us anymore.","start":499.79,"end":501.57,"sentiment":"neutral","sentiment_score":-0.19107844680547714}],"sentiment":"neutral","sentiment_score":-0.13835569822953808,"num_words":9,"start":456.38498,"end":501.57},{"sentences":[{"text":"Yeah.","start":523.74,"end":524.22,"sentiment":"neutral","sentiment_score":0.019883135333657265},{"text":"Probably one of them, wouldn't it?","start":524.22,"end":526.16,"sentiment":"neutral","sentiment_score":-0.03033927734941244},{"text":"All good.","start":538.635,"end":539.375,"sentiment":"neutral","sentiment_score":0.07925580441951752},{"text":"And he's rejecting his insurance.","start":552.49,"end":554.09,"sentiment":"negative","sentiment_score":-0.38490297794342043},{"text":"How much is the pay to hold that to?","start":554.09,"end":556.11005,"sentiment":"neutral","sentiment_score":0.011804506389631165}],"sentiment":"neutral","sentiment_score":-0.0792137066145306,"num_words":23,"start":523.74,"end":556.11005},{"sentences":[{"text":"Bloody nuts.","start":563.965,"end":564.605,"sentiment":"negative","sentiment_score":-0.4849832355976105},{"text":"When he was telling me, I was like, yeah.","start":564.605,"end":566.785,"sentiment":"neutral","sentiment_score":-0.3307332462734646},{"text":"Yeah.","start":567.805,"end":568.305,"sentiment":"neutral","sentiment_score":-0.023594491183757785},{"text":"Yes.","start":580.64496,"end":581.14496,"sentiment":"neutral","sentiment_score":-0.040966637432575226},{"text":"Yes.","start":591.605,"end":592.08496,"sentiment":"neutral","sentiment_score":0.02958504855632782}],"sentiment":"neutral","sentiment_score":-0.284395840551172,"num_words":14,"start":563.965,"end":592.08496},{"sentences":[{"text":"No.","start":592.08496,"end":592.325,"sentiment":"neutral","sentiment_score":-0.01943705417215824},{"text":"That's right.","start":592.325,"end":593.14496,"sentiment":"neutral","sentiment_score":0.08343816176056862},{"text":"Just so you know, both of us will be away the week of the I think it's the seventeenth, seventeenth, eighteenth.","start":603.99,"end":611.135,"sentiment":"neutral","sentiment_score":-0.08646031974681787},{"text":"Yeah.","start":612.875,"end":613.195,"sentiment":"neutral","sentiment_score":-0.02994893863797188},{"text":"The eighteenth will be away that week.","start":613.195,"end":615.835,"sentiment":"neutral","sentiment_score":-0.08089360435094152}],"sentiment":"neutral","sentiment_score":-0.0707634879508987,"num_words":32,"start":592.08496,"end":615.835},{"sentences":[{"text":"So oh, no.","start":615.835,"end":621.85504,"sentiment":"neutral","sentiment_score":-0.039099796364704766},{"text":"We've got Colin, as you know, is deaf as opposed.","start":623.97003,"end":627.83,"sentiment":"neutral","sentiment_score":-0.13657862842082977},{"text":"Anyway, we went to the to Toowoomba here a few a month ago, and we've got to go back and have some tests and just check that there's nothing physical causing, like, you know, an MRI just to check there's nothing wrong there.","start":628.45,"end":646.27496,"sentiment":"neutral","sentiment_score":-0.044316781841781595},{"text":"And then another hearing test and then just trying to work it because one ear has gone quite bad quite quickly, and they're just trying to figure that out.","start":646.415,"end":655.98,"sentiment":"neutral","sentiment_score":-0.12968292793837086},{"text":"So while we were you know, that was we were gonna come back on the Tuesday, but Colin's brother has had liver failure, and he was put on the list for a liver reply you know, replacement type of thing, you know.","start":655.98,"end":669.515,"sentiment":"neutral","sentiment_score":-0.12087112115252585}],"sentiment":"neutral","sentiment_score":-0.09626849835525876,"num_words":127,"start":615.835,"end":669.515},{"sentences":[{"text":"And, anyway, we thought, yeah.","start":669.515,"end":672.39496,"sentiment":"neutral","sentiment_score":-0.040568695217370984},{"text":"We thought, oh, that'll be a couple of years.","start":672.39496,"end":674.15497,"sentiment":"neutral","sentiment_score":-0.09283629225360022},{"text":"Anyway, two weeks.","start":674.15497,"end":675.535,"sentiment":"neutral","sentiment_score":-0.041583988815546036},{"text":"And then he he had these turns, poor bugger, where he sort of passes out, and he passed out at home.","start":675.595,"end":682.86005,"sentiment":"neutral","sentiment_score":-0.11940871941901389},{"text":"That's where he remembers Nick, and they took him to the local hospital.","start":682.86005,"end":686.56,"sentiment":"neutral","sentiment_score":-0.006570009657969842}],"sentiment":"neutral","sentiment_score":-0.0736493197287999,"num_words":51,"start":669.515,"end":686.56},{"sentences":[{"text":"And while he was there while he was there, like, their local was Tweed.","start":686.62,"end":690.08,"sentiment":"neutral","sentiment_score":-0.003876008392710771},{"text":"While he was there, they still got the same available.","start":690.14,"end":692.08,"sentiment":"neutral","sentiment_score":0.0016051756218075752},{"text":"So he's woken up at the other end in Brisbane with a new liver.","start":692.30005,"end":696.825,"sentiment":"neutral","sentiment_score":-0.00438869112570371},{"text":"They've all woken out of him, but so far so good.","start":696.825,"end":700.205,"sentiment":"neutral","sentiment_score":0.28555036132985895},{"text":"So we thought while we're at Toowoomba, we'll keep going and go to Brisbane and spend a couple of days and visit him.","start":700.265,"end":706.025,"sentiment":"neutral","sentiment_score":0.0927895014376744}],"sentiment":"neutral","sentiment_score":0.07188275653687823,"num_words":72,"start":686.62,"end":706.025},{"sentences":[{"text":"So that's, you know, that's I don't know if you'd call it a holiday.","start":706.025,"end":711.08,"sentiment":"neutral","sentiment_score":0.009888351761869021},{"text":"But, yeah, we just thought seeing we're halfway there.","start":714.18,"end":716.68,"sentiment":"neutral","sentiment_score":0.05111767268843121},{"text":"Brisbane, we might as well keep going and catch up with it.","start":717.06,"end":720.6,"sentiment":"neutral","sentiment_score":0.10941739132006963},{"text":"Yeah.","start":721.525,"end":722.025,"sentiment":"neutral","sentiment_score":0.06431188434362411},{"text":"But, yeah, like, amazing thing because we thought two years or more, you know, probably be on it.","start":722.645,"end":727.525,"sentiment":"neutral","sentiment_score":0.13247316827376684}],"sentiment":"neutral","sentiment_score":0.08074691829582055,"num_words":54,"start":706.025,"end":727.525},{"sentences":[{"text":"You know?","start":727.525,"end":728.185,"sentiment":"neutral","sentiment_score":0.07664354145526886},{"text":"And, yeah, this one came up all so quickly, and he's had it, and so far, so good.","start":728.405,"end":735.305,"sentiment":"neutral","sentiment_score":0.3124503849281205},{"text":"So yeah.","start":735.39,"end":737.85,"sentiment":"neutral","sentiment_score":0.0491378465667367},{"text":"So but I just thought you poor bugger, you go to bed in your own go to sleep in your own bed, next thing you wake up in breath with with all these things and you go, Jesus.","start":737.85,"end":747.33,"sentiment":"neutral","sentiment_score":-0.0003519749366923382},{"text":"Anyway but, yeah, that's all weird.","start":749.145,"end":751.545,"sentiment":"neutral","sentiment_score":-0.10573697400589784}],"sentiment":"neutral","sentiment_score":0.07921019413818915,"num_words":66,"start":727.525,"end":751.545},{"sentences":[{"text":"We're just going to be away that week.","start":751.545,"end":753.225,"sentiment":"neutral","sentiment_score":-0.16760334931313992},{"text":"So just so that, you know, you can do it you can do it the week after or something.","start":753.225,"end":758.205,"sentiment":"neutral","sentiment_score":-0.028362722087063287},{"text":"Lexi.","start":776.85504,"end":777.35504,"sentiment":"positive","sentiment_score":0.41971373558044434},{"text":"Yes.","start":788.31,"end":788.79,"sentiment":"neutral","sentiment_score":0.24227024614810944},{"text":"Yes.","start":788.79,"end":789.29,"sentiment":"positive","sentiment_score":0.4072040319442749}],"sentiment":"neutral","sentiment_score":-0.027017683349549772,"num_words":30,"start":751.545,"end":789.29},{"sentences":[{"text":"That's good.","start":808.725,"end":809.34,"sentiment":"positive","sentiment_score":0.49881964921951294},{"text":"Yes.","start":834.155,"end":834.655,"sentiment":"neutral","sentiment_score":0.03003307245671749},{"text":"Yes.","start":846.08997,"end":846.58997,"sentiment":"neutral","sentiment_score":-0.0006844587624073029},{"text":"Yeah.","start":851.63495,"end":852.13495,"sentiment":"neutral","sentiment_score":-0.04675421491265297},{"text":"Yeah.","start":866.035,"end":866.535,"sentiment":"neutral","sentiment_score":-0.007069529965519905}],"sentiment":"neutral","sentiment_score":0.16219402787586054,"num_words":6,"start":808.725,"end":866.535},{"sentences":[{"text":"Yeah.","start":866.595,"end":867.095,"sentiment":"neutral","sentiment_score":-0.013558264821767809},{"text":"It's just like, you know, we it's just like guys, like, we said, oh, yes.","start":867.23004,"end":871.31,"sentiment":"neutral","sentiment_score":-0.035609662408630054},{"text":"We've got money here.","start":871.31,"end":871.95,"sentiment":"neutral","sentiment_score":0.034585144836455584},{"text":"We can afford to get our kitchen done.","start":871.95,"end":873.81,"sentiment":"neutral","sentiment_score":-0.0012471741065382953},{"text":"So I'm putting all my savings into getting my kitchen done because my kitchen's a 1960 kitchen.","start":874.27,"end":879.855,"sentiment":"neutral","sentiment_score":0.006601422148592332}],"sentiment":"neutral","sentiment_score":-0.006824796398480733,"num_words":45,"start":866.595,"end":879.855},{"sentences":[{"text":"Anyway, so as soon as that happens, talk about financial hemorrhage, you know, you sort of got this insurance and and, like, it's house insurance here.","start":880.33496,"end":888.495,"sentiment":"neutral","sentiment_score":-0.11728644865350081},{"text":"It's so hard to get.","start":888.495,"end":890.035,"sentiment":"neutral","sentiment_score":-0.22045848071575164},{"text":"And not a matter of what you can afford, it's what you can get.","start":890.65497,"end":894.755,"sentiment":"neutral","sentiment_score":0.1497316493519715},{"text":"There's a lot of places that say, maybe we won't touch it.","start":895.75,"end":898.39,"sentiment":"neutral","sentiment_score":-0.012550975661724806},{"text":"But so that sort of thing, Saska.","start":898.39,"end":900.89,"sentiment":"neutral","sentiment_score":0.028821325727871487}],"sentiment":"neutral","sentiment_score":-0.0313181157107465,"num_words":64,"start":880.33496,"end":900.89},{"sentences":[{"text":"It's just typical.","start":901.19,"end":902.07,"sentiment":"neutral","sentiment_score":0.054250662525494896},{"text":"One minute you think you're doing well, and the next thing, where am I?","start":902.07,"end":904.81,"sentiment":"neutral","sentiment_score":0.1203938786472593},{"text":"But anyway.","start":904.87006,"end":906.49005,"sentiment":"neutral","sentiment_score":0.011330005712807178},{"text":"Yeah.","start":914.805,"end":915.125,"sentiment":"neutral","sentiment_score":0.027850760146975517},{"text":"Well, that's right.","start":915.125,"end":915.76495,"sentiment":"neutral","sentiment_score":0.09293580676118533}],"sentiment":"neutral","sentiment_score":0.09467758610844612,"num_words":23,"start":901.19,"end":915.76495},{"sentences":[{"text":"And the thing is we want that's our problem is, like, oh, yes.","start":915.76495,"end":919.925,"sentiment":"neutral","sentiment_score":0.03821095594993004},{"text":"We can show you a place for $18,000.","start":919.925,"end":922.40497,"sentiment":"neutral","sentiment_score":0.07157419761642814},{"text":"You're kidding me.","start":922.40497,"end":923.55,"sentiment":"neutral","sentiment_score":-0.037300582975149155},{"text":"But, you know, we sort of we found one insurance that, you know well, there's a couple out there that 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pieces.","start":1023.17,"end":1024.965,"sentiment":"neutral","sentiment_score":0.0731694707646966},{"text":"So we've emptied the cupboards that we've got.","start":1024.965,"end":1027.685,"sentiment":"neutral","sentiment_score":0.08980560395866632},{"text":"So they are all the sort of ones that are in buckets under a little fold up table that we're using.","start":1027.685,"end":1032.825,"sentiment":"neutral","sentiment_score":0.06635605703507151}],"sentiment":"neutral","sentiment_score":0.09112247556709406,"num_words":57,"start":1007.915,"end":1032.825},{"sentences":[{"text":"And and then he's we've got, like, the old houses where, you know, had they had on the wall, they'd have a strip, strip and then they put a little piece of wood across it where the two pieces would meet.","start":1033.365,"end":1044.24,"sentiment":"neutral","sentiment_score":0.01371850399300456},{"text":"We've got 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be able to come and do it.","start":1060.445,"end":1066.365,"sentiment":"neutral","sentiment_score":0.1296454651488198},{"text":"And then we've just got the wooden cupboards that are attached to the wall across one wall.","start":1066.365,"end":1070.49,"sentiment":"neutral","sentiment_score":0.05334780354271917},{"text":"So, of course, the grandkids and the children who are in their thirties can't wait to come and play demolition.","start":1070.9501,"end":1077.61,"sentiment":"neutral","sentiment_score":0.043443746957927944}],"sentiment":"neutral","sentiment_score":0.07666997744204247,"num_words":73,"start":1055.005,"end":1077.61},{"sentences":[{"text":"Yeah.","start":1085.965,"end":1086.465,"sentiment":"neutral","sentiment_score":-0.007741101086139679},{"text":"That's right.","start":1087.005,"end":1087.565,"sentiment":"neutral","sentiment_score":-0.03281744197010994},{"text":"Wack a cop.","start":1087.565,"end":1088.205,"sentiment":"negative","sentiment_score":-0.3336407244205475},{"text":"And it'll be interesting to to see I think they're like a they're attached to the wall, but they'll be interesting to see what if if anything is behind it.","start":1088.205,"end":1097.52,"sentiment":"neutral","sentiment_score":-0.04677657932043076},{"text":"Because when we first moved in here, when we moved in with dad, we took up the lino that was in the kitchen.","start":1097.52,"end":1104.74,"sentiment":"neutral","sentiment_score":0.027913040967415207}],"sentiment":"neutral","sentiment_score":-0.031111789756786017,"num_words":59,"start":1085.965,"end":1104.74},{"sentences":[{"text":"And underneath was all this newspaper.","start":1105.2,"end":1107.62,"sentiment":"neutral","sentiment_score":0.0032975359354168177},{"text":"And there was all these pictures of women with these beehive hacks, and there was an advertisement for the brand new corona that was 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then there's just maintenance.","start":1227.35,"end":1229.21,"sentiment":"neutral","sentiment_score":-0.11209060996770859},{"text":"It's what it could be done.","start":1230.71,"end":1231.75,"sentiment":"neutral","sentiment_score":0.024430565536022186}],"sentiment":"neutral","sentiment_score":-0.07732426506382498,"num_words":44,"start":1218.935,"end":1231.75},{"sentences":[{"text":"You know, it's a problem with an old house is they do want maintenance.","start":1231.75,"end":1234.65,"sentiment":"neutral","sentiment_score":-0.15194182443831647},{"text":"And so, you know, there's a lot of paying you to do.","start":1235.35,"end":1238.87,"sentiment":"neutral","sentiment_score":-0.07353421207517385},{"text":"We had our eldest, Alicia's son, for us with us for a weekend here a while back.","start":1238.87,"end":1244.2849,"sentiment":"neutral","sentiment_score":0.04552517436883029},{"text":"And she said, oh, thank you, mom, for taking anything, you know, because being, you know, a single mom, she sort of needs that pulling out every now and again.","start":1244.345,"end":1252.5249,"sentiment":"neutral","sentiment_score":0.16192600571860868},{"text":"Anyhow, well, I said, that's alright, darling.","start":1252.985,"end":1254.9049,"sentiment":"neutral","sentiment_score":0.15181152203253337}],"sentiment":"neutral","sentiment_score":0.04605990878771991,"num_words":80,"start":1231.75,"end":1254.9049},{"sentences":[{"text":"I'll get the pound flesh out of you later.","start":1254.9049,"end":1256.64,"sentiment":"neutral","sentiment_score":0.07807872485783365},{"text":"I've got a kitchen that's gonna need to be painted.","start":1256.64,"end":1258.66,"sentiment":"neutral","sentiment_score":-0.021407668991014362},{"text":"That's right.","start":1262.7201,"end":1263.4401,"sentiment":"neutral","sentiment_score":0.0013003014028072357},{"text":"Yeah.","start":1263.4401,"end":1263.9401,"sentiment":"neutral","sentiment_score":-0.038984399288892746},{"text":"I still still tell them that I they still owe me for all the amount of times.","start":1264.0801,"end":1268.0,"sentiment":"neutral","sentiment_score":-0.17486255309161017}],"sentiment":"neutral","sentiment_score":-0.06462603500590493,"num_words":39,"start":1254.9049,"end":1268.0},{"sentences":[{"text":"I've had to go and pick them up when they were teenagers.","start":1268.0,"end":1269.9401,"sentiment":"neutral","sentiment_score":-0.13896363352735838},{"text":"But, anyway, yeah, so that's probably our only thing that we're sort of looking at at present is doing that.","start":1276.3451,"end":1283.385,"sentiment":"neutral","sentiment_score":0.031622626818716526},{"text":"And then next year, our car comes due, the lease on it comes due.","start":1283.385,"end":1287.3201,"sentiment":"neutral","sentiment_score":0.025112667120993137},{"text":"So we, you know, we'll just swap that over, and that'll probably be the last one until we retire.","start":1287.9401,"end":1293.24,"sentiment":"neutral","sentiment_score":0.02521270533141337},{"text":"And then but, yeah, that because there's nothing, you know, nothing brand other than just keeping afloat, really.","start":1293.46,"end":1301.755,"sentiment":"neutral","sentiment_score":-0.044164884421560496}],"sentiment":"neutral","sentiment_score":-0.012041689693389169,"num_words":83,"start":1268.0,"end":1301.755},{"sentences":[{"text":"Yeah.","start":1308.695,"end":1309.1749,"sentiment":"neutral","sentiment_score":0.009752681478857994},{"text":"I am.","start":1309.1749,"end":1309.735,"sentiment":"neutral","sentiment_score":0.016882093623280525},{"text":"Colin would like to do it at 65, but see how financial we are at that time.","start":1309.735,"end":1325.7,"sentiment":"neutral","sentiment_score":0.023807113880620283},{"text":"Random question.","start":1328.115,"end":1329.175,"sentiment":"neutral","sentiment_score":0.05492652766406537},{"text":"With the super, we can only get so much until what age?","start":1330.995,"end":1336.295,"sentiment":"neutral","sentiment_score":0.049366827898969255}],"sentiment":"neutral","sentiment_score":0.03383802337681546,"num_words":34,"start":1308.695,"end":1336.295},{"sentences":[{"text":"60 five.","start":1345.64,"end":1346.4401,"sentiment":"neutral","sentiment_score":0.014405525755137205},{"text":"Yes.","start":1346.4401,"end":1346.9401,"sentiment":"neutral","sentiment_score":0.04170897975564003},{"text":"Yep.","start":1355.8,"end":1356.12,"sentiment":"neutral","sentiment_score":0.028290577232837677},{"text":"No.","start":1356.12,"end":1356.28,"sentiment":"neutral","sentiment_score":7.361173629760742e-6},{"text":"That's fine.","start":1356.28,"end":1357.045,"sentiment":"neutral","sentiment_score":0.03578472416847944}],"sentiment":"neutral","sentiment_score":0.02434105971562011,"num_words":7,"start":1345.64,"end":1357.045},{"sentences":[{"text":"I I knew there was an age, but I couldn't remember what it was.","start":1357.045,"end":1359.525,"sentiment":"neutral","sentiment_score":-0.03887420653232506},{"text":"Was it 65 or 67 or what it is?","start":1359.525,"end":1362.245,"sentiment":"neutral","sentiment_score":-0.022314541248811617},{"text":"Yeah.","start":1362.245,"end":1362.5651,"sentiment":"neutral","sentiment_score":-0.017060935497283936},{"text":"No.","start":1362.5651,"end":1362.725,"sentiment":"neutral","sentiment_score":-0.04365156218409538},{"text":"That's fine.","start":1362.725,"end":1363.545,"sentiment":"neutral","sentiment_score":0.02014021249487996}],"sentiment":"neutral","sentiment_score":-0.028351919829017587,"num_words":27,"start":1357.045,"end":1363.545},{"sentences":[{"text":"Mhmm.","start":1371.125,"end":1371.625,"sentiment":"neutral","sentiment_score":-0.02811194770038128},{"text":"Yeah.","start":1375.42,"end":1375.74,"sentiment":"neutral","sentiment_score":-0.009497784078121184},{"text":"No.","start":1375.74,"end":1375.98,"sentiment":"neutral","sentiment_score":-0.07230046391487122},{"text":"That's