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Is now still a good time for you? Yep. 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. That's all good, Matthew? Yep. No. That's all good. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me? Yep. Yep. Perfect. That's exactly what I have here. And how's your day been so far? I've been busy. Can you hear me okay? Yep. You've had a busy morning so far? Yeah. Yeah, no worries. I'll try to make it quick for you, though, so you can get back to it. But before I kind of jump into the interview, I do like to start by asking if there is anything specific you would like me to go over with you today or any specific questions or just a bit of a catch up and see where everything's at? That's it. Yep. Yes. Yeah. We can definitely talk about that today. So we can start there. So one of the things I did have actually through checking with you today was the beneficiary form, and that is for your Netwealth and your insurance. And that is for you to nominate someone in the event that something happens to you that you would like to receive those benefits. So do you have someone in mind that you would like to give it through? Yep. Yep. And how old are they? Okay. Yeah. Yeah. So for your super and your insurances on the form, you can definitely give it through your kids. Then, typically, you would have, like, a a guardianship or, like, do you have a will or anything like that in place? No. And then I would say the best way to be, like, in the will, you can then stipulate how you want all your other assets and if something were to happen to you, how it would go because it would also be, well, if something were to happen to you and it would go to your kids who would then have, like, responsibility for your kids, and then they could potentially so from that point of view, but from nominating an on super insurance, you can definitely give it to your kids. They are quite strict on who you can nominate directly, but a a spouse or a child is perfectly fine. That is a valid nomination. So for the forms itself, you can just put for your kids, and then I would kind of maybe speak to a lawyer or someone to get more kind of legal advice in regards to the other areas on guardianship and will and succession planning in that point of view to make sure that everything is in place from that point. Does that make sense, Matthew? Yep. Yep. Perfect. Now just for your reference as well, because your kids are 18, if something were to happen, they will receive the benefit tax free, which is great. If they are over 18, they can be taxed for up to 32%. There are some rules if they're, like, off studying or disabled or anything like that. Different rules do apply. But for the time being, if they're smaller, it will be tax free. Something would happen to that. Yeah. Yeah. Beautiful. Credit's a bit more protection from that point of view. So with the actual form, do you have access to a printer, or do you prefer things to be posted out, or do you have the copies at home? Yeah. Of course. Yeah. Yes. You can. Yep. Twenty one. Yep. Yep. One three. Yep. South what? Sorry? Yep. Perfect. And just the postcode for that as well? 2145. And that's New South Wales as well? Yep. Beautiful. Yep. We can definitely get those per would you like to change that for everything or just for these forms? Everything? You sure? Because yeah. Okay. We will change that for you. That is no problem. I will get the team to post out those forms for you. And then, yeah, I would suggest as well, especially with the the kids and succession planning and stuff, to maybe have a chat with a lawyer for specific legal advice in regards through through it. But for super insurance, you can definitely nominate your kids. That's no problem. So so we can definitely get that sorted anyway. Now what I might do is just to kind of run through a bit of an updated fact fund with you just to see if there's anything else that's changed in your life, if we need to make any changes to your advice. So just kind of bear with me as I go through this. Now when it comes to your personal information, I have you down here that you do have two financial dependents and that you are in a de facto relationship. Is that still the case? Yep. Perfect. I'll update that. Next of kin. So I know you mentioned that this is not anybody. That doesn't mean that they will go to them or anything. Next of kin is just an adult that we can call if for some reason we cannot get in touch with you at all. Yeah. Beautiful. And her name, please? Mary. Yep. Same last name as you? Yep. Perfect. And best contact number? Three zero. Yep. Five eight two. Beautiful. Yep. 890, did you say? Yep. Great. Perfect. And occupation wise, has any of that changed, or are you still working as a plant operator? Yep. Perfect. And what company do you work for? Perfect. And how long have you been there for? Oh, yeah. And do you like it? Yeah. Yeah. Just like a difference. Just a different company. Yeah. Yep. Per perfect. And working full time? Yes. Perfect. Now what's your income at the moment? Uh-huh. Yeah. Mhmm. Okay. So your base would range between 80 to $1.20, and then pending on overtime and, obviously, night shift and stuff, it could go up to $1.50. Was that correct? Yep. Okay. Perfect. Now employer contribution, do they pay you the standard 12% contribution, or is that, like, a special enterprise bargain agreement or anything in place or just, like, the standard rule? Just the standards. Yep. And do you know as well, because, obviously, things do fluctuate for you, do they pay it on, like, your base pay, or do they pay it on or, like, your full income? Yep. Yep. And and, typically, that is what that is the case that you would get paid on your base income. And then if you get bonuses or anything like that, it's typically paid on on top of that, but over time, tend not to be. So that unlock yeah. Yes. They probably would because that's still part of your standard. Yeah. No. That's all good. I'll just I can always check-in your account as well anyway to to add it all up. But, otherwise, you're not making any additional contributions. It's just that kinda from your employer. No. Perfect. And asset wise, I have here a personal loan about 8,000. Nope. Nope. Perfect. No liabilities either, like, personal loans, credit cards, ZipPay. Nope. Nope. Perfect. Health and lifestyle wise, are you a smoker or a nonsmoker? Nonsmoker. Yeah. Yeah. Oh, that's very good. A general health, would you say, do you have any significant health issues or injuries or anything? Or No. Perfect. And do you have private health insurance? Nope. Just for your reference as well, do you know about the medical levy search for high income earners? Yes. Okay. Perfect. No. I do this. Yeah. And it is. Yeah, yep, yep. And it is I do like to flag it because it depends on your income. Sometimes it's actually cheaper to get private health, not having to pay the additional tax, and you have it. But sometimes it's not, and you still have to pay extra. So it is good that you are aware of it. Otherwise, we've already touched on the state planning, but you don't have anyone who makes any financial decisions or anything like that for you or power of attorney or anything otherwise? That's okay. Sorry, Matthew. Can you still hear me? Yes. You don't have anyone who makes any financial decisions on your behalf or power of attorney? No. Not great. Perfect. All good. Now goals. So stuff that you are working towards or that you are wanting to achieve. Now I have here that last time we spoke to you, your main focus was through build up a bit of a saving and then long term potentially look at buying a property down the track. Is that still kind of Yep. Perfect. Yep. Yep. Yep. Mhmm. Yep. Yep. You can't use it for legal fees. The the only thing, typically, would be, like, if you are in a financial hardship situation where you are on. Yeah. Yeah. Well yeah. Yeah. That's that's a lot. Yeah. Yeah. Yeah. And and are you looking yeah. And are which is a lot. And are you looking at having to take out, like, some loans of some sort to fund that? Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yep. Yeah. Yep. By by the time it comes around yeah. Yeah. No. Unfortunately, not from that point of view. Like I said, yeah, the only way you can is, yeah, under financial hardship or compassionate ground. The compassionate ground is mainly, like, medical treatments and and stuff like that. Yeah. And, yeah, usually, you can't. I'll just triple check for you because, obviously, I'm New South for you, and we're up in in Queensland. But I don't think so because I've had clients before who's been in a similar situation as yourself, and it is a lot of fees with court cases, especially kids and stuff like that, which is a very tricky situation that, yeah, we we would not we were not able to get any money or anything out of super because of for that purposes. I'll just triple check it for you, though. And if it is that you need, like, a lender or anything to loan anything, just let me know because I can always get one of our lenders that we work with closely to give you a call to look at if you could get a loan or anything like that if you need to it. Yeah. Okay. Do they have some, like, payment plans or anything like that in place that they can assist with? Do you know? Yep. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Oh, that's horrible. Get that sorted. No. Now I don't know if this is going to be helpful for you, but I would be more than happy to, more cash flow budget wise to see if there's anything we can help you with. So I'll be more than happy to email you a cash flow and budget template. Now some mhmm. So sorry. Cash flow and budget. So that is for your personal expenses and savings and and stuff like that. If you wanted advice or guidance on, like, if there's anything I can do to help you from a spending saving point of view to tryna make you save quicker, if that is something you are interested in exploring. Okay. Okay. Yes. Okay. Bit of a and how do you know how much you have in there at the moment? Okay. Yeah. Oh, yeah. Yes. And do you have anything owing on the car, or did you pay that outright? Okay. Oh, that's good. Yeah. Like I said, if anything does change situation wise, sorry, and you do need, like, kind of, like, stock of, like, I need to save more, but I don't know how to do it because we are obviously, we do holistic advice. So if it is that you you are like, I need if there's anything I can do to try to save a bit quicker, like, cutting out expenses in some way or the other, just let me know because I'll be more than happy to email you a template for you to kind of put in your expenses and everything like that, and we can always run through that together to see if we can make any tweaks and changes on anything to help you save faster if you do need that assistance. So just let me know if if you do need that. Okay? Yep. Perfect. Now so, obviously, that's kind of a bit obviously going on for you, but is there any kind of other long term goals that you have or mainly just obviously focusing on saving now so you can get that sorted? Yeah. Yep. Yeah. Yeah. Yep. Four two one. Yeah. Yeah. Yeah. At least now with obviously not working working for someone as well and being a bit more consistent, hopefully, that will ease the the the the cash flow wise, especially if you're doing a lot of nights and stuff. Hopefully, that will help things further for you. But, yeah, like I said, if if you are struggling and there is anything else we can do cash flow budget wise, just let me know. Perfect. Now, otherwise, do you have access to your emails at the moment or a bit tricky when you're at work? Okay. Because what I have done is I have to send you an email with some documents to run through with you quickly. If you can get that up for me. Yep. Now we have recently changed the software as well, so it might look a little bit different to what you are used to. But it should allow you to open up the email and click on the link, and then you should have a couple of attachments before it asks you to sign anything. So let me know if you can see that okay. Mhmm. It hasn't come through yet? There's nothing in spam either? Okay. Let me see. Let me do let me try to resend this to you. Let me see if I can send it a different way because it should have come through by now. Still nothing? No? Alright. Let me try to send it from this other way and see if it works. If not, it could just be a little delay. And your email hasn't changed. It's still mazedammit84@Hotmail.com? Yep. Okay. Perfect. I'll just try to resend it to you and see. Are you happy for me to kind of go through the some of some of the information and hopefully come through in the meantime just so I don't keep you waiting too long? Yes? Yep. Alright. Perfect. Now when it does come through, let me know, but you basically have a super and insurance summary first. Now that just gives you a bit of breakdown of your current super and insurances. So it shows you that you have your super in net wealth. You do have a $135,224 in there, and then you also have some insurances with Neon. So you have life and total permanent disability insurance, and that is 343,667 if something were to happen to you. Now are you still happy with that level of cover for life and TPD if something were to happen? Yep. Sorry. 343,667. Correct. Plus your super of a 135,000. Let me alright. Let me truthful check this for you. Yeah. No. So what we have here is $343.06 $6.07. Now would you want to look at changing it or increasing it, or what are your thoughts? Okay. Okay. So it yeah. If anything so when your email does come through, you will have everything listed. So you also have it if you wanna go back at any point and have a look at it again. I've also included your certificate of currency, which breaks down your insurances in more detail. So you can have a look at that when you have a bit of a moment. And then, obviously, when things if things settle down a little bit for you and you would like to look at changing it, you can just give me a call whenever you want to. It doesn't have to be at under review time, and we can look at what would the cost be and how would things work if you wanted to change it. So just let me know if that's ever a situation, and then we can always review those insurances. Same for TPD. If anything changes, so that is if you are totally and permanently disabled and can't go back to work. Again, if anything does change, you have the same amount. If if it does change and you wanna increase that again, just let me know, and we can always look at that. Now because of your occupation as well-being a little bit riskier in the insurance mind, you have, a a ADL definition on the TPD. I'm not sure if you remember going through that with my colleague when you had the the cover set up. But, essentially, that's more like where you have to have a little bit stricter definition to me if something were to happen where you do have to meet, like, the the daily living activities. So you would have to prove that you can't, like, feed yourself or shower or or stuff like that in order to get paid out to the TPD. So, again, if anything changes and you wanna review it, let me know. But you also have an income protection policy, and that is paying so that is if you're just temporarily unable to work, and that will pay you a monthly amount of $5,102 per month. Okay? Now you have a ninety day waiting period. So that's how long you have to wait until you can start getting the benefit, and you have it for two years if something were to happen. All those three are paid from superannuation for you. You get a tax rebate. The total premium for all three is 2,512, and that comes just out of your superannuation. So, yeah, you don't have to pay for them out of pocket. Yep. Again, if anything changes when things are kind of settled down for you and you wanna look at it, by all means, just let me know, and we can always review that for you. Now that still hasn't come through to you, Matthew? And not in spam or anything either? No? It could just be a bit bit of a delay. It says here that it was sent on my end about twenty minutes ago. I've just resend it. So just keep a lookout. Nothing. Nope. That's okay. Okay. I'll keep a little lookout. And otherwise, when I get off the phone, I'll have a chat to IT and see if there's, like, a bug or something in in the back end as well. Sometimes it could be, like, service maybe where you are as well, potentially. But otherwise, when you do have a look at it, you will also see a performance report, and that just shows you your individual investment and how they have performed over the last twelve months. Now, obviously, the last twelve months, we've seen quite a bit of fluctuation in the market with everything going on. First, you had, obviously, everything in The US with Trump and tariffs and everything, and more recently, the war have seen a bit of kind of mixed results. So some areas have performed a lot stronger than others. Sorry. The strongest ones which you will see in that performance report, all the investments are outlined individually with the individual returns as well. So your kind of strongest performers were US shares did really well. You also had pretty good with your Japanese investment. Cybersecurity and gold benefited as well from that kind of ongoing global growth. Yeah. Mhmm. Yes. Yes. Yes. Yeah. And we have actually already made a change for you through the Australia. So when you do have a look at it, you will see that all your investments so individually, they did pretty good, but there was one which exactly you said that was underperforming a little bit, and that was your Benelon Australian equity. Now we obviously do a lot of research on your investments all the time. Sometimes it's just the nature of the market where things do fluctuate and go up and down, and you also wanna kind of avoid selling at the bottom if we foresee things coming back around that is just the nature of the investments as well. But with the Benelon investments, they have underperformed a bit recently, but they've also kind of a little bit slower in making the investment decision. And if we foresee that being another better option to change for you, then we wanna make sure we obviously stay on top of that. So on the March 12, you got an email from us, and it was not some not something you had to sign or anything, but it was just for your reference showing that we've done a lot of research on your investments, and the Benelon Australian was underperforming a little bit. And we changed it for a similar investment. So if we're taking out, obviously, your Australian equity, we wanted to look at replacing it with another Australian equity, but a little bit of a a better investment because we also wanna make sure you are very diversified. So we don't want everything in one section or one region. We wanna make sure it's very diversified, but at the same time, we also don't want you to be an investment option if it's not doing the best. So we changed it for one that was called a BetaShares Australia two hundred. So it is still investing in the Australian market, but it is very diversified because it invests in the 200 largest companies listed in Australia. So you have all your big banks and your your BHP, Woolworths, for example. So it's very diversified. And you will see as well moving forward that it'll be a little bit smoother because with Benelon, they are kind of actively buying and selling different investments in order to try to outperform the market. Whereas the BetaShares Australia 200, it focuses on just tracking the 200 largest. As the company grow, gets bigger, it gets added to the 200, and something gets smaller kind of comes out. So we have already made that switch for you back in March. So you should if you haven't seen it, you should see things kind of stabilize a little bit more from what it was we've been along, and then moving forward, put you in a little bit better position and smoother as well. But with your investments, so we currently have you invested in a high growth portfolio as well. So, obviously, in a high growth portfolio over the short term, you will see a bit of short term fluctuation. The goal is to try to grow that in the long term. So how typically your investments are invested in a high growth portfolio, which when you do get access to an email, you will see that I have included a Vanguard index chart in that, which kind of outlines it's just a good visual representation of what we are talking about when we're talking about the market, but it also outlines the individual asset classes so that you can see them. But, essentially, in a high growth portfolio, we see a 90% invested in what we would call your growth assets. So that would be things like Australian shares, international shares, property, and commodities, And that is what's going to maximize those returns for you long term. You still have plenty of time until retirement, so you can take advantage of those kind of short term fluctuations in order to grow that for your retirement. And we do see about 10% in your defensive. So, like, your cash, your gold you have in there as well, you're trying to limit and limit those fluctuations a little bit. Now when we're also then talking about a time frame, so making sure you have enough time in the market for those short term fluctuations in a high growth portfolio, we wanna allow at least eight years to retirement, which you certainly have behind So from a time frame point of view, you are in a good position being in a high growth, investments would maximize that growth for you as long as that is still something that you are comfortable with. Yes. Can you hear me? Yes. No. That's all good. So you're still kind of comfortable with that kind of high growth position for your investment? Yep. Beautiful. Now almost at the end there. Now the other documents you will see is you do have a it's just kind of another compliance form. It is an updated financial services guide. You would have seen this one before, but it is it's just good. It gives you all important information in regards to us here at Oakview. We've had a bit of an extension to the team, which is good, a bit of an updated marketing. But if you do have a bit of a read over it, you will actually see a photo of myself in there as well if you do wanna put a put a face to the voice and the rest of the team as well. Now it will just ask you to sign through documents if you're happy to do so as well, and that is your ongoing service agreement. And that is just to say that you are happy to stay on the asset client. Now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from super. So no changes in regards to that, and it is not a lock in contract. So if at any point in time, you are not happy, not a lock in contract for this essentially is a service to your account, your investments, and assurances, and everything for you in the meantime. And then the last one is another compliance form. It is just a tax file number form just to say we are keeping your tax file number secure and safe on file. Now that was essentially all those documents. Now I know sometimes it's a little bit tricky if you can't see it. So, hopefully, that comes through to you soon. When it does have a bit of a read over, if you have any questions, just let me know. Otherwise, if you're happy to do so, I will just need you to sign those through documents. You can do it all digitally, and then it will automatically send it back to me, and I will get that all uploaded for you. I will also update your postal address here and get the team to post out those beneficiary forms for your insurances for your shoe super and insurance. Now, Matthew, when it comes to, obviously, the legal side of it as well, do you have a good lawyer, or would you like me to get the team to send you, like, a firm that we work closely with if if you do need to talk to them a bit more on, like, the legal side with your kids and stuff like that. We've got oh, great. Okay. Perfect. No. That's really good. Now I hope everything does work out for you, obviously, with the kids and the court and everything and that it won't drag on too long. Like I said, if there's anything else that I can help you with with that, whether that be cash flow or or anything like that, or if it gets to a point where you are really, really struggling, just just let me know. Just give me a call, and I can always book you in for another catch up and see if there's, yeah, something we can do with your your income or cash wise to help you in any way. Yep. No problem. Well, I will let you go and do enjoy the rest of your day, Matthew. Like I said, keep a lookout for that email. Let me know how you go. And if there's anything else that you do need, don't hesitate to give me a call. No problem. Well, you enjoy the rest of your day, and I look forward to speaking with you soon again. You too. 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Oakview Financial? Good afternoon. Is this Matthew? This is Veronica from Oakview Financial. How are you?\n\nYeah. I'm good. I had you booked in to go over your annual review. Is now still a good time for you? Yep.\n\nPerfect. 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. That's all good, Matthew? Yep. No.\n\nThat's all good. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me? Yep. Yep. Perfect.\n\nThat's exactly what I have here. And how's your day been so far? I've been busy. Can you hear me okay? Yep.\n\nYou've had a busy morning so far? Yeah. Yeah, no worries. I'll try to make it quick for you, though, so you can get back to it. But before I kind of jump into the interview, I do like to start by asking if there is anything specific you would like me to go over with you today or any specific questions or just a bit of a catch up and see where everything's at?\n\nThat's it. Yep. Yes. Yeah. We can definitely talk about that today.\n\nSo we can start there. So one of the things I did have actually through checking with you today was the beneficiary form, and that is for your Netwealth and your insurance. And that is for you to nominate someone in the event that something happens to you that you would like to receive those benefits. So do you have someone in mind that you would like to give it through? Yep.\n\nYep. And how old are they? Okay. Yeah. Yeah.\n\nSo for your super and your insurances on the form, you can definitely give it through your kids. Then, typically, you would have, like, a a guardianship or, like, do you have a will or anything like that in place? No. And then I would say the best way to be, like, in the will, you can then stipulate how you want all your other assets and if something were to happen to you, how it would go because it would also be, well, if something were to happen to you and it would go to your kids who would then have, like, responsibility for your kids, and then they could potentially so from that point of view, but from nominating an on super insurance, you can definitely give it to your kids. They are quite strict on who you can nominate directly, but a a spouse or a child is perfectly fine.\n\nThat is a valid nomination. So for the forms itself, you can just put for your kids, and then I would kind of maybe speak to a lawyer or someone to get more kind of legal advice in regards to the other areas on guardianship and will and succession planning in that point of view to make sure that everything is in place from that point. Does that make sense, Matthew? Yep. Yep.\n\nPerfect. Now just for your reference as well, because your kids are 18, if something were to happen, they will receive the benefit tax free, which is great. If they are over 18, they can be taxed for up to 32%. There are some rules if they're, like, off studying or disabled or anything like that. Different rules do apply.\n\nBut for the time being, if they're smaller, it will be tax free. Something would happen to that. Yeah. Yeah. Beautiful.\n\nCredit's a bit more protection from that point of view. So with the actual form, do you have access to a printer, or do you prefer things to be posted out, or do you have the copies at home? Yeah. Of course. Yeah.\n\nYes. You can. Yep. Twenty one. Yep.\n\nYep. One three. Yep. South what? Sorry?\n\nYep. Perfect. And just the postcode for that as well? 2145. And that's New South Wales as well?\n\nYep. Beautiful. Yep. We can definitely get those per would you like to change that for everything or just for these forms? Everything?\n\nYou sure? Because yeah. Okay. We will change that for you. That is no problem.\n\nI will get the team to post out those forms for you. And then, yeah, I would suggest as well, especially with the the kids and succession planning and stuff, to maybe have a chat with a lawyer for specific legal advice in regards through through it. But for super insurance, you can definitely nominate your kids. That's no problem. So so we can definitely get that sorted anyway.\n\nNow what I might do is just to kind of run through a bit of an updated fact fund with you just to see if there's anything else that's changed in your life, if we need to make any changes to your advice. So just kind of bear with me as I go through this. Now when it comes to your personal information, I have you down here that you do have two financial dependents and that you are in a de facto relationship. Is that still the case? Yep.\n\nPerfect. I'll update that. Next of kin. So I know you mentioned that this is not anybody. That doesn't mean that they will go to them or anything.\n\nNext of kin is just an adult that we can call if for some reason we cannot get in touch with you at all. Yeah. Beautiful. And her name, please? Mary.\n\nYep. Same last name as you? Yep. Perfect. And best contact number?\n\nThree zero. Yep. Five eight two. Beautiful. Yep.\n\n890, did you say? Yep. Great. Perfect. And occupation wise, has any of that changed, or are you still working as a plant operator?\n\nYep. Perfect. And what company do you work for? Perfect. And how long have you been there for?\n\nOh, yeah. And do you like it? Yeah. Yeah. Just like a difference.\n\nJust a different company. Yeah. Yep. Per perfect. And working full time?\n\nYes. Perfect. Now what's your income at the moment? Uh-huh. Yeah.\n\nMhmm. Okay. So your base would range between 80 to $1.20, and then pending on overtime and, obviously, night shift and stuff, it could go up to $1.50. Was that correct? Yep.\n\nOkay. Perfect. Now employer contribution, do they pay you the standard 12% contribution, or is that, like, a special enterprise bargain agreement or anything in place or just, like, the standard rule? Just the standards. Yep.\n\nAnd do you know as well, because, obviously, things do fluctuate for you, do they pay it on, like, your base pay, or do they pay it on or, like, your full income? Yep. Yep. And and, typically, that is what that is the case that you would get paid on your base income. And then if you get bonuses or anything like that, it's typically paid on on top of that, but over time, tend not to be.\n\nSo that unlock yeah. Yes. They probably would because that's still part of your standard. Yeah. No.\n\nThat's all good. I'll just I can always check-in your account as well anyway to to add it all up. But, otherwise, you're not making any additional contributions. It's just that kinda from your employer. No.\n\nPerfect. And asset wise, I have here a personal loan about 8,000. Nope. Nope. Perfect.\n\nNo liabilities either, like, personal loans, credit cards, ZipPay. Nope. Nope. Perfect. Health and lifestyle wise, are you a smoker or a nonsmoker?\n\nNonsmoker. Yeah. Yeah. Oh, that's very good. A general health, would you say, do you have any significant health issues or injuries or anything?\n\nOr No. Perfect. And do you have private health insurance? Nope. Just for your reference as well, do you know about the medical levy search for high income earners?\n\nYes. Okay. Perfect. No. I do this.\n\nYeah. And it is. Yeah, yep, yep. And it is I do like to flag it because it depends on your income. Sometimes it's actually cheaper to get private health, not having to pay the additional tax, and you have it.\n\nBut sometimes it's not, and you still have to pay extra. So it is good that you are aware of it. Otherwise, we've already touched on the state planning, but you don't have anyone who makes any financial decisions or anything like that for you or power of attorney or anything otherwise? That's okay. Sorry, Matthew.\n\nCan you still hear me? Yes. You don't have anyone who makes any financial decisions on your behalf or power of attorney? No. Not great.\n\nPerfect. All good. Now goals. So stuff that you are working towards or that you are wanting to achieve. Now I have here that last time we spoke to you, your main focus was through build up a bit of a saving and then long term potentially look at buying a property down the track.\n\nIs that still kind of Yep. Perfect. Yep. Yep. Yep.\n\nMhmm. Yep. Yep. You can't use it for legal fees. The the only thing, typically, would be, like, if you are in a financial hardship situation where you are on.\n\nYeah. Yeah. Well yeah. Yeah. That's that's a lot.\n\nYeah. Yeah. Yeah. And and are you looking yeah. And are which is a lot.\n\nAnd are you looking at having to take out, like, some loans of some sort to fund that? Yeah. Yeah. Yep. Yeah.\n\nYeah. Yeah. Yep. Yeah. Yep.\n\nBy by the time it comes around yeah. Yeah. No. Unfortunately, not from that point of view. Like I said, yeah, the only way you can is, yeah, under financial hardship or compassionate ground.\n\nThe compassionate ground is mainly, like, medical treatments and and stuff like that. Yeah. And, yeah, usually, you can't. I'll just triple check for you because, obviously, I'm New South for you, and we're up in in Queensland. But I don't think so because I've had clients before who's been in a similar situation as yourself, and it is a lot of fees with court cases, especially kids and stuff like that, which is a very tricky situation that, yeah, we we would not we were not able to get any money or anything out of super because of for that purposes.\n\nI'll just triple check it for you, though. And if it is that you need, like, a lender or anything to loan anything, just let me know because I can always get one of our lenders that we work with closely to give you a call to look at if you could get a loan or anything like that if you need to it. Yeah. Okay. Do they have some, like, payment plans or anything like that in place that they can assist with?\n\nDo you know? Yep. Yeah. Yep. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Oh, that's horrible.\n\nGet that sorted. No. Now I don't know if this is going to be helpful for you, but I would be more than happy to, more cash flow budget wise to see if there's anything we can help you with. So I'll be more than happy to email you a cash flow and budget template. Now some mhmm.\n\nSo sorry. Cash flow and budget. So that is for your personal expenses and savings and and stuff like that. If you wanted advice or guidance on, like, if there's anything I can do to help you from a spending saving point of view to tryna make you save quicker, if that is something you are interested in exploring. Okay.\n\nOkay. Yes. Okay. Bit of a and how do you know how much you have in there at the moment? Okay.\n\nYeah. Oh, yeah. Yes. And do you have anything owing on the car, or did you pay that outright? Okay.\n\nOh, that's good. Yeah. Like I said, if anything does change situation wise, sorry, and you do need, like, kind of, like, stock of, like, I need to save more, but I don't know how to do it because we are obviously, we do holistic advice. So if it is that you you are like, I need if there's anything I can do to try to save a bit quicker, like, cutting out expenses in some way or the other, just let me know because I'll be more than happy to email you a template for you to kind of put in your expenses and everything like that, and we can always run through that together to see if we can make any tweaks and changes on anything to help you save faster if you do need that assistance. So just let me know if if you do need that.\n\nOkay? Yep. Perfect. Now so, obviously, that's kind of a bit obviously going on for you, but is there any kind of other long term goals that you have or mainly just obviously focusing on saving now so you can get that sorted? Yeah.\n\nYep. Yeah. Yeah. Yep. Four two one.\n\nYeah. Yeah. Yeah. At least now with obviously not working working for someone as well and being a bit more consistent, hopefully, that will ease the the the the cash flow wise, especially if you're doing a lot of nights and stuff. Hopefully, that will help things further for you.\n\nBut, yeah, like I said, if if you are struggling and there is anything else we can do cash flow budget wise, just let me know. Perfect. Now, otherwise, do you have access to your emails at the moment or a bit tricky when you're at work? Okay. Because what I have done is I have to send you an email with some documents to run through with you quickly.\n\nIf you can get that up for me. Yep. Now we have recently changed the software as well, so it might look a little bit different to what you are used to. But it should allow you to open up the email and click on the link, and then you should have a couple of attachments before it asks you to sign anything. So let me know if you can see that okay.\n\nMhmm. It hasn't come through yet? There's nothing in spam either? Okay. Let me see.\n\nLet me do let me try to resend this to you. Let me see if I can send it a different way because it should have come through by now. Still nothing? No? Alright.\n\nLet me try to send it from this other way and see if it works. If not, it could just be a little delay. And your email hasn't changed. It's still mazedammit84@Hotmail.com? Yep.\n\nOkay. Perfect. I'll just try to resend it to you and see. Are you happy for me to kind of go through the some of some of the information and hopefully come through in the meantime just so I don't keep you waiting too long? Yes?\n\nYep. Alright. Perfect. Now when it does come through, let me know, but you basically have a super and insurance summary first. Now that just gives you a bit of breakdown of your current super and insurances.\n\nSo it shows you that you have your super in net wealth. You do have a $135,224 in there, and then you also have some insurances with Neon. So you have life and total permanent disability insurance, and that is 343,667 if something were to happen to you. Now are you still happy with that level of cover for life and TPD if something were to happen? Yep.\n\nSorry. 343,667. Correct. Plus your super of a 135,000. Let me alright.\n\nLet me truthful check this for you. Yeah. No. So what we have here is $343.06 $6.07. Now would you want to look at changing it or increasing it, or what are your thoughts?