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Yes. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, plea? Yep. Just your address as well, please. Yep. Perfect. That's exactly what I have here. And how's your day been? Been busy? Oh, lovely. Now I will try not to keep you for too long. But before I do jump into things, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any specific questions or whether it's just a bit of a catch up and see how everything is going? Sure. Yeah. Of course. Yes. Can you hear me? Yeah. Yeah. I can hear you okay. Can you hear me? Mhmm. Yep. Yes. Yep. And that is yep. That's a bit up and down. Yeah. No. That is fair. So we can start there. Now do you have access to your emails at the moment or not really right now? No. No. That's okay. Now what I have done is I have sent you an email with some documents to go through. Now I can definitely go through them with you kind of briefly over the phone, which does touch on your super and your investments, a couple of other things as well. And then later when you have a moment or when you have access to a computer or, obviously, when you're not speaking to me on the phone, have a look through them. And if you then have any questions, you can just me now. Would that be okay? Yeah. Yes. Exactly. So let me just make sure that's all was sent okay. Let's see here. Let me just triple check because you never know with technology. Sometimes it's really good, and other times, not so much. So let me just have a bit of a look here for you. Now it does look like everything didn't come through. So what what I might do, just disregard that one. Now everyone else have left for the day, but I'll go through the documents with you. And then tomorrow, when IT and everything is back in the office, I will get the documents emailed to you. So keep a look at no. Because it looks like what was sent was just one of that. It wasn't actually all the documents. Yes. If you do see something come through tonight, just disregard it. You will get the new updated one tomorrow, if that's okay. Yeah. Perfect. Now when you do have a look through your document, so tomorrow when it does come through, it will give you a a breakdown of your situation. So there are a couple of documents there for you. Now one of them is a breakdown of your superannuation. So when you do have a a look at it, you will see that you have your superannuation with Netwealth. Now you have, at the moment, a $130,419 in there. Okay? And you don't have any insurances. And you're still comfortable and happy without insurances? What? Yeah. So there are a lot of different type of covers for insurances. So you can have life insurance. Life insurance will be for the purpose of of if something were to happen to you, that would then be left to your loved ones or whoever you wanna give it to. You then you then have total permanent disability insurance, and now that is for you. So that is if something were to happen to you and you can never go back to work again, it is then an insurance policy to cover you for the loss of income because you cannot work. You also have sorry. Did you have a question? Nope. You also have income protection. Now income protection is where you will temporarily replace your income if you are unable to work. So TPD, total permanent disability, is where you can never go back to work again, and you need to have two doctors to sign off on the fact that you can never return to work. That one is obviously a lot more severe, whereas income protection is just temporarily. And that can cover, yeah, up to 70% of your income on a monthly basis to support financially if something were to happen. And then the last yeah. No. That's okay. No. And that is perfectly fine. It is something I just need to check just to make sure you you you don't understand, and that is no problem. It's completely up to you. And if you don't feel like you need to or pay for it, that is completely fine. No. That's okay. Now when it comes to your superannuation investments as well, So what I will do is run through just a bit of an updated risk profile questionnaire with you first just to see if your risk tolerance or anything has changed when it comes to your investment, if we need to make any changes to your investment. So it is just multiple choice to make it nice and easy, and there is no right or wrong answer. It's just whatever you feel you are the most comfortable with. Does that make sense? Yep. Perfect. Now have you ever bought direct shares on the stock market yourself? Nope. Perfect. And when it comes to accessing superannuation, do you have any idea at the moment of when you are planning on retiring or drawing an income from superannuation? Not for another ten years. No problem. And when you do retire, do you have an idea of, like, a a weekly amount that you would like to draw from super to support you and your your finances and everything? No. That's okay. I do have here from last time we spoke to you, you were aiming for about a thousand dollars a week to help support, that would be about the same? Yes. Okay. Great. Perfect. Otherwise, when it comes to how much risk you are willing to take for your superannuation. Now would you say where you are at currently that you would be willing to accept very high risk for superannuation to grow it, high, moderate, or a small amount of risk? High to moderate. Okay. Perfect. And when it comes to volatility, so fluctuations in the market, now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market. So let's say not one particular investment, just the market as a whole. Would you, if you had the option to do so, think that, well, now is potentially a good time to invest while the prices are down so you'd put a little bit more in? Would you just kind of hold and kind of wait and assess what happened, Or would you want to sell and then move through a little bit more secure assets, so that means you are then selling when the prices have already dropped? Does that make sense? Yep. Okay. Correct. Yep. Okay. Perfect. No. And the next one here is in regards to fluctuations. So whether that's your superannuation or any other assets that's fluctuated. Now if if it ever dropped in value temporarily, would you say that you would feel optimistic about potential investment opportunities, a bit more kind of neutral, not making further investments, or do you think that would make you quite concerned or anxious? Yep. Yep. Yep. Yep. Perfect. And that's a very sensible way. Now the last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest in the share market? No. No. Would you ever consider taking out a loan to buy an investment property? Yep. Okay. Perfect. Now that tells me here that you have come out as a growth investor, which at the moment is the portfolio that we do have you invested in, which is good. Now do you remember what it means to be a growth investor at all? Yep. That is perfectly fine. To be fair, I would say nine out of 10 people say the same. They're like, oh, yep. No. And that is fine. Now, basically, a growth investor typically is someone who is looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time until you wanna access that money. It's also someone who is willing and understand that there will be some short term fluctuations in the market in order to tryna achieve that growth. Because, typically speaking, you have 80% of the money invested in what we would call your growth assets. Now these are things like Australian shares, international shares, but also property and commodities, and that is ultimately what's going to grow that super the most for you. And then about 20% in defensive. Now this would be things like cash, fixed interest, and gold as well. So we're trying to limit fluctuations a little bit, but the main focus is to grow your super, especially if you do have a little bit longer until you wanna access it. Now when it also comes to a time frame, sorry, it's also important through factoring in time frame so that you have enough time in the market for when you wanna access your super for those short term fluctuations to come back around. So it's not that you wanna access your money tomorrow, and there's a bit of fluctuations at that time. So in a growth portfolio, typically, we would like to see at least six years until retirement. So if you are planning on kind of working for the next ten years from a time frame point of view. Yeah. Of course. No. No. Are you okay? Do you need some water or anything? Oh, that's really annoying for you. Well, if you need to again, just interrupt me. Okay? Yeah. That's okay. So, yeah, like I was saying, from a time frame, a growth portfolio is a good position because you still have more than six years until retirement as long as you are still comfortable seeing, you know, a bit of those short term fluctuations, as long as long term it continues to grow for you. Yep. Okay. Perfect. Now when it comes to your investments as well, so in the email tomorrow, it will give you a bit of a rundown of all your investments. So it will show you over the last twelve months. Now it might look a little bit messy, but it breaks down all your individual investments. So it shows you all your individual investment and how they have performed. Now do have a look at it. You will see that one of your previous investment was down. So that has a negative in front of it. All the other investments were positive. Now we sent you an email in I think it was the March 13 in regards to making an investment switch for you to be proactive with, obviously, the market changes. Did you get that email by any chance? It wasn't anything you fine. No. Yeah. No. Okay. And that is perfectly fine. It wasn't anything you had to sign. It was just for your reference. And, basically, what it did is that the investment committee makes, obviously, research on all the investments all the time. Things fluctuate. Sometimes things go down. Sometimes things obviously go up. But at the same time, if we do a lot of research on an investment and we foresee that it might not be the best option moving forward, Or if it is underperforming a little bit, we also wanna be proactive with making a change and making sure that we do have you in the best options possible. So, yeah, so what that email was for just for your reference, it was to let you know that the one investment that was down, which was your Benelon Australian equity, have been switched out for another option, which is called the BetaShares Australia two 100. Just a quick overview for you. It is just replacing one Australian investment with another one because we do wanna make sure we keep the the portfolio as a whole very diversified for you. And if we take one market out, we wanna replace it with something similar. But what the investment committee did as well is researching options that was performing a little bit better, but it was also a little bit cheaper because the style of investment is a little bit different to the Bennelong. Whereas the Bennelong investment, they are trying to kind of actively buy and sell different investments in order to try to outperform the market. Now sometimes that works out really well, and they had been doing really well, which is why it was added to your portfolio to start with. But, yeah, like I said, more recently, they've been a little bit slower or underperforming. So the investment committee changed that for you through the BetaShares Australia two hundred, and that one essentially focuses on investing in the 200 largest companies listed in Australia. So very diversified, all the banks. It has Woolworths. It has BHP and stuff for you. Does that make sense? Yeah. Yeah. That's okay. Yep. Yep. Yeah. And that is perfectly fine, and that's ultimately what we're here for at the end of the day. But, basically, for you, when you do have a look at the report, you will see that one investment, like I said, was down. It has been switched out for you already. So moving forward, it should be a little bit smoother for you and see things moving in the right direction, especially when we are having a bit of fluctuations in the market. So that's great. Now, otherwise, in the email tomorrow when it comes through is that you will also have two compliance forms. Now you would have seen this one before. It is just an updated financial services guide. It is one of those documents that gives you all the important information in regards to us here at Oakview for you. None of the important information has changed. But as you have a read through it, you will see that we've had a bit of an extension to the team, which is great, and also a bit of an updated marketing. So when you do have a look through the documents tomorrow or whenever you have a moment, if as you scroll through, you will also see a photo of myself if you do wanna put a face to the voice. Yeah. Mhmm. No. That's okay. Now there are two more client. Now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from super, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract, no exit fees or anything like that, but this just makes sure that we can keep service your account and everything like that for you in the meantime. No. That's okay. Now for next annual review as well or when you do and when you do later turn 60, there are a lot of really different strategies we can have a look and do for you that kind of optimizes tax by drawing some tax free money from super while putting some in. So when you do get to 60, there are really, yeah, a lot of different strategies we can do to kind of optimize your position a little bit further, which is great, the way things are working. But that will be, like, a a next year a next year thing. But we can, yeah, so we can then review that for you, which which is great. And now the other thing the other form, sorry, that we will ask you to sign if you're happy to do so, it is just a compliance form, and it is just a tax file number form. And that is just to say that we are keeping your tax file number secure and safe on file. Does that all make sense? Yep. Perfect. Now those are all the documents that you will receive tomorrow. So keep a lookout for your inbox. Any questions on the documents or anything like that, just let me know. The other thing I do need to run quickly through with you before I let you go and enjoy the rest of your afternoon or evening, I should say, It's just a bit of an update. It's fine just to see if there's anything major that has changed in your life, if we need to make any changes to your advice at all. So I'll tryna make it quick. Yeah? I'll tryna make it. Yeah. So if I it's a personal information. I have you down here as single with no financial dependent. Your son is older. Is that correct? Yep. Perfect. Okay. He's still so he's technically he is financial dependent. That's okay because if he's living at home and stuff. Yep. Like, support. Yeah. Yeah. Yep. And next up, Ken, I don't actually have someone nominated. Now this can be anybody. So it is just someone if for some reason we cannot get in touch with you at all, it is someone that we could contact and just make sure you're okay, and that can be anyone. Do you have do you have any of course. Of course. Of course, you can. And there is no obligations for them to do anything. It is just a matter of someone that we can call as a next of kin. Now email wise, do you you have you you have our email address okay? R one. So when you do when you have a chance to have spoken to your your kids, if they are yes. Yes. Yes. Exactly. Yep. Perfect. And then mhmm. Yes. Okay. Perfect. Yep. I'm still working as a teacher, though? Yep. Perfect. And what kind of teacher are you? Yeah. And how do you find that? Oh, that's good. What you might notice, obviously, being an English teacher that I do have a bit of an accent. So if you do pick up on it, I am Swedish originally. So if you do hear a little bit, that is why. Now, otherwise, income wise, that may have changed obviously for you. Sorry. We had here down a 120. Do you know where that's changed to now? That's okay. Yep. That's our time. No. Just a big payoff. That's okay. I'll just put it used to be one 20. Yes. Yes. Yep. Yes. Okay. No. That is no problem. I'll just make a little note on that. That is no problem. Now do you know, though, that your employer, do they pay you that standard 12% contributions interest, or do you know if you have, like, a special enterprise bargain agreement that gives you entitlement more? To stand it. Yep. Okay. Perfect. Just a normal. Now asset wise, I have here that you have a motor vehicle ride at about 15,000. Is that still the case? Perfect. And you didn't have anything owing on that one, do you? No. Great. Now do you have any other assets or changes in the last twelve months? No. Perfect. And any other liabilities, like personal loans or credit cards or anything like that? Nope. Yep. Okay. And do you know how much he's owing on the credit card by any chance? Okay. Yep. Perfect. Now when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case? Yep. Perfect. Yeah. Just as every now and then. And have you had any significant health issues or injuries or anything in the last twelve months? Alright. Great. And do you have private health insurance? Yep. And that is hospital as well? Yep. Okay. Perfect. And the last thing is just estate planning wise. Do you have a will or power of attorney or anything like that in place? Nope. Nope. Kind of on the to do list. Yep. That's okay. Most people are the same. It's just that's fine. Every little review is just a little reminder. Now if when you do get around to it, obviously, I know things are a little bit crazy for you coming back from holiday. If you would like us to send you any information about from a from a firm that we work with closely, If you do need assistance having a look at a will of power of attorney, I think just let us know, or we can always click that through to you. Yep. No. That's okay. Now I do also wanna text. So when it comes to superannuation, so in the event that something were to happen to you, you do currently have three nominations on an equal split. Yeah. Now are those three your children? Yep. Beautiful. And you're still happy with that? Yep. Yep. Great. Perfect. Now it is still a non lapsing option, so that stays in place until you decide to change it, which is great. So no changes needed on that end. The last thing to kind of touch base on usually doing annual reviews, which is good to know, is just kind of goals, the stuff that you are working towards so that you are wanting to achieve. Now I know again that you kind of came back, so things are a little bit all over the shop at the moment, which is perfectly understandable. But when we spoke to you last time, your your focus in kind of, like, the medium term was to potentially build a yoga studio. Is that still something that you are kind of planning on doing? Yeah. Yep. Yes. Yep. Okay. Yeah. Mhmm. Okay. Yep. Yeah. Gave me a bit more security. And do you have a mortgage broker? Have you ever spoken to a mortgage broker or anything? No. Oh, yes. Yep. Okay. Perfect. And if when when when time comes around to it, if you would like, just let us know because we have, some mortgage brokers that we work with very closely that would be happy to give you a call and do a bit of an assessment and seeing, you know, how much you could borrow and what that might look like. So if you do need that assistance, just just give us a call, and we're more than happy to, get them to reach out to you. No. That's okay. Now that was basically everything that I kind of needed to touch on on my end. But do you have any other questions for me at this point? Nope. Oh, good. Yep. Okay. Yes. Decision. Yes. Okay. Beautiful. Now like I said, I will let the team know about the little glitch in IT. They will send you the documents tomorrow. Keep a lookout for your email. Take your time. Have a have a read over. Any questions, like I said, just send us an email, give me a call, and we can always go through them and take things from there. Yep. Mhmm. No problem at all. I appreciate your time with me this afternoon as well, and I hope you enjoy the rest of your afternoon or evening. No worries. We'll speak soon. 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OQ Financial. Good afternoon. This is Veronica from Workview Financial. How are you? No.\n\nThat's all good. I had you booked in for your annual review. Is now still a good time for you? Yes. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, plea? Yep. Just your address as well, please.\n\nYep. Perfect. That's exactly what I have here. And how's your day been? Been busy?\n\nOh, lovely. Now I will try not to keep you for too long. But before I do jump into things, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any specific questions or whether it's just a bit of a catch up and see how everything is going? Sure. Yeah.\n\nOf course. Yes. Can you hear me? Yeah. Yeah.\n\nI can hear you okay. Can you hear me? Mhmm. Yep. Yes.\n\nYep. And that is yep. That's a bit up and down. Yeah. No.\n\nThat is fair. So we can start there. Now do you have access to your emails at the moment or not really right now? No. No.\n\nThat's okay. Now what I have done is I have sent you an email with some documents to go through. Now I can definitely go through them with you kind of briefly over the phone, which does touch on your super and your investments, a couple of other things as well. And then later when you have a moment or when you have access to a computer or, obviously, when you're not speaking to me on the phone, have a look through them. And if you then have any questions, you can just me now.\n\nWould that be okay? Yeah. Yes. Exactly. So let me just make sure that's all was sent okay.\n\nLet's see here. Let me just triple check because you never know with technology. Sometimes it's really good, and other times, not so much. So let me just have a bit of a look here for you. Now it does look like everything didn't come through.\n\nSo what what I might do, just disregard that one. Now everyone else have left for the day, but I'll go through the documents with you. And then tomorrow, when IT and everything is back in the office, I will get the documents emailed to you. So keep a look at no. Because it looks like what was sent was just one of that.\n\nIt wasn't actually all the documents. Yes. If you do see something come through tonight, just disregard it. You will get the new updated one tomorrow, if that's okay. Yeah.\n\nPerfect. Now when you do have a look through your document, so tomorrow when it does come through, it will give you a a breakdown of your situation. So there are a couple of documents there for you. Now one of them is a breakdown of your superannuation. So when you do have a a look at it, you will see that you have your superannuation with Netwealth.\n\nNow you have, at the moment, a $130,419 in there. Okay? And you don't have any insurances. And you're still comfortable and happy without insurances? What?\n\nYeah. So there are a lot of different type of covers for insurances. So you can have life insurance. Life insurance will be for the purpose of of if something were to happen to you, that would then be left to your loved ones or whoever you wanna give it to. You then you then have total permanent disability insurance, and now that is for you.\n\nSo that is if something were to happen to you and you can never go back to work again, it is then an insurance policy to cover you for the loss of income because you cannot work. You also have sorry. Did you have a question? Nope. You also have income protection.\n\nNow income protection is where you will temporarily replace your income if you are unable to work. So TPD, total permanent disability, is where you can never go back to work again, and you need to have two doctors to sign off on the fact that you can never return to work. That one is obviously a lot more severe, whereas income protection is just temporarily. And that can cover, yeah, up to 70% of your income on a monthly basis to support financially if something were to happen. And then the last yeah.\n\nNo. That's okay. No. And that is perfectly fine. It is something I just need to check just to make sure you you you don't understand, and that is no problem.\n\nIt's completely up to you. And if you don't feel like you need to or pay for it, that is completely fine. No. That's okay. Now when it comes to your superannuation investments as well, So what I will do is run through just a bit of an updated risk profile questionnaire with you first just to see if your risk tolerance or anything has changed when it comes to your investment, if we need to make any changes to your investment.\n\nSo it is just multiple choice to make it nice and easy, and there is no right or wrong answer. It's just whatever you feel you are the most comfortable with. Does that make sense? Yep. Perfect.\n\nNow have you ever bought direct shares on the stock market yourself? Nope. Perfect. And when it comes to accessing superannuation, do you have any idea at the moment of when you are planning on retiring or drawing an income from superannuation? Not for another ten years.\n\nNo problem. And when you do retire, do you have an idea of, like, a a weekly amount that you would like to draw from super to support you and your your finances and everything? No. That's okay. I do have here from last time we spoke to you, you were aiming for about a thousand dollars a week to help support, that would be about the same?\n\nYes. Okay. Great. Perfect. Otherwise, when it comes to how much risk you are willing to take for your superannuation.\n\nNow would you say where you are at currently that you would be willing to accept very high risk for superannuation to grow it, high, moderate, or a small amount of risk? High to moderate. Okay. Perfect. And when it comes to volatility, so fluctuations in the market, now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market.\n\nSo let's say not one particular investment, just the market as a whole. Would you, if you had the option to do so, think that, well, now is potentially a good time to invest while the prices are down so you'd put a little bit more in? Would you just kind of hold and kind of wait and assess what happened, Or would you want to sell and then move through a little bit more secure assets, so that means you are then selling when the prices have already dropped? Does that make sense? Yep.\n\nOkay. Correct. Yep. Okay. Perfect.\n\nNo. And the next one here is in regards to fluctuations. So whether that's your superannuation or any other assets that's fluctuated. Now if if it ever dropped in value temporarily, would you say that you would feel optimistic about potential investment opportunities, a bit more kind of neutral, not making further investments, or do you think that would make you quite concerned or anxious? Yep.\n\nYep. Yep. Yep. Perfect. And that's a very sensible way.\n\nNow the last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest in the share market? No. No. Would you ever consider taking out a loan to buy an investment property?\n\nYep. Okay. Perfect. Now that tells me here that you have come out as a growth investor, which at the moment is the portfolio that we do have you invested in, which is good. Now do you remember what it means to be a growth investor at all?\n\nYep. That is perfectly fine. To be fair, I would say nine out of 10 people say the same. They're like, oh, yep. No.\n\nAnd that is fine. Now, basically, a growth investor typically is someone who is looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time until you wanna access that money. It's also someone who is willing and understand that there will be some short term fluctuations in the market in order to tryna achieve that growth. Because, typically speaking, you have 80% of the money invested in what we would call your growth assets. Now these are things like Australian shares, international shares, but also property and commodities, and that is ultimately what's going to grow that super the most for you.\n\nAnd then about 20% in defensive. Now this would be things like cash, fixed interest, and gold as well. So we're trying to limit fluctuations a little bit, but the main focus is to grow your super, especially if you do have a little bit longer until you wanna access it. Now when it also comes to a time frame, sorry, it's also important through factoring in time frame so that you have enough time in the market for when you wanna access your super for those short term fluctuations to come back around. So it's not that you wanna access your money tomorrow, and there's a bit of fluctuations at that time.\n\nSo in a growth portfolio, typically, we would like to see at least six years until retirement. So if you are planning on kind of working for the next ten years from a time frame point of view. Yeah. Of course. No.\n\nNo. Are you okay? Do you need some water or anything? Oh, that's really annoying for you. Well, if you need to again, just interrupt me.\n\nOkay? Yeah. That's okay. So, yeah, like I was saying, from a time frame, a growth portfolio is a good position because you still have more than six years until retirement as long as you are still comfortable seeing, you know, a bit of those short term fluctuations, as long as long term it continues to grow for you. Yep.\n\nOkay. Perfect. Now when it comes to your investments as well, so in the email tomorrow, it will give you a bit of a rundown of all your investments. So it will show you over the last twelve months. Now it might look a little bit messy, but it breaks down all your individual investments.\n\nSo it shows you all your individual investment and how they have performed. Now do have a look at it. You will see that one of your previous investment was down. So that has a negative in front of it. All the other investments were positive.\n\nNow we sent you an email in I think it was the March 13 in regards to making an investment switch for you to be proactive with, obviously, the market changes. Did you get that email by any chance? It wasn't anything you fine. No. Yeah.\n\nNo. Okay. And that is perfectly fine. It wasn't anything you had to sign. It was just for your reference.\n\nAnd, basically, what it did is that the investment committee makes, obviously, research on all the investments all the time. Things fluctuate. Sometimes things go down. Sometimes things obviously go up. But at the same time, if we do a lot of research on an investment and we foresee that it might not be the best option moving forward, Or if it is underperforming a little bit, we also wanna be proactive with making a change and making sure that we do have you in the best options possible.\n\nSo, yeah, so what that email was for just for your reference, it was to let you know that the one investment that was down, which was your Benelon Australian equity, have been switched out for another option, which is called the BetaShares Australia two 100. Just a quick overview for you. It is just replacing one Australian investment with another one because we do wanna make sure we keep the the portfolio as a whole very diversified for you. And if we take one market out, we wanna replace it with something similar. But what the investment committee did as well is researching options that was performing a little bit better, but it was also a little bit cheaper because the style of investment is a little bit different to the Bennelong.\n\nWhereas the Bennelong investment, they are trying to kind of actively buy and sell different investments in order to try to outperform the market. Now sometimes that works out really well, and they had been doing really well, which is why it was added to your portfolio to start with. But, yeah, like I said, more recently, they've been a little bit slower or underperforming. So the investment committee changed that for you through the BetaShares Australia two hundred, and that one essentially focuses on investing in the 200 largest companies listed in Australia. So very diversified, all the banks.\n\nIt has Woolworths. It has BHP and stuff for you. Does that make sense? Yeah. Yeah.