fine.","start":1375.98,"end":1376.8,"sentiment":"neutral","sentiment_score":-0.048954278230667114},{"text":"Yeah.","start":1382.14,"end":1382.54,"sentiment":"neutral","sentiment_score":-0.0360163114964962}],"sentiment":"neutral","sentiment_score":-0.04063917727520069,"num_words":6,"start":1371.125,"end":1382.54},{"sentences":[{"text":"No.","start":1382.54,"end":1382.78,"sentiment":"neutral","sentiment_score":-0.1174384504556656},{"text":"No.","start":1382.78,"end":1382.9401,"sentiment":"neutral","sentiment_score":-0.138276606798172},{"text":"That is just you know, when we get to our age, we start talking about these things.","start":1382.9401,"end":1386.8151,"sentiment":"neutral","sentiment_score":-0.12165265574174769},{"text":"And and a couple of times I've noticed calls.","start":1387.1951,"end":1391.755,"sentiment":"neutral","sentiment_score":-0.012061057612299919},{"text":"So, oh, we're doing this.","start":1391.755,"end":1392.635,"sentiment":"neutral","sentiment_score":-0.018579145334661006}],"sentiment":"neutral","sentiment_score":-0.07652289242568341,"num_words":33,"start":1382.54,"end":1392.635},{"sentences":[{"text":"No.","start":1392.635,"end":1392.875,"sentiment":"neutral","sentiment_score":-0.08536180853843689},{"text":"I don't think that's what she said.","start":1392.875,"end":1394.495,"sentiment":"neutral","sentiment_score":-0.0868465495961053},{"text":"And then we're gonna no.","start":1396.235,"end":1397.5951,"sentiment":"neutral","sentiment_score":-0.0246693454682827},{"text":"He's heard heard wrong, which but yeah.","start":1397.5951,"end":1403.5,"sentiment":"neutral","sentiment_score":-0.030541994608938694},{"text":"So yeah.","start":1403.5,"end":1403.9801,"sentiment":"neutral","sentiment_score":-0.0021712463349103928}],"sentiment":"neutral","sentiment_score":-0.04703503809022633,"num_words":22,"start":1392.635,"end":1403.9801},{"sentences":[{"text":"No.","start":1403.9801,"end":1404.2201,"sentiment":"neutral","sentiment_score":-0.03849972784519195},{"text":"All all seems to be plodding along quite well.","start":1404.2201,"end":1406.4601,"sentiment":"neutral","sentiment_score":-0.04690903921922048},{"text":"That sounds good.","start":1406.4601,"end":1407.4401,"sentiment":"neutral","sentiment_score":0.2704477210839589},{"text":"Maybe not for me.","start":1416.475,"end":1417.695,"sentiment":"neutral","sentiment_score":-0.06515832245349884},{"text":"No.","start":1419.5149,"end":1419.7549,"sentiment":"neutral","sentiment_score":-0.20420391857624057}],"sentiment":"neutral","sentiment_score":-0.0063430625531408534,"num_words":18,"start":1403.9801,"end":1419.7549},{"sentences":[{"text":"And I think things are gonna get a bit tough around here because it's very, very dry.","start":1419.7549,"end":1424.76,"sentiment":"neutral","sentiment_score":-0.25602537218262167},{"text":"Well, you know, it's start it's starting to get concerning.","start":1425.14,"end":1428.2001,"sentiment":"neutral","sentiment_score":-0.17115411087870597},{"text":"There's no there's no talk of rain, so people aren't you know, there's and then with the cost of fuel, you know, the lobby around a lot of people thinking, well, do we waste money planting or don't we?","start":1428.5,"end":1441.685,"sentiment":"neutral","sentiment_score":-0.16091602715926293},{"text":"You know?","start":1441.685,"end":1442.245,"sentiment":"neutral","sentiment_score":-0.06723318621516228},{"text":"People like that sort of but yeah.","start":1442.245,"end":1445.765,"sentiment":"neutral","sentiment_score":-0.03378629631229809}],"sentiment":"neutral","sentiment_score":-0.16947557255625725,"num_words":75,"start":1419.7549,"end":1445.765},{"sentences":[{"text":"So I don't think there's gonna be any pay raises for me for a while.","start":1445.765,"end":1448.5851,"sentiment":"neutral","sentiment_score":-0.2285778671503067},{"text":"Yes.","start":1453.76,"end":1454.0,"sentiment":"neutral","sentiment_score":0.05457942187786102},{"text":"No worries.","start":1454.0,"end":1454.8201,"sentiment":"neutral","sentiment_score":0.061100367456674576},{"text":"Yes.","start":1455.3601,"end":1455.52,"sentiment":"neutral","sentiment_score":0.13125565648078918},{"text":"It is.","start":1455.52,"end":1456.18,"sentiment":"neutral","sentiment_score":0.2284151166677475}],"sentiment":"neutral","sentiment_score":-0.12684771241176696,"num_words":21,"start":1445.765,"end":1456.18},{"sentences":[{"text":"So, hopefully, we will be a bit better off in probably a couple of months because Colin will sign or go back to work full time.","start":1456.56,"end":1463.745,"sentiment":"neutral","sentiment_score":-0.040892114791159444},{"text":"That will make a great difference.","start":1464.305,"end":1466.325,"sentiment":"positive","sentiment_score":0.537779966990153},{"text":"Yes.","start":1491.63,"end":1491.975,"sentiment":"neutral","sentiment_score":0.0148877315223217},{"text":"Yes.","start":1494.455,"end":1494.955,"sentiment":"neutral","sentiment_score":0.03714478760957718},{"text":"Yeah.","start":1495.015,"end":1495.335,"sentiment":"neutral","sentiment_score":0.052142031490802765}],"sentiment":"neutral","sentiment_score":0.0647902676569564,"num_words":35,"start":1456.56,"end":1495.335},{"sentences":[{"text":"No worries.","start":1495.335,"end":1496.075,"sentiment":"neutral","sentiment_score":0.1122741587460041},{"text":"Bye.","start":1496.135,"end":1496.635,"sentiment":"neutral","sentiment_score":0.2436865270137787},{"text":"Oh, I think that'll 500,000.","start":1509.83,"end":1511.59,"sentiment":"neutral","sentiment_score":-0.026803530380129816},{"text":"It's hard to say.","start":1511.59,"end":1512.63,"sentiment":"neutral","sentiment_score":-0.0742485299706459},{"text":"Because one minute you stay around here and you think, oh, jeez.","start":1512.63,"end":1515.99,"sentiment":"neutral","sentiment_score":-0.056738698234160743}],"sentiment":"neutral","sentiment_score":-0.02681838775364061,"num_words":24,"start":1495.335,"end":1515.99},{"sentences":[{"text":"They got that much money for that house?","start":1515.99,"end":1518.135,"sentiment":"neutral","sentiment_score":-0.09116336051374674},{"text":"And then then another one, you can see that's going cheap.","start":1518.935,"end":1522.855,"sentiment":"neutral","sentiment_score":-0.04585913094607266},{"text":"Like, around the corner from it, there's a little house that they had all done up.","start":1522.855,"end":1527.415,"sentiment":"neutral","sentiment_score":-0.01996714749839157},{"text":"It's a little about the same age as this place, and they had done it up.","start":1527.415,"end":1530.775,"sentiment":"neutral","sentiment_score":-0.011482220841571689},{"text":"That was not a three bedroom with the board.","start":1530.775,"end":1532.88,"sentiment":"neutral","sentiment_score":-0.04192615010672145}],"sentiment":"neutral","sentiment_score":-0.035238042815277974,"num_words":60,"start":1515.99,"end":1532.88},{"sentences":[{"text":"But it's still in flood zone.","start":1533.2,"end":1534.64,"sentiment":"neutral","sentiment_score":-0.07581590364376704},{"text":"Like, it's still the flood actually went through it.","start":1534.64,"end":1537.46,"sentiment":"neutral","sentiment_score":-0.05198921966883871},{"text":"And they got 650,000 for that.","start":1538.88,"end":1541.46,"sentiment":"neutral","sentiment_score":0.026601115552087624},{"text":"And then they went down to Greenbough, which is sort of down the road a bit, which is a really nice area into one of the best streets in the town, and they bought a place then for 600.","start":1542.24,"end":1554.505,"sentiment":"neutral","sentiment_score":0.1899660688896592},{"text":"How does that work?","start":1554.505,"end":1555.565,"sentiment":"neutral","sentiment_score":0.04164607264101505}],"sentiment":"neutral","sentiment_score":0.10643858237017412,"num_words":64,"start":1533.2,"end":1555.565},{"sentences":[{"text":"So I'd say four so it's a 450 to 500, I suppose.","start":1559.1449,"end":1567.17,"sentiment":"neutral","sentiment_score":-0.0020019173001249633},{"text":"I can tell you exactly what I've got going to the day.","start":1579.5851,"end":1582.885,"sentiment":"neutral","sentiment_score":-0.013680094154551625},{"text":"We have paid a bit of it off.","start":1586.865,"end":1588.41,"sentiment":"neutral","sentiment_score":-0.019631976261734962},{"text":"Because how we actually got a letter the other day saying your interest rates your payments are going down.","start":1589.13,"end":1594.67,"sentiment":"neutral","sentiment_score":0.047720523747174365},{"text":"That'll probably change that'll probably change next week.","start":1594.89,"end":1599.05,"sentiment":"neutral","sentiment_score":0.0606881957501173}],"sentiment":"neutral","sentiment_score":0.01774500965503818,"num_words":59,"start":1559.1449,"end":1599.05},{"sentences":[{"text":"But anyway, it was under 52,227.","start":1599.05,"end":1603.365,"sentiment":"neutral","sentiment_score":0.029799916471044224},{"text":"Oh, yeah.","start":1609.025,"end":1609.425,"sentiment":"neutral","sentiment_score":0.03162156231701374},{"text":"We we did a lot of work here to place here with major repairs here a while back, and that would have been paid off by now if we hadn't had to do that.","start":1609.425,"end":1618.1,"sentiment":"neutral","sentiment_score":-0.049171270227388424},{"text":"Yeah.","start":1621.92,"end":1622.24,"sentiment":"neutral","sentiment_score":0.035425055772066116},{"text":"That's right.","start":1622.24,"end":1622.72,"sentiment":"neutral","sentiment_score":0.02145588118582964}],"sentiment":"neutral","sentiment_score":-0.03003208324727085,"num_words":45,"start":1599.05,"end":1622.72},{"sentences":[{"text":"It had to be done.","start":1622.72,"end":1623.9401,"sentiment":"neutral","sentiment_score":-0.019699298962950706},{"text":"Yeah.","start":1624.64,"end":1624.9601,"sentiment":"neutral","sentiment_score":0.022888069972395897},{"text":"So we're getting that one down.","start":1624.9601,"end":1634.085,"sentiment":"neutral","sentiment_score":0.07575696272154649},{"text":"Yeah.","start":1635.505,"end":1636.005,"sentiment":"neutral","sentiment_score":-0.04990173131227493},{"text":"Hang on.","start":1637.505,"end":1638.245,"sentiment":"neutral","sentiment_score":-0.07467968389391899}],"sentiment":"neutral","sentiment_score":0.01197815015912056,"num_words":15,"start":1622.72,"end":1638.245},{"sentences":[{"text":"It's about to be absolutely decimated.","start":1638.3049,"end":1640.485,"sentiment":"neutral","sentiment_score":-0.25354205320278805},{"text":"We've got hold on a minute.","start":1643.3201,"end":1651.42,"sentiment":"neutral","sentiment_score":-0.08347326517105103},{"text":"I think we've only got about 9,000 in that prison.","start":1652.52,"end":1664.5149,"sentiment":"neutral","sentiment_score":-0.033949948474764825},{"text":"I 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that.","start":1703.39,"end":1705.15,"sentiment":"neutral","sentiment_score":-0.19056950509548187}],"sentiment":"neutral","sentiment_score":-0.031394266730381384,"num_words":27,"start":1670.7999,"end":1705.15},{"sentences":[{"text":"I haven't been given any massive diamonds or anything like that.","start":1705.15,"end":1708.29,"sentiment":"neutral","sentiment_score":-0.24596937136216598},{"text":"That's right.","start":1727.5901,"end":1728.15,"sentiment":"neutral","sentiment_score":0.13083647191524506},{"text":"Yeah.","start":1728.15,"end":1728.39,"sentiment":"neutral","sentiment_score":0.0693167895078659},{"text":"Well, I'd pass out if I won the lotto.","start":1728.39,"end":1730.55,"sentiment":"neutral","sentiment_score":-0.09009352616137928},{"text":"And then I'd put myself to probably pay me.","start":1730.55,"end":1733.6101,"sentiment":"neutral","sentiment_score":-0.14453784955872429}],"sentiment":"neutral","sentiment_score":-0.14019861666020006,"num_words":32,"start":1705.15,"end":1733.6101},{"sentences":[{"text":"Well, we we had a friend, and I don't know if I told you this, but we had a friend oh, this is quite a few years ago now, but he used to work for a air spraying firm, and he often has to go down around Adelaide Way and work down there for the company.","start":1740.675,"end":1756.95,"sentiment":"neutral","sentiment_score":-0.047176735874797614},{"text":"And because he'd go away for five or six weeks, he always put in his lotto ticket lottery ticket.","start":1757.25,"end":1762.7899,"sentiment":"neutral","sentiment_score":-0.10320956338393061},{"text":"So he put in the lotto numbers or whatever it is.","start":1762.85,"end":1765.485,"sentiment":"neutral","sentiment_score":-0.08106577057730067},{"text":"So he went into the news agency, I'll put these in for me.","start":1765.645,"end":1768.445,"sentiment":"neutral","sentiment_score":-0.10197548797497383},{"text":"He said, you know you're gonna be doubled up one week.","start":1768.445,"end":1770.865,"sentiment":"neutral","sentiment_score":-0.2905961586670442}],"sentiment":"neutral","sentiment_score":-0.09106219526041638,"num_words":110,"start":1740.675,"end":1770.865},{"sentences":[{"text":"And the bloke said, alright.","start":1771.085,"end":1772.285,"sentiment":"neutral","sentiment_score":-0.3120779931545258},{"text":"Nothing I can do about it.","start":1772.285,"end":1774.125,"sentiment":"negative","sentiment_score":-0.3925456702709198},{"text":"Otherwise, I won't get them in, probably put them in.","start":1774.125,"end":1776.205,"sentiment":"neutral","sentiment_score":-0.26642912030220034},{"text":"Well, blow me down.","start":1776.205,"end":1777.005,"sentiment":"neutral","sentiment_score":-0.14628088474273682},{"text":"He won it, didn't he?","start":1777.005,"end":1778.3049,"sentiment":"neutral","sentiment_score":-0.009919852018356323}],"sentiment":"neutral","sentiment_score":-0.240489266316096,"num_words":30,"start":1771.085,"end":1778.3049},{"sentences":[{"text":"That week.","start":1779.005,"end":1779.69,"sentiment":"neutral","sentiment_score":-0.04137228801846504},{"text":"And because he had two tickets in, he had he'd got 70,000.","start":1779.7699,"end":1783.95,"sentiment":"neutral","sentiment_score":-0.046242100497086845},{"text":"And then because he had two tickets in it, he got a 140.","start":1784.57,"end":1787.6299,"sentiment":"neutral","sentiment_score":-0.04555273371247145},{"text":"And he's away, and his wife rang, and she said, I've got no one else to tell them.","start":1789.7699,"end":1795.5651,"sentiment":"neutral","sentiment_score":-0.20304820955627495},{"text":"He just and he told me, like, how how are you when you win the one one week you overlap, and that's when you win.","start":1799.145,"end":1806.925,"sentiment":"neutral","sentiment_score":0.24443821161985396}],"sentiment":"neutral","sentiment_score":0.01751788854598999,"num_words":70,"start":1779.005,"end":1806.925},{"sentences":[{"text":"Yeah.","start":1810.7899,"end":1811.11,"sentiment":"neutral","sentiment_score":0.009306173771619797},{"text":"So it can happen, but I'm not gonna I'm not gonna hold my breath.","start":1811.11,"end":1816.01,"sentiment":"neutral","sentiment_score":-0.1792888699897698},{"text":"Yeah.","start":1820.15,"end":1820.3099,"sentiment":"neutral","sentiment_score":0.03515025973320007},{"text":"Yeah.","start":1820.3099,"end":1820.8099,"sentiment":"neutral","sentiment_score":0.06610886752605438},{"text":"That's right.","start":1822.23,"end":1822.59,"sentiment":"neutral","sentiment_score":0.18014340102672577}],"sentiment":"neutral","sentiment_score":-0.10732589877749744,"num_words":19,"start":1810.7899,"end":1822.59},{"sentences":[{"text":"I don't keep time.","start":1822.59,"end":1823.565,"sentiment":"neutral","sentiment_score":-0.14337445423007011},{"text":"We keep saying it works, you know.","start":1825.085,"end":1826.845,"sentiment":"neutral","sentiment_score":-0.06333790187324796},{"text":"The the boss's wife said, oh, hey, Carrie.","start":1826.845,"end":1828.7649,"sentiment":"neutral","sentiment_score":-0.09460724238306284},{"text":"You're not you're gonna be working here for a while because my boss is 79.","start":1828.7649,"end":1833.0049,"sentiment":"neutral","sentiment_score":-0.14464554985364278},{"text":"He's still working.","start":1833.0049,"end":1834.065,"sentiment":"neutral","sentiment_score":-0.07876906171441078}],"sentiment":"neutral","sentiment_score":-0.11296517573095657,"num_words":37,"start":1822.59,"end":1834.065},{"sentences":[{"text":"And and anyway, she said not I said not four years.","start":1835.0049,"end":1839.76,"sentiment":"neutral","sentiment_score":-0.08170301365581426},{"text":"That's all you got for years, and you won't see me for that.","start":1839.76,"end":1842.4199,"sentiment":"neutral","sentiment_score":-0.1652273593040613},{"text":"And I said, okay.","start":1844.48,"end":1845.52,"sentiment":"neutral","sentiment_score":-0.07733734510838985},{"text":"So long ago, but four years, it's surprising how quick that will go.","start":1845.52,"end":1849.7,"sentiment":"neutral","sentiment_score":-0.11819074532160392},{"text":"Yeah.","start":1862.2151,"end":1862.4551,"sentiment":"neutral","sentiment_score":0.16184702515602112}],"sentiment":"neutral","sentiment_score":-0.11263502061012245,"num_words":42,"start":1835.0049,"end":1862.4551},{"sentences":[{"text":"That's right.","start":1862.4551,"end":1863.15,"sentiment":"neutral","sentiment_score":0.2238854393362999},{"text":"They're I want enough so I could you know, that not a huge amount.","start":1863.15,"end":1867.65,"sentiment":"neutral","sentiment_score":0.12816436908074788},{"text":"Just enough to do things.","start":1867.7101,"end":1868.75,"sentiment":"neutral","sentiment_score":0.18719821572303771},{"text":"I'd keep working.","start":1868.75,"end":1869.47,"sentiment":"neutral","sentiment_score":0.2703715960184733},{"text":"You know, it is a good place to work, but I'm just ready.","start":1869.47,"end":1872.27,"sentiment":"neutral","sentiment_score":0.31728677107737613}],"sentiment":"neutral","sentiment_score":0.21929475503998833,"num_words":37,"start":1862.4551,"end":1872.27},{"sentences":[{"text":"People keep saying, what are you gonna do?","start":1872.27,"end":1874.1901,"sentiment":"neutral","sentiment_score":-0.13059888780117035},{"text":"You're gonna get so bored.","start":1874.1901,"end":1875.23,"sentiment":"negative","sentiment_score":-0.3411532461643219},{"text":"I said, oh, no.","start":1875.23,"end":1876.03,"sentiment":"neutral","sentiment_score":-0.16584935411810875},{"text":"I'm not.","start":1876.03,"end":1876.6901,"sentiment":"neutral","sentiment_score":-0.18209101259708405},{"text":"I've got a list already.","start":1879.005,"end":1880.465,"sentiment":"neutral","sentiment_score":-0.008569758012890815}],"sentiment":"neutral","sentiment_score":-0.15920773187341788,"num_words":24,"start":1872.27,"end":1880.465},{"sentences":[{"text":"I'm not worried.","start":1897.22,"end":1898.28,"sentiment":"neutral","sentiment_score":0.06386705798407395},{"text":"If you think it might be, you know, things sort of change a bit and you think it's necessary, just give me a call.","start":1899.22,"end":1904.44,"sentiment":"neutral","sentiment_score":-0.01728874313024183},{"text":"But yeah.","start":1905.14,"end":1906.58,"sentiment":"neutral","sentiment_score":0.09192017838358879},{"text":"Otherwise, you know, we we say, twice a year or something like that maybe.","start":1906.58,"end":1910.3451,"sentiment":"neutral","sentiment_score":0.003200514441622155},{"text":"Hello?","start":1931.2999,"end":1931.7999,"sentiment":"neutral","sentiment_score":0.22800946235656736}],"sentiment":"neutral","sentiment_score":0.005302917275747115,"num_words":44,"start":1897.22,"end":1931.7999},{"sentences":[{"text":"Yeah.","start":1943.825,"end":1944.145,"sentiment":"neutral","sentiment_score":0.176056906580925},{"text":"That'd be good.","start":1944.145,"end":1944.705,"sentiment":"neutral","sentiment_score":0.3256379961967468},{"text":"Because things tend to, you know, change from one minute to another lately.","start":1944.705,"end":1948.3401,"sentiment":"neutral","sentiment_score":-0.05061639272249662},{"text":"But oh, that's right.","start":1949.2001,"end":1953.52,"sentiment":"neutral","sentiment_score":-0.02573490235954523},{"text":"Sometimes it's better if you don't.","start":1953.52,"end":1955.06,"sentiment":"neutral","sentiment_score":-0.17608238384127617}],"sentiment":"neutral","sentiment_score":-0.024610226766930685,"num_words":27,"start":1943.825,"end":1955.06},{"sentences":[{"text":"Can I give you those card account details for where I want that money pulled in?","start":1957.8401,"end":1963.055,"sentiment":"neutral","sentiment_score":0.06626184331253171},{"text":"Mhmm.","start":1968.3151,"end":1968.8151,"sentiment":"neutral","sentiment_score":0.008837327361106873},{"text":"Yep.","start":1971.515,"end":1971.93,"sentiment":"neutral","sentiment_score":0.10508941113948822},{"text":"It's BSB48479 9, and the