\n\nOkay. Okay. So it yeah. If anything so when your email does come through, you will have everything listed. So you also have it if you wanna go back at any point and have a look at it again.\n\nI've also included your certificate of currency, which breaks down your insurances in more detail. So you can have a look at that when you have a bit of a moment. And then, obviously, when things if things settle down a little bit for you and you would like to look at changing it, you can just give me a call whenever you want to. It doesn't have to be at under review time, and we can look at what would the cost be and how would things work if you wanted to change it. So just let me know if that's ever a situation, and then we can always review those insurances.\n\nSame for TPD. If anything changes, so that is if you are totally and permanently disabled and can't go back to work. Again, if anything does change, you have the same amount. If if it does change and you wanna increase that again, just let me know, and we can always look at that. Now because of your occupation as well-being a little bit riskier in the insurance mind, you have, a a ADL definition on the TPD.\n\nI'm not sure if you remember going through that with my colleague when you had the the cover set up. But, essentially, that's more like where you have to have a little bit stricter definition to me if something were to happen where you do have to meet, like, the the daily living activities. So you would have to prove that you can't, like, feed yourself or shower or or stuff like that in order to get paid out to the TPD. So, again, if anything changes and you wanna review it, let me know. But you also have an income protection policy, and that is paying so that is if you're just temporarily unable to work, and that will pay you a monthly amount of $5,102 per month.\n\nOkay? Now you have a ninety day waiting period. So that's how long you have to wait until you can start getting the benefit, and you have it for two years if something were to happen. All those three are paid from superannuation for you. You get a tax rebate.\n\nThe total premium for all three is 2,512, and that comes just out of your superannuation. So, yeah, you don't have to pay for them out of pocket. Yep. Again, if anything changes when things are kind of settled down for you and you wanna look at it, by all means, just let me know, and we can always review that for you. Now that still hasn't come through to you, Matthew?\n\nAnd not in spam or anything either? No? It could just be a bit bit of a delay. It says here that it was sent on my end about twenty minutes ago. I've just resend it.\n\nSo just keep a lookout. Nothing. Nope. That's okay. Okay.\n\nI'll keep a little lookout. And otherwise, when I get off the phone, I'll have a chat to IT and see if there's, like, a bug or something in in the back end as well. Sometimes it could be, like, service maybe where you are as well, potentially. But otherwise, when you do have a look at it, you will also see a performance report, and that just shows you your individual investment and how they have performed over the last twelve months. Now, obviously, the last twelve months, we've seen quite a bit of fluctuation in the market with everything going on.\n\nFirst, you had, obviously, everything in The US with Trump and tariffs and everything, and more recently, the war have seen a bit of kind of mixed results. So some areas have performed a lot stronger than others. Sorry. The strongest ones which you will see in that performance report, all the investments are outlined individually with the individual returns as well. So your kind of strongest performers were US shares did really well.\n\nYou also had pretty good with your Japanese investment. Cybersecurity and gold benefited as well from that kind of ongoing global growth. Yeah. Mhmm. Yes.\n\nYes. Yes. Yeah. And we have actually already made a change for you through the Australia. So when you do have a look at it, you will see that all your investments so individually, they did pretty good, but there was one which exactly you said that was underperforming a little bit, and that was your Benelon Australian equity.\n\nNow we obviously do a lot of research on your investments all the time. Sometimes it's just the nature of the market where things do fluctuate and go up and down, and you also wanna kind of avoid selling at the bottom if we foresee things coming back around that is just the nature of the investments as well. But with the Benelon investments, they have underperformed a bit recently, but they've also kind of a little bit slower in making the investment decision. And if we foresee that being another better option to change for you, then we wanna make sure we obviously stay on top of that. So on the March 12, you got an email from us, and it was not some not something you had to sign or anything, but it was just for your reference showing that we've done a lot of research on your investments, and the Benelon Australian was underperforming a little bit.\n\nAnd we changed it for a similar investment. So if we're taking out, obviously, your Australian equity, we wanted to look at replacing it with another Australian equity, but a little bit of a a better investment because we also wanna make sure you are very diversified. So we don't want everything in one section or one region. We wanna make sure it's very diversified, but at the same time, we also don't want you to be an investment option if it's not doing the best. So we changed it for one that was called a BetaShares Australia two hundred.\n\nSo it is still investing in the Australian market, but it is very diversified because it invests in the 200 largest companies listed in Australia. So you have all your big banks and your your BHP, Woolworths, for example. So it's very diversified. And you will see as well moving forward that it'll be a little bit smoother because with Benelon, they are kind of actively buying and selling different investments in order to try to outperform the market. Whereas the BetaShares Australia 200, it focuses on just tracking the 200 largest.\n\nAs the company grow, gets bigger, it gets added to the 200, and something gets smaller kind of comes out. So we have already made that switch for you back in March. So you should if you haven't seen it, you should see things kind of stabilize a little bit more from what it was we've been along, and then moving forward, put you in a little bit better position and smoother as well. But with your investments, so we currently have you invested in a high growth portfolio as well. So, obviously, in a high growth portfolio over the short term, you will see a bit of short term fluctuation.\n\nThe goal is to try to grow that in the long term. So how typically your investments are invested in a high growth portfolio, which when you do get access to an email, you will see that I have included a Vanguard index chart in that, which kind of outlines it's just a good visual representation of what we are talking about when we're talking about the market, but it also outlines the individual asset classes so that you can see them. But, essentially, in a high growth portfolio, we see a 90% invested in what we would call your growth assets. So that would be things like Australian shares, international shares, property, and commodities, And that is what's going to maximize those returns for you long term. You still have plenty of time until retirement, so you can take advantage of those kind of short term fluctuations in order to grow that for your retirement.\n\nAnd we do see about 10% in your defensive. So, like, your cash, your gold you have in there as well, you're trying to limit and limit those fluctuations a little bit. Now when we're also then talking about a time frame, so making sure you have enough time in the market for those short term fluctuations in a high growth portfolio, we wanna allow at least eight years to retirement, which you certainly have behind So from a time frame point of view, you are in a good position being in a high growth, investments would maximize that growth for you as long as that is still something that you are comfortable with. Yes. Can you hear me?\n\nYes. No. That's all good. So you're still kind of comfortable with that kind of high growth position for your investment? Yep.\n\nBeautiful. Now almost at the end there. Now the other documents you will see is you do have a it's just kind of another compliance form. It is an updated financial services guide. You would have seen this one before, but it is it's just good.\n\nIt gives you all important information in regards to us here at Oakview. We've had a bit of an extension to the team, which is good, a bit of an updated marketing. But if you do have a bit of a read over it, you will actually see a photo of myself in there as well if you do wanna put a put a face to the voice and the rest of the team as well. Now it will just ask you to sign through documents if you're happy to do so as well, and that is your ongoing service agreement. And that is just to say that you are happy to stay on the asset client.\n\nNow there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from super. So no changes in regards to that, and it is not a lock in contract. So if at any point in time, you are not happy, not a lock in contract for this essentially is a service to your account, your investments, and assurances, and everything for you in the meantime. And then the last one is another compliance form. It is just a tax file number form just to say we are keeping your tax file number secure and safe on file.\n\nNow that was essentially all those documents. Now I know sometimes it's a little bit tricky if you can't see it. So, hopefully, that comes through to you soon. When it does have a bit of a read over, if you have any questions, just let me know. Otherwise, if you're happy to do so, I will just need you to sign those through documents.\n\nYou can do it all digitally, and then it will automatically send it back to me, and I will get that all uploaded for you. I will also update your postal address here and get the team to post out those beneficiary forms for your insurances for your shoe super and insurance. Now, Matthew, when it comes to, obviously, the legal side of it as well, do you have a good lawyer, or would you like me to get the team to send you, like, a firm that we work closely with if if you do need to talk to them a bit more on, like, the legal side with your kids and stuff like that. We've got oh, great. Okay.\n\nPerfect. No. That's really good. Now I hope everything does work out for you, obviously, with the kids and the court and everything and that it won't drag on too long. Like I said, if there's anything else that I can help you with with that, whether that be cash flow or or anything like that, or if it gets to a point where you are really, really struggling, just just let me know.\n\nJust give me a call, and I can always book you in for another catch up and see if there's, yeah, something we can do with your your income or cash wise to help you in any way. Yep. No problem. Well, I will let you go and do enjoy the rest of your day, Matthew. Like I said, keep a lookout for that email.\n\nLet me know how you go. And if there's anything else that you do need, don't hesitate to give me a call. No problem. Well, you enjoy the rest of your day, and I look forward to speaking with you soon again. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Veronica, Oakview Financial?","start":5.44,"end":7.22,"sentiment":"neutral","sentiment_score":0.014564737367133299},{"text":"Good afternoon.","start":9.599999,"end":10.32,"sentiment":"neutral","sentiment_score":0.22573163360357285},{"text":"Is this Matthew?","start":10.32,"end":11.139999,"sentiment":"neutral","sentiment_score":0.10817742844422658},{"text":"This is Veronica from Oakview Financial.","start":12.575001,"end":14.735001,"sentiment":"neutral","sentiment_score":0.1024271696805954},{"text":"How are you?","start":14.735001,"end":15.555,"sentiment":"neutral","sentiment_score":0.1382134606440862}],"sentiment":"neutral","sentiment_score":0.10875842145041507,"num_words":17,"start":5.44,"end":15.555},{"sentences":[{"text":"Yeah.","start":17.135,"end":17.455,"sentiment":"positive","sentiment_score":0.427188515663147},{"text":"I'm good.","start":17.455,"end":18.195,"sentiment":"positive","sentiment_score":0.47260046005249023},{"text":"I had you booked in to go over your annual review.","start":19.135,"end":21.535,"sentiment":"neutral","sentiment_score":0.15836519680239938},{"text":"Is now still a good time for you?","start":21.535,"end":23.235,"sentiment":"neutral","sentiment_score":0.2301687579602003},{"text":"Yep.","start":24.35,"end":24.83,"sentiment":"neutral","sentiment_score":0.13533926010131836}],"sentiment":"neutral","sentiment_score":0.22135199671206268,"num_words":23,"start":17.135,"end":24.83},{"sentences":[{"text":"Perfect.","start":24.83,"end":25.33,"sentiment":"positive","sentiment_score":0.3612232804298401},{"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.","start":26.03,"end":33.57,"sentiment":"neutral","sentiment_score":0.06655513392440204},{"text":"That's all good, Matthew?","start":37.565,"end":38.625,"sentiment":"neutral","sentiment_score":0.30828961730003357},{"text":"Yep.","start":39.964996,"end":40.284996,"sentiment":"neutral","sentiment_score":0.0580250546336174},{"text":"No.","start":40.284996,"end":40.524998,"sentiment":"neutral","sentiment_score":0.06375344842672348}],"sentiment":"neutral","sentiment_score":0.10128497601383263,"num_words":36,"start":24.83,"end":40.524998},{"sentences":[{"text":"That's all good.","start":40.524998,"end":41.585,"sentiment":"neutral","sentiment_score":0.25118060410022736},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me?","start":42.204998,"end":51.09,"sentiment":"neutral","sentiment_score":0.059650050301570445},{"text":"Yep.","start":54.69,"end":55.19,"sentiment":"neutral","sentiment_score":0.023837532848119736},{"text":"Yep.","start":57.33,"end":57.73,"sentiment":"neutral","sentiment_score":0.1247292011976242},{"text":"Perfect.","start":57.73,"end":58.21,"sentiment":"positive","sentiment_score":0.4249839782714844}],"sentiment":"neutral","sentiment_score":0.08515510879653065,"num_words":38,"start":40.524998,"end":58.21},{"sentences":[{"text":"That's exactly what I have here.","start":58.21,"end":59.65,"sentiment":"positive","sentiment_score":0.4694427400827408},{"text":"And how's your day been so far?","start":59.65,"end":61.0,"sentiment":"neutral","sentiment_score":0.13340474771601812},{"text":"I've been busy.","start":61.0,"end":61.989998,"sentiment":"neutral","sentiment_score":-0.07948265100518863},{"text":"Can you hear me okay?","start":66.225,"end":67.445,"sentiment":"neutral","sentiment_score":-0.040299877896904944},{"text":"Yep.","start":69.025,"end":69.525,"sentiment":"neutral","sentiment_score":0.007196465041488409}],"sentiment":"neutral","sentiment_score":0.1508063089568168,"num_words":22,"start":58.21,"end":69.525},{"sentences":[{"text":"You've had a busy morning so far?","start":70.225,"end":72.085,"sentiment":"neutral","sentiment_score":-0.010985664624188627},{"text":"Yeah.","start":73.985,"end":74.485,"sentiment":"neutral","sentiment_score":0.04106014966964722},{"text":"Yeah, no worries.","start":77.03999,"end":77.759995,"sentiment":"neutral","sentiment_score":0.08248380819956462},{"text":"I'll try to make it quick for you, though, so you can get back to it.","start":77.759995,"end":80.899994,"sentiment":"neutral","sentiment_score":0.15517312288284302},{"text":"But before I kind of jump into the interview, I do like to start by asking if there is anything specific you would like me to go over with you today or any specific questions or just a bit of a catch up and see where everything's at?","start":82.0,"end":93.744995,"sentiment":"neutral","sentiment_score":0.074129034144183}],"sentiment":"neutral","sentiment_score":0.08336767369260391,"num_words":75,"start":70.225,"end":93.744995},{"sentences":[{"text":"That's it.","start":105.899994,"end":106.619995,"sentiment":"neutral","sentiment_score":-0.007209347095340491},{"text":"Yep.","start":106.619995,"end":107.119995,"sentiment":"neutral","sentiment_score":0.02475037053227425},{"text":"Yes.","start":109.42,"end":109.92,"sentiment":"neutral","sentiment_score":0.03231799602508545},{"text":"Yeah.","start":113.354996,"end":113.674995,"sentiment":"neutral","sentiment_score":0.20147675275802612},{"text":"We can definitely talk about that today.","start":113.674995,"end":115.454994,"sentiment":"neutral","sentiment_score":0.22489465134484427}],"sentiment":"neutral","sentiment_score":0.1515324153782179,"num_words":12,"start":105.899994,"end":115.454994},{"sentences":[{"text":"So we can start there.","start":117.034996,"end":118.314995,"sentiment":"neutral","sentiment_score":0.06248582527041435},{"text":"So one of the things I did have actually through checking with you today was the beneficiary form, and that is for your Netwealth and your insurance.","start":118.314995,"end":126.494995,"sentiment":"neutral","sentiment_score":0.2165687241488033},{"text":"And that is for you to nominate someone in the event that something happens to you that you would like to receive those benefits.","start":127.86,"end":134.92,"sentiment":"neutral","sentiment_score":0.25385990738868713},{"text":"So do you have someone in mind that you would like to give it through?","start":135.7,"end":140.76,"sentiment":"neutral","sentiment_score":0.11138842354218165},{"text":"Yep.","start":142.375,"end":142.875,"sentiment":"neutral","sentiment_score":0.20080392062664032}],"sentiment":"neutral","sentiment_score":0.1961673990202447,"num_words":72,"start":117.034996,"end":142.875},{"sentences":[{"text":"Yep.","start":144.295,"end":144.795,"sentiment":"neutral","sentiment_score":0.08480393886566162},{"text":"And how old are they?","start":145.015,"end":146.795,"sentiment":"neutral","sentiment_score":-0.0026314333081245422},{"text":"Okay.","start":148.855,"end":149.355,"sentiment":"neutral","sentiment_score":0.01839100942015648},{"text":"Yeah.","start":150.855,"end":151.355,"sentiment":"neutral","sentiment_score":0.05789586529135704},{"text":"Yeah.","start":155.59,"end":156.06999,"sentiment":"neutral","sentiment_score":0.2700257897377014}],"sentiment":"neutral","sentiment_score":0.04643993741936154,"num_words":9,"start":144.295,"end":156.06999},{"sentences":[{"text":"So for your super and your insurances on the form, you can definitely give it through your kids.","start":156.06999,"end":161.85,"sentiment":"positive","sentiment_score":0.4773966487911012},{"text":"Then, typically, you would have, like, a a guardianship or, like, do you have a will or anything like that in place?","start":162.63,"end":169.745,"sentiment":"neutral","sentiment_score":0.04271072030744769},{"text":"No.","start":171.805,"end":172.305,"sentiment":"neutral","sentiment_score":-0.11134710907936096},{"text":"And then I would say the best way to be, like, in the will, you can then stipulate how you want all your other assets and if something were to happen to you, how it would go because it would also be, well, if something were to happen to you and it would go to your kids who would then have, like, responsibility for your kids, and then they could potentially so from that point of view, but from nominating an on super insurance, you can definitely give it to your kids.","start":172.44499,"end":203.44499,"sentiment":"neutral","sentiment_score":0.08879901223775485},{"text":"They are quite strict on who you can nominate directly, but a a spouse or a child is perfectly fine.","start":203.44499,"end":209.845,"sentiment":"neutral","sentiment_score":0.20239552184939386}],"sentiment":"neutral","sentiment_score":0.14143037894631133,"num_words":153,"start":156.06999,"end":209.845},{"sentences":[{"text":"That is a valid nomination.","start":209.845,"end":211.065,"sentiment":"positive","sentiment_score":0.44108736515045166},{"text":"So for the forms itself, you can just put for your kids, and then I would kind of maybe speak to a lawyer or someone to get more kind of legal advice in regards to the other areas on guardianship and will and succession planning in that point of view to make sure that everything is in place from that point.","start":211.285,"end":233.045,"sentiment":"neutral","sentiment_score":0.20304658557059335},{"text":"Does that make sense, Matthew?","start":234.625,"end":236.005,"sentiment":"neutral","sentiment_score":0.13979598581790925},{"text":"Yep.","start":236.72,"end":237.12001,"sentiment":"neutral","sentiment_score":0.2019023150205612},{"text":"Yep.","start":237.12001,"end":237.6,"sentiment":"neutral","sentiment_score":0.2477635145187378}],"sentiment":"neutral","sentiment_score":0.21561540142722327,"num_words":73,"start":209.845,"end":237.6},{"sentences":[{"text":"Perfect.","start":237.6,"end":238.1,"sentiment":"neutral","sentiment_score":0.31696009635925293},{"text":"Now just for your reference as well, because your kids are 18, if something were to happen, they will receive the benefit tax free, which is great.","start":238.64,"end":247.14,"sentiment":"neutral","sentiment_score":0.30780072620621435},{"text":"If they are over 18, they can be taxed for up to 32%.","start":247.68001,"end":254.625,"sentiment":"neutral","sentiment_score":0.3207375269669753},{"text":"There are some rules if they're, like, off studying or disabled or anything like that.","start":255.08499,"end":259.965,"sentiment":"neutral","sentiment_score":0.05670465926329295},{"text":"Different rules do apply.","start":259.965,"end":261.425,"sentiment":"neutral","sentiment_score":0.023658044636249542}],"sentiment":"neutral","sentiment_score":0.2290394936998685,"num_words":60,"start":237.6,"end":261.425},{"sentences":[{"text":"But for the time being, if they're smaller, it will be tax free.","start":261.485,"end":264.125,"sentiment":"neutral","sentiment_score":0.110060805025009},{"text":"Something would happen to that.","start":264.125,"end":265.38,"sentiment":"neutral","sentiment_score":0.007827790826559067},{"text":"Yeah.","start":270.74,"end":271.06,"sentiment":"neutral","sentiment_score":0.09775032103061676},{"text":"Yeah.","start":271.06,"end":271.46,"sentiment":"neutral","sentiment_score":0.2054394483566284},{"text":"Beautiful.","start":271.46,"end":271.96,"sentiment":"positive","sentiment_score":0.5778516530990601}],"sentiment":"neutral","sentiment_score":0.11195099247353417,"num_words":21,"start":261.485,"end":271.96},{"sentences":[{"text":"Credit's a bit more protection from that point of view.","start":272.66,"end":275.14,"sentiment":"positive","sentiment_score":0.40792197585105894},{"text":"So with the actual form, do you have access to a printer, or do you prefer things to be posted out, or do you have the copies at home?","start":275.14,"end":284.485,"sentiment":"neutral","sentiment_score":0.07325201288893304},{"text":"Yeah.","start":285.025,"end":285.345,"sentiment":"neutral","sentiment_score":0.027836047112941745},{"text":"Of course.","start":285.345,"end":286.085,"sentiment":"neutral","sentiment_score":0.030983874574303627},{"text":"Yeah.","start":286.545,"end":287.045,"sentiment":"neutral","sentiment_score":0.028688497841358185}],"sentiment":"neutral","sentiment_score":0.1470237308463385,"num_words":43,"start":272.66,"end":287.045},{"sentences":[{"text":"Yes.","start":291.2,"end":291.6,"sentiment":"neutral","sentiment_score":0.04505068063735962},{"text":"You can.","start":291.6,"end":292.32,"sentiment":"neutral","sentiment_score":0.04189656488597393},{"text":"Yep.","start":292.32,"end":292.82,"sentiment":"neutral","sentiment_score":0.03857725113630295},{"text":"Twenty 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well?","start":325.87003,"end":327.81,"sentiment":"neutral","sentiment_score":0.020877441657441004}],"sentiment":"neutral","sentiment_score":0.06435942618797223,"num_words":18,"start":312.815,"end":327.81},{"sentences":[{"text":"Yep.","start":329.185,"end":329.685,"sentiment":"neutral","sentiment_score":0.09728789329528809},{"text":"Beautiful.","start":329.98502,"end":330.48502,"sentiment":"neutral","sentiment_score":0.3026388883590698},{"text":"Yep.","start":330.86502,"end":331.185,"sentiment":"neutral","sentiment_score":0.17298859357833862},{"text":"We can definitely get those per would you like to change that for everything or just for these forms?","start":331.185,"end":335.845,"sentiment":"neutral","sentiment_score":0.14417918732291773},{"text":"Everything?","start":338.065,"end":338.565,"sentiment":"neutral","sentiment_score":0.061974212527275085}],"sentiment":"neutral","sentiment_score":0.1467084411693656,"num_words":23,"start":329.185,"end":338.565},{"sentences":[{"text":"You sure?","start":341.68,"end":342.16,"sentiment":"neutral","sentiment_score":0.13276062905788422},{"text":"Because yeah.","start":342.16,"end":343.84,"sentiment":"neutral","sentiment_score":0.1342325322329998},{"text":"Okay.","start":343.84,"end":344.34,"sentiment":"neutral","sentiment_score":0.17414602637290957},{"text":"We will change that for you.","start":345.19998,"end":347.69998,"sentiment":"neutral","sentiment_score":0.25439084817965824},{"text":"That is no problem.","start":349.12,"end":350.16,"sentiment":"positive","sentiment_score":0.35763416439294815}],"sentiment":"neutral","sentiment_score":0.24433427304029465,"num_words":15,"start":341.68,"end":350.16},{"sentences":[{"text":"I will get the team to post out those forms for you.","start":350.16,"end":353.19998,"sentiment":"neutral","sentiment_score":0.31043848767876625},{"text":"And then, yeah, I would suggest as well, especially with the the kids and succession planning and stuff, to maybe have a chat with a lawyer for specific legal advice in regards through through it.","start":353.19998,"end":367.41,"sentiment":"neutral","sentiment_score":0.18633034569876536},{"text":"But for super insurance, you can definitely nominate your kids.","start":367.65,"end":370.29,"sentiment":"positive","sentiment_score":0.6175823330879211},{"text":"That's no problem.","start":370.29,"end":371.27,"sentiment":"positive","sentiment_score":0.6864094138145447},{"text":"So so we can definitely get that sorted anyway.","start":372.21,"end":374.63,"sentiment":"positive","sentiment_score":0.7193357215987312}],"sentiment":"positive","sentiment_score":0.36167966693207837,"num_words":69,"start":350.16,"end":374.63},{"sentences":[{"text":"Now what I might do is just to kind of run through a bit of an updated fact fund with you just to see if there's anything else that's changed in your life, if we need to make any changes to your advice.","start":376.21,"end":386.115,"sentiment":"neutral","sentiment_score":0.1237349123802296},{"text":"So just kind of bear with me as I go through this.","start":386.735,"end":390.03497,"sentiment":"neutral","sentiment_score":0.07244506074736516},{"text":"Now when it comes to your personal information, I have you down here that you do have two financial dependents and that you are in a de facto relationship.","start":390.335,"end":399.78,"sentiment":"neutral","sentiment_score":0.006035633834785429},{"text":"Is that still the case?","start":399.91998,"end":401.3,"sentiment":"neutral","sentiment_score":-0.012471534870564937},{"text":"Yep.","start":404.8,"end":405.3,"sentiment":"neutral","sentiment_score":0.07418256998062134}],"sentiment":"neutral","sentiment_score":0.0708533359794981,"num_words":90,"start":376.21,"end":405.3},{"sentences":[{"text":"Perfect.","start":405.36,"end":405.86,"sentiment":"neutral","sentiment_score":0.2138257622718811},{"text":"I'll update 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correct?","start":544.675,"end":545.495,"sentiment":"neutral","sentiment_score":0.0524956447382768},{"text":"Yep.","start":546.195,"end":546.675,"sentiment":"neutral","sentiment_score":0.13375645875930786}],"sentiment":"neutral","sentiment_score":0.03974531960557215,"num_words":32,"start":522.51,"end":546.675},{"sentences":[{"text":"Okay.","start":546.675,"end":547.155,"sentiment":"neutral","sentiment_score":0.2369118630886078},{"text":"Perfect.","start":547.155,"end":547.655,"sentiment":"neutral","sentiment_score":0.31723344326019287},{"text":"Now employer contribution, do they pay you the standard 12% contribution, or is that, like, a special enterprise bargain agreement or anything in place or just, like, the standard rule?","start":549.395,"end":559.93,"sentiment":"neutral","sentiment_score":0.02556650886933009},{"text":"Just the 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anything?","start":657.135,"end":661.88,"sentiment":"neutral","sentiment_score":-0.013966729864478111}],"sentiment":"neutral","sentiment_score":0.020370093096668523,"num_words":24,"start":649.695,"end":661.88},{"sentences":[{"text":"Or No.","start":661.94,"end":663.72,"sentiment":"neutral","sentiment_score":-0.012016057968139648},{"text":"Perfect.","start":663.86,"end":664.36,"sentiment":"neutral","sentiment_score":0.08698533475399017},{"text":"And do you have private health insurance?","start":664.42,"end":666.2,"sentiment":"neutral","sentiment_score":-0.005800573155283928},{"text":"Nope.","start":667.94,"end":668.44,"sentiment":"neutral","sentiment_score":-0.06068172678351402},{"text":"Just for your reference as well, do you know about the medical levy search for high income earners?","start":671.86,"end":678.515,"sentiment":"neutral","sentiment_score":-0.022118578664958477}],"sentiment":"neutral","sentiment_score":-0.015050584000760111,"num_words":29,"start":661.94,"end":678.515},{"sentences":[{"text":"Yes.","start":679.935,"end":680.255,"sentiment":"neutral","sentiment_score":0.02889727428555489},{"text":"Okay.","start":680.255,"end":680.755,"sentiment":"neutral","sentiment_score":0.0488751083612442},{"text":"Perfect.","start":680.815,"end":681.315,"sentiment":"neutral","sentiment_score":0.23305076360702515},{"text":"No.","start":681.375,"end":681.53503,"sentiment":"neutral","sentiment_score":0.02537604048848152},{"text":"I do this.","start":681.53503,"end":682.435,"sentiment":"neutral","sentiment_score":0.05444813395539919}],"sentiment":"neutral","sentiment_score":0.07136336980121476,"num_words":7,"start":679.935,"end":682.435},{"sentences":[{"text":"Yeah.","start":683.455,"end":683.955,"sentiment":"neutral","sentiment_score":0.05627220869064331},{"text":"And it is.","start":684.575,"end":685.875,"sentiment":"neutral","sentiment_score":0.05963680396477381},{"text":"Yeah, yep, yep.","start":686.9,"end":696.2,"sentiment":"neutral","sentiment_score":-0.04991143631438414},{"text":"And it is I do like to flag it because it depends on your income.","start":696.26,"end":699.7,"sentiment":"neutral","sentiment_score":-0.028803839534521102},{"text":"Sometimes it's actually cheaper to get private health, not having to pay the additional tax, and you have it.","start":699.7,"end":704.075,"sentiment":"neutral","sentiment_score":0.03452081154835852}],"sentiment":"neutral","sentiment_score":0.0075435643425075015,"num_words":41,"start":683.455,"end":704.075},{"sentences":[{"text":"But sometimes it's not, and you still have to pay extra.","start":704.075,"end":706.395,"sentiment":"neutral","sentiment_score":-0.03555152632973411},{"text":"So it is good that you are aware of it.","start":706.395,"end":708.975,"sentiment":"neutral","sentiment_score":0.2936762670055032},{"text":"Otherwise, we've already touched on the state planning, but you don't have anyone who makes any financial decisions or anything like that for you or power of attorney or anything otherwise?","start":710.875,"end":720.15,"sentiment":"neutral","sentiment_score":-0.08046570612538245},{"text":"That's okay.","start":725.89,"end":726.63,"sentiment":"neutral","sentiment_score":-0.012930228374898432},{"text":"Sorry, Matthew.","start":732.305,"end":733.02496,"sentiment":"neutral","sentiment_score":-0.06784315593540668}],"sentiment":"neutral","sentiment_score":-0.0019694246085626738,"num_words":56,"start":704.075,"end":733.02496},{"sentences":[{"text":"Can you still hear me?","start":733.02496,"end":734.165,"sentiment":"neutral","sentiment_score":-0.09283276945352555},{"text":"Yes.","start":735.58496,"end":735.985,"sentiment":"neutral","sentiment_score":-0.02579177543520927},{"text":"You don't have anyone who makes any financial decisions on your behalf or power of attorney?","start":736.225,"end":740.64496,"sentiment":"neutral","sentiment_score":-0.09641401120461524},{"text":"No.","start":740.865,"end":741.185,"sentiment":"neutral","sentiment_score":-0.18588313460350037},{"text":"Not 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Yep.","start":763.115,"end":764.875,"sentiment":"neutral","sentiment_score":0.11406069993972778},{"text":"Perfect.","start":764.875,"end":765.375,"sentiment":"positive","sentiment_score":0.4289754033088684},{"text":"Yep.","start":766.955,"end":767.455,"sentiment":"neutral","sentiment_score":0.03716191276907921},{"text":"Yep.","start":772.65,"end":773.15,"sentiment":"neutral","sentiment_score":-0.09358271211385728},{"text":"Yep.","start":773.93005,"end":774.43005,"sentiment":"neutral","sentiment_score":-0.03225398063659668}],"sentiment":"neutral","sentiment_score":0.10246648229658603,"num_words":10,"start":763.115,"end":774.43005},{"sentences":[{"text":"Mhmm.","start":779.21,"end":779.71,"sentiment":"neutral","sentiment_score":-0.05446559190750122},{"text":"Yep.","start":779.77,"end":780.27,"sentiment":"neutral","sentiment_score":-0.04169216752052307},{"text":"Yep.","start":783.415,"end":783.915,"sentiment":"neutral","sentiment_score":-0.011213049292564392},{"text":"You can't use it for legal fees.","start":790.215,"end":793.275,"sentiment":"neutral","sentiment_score":-0.149213972900595},{"text":"The the only thing, typically, would be, like, if you are in a financial hardship situation where you are on.","start":793.975,"end":804.25995,"sentiment":"neutral","sentiment_score":-0.1622018087655306}],"sentiment":"neutral","sentiment_score":-0.14653015981117884,"num_words":30,"start":779.21,"end":804.25995},{"sentences":[{"text":"Yeah.","start":806.63995,"end":807.13995,"sentiment":"neutral","sentiment_score":-0.05693914741277695},{"text":"Yeah.","start":809.535,"end":810.035,"sentiment":"neutral","sentiment_score":-0.036743614822626114},{"text":"Well yeah.","start":811.615,"end":812.595,"sentiment":"neutral","sentiment_score":0.007579419761896133},{"text":"Yeah.","start":815.055,"end":815.535,"sentiment":"neutral","sentiment_score":-0.017861291766166687},{"text":"That's that's a 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sort to fund that?","start":832.19,"end":837.91504,"sentiment":"neutral","sentiment_score":-0.03914888482540846},{"text":"Yeah.","start":839.815,"end":840.315,"sentiment":"neutral","sentiment_score":0.01138458400964737},{"text":"Yeah.","start":843.97504,"end":844.47504,"sentiment":"neutral","sentiment_score":0.11273963004350662},{"text":"Yep.","start":855.75,"end":856.23,"sentiment":"neutral","sentiment_score":0.06410259008407593},{"text":"Yeah.","start":856.23,"end":856.73,"sentiment":"neutral","sentiment_score":0.16390059888362885}],"sentiment":"neutral","sentiment_score":-0.016025114719840614,"num_words":22,"start":832.19,"end":856.73},{"sentences":[{"text":"Yeah.","start":863.525,"end":864.025,"sentiment":"neutral","sentiment_score":0.07069550454616547},{"text":"Yeah.","start":864.085,"end":864.585,"sentiment":"neutral","sentiment_score":0.06157989799976349},{"text":"Yep.","start":871.54004,"end":872.04004,"sentiment":"neutral","sentiment_score":0.1260693073272705},{"text":"Yeah.","start":876.66003,"end":877.16003,"sentiment":"neutral","sentiment_score":0.10922263562679292},{"text":"Yep.","start":883.715,"end":884.215,"sentiment":"neutral","sentiment_score":0.19161781668663025}],"sentiment":"neutral","sentiment_score":0.11183703243732453,"num_words":5,"start":863.525,"end":884.215},{"sentences":[{"text":"By by the time it comes around yeah.","start":886.275,"end":888.85504,"sentiment":"neutral","sentiment_score":0.06163464626297355},{"text":"Yeah.","start":889.875,"end":890.375,"sentiment":"neutral","sentiment_score":0.03410857170820236},{"text":"No.","start":890.435,"end":890.67505,"sentiment":"neutral","sentiment_score":-0.14648234844207764},{"text":"Unfortunately, not from that point of view.","start":890.67505,"end":894.35504,"sentiment":"negative","sentiment_score":-0.36331341522080557},{"text":"Like I said, yeah, the only way you can is, yeah, under financial hardship or compassionate ground.","start":894.35504,"end":902.14996,"sentiment":"negative","sentiment_score":-0.38508008858736825}],"sentiment":"neutral","sentiment_score":-0.25614270644591136,"num_words":34,"start":886.275,"end":902.14996},{"sentences":[{"text":"The compassionate ground is mainly, like, medical treatments and and stuff like that.","start":902.14996,"end":907.85,"sentiment":"neutral","sentiment_score":-0.1918890785712462},{"text":"Yeah.","start":910.005,"end":910.40497,"sentiment":"neutral","sentiment_score":-0.04455690458416939},{"text":"And, yeah, usually, you can't.","start":910.40497,"end":914.805,"sentiment":"neutral","sentiment_score":-0.09275280237197876},{"text":"I'll just triple check for you because, obviously, I'm New South for you, and we're up in in Queensland.","start":914.805,"end":919.705,"sentiment":"neutral","sentiment_score":-0.01772064191142195},{"text":"But I don't think so because I've had clients before who's been in a similar situation as yourself, and it is a lot of fees with court cases, especially kids and stuff like that, which is a very tricky situation that, yeah, we we would not we were not able to get any money or anything out of super because of for that 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anything like that in place that they can assist with?","start":972.075,"end":976.735,"sentiment":"neutral","sentiment_score":0.07135800706843536}],"sentiment":"neutral","sentiment_score":0.06319080347505708,"num_words":84,"start":942.455,"end":976.735},{"sentences":[{"text":"Do you 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that's horrible.","start":1004.63995,"end":1005.54,"sentiment":"negative","sentiment_score":-0.49214887619018555}],"sentiment":"neutral","sentiment_score":-0.3286045214959553,"num_words":7,"start":995.71497,"end":1005.54},{"sentences":[{"text":"Get that sorted.","start":1009.12,"end":1010.18,"sentiment":"neutral","sentiment_score":-0.22445830206076303},{"text":"No.","start":1010.48,"end":1010.98,"sentiment":"neutral","sentiment_score":-0.15350058674812317},{"text":"Now I don't know if this is going to be helpful for you, but I would be more than happy to, more cash flow budget wise to see if there's anything we can help you with.","start":1011.19995,"end":1020.085,"sentiment":"neutral","sentiment_score":0.08863530556360881},{"text":"So I'll be more than happy to email you a cash flow and budget