\n\nThat's okay. Yep. Yep. Yeah. And that is perfectly fine, and that's ultimately what we're here for at the end of the day.\n\nBut, basically, for you, when you do have a look at the report, you will see that one investment, like I said, was down. It has been switched out for you already. So moving forward, it should be a little bit smoother for you and see things moving in the right direction, especially when we are having a bit of fluctuations in the market. So that's great. Now, otherwise, in the email tomorrow when it comes through is that you will also have two compliance forms.\n\nNow you would have seen this one before. It is just an updated financial services guide. It is one of those documents that gives you all the important information in regards to us here at Oakview for you. None of the important information has changed. But as you have a read through it, you will see that we've had a bit of an extension to the team, which is great, and also a bit of an updated marketing.\n\nSo when you do have a look through the documents tomorrow or whenever you have a moment, if as you scroll through, you will also see a photo of myself if you do wanna put a face to the voice. Yeah. Mhmm. No. That's okay.\n\nNow there are two more client. Now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from super, and it is not a lock in contract. So if at any point in time you are not happy, it is not a lock in contract, no exit fees or anything like that, but this just makes sure that we can keep service your account and everything like that for you in the meantime. No. That's okay.\n\nNow for next annual review as well or when you do and when you do later turn 60, there are a lot of really different strategies we can have a look and do for you that kind of optimizes tax by drawing some tax free money from super while putting some in. So when you do get to 60, there are really, yeah, a lot of different strategies we can do to kind of optimize your position a little bit further, which is great, the way things are working. But that will be, like, a a next year a next year thing. But we can, yeah, so we can then review that for you, which which is great. And now the other thing the other form, sorry, that we will ask you to sign if you're happy to do so, it is just a compliance form, and it is just a tax file number form.\n\nAnd that is just to say that we are keeping your tax file number secure and safe on file. Does that all make sense? Yep. Perfect. Now those are all the documents that you will receive tomorrow.\n\nSo keep a lookout for your inbox. Any questions on the documents or anything like that, just let me know. The other thing I do need to run quickly through with you before I let you go and enjoy the rest of your afternoon or evening, I should say, It's just a bit of an update. It's fine just to see if there's anything major that has changed in your life, if we need to make any changes to your advice at all. So I'll tryna make it quick.\n\nYeah? I'll tryna make it. Yeah. So if I it's a personal information. I have you down here as single with no financial dependent.\n\nYour son is older. Is that correct? Yep. Perfect. Okay.\n\nHe's still so he's technically he is financial dependent. That's okay because if he's living at home and stuff. Yep. Like, support. Yeah.\n\nYeah. Yep. And next up, Ken, I don't actually have someone nominated. Now this can be anybody. So it is just someone if for some reason we cannot get in touch with you at all, it is someone that we could contact and just make sure you're okay, and that can be anyone.\n\nDo you have do you have any of course. Of course. Of course, you can. And there is no obligations for them to do anything. It is just a matter of someone that we can call as a next of kin.\n\nNow email wise, do you you have you you have our email address okay? R one. So when you do when you have a chance to have spoken to your your kids, if they are yes. Yes. Yes.\n\nExactly. Yep. Perfect. And then mhmm. Yes.\n\nOkay. Perfect. Yep. I'm still working as a teacher, though? Yep.\n\nPerfect. And what kind of teacher are you? Yeah. And how do you find that? Oh, that's good.\n\nWhat you might notice, obviously, being an English teacher that I do have a bit of an accent. So if you do pick up on it, I am Swedish originally. So if you do hear a little bit, that is why. Now, otherwise, income wise, that may have changed obviously for you. Sorry.\n\nWe had here down a 120. Do you know where that's changed to now? That's okay. Yep. That's our time.\n\nNo. Just a big payoff. That's okay. I'll just put it used to be one 20. Yes.\n\nYes. Yep. Yes. Okay. No.\n\nThat is no problem. I'll just make a little note on that. That is no problem. Now do you know, though, that your employer, do they pay you that standard 12% contributions interest, or do you know if you have, like, a special enterprise bargain agreement that gives you entitlement more? To stand it.\n\nYep. Okay. Perfect. Just a normal. Now asset wise, I have here that you have a motor vehicle ride at about 15,000.\n\nIs that still the case? Perfect. And you didn't have anything owing on that one, do you? No. Great.\n\nNow do you have any other assets or changes in the last twelve months? No. Perfect. And any other liabilities, like personal loans or credit cards or anything like that? Nope.\n\nYep. Okay. And do you know how much he's owing on the credit card by any chance? Okay. Yep.\n\nPerfect. Now when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case? Yep. Perfect.\n\nYeah. Just as every now and then. And have you had any significant health issues or injuries or anything in the last twelve months? Alright. Great.\n\nAnd do you have private health insurance? Yep. And that is hospital as well? Yep. Okay.\n\nPerfect. And the last thing is just estate planning wise. Do you have a will or power of attorney or anything like that in place? Nope. Nope.\n\nKind of on the to do list. Yep. That's okay. Most people are the same. It's just that's fine.\n\nEvery little review is just a little reminder. Now if when you do get around to it, obviously, I know things are a little bit crazy for you coming back from holiday. If you would like us to send you any information about from a from a firm that we work with closely, If you do need assistance having a look at a will of power of attorney, I think just let us know, or we can always click that through to you. Yep. No.\n\nThat's okay. Now I do also wanna text. So when it comes to superannuation, so in the event that something were to happen to you, you do currently have three nominations on an equal split. Yeah. Now are those three your children?\n\nYep. Beautiful. And you're still happy with that? Yep. Yep.\n\nGreat. Perfect. Now it is still a non lapsing option, so that stays in place until you decide to change it, which is great. So no changes needed on that end. The last thing to kind of touch base on usually doing annual reviews, which is good to know, is just kind of goals, the stuff that you are working towards so that you are wanting to achieve.\n\nNow I know again that you kind of came back, so things are a little bit all over the shop at the moment, which is perfectly understandable. But when we spoke to you last time, your your focus in kind of, like, the medium term was to potentially build a yoga studio. Is that still something that you are kind of planning on doing? Yeah. Yep.\n\nYes. Yep. Okay. Yeah. Mhmm.\n\nOkay. Yep. Yeah. Gave me a bit more security. And do you have a mortgage broker?\n\nHave you ever spoken to a mortgage broker or anything? No. Oh, yes. Yep. Okay.\n\nPerfect. And if when when when time comes around to it, if you would like, just let us know because we have, some mortgage brokers that we work with very closely that would be happy to give you a call and do a bit of an assessment and seeing, you know, how much you could borrow and what that might look like. So if you do need that assistance, just just give us a call, and we're more than happy to, get them to reach out to you. No. That's okay.\n\nNow that was basically everything that I kind of needed to touch on on my end. But do you have any other questions for me at this point? Nope. Oh, good. Yep.\n\nOkay. Yes. Decision. Yes. Okay.\n\nBeautiful. Now like I said, I will let the team know about the little glitch in IT. They will send you the documents tomorrow. Keep a lookout for your email. Take your time.\n\nHave a have a read over. Any questions, like I said, just send us an email, give me a call, and we can always go through them and take things from there. Yep. Mhmm. No problem at all.\n\nI appreciate your time with me this afternoon as well, and I hope you enjoy the rest of your afternoon or evening. No worries. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Veronica, OQ Financial.","start":5.8399997,"end":7.7,"sentiment":"neutral","sentiment_score":0.03140951879322529},{"text":"Good afternoon.","start":22.654999,"end":23.375,"sentiment":"neutral","sentiment_score":0.29015612602233887},{"text":"This is Veronica from Workview Financial.","start":23.375,"end":25.235,"sentiment":"neutral","sentiment_score":0.2461349219083786},{"text":"How are you?","start":25.375,"end":26.195,"sentiment":"neutral","sentiment_score":0.18548751870791116},{"text":"No.","start":29.66,"end":29.98,"sentiment":"neutral","sentiment_score":0.16112662851810455}],"sentiment":"neutral","sentiment_score":0.19126263496776422,"num_words":15,"start":5.8399997,"end":29.98},{"sentences":[{"text":"That's all good.","start":29.98,"end":31.199999,"sentiment":"positive","sentiment_score":0.36541585127512616},{"text":"I had you booked in for your annual review.","start":32.7,"end":35.02,"sentiment":"neutral","sentiment_score":0.30117921862337327},{"text":"Is now still a good time for you?","start":35.02,"end":36.72,"sentiment":"neutral","sentiment_score":0.22866198793053627},{"text":"Yes.","start":38.555,"end":39.055,"sentiment":"neutral","sentiment_score":0.30387017130851746},{"text":"Perfect.","start":40.235,"end":40.735,"sentiment":"positive","sentiment_score":0.4321785271167755}],"sentiment":"neutral","sentiment_score":0.28964568742296914,"num_words":22,"start":29.98,"end":40.735},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":41.275,"end":49.455,"sentiment":"neutral","sentiment_score":0.04763489583086583},{"text":"Perfect.","start":51.13,"end":51.63,"sentiment":"neutral","sentiment_score":0.2916181683540344},{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, plea?","start":51.69,"end":61.47,"sentiment":"neutral","sentiment_score":0.0478064984534726},{"text":"Yep.","start":67.385,"end":67.885,"sentiment":"neutral","sentiment_score":0.012179140001535416},{"text":"Just your address as well, please.","start":68.745,"end":70.445,"sentiment":"neutral","sentiment_score":0.019916818166772526}],"sentiment":"neutral","sentiment_score":0.048299922737189464,"num_words":72,"start":41.275,"end":70.445},{"sentences":[{"text":"Yep.","start":75.72,"end":76.04,"sentiment":"neutral","sentiment_score":0.12139561027288436},{"text":"Perfect.","start":76.04,"end":76.52,"sentiment":"positive","sentiment_score":0.4115567207336426},{"text":"That's exactly what I have here.","start":76.52,"end":78.36,"sentiment":"positive","sentiment_score":0.44193882246812183},{"text":"And how's your day been?","start":78.36,"end":79.56,"sentiment":"neutral","sentiment_score":0.12335717380046844},{"text":"Been busy?","start":79.56,"end":80.38,"sentiment":"neutral","sentiment_score":0.04757799301296473}],"sentiment":"neutral","sentiment_score":0.259768474722902,"num_words":15,"start":75.72,"end":80.38},{"sentences":[{"text":"Oh, lovely.","start":83.72,"end":85.58,"sentiment":"positive","sentiment_score":0.33796024322509766},{"text":"Now I will try not to keep you for too long.","start":86.28,"end":89.42,"sentiment":"neutral","sentiment_score":0.04705985432321375},{"text":"But before I do jump into things, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any specific questions or whether it's just a bit of a catch up and see how everything is going?","start":90.674995,"end":103.895,"sentiment":"neutral","sentiment_score":0.04758184459060431},{"text":"Sure.","start":111.6,"end":112.1,"sentiment":"neutral","sentiment_score":-0.020692523568868637},{"text":"Yeah.","start":112.32,"end":112.64,"sentiment":"neutral","sentiment_score":-0.005525047890841961}],"sentiment":"neutral","sentiment_score":0.05456082372424694,"num_words":65,"start":83.72,"end":112.64},{"sentences":[{"text":"Of course.","start":112.64,"end":113.299995,"sentiment":"neutral","sentiment_score":-0.003957225009799004},{"text":"Yes.","start":116.814995,"end":117.134995,"sentiment":"neutral","sentiment_score":-0.006440657190978527},{"text":"Can you hear me?","start":117.134995,"end":118.274994,"sentiment":"neutral","sentiment_score":-0.014350867131724954},{"text":"Yeah.","start":123.695,"end":124.195,"sentiment":"neutral","sentiment_score":0.02176899090409279},{"text":"Yeah.","start":124.255,"end":124.494995,"sentiment":"neutral","sentiment_score":0.02928750216960907}],"sentiment":"neutral","sentiment_score":-0.0023002314070860543,"num_words":9,"start":112.64,"end":124.494995},{"sentences":[{"text":"I can hear you okay.","start":124.494995,"end":125.454994,"sentiment":"neutral","sentiment_score":0.012903738394379615},{"text":"Can you hear me?","start":125.454994,"end":126.435,"sentiment":"neutral","sentiment_score":-0.0034770769998431206},{"text":"Mhmm.","start":149.64499,"end":149.965,"sentiment":"neutral","sentiment_score":-0.01243344321846962},{"text":"Yep.","start":149.965,"end":150.465,"sentiment":"neutral","sentiment_score":-0.01645904779434204},{"text":"Yes.","start":156.37999,"end":156.87999,"sentiment":"neutral","sentiment_score":0.025635454803705215}],"sentiment":"neutral","sentiment_score":0.003946112313618262,"num_words":12,"start":124.494995,"end":156.87999},{"sentences":[{"text":"Yep.","start":157.42,"end":157.92,"sentiment":"neutral","sentiment_score":0.030993621796369553},{"text":"And that is yep.","start":157.98,"end":162.95999,"sentiment":"neutral","sentiment_score":-0.018517321906983852},{"text":"That's a bit up and down.","start":166.635,"end":167.83499,"sentiment":"negative","sentiment_score":-0.3467266758282979},{"text":"Yeah.","start":167.83499,"end":167.995,"sentiment":"neutral","sentiment_score":-0.07734137773513794},{"text":"No.","start":167.995,"end":168.235,"sentiment":"neutral","sentiment_score":-0.15100499987602234}],"sentiment":"neutral","sentiment_score":-0.18090631526250106,"num_words":13,"start":157.42,"end":168.235},{"sentences":[{"text":"That is fair.","start":168.235,"end":168.875,"sentiment":"neutral","sentiment_score":-0.0931035503745079},{"text":"So we can start there.","start":168.875,"end":170.25499,"sentiment":"neutral","sentiment_score":-0.00499875582754612},{"text":"Now do you have access to your emails at the moment or not really right now?","start":170.39499,"end":174.815,"sentiment":"neutral","sentiment_score":-0.01600072084693238},{"text":"No.","start":176.97,"end":177.47,"sentiment":"neutral","sentiment_score":-0.1752353310585022},{"text":"No.","start":181.37,"end":181.68999,"sentiment":"neutral","sentiment_score":-0.10049751400947572}],"sentiment":"neutral","sentiment_score":-0.03215572341846732,"num_words":26,"start":168.235,"end":181.68999},{"sentences":[{"text":"That's okay.","start":181.68999,"end":182.51,"sentiment":"neutral","sentiment_score":-0.008664671331644056},{"text":"Now what I have done is I have sent you an email with some documents to go through.","start":182.97,"end":189.54999,"sentiment":"neutral","sentiment_score":0.12345480815403992},{"text":"Now I can definitely go through them with you kind of briefly over the phone, which does touch on your super and your investments, a couple of other things as well.","start":190.03499,"end":199.075,"sentiment":"neutral","sentiment_score":0.18508723137840147},{"text":"And then later when you have a moment or when you have access to a computer or, obviously, when you're not speaking to me on the phone, have a look through them.","start":199.075,"end":208.58,"sentiment":"neutral","sentiment_score":0.06373497983440757},{"text":"And if you then have any questions, you can just me now.","start":208.58,"end":211.78,"sentiment":"neutral","sentiment_score":0.08651842021693786}],"sentiment":"neutral","sentiment_score":0.11600317656993867,"num_words":95,"start":181.68999,"end":211.78},{"sentences":[{"text":"Would that be okay?","start":211.78,"end":212.76,"sentiment":"neutral","sentiment_score":0.08525976166129112},{"text":"Yeah.","start":214.18001,"end":214.68001,"sentiment":"neutral","sentiment_score":0.09428846836090088},{"text":"Yes.","start":220.915,"end":221.415,"sentiment":"neutral","sentiment_score":0.09943217784166336},{"text":"Exactly.","start":221.715,"end":222.215,"sentiment":"neutral","sentiment_score":0.11894144117832184},{"text":"So let me just make sure that's all was sent okay.","start":222.675,"end":226.935,"sentiment":"neutral","sentiment_score":0.09615848145701668}],"sentiment":"neutral","sentiment_score":0.09508024611406857,"num_words":18,"start":211.78,"end":226.935},{"sentences":[{"text":"Let's see here.","start":228.51001,"end":229.41,"sentiment":"neutral","sentiment_score":0.05846512814362844},{"text":"Let me just triple check because you never know with technology.","start":236.83,"end":241.795,"sentiment":"neutral","sentiment_score":0.01292644136331298},{"text":"Sometimes it's really good, and other times, not so much.","start":242.015,"end":247.615,"sentiment":"neutral","sentiment_score":0.0040863722562789915},{"text":"So let me just have a bit of a look here for you.","start":247.615,"end":250.195,"sentiment":"neutral","sentiment_score":0.11859597036471733},{"text":"Now it does look like everything didn't come through.","start":251.85501,"end":256.24,"sentiment":"neutral","sentiment_score":-0.07257023536496693}],"sentiment":"neutral","sentiment_score":0.027110118661885677,"num_words":46,"start":228.51001,"end":256.24},{"sentences":[{"text":"So what what I might do, just disregard that one.","start":256.54,"end":260.32,"sentiment":"neutral","sentiment_score":-0.11396087482571601},{"text":"Now everyone else have left for the day, but I'll go through the documents with you.","start":260.46002,"end":266.14,"sentiment":"neutral","sentiment_score":-0.003895554458722472},{"text":"And then tomorrow, when IT and everything is back in the office, I will get the documents emailed to you.","start":266.14,"end":271.75497,"sentiment":"neutral","sentiment_score":0.020825587352737783},{"text":"So keep a look at no.","start":272.455,"end":274.69498,"sentiment":"neutral","sentiment_score":-0.1688190015653769},{"text":"Because it looks like what was sent was just one of that.","start":274.69498,"end":277.495,"sentiment":"neutral","sentiment_score":-0.2477312112847964}],"sentiment":"neutral","sentiment_score":-0.0745486627711216,"num_words":64,"start":256.54,"end":277.495},{"sentences":[{"text":"It wasn't actually all the documents.","start":277.495,"end":279.435,"sentiment":"neutral","sentiment_score":-0.22608652462561926},{"text":"Yes.","start":281.175,"end":281.495,"sentiment":"neutral","sentiment_score":0.01893721893429756},{"text":"If you do see something come through tonight, just disregard it.","start":281.495,"end":284.63,"sentiment":"neutral","sentiment_score":-0.026366412300955166},{"text":"You will get the new updated one tomorrow, if that's okay.","start":284.63,"end":287.85,"sentiment":"neutral","sentiment_score":0.021266953046010298},{"text":"Yeah.","start":289.19,"end":289.69,"sentiment":"neutral","sentiment_score":0.09984861314296722}],"sentiment":"neutral","sentiment_score":-0.04312757891602814,"num_words":30,"start":277.495,"end":289.69},{"sentences":[{"text":"Perfect.","start":289.83002,"end":290.33002,"sentiment":"positive","sentiment_score":0.5148806571960449},{"text":"Now when you do have a look through your document, so tomorrow when it does come through, it will give you a a breakdown of your situation.","start":291.91,"end":302.585,"sentiment":"neutral","sentiment_score":0.20892247723208535},{"text":"So there are a couple of documents there for you.","start":302.645,"end":305.145,"sentiment":"neutral","sentiment_score":0.15148262083530425},{"text":"Now one of them is a breakdown of your superannuation.","start":305.525,"end":310.33002,"sentiment":"neutral","sentiment_score":0.05509275235235691},{"text":"So when you do have a a look at it, you will see that you have your superannuation with Netwealth.","start":311.75,"end":319.45,"sentiment":"neutral","sentiment_score":0.09404582362622023}],"sentiment":"neutral","sentiment_score":0.14856555510093183,"num_words":68,"start":289.83002,"end":319.45},{"sentences":[{"text":"Now you have, at the moment, a $130,419 in there.","start":320.23,"end":328.135,"sentiment":"neutral","sentiment_score":0.04936226420104504},{"text":"Okay?","start":328.135,"end":328.635,"sentiment":"neutral","sentiment_score":0.04484584927558899},{"text":"And you don't have any insurances.","start":330.375,"end":332.795,"sentiment":"neutral","sentiment_score":-0.014311147620901465},{"text":"And you're still comfortable and happy without insurances?","start":333.095,"end":336.73,"sentiment":"neutral","sentiment_score":0.08112678304314613},{"text":"What?","start":342.31,"end":342.81,"sentiment":"neutral","sentiment_score":-0.06799566000699997}],"sentiment":"neutral","sentiment_score":0.03975462345764614,"num_words":26,"start":320.23,"end":342.81},{"sentences":[{"text":"Yeah.","start":343.75,"end":344.07,"sentiment":"neutral","sentiment_score":-0.03872083127498627},{"text":"So there are a lot of different type of covers for insurances.","start":344.07,"end":347.13,"sentiment":"neutral","sentiment_score":-0.039761603654672704},{"text":"So you can have life insurance.","start":347.43,"end":349.61002,"sentiment":"neutral","sentiment_score":-0.012910003773868084},{"text":"Life insurance will be for the purpose of of if something were to happen to you, that would then be left to your loved ones or whoever you wanna give it to.","start":350.39502,"end":360.575,"sentiment":"neutral","sentiment_score":-0.0446901178220287},{"text":"You then you then have total permanent disability insurance, and now that is for you.","start":361.035,"end":366.91,"sentiment":"neutral","sentiment_score":-0.025055907666683197}],"sentiment":"neutral","sentiment_score":-0.03635215883453687,"num_words":66,"start":343.75,"end":366.91},{"sentences":[{"text":"So that is if something were to happen to you and you can never go back to work again, it is then an insurance policy to cover you for the loss of income because you cannot work.","start":367.28998,"end":378.915,"sentiment":"neutral","sentiment_score":-0.09175867204730576},{"text":"You also have sorry.","start":380.815,"end":383.455,"sentiment":"neutral","sentiment_score":-0.0778444204479456},{"text":"Did you have a question?","start":383.455,"end":384.51498,"sentiment":"neutral","sentiment_score":-0.003170427680015564},{"text":"Nope.","start":385.535,"end":386.035,"sentiment":"neutral","sentiment_score":-0.17498549818992615},{"text":"You also have income protection.","start":386.335,"end":388.035,"sentiment":"neutral","sentiment_score":-0.11111565083265304}],"sentiment":"neutral","sentiment_score":-0.08563200842875701,"num_words":52,"start":367.28998,"end":388.035},{"sentences":[{"text":"Now income protection is where you will temporarily replace your income if you are unable to work.","start":388.5,"end":395.94,"sentiment":"neutral","sentiment_score":-0.08186182467376485},{"text":"So TPD, total permanent disability, is where you can never go back to work again, and you need to have two doctors to sign off on the fact that you can never return to work.","start":395.94,"end":405.635,"sentiment":"neutral","sentiment_score":-0.09430606908031873},{"text":"That one is obviously a lot more severe, whereas income protection is just temporarily.","start":405.935,"end":410.515,"sentiment":"neutral","sentiment_score":-0.1227951715035098},{"text":"And that can cover, yeah, up to 70% of your income on a monthly basis to support financially if something were to happen.","start":411.535,"end":419.37,"sentiment":"neutral","sentiment_score":-0.022421765586604244},{"text":"And then the last yeah.","start":421.03,"end":423.13,"sentiment":"neutral","sentiment_score":-0.030136185698211193}],"sentiment":"neutral","sentiment_score":-0.07529656782231116,"num_words":94,"start":388.5,"end":423.13},{"sentences":[{"text":"No.","start":427.51,"end":427.75,"sentiment":"neutral","sentiment_score":-0.27224600315093994},{"text":"That's okay.","start":427.75,"end":428.65,"sentiment":"neutral","sentiment_score":-0.24215508997440338},{"text":"No.","start":432.085,"end":432.485,"sentiment":"neutral","sentiment_score":-0.11916761845350266},{"text":"And that is perfectly fine.","start":432.485,"end":434.26498,"sentiment":"neutral","sentiment_score":0.06311671286821366},{"text":"It is something I just need to check just to make sure you you you don't understand, and that is no problem.","start":434.485,"end":439.76498,"sentiment":"neutral","sentiment_score":0.0865920493061739}],"sentiment":"neutral","sentiment_score":0.043383382178182085,"num_words":31,"start":427.51,"end":439.76498},{"sentences":[{"text":"It's completely up to you.","start":439.76498,"end":441.36,"sentiment":"neutral","sentiment_score":0.21983427703380584},{"text":"And if you don't feel like you need to or pay for it, that is completely fine.","start":441.84,"end":445.21997,"sentiment":"neutral","sentiment_score":0.03452815794769455},{"text":"No.","start":447.43997,"end":447.75998,"sentiment":"neutral","sentiment_score":0.022775378078222275},{"text":"That's okay.","start":447.75998,"end":448.65997,"sentiment":"neutral","sentiment_score":0.06528431363403797},{"text":"Now when it comes to your superannuation investments as well, So what I will do is run through just a bit of an updated risk profile questionnaire with you first just to see if your risk tolerance or anything has changed when it comes to your investment, if we need to make any changes to your investment.","start":448.8,"end":469.71,"sentiment":"neutral","sentiment_score":0.03681985223502444}],"sentiment":"neutral","sentiment_score":0.04802714211003083,"num_words":82,"start":439.76498,"end":469.71},{"sentences":[{"text":"So it is just multiple choice to make it nice and easy, and there is no right or wrong answer.","start":470.65,"end":476.72998,"sentiment":"neutral","sentiment_score":0.17238067649304867},{"text":"It's just whatever you feel you are the most comfortable with.","start":476.72998,"end":479.93,"sentiment":"neutral","sentiment_score":0.08476366102695465},{"text":"Does that make sense?","start":479.93,"end":480.945,"sentiment":"neutral","sentiment_score":0.07400887832045555},{"text":"Yep.","start":481.98502,"end":482.48502,"sentiment":"neutral","sentiment_score":0.09640799462795258},{"text":"Perfect.","start":482.545,"end":483.045,"sentiment":"neutral","sentiment_score":0.2422128319740295}],"sentiment":"neutral","sentiment_score":0.13553162543354808,"num_words":37,"start":470.65,"end":483.045},{"sentences":[{"text":"Now have you ever bought direct shares on the stock market yourself?","start":483.185,"end":488.165,"sentiment":"neutral","sentiment_score":0.07563269169380267},{"text":"Nope.","start":489.665,"end":490.165,"sentiment":"neutral","sentiment_score":-0.02053011581301689},{"text":"Perfect.","start":490.225,"end":490.725,"sentiment":"neutral","sentiment_score":0.09169268608093262},{"text":"And when it comes to accessing superannuation, do you have any idea at the moment of when you are planning on retiring or drawing an income from superannuation?","start":491.58502,"end":501.63,"sentiment":"neutral","sentiment_score":0.002843620611071986},{"text":"Not for another ten years.","start":505.865,"end":507.305,"sentiment":"neutral","sentiment_score":-0.09226670861244202}],"sentiment":"neutral","sentiment_score":0.012703036268964964,"num_words":47,"start":483.185,"end":507.305},{"sentences":[{"text":"No problem.","start":507.305,"end":508.205,"sentiment":"neutral","sentiment_score":0.13553498685359955},{"text":"And when you do retire, do you have an idea of, like, a a weekly amount that you would like to draw from super to support you and your your finances and everything?","start":509.625,"end":521.67,"sentiment":"neutral","sentiment_score":0.10567784569028651},{"text":"No.","start":526.05,"end":526.37,"sentiment":"neutral","sentiment_score":-0.060417290776968},{"text":"That's okay.","start":526.37,"end":527.19,"sentiment":"neutral","sentiment_score":0.26119548082351685},{"text":"I do have here from last time we spoke to you, you were aiming for about a thousand dollars a week to help support, that would be about the same?","start":527.73,"end":538.505,"sentiment":"neutral","sentiment_score":0.08953422531485558}],"sentiment":"neutral","sentiment_score":0.10156528399709393,"num_words":68,"start":507.305,"end":538.505},{"sentences":[{"text":"Yes.","start":539.20496,"end":539.70496,"sentiment":"neutral","sentiment_score":0.0649895891547203},{"text":"Okay.","start":539.76495,"end":540.165,"sentiment":"neutral","sentiment_score":0.1474841833114624},{"text":"Great.","start":540.165,"end":540.565,"sentiment":"positive","sentiment_score":0.5460993051528931},{"text":"Perfect.","start":540.565,"end":541.065,"sentiment":"positive","sentiment_score":0.5103392601013184},{"text":"Otherwise, when it comes to how much risk you are willing to take for your superannuation.","start":542.32495,"end":547.945,"sentiment":"neutral","sentiment_score":0.025000149034895003}],"sentiment":"neutral","sentiment_score":0.08344573611393571,"num_words":20,"start":539.20496,"end":547.945},{"sentences":[{"text":"Now would you say where you are at currently that you would be willing to accept very high risk for superannuation to grow it, high, moderate, or a small amount of risk?","start":549.0,"end":561.26,"sentiment":"neutral","sentiment_score":-0.01602572517003864},{"text":"High to moderate.","start":564.48505,"end":565.385,"sentiment":"neutral","sentiment_score":-0.03584235440939665},{"text":"Okay.","start":566.325,"end":566.825,"sentiment":"neutral","sentiment_score":0.1092032641172409},{"text":"Perfect.","start":566.885,"end":567.385,"sentiment":"neutral","sentiment_score":0.2124822437763214},{"text":"And when it comes to volatility, so fluctuations in the market, now how would you feel if in six months after placing an investment, you found out that your portfolio has decreased in value by 20% due to general trends in the market.","start":568.72504,"end":591.515,"sentiment":"neutral","sentiment_score":-0.15834544620714908}],"sentiment":"neutral","sentiment_score":-0.08884398684604093,"num_words":80,"start":549.0,"end":591.515},{"sentences":[{"text":"So let's say not one particular investment, just the market as a whole.","start":591.655,"end":597.435,"sentiment":"neutral","sentiment_score":-0.06625259696291043},{"text":"Would you, if you had the option to do so, think that, well, now is potentially a good time to invest while the prices are down so you'd put a little bit more in?","start":598.215,"end":608.88,"sentiment":"neutral","sentiment_score":-0.0435179808341405},{"text":"Would you just kind of hold and kind of wait and assess what happened, Or would you want to sell and then move through a little bit more secure assets, so that means you are then selling when the prices have already dropped?","start":609.18,"end":622.635,"sentiment":"neutral","sentiment_score":-0.0944471517794354},{"text":"Does that make sense?","start":622.635,"end":623.775,"sentiment":"neutral","sentiment_score":-0.026846188120543957},{"text":"Yep.","start":630.15,"end":630.65,"sentiment":"neutral","sentiment_score":-0.06380820274353027}],"sentiment":"neutral","sentiment_score":-0.06919279569073727,"num_words":95,"start":591.655,"end":630.65},{"sentences":[{"text":"Okay.","start":631.75,"end":632.25,"sentiment":"neutral","sentiment_score":-0.05493628978729248},{"text":"Correct.","start":635.99,"end":636.49,"sentiment":"neutral","sentiment_score":-0.0615675076842308},{"text":"Yep.","start":637.59,"end":638.09,"sentiment":"neutral","sentiment_score":0.0032467215787619352},{"text":"Okay.","start":638.15,"end":638.63,"sentiment":"neutral","sentiment_score":0.05133241415023804},{"text":"Perfect.","start":638.63,"end":639.13,"sentiment":"neutral","sentiment_score":0.08202268928289413}],"sentiment":"neutral","sentiment_score":0.004019605508074164,"num_words":5,"start":631.75,"end":639.13},{"sentences":[{"text":"No.","start":639.27,"end":639.765,"sentiment":"neutral","sentiment_score":-0.05393996462225914},{"text":"And