account is 6 is the account is 604 792 238.","start":1978.81,"end":1995.475,"sentiment":"neutral","sentiment_score":0.018064434329668682},{"text":"Mhmm.","start":2002.6699,"end":2003.1699,"sentiment":"neutral","sentiment_score":0.03596947714686394}],"sentiment":"neutral","sentiment_score":0.043560359517441076,"num_words":34,"start":1957.8401,"end":2003.1699},{"sentences":[{"text":"Yes.","start":2008.03,"end":2008.365,"sentiment":"neutral","sentiment_score":0.09954873472452164},{"text":"Yeah.","start":2023.645,"end":2024.145,"sentiment":"neutral","sentiment_score":0.14243578910827637},{"text":"Nice cream, Hari.","start":2024.5,"end":2025.38,"sentiment":"positive","sentiment_score":0.4929552177588145},{"text":"That'll be fine.","start":2025.38,"end":2026.2,"sentiment":"positive","sentiment_score":0.33504517873128253},{"text":"Mhmm.","start":2032.98,"end":2033.48,"sentiment":"neutral","sentiment_score":0.0849245935678482}],"sentiment":"neutral","sentiment_score":0.31232336743010414,"num_words":9,"start":2008.03,"end":2033.48},{"sentences":[{"text":"Yep.","start":2034.6599,"end":2035.1599,"sentiment":"neutral","sentiment_score":0.18410861492156985},{"text":"Love it when something works.","start":2037.62,"end":2039.0,"sentiment":"positive","sentiment_score":0.5146064281463623},{"text":"I I had 09:00 the other morning.","start":2039.775,"end":2054.27,"sentiment":"neutral","sentiment_score":-0.005035704933106899},{"text":"The phone was ringing off.","start":2054.33,"end":2055.29,"sentiment":"neutral","sentiment_score":-0.07287216186523438},{"text":"You have people ring up first thing.","start":2055.29,"end":2057.1501,"sentiment":"neutral","sentiment_score":-0.04559417015739849}],"sentiment":"neutral","sentiment_score":0.08153483282774687,"num_words":25,"start":2034.6599,"end":2057.1501},{"sentences":[{"text":"And I'm trying to get my computer to wake up in the end.","start":2057.61,"end":2060.33,"sentiment":"neutral","sentiment_score":-0.013375429436564445},{"text":"This person wanted an appointment.","start":2060.33,"end":2061.79,"sentiment":"neutral","sentiment_score":-0.0048746785148978235},{"text":"And I said, yeah.","start":2062.09,"end":2062.81,"sentiment":"neutral","sentiment_score":-0.005395493702962995},{"text":"We'll put you in for this time, and I'll ring you back if there's a problem because I couldn't get the damn thing open every time you have password for everything.","start":2062.81,"end":2070.7449,"sentiment":"neutral","sentiment_score":-0.07980633038283896},{"text":"Oh, so slow.","start":2071.4448,"end":2072.825,"sentiment":"neutral","sentiment_score":-0.05947875728209814}],"sentiment":"neutral","sentiment_score":-0.05129050828171395,"num_words":56,"start":2057.61,"end":2072.825},{"sentences":[{"text":"Yeah.","start":2075.365,"end":2075.865,"sentiment":"neutral","sentiment_score":-0.011227094568312168},{"text":"Yeah.","start":2076.165,"end":2076.665,"sentiment":"neutral","sentiment_score":-0.013722610659897327},{"text":"Oh, you know, it's crazy.","start":2078.805,"end":2079.845,"sentiment":"neutral","sentiment_score":-0.06796526238322258},{"text":"I think think look at what I'm going into.","start":2079.845,"end":2081.765,"sentiment":"neutral","sentiment_score":-0.07909215779768096},{"text":"You've gotta kidding.","start":2081.765,"end":2082.54,"sentiment":"neutral","sentiment_score":-0.08202095081408818}],"sentiment":"neutral","sentiment_score":-0.06961412051398504,"num_words":19,"start":2075.365,"end":2082.54},{"sentences":[{"text":"What are you saving the world from?","start":2082.54,"end":2084.32,"sentiment":"neutral","sentiment_score":-0.10211812279054097},{"text":"Mhmm.","start":2112.2249,"end":2112.545,"sentiment":"neutral","sentiment_score":0.028685856610536575},{"text":"Mhmm.","start":2112.545,"end":2113.045,"sentiment":"neutral","sentiment_score":0.026054710149765015},{"text":"Yep.","start":2138.665,"end":2139.145,"sentiment":"neutral","sentiment_score":0.0922309309244156},{"text":"No problem.","start":2139.145,"end":2139.9648,"sentiment":"neutral","sentiment_score":0.19308412075042725}],"sentiment":"neutral","sentiment_score":-0.015140593362351256,"num_words":12,"start":2082.54,"end":2139.9648},{"sentences":[{"text":"No worries.","start":2140.65,"end":2141.45,"sentiment":"neutral","sentiment_score":0.2411692887544632},{"text":"Thank you very much.","start":2141.45,"end":2142.51,"sentiment":"positive","sentiment_score":0.7570683062076569},{"text":"Yes.","start":2171.77,"end":2172.27,"sentiment":"neutral","sentiment_score":0.0243258997797966},{"text":"No worries.","start":2182.305,"end":2183.0452,"sentiment":"neutral","sentiment_score":0.04594307951629162},{"text":"Okeydokey.","start":2183.425,"end":2183.925,"sentiment":"neutral","sentiment_score":0.06975698471069336}],"sentiment":"positive","sentiment_score":0.3696580845862627,"num_words":10,"start":2140.65,"end":2183.925},{"sentences":[{"text":"That sounds cool.","start":2185.105,"end":2186.245,"sentiment":"positive","sentiment_score":0.3851907253265381},{"text":"Yeah.","start":2192.625,"end":2192.945,"sentiment":"neutral","sentiment_score":0.21307149529457092},{"text":"That's I think that's all that I needed was a good sleep.","start":2192.945,"end":2195.4,"sentiment":"neutral","sentiment_score":0.23209292814135551},{"text":"But anyway well, you look you look after you and yours, and I suppose it's beautiful weather up there at present.","start":2195.72,"end":2202.8599,"sentiment":"neutral","sentiment_score":0.1379514421735491},{"text":"We have a little rain so dry.","start":2212.135,"end":2213.7551,"sentiment":"neutral","sentiment_score":-0.1260530235511916}],"sentiment":"neutral","sentiment_score":0.14019018022174184,"num_words":44,"start":2185.105,"end":2213.7551},{"sentences":[{"text":"Yeah.","start":2215.175,"end":2215.675,"sentiment":"neutral","sentiment_score":-0.004957252182066441},{"text":"And then we had we've had 28 degrees, 26 degrees.","start":2216.055,"end":2220.475,"sentiment":"neutral","sentiment_score":-0.014119026623666287},{"text":"Hit 20 today going no.","start":2220.6802,"end":2222.36,"sentiment":"neutral","sentiment_score":-0.042811555042862895},{"text":"Yeah.","start":2222.36,"end":2222.6,"sentiment":"neutral","sentiment_score":-0.03727047890424728},{"text":"20 is going down to 18 tomorrow.","start":2222.6,"end":2224.3,"sentiment":"neutral","sentiment_score":-0.0461975700621094}],"sentiment":"neutral","sentiment_score":-0.03003578179050237,"num_words":24,"start":2215.175,"end":2224.3},{"sentences":[{"text":"And then with me this time next week, we're back up to 26.","start":2224.84,"end":2227.98,"sentiment":"neutral","sentiment_score":-0.005030869040638208},{"text":"Crazy.","start":2229.56,"end":2230.06,"sentiment":"neutral","sentiment_score":-0.03341420739889145},{"text":"But anyway, we've gotta get cold sometime, I suppose.","start":2230.4402,"end":2234.2202,"sentiment":"neutral","sentiment_score":-0.07539042085409164},{"text":"Mhmm.","start":2245.825,"end":2246.325,"sentiment":"neutral","sentiment_score":0.0585370771586895},{"text":"Yes.","start":2270.675,"end":2271.175,"sentiment":"neutral","sentiment_score":0.06250742822885513}],"sentiment":"neutral","sentiment_score":-0.026251391489058733,"num_words":25,"start":2224.84,"end":2271.175},{"sentences":[{"text":"Yep.","start":2277.42,"end":2277.92,"sentiment":"neutral","sentiment_score":0.12861831486225128},{"text":"Yes.","start":2285.1523,"end":2285.6523,"sentiment":"neutral","sentiment_score":-0.040725331753492355},{"text":"No.","start":2293.045,"end":2293.285,"sentiment":"neutral","sentiment_score":-0.042789116501808167},{"text":"So far, so very, very good.","start":2293.285,"end":2295.065,"sentiment":"neutral","sentiment_score":0.0930942731599013},{"text":"So yeah.","start":2295.765,"end":2296.485,"sentiment":"neutral","sentiment_score":0.08178883790969849}],"sentiment":"neutral","sentiment_score":0.06974974376234142,"num_words":11,"start":2277.42,"end":2296.485},{"sentences":[{"text":"No.","start":2296.485,"end":2296.725,"sentiment":"neutral","sentiment_score":0.056116294115781784},{"text":"That's been doing good.","start":2296.725,"end":2297.945,"sentiment":"neutral","sentiment_score":0.245514627546072},{"text":"No worries.","start":2299.045,"end":2299.605,"sentiment":"neutral","sentiment_score":0.08634789288043976},{"text":"Yeah.","start":2299.605,"end":2299.845,"sentiment":"neutral","sentiment_score":0.11798040568828584},{"text":"I've spoken to Michelle a couple of times.","start":2299.845,"end":2301.605,"sentiment":"neutral","sentiment_score":0.11247524619102478}],"sentiment":"neutral","sentiment_score":0.1392908103298396,"num_words":16,"start":2296.485,"end":2301.605},{"sentences":[{"text":"She's lovely.","start":2301.605,"end":2302.345,"sentiment":"positive","sentiment_score":0.4992901384830475},{"text":"Yeah.","start":2326.1052,"end":2326.5852,"sentiment":"neutral","sentiment_score":0.21178534626960752},{"text":"Oh, that's good.","start":2326.5852,"end":2327.3052,"sentiment":"neutral","sentiment_score":0.3318951527277629},{"text":"That's good.","start":2327.3052,"end":2328.0452,"sentiment":"positive","sentiment_score":0.3574422746896744},{"text":"Yeah.","start":2328.3452,"end":2328.8452,"sentiment":"neutral","sentiment_score":0.16967681050300598}],"sentiment":"positive","sentiment_score":0.3434013823668162,"num_words":9,"start":2301.605,"end":2328.8452},{"sentences":[{"text":"Okay.","start":2330.665,"end":2331.0652,"sentiment":"neutral","sentiment_score":0.12685488164424896},{"text":"Well, I'll let you go home so you can get some dinner at some stage.","start":2331.0652,"end":2333.8052,"sentiment":"neutral","sentiment_score":0.1563114896416664},{"text":"Yeah.","start":2338.29,"end":2338.6099,"sentiment":"neutral","sentiment_score":0.24580371379852295},{"text":"Thank you.","start":2338.6099,"end":2339.3499,"sentiment":"positive","sentiment_score":0.549781322479248},{"text":"Yeah.","start":2340.21,"end":2340.53,"sentiment":"neutral","sentiment_score":0.28075307607650757}],"sentiment":"neutral","sentiment_score":0.2048823330551386,"num_words":20,"start":2330.665,"end":2340.53},{"sentences":[{"text":"No.","start":2340.53,"end":2340.77,"sentiment":"neutral","sentiment_score":0.04679436981678009},{"text":"I'll be I'll be good again.","start":2340.77,"end":2342.6099,"sentiment":"neutral","sentiment_score":0.29204461102684337},{"text":"Oh, that's why we got a birthday party this weekend.","start":2342.6099,"end":2345.25,"sentiment":"positive","sentiment_score":0.43664754927158356},{"text":"The baby's grandson turns two.","start":2345.25,"end":2347.67,"sentiment":"neutral","sentiment_score":0.2707770079374313},{"text":"So we've got a hiding the pot.","start":2348.29,"end":2356.105,"sentiment":"neutral","sentiment_score":0.196453721927745}],"sentiment":"neutral","sentiment_score":0.3067102973060361,"num_words":29,"start":2340.53,"end":2356.105},{"sentences":[{"text":"No worries.","start":2359.765,"end":2360.505,"sentiment":"neutral","sentiment_score":0.06844094395637512},{"text":"Okay.","start":2362.885,"end":2363.2048,"sentiment":"neutral","sentiment_score":0.1977480947971344},{"text":"Thank you very much.","start":2363.2048,"end":2364.21,"sentiment":"positive","sentiment_score":0.7601251602172852},{"text":"Take care.","start":2366.3699,"end":2366.95,"sentiment":"positive","sentiment_score":0.6881576776504517},{"text":"See you.","start":2368.05,"end":2368.71,"sentiment":"neutral","sentiment_score":0.3204346299171448}],"sentiment":"positive","sentiment_score":0.49021047624674713,"num_words":11,"start":2359.765,"end":2368.71},{"sentences":[{"text":"Bye.","start":2369.0898,"end":2369.5898,"sentiment":"neutral","sentiment_score":0.22821006178855896}],"sentiment":"neutral","sentiment_score":0.22821006178855896,"num_words":1,"start":2369.0898,"end":2369.5898}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hang on. Carrie speaking.\n\nChannel 0: Hi, Carrie. It's Dana from Open Financial. How are you?\n\nChannel 1: Good. Yourself?\n\nChannel 0: I'm very well. Thank you. I had to look in for a bit of an annual review today. Is now still a good time there for you?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: No.\n\nChannel 0: All\n\nChannel 1: It's good.\n\nChannel 0: good. How's your day been?\n\nChannel 1: Oh, you have been I've had the oh, I wouldn't say the flu, but bad cold and, you know, just everyday when you think you're getting better and all of a sudden you feel really itchy.\n\nChannel 0: Yeah. Oh, wow. Does that mean you've had a bit of time off work, or you're still being struggling through?\n\nChannel 1: I've tried to, but I gave up the struggle this afternoon and come home, and I went to lie down and since I've got up, I said,\n\nChannel 0: Yeah.\n\nChannel 1: oh, that's that's what I needed with a good sleep.\n\nChannel 0: Oh, that's good. That's good. I hope I didn't wake you up then.\n\nChannel 1: No. No. No. No.\n\nChannel 0: No?\n\nChannel 1: No. I've gotta get up beforehand and it was a good sleep now, and I wouldn't get any tonight.\n\nChannel 0: Yeah. It's always the way, isn't it? It's always the way. I I got told the other day because I said I'm not really sleeping too well at the moment either, and my doctor goes, yeah. You're in your forties.\n\nIt's gonna happen. I was like, oh, thanks.\n\nChannel 1: The boss of my boss the other day, I'd had a oh, this well, I've had a really because I got diabetes. So every now and\n\nChannel 0: Yes.\n\nChannel 1: again, if if anything is going to go wrong, it'll go wrong at the night time. And\n\nChannel 0: Yes.\n\nChannel 1: I had this really bad night with it, and I said, what I can remember, you know, when I was younger, we had the two kids, and then they'd they'd be up. And I used to be in the band, and on a Thursday night, we'd go down to the golf club for a drink, and then they turn and they'll end up to be a midnight matter. And you'd rock up and go to work the next day, and you think I can't do that now. Mind you, I'm a hell\n\nChannel 0: Yeah.\n\nChannel 1: of a lot older than you are, but, you\n\nChannel 0: Yeah.\n\nChannel 1: know?\n\nChannel 0: Yeah. Yeah. No. I can't do anything like that either. My body doesn't handle that well.\n\nI can't even drink a lot come the Christmas party time. Yeah. I'm a bit sorry the next day.\n\nChannel 1: Okay. No. Because that, I think that comes from working, you know, like, because you're you're you're on there all over time.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Oh, the minute.\n\nChannel 0: Yeah. No. Absolutely. All good. Well, is now a good time to kinda go through things and do a bit of an update and see how everything's tracking for you?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. All good. Before I jump in to go through things properly, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Sure. Yeah. Go for it.\n\nChannel 0: Beautiful. And I'm discussing your personal information. So I'll just confirm your full name, date of birth, and address I should have on file.\n\nChannel 1: Alrighty. Carrie Ann Andrews.\n\nChannel 0: Yep.\n\nChannel 1: 10 With Castle Street, Moree, and the date of birth, '60\n\nChannel 0: Beautiful. Thank you so much for that. So, firstly, just want to see how things are going. So I know we've got the draw\n\nChannel 1: three.\n\nChannel 0: downs happening and your salary sacrifice going in now as well. How is that feeling for you at the moment? Is it all working fairly evenly?\n\nChannel 1: Yeah. Yeah. I'm getting there quite well. Good. I probably to change the bank account that I get it put into, do I just contact Hub twenty four and just\n\nChannel 0: Do\n\nChannel 1: say\n\nChannel 0: you\n\nChannel 1: I just\n\nChannel 0: wanna\n\nChannel 1: want it paid into that account rather than that account?\n\nChannel 0: yeah. Well, we normally we can do the bank account form for you because I know we just had one change. Did you wanna\n\nChannel 1: Yes.\n\nChannel 0: change back to the other account? Did you? Or\n\nChannel 1: No. No. No. I've actually gone and opened another account so that it doesn't just get swallowed up in whatever else I'm doing. And\n\nChannel 0: Yeah.\n\nChannel 1: so I just sort of said, oh, well, I'll put it to the side there, and then I know exactly where I'm up to then. I'm one of them\n\nChannel 0: No. That's\n\nChannel 1: I'm\n\nChannel 0: okay.\n\nChannel 1: one of them old fashioned people that you have an account for this, an account for that, an account for that,\n\nChannel 0: That's\n\nChannel 1: you know.\n\nChannel 0: okay. Yeah. Because I'm\n\nChannel 1: The only\n\nChannel 0: I've\n\nChannel 1: way\n\nChannel 0: got\n\nChannel 1: I'd\n\nChannel 0: five\n\nChannel 1: be\n\nChannel 0: different\n\nChannel 1: correct.\n\nChannel 0: accounts. Absolutely. No. That's honestly not a problem at all. We just do a bank account nomination form for you.\n\nSo\n\nChannel 1: Mhmm.\n\nChannel 0: if you're comfortable, I can always get those details off you at the end of the call if you like, and I can organize that baby cat nomination to be sent through to you.\n\nChannel 1: Get rid of you. Yep. That'll be\n\nChannel 0: Yep.\n\nChannel 1: fine.\n\nChannel 0: Beautiful. Beautiful. Not an issue at all. Excellent. So it's all working well so far.\n\nChannel 1: Yes.\n\nChannel 0: It's kind of because it's only sort of been open for a short period of time, it's kinda hard to see how it's gonna work longer term. We kinda do give it a year to sort of see how it goes, but\n\nChannel 1: Mhmm.\n\nChannel 0: you've I have had a bit of look at your super, so it's kind of good that we did those changes and reduced your risk level back when we did the advice document in January because now we've kind of got this thing going on with the Iran war and what's happening with The US, and the markets have been going a bit all over the shop. So it is good that we look to reduce your risk level back to the balanced growth environment, and making those changes to your investments has worked really well. With Super, over the last three months, your portfolio\n\nChannel 1: Okay.\n\nChannel 0: in the Super account is up over 3%, which is good. With moving things into the TTR pension account, that is down just slightly. It's 0.9% down. So it's under 1% down at the moment, and that's because we've moved everything over, and then the markets are being very up and down. And because you have most of your money in that TTR pension account, that is feeling the fluctuations a little bit more.\n\nBut\n\nChannel 1: Yes.\n\nChannel 0: when I sort of look at how things have tracked over the last one month, we have seen more of a recovery point. So your super account, the accumulation account, is up by 1.37% in the last one month, and your\n\nChannel 1: Yep.\n\nChannel 0: TTR pension account is up by 1.76% in the last one month as well. So\n\nChannel 1: Hello.\n\nChannel 0: we've kind of been going through those ups and downs to the market and with what's happening between Iran and The US. The biggest sort of drops that happened around about sort of that mid to early March period, so between sort of the third and the March 30 is when the supers all sort of felt those big ups and downs of what was occurring. And then from now, we're sort of in a bit more of a recovery period. So while there's still a bit of instability out there in the market with what's happening, I know with the ceasefire, it's a very unsteady ceasefire at the moment. We're just sort of watching and waiting to see how things go and what's happening.\n\nChannel 1: Yes.\n\nChannel 0: And then the markets are also feeling it on the Australian side as well because we've also had high inflation. So inflation for the March was up around 4.6%, so it's definitely higher than it should be, which is also causing a little bit of chaos around the fixed interest. So bonds are also feeling a little bit of a a touch point at the moment with the market. So we're in a bit of a an up and down kind of motion. We just gotta go through this point.\n\nWe'll keep watching everything for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Markets are starting to take a bit of a turn, so I'll keep watching your super. Keep watching your portfolio. Is there anything\n\nChannel 1: Yes.\n\nChannel 0: flags that I think we need to move you out of or make changes? I'll make sure I contact you. Right now, it just looks like it's a hold and wait scenario. We just need to go through what we're going through, wait for\n\nChannel 1: It's\n\nChannel 0: Trump\n\nChannel 1: pretty\n\nChannel 0: to\n\nChannel 1: well sounds like the whole world's way, isn't it? Just hold on and wait.\n\nChannel 0: Exactly. We just need to wait and see what Trump does next week first.\n\nChannel 1: Oh my god. How many years have we got of him?\n\nChannel 0: I know. I know. I actually honestly thought that\n\nChannel 1: Oh,\n\nChannel 0: what we'd be\n\nChannel 1: right.