template.","start":1020.085,"end":1023.625,"sentiment":"neutral","sentiment_score":0.2397507647673289},{"text":"Now some 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exploring.","start":1039.7,"end":1054.705,"sentiment":"neutral","sentiment_score":0.12285378279212193},{"text":"Okay.","start":1056.125,"end":1056.625,"sentiment":"neutral","sentiment_score":0.018439441919326786}],"sentiment":"neutral","sentiment_score":0.0742016481856505,"num_words":60,"start":1031.22,"end":1056.625},{"sentences":[{"text":"Okay.","start":1061.26,"end":1061.76,"sentiment":"neutral","sentiment_score":-0.02220666222274303},{"text":"Yes.","start":1065.18,"end":1065.5,"sentiment":"neutral","sentiment_score":0.14256957173347473},{"text":"Okay.","start":1065.5,"end":1066.0,"sentiment":"neutral","sentiment_score":0.3077763319015503},{"text":"Bit of a and how do you know how much you have in there at the 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cutting out expenses in some way or the other, just let me know because I'll be more than happy to email you a template for you to kind of put in your expenses and everything like that, and we can always run through that together to see if we can make any tweaks and changes on anything to help you save faster if you do need that assistance.","start":1104.0651,"end":1133.5751,"sentiment":"neutral","sentiment_score":0.21880756719138034},{"text":"So just let me know if if you do need 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you.","start":1185.335,"end":1188.135,"sentiment":"positive","sentiment_score":0.6548042744398117}],"sentiment":"positive","sentiment_score":0.4006442582607269,"num_words":50,"start":1169.6799,"end":1188.135},{"sentences":[{"text":"But, yeah, like I said, if if you are struggling and there is anything else we can do cash flow budget wise, just let me know.","start":1188.135,"end":1194.39,"sentiment":"neutral","sentiment_score":0.10924525501636359},{"text":"Perfect.","start":1196.87,"end":1197.37,"sentiment":"positive","sentiment_score":0.44663673639297485},{"text":"Now, otherwise, do you have access to your emails at the moment or a bit tricky when you're at work?","start":1197.43,"end":1202.17,"sentiment":"neutral","sentiment_score":0.002270941808819771},{"text":"Okay.","start":1205.75,"end":1206.25,"sentiment":"neutral","sentiment_score":0.02895461395382881},{"text":"Because what I have done is I have to send you an email with some documents to run through with you quickly.","start":1206.695,"end":1213.035,"sentiment":"neutral","sentiment_score":0.08526035889305851}],"sentiment":"neutral","sentiment_score":0.07481592446565628,"num_words":70,"start":1188.135,"end":1213.035},{"sentences":[{"text":"If you can get that up for me.","start":1214.455,"end":1217.675,"sentiment":"neutral","sentiment_score":0.14263952523469925},{"text":"Yep.","start":1224.71,"end":1225.21,"sentiment":"neutral","sentiment_score":0.0833551287651062},{"text":"Now we have recently changed the software as well, so it might look a little bit different to what you are used to.","start":1228.63,"end":1234.17,"sentiment":"neutral","sentiment_score":0.04158887728724791},{"text":"But it should allow you to open up the email and click on the link, and then you should have a couple of attachments before it asks you to sign anything.","start":1234.565,"end":1244.265,"sentiment":"neutral","sentiment_score":0.13106368794556586},{"text":"So let me know if you can see that okay.","start":1248.9,"end":1251.24,"sentiment":"neutral","sentiment_score":0.10805743634700775}],"sentiment":"neutral","sentiment_score":0.10033649586345235,"num_words":73,"start":1214.455,"end":1251.24},{"sentences":[{"text":"Mhmm.","start":1257.14,"end":1257.54,"sentiment":"neutral","sentiment_score":-0.041264139115810394},{"text":"It hasn't come through yet?","start":1257.54,"end":1258.92,"sentiment":"neutral","sentiment_score":-0.18781767189502716},{"text":"There's nothing in spam either?","start":1260.4349,"end":1262.055,"sentiment":"neutral","sentiment_score":-0.23775464594364165},{"text":"Okay.","start":1264.595,"end":1265.095,"sentiment":"neutral","sentiment_score":-0.07101571559906006},{"text":"Let me see.","start":1266.115,"end":1267.095,"sentiment":"neutral","sentiment_score":-0.04225370536247889}],"sentiment":"neutral","sentiment_score":-0.1577935039997101,"num_words":15,"start":1257.14,"end":1267.095},{"sentences":[{"text":"Let me do let me try to resend this to you.","start":1269.635,"end":1272.775,"sentiment":"neutral","sentiment_score":-0.04043199291283434},{"text":"Let me see if I can send it a different way because it should have come through by now.","start":1279.9199,"end":1285.0599,"sentiment":"neutral","sentiment_score":-0.05871609637611791},{"text":"Still nothing?","start":1292.495,"end":1293.235,"sentiment":"neutral","sentiment_score":-0.14424462988972664},{"text":"No?","start":1299.5499,"end":1300.0499,"sentiment":"neutral","sentiment_score":-0.14651310443878174},{"text":"Alright.","start":1301.15,"end":1301.47,"sentiment":"neutral","sentiment_score":-0.07308319211006165}],"sentiment":"neutral","sentiment_score":-0.06083656792693278,"num_words":34,"start":1269.635,"end":1301.47},{"sentences":[{"text":"Let me try to send it from this other way and see if it works.","start":1301.47,"end":1304.9299,"sentiment":"neutral","sentiment_score":-0.038548643887043},{"text":"If not, it could just be a little delay.","start":1305.87,"end":1308.45,"sentiment":"neutral","sentiment_score":-0.2616850319835875},{"text":"And your email hasn't changed.","start":1313.485,"end":1316.6849,"sentiment":"neutral","sentiment_score":-0.26380364000797274},{"text":"It's still mazedammit84@Hotmail.com?","start":1316.6849,"end":1321.47,"sentiment":"neutral","sentiment_score":0.02018773990372817},{"text":"Yep.","start":1322.59,"end":1322.9099,"sentiment":"neutral","sentiment_score":0.16347520053386688}],"sentiment":"neutral","sentiment_score":-0.12207196139250741,"num_words":33,"start":1301.47,"end":1322.9099},{"sentences":[{"text":"Okay.","start":1322.9099,"end":1323.15,"sentiment":"neutral","sentiment_score":0.31268689036369324},{"text":"Perfect.","start":1323.15,"end":1323.63,"sentiment":"positive","sentiment_score":0.5803884267807007},{"text":"I'll just try to resend it to you and see.","start":1323.63,"end":1327.4099,"sentiment":"positive","sentiment_score":0.40120303332805635},{"text":"Are you happy for me to kind of go through the some of some of the information and hopefully come through in the meantime just so I don't keep you waiting too long?","start":1330.6699,"end":1342.115,"sentiment":"positive","sentiment_score":0.3467778358608484},{"text":"Yes?","start":1342.335,"end":1342.835,"sentiment":"neutral","sentiment_score":0.0221821628510952}],"sentiment":"positive","sentiment_score":0.3558903564496533,"num_words":46,"start":1322.9099,"end":1342.835},{"sentences":[{"text":"Yep.","start":1344.255,"end":1344.755,"sentiment":"neutral","sentiment_score":0.21948900818824768},{"text":"Alright.","start":1344.815,"end":1345.215,"sentiment":"neutral","sentiment_score":0.2933064103126526},{"text":"Perfect.","start":1345.215,"end":1345.715,"sentiment":"positive","sentiment_score":0.4041071832180023},{"text":"Now when it does come through, let me know, but you basically have a super and insurance summary first.","start":1346.58,"end":1353.32,"sentiment":"neutral","sentiment_score":0.15792865737488396},{"text":"Now that just gives you a bit of breakdown of your current super and insurances.","start":1354.1,"end":1358.9199,"sentiment":"neutral","sentiment_score":0.10297048886617025}],"sentiment":"neutral","sentiment_score":0.14762444391443924,"num_words":37,"start":1344.255,"end":1358.9199},{"sentences":[{"text":"So it shows you that you have your super in net wealth.","start":1359.8151,"end":1363.275,"sentiment":"neutral","sentiment_score":0.1540026981383562},{"text":"You do have a $135,224 in there, and then you also have some insurances with Neon.","start":1363.495,"end":1372.075,"sentiment":"neutral","sentiment_score":0.12137784203514457},{"text":"So you have life and total permanent disability insurance, and that is 343,667 if something were to happen to you.","start":1372.67,"end":1385.205,"sentiment":"neutral","sentiment_score":0.0639308352023363},{"text":"Now are you still happy with that level of cover for life and TPD if something were to happen?","start":1385.445,"end":1390.505,"sentiment":"neutral","sentiment_score":0.12948575419814964},{"text":"Yep.","start":1401.94,"end":1402.34,"sentiment":"neutral","sentiment_score":0.01208566688001156}],"sentiment":"neutral","sentiment_score":0.11089719927814953,"num_words":68,"start":1359.8151,"end":1402.34},{"sentences":[{"text":"Sorry.","start":1402.34,"end":1402.84,"sentiment":"neutral","sentiment_score":-0.0652947947382927},{"text":"343,667.","start":1414.4349,"end":1417.895,"sentiment":"neutral","sentiment_score":-0.009497495368123056},{"text":"Correct.","start":1424.93,"end":1425.41,"sentiment":"neutral","sentiment_score":0.020584557205438617},{"text":"Plus your super of a 135,000.","start":1425.41,"end":1428.23,"sentiment":"neutral","sentiment_score":-0.0011715300691624482},{"text":"Let me alright.","start":1432.13,"end":1442.625,"sentiment":"neutral","sentiment_score":-0.05303772663076719}],"sentiment":"neutral","sentiment_score":-0.018362507767354447,"num_words":12,"start":1402.34,"end":1442.625},{"sentences":[{"text":"Let me truthful check this for you.","start":1442.625,"end":1445.045,"sentiment":"neutral","sentiment_score":0.084452821207898},{"text":"Yeah.","start":1449.57,"end":1450.07,"sentiment":"neutral","sentiment_score":0.012500805780291556},{"text":"No.","start":1451.41,"end":1451.89,"sentiment":"neutral","sentiment_score":-0.038668856024742126},{"text":"So what we have here is $343.06 $6.07.","start":1451.89,"end":1456.87,"sentiment":"neutral","sentiment_score":-0.026616862509399652},{"text":"Now would you want to look at changing it or increasing it, or what are your thoughts?","start":1459.745,"end":1467.845,"sentiment":"neutral","sentiment_score":-0.017939548720331752}],"sentiment":"neutral","sentiment_score":0.0013851314673528953,"num_words":34,"start":1442.625,"end":1467.845},{"sentences":[{"text":"Okay.","start":1470.4,"end":1470.9,"sentiment":"neutral","sentiment_score":-0.1523527204990387},{"text":"Okay.","start":1471.36,"end":1471.86,"sentiment":"neutral","sentiment_score":-0.053377799689769745},{"text":"So it yeah.","start":1472.0,"end":1474.98,"sentiment":"neutral","sentiment_score":-0.03249222288529078},{"text":"If anything so when your email does come through, you will have everything listed.","start":1476.0801,"end":1480.0801,"sentiment":"neutral","sentiment_score":0.10284709517977067},{"text":"So you also have it if you wanna go back at any point and have a look at it again.","start":1480.0801,"end":1484.1,"sentiment":"positive","sentiment_score":0.3424178294837475}],"sentiment":"neutral","sentiment_score":0.2047438136755656,"num_words":39,"start":1470.4,"end":1484.1},{"sentences":[{"text":"I've also included your certificate of currency, which breaks down your insurances in more detail.","start":1484.395,"end":1492.735,"sentiment":"positive","sentiment_score":0.34114746153354647},{"text":"So you can have a look at that when you have a bit of a moment.","start":1493.355,"end":1496.795,"sentiment":"positive","sentiment_score":0.4406774938106537},{"text":"And then, obviously, when things if things settle down a little bit for you and you would like to look at changing it, you can just give me a call whenever you want to.","start":1496.795,"end":1504.85,"sentiment":"positive","sentiment_score":0.3524651930612676},{"text":"It doesn't have to be at under review time, and we can look at what would the cost be and how would things work if you wanted to change it.","start":1504.85,"end":1514.1649,"sentiment":"neutral","sentiment_score":0.3193299082418283},{"text":"So just let me know if that's ever a situation, and then we can always review those insurances.","start":1515.265,"end":1519.605,"sentiment":"neutral","sentiment_score":0.21390209015872744}],"sentiment":"neutral","sentiment_score":0.3325840996298115,"num_words":113,"start":1484.395,"end":1519.605},{"sentences":[{"text":"Same for TPD.","start":1520.785,"end":1521.845,"sentiment":"neutral","sentiment_score":0.029085935093462467},{"text":"If anything changes, so that is if you are totally and permanently disabled and can't go back to work.","start":1522.065,"end":1527.765,"sentiment":"neutral","sentiment_score":-0.17263806572085932},{"text":"Again, if anything does change, you have the same amount.","start":1528.89,"end":1532.5901,"sentiment":"neutral","sentiment_score":0.03375952579081058},{"text":"If if it does change and you wanna increase that again, just let me know, and we can always look at that.","start":1534.9701,"end":1542.27,"sentiment":"neutral","sentiment_score":0.11619203436103734},{"text":"Now because of your occupation as well-being a little bit riskier in the insurance mind, you have, a a ADL definition on the TPD.","start":1543.165,"end":1553.745,"sentiment":"neutral","sentiment_score":-0.25918360333889723}],"sentiment":"neutral","sentiment_score":-0.083582716791007,"num_words":78,"start":1520.785,"end":1553.745},{"sentences":[{"text":"I'm not sure if you remember going through that with my colleague when you had the the cover set up.","start":1553.805,"end":1559.6,"sentiment":"neutral","sentiment_score":-0.0942728292196989},{"text":"But, essentially, that's more like where you have to have a little bit stricter definition to me if something were to happen where you do have to meet, like, the the daily living activities.","start":1560.7001,"end":1570.9601,"sentiment":"neutral","sentiment_score":-0.1355498001417693},{"text":"So you would have to prove that you can't, like, feed yourself or shower or or stuff like that in order to get paid out to the TPD.","start":1571.18,"end":1579.845,"sentiment":"neutral","sentiment_score":-0.15089036976652487},{"text":"So, again, if anything changes and you wanna review it, let me know.","start":1580.705,"end":1583.925,"sentiment":"neutral","sentiment_score":0.11324639389148125},{"text":"But you also have an income protection policy, and that is paying so that is if you're just temporarily unable to work, and that will pay you a monthly amount of $5,102 per month.","start":1584.225,"end":1598.47,"sentiment":"neutral","sentiment_score":0.11710657069788259}],"sentiment":"neutral","sentiment_score":-0.04081591952216718,"num_words":129,"start":1553.805,"end":1598.47},{"sentences":[{"text":"Okay?","start":1598.47,"end":1598.97,"sentiment":"neutral","sentiment_score":0.1311943233013153},{"text":"Now you have a ninety day waiting period.","start":1600.9651,"end":1603.2251,"sentiment":"neutral","sentiment_score":0.07614330062642694},{"text":"So that's how long you have to wait until you can start getting the benefit, and you have it for two years if something were to happen.","start":1603.285,"end":1610.745,"sentiment":"neutral","sentiment_score":0.31791799046375135},{"text":"All those three are paid from superannuation for you.","start":1612.29,"end":1615.49,"sentiment":"positive","sentiment_score":0.513799164030287},{"text":"You get a tax rebate.","start":1615.49,"end":1617.03,"sentiment":"positive","sentiment_score":0.5391582369804382}],"sentiment":"neutral","sentiment_score":0.3328822026401758,"num_words":50,"start":1598.47,"end":1617.03},{"sentences":[{"text":"The total premium for all three is 2,512, and that comes just out of your superannuation.","start":1617.41,"end":1623.67,"sentiment":"positive","sentiment_score":0.4920883569866419},{"text":"So, yeah, you don't have to pay for them out of pocket.","start":1623.89,"end":1626.135,"sentiment":"positive","sentiment_score":0.3934550645450751},{"text":"Yep.","start":1627.575,"end":1628.075,"sentiment":"neutral","sentiment_score":0.27750515937805176},{"text":"Again, if anything changes when things are kind of settled down for you and you wanna look at it, by all means, just let me know, and we can always review that for you.","start":1628.535,"end":1635.755,"sentiment":"neutral","sentiment_score":0.26235145023640466},{"text":"Now that still hasn't come through to you, Matthew?","start":1637.8151,"end":1640.475,"sentiment":"neutral","sentiment_score":-0.019353012657827802}],"sentiment":"neutral","sentiment_score":0.30025210888642406,"num_words":72,"start":1617.41,"end":1640.475},{"sentences":[{"text":"And not in spam or anything either?","start":1645.7001,"end":1647.56,"sentiment":"neutral","sentiment_score":-0.10957897614155497},{"text":"No?","start":1649.22,"end":1649.72,"sentiment":"neutral","sentiment_score":-0.10744534432888032},{"text":"It could just be a bit bit of a delay.","start":1650.74,"end":1653.4,"sentiment":"neutral","sentiment_score":-0.2660221129655838},{"text":"It says here that it was sent on my end about twenty minutes ago.","start":1653.4601,"end":1656.885,"sentiment":"neutral","sentiment_score":-0.10159458326441902},{"text":"I've just resend it.","start":1657.045,"end":1658.405,"sentiment":"neutral","sentiment_score":-0.11680414155125618}],"sentiment":"neutral","sentiment_score":-0.15067388996895817,"num_words":36,"start":1645.7001,"end":1658.405},{"sentences":[{"text":"So just keep a lookout.","start":1658.405,"end":1660.025,"sentiment":"neutral","sentiment_score":-0.022839509323239325},{"text":"Nothing.","start":1662.885,"end":1663.385,"sentiment":"neutral","sentiment_score":-0.07107017189264297},{"text":"Nope.","start":1663.765,"end":1664.265,"sentiment":"neutral","sentiment_score":-0.13366737961769104},{"text":"That's okay.","start":1664.325,"end":1665.145,"sentiment":"neutral","sentiment_score":-0.07971471920609474},{"text":"Okay.","start":1670.1,"end":1670.6,"sentiment":"neutral","sentiment_score":0.05326731130480766}],"sentiment":"neutral","sentiment_score":-0.04250972252339125,"num_words":10,"start":1658.405,"end":1670.6},{"sentences":[{"text":"I'll keep a little lookout.","start":1670.9,"end":1672.1,"sentiment":"neutral","sentiment_score":0.11827928125858307},{"text":"And otherwise, when I get off the phone, I'll have a chat to IT and see if there's, like, a bug or something in in the back end as well.","start":1672.1,"end":1678.68,"sentiment":"neutral","sentiment_score":-0.010301798147459825},{"text":"Sometimes it could be, like, service maybe where you are as well, potentially.","start":1679.14,"end":1682.28,"sentiment":"neutral","sentiment_score":-0.0168569261351457},{"text":"But otherwise, when you do have a look at it, you will also see a performance report, and that just shows you your individual investment and how they have performed over the last twelve months.","start":1684.26,"end":1695.855,"sentiment":"neutral","sentiment_score":0.0782815263739654},{"text":"Now, obviously, the last twelve months, we've seen quite a bit of fluctuation in the market with everything going on.","start":1696.235,"end":1701.9299,"sentiment":"neutral","sentiment_score":-0.08949736021459102}],"sentiment":"neutral","sentiment_score":0.009836006222419369,"num_words":103,"start":1670.9,"end":1701.9299},{"sentences":[{"text":"First, you had, obviously, everything in The US with Trump and tariffs and everything, and more recently, the war have seen a bit of kind of mixed results.","start":1701.9299,"end":1711.63,"sentiment":"neutral","sentiment_score":-0.10863742059362787},{"text":"So some areas have performed a lot stronger than others.","start":1711.85,"end":1716.11,"sentiment":"neutral","sentiment_score":-0.04497197195887566},{"text":"Sorry.","start":1716.3049,"end":1716.5449,"sentiment":"neutral","sentiment_score":-0.022104673087596893},{"text":"The strongest ones which you will see in that performance report, all the investments are outlined individually with the individual returns as well.","start":1716.5449,"end":1724.405,"sentiment":"neutral","sentiment_score":0.18568773600070373},{"text":"So your kind of strongest performers were US shares did really well.","start":1724.785,"end":1729.265,"sentiment":"positive","sentiment_score":0.3860737358530362}],"sentiment":"neutral","sentiment_score":0.07283825120209036,"num_words":74,"start":1701.9299,"end":1729.265},{"sentences":[{"text":"You also had pretty good with your Japanese investment.","start":1729.265,"end":1732.59,"sentiment":"positive","sentiment_score":0.45206843068202335},{"text":"Cybersecurity and gold benefited as well from that kind of ongoing global growth.","start":1733.61,"end":1738.67,"sentiment":"positive","sentiment_score":0.4625978246331215},{"text":"Yeah.","start":1739.53,"end":1740.03,"sentiment":"neutral","sentiment_score":0.004414367489516735},{"text":"Mhmm.","start":1746.265,"end":1746.765,"sentiment":"neutral","sentiment_score":-0.02954188361763954},{"text":"Yes.","start":1749.0651,"end":1749.5651,"sentiment":"neutral","sentiment_score":-0.0245220847427845}],"sentiment":"positive","sentiment_score":0.4013095198199153,"num_words":25,"start":1729.265,"end":1749.5651},{"sentences":[{"text":"Yes.","start":1758.36,"end":1758.86,"sentiment":"neutral","sentiment_score":-0.06429959833621979},{"text":"Yes.","start":1759.3201,"end":1759.8201,"sentiment":"neutral","sentiment_score":0.017694421112537384},{"text":"Yeah.","start":1763.8,"end":1764.28,"sentiment":"neutral","sentiment_score":0.11506470292806624},{"text":"And we have actually already made a change for you through the Australia.","start":1764.28,"end":1768.36,"sentiment":"neutral","sentiment_score":0.1949434412213472},{"text":"So when you do have a look at it, you will see that all your investments so individually, they did pretty good, but there was one which exactly you said that was underperforming a little bit, and that was your Benelon Australian equity.","start":1768.36,"end":1783.845,"sentiment":"neutral","sentiment_score":0.009979812385037888}],"sentiment":"neutral","sentiment_score":0.051387393120991984,"num_words":59,"start":1758.36,"end":1783.845},{"sentences":[{"text":"Now we obviously do a lot of research on your investments all the time.","start":1784.52,"end":1788.92,"sentiment":"neutral","sentiment_score":0.0002716332674026489},{"text":"Sometimes it's just the nature of the market where things do fluctuate and go up and down, and you also wanna kind of avoid selling at the bottom if we foresee things coming back around that is just the nature of the investments as well.","start":1788.92,"end":1802.2351,"sentiment":"neutral","sentiment_score":-0.18413866601056522},{"text":"But with the Benelon investments, they have underperformed a bit recently, but they've also kind of a little bit slower in making the investment decision.","start":1802.295,"end":1811.035,"sentiment":"neutral","sentiment_score":-0.32714867919683455},{"text":"And if we foresee that being another better option to change for you, then we wanna make sure we obviously stay on top of that.","start":1811.4299,"end":1818.71,"sentiment":"neutral","sentiment_score":0.06724371716380119},{"text":"So on the March 12, you got an email from us, and it was not some not something you had to sign or anything, but it was just for your reference showing that we've done a lot of research on your investments, and the Benelon Australian was underperforming a little bit.","start":1818.71,"end":1835.8251,"sentiment":"neutral","sentiment_score":0.016074858532816757}],"sentiment":"neutral","sentiment_score":-0.08725152106489986,"num_words":160,"start":1784.52,"end":1835.8251},{"sentences":[{"text":"And we changed it for a similar investment.","start":1836.285,"end":1840.11,"sentiment":"neutral","sentiment_score":0.08039166033267975},{"text":"So if we're taking out, obviously, your Australian equity, we wanted to look at replacing it with another Australian equity, but a little bit of a a better investment because we also wanna make sure you are very diversified.","start":1840.17,"end":1853.4451,"sentiment":"neutral","sentiment_score":0.07617798858346084},{"text":"So we don't want everything in one section or one region.","start":1853.665,"end":1857.685,"sentiment":"neutral","sentiment_score":-0.08330255712975156},{"text":"We wanna make sure it's very diversified, but at the same time, we also don't want you to be an investment option if it's not doing the best.","start":1858.705,"end":1865.28,"sentiment":"neutral","sentiment_score":-0.014532925561070442},{"text":"So we changed it for one that was called a BetaShares Australia two hundred.","start":1865.68,"end":1870.8201,"sentiment":"neutral","sentiment_score":0.08212264414344515}],"sentiment":"neutral","sentiment_score":0.03440541811287403,"num_words":100,"start":1836.285,"end":1870.8201},{"sentences":[{"text":"So it is still investing in the Australian market, but it is very diversified because it invests in the 200 largest companies listed in Australia.","start":1871.28,"end":1881.845,"sentiment":"neutral","sentiment_score":0.23153692096471787},{"text":"So you have all your big banks and your your BHP, Woolworths, for example.","start":1882.305,"end":1887.925,"sentiment":"neutral","sentiment_score":0.31193539074489046},{"text":"So it's very diversified.","start":1887.985,"end":1889.205,"sentiment":"positive","sentiment_score":0.3584512248635292},{"text":"And you will see as well moving forward that it'll be a little bit smoother because with Benelon, they are kind of actively buying and selling different investments in order to try to outperform the market.","start":1890.28,"end":1900.62,"sentiment":"positive","sentiment_score":0.40782787485255134},{"text":"Whereas the BetaShares Australia 200, it focuses on just tracking the 200 largest.","start":1901.0,"end":1905.655,"sentiment":"neutral","sentiment_score":0.07357404839534026}],"sentiment":"neutral","sentiment_score":0.29595205997643265,"num_words":92,"start":1871.28,"end":1905.655},{"sentences":[{"text":"As the company grow, gets bigger, it gets added to the 200, and something gets smaller kind of comes out.","start":1905.655,"end":1911.275,"sentiment":"neutral","sentiment_score":0.04308455102145672},{"text":"So we have already made that switch for you back in March.","start":1912.055,"end":1917.035,"sentiment":"neutral","sentiment_score":0.20885742331544557},{"text":"So you should if you haven't seen it, you should see things kind of stabilize a little bit more from what it was we've been along, and then moving forward, put you in a little bit better position and smoother as well.","start":1917.4099,"end":1929.345,"sentiment":"neutral","sentiment_score":0.28168653537120136},{"text":"But with your investments, so we currently have you invested in a high growth portfolio as well.","start":1930.945,"end":1937.365,"sentiment":"neutral","sentiment_score":0.12004174379741445},{"text":"So, obviously, in a high growth portfolio over the short term, you will see a bit of short term fluctuation.","start":1937.4249,"end":1944.7999,"sentiment":"neutral","sentiment_score":0.11157619059085847}],"sentiment":"neutral","sentiment_score":0.1754148472268302,"num_words":111,"start":1905.655,"end":1944.7999},{"sentences":[{"text":"The goal is to try to grow that in the long term.","start":1945.1,"end":1949.0399,"sentiment":"neutral","sentiment_score":0.20679287364085516},{"text":"So how typically your investments are invested in a high growth portfolio, which when you do get access to an email, you will see that I have included a Vanguard index chart in that, which kind of outlines it's just a good visual representation of what we are talking about when we're talking about the market, but it also outlines the individual asset classes so that you can see them.","start":1949.6599,"end":1971.75,"sentiment":"neutral","sentiment_score":0.19922428226896693},{"text":"But, essentially, in a high growth portfolio, we see a 90% invested in what we would call your growth assets.","start":1972.63,"end":1979.37,"sentiment":"neutral","sentiment_score":0.23411662168800831},{"text":"So that would be things like Australian shares, international shares, property, and commodities, And that is what's going to maximize those returns for you long term.","start":1979.91,"end":1989.9851,"sentiment":"positive","sentiment_score":0.42907464848114896},{"text":"You still have plenty of time until retirement, so you can take advantage of those kind of short term fluctuations in order to grow that for your retirement.","start":1990.045,"end":1999.025,"sentiment":"positive","sentiment_score":0.41276959223406656}],"sentiment":"neutral","sentiment_score":0.2809168982009093,"num_words":156,"start":1945.1,"end":1999.025},{"sentences":[{"text":"And we do see about 10% in your defensive.","start":2000.75,"end":2004.05,"sentiment":"neutral","sentiment_score":0.33137767016887665},{"text":"So, like, your cash, your gold you have in there as well, you're trying to limit and limit those fluctuations a little bit.","start":2004.3501,"end":2013.7301,"sentiment":"neutral","sentiment_score":0.32149947920571204},{"text":"Now when we're also then talking about a time frame, so making sure you have enough time in the market for those short term fluctuations in a high growth portfolio, we wanna allow at least eight years to retirement, which you certainly have behind So from a time frame point of view, you are in a good position being in a high growth, investments would maximize that growth for you as long as that is still something that you are comfortable with.","start":2014.405,"end":2038.99,"sentiment":"neutral","sentiment_score":0.320786803324775},{"text":"Yes.","start":2044.265,"end":2044.585,"sentiment":"neutral","sentiment_score":-0.01227133721113205},{"text":"Can you hear me?","start":2044.585,"end":2045.565,"sentiment":"neutral","sentiment_score":-0.01912648673169315}],"sentiment":"neutral","sentiment_score":0.30750107261970516,"num_words":119,"start":2000.75,"end":2045.565},{"sentences":[{"text":"Yes.","start":2047.465,"end":2047.965,"sentiment":"neutral","sentiment_score":0.03205994516611099},{"text":"No.","start":2049.305,"end":2049.625,"sentiment":"neutral","sentiment_score":-0.01606406643986702},{"text":"That's all good.","start":2049.625,"end":2050.505,"sentiment":"neutral","sentiment_score":0.14966010053952536},{"text":"So you're still kind of comfortable with that kind of high growth position for your investment?","start":2050.505,"end":2054.605,"sentiment":"neutral","sentiment_score":0.153451569378376},{"text":"Yep.","start":2055.96,"end":2056.2,"sentiment":"neutral","sentiment_score":0.2243579626083374}],"sentiment":"neutral","sentiment_score":0.14293451150032607,"num_words":22,"start":2047.465,"end":2056.2},{"sentences":[{"text":"Beautiful.","start":2056.2,"end":2056.7,"sentiment":"positive","sentiment_score":0.4154304265975952},{"text":"Now almost at the end there.","start":2058.84,"end":2060.68,"sentiment":"neutral","sentiment_score":0.14862654730677605},{"text":"Now the other documents you will see is you do have a it's just kind of another compliance form.","start":2060.68,"end":2067.4,"sentiment":"neutral","sentiment_score":0.1408744003427656},{"text":"It is an updated financial services guide.","start":2067.4,"end":2070.22,"sentiment":"neutral","sentiment_score":0.14759412301438196},{"text":"You would have seen this one before, but it is it's just good.","start":2070.645,"end":2074.885,"sentiment":"neutral","sentiment_score":0.2848775295110849}],"sentiment":"neutral","sentiment_score":0.1895732622107734,"num_words":46,"start":2056.2,"end":2074.885},{"sentences":[{"text":"It gives you all important information in regards to us here at Oakview.","start":2074.885,"end":2078.585,"sentiment":"positive","sentiment_score":0.34361313856565034},{"text":"We've had a bit of an extension to the team, which is good, a bit of an updated marketing.","start":2079.445,"end":2083.845,"sentiment":"neutral","sentiment_score":0.21072526511393094},{"text":"But if you do have a bit of a read over it, you will actually see a photo of myself in there as well if you do wanna put a put a face to the voice and the rest of the team as well.","start":2083.845,"end":2095.74,"sentiment":"neutral","sentiment_score":0.16625012829899788},{"text":"Now it will just ask you to sign through documents if you're happy to do so as well, and that is your ongoing service agreement.","start":2097.24,"end":2104.905,"sentiment":"neutral","sentiment_score":0.2252523720264435},{"text":"And that is just to say that you are happy to stay on the asset client.","start":2105.685,"end":2109.625,"sentiment":"positive","sentiment_score":0.5015894146636128}],"sentiment":"neutral","sentiment_score":0.25164526853805935,"num_words":117,"start":2074.885,"end":2109.625},{"sentences":[{"text":"Now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from super.","start":2110.485,"end":2119.35,"sentiment":"neutral","sentiment_score":0.14567107529867263},{"text":"So no changes in regards to that, and it is not a lock in contract.","start":2119.81,"end":2124.77,"sentiment":"neutral","sentiment_score":0.07436821088194848},{"text":"So if at any point in time, you are not happy, not a lock in contract for this essentially is a service to your account, your investments, and assurances, and everything for you in the meantime.","start":2124.77,"end":2134.835,"sentiment":"neutral","sentiment_score":0.09318700236164862},{"text":"And then the last one is another compliance form.","start":2136.575,"end":2139.615,"sentiment":"neutral","sentiment_score":0.19254832135306466},{"text":"It is just a tax file number form just to say we are keeping your tax file number secure and safe on file.","start":2139.615,"end":2145.51,"sentiment":"neutral","sentiment_score":0.278530843231989}],"sentiment":"neutral","sentiment_score":0.15065857803878877,"num_words":104,"start":2110.485,"end":2145.51},{"sentences":[{"text":"Now that was essentially all those documents.","start":2147.27,"end":2149.03,"sentiment":"neutral","sentiment_score":0.13635525639568055},{"text":"Now I know sometimes it's a little bit tricky if you can't see it.","start":2149.03,"end":2152.15,"sentiment":"neutral","sentiment_score":-0.06902675836213998},{"text":"So, hopefully, that comes through to you soon.","start":2152.15,"end":2155.69,"sentiment":"neutral","sentiment_score":0.1660998808220029},{"text":"When it does have a bit of a read over, if you have any questions, just let me know.","start":2156.39,"end":2161.1301,"sentiment":"neutral","sentiment_score":0.12192924477552113},{"text":"Otherwise, if you're happy to do so, I will just need you to sign those through documents.","start":2161.8052,"end":2166.945,"sentiment":"neutral","sentiment_score":0.24224650772178874}],"sentiment":"neutral","sentiment_score":0.11925780778894057,"num_words":65,"start":2147.27,"end":2166.945},{"sentences":[{"text":"You can do it all digitally, and then it will automatically send it back to me, and I will get that all uploaded for you.","start":2167.645,"end":2174.48,"sentiment":"neutral","sentiment_score":0.2766675728559494},{"text":"I will also update your postal address here and get the team to post out those beneficiary forms for your insurances for your shoe super and insurance.","start":2175.42,"end":2186.72,"sentiment":"neutral","sentiment_score":0.22805498595590945},{"text":"Now, Matthew, when it comes to, obviously, the legal side of it as well, do you have a good lawyer, or would you like me to get the team to send you, like, a firm that we work closely with if if you do need to talk to them a bit more on, like, the legal side with your kids and stuff like that.","start":2188.895,"end":2208.05,"sentiment":"neutral","sentiment_score":0.07090908059035428},{"text":"We've got oh, great.","start":2209.87,"end":2214.1301,"sentiment":"neutral","sentiment_score":0.15380106680095196},{"text":"Okay.","start":2214.645,"end":2214.965,"sentiment":"positive","sentiment_score":0.3683040142059326}],"sentiment":"neutral","sentiment_score":0.1536848213338901,"num_words":121,"start":2167.645,"end":2214.965},{"sentences":[{"text":"Perfect.","start":2214.965,"end":2215.465,"sentiment":"positive","sentiment_score":0.5758240818977356},{"text":"No.","start":2215.685,"end":2215.925,"sentiment":"positive","sentiment_score":0.3850141167640686},{"text":"That's really good.","start":2215.925,"end":2216.905,"sentiment":"positive","sentiment_score":0.591899553934733},{"text":"Now I hope everything does work out for you, obviously, with the kids and the court and everything and that it won't drag on too long.","start":2217.365,"end":2224.0251,"sentiment":"positive","sentiment_score":0.5435589504643128},{"text":"Like I said, if there's anything else that I can help you with with that, whether that be cash flow or or anything like that, or if it gets to a point where you are really, really struggling, just just let me know.","start":2224.805,"end":2236.52,"sentiment":"neutral","sentiment_score":0.15766365583552872}],"sentiment":"neutral","sentiment_score":0.3195757672089983,"num_words":74,"start":2214.965,"end":2236.52},{"sentences":[{"text":"Just give me a call, and I can always book you in for another catch up and see if there's, yeah, something we can do with your your income or cash wise to help you in any way.","start":2236.52,"end":2246.005,"sentiment":"positive","sentiment_score":0.3773937468466006},{"text":"Yep.","start":2247.505,"end":2248.005,"sentiment":"positive","sentiment_score":0.4875382781028747},{"text":"No problem.","start":2248.145,"end":2248.865,"sentiment":"positive","sentiment_score":0.5757061541080475},{"text":"Well, I will let you go and do enjoy the rest of your day, Matthew.","start":2248.865,"end":2252.005,"sentiment":"positive","sentiment_score":0.7546516140302022},{"text":"Like I said, keep a lookout for that email.","start":2252.545,"end":2254.565,"sentiment":"positive","sentiment_score":0.4320469730430179}],"sentiment":"positive","sentiment_score":0.479817075912769,"num_words":65,"start":2236.52,"end":2254.565},{"sentences":[{"text":"Let me know how you go.","start":2254.785,"end":2255.7449,"sentiment":"positive","sentiment_score":0.5679922898610433},{"text":"And if there's anything else that you do need, don't hesitate to give me a call.","start":2255.7449,"end":2261.23,"sentiment":"positive","sentiment_score":0.34323020838201046},{"text":"No problem.","start":2261.23,"end":2261.95,"sentiment":"positive","sentiment_score":0.573656290769577},{"text":"Well, you enjoy the rest of your day, and I look forward to speaking with you soon again.","start":2261.95,"end":2265.3298,"sentiment":"positive","sentiment_score":0.8290136456489563},{"text":"You too.","start":2267.31,"end":2268.03,"sentiment":"positive","sentiment_score":0.5281212031841278}],"sentiment":"positive","sentiment_score":0.5914872200651602,"num_words":44,"start":2254.785,"end":2268.03},{"sentences":[{"text":"Bye.","start":2268.03,"end":2268.53,"sentiment":"neutral","sentiment_score":-0.10680101066827774}],"sentiment":"neutral","sentiment_score":-0.10680101066827774,"num_words":1,"start":2268.03,"end":2268.53}]}}]},{"alternatives":[{"transcript":"For your name and reason for calling, I'll see if this person is available. Hello? Speaking. Good. Love yourself. Excuse me. Yep. Yes. That's fine. Sorry. December, it's 04/1984. I guess it's 33 Cullowy Street inside. Yep. Yeah. I'm just at work. That's okay. I'm alright because I'm just waiting for the call. I just wanted to sort of find out with because I so on my with my that's probably to do with my super, isn't it? So I have to go through my super stuff. So, like, I wanna try and see, like, my next of kin and what like, if anything happens, like, who who I put in place and stuff. Okay. Mhmm. Yep. Okay. Yes. So I was I wanted to sort of leave it to my kids. So it really happens to me. I want it to go to my kids. Yeah. No. They're only young, but so that's what I'm trying to work out. How do I do it? Or can I put someone in place to help us so the metro goes to my kids? Okay. Not no. Not at the moment. No. Yep. Yes. Yes. Yep. Mhmm. Yep. Yes. That's it. No worries. No. Well, I'm probably gonna get a trust organized anyways and probably try and move everything into a trust. So yeah. Can I get it posted to me for if I can? Can I get it posted to can I change the the postal address? Yep. Can I put it under 21 Monterey Street? It's M 0 N T T E R E Y Street, South South Whitworthille. South Wentworthille Wentworthille, W E N T W 0 R T H V I, L L, E, Whitlandville. 