the next one here is in regards to fluctuations.","start":641.60504,"end":644.745,"sentiment":"neutral","sentiment_score":-0.04171147607266903},{"text":"So whether that's your superannuation or any other assets that's fluctuated.","start":645.84503,"end":650.985,"sentiment":"neutral","sentiment_score":-0.03112231557447971},{"text":"Now if if it ever dropped in value temporarily, would you say that you would feel optimistic about potential investment opportunities, a bit more kind of neutral, not making further investments, or do you think that would make you quite concerned or anxious?","start":651.98004,"end":672.51495,"sentiment":"neutral","sentiment_score":-0.11186331718467003},{"text":"Yep.","start":699.245,"end":699.565,"sentiment":"neutral","sentiment_score":-0.18601295351982117}],"sentiment":"neutral","sentiment_score":-0.08802326953225544,"num_words":66,"start":639.27,"end":699.565},{"sentences":[{"text":"Yep.","start":699.565,"end":700.065,"sentiment":"negative","sentiment_score":-0.35354089736938477},{"text":"Yep.","start":707.18,"end":707.68,"sentiment":"neutral","sentiment_score":-0.12820689380168915},{"text":"Yep.","start":708.14,"end":708.62,"sentiment":"neutral","sentiment_score":0.15701979398727417},{"text":"Perfect.","start":708.62,"end":709.10004,"sentiment":"positive","sentiment_score":0.5348021984100342},{"text":"And that's a very sensible way.","start":709.10004,"end":710.96,"sentiment":"positive","sentiment_score":0.5019621203343073}],"sentiment":"neutral","sentiment_score":0.32218469232320784,"num_words":10,"start":699.565,"end":710.96},{"sentences":[{"text":"Now the last one here is in regards to borrowing money.","start":711.82,"end":715.2,"sentiment":"neutral","sentiment_score":-0.00973270833492279},{"text":"So would you ever consider taking out a loan to invest in the share market?","start":715.61505,"end":720.99506,"sentiment":"neutral","sentiment_score":-0.03192180121938388},{"text":"No.","start":722.895,"end":723.395,"sentiment":"neutral","sentiment_score":-0.16157226264476776},{"text":"No.","start":724.575,"end":725.075,"sentiment":"neutral","sentiment_score":-0.12647366523742676},{"text":"Would you ever consider taking out a loan to buy an investment property?","start":725.61505,"end":730.515,"sentiment":"neutral","sentiment_score":-0.07930924886694321}],"sentiment":"neutral","sentiment_score":-0.04646226763725281,"num_words":41,"start":711.82,"end":730.515},{"sentences":[{"text":"Yep.","start":733.17004,"end":733.49,"sentiment":"neutral","sentiment_score":0.0927230417728424},{"text":"Okay.","start":733.49,"end":733.99,"sentiment":"neutral","sentiment_score":0.20078441500663757},{"text":"Perfect.","start":734.05005,"end":734.55005,"sentiment":"positive","sentiment_score":0.34636807441711426},{"text":"Now that tells me here that you have come out as a growth investor, which at the moment is the portfolio that we do have you invested in, which is good.","start":735.65,"end":746.445,"sentiment":"neutral","sentiment_score":0.21026170061480615},{"text":"Now do you remember what it means to be a growth investor at all?","start":747.005,"end":751.665,"sentiment":"neutral","sentiment_score":0.05278596840798855}],"sentiment":"neutral","sentiment_score":0.164520662665988,"num_words":48,"start":733.17004,"end":751.665},{"sentences":[{"text":"Yep.","start":757.245,"end":757.745,"sentiment":"neutral","sentiment_score":0.005453318357467651},{"text":"That is perfectly fine.","start":761.10004,"end":762.54004,"sentiment":"neutral","sentiment_score":0.06449862383306026},{"text":"To be fair, I would say nine out of 10 people say the same.","start":762.54004,"end":765.26,"sentiment":"neutral","sentiment_score":0.0011154748499393463},{"text":"They're like, oh, yep.","start":765.26,"end":765.98004,"sentiment":"neutral","sentiment_score":-0.03191216662526131},{"text":"No.","start":765.98004,"end":766.48004,"sentiment":"neutral","sentiment_score":-0.05648399144411087}],"sentiment":"neutral","sentiment_score":0.003955491818487644,"num_words":24,"start":757.245,"end":766.48004},{"sentences":[{"text":"And that is fine.","start":766.78,"end":767.92004,"sentiment":"neutral","sentiment_score":0.04016348905861378},{"text":"Now, basically, a growth investor typically is someone who is looking at getting as much growth as you possibly can out of your superannuation while you still have plenty of time until you wanna access that money.","start":768.38,"end":780.57495,"sentiment":"neutral","sentiment_score":0.06597986505241007},{"text":"It's also someone who is willing and understand that there will be some short term fluctuations in the market in order to tryna achieve that growth.","start":781.19495,"end":791.96,"sentiment":"neutral","sentiment_score":0.03211650209358105},{"text":"Because, typically speaking, you have 80% of the money invested in what we would call your growth assets.","start":792.9,"end":800.44,"sentiment":"neutral","sentiment_score":0.09079937885204951},{"text":"Now these are things like Australian shares, international shares, but also property and commodities, and that is ultimately what's going to grow that super the most for you.","start":801.23505,"end":813.015,"sentiment":"neutral","sentiment_score":0.1911263500473329}],"sentiment":"neutral","sentiment_score":0.0922377401616721,"num_words":113,"start":766.78,"end":813.015},{"sentences":[{"text":"And then about 20% in defensive.","start":814.02,"end":817.16003,"sentiment":"neutral","sentiment_score":0.07130361720919609},{"text":"Now this would be things like cash, fixed interest, and gold as well.","start":817.62,"end":823.08,"sentiment":"neutral","sentiment_score":0.08557024970650673},{"text":"So we're trying to limit fluctuations a little bit, but the main focus is to grow your super, especially if you do have a little bit longer until you wanna access it.","start":823.30005,"end":833.325,"sentiment":"neutral","sentiment_score":0.1320916941622272},{"text":"Now when it also comes to a time frame, sorry, it's also important through factoring in time frame so that you have enough time in the market for when you wanna access your super for those short term fluctuations to come back around.","start":834.90497,"end":848.92,"sentiment":"neutral","sentiment_score":0.21573547707047575},{"text":"So it's not that you wanna access your money tomorrow, and there's a bit of fluctuations at that time.","start":848.92,"end":854.22,"sentiment":"neutral","sentiment_score":0.06628876297097457}],"sentiment":"neutral","sentiment_score":0.14427682454079654,"num_words":113,"start":814.02,"end":854.22},{"sentences":[{"text":"So in a growth portfolio, typically, we would like to see at least six years until retirement.","start":854.555,"end":861.21497,"sentiment":"neutral","sentiment_score":0.1362034336608999},{"text":"So if you are planning on kind of working for the next ten years from a time frame point of view.","start":862.075,"end":868.33496,"sentiment":"neutral","sentiment_score":0.14121677832944052},{"text":"Yeah.","start":869.08,"end":869.58,"sentiment":"neutral","sentiment_score":-0.01470908150076866},{"text":"Of course.","start":870.52,"end":871.26,"sentiment":"neutral","sentiment_score":-0.02897372841835022},{"text":"No.","start":877.64,"end":877.96,"sentiment":"neutral","sentiment_score":-0.1316535472869873}],"sentiment":"neutral","sentiment_score":0.12087382456021649,"num_words":42,"start":854.555,"end":877.96},{"sentences":[{"text":"No.","start":877.96,"end":878.28,"sentiment":"neutral","sentiment_score":-0.11077894270420074},{"text":"Are you okay?","start":878.28,"end":879.08,"sentiment":"neutral","sentiment_score":-0.037573400263985},{"text":"Do you need some water or anything?","start":879.08,"end":880.7,"sentiment":"neutral","sentiment_score":-0.033561384571450095},{"text":"Oh, that's really annoying for you.","start":885.745,"end":888.085,"sentiment":"negative","sentiment_score":-0.5399242887894312},{"text":"Well, if you need to again, just interrupt me.","start":889.98505,"end":892.30505,"sentiment":"neutral","sentiment_score":-0.17758679389953613}],"sentiment":"neutral","sentiment_score":-0.20370214282033536,"num_words":26,"start":877.96,"end":892.30505},{"sentences":[{"text":"Okay?","start":892.30505,"end":892.80505,"sentiment":"neutral","sentiment_score":-0.05738850682973862},{"text":"Yeah.","start":893.68,"end":894.18,"sentiment":"neutral","sentiment_score":0.0766996368765831},{"text":"That's okay.","start":894.24,"end":895.22,"sentiment":"neutral","sentiment_score":0.0974535122513771},{"text":"So, yeah, like I was saying, from a time frame, a growth portfolio is a good position because you still have more than six years until retirement as long as you are still comfortable seeing, you know, a bit of those short term fluctuations, as long as long term it continues to grow for you.","start":896.24,"end":911.985,"sentiment":"neutral","sentiment_score":0.2646898299455643},{"text":"Yep.","start":912.605,"end":913.085,"sentiment":"neutral","sentiment_score":0.1338813602924347}],"sentiment":"neutral","sentiment_score":0.2484340026974678,"num_words":60,"start":892.30505,"end":913.085},{"sentences":[{"text":"Okay.","start":913.085,"end":913.565,"sentiment":"positive","sentiment_score":0.38626840710639954},{"text":"Perfect.","start":913.565,"end":914.065,"sentiment":"positive","sentiment_score":0.5099712610244751},{"text":"Now when it comes to your investments as well, so in the email tomorrow, it will give you a bit of a rundown of all your investments.","start":914.605,"end":923.77,"sentiment":"neutral","sentiment_score":0.18876618753980706},{"text":"So it will show you over the last twelve months.","start":923.83,"end":926.73004,"sentiment":"neutral","sentiment_score":0.1450076848268509},{"text":"Now it might look a little bit messy, but it breaks down all your individual investments.","start":927.11005,"end":932.01,"sentiment":"neutral","sentiment_score":0.08589921402744949}],"sentiment":"neutral","sentiment_score":0.16031620008024303,"num_words":55,"start":913.085,"end":932.01},{"sentences":[{"text":"So it shows you all your individual investment and how they have performed.","start":932.795,"end":936.89496,"sentiment":"neutral","sentiment_score":0.2053514558535356},{"text":"Now do have a look at it.","start":937.435,"end":939.83496,"sentiment":"neutral","sentiment_score":0.10665263820971761},{"text":"You will see that one of your previous investment was down.","start":939.83496,"end":945.7,"sentiment":"negative","sentiment_score":-0.40112609483978967},{"text":"So that has a negative in front of it.","start":945.7,"end":947.86005,"sentiment":"negative","sentiment_score":-0.5389704207579294},{"text":"All the other investments were positive.","start":947.86005,"end":949.80005,"sentiment":"neutral","sentiment_score":-0.04662576441963514}],"sentiment":"neutral","sentiment_score":-0.13318995702201905,"num_words":46,"start":932.795,"end":949.80005},{"sentences":[{"text":"Now we sent you an email in I think it was the March 13 in regards to making an investment switch for you to be proactive with, obviously, the market changes.","start":950.66003,"end":963.755,"sentiment":"neutral","sentiment_score":0.2106060450596194},{"text":"Did you get that email by any chance?","start":964.29504,"end":966.29504,"sentiment":"neutral","sentiment_score":0.05528818303719163},{"text":"It wasn't anything you fine.","start":966.29504,"end":968.155,"sentiment":"neutral","sentiment_score":-0.0913531832396984},{"text":"No.","start":972.23,"end":972.73,"sentiment":"negative","sentiment_score":-0.3892372250556946},{"text":"Yeah.","start":974.47,"end":974.97,"sentiment":"neutral","sentiment_score":-0.2272239625453949}],"sentiment":"neutral","sentiment_score":0.12821447298578595,"num_words":46,"start":950.66003,"end":974.97},{"sentences":[{"text":"No.","start":978.47,"end":978.97,"sentiment":"neutral","sentiment_score":-0.3238745927810669},{"text":"Okay.","start":984.245,"end":984.645,"sentiment":"neutral","sentiment_score":0.04672817140817642},{"text":"And that is perfectly fine.","start":984.645,"end":986.005,"sentiment":"neutral","sentiment_score":0.15374265015125274},{"text":"It wasn't anything you had to sign.","start":986.005,"end":987.945,"sentiment":"neutral","sentiment_score":0.10469291572059904},{"text":"It was just for your reference.","start":988.245,"end":990.005,"sentiment":"neutral","sentiment_score":0.10724310204386711}],"sentiment":"neutral","sentiment_score":0.09339379258453846,"num_words":20,"start":978.47,"end":990.005},{"sentences":[{"text":"And, basically, what it did is that the investment committee makes, obviously, research on all the investments all the time.","start":990.005,"end":997.065,"sentiment":"neutral","sentiment_score":0.074224772490561},{"text":"Things fluctuate.","start":997.25,"end":998.14996,"sentiment":"neutral","sentiment_score":-0.032041383907198906},{"text":"Sometimes things go down.","start":998.20996,"end":999.41,"sentiment":"neutral","sentiment_score":-0.13594107702374458},{"text":"Sometimes things obviously go up.","start":999.41,"end":1001.43,"sentiment":"neutral","sentiment_score":-0.13117725402116776},{"text":"But at the same time, if we do a lot of research on an investment and we foresee that it might not be the best option moving forward, Or if it is underperforming a little bit, we also wanna be proactive with making a change and making sure that we do have you in the best options possible.","start":1001.88995,"end":1018.955,"sentiment":"neutral","sentiment_score":0.03193362930725361}],"sentiment":"neutral","sentiment_score":0.023291152849626004,"num_words":89,"start":990.005,"end":1018.955},{"sentences":[{"text":"So, yeah, so what that email was for just for your reference, it was to let you know that the one investment that was down, which was your Benelon Australian equity, have been switched out for another option, which is called the BetaShares Australia two 100.","start":1019.495,"end":1040.085,"sentiment":"neutral","sentiment_score":0.028606869887722576},{"text":"Just a quick overview for you.","start":1041.585,"end":1043.585,"sentiment":"neutral","sentiment_score":0.0729913158963124},{"text":"It is just replacing one Australian investment with another one because we do wanna make sure we keep the the portfolio as a whole very diversified for you.","start":1043.585,"end":1053.56,"sentiment":"neutral","sentiment_score":0.18710262208644832},{"text":"And if we take one market out, we wanna replace it with something similar.","start":1054.26,"end":1058.52,"sentiment":"neutral","sentiment_score":0.08564770461193152},{"text":"But what the investment committee did as well is researching options that was performing a little bit better, but it was also a little bit cheaper because the style of investment is a little bit different to the Bennelong.","start":1058.9,"end":1072.685,"sentiment":"neutral","sentiment_score":0.06826568724444279}],"sentiment":"neutral","sentiment_score":0.08161027816341336,"num_words":133,"start":1019.495,"end":1072.685},{"sentences":[{"text":"Whereas the Bennelong investment, they are trying to kind of actively buy and sell different investments in order to try to outperform the market.","start":1073.305,"end":1082.8401,"sentiment":"neutral","sentiment_score":0.04476039938163012},{"text":"Now sometimes that works out really well, and they had been doing really well, which is why it was added to your portfolio to start with.","start":1083.2201,"end":1091.16,"sentiment":"neutral","sentiment_score":0.2624013845164042},{"text":"But, yeah, like I said, more recently, they've been a little bit slower or underperforming.","start":1091.4601,"end":1095.16,"sentiment":"neutral","sentiment_score":-0.22368899161616962},{"text":"So the investment committee changed that for you through the BetaShares Australia two hundred, and that one essentially focuses on investing in the 200 largest companies listed in Australia.","start":1095.705,"end":1108.125,"sentiment":"neutral","sentiment_score":-0.014646399814378598},{"text":"So very diversified, all the banks.","start":1108.8401,"end":1111.3201,"sentiment":"neutral","sentiment_score":0.1414932149151961}],"sentiment":"neutral","sentiment_score":0.04965564403217286,"num_words":100,"start":1073.305,"end":1111.3201},{"sentences":[{"text":"It has Woolworths.","start":1111.3201,"end":1112.4601,"sentiment":"neutral","sentiment_score":0.13001317282517752},{"text":"It has BHP and stuff for you.","start":1112.68,"end":1114.8601,"sentiment":"neutral","sentiment_score":0.15609658828803472},{"text":"Does that make sense?","start":1115.0,"end":1116.14,"sentiment":"neutral","sentiment_score":0.07426646538078785},{"text":"Yeah.","start":1117.56,"end":1118.06,"sentiment":"neutral","sentiment_score":0.12896102666854858},{"text":"Yeah.","start":1119.88,"end":1120.38,"sentiment":"neutral","sentiment_score":-0.041515108197927475}],"sentiment":"neutral","sentiment_score":0.11670171353034675,"num_words":16,"start":1111.3201,"end":1120.38},{"sentences":[{"text":"That's okay.","start":1122.215,"end":1123.0349,"sentiment":"neutral","sentiment_score":0.03696826100349426},{"text":"Yep.","start":1127.0149,"end":1127.5149,"sentiment":"neutral","sentiment_score":0.13773714005947113},{"text":"Yep.","start":1128.615,"end":1129.115,"sentiment":"neutral","sentiment_score":0.04817074537277222},{"text":"Yeah.","start":1136.3099,"end":1136.5499,"sentiment":"neutral","sentiment_score":0.03431411460042},{"text":"And that is perfectly fine, and that's ultimately what we're here for at the end of the day.","start":1136.5499,"end":1140.89,"sentiment":"neutral","sentiment_score":0.24684642338090473}],"sentiment":"neutral","sentiment_score":0.20597365838677986,"num_words":23,"start":1122.215,"end":1140.89},{"sentences":[{"text":"But, basically, for you, when you do have a look at the report, you will see that one investment, like I said, was down.","start":1141.35,"end":1146.63,"sentiment":"neutral","sentiment_score":-0.01172643651564916},{"text":"It has been switched out for you already.","start":1146.63,"end":1148.635,"sentiment":"neutral","sentiment_score":-0.02504773298278451},{"text":"So moving forward, it should be a little bit smoother for you and see things moving in the right direction, especially when we are having a bit of fluctuations in the market.","start":1149.015,"end":1158.7749,"sentiment":"neutral","sentiment_score":0.1739448371808976},{"text":"So that's great.","start":1158.7749,"end":1159.65,"sentiment":"positive","sentiment_score":0.44579823811848956},{"text":"Now, otherwise, in the email tomorrow when it comes through is that you will also have two compliance forms.","start":1161.49,"end":1169.89,"sentiment":"neutral","sentiment_score":0.1136293058332644}],"sentiment":"neutral","sentiment_score":0.09977639505509721,"num_words":86,"start":1141.35,"end":1169.89},{"sentences":[{"text":"Now you would have seen this one before.","start":1169.89,"end":1171.99,"sentiment":"neutral","sentiment_score":0.11262333858758211},{"text":"It is just an updated financial services guide.","start":1172.375,"end":1175.735,"sentiment":"neutral","sentiment_score":0.12112660799175501},{"text":"It is one of those documents that gives you all the important information in regards to us here at Oakview for you.","start":1175.735,"end":1182.635,"sentiment":"neutral","sentiment_score":0.13915187391367825},{"text":"None of the important information has changed.","start":1182.935,"end":1185.57,"sentiment":"neutral","sentiment_score":0.013861084090811866},{"text":"But as you have a read through it, you will see that we've had a bit of an extension to the team, which is great, and also a bit of an updated marketing.","start":1185.57,"end":1193.4299,"sentiment":"positive","sentiment_score":0.384272170789314}],"sentiment":"neutral","sentiment_score":0.227042949018188,"num_words":78,"start":1169.89,"end":1193.4299},{"sentences":[{"text":"So when you do have a look through the documents tomorrow or whenever you have a moment, if as you scroll through, you will also see a photo of myself if you do wanna put a face to the voice.","start":1193.49,"end":1204.6951,"sentiment":"neutral","sentiment_score":0.05585757559165359},{"text":"Yeah.","start":1205.9551,"end":1206.355,"sentiment":"positive","sentiment_score":0.3935850262641907},{"text":"Mhmm.","start":1206.355,"end":1206.855,"sentiment":"neutral","sentiment_score":0.2238866984844208},{"text":"No.","start":1206.915,"end":1207.155,"sentiment":"neutral","sentiment_score":0.02935817651450634},{"text":"That's okay.","start":1207.155,"end":1207.975,"sentiment":"neutral","sentiment_score":0.13889866322278976}],"sentiment":"neutral","sentiment_score":0.07019845003055201,"num_words":45,"start":1193.49,"end":1207.975},{"sentences":[{"text":"Now there are two more client.","start":1209.0751,"end":1225.45,"sentiment":"neutral","sentiment_score":0.04033358457187811},{"text":"Now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from super, and it is not a lock in contract.","start":1226.365,"end":1238.385,"sentiment":"neutral","sentiment_score":0.02568267613392452},{"text":"So if at any point in time you are not happy, it is not a lock in contract, no exit fees or anything like that, but this just makes sure that we can keep service your account and everything like that for you in the meantime.","start":1238.445,"end":1251.13,"sentiment":"neutral","sentiment_score":0.035324279866788696},{"text":"No.","start":1253.1901,"end":1253.51,"sentiment":"neutral","sentiment_score":0.04574692249298096},{"text":"That's okay.","start":1253.51,"end":1254.31,"sentiment":"neutral","sentiment_score":0.08530699089169502}],"sentiment":"neutral","sentiment_score":0.033667582065044416,"num_words":84,"start":1209.0751,"end":1254.31},{"sentences":[{"text":"Now for next annual review as well or when you do and when you do later turn 60, there are a lot of really different strategies we can have a look and do for you that kind of optimizes tax by drawing some tax free money from super while putting some in.","start":1254.31,"end":1276.63,"sentiment":"neutral","sentiment_score":0.09094624235652961},{"text":"So when you do get to 60, there are really, yeah, a lot of different strategies we can do to kind of optimize your position a little bit further, which is great, the way things are working.","start":1277.09,"end":1285.75,"sentiment":"neutral","sentiment_score":0.2207926080839054},{"text":"But that will be, like, a a next year a next year thing.","start":1286.0449,"end":1289.105,"sentiment":"neutral","sentiment_score":0.022045516194059298},{"text":"But we can, yeah, so we can then review that for you, which which is great.","start":1289.645,"end":1294.225,"sentiment":"neutral","sentiment_score":0.13728129013907164},{"text":"And now the other thing the other form, sorry, that we will ask you to sign if you're happy to do so, it is just a compliance form, and it is just a tax file number form.","start":1295.245,"end":1304.68,"sentiment":"neutral","sentiment_score":0.09501991370642507}],"sentiment":"neutral","sentiment_score":0.1219184533001915,"num_words":155,"start":1254.31,"end":1304.68},{"sentences":[{"text":"And that is just to say that we are keeping your tax file number secure and safe on file.","start":1304.68,"end":1309.16,"sentiment":"neutral","sentiment_score":0.18419437894695684},{"text":"Does that all make sense?","start":1309.16,"end":1310.38,"sentiment":"neutral","sentiment_score":0.15532329231500625},{"text":"Yep.","start":1311.3201,"end":1311.8201,"sentiment":"neutral","sentiment_score":0.23628585040569303},{"text":"Perfect.","start":1311.88,"end":1312.36,"sentiment":"positive","sentiment_score":0.5134556889533997},{"text":"Now those are all the documents that you will receive tomorrow.","start":1312.36,"end":1315.74,"sentiment":"neutral","sentiment_score":0.20686545697125522}],"sentiment":"neutral","sentiment_score":0.19733976290838137,"num_words":37,"start":1304.68,"end":1315.74},{"sentences":[{"text":"So keep a lookout for your inbox.","start":1315.8,"end":1317.615,"sentiment":"neutral","sentiment_score":0.13105037382670812},{"text":"Any questions on the documents or anything like that, just let me know.","start":1317.855,"end":1322.675,"sentiment":"neutral","sentiment_score":0.08990407076019508},{"text":"The other thing I do need to run quickly through with you before I let you go and enjoy the rest of your afternoon or evening, I should say, It's just a bit of an update.","start":1324.095,"end":1332.92,"sentiment":"neutral","sentiment_score":0.20878576094077694},{"text":"It's fine just to see if there's anything major that has changed in your life, if we need to make any changes to your advice at all.","start":1332.92,"end":1339.5801,"sentiment":"neutral","sentiment_score":0.14072950294724218},{"text":"So I'll tryna make it quick.","start":1339.8,"end":1341.66,"sentiment":"neutral","sentiment_score":0.10855338474114735}],"sentiment":"neutral","sentiment_score":0.15790348110741445,"num_words":89,"start":1315.8,"end":1341.66},{"sentences":[{"text":"Yeah?","start":1342.36,"end":1342.86,"sentiment":"neutral","sentiment_score":0.04674731194972992},{"text":"I'll tryna make it.","start":1343.0801,"end":1344.3,"sentiment":"neutral","sentiment_score":0.03660191595554352},{"text":"Yeah.","start":1345.3049,"end":1345.5449,"sentiment":"neutral","sentiment_score":0.01777862384915352},{"text":"So if I it's a personal information.","start":1345.5449,"end":1349.485,"sentiment":"neutral","sentiment_score":-0.013205061932759625},{"text":"I have you down here as single with no financial dependent.","start":1349.945,"end":1355.065,"sentiment":"neutral","sentiment_score":-0.02112195132808252}],"sentiment":"neutral","sentiment_score":-0.004743470771548648,"num_words":24,"start":1342.36,"end":1355.065},{"sentences":[{"text":"Your son is older.","start":1355.065,"end":1356.4249,"sentiment":"neutral","sentiment_score":-0.05046527646481991},{"text":"Is that correct?","start":1356.4249,"end":1357.245,"sentiment":"neutral","sentiment_score":-0.004137914627790451},{"text":"Yep.","start":1358.49,"end":1358.99,"sentiment":"neutral","sentiment_score":0.08816587924957275},{"text":"Perfect.","start":1359.05,"end":1359.55,"sentiment":"neutral","sentiment_score":0.27983081340789795},{"text":"Okay.","start":1362.25,"end":1362.75,"sentiment":"neutral","sentiment_score":0.044825538992881775}],"sentiment":"neutral","sentiment_score":0.01985473819077015,"num_words":10,"start":1355.065,"end":1362.75},{"sentences":[{"text":"He's still so he's technically he is financial dependent.","start":1363.61,"end":1366.5901,"sentiment":"neutral","sentiment_score":-0.04929647139377064},{"text":"That's okay because if he's living at home and stuff.","start":1367.4501,"end":1371.005,"sentiment":"neutral","sentiment_score":0.031203295290470123},{"text":"Yep.","start":1373.7051,"end":1374.2051,"sentiment":"neutral","sentiment_score":-0.04062280431389809},{"text":"Like, support.","start":1380.985,"end":1381.885,"sentiment":"neutral","sentiment_score":-0.07122546061873436},{"text":"Yeah.","start":1383.27,"end":1383.77,"sentiment":"neutral","sentiment_score":-0.024440955370664597}],"sentiment":"neutral","sentiment_score":-0.014745650893968084,"num_words":23,"start":1363.61,"end":1383.77},{"sentences":[{"text":"Yeah.","start":1385.91,"end":1386.41,"sentiment":"neutral","sentiment_score":-0.01530706323683262},{"text":"Yep.","start":1386.63,"end":1387.13,"sentiment":"neutral","sentiment_score":-0.005724109709262848},{"text":"And next up, Ken, I don't actually have someone nominated.","start":1389.3501,"end":1392.9701,"sentiment":"neutral","sentiment_score":-0.0667254975065589},{"text":"Now this can be anybody.","start":1393.75,"end":1395.6901,"sentiment":"neutral","sentiment_score":-0.0760326012969017},{"text":"So it is just someone if for some reason we cannot get in touch with you at all, it is someone that we could contact and just make sure you're okay, and that can be anyone.","start":1396.425,"end":1407.385,"sentiment":"neutral","sentiment_score":-0.04045725738008817}],"sentiment":"neutral","sentiment_score":-0.0476398192486673,"num_words":53,"start":1385.91,"end":1407.385},{"sentences":[{"text":"Do you have do you have any of course.","start":1407.385,"end":1415.17,"sentiment":"neutral","sentiment_score":0.00534179558356603},{"text":"Of course.","start":1415.17,"end":1415.81,"sentiment":"neutral","sentiment_score":0.10020028427243233},{"text":"Of course, you can.","start":1415.81,"end":1416.87,"sentiment":"neutral","sentiment_score":0.16953374072909355},{"text":"And there is no obligations for them to do anything.","start":1417.5701,"end":1420.29,"sentiment":"neutral","sentiment_score":0.1302679270505905},{"text":"It is just a matter of someone that we can call as a next of kin.","start":1420.29,"end":1423.875,"sentiment":"neutral","sentiment_score":0.14406045258510858}],"sentiment":"neutral","sentiment_score":0.11059166350197501,"num_words":41,"start":1407.385,"end":1423.875},{"sentences":[{"text":"Now email wise, do you you have you you have our email address okay?","start":1426.435,"end":1431.495,"sentiment":"neutral","sentiment_score":0.015059120553944792},{"text":"R one.","start":1435.075,"end":1435.555,"sentiment":"neutral","sentiment_score":0.008997417520731688},{"text":"So when you do when you have a chance to have spoken to your your kids, if they are yes.","start":1435.555,"end":1440.97,"sentiment":"neutral","sentiment_score":0.018819407979026436},{"text":"Yes.","start":1443.9099,"end":1444.4099,"sentiment":"neutral","sentiment_score":0.03777517378330231},{"text":"Yes.","start":1444.7899,"end":1445.19,"sentiment":"neutral","sentiment_score":0.06282714009284973}],"sentiment":"neutral","sentiment_score":0.01857402621719398,"num_words":38,"start":1426.435,"end":1445.19},{"sentences":[{"text":"Exactly.","start":1445.19,"end":1445.69,"sentiment":"neutral","sentiment_score":0.1166161522269249},{"text":"Yep.","start":1445.75,"end":1446.07,"sentiment":"neutral","sentiment_score":0.1844966262578964},{"text":"Perfect.","start":1446.07,"end":1446.47,"sentiment":"positive","sentiment_score":0.4994095265865326},{"text":"And then mhmm.","start":1446.47,"end":1450.32,"sentiment":"neutral","sentiment_score":0.09582434842983882},{"text":"Yes.","start":1450.32,"end":1450.82,"sentiment":"neutral","sentiment_score":0.04537506401538849}],"sentiment":"neutral","sentiment_score":0.16191005919660842,"num_words":7,"start":1445.19,"end":1450.82},{"sentences":[{"text":"Okay.","start":1453.125,"end":1453.625,"sentiment":"neutral","sentiment_score":0.0948350727558136},{"text":"Perfect.","start":1454.005,"end":1454.505,"sentiment":"neutral","sentiment_score":0.30059361457824707},{"text":"Yep.","start":1458.085,"end":1458.585,"sentiment":"neutral","sentiment_score":0.04241081699728966},{"text":"I'm still working as a teacher, though?","start":1459.365,"end":1461.625,"sentiment":"neutral","sentiment_score":0.060139737491096766},{"text":"Yep.","start":1462.325,"end":1462.645,"sentiment":"neutral","sentiment_score":0.14902496337890625}],"sentiment":"neutral","sentiment_score":0.09162205728617581,"num_words":11,"start":1453.125,"end":1462.645},{"sentences":[{"text":"Perfect.","start":1462.645,"end":1462.965,"sentiment":"positive","sentiment_score":0.4593545794486999},{"text":"And what kind of teacher are you?","start":1462.965,"end":1464.6649,"sentiment":"neutral","sentiment_score":0.15909145027399063},{"text":"Yeah.","start":1467.57,"end":1467.8099,"sentiment":"neutral","sentiment_score":0.12482002377510072},{"text":"And how do you find that?","start":1467.8099,"end":1469.2699,"sentiment":"neutral","sentiment_score":0.17244621366262436},{"text":"Oh, that's good.","start":1470.69,"end":1471.75,"sentiment":"positive","sentiment_score":0.602705200513204}],"sentiment":"neutral","sentiment_score":0.25225597992539406,"num_words":18,"start":1462.645,"end":1471.75},{"sentences":[{"text":"What