\n\nChannel 0: feeling would have been affected a lot worse than what it has. Realistically, it hasn't even been much of a correction. When we look at the downside, the market's dropped no more than about three to 4% at the worst point. It wasn't as big of a a dip as what I thought we were gonna end up with.\n\nChannel 1: Yes.\n\nChannel 0: And then in between those ups and downs, we've also had some really good days where we've seen a positive of one or 2% as well. So whilst the markets haven't fully recovered from where they were prior, we are kinda getting back to that point. And I think most investors are just overhearing about the war. They're just sick of it. They're like, yeah.\n\nWe know. You know? Everything's\n\nChannel 1: Yes.\n\nChannel 0: happening.\n\nChannel 1: Yes.\n\nChannel 0: Tomorrow could be a different story,\n\nChannel 1: Nothing\n\nChannel 0: but\n\nChannel 1: surprises\n\nChannel 0: there isn't\n\nChannel 1: us anymore.\n\nChannel 0: absolutely. Absolutely. But one of the good things I am happy about is we did move you out of that growth environment into the balanced growth portfolio, so we did reduce your risk level prior to this happening. So I am very happy that we did that then and not are doing that now, which is something that a lot of our clients are in the process of doing at the moment. So\n\nChannel 1: Yeah. Probably\n\nChannel 0: we're just\n\nChannel 1: one of them, wouldn't it?\n\nChannel 0: calling isn't doing too bad either at the moment. I've got his advice almost ready to do. I know Michelle's gonna give him a call later and have that presented having booked in to have that presented to him to go through it all.\n\nChannel 1: All\n\nChannel 0: But\n\nChannel 1: good.\n\nChannel 0: I don't think his what is his profile looking like? Where do we I think we reduced his risk last time, so I know he's not crazy high.\n\nChannel 1: And he's rejecting his insurance. How much is the pay to hold that to?\n\nChannel 0: Yeah. Yeah. Which is good because that gets expensive.\n\nChannel 1: Bloody\n\nChannel 0: They\n\nChannel 1: nuts.\n\nChannel 0: get\n\nChannel 1: When he was\n\nChannel 0: crazy\n\nChannel 1: telling me, I was like,\n\nChannel 0: expensive.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Investment profile. Yeah. So he is in that growth environment at the moment, but he's not doing too badly.\n\nChannel 1: Yes.\n\nChannel 0: Again, he's with us most of the the worst part of the storm there. So we will we will get through that recovery point, and we're in the process of getting that advice out to him now. So\n\nChannel 1: Yes. No.\n\nChannel 0: once we\n\nChannel 1: That's\n\nChannel 0: get\n\nChannel 1: right.\n\nChannel 0: everything sorted yeah. Once we get all that sorted, we do the changes we need to now, then we keep keep watching it, let it grow, and let it recover out of those points, which will be fine. So yeah.\n\nChannel 1: Just\n\nChannel 0: No.\n\nChannel 1: so\n\nChannel 0: That'd be\n\nChannel 1: you know,\n\nChannel 0: good.\n\nChannel 1: both\n\nChannel 0: Yeah.\n\nChannel 1: of us will be away the week of the I think it's the seventeenth, seventeenth, eighteenth.\n\nChannel 0: Okay. Yep.\n\nChannel 1: Yeah. The eighteenth will be away that week. So\n\nChannel 0: Okay. Perfect. Having a bit of a holiday?\n\nChannel 1: oh, no.\n\nChannel 0: No.\n\nChannel 1: We've got Colin, as you know, is deaf as opposed. Anyway, we went to the to Toowoomba here a few a month ago, and we've\n\nChannel 0: Yeah.\n\nChannel 1: got to go back and have some tests and just check that there's nothing physical causing, like, you know, an MRI just to check there's nothing wrong there. And then another\n\nChannel 0: Yeah.\n\nChannel 1: hearing test and then just trying to work it because one ear has gone quite bad quite quickly,\n\nChannel 0: Yeah.\n\nChannel 1: and they're just\n\nChannel 0: Yep.\n\nChannel 1: trying to figure that out. So while\n\nChannel 0: Yep.\n\nChannel 1: we were you know, that was we were gonna come back on the Tuesday, but Colin's brother has had liver failure, and he was put on the list for a liver reply you know, replacement type of thing, you know. And,\n\nChannel 0: Yeah.\n\nChannel 1: anyway,\n\nChannel 0: K. Fine.\n\nChannel 1: we thought, yeah. We thought, oh, that'll be a couple of years. Anyway, two weeks. And then he he had these turns, poor bugger, where he sort of\n\nChannel 0: Yeah.\n\nChannel 1: passes out, and he passed out at home. That's where he remembers Nick, and they\n\nChannel 0: Wow.\n\nChannel 1: took him to the local hospital. And while he was there while he was there, like, their local was Tweed. While\n\nChannel 0: Yeah.\n\nChannel 1: he was\n\nChannel 0: Yeah.\n\nChannel 1: there, they still got the same available. So he's woken up at the other\n\nChannel 0: Wow.\n\nChannel 1: end in Brisbane with a new liver. They've all woken out of him, but so far so good. So we thought while we're at Toowoomba, we'll keep going and go to Brisbane and spend a couple\n\nChannel 0: Yeah.\n\nChannel 1: of days and visit him. So that's,\n\nChannel 0: Yes.\n\nChannel 1: you know, that's I don't know if you'd call it a holiday.\n\nChannel 0: Oh, wow.\n\nChannel 1: But, yeah, we just thought seeing we're halfway there. Brisbane,\n\nChannel 0: Magical\n\nChannel 1: we\n\nChannel 0: heat\n\nChannel 1: might\n\nChannel 0: gun.\n\nChannel 1: as well keep going and catch\n\nChannel 0: Yeah.\n\nChannel 1: up with it.\n\nChannel 0: Wow.\n\nChannel 1: Yeah. But, yeah, like,\n\nChannel 0: Oh,\n\nChannel 1: amazing\n\nChannel 0: that's\n\nChannel 1: thing\n\nChannel 0: crazy.\n\nChannel 1: because we thought two years or more, you know, probably be on it. You know? And, yeah, this one came up all so quickly, and he's had it, and so far, so good. So\n\nChannel 0: Oh, jeez.\n\nChannel 1: yeah. So but I just thought you poor bugger, you go to bed in your own\n\nChannel 0: Wow.\n\nChannel 1: go to sleep in your own bed, next thing you wake up in breath with with all these things and you go,\n\nChannel 0: Yeah.\n\nChannel 1: Jesus.\n\nChannel 0: Wow.\n\nChannel 1: Anyway\n\nChannel 0: Oh,\n\nChannel 1: but, yeah, that's all\n\nChannel 0: goodness\n\nChannel 1: weird. We're\n\nChannel 0: me.\n\nChannel 1: just going to be away that week. So just\n\nChannel 0: Yep.\n\nChannel 1: so that, you know, you\n\nChannel 0: Yeah.\n\nChannel 1: can do it you can do it the week after or something.\n\nChannel 0: Yeah. Yeah. No. Definitely. Not a problem at all.\n\nWell, I know Michelle's gonna give you the call tonight and book Colin in for that one. So I'll let her know that that you're away that particular week. But, yeah, look, honestly, his his sleep has not been bad at all. It's not really feeling a huge amount of effect. He still had a really good return for the year.\n\nSo\n\nChannel 1: Lexi.\n\nChannel 0: we're good to get him sorted and start to reduce his risk level. But, yeah, thankfully, it hasn't felt as big of a drop as what some of the other ones have out there seen. So his\n\nChannel 1: Yes.\n\nChannel 0: portfolio\n\nChannel 1: Yes.\n\nChannel 0: works for him, which is good. Yeah. But now, look, I look at these every single day. I'm flipping through, having a look in between calls and seeing what's going on and reading the news and keeping up to date because I think if there's anything that we need to flag, we need to flag it fairly quickly. But so far, it hasn't been as big as what we've expected.\n\nChannel 1: That's good.\n\nChannel 0: I mean, we don't know what's gonna happen tomorrow or next week, and anything could come of this. But I think the same with any other war out there, when it sorta happens and things, it's in the news a lot. After a while, everyone just kinda becomes a bit you know, it's there. It's happening okay. And we get a bit sick of listening to it and just kind of tune it out a little bit.\n\nThe markets tend to start to stabilize a bit. So\n\nChannel 1: Yes.\n\nChannel 0: yeah. Yeah. I think with the with the thing I wanna watch out for next with regard to super and the investments will be when the budget comes out because\n\nChannel 1: Yes.\n\nChannel 0: the RBA has been increasing interest rates because inflation's being quite high. Looking at what's\n\nChannel 1: Yeah.\n\nChannel 0: gonna come out of the budget may may see a bit of a dip the next day. It may see an increase depending on how investors feel the budget the budget was. So that'll be the next thing to watch, I think.\n\nChannel 1: Yeah. Yeah. It's just like, you know, we it's just like guys, like, we said, oh, yes. We've got money here. We can afford to get our kitchen done.\n\nSo I'm putting all my savings into getting my kitchen done because my kitchen's a 1960 kitchen. Anyway,\n\nChannel 0: Yeah.\n\nChannel 1: so as soon as that happens, talk about financial hemorrhage, you know, you sort of got this insurance\n\nChannel 0: Wow.\n\nChannel 1: and and, like, it's house insurance here. It's so\n\nChannel 0: Yep.\n\nChannel 1: hard to get.\n\nChannel 0: Oh,\n\nChannel 1: And\n\nChannel 0: yes.\n\nChannel 1: not a matter of what you can afford, it's what you can get.\n\nChannel 0: Yeah.\n\nChannel 1: There's a lot of\n\nChannel 0: Yeah.\n\nChannel 1: places that say, maybe we won't touch it. But\n\nChannel 0: Yeah.\n\nChannel 1: so that sort of thing, Saska. It's just typical. One minute you think you're doing well, and the next thing, where am I? But\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: anyway.\n\nChannel 0: And insurance wise, you've been a similar boat to Lismore. Very hard to get any kind of flood cover if available at all.\n\nChannel 1: Yeah. Well, that's right. And the thing is we want that's our problem is, like, oh, yes. We can show you a place for $18,000. You're kidding me.\n\nChannel 0: Woah.\n\nChannel 1: But, you know, we sort of we found one insurance that, you know well, there's a couple out there that won't will let you strike off flood because we're,\n\nChannel 0: Yeah.\n\nChannel 1: you know, we're in a flood zone, but the house is out of flood. And they've been through a few of them and, yeah, they do\n\nChannel 0: Yeah.\n\nChannel 1: make a mess, but\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: they don't generally get into the house.\n\nChannel 0: No. No. I mean, it's mine isn't that high, but here, like, it's at Bonora Point. My flood level is about 2,000 now, and I pay that because I need it. But, yeah, I just if it keeps going up, there'll be a point where I go, no.\n\nI'm just gonna wear it if it happens because yeah.\n\nChannel 1: Yes.\n\nChannel 0: No.\n\nChannel 1: So you should have your house insured for this and all that. And I think, yeah, it's all very well, but you gotta be able to afford it week to week to week.\n\nChannel 0: Correct. Correct. And with all the natural disasters we've had, all the floods that come and go in the area even, you know, with more in areas around us, even if we don't get hit, we're close enough to areas that, you know, feel the effects of it, and now it affects our premiums pretty heavily too. So\n\nChannel 1: Well,\n\nChannel 0: yeah.\n\nChannel 1: see, across my bus is across town and\n\nChannel 0: Yeah.\n\nChannel 1: well, the other side of town, they don't get flooded.\n\nChannel 0: Wow.\n\nChannel 1: They don't get flood water, yet they\n\nChannel 0: Yeah.\n\nChannel 1: still gotta pay all the premiums for being in a\n\nChannel 0: Yeah.\n\nChannel 1: plaza.\n\nChannel 0: Yeah. It's insane, ain't it?\n\nChannel 1: Anyway\n\nChannel 0: Jeez. Oh, wow. So you're getting your kitchen done still, or is that been and done? How's that go?\n\nChannel 1: It's still in the process. So you should see\n\nChannel 0: Yep.\n\nChannel 1: it's like golf golf and all pull the kitchen out. So we had, like, a bit of pieces. So we've emptied the cupboards that we've got. So they are all the sort of ones that are in buckets\n\nChannel 0: Yes.\n\nChannel 1: under a little\n\nChannel 0: Yeah.\n\nChannel 1: fold up table that we're using.\n\nChannel 0: Yep.\n\nChannel 1: And and then he's we've got, like, the old houses where, you know, had they had on the wall, they'd have a strip, strip and then they put a little piece of wood across it where the two pieces\n\nChannel 0: Yes.\n\nChannel 1: would meet. We've\n\nChannel 0: Yes.\n\nChannel 1: got that. So we've taken that off. So my grandson walked in the other day and goes, oh, mama, did you want that like that? I said, no.\n\nChannel 0: Oh,\n\nChannel 1: It's\n\nChannel 0: wow.\n\nChannel 1: not why I how I want it. So\n\nChannel 0: Yeah.\n\nChannel 1: we've done as much as we can that way. So when we get you'd probably be I'd say June, they'll be\n\nChannel 0: Okay.\n\nChannel 1: able to come and do it. And then we've\n\nChannel 0: Yeah.\n\nChannel 1: just got the wooden cupboards that are attached to the wall across one wall. So,\n\nChannel 0: Yeah.\n\nChannel 1: of course, the grandkids and the children who are in\n\nChannel 0: Yeah.\n\nChannel 1: their thirties can't wait\n\nChannel 0: Yeah.\n\nChannel 1: to come and play demolition.\n\nChannel 0: Oh, goodness me. Everyone can take out their their internal stresses.\n\nChannel 1: Yeah. That's right. Wack a cop. And it'll be interesting to to see I think they're like a they're attached to the wall, but they'll be interesting to see what if if anything is behind it. Because when we first\n\nChannel 0: Yes.\n\nChannel 1: moved in here, when we moved in with dad, we took up the lino that was in the kitchen. And underneath\n\nChannel 0: Yes.\n\nChannel 1: was all this newspaper. And there was all these pictures of women with these beehive hacks, and there was an advertisement for the brand new corona that was out. So\n\nChannel 0: Wow.\n\nChannel 1: it's interesting if they was behind it, if anything.\n\nChannel 0: Yeah. Wow. There could be some serious history back there.\n\nChannel 1: Anyway so, yeah, that's lined up in June. So it's not a you know, it's just one of those things we're just doing bit by bit and waiting for the yes we'll be ready. So\n\nChannel 0: Yes. Yeah.\n\nChannel 1: I won't know\n\nChannel 0: Wow.\n\nChannel 1: myself when I actually have a proper kitchen and bench space. I don't\n\nChannel 0: Oh,\n\nChannel 1: care about\n\nChannel 0: I know.\n\nChannel 1: anything else. I want bench space.\n\nChannel 0: Oh, it's amazing, honestly. I love my kitchen. I waited years and years for it, and I got it. And I couldn't wait for it to be done, and it's just it's the heart of the home, honestly. There's so much time in there.\n\nChannel 1: As I said, years, I've been saying I want enough bench break because there used to be five of us here that, you know,\n\nChannel 0: Yeah.\n\nChannel 1: calling myself the two girls and my father. And I\n\nChannel 0: Yep.\n\nChannel 1: said, I would love to have enough bench space to put five plates out to serve tea.\n\nChannel 0: Oh,\n\nChannel 1: And\n\nChannel 0: wow.\n\nChannel 1: it's down to\n\nChannel 0: Yeah.\n\nChannel 1: two now. I'm like,\n\nChannel 0: You'll gradually get them back up again as it all gets done. Yeah. Yeah. Absolutely. Something to look forward to.\n\nThat's fantastic. That's what we all need.\n\nChannel 1: Yeah. That's right. You know, everyone said, hey. You're\n\nChannel 0: Yeah.\n\nChannel 1: doing this. Why are you doing this? I'm not there yet.\n\nChannel 0: Oh, no. All good. All good. So other than the kitchen, do you guys have any other plans or goals that you're looking to achieve in the next sort of one to two years? Or\n\nChannel 1: Ideally, what\n\nChannel 0: yep.\n\nChannel 1: we'd like to do like, we've put on a back porch.\n\nChannel 0: Yep.\n\nChannel 1: We've gotta finish that. That was sort of put on hold. So we're like, it's finished, usable, and all that. We just gotta put some handrails around it. It's probably I\n\nChannel 0: Yep.\n\nChannel 1: suppose it's entirely illegal at present, but it didn't in the process of. And then there's just maintenance.\n\nChannel 0: Yes.\n\nChannel 1: It's what it could be done. You know, it's a problem with an old house is they do want maintenance. And\n\nChannel 0: Yes.\n\nChannel 1: so, you know, there's a lot of paying you to do. We had our eldest, Alicia's\n\nChannel 0: Yeah.\n\nChannel 1: son, for us with us\n\nChannel 0: Yeah.\n\nChannel 1: for a weekend here a while back. And she said, oh, thank you, mom, for taking anything, you know, because being, you know, a single mom, she sort of needs that pulling out\n\nChannel 0: A\n\nChannel 1: every\n\nChannel 0: bit\n\nChannel 1: now\n\nChannel 0: of downtown.\n\nChannel 1: and again. Anyhow,\n\nChannel 0: Yeah.\n\nChannel 1: well, I said, that's alright, darling. I'll get the pound flesh out of you later. I've got a kitchen that's gonna need to be painted.\n\nChannel 0: You can't get on the back burner.\n\nChannel 1: That's right. Yeah. I still still tell them that I they still owe me for all the amount of times. I've had to go and pick them up when they were teenagers.\n\nChannel 0: Absolutely. Absolutely. Oh, I love that.\n\nChannel 1: But, anyway, yeah, so that's probably our only thing that we're sort of looking at at present is\n\nChannel 0: Yep.\n\nChannel 1: doing that. And then next year, our car comes due, the lease on it comes due.\n\nChannel 0: Yep.\n\nChannel 1: So we, you know, we'll just swap that over, and that'll probably be the last one until we retire. And then\n\nChannel 0: Yeah.\n\nChannel 1: but, yeah, that because there's nothing, you know, nothing brand other than just keeping afloat, really.\n\nChannel 0: Yeah. No. That's okay. Retirement wise, we're still working on, I believe, age 67 at the moment.\n\nChannel 1: Yeah. I am. Colin\n\nChannel 0: Yes.\n\nChannel 1: would like to do it at 65, but\n\nChannel 0: Yep.\n\nChannel 1: see how financial we are at that\n\nChannel 0: Yeah. Absolutely. We'll keep reviewing things and see where we're up to. And if one of you says, hey. I wanna stop working earlier, we'll see what we can do to make that happen for you and look at the outcome.\n\nEasy\n\nChannel 1: time.\n\nChannel 0: done. Yeah. Absolutely.\n\nChannel 1: Random\n\nChannel 0: Not\n\nChannel 1: question.\n\nChannel 0: an issue. Yeah. Sure.\n\nChannel 1: With the super, we can\n\nChannel 0: Yes.\n\nChannel 1: only get so much until what age?\n\nChannel 0: So with the sleeper, we can only be doing the 10% of the the TCR balance up until 65.\n\nChannel 1: 60\n\nChannel 0: When\n\nChannel 1: five.\n\nChannel 0: you hit\n\nChannel 1: Yes.\n\nChannel 0: 65, the entire thing becomes nonpreserved, unrestricted, and you can take out whatever you want completely tax free.\n\nChannel 1: Yep. No. That's fine. I I knew there was an age, but I couldn't remember what it was. Was it 65 or 67 or what it is?\n\nYeah. No. That's\n\nChannel 0: Yeah.\n\nChannel 1: fine.\n\nChannel 0: Yeah. Now 65, it'll all become undeserved, unrestricted. You can take out whatever you like completely tax free. Before\n\nChannel 1: Mhmm.\n\nChannel 0: 65, you've gotta be fully retired. So yeah. Yeah.\n\nChannel 1: Yeah. No. That's fine.\n\nChannel 0: Unless we're doing this cool TPR thing where we can take out some and put more back in and yeah.\n\nChannel 1: Yeah. No. No. That is just you know, when we get to our age, we start talking about these things.\n\nChannel 0: Absolutely.\n\nChannel 1: And\n\nChannel 0: Yeah.\n\nChannel 1: and a couple of times I've noticed calls. So, oh, we're doing this. No. I don't think that's what she said. And then\n\nChannel 0: No.\n\nChannel 1: we're\n\nChannel 0: It's\n\nChannel 1: gonna\n\nChannel 0: all good.\n\nChannel 1: no. He's heard heard wrong, which\n\nChannel 0: No. That's okay.\n\nChannel 1: but yeah. So yeah. No. All all seems to be plodding along quite well. That sounds good.\n\nChannel 0: Oh, fantastic. Fantastic. And any any kind of pay rises or anything due in the next few months that you might be aware of or nothing\n\nChannel 1: Maybe\n\nChannel 0: coming\n\nChannel 1: not for\n\nChannel 0: up?\n\nChannel 1: me.\n\nChannel 0: Not for you?\n\nChannel 1: No. And I think things are gonna get a bit tough around here because it's very, very dry. Well, you know,\n\nChannel 0: Yeah.\n\nChannel 1: it's start it's starting to get concerning. There's no there's no talk of rain, so people aren't you know, there's and then with the cost of fuel, you know, the\n\nChannel 0: Yes.\n\nChannel 1: lobby around a lot of people thinking, well, do we waste money planting or don't we? You know?\n\nChannel 0: Yeah.\n\nChannel 1: People like\n\nChannel 0: Yeah.\n\nChannel 1: that sort of but yeah. So I don't think there's gonna be any pay raises for me for a while.\n\nChannel 0: Oh, that's the same. You're definitely worth more. Well, if anything comes up, let me know.