2145. Everything as you can. Oh, that yeah. You can do everything. Yeah. Just do everything. That's fine. Yep. Yep. That's fine. Yep. Yep. No worries. Yes. Yeah. I'm I'm single now. I'll say put single if you want. Yep. Yep. I'll put I'll put one I'll put my mom here at the moment. It's Mary. The last name is 0430 582 8890. What's the rate? Yes. Yes. I'm still in this. Yes. Fulton Hogan. I've been well, we now do So it's been about eight months here. Yeah. Yeah. It's good. I've done I've done what I'm doing what I'll do for work, I've been doing it for the last twenty six years. So it just I I was I was working for myself for a little bit, then I was working for other people, and I was subbing. So yeah. Now I just work for a company now. It's a bit easier. Full time. Yes. See, I don't because I do shift work. It varies. Because at the moment, I've been on night shift. So, like, if I'm on night if I'm on night shift for a whole year, I can earn anywhere between 100 to 150,000. If I'm on day shift, it should be anywhere from about 80 to about $1.20. So Yeah. That's correct. That's correct. Yes. Oh, I think I think they just do the standard. You know, I haven't oh, yeah. Yeah. Mhmm. I think I'm I think they just paid off my base because I'm not sure if it changes of I I I have to look at my pay slip. I'm just thinking they paid off my base. That's it. But yeah. Mhmm. Yeah. Yeah. The only problem is if I'm on nights if I'm on nights, I I think they're paying off my night shift base. So it'd be a higher rate. Yeah. Yeah. No worries. No worries. No. I don't have any assets anymore, so no assets. Nope. Welcome. No. Nope. I think not tonight. And I very rarely had a drink over or anything like that. No. Yes. Yes. I get I copy every year. But how I see it is if if I'm if I'm paying for health insurance or private health, it pretty much is the same as what they take off from a medical lately anyway. So it's almost yeah. Yeah. Oh, yeah. Sorry. No. No. No. No. Just me. That's correct. Yes. Yeah. I'm still doing the same thing. Just going through, yeah, a bit of a separation of my kid's mom and stuff. So I'm going through a bit of that at the moment. That's actually I wanted to find out. So I've gotta go through I've gotta go through child court and stuff. My kids, so to do the custody stuff. Am I able to use Super to help me pay for my legal fees or you can't do that? Okay. Yeah. I'm not really in a it's not saying I'm in a hardship. It's more for me to go for custody, I'm gonna pay $30,000 to be able to be able to see my kids again. Because the only way I could do it is to get a court order. To get a court order, I have to because I work, I have to pay for my legal fees, which is looking around the $30,000 month. Well, see this oh, this is what I was trying to look into. So I thought maybe I'll see if if I can get if I can get somebody out of my super. I'll get say if I can get if I can get 15 or 20 out of my super, at least I can put that towards and then why it's why because obviously, the league the the the family court stuff goes on for a while. I can probably save save up the last bill I have to pay for it before the courts obviously would be finished. So I have to I have to put I have to put $15,000 down to my to the family court, the lawyers so then they can start proceedings and then push things straight to the court hearings and stuff like that. So I've got to put that down straight away. So I was gonna put 20 down and then at least then if it's they say, look, it's another 5 or another 10, I can probably save that by the time it gets all processed. K. That's alright. But yeah. Can you send me the that's on my Yep. Yep. Yes. Yeah. I don't I don't think I'll be able to get away for that much. I know that. Yeah. So yeah. No. See, they do, but the problem is I've gotta put I've gotta put 15 down straight away into their trust for them to start proceedings. So until that happens, I literally can't do anything. And the worst thing is just me. I'm trying to save now, but the longer I'm trying to save and put money away is the longer I'm missing out on seeing my kids because I need to be little. And at the moment, I've got no no contact with them. So, Yes. I'm trying to do stuff to sort of get get him back. Yeah. Yep. But I've got so in my with my super, I've got something like that, don't I? I've got a cash thing, don't I? Yep. Yep. Oh, no. I'm pretty good at saving. I've got I've got savings now in my with my bank. Yes. I've got a savings account where I can't access money from. So I put money in it and I can't access it unless I go to the bank to get it out, which makes it better for me. Yeah. I think I've got about I think I'm I think I'm around 6, maybe $7 at the moment. Yeah. Because I'm I'm I I recently bought a a car this one not long ago, and it possibly it possibly 16. So yeah. So I think no. No. No. No. But I'll pay I paid it outright. Yeah. Okay. No worries. No. It's just I'm just I'm just focused to do yeah. If I can sort this out, once this gets sorted, then I can still put away stuff for hopefully in in the, you know, next few years, I'll be able to save up enough more to obviously get a hell of a sudden. I don't have to go through this stuff. I could use that. The money I'm using for these court fees, I could, you know, put down to a house deposit and all that sort of stuff. But it is it is what it is these days. So yeah. Yeah. Hello? I'm not getting access at the moment. Yep. Okay. No. No. I just looked in. I was just looking in my pen now. That's correct. Yeah. Yeah. You know what? Whatever you have to do, like, we can do. Yes. That's fine. Okay. Yep. Yep. Okay. Okay. I'm sorry. How much what what was my life insurance cover? Okay. So if something's happened to me, that's what that's what they told me my kids would get. Is that what it is? I thought I had I thought I had more. I thought I had a I thought I thought I had a cover that was up to, like, almost an I I I thought I had a million I'm I'm on I'm on like, a million dollar cover. Not at the moment. It's for another one. It's a little bit weird even at the moment. Yeah. I just I was I was just trying to think of it. Yeah. No worries. Yep. Okay. Yes. Okay. Yes. Yes. Okay. Yeah. Kind of a rebate. I've got nothing that's come through from I've got nothing in my tank, whatever. Mhmm. Yes. What I was what I was gonna do because I was gonna ask to at one stage, my my throughput came down to, like, I think it was about 20 121 or something when when the thing was going on. I was trying to see if I could take some of my stocks off the off the ones off the Aussie I think it was Aussie market one was crashing the most. It had the biggest loss. But I was gonna try and see if I can move it to the gold market, those Aussie stocks. Okay. Yep. Yep. Yep. Yeah. Mhmm. Yep. Yep. Yeah. Mhmm. Yep. Okay. Yes. Okay. Yes. Okay. Sorry. I'm over here. Yeah. Good evening. Yeah. Yeah. Sorry. I was just in the car. Yeah. Yeah. That's fine. Yep. No worries. Okay. Okay. No worries. Mhmm. Okay. Yep. See. No worries. No. That's all I've got. My mom's got a she's got a solicitor that does all her stuff, so I'll use the same one. Yeah. Alright. Thanks a lot. You too, and I have a good 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your name and reason for calling, I'll see if this person is available. Hello? Speaking. Good. Love yourself.\n\nExcuse me. Yep. Yes. That's fine. Sorry.\n\nDecember, it's 04/1984. I guess it's 33 Cullowy Street inside. Yep. Yeah. I'm just at work.\n\nThat's okay. I'm alright because I'm just waiting for the call. I just wanted to sort of find out with because I so on my with my that's probably to do with my super, isn't it? So I have to go through my super stuff. So, like, I wanna try and see, like, my next of kin and what like, if anything happens, like, who who I put in place and stuff.\n\nOkay. Mhmm. Yep. Okay. Yes.\n\nSo I was I wanted to sort of leave it to my kids. So it really happens to me. I want it to go to my kids. Yeah. No.\n\nThey're only young, but so that's what I'm trying to work out. How do I do it? Or can I put someone in place to help us so the metro goes to my kids? Okay. Not no.\n\nNot at the moment. No. Yep. Yes. Yes.\n\nYep. Mhmm. Yep. Yes. That's it.\n\nNo worries. No. Well, I'm probably gonna get a trust organized anyways and probably try and move everything into a trust. So yeah. Can I get it posted to me for if I can?\n\nCan I get it posted to can I change the the postal address? Yep. Can I put it under 21 Monterey Street? It's M 0 N T T E R E Y Street, South South Whitworthille. South Wentworthille Wentworthille, W E N T W 0 R T H V I, L L, E, Whitlandville.\n\n2145. Everything as you can. Oh, that yeah. You can do everything. Yeah.\n\nJust do everything. That's fine. Yep. Yep. That's fine.\n\nYep. Yep. No worries. Yes. Yeah.\n\nI'm I'm single now. I'll say put single if you want. Yep. Yep. I'll put I'll put one I'll put my mom here at the moment.\n\nIt's Mary. The last name is 0430 582 8890. What's the rate? Yes. Yes.\n\nI'm still in this. Yes. Fulton Hogan. I've been well, we now do So it's been about eight months here. Yeah.\n\nYeah. It's good. I've done I've done what I'm doing what I'll do for work, I've been doing it for the last twenty six years. So it just I I was I was working for myself for a little bit, then I was working for other people, and I was subbing. So yeah.\n\nNow I just work for a company now. It's a bit easier. Full time. Yes. See, I don't because I do shift work.\n\nIt varies. Because at the moment, I've been on night shift. So, like, if I'm on night if I'm on night shift for a whole year, I can earn anywhere between 100 to 150,000. If I'm on day shift, it should be anywhere from about 80 to about $1.20. So Yeah.\n\nThat's correct. That's correct. Yes. Oh, I think I think they just do the standard. You know, I haven't oh, yeah.\n\nYeah. Mhmm. I think I'm I think they just paid off my base because I'm not sure if it changes of I I I have to look at my pay slip. I'm just thinking they paid off my base. That's it.\n\nBut yeah. Mhmm. Yeah. Yeah. The only problem is if I'm on nights if I'm on nights, I I think they're paying off my night shift base.\n\nSo it'd be a higher rate. Yeah. Yeah. No worries. No worries.\n\nNo. I don't have any assets anymore, so no assets. Nope. Welcome. No.\n\nNope. I think not tonight. And I very rarely had a drink over or anything like that. No. Yes.\n\nYes. I get I copy every year. But how I see it is if if I'm if I'm paying for health insurance or private health, it pretty much is the same as what they take off from a medical lately anyway. So it's almost yeah. Yeah.\n\nOh, yeah. Sorry. No. No. No.\n\nNo. Just me. That's correct. Yes. Yeah.\n\nI'm still doing the same thing. Just going through, yeah, a bit of a separation of my kid's mom and stuff. So I'm going through a bit of that at the moment. That's actually I wanted to find out. So I've gotta go through I've gotta go through child court and stuff.\n\nMy kids, so to do the custody stuff. Am I able to use Super to help me pay for my legal fees or you can't do that? Okay. Yeah. I'm not really in a it's not saying I'm in a hardship.\n\nIt's more for me to go for custody, I'm gonna pay $30,000 to be able to be able to see my kids again. Because the only way I could do it is to get a court order. To get a court order, I have to because I work, I have to pay for my legal fees, which is looking around the $30,000 month. Well, see this oh, this is what I was trying to look into. So I thought maybe I'll see if if I can get if I can get somebody out of my super.\n\nI'll get say if I can get if I can get 15 or 20 out of my super, at least I can put that towards and then why it's why because obviously, the league the the the family court stuff goes on for a while. I can probably save save up the last bill I have to pay for it before the courts obviously would be finished. So I have to I have to put I have to put $15,000 down to my to the family court, the lawyers so then they can start proceedings and then push things straight to the court hearings and stuff like that. So I've got to put that down straight away. So I was gonna put 20 down and then at least then if it's they say, look, it's another 5 or another 10, I can probably save that by the time it gets all processed.\n\nK. That's alright. But yeah. Can you send me the that's on my Yep. Yep.\n\nYes. Yeah. I don't I don't think I'll be able to get away for that much. I know that. Yeah.\n\nSo yeah. No. See, they do, but the problem is I've gotta put I've gotta put 15 down straight away into their trust for them to start proceedings. So until that happens, I literally can't do anything. And the worst thing is just me.\n\nI'm trying to save now, but the longer I'm trying to save and put money away is the longer I'm missing out on seeing my kids because I need to be little. And at the moment, I've got no no contact with them. So, Yes. I'm trying to do stuff to sort of get get him back. Yeah.\n\nYep. But I've got so in my with my super, I've got something like that, don't I? I've got a cash thing, don't I? Yep. Yep.\n\nOh, no. I'm pretty good at saving. I've got I've got savings now in my with my bank. Yes. I've got a savings account where I can't access money from.\n\nSo I put money in it and I can't access it unless I go to the bank to get it out, which makes it better for me. Yeah. I think I've got about I think I'm I think I'm around 6, maybe $7 at the moment. Yeah. Because I'm I'm I I recently bought a a car this one not long ago, and it possibly it possibly 16.\n\nSo yeah. So I think no. No. No. No.\n\nBut I'll pay I paid it outright. Yeah. Okay. No worries. No.\n\nIt's just I'm just I'm just focused to do yeah. If I can sort this out, once this gets sorted, then I can still put away stuff for hopefully in in the, you know, next few years, I'll be able to save up enough more to obviously get a hell of a sudden. I don't have to go through this stuff. I could use that. The money I'm using for these court fees, I could, you know, put down to a house deposit and all that sort of stuff.\n\nBut it is it is what it is these days. So yeah. Yeah. Hello? I'm not getting access at the moment.\n\nYep. Okay. No. No. I just looked in.\n\nI was just looking in my pen now. That's correct. Yeah. Yeah. You know what?\n\nWhatever you have to do, like, we can do. Yes. That's fine. Okay. Yep.\n\nYep. Okay. Okay. I'm sorry. How much what what was my life insurance cover?\n\nOkay. So if something's happened to me, that's what that's what they told me my kids would get. Is that what it is? I thought I had I thought I had more. I thought I had a I thought I thought I had a cover that was up to, like, almost an I I I thought I had a million I'm I'm on I'm on like, a million dollar cover.\n\nNot at the moment. It's for another one. It's a little bit weird even at the moment. Yeah. I just I was I was just trying to think of it.\n\nYeah. No worries. Yep. Okay. Yes.\n\nOkay. Yes. Yes. Okay. Yeah.\n\nKind of a rebate. I've got nothing that's come through from I've got nothing in my tank, whatever. Mhmm. Yes. What I was what I was gonna do because I was gonna ask to at one stage, my my throughput came down to, like, I think it was about 20 121 or something when when the thing was going on.\n\nI was trying to see if I could take some of my stocks off the off the ones off the Aussie I think it was Aussie market one was crashing the most. It had the biggest loss. But I was gonna try and see if I can move it to the gold market, those Aussie stocks. Okay. Yep.\n\nYep. Yep. Yeah. Mhmm. Yep.\n\nYep. Yeah. Mhmm. Yep. Okay.\n\nYes. Okay. Yes. Okay. Sorry.\n\nI'm over here. Yeah. Good evening. Yeah. Yeah.\n\nSorry. I was just in the car. Yeah. Yeah. That's fine.\n\nYep. No worries. Okay. Okay. No worries.\n\nMhmm. Okay. Yep. See. No worries.\n\nNo. That's all I've got. My mom's got a she's got a solicitor that does all her stuff, so I'll use the same one. Yeah. Alright.\n\nThanks a lot. You too, and I have a good day.","paragraphs":[{"sentences":[{"text":"For your name and reason for calling, I'll see if this person is available.","start":0.32,"end":4.18,"sentiment":"neutral","sentiment_score":0.015376494798277105},{"text":"Hello?","start":8.08,"end":8.58,"sentiment":"neutral","sentiment_score":0.030873820185661316},{"text":"Speaking.","start":11.599999,"end":12.099999,"sentiment":"neutral","sentiment_score":0.056407902389764786},{"text":"Good.","start":15.335,"end":15.835,"sentiment":"positive","sentiment_score":0.5340869426727295},{"text":"Love yourself.","start":16.055,"end":16.715,"sentiment":"positive","sentiment_score":0.5721974670886993}],"sentiment":"neutral","sentiment_score":0.10426497508428599,"num_words":19,"start":0.32,"end":16.715},{"sentences":[{"text":"Excuse me.","start":18.375,"end":19.195,"sentiment":"neutral","sentiment_score":0.0754421018064022},{"text":"Yep.","start":23.415,"end":23.915,"sentiment":"neutral","sentiment_score":0.0867902860045433},{"text":"Yes.","start":38.85,"end":39.01,"sentiment":"neutral","sentiment_score":0.13926948606967926},{"text":"That's fine.","start":39.01,"end":39.489998,"sentiment":"neutral","sentiment_score":0.13666561245918274},{"text":"Sorry.","start":39.489998,"end":39.989998,"sentiment":"neutral","sentiment_score":0.06252152472734451}],"sentiment":"neutral","sentiment_score":0.10182810361896243,"num_words":7,"start":18.375,"end":39.989998},{"sentences":[{"text":"December, it's 04/1984.","start":51.855,"end":54.18,"sentiment":"neutral","sentiment_score":0.007254434283822775},{"text":"I guess it's 33 Cullowy Street inside.","start":54.66,"end":56.84,"sentiment":"neutral","sentiment_score":0.025927139446139336},{"text":"Yep.","start":67.62,"end":68.12,"sentiment":"neutral","sentiment_score":0.0036900057457387447},{"text":"Yeah.","start":72.515,"end":72.675,"sentiment":"neutral","sentiment_score":-0.013682564720511436},{"text":"I'm just at work.","start":72.675,"end":73.555,"sentiment":"neutral","sentiment_score":-0.013563206419348717}],"sentiment":"neutral","sentiment_score":0.008687993395142257,"num_words":16,"start":51.855,"end":73.555},{"sentences":[{"text":"That's okay.","start":73.555,"end":74.375,"sentiment":"neutral","sentiment_score":0.05218363553285599},{"text":"I'm alright because I'm just waiting for the call.","start":74.595,"end":76.695,"sentiment":"neutral","sentiment_score":0.09062443011336857},{"text":"I just wanted to sort of find out with because I so on my with my that's probably to do with my super, isn't it?","start":94.65,"end":102.854996,"sentiment":"neutral","sentiment_score":-0.06084780976176262},{"text":"So I have to go through my super stuff.","start":102.854996,"end":104.715,"sentiment":"neutral","sentiment_score":-0.07583552019463645},{"text":"So, like, I wanna try and see, like, my next of kin and what like, if anything happens, like, who who I put in place and stuff.","start":105.415,"end":113.195,"sentiment":"neutral","sentiment_score":0.014737275739510855}],"sentiment":"neutral","sentiment_score":-0.012303074149207937,"num_words":72,"start":73.555,"end":113.195},{"sentences":[{"text":"Okay.","start":115.84,"end":116.34,"sentiment":"neutral","sentiment_score":0.10874920338392258},{"text":"Mhmm.","start":127.28,"end":127.78,"sentiment":"neutral","sentiment_score":0.13469372689723969},{"text":"Yep.","start":133.295,"end":133.795,"sentiment":"neutral","sentiment_score":0.26730379462242126},{"text":"Okay.","start":135.295,"end":135.615,"sentiment":"neutral","sentiment_score":0.17643584311008453},{"text":"Yes.","start":135.615,"end":136.115,"sentiment":"neutral","sentiment_score":0.15567108988761902}],"sentiment":"neutral","sentiment_score":0.16857073158025743,"num_words":5,"start":115.84,"end":136.115},{"sentences":[{"text":"So I was I wanted to sort of leave it to my kids.","start":139.375,"end":141.615,"sentiment":"neutral","sentiment_score":0.07634481128591758},{"text":"So it really happens to me.","start":141.615,"end":142.62,"sentiment":"neutral","sentiment_score":0.14594738061229387},{"text":"I want it to go to my kids.","start":142.62,"end":144.04,"sentiment":"neutral","sentiment_score":0.2163673471659422},{"text":"Yeah.","start":145.38,"end":145.88,"sentiment":"neutral","sentiment_score":0.03226378560066223},{"text":"No.","start":146.9,"end":147.14,"sentiment":"neutral","sentiment_score":-0.06732170283794403}],"sentiment":"neutral","sentiment_score":0.12289819622348094,"num_words":29,"start":139.375,"end":147.14},{"sentences":[{"text":"They're only young, but so that's what I'm trying to work out.","start":147.14,"end":149.14,"sentiment":"neutral","sentiment_score":-0.031115548219531775},{"text":"How do I do it?","start":149.14,"end":150.18,"sentiment":"neutral","sentiment_score":0.017952295392751692},{"text":"Or can I put someone in place to help us so the metro goes to my kids?","start":150.18,"end":154.755,"sentiment":"neutral","sentiment_score":0.07043994809774791},{"text":"Okay.","start":162.35501,"end":162.85501,"sentiment":"neutral","sentiment_score":0.1560887098312378},{"text":"Not no.","start":169.65001,"end":170.13,"sentiment":"neutral","sentiment_score":-0.12079554051160814}],"sentiment":"neutral","sentiment_score":0.022387882291867927,"num_words":37,"start":147.14,"end":170.13},{"sentences":[{"text":"Not at the moment.","start":170.13,"end":170.93001,"sentiment":"neutral","sentiment_score":-0.15518113411962986},{"text":"No.","start":170.93001,"end":171.43001,"sentiment":"neutral","sentiment_score":-0.14456181228160858},{"text":"Yep.","start":189.535,"end":190.035,"sentiment":"neutral","sentiment_score":0.05570242926478386},{"text":"Yes.","start":194.175,"end":194.495,"sentiment":"neutral","sentiment_score":0.07062116265296936},{"text":"Yes.","start":194.495,"end":194.815,"sentiment":"neutral","sentiment_score":0.12141243368387222}],"sentiment":"neutral","sentiment_score":-0.06469379039481282,"num_words":8,"start":170.13,"end":194.815},{"sentences":[{"text":"Yep.","start":194.815,"end":195.18,"sentiment":"neutral","sentiment_score":0.12853163480758667},{"text":"Mhmm.","start":199.73999,"end":200.23999,"sentiment":"neutral","sentiment_score":0.06473730504512787},{"text":"Yep.","start":235.84999,"end":236.17,"sentiment":"neutral","sentiment_score":0.12552738189697266},{"text":"Yes.","start":236.17,"end":236.56999,"sentiment":"neutral","sentiment_score":0.19154205918312073},{"text":"That's it.","start":236.56999,"end":237.23,"sentiment":"neutral","sentiment_score":0.22128044068813324}],"sentiment":"neutral","sentiment_score":0.15881654371817908,"num_words":6,"start":194.815,"end":237.23},{"sentences":[{"text":"No worries.","start":265.02502,"end":265.505,"sentiment":"neutral","sentiment_score":-0.018389000557363033},{"text":"No.","start":265.505,"end":265.665,"sentiment":"neutral","sentiment_score":-0.005851654335856438},{"text":"Well, I'm probably gonna get a trust organized anyways and probably try and move everything into a trust.","start":265.665,"end":269.98502,"sentiment":"neutral","sentiment_score":0.06344755035307673},{"text":"So yeah.","start":269.98502,"end":276.405,"sentiment":"neutral","sentiment_score":0.08517855033278465},{"text":"Can I get it posted to me for if I can?","start":283.45,"end":286.19,"sentiment":"neutral","sentiment_score":0.024840484457937153}],"sentiment":"neutral","sentiment_score":0.04538319648846107,"num_words":34,"start":265.02502,"end":286.19},{"sentences":[{"text":"Can I get it posted to can I change the the postal address?","start":286.49,"end":290.745,"sentiment":"neutral","sentiment_score":0.0207551340214335},{"text":"Yep.","start":292.585,"end":293.065,"sentiment":"neutral","sentiment_score":0.03728260472416878},{"text":"Can I put it under 21 Monterey Street?","start":293.065,"end":297.625,"sentiment":"neutral","sentiment_score":0.024265553569421172},{"text":"It's M 0 N T T E R E Y Street, South South Whitworthille.","start":297.625,"end":306.42,"sentiment":"neutral","sentiment_score":0.010296458777572428},{"text":"South Wentworthille Wentworthille, W E N T W 0 R T H V I, L L, E, Whitlandville.","start":308.88,"end":318.865,"sentiment":"neutral","sentiment_score":0.015673439561699826}],"sentiment":"neutral","sentiment_score":0.017175853899162676,"num_words":54,"start":286.49,"end":318.865},{"sentences":[{"text":"2145.","start":323.005,"end":324.465,"sentiment":"neutral","sentiment_score":0.011075968854129314},{"text":"Everything as you can.","start":336.73,"end":337.85,"sentiment":"neutral","sentiment_score":0.10470732487738132},{"text":"Oh, that yeah.","start":337.85,"end":339.37,"sentiment":"neutral","sentiment_score":0.08800792197386424},{"text":"You can do everything.","start":339.37,"end":340.09,"sentiment":"neutral","sentiment_score":0.17151617258787155},{"text":"Yeah.","start":340.09,"end":340.17,"sentiment":"neutral","sentiment_score":0.16378378868103027}],"sentiment":"neutral","sentiment_score":0.11875211640905875,"num_words":13,"start":323.005,"end":340.17},{"sentences":[{"text":"Just do everything.","start":340.17,"end":340.99,"sentiment":"neutral","sentiment_score":0.18614131212234497},{"text":"That's fine.","start":341.05,"end":341.79,"sentiment":"neutral","sentiment_score":0.23107846081256866},{"text":"Yep.","start":342.57,"end":343.07,"sentiment":"neutral","sentiment_score":0.10214488208293916},{"text":"Yep.","start":343.29,"end":343.53,"sentiment":"neutral","sentiment_score":0.11142201721668243},{"text":"That's fine.","start":343.53,"end":344.27,"sentiment":"neutral","sentiment_score":0.18890927731990814}],"sentiment":"neutral","sentiment_score":0.17910736799240112,"num_words":9,"start":340.17,"end":344.27},{"sentences":[{"text":"Yep.","start":344.89,"end":345.39,"sentiment":"neutral","sentiment_score":0.17774969339370728},{"text":"Yep.","start":367.88,"end":368.38,"sentiment":"positive","sentiment_score":0.4273965358734131},{"text":"No worries.","start":390.43,"end":391.01,"sentiment":"neutral","sentiment_score":0.059577666223049164},{"text":"Yes.","start":397.55,"end":398.05,"sentiment":"neutral","sentiment_score":-0.005345785059034824},{"text":"Yeah.","start":401.60498,"end":401.845,"sentiment":"neutral","sentiment_score":-0.019082916900515556}],"sentiment":"neutral","sentiment_score":0.11664547662561138,"num_words":6,"start":344.89,"end":401.845},{"sentences":[{"text":"I'm I'm single now.","start":401.845,"end":402.965,"sentiment":"neutral","sentiment_score":-0.051945789717137814},{"text":"I'll say put single if you want.","start":402.965,"end":404.585,"sentiment":"neutral","sentiment_score":-0.018830905934529647},{"text":"Yep.","start":405.76498,"end":406.26498,"sentiment":"neutral","sentiment_score":0.10306408256292345},{"text":"Yep.","start":423.35,"end":423.67,"sentiment":"neutral","sentiment_score":0.004055739846080542},{"text":"I'll put I'll put one I'll put my mom here at the moment.","start":423.67,"end":428.755,"sentiment":"neutral","sentiment_score":0.010172374224146971}],"sentiment":"neutral","sentiment_score":-0.003855338964897853,"num_words":26,"start":401.845,"end":428.755},{"sentences":[{"text":"It's Mary.","start":430.575,"end":431.475,"sentiment":"neutral","sentiment_score":0.06846423260867596},{"text":"The last name is 0430 582 8890.","start":436.73502,"end":450.255,"sentiment":"neutral","sentiment_score":0.025057476279991015},{"text":"What's the rate?","start":452.975,"end":453.535,"sentiment":"neutral","sentiment_score":0.00966752041131258},{"text":"Yes.","start":453.535,"end":454.035,"sentiment":"neutral","sentiment_score":0.03634028881788254},{"text":"Yes.","start":463.695,"end":463.935,"sentiment":"neutral","sentiment_score":0.017666440457105637}],"sentiment":"neutral","sentiment_score":0.028238577834729637,"num_words":14,"start":430.575,"end":463.935},{"sentences":[{"text":"I'm still in this.","start":463.935,"end":464.73502,"sentiment":"neutral","sentiment_score":0.018649519653990865},{"text":"Yes.","start":464.73502,"end":465.03,"sentiment":"neutral","sentiment_score":0.04706362634897232},{"text":"Fulton Hogan.","start":469.59,"end":475.22998,"sentiment":"neutral","sentiment_score":0.01987851783633232},{"text":"I've been well, we now do So it's been about eight months here.","start":475.22998,"end":484.875,"sentiment":"neutral","sentiment_score":0.017002273350954056},{"text":"Yeah.","start":484.875,"end":485.375,"sentiment":"neutral","sentiment_score":0.02298561856150627}],"sentiment":"neutral","sentiment_score":0.019306376798167116,"num_words":21,"start":463.935,"end":485.375},{"sentences":[{"text":"Yeah.","start":485.835,"end":486.075,"sentiment":"neutral","sentiment_score":0.1620270311832428},{"text":"It's good.","start":486.075,"end":486.635,"sentiment":"positive","sentiment_score":0.35631178319454193},{"text":"I've done I've done what I'm doing what I'll do for work, I've been doing it for the last twenty six years.","start":486.635,"end":491.455,"sentiment":"neutral","sentiment_score":0.1429352784021334},{"text":"So it just I I was I was working for myself for a little bit, then I was working for other people, and I was subbing.","start":491.835,"end":498.24,"sentiment":"neutral","sentiment_score":-0.013390795471003423},{"text":"So yeah.","start":498.24,"end":498.98,"sentiment":"neutral","sentiment_score":0.028077727183699608}],"sentiment":"neutral","sentiment_score":0.07032493385925608,"num_words":53,"start":485.835,"end":498.98},{"sentences":[{"text":"Now I just work for a company now.","start":499.04,"end":500.56,"sentiment":"neutral","sentiment_score":0.27662750519812107},{"text":"It's a bit easier.","start":500.56,"end":501.38,"sentiment":"positive","sentiment_score":0.49834392964839935},{"text":"Full time.","start":504.16,"end":504.8,"sentiment":"neutral","sentiment_score":0.24597593396902084},{"text":"Yes.","start":504.8,"end":505.3,"sentiment":"neutral","sentiment_score":0.2252518534660339},{"text":"See, I don't because I do shift work.","start":510.39502,"end":512.395,"sentiment":"neutral","sentiment_score":-0.05157397547736764}],"sentiment":"neutral","sentiment_score":0.19613076859842177,"num_words":23,"start":499.04,"end":512.395},{"sentences":[{"text":"It varies.","start":512.395,"end":513.135,"sentiment":"neutral","sentiment_score":-0.08860523998737335},{"text":"Because at the moment, I've been on night shift.","start":513.675,"end":515.835,"sentiment":"neutral","sentiment_score":0.028313142971860036},{"text":"So, like, if I'm on night if I'm on night shift for a whole year, I can earn anywhere between 100 to 150,000.","start":515.835,"end":524.12,"sentiment":"neutral","sentiment_score":0.06467107877783153},{"text":"If I'm on day shift, it should be anywhere from about 80 to about $1.20.","start":524.12,"end":527.98,"sentiment":"neutral","sentiment_score":0.04003013024727504},{"text":"So Yeah.","start":529.56,"end":535.945,"sentiment":"neutral","sentiment_score":0.040223706513643265}],"sentiment":"neutral","sentiment_score":0.044038078145069236,"num_words":51,"start":512.395,"end":535.945},{"sentences":[{"text":"That's correct.","start":543.15,"end":544.05005,"sentiment":"neutral","sentiment_score":0.06041459180414677},{"text":"That's correct.","start":545.71,"end":546.27,"sentiment":"neutral","sentiment_score":0.1201515942811966},{"text":"Yes.","start":546.27,"end":546.77,"sentiment":"neutral","sentiment_score":0.17191405594348907},{"text":"Oh, I think I think they just do the standard.","start":558.85504,"end":560.775,"sentiment":"neutral","sentiment_score":-0.009999552369117736},{"text":"You know, I haven't oh, yeah.","start":560.775,"end":562.23505,"sentiment":"neutral","sentiment_score":-0.027225469549496967}],"sentiment":"neutral","sentiment_score":0.01284276605361984,"num_words":21,"start":543.15,"end":562.23505},{"sentences":[{"text":"Yeah.","start":568.775,"end":568.935,"sentiment":"neutral","sentiment_score":0.00016700103878974917},{"text":"Mhmm.","start":568.935,"end":569.435,"sentiment":"neutral","sentiment_score":-0.005897159222513437},{"text":"I think I'm I think they just paid off my base because I'm not sure if it changes of I I I have to look at my pay slip.","start":578.33997,"end":586.295,"sentiment":"neutral","sentiment_score":-0.08307501532394311},{"text":"I'm just thinking they paid off my base.","start":586.295,"end":588.235,"sentiment":"neutral","sentiment_score":-0.05241813091561198},{"text":"That's it.","start":588.855,"end":589.675,"sentiment":"neutral","sentiment_score":-0.02125873975455761}],"sentiment":"neutral","sentiment_score":-0.07016507632712402,"num_words":41,"start":568.775,"end":589.675},{"sentences":[{"text":"But yeah.","start":589.89496,"end":590.795,"sentiment":"neutral","sentiment_score":-0.01845394354313612},{"text":"Mhmm.","start":595.415,"end":595.915,"sentiment":"neutral","sentiment_score":-0.03486884385347366},{"text":"Yeah.","start":603.69,"end":603.89,"sentiment":"neutral","sentiment_score":-0.0010985732078552246},{"text":"Yeah.","start":603.89,"end":604.08997,"sentiment":"neutral","sentiment_score":-0.03152938932180405},{"text":"The only problem is if I'm on nights if I'm on nights, I I think they're paying off my night shift base.","start":604.08997,"end":608.91,"sentiment":"neutral","sentiment_score":-0.16526758196679028}],"sentiment":"neutral","sentiment_score":-0.13852931469402932,"num_words":27,"start":589.89496,"end":608.91},{"sentences":[{"text":"So it'd be a higher rate.","start":610.88995,"end":612.345,"sentiment":"neutral","sentiment_score":-0.11175520718097687},{"text":"Yeah.","start":612.58496,"end":613.08496,"sentiment":"neutral","sentiment_score":0.037975654006004333},{"text":"Yeah.","start":614.26495,"end":614.76495,"sentiment":"neutral","sentiment_score":0.2706630825996399},{"text":"No worries.","start":618.26495,"end":618.425,"sentiment":"neutral","sentiment_score":0.08169646561145782},{"text":"No worries.","start":618.425,"end":619.00494,"sentiment":"neutral","sentiment_score":0.05043266527354717}],"sentiment":"neutral","sentiment_score":-0.008136187059183916,"num_words":12,"start":610.88995,"end":619.00494},{"sentences":[{"text":"No.","start":623.785,"end":624.285,"sentiment":"neutral","sentiment_score":-0.2065473347902298},{"text":"I don't have any assets anymore, so no assets.","start":633.34,"end":635.6,"sentiment":"neutral","sentiment_score":-0.06835241036282645},{"text":"Nope.","start":641.98,"end":642.3,"sentiment":"neutral","sentiment_score":-0.02507547289133072},{"text":"Welcome.","start":642.3,"end":642.8,"sentiment":"neutral","sentiment_score":0.016840098425745964},{"text":"No.","start":648.755,"end":649.15497,"sentiment":"neutral","sentiment_score":-0.12014798820018768}],"sentiment":"neutral","sentiment_score":-0.07308479928626464,"num_words":13,"start":623.785,"end":649.15497},{"sentences":[{"text":"Nope.","start":649.15497,"end":649.475,"sentiment":"neutral","sentiment_score":-0.12468618154525755},{"text":"I think not tonight.","start":649.475,"end":650.45496,"sentiment":"neutral","sentiment_score":-0.12648545764386654},{"text":"And I very rarely had a drink over or anything like that.","start":650.675,"end":654.535,"sentiment":"neutral","sentiment_score":-0.1084670831138889},{"text":"No.","start":666.98,"end":667.48,"sentiment":"neutral","sentiment_score":-0.07815328240394592},{"text":"Yes.","start":678.995,"end":679.495,"sentiment":"neutral","sentiment_score":0.020162444561719894}],"sentiment":"neutral","sentiment_score":-0.10474862354366403,"num_words":19,"start":649.15497,"end":679.495},{"sentences":[{"text":"Yes.","start":680.73,"end":681.05,"sentiment":"neutral","sentiment_score":0.09868302941322328},{"text":"I get I copy every year.","start":681.05,"end":683.07,"sentiment":"neutral","sentiment_score":0.05349018486837546},{"text":"But how I see it is if if I'm if I'm paying for health insurance or private health, it pretty much is the same as what they take off from a medical lately anyway.","start":685.61,"end":695.03503,"sentiment":"neutral","sentiment_score":-0.08026268941295497},{"text":"So it's almost yeah.","start":695.03503,"end":703.215,"sentiment":"neutral","sentiment_score":-0.030469004064798355},{"text":"Yeah.","start":706.795,"end":707.295,"sentiment":"neutral","sentiment_score":0.19679515063762665}],"sentiment":"neutral","sentiment_score":-0.048573655805186085,"num_words":46,"start":680.73,"end":707.295},{"sentences":[{"text":"Oh, yeah.","start":724.625,"end":734.705,"sentiment":"neutral","sentiment_score":-0.03600386809557676},{"text":"Sorry.","start":734.705,"end":735.205,"sentiment":"neutral","sentiment_score":-0.05477817729115486},{"text":"No.","start":739.6,"end":739.92,"sentiment":"neutral","sentiment_score":-0.08093228936195374},{"text":"No.","start":739.92,"end":740.16,"sentiment":"neutral","sentiment_score":-0.11641186475753784},{"text":"No.","start":740.16,"end":740.66,"sentiment":"neutral","sentiment_score":-0.1630019247531891}],"sentiment":"neutral","sentiment_score":-0.08118866539249818,"num_words":6,"start":724.625,"end":740.66},{"sentences":[{"text":"No.","start":741.27997,"end":741.6,"sentiment":"neutral","sentiment_score":-0.2227413505315781},{"text":"Just me.","start":741.6,"end":742.33997,"sentiment":"neutral","sentiment_score":0.227975033223629},{"text":"That's correct.","start":763.0,"end":763.64,"sentiment":"neutral","sentiment_score":0.19802646338939667},{"text":"Yes.","start":763.64,"end":764.14,"sentiment":"neutral","sentiment_score":0.11937673389911652},{"text":"Yeah.","start":764.68005,"end":764.92004,"sentiment":"neutral","sentiment_score":0.22813208401203156}],"sentiment":"neutral","sentiment_score":0.13953863722937448,"num_words":7,"start":741.27997,"end":764.92004},{"sentences":[{"text":"I'm still doing the same thing.","start":764.92004,"end":766.46,"sentiment":"neutral","sentiment_score":0.2489377831419309},{"text":"Just going through, yeah, a