you might notice, obviously, being an English teacher that I do have a bit of an accent.","start":1473.25,"end":1477.6699,"sentiment":"neutral","sentiment_score":0.049034442028237715},{"text":"So if you do pick up on it, I am Swedish originally.","start":1478.445,"end":1481.745,"sentiment":"neutral","sentiment_score":0.0596959525719285},{"text":"So if you do hear a little bit, that is why.","start":1482.2849,"end":1485.025,"sentiment":"neutral","sentiment_score":0.04782745038921183},{"text":"Now, otherwise, income wise, that may have changed obviously for you.","start":1489.085,"end":1493.72,"sentiment":"neutral","sentiment_score":-0.0622660754756494},{"text":"Sorry.","start":1493.72,"end":1494.12,"sentiment":"neutral","sentiment_score":-0.07295933365821838}],"sentiment":"neutral","sentiment_score":0.025795984486082814,"num_words":53,"start":1473.25,"end":1494.12},{"sentences":[{"text":"We had here down a 120.","start":1494.12,"end":1496.54,"sentiment":"neutral","sentiment_score":-0.04122745431959629},{"text":"Do you know where that's changed to now?","start":1497.16,"end":1499.18,"sentiment":"neutral","sentiment_score":-0.056204166263341904},{"text":"That's okay.","start":1503.735,"end":1504.475,"sentiment":"neutral","sentiment_score":-0.11211838200688362},{"text":"Yep.","start":1510.4551,"end":1510.9551,"sentiment":"neutral","sentiment_score":-0.03252337872982025},{"text":"That's our time.","start":1511.255,"end":1512.3151,"sentiment":"neutral","sentiment_score":-0.07721347237626712}],"sentiment":"neutral","sentiment_score":-0.05926993079483509,"num_words":20,"start":1494.12,"end":1512.3151},{"sentences":[{"text":"No.","start":1514.135,"end":1514.635,"sentiment":"neutral","sentiment_score":-0.1296924501657486},{"text":"Just a big payoff.","start":1517.27,"end":1518.49,"sentiment":"neutral","sentiment_score":-0.17216572538018227},{"text":"That's okay.","start":1519.1901,"end":1519.91,"sentiment":"neutral","sentiment_score":-0.0004816390573978424},{"text":"I'll just put it used to be one 20.","start":1519.91,"end":1522.0901,"sentiment":"neutral","sentiment_score":-0.018331956584006548},{"text":"Yes.","start":1523.51,"end":1524.01,"sentiment":"neutral","sentiment_score":0.040713027119636536}],"sentiment":"neutral","sentiment_score":-0.05550548305515857,"num_words":17,"start":1514.135,"end":1524.01},{"sentences":[{"text":"Yes.","start":1534.0851,"end":1534.5651,"sentiment":"neutral","sentiment_score":0.03730099648237229},{"text":"Yep.","start":1534.5651,"end":1535.0651,"sentiment":"neutral","sentiment_score":-0.020513378083705906},{"text":"Yes.","start":1540.0199,"end":1540.5199,"sentiment":"neutral","sentiment_score":-0.0776294395327568},{"text":"Okay.","start":1543.7799,"end":1544.2599,"sentiment":"neutral","sentiment_score":0.005761126056313515},{"text":"No.","start":1544.2599,"end":1544.5,"sentiment":"neutral","sentiment_score":-0.033599603921175}],"sentiment":"neutral","sentiment_score":-0.01773605979979038,"num_words":5,"start":1534.0851,"end":1544.5},{"sentences":[{"text":"That is no problem.","start":1544.5,"end":1545.38,"sentiment":"neutral","sentiment_score":0.059165142476558685},{"text":"I'll just make a little note on that.","start":1545.38,"end":1547.38,"sentiment":"neutral","sentiment_score":0.09679005853831768},{"text":"That is no problem.","start":1547.38,"end":1548.6799,"sentiment":"neutral","sentiment_score":0.19969666749238968},{"text":"Now do you know, though, that your employer, do they pay you that standard 12% contributions interest, or do you know if you have, like, a special enterprise bargain agreement that gives you entitlement more?","start":1549.7,"end":1565.875,"sentiment":"neutral","sentiment_score":0.004202272476894515},{"text":"To stand it.","start":1566.53,"end":1567.4299,"sentiment":"neutral","sentiment_score":-0.08291924248139064}],"sentiment":"neutral","sentiment_score":0.03163128735980502,"num_words":54,"start":1544.5,"end":1567.4299},{"sentences":[{"text":"Yep.","start":1568.2899,"end":1568.69,"sentiment":"neutral","sentiment_score":0.04047513008117676},{"text":"Okay.","start":1568.69,"end":1569.09,"sentiment":"neutral","sentiment_score":0.1155068576335907},{"text":"Perfect.","start":1569.09,"end":1569.59,"sentiment":"neutral","sentiment_score":0.29223161935806274},{"text":"Just a normal.","start":1569.65,"end":1570.5499,"sentiment":"neutral","sentiment_score":0.18835051854451498},{"text":"Now asset wise, I have here that you have a motor vehicle ride at about 15,000.","start":1571.89,"end":1577.6699,"sentiment":"neutral","sentiment_score":0.03655998583417386}],"sentiment":"neutral","sentiment_score":0.07264658800241622,"num_words":22,"start":1568.2899,"end":1577.6699},{"sentences":[{"text":"Is that still the case?","start":1577.73,"end":1578.885,"sentiment":"neutral","sentiment_score":0.014467312023043633},{"text":"Perfect.","start":1579.365,"end":1579.865,"sentiment":"neutral","sentiment_score":0.19647905230522156},{"text":"And you didn't have anything owing on that one, do you?","start":1580.005,"end":1582.585,"sentiment":"neutral","sentiment_score":0.036067480221390724},{"text":"No.","start":1583.925,"end":1584.405,"sentiment":"neutral","sentiment_score":-0.032797254621982574},{"text":"Great.","start":1584.405,"end":1584.905,"sentiment":"neutral","sentiment_score":0.095741406083107}],"sentiment":"neutral","sentiment_score":0.03834221296404537,"num_words":19,"start":1577.73,"end":1584.905},{"sentences":[{"text":"Now do you have any other assets or changes in the last twelve months?","start":1585.045,"end":1589.385,"sentiment":"neutral","sentiment_score":0.005043731270624059},{"text":"No.","start":1590.485,"end":1590.725,"sentiment":"neutral","sentiment_score":-0.06932768225669861},{"text":"Perfect.","start":1590.725,"end":1591.225,"sentiment":"neutral","sentiment_score":-0.018407849594950676},{"text":"And any other liabilities, like personal loans or credit cards or anything like that?","start":1591.9,"end":1597.2,"sentiment":"neutral","sentiment_score":-0.0570264076148825},{"text":"Nope.","start":1597.82,"end":1598.32,"sentiment":"neutral","sentiment_score":-0.06379200518131256}],"sentiment":"neutral","sentiment_score":-0.02836403244685742,"num_words":31,"start":1585.045,"end":1598.32},{"sentences":[{"text":"Yep.","start":1599.66,"end":1600.16,"sentiment":"neutral","sentiment_score":-0.05187341570854187},{"text":"Okay.","start":1602.7,"end":1603.1,"sentiment":"neutral","sentiment_score":0.0016181981191039083},{"text":"And do you know how much he's owing on the credit card by any chance?","start":1603.1,"end":1606.24,"sentiment":"neutral","sentiment_score":-0.010205925566454728},{"text":"Okay.","start":1607.455,"end":1607.695,"sentiment":"neutral","sentiment_score":0.044791750609874725},{"text":"Yep.","start":1607.695,"end":1608.195,"sentiment":"neutral","sentiment_score":0.10498616099357604}],"sentiment":"neutral","sentiment_score":-0.002819273130674112,"num_words":19,"start":1599.66,"end":1608.195},{"sentences":[{"text":"Perfect.","start":1608.255,"end":1608.755,"sentiment":"neutral","sentiment_score":0.21465083956718445},{"text":"Now when it comes to health and lifestyle, I have you down here as a nonsmoker.","start":1612.495,"end":1616.9149,"sentiment":"neutral","sentiment_score":0.044491588796518045},{"text":"Is that still the case?","start":1617.135,"end":1618.35,"sentiment":"neutral","sentiment_score":0.01199597679078579},{"text":"Yep.","start":1619.3099,"end":1619.63,"sentiment":"neutral","sentiment_score":0.08554345369338989},{"text":"Perfect.","start":1619.63,"end":1620.13,"sentiment":"neutral","sentiment_score":0.19505760073661804}],"sentiment":"neutral","sentiment_score":0.05279571661230875,"num_words":24,"start":1608.255,"end":1620.13},{"sentences":[{"text":"Yeah.","start":1621.39,"end":1621.89,"sentiment":"neutral","sentiment_score":0.023738570511341095},{"text":"Just as every now and then.","start":1622.03,"end":1623.57,"sentiment":"neutral","sentiment_score":0.022581362165510654},{"text":"And have you had any significant health issues or injuries or anything in the last twelve months?","start":1624.91,"end":1630.91,"sentiment":"neutral","sentiment_score":-0.041784455342327845},{"text":"Alright.","start":1630.91,"end":1631.3099,"sentiment":"neutral","sentiment_score":0.03681954741477966},{"text":"Great.","start":1631.3099,"end":1631.8099,"sentiment":"neutral","sentiment_score":0.12020522356033324}],"sentiment":"neutral","sentiment_score":-0.015157085628463672,"num_words":26,"start":1621.39,"end":1631.8099},{"sentences":[{"text":"And do you have private health insurance?","start":1632.03,"end":1633.89,"sentiment":"neutral","sentiment_score":0.043282454035111835},{"text":"Yep.","start":1635.1649,"end":1635.4049,"sentiment":"neutral","sentiment_score":0.031227555125951767},{"text":"And that is hospital as well?","start":1635.4049,"end":1637.1849,"sentiment":"neutral","sentiment_score":0.031220274977385998},{"text":"Yep.","start":1638.445,"end":1638.945,"sentiment":"neutral","sentiment_score":0.047685183584690094},{"text":"Okay.","start":1639.085,"end":1639.585,"sentiment":"neutral","sentiment_score":0.13684538006782532}],"sentiment":"neutral","sentiment_score":0.044128559180535376,"num_words":16,"start":1632.03,"end":1639.585},{"sentences":[{"text":"Perfect.","start":1639.965,"end":1640.465,"sentiment":"neutral","sentiment_score":0.2172900140285492},{"text":"And the last thing is just estate planning wise.","start":1641.245,"end":1645.0249,"sentiment":"neutral","sentiment_score":0.05427837744355202},{"text":"Do you have a will or power of attorney or anything like that in place?","start":1645.1649,"end":1649.1849,"sentiment":"neutral","sentiment_score":0.0031562961637973787},{"text":"Nope.","start":1652.3501,"end":1652.67,"sentiment":"neutral","sentiment_score":-0.24465803802013397},{"text":"Nope.","start":1652.67,"end":1653.15,"sentiment":"neutral","sentiment_score":-0.25307705998420715}],"sentiment":"neutral","sentiment_score":0.009459435387893959,"num_words":27,"start":1639.965,"end":1653.15},{"sentences":[{"text":"Kind of on the to do list.","start":1653.15,"end":1654.6101,"sentiment":"neutral","sentiment_score":-0.253732510975429},{"text":"Yep.","start":1655.79,"end":1656.29,"sentiment":"neutral","sentiment_score":0.06155816465616226},{"text":"That's okay.","start":1658.3501,"end":1658.8301,"sentiment":"neutral","sentiment_score":0.2266589030623436},{"text":"Most people are the same.","start":1658.8301,"end":1659.9501,"sentiment":"neutral","sentiment_score":0.21800961196422577},{"text":"It's just that's fine.","start":1659.9501,"end":1660.67,"sentiment":"neutral","sentiment_score":0.2668476700782776}],"sentiment":"neutral","sentiment_score":0.047167743899320304,"num_words":19,"start":1653.15,"end":1660.67},{"sentences":[{"text":"Every little review is just a little reminder.","start":1660.67,"end":1662.6901,"sentiment":"neutral","sentiment_score":0.13850748538970947},{"text":"Now if when you do get around to it, obviously, I know things are a little bit crazy for you coming back from holiday.","start":1663.995,"end":1668.8151,"sentiment":"neutral","sentiment_score":-0.014720053567240635},{"text":"If you would like us to send you any information about from a from a firm that we work with closely, If you do need assistance having a look at a will of power of attorney, I think just let us know, or we can always click that through to you.","start":1669.115,"end":1681.64,"sentiment":"neutral","sentiment_score":0.036901490543695056},{"text":"Yep.","start":1682.26,"end":1682.76,"sentiment":"positive","sentiment_score":0.3464610278606415},{"text":"No.","start":1683.78,"end":1684.1,"sentiment":"neutral","sentiment_score":0.08283688127994537}],"sentiment":"neutral","sentiment_score":0.03607120616909336,"num_words":85,"start":1660.67,"end":1684.1},{"sentences":[{"text":"That's okay.","start":1684.1,"end":1684.98,"sentiment":"neutral","sentiment_score":0.1385871358215809},{"text":"Now I do also wanna text.","start":1684.98,"end":1686.5,"sentiment":"neutral","sentiment_score":0.10904736816883087},{"text":"So when it comes to superannuation, so in the event that something were to happen to you, you do currently have three nominations on an equal split.","start":1686.5,"end":1695.885,"sentiment":"neutral","sentiment_score":0.08889014411855627},{"text":"Yeah.","start":1696.745,"end":1697.245,"sentiment":"neutral","sentiment_score":0.04683598875999451},{"text":"Now are those three your children?","start":1697.305,"end":1699.9651,"sentiment":"neutral","sentiment_score":0.04873839455346266}],"sentiment":"neutral","sentiment_score":0.08739901733185564,"num_words":42,"start":1684.1,"end":1699.9651},{"sentences":[{"text":"Yep.","start":1700.985,"end":1701.385,"sentiment":"neutral","sentiment_score":0.14888116717338562},{"text":"Beautiful.","start":1701.385,"end":1701.865,"sentiment":"positive","sentiment_score":0.5022146105766296},{"text":"And you're still happy with that?","start":1701.865,"end":1703.405,"sentiment":"neutral","sentiment_score":0.31873519718647003},{"text":"Yep.","start":1704.3501,"end":1704.8501,"sentiment":"neutral","sentiment_score":0.09547662734985352},{"text":"Yep.","start":1705.55,"end":1705.9501,"sentiment":"neutral","sentiment_score":0.2073827087879181}],"sentiment":"neutral","sentiment_score":0.28663662970066073,"num_words":10,"start":1700.985,"end":1705.9501},{"sentences":[{"text":"Great.","start":1705.9501,"end":1706.27,"sentiment":"positive","sentiment_score":0.6296970844268799},{"text":"Perfect.","start":1706.27,"end":1706.75,"sentiment":"positive","sentiment_score":0.5906074047088623},{"text":"Now it is still a non lapsing option, so that stays in place until you decide to change it, which is great.","start":1706.75,"end":1712.13,"sentiment":"neutral","sentiment_score":0.33320759710940445},{"text":"So no changes needed on that end.","start":1712.99,"end":1715.9701,"sentiment":"neutral","sentiment_score":0.1709011931504522},{"text":"The last thing to kind of touch base on usually doing annual reviews, which is good to know, is just kind of goals, the stuff that you are working towards so that you are wanting to achieve.","start":1717.225,"end":1725.885,"sentiment":"neutral","sentiment_score":0.18663011028154478}],"sentiment":"neutral","sentiment_score":0.24488961850019061,"num_words":68,"start":1705.9501,"end":1725.885},{"sentences":[{"text":"Now I know again that you kind of came back, so things are a little bit all over the shop at the moment, which is perfectly understandable.","start":1726.1849,"end":1732.1201,"sentiment":"neutral","sentiment_score":-0.030737556103203032},{"text":"But when we spoke to you last time, your your focus in kind of, like, the medium term was to potentially build a yoga studio.","start":1733.14,"end":1741.56,"sentiment":"neutral","sentiment_score":0.03328207693994045},{"text":"Is that still something that you are kind of planning on doing?","start":1741.78,"end":1745.0801,"sentiment":"neutral","sentiment_score":0.03585149363304178},{"text":"Yeah.","start":1745.775,"end":1746.275,"sentiment":"neutral","sentiment_score":0.026018043980002403},{"text":"Yep.","start":1750.175,"end":1750.675,"sentiment":"neutral","sentiment_score":0.048219144344329834}],"sentiment":"neutral","sentiment_score":0.007675651827770652,"num_words":66,"start":1726.1849,"end":1750.675},{"sentences":[{"text":"Yes.","start":1752.3351,"end":1752.8351,"sentiment":"neutral","sentiment_score":0.06590826064348221},{"text":"Yep.","start":1753.615,"end":1754.115,"sentiment":"neutral","sentiment_score":0.06606199592351913},{"text":"Okay.","start":1755.6951,"end":1756.1951,"sentiment":"neutral","sentiment_score":0.07110248506069183},{"text":"Yeah.","start":1758.51,"end":1759.01,"sentiment":"neutral","sentiment_score":0.009612644091248512},{"text":"Mhmm.","start":1766.67,"end":1767.17,"sentiment":"neutral","sentiment_score":-0.011491162702441216}],"sentiment":"neutral","sentiment_score":0.04023884460330009,"num_words":5,"start":1752.3351,"end":1767.17},{"sentences":[{"text":"Okay.","start":1772.445,"end":1772.945,"sentiment":"neutral","sentiment_score":0.032283470034599304},{"text":"Yep.","start":1773.005,"end":1773.505,"sentiment":"neutral","sentiment_score":0.014165813103318214},{"text":"Yeah.","start":1775.1649,"end":1775.6649,"sentiment":"neutral","sentiment_score":0.003385620191693306},{"text":"Gave me a bit more security.","start":1775.725,"end":1777.1849,"sentiment":"neutral","sentiment_score":-0.01620492059737444},{"text":"And do you have a mortgage broker?","start":1777.245,"end":1780.845,"sentiment":"neutral","sentiment_score":-0.00026475611541952403}],"sentiment":"neutral","sentiment_score":-0.00307799456641078,"num_words":16,"start":1772.445,"end":1780.845},{"sentences":[{"text":"Have you ever spoken to a mortgage broker or anything?","start":1780.845,"end":1783.1849,"sentiment":"neutral","sentiment_score":-0.016468131076544525},{"text":"No.","start":1783.74,"end":1784.24,"sentiment":"neutral","sentiment_score":-0.2084011733531952},{"text":"Oh, yes.","start":1789.42,"end":1790.16,"sentiment":"neutral","sentiment_score":-0.010549059137701986},{"text":"Yep.","start":1793.34,"end":1793.84,"sentiment":"neutral","sentiment_score":-0.029625993221998215},{"text":"Okay.","start":1796.475,"end":1796.975,"sentiment":"neutral","sentiment_score":0.3159419298171997}],"sentiment":"neutral","sentiment_score":-0.00719097771992286,"num_words":15,"start":1780.845,"end":1796.975},{"sentences":[{"text":"Perfect.","start":1797.035,"end":1797.515,"sentiment":"positive","sentiment_score":0.5028718709945679},{"text":"And if when when when time comes around to it, if you would like, just let us know because we have, some mortgage brokers that we work with very closely that would be happy to give you a call and do a bit of an assessment and seeing, you know, how much you could borrow and what that might look like.","start":1797.515,"end":1815.0701,"sentiment":"neutral","sentiment_score":0.18179971248400015},{"text":"So if you do need that assistance, just just give us a call, and we're more than happy to, get them to reach out to you.","start":1815.53,"end":1821.375,"sentiment":"neutral","sentiment_score":0.32127197029498905},{"text":"No.","start":1822.895,"end":1823.215,"sentiment":"neutral","sentiment_score":0.01927465572953224},{"text":"That's okay.","start":1823.215,"end":1824.035,"sentiment":"neutral","sentiment_score":0.0543229915201664}],"sentiment":"neutral","sentiment_score":0.22058951866986987,"num_words":91,"start":1797.035,"end":1824.035},{"sentences":[{"text":"Now that was basically everything that I kind of needed to touch on on my end.","start":1824.175,"end":1828.255,"sentiment":"neutral","sentiment_score":0.05697914375923574},{"text":"But do you have any other questions for me at this point?","start":1828.255,"end":1831.555,"sentiment":"neutral","sentiment_score":0.025501308186600607},{"text":"Nope.","start":1832.895,"end":1833.39,"sentiment":"neutral","sentiment_score":-0.10004276037216188},{"text":"Oh, good.","start":1836.35,"end":1837.09,"sentiment":"neutral","sentiment_score":0.1346021294593811},{"text":"Yep.","start":1838.11,"end":1838.61,"sentiment":"neutral","sentiment_score":0.08127517998218536}],"sentiment":"neutral","sentiment_score":0.04587870865361765,"num_words":32,"start":1824.175,"end":1838.61},{"sentences":[{"text":"Okay.","start":1841.63,"end":1842.13,"sentiment":"neutral","sentiment_score":0.020417850464582443},{"text":"Yes.","start":1846.765,"end":1847.265,"sentiment":"neutral","sentiment_score":0.07366815209388733},{"text":"Decision.","start":1849.5651,"end":1850.0651,"sentiment":"neutral","sentiment_score":0.04281330853700638},{"text":"Yes.","start":1850.525,"end":1851.005,"sentiment":"neutral","sentiment_score":0.09116724133491516},{"text":"Okay.","start":1851.005,"end":1851.485,"sentiment":"neutral","sentiment_score":0.27392125129699707}],"sentiment":"neutral","sentiment_score":0.10039756074547768,"num_words":5,"start":1841.63,"end":1851.485},{"sentences":[{"text":"Beautiful.","start":1851.485,"end":1851.985,"sentiment":"positive","sentiment_score":0.4236160516738891},{"text":"Now like I said, I will let the team know about the little glitch in IT.","start":1852.285,"end":1856.4651,"sentiment":"neutral","sentiment_score":0.04122907412238419},{"text":"They will send you the documents tomorrow.","start":1857.165,"end":1859.665,"sentiment":"neutral","sentiment_score":0.10124513081141881},{"text":"Keep a lookout for your email.","start":1860.52,"end":1862.14,"sentiment":"neutral","sentiment_score":0.255109300216039},{"text":"Take your time.","start":1862.68,"end":1863.64,"sentiment":"neutral","sentiment_score":0.21860837439695993}],"sentiment":"neutral","sentiment_score":0.12055994175148732,"num_words":33,"start":1851.485,"end":1863.64},{"sentences":[{"text":"Have a have a read over.","start":1863.64,"end":1864.92,"sentiment":"neutral","sentiment_score":0.1454246665040652},{"text":"Any questions, like I said, just send us an email, give me a call, and we can always go through them and take things from there.","start":1864.92,"end":1871.5,"sentiment":"neutral","sentiment_score":0.1481565026423106},{"text":"Yep.","start":1872.6951,"end":1873.1951,"sentiment":"positive","sentiment_score":0.5515973567962646},{"text":"Mhmm.","start":1874.615,"end":1875.115,"sentiment":"neutral","sentiment_score":0.18984141945838928},{"text":"No problem at all.","start":1875.335,"end":1876.635,"sentiment":"neutral","sentiment_score":0.29147519916296005}],"sentiment":"neutral","sentiment_score":0.17452517475344634,"num_words":38,"start":1863.64,"end":1876.635},{"sentences":[{"text":"I appreciate your time with me this afternoon as well, and I hope you enjoy the rest of your afternoon or evening.","start":1877.495,"end":1885.919,"sentiment":"positive","sentiment_score":0.6106363440101797},{"text":"No worries.","start":1886.2189,"end":1886.8589,"sentiment":"neutral","sentiment_score":0.2886207327246666},{"text":"We'll speak 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I'll see if this person is available. Thanks. Please stay on the line. Hello? I'm good. Thank you, Monica. Thanks for calling back on time. Yeah. Yeah. Yeah. Yeah. Yeah. This is a good time for me. Thank you. Yep. That's fine. Mhmm. Mhmm. So name is Sharon Shams. Date of birth is 09/14/1967. What was the third one? 11 Aruma Avenue In Kellyville 2155. I'm pretty good. Yeah. It's my day with my grandson, so it's always the best day. Yes. Probably just gonna be a catch up. Can I just I'm actually gonna take my phone off the and put it on speaker, if you don't mind? K. Can you still hear me, Monica? Yeah. I'm just gonna put your volume up. Put the volume up. Okay. Is that better? Okay. Yeah. I actually wanted to sort of find out, basically, how my what what my whatever. How is it going? How's the investment and stuff like that? Because I'm the kind of person, unfortunately, just haven't got the head and the time at this present moment to sort of really look through and review my, you know, superannuation, all everything that's going going on. So I just wanted to find out where is that and how is it going with this current global market that's totally gone belly up. No. I don't have any access. I don't I'm I've just had the phone. I have not got anything at the moment. Mhmm. Yeah. Yeah. Yeah. Yep. Yeah. Oh, okay. Yeah. Yeah. Yeah. Yeah. So you've actually sort of outlined everything that's been going on exactly. Okay. Alright. Fair enough. Okay. Yeah. Mhmm. Oh, okay. So it hasn't come through yet. Oh, okay. Okay. Okay. Alright. Not a problem. Not a problem. Okay. Mhmm. Okay. Yeah. Yeah. Okay. Okay. So tell me, I mean, why am I paying insurance? What's the insurance for? Okay. Alright. Okay. Right. Awesome. No. No. No. Carry on. Alright. Okay. Okay. Okay. Alright. Yeah. No. At the moment, no. I I don't wanna take out those type of insurances right now. I I don't feel I don't I I just I'm not comfortable with that. Yeah. Okay. Thank you. Yep. Yeah. Okay. Sure. Okay. Yep. Yep. No. Not for another ten years for sure. Yeah. I can't tell you that right now. Okay. Yeah. It it yeah. Yeah. Yeah. That's what probably yeah. Yep. High to moderate. Not very high. Mhmm. Cool. Yeah. Yeah. And I think I I I am the person who probably just wanna hold on to make sure that it'll come up. I because I if I sell it, then it's gonna be at the lower price, and I'm not gonna get anything at all. So yeah. Stop. Yeah. Yeah. Yeah. Right now okay. It will get me concerned, but I'm not going to act upon I'm not going to react to it. I will just respond to it in a in a manner where I'm not sort of acting out in in haste to detrimental my my investment. So I guess I I guess I will again wait and see what's going on. Yeah. No. Not to invest in share markets. No. I would probably do that. We spoke to each other well, I spoke with your company about a year ago. A lot has happened in my life. There's no way I'm gonna remember anything much. Yeah. Okay. Okay. Okay. Okay. Okay. Okay. Okay. Okay. Sure. Sure. Sure. Sure. Okay. Yeah. Sir, just can I just stop you for one second? Excuse me. Thank you. My apologies for the cough. Yep. Yeah. I I I have I have hay fever, and I continuously have cough every now and then. Yep. Yeah. Okay. Okay. Thank you. Thank you. Yeah. Yep. Yep. Yep. Yep. Yep. Alright. Mhmm. Okay. Okay. Okay. Okay. Mhmm. If if I did get it, look, I probably would not have responded to it simply because I was overseas at that time on a holiday. I was not in a time frame of doing anything at that point of time, and I also didn't have proper access to Internet as well. Yeah. Mhmm. Yep. Okay. Okay. Yeah. Okay. Okay. Okay. Mhmm. Yep. Okay. Alright. Okay. Okay. Okay. Mhmm. Okay. Okay. Yeah. It it does make a little bit of sense. Again, like I said, I'm not very financial savvy. So it somewhat makes sense, and I I'm getting it. But, again, like I said, I will not be able to 100% understand exactly, but till I actually have had a read through it. Yeah. Yeah. Yep. Okay. Okay. Okay. Mhmm. Okay. Yep. Okay. Okay. Thank you so much for that, Monica. Okay. Yep. Yeah. Okay. Okay. Okay. Yep. Yep. Okay. Okay. Okay. Thank you. Okay. Yeah. Okay. Okay. Yeah. Yeah. Yep. Next year issue. Yeah. Okay. Okay. Oh, okay. Okay. Okay. Yep. That's all good. Yeah. Alright. Okay. Alright. What kind of changes does that Okay. Yeah. Yeah. But, technically, he's still living with me, so it's well, food and everything is still yeah. Yeah. Because he's living at home. I mean, like, he's working and everything, but he's also like, I'm I'm sort of because of a slight disability that he's got, I'm having to, you know, look after the house and paint, wash, make for it, and all of that stuff for him. So yeah. Yeah. Yeah. Okay. Can I email that to you? I'll just have to ask my children if they can if they will if they're willing to be that. Yeah. Okay. Okay. Alright. Your my email address? Oh, yeah. Yeah. I think yeah. I'll call through Oak your financials anyway. So through that. Okay. Yeah. And the other important thing that I do need to let you guys know that I'm now working four days a week rather than five days a week. So full I'm I'm not full time. I'm part time at the moment. Yep. Yep. High school English teacher. I love it. Oh, don't worry about that. Okay. Yes. I have no clue at the moment. I can't tell you. Again, like I said, I've just come I've come from holidays, gone into part time. Haven't done. Just sitting down to get my head around everything. So with my income and financials and everything, it's just happening slowly, but it's happening. Yeah. So there's gonna be pro rata of what I've told you. It's yeah. So I'm gonna find that out soon because that is and it I can only say that after the next at at the end of the financial year because I was part time and I've been full time and part time, so I can't you know, so there's there's gonna be a bit of a change in in that. Yep. No. That just just the regular one. I don't have any enterprise bargaining. Yeah. Yeah. No. No. I haven't had any. No. No. Credit cards, yes, but no no personal loans or anything like that. About 3,000. Yep. I'm just an occasional. Yeah. Yep. No. No. Yes. Yes. No. Not yet. No. Yeah. It's still yeah. Alright. No worries. Thank you. Thank you. Yeah. Yeah. Yep. Yes. That'll that'll continue. Yeah. Well, at the moment, my one of the biggest goal is to be able to find an apartment so that I'm no longer renting. I I I I my that's my first thing. With the yoga business and my family growing, I think that is something that I've sort of put to a little bit on this on the shelf for the moment. But the biggest thing is for me to find a an apartment for myself and my son so that we move out of rental. Yep. Yeah. No. No. I haven't. I'm just waiting for my son's job to he's on probation at the moment, so that to finish so that we can figure out what financials we have and what we can afford and things like that. Yeah. Yep. Sure. Sure. Sure. Sure. Okay. Alright. Appreciate that. Thank you. Yep. No. No. I think you pretty much answered a lot of my questions as we were con conversing and sort of I'm I'm okay with that. And I can't ask you anything till I've actually read stuff and find out what's going on, and then I can make it then I can have a further conversation with you. Yeah. Okay? Thank you. Yep. Awesome. Thanks. Sounds that sounds great. Thank you so much. Really appreciate your call. Thank you very much. Alright. Thank you so much. Thanks. Talk to you later. 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record your name and reason for calling. I'll see if this person is available. Thanks. Please stay on the line. Hello?\n\nI'm good. Thank you, Monica. Thanks for calling back on time. Yeah. Yeah.\n\nYeah. Yeah. Yeah. This is a good time for me. Thank you.\n\nYep. That's fine. Mhmm. Mhmm. So name is Sharon Shams.\n\nDate of birth is 09/14/1967. What was the third one? 11 Aruma Avenue In Kellyville 2155. I'm pretty good. Yeah.\n\nIt's my day with my grandson, so it's always the best day. Yes. Probably just gonna be a catch up. Can I just I'm actually gonna take my phone off the and put it on speaker, if you don't mind? K.\n\nCan you still hear me, Monica? Yeah. I'm just gonna put your volume up. Put the volume up. Okay.\n\nIs that better? Okay. Yeah. I actually wanted to sort of find out, basically, how my what what my whatever. How is it going?\n\nHow's the investment and stuff like that? Because I'm the kind of person, unfortunately, just haven't got the head and the time at this present moment to sort of really look through and review my, you know, superannuation, all everything that's going going on. So I just wanted to find out where is that and how is it going with this current global market that's totally gone belly up. No. I don't have any access.\n\nI don't I'm I've just had the phone. I have not got anything at the moment. Mhmm. Yeah. Yeah.\n\nYeah. Yep. Yeah. Oh, okay. Yeah.\n\nYeah. Yeah. Yeah. So you've actually sort of outlined everything that's been going on exactly. Okay.\n\nAlright. Fair enough. Okay. Yeah. Mhmm.\n\nOh, okay. So it hasn't come through yet. Oh, okay. Okay. Okay.\n\nAlright. Not a problem. Not a problem. Okay. Mhmm.\n\nOkay. Yeah. Yeah. Okay. Okay.\n\nSo tell me, I mean, why am I paying insurance? What's the insurance for? Okay. Alright. Okay.\n\nRight. Awesome. No. No. No.\n\nCarry on. Alright. Okay. Okay. Okay.\n\nAlright. Yeah. No. At the moment, no. I I don't wanna take out those type of insurances right now.\n\nI I don't feel I don't I I just I'm not comfortable with that. Yeah. Okay. Thank you. Yep.\n\nYeah. Okay. Sure. Okay. Yep.\n\nYep. No. Not for another ten years for sure. Yeah. I can't tell you that right now.\n\nOkay. Yeah. It it yeah. Yeah. Yeah.\n\nThat's what probably yeah. Yep. High to moderate. Not very high. Mhmm.\n\nCool. Yeah. Yeah. And I think I I I am the person who probably just wanna hold on to make sure that it'll come up. I because I if I sell it, then it's gonna be at the lower price, and I'm not gonna get anything at all.\n\nSo yeah. Stop. Yeah. Yeah. Yeah.