\n\nChannel 1: Yes.\n\nChannel 0: Hopefully,\n\nChannel 1: No worries.\n\nChannel 0: soon.\n\nChannel 1: Yes. It\n\nChannel 0: All\n\nChannel 1: is.\n\nChannel 0: good.\n\nChannel 1: So, hopefully,\n\nChannel 0: As it's\n\nChannel 1: we will\n\nChannel 0: sorry.\n\nChannel 1: be a bit\n\nChannel 0: You're\n\nChannel 1: better\n\nChannel 0: right.\n\nChannel 1: off in probably a couple of months because Colin will\n\nChannel 0: Yep.\n\nChannel 1: sign or go back to work full time. That\n\nChannel 0: Beautiful.\n\nChannel 1: will make\n\nChannel 0: Beautiful.\n\nChannel 1: a great difference.\n\nChannel 0: Yes. Well, actually, that's part of the reason it's taking a bit longer than you do his is that he wanted me to work on his full time wage, not the wage he's on now. So we're looking at trying to get trying to get more out to supplement some of the weight. So, hopefully, that'll make things a bit easier. But, yeah, just finish the research on that.\n\nSo when we do it, we'll look at how things are, and\n\nChannel 1: Yes.\n\nChannel 0: we can always adjust if we need to. Okay.\n\nChannel 1: Yes. Yeah. No worries.\n\nChannel 0: Beautiful.\n\nChannel 1: Bye.\n\nChannel 0: Beautiful. Asset wise, the main primary residence, I've got down asset value of about 450,000. Do you think that would have changed too much, or are you still happy with that valuation?\n\nChannel 1: Oh, I think that'll 500,000. It's hard to say. Because one minute you\n\nChannel 0: Yeah.\n\nChannel 1: stay around here and you think, oh, jeez. They got that much money for that house?\n\nChannel 0: Yeah.\n\nChannel 1: And then then another one, you can see that's going cheap. Like, around the corner from it, there's a little house that they had all done up. It's a little about the same age as this place, and they had done\n\nChannel 0: Yeah.\n\nChannel 1: it up. That was not a three bedroom with the board. But it's still in flood zone. Like, it's still the flood actually went through it.\n\nChannel 0: Yep.\n\nChannel 1: And they got 650,000 for that.\n\nChannel 0: Yeah.\n\nChannel 1: And then\n\nChannel 0: Wow.\n\nChannel 1: they went down to Greenbough, which is sort of down the road a bit, which is a really nice area into one of the best\n\nChannel 0: Yeah.\n\nChannel 1: streets in the town, and they bought a place then for 600. How does that work?\n\nChannel 0: Yeah. Wow. Yeah. I know. Insane.\n\nChannel 1: So\n\nChannel 0: I've been\n\nChannel 1: I'd say\n\nChannel 0: looking at some of the agency. Sorry.\n\nChannel 1: four so it's\n\nChannel 0: Yeah.\n\nChannel 1: a 450 to 500, I suppose.\n\nChannel 0: Yep. Yeah. Beautiful. Beautiful. All good.\n\nLoan on the property, we still had around about that 60,000. Have you managed to drop that a little bit? Probably not with interest rates going back up.\n\nChannel 1: I can tell you exactly what I've got going\n\nChannel 0: Yes.\n\nChannel 1: to the day.\n\nChannel 0: You're right.\n\nChannel 1: We have paid a bit of it off.\n\nChannel 0: Oh,\n\nChannel 1: Because\n\nChannel 0: that's\n\nChannel 1: how\n\nChannel 0: good.\n\nChannel 1: we actually got a letter the other day saying your interest rates your payments are going down. That'll probably\n\nChannel 0: Oh,\n\nChannel 1: change\n\nChannel 0: fantastic.\n\nChannel 1: that'll probably change next week. But anyway, it was under 52,227.\n\nChannel 0: $2.27. Fantastic. Getting closer to owning it outright. Love that.\n\nChannel 1: Oh, yeah. We we did a lot of work here to place here with major repairs here a while back,\n\nChannel 0: Yeah.\n\nChannel 1: and that would have been paid off by now if we hadn't had to do that.\n\nChannel 0: Oh, you get to enjoy it now, though.\n\nChannel 1: Yeah. That's right. It had to be done. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So we're getting that one\n\nChannel 0: Beautiful. Beautiful. Savings word, we did have about 18,000 in there. Do you still have that,\n\nChannel 1: down.\n\nChannel 0: or has that dropped a bit?\n\nChannel 1: Yeah. Hang on. It's about to be absolutely decimated. We've got hold on a minute. I think we've only got about 9,000 in\n\nChannel 0: Yep. Beautiful. Update that for you. And then I've got the Nissan X Trail with a rough evaluation of 27,000.\n\nChannel 1: that prison. I guess.\n\nChannel 0: Yeah. That's\n\nChannel 1: I've got\n\nChannel 0: okay.\n\nChannel 1: no reason\n\nChannel 0: And\n\nChannel 1: to pay it for that.\n\nChannel 0: con\n\nChannel 1: I guess.\n\nChannel 0: yep. That's okay. We can we can leave it at that. Easy done. And content's still around $40,000 of value for content.\n\nChannel 1: Yeah. We did actually move it up to about 80 for insurance\n\nChannel 0: Mhmm.\n\nChannel 1: the other day.\n\nChannel 0: Yep. Beautiful. Update that one for you. Excellent. Lovely.\n\nAnything else that we might need to note\n\nChannel 1: I\n\nChannel 0: down that we don't have noted?\n\nChannel 1: think so.\n\nChannel 0: No. That's okay.\n\nChannel 1: I'm not\n\nChannel 0: All\n\nChannel 1: aware\n\nChannel 0: good.\n\nChannel 1: of anything like that. I haven't been given any massive diamonds or anything like that.\n\nChannel 0: No. No. Haven't won't load yet, obviously. We'll just keep trying for that one. If I win LOTA, you'll be the first to know.\n\nI'll rock up in more rooms. I'm like, I'm here. We're good. What do we wanna do?\n\nChannel 1: That's right. Yeah. Well, I'd pass out if I won the lotto. And then\n\nChannel 0: I\n\nChannel 1: I'd\n\nChannel 0: think\n\nChannel 1: put\n\nChannel 0: I would\n\nChannel 1: myself\n\nChannel 0: too.\n\nChannel 1: to probably pay me.\n\nChannel 0: Yeah. I think my husband would be like, we won't we won't. I'd be like, no. We didn't. You're judging me.\n\nSurely.\n\nChannel 1: Well, we we had a friend, and I don't know if I told you this, but we had a friend oh, this is quite a few years ago now, but he\n\nChannel 0: Yeah.\n\nChannel 1: used to work for a air spraying firm, and he often has to go down around Adelaide Way and work down\n\nChannel 0: Yep.\n\nChannel 1: there for the company. And because he'd go away for five or six weeks,\n\nChannel 0: Yep.\n\nChannel 1: he always put in his lotto ticket lottery ticket. So he put in the lotto numbers or whatever it is. So he went into the news agency, I'll put these in for me. He said, you know you're gonna be doubled up one week. And the bloke said, alright.\n\nNothing I can do about it. Otherwise, I won't get them in, probably put them in. Well, blow me down. He won it, didn't he?\n\nChannel 0: Oh,\n\nChannel 1: That\n\nChannel 0: wow.\n\nChannel 1: week. And because he had two tickets in, he had he'd got 70,000. And then\n\nChannel 0: Oh,\n\nChannel 1: because\n\nChannel 0: wow.\n\nChannel 1: he had two tickets in it, he got a 140.\n\nChannel 0: Oh, wow.\n\nChannel 1: And he's\n\nChannel 0: What\n\nChannel 1: away,\n\nChannel 0: is\n\nChannel 1: and\n\nChannel 0: the odds?\n\nChannel 1: his wife rang, and she said, I've got no one else to tell them.\n\nChannel 0: Wow.\n\nChannel 1: He just\n\nChannel 0: Oh\n\nChannel 1: and he\n\nChannel 0: my\n\nChannel 1: told\n\nChannel 0: goodness.\n\nChannel 1: me, like, how how are you when you win the one one week you overlap, and that's when you win.\n\nChannel 0: Yeah. Oh my goodness. Oh, wow.\n\nChannel 1: Yeah. So it can happen, but I'm not gonna\n\nChannel 0: Yeah.\n\nChannel 1: I'm not gonna hold my breath.\n\nChannel 0: No. No. No. I'll be working till I can't anymore. That'll be the way.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: It's\n\nChannel 1: That's\n\nChannel 0: all\n\nChannel 1: right.\n\nChannel 0: good.\n\nChannel 1: I don't\n\nChannel 0: Is it\n\nChannel 1: keep\n\nChannel 0: gonna\n\nChannel 1: time.\n\nChannel 0: be\n\nChannel 1: We keep saying it works, you know. The the boss's wife said, oh, hey, Carrie. You're not you're gonna be working here for a while because my boss is 79. He's still working.\n\nChannel 0: Yeah. Wow. Wow.\n\nChannel 1: And and anyway, she said not I said not four years. That's all you got for years, and you won't see me for that. And I said, okay. So long ago, but four years, it's surprising how quick that will go.\n\nChannel 0: Yeah. Absolutely. No. I'll be here forever, and so I can't anymore. I love my job.\n\nI love what I do. I think if I won Lotto, no one would even know. I'd still just keep rocking up over there and keep working.\n\nChannel 1: Yeah. That's right. They're I want enough so I could you know, that not a huge amount. Just enough to do things. I'd keep working.\n\nYou know, it is a good place to work, but I'm just ready.\n\nChannel 0: Yeah.\n\nChannel 1: People keep saying, what are you gonna do? You're gonna get so bored. I said, oh, no. I'm not. I've got a list already.\n\nChannel 0: Absolutely. Oh, that's so, so good. I love that. No. We'll make sure we keep reviewing things.\n\nDid you want me to do a bit of a review with you in the next sort of three or six months? How far between reviews do you want me to or catch up do you want for the year?\n\nChannel 1: I'm not worried. If you think it might be, you know, things sort of change a bit and you think it's necessary, just give me a call.\n\nChannel 0: Yep.\n\nChannel 1: But\n\nChannel 0: I can do that.\n\nChannel 1: yeah. Otherwise, you know, we we say, twice a year or something like that maybe.\n\nChannel 0: Yep. Yep. Perfect. For six months, I'll make the next one for you. We'll do a bit of a catch up.\n\nIf anything comes with the meantime, give us a call. Let me know. I'll book you a time to have a chat and go through things with you. Any questions you have, it doesn't matter what the question is or anything big or small. If it's something you wanna talk to me about, I'll make time to talk to you about it.\n\nIt's not an issue at all.\n\nChannel 1: Hello?\n\nChannel 0: We'll get this advice done for Colin, and then we'll sort of see how things are going. For you both in six months. Do a bit of a maybe a joint catch up and see how it's all traveling. And if we need to adjust anything, we can do that for you guys. Okay?\n\nChannel 1: Yeah. That'd be good. Because things tend to,\n\nChannel 0: Yeah.\n\nChannel 1: you know, change from one minute to another lately.\n\nChannel 0: Absolutely.\n\nChannel 1: But\n\nChannel 0: Time to know what's gonna happen tomorrow, wouldn't it?\n\nChannel 1: oh, that's right. Sometimes it's better if you don't.\n\nChannel 0: Absolutely.\n\nChannel 1: Can I give you those card account details for where I want that money pulled in?\n\nChannel 0: Absolutely. I'm just gonna turn the recording off now. So you'll hear a bit of a beep. It's just\n\nChannel 1: Mhmm.\n\nChannel 0: and start one.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So the recording should be off now. So what's the account number there for me?\n\nChannel 1: It's BSB48479\n\nChannel 0: Four eight four.\n\nChannel 1: 9,\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Seven\n\nChannel 1: the account\n\nChannel 0: nine\n\nChannel 1: is\n\nChannel 0: 9.\n\nChannel 1: 6\n\nChannel 0: Yep.\n\nChannel 1: is the account is 604\n\nChannel 0: Yep.\n\nChannel 1: 792\n\nChannel 0: Mhmm.\n\nChannel 1: 238.\n\nChannel 0: 238. I'll just read that back to you. It's BSC484799, and\n\nChannel 1: Mhmm.\n\nChannel 0: the account number is 604792238.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. I'll get that done for you this afternoon, and I'll get that done account nomination form off to you. I'm not in tomorrow, but as soon as I'm back on Monday, if you sign it and send it back to me, I'll get that sorted for you Monday. Is that okay?\n\nChannel 1: Yeah. Nice cream, Hari. That'll\n\nChannel 0: Yep.\n\nChannel 1: be fine.\n\nChannel 0: Perfect. Lovely. I'm just gonna turn a recording back on now for you there, Carrie, so you'll hear another\n\nChannel 1: Mhmm.\n\nChannel 0: beep. That\n\nChannel 1: Yep.\n\nChannel 0: should have worked. Beautiful. Lovely.\n\nChannel 1: Love it when\n\nChannel 0: All\n\nChannel 1: something\n\nChannel 0: good.\n\nChannel 1: works. I\n\nChannel 0: Ask me too. Especially technology. I'm really good at numbers and math and all the other bits and pieces, but technology when a computer or a printer doesn't work, it is the end of the world, I tell you what.\n\nChannel 1: I had 09:00 the other morning. The phone was ringing off. You have people ring up first thing. And I'm trying\n\nChannel 0: Yes.\n\nChannel 1: to get my computer to wake up in the end. This person wanted an appointment. And I said, yeah. We'll put you in for this time, and I'll ring you back if there's a problem because I couldn't get the damn thing open every time you have password for everything. Oh,\n\nChannel 0: Oh,\n\nChannel 1: so slow.\n\nChannel 0: yeah. And two factor authentication.\n\nChannel 1: Yeah. Yeah. Oh, you know, it's crazy. I think think look at what I'm going into. You've gotta kidding.\n\nWhat are you saving the world from?\n\nChannel 0: No. That's it. That's exactly right. All good. Well, the last thing to do is to send through your annual review pack to you.\n\nSo I will send through Michelle will send that through to you. It'll have your ongoing service agreement for the next twelve months. So because you and Colin are both on board, your ongoing service fee is reduced to 1.1%. I'll make sure it stays that, and we provide it across both the accounts there.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: The it'll have the reports that I've gone through, so just a couple of portfolio reports to run your eyes over. Just to kinda give you an idea of the things I've gone through. I'll also have attached to that the financial services guide and a couple of just legal documents we'd like to attach their compliance documents for you to review as well. If you find you have any questions in relation to any of those documents, just feel free to let me know. Okay?\n\nChannel 1: Yep. No problem. No worries.\n\nChannel 0: Easy.\n\nChannel 1: Thank you very much.\n\nChannel 0: All all good. That's okay. It wasn't a huge update today, and I was sort of just looking to see how things go. Everything's kind of the implementation sort of not long been sort of set up and completed. So it's a bit of a matter of just watching to see how things go, keep reviewing everything, and just making sure it all continues to work.\n\nAnd then once we get through this volatile time with The US and Iran and what's happening here with the, you know, inflation rates and things like that, then we'll sort of see how things are tracking. So just give it\n\nChannel 1: Yes.\n\nChannel 0: another six months to see how we're tracking what's happening. If if there's any changes in your life that you think are affecting it, let me know, and we can always look to adjust that for you as well. Okay?\n\nChannel 1: No worries. Okeydokey.\n\nChannel 0: All\n\nChannel 1: That\n\nChannel 0: good.\n\nChannel 1: sounds\n\nChannel 0: Well,\n\nChannel 1: cool.\n\nChannel 0: thank you so much for your time. All good. I'll let you go to have a bit of a rest. I hope you get a good night's sleep and feel better.\n\nChannel 1: Yeah. That's I think that's all that I needed was a good sleep. But anyway well,\n\nChannel 0: Yeah.\n\nChannel 1: you look you\n\nChannel 0: Yeah.\n\nChannel 1: look after you and yours, and I suppose it's\n\nChannel 0: I\n\nChannel 1: beautiful\n\nChannel 0: will.\n\nChannel 1: weather up there at present.\n\nChannel 0: It it was today. We've had nothing but rain the past few weeks. I feel the rain we've had, you should have down there. But\n\nChannel 1: We\n\nChannel 0: it's\n\nChannel 1: have\n\nChannel 0: been\n\nChannel 1: a little rain\n\nChannel 0: horrible\n\nChannel 1: so dry.\n\nChannel 0: and off and on.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: And then we had\n\nChannel 0: Gotta send\n\nChannel 1: we've\n\nChannel 0: it your\n\nChannel 1: had\n\nChannel 0: way.\n\nChannel 1: 28 degrees, 26 degrees. Hit 20 today going no. Yeah. 20 is going down to 18 tomorrow. And then with me this time\n\nChannel 0: Yeah.\n\nChannel 1: next week, we're back up to 26.\n\nChannel 0: Yeah.\n\nChannel 1: Crazy. But anyway, we've gotta get cold sometime, I suppose.\n\nChannel 0: Oh, yeah. No. Absolutely. We'll look look after yourself. I'll get myself a call shortly and book him in for his preso, and we'll\n\nChannel 1: Mhmm.\n\nChannel 0: make sure things are working for you and update everything. I should probably let you know as well because I've been with the company for a while. They've given me a book of clients that you and Carl are on my specific book. That means that you only deal with me until you decide you don't like me anymore, which is honestly fine. And it means that Michelle will be the one who gives you guys a call whenever she needs anything or books you in or, you know, doesn't update with me.\n\nShe's\n\nChannel 1: Yes.\n\nChannel 0: my my little admin now, so she'll be the one that you guys talk to more regularly with myself and her.\n\nChannel 1: Yep.\n\nChannel 0: So it'll be really good. We just wanna make sure that we get give you guys consistency moving forward. And if at any point I'm not living up to your expectations,\n\nChannel 1: Yes.\n\nChannel 0: let me know because I have very high expectations. And if I'm not meeting them, I'll work harder to to make sure we get there. Okay?\n\nChannel 1: No. So far, so very, very good. So\n\nChannel 0: Oh,\n\nChannel 1: yeah. No.\n\nChannel 0: thank\n\nChannel 1: That's\n\nChannel 0: you.\n\nChannel 1: been doing good. No worries. Yeah.\n\nChannel 0: All\n\nChannel 1: I've\n\nChannel 0: good.\n\nChannel 1: spoken\n\nChannel 0: Well,\n\nChannel 1: to\n\nChannel 0: I\n\nChannel 1: Michelle a couple of times. She's lovely.\n\nChannel 0: oh, isn't she beautiful? I just love her. She's my, she's my admin. She's been in this kind of role for a lot of years, so she's been learning a lot about it. But, yeah, she honestly just tries everything, takes everything on board.\n\nShe's just so wonderful to talk to. So yeah. No. It's fantastic. Really happy with her.\n\nShe's learning a lot, and she really enjoys calling all of our clients. So yeah.\n\nChannel 1: Yeah. Oh, that's good. That's good. Yeah.\n\nChannel 0: Yeah. All good.\n\nChannel 1: Okay. Well, I'll let\n\nChannel 0: Alright.\n\nChannel 1: you go\n\nChannel 0: Well,\n\nChannel 1: home\n\nChannel 0: I'll\n\nChannel 1: so you can get some dinner at some stage.\n\nChannel 0: thank you. I'll let you go to have a good rest. I hope you\n\nChannel 1: Yeah.\n\nChannel 0: feel\n\nChannel 1: Thank\n\nChannel 0: better\n\nChannel 1: you.\n\nChannel 0: soon, Carrie. I hope you have a\n\nChannel 1: Yeah.\n\nChannel 0: good weekend.\n\nChannel 1: No. I'll be I'll be good again. Oh, that's why we got a birthday party this weekend. The baby's grandson turns two. So we've got\n\nChannel 0: Yeah.\n\nChannel 1: a\n\nChannel 0: Oh, that's\n\nChannel 1: hiding\n\nChannel 0: so\n\nChannel 1: the\n\nChannel 0: beautiful. Oh, that's so lovely. Oh, and I'll make sure I get this\n\nChannel 1: pot.\n\nChannel 0: this bank account nomination form done for you straight after the call so it comes\n\nChannel 1: No\n\nChannel 0: out\n\nChannel 1: worries.\n\nChannel 0: to you to sign tonight. Okay?\n\nChannel 1: Okay. Thank you very much.\n\nChannel 0: My pleasure, Carrie.\n\nChannel 1: Take care.\n\nChannel 0: Talk to you soon. See you later.\n\nChannel 1: See you. Bye.