bit of a separation of my kid's mom and stuff.","start":766.76,"end":771.56,"sentiment":"neutral","sentiment_score":-0.0845587782561779},{"text":"So I'm going through a bit of that at the moment.","start":771.56,"end":773.415,"sentiment":"neutral","sentiment_score":-0.08611831373789093},{"text":"That's actually I wanted to find out.","start":773.57495,"end":775.435,"sentiment":"neutral","sentiment_score":-0.050559121051004956},{"text":"So I've gotta go through I've gotta go through child court and stuff.","start":775.975,"end":779.27496,"sentiment":"neutral","sentiment_score":-0.12814541161060333}],"sentiment":"neutral","sentiment_score":-0.052728088930822335,"num_words":52,"start":764.92004,"end":779.27496},{"sentences":[{"text":"My kids, so to do the custody stuff.","start":780.295,"end":783.035,"sentiment":"neutral","sentiment_score":-0.10042370483279228},{"text":"Am I able to use Super to help me pay for my legal fees or you can't do that?","start":784.21497,"end":789.47,"sentiment":"neutral","sentiment_score":-0.03418709847487902},{"text":"Okay.","start":793.61,"end":794.11,"sentiment":"neutral","sentiment_score":-0.04175611585378647},{"text":"Yeah.","start":803.29504,"end":803.455,"sentiment":"neutral","sentiment_score":-0.08850375562906265},{"text":"I'm not really in a it's not saying I'm in a hardship.","start":803.455,"end":806.11505,"sentiment":"neutral","sentiment_score":-0.19100113833944002}],"sentiment":"neutral","sentiment_score":-0.09451751320100413,"num_words":41,"start":780.295,"end":806.11505},{"sentences":[{"text":"It's more for me to go for custody, I'm gonna pay $30,000 to be able to be able to see my kids again.","start":806.335,"end":814.56,"sentiment":"neutral","sentiment_score":-0.03025753488359244},{"text":"Because the only way I could do it is to get a court order.","start":815.92,"end":818.24,"sentiment":"neutral","sentiment_score":-0.12000265185322079},{"text":"To get a court order, I have to because I work, I have to pay for my legal fees, which is looking around the $30,000 month.","start":818.24,"end":825.46,"sentiment":"neutral","sentiment_score":-0.11761115663326703},{"text":"Well, see this oh, this is what I was trying to look into.","start":837.135,"end":839.375,"sentiment":"neutral","sentiment_score":-0.02918162741340124},{"text":"So I thought maybe I'll see if if I can get if I can get somebody out of my super.","start":839.375,"end":843.61,"sentiment":"neutral","sentiment_score":-0.06120156403630972}],"sentiment":"neutral","sentiment_score":-0.07330461393576115,"num_words":96,"start":806.335,"end":843.61},{"sentences":[{"text":"I'll get say if I can get if I can get 15 or 20 out of my super, at least I can put that towards and then why it's why because obviously, the league the the the family court stuff goes on for a while.","start":844.63,"end":855.755,"sentiment":"neutral","sentiment_score":0.04114795999808444},{"text":"I can probably save save up the last bill I have to pay for it before the courts obviously would be finished.","start":855.755,"end":862.735,"sentiment":"neutral","sentiment_score":0.061765026301145554},{"text":"So I have to I have to put I have to put $15,000 down to my to the family court, the lawyers so then they can start proceedings and then push things straight to the court hearings and stuff like that.","start":863.59503,"end":876.26996,"sentiment":"neutral","sentiment_score":0.04694080738941344},{"text":"So I've got to put that down straight away.","start":876.49,"end":878.01,"sentiment":"neutral","sentiment_score":0.11784013526307212},{"text":"So I was gonna put 20 down and then at least then if it's they say, look, it's another 5 or another 10, I can probably save that by the time it gets all processed.","start":878.01,"end":886.565,"sentiment":"neutral","sentiment_score":0.11589188857802322}],"sentiment":"neutral","sentiment_score":0.0674463105204172,"num_words":152,"start":844.63,"end":886.565},{"sentences":[{"text":"K.","start":888.065,"end":888.465,"sentiment":"neutral","sentiment_score":0.04517603293061256},{"text":"That's alright.","start":888.465,"end":889.28503,"sentiment":"neutral","sentiment_score":0.12176788598299026},{"text":"But yeah.","start":890.465,"end":891.61505,"sentiment":"neutral","sentiment_score":-0.2927487939596176},{"text":"Can you send me the that's on my Yep.","start":907.11,"end":918.715,"sentiment":"neutral","sentiment_score":-0.046200978776646986},{"text":"Yep.","start":920.295,"end":920.795,"sentiment":"neutral","sentiment_score":-0.008277762681245804}],"sentiment":"neutral","sentiment_score":-0.04805815697958072,"num_words":15,"start":888.065,"end":920.795},{"sentences":[{"text":"Yes.","start":944.545,"end":945.045,"sentiment":"neutral","sentiment_score":-0.02528628148138523},{"text":"Yeah.","start":967.01495,"end":967.415,"sentiment":"neutral","sentiment_score":-0.03500143438577652},{"text":"I don't I don't think I'll be able to get away for that much.","start":967.415,"end":970.055,"sentiment":"negative","sentiment_score":-0.39929474677358356},{"text":"I know that.","start":970.055,"end":970.795,"sentiment":"neutral","sentiment_score":-0.21747663617134094},{"text":"Yeah.","start":971.415,"end":971.735,"sentiment":"neutral","sentiment_score":0.02916436269879341}],"sentiment":"neutral","sentiment_score":-0.31368398582562806,"num_words":20,"start":944.545,"end":971.735},{"sentences":[{"text":"So yeah.","start":971.735,"end":973.035,"sentiment":"neutral","sentiment_score":0.05242612585425377},{"text":"No.","start":978.055,"end":978.555,"sentiment":"neutral","sentiment_score":-0.07064325362443924},{"text":"See, they do, but the problem is I've gotta put I've gotta put 15 down straight away into their trust for them to start proceedings.","start":978.79,"end":987.05,"sentiment":"neutral","sentiment_score":-0.29014599524438384},{"text":"So until that happens, I literally can't do anything.","start":987.91003,"end":990.41003,"sentiment":"negative","sentiment_score":-0.4938589202033149},{"text":"And the worst thing is just me.","start":991.84503,"end":993.84503,"sentiment":"negative","sentiment_score":-0.4320816227367946}],"sentiment":"negative","sentiment_score":-0.3338350573639301,"num_words":44,"start":971.735,"end":993.84503},{"sentences":[{"text":"I'm trying to save now, but the longer I'm trying to save and put money away is the longer I'm missing out on seeing my kids because I need to be little.","start":993.84503,"end":1000.66504,"sentiment":"negative","sentiment_score":-0.42185321589931846},{"text":"And at the moment, I've got no no contact with them.","start":1000.72504,"end":1003.54504,"sentiment":"neutral","sentiment_score":-0.2887102473865856},{"text":"So, Yes.","start":1004.565,"end":1006.21,"sentiment":"neutral","sentiment_score":-0.24694238603115082},{"text":"I'm trying to do stuff to sort of get get him back.","start":1006.21,"end":1008.95,"sentiment":"neutral","sentiment_score":-0.30605487028757733},{"text":"Yeah.","start":1010.77,"end":1011.27,"sentiment":"neutral","sentiment_score":-0.08642034232616425}],"sentiment":"negative","sentiment_score":-0.36082895151500044,"num_words":58,"start":993.84503,"end":1011.27},{"sentences":[{"text":"Yep.","start":1018.37,"end":1018.87,"sentiment":"neutral","sentiment_score":0.11281256377696992},{"text":"But I've got so in my with my super, I've got something like that, don't I?","start":1025.265,"end":1028.785,"sentiment":"neutral","sentiment_score":-0.08842578227631748},{"text":"I've got a cash thing, don't I?","start":1028.785,"end":1030.405,"sentiment":"neutral","sentiment_score":-0.10761097605739321},{"text":"Yep.","start":1038.74,"end":1039.24,"sentiment":"neutral","sentiment_score":0.09634312242269516},{"text":"Yep.","start":1051.1849,"end":1051.6849,"sentiment":"neutral","sentiment_score":0.13498561084270477}],"sentiment":"neutral","sentiment_score":-0.0701518481454024,"num_words":26,"start":1018.37,"end":1051.6849},{"sentences":[{"text":"Oh, no.","start":1053.745,"end":1054.225,"sentiment":"neutral","sentiment_score":-0.026103772222995758},{"text":"I'm pretty good at saving.","start":1054.225,"end":1055.265,"sentiment":"neutral","sentiment_score":0.15136146545410156},{"text":"I've got I've got savings now in my with my bank.","start":1055.265,"end":1057.765,"sentiment":"neutral","sentiment_score":0.02045172444460067},{"text":"Yes.","start":1057.985,"end":1058.225,"sentiment":"neutral","sentiment_score":0.0101015605032444},{"text":"I've got a savings account where I can't access money from.","start":1058.225,"end":1061.265,"sentiment":"neutral","sentiment_score":-0.05548474768346006}],"sentiment":"neutral","sentiment_score":0.010977936256676913,"num_words":30,"start":1053.745,"end":1061.265},{"sentences":[{"text":"So I put money in it and I can't access it unless I go to the bank to get it out, which makes it better for me.","start":1061.265,"end":1066.41,"sentiment":"neutral","sentiment_score":-0.016669931028176238},{"text":"Yeah.","start":1066.7101,"end":1067.2101,"sentiment":"neutral","sentiment_score":0.044123075902462006},{"text":"I think I've got about I think I'm I think I'm around 6, maybe $7 at the moment.","start":1070.4701,"end":1074.465,"sentiment":"neutral","sentiment_score":0.0029326101357582957},{"text":"Yeah.","start":1076.145,"end":1076.3049,"sentiment":"neutral","sentiment_score":0.027524162083864212},{"text":"Because I'm I'm I I recently bought a a car this one not long ago, and it possibly it possibly 16.","start":1076.3049,"end":1081.2849,"sentiment":"neutral","sentiment_score":0.03415776558575176}],"sentiment":"neutral","sentiment_score":0.005759693528970648,"num_words":68,"start":1061.265,"end":1081.2849},{"sentences":[{"text":"So yeah.","start":1081.4249,"end":1083.2849,"sentiment":"neutral","sentiment_score":0.013025525491684675},{"text":"So I think no.","start":1083.6649,"end":1086.705,"sentiment":"neutral","sentiment_score":-0.0026659814175218344},{"text":"No.","start":1086.705,"end":1086.865,"sentiment":"neutral","sentiment_score":-0.1003110259771347},{"text":"No.","start":1086.865,"end":1087.025,"sentiment":"neutral","sentiment_score":-0.10694819688796996},{"text":"No.","start":1087.025,"end":1087.1849,"sentiment":"neutral","sentiment_score":-0.1336665153503418}],"sentiment":"neutral","sentiment_score":-0.03617095698912939,"num_words":9,"start":1081.4249,"end":1087.1849},{"sentences":[{"text":"But I'll pay I paid it 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obviously get a hell of a sudden.","start":1151.74,"end":1162.085,"sentiment":"neutral","sentiment_score":0.23813611338304919},{"text":"I don't have to go through this stuff.","start":1162.085,"end":1163.205,"sentiment":"neutral","sentiment_score":0.16078753396868706},{"text":"I could use that.","start":1163.205,"end":1164.085,"sentiment":"neutral","sentiment_score":0.2852838411927223},{"text":"The money I'm using for these court fees, I could, you know, put down to a house deposit and all that sort of stuff.","start":1164.085,"end":1169.13,"sentiment":"neutral","sentiment_score":0.14316993361959854}],"sentiment":"neutral","sentiment_score":0.18497671620145942,"num_words":89,"start":1148.86,"end":1169.13},{"sentences":[{"text":"But it is it is what it is these days.","start":1169.61,"end":1171.53,"sentiment":"neutral","sentiment_score":0.2096561923623085},{"text":"So yeah.","start":1171.53,"end":1172.51,"sentiment":"neutral","sentiment_score":0.21823859214782715},{"text":"Yeah.","start":1178.65,"end":1179.15,"sentiment":"positive","sentiment_score":0.4160182476043701},{"text":"Hello?","start":1195.355,"end":1195.855,"sentiment":"neutral","sentiment_score":0.18920163810253143},{"text":"I'm not getting access at the 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now.","start":1263.51,"end":1265.385,"sentiment":"neutral","sentiment_score":-0.10788755398243666},{"text":"That's correct.","start":1321.775,"end":1322.4349,"sentiment":"neutral","sentiment_score":0.10846077650785446},{"text":"Yeah.","start":1341.0,"end":1341.1599,"sentiment":"neutral","sentiment_score":0.06324291974306107},{"text":"Yeah.","start":1341.1599,"end":1341.4,"sentiment":"neutral","sentiment_score":0.02650194615125656},{"text":"You know what?","start":1341.4,"end":1341.88,"sentiment":"neutral","sentiment_score":-0.010924809612333775}],"sentiment":"neutral","sentiment_score":-0.039280562785764535,"num_words":15,"start":1263.51,"end":1341.88},{"sentences":[{"text":"Whatever you have to do, like, we can do.","start":1341.88,"end":1343.32,"sentiment":"neutral","sentiment_score":0.04469292341834969},{"text":"Yes.","start":1343.32,"end":1343.5599,"sentiment":"neutral","sentiment_score":0.16402378678321838},{"text":"That's fine.","start":1343.5599,"end":1344.285,"sentiment":"neutral","sentiment_score":0.2896477282047272},{"text":"Okay.","start":1353.725,"end":1354.225,"sentiment":"neutral","sentiment_score":0.11094390600919724},{"text":"Yep.","start":1359.725,"end":1359.99,"sentiment":"neutral","sentiment_score":0.12288682907819748}],"sentiment":"neutral","sentiment_score":0.0985275920746582,"num_words":14,"start":1341.88,"end":1359.99},{"sentences":[{"text":"Yep.","start":1369.19,"end":1369.69,"sentiment":"neutral","sentiment_score":0.12111254036426544},{"text":"Okay.","start":1383.925,"end":1384.29,"sentiment":"neutral","sentiment_score":0.04571299999952316},{"text":"Okay.","start":1391.17,"end":1391.67,"sentiment":"neutral","sentiment_score":0.02652335911989212},{"text":"I'm sorry.","start":1409.825,"end":1410.485,"sentiment":"neutral","sentiment_score":-0.09456507489085197},{"text":"How much what what was my life insurance cover?","start":1410.7849,"end":1413.125,"sentiment":"neutral","sentiment_score":-0.07114712562825945}],"sentiment":"neutral","sentiment_score":-0.04543609863945416,"num_words":14,"start":1369.19,"end":1413.125},{"sentences":[{"text":"Okay.","start":1418.59,"end":1419.09,"sentiment":"neutral","sentiment_score":0.0009432639926671982},{"text":"So if something's happened to me, that's what that's what they told me my kids would get.","start":1419.23,"end":1423.47,"sentiment":"neutral","sentiment_score":-0.03994376102791113},{"text":"Is that what it is?","start":1423.47,"end":1424.61,"sentiment":"neutral","sentiment_score":0.00032973513007164036},{"text":"I thought I had I thought I had more.","start":1428.19,"end":1430.8151,"sentiment":"neutral","sentiment_score":-0.1046505653195911},{"text":"I thought I had a I thought I thought I had a cover that was up to, like, almost an I I I thought I had a million I'm I'm on I'm on like, a million dollar cover.","start":1431.595,"end":1441.775,"sentiment":"neutral","sentiment_score":-0.08661449073176634}],"sentiment":"neutral","sentiment_score":-0.0701379676216415,"num_words":70,"start":1418.59,"end":1441.775},{"sentences":[{"text":"Not at the moment.","start":1468.185,"end":1468.745,"sentiment":"neutral","sentiment_score":-0.19800982251763344},{"text":"It's for another one.","start":1468.745,"end":1469.465,"sentiment":"neutral","sentiment_score":-0.17893876880407333},{"text":"It's a little bit weird even at the moment.","start":1469.465,"end":1471.005,"sentiment":"neutral","sentiment_score":-0.23208530412779915},{"text":"Yeah.","start":1471.225,"end":1471.385,"sentiment":"neutral","sentiment_score":-0.0626588687300682},{"text":"I just I was I was just trying to think of 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worries.","start":1493.385,"end":1494.045,"sentiment":"positive","sentiment_score":0.3900972753763199},{"text":"Yep.","start":1506.91,"end":1507.41,"sentiment":"positive","sentiment_score":0.4068601727485657},{"text":"Okay.","start":1514.5851,"end":1515.0851,"sentiment":"neutral","sentiment_score":0.2551416754722595},{"text":"Yes.","start":1567.61,"end":1567.815,"sentiment":"neutral","sentiment_score":-0.033075861632823944}],"sentiment":"neutral","sentiment_score":0.2828158549964428,"num_words":6,"start":1493.225,"end":1567.815},{"sentences":[{"text":"Okay.","start":1580.375,"end":1580.875,"sentiment":"neutral","sentiment_score":0.059494372457265854},{"text":"Yes.","start":1587.5,"end":1588.0,"sentiment":"neutral","sentiment_score":0.22761955857276917},{"text":"Yes.","start":1611.2899,"end":1611.7899,"sentiment":"positive","sentiment_score":0.4322798252105713},{"text":"Okay.","start":1626.665,"end":1627.165,"sentiment":"neutral","sentiment_score":0.2735292911529541},{"text":"Yeah.","start":1659.085,"end":1659.33,"sentiment":"neutral","sentiment_score":-0.011265593580901625}],"sentiment":"neutral","sentiment_score":0.19633149076253176,"num_words":5,"start":1580.375,"end":1659.33},{"sentences":[{"text":"Kind of a rebate.","start":1659.4099,"end":1660.3099,"sentiment":"neutral","sentiment_score":-0.030461394228041172},{"text":"I've got nothing that's come through from I've got nothing in my tank, whatever.","start":1660.9299,"end":1669.59,"sentiment":"neutral","sentiment_score":-0.11062923925263542},{"text":"Mhmm.","start":1690.24,"end":1690.74,"sentiment":"neutral","sentiment_score":0.06063905358314514},{"text":"Yes.","start":1736.76,"end":1737.08,"sentiment":"positive","sentiment_score":0.4009563326835632},{"text":"What I was what I was gonna do because I was gonna ask to at one stage, my my throughput came down to, like, I think it was about 20 121 or something when when the thing was going on.","start":1737.08,"end":1748.745,"sentiment":"neutral","sentiment_score":-0.022452615667134523}],"sentiment":"neutral","sentiment_score":-0.035119402781128885,"num_words":60,"start":1659.4099,"end":1748.745},{"sentences":[{"text":"I was trying to see if I could take some of my stocks off the off the ones off the Aussie I think it was Aussie market one was crashing the most.","start":1748.745,"end":1757.625,"sentiment":"neutral","sentiment_score":-0.20646145235514268},{"text":"It had the biggest loss.","start":1757.625,"end":1758.8451,"sentiment":"negative","sentiment_score":-0.4475120842456818},{"text":"But I was gonna try and see if I can move it to the gold market, those Aussie stocks.","start":1758.9851,"end":1766.2999,"sentiment":"neutral","sentiment_score":0.01761515693444955},{"text":"Okay.","start":1767.88,"end":1768.38,"sentiment":"neutral","sentiment_score":0.14249911904335022},{"text":"Yep.","start":1770.12,"end":1770.62,"sentiment":"neutral","sentiment_score":0.13777437806129456}],"sentiment":"neutral","sentiment_score":-0.14188561065058256,"num_words":58,"start":1748.745,"end":1770.62},{"sentences":[{"text":"Yep.","start":1776.44,"end":1776.765,"sentiment":"neutral","sentiment_score":-0.015354566276073456},{"text":"Yep.","start":1782.365,"end":1782.865,"sentiment":"neutral","sentiment_score":-0.04630418121814728},{"text":"Yeah.","start":1784.4451,"end":1784.9451,"sentiment":"neutral","sentiment_score":0.009091656655073166},{"text":"Mhmm.","start":1793.9,"end":1794.4,"sentiment":"neutral","sentiment_score":-0.056737784296274185},{"text":"Yep.","start":1802.38,"end":1802.805,"sentiment":"neutral","sentiment_score":-0.06895492970943451}],"sentiment":"neutral","sentiment_score":-0.035651960968971254,"num_words":5,"start":1776.44,"end":1802.805},{"sentences":[{"text":"Yep.","start":1836.0349,"end":1836.5349,"sentiment":"neutral","sentiment_score":0.1079021692276001},{"text":"Yeah.","start":1858.385,"end":1858.885,"sentiment":"neutral","sentiment_score":0.0692342072725296},{"text":"Mhmm.","start":1875.2,"end":1875.525,"sentiment":"neutral","sentiment_score":0.1411965638399124},{"text":"Yep.","start":1890.0851,"end":1890.5851,"sentiment":"positive","sentiment_score":0.4107800424098969},{"text":"Okay.","start":1901.32,"end":1901.82,"sentiment":"neutral","sentiment_score":0.07337373495101929}],"sentiment":"neutral","sentiment_score":0.16049734354019166,"num_words":5,"start":1836.0349,"end":1901.82},{"sentences":[{"text":"Yes.","start":1922.5499,"end":1923.0499,"sentiment":"neutral","sentiment_score":0.098867729306221},{"text":"Okay.","start":1929.03,"end":1929.53,"sentiment":"neutral","sentiment_score":0.13038292527198792},{"text":"Yes.","start":1993.215,"end":1993.56,"sentiment":"positive","sentiment_score":0.3702741861343384},{"text":"Okay.","start":1999.7201,"end":2000.2201,"sentiment":"neutral","sentiment_score":0.3032083213329315},{"text":"Sorry.","start":2042.665,"end":2042.905,"sentiment":"neutral","sentiment_score":-0.020002873614430428}],"sentiment":"neutral","sentiment_score":0.17654605768620968,"num_words":5,"start":1922.5499,"end":2042.905},{"sentences":[{"text":"I'm over here.","start":2042.905,"end":2043.725,"sentiment":"neutral","sentiment_score":-0.05473472674687704},{"text":"Yeah.","start":2046.025,"end":2046.265,"sentiment":"neutral","sentiment_score":0.018705837428569794},{"text":"Good evening.","start":2046.265,"end":2046.825,"sentiment":"neutral","sentiment_score":0.08294151350855827},{"text":"Yeah.","start":2046.825,"end":2046.985,"sentiment":"neutral","sentiment_score":0.04685226455330849},{"text":"Yeah.","start":2046.985,"end":2047.305,"sentiment":"neutral","sentiment_score":0.035355061292648315}],"sentiment":"neutral","sentiment_score":0.012824001256376505,"num_words":8,"start":2042.905,"end":2047.305},{"sentences":[{"text":"Sorry.","start":2047.305,"end":2047.625,"sentiment":"neutral","sentiment_score":0.0023476649075746536},{"text":"I was just in the car.","start":2047.625,"end":2048.765,"sentiment":"neutral","sentiment_score":-0.011108270846307278},{"text":"Yeah.","start":2054.5898,"end":2054.91,"sentiment":"neutral","sentiment_score":0.1216396763920784},{"text":"Yeah.","start":2054.91,"end":2055.41,"sentiment":"neutral","sentiment_score":0.13416168093681335},{"text":"That's fine.","start":2055.5498,"end":2056.45,"sentiment":"neutral","sentiment_score":0.19645633548498154}],"sentiment":"neutral","sentiment_score":0.05312836982987144,"num_words":11,"start":2047.305,"end":2056.45},{"sentences":[{"text":"Yep.","start":2093.1348,"end":2093.6348,"sentiment":"neutral","sentiment_score":0.20921337604522705},{"text":"No worries.","start":2096.015,"end":2096.755,"sentiment":"neutral","sentiment_score":0.21248430013656616},{"text":"Okay.","start":2106.13,"end":2106.63,"sentiment":"neutral","sentiment_score":0.08338533341884613},{"text":"Okay.","start":2135.5898,"end":2136.0898,"sentiment":"neutral","sentiment_score":0.20390039682388303},{"text":"No worries.","start":2146.0352,"end":2146.7751,"sentiment":"neutral","sentiment_score":0.1600944697856903}],"sentiment":"neutral","sentiment_score":0.17737952087606704,"num_words":7,"start":2093.1348,"end":2146.7751},{"sentences":[{"text":"Mhmm.","start":2156.5151,"end":2157.0151,"sentiment":"neutral","sentiment_score":0.08506786823272705},{"text":"Okay.","start":2174.875,"end":2175.375,"sentiment":"neutral","sentiment_score":0.18700233101844788},{"text":"Yep.","start":2186.95,"end":2187.45,"sentiment":"neutral","sentiment_score":0.1562010794878006},{"text":"See.","start":2187.51,"end":2187.75,"sentiment":"neutral","sentiment_score":0.1441817581653595},{"text":"No worries.","start":2187.75,"end":2188.49,"sentiment":"neutral","sentiment_score":0.17101702094078064}],"sentiment":"neutral","sentiment_score":0.15241451313098273,"num_words":6,"start":2156.5151,"end":2188.49},{"sentences":[{"text":"No.","start":2208.375,"end":2208.535,"sentiment":"neutral","sentiment_score":0.003959566354751587},{"text":"That's all I've got.","start":2208.535,"end":2209.6748,"sentiment":"neutral","sentiment_score":-0.0020056688226759434},{"text":"My mom's got a she's got a solicitor that does all her stuff, so I'll use the same one.","start":2209.895,"end":2214.12,"sentiment":"neutral","sentiment_score":0.07854325579185235},{"text":"Yeah.","start":2215.32,"end":2215.82,"sentiment":"positive","sentiment_score":0.3383849263191223},{"text":"Alright.","start":2246.3901,"end":2246.79,"sentiment":"positive","sentiment_score":0.5696572661399841}],"sentiment":"neutral","sentiment_score":0.09216542090647496,"num_words":26,"start":2208.375,"end":2246.79},{"sentences":[{"text":"Thanks a lot.","start":2246.79,"end":2247.86,"sentiment":"positive","sentiment_score":0.8371808926264445},{"text":"You too, and I have a good day.","start":2265.389,"end":2267.009,"sentiment":"positive","sentiment_score":0.774760328233242}],"sentiment":"positive","sentiment_score":0.7917841185222972,"num_words":11,"start":2246.79,"end":2267.009}]}}]}],"paragraphs":{"transcript":"\nChannel 1: For your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Veronica, Oakview Financial?\n\nChannel 1: Hello?\n\nChannel 0: Good afternoon. Is this Matthew?\n\nChannel 1: Speaking.\n\nChannel 0: This is Veronica from Oakview Financial. How are you?\n\nChannel 1: Good. Love yourself.\n\nChannel 0: Yeah. I'm good.\n\nChannel 1: Excuse me.\n\nChannel 0: I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yep.\n\nChannel 0: Yep. 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. That's all good, Matthew?\n\nChannel 1: Yes. That's fine. Sorry.\n\nChannel 0: Yep. No. That's all good. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me?\n\nChannel 1: December, it's 04/1984. I\n\nChannel 0: Yep.\n\nChannel 1: guess it's 33 Cullowy Street inside.\n\nChannel 0: Yep. Perfect. That's exactly what I have here. And how's your day been so far? I've been busy.\n\nCan you hear me okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. You've had a busy morning so far?\n\nChannel 1: Yeah. I'm just at work. That's okay.\n\nChannel 0: Yeah.\n\nChannel 1: I'm alright because I'm just waiting for the call.\n\nChannel 0: Yeah, no worries. I'll try to make it quick for you, though, so you can get back to it. But before I kind of jump into the interview, I do like to start by asking if there is anything specific you would like me to go over with you today or any specific questions or just a bit of a catch up and see where everything's at?\n\nChannel 1: I just wanted to sort of find out with because I so on my with my that's probably to do with my super, isn't it? So I have to go through my super stuff. So,\n\nChannel 0: That's it.\n\nChannel 1: like,\n\nChannel 0: Yep.\n\nChannel 1: I wanna try and see, like, my next of kin\n\nChannel 0: Yes.\n\nChannel 1: and what like, if anything happens, like, who who I put in place and stuff.\n\nChannel 0: Yeah. We can definitely talk about that today.\n\nChannel 1: Okay.\n\nChannel 0: So we can start there. So one of the things I did have actually through checking with you today was the beneficiary form, and that is for your Netwealth and your insurance.\n\nChannel 1: Mhmm.\n\nChannel 0: And that is for you to nominate someone in the event that something happens to you that you would\n\nChannel 1: Yep.\n\nChannel 0: like to receive those benefits.\n\nChannel 1: Okay. Yes.\n\nChannel 0: So do you have someone in mind that you would\n\nChannel 1: So\n\nChannel 0: like\n\nChannel 1: I was\n\nChannel 0: to give\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: wanted\n\nChannel 0: through?\n\nChannel 1: to sort of leave it to my kids. So it really happens\n\nChannel 0: Yep.\n\nChannel 1: to me. I want it to go to my kids.\n\nChannel 0: Yep. And\n\nChannel 1: Yeah.\n\nChannel 0: how old are they?\n\nChannel 1: No. They're only young, but so that's what I'm trying to work\n\nChannel 0: Okay.\n\nChannel 1: out. How do I do it? Or can I put someone\n\nChannel 0: Yeah.\n\nChannel 1: in place to help us so the metro goes to my kids?\n\nChannel 0: Yeah. So for your super and your insurances on the form, you can definitely give it through your kids.\n\nChannel 1: Okay.\n\nChannel 0: Then, typically, you would have, like, a a guardianship or, like, do you have a will or anything like that in place?\n\nChannel 1: Not no. Not at the moment. No.\n\nChannel 0: No. And then I would say the best way to be, like, in the will, you can then stipulate how you want all your other assets and if something were to happen to you, how it would go because it would also be, well, if something were to happen to you and it would go to your kids\n\nChannel 1: Yep.\n\nChannel 0: who would then have, like, responsibility for your kids, and then\n\nChannel 1: Yes. Yes. Yep.\n\nChannel 0: they could potentially so from that point of view, but\n\nChannel 1: Mhmm.\n\nChannel 0: from nominating an on super insurance, you can definitely give it to your kids. They are quite strict on who you can nominate directly, but a a spouse or a child is perfectly fine. That is a valid nomination. So for the forms itself, you can just put for your kids, and then I would kind of maybe speak to a lawyer or someone to get more kind of legal advice in regards to the other areas on guardianship and will and succession planning in that point of view to make sure that everything is in place from that point. Does that make sense, Matthew?\n\nChannel 1: Yep. Yes. That's\n\nChannel 0: Yep.\n\nChannel 1: it.\n\nChannel 0: Yep. Perfect. Now just for your reference as well, because your kids are 18, if something were to happen, they will receive the benefit tax free, which is great. If they are over 18, they can be taxed for up to 32%. There are some rules if they're, like, off studying or disabled or anything like that.\n\nDifferent rules do apply. But for the time being, if they're smaller, it will be tax free. Something would happen to\n\nChannel 1: No\n\nChannel 0: that.\n\nChannel 1: worries. No. Well, I'm probably gonna get a trust organized anyways and probably try and move everything into a trust. So\n\nChannel 0: Yeah. Yeah. Beautiful. Credit's a bit more protection from that point of view. So with the\n\nChannel 1: yeah.\n\nChannel 0: actual form, do you have access to a printer, or do you prefer things to be posted out, or do you have the copies\n\nChannel 1: Can I get\n\nChannel 0: at home?\n\nChannel 1: it posted to me\n\nChannel 0: Yeah.\n\nChannel 1: for\n\nChannel 0: Of\n\nChannel 1: if\n\nChannel 0: course.\n\nChannel 1: I can? Can\n\nChannel 0: Yeah.\n\nChannel 1: I get it posted to can I change the the postal address?\n\nChannel 0: Yes. You can. Yep.\n\nChannel 1: Yep. Can I put it under 21\n\nChannel 0: Twenty one. Yep.\n\nChannel 1: Monterey Street? It's M 0\n\nChannel 0: Yep.\n\nChannel 1: N T T E R E Y\n\nChannel 0: One\n\nChannel 1: Street,\n\nChannel 0: three. Yep.\n\nChannel 1: South South Whitworthille.\n\nChannel 0: South what? Sorry?\n\nChannel 1: South Wentworthille Wentworthille, W E N T\n\nChannel 0: Yep.\n\nChannel 1: W 0 R T H V I, L L, E, Whitlandville.\n\nChannel 0: Perfect. And just the postcode for that as well?\n\nChannel 1: 2145.\n\nChannel 0: 2145. And that's New South Wales as well? Yep. Beautiful. Yep.\n\nWe can definitely get those per would you like to change that for everything or just for these forms?\n\nChannel 1: Everything as you can. Oh,\n\nChannel 0: Everything?\n\nChannel 1: that yeah. You can do everything. Yeah. Just do everything. That's fine.\n\nChannel 0: You sure? Because\n\nChannel 1: Yep. Yep.\n\nChannel 0: yeah.\n\nChannel 1: That's fine.\n\nChannel 0: Okay.\n\nChannel 1: Yep.\n\nChannel 0: We will change that for you. That is no problem. I will get the team to post out those forms for you. And then, yeah, I would suggest as well, especially with the the kids and succession planning and stuff, to maybe have a chat with a lawyer for specific legal advice in regards through through it. But\n\nChannel 1: Yep.\n\nChannel 0: for super insurance, you can definitely nominate your kids. That's no problem. So so we can definitely get that sorted anyway. Now what I might do is just to kind of run through a bit of an updated fact fund with you just to see if there's anything else that's changed in your life, if we need to make any changes to your advice. So just kind of bear with me as I go through this.\n\nNow\n\nChannel 1: No worries.\n\nChannel 0: when it comes to your personal information, I have you down here that you do have two financial dependents and\n\nChannel 1: Yes.\n\nChannel 0: that you are in a de facto relationship. Is that still the case?\n\nChannel 1: Yeah. I'm I'm single now. I'll say put single if you want.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: I'll update that. Next of kin. So I know you mentioned that this is not anybody. That doesn't mean that they will go to them or anything. Next of kin is just an adult that we can call if for some reason we cannot get in touch with you at all.\n\nChannel 1: Yep. I'll put I'll put one I'll put my mom here at the moment.\n\nChannel 0: Yeah. Beautiful. And\n\nChannel 1: It's\n\nChannel 0: her\n\nChannel 1: Mary.\n\nChannel 0: name, please? Mary. Yep. Same last name as you?\n\nChannel 1: The last name is\n\nChannel 0: Yep. Perfect. And best contact number?\n\nChannel 1: 0430\n\nChannel 0: Three zero. Yep.\n\nChannel 1: 582\n\nChannel 0: Five eight two. Beautiful. Yep.\n\nChannel 1: 8890.\n\nChannel 0: 890, did you say?\n\nChannel 1: What's the rate? Yes.\n\nChannel 0: Yep. Great. Perfect. And occupation wise, has any of that changed, or are you still working as a plant operator?\n\nChannel 1: Yes. I'm still in this. Yes.\n\nChannel 0: Yep. Perfect. And what company do you work for?\n\nChannel 1: Fulton\n\nChannel 0: Perfect. And how long have you been there for?\n\nChannel 1: Hogan. I've been well, we now do So it's been about eight months\n\nChannel 0: Oh, yeah. And\n\nChannel 1: here.\n\nChannel 0: do you like\n\nChannel 1: Yeah.\n\nChannel 0: it?\n\nChannel 1: Yeah. It's good. I've done I've done what I'm doing what I'll do for work, I've been doing it for the last twenty six years.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So\n\nChannel 0: Just like a difference.\n\nChannel 1: it\n\nChannel 0: Just\n\nChannel 1: just\n\nChannel 0: a different\n\nChannel 1: I\n\nChannel 0: company.\n\nChannel 1: I was I was working for myself for a little bit, then I was working for other\n\nChannel 0: Yeah.\n\nChannel 1: people, and I was subbing. So yeah. Now I\n\nChannel 0: Yep.\n\nChannel 1: just work for a company now. It's a bit easier.\n\nChannel 0: Per perfect. And working full time?\n\nChannel 1: Full time. Yes.\n\nChannel 0: Yes. Perfect. Now what's your income at the moment?\n\nChannel 1: See, I don't because I do shift work. It varies.\n\nChannel 0: Uh-huh.\n\nChannel 1: Because at the moment, I've been on night shift. So, like, if I'm on night if I'm on night shift for a whole year, I can earn\n\nChannel 0: Yeah.\n\nChannel 1: anywhere between\n\nChannel 0: Mhmm.\n\nChannel 1: 100 to 150,000. If I'm on day shift, it should be anywhere from about 80 to about $1.20.\n\nChannel 0: Okay. So\n\nChannel 1: So\n\nChannel 0: your base would range between 80 to $1.20,\n\nChannel 1: Yeah.\n\nChannel 0: and then pending on overtime and, obviously, night shift and stuff, it could\n\nChannel 1: That's\n\nChannel 0: go up\n\nChannel 1: correct.\n\nChannel 0: to $1.50. Was that correct?\n\nChannel 1: That's correct.\n\nChannel 0: Yep.\n\nChannel 1: Yes.\n\nChannel 0: Okay. Perfect. Now employer contribution, do they pay you the standard 12% contribution, or is that, like, a special enterprise bargain agreement or anything in place or just, like,\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: I\n\nChannel 0: standard\n\nChannel 1: think I\n\nChannel 0: rule?\n\nChannel 1: think they just do the standard. You know,\n\nChannel 0: Just\n\nChannel 1: I haven't\n\nChannel 0: the standards.\n\nChannel 1: oh, yeah.\n\nChannel 0: Yep. And do you know as well, because, obviously, things do fluctuate for you,\n\nChannel 1: Yeah. Mhmm.\n\nChannel 0: do they pay it on, like, your base pay, or do they pay it on or, like, your full\n\nChannel 1: I think I'm I think they just paid off my base because I'm not sure if it changes of I\n\nChannel 0: income? Yep.\n\nChannel 1: I I have to look at my pay slip. I'm just thinking they paid off my base. That's it.\n\nChannel 0: Yep. And\n\nChannel 1: But\n\nChannel 0: and,\n\nChannel 1: yeah.\n\nChannel 0: typically, that is what that is the case that you would get paid on your base income.\n\nChannel 1: Mhmm.\n\nChannel 0: And then if you get bonuses or anything like that, it's typically paid on on top of that, but over time, tend not to be.\n\nChannel 1: Yeah. Yeah. The only\n\nChannel 0: So\n\nChannel 1: problem\n\nChannel 0: that\n\nChannel 1: is if I'm\n\nChannel 0: unlock\n\nChannel 1: on nights if I'm on nights,\n\nChannel 0: yeah.\n\nChannel 1: I I think they're paying off my night shift base.\n\nChannel 0: Yes. They probably would because\n\nChannel 1: So\n\nChannel 0: that's\n\nChannel 1: it'd\n\nChannel 0: still\n\nChannel 1: be a\n\nChannel 0: part\n\nChannel 1: higher\n\nChannel 0: of your\n\nChannel 1: rate.\n\nChannel 0: standard.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. No. That's\n\nChannel 1: Yeah.\n\nChannel 0: all good. I'll just I can always check-in your account as well anyway\n\nChannel 1: No worries. No worries.\n\nChannel 0: to to add it all up. But, otherwise, you're not making any additional contributions. It's just that\n\nChannel 1: No.\n\nChannel 0: kinda from your employer. No. Perfect. And asset wise, I have here a personal loan about 8,000.\n\nChannel 1: I don't have any assets anymore, so no assets.\n\nChannel 0: Nope. Nope. Perfect. No liabilities either, like, personal loans, credit cards, ZipPay.\n\nChannel 1: Nope. Welcome.\n\nChannel 0: Nope. Nope. Perfect. Health and lifestyle wise, are you a smoker or a nonsmoker?\n\nChannel 1: No. Nope. I think\n\nChannel 0: Nonsmoker.\n\nChannel 1: not tonight. And I\n\nChannel 0: Yeah.\n\nChannel 1: very rarely had a drink over or anything like that.\n\nChannel 0: Yeah. Oh, that's very good. A general health, would you say, do you have any significant health issues or injuries or anything? Or No. Perfect.\n\nAnd do you have private health insurance?\n\nChannel 1: No.\n\nChannel 0: Nope. Just for your reference as well, do you know about the medical levy search for high income earners?\n\nChannel 1: Yes.\n\nChannel 0: Yes. Okay.\n\nChannel 1: Yes.\n\nChannel 0: Perfect.\n\nChannel 1: I get\n\nChannel 0: No. I do\n\nChannel 1: I copy\n\nChannel 0: this.\n\nChannel 1: every year.\n\nChannel 0: Yeah. And it is.\n\nChannel 1: But how I see it is\n\nChannel 0: Yeah,\n\nChannel 1: if if I'm if I'm paying for health insurance\n\nChannel 0: yep,\n\nChannel 1: or private health, it pretty much is the same as what they take off from a medical lately anyway. So\n\nChannel 0: yep. And\n\nChannel 1: it's\n\nChannel 0: it is\n\nChannel 1: almost\n\nChannel 0: I do like to flag it because it depends on your income. Sometimes it's actually cheaper to get private health, not having to\n\nChannel 1: yeah.\n\nChannel 0: pay the additional tax, and you have it. But sometimes it's not, and you still have to pay extra. So it is\n\nChannel 1: Yeah.\n\nChannel 0: good that you are aware of it. Otherwise, we've already touched on the state planning, but you don't have anyone who makes any financial decisions or anything like that for you or power of attorney or anything otherwise?\n\nChannel 1: Oh,\n\nChannel 0: That's okay. Sorry, Matthew. Can you still hear me?\n\nChannel 1: yeah. Sorry.\n\nChannel 0: Yes. You don't have anyone who makes any financial decisions on your behalf or\n\nChannel 1: No.