\n\nRight now okay. It will get me concerned, but I'm not going to act upon I'm not going to react to it. I will just respond to it in a in a manner where I'm not sort of acting out in in haste to detrimental my my investment. So I guess I I guess I will again wait and see what's going on. Yeah.\n\nNo. Not to invest in share markets. No. I would probably do that. We spoke to each other well, I spoke with your company about a year ago.\n\nA lot has happened in my life. There's no way I'm gonna remember anything much. Yeah. Okay. Okay.\n\nOkay. Okay. Okay. Okay. Okay.\n\nOkay. Sure. Sure. Sure. Sure.\n\nOkay. Yeah. Sir, just can I just stop you for one second? Excuse me. Thank you.\n\nMy apologies for the cough. Yep. Yeah. I I I have I have hay fever, and I continuously have cough every now and then. Yep.\n\nYeah. Okay. Okay. Thank you. Thank you.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Alright. Mhmm. Okay. Okay.\n\nOkay. Okay. Mhmm. If if I did get it, look, I probably would not have responded to it simply because I was overseas at that time on a holiday. I was not in a time frame of doing anything at that point of time, and I also didn't have proper access to Internet as well.\n\nYeah. Mhmm. Yep. Okay. Okay.\n\nYeah. Okay. Okay. Okay. Mhmm.\n\nYep. Okay. Alright. Okay. Okay.\n\nOkay. Mhmm. Okay. Okay. Yeah.\n\nIt it does make a little bit of sense. Again, like I said, I'm not very financial savvy. So it somewhat makes sense, and I I'm getting it. But, again, like I said, I will not be able to 100% understand exactly, but till I actually have had a read through it. Yeah.\n\nYeah. Yep. Okay. Okay. Okay.\n\nMhmm. Okay. Yep. Okay. Okay.\n\nThank you so much for that, Monica. Okay. Yep. Yeah. Okay.\n\nOkay. Okay. Yep. Yep. Okay.\n\nOkay. Okay. Thank you. Okay. Yeah.\n\nOkay. Okay. Yeah. Yeah. Yep.\n\nNext year issue. Yeah. Okay. Okay. Oh, okay.\n\nOkay. Okay. Yep. That's all good. Yeah.\n\nAlright. Okay. Alright. What kind of changes does that Okay. Yeah.\n\nYeah. But, technically, he's still living with me, so it's well, food and everything is still yeah. Yeah. Because he's living at home. I mean, like, he's working and everything, but he's also like, I'm I'm sort of because of a slight disability that he's got, I'm having to, you know, look after the house and paint, wash, make for it, and all of that stuff for him.\n\nSo yeah. Yeah. Yeah. Okay. Can I email that to you?\n\nI'll just have to ask my children if they can if they will if they're willing to be that. Yeah. Okay. Okay. Alright.\n\nYour my email address? Oh, yeah. Yeah. I think yeah. I'll call through Oak your financials anyway.\n\nSo through that. Okay. Yeah. And the other important thing that I do need to let you guys know that I'm now working four days a week rather than five days a week. So full I'm I'm not full time.\n\nI'm part time at the moment. Yep. Yep. High school English teacher. I love it.\n\nOh, don't worry about that. Okay. Yes. I have no clue at the moment. I can't tell you.\n\nAgain, like I said, I've just come I've come from holidays, gone into part time. Haven't done. Just sitting down to get my head around everything. So with my income and financials and everything, it's just happening slowly, but it's happening. Yeah.\n\nSo there's gonna be pro rata of what I've told you. It's yeah. So I'm gonna find that out soon because that is and it I can only say that after the next at at the end of the financial year because I was part time and I've been full time and part time, so I can't you know, so there's there's gonna be a bit of a change in in that. Yep. No.\n\nThat just just the regular one. I don't have any enterprise bargaining. Yeah. Yeah. No.\n\nNo. I haven't had any. No. No. Credit cards, yes, but no no personal loans or anything like that.\n\nAbout 3,000. Yep. I'm just an occasional. Yeah. Yep.\n\nNo. No. Yes. Yes. No.\n\nNot yet. No. Yeah. It's still yeah. Alright.\n\nNo worries. Thank you. Thank you. Yeah. Yeah.\n\nYep. Yes. That'll that'll continue. Yeah. Well, at the moment, my one of the biggest goal is to be able to find an apartment so that I'm no longer renting.\n\nI I I I my that's my first thing. With the yoga business and my family growing, I think that is something that I've sort of put to a little bit on this on the shelf for the moment. But the biggest thing is for me to find a an apartment for myself and my son so that we move out of rental. Yep. Yeah.\n\nNo. No. I haven't. I'm just waiting for my son's job to he's on probation at the moment, so that to finish so that we can figure out what financials we have and what we can afford and things like that. Yeah.\n\nYep. Sure. Sure. Sure. Sure.\n\nOkay. Alright. Appreciate that. Thank you. Yep.\n\nNo. No. I think you pretty much answered a lot of my questions as we were con conversing and sort of I'm I'm okay with that. And I can't ask you anything till I've actually read stuff and find out what's going on, and then I can make it then I can have a further conversation with you. Yeah.\n\nOkay? Thank you. Yep. Awesome. Thanks.\n\nSounds that sounds great. Thank you so much. Really appreciate your call. Thank you very much. Alright.\n\nThank you so much. Thanks. Talk to you later. Bye.","paragraphs":[{"sentences":[{"text":"You record your name and reason for calling.","start":0.24,"end":2.48,"sentiment":"neutral","sentiment_score":0.002926312037743628},{"text":"I'll see if this person is available.","start":2.48,"end":4.26,"sentiment":"neutral","sentiment_score":0.010715357027947903},{"text":"Thanks.","start":12.88,"end":13.38,"sentiment":"neutral","sentiment_score":0.3302570581436157},{"text":"Please stay on the line.","start":13.695,"end":15.075,"sentiment":"neutral","sentiment_score":0.17298552989959717},{"text":"Hello?","start":21.135,"end":21.635,"sentiment":"neutral","sentiment_score":0.10086914896965028}],"sentiment":"neutral","sentiment_score":0.06338508418676528,"num_words":22,"start":0.24,"end":21.635},{"sentences":[{"text":"I'm good.","start":26.31,"end":26.63,"sentiment":"positive","sentiment_score":0.46856778860092163},{"text":"Thank you, Monica.","start":26.63,"end":27.51,"sentiment":"positive","sentiment_score":0.5864804784456888},{"text":"Thanks for calling back on time.","start":27.51,"end":29.13,"sentiment":"positive","sentiment_score":0.5742102762063345},{"text":"Yeah.","start":36.95,"end":37.11,"sentiment":"neutral","sentiment_score":0.0885956883430481},{"text":"Yeah.","start":37.11,"end":37.27,"sentiment":"neutral","sentiment_score":0.0906613916158676}],"sentiment":"positive","sentiment_score":0.48623813459506404,"num_words":13,"start":26.31,"end":37.27},{"sentences":[{"text":"Yeah.","start":37.27,"end":37.51,"sentiment":"neutral","sentiment_score":0.09582936763763428},{"text":"Yeah.","start":37.51,"end":37.67,"sentiment":"neutral","sentiment_score":0.12436543405056},{"text":"Yeah.","start":37.67,"end":37.91,"sentiment":"neutral","sentiment_score":0.2051662504673004},{"text":"This is a good time for me.","start":37.91,"end":39.11,"sentiment":"positive","sentiment_score":0.3459710351058415},{"text":"Thank you.","start":39.11,"end":39.77,"sentiment":"positive","sentiment_score":0.45000243186950684}],"sentiment":"neutral","sentiment_score":0.3122635968029499,"num_words":12,"start":37.27,"end":39.77},{"sentences":[{"text":"Yep.","start":49.454998,"end":49.774998,"sentiment":"neutral","sentiment_score":0.09356662631034852},{"text":"That's fine.","start":49.774998,"end":50.594997,"sentiment":"neutral","sentiment_score":0.18205828219652176},{"text":"Mhmm.","start":57.93,"end":58.43,"sentiment":"neutral","sentiment_score":0.04346337914466858},{"text":"Mhmm.","start":61.530003,"end":62.030003,"sentiment":"neutral","sentiment_score":0.006798866204917431},{"text":"So name is Sharon Shams.","start":62.25,"end":64.090004,"sentiment":"neutral","sentiment_score":0.0089330461807549}],"sentiment":"neutral","sentiment_score":0.05526106669567525,"num_words":10,"start":49.454998,"end":64.090004},{"sentences":[{"text":"Date of birth is 09/14/1967.","start":64.090004,"end":66.75,"sentiment":"neutral","sentiment_score":0.011107640713453293},{"text":"What was the third one?","start":66.97,"end":68.270004,"sentiment":"neutral","sentiment_score":0.01209524367004633},{"text":"11 Aruma Avenue In Kellyville 2155.","start":71.795006,"end":75.255005,"sentiment":"neutral","sentiment_score":0.019760412474473316},{"text":"I'm pretty good.","start":80.19501,"end":80.83501,"sentiment":"neutral","sentiment_score":0.299469918012619},{"text":"Yeah.","start":80.83501,"end":81.075005,"sentiment":"neutral","sentiment_score":0.24363671243190765}],"sentiment":"neutral","sentiment_score":0.06883116816170513,"num_words":20,"start":64.090004,"end":81.075005},{"sentences":[{"text":"It's my day with my grandson, so it's always the best day.","start":81.075005,"end":84.375,"sentiment":"neutral","sentiment_score":0.2755422281722228},{"text":"Yes.","start":103.735,"end":104.135,"sentiment":"neutral","sentiment_score":-0.0012320969253778458},{"text":"Probably just gonna be a catch up.","start":104.135,"end":105.495,"sentiment":"neutral","sentiment_score":-0.042038071900606155},{"text":"Can I just I'm actually gonna take my phone off the and put it on speaker, if you don't mind?","start":105.495,"end":113.509995,"sentiment":"neutral","sentiment_score":-0.04453016929328442},{"text":"K.","start":114.53,"end":114.85,"sentiment":"neutral","sentiment_score":-0.007371081970632076}],"sentiment":"neutral","sentiment_score":0.05153740658538371,"num_words":41,"start":81.075005,"end":114.85},{"sentences":[{"text":"Can you still hear me, Monica?","start":114.85,"end":116.149994,"sentiment":"neutral","sentiment_score":-0.014749037567526102},{"text":"Yeah.","start":118.60999,"end":118.92999,"sentiment":"neutral","sentiment_score":-0.0062943268567323685},{"text":"I'm just gonna put your volume up.","start":118.92999,"end":120.689995,"sentiment":"neutral","sentiment_score":-0.0009826778301170894},{"text":"Put the volume up.","start":120.689995,"end":121.829994,"sentiment":"neutral","sentiment_score":0.005204326938837767},{"text":"Okay.","start":122.689995,"end":123.09,"sentiment":"neutral","sentiment_score":0.02972951158881187}],"sentiment":"neutral","sentiment_score":-0.0026905514593971403,"num_words":19,"start":114.85,"end":123.09},{"sentences":[{"text":"Is that better?","start":123.09,"end":123.99,"sentiment":"neutral","sentiment_score":0.03537966993947824},{"text":"Okay.","start":125.649994,"end":126.149994,"sentiment":"neutral","sentiment_score":-0.0026909727603197098},{"text":"Yeah.","start":126.965004,"end":127.285,"sentiment":"neutral","sentiment_score":0.08348634093999863},{"text":"I actually wanted to sort of find out, basically, how my what what my whatever.","start":127.285,"end":137.045,"sentiment":"neutral","sentiment_score":0.1133736069003741},{"text":"How is it going?","start":137.045,"end":137.765,"sentiment":"neutral","sentiment_score":0.14180221781134605}],"sentiment":"neutral","sentiment_score":0.10228113969787955,"num_words":24,"start":123.09,"end":137.765},{"sentences":[{"text":"How's the investment and stuff like that?","start":137.765,"end":139.365,"sentiment":"neutral","sentiment_score":0.038764147886208127},{"text":"Because I'm the kind of person, unfortunately, just haven't got the head and the time at this present moment to sort of really look through and review my, you know, superannuation, all everything that's going going on.","start":139.365,"end":156.855,"sentiment":"neutral","sentiment_score":-0.08041172676304406},{"text":"So I just wanted to find out where is that and how is it going with this current global market that's totally gone belly up.","start":157.97499,"end":166.555,"sentiment":"neutral","sentiment_score":-0.14683548241853714},{"text":"No.","start":175.34,"end":175.66,"sentiment":"neutral","sentiment_score":-0.1990470290184021},{"text":"I don't have any access.","start":175.66,"end":177.02,"sentiment":"neutral","sentiment_score":-0.1729370892047882}],"sentiment":"neutral","sentiment_score":-0.09918005854046594,"num_words":75,"start":137.765,"end":177.02},{"sentences":[{"text":"I don't I'm I've just had the phone.","start":177.02,"end":178.86,"sentiment":"neutral","sentiment_score":-0.16554331220686436},{"text":"I have not got anything at the moment.","start":178.86,"end":180.88,"sentiment":"neutral","sentiment_score":-0.20532396994531155},{"text":"Mhmm.","start":187.78499,"end":188.28499,"sentiment":"neutral","sentiment_score":0.07272976636886597},{"text":"Yeah.","start":189.94499,"end":190.44499,"sentiment":"neutral","sentiment_score":0.17999620735645294},{"text":"Yeah.","start":197.545,"end":198.045,"sentiment":"neutral","sentiment_score":0.13685192167758942}],"sentiment":"neutral","sentiment_score":-0.13565054535865784,"num_words":19,"start":177.02,"end":198.045},{"sentences":[{"text":"Yeah.","start":202.62,"end":203.12,"sentiment":"neutral","sentiment_score":0.029241982847452164},{"text":"Yep.","start":207.34,"end":207.84,"sentiment":"neutral","sentiment_score":0.12790581583976746},{"text":"Yeah.","start":210.86,"end":211.36,"sentiment":"neutral","sentiment_score":0.0442490316927433},{"text":"Oh, okay.","start":212.3,"end":213.04001,"sentiment":"neutral","sentiment_score":0.056390365585684776},{"text":"Yeah.","start":213.225,"end":213.46501,"sentiment":"neutral","sentiment_score":0.05338795855641365}],"sentiment":"neutral","sentiment_score":0.06126092001795769,"num_words":6,"start":202.62,"end":213.46501},{"sentences":[{"text":"Yeah.","start":213.46501,"end":213.625,"sentiment":"neutral","sentiment_score":0.06188853830099106},{"text":"Yeah.","start":213.625,"end":213.705,"sentiment":"neutral","sentiment_score":0.072748102247715},{"text":"Yeah.","start":213.705,"end":213.945,"sentiment":"neutral","sentiment_score":0.07434448599815369},{"text":"So you've actually sort of outlined everything that's been going on exactly.","start":213.945,"end":220.925,"sentiment":"neutral","sentiment_score":0.09861133558054765},{"text":"Okay.","start":222.02501,"end":222.52501,"sentiment":"neutral","sentiment_score":0.1064930185675621}],"sentiment":"neutral","sentiment_score":0.0936756357550621,"num_words":16,"start":213.46501,"end":222.52501},{"sentences":[{"text":"Alright.","start":222.985,"end":223.485,"sentiment":"neutral","sentiment_score":0.12425152957439424},{"text":"Fair enough.","start":243.75,"end":244.57,"sentiment":"neutral","sentiment_score":0.05893832445144653},{"text":"Okay.","start":257.065,"end":257.565,"sentiment":"neutral","sentiment_score":-0.05760255455970764},{"text":"Yeah.","start":264.02,"end":264.52,"sentiment":"neutral","sentiment_score":-0.017452560365200043},{"text":"Mhmm.","start":269.78,"end":270.28,"sentiment":"neutral","sentiment_score":0.005459754727780819}],"sentiment":"neutral","sentiment_score":0.02875546971336007,"num_words":6,"start":222.985,"end":270.28},{"sentences":[{"text":"Oh, okay.","start":272.135,"end":272.535,"sentiment":"neutral","sentiment_score":-0.04003513976931572},{"text":"So it hasn't come through yet.","start":272.535,"end":273.995,"sentiment":"neutral","sentiment_score":-0.15216760337352753},{"text":"Oh, okay.","start":279.815,"end":280.295,"sentiment":"neutral","sentiment_score":-0.05230124667286873},{"text":"Okay.","start":280.295,"end":280.795,"sentiment":"neutral","sentiment_score":-0.026994071900844577},{"text":"Okay.","start":287.88,"end":287.96,"sentiment":"neutral","sentiment_score":0.04630161076784134}],"sentiment":"neutral","sentiment_score":-0.08986423785487811,"num_words":12,"start":272.135,"end":287.96},{"sentences":[{"text":"Alright.","start":287.96,"end":288.44,"sentiment":"neutral","sentiment_score":0.11413323879241943},{"text":"Not a problem.","start":288.44,"end":289.16,"sentiment":"neutral","sentiment_score":0.18256878356138864},{"text":"Not a 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tell me, I mean, why am I paying insurance?","start":337.655,"end":340.635,"sentiment":"neutral","sentiment_score":-0.11416085138916969},{"text":"What's the insurance 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that he's got, I'm having to, you know, look after the house and paint, wash, make for it, and all of that stuff for him.","start":1371.54,"end":1385.3151,"sentiment":"neutral","sentiment_score":-0.09621909745037556}],"sentiment":"neutral","sentiment_score":-0.035033855285933786,"num_words":68,"start":1357.765,"end":1385.3151},{"sentences":[{"text":"So yeah.","start":1385.3151,"end":1386.055,"sentiment":"neutral","sentiment_score":-0.040621303021907806},{"text":"Yeah.","start":1386.755,"end":1387.255,"sentiment":"neutral","sentiment_score":-0.012908568605780602},{"text":"Yeah.","start":1402.17,"end":1402.67,"sentiment":"neutral","sentiment_score":-0.01276647299528122},{"text":"Okay.","start":1404.73,"end":1405.23,"sentiment":"neutral","sentiment_score":0.003878118470311165},{"text":"Can I email that to you?","start":1406.8099,"end":1408.97,"sentiment":"neutral","sentiment_score":0.0035693555449446044}],"sentiment":"neutral","sentiment_score":-0.0074203087186271496,"num_words":11,"start":1385.3151,"end":1408.97},{"sentences":[{"text":"I'll just have to ask my children if they can if they will if they're willing to be that.","start":1408.97,"end":1414.795,"sentiment":"neutral","sentiment_score":0.030614370186077922},{"text":"Yeah.","start":1416.375,"end":1416.875,"sentiment":"neutral","sentiment_score":0.15910035371780396},{"text":"Okay.","start":1416.935,"end":1417.435,"sentiment":"neutral","sentiment_score":0.16051766276359558},{"text":"Okay.","start":1422.935,"end":1423.435,"sentiment":"neutral","sentiment_score":0.060553159564733505},{"text":"Alright.","start":1423.735,"end":1424.235,"sentiment":"neutral","sentiment_score":0.050190411508083344}],"sentiment":"neutral","sentiment_score":0.04400150526476943,"num_words":23,"start":1408.97,"end":1424.235},{"sentences":[{"text":"Your my email address?","start":1431.88,"end":1434.06,"sentiment":"neutral","sentiment_score":0.006099070888012648},{"text":"Oh, yeah.","start":1439.0801,"end":1439.3201,"sentiment":"neutral","sentiment_score":0.023623038083314896},{"text":"Yeah.","start":1439.3201,"end":1439.56,"sentiment":"neutral","sentiment_score":0.027132486924529076},{"text":"I think yeah.","start":1439.56,"end":1440.12,"sentiment":"neutral","sentiment_score":0.021667524551351864},{"text":"I'll call through Oak your financials anyway.","start":1440.12,"end":1443.445,"sentiment":"neutral","sentiment_score":0.01837010694933789}],"sentiment":"neutral","sentiment_score":0.017198127584860605,"num_words":17,"start":1431.88,"end":1443.445},{"sentences":[{"text":"So through that.","start":1443.445,"end":1444.505,"sentiment":"neutral","sentiment_score":0.025558208115398884},{"text":"Okay.","start":1444.885,"end":1445.385,"sentiment":"neutral","sentiment_score":0.08002923429012299},{"text":"Yeah.","start":1445.445,"end":1445.9249,"sentiment":"neutral","sentiment_score":0.1280529946088791},{"text":"And the other important thing that I do need to let you guys know that I'm now working four days a week rather than five days a week.","start":1445.9249,"end":1452.745,"sentiment":"neutral","sentiment_score":0.0818601711653173},{"text":"So full I'm I'm not full time.","start":1453.605,"end":1456.005,"sentiment":"neutral","sentiment_score":0.06270764182720866}],"sentiment":"neutral","sentiment_score":0.0753948784666136,"num_words":40,"start":1443.445,"end":1456.005},{"sentences":[{"text":"I'm part time at the 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done.","start":1507.865,"end":1508.585,"sentiment":"neutral","sentiment_score":-0.12018083781003952},{"text":"Just sitting down to get my head around everything.","start":1508.585,"end":1513.325,"sentiment":"neutral","sentiment_score":-0.07686103259523709},{"text":"So with my income and financials and everything, it's just happening slowly, but it's happening.","start":1513.465,"end":1518.7699,"sentiment":"neutral","sentiment_score":-0.13093079725901285},{"text":"Yeah.","start":1519.23,"end":1519.73,"sentiment":"neutral","sentiment_score":0.011836085468530657}],"sentiment":"neutral","sentiment_score":-0.11185744883758682,"num_words":42,"start":1503.785,"end":1519.73},{"sentences":[{"text":"So there's gonna be pro rata of what I've told you.","start":1519.87,"end":1523.09,"sentiment":"neutral","sentiment_score":-0.01840388605540449},{"text":"It's yeah.","start":1523.71,"end":1525.07,"sentiment":"neutral","sentiment_score":-0.02294913586229086},{"text":"So I'm gonna find that out soon because that is and it I can only say that after the next at at the end of the financial year because I was part time and I've been full time and part time, so I can't you know, so there's there's gonna be a bit of a change in in that.","start":1525.07,"end":1543.415,"sentiment":"neutral","sentiment_score":-0.055737619809174944},{"text":"Yep.","start":1544.96,"end":1545.46,"sentiment":"neutral","sentiment_score":0.008998407050967216},{"text":"No.","start":1564.065,"end":1564.385,"sentiment":"neutral","sentiment_score":-0.07153014838695526}],"sentiment":"neutral","sentiment_score":-0.04864043687042352,"num_words":74,"start":1519.87,"end":1564.385},{"sentences":[{"text":"That just just the regular one.","start":1564.385,"end":1566.065,"sentiment":"neutral","sentiment_score":-0.11260082572698593},{"text":"I don't have any enterprise bargaining.","start":1566.065,"end":1567.845,"sentiment":"neutral","sentiment_score":-0.07775292545557022},{"text":"Yeah.","start":1578.33,"end":1578.83,"sentiment":"neutral","sentiment_score":0.0128210186958313},{"text":"Yeah.","start":1579.05,"end":1579.55,"sentiment":"neutral","sentiment_score":0.07288376241922379},{"text":"No.","start":1583.13,"end":1583.63,"sentiment":"neutral","sentiment_score":-0.06094543635845184}],"sentiment":"neutral","sentiment_score":-0.07449087748924892,"num_words":15,"start":1564.385,"end":1583.63},{"sentences":[{"text":"No.","start":1589.61,"end":1589.925,"sentiment":"neutral","sentiment_score":-0.04978262633085251},{"text":"I haven't had any.","start":1590.005,"end":1591.7051,"sentiment":"neutral","sentiment_score":-0.04253254272043705},{"text":"No.","start":1593.2051,"end":1593.7051,"sentiment":"neutral","sentiment_score":-0.05075882002711296},{"text":"No.","start":1597.285,"end":1597.785,"sentiment":"neutral","sentiment_score":-0.06963939964771271},{"text":"Credit cards, yes, but no no personal loans or anything like that.","start":1598.0851,"end":1602.505,"sentiment":"neutral","sentiment_score":-0.08805866601566474}],"sentiment":"neutral","sentiment_score":-0.0735271057408107,"num_words":19,"start":1589.61,"end":1602.505},{"sentences":[{"text":"About 3,000.","start":1605.6901,"end":1606.75,"sentiment":"neutral","sentiment_score":-0.00815291702747345},{"text":"Yep.","start":1618.485,"end":1618.985,"sentiment":"neutral","sentiment_score":0.03599777817726135},{"text":"I'm just an 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yet.","start":1651.485,"end":1652.3049,"sentiment":"neutral","sentiment_score":-0.07264544069766998},{"text":"No.","start":1653.085,"end":1653.585,"sentiment":"neutral","sentiment_score":-0.2815135717391968},{"text":"Yeah.","start":1654.845,"end":1655.325,"sentiment":"neutral","sentiment_score":0.013618448749184608},{"text":"It's still yeah.","start":1655.325,"end":1657.825,"sentiment":"neutral","sentiment_score":0.04850180198748907},{"text":"Alright.","start":1681.535,"end":1681.615,"sentiment":"neutral","sentiment_score":0.10367339104413986}],"sentiment":"neutral","sentiment_score":-0.020500900922343135,"num_words":8,"start":1651.485,"end":1681.615},{"sentences":[{"text":"No worries.","start":1681.615,"end":1682.255,"sentiment":"neutral","sentiment_score":0.17224305868148804},{"text":"Thank you.","start":1682.255,"end":1682.9751,"sentiment":"positive","sentiment_score":0.3887336850166321},{"text":"Thank you.","start":1682.9751,"end":1683.7151,"sentiment":"positive","sentiment_score":0.44704169034957886},{"text":"Yeah.","start":1694.3,"end":1694.54,"sentiment":"neutral","sentiment_score":0.07291572540998459},{"text":"Yeah.","start":1694.54,"end":1695.04,"sentiment":"neutral","sentiment_score":0.058856263756752014}],"sentiment":"neutral","sentiment_score":0.2684761071577668,"num_words":8,"start":1681.615,"end":1695.04},{"sentences":[{"text":"Yep.","start":1703.365,"end":1703.525,"sentiment":"neutral","sentiment_score":0.11262497305870056},{"text":"Yes.","start":1703.525,"end":1703.765,"sentiment":"neutral","sentiment_score":0.1384512186050415},{"text":"That'll that'll continue.","start":1703.765,"end":1704.9851,"sentiment":"neutral","sentiment_score":0.1467368726929029},{"text":"Yeah.","start":1744.46,"end":1744.7799,"sentiment":"neutral","sentiment_score":0.01976904645562172},{"text":"Well, at the moment, my one of the biggest goal is to be able to find an apartment so that I'm no longer renting.","start":1744.7799,"end":1751.2799,"sentiment":"neutral","sentiment_score":0.06091862070995072}],"sentiment":"neutral","sentiment_score":0.07243675844122967,"num_words":30,"start":1703.365,"end":1751.2799},{"sentences":[{"text":"I I I I my that's my first thing.","start":1752.38,"end":1755.2,"sentiment":"neutral","sentiment_score":0.08224960292379062},{"text":"With the yoga business and my family growing, I think that is something that I've sort of put to a little bit on this on the shelf for the moment.","start":1755.26,"end":1766.265,"sentiment":"neutral","sentiment_score":-0.09759628971417746},{"text":"But the biggest thing is for me to find a an apartment for myself and my son so that we move out of 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that.","start":1783.7899,"end":1796.1649,"sentiment":"neutral","sentiment_score":-0.08068015335782154},{"text":"Yeah.","start":1797.6649,"end":1798.08,"sentiment":"neutral","sentiment_score":0.20420385897159576}],"sentiment":"neutral","sentiment_score":-0.07910317510721229,"num_words":42,"start":1782.6699,"end":1798.08},{"sentences":[{"text":"Yep.","start":1807.6799,"end":1808.1799,"sentiment":"neutral","sentiment_score":0.2444208860397339},{"text":"Sure.","start":1811.84,"end":1812.34,"sentiment":"neutral","sentiment_score":0.13514408469200134},{"text":"Sure.","start":1813.675,"end":1813.755,"sentiment":"neutral","sentiment_score":0.08243153244256973},{"text":"Sure.","start":1813.755,"end":1813.915,"sentiment":"neutral","sentiment_score":0.1047847494482994},{"text":"Sure.","start":1813.915,"end":1814.415,"sentiment":"neutral","sentiment_score":0.13061785697937012}],"sentiment":"neutral","sentiment_score":0.1394798219203949,"num_words":5,"start":1807.6799,"end":1814.415},{"sentences":[{"text":"Okay.","start":1815.355,"end":1815.855,"sentiment":"neutral","sentiment_score":0.2168959677219391},{"text":"Alright.","start":1821.115,"end":1821.515,"sentiment":"neutral","sentiment_score":0.3278559446334839},{"text":"Appreciate 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then I can have a further conversation with you.","start":1841.02,"end":1850.295,"sentiment":"neutral","sentiment_score":0.024969885998871177},{"text":"Yeah.","start":1850.675,"end":1851.175,"sentiment":"neutral","sentiment_score":0.1329391896724701}],"sentiment":"neutral","sentiment_score":0.018610013964570175,"num_words":59,"start":1831.98,"end":1851.175},{"sentences":[{"text":"Okay?","start":1852.035,"end":1852.535,"sentiment":"neutral","sentiment_score":0.19324660301208496},{"text":"Thank you.","start":1860.1901,"end":1860.93,"sentiment":"positive","sentiment_score":0.35005682706832886},{"text":"Yep.","start":1868.3501,"end":1868.775,"sentiment":"neutral","sentiment_score":0.14185351133346558},{"text":"Awesome.","start":1871.8151,"end":1872.295,"sentiment":"positive","sentiment_score":0.7764326333999634},{"text":"Thanks.","start":1872.295,"end":1872.6951,"sentiment":"positive","sentiment_score":0.7373193502426147}],"sentiment":"positive","sentiment_score":0.42482762535413104,"num_words":6,"start":1852.035,"end":1872.6951},{"sentences":[{"text":"Sounds that sounds great.","start":1872.6951,"end":1873.975,"sentiment":"positive","sentiment_score":0.8007372915744781},{"text":"Thank you so much.","start":1873.975,"end":1875.035,"sentiment":"positive","sentiment_score":0.8111049830913544},{"text":"Really appreciate your call.","start":1875.3351,"end":1876.9551,"sentiment":"positive","sentiment_score":0.355359211564064},{"text":"Thank you very much.","start":1883.5089,"end":1884.6489,"sentiment":"positive","sentiment_score":0.6273171380162239},{"text":"Alright.","start":1884.949,"end":1885.429,"sentiment":"neutral","sentiment_score":0.2703925371170044}],"sentiment":"positive","sentiment_score":0.6263804137706757,"num_words":17,"start":1872.6951,"end":1885.429},{"sentences":[{"text":"Thank you so much.","start":1885.429,"end":1886.4089,"sentiment":"positive","sentiment_score":0.711816743016243},{"text":"Thanks.","start":1886.789,"end":1887.189,"sentiment":"positive","sentiment_score":0.48214659094810486},{"text":"Talk to you later.","start":1887.189,"end":1888.1489,"sentiment":"neutral","sentiment_score":0.16097532585263252},{"text":"Bye.","start":1888.1489,"end":1888.6489,"sentiment":"neutral","sentiment_score":0.11882120370864868}],"sentiment":"positive","sentiment_score":0.40921360701322557,"num_words":10,"start":1885.429,"end":1888.6489}]}}]}],"paragraphs":{"transcript":"\nChannel 1: You record your name and reason for calling. I'll see if this person is available.\n\nChannel 0: Veronica, OQ Financial.\n\nChannel 1: Thanks. Please stay on the line. Hello?\n\nChannel 0: Good afternoon. This is Veronica from Workview Financial. How are you?\n\nChannel 1: I'm good. Thank you, Monica. Thanks for calling back on time.\n\nChannel 0: No. That's all good. I had you booked in for your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yeah.\n\nThis is a good time\n\nChannel 0: Yes.\n\nChannel 1: for me. Thank you.\n\nChannel 0: Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could you just\n\nChannel 1: Mhmm.\n\nChannel 0: confirm your full name, date of birth, and address for me, plea?\n\nChannel 1: Mhmm. So name is Sharon Shams. Date of birth is 09/14/1967. What was the\n\nChannel 0: Yep.\n\nChannel 1: third one?\n\nChannel 0: Just your address as well, please.\n\nChannel 1: 11 Aruma Avenue In Kellyville 2155.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your day been? Been busy?\n\nChannel 1: I'm pretty good. Yeah. It's my day with my grandson, so it's always the best\n\nChannel 0: Oh,\n\nChannel 1: day.\n\nChannel 0: lovely. Now I will try not to keep you for too long. But before I do jump into things, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any specific questions or whether it's just a bit of a catch up and see how everything is going?\n\nChannel 1: Yes. Probably just gonna be a catch up. Can I just I'm actually gonna take my phone off the and put it on speaker, if you don't\n\nChannel 0: Sure. Yeah. Of course.\n\nChannel 1: mind? K. Can you still hear me, Monica?\n\nChannel 0: Yes. Can you hear me?\n\nChannel 1: Yeah. I'm just gonna put your volume up. Put the volume up. Okay. Is that better?\n\nChannel 0: Yeah. Yeah. I can hear you okay. Can you\n\nChannel 1: Okay.\n\nChannel 0: hear me?\n\nChannel 1: Yeah. I actually wanted to sort of find out, basically, how my what what my whatever. How is it going? How's the investment and stuff like that? Because I'm the kind of person, unfortunately, just haven't got the head and the time at this present moment to sort of really look through and\n\nChannel 0: Mhmm.\n\nChannel 1: review\n\nChannel 0: Yep.\n\nChannel 1: my, you know, superannuation, all everything that's going going\n\nChannel 0: Yes.\n\nChannel 1: on.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: And that\n\nChannel 1: I\n\nChannel 0: is\n\nChannel 1: just wanted to find out where is that and how is it going\n\nChannel 0: yep.\n\nChannel 1: with this current global market that's totally gone belly up.\n\nChannel 0: That's a bit up and down. Yeah. No. That is fair. So we can start there.\n\nNow do you have access to your emails at the moment or not really right now?\n\nChannel 1: No. I don't have any access.\n\nChannel 0: No.\n\nChannel 1: I don't I'm I've just had the phone. I have not got anything at the moment.\n\nChannel 0: No. That's okay. Now what I have done is I have sent you an email with some\n\nChannel 1: Mhmm.\n\nChannel 0: documents to go through.\n\nChannel 1: Yeah.