\n\nChannel 0: Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hang on.","start":2.6399999,"end":3.36,"sentiment":"neutral","sentiment_score":0.03010091371834278},{"text":"Carrie speaking.","start":3.36,"end":4.26,"sentiment":"neutral","sentiment_score":0.03595607914030552}],"sentiment":"neutral","sentiment_score":0.03302849642932415,"channel":1,"num_words":4,"start":2.6399999,"end":4.26},{"sentences":[{"text":"Hi, Carrie.","start":4.88,"end":5.52,"sentiment":"neutral","sentiment_score":0.1676885038614273},{"text":"It's Dana from Open Financial.","start":5.52,"end":7.14,"sentiment":"neutral","sentiment_score":0.2013254702091217},{"text":"How are you?","start":7.44,"end":8.34,"sentiment":"neutral","sentiment_score":0.22552673518657684}],"sentiment":"neutral","sentiment_score":0.20185845643281936,"channel":0,"num_words":10,"start":4.88,"end":8.34},{"sentences":[{"text":"Good.","start":8.639999,"end":9.04,"sentiment":"positive","sentiment_score":0.5393202304840088},{"text":"Yourself?","start":9.04,"end":9.54,"sentiment":"positive","sentiment_score":0.39401310682296753}],"sentiment":"positive","sentiment_score":0.46666666865348816,"channel":1,"num_words":2,"start":8.639999,"end":9.54},{"sentences":[{"text":"I'm very well.","start":10.0,"end":10.96,"sentiment":"positive","sentiment_score":0.6841196020444235},{"text":"Thank you.","start":10.96,"end":11.44,"sentiment":"positive","sentiment_score":0.7468721270561218},{"text":"I had to look in for a bit of an annual review today.","start":11.44,"end":13.759999,"sentiment":"neutral","sentiment_score":0.313846977857443},{"text":"Is now still a good time there for you?","start":13.759999,"end":15.94,"sentiment":"neutral","sentiment_score":0.3032570381959279}],"sentiment":"positive","sentiment_score":0.3835343376353935,"channel":0,"num_words":27,"start":10.0,"end":15.94},{"sentences":[{"text":"Yeah.","start":16.175,"end":16.495,"sentiment":"neutral","sentiment_score":0.13218821585178375},{"text":"Yeah.","start":16.495,"end":16.815,"sentiment":"neutral","sentiment_score":0.10936681926250458},{"text":"Yeah.","start":16.815,"end":17.315,"sentiment":"neutral","sentiment_score":0.09914614260196686}],"sentiment":"neutral","sentiment_score":0.11356705923875172,"channel":1,"num_words":3,"start":16.175,"end":17.315},{"sentences":[{"text":"Yeah.","start":18.025,"end":18.505,"sentiment":"neutral","sentiment_score":0.0907294750213623}],"sentiment":"neutral","sentiment_score":0.0907294750213623,"channel":0,"num_words":1,"start":18.025,"end":18.505},{"sentences":[{"text":"No.","start":18.255001,"end":18.575,"sentiment":"neutral","sentiment_score":0.04886747896671295}],"sentiment":"neutral","sentiment_score":0.04886747896671295,"channel":1,"num_words":1,"start":18.255001,"end":18.575},{"sentences":[{"text":"All","start":18.505,"end":18.744999,"sentiment":"neutral","sentiment_score":0.1276104748249054}],"sentiment":"neutral","sentiment_score":0.1276104748249054,"channel":0,"num_words":1,"start":18.505,"end":18.744999},{"sentences":[{"text":"It's good.","start":18.575,"end":19.235,"sentiment":"positive","sentiment_score":0.389707088470459}],"sentiment":"positive","sentiment_score":0.389707088470459,"channel":1,"num_words":2,"start":18.575,"end":19.235},{"sentences":[{"text":"good.","start":18.744999,"end":19.244999,"sentiment":"positive","sentiment_score":0.4218551218509674},{"text":"How's your day been?","start":20.025,"end":21.325,"sentiment":"neutral","sentiment_score":0.19517730548977852}],"sentiment":"neutral","sentiment_score":0.2405128687620163,"channel":0,"num_words":5,"start":18.744999,"end":21.325},{"sentences":[{"text":"Oh, you have been I've had the oh, I wouldn't say the flu, but bad cold and, you know, just everyday when you think you're getting better and all of a sudden you feel really 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big ups and downs of what was occurring.","start":353.81,"end":367.33502,"sentiment":"negative","sentiment_score":-0.376576574688608},{"text":"And then from now, we're sort of in a bit more of a recovery period.","start":368.355,"end":371.475,"sentiment":"neutral","sentiment_score":-0.2597180853287379},{"text":"So while there's still a bit of instability out there in the market with what's happening, I know with the ceasefire, it's a very unsteady ceasefire at the moment.","start":371.475,"end":379.56998,"sentiment":"negative","sentiment_score":-0.49256296764160024},{"text":"We're just sort of watching and waiting to see how things go and what's 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little bit of a a touch point at the moment with the market.","start":402.24002,"end":407.78,"sentiment":"neutral","sentiment_score":-0.3320708635606264},{"text":"So we're in a bit of a an up and down kind of motion.","start":407.84,"end":411.84,"sentiment":"neutral","sentiment_score":-0.2499064835054534},{"text":"We just gotta go through this point.","start":411.84,"end":414.0,"sentiment":"neutral","sentiment_score":-0.11411932004349572}],"sentiment":"neutral","sentiment_score":-0.2815020393166277,"channel":0,"num_words":90,"start":385.49,"end":414.0},{"sentences":[{"text":"We'll keep watching everything for 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They reassure customers about reducing risk levels and adjusting investments, emphasizing the importance of insurance coverage and flood coverage for the situation. The speakers also discuss their upcoming holidays and retirement plans, as well as their financial situation and plans for the future. They provide account details and offer follow-up catch-up in six months. The representatives emphasize the importance of staying until they can and signing necessary forms for their services."},"intents":{"segments":[{"text":"I had to look in for a bit of an annual review today. Is now still a good time there for you? Yeah.","start_word":21,"end_word":43,"intents":[{"intent":"Schedule annual review","confidence_score":0.05173782}]},{"text":"Well, is now a good time to kinda go through things and do a bit of an update and see how everything's tracking for you? 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And, Yeah.","start_word":2084,"end_word":2125,"intents":[{"intent":"Discuss liver failure","confidence_score":0.3786047}]},{"text":"Well, I know Michelle's gonna give you the call tonight and book Colin in for that one.","start_word":2433,"end_word":2449,"intents":[{"intent":"Book calen's visit","confidence_score":0.009043755}]},{"text":"I think with the with the thing I wanna watch out for next with regard to super and the investments will be when the budget comes out because Yes.","start_word":2698,"end_word":2726,"intents":[{"intent":"Watch out for inflation and investments","confidence_score":0.00014334571}]},{"text":"the RBA has been increasing interest rates because inflation's being quite high.","start_word":2727,"end_word":2738,"intents":[{"intent":"Prepare for rba's interest rates","confidence_score":0.0016634766}]},{"text":"so as soon as that happens, talk about financial hemorrhage, you know, you sort of got this insurance Wow.","start_word":2833,"end_word":2851,"intents":[{"intent":"Prepare for financial hemorrhage","confidence_score":0.088514045}]},{"text":"And insurance wise, you've been a similar boat to Lismore. Very hard to get any kind of flood cover if available at all. Yeah.","start_word":2924,"end_word":2947,"intents":[{"intent":"Explore insurance options","confidence_score":0.005284401}]},{"text":"So you're getting your kitchen done still, or is that been and done? How's that go?","start_word":3248,"end_word":3263,"intents":[{"intent":"Resolve kitchen issues","confidence_score":0.0088372035}]},{"text":"myself when I actually have a proper kitchen and bench space.","start_word":3642,"end_word":3652,"intents":[{"intent":"Build office space","confidence_score":8.5472607e-7}]},{"text":"It's what it could be done. You know, it's a problem with an old house is they do want maintenance. And Yes.","start_word":3923,"end_word":3944,"intents":[{"intent":"Make maintenance","confidence_score":0.0033222125}]},{"text":"So we, you know, we'll just swap that over, and that'll probably be the last one until we retire. And then Yeah.","start_word":4117,"end_word":4138,"intents":[{"intent":"Retire","confidence_score":0.032396216}]},{"text":"With the super, we can Yes. only get so much until what age?","start_word":4246,"end_word":4258,"intents":[{"intent":"Define age requirement","confidence_score":0.000081980514}]},{"text":"only get so much until what age?","start_word":4252,"end_word":4258,"intents":[{"intent":"Discuss retirement age","confidence_score":0.24084654}]},{"text":"And any any kind of pay rises or anything due in the next few months that you might be aware of or nothing Maybe coming not for up?","start_word":4468,"end_word":4495,"intents":[{"intent":"Discuss pay rises and dues","confidence_score":0.039415564}]},{"text":"And I think things are gonna get a bit tough around here because it's very, very dry.","start_word":4501,"end_word":4517,"intents":[{"intent":"Discuss climate","confidence_score":0.011192403}]},{"text":"it's start it's starting to get concerning. There's no there's no talk of rain, so people aren't you know, there's and then with the cost of fuel, you know, the Yes.","start_word":4522,"end_word":4552,"intents":[{"intent":"Discuss fuel costs","confidence_score":0.1716979}]},{"text":"We'll make sure we keep reviewing things. Did you want me to do a bit of a review with you in the next sort of three or six months?","start_word":5868,"end_word":5896,"intents":[{"intent":"Review tasks","confidence_score":0.1341924}]},{"text":"I'll book you a time to have a chat and go through things with you. Any questions you have, it doesn't matter what the question is or anything big or small. If it's something you wanna talk to me about, I'll make time to talk to you about it. It's not an issue at all. Hello?","start_word":5997,"end_word":6052,"intents":[{"intent":"Schedule meeting","confidence_score":0.044983964}]},{"text":"I'll get that done for you this afternoon, and I'll get that done account nomination form off to you. I'm not in tomorrow, but as soon as I'm back on Monday, if you sign it and send it back to me, I'll get that sorted for you Monday. Is that okay? Yeah.","start_word":6248,"end_word":6299,"intents":[{"intent":"Arrange meeting","confidence_score":0.001069718}]},{"text":"Well, the last thing to do is to send through your annual review pack to you. So I will send through Michelle will send that through to you. It'll have your ongoing service agreement for the next twelve months. So because you and Colin are both on board, your ongoing service fee is reduced to 1.1%. I'll make sure it stays that, and we provide it across both the accounts there.","start_word":6497,"end_word":6567,"intents":[{"intent":"Send review pack","confidence_score":0.4031329}]},{"text":"So because you and Colin are both on board, your ongoing service fee is reduced to 1.1%. I'll make sure it stays that, and we provide it across both the accounts there.","start_word":6536,"end_word":6567,"intents":[{"intent":"Consolidate service fee","confidence_score":0.029488714}]},{"text":"The it'll have the reports that I've gone through, so just a couple of portfolio reports to run your eyes over. Just to kinda give you an idea of the things I've gone through.","start_word":6570,"end_word":6603,"intents":[{"intent":"Provide portfolio reports","confidence_score":0.74400103}]},{"text":"It wasn't a huge update today, and I was sort of just looking to see how things go. Everything's kind of the implementation sort of not long been sort of set up and completed. So it's a bit of a matter of just watching to see how things go, keep reviewing everything, and just making sure it all continues to work.","start_word":6671,"end_word":6731,"intents":[{"intent":"Assess implementation progress","confidence_score":0.13460165}]},{"text":"I'll get myself a call shortly and book him in for his preso, and we'll Mhmm. make sure things are working for you and update everything.","start_word":6995,"end_word":7020,"intents":[{"intent":"Book preso appointment","confidence_score":0.084561914}]}]},"sentiments":{"segments":[{"text":"Hang on. Carrie speaking. Hi, Carrie. It's Dana from Open Financial. How are you?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1515376716852188},{"text":"Good. Yourself? I'm very well. Thank you.","start_word":14,"end_word":20,"sentiment":"positive","sentiment_score":0.6116819381713867},{"text":"I had to look in for a bit of an annual review today. Is now still a good time there for you? Yeah. Yeah. Yeah. Yeah. No.","start_word":21,"end_word":47,"sentiment":"neutral","sentiment_score":0.24758437275886536},{"text":"All It's good. good.","start_word":48,"end_word":51,"sentiment":"positive","sentiment_score":0.36406731605529785},{"text":"How's your day been? Oh, you have been I've had the oh, I wouldn't say the flu, but bad cold and, you know, just everyday when you think you're getting better and all of a sudden you feel really itchy. Yeah. Oh, wow. Does that mean you've had a bit of time off work, or you're still being struggling through? I've tried to, but I gave up the struggle this afternoon and come home, and I went to lie down and since I've got up, I said, Yeah. oh, that's that's what I needed with a good sleep. Oh, that's good.","start_word":52,"end_word":152,"sentiment":"neutral","sentiment_score":-0.10797246545553207},{"text":"That's good.","start_word":153,"end_word":154,"sentiment":"positive","sentiment_score":0.38407501578330994},{"text":"I hope I didn't wake you up then. No. No. No. No. No? No. I've gotta get up beforehand and it was a good sleep now, and I wouldn't get any tonight. Yeah. It's always the way, isn't it? It's always the way. I I got told the other day because I said I'm not really sleeping too well at the moment either, and my doctor goes, yeah. You're in your forties. It's gonna happen. I was like, oh, thanks. The boss of my boss the other day, I'd had a oh, this well, I've had a really because I got diabetes. So every now and Yes. again, if if anything is going to go wrong, it'll go wrong at the night time. And Yes. I had this really bad night with it, and I said, what I can remember, you know, when I was younger, we had the two kids, and then they'd they'd be up. And I used to be in the band, and on a Thursday night, we'd go down to the golf club for a drink, and then they turn and they'll end up to be a midnight matter. And you'd rock up and go to work the next day, and you think I can't do that now. Mind you, I'm a hell Yeah. of a lot older than you are, but, you Yeah. know? Yeah. Yeah. No.","start_word":155,"end_word":386,"sentiment":"neutral","sentiment_score":-0.12619035071211643},{"text":"I can't do anything like that either. My body doesn't handle that well.","start_word":387,"end_word":399,"sentiment":"negative","sentiment_score":-0.37650373578071594},{"text":"I can't even drink a lot come the Christmas party time. Yeah. I'm a bit sorry the next day. Okay. No. Because that, I think that comes from working, you know, like, because you're you're you're on there all over time. Yeah. Absolutely. Oh, the minute. Yeah. No. Absolutely. All good. Well, is now a good time to kinda go through things and do a bit of an update and see how everything's tracking for you? Yeah. Yeah. Yeah. All good. Before I jump in to go through things properly, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Sure. Yeah. Go for it.","start_word":400,"end_word":520,"sentiment":"neutral","sentiment_score":0.04382285103201866},{"text":"Beautiful.","start_word":521,"end_word":521,"sentiment":"positive","sentiment_score":0.4141373634338379},{"text":"And I'm discussing your personal information. So I'll just confirm your full name, date of birth, and address I should have on file. Alrighty. Carrie Ann Andrews. Yep. 10 With Castle Street, Moree, and the date of birth, '60 Beautiful.","start_word":522,"end_word":561,"sentiment":"neutral","sentiment_score":0.08348335325717926},{"text":"Thank you so much for that.","start_word":562,"end_word":567,"sentiment":"positive","sentiment_score":0.5958651304244995},{"text":"So, firstly, just want to see how things are going. So I know we've got the draw three. downs happening and your salary sacrifice going in now as well. How is that feeling for you at the moment? Is it all working fairly evenly? Yeah. Yeah. I'm getting there quite well. Good. I probably to change the bank account that I get it put into, do I just contact Hub twenty four and just Do say you I just wanna want it paid into that account rather than that account? yeah. Well, we normally we can do the bank account form for you because I know we just had one change. Did you wanna change Yes. back to the other account? Did you? Or No. No. No. I've actually gone and opened another account so that it doesn't just get swallowed up in whatever else I'm doing. And Yeah. so I just sort of said, oh, well, I'll put it to the side there, and then I know exactly where I'm up to then. I'm one of them No. That's I'm okay. one of them old fashioned people that you have an account for this, an account for that, an account for that, That's you know. okay. Yeah. Because I'm The only I've way got I'd five be different correct. accounts. Absolutely. No. That's honestly not a problem at all. We just do a bank account nomination form for you. So Mhmm. if you're comfortable, I can always get those details off you at the end of the call if you like, and I can organize that baby cat nomination to be sent through to you. Get rid of you. Yep. That'll be Yep. fine.","start_word":568,"end_word":852,"sentiment":"neutral","sentiment_score":0.050701327785326725},{"text":"Beautiful. Beautiful.","start_word":853,"end_word":854,"sentiment":"positive","sentiment_score":0.5350114107131958},{"text":"Not an issue at all.","start_word":855,"end_word":859,"sentiment":"neutral","sentiment_score":0.1895177811384201},{"text":"Excellent. So it's all working well so far.","start_word":860,"end_word":867,"sentiment":"positive","sentiment_score":0.4919936656951904},{"text":"Yes. It's kind of because it's only sort of been open for a short period of time, it's kinda hard to see how it's gonna work longer term. We kinda do give it a year to sort of see how it goes, but Mhmm. you've I have had a bit of look at your super, so it's kind of good that we did those changes and reduced your risk level back when we did the advice document in January because now we've kind of got this thing going on with the Iran war and what's happening with The US, and the markets have been going a bit all over the shop.","start_word":868,"end_word":978,"sentiment":"neutral","sentiment_score":0.0966329574584961},{"text":"So it is good that we look to reduce your risk level back to the balanced growth environment, and making those changes to your investments has worked really well.","start_word":979,"end_word":1007,"sentiment":"positive","sentiment_score":0.5185011029243469},{"text":"With Super, over the last three months, your portfolio Okay.","start_word":1008,"end_word":1017,"sentiment":"neutral","sentiment_score":0.2312892824411392},{"text":"in the Super account is up over 3%, which is good.","start_word":1018,"end_word":1028,"sentiment":"positive","sentiment_score":0.4332275688648224},{"text":"With moving things into the TTR pension account, that is down just slightly. It's 0.9% down.","start_word":1029,"end_word":1044,"sentiment":"neutral","sentiment_score":-0.02768213115632534},{"text":"So it's under 1% down at the moment, and that's because we've moved everything over, and then the markets are being very up and down. And because you have most of your money in that TTR pension account, that is feeling the fluctuations a little bit more.","start_word":1045,"end_word":1091,"sentiment":"negative","sentiment_score":-0.34933149814605713},{"text":"But Yes. when I sort of look at how things have tracked over the last one month, we have seen more of a recovery point.","start_word":1092,"end_word":1116,"sentiment":"neutral","sentiment_score":0.14802059531211853},{"text":"So your super account, the accumulation account, is up by 1.37% in the last one month, and your Yep. TTR pension account is up by 1.76% in the last one month as well.","start_word":1117,"end_word":1149,"sentiment":"positive","sentiment_score":0.395625114440918},{"text":"So Hello. we've kind of been going through those ups and downs to the market and with what's happening between Iran and The US.","start_word":1150,"end_word":1173,"sentiment":"neutral","sentiment_score":-0.2530030906200409},{"text":"The biggest sort of drops that happened around about sort of that mid to early March period, so between sort of the third and the March 30 is when the supers all sort of felt those big ups and downs of what was occurring.","start_word":1174,"end_word":1217,"sentiment":"negative","sentiment_score":-0.3795180022716522},{"text":"And then from now, we're sort of in a bit more of a recovery period.","start_word":1218,"end_word":1232,"sentiment":"neutral","sentiment_score":-0.259412944316864},{"text":"So while there's still a bit of instability out there in the market with what's happening, I know with the ceasefire, it's a very unsteady ceasefire at the moment.","start_word":1233,"end_word":1261,"sentiment":"negative","sentiment_score":-0.4922531545162201},{"text":"We're just sort of watching and waiting to see how things go and what's happening. Yes. And then the markets are also feeling it on the Australian side as well because we've also had high inflation.","start_word":1262,"end_word":1297,"sentiment":"neutral","sentiment_score":-0.2314019650220871},{"text":"So inflation for the March was up around 4.6%, so it's definitely higher than it should be, which is also causing a little bit of chaos around the fixed interest.","start_word":1298,"end_word":1327,"sentiment":"negative","sentiment_score":-0.3522960841655731},{"text":"So bonds are also feeling a little bit of a a touch point at the moment with the market. So we're in a bit of a an up and down kind of motion. We just gotta go through this point. We'll keep watching everything for you. Mhmm. Markets are starting to take a bit of a turn, so I'll keep watching your