\n\nChannel 0: power\n\nChannel 1: No.\n\nChannel 0: of attorney?\n\nChannel 1: No.\n\nChannel 0: No. Not\n\nChannel 1: No.\n\nChannel 0: great.\n\nChannel 1: Just\n\nChannel 0: Perfect.\n\nChannel 1: me.\n\nChannel 0: All good. Now goals. So stuff that you are working towards or that you are wanting to achieve. Now I have here that last time we spoke to you, your main focus was through build up a bit of a saving and then long term potentially look at buying a property down the track.\n\nChannel 1: That's\n\nChannel 0: Is\n\nChannel 1: correct.\n\nChannel 0: that still\n\nChannel 1: Yes.\n\nChannel 0: kind of Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: I'm still doing the same thing. Just going\n\nChannel 0: Yep.\n\nChannel 1: through, yeah, a bit of a separation of my kid's mom and stuff. So I'm going through a bit of that\n\nChannel 0: Yep.\n\nChannel 1: at the moment. That's actually\n\nChannel 0: Yep.\n\nChannel 1: I wanted to find out. So I've gotta go through I've gotta go through child court and stuff.\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: My kids, so to do the custody stuff.\n\nChannel 0: Yep.\n\nChannel 1: Am I able to use Super to help me pay for my legal fees or you can't do that?\n\nChannel 0: You can't use it for legal fees.\n\nChannel 1: Okay.\n\nChannel 0: The the only thing, typically, would be, like, if you are in a financial hardship situation where you\n\nChannel 1: Yeah. I'm\n\nChannel 0: are\n\nChannel 1: not\n\nChannel 0: on.\n\nChannel 1: really in a it's not saying I'm in a hardship. It's\n\nChannel 0: Yeah.\n\nChannel 1: more for me to go for custody, I'm gonna\n\nChannel 0: Yeah.\n\nChannel 1: pay $30,000\n\nChannel 0: Well\n\nChannel 1: to be able\n\nChannel 0: yeah.\n\nChannel 1: to be able to see my kids again.\n\nChannel 0: Yeah. That's\n\nChannel 1: Because\n\nChannel 0: that's\n\nChannel 1: the\n\nChannel 0: a lot.\n\nChannel 1: only way I could do it is\n\nChannel 0: Yeah.\n\nChannel 1: to get a court order. To get a court order, I have to because I work,\n\nChannel 0: Yeah.\n\nChannel 1: I have to pay for my legal fees, which is looking around the $30,000 month.\n\nChannel 0: Yeah. And and are you looking yeah. And are which is a lot. And are you looking at having to take out, like, some loans of some sort to fund\n\nChannel 1: Well, see\n\nChannel 0: that?\n\nChannel 1: this oh, this is what I was trying to look into. So I thought maybe\n\nChannel 0: Yeah.\n\nChannel 1: I'll see if if I can get if I can get somebody out of my super.\n\nChannel 0: Yeah.\n\nChannel 1: I'll get say if I can get if I can get 15 or 20 out of my super, at least I can put that towards and then why it's why because obviously, the league the the the family court stuff goes on for a while.\n\nChannel 0: Yep.\n\nChannel 1: I can probably\n\nChannel 0: Yeah.\n\nChannel 1: save save up the last bill I have to pay for it before the courts obviously would be finished.\n\nChannel 0: Yeah.\n\nChannel 1: So I have\n\nChannel 0: Yeah.\n\nChannel 1: to I have to put I have to put $15,000 down to my to the family court, the lawyers so then they\n\nChannel 0: Yep.\n\nChannel 1: can start proceedings and then push things straight to the court hearings and stuff like that. So\n\nChannel 0: Yeah.\n\nChannel 1: I've got to put that down straight away. So I was gonna put 20 down and then at least then if it's they say, look, it's another 5 or another 10, I can\n\nChannel 0: Yep.\n\nChannel 1: probably save that by the time it gets all processed.\n\nChannel 0: By by the time it comes around\n\nChannel 1: K.\n\nChannel 0: yeah.\n\nChannel 1: That's alright.\n\nChannel 0: Yeah. No.\n\nChannel 1: But\n\nChannel 0: Unfortunately,\n\nChannel 1: yeah.\n\nChannel 0: not from that point of view. Like I said, yeah, the only way you can is, yeah, under financial hardship or compassionate ground. The compassionate ground is mainly, like, medical treatments and and stuff\n\nChannel 1: Can\n\nChannel 0: like\n\nChannel 1: you\n\nChannel 0: that.\n\nChannel 1: send me the that's on my\n\nChannel 0: Yeah. And, yeah, usually, you can't. I'll just triple check for you because, obviously, I'm New South for you,\n\nChannel 1: Yep.\n\nChannel 0: and we're up in in Queensland.\n\nChannel 1: Yep.\n\nChannel 0: But I don't think so because I've had clients before who's been in a similar situation as yourself, and it is a lot of fees with court cases, especially kids and stuff like that, which is a very tricky situation that, yeah, we we would not we were not able to get any money or anything out of super because of for that purposes. I'll just triple check it for you, though.\n\nChannel 1: Yes.\n\nChannel 0: And if it is that you need, like, a lender or anything to loan anything, just let me know because I can always get one of our lenders that we work with closely to give you a call to look at if you could get a loan or anything like that if you need\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: I\n\nChannel 0: it.\n\nChannel 1: don't I don't think I'll be able to get away for that much. I know that.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: So\n\nChannel 0: Do they have\n\nChannel 1: yeah.\n\nChannel 0: some, like, payment plans or anything like that in place that they can assist with?\n\nChannel 1: No.\n\nChannel 0: Do\n\nChannel 1: See,\n\nChannel 0: you know?\n\nChannel 1: they do, but the problem is I've gotta put I've gotta put 15 down straight away into their\n\nChannel 0: Yep.\n\nChannel 1: trust for them to\n\nChannel 0: Yeah.\n\nChannel 1: start proceedings. So until\n\nChannel 0: Yep.\n\nChannel 1: that happens, I literally can't do anything.\n\nChannel 0: Yeah.\n\nChannel 1: And the worst thing is just me. I'm trying to save now, but the longer I'm\n\nChannel 0: Yeah.\n\nChannel 1: trying to save and put money away is the longer I'm missing out on seeing my kids because I need to be\n\nChannel 0: Yeah.\n\nChannel 1: little. And at the moment,\n\nChannel 0: Yeah.\n\nChannel 1: I've got no no contact with them.\n\nChannel 0: Yeah.\n\nChannel 1: So,\n\nChannel 0: Oh, that's horrible.\n\nChannel 1: Yes. I'm trying to do stuff to sort of get get him back.\n\nChannel 0: Get that sorted. No.\n\nChannel 1: Yeah.\n\nChannel 0: Now I don't know if this is going to be helpful for you, but I would be more than happy to, more cash flow budget wise to\n\nChannel 1: Yep.\n\nChannel 0: see if there's anything we can help you with. So I'll be more than happy to email you a cash flow and budget template. Now\n\nChannel 1: But I've got so\n\nChannel 0: some\n\nChannel 1: in my with my super, I've got something like\n\nChannel 0: mhmm.\n\nChannel 1: that, don't I? I've got a cash thing, don't I?\n\nChannel 0: So sorry. Cash flow and budget. So that is for your personal expenses and savings and and stuff like that.\n\nChannel 1: Yep.\n\nChannel 0: If you wanted advice or guidance on, like, if there's anything I can do to help you from a spending saving point of view to tryna make you save quicker,\n\nChannel 1: Yep.\n\nChannel 0: if that is something you are interested\n\nChannel 1: Oh,\n\nChannel 0: in\n\nChannel 1: no.\n\nChannel 0: exploring.\n\nChannel 1: I'm pretty good at saving. I've got I've got savings\n\nChannel 0: Okay.\n\nChannel 1: now in my with my bank. Yes. I've got a savings account where I can't access money from.\n\nChannel 0: Okay.\n\nChannel 1: So I put money in it and I can't access it unless I go to the bank to get it out, which makes\n\nChannel 0: Yes.\n\nChannel 1: it\n\nChannel 0: Okay.\n\nChannel 1: better for me.\n\nChannel 0: Bit\n\nChannel 1: Yeah.\n\nChannel 0: of a and how do you know how much you have in there at the moment?\n\nChannel 1: I think I've got about I think I'm I think I'm around 6, maybe $7 at the moment.\n\nChannel 0: Okay. Yeah.\n\nChannel 1: Yeah. Because I'm I'm I I recently bought a a car this one not long ago, and it possibly it\n\nChannel 0: Oh,\n\nChannel 1: possibly\n\nChannel 0: yeah.\n\nChannel 1: 16. So yeah.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: And\n\nChannel 1: I\n\nChannel 0: do\n\nChannel 1: think\n\nChannel 0: you have anything owing on the car, or did\n\nChannel 1: no.\n\nChannel 0: you\n\nChannel 1: No.\n\nChannel 0: pay\n\nChannel 1: No.\n\nChannel 0: that\n\nChannel 1: No.\n\nChannel 0: outright?\n\nChannel 1: But I'll pay I paid it\n\nChannel 0: Okay. Oh, that's good. Yeah. Like I said, if anything does\n\nChannel 1: outright.\n\nChannel 0: change situation wise, sorry, and you do need, like, kind of, like, stock of, like, I need to save more, but I don't know how to do it\n\nChannel 1: Yeah.\n\nChannel 0: because we are obviously, we do holistic advice. So if it is that you you are like, I need if there's anything I can do to try to save a bit quicker, like, cutting out expenses in some way or the other, just let me know because I'll be more than happy to email you a template for you to kind of put in your expenses and everything like that, and we can always run through that together to see if we can make any tweaks and changes on anything to help you save faster if you do need that assistance. So just let me know if if you do need that. Okay?\n\nChannel 1: Okay. No worries.\n\nChannel 0: Yep. Perfect. Now so, obviously, that's kind of a bit obviously going on for you, but is there any kind of other long term goals that you have or mainly just obviously focusing\n\nChannel 1: No. It's\n\nChannel 0: on\n\nChannel 1: just\n\nChannel 0: saving\n\nChannel 1: I'm just I'm\n\nChannel 0: now\n\nChannel 1: just\n\nChannel 0: so\n\nChannel 1: focused\n\nChannel 0: you can\n\nChannel 1: to\n\nChannel 0: get\n\nChannel 1: do\n\nChannel 0: that sorted?\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: If I can sort this out, once this gets sorted, then\n\nChannel 0: Yep.\n\nChannel 1: I can still put away stuff for hopefully in in the, you know, next few years,\n\nChannel 0: Yeah.\n\nChannel 1: I'll be able to save up enough more to obviously get a hell of a sudden. I don't have to go through this stuff.\n\nChannel 0: Yeah.\n\nChannel 1: I could use that. The money I'm using\n\nChannel 0: Yep.\n\nChannel 1: for these court fees, I could, you know, put down\n\nChannel 0: Four\n\nChannel 1: to a house\n\nChannel 0: two one.\n\nChannel 1: deposit and all that sort of stuff. But\n\nChannel 0: Yeah.\n\nChannel 1: it is\n\nChannel 0: Yeah.\n\nChannel 1: it is what it is these days. So yeah.\n\nChannel 0: Yeah. At least now with obviously not working working for someone as well and being a bit more consistent, hopefully,\n\nChannel 1: Yeah.\n\nChannel 0: that will ease the the the the cash flow wise, especially if you're doing a lot of nights and stuff. Hopefully, that will help things further for you. But, yeah, like I said, if if you are struggling and there is anything else we can do cash flow budget wise, just let me know.\n\nChannel 1: Hello?\n\nChannel 0: Perfect. Now, otherwise, do you have access to your emails at the moment or a bit tricky when you're at work?\n\nChannel 1: I'm not getting access at the moment.\n\nChannel 0: Okay. Because what I have done is I have to send you an email with some documents to run through with you quickly.\n\nChannel 1: Yep.\n\nChannel 0: If you can get that up for me. Yep. Now we have recently changed the software as well, so it might look a little bit different to what you are used to. But\n\nChannel 1: Okay.\n\nChannel 0: it should allow you to open up the email and click on the link, and then you should have a couple of attachments before it asks you to sign anything. So let me know if you can see that okay. Mhmm. It hasn't come through yet? There's nothing in spam either?\n\nChannel 1: No. No. I just looked in. I was just looking in my\n\nChannel 0: Okay.\n\nChannel 1: pen now.\n\nChannel 0: Let me see. Let me do let me try to resend this to you. Let me see if I can send it a different way because it should have come through by now. Still nothing? No?\n\nAlright. Let me try to send it from this other way and see if it works. If not, it could just be a little delay. And your email hasn't changed. It's still mazedammit84@Hotmail.com?\n\nChannel 1: That's correct.\n\nChannel 0: Yep. Okay. Perfect. I'll just try to resend it to you and see. Are you happy for me to kind of go through the some of some of the information and hopefully come through in the meantime just so I don't keep you\n\nChannel 1: Yeah.\n\nChannel 0: waiting\n\nChannel 1: Yeah.\n\nChannel 0: too\n\nChannel 1: You know what?\n\nChannel 0: long?\n\nChannel 1: Whatever you have\n\nChannel 0: Yes?\n\nChannel 1: to do, like, we can do. Yes. That's fine.\n\nChannel 0: Yep. Alright. Perfect. Now when it does come through, let me know, but you basically have a super and insurance summary first.\n\nChannel 1: Okay.\n\nChannel 0: Now that just gives you a bit of breakdown of your current super and insurances.\n\nChannel 1: Yep.\n\nChannel 0: So it shows you that you have your super in net wealth. You do have a $135,224 in there,\n\nChannel 1: Yep.\n\nChannel 0: and then you also have some insurances with Neon. So you have life and total permanent disability insurance, and that is 343,667 if something\n\nChannel 1: Okay.\n\nChannel 0: were to happen to you. Now are you still happy with that level of cover for life and TPD if something were to happen?\n\nChannel 1: Okay.\n\nChannel 0: Yep. Sorry.\n\nChannel 1: I'm sorry. How much what what was my life insurance cover?\n\nChannel 0: 343,667.\n\nChannel 1: Okay. So if something's happened to me, that's what that's what they told me my kids would get. Is that what it is?\n\nChannel 0: Correct. Plus your super of a 135,000.\n\nChannel 1: I thought I had I thought I had more. I thought I had\n\nChannel 0: Let\n\nChannel 1: a\n\nChannel 0: me\n\nChannel 1: I thought I thought I had a cover that was up to, like, almost an I I I thought I had a million I'm I'm on I'm on like, a million dollar cover.\n\nChannel 0: alright. Let me truthful check this for you. Yeah. No. So what we have here is $343.06 $6.07.\n\nNow would you want to look at changing it or increasing it, or what are your thoughts?\n\nChannel 1: Not at the moment. It's for another one. It's a little bit weird even at the\n\nChannel 0: Okay.\n\nChannel 1: moment. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: I just I was I\n\nChannel 0: So\n\nChannel 1: was just trying to\n\nChannel 0: it\n\nChannel 1: think of\n\nChannel 0: yeah. If anything so when your email does come through, you\n\nChannel 1: it.\n\nChannel 0: will have everything listed. So you also have it if you wanna go back at any point and have a look at it again. I've also included your certificate of currency, which breaks down your insurances in more detail.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: No worries.\n\nChannel 0: you can have a look at that when you have a bit of a moment. And then, obviously, when things if things settle down a little bit for you and you would like to look at changing it, you can just give me a call whenever you want to. It doesn't have to be at under review time,\n\nChannel 1: Yep.\n\nChannel 0: and we can look at what would the cost be and how would things work if you wanted to change it.\n\nChannel 1: Okay.\n\nChannel 0: So just let me know if that's ever a situation, and then we can always review those insurances. Same for TPD. If anything changes, so that is if you are totally and permanently disabled and can't go back to work. Again, if anything does change, you have the same amount. If if it does change and you wanna increase that again, just let me know, and we can always look at that.\n\nNow because of your occupation as well-being a little bit riskier in the insurance mind, you have, a a ADL definition on the TPD. I'm not sure if you remember going through that with my colleague when you had the the cover set up. But, essentially, that's more like where you have to have a little bit stricter definition to me if something were to happen where you\n\nChannel 1: Yes.\n\nChannel 0: do have to meet, like, the the daily living activities. So you would have to prove that you can't, like, feed yourself or shower or or stuff like that in order to get paid out to the TPD.\n\nChannel 1: Okay.\n\nChannel 0: So, again, if anything changes and you wanna review it, let me know. But you also have an income protection policy,\n\nChannel 1: Yes.\n\nChannel 0: and that is paying so that is if you're just temporarily unable to work, and that will pay you a monthly amount of $5,102 per month. Okay? Now you have a ninety day waiting period. So that's how long you have to wait until you can start getting the benefit, and you have it for two years if something were to happen.\n\nChannel 1: Yes.\n\nChannel 0: All those three are paid from superannuation for you. You get a tax rebate. The total premium for all three is 2,512, and that comes just out of your superannuation. So, yeah, you don't have to pay for them out of pocket.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Again, if anything changes when things are kind of settled down for you and you wanna look at it, by all means, just let me know, and we can always review that for you. Now that still hasn't come through to you, Matthew? And not in spam or anything either? No?\n\nIt could just be a bit bit of a delay. It says here that it was sent on my end about twenty minutes ago. I've just resend it. So just keep\n\nChannel 1: Yeah.\n\nChannel 0: a\n\nChannel 1: Kind\n\nChannel 0: lookout.\n\nChannel 1: of a rebate. I've got nothing that's come through from\n\nChannel 0: Nothing. Nope. That's okay.\n\nChannel 1: I've got nothing in my tank, whatever.\n\nChannel 0: Okay. I'll keep a little lookout. And otherwise, when I get off the phone, I'll have a chat to IT and see if there's, like, a bug or something in in the back end as well. Sometimes it could be, like, service maybe where you are as well, potentially. But otherwise, when you do have a look at it, you will also see a performance report, and\n\nChannel 1: Mhmm.\n\nChannel 0: that just shows you your individual investment and how they have performed over the last twelve months. Now, obviously, the last twelve months, we've seen quite a bit of fluctuation in the market with everything going on. First, you had, obviously, everything in The US with Trump and tariffs and everything, and more recently, the war have seen a bit of kind of mixed results. So some areas have performed a lot stronger than others. Sorry.\n\nThe strongest ones which you will see in that performance report, all the investments are outlined individually with the individual returns as well. So your kind of strongest performers were US shares did really well. You also had pretty good with your Japanese investment. Cybersecurity and gold benefited as well from that kind\n\nChannel 1: Yes.\n\nChannel 0: of\n\nChannel 1: What\n\nChannel 0: ongoing\n\nChannel 1: I was what\n\nChannel 0: global\n\nChannel 1: I was gonna\n\nChannel 0: growth.\n\nChannel 1: do because I was gonna ask to\n\nChannel 0: Yeah.\n\nChannel 1: at one stage, my my throughput came down to, like, I think it was about 20 121 or something\n\nChannel 0: Mhmm.\n\nChannel 1: when when the thing was going on. I was trying\n\nChannel 0: Yes.\n\nChannel 1: to see if I could take some of my stocks off the off the ones off the Aussie I think it was Aussie market one was crashing the most. It had the biggest loss.\n\nChannel 0: Yes.\n\nChannel 1: But I was\n\nChannel 0: Yes.\n\nChannel 1: gonna try and see if I can move it to the gold market, those Aussie\n\nChannel 0: Yeah. And we have actually already\n\nChannel 1: stocks.\n\nChannel 0: made a change for you through the\n\nChannel 1: Okay.\n\nChannel 0: Australia. So when you do have a look at it,\n\nChannel 1: Yep.\n\nChannel 0: you will see that all your investments so individually, they did pretty good, but\n\nChannel 1: Yep.\n\nChannel 0: there was one which exactly you said that was underperforming a little bit, and that was your Benelon\n\nChannel 1: Yep.\n\nChannel 0: Australian equity.\n\nChannel 1: Yeah.\n\nChannel 0: Now we obviously do a lot of research on your investments all the time. Sometimes it's just the nature of the market where things do fluctuate and go up and down, and you\n\nChannel 1: Mhmm.\n\nChannel 0: also wanna kind of avoid selling at the bottom if we foresee things coming back around that is just the nature of the investments as well. But\n\nChannel 1: Yep.\n\nChannel 0: with the Benelon investments, they have underperformed a bit recently, but they've also kind of a little bit slower in making the investment decision. And if we foresee that being another better option to change for you, then we wanna make sure we obviously stay on top of that. So on the March 12, you got an email from us, and it was not some not something you had to sign or anything, but it was just for your reference showing that we've done a lot of research on your investments, and the Benelon Australian was underperforming a little bit.\n\nChannel 1: Yep.\n\nChannel 0: And we changed it for a similar investment. So if we're taking out, obviously, your Australian equity, we wanted to look at replacing it with another Australian equity, but a little bit of a a better investment because we also wanna make sure you are very diversified. So we don't want everything in one section or one region.\n\nChannel 1: Yeah.\n\nChannel 0: We wanna make sure it's very diversified, but at the same time, we also don't want you to be an investment option if it's not doing the best. So we changed it for one that was called a BetaShares Australia two hundred. So it is still investing in the Australian market, but\n\nChannel 1: Mhmm.\n\nChannel 0: it is very diversified because it invests in the 200 largest companies listed in Australia. So you have all your big banks and your your BHP, Woolworths, for example. So it's very diversified.\n\nChannel 1: Yep.\n\nChannel 0: And you will see as well moving forward that it'll be a little bit smoother because with Benelon, they are kind of actively buying and selling different investments in order to try to outperform the market. Whereas\n\nChannel 1: Okay.\n\nChannel 0: the BetaShares Australia 200, it focuses on just tracking the 200 largest. As the company grow, gets bigger, it gets added to the 200, and something gets smaller kind of comes out. So we have already made that switch for you back in March. So you should if you haven't seen it, you should see things kind of stabilize a little bit more from\n\nChannel 1: Yes.\n\nChannel 0: what it was we've been along, and then moving forward, put you in a little bit better position and smoother as well.\n\nChannel 1: Okay.\n\nChannel 0: But with your investments, so we currently have you invested in a high growth portfolio as well. So, obviously, in a high growth portfolio over the short term, you will see a bit of short term fluctuation. The goal is to try to grow that in the long term. So how typically your investments are invested in a high growth portfolio, which when you do get access to an email, you will see that I have included a Vanguard index chart in that, which kind of outlines it's just a good visual representation of what we are talking about when we're talking about the market, but it also outlines the individual asset classes so that you can see them. But, essentially, in a high growth portfolio, we see a 90% invested in what we would call your growth assets.\n\nSo that would be things like Australian shares, international shares, property, and commodities, And that is what's going to maximize those returns for you long term. You still have plenty of time until retirement,\n\nChannel 1: Yes.\n\nChannel 0: so you can take advantage of those kind of short term fluctuations in order to grow that for your retirement.\n\nChannel 1: Okay.\n\nChannel 0: And we do see about 10% in your defensive. So, like, your cash, your gold you have in there as well, you're trying to limit and limit those fluctuations a little bit. Now when we're also then talking about a time frame, so making sure you have enough time in the market for those short term fluctuations in a high growth portfolio, we wanna allow at least eight years to retirement, which you certainly have behind So from a time frame point of view, you are in a good position being in a high growth, investments would maximize that growth for you as long as that is still something that you are comfortable with.\n\nChannel 1: Sorry. I'm over here.\n\nChannel 0: Yes. Can you hear me?\n\nChannel 1: Yeah. Good evening. Yeah. Yeah. Sorry.\n\nChannel 0: Yes.\n\nChannel 1: I was just in the car.\n\nChannel 0: No. That's all good. So you're still kind of comfortable with that kind of high growth position for your investment?\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Yep. Beautiful. Now almost at the end there. Now the other documents you will see is you do have a it's just kind of another compliance form. It is an updated financial services guide.\n\nYou would have seen this one before, but it is it's just good. It gives you all important information in regards to us here at Oakview. We've had a bit of an extension to the team, which is good, a bit of an updated marketing. But if you do have a bit of a read over it, you will actually see a photo of myself in there as well if you do wanna put a put a face to the voice\n\nChannel 1: Yep.\n\nChannel 0: and the rest of the team as well.\n\nChannel 1: No worries.\n\nChannel 0: Now it will just ask you to sign through documents if you're happy to do so as well, and that is your ongoing service agreement. And that is\n\nChannel 1: Okay.\n\nChannel 0: just to say that you are happy to stay on the asset client. Now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from super. So no changes in regards to that, and it is not a lock in contract. So if at any point in time, you are not happy, not a lock in contract for this essentially is a service to your account, your investments, and assurances, and everything for you in the meantime.\n\nChannel 1: Okay.\n\nChannel 0: And then the last one is another compliance form. It is just a tax file number form just to say we are keeping your tax file number secure and safe on file.\n\nChannel 1: No worries.\n\nChannel 0: Now that was essentially all those documents. Now I know sometimes it's a little bit tricky if you can't see it. So, hopefully, that comes through to you soon. When\n\nChannel 1: Mhmm.\n\nChannel 0: it does have a bit of a read over, if you have any questions, just let me know. Otherwise, if you're happy to do so, I will just need you to sign those through documents. You can do it all digitally, and then it will automatically send it back to me, and I will get that all uploaded for you.\n\nChannel 1: Okay.\n\nChannel 0: I will also update your postal address here and get the team to post out those beneficiary forms for your insurances for your shoe super and insurance.\n\nChannel 1: Yep. See. No worries.\n\nChannel 0: Now, Matthew, when it comes to, obviously, the legal side of it as well, do you have a good lawyer, or would you like me to get the team to send you, like, a firm that we work closely with if if you do need to talk to them a bit more on, like, the legal side with your kids and stuff like that.\n\nChannel 1: No. That's all I've got.\n\nChannel 0: We've\n\nChannel 1: My\n\nChannel 0: got\n\nChannel 1: mom's got a she's got a solicitor that does all her stuff, so I'll use\n\nChannel 0: oh,\n\nChannel 1: the\n\nChannel 0: great.\n\nChannel 1: same one.\n\nChannel 0: Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's really good. Now I hope everything does work out for you, obviously, with the kids and the court and everything and that it won't drag on too long. Like I said, if there's anything else that I can help you with with that, whether that be cash flow or or anything like that, or if it gets to a point where you are really, really struggling, just just let me know. Just give me a call, and I can always book you in for another catch up and see if there's, yeah, something we can do with your your income or cash wise to help you in any way.\n\nChannel 1: Alright. Thanks a lot.\n\nChannel 0: Yep. No problem. Well, I will let you go and do enjoy the rest of your day, Matthew. Like I said, keep a lookout for that email. Let me know how you go.\n\nAnd if there's anything else that you do need, don't hesitate to give me a call. No problem. Well, you enjoy the rest of your day, and I look forward to speaking with you soon again.\n\nChannel 1: You too, and I have a good day.\n\nChannel 0: You too. Bye.","paragraphs":[{"sentences":[{"text":"For your name and reason for calling, I'll see if this person is available.","start":0.32,"end":4.18,"sentiment":"neutral","sentiment_score":0.015376494798277105}],"sentiment":"neutral","sentiment_score":0.015376494798277105,"channel":1,"num_words":14,"start":0.32,"end":4.18},{"sentences":[{"text":"Veronica, Oakview Financial?","start":5.44,"end":7.22,"sentiment":"neutral","sentiment_score":0.014564737367133299}],"sentiment":"neutral","sentiment_score":0.014564737367133299,"channel":0,"num_words":3,"start":5.44,"end":7.22},{"sentences":[{"text":"Hello?","start":8.08,"end":8.58,"sentiment":"neutral","sentiment_score":0.030873820185661316}],"sentiment":"neutral","sentiment_score":0.030873820185661316,"channel":1,"num_words":1,"start":8.08,"end":8.58},{"sentences":[{"text":"Good afternoon.","start":9.599999,"end":10.32,"sentiment":"neutral","sentiment_score":0.22573163360357285},{"text":"Is this Matthew?","start":10.32,"end":11.139999,"sentiment":"neutral","sentiment_score":0.10817742844422658}],"sentiment":"neutral","sentiment_score":0.1551991105079651,"channel":0,"num_words":5,"start":9.599999,"end":11.139999},{"sentences":[{"text":"Speaking.","start":11.599999,"end":12.099999,"sentiment":"neutral","sentiment_score":0.056407902389764786}],"sentiment":"neutral","sentiment_score":0.056407902389764786,"channel":1,"num_words":1,"start":11.599999,"end":12.099999},{"sentences":[{"text":"This is Veronica from Oakview Financial.","start":12.575001,"end":14.735001,"sentiment":"neutral","sentiment_score":0.1024271696805954},{"text":"How are you?","start":14.735001,"end":15.555,"sentiment":"neutral","sentiment_score":0.1382134606440862}],"sentiment":"neutral","sentiment_score":0.11435593333509234,"channel":0,"num_words":9,"start":12.575001,"end":15.555},{"sentences":[{"text":"Good.","start":15.335,"end":15.835,"sentiment":"positive","sentiment_score":0.5340869426727295},{"text":"Love 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Matthew?","start":37.565,"end":38.625,"sentiment":"neutral","sentiment_score":0.30828961730003357}],"sentiment":"neutral","sentiment_score":0.10456628267254148,"channel":0,"num_words":35,"start":24.35,"end":38.625},{"sentences":[{"text":"Yes.","start":38.85,"end":39.01,"sentiment":"neutral","sentiment_score":0.13926948606967926},{"text":"That's fine.","start":39.01,"end":39.489998,"sentiment":"neutral","sentiment_score":0.13666561245918274},{"text":"Sorry.","start":39.489998,"end":39.989998,"sentiment":"neutral","sentiment_score":0.06252152472734451}],"sentiment":"neutral","sentiment_score":0.11878055892884731,"channel":1,"num_words":4,"start":38.85,"end":39.989998},{"sentences":[{"text":"Yep.","start":39.964996,"end":40.284996,"sentiment":"neutral","sentiment_score":0.0580250546336174},{"text":"No.","start":40.284996,"end":40.524998,"sentiment":"neutral","sentiment_score":0.06375344842672348},{"text":"That's all 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04/1984.","start":51.855,"end":54.18,"sentiment":"neutral","sentiment_score":0.007254434283822775},{"text":"I","start":54.66,"end":54.74,"sentiment":"neutral","sentiment_score":0.016534900292754173}],"sentiment":"neutral","sentiment_score":0.009574550786055624,"channel":1,"num_words":4,"start":51.855,"end":54.74},{"sentences":[{"text":"Yep.","start":54.69,"end":55.19,"sentiment":"neutral","sentiment_score":0.023837532848119736}],"sentiment":"neutral","sentiment_score":0.023837532848119736,"channel":0,"num_words":1,"start":54.69,"end":55.19},{"sentences":[{"text":"guess it's 33 Cullowy Street 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make it quick for you, though, so you can get back to it.","start":77.759995,"end":80.899994,"sentiment":"neutral","sentiment_score":0.15517312288284302},{"text":"But before I kind of jump into the interview, I do like to start by asking if there is anything specific you would like me to go over with you today or any specific questions or just a bit of a catch up and see where everything's at?","start":82.0,"end":93.744995,"sentiment":"neutral","sentiment_score":0.074129034144183}],"sentiment":"neutral","sentiment_score":0.09385694074096965,"channel":0,"num_words":67,"start":77.03999,"end":93.744995},{"sentences":[{"text":"I just wanted to sort of find out with because I so on my with my that's probably to do with my super, isn't it?","start":94.65,"end":102.854996,"sentiment":"neutral","sentiment_score":-0.06084780976176262},{"text":"So I have to go through my super 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me.","start":1214.455,"end":1217.675,"sentiment":"neutral","sentiment_score":0.14263952523469925},{"text":"Yep.","start":1224.71,"end":1225.21,"sentiment":"neutral","sentiment_score":0.0833551287651062},{"text":"Now we have recently changed the software as well, so it might look a little bit different to what you are used to.","start":1228.63,"end":1234.17,"sentiment":"neutral","sentiment_score":0.04158887728724791},{"text":"But","start":1234.565,"end":1234.725,"sentiment":"neutral","sentiment_score":0.08419861644506454}],"sentiment":"neutral","sentiment_score":0.06864285226346868,"channel":0,"num_words":33,"start":1214.455,"end":1234.725},{"sentences":[{"text":"Okay.","start":1234.58,"end":1235.08,"sentiment":"neutral","sentiment_score":0.12895458936691284}],"sentiment":"neutral","sentiment_score":0.12895458936691284,"channel":1,"num_words":1,"start":1234.58,"end":1235.08},{"sentences":[{"text":"it should allow you to open up the email and click on the link, and then you should have a 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see if I can send it a different way because it should have come through by now.","start":1279.9199,"end":1285.0599,"sentiment":"neutral","sentiment_score":-0.05871609637611791},{"text":"Still nothing?","start":1292.495,"end":1293.235,"sentiment":"neutral","sentiment_score":-0.14424462988972664},{"text":"No?","start":1299.5499,"end":1300.0499,"sentiment":"neutral","sentiment_score":-0.14651310443878174}],"sentiment":"neutral","sentiment_score":-0.058947812041474715,"channel":0,"num_words":36,"start":1266.115,"end":1300.0499},{"sentences":[{"text":"Alright.","start":1301.15,"end":1301.47,"sentiment":"neutral","sentiment_score":-0.07308319211006165},{"text":"Let me try to send it from this other way and see if it works.","start":1301.47,"end":1304.9299,"sentiment":"neutral","sentiment_score":-0.038548643887043},{"text":"If not, it could just be a little delay.","start":1305.87,"end":1308.45,"sentiment":"neutral","sentiment_score":-0.2616850319835875},{"text":"And your email hasn't 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happen?","start":1385.445,"end":1390.505,"sentiment":"neutral","sentiment_score":0.12948575419814964}],"sentiment":"neutral","sentiment_score":0.11121128406375647,"channel":0,"num_words":24,"start":1384.03,"end":1390.505},{"sentences":[{"text":"Okay.","start":1391.17,"end":1391.67,"sentiment":"neutral","sentiment_score":0.02652335911989212}],"sentiment":"neutral","sentiment_score":0.02652335911989212,"channel":1,"num_words":1,"start":1391.17,"end":1391.67},{"sentences":[{"text":"Yep.","start":1401.94,"end":1402.34,"sentiment":"neutral","sentiment_score":0.01208566688001156},{"text":"Sorry.","start":1402.34,"end":1402.84,"sentiment":"neutral","sentiment_score":-0.0652947947382927}],"sentiment":"neutral","sentiment_score":-0.026604563929140568,"channel":0,"num_words":2,"start":1401.94,"end":1402.84},{"sentences":[{"text":"I'm sorry.","start":1409.825,"end":1410.485,"sentiment":"neutral","sentiment_score":-0.09456507489085197},{"text":"How much what what was my life insurance 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wait until you can start getting the benefit, and you have it for two years if something were to happen.","start":1603.285,"end":1610.745,"sentiment":"neutral","sentiment_score":0.31791799046375135}],"sentiment":"neutral","sentiment_score":0.19795582257211208,"channel":0,"num_words":62,"start":1588.23,"end":1610.745},{"sentences":[{"text":"Yes.","start":1611.2899,"end":1611.7899,"sentiment":"positive","sentiment_score":0.4322798252105713}],"sentiment":"positive","sentiment_score":0.4322798252105713,"channel":1,"num_words":1,"start":1611.2899,"end":1611.7899},{"sentences":[{"text":"All those three are paid from superannuation for you.","start":1612.29,"end":1615.49,"sentiment":"positive","sentiment_score":0.513799164030287},{"text":"You get a tax rebate.","start":1615.49,"end":1617.03,"sentiment":"positive","sentiment_score":0.5391582369804382},{"text":"The total premium for all three is 2,512, and that comes just out of your 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you.","start":1628.535,"end":1635.755,"sentiment":"neutral","sentiment_score":0.26235145023640466},{"text":"Now that still hasn't come through to you, Matthew?","start":1637.8151,"end":1640.475,"sentiment":"neutral","sentiment_score":-0.019353012657827802},{"text":"And not in spam or anything either?","start":1645.7001,"end":1647.56,"sentiment":"neutral","sentiment_score":-0.10957897614155497},{"text":"No?","start":1649.22,"end":1649.72,"sentiment":"neutral","sentiment_score":-0.10744534432888032}],"sentiment":"neutral","sentiment_score":0.15670729184953067,"channel":0,"num_words":52,"start":1627.575,"end":1649.72},{"sentences":[{"text":"It could just be a bit bit of a delay.","start":1650.74,"end":1653.4,"sentiment":"neutral","sentiment_score":-0.2660221129655838},{"text":"It says here that it was sent on my end about twenty minutes ago.","start":1653.4601,"end":1656.885,"sentiment":"neutral","sentiment_score":-0.10159458326441902},{"text":"I've just resend it.","start":1657.045,"end":1658.405,"sentiment":"neutral","sentiment_score":-0.11680414155125618},{"text":"So just 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a rebate.","start":1659.57,"end":1660.3099,"sentiment":"neutral","sentiment_score":-0.025241536398728687},{"text":"I've got nothing that's come through from","start":1660.9299,"end":1662.87,"sentiment":"neutral","sentiment_score":-0.07415940931865148}],"sentiment":"neutral","sentiment_score":-0.05948404744267464,"channel":1,"num_words":10,"start":1659.57,"end":1662.87},{"sentences":[{"text":"Nothing.","start":1662.885,"end":1663.385,"sentiment":"neutral","sentiment_score":-0.07107017189264297},{"text":"Nope.","start":1663.765,"end":1664.265,"sentiment":"neutral","sentiment_score":-0.13366737961769104},{"text":"That's