\n\nChannel 0: Now I can definitely go through them with you kind of briefly over the phone, which does touch on your super and your investments,\n\nChannel 1: Yeah.\n\nChannel 0: a couple of other things as well. And then later when you have a moment or when you have\n\nChannel 1: Yeah.\n\nChannel 0: access to a computer or, obviously, when you're not speaking to me on the phone,\n\nChannel 1: Yep.\n\nChannel 0: have a look through them. And if you then have any questions, you can just\n\nChannel 1: Yeah.\n\nChannel 0: me now. Would that be okay?\n\nChannel 1: Oh, okay. Yeah. Yeah. Yeah. Yeah.\n\nSo\n\nChannel 0: Yeah.\n\nChannel 1: you've actually sort of outlined everything that's been going on exactly.\n\nChannel 0: Yes. Exactly.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Alright.\n\nChannel 0: let me just make sure that's all was sent okay. Let's see here. Let me just triple check because you never know with technology. Sometimes it's\n\nChannel 1: Fair\n\nChannel 0: really\n\nChannel 1: enough.\n\nChannel 0: good, and other times, not so much. So let me just have a bit of a look here for you. Now it does look like everything didn't come through. So\n\nChannel 1: Okay.\n\nChannel 0: what what I might do, just disregard that one. Now everyone else have left for the day, but\n\nChannel 1: Yeah.\n\nChannel 0: I'll go through the documents with you. And then tomorrow, when IT and everything is back in the office, I will get\n\nChannel 1: Mhmm.\n\nChannel 0: the documents emailed to you.\n\nChannel 1: Oh, okay.\n\nChannel 0: So\n\nChannel 1: So it\n\nChannel 0: keep\n\nChannel 1: hasn't\n\nChannel 0: a\n\nChannel 1: come\n\nChannel 0: look\n\nChannel 1: through\n\nChannel 0: at\n\nChannel 1: yet.\n\nChannel 0: no. Because it looks like what was sent was just one of that. It wasn't actually all the documents.\n\nChannel 1: Oh, okay. Okay.\n\nChannel 0: Yes. If you do see something come through tonight, just disregard it. You will get the new updated one tomorrow, if that's okay.\n\nChannel 1: Okay. Alright. Not a problem. Not\n\nChannel 0: Yeah.\n\nChannel 1: a problem.\n\nChannel 0: Perfect.\n\nChannel 1: Okay.\n\nChannel 0: Now when you do have a look through your document, so tomorrow when it does come through, it will give you a a breakdown of your situation. So there are a couple of documents there for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Now one of them is a breakdown of your superannuation.\n\nChannel 1: Okay.\n\nChannel 0: So when you do have a a look at it, you will see that you have your superannuation with Netwealth.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: Yeah.\n\nChannel 0: you have, at the moment, a $130,419 in there. Okay?\n\nChannel 1: Okay.\n\nChannel 0: And you don't have any insurances. And you're still comfortable and happy without insurances?\n\nChannel 1: Okay. So tell me, I mean, why am I paying insurance? What's the\n\nChannel 0: What?\n\nChannel 1: insurance for?\n\nChannel 0: Yeah. So there are a lot of different type of covers for insurances. So you can have life insurance. Life insurance will be for the purpose of of if something were to happen to you, that would then be left to your loved ones or whoever you wanna\n\nChannel 1: Okay.\n\nChannel 0: give it to.\n\nChannel 1: Alright.\n\nChannel 0: You then\n\nChannel 1: Okay.\n\nChannel 0: you then have total permanent disability insurance, and now that is for you. So that is if something were to happen to you and you can never go back to work again, it is then an insurance policy to cover you for the loss of income because you cannot work.\n\nChannel 1: Right.\n\nChannel 0: You also have sorry.\n\nChannel 1: Awesome.\n\nChannel 0: Did you have a question?\n\nChannel 1: No. No. No. Carry on.\n\nChannel 0: Nope. You also have income protection. Now income protection is where you will temporarily replace your income if you are unable to work. So TPD, total permanent disability, is where you can never go back to work again, and you need to have two doctors to sign off on the fact that you can never return to work. That\n\nChannel 1: Alright.\n\nChannel 0: one is obviously a lot more severe, whereas income protection is just temporarily. And that can cover, yeah, up to 70% of your income on a monthly basis to support financially if something were to happen.\n\nChannel 1: Okay. Okay. Okay.\n\nChannel 0: And\n\nChannel 1: Alright.\n\nChannel 0: then the last\n\nChannel 1: Yeah. No. At\n\nChannel 0: yeah.\n\nChannel 1: the moment, no. I I don't wanna take out those type of insurances right now.\n\nChannel 0: No. That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: I don't feel I don't I I just I'm not comfortable with that.\n\nChannel 0: No. And that is\n\nChannel 1: Yeah.\n\nChannel 0: perfectly fine. It is something I just need to check just to make sure you you you don't understand, and that is no problem. It's completely up to you. And if you don't feel like you need to or pay for it, that is completely fine.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: No. That's okay. Now when it comes to your superannuation investments as well, So what I will do is run through just a bit of an updated risk profile questionnaire with you first\n\nChannel 1: Yep.\n\nChannel 0: just to see if your risk tolerance or anything has changed when it comes to your investment, if we need to make any changes to your investment.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So it is just multiple choice to make it nice and easy, and there is no right or wrong answer. It's just whatever\n\nChannel 1: Sure.\n\nChannel 0: you feel you are the most comfortable\n\nChannel 1: Okay.\n\nChannel 0: with. Does that make sense?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. Now have you ever bought direct shares on the stock market yourself?\n\nChannel 1: No.\n\nChannel 0: Nope. Perfect. And when it comes to accessing superannuation, do you have any idea at the moment of when you are planning on retiring or drawing an income from superannuation?\n\nChannel 1: Not for another ten years for sure.\n\nChannel 0: Not for another ten years.\n\nChannel 1: Yeah.\n\nChannel 0: No problem. And when you do retire, do you have an idea of, like, a a weekly amount that you would like to draw from super to support you and your your finances and everything?\n\nChannel 1: I can't tell you that right now.\n\nChannel 0: No. That's okay. I do have here from last time we spoke to you, you were aiming for about a thousand dollars a week to help\n\nChannel 1: Okay.\n\nChannel 0: support,\n\nChannel 1: Yeah. It it yeah. Yeah. Yeah.\n\nChannel 0: that\n\nChannel 1: That's\n\nChannel 0: would be\n\nChannel 1: what probably\n\nChannel 0: about the same? Yes. Okay. Great. Perfect.\n\nOtherwise, when it comes to how much risk you are willing to take\n\nChannel 1: yeah.\n\nChannel 0: for\n\nChannel 1: Yep.\n\nChannel 0: your superannuation. Now would you say where you are at currently that you would be willing to accept very high risk for superannuation to grow it, high, moderate, or a small amount of risk?\n\nChannel 1: High to moderate.\n\nChannel 0: High\n\nChannel 1: Not\n\nChannel 0: to moderate.\n\nChannel 1: very high.\n\nChannel 0: Okay. Perfect. And when it comes to volatility, so fluctuations in the market,\n\nChannel 1: Mhmm.\n\nChannel 0: now how would you feel if in six months after placing an investment, you found out\n\nChannel 1: Cool.\n\nChannel 0: that your portfolio has decreased in value by 20% due to general trends in the market. So let's say not one particular investment,\n\nChannel 1: Yeah.\n\nChannel 0: just the market as a whole. Would you, if you had the option to do so, think that, well, now is potentially a good time to invest while the prices are down so you'd put a little bit more in? Would you just kind of hold and kind of wait and assess what happened, Or would you want to sell and then move through a little bit more secure assets, so that means you are then selling when the prices have already dropped? Does that make sense?\n\nChannel 1: Yeah. And I think I I I am the person who probably just wanna hold on to make sure that\n\nChannel 0: Yep.\n\nChannel 1: it'll come up. I\n\nChannel 0: Okay.\n\nChannel 1: because I if I sell it, then it's gonna be at the lower price, and I'm not gonna get\n\nChannel 0: Correct.\n\nChannel 1: anything at all. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Okay. Perfect. No. And the next one here\n\nChannel 1: Stop.\n\nChannel 0: is in regards to fluctuations.\n\nChannel 1: Yeah.\n\nChannel 0: So whether that's your superannuation or any other assets that's fluctuated.\n\nChannel 1: Yeah.\n\nChannel 0: Now if if it ever dropped in value\n\nChannel 1: Yeah.\n\nChannel 0: temporarily, would you say that you would feel optimistic about potential investment opportunities, a bit more kind of neutral, not making further investments, or do you think that would make you quite concerned or anxious?\n\nChannel 1: Right now okay. It will get me concerned, but I'm not going to act upon I'm not going to react to it. I will just respond to it in a in a manner where I'm not sort of acting out in in haste to\n\nChannel 0: Yep. Yep.\n\nChannel 1: detrimental my my investment. So I guess I I guess I will again wait and see what's going\n\nChannel 0: Yep.\n\nChannel 1: on. Yeah.\n\nChannel 0: Yep. Perfect. And that's a very sensible way. Now the last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest in the share market?\n\nChannel 1: No. Not to\n\nChannel 0: No.\n\nChannel 1: invest in share markets. No.\n\nChannel 0: No. Would you ever consider taking out a loan to buy an investment property?\n\nChannel 1: I would probably do that.\n\nChannel 0: Yep. Okay. Perfect. Now that tells me here that you have come out as a growth investor, which at the moment is the portfolio that we do have you invested in, which is good. Now do you remember what it means to be a growth investor at all?\n\nChannel 1: We spoke to each other well, I spoke with your company about a year ago.\n\nChannel 0: Yep.\n\nChannel 1: A lot has happened in my life. There's no way I'm gonna remember anything\n\nChannel 0: That\n\nChannel 1: much.\n\nChannel 0: is perfectly fine. To be fair, I would say nine out of 10 people say the same. They're like, oh, yep. No. And that is fine.\n\nNow, basically, a growth investor typically is someone who is looking at getting as much growth as you possibly can out of your superannuation while you still\n\nChannel 1: Yeah.\n\nChannel 0: have plenty of time until you wanna access that money.\n\nChannel 1: Okay.\n\nChannel 0: It's also someone who is willing and understand that there will be some short term fluctuations in the market in order to tryna achieve that growth.\n\nChannel 1: Okay.\n\nChannel 0: Because,\n\nChannel 1: Okay.\n\nChannel 0: typically speaking, you have 80% of the money invested in what we would call your growth assets.\n\nChannel 1: Okay.\n\nChannel 0: Now these are things like Australian shares, international shares, but also property and commodities, and that is ultimately what's going to grow that super the most for you. And then about 20% in defensive. Now this would be things like cash, fixed interest,\n\nChannel 1: Okay.\n\nChannel 0: and gold as well.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: we're trying to limit fluctuations a little bit, but the main focus is to grow your super,\n\nChannel 1: Okay.\n\nChannel 0: especially if you do have a little bit longer until you wanna access it.\n\nChannel 1: Sure. Sure. Sure. Sure. Okay.\n\nChannel 0: Now when it also comes to a time frame, sorry, it's also important through factoring in time frame so that you have enough time in the market for when you wanna access your super for those short term fluctuations to come back around. So it's not that you wanna access your money tomorrow, and there's a bit of fluctuations at that time. So\n\nChannel 1: Yeah.\n\nChannel 0: in a growth portfolio, typically, we would like to see at least six years until retirement. So if you are planning on kind of working for the next ten years from a time frame point of\n\nChannel 1: Sir,\n\nChannel 0: view.\n\nChannel 1: just can I just stop\n\nChannel 0: Yeah.\n\nChannel 1: you for one second?\n\nChannel 0: Of course.\n\nChannel 1: Excuse me. Thank you. My apologies for the cough.\n\nChannel 0: No. No.\n\nChannel 1: Yep.\n\nChannel 0: Are you okay? Do you need some\n\nChannel 1: Yeah.\n\nChannel 0: water\n\nChannel 1: I\n\nChannel 0: or anything?\n\nChannel 1: I I have I have hay fever, and I continuously have cough every now and then. Yep.\n\nChannel 0: Oh, that's really annoying for you.\n\nChannel 1: Yeah.\n\nChannel 0: Well,\n\nChannel 1: Okay.\n\nChannel 0: if you need to again, just interrupt me. Okay?\n\nChannel 1: Okay. Thank you. Thank you.\n\nChannel 0: Yeah. That's okay. So, yeah, like I was saying, from a time frame, a growth portfolio is a good position because you still have more than six years until retirement as\n\nChannel 1: Yeah.\n\nChannel 0: long as you are still comfortable seeing, you know, a bit of those short term fluctuations, as long as long term it continues to grow for\n\nChannel 1: Yep.\n\nChannel 0: you.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Alright.\n\nChannel 0: Now when it comes to your investments as well, so in the email tomorrow,\n\nChannel 1: Mhmm.\n\nChannel 0: it will give you a bit of a rundown of all your investments. So it will\n\nChannel 1: Okay.\n\nChannel 0: show you over the last twelve months. Now it might look a little bit messy, but it breaks down all your individual investments.\n\nChannel 1: Okay.\n\nChannel 0: So it shows you all your individual investment and how they have performed.\n\nChannel 1: Okay.\n\nChannel 0: Now do have a look at it. You will see that one of your previous investment was down. So that has a negative in front of it. All the other investments were positive.\n\nChannel 1: Okay.\n\nChannel 0: Now we sent you an email in I think it was the March 13 in regards to making an investment switch for you to be proactive with, obviously, the market changes. Did you get that email by any chance? It wasn't anything\n\nChannel 1: Mhmm.\n\nChannel 0: you fine.\n\nChannel 1: If if I did get it, look, I probably would not have responded to it simply because I\n\nChannel 0: No.\n\nChannel 1: was overseas at that time on a holiday.\n\nChannel 0: Yeah.\n\nChannel 1: I was not in a time frame of doing anything at\n\nChannel 0: No.\n\nChannel 1: that point of time, and I also didn't have proper access to Internet as well.\n\nChannel 0: Okay. And that is perfectly fine. It wasn't anything you had to sign. It was just for your reference. And, basically, what it did is that the investment committee makes, obviously, research on all the investments all the time.\n\nThings\n\nChannel 1: Yeah.\n\nChannel 0: fluctuate. Sometimes things go down. Sometimes things obviously go up.\n\nChannel 1: Mhmm.\n\nChannel 0: But at the same time, if we do a lot of research on an investment and we foresee that it might not be the best option moving forward, Or if it is underperforming a little bit, we also wanna be proactive with making a change and making\n\nChannel 1: Yep.\n\nChannel 0: sure that we do have you in the best options possible.\n\nChannel 1: Okay.\n\nChannel 0: So,\n\nChannel 1: Okay.\n\nChannel 0: yeah, so what that email was for just for your reference, it was to let you know that the one investment that was down, which was your Benelon Australian equity,\n\nChannel 1: Yeah.\n\nChannel 0: have been switched out for another option, which is called the BetaShares Australia two\n\nChannel 1: Okay.\n\nChannel 0: 100. Just a quick overview for you. It is just replacing one Australian investment with another one\n\nChannel 1: Okay.\n\nChannel 0: because we do wanna make sure we keep the the portfolio as a whole very diversified for you. And if we take one market out, we wanna replace it with something similar. But\n\nChannel 1: Okay. Mhmm.\n\nChannel 0: what the investment committee did as well is researching options that was performing a little bit better,\n\nChannel 1: Yep.\n\nChannel 0: but it was also a little bit cheaper because the style of investment is a little bit different to the Bennelong. Whereas the Bennelong investment, they are trying to kind of actively buy and sell different investments in\n\nChannel 1: Okay.\n\nChannel 0: order to try to outperform the market. Now sometimes that works out really well, and they had been doing really well, which is why it was added to your portfolio to start with.\n\nChannel 1: Alright.\n\nChannel 0: But, yeah, like I said, more recently, they've been a little bit slower or underperforming. So the investment committee changed that for you through the BetaShares Australia two hundred, and that one essentially focuses on investing in the 200 largest companies listed in\n\nChannel 1: Okay.\n\nChannel 0: Australia.\n\nChannel 1: Okay.\n\nChannel 0: So very\n\nChannel 1: Okay.\n\nChannel 0: diversified, all the banks. It has\n\nChannel 1: Mhmm.\n\nChannel 0: Woolworths. It has BHP and stuff for you.\n\nChannel 1: Okay.\n\nChannel 0: Does that\n\nChannel 1: Okay.\n\nChannel 0: make sense?\n\nChannel 1: Yeah. It it\n\nChannel 0: Yeah.\n\nChannel 1: does make a little bit of sense. Again, like I said,\n\nChannel 0: Yeah.\n\nChannel 1: I'm not very financial\n\nChannel 0: That's\n\nChannel 1: savvy.\n\nChannel 0: okay.\n\nChannel 1: So it somewhat makes sense, and\n\nChannel 0: Yep.\n\nChannel 1: I I'm getting it.\n\nChannel 0: Yep.\n\nChannel 1: But, again, like I said, I will not be able to 100% understand exactly, but till I actually have had a read through it.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And that is perfectly fine, and that's ultimately what we're here for at the end of the day.\n\nChannel 1: Yeah.\n\nChannel 0: But, basically, for you, when you do have a look at the report, you will see that one investment, like I said, was down. It has been switched out for you already. So\n\nChannel 1: Yep.\n\nChannel 0: moving forward, it should be a little bit smoother for you and see things moving in the right direction, especially when we are having a bit of fluctuations in the market.\n\nChannel 1: Okay. Okay.\n\nChannel 0: So that's great.\n\nChannel 1: Okay.\n\nChannel 0: Now, otherwise, in the email tomorrow when it comes through is that you will also have two compliance forms. Now you would have seen this one before. It is just an updated financial services guide. It is one of those documents that gives you all the important information in regards to us here at Oakview for you. None\n\nChannel 1: Mhmm.\n\nChannel 0: of the important information has changed. But as you have a read through it, you will see that we've had a bit of an extension to the team, which is great, and also a bit of an updated marketing. So when you do have a look through the documents tomorrow or whenever you have a\n\nChannel 1: Okay.\n\nChannel 0: moment,\n\nChannel 1: Yep.\n\nChannel 0: if as you scroll through, you will also see a photo of myself if you do\n\nChannel 1: Okay.\n\nChannel 0: wanna put a face to the voice.\n\nChannel 1: Okay. Thank you so much\n\nChannel 0: Yeah.\n\nChannel 1: for that,\n\nChannel 0: Mhmm.\n\nChannel 1: Monica.\n\nChannel 0: No.\n\nChannel 1: Okay.\n\nChannel 0: That's okay. Now there are two more\n\nChannel 1: Yep. Yeah.\n\nChannel 0: client. Now there is no changes whatsoever in regards to the fee structure that stays\n\nChannel 1: Okay.\n\nChannel 0: exactly the same at 1.65 from super,\n\nChannel 1: Okay. Okay.\n\nChannel 0: and it is not a lock in contract. So if at any point in time you are not happy, it is\n\nChannel 1: Yep.\n\nChannel 0: not a lock in contract, no\n\nChannel 1: Yep.\n\nChannel 0: exit fees or anything like that, but\n\nChannel 1: Okay.\n\nChannel 0: this just makes sure that we can keep service your account and everything\n\nChannel 1: Okay.\n\nChannel 0: like that for you in the meantime.\n\nChannel 1: Okay. Thank you. Okay.\n\nChannel 0: No. That's okay. Now for next annual review as well\n\nChannel 1: Yeah.\n\nChannel 0: or when you do and when you do later turn 60, there are a lot of really different strategies we can have a look and do for you that kind\n\nChannel 1: Okay.\n\nChannel 0: of optimizes tax by drawing some tax free money from super while putting some in. So\n\nChannel 1: Okay.\n\nChannel 0: when you do get to 60, there are really, yeah, a lot of different strategies we can do to kind of optimize your position a little bit further, which is great,\n\nChannel 1: Yeah.\n\nChannel 0: the way things are working.\n\nChannel 1: Yeah.\n\nChannel 0: But that\n\nChannel 1: Yep.\n\nChannel 0: will be, like, a a next year a next year thing.\n\nChannel 1: Next year issue.\n\nChannel 0: But we can,\n\nChannel 1: Yeah.\n\nChannel 0: yeah,\n\nChannel 1: Okay.\n\nChannel 0: so we can then review that for you, which which\n\nChannel 1: Okay.\n\nChannel 0: is great. And now the other thing the other form, sorry, that we will ask you to sign if you're happy to do so, it is just a compliance form, and it is just a tax file number form. And that is just\n\nChannel 1: Oh,\n\nChannel 0: to\n\nChannel 1: okay.\n\nChannel 0: say that we are keeping your tax file number secure and safe on file.\n\nChannel 1: Okay.\n\nChannel 0: Does that all make\n\nChannel 1: Okay.\n\nChannel 0: sense?\n\nChannel 1: Yep. That's all good.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now\n\nChannel 1: Alright.\n\nChannel 0: those are all the documents that you will receive tomorrow. So keep\n\nChannel 1: Okay.\n\nChannel 0: a lookout for your inbox. Any questions on the documents or anything like that, just let me know.\n\nChannel 1: Alright.\n\nChannel 0: The other thing I do need to run quickly through with you before I let you go and enjoy the rest of your afternoon or evening, I should say, It's just a bit of an update. It's fine just to see if there's anything major that has changed in your life, if we need to make any changes to your advice at all. So I'll tryna make it quick. Yeah?\n\nChannel 1: What\n\nChannel 0: I'll\n\nChannel 1: kind\n\nChannel 0: tryna\n\nChannel 1: of changes\n\nChannel 0: make it.\n\nChannel 1: does\n\nChannel 0: Yeah. So if I it's a personal information. I have you\n\nChannel 1: that\n\nChannel 0: down here\n\nChannel 1: Okay.\n\nChannel 0: as single with no financial dependent. Your son is older. Is that correct?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: But, technically,\n\nChannel 0: Perfect.\n\nChannel 1: he's still living with me, so it's well, food and everything\n\nChannel 0: Okay.\n\nChannel 1: is still\n\nChannel 0: He's still so he's technically he is financial dependent. That's okay because if\n\nChannel 1: yeah.\n\nChannel 0: he's living\n\nChannel 1: Yeah.\n\nChannel 0: at home\n\nChannel 1: Because\n\nChannel 0: and\n\nChannel 1: he's\n\nChannel 0: stuff.\n\nChannel 1: living at home. I mean, like, he's working and everything, but he's\n\nChannel 0: Yep.\n\nChannel 1: also like, I'm I'm sort of because of a slight disability that he's got, I'm having to, you know, look after\n\nChannel 0: Like,\n\nChannel 1: the house\n\nChannel 0: support.\n\nChannel 1: and paint, wash,\n\nChannel 0: Yeah.\n\nChannel 1: make for it, and all of that stuff for him. So yeah.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Yeah.\n\nChannel 0: And next up, Ken, I don't actually have someone nominated. Now this can be anybody. So it is just someone if for some reason we cannot get in touch with you at all, it\n\nChannel 1: Yeah.\n\nChannel 0: is someone that we could contact and just\n\nChannel 1: Okay.\n\nChannel 0: make sure you're okay, and that can be\n\nChannel 1: Can\n\nChannel 0: anyone.\n\nChannel 1: I\n\nChannel 0: Do you have\n\nChannel 1: email\n\nChannel 0: do you\n\nChannel 1: that\n\nChannel 0: have any\n\nChannel 1: to you? I'll just have to ask my children\n\nChannel 0: of\n\nChannel 1: if they can if they will if they're willing to be that.\n\nChannel 0: course. Of course. Of course, you can.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And there is no obligations for them to do anything. It is just a matter of someone that we can call as a\n\nChannel 1: Okay.\n\nChannel 0: next of kin.\n\nChannel 1: Alright.\n\nChannel 0: Now email wise, do you you have you you have our email address okay?\n\nChannel 1: Your my email address?\n\nChannel 0: R one. So when you do when you have a chance to have spoken to your your\n\nChannel 1: Oh, yeah.\n\nChannel 0: kids,\n\nChannel 1: Yeah. I think\n\nChannel 0: if\n\nChannel 1: yeah.\n\nChannel 0: they are\n\nChannel 1: I'll call through\n\nChannel 0: yes.\n\nChannel 1: Oak your financials anyway. So through\n\nChannel 0: Yes.\n\nChannel 1: that.\n\nChannel 0: Yes.\n\nChannel 1: Okay.\n\nChannel 0: Exactly.\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Perfect.\n\nChannel 1: the other\n\nChannel 0: And then\n\nChannel 1: important thing that I do need to let you guys know that I'm now working\n\nChannel 0: mhmm. Yes.\n\nChannel 1: four days a week rather than five days a week.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Perfect.\n\nChannel 1: full I'm I'm not full time. I'm part time at the moment.\n\nChannel 0: Yep. I'm still working as a teacher, though?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. And what kind of teacher are you?\n\nChannel 1: High school English teacher.\n\nChannel 0: Yeah. And how do you find that?\n\nChannel 1: I love it.\n\nChannel 0: Oh, that's good. What you might notice, obviously, being an English teacher that I do have a bit of an accent. So if you do pick up on it, I am Swedish originally. So if you do hear a little bit, that is why.\n\nChannel 1: Oh, don't worry about that. Okay.\n\nChannel 0: Now, otherwise, income wise, that may have changed obviously for you. Sorry. We had here down a 120. Do you know where that's changed to now?\n\nChannel 1: Yes. I have no clue at the moment. I can't tell you.\n\nChannel 0: That's\n\nChannel 1: Again,\n\nChannel 0: okay.\n\nChannel 1: like I said, I've just come I've come from holidays, gone into part time. Haven't done. Just sitting down\n\nChannel 0: Yep.\n\nChannel 1: to\n\nChannel 0: That's\n\nChannel 1: get\n\nChannel 0: our time.\n\nChannel 1: my head around everything. So with my\n\nChannel 0: No.\n\nChannel 1: income and financials and everything, it's just happening\n\nChannel 0: Just\n\nChannel 1: slowly,\n\nChannel 0: a big\n\nChannel 1: but\n\nChannel 0: payoff.\n\nChannel 1: it's happening.\n\nChannel 0: That's\n\nChannel 1: Yeah.\n\nChannel 0: okay.\n\nChannel 1: So\n\nChannel 0: I'll just put\n\nChannel 1: there's\n\nChannel 0: it\n\nChannel 1: gonna\n\nChannel 0: used to\n\nChannel 1: be\n\nChannel 0: be\n\nChannel 1: pro\n\nChannel 0: one\n\nChannel 1: rata\n\nChannel 0: 20.\n\nChannel 1: of what I've told you.\n\nChannel 0: Yes.\n\nChannel 1: It's yeah. So I'm gonna find that out soon because that is and it I can only say that after the next at at the end of the financial year\n\nChannel 0: Yes.\n\nChannel 1: because\n\nChannel 0: Yep.\n\nChannel 1: I was part time and I've been full time and part time, so I can't\n\nChannel 0: Yes.\n\nChannel 1: you know, so there's there's gonna be a bit of a change in in that.\n\nChannel 0: Okay. No. That is no\n\nChannel 1: Yep.\n\nChannel 0: problem. I'll just make a little note on that. That is no problem. Now do you know, though, that your employer, do they pay you that standard 12% contributions interest, or do you know if you have, like, a special enterprise bargain agreement that gives\n\nChannel 1: No.\n\nChannel 0: you\n\nChannel 1: That\n\nChannel 0: entitlement\n\nChannel 1: just just the\n\nChannel 0: more?\n\nChannel 1: regular one. I don't have\n\nChannel 0: To\n\nChannel 1: any\n\nChannel 0: stand\n\nChannel 1: enterprise\n\nChannel 0: it.\n\nChannel 1: bargaining.\n\nChannel 0: Yep. Okay. Perfect. Just a normal. Now asset wise, I have here that you have a motor vehicle ride at about 15,000.\n\nIs that still the\n\nChannel 1: Yeah.\n\nChannel 0: case?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And you didn't have anything owing on that one, do you?\n\nChannel 1: No.\n\nChannel 0: No. Great. Now do you have any other assets or changes in the last twelve months?\n\nChannel 1: No. I haven't had\n\nChannel 0: No. Perfect.\n\nChannel 1: any.\n\nChannel 0: And any other liabilities,\n\nChannel 1: No.\n\nChannel 0: like personal loans or credit cards or anything like that?\n\nChannel 1: No.\n\nChannel 0: Nope.\n\nChannel 1: Credit cards, yes, but no\n\nChannel 0: Yep.\n\nChannel 1: no personal loans or anything like that.\n\nChannel 0: Okay. And do you know how much he's owing on the credit card by any\n\nChannel 1: About\n\nChannel 0: chance?\n\nChannel 1: 3,000.\n\nChannel 0: Okay. Yep. Perfect. Now when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case?\n\nChannel 1: Yep. I'm\n\nChannel 0: Yep.\n\nChannel 1: just\n\nChannel 0: Perfect.\n\nChannel 1: an occasional. Yeah.\n\nChannel 0: Yeah. Just as every now and then.\n\nChannel 1: Yep.\n\nChannel 0: And have you had any significant health issues or injuries or anything in the last\n\nChannel 1: No.\n\nChannel 0: twelve months?\n\nChannel 1: No.\n\nChannel 0: Alright. Great. And do you have private health insurance?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And that is hospital as well?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. Perfect. And the last thing is just estate planning wise. Do you have a will or power of attorney or anything like that in place?\n\nChannel 1: No. Not yet.\n\nChannel 0: Nope. Nope.\n\nChannel 1: No.\n\nChannel 0: Kind of on the to do list.\n\nChannel 1: Yeah. It's still\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: That's okay. Most people are the same. It's just that's fine. Every little review is just a little reminder. Now if when you do get around to it, obviously, I know things are a little bit crazy for you coming back from holiday.\n\nIf you would like us to send you any information about from a from a firm that we work with closely, If you do need assistance having a look at a will of power of attorney, I think just let us know, or we can always click that through to you.\n\nChannel 1: Alright. No worries. Thank\n\nChannel 0: Yep.\n\nChannel 1: you. Thank you.\n\nChannel 0: No. That's okay. Now I do also wanna text. So when it comes to superannuation, so in the event that something were to happen to you, you do currently have three nominations\n\nChannel 1: Yeah.\n\nChannel 0: on\n\nChannel 1: Yeah.\n\nChannel 0: an equal split. Yeah. Now are those three your children? Yep. Beautiful.\n\nAnd you're still happy with that?\n\nChannel 1: Yep. Yes. That'll that'll\n\nChannel 0: Yep.\n\nChannel 1: continue.\n\nChannel 0: Yep. Great. Perfect. Now it is still a non lapsing option, so that stays in place until you decide to change it, which is great. So no changes needed on that end.\n\nThe last thing to kind of touch base on usually doing annual reviews, which is good to know, is just kind of goals, the stuff that you are working towards so that you are wanting to achieve. Now I know again that you kind of came back, so things are a little bit all over the shop at the moment, which is perfectly understandable. But when we spoke to you last time, your your focus in kind of, like, the medium term was to potentially build a yoga studio. Is that still something that you are kind of planning on\n\nChannel 1: Yeah.\n\nChannel 0: doing?\n\nChannel 1: Well, at\n\nChannel 0: Yeah.\n\nChannel 1: the moment, my one of the biggest goal is to be able to find an apartment so that I'm\n\nChannel 0: Yep.\n\nChannel 1: no longer renting.\n\nChannel 0: Yes.\n\nChannel 1: I I I I\n\nChannel 0: Yep.\n\nChannel 1: my that's my first thing. With the yoga\n\nChannel 0: Okay.\n\nChannel 1: business and my family growing,\n\nChannel 0: Yeah.\n\nChannel 1: I think that is something that I've sort of put to a little bit on this on the shelf for the moment.\n\nChannel 0: Mhmm.\n\nChannel 1: But the biggest thing is for me to find a an apartment for myself and my son\n\nChannel 0: Okay.