super. Keep watching your portfolio. Is there anything Yes. flags that I think we need to move you out of or make changes? I'll make sure I contact you. Right now, it just looks like it's a hold and wait scenario. We just need to go through what we're going through, wait for It's Trump pretty to well sounds like the whole world's way, isn't it? Just hold on and wait. Exactly. We just need to wait and see what Trump does next week first. Oh my god. How many years have we got of him? I know. I know. I actually honestly thought that Oh, what we'd be right.","start_word":1328,"end_word":1499,"sentiment":"neutral","sentiment_score":-0.10303850370177696},{"text":"feeling would have been affected a lot worse than what it has. Realistically, it hasn't even been much of a correction. When we look at the downside, the market's dropped no more than about three to 4% at the worst point. It wasn't as big of a a dip as what I thought we were gonna end up with.","start_word":1500,"end_word":1558,"sentiment":"negative","sentiment_score":-0.38485127687454224},{"text":"Yes. And then in between those ups and downs, we've also had some really good days where we've seen a positive of one or 2% as well. So whilst the markets haven't fully recovered from where they were prior, we are kinda getting back to that point.","start_word":1559,"end_word":1605,"sentiment":"neutral","sentiment_score":0.07700768113136292},{"text":"And I think most investors are just overhearing about the war. They're just sick of it.","start_word":1606,"end_word":1621,"sentiment":"negative","sentiment_score":-0.39258626103401184},{"text":"They're like, yeah. We know. You know? Everything's Yes. happening. Yes. Tomorrow could be a different story, Nothing but surprises there isn't us anymore. absolutely. Absolutely. But one of the good things I am happy about is we did move you out of that growth environment into the balanced growth portfolio, so we did reduce your risk level prior to this happening.","start_word":1622,"end_word":1683,"sentiment":"neutral","sentiment_score":0.07617323100566864},{"text":"So I am very happy that we did that then and not are doing that now, which is something that a lot of our clients are in the process of doing at the moment.","start_word":1684,"end_word":1717,"sentiment":"positive","sentiment_score":0.3477512001991272},{"text":"So Yeah. Probably we're just one of them, wouldn't it? calling isn't doing too bad either at the moment. I've got his advice almost ready to do. I know Michelle's gonna give him a call later and have that presented having booked in to have that presented to him to go through it all. All But good. I don't think his what is his profile looking like? Where do we I think we reduced his risk last time, so I know he's not crazy high.","start_word":1718,"end_word":1802,"sentiment":"neutral","sentiment_score":-0.094968780875206},{"text":"And he's rejecting his insurance.","start_word":1803,"end_word":1807,"sentiment":"negative","sentiment_score":-0.42662763595581055},{"text":"How much is the pay to hold that to? Yeah. Yeah. Which is good because that gets expensive.","start_word":1808,"end_word":1825,"sentiment":"neutral","sentiment_score":0.04426746070384979},{"text":"Bloody They nuts. get When he was crazy telling me, I was like, expensive.","start_word":1826,"end_word":1839,"sentiment":"negative","sentiment_score":-0.3805188834667206},{"text":"yeah. Yeah. Investment profile. Yeah. So he is in that growth environment at the moment, but he's not doing too badly. Yes. Again, he's with us most of the the worst part of the storm there. So we will we will get through that recovery point, and we're in the process of getting that advice out to him now. So Yes. No. once we That's get right. everything sorted yeah. Once we get all that sorted, we do the changes we need to now, then we keep keep watching it, let it grow, and let it recover out of those points, which will be fine. So yeah. Just No. so That'd be you know, good. both Yeah. of us will be away the week of the I think it's the seventeenth, seventeenth, eighteenth. Okay. Yep. Yeah. The eighteenth will be away that week. So Okay. Perfect. Having a bit of a holiday? oh, no. No. We've got Colin, as you know, is deaf as opposed. Anyway, we went to the to Toowoomba here a few a month ago, and we've Yeah. got to go back and have some tests and just check that there's nothing physical causing, like, you know, an MRI just to check there's nothing wrong there. And then another Yeah. hearing test and then just trying to work it because one ear has gone quite bad quite quickly, Yeah. and they're just Yep. trying to figure that out. So while Yep. we were you know, that was we were gonna come back on the Tuesday, but Colin's brother has had liver failure, and he was put on the list for a liver reply you know, replacement type of thing, you know. And, Yeah. anyway, K. Fine. we thought, yeah. We thought, oh, that'll be a couple of years. Anyway, two weeks. And then he he had these turns, poor bugger, where he sort of Yeah. passes out, and he passed out at home. That's where he remembers Nick, and they Wow. took him to the local hospital. And while he was there while he was there, like, their local was Tweed. While Yeah. he was Yeah. there, they still got the same available. So he's woken up at the other Wow. end in Brisbane with a new liver. They've all woken out of him, but so far so good. So we thought while we're at Toowoomba, we'll keep going and go to Brisbane and spend a couple Yeah. of days and visit him. So that's, Yes. you know, that's I don't know if you'd call it a holiday. Oh, wow. But, yeah, we just thought seeing we're halfway there. Brisbane, Magical we heat might gun. as well keep going and catch Yeah. up with it. Wow. Yeah. But, yeah, like, Oh, amazing that's thing crazy. because we thought two years or more, you know, probably be on it. You know? And, yeah, this one came up all so quickly, and he's had it, and so far, so good. So Oh, jeez. yeah. So but I just thought you poor bugger, you go to bed in your own Wow. go to sleep in your own bed, next thing you wake up in breath with with all these things and you go, Yeah. Jesus. Wow. Anyway Oh, but, yeah, that's all goodness weird. We're me. just going to be away that week. So just Yep. so that, you know, you Yeah. can do it you can do it the week after or something. Yeah. Yeah. No. Definitely. Not a problem at all. Well, I know Michelle's gonna give you the call tonight and book Colin in for that one. So I'll let her know that that you're away that particular week. But, yeah, look, honestly, his his sleep has not been bad at all. It's not really feeling a huge amount of effect.","start_word":1840,"end_word":2483,"sentiment":"neutral","sentiment_score":-0.0065128584132061245},{"text":"He still had a really good return for the year. So Lexi. we're good to get him sorted and start to reduce his risk level.","start_word":2484,"end_word":2508,"sentiment":"positive","sentiment_score":0.46133118867874146},{"text":"But, yeah, thankfully, it hasn't felt as big of a drop as what some of the other ones have out there seen. So his Yes.","start_word":2509,"end_word":2533,"sentiment":"neutral","sentiment_score":0.09235620498657228},{"text":"portfolio Yes. works for him, which is good.","start_word":2534,"end_word":2541,"sentiment":"positive","sentiment_score":0.5166070461273193},{"text":"Yeah. But now, look, I look at these every single day. I'm flipping through, having a look in between calls and seeing what's going on and reading the news and keeping up to date because I think if there's anything that we need to flag, we need to flag it fairly quickly. But so far, it hasn't been as big as what we've expected.","start_word":2542,"end_word":2605,"sentiment":"neutral","sentiment_score":-0.029356032609939575},{"text":"That's good.","start_word":2606,"end_word":2607,"sentiment":"positive","sentiment_score":0.5021020770072937},{"text":"I mean, we don't know what's gonna happen tomorrow or next week, and anything could come of this. But I think the same with any other war out there, when it sorta happens and things, it's in the news a lot. After a while, everyone just kinda becomes a bit you know, it's there. It's happening okay.","start_word":2608,"end_word":2664,"sentiment":"neutral","sentiment_score":-0.14447231590747833},{"text":"And we get a bit sick of listening to it and just kind of tune it out a little bit.","start_word":2665,"end_word":2684,"sentiment":"negative","sentiment_score":-0.3421929180622101},{"text":"The markets tend to start to stabilize a bit. So Yes. yeah. Yeah. I think with the with the thing I wanna watch out for next with regard to super and the investments will be when the budget comes out because Yes. the RBA has been increasing interest rates because inflation's being quite high. Looking at what's Yeah. gonna come out of the budget may may see a bit of a dip the next day. It may see an increase depending on how investors feel the budget the budget was. So that'll be the next thing to watch, I think. Yeah. Yeah. It's just like, you know, we it's just like guys, like, we said, oh, yes. We've got money here. We can afford to get our kitchen done. So I'm putting all my savings into getting my kitchen done because my kitchen's a 1960 kitchen. Anyway, Yeah. so as soon as that happens, talk about financial hemorrhage, you know, you sort of got this insurance Wow. and and, like, it's house insurance here. It's so Yep. hard to get. Oh, And yes. not a matter of what you can afford, it's what you can get. Yeah. There's a lot of Yeah. places that say, maybe we won't touch it. But Yeah. so that sort of thing, Saska. It's just typical. One minute you think you're doing well, and the next thing, where am I? But Yeah. Yeah. anyway. And insurance wise, you've been a similar boat to Lismore. Very hard to get any kind of flood cover if available at all. Yeah. Well, that's right. And the thing is we want that's our problem is, like, oh, yes. We can show you a place for $18,000. You're kidding me. Woah. But, you know, we sort of we found one insurance that, you know well, there's a couple out there that won't will let you strike off flood because we're, Yeah. you know, we're in a flood zone, but the house is out of flood. And they've been through a few of them and, yeah, they Yeah. do make a mess, but Mhmm. Yep. they don't generally get into the house. No. No. I mean, it's mine isn't that high, but here, like, it's at Bonora Point. My flood level is about 2,000 now, and I pay that because I need it. But, yeah, I just if it keeps going up, there'll be a point where I go, no. I'm just gonna wear it if it happens because yeah. Yes. No. So you should have your house insured for this and all that. And I think, yeah, it's all very well, but you gotta be able to afford it week to week to week. Correct. Correct. And with all the natural disasters we've had, all the floods that come and go in the area even, you know, with more in areas around us, even if we don't get hit, we're close enough to areas that, you know, feel the effects of it, and now it affects our premiums pretty heavily too. So Well, yeah. see, across my bus is across town and Yeah. well, the other side of town, they don't get flooded. Wow. They don't get flood water, yet they Yeah. still gotta pay all the premiums for being in Yeah. a plaza. Yeah.","start_word":2685,"end_word":3239,"sentiment":"neutral","sentiment_score":-0.056895026591447025},{"text":"It's insane, ain't it?","start_word":3240,"end_word":3243,"sentiment":"negative","sentiment_score":-0.5276007652282715},{"text":"Anyway Jeez. Oh, wow. So you're getting your kitchen done still, or is that been and done? How's that go? It's still in the process. So you should see Yep. it's like golf golf and all pull the kitchen out. So we had, like, a bit of pieces. So we've emptied the cupboards that we've got. So they are all the sort of ones that are in buckets Yes. under a little Yeah. fold up table that we're Yep. using. And and then he's we've got, like, the old houses where, you know, had they had on the wall, they'd have a strip, strip and then they put a little piece of wood across it where the two pieces Yes. would meet. We've Yes. got that. So we've taken that off. So my grandson walked in the other day and goes, oh, mama, did you want that like that? I said, no. Oh, It's wow. not why I how I want it. So Yeah. we've done as much as we can that way. So when we get you'd probably be I'd say June, they'll be Okay. able to come and do it. And then we've Yeah. just got the wooden cupboards that are attached to the wall across one wall. So, Yeah. of course, the grandkids and the children who are in Yeah. their thirties can't wait Yeah. to come and play demolition. Oh, goodness me. Everyone can take out their their internal stresses. Yeah. That's right.","start_word":3244,"end_word":3490,"sentiment":"neutral","sentiment_score":0.0549931637942791},{"text":"Wack a cop.","start_word":3491,"end_word":3493,"sentiment":"negative","sentiment_score":-0.3336407542228699},{"text":"And it'll be interesting to to see I think they're like a they're attached to the wall, but they'll be interesting to see what if if anything is behind it. Because when we first Yes. moved in here, when we moved in with dad, we took up the lino that was in the kitchen. And underneath Yes. was all this newspaper. And there was all these pictures of women with these beehive hacks, and there was an advertisement for the brand new corona that was out. So Wow. it's interesting if they was behind it, if anything. Yeah. Wow. There could be some serious history back there. Anyway so, yeah, that's lined up in June. So it's not a you know, it's just one of those things we're just doing bit by bit and waiting for the yes we'll be ready. So Yes. Yeah. I won't know Wow. myself when I actually have a proper kitchen and bench space. I don't Oh, care about I know. anything else. I want bench space.","start_word":3494,"end_word":3665,"sentiment":"neutral","sentiment_score":0.004230699296174354},{"text":"Oh, it's amazing, honestly. I love my kitchen. I waited years and years for it, and I got it. And I couldn't wait for it to be done, and it's just it's the heart of the home, honestly.","start_word":3666,"end_word":3703,"sentiment":"positive","sentiment_score":0.6586711406707764},{"text":"There's so much time in there. As I said, years, I've been saying I want enough bench break because there used to be five of us here that, you know, Yeah. calling myself the two girls and my father. And I Yep. said, I would love to have enough bench space to put five plates out to serve tea. Oh, And wow. it's down to Yeah. two now. I'm like, You'll gradually get them back up again as it all gets done. Yeah. Yeah.","start_word":3704,"end_word":3787,"sentiment":"neutral","sentiment_score":0.1439865678548813},{"text":"Absolutely. Something to look forward to. That's fantastic. That's what we all need.","start_word":3788,"end_word":3800,"sentiment":"positive","sentiment_score":0.5964444279670715},{"text":"Yeah. That's right. You know, everyone said, hey. Yeah. You're doing this. Why are you doing this? I'm not there yet. Oh, no. All good. All good. So other than the kitchen, do you guys have any other plans or goals that you're looking to achieve in the next sort of one to two years? Or Ideally, what yep. we'd like to do like, we've put on a back porch. Yep. We've gotta finish that. That was sort of put on hold. So we're like, it's finished, usable, and all that. We just gotta put some handrails around it. It's probably I Yep. suppose it's entirely illegal at present, but it didn't in the process of. And then there's just maintenance. Yes. It's what it could be done. You know, it's a problem with an old house is they do want maintenance. And Yes. so, you know, there's a lot of paying you to do. We had our eldest, Alicia's Yeah. son, for us with us Yeah. for a weekend here a while back. And she said, oh, thank you, mom, for taking anything, you know, because being, you know, a single mom, she sort of needs that pulling out A every bit now of downtown. and again. Anyhow, Yeah. well, I said, that's alright, darling. I'll get the pound flesh out of you later. I've got a kitchen that's gonna need to be painted. You can't get on the back burner. That's right. Yeah. I still still tell them that I they still owe me for all the amount of times. I've had to go and pick them up when they were teenagers. Absolutely. Absolutely.","start_word":3801,"end_word":4076,"sentiment":"neutral","sentiment_score":-0.0018707958448246336},{"text":"Oh, I love that.","start_word":4077,"end_word":4080,"sentiment":"positive","sentiment_score":0.3778553903102875},{"text":"But, anyway, yeah, so that's probably our only thing that we're sort of looking at at present is Yep. doing that. And then next year, our car comes due, the lease on it comes due. Yep. So we, you know, we'll just swap that over, and that'll probably be the last one until we retire. And then Yeah. but, yeah, that because there's nothing, you know, nothing brand other than just keeping afloat, really. Yeah. No. That's okay. Retirement wise, we're still working on, I believe, age 67 at the moment. Yeah. I am. Colin Yes. would like to do it at 65, but Yep. see how financial we are at that Yeah. Absolutely. We'll keep reviewing things and see where we're up to. And if one of you says, hey. I wanna stop working earlier, we'll see what we can do to make that happen for you and look at the outcome.","start_word":4081,"end_word":4233,"sentiment":"neutral","sentiment_score":0.03670565038919449},{"text":"Easy time. done.","start_word":4234,"end_word":4236,"sentiment":"positive","sentiment_score":0.4714694917201996},{"text":"Yeah. Absolutely. Random Not question. an issue. Yeah. Sure. With the super, we can Yes. only get so much until what age? So with the sleeper, we can only be doing the 10% of the the TCR balance up until 65. 