okay.","start":1664.325,"end":1665.145,"sentiment":"neutral","sentiment_score":-0.07971471920609474}],"sentiment":"neutral","sentiment_score":-0.09104174748063087,"channel":0,"num_words":4,"start":1662.885,"end":1665.145},{"sentences":[{"text":"I've got nothing in my tank, 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more recently, the war have seen a bit of kind of mixed results.","start":1701.9299,"end":1711.63,"sentiment":"neutral","sentiment_score":-0.10863742059362787},{"text":"So some areas have performed a lot stronger than others.","start":1711.85,"end":1716.11,"sentiment":"neutral","sentiment_score":-0.04497197195887566},{"text":"Sorry.","start":1716.3049,"end":1716.5449,"sentiment":"neutral","sentiment_score":-0.022104673087596893}],"sentiment":"neutral","sentiment_score":-0.05511318431480935,"channel":0,"num_words":76,"start":1690.395,"end":1716.5449},{"sentences":[{"text":"The strongest ones which you will see in that performance report, all the investments are outlined individually with the individual returns as well.","start":1716.5449,"end":1724.405,"sentiment":"neutral","sentiment_score":0.18568773600070373},{"text":"So your kind of strongest performers were US shares did really 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something","start":1739.64,"end":1746.2999,"sentiment":"neutral","sentiment_score":-0.057046604146690744}],"sentiment":"neutral","sentiment_score":-0.057046604146690744,"channel":1,"num_words":19,"start":1739.64,"end":1746.2999},{"sentences":[{"text":"Mhmm.","start":1746.265,"end":1746.765,"sentiment":"neutral","sentiment_score":-0.02954188361763954}],"sentiment":"neutral","sentiment_score":-0.02954188361763954,"channel":0,"num_words":1,"start":1746.265,"end":1746.765},{"sentences":[{"text":"when when the thing was going on.","start":1746.52,"end":1748.745,"sentiment":"neutral","sentiment_score":-0.07829892316034862},{"text":"I was trying","start":1748.745,"end":1749.305,"sentiment":"neutral","sentiment_score":-0.07165251113474369}],"sentiment":"neutral","sentiment_score":-0.07630499955266715,"channel":1,"num_words":10,"start":1746.52,"end":1749.305},{"sentences":[{"text":"Yes.","start":1749.0651,"end":1749.5651,"sentiment":"neutral","sentiment_score":-0.0245220847427845}],"sentiment":"neutral","sentiment_score":-0.0245220847427845,"channel":0,"num_words":1,"start":1749.0651,"end":1749.5651},{"sentences":[{"text":"to see if I could take some of my stocks off the off the ones off the Aussie I think it was Aussie market one was crashing the most.","start":1749.305,"end":1757.625,"sentiment":"neutral","sentiment_score":-0.22040720489518395},{"text":"It had the biggest 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see if I can move it to the gold market, those Aussie","start":1759.385,"end":1762.62,"sentiment":"neutral","sentiment_score":0.023743335654338203}],"sentiment":"neutral","sentiment_score":0.023743335654338203,"channel":1,"num_words":15,"start":1759.385,"end":1762.62},{"sentences":[{"text":"Yeah.","start":1763.8,"end":1764.28,"sentiment":"neutral","sentiment_score":0.11506470292806624},{"text":"And we have actually already","start":1764.28,"end":1766.12,"sentiment":"neutral","sentiment_score":0.13416643887758256}],"sentiment":"neutral","sentiment_score":0.13098281621932983,"channel":0,"num_words":6,"start":1763.8,"end":1766.12},{"sentences":[{"text":"stocks.","start":1765.7999,"end":1766.2999,"sentiment":"neutral","sentiment_score":0.11048954725265504}],"sentiment":"neutral","sentiment_score":0.11048954725265504,"channel":1,"num_words":1,"start":1765.7999,"end":1766.2999},{"sentences":[{"text":"made a change for you through the","start":1766.12,"end":1767.88,"sentiment":"neutral","sentiment_score":0.24142604853425706}],"sentiment":"neutral","sentiment_score":0.24142604853425706,"channel":0,"num_words":7,"start":1766.12,"end":1767.88},{"sentences":[{"text":"Okay.","start":1767.88,"end":1768.38,"sentiment":"neutral","sentiment_score":0.14249911904335022}],"sentiment":"neutral","sentiment_score":0.14249911904335022,"channel":1,"num_words":1,"start":1767.88,"end":1768.38},{"sentences":[{"text":"Australia.","start":1767.88,"end":1768.36,"sentiment":"neutral","sentiment_score":0.17345020174980164},{"text":"So when you do have a look at it,","start":1768.36,"end":1769.985,"sentiment":"neutral","sentiment_score":0.10390681856208378}],"sentiment":"neutral","sentiment_score":0.11086115688085556,"channel":0,"num_words":10,"start":1767.88,"end":1769.985},{"sentences":[{"text":"Yep.","start":1770.12,"end":1770.62,"sentiment":"neutral","sentiment_score":0.13777437806129456}],"sentiment":"neutral","sentiment_score":0.13777437806129456,"channel":1,"num_words":1,"start":1770.12,"end":1770.62},{"sentences":[{"text":"you will see that all your investments so individually, they did pretty good, 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you","start":1788.92,"end":1794.12,"sentiment":"neutral","sentiment_score":-0.1140587949439099}],"sentiment":"neutral","sentiment_score":-0.06555497691486821,"channel":0,"num_words":33,"start":1784.52,"end":1794.12},{"sentences":[{"text":"Mhmm.","start":1793.9,"end":1794.4,"sentiment":"neutral","sentiment_score":-0.056737784296274185}],"sentiment":"neutral","sentiment_score":-0.056737784296274185,"channel":1,"num_words":1,"start":1793.9,"end":1794.4},{"sentences":[{"text":"also wanna kind of avoid selling at the bottom if we foresee things coming back around that is just the nature of the investments as 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that.","start":1811.4299,"end":1818.71,"sentiment":"neutral","sentiment_score":0.06724371716380119},{"text":"So on the March 12, you got an email from us, and it was not some not something you had to sign or anything, but it was just for your reference showing that we've done a lot of research on your investments, and the Benelon Australian was underperforming a little bit.","start":1818.71,"end":1835.8251,"sentiment":"neutral","sentiment_score":0.016074858532816757}],"sentiment":"neutral","sentiment_score":-0.056267800480127333,"channel":0,"num_words":100,"start":1802.615,"end":1835.8251},{"sentences":[{"text":"Yep.","start":1836.0349,"end":1836.5349,"sentiment":"neutral","sentiment_score":0.1079021692276001}],"sentiment":"neutral","sentiment_score":0.1079021692276001,"channel":1,"num_words":1,"start":1836.0349,"end":1836.5349},{"sentences":[{"text":"And we changed it for a similar 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there.","start":2058.84,"end":2060.68,"sentiment":"neutral","sentiment_score":0.14862654730677605},{"text":"Now the other documents you will see is you do have a it's just kind of another compliance form.","start":2060.68,"end":2067.4,"sentiment":"neutral","sentiment_score":0.1408744003427656},{"text":"It is an updated financial services guide.","start":2067.4,"end":2070.22,"sentiment":"neutral","sentiment_score":0.14759412301438196}],"sentiment":"neutral","sentiment_score":0.1541564747252885,"channel":0,"num_words":34,"start":2055.96,"end":2070.22},{"sentences":[{"text":"You would have seen this one before, but it is it's just good.","start":2070.645,"end":2074.885,"sentiment":"neutral","sentiment_score":0.2848775295110849},{"text":"It gives you all important information in regards to us here at Oakview.","start":2074.885,"end":2078.585,"sentiment":"positive","sentiment_score":0.34361313856565034},{"text":"We've had a bit of an extension to the team, which is good, a bit of an updated marketing.","start":2079.445,"end":2083.845,"sentiment":"neutral","sentiment_score":0.21072526511393094},{"text":"But if you do have a bit of a read over it, you will actually see a photo of myself in there as well if you do wanna put a put a face to the voice","start":2083.845,"end":2092.78,"sentiment":"neutral","sentiment_score":0.14683501546581587}],"sentiment":"neutral","sentiment_score":0.21555826270285947,"channel":0,"num_words":81,"start":2070.645,"end":2092.78},{"sentences":[{"text":"Yep.","start":2093.1348,"end":2093.6348,"sentiment":"neutral","sentiment_score":0.20921337604522705}],"sentiment":"neutral","sentiment_score":0.20921337604522705,"channel":1,"num_words":1,"start":2093.1348,"end":2093.6348},{"sentences":[{"text":"and the rest of the team as well.","start":2093.32,"end":2095.74,"sentiment":"neutral","sentiment_score":0.25361813604831696}],"sentiment":"neutral","sentiment_score":0.25361813604831696,"channel":0,"num_words":8,"start":2093.32,"end":2095.74},{"sentences":[{"text":"No worries.","start":2096.015,"end":2096.755,"sentiment":"neutral","sentiment_score":0.21248430013656616}],"sentiment":"neutral","sentiment_score":0.21248430013656616,"channel":1,"num_words":2,"start":2096.015,"end":2096.755},{"sentences":[{"text":"Now it will just ask you to sign through documents if you're happy to do so as well, and that is your ongoing service agreement.","start":2097.24,"end":2104.905,"sentiment":"neutral","sentiment_score":0.2252523720264435},{"text":"And that is","start":2105.685,"end":2106.165,"sentiment":"neutral","sentiment_score":0.1438105752070745}],"sentiment":"neutral","sentiment_score":0.21652646522436822,"channel":0,"num_words":28,"start":2097.24,"end":2106.165},{"sentences":[{"text":"Okay.","start":2106.13,"end":2106.63,"sentiment":"neutral","sentiment_score":0.08338533341884613}],"sentiment":"neutral","sentiment_score":0.08338533341884613,"channel":1,"num_words":1,"start":2106.13,"end":2106.63},{"sentences":[{"text":"just to say that you are happy to stay on the asset client.","start":2106.165,"end":2109.625,"sentiment":"positive","sentiment_score":0.5841537622305063},{"text":"Now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from super.","start":2110.485,"end":2119.35,"sentiment":"neutral","sentiment_score":0.14567107529867263},{"text":"So no changes in regards to that, and it is not a lock in contract.","start":2119.81,"end":2124.77,"sentiment":"neutral","sentiment_score":0.07436821088194848},{"text":"So if at any point in time, you are not happy, not a lock in contract for this essentially is a service to your account, your investments, and assurances, and everything for you in the meantime.","start":2124.77,"end":2134.835,"sentiment":"neutral","sentiment_score":0.09318700236164862}],"sentiment":"neutral","sentiment_score":0.17792172633549747,"channel":0,"num_words":85,"start":2106.165,"end":2134.835},{"sentences":[{"text":"Okay.","start":2135.5898,"end":2136.0898,"sentiment":"neutral","sentiment_score":0.20390039682388303}],"sentiment":"neutral","sentiment_score":0.20390039682388303,"channel":1,"num_words":1,"start":2135.5898,"end":2136.0898},{"sentences":[{"text":"And then the last one is another compliance form.","start":2136.575,"end":2139.615,"sentiment":"neutral","sentiment_score":0.19254832135306466},{"text":"It is just a tax file number form just to say we are keeping your tax file number secure and safe on file.","start":2139.615,"end":2145.51,"sentiment":"neutral","sentiment_score":0.278530843231989}],"sentiment":"neutral","sentiment_score":0.2543482589535415,"channel":0,"num_words":32,"start":2136.575,"end":2145.51},{"sentences":[{"text":"No worries.","start":2146.0352,"end":2146.7751,"sentiment":"neutral","sentiment_score":0.1600944697856903}],"sentiment":"neutral","sentiment_score":0.1600944697856903,"channel":1,"num_words":2,"start":2146.0352,"end":2146.7751},{"sentences":[{"text":"Now that was essentially all those documents.","start":2147.27,"end":2149.03,"sentiment":"neutral","sentiment_score":0.13635525639568055},{"text":"Now I know sometimes it's a little bit tricky if you can't see it.","start":2149.03,"end":2152.15,"sentiment":"neutral","sentiment_score":-0.06902675836213998},{"text":"So, hopefully, that comes through to you soon.","start":2152.15,"end":2155.69,"sentiment":"neutral","sentiment_score":0.1660998808220029},{"text":"When","start":2156.39,"end":2156.6301,"sentiment":"neutral","sentiment_score":0.055834271013736725}],"sentiment":"neutral","sentiment_score":0.04575818317631881,"channel":0,"num_words":30,"start":2147.27,"end":2156.6301},{"sentences":[{"text":"Mhmm.","start":2156.5151,"end":2157.0151,"sentiment":"neutral","sentiment_score":0.08506786823272705}],"sentiment":"neutral","sentiment_score":0.08506786823272705,"channel":1,"num_words":1,"start":2156.5151,"end":2157.0151},{"sentences":[{"text":"it does have a bit of a read over, if you have any questions, just let me know.","start":2156.6301,"end":2161.1301,"sentiment":"neutral","sentiment_score":0.12560118776228693},{"text":"Otherwise, if you're happy to do so, I will just need you to sign those through documents.","start":2161.8052,"end":2166.945,"sentiment":"neutral","sentiment_score":0.24224650772178874},{"text":"You can do it all digitally, and then it will automatically send it back to me, and I will get that all uploaded for you.","start":2167.645,"end":2174.48,"sentiment":"neutral","sentiment_score":0.2766675728559494}],"sentiment":"neutral","sentiment_score":0.22159502220650515,"channel":0,"num_words":60,"start":2156.6301,"end":2174.48},{"sentences":[{"text":"Okay.","start":2174.875,"end":2175.375,"sentiment":"neutral","sentiment_score":0.18700233101844788}],"sentiment":"neutral","sentiment_score":0.18700233101844788,"channel":1,"num_words":1,"start":2174.875,"end":2175.375},{"sentences":[{"text":"I will also update your postal address here and get the team to post out those beneficiary forms for your insurances for your shoe super and insurance.","start":2175.42,"end":2186.72,"sentiment":"neutral","sentiment_score":0.22805498595590945}],"sentiment":"neutral","sentiment_score":0.22805498595590945,"channel":0,"num_words":27,"start":2175.42,"end":2186.72},{"sentences":[{"text":"Yep.","start":2186.95,"end":2187.45,"sentiment":"neutral","sentiment_score":0.1562010794878006},{"text":"See.","start":2187.51,"end":2187.75,"sentiment":"neutral","sentiment_score":0.1441817581653595},{"text":"No worries.","start":2187.75,"end":2188.49,"sentiment":"neutral","sentiment_score":0.17101702094078064}],"sentiment":"neutral","sentiment_score":0.16060421988368034,"channel":1,"num_words":4,"start":2186.95,"end":2188.49},{"sentences":[{"text":"Now, Matthew, when it comes to, obviously, the legal side of it as well, do you have a good lawyer, or would you like me to get the team to send you, like, a firm that we work closely with if if you do need to talk to them a bit more on, like, the legal side with your kids and stuff like that.","start":2188.895,"end":2208.05,"sentiment":"neutral","sentiment_score":0.07090908059035428}],"sentiment":"neutral","sentiment_score":0.07090908059035428,"channel":0,"num_words":64,"start":2188.895,"end":2208.05},{"sentences":[{"text":"No.","start":2208.375,"end":2208.535,"sentiment":"neutral","sentiment_score":0.003959566354751587},{"text":"That's all I've got.","start":2208.535,"end":2209.6748,"sentiment":"neutral","sentiment_score":-0.0020056688226759434}],"sentiment":"neutral","sentiment_score":-0.0008126217871904373,"channel":1,"num_words":5,"start":2208.375,"end":2209.6748},{"sentences":[{"text":"We've","start":2209.87,"end":2210.03,"sentiment":"neutral","sentiment_score":0.01899845153093338}],"sentiment":"neutral","sentiment_score":0.01899845153093338,"channel":0,"num_words":1,"start":2209.87,"end":2210.03},{"sentences":[{"text":"My","start":2209.895,"end":2210.055,"sentiment":"neutral","sentiment_score":0.021961510181427}],"sentiment":"neutral","sentiment_score":0.021961510181427,"channel":1,"num_words":1,"start":2209.895,"end":2210.055},{"sentences":[{"text":"got","start":2210.03,"end":2210.53,"sentiment":"neutral","sentiment_score":0.06024321913719177}],"sentiment":"neutral","sentiment_score":0.06024321913719177,"channel":0,"num_words":1,"start":2210.03,"end":2210.53},{"sentences":[{"text":"mom's got a she's got a solicitor that does all her stuff, so I'll use","start":2210.055,"end":2213.575,"sentiment":"neutral","sentiment_score":0.0586993711690108}],"sentiment":"neutral","sentiment_score":0.0586993711690108,"channel":1,"num_words":15,"start":2210.055,"end":2213.575},{"sentences":[{"text":"oh,","start":2213.3901,"end":2213.6301,"sentiment":"neutral","sentiment_score":0.196131095290184}],"sentiment":"neutral","sentiment_score":0.196131095290184,"channel":0,"num_words":1,"start":2213.3901,"end":2213.6301},{"sentences":[{"text":"the","start":2213.575,"end":2213.655,"sentiment":"neutral","sentiment_score":0.2604827880859375}],"sentiment":"neutral","sentiment_score":0.2604827880859375,"channel":1,"num_words":1,"start":2213.575,"end":2213.655},{"sentences":[{"text":"great.","start":2213.6301,"end":2214.1301,"sentiment":"positive","sentiment_score":0.33983150124549866}],"sentiment":"positive","sentiment_score":0.33983150124549866,"channel":0,"num_words":1,"start":2213.6301,"end":2214.1301},{"sentences":[{"text":"same one.","start":2213.655,"end":2214.12,"sentiment":"neutral","sentiment_score":0.16469349712133408}],"sentiment":"neutral","sentiment_score":0.16469349712133408,"channel":1,"num_words":2,"start":2213.655,"end":2214.12},{"sentences":[{"text":"Okay.","start":2214.645,"end":2214.965,"sentiment":"positive","sentiment_score":0.3683040142059326},{"text":"Perfect.","start":2214.965,"end":2215.465,"sentiment":"positive","sentiment_score":0.5758240818977356}],"sentiment":"positive","sentiment_score":0.4720640480518341,"channel":0,"num_words":2,"start":2214.645,"end":2215.465},{"sentences":[{"text":"Yeah.","start":2215.32,"end":2215.82,"sentiment":"positive","sentiment_score":0.3383849263191223}],"sentiment":"positive","sentiment_score":0.3383849263191223,"channel":1,"num_words":1,"start":2215.32,"end":2215.82},{"sentences":[{"text":"No.","start":2215.685,"end":2215.925,"sentiment":"positive","sentiment_score":0.3850141167640686},{"text":"That's really good.","start":2215.925,"end":2216.905,"sentiment":"positive","sentiment_score":0.591899553934733},{"text":"Now I hope everything does work out for you, obviously, with the kids and the court and everything and that it won't drag on too long.","start":2217.365,"end":2224.0251,"sentiment":"positive","sentiment_score":0.5435589504643128},{"text":"Like I said, if there's anything else that I can help you with with that, whether that be cash flow or or anything like that, or if it gets to a point where you are really, really struggling, just just let me know.","start":2224.805,"end":2236.52,"sentiment":"neutral","sentiment_score":0.15766365583552872},{"text":"Just give me a call, and I can always book you in for another catch up and see if there's, yeah, something we can do with your your income or cash wise to help you in any way.","start":2236.52,"end":2246.005,"sentiment":"positive","sentiment_score":0.3773937468466006}],"sentiment":"positive","sentiment_score":0.3370607664120627,"channel":0,"num_words":111,"start":2215.685,"end":2246.005},{"sentences":[{"text":"Alright.","start":2246.3901,"end":2246.79,"sentiment":"positive","sentiment_score":0.5696572661399841},{"text":"Thanks a lot.","start":2246.79,"end":2247.86,"sentiment":"positive","sentiment_score":0.8371808926264445}],"sentiment":"positive","sentiment_score":0.7702999860048294,"channel":1,"num_words":4,"start":2246.3901,"end":2247.86},{"sentences":[{"text":"Yep.","start":2247.505,"end":2248.005,"sentiment":"positive","sentiment_score":0.4875382781028747},{"text":"No problem.","start":2248.145,"end":2248.865,"sentiment":"positive","sentiment_score":0.5757061541080475},{"text":"Well, I will let you go and do enjoy the rest of your day, Matthew.","start":2248.865,"end":2252.005,"sentiment":"positive","sentiment_score":0.7546516140302022},{"text":"Like I said, keep a lookout for that email.","start":2252.545,"end":2254.565,"sentiment":"positive","sentiment_score":0.4320469730430179},{"text":"Let me know how you go.","start":2254.785,"end":2255.7449,"sentiment":"positive","sentiment_score":0.5679922898610433}],"sentiment":"positive","sentiment_score":0.6137909482825886,"channel":0,"num_words":33,"start":2247.505,"end":2255.7449},{"sentences":[{"text":"And if there's anything else that you do need, don't hesitate to give me a call.","start":2255.7449,"end":2261.23,"sentiment":"positive","sentiment_score":0.34323020838201046},{"text":"No problem.","start":2261.23,"end":2261.95,"sentiment":"positive","sentiment_score":0.573656290769577},{"text":"Well, you enjoy the rest of your day, and I look forward to speaking with you soon again.","start":2261.95,"end":2265.3298,"sentiment":"positive","sentiment_score":0.8290136456489563}],"sentiment":"positive","sentiment_score":0.5989233760370148,"channel":0,"num_words":36,"start":2255.7449,"end":2265.3298},{"sentences":[{"text":"You too, and I have a good day.","start":2265.389,"end":2267.009,"sentiment":"positive","sentiment_score":0.774760328233242}],"sentiment":"positive","sentiment_score":0.774760328233242,"channel":1,"num_words":8,"start":2265.389,"end":2267.009},{"sentences":[{"text":"You too.","start":2267.31,"end":2268.03,"sentiment":"positive","sentiment_score":0.5281212031841278},{"text":"Bye.","start":2268.03,"end":2268.53,"sentiment":"neutral","sentiment_score":-0.10680101066827774}],"sentiment":"neutral","sentiment_score":0.31648046523332596,"channel":0,"num_words":3,"start":2267.31,"end":2268.53}]},"summary":{"result":"success","short":"The representative from Oakview Financial confirms personal information and discusses the benefits of a legal protection program for beneficiaries. They provide legal advice for children and update financial dependents, including employment details and income. The customer expresses a desire to build a savings and buy a property, but is hesitant due to financial struggles and the agent offers to send a cash flow budget template and suggest cutting expenses. The customer is advised to maintain a long term investment strategy and avoid short term fluctuations in their high growth portfolio. The speaker provides information on their insurance certificate, legal services, and a follow-up email with a tax file number form."},"intents":{"segments":[{"text":"I had you booked in to go over your annual review. Is now still a good time for you?","start_word":41,"end_word":59,"intents":[{"intent":"Schedule annual review","confidence_score":0.0034874855}]},{"text":"And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me?","start_word":105,"end_word":136,"intents":[{"intent":"Confirm identity","confidence_score":0.7015862}]},{"text":"I wanna try and see, like, my next of kin Yes.","start_word":303,"end_word":313,"intents":[{"intent":"Assess next of kin's position","confidence_score":0.0000052041137}]},{"text":"Now just for your reference as well, because your kids are 18, if something were to happen, they will receive the benefit tax free, which is great. If they are over 18, they can be taxed for up to 32%. There are some rules if they're, like, off studying or disabled or anything like that. Different rules do apply. But for the time being, if they're smaller, it will be tax free. Something would happen to No that.","start_word":731,"end_word":808,"intents":[{"intent":"Request tax-free benefit","confidence_score":0.011827449}]},{"text":"Well, I'm probably gonna get a trust organized anyways and probably try and move everything into a trust. So Yeah. Yeah.","start_word":810,"end_word":830,"intents":[{"intent":"Order a trust","confidence_score":0.0021873047}]},{"text":"I get it posted to can I change the the postal address? Yes.","start_word":888,"end_word":900,"intents":[{"intent":"Change mailbox address","confidence_score":0.00018702338}]},{"text":"I get it posted to can I change the the postal address? Yes. You can.","start_word":888,"end_word":902,"intents":[{"intent":"Confirm mailing address","confidence_score":0.01153471}]},{"text":"I get it posted to can I change the the postal address? Yes. You can. Yep. Yep. Can I put it under 21 Twenty one. Yep.","start_word":888,"end_word":913,"intents":[{"intent":"Provide mailing address","confidence_score":0.008806883}]},{"text":"And just the postcode for that as well? 2145. 2145.","start_word":957,"end_word":966,"intents":[{"intent":"Confirm postcode","confidence_score":0.06431803}]},{"text":"We can definitely get those per would you like to change that for everything or just for these forms? Everything as you can.","start_word":977,"end_word":999,"intents":[{"intent":"Provide form change","confidence_score":0.00038707186}]},{"text":"The only So problem that is if I'm unlock on nights if I'm on nights, yeah. I I think they're paying off my night shift base. Yes.","start_word":1758,"end_word":1784,"intents":[{"intent":"Inform about availability","confidence_score":0.000046294997}]},{"text":"Otherwise, we've already touched on the state planning, but you don't have anyone who makes any financial decisions or anything like that for you or power of attorney or anything otherwise?","start_word":2083,"end_word":2113,"intents":[{"intent":"Clarify process","confidence_score":0.0030289043}]},{"text":"And are you looking at having to take out, like, some loans of some sort to fund Well, see that?","start_word":2431,"end_word":2450,"intents":[{"intent":"Set down a super super super super super super super","confidence_score":0.00001800619}]},{"text":"I'll see if if I can get if I can get somebody out of my super.","start_word":2466,"end_word":2481,"intents":[{"intent":"Get a super super super payment","confidence_score":0.0013018843},{"intent":"Obtain assistance with super super claims","confidence_score":0.0000014844785}]},{"text":"But Unfortunately, yeah. not from that point of view. Like I said, yeah, the only way you can is, yeah, under financial hardship or compassionate ground. The compassionate ground is mainly, like, medical treatments and and stuff like Can you that.","start_word":2655,"end_word":2695,"intents":[{"intent":"Avoid medical costs","confidence_score":7.238696e-7}]},{"text":"And if it is that you need, like, a lender or anything to loan anything, just let me know because I can always get one of our lenders that we work with closely to give you a call to look at if you could get a loan or anything like that if you need Yeah.","start_word":2803,"end_word":2857,"intents":[{"intent":"Help with loan","confidence_score":0.025233168},{"intent":"Assist with loan application","confidence_score":0.00390885}]},{"text":"So Do they have yeah. some, like, payment plans or anything like that in place that they can assist with? No.","start_word":2879,"end_word":2899,"intents":[{"intent":"Assist with spending","confidence_score":0.0000017098014}]},{"text":"I'm trying to save now, but the longer I'm Yeah. trying to save and put money away is the longer I'm missing out on seeing my kids because I need to be Yeah. little.","start_word":2948,"end_word":2981,"intents":[{"intent":"Save money","confidence_score":0.51047105}]},{"text":"So I'll be more than happy to email you a cash flow and budget template.","start_word":3054,"end_word":3068,"intents":[{"intent":"Email cash flow template","confidence_score":0.09025527}]},{"text":"I've got I've got savings Okay. now in my with my bank. Yes. I've got a savings account where I can't access money from. Okay.","start_word":3164,"end_word":3188,"intents":[{"intent":"Manage finances","confidence_score":0.08725545}]},{"text":"Now, otherwise, do you have access to your emails at the moment or a bit tricky when you're at work? I'm not getting access at the moment. Okay. Because what I have done is I have to send you an email with some documents to run through with you quickly. Yep.","start_word":3698,"end_word":3748,"intents":[{"intent":"Resolve email issues","confidence_score":0.0047163824}]},{"text":"I'll just try to resend it to you and see. Are you happy for me to kind of go through the some of some of the information and hopefully come through in the meantime just so I don't keep you Yeah.","start_word":3923,"end_word":3963,"intents":[{"intent":"Resend email","confidence_score":0.40727744}]},{"text":"Are you happy for me to kind of go through the some of some of the information and hopefully come through in the meantime just so I don't keep you Yeah. waiting Yeah.","start_word":3933,"end_word":3965,"intents":[{"intent":"Provide information","confidence_score":0.24585427}]},{"text":"So it shows you that you have your super in net wealth. You do have a $135,224 in there, Yep. and then you also have some insurances with Neon. So you have life and total permanent disability insurance, and that is 343,667 if something Okay.","start_word":4023,"end_word":4067,"intents":[{"intent":"Check super wealth","confidence_score":0.061089374}]},{"text":"and then you also have some insurances with Neon. So you have life and total permanent disability insurance, and that is 343,667 if something Okay.","start_word":4043,"end_word":4067,"intents":[{"intent":"Understand insurance plans","confidence_score":7.081711e-7}]},{"text":"Now are you still happy with that level of cover for life and TPD if something were to happen? Okay.","start_word":4073,"end_word":4092,"intents":[{"intent":"Confirm coverage information","confidence_score":0.0000030556935}]},{"text":"and we can look at what would the cost be and how would things work if you wanted to change it. Okay.","start_word":4368,"end_word":4389,"intents":[{"intent":"Discuss insurances and discuss costs","confidence_score":0.0030708804}]},{"text":"But otherwise, when you do have a look at it, you will also see a performance report, and Mhmm. that just shows you your individual investment and how they have performed over the last twelve months.","start_word":4855,"end_word":4890,"intents":[{"intent":"Update investment reports","confidence_score":0.000038888415}]},{"text":"So when you do have a look at it, Yep. you will see that all your investments so individually, they did pretty good, but Yep. there was one which exactly you said that was underperforming a little bit, and that was your Benelon Yep. Australian equity.","start_word":5124,"end_word":5169,"intents":[{"intent":"Analyze investment performance","confidence_score":0.05820162}]},{"text":"So if we're taking out, obviously, your Australian equity, we wanted to look at replacing it with another Australian equity, but a little bit of a a better investment because we also wanna make sure you are very diversified.","start_word":5343,"end_word":5381,"intents":[{"intent":"Maintain diversification in the investment sector","confidence_score":0.0000018447685}]},{"text":"So if we're taking out, obviously, your Australian equity, we wanted to look at replacing it with another Australian equity, but a little bit of a a better investment because we also wanna make sure you are very diversified. So we don't want everything in one section or one region.","start_word":5343,"end_word":5392,"intents":[{"intent":"Diversify investing portfolio","confidence_score":0.0028358712}]},{"text":"So if we're taking out, obviously, your Australian equity, we wanted to look at replacing it with another Australian equity, but a little bit of a a better investment because we also wanna make sure you are very diversified. So we don't want everything in one section or one region. Yeah.","start_word":5343,"end_word":5393,"intents":[{"intent":"Replace an austrian equity","confidence_score":0.000023562661}]},{"text":"And you will see as well moving forward that it'll be a little bit smoother because with Benelon, they are kind of actively buying and selling different investments in order to try to outperform the market. Whereas Okay.","start_word":5480,"end_word":5517,"intents":[{"intent":"Outperform the market","confidence_score":0.296048}]},{"text":"But with your investments, so we currently have you invested in a high growth portfolio as well. So, obviously, in a high growth portfolio over the short term, you will see a bit of short term fluctuation. The goal is to try to grow that in the long term.","start_word":5606,"end_word":5654,"intents":[{"intent":"Invest in high growth portfolios","confidence_score":0.006796523}]},{"text":"So how typically your investments are invested in a high growth portfolio, which when you do get access to an email, you will see that I have included a Vanguard index chart in that, which kind of outlines it's just a good visual representation of what we are talking about when we're talking about the market, but it also outlines the individual asset classes so that you can see them.","start_word":5655,"end_word":5724,"intents":[{"intent":"Identify three main asset classes","confidence_score":0.000009867248}]},{"text":"But, essentially, in a high growth portfolio, we see a 90% invested in what we would call your growth assets. So that would be things like Australian shares, international shares, property, and commodities, And that is what's going to maximize those returns for you long term.","start_word":5726,"end_word":5771,"intents":[{"intent":"Maximize returns","confidence_score":0.8337286},{"intent":"Maximize growth","confidence_score":0.86164147},{"intent":"Maximize investment experience","confidence_score":0.000016624188}]},{"text":"And we do see about 10% in your defensive. So, like, your cash, your gold you have in there as well, you're trying to limit and limit those fluctuations a little bit.","start_word":5801,"end_word":5832,"intents":[{"intent":"Limit fluctuations","confidence_score":0.8323232}]},{"text":"So you're still kind of comfortable with that kind of high growth position for your investment? Yeah. Yeah.","start_word":5941,"end_word":5958,"intents":[{"intent":"Confirm comfortable with high growth position","confidence_score":0.0023183033}]},{"text":"Now it will just ask you to sign through documents if you're happy to do so as well, and that is your ongoing service agreement. And that is Okay.","start_word":6087,"end_word":6115,"intents":[{"intent":"Ask for signature","confidence_score":0.000048632784}]},{"text":"I will also update your postal address here and get the team to post out those beneficiary forms for your insurances for your shoe super and insurance. Yep.","start_word":6328,"end_word":6355,"intents":[{"intent":"Update documents and provide assistance","confidence_score":0.00018341206}]},{"text":"Now, Matthew, when it comes to, obviously, the legal side of it as well, do you have a good lawyer, or would you like me to get the team to send you, like, a firm that we work closely with if if you do need to talk to them a bit more on, like, the legal side with your kids and stuff like that. No.","start_word":6359,"end_word":6423,"intents":[{"intent":"Find a good lawyer","confidence_score":0.0016217873}]}]},"sentiments":{"segments":[{"text":"For your name and reason for calling, I'll see if this person is available. Veronica, Oakview Financial? Hello? Good afternoon. Is this Matthew? Speaking. This is Veronica from Oakview Financial. How are you?","start_word":0,"end_word":32,"sentiment":"neutral","sentiment_score":0.06420116126537323},{"text":"Good. Love yourself. Yeah. I'm good.","start_word":33,"end_word":38,"sentiment":"positive","sentiment_score":0.499734103679657},{"text":"Excuse me. I had you booked in to go over your annual review. Is now still a good time for you? Yep. Yep.","start_word":39,"end_word":61,"sentiment":"neutral","sentiment_score":0.16307508945465088},{"text":"Perfect.","start_word":62,"end_word":62,"sentiment":"positive","sentiment_score":0.3612232804298401},{"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. That's all good, Matthew? Yes. That's fine. Sorry. Yep. No. That's all good. And just to confirm I am speaking with the right person, just for security purposes, could I please get you to confirm your full name, date of birth, and address for me? December, it's 04/1984. I Yep. guess it's 33 Cullowy Street inside. Yep.","start_word":63,"end_word":148,"sentiment":"neutral","sentiment_score":0.08354677259922028},{"text":"Perfect. That's exactly what I have here.","start_word":149,"end_word":155,"sentiment":"positive","sentiment_score":0.4517444372177124},{"text":"And how's your day been so far? I've been busy. Can you hear me okay? Yep. Yep. You've had a busy morning so far? Yeah. I'm just at work. That's okay. Yeah. I'm alright because I'm just waiting for the call. Yeah, no worries. I'll try to make it quick for you, though, so you can get back to it. But before I kind of jump into the interview, I do like to start by asking if there is anything specific you would like me to go over with you today or any specific questions or just a bit of a catch up and see where everything's at? I just wanted to sort of find out with because I so on my with my that's probably to do with my super, isn't it? So I have to go through my super stuff. So, That's it. like, Yep. I wanna try and see, like, my next of kin Yes. and what like, if anything happens, like, who who I put in place and stuff. Yeah. We can definitely talk about that today. Okay. So we can start there. So one of the things I did have actually through checking with you today was the beneficiary form, and that is for your Netwealth and your insurance. Mhmm. And that is for you to nominate someone in the event that something happens to you that you would Yep. like to receive those benefits. Okay. Yes. So do you have someone in mind that you would So like I was to give I it wanted through? to sort of leave it to my kids. So it really happens Yep. to me. I want it to go to my kids. Yep. And Yeah. how old are they? No. They're only young, but so that's what I'm trying to work Okay. out. How do I do it? Or can I put someone Yeah. in place to help us so the metro goes to my kids? Yeah.","start_word":156,"end_word":485,"sentiment":"neutral","sentiment_score":0.07883036943773429},{"text":"So for your super and your insurances on the form, you can definitely give it through your kids.","start_word":486,"end_word":503,"sentiment":"positive","sentiment_score":0.47184017300605774},{"text":"Okay. Then, typically, you would have, like, a a guardianship or, like, do you have a will or anything like that in place? Not no. Not at the moment. No. No. And then I would say the best way to be, like, in the will, you can then stipulate how you want all your other assets and if something were to happen to you, how it would go because it would also be, well, if something were to happen to you and it would go to your kids Yep. who would then have, like, responsibility for your kids, and then Yes. Yes. Yep. they could potentially so from that point of view, but Mhmm. from nominating an on super insurance, you can definitely give it to your kids. They are quite strict on who you can nominate directly, but a a spouse or a child is perfectly fine.","start_word":504,"end_word":651,"sentiment":"neutral","sentiment_score":0.08307686448097229},{"text":"That is a valid nomination.","start_word":652,"end_word":656,"sentiment":"positive","sentiment_score":0.440807968378067},{"text":"So for the forms itself, you can just put for your kids, and then I would kind of maybe speak to a lawyer or someone to get more kind of legal advice in regards to the other areas on guardianship and will and succession planning in that point of view to make sure that everything is in place from that point. Does that make sense, Matthew? Yep. Yes. That's Yep. it. Yep.","start_word":657,"end_word":728,"sentiment":"neutral","sentiment_score":0.1968354135751724},{"text":"Perfect.","start_word":729,"end_word":729,"sentiment":"positive","sentiment_score":0.5720185041427612},{"text":"Now just for your reference as well, because your kids are 18, if something were to happen, they will receive the benefit tax free, which is great. If they are over 18, they can be taxed for up to 32%. There are some rules if they're, like, off studying or disabled or anything like that. Different rules do apply. But for the time being, if they're smaller, it will be tax free. Something would happen to No that. worries. No. Well, I'm probably gonna get a trust organized anyways and probably try and move everything into a trust. So Yeah. Yeah.","start_word":730,"end_word":830,"sentiment":"neutral","sentiment_score":0.15502755343914032},{"text":"Beautiful. Credit's a bit more protection from that point of view.","start_word":831,"end_word":841,"sentiment":"positive","sentiment_score":0.4372140169143677},{"text":"So with the yeah. actual form, do you have access to a printer, or do you prefer things to be posted out, or do you have the copies Can I get at home? it posted to me Yeah. for Of if course. I can? Can Yeah. I get it posted to can I change the the postal address? Yes. You can. Yep. Yep. Can I put it under 21 Twenty one. Yep. Monterey Street? It's M 0 Yep. N T T E R E Y One Street, three. Yep. South South Whitworthille. South what? Sorry? South Wentworthille Wentworthille, W E N T Yep. W 0 R T H V I, L L, E, Whitlandville.","start_word":842,"end_word":955,"sentiment":"neutral","sentiment_score":0.0315922349691391},{"text":"Perfect.","start_word":956,"end_word":956,"sentiment":"positive","sentiment_score":0.33335787057876587},{"text":"And just the postcode for that as well? 2145. 