\n\nChannel 1: so that\n\nChannel 0: Yep.\n\nChannel 1: we move out of rental.\n\nChannel 0: Yeah. Gave me a\n\nChannel 1: Yep.\n\nChannel 0: bit more security. And\n\nChannel 1: Yeah.\n\nChannel 0: do you have a mortgage broker? Have you ever spoken to a mortgage broker or\n\nChannel 1: No.\n\nChannel 0: anything?\n\nChannel 1: No. I haven't.\n\nChannel 0: No.\n\nChannel 1: I'm just waiting for my son's job to he's on probation at the moment, so that to\n\nChannel 0: Oh,\n\nChannel 1: finish\n\nChannel 0: yes.\n\nChannel 1: so that we can figure out what financials we have and\n\nChannel 0: Yep.\n\nChannel 1: what we can afford and things like that.\n\nChannel 0: Okay. Perfect. And\n\nChannel 1: Yeah.\n\nChannel 0: if when when when time comes around to it, if you would like, just let us know because we have, some mortgage brokers that we work with very closely\n\nChannel 1: Yep.\n\nChannel 0: that would be happy to give you a call and do a bit of an assessment and seeing, you know,\n\nChannel 1: Sure.\n\nChannel 0: how much you could borrow and\n\nChannel 1: Sure. Sure.\n\nChannel 0: what\n\nChannel 1: Sure.\n\nChannel 0: that might look like.\n\nChannel 1: Okay.\n\nChannel 0: So if you do need that assistance, just just give us a call, and we're more than happy to, get them to reach out to you.\n\nChannel 1: Alright. Appreciate that. Thank you.\n\nChannel 0: No. That's okay. Now that was basically everything that I kind of needed to touch on on my end. But do you\n\nChannel 1: Yep.\n\nChannel 0: have any other questions for me at this point?\n\nChannel 1: No. No. I\n\nChannel 0: Nope.\n\nChannel 1: think you pretty much answered a lot of my questions as we were\n\nChannel 0: Oh,\n\nChannel 1: con\n\nChannel 0: good.\n\nChannel 1: conversing and\n\nChannel 0: Yep.\n\nChannel 1: sort of I'm I'm okay with that. And I\n\nChannel 0: Okay.\n\nChannel 1: can't ask you anything till I've actually read stuff and find out what's going on, and then I can\n\nChannel 0: Yes.\n\nChannel 1: make it then I can have a further conversation with\n\nChannel 0: Decision.\n\nChannel 1: you.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: Okay?\n\nChannel 0: Now like I said, I will let the team know about the little glitch in IT. They will send you the documents tomorrow.\n\nChannel 1: Thank you.\n\nChannel 0: Keep a lookout for your email. Take your time. Have a have a read over. Any questions, like I said, just send us an email, give me a call, and we can\n\nChannel 1: Yep.\n\nChannel 0: always go through them and take things from there.\n\nChannel 1: Awesome. Thanks. Sounds\n\nChannel 0: Yep.\n\nChannel 1: that sounds great. Thank you so much.\n\nChannel 0: Mhmm. No\n\nChannel 1: Really\n\nChannel 0: problem\n\nChannel 1: appreciate\n\nChannel 0: at all.\n\nChannel 1: your call.\n\nChannel 0: I appreciate your time with me this afternoon as well, and I hope you enjoy the rest of your afternoon or\n\nChannel 1: Thank you very much. Alright.\n\nChannel 0: evening.\n\nChannel 1: Thank you so much.\n\nChannel 0: No worries.\n\nChannel 1: Thanks.\n\nChannel 0: We'll speak\n\nChannel 1: Talk\n\nChannel 0: soon.\n\nChannel 1: to you later. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"You record your name and reason for calling.","start":0.24,"end":2.48,"sentiment":"neutral","sentiment_score":0.002926312037743628},{"text":"I'll see if this person is available.","start":2.48,"end":4.26,"sentiment":"neutral","sentiment_score":0.010715357027947903}],"sentiment":"neutral","sentiment_score":0.006561199699838956,"channel":1,"num_words":15,"start":0.24,"end":4.26},{"sentences":[{"text":"Veronica, OQ Financial.","start":5.8399997,"end":7.7,"sentiment":"neutral","sentiment_score":0.03140951879322529}],"sentiment":"neutral","sentiment_score":0.03140951879322529,"channel":0,"num_words":3,"start":5.8399997,"end":7.7},{"sentences":[{"text":"Thanks.","start":12.88,"end":13.38,"sentiment":"neutral","sentiment_score":0.3302570581436157},{"text":"Please stay on the line.","start":13.695,"end":15.075,"sentiment":"neutral","sentiment_score":0.17298552989959717},{"text":"Hello?","start":21.135,"end":21.635,"sentiment":"neutral","sentiment_score":0.10086914896965028}],"sentiment":"neutral","sentiment_score":0.18515055094446456,"channel":1,"num_words":7,"start":12.88,"end":21.635},{"sentences":[{"text":"Good afternoon.","start":22.654999,"end":23.375,"sentiment":"neutral","sentiment_score":0.29015612602233887},{"text":"This is Veronica from Workview Financial.","start":23.375,"end":25.235,"sentiment":"neutral","sentiment_score":0.2461349219083786},{"text":"How are you?","start":25.375,"end":26.195,"sentiment":"neutral","sentiment_score":0.18548751870791116}],"sentiment":"neutral","sentiment_score":0.23759857632897116,"channel":0,"num_words":11,"start":22.654999,"end":26.195},{"sentences":[{"text":"I'm good.","start":26.31,"end":26.63,"sentiment":"positive","sentiment_score":0.46856778860092163},{"text":"Thank you, Monica.","start":26.63,"end":27.51,"sentiment":"positive","sentiment_score":0.5864804784456888},{"text":"Thanks for calling back on time.","start":27.51,"end":29.13,"sentiment":"positive","sentiment_score":0.5742102762063345}],"sentiment":"positive","sentiment_score":0.5583489699797197,"channel":1,"num_words":11,"start":26.31,"end":29.13},{"sentences":[{"text":"No.","start":29.66,"end":29.98,"sentiment":"neutral","sentiment_score":0.16112662851810455},{"text":"That's all good.","start":29.98,"end":31.199999,"sentiment":"positive","sentiment_score":0.36541585127512616},{"text":"I had you booked in for your annual review.","start":32.7,"end":35.02,"sentiment":"neutral","sentiment_score":0.30117921862337327},{"text":"Is now still a good time for you?","start":35.02,"end":36.72,"sentiment":"neutral","sentiment_score":0.22866198793053627}],"sentiment":"neutral","sentiment_score":0.27606109778086346,"channel":0,"num_words":21,"start":29.66,"end":36.72},{"sentences":[{"text":"Yeah.","start":36.95,"end":37.11,"sentiment":"neutral","sentiment_score":0.0885956883430481},{"text":"Yeah.","start":37.11,"end":37.27,"sentiment":"neutral","sentiment_score":0.0906613916158676},{"text":"Yeah.","start":37.27,"end":37.51,"sentiment":"neutral","sentiment_score":0.09582936763763428},{"text":"Yeah.","start":37.51,"end":37.67,"sentiment":"neutral","sentiment_score":0.12436543405056},{"text":"Yeah.","start":37.67,"end":37.91,"sentiment":"neutral","sentiment_score":0.2051662504673004}],"sentiment":"neutral","sentiment_score":0.12092362642288208,"channel":1,"num_words":5,"start":36.95,"end":37.91},{"sentences":[{"text":"This is a good time","start":37.91,"end":38.79,"sentiment":"positive","sentiment_score":0.3714826047420502}],"sentiment":"positive","sentiment_score":0.3714826047420502,"channel":1,"num_words":5,"start":37.91,"end":38.79},{"sentences":[{"text":"Yes.","start":38.555,"end":39.055,"sentiment":"neutral","sentiment_score":0.30387017130851746}],"sentiment":"neutral","sentiment_score":0.30387017130851746,"channel":0,"num_words":1,"start":38.555,"end":39.055},{"sentences":[{"text":"for me.","start":38.79,"end":39.11,"sentiment":"neutral","sentiment_score":0.2821921110153198},{"text":"Thank you.","start":39.11,"end":39.77,"sentiment":"positive","sentiment_score":0.45000243186950684}],"sentiment":"positive","sentiment_score":0.36609727144241333,"channel":1,"num_words":4,"start":38.79,"end":39.77},{"sentences":[{"text":"Perfect.","start":40.235,"end":40.735,"sentiment":"positive","sentiment_score":0.4321785271167755},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you.","start":41.275,"end":49.455,"sentiment":"neutral","sentiment_score":0.04763489583086583}],"sentiment":"neutral","sentiment_score":0.05965188430855051,"channel":0,"num_words":32,"start":40.235,"end":49.455},{"sentences":[{"text":"Yep.","start":49.454998,"end":49.774998,"sentiment":"neutral","sentiment_score":0.09356662631034852},{"text":"That's fine.","start":49.774998,"end":50.594997,"sentiment":"neutral","sentiment_score":0.18205828219652176}],"sentiment":"neutral","sentiment_score":0.15256106356779733,"channel":1,"num_words":3,"start":49.454998,"end":50.594997},{"sentences":[{"text":"Perfect.","start":51.13,"end":51.63,"sentiment":"neutral","sentiment_score":0.2916181683540344},{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, could you just","start":51.69,"end":58.09,"sentiment":"neutral","sentiment_score":0.0585665273524466}],"sentiment":"neutral","sentiment_score":0.06915978376160968,"channel":0,"num_words":22,"start":51.13,"end":58.09},{"sentences":[{"text":"Mhmm.","start":57.93,"end":58.43,"sentiment":"neutral","sentiment_score":0.04346337914466858}],"sentiment":"neutral","sentiment_score":0.04346337914466858,"channel":1,"num_words":1,"start":57.93,"end":58.43},{"sentences":[{"text":"confirm your full name, date of birth, and address for me, plea?","start":58.09,"end":61.47,"sentiment":"neutral","sentiment_score":0.028976447880268097}],"sentiment":"neutral","sentiment_score":0.028976447880268097,"channel":0,"num_words":12,"start":58.09,"end":61.47},{"sentences":[{"text":"Mhmm.","start":61.530003,"end":62.030003,"sentiment":"neutral","sentiment_score":0.006798866204917431},{"text":"So name is Sharon Shams.","start":62.25,"end":64.090004,"sentiment":"neutral","sentiment_score":0.0089330461807549},{"text":"Date of birth is 09/14/1967.","start":64.090004,"end":66.75,"sentiment":"neutral","sentiment_score":0.011107640713453293},{"text":"What was the","start":66.97,"end":67.53,"sentiment":"neutral","sentiment_score":0.012320105296870073}],"sentiment":"neutral","sentiment_score":0.010283044040469187,"channel":1,"num_words":14,"start":61.530003,"end":67.53},{"sentences":[{"text":"Yep.","start":67.385,"end":67.885,"sentiment":"neutral","sentiment_score":0.012179140001535416}],"sentiment":"neutral","sentiment_score":0.012179140001535416,"channel":0,"num_words":1,"start":67.385,"end":67.885},{"sentences":[{"text":"third one?","start":67.53,"end":68.270004,"sentiment":"neutral","sentiment_score":0.011757951229810715}],"sentiment":"neutral","sentiment_score":0.011757951229810715,"channel":1,"num_words":2,"start":67.53,"end":68.270004},{"sentences":[{"text":"Just your address as well, please.","start":68.745,"end":70.445,"sentiment":"neutral","sentiment_score":0.019916818166772526}],"sentiment":"neutral","sentiment_score":0.019916818166772526,"channel":0,"num_words":6,"start":68.745,"end":70.445},{"sentences":[{"text":"11 Aruma Avenue In Kellyville 2155.","start":71.795006,"end":75.255005,"sentiment":"neutral","sentiment_score":0.019760412474473316}],"sentiment":"neutral","sentiment_score":0.019760412474473316,"channel":1,"num_words":6,"start":71.795006,"end":75.255005},{"sentences":[{"text":"Yep.","start":75.72,"end":76.04,"sentiment":"neutral","sentiment_score":0.12139561027288436},{"text":"Perfect.","start":76.04,"end":76.52,"sentiment":"positive","sentiment_score":0.4115567207336426},{"text":"That's exactly what I have here.","start":76.52,"end":78.36,"sentiment":"positive","sentiment_score":0.44193882246812183},{"text":"And how's your day been?","start":78.36,"end":79.56,"sentiment":"neutral","sentiment_score":0.12335717380046844},{"text":"Been busy?","start":79.56,"end":80.38,"sentiment":"neutral","sentiment_score":0.04757799301296473}],"sentiment":"neutral","sentiment_score":0.259768474722902,"channel":0,"num_words":15,"start":75.72,"end":80.38},{"sentences":[{"text":"I'm pretty good.","start":80.19501,"end":80.83501,"sentiment":"neutral","sentiment_score":0.299469918012619},{"text":"Yeah.","start":80.83501,"end":81.075005,"sentiment":"neutral","sentiment_score":0.24363671243190765},{"text":"It's my day with my grandson, so it's always the best","start":81.075005,"end":83.875,"sentiment":"neutral","sentiment_score":0.2679419937458905}],"sentiment":"neutral","sentiment_score":0.27262722651163734,"channel":1,"num_words":15,"start":80.19501,"end":83.875},{"sentences":[{"text":"Oh,","start":83.72,"end":84.22,"sentiment":"positive","sentiment_score":0.33794957399368286}],"sentiment":"positive","sentiment_score":0.33794957399368286,"channel":0,"num_words":1,"start":83.72,"end":84.22},{"sentences":[{"text":"day.","start":83.875,"end":84.375,"sentiment":"positive","sentiment_score":0.35914480686187744}],"sentiment":"positive","sentiment_score":0.35914480686187744,"channel":1,"num_words":1,"start":83.875,"end":84.375},{"sentences":[{"text":"lovely.","start":85.08,"end":85.58,"sentiment":"positive","sentiment_score":0.33797091245651245},{"text":"Now I will try not to keep you for too long.","start":86.28,"end":89.42,"sentiment":"neutral","sentiment_score":0.04705985432321375},{"text":"But before I do jump into things, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any specific questions or whether it's just a bit of a catch up and see how everything is going?","start":90.674995,"end":103.895,"sentiment":"neutral","sentiment_score":0.04758184459060431}],"sentiment":"neutral","sentiment_score":0.05217292805713031,"channel":0,"num_words":62,"start":85.08,"end":103.895},{"sentences":[{"text":"Yes.","start":103.735,"end":104.135,"sentiment":"neutral","sentiment_score":-0.0012320969253778458},{"text":"Probably just gonna be a catch up.","start":104.135,"end":105.495,"sentiment":"neutral","sentiment_score":-0.042038071900606155},{"text":"Can I just I'm actually gonna take my phone off the and put it on speaker, if you 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all.","start":1875.975,"end":1876.635,"sentiment":"neutral","sentiment_score":0.32101787626743317}],"sentiment":"neutral","sentiment_score":0.32101787626743317,"channel":0,"num_words":2,"start":1875.975,"end":1876.635},{"sentences":[{"text":"your call.","start":1876.215,"end":1876.9551,"sentiment":"positive","sentiment_score":0.4217667430639267}],"sentiment":"positive","sentiment_score":0.4217667430639267,"channel":1,"num_words":2,"start":1876.215,"end":1876.9551},{"sentences":[{"text":"I appreciate your time with me this afternoon as well, and I hope you enjoy the rest of your afternoon or","start":1877.495,"end":1883.7589,"sentiment":"positive","sentiment_score":0.6235542510237012}],"sentiment":"positive","sentiment_score":0.6235542510237012,"channel":0,"num_words":21,"start":1877.495,"end":1883.7589},{"sentences":[{"text":"Thank you very much.","start":1883.5089,"end":1884.6489,"sentiment":"positive","sentiment_score":0.6273171380162239},{"text":"Alright.","start":1884.949,"end":1885.429,"sentiment":"neutral","sentiment_score":0.2703925371170044}],"sentiment":"positive","sentiment_score":0.55593221783638,"channel":1,"num_words":5,"start":1883.5089,"end":1885.429},{"sentences":[{"text":"evening.","start":1885.419,"end":1885.919,"sentiment":"positive","sentiment_score":0.3393602967262268}],"sentiment":"positive","sentiment_score":0.3393602967262268,"channel":0,"num_words":1,"start":1885.419,"end":1885.919},{"sentences":[{"text":"Thank you so much.","start":1885.429,"end":1886.4089,"sentiment":"positive","sentiment_score":0.711816743016243}],"sentiment":"positive","sentiment_score":0.711816743016243,"channel":1,"num_words":4,"start":1885.429,"end":1886.4089},{"sentences":[{"text":"No worries.","start":1886.2189,"end":1886.8589,"sentiment":"neutral","sentiment_score":0.2886207327246666}],"sentiment":"neutral","sentiment_score":0.2886207327246666,"channel":0,"num_words":2,"start":1886.2189,"end":1886.8589},{"sentences":[{"text":"Thanks.","start":1886.789,"end":1887.189,"sentiment":"positive","sentiment_score":0.48214659094810486}],"sentiment":"positive","sentiment_score":0.48214659094810486,"channel":1,"num_words":1,"start":1886.789,"end":1887.189},{"sentences":[{"text":"We'll speak","start":1886.8589,"end":1887.3389,"sentiment":"neutral","sentiment_score":0.20511870086193085}],"sentiment":"neutral","sentiment_score":0.20511870086193085,"channel":0,"num_words":2,"start":1886.8589,"end":1887.3389},{"sentences":[{"text":"Talk","start":1887.189,"end":1887.429,"sentiment":"neutral","sentiment_score":0.17263008654117584}],"sentiment":"neutral","sentiment_score":0.17263008654117584,"channel":1,"num_words":1,"start":1887.189,"end":1887.429},{"sentences":[{"text":"soon.","start":1887.3389,"end":1887.8389,"sentiment":"neutral","sentiment_score":0.12643514573574066}],"sentiment":"neutral","sentiment_score":0.12643514573574066,"channel":0,"num_words":1,"start":1887.3389,"end":1887.8389},{"sentences":[{"text":"to you later.","start":1887.429,"end":1888.1489,"sentiment":"neutral","sentiment_score":0.15709040562311807},{"text":"Bye.","start":1888.1489,"end":1888.6489,"sentiment":"neutral","sentiment_score":0.11882120370864868}],"sentiment":"neutral","sentiment_score":0.14752310514450073,"channel":1,"num_words":4,"start":1887.429,"end":1888.6489},{"sentences":[{"text":"Bye.","start":1888.6189,"end":1889.1189,"sentiment":"neutral","sentiment_score":-0.1153680384159088}],"sentiment":"neutral","sentiment_score":-0.1153680384159088,"channel":0,"num_words":1,"start":1888.6189,"end":1889.1189}]},"summary":{"result":"success","short":"Representatives from Workview Financial call clients to confirm personal information and review their investment portfolios. They discuss various topics including their risk tolerance, investment strategies, and risk tolerance for their superanness investments. The importance of researching investments and growing the investment portfolio is emphasized. The agents provide information on various compliance forms and tax file number forms for annual reviews and follow-up meetings, and remind the customers to contact them if they have further questions."},"intents":{"segments":[{"text":"Thank you, Monica. Thanks for calling back on time. No.","start_word":38,"end_word":47,"intents":[{"intent":"Express gratitude","confidence_score":0.030348158},{"intent":"Express gratitude","confidence_score":0.017950293}]},{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, could you just Mhmm. confirm your full name, date of birth, and address for me, plea?","start_word":119,"end_word":152,"intents":[{"intent":"Confirm identity","confidence_score":0.35456723},{"intent":"Confirm identity","confidence_score":0.108882636},{"intent":"Confirm identity","confidence_score":0.031675603},{"intent":"Confirm identity","confidence_score":0.46005824}]},{"text":"And just for security purposes, just so that I can confirm I am speaking with the right person, could you just Mhmm. confirm your full name, date of birth, and address for me, plea? Mhmm.","start_word":119,"end_word":153,"intents":[{"intent":"Provide information","confidence_score":0.04323316}]},{"text":"Now I will try not to keep you for too long. But before I do jump into things, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any specific questions or whether it's just a bit of a catch up and see how everything is going? Yes.","start_word":215,"end_word":276,"intents":[{"intent":"Inquire about future conversation","confidence_score":0.0016678149},{"intent":"Ask for assistance","confidence_score":0.015449347}]},{"text":"Probably just gonna be a catch up. Can I just I'm actually gonna take my phone off the and put it on speaker, if you don't Sure.","start_word":277,"end_word":303,"intents":[{"intent":"Request phone removal","confidence_score":0.08852341}]},{"text":"I actually wanted to sort of find out, basically, how my what what my whatever. How is it going? How's the investment and stuff like that?","start_word":349,"end_word":374,"intents":[{"intent":"Review investment status","confidence_score":0.018863514}]},{"text":"I'll go through the documents with you. And then tomorrow, when IT and everything is back in the office, I will get Mhmm. the documents emailed to you. Oh, okay.","start_word":710,"end_word":739,"intents":[{"intent":"Review documents","confidence_score":0.10009024}]},{"text":"If you do see something come through tonight, just disregard it. You will get the new updated one tomorrow, if that's okay. Okay.","start_word":773,"end_word":795,"intents":[{"intent":"Disregard outdated document","confidence_score":0.0015565009}]},{"text":"Now one of them is a breakdown of your superannuation. Okay.","start_word":844,"end_word":854,"intents":[{"intent":"Discuss superannuation breakdown","confidence_score":0.05099078}]},{"text":"So tell me, I mean, why am I paying insurance? What's the What? insurance for? Yeah.","start_word":904,"end_word":919,"intents":[{"intent":"Express confusion about coverage","confidence_score":0.00031369756}]},{"text":"So there are a lot of different type of covers for insurances. So you can have life insurance. Life insurance will be for the purpose of of if something were to happen to you, that would then be left to your loved ones or whoever you wanna Okay.","start_word":920,"end_word":967,"intents":[{"intent":"Share insurance information","confidence_score":0.000026191914}]},{"text":"So there are a lot of different type of covers for insurances. So you can have life insurance. Life insurance will be for the purpose of of if something were to happen to you, that would then be left to your loved ones or whoever you wanna Okay. give it to.","start_word":920,"end_word":970,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.1417229}]},{"text":"that your portfolio has decreased in value by 20% due to general trends in the market.","start_word":1574,"end_word":1589,"intents":[{"intent":"Assess portfolio value","confidence_score":0.08287791}]},{"text":"So would you ever consider taking out a loan to invest in the share market? No. Not to No.","start_word":1894,"end_word":1912,"intents":[{"intent":"Analyze investment options","confidence_score":0.028255891}]},{"text":"we're trying to limit fluctuations a little bit, but the main focus is to grow your super, Okay.","start_word":2181,"end_word":2198,"intents":[{"intent":"Limit fluctuations","confidence_score":0.54254043}]},{"text":"we're trying to limit fluctuations a little bit, but the main focus is to grow your super, Okay. especially if you do have a little bit longer until you wanna access it. Sure.","start_word":2181,"end_word":2213,"intents":[{"intent":"Grow super","confidence_score":0.24229364}]},{"text":"Now when it also comes to a time frame, sorry, it's also important through factoring in time frame so that you have enough time in the market for when you wanna access your super for those short term fluctuations to come back around. So it's not that you wanna access your money tomorrow, and there's a bit of fluctuations at that time. So Yeah.","start_word":2217,"end_word":2280,"intents":[{"intent":"Factor in time frame","confidence_score":0.55514413}]},{"text":"I I have I have hay fever, and I continuously have cough every now and then. Yep.","start_word":2355,"end_word":2371,"intents":[{"intent":"Obtain water","confidence_score":0.034780893}]},{"text":"long as you are still comfortable seeing, you know, a bit of those short term fluctuations, as long as long term it continues to grow for Yep. you.","start_word":2427,"end_word":2454,"intents":[{"intent":"Plan long term growth","confidence_score":0.0022517617}]},{"text":"when it comes to your investments as well, so in the email tomorrow, Mhmm. it will give you a bit of a rundown of all your investments. So it will Okay. show you over the last twelve months. Now it might look a little bit messy, but it breaks down all your individual investments. Okay.","start_word":2464,"end_word":2518,"intents":[{"intent":"Break down investments","confidence_score":0.049532898}]},{"text":"Now we sent you an email in I think it was the March 13 in regards to making an investment switch for you to be proactive with, obviously, the market changes.","start_word":2567,"end_word":2597,"intents":[{"intent":"Recommend investment switch","confidence_score":0.0070034624}]},{"text":"And, basically, what it did is that the investment committee makes, obviously, research on all the investments all the time. Things Yeah.","start_word":2686,"end_word":2707,"intents":[{"intent":"Confirm knowledge","confidence_score":0.00008374715}]},{"text":"But at the same time, if we do a lot of research on an investment and we foresee that it might not be the best option moving forward, Or if it is underperforming a little bit, we also wanna be proactive with making a change and making Yep. sure that we do have you in the best options possible. Okay.","start_word":2719,"end_word":2778,"intents":[{"intent":"Discuss investment options","confidence_score":0.028550511}]},{"text":"It is just replacing one Australian investment with another one Okay.","start_word":2834,"end_word":2844,"intents":[{"intent":"Discuss portfolio replacement","confidence_score":0.0012380742}]},{"text":"So the investment committee changed that for you through the BetaShares Australia two hundred, and that one essentially focuses on investing in the 200 largest companies listed in Okay. Australia.","start_word":2986,"end_word":3015,"intents":[{"intent":"Update investments","confidence_score":0.09546388}]},{"text":"Now for next annual review as well Yeah. or when you do and when you do later turn 60, there are a lot of really different strategies we can have a look and do for you that kind Okay.","start_word":3444,"end_word":3482,"intents":[{"intent":"Requesting review","confidence_score":0.00038616694}]},{"text":"or when you do and when you do later turn 60, there are a lot of really different strategies we can have a look and do for you that kind Okay.","start_word":3452,"end_word":3482,"intents":[{"intent":"Suggesting future actions","confidence_score":0.0011282142}]},{"text":"And now the other thing the other form, sorry, that we will ask you to sign if you're happy to do so, it is just a compliance form, and it is just a tax file number form. And that is just Oh, to okay. say that we are keeping your tax file number secure and safe on file. Okay.","start_word":3574,"end_word":3632,"intents":[{"intent":"Complimenting documents","confidence_score":0.0020804526}]},{"text":"I'll just have to ask my children of if they can if they will if they're willing to be that. course.","start_word":3953,"end_word":3973,"intents":[{"intent":"Schedule a call for children","confidence_score":0.000005571137}]},{"text":"But the biggest thing is for me to find a an apartment for myself and my son Okay.","start_word":5051,"end_word":5068,"intents":[{"intent":"Find apartment","confidence_score":0.87154245},{"intent":"Find apartment","confidence_score":0.04734441}]},{"text":"so that we can figure out what financials we have and Yep. what we can afford and things like that. Okay. Perfect.","start_word":5128,"end_word":5149,"intents":[{"intent":"Discuss financials","confidence_score":0.052675333}]},{"text":"So if you do need that assistance, just just give us a call, and we're more than happy to, get them to reach out to you. Alright.","start_word":5218,"end_word":5244,"intents":[{"intent":"Reach out","confidence_score":0.01757492}]},{"text":"have any other questions for me at this point?","start_word":5272,"end_word":5280,"intents":[{"intent":"Discuss questions","confidence_score":0.07942224}]},{"text":"Now like I said, I will let the team know about the little glitch in IT. They will send you the documents tomorrow.","start_word":5351,"end_word":5373,"intents":[{"intent":"Update team","confidence_score":0.0394331}]}]},"sentiments":{"segments":[{"text":"You record your name and reason for calling. I'll see if this person is available. Veronica, OQ Financial. Thanks. Please stay on the line. Hello? Good afternoon. This is Veronica from Workview Financial. How are you?","start_word":0,"end_word":35,"sentiment":"neutral","sentiment_score":0.11599238216876984},{"text":"I'm good. Thank you, Monica. Thanks for calling back on time.","start_word":36,"end_word":46,"sentiment":"positive","sentiment_score":0.5405835509300232},{"text":"No.","start_word":47,"end_word":47,"sentiment":"neutral","sentiment_score":0.16112662851810455},{"text":"That's all good.","start_word":48,"end_word":50,"sentiment":"positive","sentiment_score":0.348737895488739},{"text":"I had you booked in for your annual review. Is now still a good time for you? Yeah. Yeah. Yeah. Yeah. Yeah.","start_word":51,"end_word":72,"sentiment":"neutral","sentiment_score":0.21488873660564425},{"text":"This is a good time Yes.","start_word":73,"end_word":78,"sentiment":"positive","sentiment_score":0.3524259328842163},{"text":"for me.","start_word":79,"end_word":80,"sentiment":"neutral","sentiment_score":0.2899954915046692},{"text":"Thank you. Perfect.","start_word":81,"end_word":83,"sentiment":"positive","sentiment_score":0.4360738694667816},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay with you. Yep. That's fine. Perfect. And just for security purposes, just so that I can confirm I am speaking with the right person, could you just Mhmm. confirm your full name, date of birth, and address for me, plea? Mhmm. So name is Sharon Shams. Date of birth is 09/14/1967. What was the Yep. third one? Just your address as well, please. 