60 When five. you hit Yes. 65, the entire thing becomes nonpreserved, unrestricted, and you can take out whatever you want completely tax free. Yep. No. That's fine. I I knew there was an age, but I couldn't remember what it was. Was it 65 or 67 or what it is? Yeah. No. That's Yeah. fine. Yeah. Now 65, it'll all become undeserved, unrestricted. You can take out whatever you like completely tax free. Before Mhmm. 65, you've gotta be fully retired. So yeah. Yeah. Yeah. No. That's fine. Unless we're doing this cool TPR thing where we can take out some and put more back in and yeah. Yeah. No. No. That is just you know, when we get to our age, we start talking about these things. Absolutely. And Yeah. and a couple of times I've noticed calls. So, oh, we're doing this. No. I don't think that's what she said. And then No. we're It's gonna all good. no. He's heard heard wrong, which No. That's okay. but yeah. So yeah. No. All all seems to be plodding along quite well. That sounds good.","start_word":4237,"end_word":4464,"sentiment":"neutral","sentiment_score":-0.01276176143437624},{"text":"Oh, fantastic. Fantastic.","start_word":4465,"end_word":4467,"sentiment":"positive","sentiment_score":0.4038386940956116},{"text":"And any any kind of pay rises or anything due in the next few months that you might be aware of or nothing Maybe coming not for up? me. Not for you? No. And I think things are gonna get a bit tough around here because it's very, very dry. Well, you know, Yeah. it's start it's starting to get concerning. There's no there's no talk of rain, so people aren't you know, there's and then with the cost of fuel, you know, the Yes. lobby around a lot of people thinking, well, do we waste money planting or don't we? You know? Yeah. People like Yeah. that sort of but yeah. So I don't think there's gonna be any pay raises for me for a while. Oh, that's the same.","start_word":4468,"end_word":4598,"sentiment":"neutral","sentiment_score":-0.13026130898990704},{"text":"You're definitely worth more.","start_word":4599,"end_word":4602,"sentiment":"positive","sentiment_score":0.3442804515361786},{"text":"Well, if anything comes up, let me know. Yes. Hopefully, No worries. soon. Yes. It All is. good. So, hopefully, As it's we will sorry. be a bit You're better right. off in probably a couple of months because Colin will Yep. sign or go back to work full time.","start_word":4603,"end_word":4652,"sentiment":"neutral","sentiment_score":0.01634678803384304},{"text":"That Beautiful. will make Beautiful. a great difference.","start_word":4653,"end_word":4660,"sentiment":"positive","sentiment_score":0.5761505961418152},{"text":"Yes. Well, actually, that's part of the reason it's taking a bit longer than you do his is that he wanted me to work on his full time wage, not the wage he's on now. So we're looking at trying to get trying to get more out to supplement some of the weight. So, hopefully, that'll make things a bit easier. But, yeah, just finish the research on that. So when we do it, we'll look at how things are, and Yes. we can always adjust if we need to. Okay. Yes. Yeah. No worries.","start_word":4661,"end_word":4755,"sentiment":"neutral","sentiment_score":-0.0027982990723103285},{"text":"Beautiful.","start_word":4756,"end_word":4756,"sentiment":"positive","sentiment_score":0.35795873403549194},{"text":"Bye. Beautiful. Asset wise, the main primary residence, I've got down asset value of about 450,000. Do you think that would have changed too much, or are you still happy with that valuation? Oh, I think that'll 500,000. It's hard to say. Because one minute you Yeah. stay around here and you think, oh, jeez. They got that much money for that house? Yeah. And then then another one, you can see that's going cheap. Like, around the corner from it, there's a little house that they had all done up. It's a little about the same age as this place, and they had done Yeah. it up. That was not a three bedroom with the board. But it's still in flood zone. Like, it's still the flood actually went through it. Yep. And they got 650,000 for that. Yeah. And then Wow. they went down to Greenbough, which is sort of down the road a bit, which is a really nice area into one of the best Yeah. streets in the town, and they bought a place then for 600. How does that work? Yeah. Wow. Yeah. I know. Insane. So I've been I'd say looking at some of the agency. Sorry. four so it's Yeah. a 450 to 500, I suppose. Yep. Yeah.","start_word":4757,"end_word":4971,"sentiment":"neutral","sentiment_score":0.02113865382622841},{"text":"Beautiful. Beautiful. All good.","start_word":4972,"end_word":4975,"sentiment":"positive","sentiment_score":0.5204960107803345},{"text":"Loan on the property, we still had around about that 60,000. Have you managed to drop that a little bit? Probably not with interest rates going back up. I can tell you exactly what I've got going Yes. to the day. You're right. We have paid a bit of it off. Oh, Because that's how good. we actually got a letter the other day saying your interest rates your payments are going down. That'll Oh, probably fantastic. change that'll probably change next week. But anyway, it was under 52,227. $2.27.","start_word":4976,"end_word":5065,"sentiment":"neutral","sentiment_score":0.03347986936569214},{"text":"Fantastic. Getting closer to owning it outright. Love that.","start_word":5066,"end_word":5074,"sentiment":"positive","sentiment_score":0.4645134508609772},{"text":"Oh, yeah. We we did a lot of work here to place here with major repairs here a while back, Yeah. and that would have been paid off by now if we hadn't had to do that. Oh, you get to enjoy it now, though. Yeah. That's right. It had to be done. Yeah. Yeah. So we're getting that one Beautiful. Beautiful. Savings word, we did have about 18,000 in there. Do you still have that, down. or has that dropped a bit? Yeah. Hang on. It's about to be absolutely decimated. We've got hold on a minute. I think we've only got about 9,000 in Yep. Beautiful. Update that for you. And then I've got the Nissan X Trail with a rough evaluation of 27,000. that prison. I guess. Yeah. That's I've got okay. no reason And to pay it for that. con I guess. yep. That's okay. We can we can leave it at that. Easy done. And content's still around $40,000 of value for content. Yeah. We did actually move it up to about 80 for insurance Mhmm. the other day. Yep.","start_word":5075,"end_word":5259,"sentiment":"neutral","sentiment_score":0.006972075439989567},{"text":"Beautiful.","start_word":5260,"end_word":5260,"sentiment":"positive","sentiment_score":0.41240525245666504},{"text":"Update that one for you.","start_word":5261,"end_word":5265,"sentiment":"neutral","sentiment_score":0.3051798939704895},{"text":"Excellent. Lovely.","start_word":5266,"end_word":5267,"sentiment":"positive","sentiment_score":0.4730156362056732},{"text":"Anything else that we might need to note I down that we don't have noted? think so. No. That's okay. I'm not All aware good. of anything like that. I haven't been given any massive diamonds or anything like that. No. No. Haven't won't load yet, obviously. We'll just keep trying for that one. If I win LOTA, you'll be the first to know. I'll rock up in more rooms. I'm like, I'm here. We're good. What do we wanna do? That's right. Yeah. Well, I'd pass out if I won the lotto. And then I I'd think put I would myself too. to probably pay me. Yeah. I think my husband would be like, we won't we won't. I'd be like, no.","start_word":5268,"end_word":5390,"sentiment":"neutral","sentiment_score":-0.09006418287754059},{"text":"We didn't. You're judging me.","start_word":5391,"end_word":5395,"sentiment":"negative","sentiment_score":-0.39118069410324097},{"text":"Surely. Well, we we had a friend, and I don't know if I told you this, but we had a friend oh, this is quite a few years ago now, but he Yeah. used to work for a air spraying firm, and he often has to go down around Adelaide Way and work down Yep. there for the company. And because he'd go away for five or six weeks, Yep. he always put in his lotto ticket lottery ticket. So he put in the lotto numbers or whatever it is. So he went into the news agency, I'll put these in for me. He said, you know you're gonna be doubled up one week. And the bloke said, alright.","start_word":5396,"end_word":5514,"sentiment":"neutral","sentiment_score":-0.10757312178611755},{"text":"Nothing I can do about it.","start_word":5515,"end_word":5520,"sentiment":"negative","sentiment_score":-0.3842886984348297},{"text":"Otherwise, I won't get them in, probably put them in. Well, blow me down. He won it, didn't he? Oh, That wow. week. And because he had two tickets in, he had he'd got 70,000. And then Oh, because wow. he had two tickets in it, he got a 140. Oh, wow. And he's What away, is and the odds? his wife rang, and she said, I've got no one else to tell them. Wow. He just Oh and he my told goodness. me, like, how how are you when you win the one one week you overlap, and that's when you win. Yeah. Oh my goodness. Oh, wow. Yeah. So it can happen, but I'm not gonna Yeah. I'm not gonna hold my breath. No. No. No. I'll be working till I can't anymore. That'll be the way. Yeah. Yeah. It's That's all right. good. I don't Is it keep gonna time. be We keep saying it works, you know. The the boss's wife said, oh, hey, Carrie. You're not you're gonna be working here for a while because my boss is 79. He's still working. Yeah. Wow. Wow. And and anyway, she said not I said not four years. That's all you got for years, and you won't see me for that. And I said, okay. So long ago, but four years, it's surprising how quick that will go. Yeah. Absolutely. No. I'll be here forever, and so I can't anymore.","start_word":5521,"end_word":5763,"sentiment":"neutral","sentiment_score":-0.0739594958262679},{"text":"I love my job. I love what I do.","start_word":5764,"end_word":5772,"sentiment":"positive","sentiment_score":0.6035958528518677},{"text":"I think if I won Lotto, no one would even know. I'd still just keep rocking up over there and keep working. Yeah. That's right. They're I want enough so I could you know, that not a huge amount. Just enough to do things. I'd keep working. You know, it is a good place to work, but I'm just ready. Yeah. People keep saying, what are you gonna do?","start_word":5773,"end_word":5841,"sentiment":"neutral","sentiment_score":0.1805853396654129},{"text":"You're gonna get so bored.","start_word":5842,"end_word":5846,"sentiment":"negative","sentiment_score":-0.3461883068084717},{"text":"I said, oh, no. I'm not. I've got a list already. Absolutely.","start_word":5847,"end_word":5858,"sentiment":"neutral","sentiment_score":-0.0787583440542221},{"text":"Oh, that's so, so good. I love that.","start_word":5859,"end_word":5866,"sentiment":"positive","sentiment_score":0.6085013151168823},{"text":"No. We'll make sure we keep reviewing things. Did you want me to do a bit of a review with you in the next sort of three or six months? How far between reviews do you want me to or catch up do you want for the year? I'm not worried. If you think it might be, you know, things sort of change a bit and you think it's necessary, just give me a call. Yep. But I can do that. yeah. Otherwise, you know, we we say, twice a year or something like that maybe. Yep. Yep.","start_word":5867,"end_word":5964,"sentiment":"neutral","sentiment_score":-0.0041827267910144765},{"text":"Perfect. For six months, I'll make the next one for you.","start_word":5965,"end_word":5975,"sentiment":"positive","sentiment_score":0.42115360498428345},{"text":"We'll do a bit of a catch up. If anything comes with the meantime, give us a call. Let me know.","start_word":5976,"end_word":5996,"sentiment":"neutral","sentiment_score":0.25387489795684814},{"text":"I'll book you a time to have a chat and go through things with you.","start_word":5997,"end_word":6011,"sentiment":"positive","sentiment_score":0.38411375880241394},{"text":"Any questions you have, it doesn't matter what the question is or anything big or small. If it's something you wanna talk to me about, I'll make time to talk to you about it.","start_word":6012,"end_word":6045,"sentiment":"neutral","sentiment_score":0.2564903795719147},{"text":"It's not an issue at all.","start_word":6046,"end_word":6051,"sentiment":"positive","sentiment_score":0.3671317398548126},{"text":"Hello? We'll get this advice done for Colin, and then we'll sort of see how things are going. For you both in six months. Do a bit of a maybe a joint catch up and see how it's all traveling. And if we need to adjust anything, we can do that for you guys. Okay? Yeah. That'd be good. Because things tend to, Yeah. you know, change from one minute to another lately. Absolutely. But Time to know what's gonna happen tomorrow, wouldn't it? oh, that's right. Sometimes it's better if you don't. Absolutely. Can I give you those card account details for where I want that money pulled in? Absolutely. I'm just gonna turn the recording off now. So you'll hear a bit of a beep. It's just Mhmm. and start one. Yep. Perfect. So the recording should be off now. So what's the account number there for me? It's BSB48479 Four eight four. 9, Yep. and Seven the account nine is 9. 6 Yep. is the account is 604 Yep. 792 Mhmm. 238. 238. I'll just read that back to you. It's BSC484799, and Mhmm. the account number is 604792238. Yes. Yep.","start_word":6052,"end_word":6245,"sentiment":"neutral","sentiment_score":0.061322759836912155},{"text":"Perfect.","start_word":6246,"end_word":6246,"sentiment":"positive","sentiment_score":0.4440227150917053},{"text":"I'll get that done for you this afternoon, and I'll get that done account nomination form off to you. I'm not in tomorrow, but as soon as I'm back on Monday, if you sign it and send it back to me, I'll get that sorted for you Monday. Is that okay? Yeah.","start_word":6247,"end_word":6298,"sentiment":"neutral","sentiment_score":0.10715041309595108},{"text":"Nice cream, Hari.","start_word":6299,"end_word":6301,"sentiment":"positive","sentiment_score":0.4680488109588623},{"text":"That'll Yep. be fine.","start_word":6302,"end_word":6305,"sentiment":"neutral","sentiment_score":0.32046571373939514},{"text":"Perfect. Lovely.","start_word":6306,"end_word":6307,"sentiment":"positive","sentiment_score":0.5516893267631531},{"text":"I'm just gonna turn a recording back on now for you there, Carrie, so you'll hear another Mhmm. beep. That Yep. should have worked.","start_word":6308,"end_word":6331,"sentiment":"neutral","sentiment_score":0.16079363226890564},{"text":"Beautiful. Lovely. Love it when All something good.","start_word":6332,"end_word":6339,"sentiment":"positive","sentiment_score":0.5786586403846741},{"text":"works. I Ask me too. Especially technology. I'm really good at numbers and math and all the other bits and pieces, but technology when a computer or a printer doesn't work, it is the end of the world, I tell you what. I had 09:00 the other morning. The phone was ringing off. You have people ring up first thing. And I'm trying Yes. to get my computer to wake up in the end. This person wanted an appointment. And I said, yeah. We'll put you in for this time, and I'll ring you back if there's a problem because I couldn't get the damn thing open every time you have password for everything. Oh, Oh, so slow. yeah. And two factor authentication. Yeah. Yeah. Oh, you know, it's crazy. I think think look at what I'm going into. You've gotta kidding. What are you saving the world from? No. That's it. That's exactly right.","start_word":6340,"end_word":6494,"sentiment":"neutral","sentiment_score":-0.03279690816998482},{"text":"All good.","start_word":6495,"end_word":6496,"sentiment":"positive","sentiment_score":0.3373430669307709},{"text":"Well, the last thing to do is to send through your annual review pack to you. So I will send through Michelle will send that through to you. It'll have your ongoing service agreement for the next twelve months. So because you and Colin are both on board, your ongoing service fee is reduced to 1.1%. I'll make sure it stays that, and we provide it across both the accounts there. Mhmm. Mhmm. The it'll have the reports that I've gone through, so just a couple of portfolio reports to run your eyes over. Just to kinda give you an idea of the things I've gone through. I'll also have attached to that the financial services guide and a couple of just legal documents we'd like to attach their compliance documents for you to review as well. If you find you have any questions in relation to any of those documents, just feel free to let me know. Okay? Yep. No problem. No worries.","start_word":6497,"end_word":6660,"sentiment":"neutral","sentiment_score":0.07492887237813414},{"text":"Easy. Thank you very much. All all good. That's okay.","start_word":6661,"end_word":6670,"sentiment":"positive","sentiment_score":0.581139326095581},{"text":"It wasn't a huge update today, and I was sort of just looking to see how things go. Everything's kind of the implementation sort of not long been sort of set up and completed. So it's a bit of a matter of just watching to see how things go, keep reviewing everything, and just making sure it all continues to work. And then once we get through this volatile time with The US and Iran and what's happening here with the, you know, inflation rates and things like that, then we'll sort of see how things are tracking. So just give it Yes. another six months to see how we're tracking what's happening. If if there's any changes in your life that you think are affecting it, let me know, and we can always look to adjust that for you as well. Okay? No worries. Okeydokey. All That good.","start_word":6671,"end_word":6819,"sentiment":"neutral","sentiment_score":0.05564345419406891},{"text":"sounds Well, cool. thank you so much for your time. All good. I'll let you go to have a bit of a rest. I hope you get a good night's sleep and feel better.","start_word":6820,"end_word":6853,"sentiment":"positive","sentiment_score":0.49789074063301086},{"text":"Yeah. That's I think that's all that I needed was a good sleep. But anyway well, Yeah. you look you Yeah. look after you and yours, and I suppose it's I beautiful will. weather up there at present. It it was today. We've had nothing but rain the past few weeks. I feel the rain we've had, you should have down there. But We it's have been a little rain horrible so dry. and off and on. Yeah. Yeah. And then we had Gotta send we've it your had way. 28 degrees, 26 degrees. Hit 20 today going no. Yeah. 20 is going down to 18 tomorrow. And then with me this time Yeah. next week, we're back up to 26. Yeah. Crazy. But anyway, we've gotta get cold sometime, I suppose. Oh, yeah. No. Absolutely. We'll look look after yourself. I'll get myself a call shortly and book him in for his preso, and we'll Mhmm. make sure things are working for you and update everything. I should probably let you know as well because I've been with the company for a while. They've given me a book of clients that you and Carl are on my specific book. That means that you only deal with me until you decide you don't like me anymore, which is honestly fine. And it means that Michelle will be the one who gives you guys a call whenever she needs anything or books you in or, you know, doesn't update with me. She's Yes. my my little admin now, so she'll be the one that you guys talk to more regularly with myself and her. Yep.","start_word":6854,"end_word":7127,"sentiment":"neutral","sentiment_score":0.04165136253964292},{"text":"So it'll be really good. We just wanna make sure that we get give you guys consistency moving forward.","start_word":7128,"end_word":7146,"sentiment":"positive","sentiment_score":0.3433418273925781},{"text":"And if at any point I'm not living up to your expectations, Yes. let me know because I have very high expectations. And if I'm not meeting them, I'll work harder to to make sure we get there. Okay? No. So far, so very, very good. So Oh, yeah. No. thank That's you. been doing good. No worries. Yeah. All I've good. spoken Well, to I Michelle a couple of times.","start_word":7147,"end_word":7217,"sentiment":"neutral","sentiment_score":0.01105386670678854},{"text":"She's lovely.","start_word":7218,"end_word":7219,"sentiment":"positive","sentiment_score":0.4994064271450043},{"text":"oh, isn't she beautiful?","start_word":7220,"end_word":7223,"sentiment":"neutral","sentiment_score":0.23074248433113095},{"text":"I just love her.","start_word":7224,"end_word":7227,"sentiment":"positive","sentiment_score":0.45360609889030457},{"text":"She's my, she's my admin. She's been in this kind of role for a lot of years, so she's been learning a lot about it.","start_word":7228,"end_word":7252,"sentiment":"neutral","sentiment_score":0.2249792516231537},{"text":"But, yeah, she honestly just tries everything, takes everything on board. She's just so wonderful to talk to.","start_word":7253,"end_word":7270,"sentiment":"positive","sentiment_score":0.5138150453567505},{"text":"So yeah. No.","start_word":7271,"end_word":7273,"sentiment":"neutral","sentiment_score":0.21307316422462463},{"text":"It's fantastic. Really happy with her. She's learning a lot, and she really enjoys calling all of our clients.","start_word":7274,"end_word":7292,"sentiment":"positive","sentiment_score":0.5268521308898926},{"text":"So yeah. Yeah.","start_word":7293,"end_word":7295,"sentiment":"neutral","sentiment_score":0.2135918885469437},{"text":"Oh, that's good. That's good.","start_word":7296,"end_word":7300,"sentiment":"positive","sentiment_score":0.34585750102996826},{"text":"Yeah. Yeah. All good. Okay. Well, I'll let Alright. you go Well, home I'll so you can get some dinner at some stage.","start_word":7301,"end_word":7323,"sentiment":"neutral","sentiment_score":0.15613119304180145},{"text":"thank you. I'll let you go to have a good rest. I hope you Yeah. feel Thank better you.","start_word":7324,"end_word":7342,"sentiment":"positive","sentiment_score":0.5282145738601685},{"text":"soon, Carrie.","start_word":7343,"end_word":7344,"sentiment":"neutral","sentiment_score":0.2744108736515045},{"text":"I hope you have a Yeah. good weekend.","start_word":7345,"end_word":7352,"sentiment":"positive","sentiment_score":0.43310388922691345},{"text":"No. I'll be I'll be good again.","start_word":7353,"end_word":7359,"sentiment":"neutral","sentiment_score":0.23732957243919373},{"text":"Oh, that's why we got a birthday party this weekend.","start_word":7360,"end_word":7369,"sentiment":"positive","sentiment_score":0.42152082920074463},{"text":"The baby's grandson turns two. So we've got Yeah. a Oh, that's hiding so the beautiful.","start_word":7370,"end_word":7385,"sentiment":"neutral","sentiment_score":0.2114361822605133},{"text":"Oh, that's so lovely.","start_word":7386,"end_word":7389,"sentiment":"positive","sentiment_score":0.7485291361808777},{"text":"Oh, and I'll make sure I get this pot. this bank account nomination form done for you straight after the call so it comes No out worries. to you to sign tonight. Okay? Okay.","start_word":7390,"end_word":7423,"sentiment":"neutral","sentiment_score":0.1820913851261139},{"text":"Thank you very much. My pleasure, Carrie. Take care. Talk to you soon. See you later. See you.","start_word":7424,"end_word":7441,"sentiment":"positive","sentiment_score":0.5732704401016235},{"text":"Bye.","start_word":7442,"end_word":7442,"sentiment":"neutral","sentiment_score":0.22821006178855896},{"text":"Thanks.","start_word":7443,"end_word":7443,"sentiment":"positive","sentiment_score":0.5246708989143372},{"text":"Bye.","start_word":7444,"end_word":7444,"sentiment":"neutral","sentiment_score":0.283119261264801}],"average":{"sentiment":"neutral","sentiment_score":0.01881959087577834}}}}