11 Aruma Avenue In Kellyville 2155. Yep.","start_word":84,"end_word":182,"sentiment":"neutral","sentiment_score":0.04637316614389419},{"text":"Perfect. That's exactly what I have here.","start_word":183,"end_word":189,"sentiment":"positive","sentiment_score":0.42855706810951233},{"text":"And how's your day been? Been busy? I'm pretty good. Yeah. It's my day with my grandson, so it's always the best Oh, day.","start_word":190,"end_word":213,"sentiment":"neutral","sentiment_score":0.22894428670406344},{"text":"lovely.","start_word":214,"end_word":214,"sentiment":"positive","sentiment_score":0.33797091245651245},{"text":"Now I will try not to keep you for too long. But before I do jump into things, I do like to start by asking if there is anything specific that you were hoping to get out of the review today or any specific questions or whether it's just a bit of a catch up and see how everything is going? Yes. Probably just gonna be a catch up. Can I just I'm actually gonna take my phone off the and put it on speaker, if you don't Sure. Yeah. Of course. mind? K. Can you still hear me, Monica? Yes. Can you hear me? Yeah. I'm just gonna put your volume up. Put the volume up. Okay. Is that better? Yeah. Yeah. I can hear you okay. Can you Okay. hear me? Yeah. I actually wanted to sort of find out, basically, how my what what my whatever. How is it going? How's the investment and stuff like that? Because I'm the kind of person, unfortunately, just haven't got the head and the time at this present moment to sort of really look through and Mhmm. review Yep. my, you know, superannuation, all everything that's going going Yes. on. Yep. So And that I is just wanted to find out where is that and how is it going yep.","start_word":215,"end_word":434,"sentiment":"neutral","sentiment_score":0.003723717923276126},{"text":"with this current global market that's totally gone belly up. That's a bit up and down.","start_word":435,"end_word":450,"sentiment":"negative","sentiment_score":-0.368025004863739},{"text":"Yeah. No. That is fair. So we can start there. Now do you have access to your emails at the moment or not really right now? No. I don't have any access. No. I don't I'm I've just had the phone. I have not got anything at the moment. No. That's okay. Now what I have done is I have sent you an email with some Mhmm. documents to go through. Yeah. Now I can definitely go through them with you kind of briefly over the phone, which does touch on your super and your investments, Yeah. a couple of other things as well. And then later when you have a moment or when you have Yeah. access to a computer or, obviously, when you're not speaking to me on the phone, Yep. have a look through them. And if you then have any questions, you can just Yeah. me now. Would that be okay? Oh, okay. Yeah. Yeah. Yeah. Yeah. So Yeah. you've actually sort of outlined everything that's been going on exactly. Yes. Exactly. Okay. So Alright. let me just make sure that's all was sent okay. Let's see here. Let me just triple check because you never know with technology. Sometimes it's Fair really enough. good, and other times, not so much. So let me just have a bit of a look here for you. Now it does look like everything didn't come through. So Okay. what what I might do, just disregard that one. Now everyone else have left for the day, but Yeah. I'll go through the documents with you. And then tomorrow, when IT and everything is back in the office, I will get Mhmm. the documents emailed to you. Oh, okay. So So it keep hasn't a come look through at yet. no. Because it looks like what was sent was just one of that. It wasn't actually all the documents. Oh, okay. Okay. Yes. If you do see something come through tonight, just disregard it. You will get the new updated one tomorrow, if that's okay. Okay. Alright. Not a problem. Not Yeah. a problem.","start_word":451,"end_word":803,"sentiment":"neutral","sentiment_score":0.013125360360311044},{"text":"Perfect.","start_word":804,"end_word":804,"sentiment":"positive","sentiment_score":0.5148806571960449},{"text":"Okay. Now when you do have a look through your document, so tomorrow when it does come through, it will give you a a breakdown of your situation. So there are a couple of documents there for you. Mhmm. Now one of them is a breakdown of your superannuation. Okay. So when you do have a a look at it, you will see that you have your superannuation with Netwealth. Yeah. Now Yeah. you have, at the moment, a $130,419 in there. Okay? Okay. And you don't have any insurances. And you're still comfortable and happy without insurances? Okay. So tell me, I mean, why am I paying insurance? What's the What? insurance for? Yeah. So there are a lot of different type of covers for insurances. So you can have life insurance. Life insurance will be for the purpose of of if something were to happen to you, that would then be left to your loved ones or whoever you wanna Okay. give it to. Alright. You then Okay. you then have total permanent disability insurance, and now that is for you. So that is if something were to happen to you and you can never go back to work again, it is then an insurance policy to cover you for the loss of income because you cannot work. Right. You also have sorry. Awesome. Did you have a question? No. No. No. Carry on. Nope. You also have income protection. Now income protection is where you will temporarily replace your income if you are unable to work. So TPD, total permanent disability, is where you can never go back to work again, and you need to have two doctors to sign off on the fact that you can never return to work. That Alright. one is obviously a lot more severe, whereas income protection is just temporarily. And that can cover, yeah, up to 70% of your income on a monthly basis to support financially if something were to happen. Okay. Okay. Okay. And Alright. then the last Yeah. No. At yeah. the moment, no. I I don't wanna take out those type of insurances right now. No. That's I okay.","start_word":805,"end_word":1167,"sentiment":"neutral","sentiment_score":-0.027916130448175855},{"text":"I don't feel I don't I I just I'm not comfortable with that.","start_word":1168,"end_word":1180,"sentiment":"negative","sentiment_score":-0.36729082465171814},{"text":"No. And that is Yeah. perfectly fine. It is something I just need to check just to make sure you you you don't understand, and that is no problem. It's completely up to you. And if you don't feel like you need to or pay for it, that is completely fine. Okay.","start_word":1181,"end_word":1232,"sentiment":"neutral","sentiment_score":0.08496291935443878},{"text":"Thank you.","start_word":1233,"end_word":1234,"sentiment":"positive","sentiment_score":0.34342214465141296},{"text":"No. That's okay. Now when it comes to your superannuation investments as well, So what I will do is run through just a bit of an updated risk profile questionnaire with you first Yep. just to see if your risk tolerance or anything has changed when it comes to your investment, if we need to make any changes to your investment. Yeah. Okay. So it is just multiple choice to make it nice and easy, and there is no right or wrong answer. It's just whatever Sure. you feel you are the most comfortable Okay. with. Does that make sense? Yep. Yep. Yep. Perfect. Now have you ever bought direct shares on the stock market yourself? No. Nope. Perfect. And when it comes to accessing superannuation, do you have any idea at the moment of when you are planning on retiring or drawing an income from superannuation? Not for another ten years for sure. Not for another ten years. Yeah. No problem. And when you do retire, do you have an idea of, like, a a weekly amount that you would like to draw from super to support you and your your finances and everything? I can't tell you that right now. No. That's okay. I do have here from last time we spoke to you, you were aiming for about a thousand dollars a week to help Okay. support, Yeah. It it yeah. Yeah. Yeah. that That's would be what probably about the same? Yes. Okay.","start_word":1235,"end_word":1481,"sentiment":"neutral","sentiment_score":0.05546186939786803},{"text":"Great. Perfect.","start_word":1482,"end_word":1483,"sentiment":"positive","sentiment_score":0.5282192826271057},{"text":"Otherwise, when it comes to how much risk you are willing to take yeah. for Yep. your superannuation. Now would you say where you are at currently that you would be willing to accept very high risk for superannuation to grow it, high, moderate, or a small amount of risk? High to moderate. High Not to moderate. very high. Okay. Perfect. And when it comes to volatility, so fluctuations in the market, Mhmm. now how would you feel if in six months after placing an investment, you found out Cool.","start_word":1484,"end_word":1573,"sentiment":"neutral","sentiment_score":-0.009915406815707684},{"text":"that your portfolio has decreased in value by 20% due to general trends in the market.","start_word":1574,"end_word":1589,"sentiment":"negative","sentiment_score":-0.33620718121528625},{"text":"So let's say not one particular investment, Yeah. just the market as a whole. Would you, if you had the option to do so, think that, well, now is potentially a good time to invest while the prices are down so you'd put a little bit more in? Would you just kind of hold and kind of wait and assess what happened, Or would you want to sell and then move through a little bit more secure assets, so that means you are then selling when the prices have already dropped? Does that make sense? Yeah. And I think I I I am the person who probably just wanna hold on to make sure that Yep. it'll come up. I Okay. because I if I sell it, then it's gonna be at the lower price, and I'm not gonna get Correct. anything at all. So Yep. yeah. Okay. Perfect. No. And the next one here Stop. is in regards to fluctuations. Yeah. So whether that's your superannuation or any other assets that's fluctuated. Yeah. Now if if it ever dropped in value Yeah. temporarily, would you say that you would feel optimistic about potential investment opportunities, a bit more kind of neutral, not making further investments, or do you think that would make you quite concerned or anxious? Right now okay.","start_word":1590,"end_word":1810,"sentiment":"neutral","sentiment_score":-0.07133671641349792},{"text":"It will get me concerned, but I'm not going to act upon I'm not going to react to it.","start_word":1811,"end_word":1829,"sentiment":"negative","sentiment_score":-0.4055978655815125},{"text":"I will just respond to it in a in a manner where I'm not sort of acting out in in haste to Yep.","start_word":1830,"end_word":1852,"sentiment":"neutral","sentiment_score":-0.22199824452400208},{"text":"Yep. detrimental my my investment.","start_word":1853,"end_word":1857,"sentiment":"negative","sentiment_score":-0.5489791631698608},{"text":"So I guess I I guess I will again wait and see what's going Yep. on. Yeah. Yep.","start_word":1858,"end_word":1875,"sentiment":"neutral","sentiment_score":-0.1882886588573456},{"text":"Perfect. And that's a very sensible way.","start_word":1876,"end_word":1882,"sentiment":"positive","sentiment_score":0.5215054750442505},{"text":"Now the last one here is in regards to borrowing money. So would you ever consider taking out a loan to invest in the share market? No. Not to No. invest in share markets. No. No. Would you ever consider taking out a loan to buy an investment property? I would probably do that. Yep. Okay.","start_word":1883,"end_word":1938,"sentiment":"neutral","sentiment_score":-0.05193080380558968},{"text":"Perfect.","start_word":1939,"end_word":1939,"sentiment":"positive","sentiment_score":0.34636807441711426},{"text":"Now that tells me here that you have come out as a growth investor, which at the moment is the portfolio that we do have you invested in, which is good. Now do you remember what it means to be a growth investor at all? We spoke to each other well, I spoke with your company about a year ago. Yep. A lot has happened in my life. There's no way I'm gonna remember anything That much. is perfectly fine. To be fair, I would say nine out of 10 people say the same. They're like, oh, yep. No. And that is fine. Now, basically, a growth investor typically is someone who is looking at getting as much growth as you possibly can out of your superannuation while you still Yeah. have plenty of time until you wanna access that money. Okay. It's also someone who is willing and understand that there will be some short term fluctuations in the market in order to tryna achieve that growth. Okay. Because, Okay. typically speaking, you have 80% of the money invested in what we would call your growth assets. Okay. Now these are things like Australian shares, international shares, but also property and commodities, and that is ultimately what's going to grow that super the most for you. And then about 20% in defensive. Now this would be things like cash, fixed interest, Okay. and gold as well. Okay. So Okay. we're trying to limit fluctuations a little bit, but the main focus is to grow your super, Okay. especially if you do have a little bit longer until you wanna access it. Sure. Sure. Sure. Sure. Okay. Now when it also comes to a time frame, sorry, it's also important through factoring in time frame so that you have enough time in the market for when you wanna access your super for those short term fluctuations to come back around. So it's not that you wanna access your money tomorrow, and there's a bit of fluctuations at that time. So Yeah. in a growth portfolio, typically, we would like to see at least six years until retirement. So if you are planning on kind of working for the next ten years from a time frame point of Sir, view. just can I just stop Yeah. you for one second? Of course. Excuse me. Thank you. My apologies for the cough. No. No. Yep. Are you okay? Do you need some Yeah. water I or anything? I I have I have hay fever, and I continuously have cough every now and then. Yep.","start_word":1940,"end_word":2371,"sentiment":"neutral","sentiment_score":0.067497661544217},{"text":"Oh, that's really annoying for you.","start_word":2372,"end_word":2377,"sentiment":"negative","sentiment_score":-0.5273632407188416},{"text":"Yeah. Well, Okay. if you need to again, just interrupt me. Okay? Okay. Thank you. Thank you. Yeah. That's okay. So, yeah, like I was saying, from a time frame, a growth portfolio is a good position because you still have more than six years until retirement as Yeah. long as you are still comfortable seeing, you know, a bit of those short term fluctuations, as long as long term it continues to grow for Yep. you. Yep. Yep. Yep. Yep. Yep.","start_word":2378,"end_word":2459,"sentiment":"neutral","sentiment_score":0.15572769939899445},{"text":"Okay. Perfect.","start_word":2460,"end_word":2461,"sentiment":"positive","sentiment_score":0.4481198191642761},{"text":"Now Alright. when it comes to your investments as well, so in the email tomorrow, Mhmm. it will give you a bit of a rundown of all your investments. So it will Okay. show you over the last twelve months. Now it might look a little bit messy, but it breaks down all your individual investments. Okay. So it shows you all your individual investment and how they have performed. Okay. Now do have a look at it.","start_word":2462,"end_word":2539,"sentiment":"neutral","sentiment_score":0.15514738857746124},{"text":"You will see that one of your previous investment was down. So that has a negative in front of it.","start_word":2540,"end_word":2559,"sentiment":"negative","sentiment_score":-0.4704491198062897},{"text":"All the other investments were positive. Okay. Now we sent you an email in I think it was the March 13 in regards to making an investment switch for you to be proactive with, obviously, the market changes. Did you get that email by any chance? It wasn't anything Mhmm. you fine.","start_word":2560,"end_word":2611,"sentiment":"neutral","sentiment_score":0.09968292713165285},{"text":"If if I did get it, look, I probably would not have responded to it simply because I No. was overseas at that time on a holiday.","start_word":2612,"end_word":2638,"sentiment":"negative","sentiment_score":-0.3812510371208191},{"text":"Yeah. I was not in a time frame of doing anything at No.","start_word":2639,"end_word":2651,"sentiment":"neutral","sentiment_score":-0.319317102432251},{"text":"that point of time, and I also didn't have proper access to Internet as well.","start_word":2652,"end_word":2666,"sentiment":"negative","sentiment_score":-0.4017459750175476},{"text":"Okay. And that is perfectly fine. It wasn't anything you had to sign. It was just for your reference. And, basically, what it did is that the investment committee makes, obviously, research on all the investments all the time. Things Yeah. fluctuate. Sometimes things go down. Sometimes things obviously go up. Mhmm. But at the same time, if we do a lot of research on an investment and we foresee that it might not be the best option moving forward, Or if it is underperforming a little bit, we also wanna be proactive with making a change and making Yep. sure that we do have you in the best options possible. Okay. So, Okay. yeah, so what that email was for just for your reference, it was to let you know that the one investment that was down, which was your Benelon Australian equity, have Yeah. been switched out for another option, which is called the BetaShares Australia two Okay. 100. Just a quick overview for you. It is just replacing one Australian investment with another one Okay. because we do wanna make sure we keep the the portfolio as a whole very diversified for you. And if we take one market out, we wanna replace it with something similar. But Okay. Mhmm. what the investment committee did as well is researching options that was performing a little bit better, Yep. but it was also a little bit cheaper because the style of investment is a little bit different to the Bennelong. Whereas the Bennelong investment, they are trying to kind of actively buy and sell different investments in Okay. order to try to outperform the market. Now sometimes that works out really well, and they had been doing really well, which is why it was added to your portfolio to start with. Alright. But, yeah, like I said, more recently, they've been a little bit slower or underperforming. So the investment committee changed that for you through the BetaShares Australia two hundred, and that one essentially focuses on investing in the 200 largest companies listed in Okay. Australia. Okay. So very Okay. diversified, all the banks. It has Mhmm. Woolworths. It has BHP and stuff for you. Okay. Does that Okay. make sense? Yeah. It it Yeah. does make a little bit of sense. Again, like I said, Yeah. I'm not very financial That's savvy. okay. So it somewhat makes sense, and Yep. I I'm getting it. Yep. But, again, like I said, I will not be able to 100% understand exactly, but till I actually have had a read through it. Yeah. Yeah. And that is perfectly fine, and that's ultimately what we're here for at the end of the day. Yeah. But, basically, for you, when you do have a look at the report, you will see that one investment, like I said, was down. It has been switched out for you already. So Yep. moving forward, it should be a little bit smoother for you and see things moving in the right direction, especially when we are having a bit of fluctuations in the market. Okay. Okay.","start_word":2667,"end_word":3187,"sentiment":"neutral","sentiment_score":0.06234260269524726},{"text":"So that's great.","start_word":3188,"end_word":3190,"sentiment":"positive","sentiment_score":0.4603017270565033},{"text":"Okay. Now, otherwise, in the email tomorrow when it comes through is that you will also have two compliance forms. Now you would have seen this one before. It is just an updated financial services guide. It is one of those documents that gives you all the important information in regards to us here at Oakview for you. None Mhmm. of the important information has changed.","start_word":3191,"end_word":3256,"sentiment":"neutral","sentiment_score":0.10915031284093855},{"text":"But as you have a read through it, you will see that we've had a bit of an extension to the team, which is great, and also a bit of an updated marketing.","start_word":3257,"end_word":3289,"sentiment":"positive","sentiment_score":0.3892300128936768},{"text":"So when you do have a look through the documents tomorrow or whenever you have a Okay. moment, Yep. if as you scroll through, you will also see a photo of myself if you do Okay. wanna put a face to the voice. Okay.","start_word":3290,"end_word":3333,"sentiment":"neutral","sentiment_score":0.06276427209377289},{"text":"Thank you so much Yeah.","start_word":3334,"end_word":3338,"sentiment":"positive","sentiment_score":0.5059282183647156},{"text":"for that, Mhmm. Monica. No. Okay. That's okay. Now there are two more Yep. Yeah. client. Now there is no changes whatsoever in regards to the fee structure that stays Okay. exactly the same at 1.65 from super, Okay. Okay. and it is not a lock in contract. So if at any point in time you are not happy, it is Yep. not a lock in contract, no Yep. exit fees or anything like that, but Okay. this just makes sure that we can keep service your account and everything Okay. like that for you in the meantime. Okay. Thank you. Okay. No. That's okay. Now for next annual review as well Yeah. or when you do and when you do later turn 60, there are a lot of really different strategies we can have a look and do for you that kind Okay. of optimizes tax by drawing some tax free money from super while putting some in. So Okay. when you do get to 60, there are really, yeah, a lot of different strategies we can do to kind of optimize your position a little bit further, which is great, Yeah. the way things are working. Yeah. But that Yep. will be, like, a a next year a next year thing. Next year issue. But we can, Yeah. yeah, Okay. so we can then review that for you, which which Okay.","start_word":3339,"end_word":3571,"sentiment":"neutral","sentiment_score":0.09246896952390672},{"text":"is great.","start_word":3572,"end_word":3573,"sentiment":"positive","sentiment_score":0.4733742475509643},{"text":"And now the other thing the other form, sorry, that we will ask you to sign if you're happy to do so, it is just a compliance form, and it is just a tax file number form. And that is just Oh, to okay. say that we are keeping your tax file number secure and safe on file. Okay. Does that all make Okay. sense? Yep.","start_word":3574,"end_word":3639,"sentiment":"neutral","sentiment_score":0.1296074390411377},{"text":"That's all good.","start_word":3640,"end_word":3642,"sentiment":"positive","sentiment_score":0.4736254811286926},{"text":"Yep.","start_word":3643,"end_word":3643,"sentiment":"neutral","sentiment_score":0.23628585040569303},{"text":"Yeah. Perfect.","start_word":3644,"end_word":3645,"sentiment":"positive","sentiment_score":0.4341883659362793},{"text":"Now Alright. those are all the documents that you will receive tomorrow. So keep Okay. a lookout for your inbox. Any questions on the documents or anything like that, just let me know. Alright. The other thing I do need to run quickly through with you before I let you go and enjoy the rest of your afternoon or evening, I should say, It's just a bit of an update. It's fine just to see if there's anything major that has changed in your life, if we need to make any changes to your advice at all. So I'll tryna make it quick. Yeah? What I'll tryna kind of make changes it. does Yeah. So if I it's a personal information. I have you that down here Okay. as single with no financial dependent. Your son is older. Is that correct? Yeah. Yeah. Yep. But, technically, Perfect. he's still living with me, so it's well, food and everything Okay. is still He's still so he's technically he is financial dependent. That's okay because if yeah. he's living Yeah. at home Because and he's stuff. living at home. I mean, like, he's working and everything, but he's Yep. also like, I'm I'm sort of because of a slight disability that he's got, I'm having to, you know, look after Like, the house support. and paint, wash, Yeah. make for it, and all of that stuff for him. So yeah. Yeah. Yep. Yeah. And next up, Ken, I don't actually have someone nominated. Now this can be anybody. So it is just someone if for some reason we cannot get in touch with you at all, it Yeah. is someone that we could contact and just Okay. make sure you're okay, and that can be Can anyone. I Do you have email do you that have any to you? I'll just have to ask my children of if they can if they will if they're willing to be that. course. Of course. Of course, you can. Yeah. Okay. And there is no obligations for them to do anything. It is just a matter of someone that we can call as a Okay. next of kin. Alright. Now email wise, do you you have you you have our email address okay? Your my email address? R one. So when you do when you have a chance to have spoken to your your Oh, yeah. kids, Yeah. I think if yeah. they are I'll call through yes. Oak your financials anyway. So through Yes. that. Yes. Okay. Exactly. Yeah. Yep.","start_word":3646,"end_word":4071,"sentiment":"neutral","sentiment_score":0.04259526018630451},{"text":"And Perfect.","start_word":4072,"end_word":4073,"sentiment":"positive","sentiment_score":0.4234137535095215},{"text":"the other And then important thing that I do need to let you guys know that I'm now working mhmm. Yes. four days a week rather than five days a week. Okay. So Perfect. full I'm I'm not full time. I'm part time at the moment. Yep. I'm still working as a teacher, though? Yep. Yep. Yep.","start_word":4074,"end_word":4130,"sentiment":"neutral","sentiment_score":0.06941530853509903},{"text":"Perfect.","start_word":4131,"end_word":4131,"sentiment":"positive","sentiment_score":0.4593545794486999},{"text":"And what kind of teacher are you? High school English teacher. Yeah. And how do you find that?","start_word":4132,"end_word":4149,"sentiment":"neutral","sentiment_score":0.15203793346881866},{"text":"I love it. Oh, that's good.","start_word":4150,"end_word":4155,"sentiment":"positive","sentiment_score":0.6752970218658447},{"text":"What you might notice, obviously, being an English teacher that I do have a bit of an accent. So if you do pick up on it, I am Swedish originally. So if you do hear a little bit, that is why. Oh, don't worry about that. Okay. Now, otherwise, income wise, that may have changed obviously for you. Sorry. We had here down a 120. Do you know where that's changed to now? Yes. I have no clue at the moment. I can't tell you. That's Again, okay. like I said, I've just come I've come from holidays, gone into part time. Haven't done. Just sitting down Yep. to That's get our time. my head around everything. So with my No. income and financials and everything, it's just happening Just slowly, a big but payoff. it's happening. That's Yeah. okay. So I'll just put there's it gonna used to be be pro one rata 20. of what I've told you. Yes. It's yeah. So I'm gonna find that out soon because that is and it I can only say that after the next at at the end of the financial year Yes. because Yep. I was part time and I've been full time and part time, so I can't Yes. you know, so there's there's gonna be a bit of a change in in that. Okay. No. That is no Yep. problem. I'll just make a little note on that. That is no problem. Now do you know, though, that your employer, do they pay you that standard 12% contributions interest, or do you know if you have, like, a special enterprise bargain agreement that gives No. you That entitlement just just the more? regular one. I don't have To any stand enterprise it. bargaining. Yep. Okay. Perfect. Just a normal. Now asset wise, I have here that you have a motor vehicle ride at about 15,000. Is that still the Yeah. case? Yeah. Perfect. And you didn't have anything owing on that one, do you? No. No. Great. Now do you have any other assets or changes in the last twelve months? No. I haven't had No. Perfect. any. And any other liabilities, No. like personal loans or credit cards or anything like that? No. Nope. Credit cards, yes, but no Yep. no personal loans or anything like that. Okay. And do you know how much he's owing on the credit card by any About chance? 3,000. Okay. Yep. Perfect. Now when it comes to health and lifestyle, I have you down here as a nonsmoker. Is that still the case? Yep. I'm Yep. just Perfect. an occasional. Yeah. Yeah. Just as every now and then. Yep. And have you had any significant health issues or injuries or anything in the last No. twelve months? No. Alright. Great. And do you have private health insurance? Yes. Yep. And that is hospital as well? Yes. Yep. Okay. Perfect. And the last thing is just estate planning wise. Do you have a will or power of attorney or anything like that in place? No. Not yet. Nope. Nope. No. Kind of on the to do list. Yeah. It's still Yep. yeah. That's okay. Most people are the same. It's just that's fine. Every little review is just a little reminder. Now if when you do get around to it, obviously, I know things are a little bit crazy for you coming back from holiday. If you would like us to send you any information about from a from a firm that we work with closely, If you do need assistance having a look at a will of power of attorney, I think just let us know, or we can always click that through to you. Alright. No worries.","start_word":4156,"end_word":4782,"sentiment":"neutral","sentiment_score":-0.006533389744694914},{"text":"Thank Yep. you. Thank you.","start_word":4783,"end_word":4787,"sentiment":"positive","sentiment_score":0.38712039589881897},{"text":"No. That's okay. Now I do also wanna text. So when it comes to superannuation, so in the event that something were to happen to you, you do currently have three nominations Yeah. on Yeah. an equal split. Yeah. Now are those three your children? Yep.","start_word":4788,"end_word":4833,"sentiment":"neutral","sentiment_score":0.09346550703048706},{"text":"Beautiful.","start_word":4834,"end_word":4834,"sentiment":"positive","sentiment_score":0.5022146105766296},{"text":"And you're still happy with that? Yep. Yes. That'll that'll Yep. continue. Yep.","start_word":4835,"end_word":4847,"sentiment":"neutral","sentiment_score":0.2013731747865677},{"text":"Great. Perfect.","start_word":4848,"end_word":4849,"sentiment":"positive","sentiment_score":0.6101522445678711},{"text":"Now it is still a non lapsing option, so that stays in place until you decide to change it, which is great. So no changes needed on that end. The last thing to kind of touch base on usually doing annual reviews, which is good to know, is just kind of goals, the stuff that you are working towards so that you are wanting to achieve. Now I know again that you kind of came back, so things are a little bit all over the shop at the moment, which is perfectly understandable. But when we spoke to you last time, your your focus in kind of, like, the medium term was to potentially build a yoga studio. Is that still something that you are kind of planning on Yeah. doing? Well, at Yeah. the moment, my one of the biggest goal is to be able to find an apartment so that I'm Yep. no longer renting. Yes. I I I I Yep. my that's my first thing. With the yoga Okay. business and my family growing, Yeah. I think that is something that I've sort of put to a little bit on this on the shelf for the moment. Mhmm. But the biggest thing is for me to find a an apartment for myself and my son Okay. so that Yep. we move out of rental. Yeah. Gave me a Yep. bit more security. And Yeah. do you have a mortgage broker? Have you ever spoken to a mortgage broker or No. anything? No. I haven't. No. I'm just waiting for my son's job to he's on probation at the moment, so that to Oh, finish yes. so that we can figure out what financials we have and Yep. what we can afford and things like that. Okay.","start_word":4850,"end_word":5148,"sentiment":"neutral","sentiment_score":0.03928215516400975},{"text":"Perfect.","start_word":5149,"end_word":5149,"sentiment":"positive","sentiment_score":0.5028718709945679},{"text":"And Yeah. if when when when time comes around to it, if you would like, just let us know because we have, some mortgage brokers that we work with very closely Yep. that would be happy to give you a call and do a bit of an assessment and seeing, you know, Sure. how much you could borrow and Sure. Sure. what Sure. that might look like. Okay. So if you do need that assistance, just just give us a call, and we're more than happy to, get them to reach out to you. Alright.","start_word":5150,"end_word":5244,"sentiment":"neutral","sentiment_score":0.22254444658756256},{"text":"Appreciate that. Thank you.","start_word":5245,"end_word":5248,"sentiment":"positive","sentiment_score":0.4683569669723511},{"text":"No. That's okay. Now that was basically everything that I kind of needed to touch on on my end. But do you Yep. have any other questions for me at this point? No. No. I Nope. think you pretty much answered a lot of my questions as we were Oh, con good. conversing and Yep. sort of I'm I'm okay with that. And I Okay. can't ask you anything till I've actually read stuff and find out what's going on, and then I can Yes. make it then I can have a further conversation with Decision. you. Yes. Yeah. Okay.","start_word":5249,"end_word":5348,"sentiment":"neutral","sentiment_score":0.03492686524987221},{"text":"Beautiful.","start_word":5349,"end_word":5349,"sentiment":"positive","sentiment_score":0.4236160516738891},{"text":"Okay? Now like I said, I will let the team know about the little glitch in IT. They will send you the documents tomorrow.","start_word":5350,"end_word":5373,"sentiment":"neutral","sentiment_score":0.07181655615568161},{"text":"Thank you.","start_word":5374,"end_word":5375,"sentiment":"positive","sentiment_score":0.3448019027709961},{"text":"Keep a lookout for your email. Take your time. Have a have a read over. Any questions, like I said, just send us an email, give me a call, and we can Yep. always go through them and take things from there.","start_word":5376,"end_word":5417,"sentiment":"neutral","sentiment_score":0.1647098958492279},{"text":"Awesome. Thanks. Yep. Sounds that sounds great. Thank you so much.","start_word":5418,"end_word":5428,"sentiment":"positive","sentiment_score":0.7478732466697693},{"text":"Mhmm. No Really problem appreciate at all.","start_word":5429,"end_word":5435,"sentiment":"neutral","sentiment_score":0.2568069100379944},{"text":"your call. I appreciate your time with me this afternoon as well, and I hope you enjoy the rest of your afternoon or Thank you very much.","start_word":5436,"end_word":5462,"sentiment":"positive","sentiment_score":0.6026211380958557},{"text":"Alright.","start_word":5463,"end_word":5463,"sentiment":"neutral","sentiment_score":0.2703925371170044},{"text":"evening. Thank you so much.","start_word":5464,"end_word":5468,"sentiment":"positive","sentiment_score":0.5998700261116028},{"text":"No worries.","start_word":5469,"end_word":5470,"sentiment":"neutral","sentiment_score":0.309162974357605},{"text":"Thanks.","start_word":5471,"end_word":5471,"sentiment":"positive","sentiment_score":0.48214659094810486},{"text":"We'll speak Talk soon. to you later. Bye. Bye.","start_word":5472,"end_word":5480,"sentiment":"neutral","sentiment_score":0.1440008133649826}],"average":{"sentiment":"neutral","sentiment_score":0.04452554770987491}}}}