2145. And that's New South Wales as well? Yep. Beautiful. Yep. We can definitely get those per would you like to change that for everything or just for these forms? Everything as you can. Oh, Everything? that yeah. You can do everything. Yeah. Just do everything. That's fine. You sure? Because Yep. Yep. yeah. That's fine. Okay. Yep. We will change that for you.","start_word":957,"end_word":1029,"sentiment":"neutral","sentiment_score":0.1311568021774292},{"text":"That is no problem.","start_word":1030,"end_word":1033,"sentiment":"positive","sentiment_score":0.3656732738018036},{"text":"I will get the team to post out those forms for you. And then, yeah, I would suggest as well, especially with the the kids and succession planning and stuff, to maybe have a chat with a lawyer for specific legal advice in regards through through it.","start_word":1034,"end_word":1080,"sentiment":"neutral","sentiment_score":0.21787354350090027},{"text":"But Yep. for super insurance, you can definitely nominate your kids. That's no problem. So so we can definitely get that sorted anyway.","start_word":1081,"end_word":1103,"sentiment":"positive","sentiment_score":0.6459259986877441},{"text":"Now what I might do is just to kind of run through a bit of an updated fact fund with you just to see if there's anything else that's changed in your life, if we need to make any changes to your advice. So just kind of bear with me as I go through this. Now No worries. when it comes to your personal information, I have you down here that you do have two financial dependents and Yes. that you are in a de facto relationship. Is that still the case? Yeah. I'm I'm single now. I'll say put single if you want. Yep. Perfect. Yep. I'll update that. Next of kin. So I know you mentioned that this is not anybody. That doesn't mean that they will go to them or anything. Next of kin is just an adult that we can call if for some reason we cannot get in touch with you at all. Yep. I'll put I'll put one I'll put my mom here at the moment. Yeah. Beautiful. And It's her Mary. name, please? Mary. Yep. Same last name as you? The last name is Yep. Perfect. And best contact number? 0430 Three zero. Yep. 582 Five eight two. Beautiful. Yep. 8890. 890, did you say? What's the rate? Yes. Yep. Great. Perfect. And occupation wise, has any of that changed, or are you still working as a plant operator? Yes. I'm still in this. Yes. Yep. Perfect. And what company do you work for? Fulton Perfect. And how long have you been there for? Hogan. I've been well, we now do So it's been about eight months Oh, yeah. And here. do you like Yeah. it? Yeah.","start_word":1104,"end_word":1387,"sentiment":"neutral","sentiment_score":0.02711327187716961},{"text":"It's good.","start_word":1388,"end_word":1389,"sentiment":"positive","sentiment_score":0.3542655110359192},{"text":"I've done I've done what I'm doing what I'll do for work, I've been doing it for the last twenty six years. Yeah. Yeah. So Just like a difference. it Just just a different I company. I was I was working for myself for a little bit, then I was working for other Yeah. people, and I was subbing. So yeah. Now I Yep.","start_word":1390,"end_word":1453,"sentiment":"neutral","sentiment_score":0.054506855201907456},{"text":"just work for a company now. It's a bit easier. Per perfect. And working full time?","start_word":1454,"end_word":1469,"sentiment":"positive","sentiment_score":0.4390887916088104},{"text":"Full time. Yes. Yes.","start_word":1470,"end_word":1473,"sentiment":"neutral","sentiment_score":0.24470798671245575},{"text":"Perfect.","start_word":1474,"end_word":1474,"sentiment":"positive","sentiment_score":0.4329999089241028},{"text":"Now what's your income at the moment? See, I don't because I do shift work. It varies. Uh-huh. Because at the moment, I've been on night shift. So, like, if I'm on night if I'm on night shift for a whole year, I can earn Yeah. anywhere between Mhmm. 100 to 150,000. If I'm on day shift, it should be anywhere from about 80 to about $1.20. Okay. So So your base would range between 80 to $1.20, Yeah. and then pending on overtime and, obviously, night shift and stuff, it could That's go up correct. to $1.50. Was that correct? That's correct. Yep. Yes. Okay. Perfect. Now employer contribution, do they pay you the standard 12% contribution, or is that, like, a special enterprise bargain agreement or anything in place or just, like, Oh, the I standard think I rule? think they just do the standard. You know, Just I haven't the standards. oh, yeah. Yep. And do you know as well, because, obviously, things do fluctuate for you, Yeah. Mhmm. do they pay it on, like, your base pay, or do they pay it on or, like, your full I think I'm I think they just paid off my base because I'm not sure if it changes of I income? Yep. I I have to look at my pay slip. I'm just thinking they paid off my base. That's it. Yep. And But and, yeah. typically, that is what that is the case that you would get paid on your base income. Mhmm. And then if you get bonuses or anything like that, it's typically paid on on top of that, but over time, tend not to be. Yeah. Yeah. The only So problem that is if I'm unlock on nights if I'm on nights, yeah. I I think they're paying off my night shift base. Yes. They probably would because So that's it'd still be a part higher of your rate. standard. Yeah. Yeah. No. That's Yeah.","start_word":1475,"end_word":1804,"sentiment":"neutral","sentiment_score":-0.01225269854661416},{"text":"all good.","start_word":1805,"end_word":1806,"sentiment":"positive","sentiment_score":0.5629169344902039},{"text":"I'll just I can always check-in your account as well anyway No worries. No worries. to to add it all up. But, otherwise, you're not making any additional contributions. It's just that No. kinda from your employer. No. Perfect. And asset wise, I have here a personal loan about 8,000. I don't have any assets anymore, so no assets. Nope. Nope. Perfect. No liabilities either, like, personal loans, credit cards, ZipPay. Nope. Welcome. Nope. Nope. Perfect. Health and lifestyle wise, are you a smoker or a nonsmoker? No. Nope. I think Nonsmoker. not tonight. And I Yeah. very rarely had a drink over or anything like that. Yeah. Oh, that's very good. A general health, would you say, do you have any significant health issues or injuries or anything? Or No. Perfect. And do you have private health insurance? No. Nope. Just for your reference as well, do you know about the medical levy search for high income earners? Yes. Yes. Okay. Yes. Perfect. I get No. I do I copy this. every year. Yeah. And it is. But how I see it is Yeah, if if I'm if I'm paying for health insurance yep, or private health, it pretty much is the same as what they take off from a medical lately anyway. So yep. And it's it is almost I do like to flag it because it depends on your income. Sometimes it's actually cheaper to get private health, not having to yeah. pay the additional tax, and you have it. But sometimes it's not, and you still have to pay extra. So it is Yeah.","start_word":1807,"end_word":2074,"sentiment":"neutral","sentiment_score":-0.014451595023274422},{"text":"good that you are aware of it.","start_word":2075,"end_word":2081,"sentiment":"positive","sentiment_score":0.4560651183128357},{"text":"Otherwise, we've already touched on the state planning, but you don't have anyone who makes any financial decisions or anything like that for you or power of attorney or anything otherwise? Oh, That's okay. Sorry, Matthew. Can you still hear me? yeah. Sorry. Yes. You don't have anyone who makes any financial decisions on your behalf or No. power No. of attorney? No. No. Not No. great. Just Perfect.","start_word":2082,"end_word":2150,"sentiment":"neutral","sentiment_score":-0.07473506033420563},{"text":"me. All good.","start_word":2151,"end_word":2153,"sentiment":"positive","sentiment_score":0.47311732172966},{"text":"Now goals.","start_word":2154,"end_word":2155,"sentiment":"neutral","sentiment_score":0.26960235834121704},{"text":"So stuff that you are working towards or that you are wanting to achieve.","start_word":2156,"end_word":2169,"sentiment":"positive","sentiment_score":0.371857225894928},{"text":"Now I have here that last time we spoke to you, your main focus was through build up a bit of a saving and then long term potentially look at buying a property down the track. That's Is correct. that still Yes. kind of Yep. Yeah.","start_word":2170,"end_word":2215,"sentiment":"neutral","sentiment_score":0.1624428927898407},{"text":"Perfect.","start_word":2216,"end_word":2216,"sentiment":"positive","sentiment_score":0.4289754033088684},{"text":"I'm still doing the same thing. Just going Yep. through, yeah, a bit of a separation of my kid's mom and stuff. So I'm going through a bit of that Yep. at the moment. That's actually Yep. I wanted to find out. So I've gotta go through I've gotta go through child court and stuff. Mhmm. Yep. My kids, so to do the custody stuff. Yep. Am I able to use Super to help me pay for my legal fees or you can't do that? You can't use it for legal fees. Okay. The the only thing, typically, would be, like, if you are in a financial hardship situation where you Yeah. I'm are not on. really in a it's not saying I'm in a hardship. It's Yeah. more for me to go for custody, I'm gonna Yeah. pay $30,000 Well to be able yeah. to be able to see my kids again. Yeah. That's Because that's the a lot. only way I could do it is Yeah. to get a court order. To get a court order, I have to because I work, Yeah. I have to pay for my legal fees, which is looking around the $30,000 month. Yeah. And and are you looking yeah. And are which is a lot. And are you looking at having to take out, like, some loans of some sort to fund Well, see that? this oh, this is what I was trying to look into. So I thought maybe Yeah. I'll see if if I can get if I can get somebody out of my super. Yeah. I'll get say if I can get if I can get 15 or 20 out of my super, at least I can put that towards and then why it's why because obviously, the league the the the family court stuff goes on for a while. Yep. I can probably Yeah. save save up the last bill I have to pay for it before the courts obviously would be finished. Yeah. So I have Yeah. to I have to put I have to put $15,000 down to my to the family court, the lawyers so then they Yep. can start proceedings and then push things straight to the court hearings and stuff like that. So Yeah. I've got to put that down straight away. So I was gonna put 20 down and then at least then if it's they say, look, it's another 5 or another 10, I can Yep. probably save that by the time it gets all processed. By by the time it comes around K. yeah. That's alright. Yeah. No. But Unfortunately, yeah.","start_word":2217,"end_word":2657,"sentiment":"neutral","sentiment_score":-0.02023133113473451},{"text":"not from that point of view. Like I said, yeah, the only way you can is, yeah, under financial hardship or compassionate ground.","start_word":2658,"end_word":2680,"sentiment":"negative","sentiment_score":-0.3719064891338349},{"text":"The compassionate ground is mainly, like, medical treatments and and stuff like Can you that. send me the that's on my Yeah. And, yeah, usually, you can't. I'll just triple check for you because, obviously, I'm New South for you, Yep. and we're up in in Queensland. Yep.","start_word":2681,"end_word":2728,"sentiment":"neutral","sentiment_score":-0.07061734050512314},{"text":"But I don't think so because I've had clients before who's been in a similar situation as yourself, and it is a lot of fees with court cases, especially kids and stuff like that, which is a very tricky situation that, yeah, we we would not we were not able to get any money or anything out of super because of for that purposes.","start_word":2729,"end_word":2792,"sentiment":"negative","sentiment_score":-0.3701570928096771},{"text":"I'll just triple check it for you, though. Yes. And if it is that you need, like, a lender or anything to loan anything, just let me know because I can always get one of our lenders that we work with closely to give you a call to look at if you could get a loan or anything like that if you need Yeah. to I it.","start_word":2793,"end_word":2859,"sentiment":"neutral","sentiment_score":0.05202098807959414},{"text":"don't I don't think I'll be able to get away for that much.","start_word":2860,"end_word":2872,"sentiment":"negative","sentiment_score":-0.4086401462554931},{"text":"I know that. Yeah. Yeah. Okay. So Do they have yeah. some, like, payment plans or anything like that in place that they can assist with? No. Do See, you know? they do, but the problem is I've gotta put I've gotta put 15 down straight away into their Yep. trust for them to Yeah. start proceedings. So until Yep.","start_word":2873,"end_word":2932,"sentiment":"neutral","sentiment_score":-0.14742572605609894},{"text":"that happens, I literally can't do anything.","start_word":2933,"end_word":2939,"sentiment":"negative","sentiment_score":-0.5496328473091125},{"text":"Yeah.","start_word":2940,"end_word":2940,"sentiment":"neutral","sentiment_score":-0.23468329012393951},{"text":"And the worst thing is just me. I'm trying to save now, but the longer I'm Yeah. trying to save and put money away is the longer I'm missing out on seeing my kids because I need to be Yeah.","start_word":2941,"end_word":2980,"sentiment":"negative","sentiment_score":-0.4103264808654785},{"text":"little. And at the moment, Yeah.","start_word":2981,"end_word":2986,"sentiment":"neutral","sentiment_score":-0.1559961885213852},{"text":"I've got no no contact with them.","start_word":2987,"end_word":2993,"sentiment":"negative","sentiment_score":-0.3606971800327301},{"text":"Yeah.","start_word":2994,"end_word":2994,"sentiment":"neutral","sentiment_score":-0.2071443647146225},{"text":"So, Oh, that's horrible.","start_word":2995,"end_word":2998,"sentiment":"negative","sentiment_score":-0.43178632855415344},{"text":"Yes. I'm trying to do stuff to sort of get get him back. Get that sorted. No. Yeah. Now I don't know if this is going to be helpful for you, but I would be more than happy to, more cash flow budget wise to Yep. see if there's anything we can help you with. So I'll be more than happy to email you a cash flow and budget template. Now But I've got so some in my with my super, I've got something like mhmm. that, don't I? I've got a cash thing, don't I? So sorry. Cash flow and budget. So that is for your personal expenses and savings and and stuff like that. Yep. If you wanted advice or guidance on, like, if there's anything I can do to help you from a spending saving point of view to tryna make you save quicker, Yep. if that is something you are interested Oh, in no. exploring. I'm pretty good at saving. I've got I've got savings Okay. now in my with my bank. Yes. I've got a savings account where I can't access money from. Okay. So I put money in it and I can't access it unless I go to the bank to get it out, which makes Yes. it Okay. better for me. Bit Yeah. of a and how do you know how much you have in there at the moment? I think I've got about I think I'm I think I'm around 6, maybe $7 at the moment. Okay. Yeah. Yeah. Because I'm I'm I I recently bought a a car this one not long ago, and it possibly it Oh, possibly yeah. 16. So yeah. Yes. So And I do think you have anything owing on the car, or did no. you No. pay No. that No. outright? But I'll pay I paid it Okay.","start_word":2999,"end_word":3310,"sentiment":"neutral","sentiment_score":0.014071833103513108},{"text":"Oh, that's good.","start_word":3311,"end_word":3313,"sentiment":"positive","sentiment_score":0.3948818743228912},{"text":"Yeah. Like I said, if anything does outright. change situation wise, sorry, and you do need, like, kind of, like, stock of, like, I need to save more, but I don't know how to do it Yeah. because we are obviously, we do holistic advice. So if it is that you you are like, I need if there's anything I can do to try to save a bit quicker, like, cutting out expenses in some way or the other, just let me know because I'll be more than happy to email you a template for you to kind of put in your expenses and everything like that, and we can always run through that together to see if we can make any tweaks and changes on anything to help you save faster if you do need that assistance. So just let me know if if you do need that. Okay? Okay. No worries. Yep.","start_word":3314,"end_word":3467,"sentiment":"neutral","sentiment_score":0.1416308581829071},{"text":"Perfect.","start_word":3468,"end_word":3468,"sentiment":"positive","sentiment_score":0.4102199673652649},{"text":"Now so, obviously, that's kind of a bit obviously going on for you, but is there any kind of other long term goals that you have or mainly just obviously focusing No. It's on just saving I'm just I'm now just so focused you can to get do that sorted? yeah. Yeah. If I can sort this out, once this gets sorted, then Yep. I can still put away stuff for hopefully in in the, you know, next few years, Yeah.","start_word":3469,"end_word":3549,"sentiment":"neutral","sentiment_score":0.09075232843557994},{"text":"I'll be able to save up enough more to obviously get a hell of a sudden.","start_word":3550,"end_word":3565,"sentiment":"positive","sentiment_score":0.4427514970302582},{"text":"I don't have to go through this stuff. Yeah. I could use that. The money I'm using Yep. for these court fees, I could, you know, put down Four to a house two one. deposit and all that sort of stuff. But Yeah. it is Yeah. it is what it is these days. So yeah. Yeah. At least now with obviously not working working for someone as well and being a bit more consistent, hopefully, Yeah.","start_word":3566,"end_word":3641,"sentiment":"neutral","sentiment_score":0.19525644183158877},{"text":"that will ease the the the the cash flow wise, especially if you're doing a lot of nights and stuff. Hopefully, that will help things further for you.","start_word":3642,"end_word":3669,"sentiment":"positive","sentiment_score":0.5341871380805969},{"text":"But, yeah, like I said, if if you are struggling and there is anything else we can do cash flow budget wise, just let me know. Hello?","start_word":3670,"end_word":3696,"sentiment":"neutral","sentiment_score":0.11757176369428636},{"text":"Perfect.","start_word":3697,"end_word":3697,"sentiment":"positive","sentiment_score":0.44663673639297485},{"text":"Now, otherwise, do you have access to your emails at the moment or a bit tricky when you're at work? I'm not getting access at the moment. Okay. Because what I have done is I have to send you an email with some documents to run through with you quickly. Yep. If you can get that up for me. Yep. Now we have recently changed the software as well, so it might look a little bit different to what you are used to. But Okay. it should allow you to open up the email and click on the link, and then you should have a couple of attachments before it asks you to sign anything. So let me know if you can see that okay. Mhmm. It hasn't come through yet? There's nothing in spam either? No. No. I just looked in. I was just looking in my Okay. pen now. Let me see. Let me do let me try to resend this to you. Let me see if I can send it a different way because it should have come through by now. Still nothing? No? Alright. Let me try to send it from this other way and see if it works. If not, it could just be a little delay. And your email hasn't changed. It's still mazedammit84@Hotmail.com? That's correct. Yep. Okay.","start_word":3698,"end_word":3921,"sentiment":"neutral","sentiment_score":-0.017284014960750937},{"text":"Perfect. I'll just try to resend it to you and see. Are you happy for me to kind of go through the some of some of the information and hopefully come through in the meantime just so I don't keep you Yeah.","start_word":3922,"end_word":3963,"sentiment":"positive","sentiment_score":0.3700117766857147},{"text":"waiting Yeah. too You know what? long? Whatever you have Yes? to do, like, we can do. Yes. That's fine. Yep. Alright.","start_word":3964,"end_word":3985,"sentiment":"neutral","sentiment_score":0.10790803283452988},{"text":"Perfect.","start_word":3986,"end_word":3986,"sentiment":"positive","sentiment_score":0.4041071832180023},{"text":"Now when it does come through, let me know, but you basically have a super and insurance summary first. Okay. Now that just gives you a bit of breakdown of your current super and insurances. Yep. So it shows you that you have your super in net wealth. You do have a $135,224 in there, Yep. and then you also have some insurances with Neon. So you have life and total permanent disability insurance, and that is 343,667 if something Okay. were to happen to you. Now are you still happy with that level of cover for life and TPD if something were to happen? Okay. Yep. Sorry. I'm sorry. How much what what was my life insurance cover? 343,667. Okay. So if something's happened to me, that's what that's what they told me my kids would get. Is that what it is? Correct. Plus your super of a 135,000. I thought I had I thought I had more. I thought I had Let a me I thought I thought I had a cover that was up to, like, almost an I I I thought I had a million I'm I'm on I'm on like, a million dollar cover. alright. Let me truthful check this for you. Yeah. No. So what we have here is $343.06 $6.07. Now would you want to look at changing it or increasing it, or what are your thoughts? Not at the moment. It's for another one. It's a little bit weird even at the Okay. moment. Yeah. Okay. I just I was I So was just trying to it think of yeah. If anything so when your email does come through, you it.","start_word":3987,"end_word":4265,"sentiment":"neutral","sentiment_score":0.0049936771392822266},{"text":"will have everything listed. So you also have it if you wanna go back at any point and have a look at it again. I've also included your certificate of currency, which breaks down your insurances in more detail.","start_word":4266,"end_word":4304,"sentiment":"positive","sentiment_score":0.3470684289932251},{"text":"Yeah.","start_word":4305,"end_word":4305,"sentiment":"neutral","sentiment_score":0.28777459263801575},{"text":"So No worries. you can have a look at that when you have a bit of a moment. And then, obviously, when things if things settle down a little bit for you and you would like to look at changing it, you can just give me a call whenever you want to.","start_word":4306,"end_word":4357,"sentiment":"positive","sentiment_score":0.3813056945800781},{"text":"It doesn't have to be at under review time, Yep.","start_word":4358,"end_word":4367,"sentiment":"neutral","sentiment_score":0.22092311084270477},{"text":"and we can look at what would the cost be and how would things work if you wanted to change it.","start_word":4368,"end_word":4388,"sentiment":"positive","sentiment_score":0.38459572196006775},{"text":"Okay. So just let me know if that's ever a situation, and then we can always review those insurances. Same for TPD. If anything changes, so that is if you are totally and permanently disabled and can't go back to work. Again, if anything does change, you have the same amount. If if it does change and you wanna increase that again, just let me know, and we can always look at that. Now because of your occupation as well-being a little bit riskier in the insurance mind, you have, a a ADL definition on the TPD. I'm not sure if you remember going through that with my colleague when you had the the cover set up. But, essentially, that's more like where you have to have a little bit stricter definition to me if something were to happen where you Yes. do have to meet, like, the the daily living activities. So you would have to prove that you can't, like, feed yourself or shower or or stuff like that in order to get paid out to the TPD. Okay. So, again, if anything changes and you wanna review it, let me know. But you also have an income protection policy, Yes. and that is paying so that is if you're just temporarily unable to work, and that will pay you a monthly amount of $5,102 per month. Okay? Now you have a ninety day waiting period. So that's how long you have to wait until you can start getting the benefit, and you have it for two years if something were to happen.","start_word":4389,"end_word":4653,"sentiment":"neutral","sentiment_score":0.009883604775059895},{"text":"Yes. All those three are paid from superannuation for you. You get a tax rebate. The total premium for all three is 2,512, and that comes just out of your superannuation. So, yeah, you don't have to pay for them out of pocket.","start_word":4654,"end_word":4696,"sentiment":"positive","sentiment_score":0.4764492511749267},{"text":"Okay. Yep. Again, if anything changes when things are kind of settled down for you and you wanna look at it, by all means, just let me know, and we can always review that for you. Now that still hasn't come through to you, Matthew? And not in spam or anything either? No? It could just be a bit bit of a delay. It says here that it was sent on my end about twenty minutes ago. I've just resend it. So just keep Yeah. a Kind lookout. of a rebate. I've got nothing that's come through from Nothing. Nope. That's okay. I've got nothing in my tank, whatever. Okay. I'll keep a little lookout. And otherwise, when I get off the phone, I'll have a chat to IT and see if there's, like, a bug or something in in the back end as well. Sometimes it could be, like, service maybe where you are as well, potentially. But otherwise, when you do have a look at it, you will also see a performance report, and Mhmm. that just shows you your individual investment and how they have performed over the last twelve months. Now, obviously, the last twelve months, we've seen quite a bit of fluctuation in the market with everything going on. First, you had, obviously, everything in The US with Trump and tariffs and everything, and more recently, the war have seen a bit of kind of mixed results. So some areas have performed a lot stronger than others. Sorry. The strongest ones which you will see in that performance report, all the investments are outlined individually with the individual returns as well.","start_word":4697,"end_word":4972,"sentiment":"neutral","sentiment_score":0.00750634865835309},{"text":"So your kind of strongest performers were US shares did really well. You also had pretty good with your Japanese investment. Cybersecurity and gold benefited as well from that kind Yes.","start_word":4973,"end_word":5003,"sentiment":"positive","sentiment_score":0.4749365679679378},{"text":"of What ongoing I was what global I was gonna growth. do because I was gonna ask to Yeah. at one stage, my my throughput came down to, like, I think it was about 20 121 or something Mhmm. when when the thing was going on. I was Yes. trying to see if I could take some of my stocks off the off the ones off the Aussie I think it was Aussie market one was crashing the most.","start_word":5004,"end_word":5082,"sentiment":"neutral","sentiment_score":-0.08908214420080185},{"text":"It had the biggest loss.","start_word":5083,"end_word":5087,"sentiment":"negative","sentiment_score":-0.4298963248729706},{"text":"Yes. But I was Yes. gonna try and see if I can move it to the gold market, those Aussie Yeah. And we have actually already stocks. made a change for you through the Australia. Okay. So when you do have a look at it, Yep. you will see that all your investments so individually, they did pretty good, but Yep. there was one which exactly you said that was underperforming a little bit, and that was your Benelon Yep. Australian equity. Yeah. Now we obviously do a lot of research on your investments all the time. Sometimes it's just the nature of the market where things do fluctuate and go up and down, and you Mhmm. also wanna kind of avoid selling at the bottom if we foresee things coming back around that is just the nature of the investments as well. But Yep. with the Benelon investments, they have underperformed a bit recently, but they've also kind of a little bit slower in making the investment decision. And if we foresee that being another better option to change for you, then we wanna make sure we obviously stay on top of that. So on the March 12, you got an email from us, and it was not some not something you had to sign or anything, but it was just for your reference showing that we've done a lot of research on your investments, and the Benelon Australian was underperforming a little bit. Yep. And we changed it for a similar investment. So if we're taking out, obviously, your Australian equity, we wanted to look at replacing it with another Australian equity, but a little bit of a a better investment because we also wanna make sure you are very diversified. So we don't want everything in one section or one region. Yeah. We wanna make sure it's very diversified, but at the same time, we also don't want you to be an investment option if it's not doing the best. So we changed it for one that was called a BetaShares Australia two hundred. So it is still investing in the Australian market, but Mhmm. it is very diversified because it invests in the 200 largest companies listed in Australia. So you have all your big banks and your your BHP, Woolworths, for example.","start_word":5088,"end_word":5474,"sentiment":"neutral","sentiment_score":0.005906091468740804},{"text":"So it's very diversified. Yep. And you will see as well moving forward that it'll be a little bit smoother because with Benelon, they are kind of actively buying and selling different investments in order to try to outperform the market.","start_word":5475,"end_word":5515,"sentiment":"positive","sentiment_score":0.4096527099609375},{"text":"Whereas Okay. the BetaShares Australia 200, it focuses on just tracking the 200 largest. As the company grow, gets bigger, it gets added to the 200, and something gets smaller kind of comes out. So we have already made that switch for you back in March. So you should if you haven't seen it, you should see things kind of stabilize a little bit more from Yes.","start_word":5516,"end_word":5582,"sentiment":"neutral","sentiment_score":0.1267717331647873},{"text":"what it was we've been along, and then moving forward, put you in a little bit better position and smoother as well.","start_word":5583,"end_word":5604,"sentiment":"positive","sentiment_score":0.3492795526981354},{"text":"Okay. But with your investments, so we currently have you invested in a high growth portfolio as well. So, obviously, in a high growth portfolio over the short term, you will see a bit of short term fluctuation. The goal is to try to grow that in the long term. So how typically your investments are invested in a high growth portfolio, which when you do get access to an email, you will see that I have included a Vanguard index chart in that, which kind of outlines it's just a good visual representation of what we are talking about when we're talking about the market, but it also outlines the individual asset classes so that you can see them. But, essentially, in a high growth portfolio, we see a 90% invested in what we would call your growth assets.","start_word":5605,"end_word":5744,"sentiment":"neutral","sentiment_score":0.18054871261119845},{"text":"So that would be things like Australian shares, international shares, property, and commodities, And that is what's going to maximize those returns for you long term.","start_word":5745,"end_word":5770,"sentiment":"positive","sentiment_score":0.4221166670322418},{"text":"You still have plenty of time until retirement, Yes.","start_word":5771,"end_word":5779,"sentiment":"neutral","sentiment_score":0.32827281951904297},{"text":"so you can take advantage of those kind of short term fluctuations in order to grow that for your retirement.","start_word":5780,"end_word":5799,"sentiment":"positive","sentiment_score":0.44549188017845154},{"text":"Okay. And we do see about 10% in your defensive. So, like, your cash, your gold you have in there as well, you're trying to limit and limit those fluctuations a little bit. Now when we're also then talking about a time frame, so making sure you have enough time in the market for those short term fluctuations in a high growth portfolio, we wanna allow at least eight years to retirement, which you certainly have behind So from a time frame point of view, you are in a good position being in a high growth, investments would maximize that growth for you as long as that is still something that you are comfortable with. Sorry. I'm over here. Yes. Can you hear me? Yeah. Good evening. Yeah. Yeah. Sorry. Yes. I was just in the car. No. That's all good. So you're still kind of comfortable with that kind of high growth position for your investment? Yeah. Yeah. That's fine. Yep.","start_word":5800,"end_word":5961,"sentiment":"neutral","sentiment_score":0.23594053089618683},{"text":"Beautiful.","start_word":5962,"end_word":5962,"sentiment":"positive","sentiment_score":0.4154304265975952},{"text":"Now almost at the end there. Now the other documents you will see is you do have a it's just kind of another compliance form. It is an updated financial services guide. You would have seen this one before, but it is it's just good.","start_word":5963,"end_word":6007,"sentiment":"neutral","sentiment_score":0.19126267731189728},{"text":"It gives you all important information in regards to us here at Oakview.","start_word":6008,"end_word":6020,"sentiment":"positive","sentiment_score":0.33563122153282166},{"text":"We've had a bit of an extension to the team, which is good, a bit of an updated marketing. But if you do have a bit of a read over it, you will actually see a photo of myself in there as well if you do wanna put a put a face to the voice Yep. and the rest of the team as well. No worries. Now it will just ask you to sign through documents if you're happy to do so as well, and that is your ongoing service agreement. And that is Okay.","start_word":6021,"end_word":6115,"sentiment":"neutral","sentiment_score":0.19088079035282135},{"text":"just to say that you are happy to stay on the asset client.","start_word":6116,"end_word":6128,"sentiment":"positive","sentiment_score":0.5921739339828491},{"text":"Now there is no changes whatsoever in regards to the fee structure that stays exactly the same at 1.65 from super. So no changes in regards to that, and it is not a lock in contract. So if at any point in time, you are not happy, not a lock in contract for this essentially is a service to your account, your investments, and assurances, and everything for you in the meantime. Okay. And then the last one is another compliance form. It is just a tax file number form just to say we are keeping your tax file number secure and safe on file. No worries. Now that was essentially all those documents. Now I know sometimes it's a little bit tricky if you can't see it. So, hopefully, that comes through to you soon. When Mhmm. it does have a bit of a read over, if you have any questions, just let me know. Otherwise, if you're happy to do so, I will just need you to sign those through documents. You can do it all digitally, and then it will automatically send it back to me, and I will get that all uploaded for you. Okay. I will also update your postal address here and get the team to post out those beneficiary forms for your insurances for your shoe super and insurance. Yep. See. No worries. Now, Matthew, when it comes to, obviously, the legal side of it as well, do you have a good lawyer, or would you like me to get the team to send you, like, a firm that we work closely with if if you do need to talk to them a bit more on, like, the legal side with your kids and stuff like that. No. That's all I've got. We've My got mom's got a she's got a solicitor that does all her stuff, so I'll use oh, the great. same one.","start_word":6129,"end_word":6450,"sentiment":"neutral","sentiment_score":0.13153433799743652},{"text":"Okay. Perfect. Yeah. No. That's really good. Now I hope everything does work out for you, obviously, with the kids and the court and everything and that it won't drag on too long.","start_word":6451,"end_word":6483,"sentiment":"positive","sentiment_score":0.5255038142204285},{"text":"Like I said, if there's anything else that I can help you with with that, whether that be cash flow or or anything like that, or if it gets to a point where you are really, really struggling, just just let me know.","start_word":6484,"end_word":6526,"sentiment":"neutral","sentiment_score":0.14840857684612274},{"text":"Just give me a call, and I can always book you in for another catch up and see if there's, yeah, something we can do with your your income or cash wise to help you in any way. Alright. Thanks a lot. Yep. No problem. Well, I will let you go and do enjoy the rest of your day, Matthew. Like I said, keep a lookout for that email. Let me know how you go. And if there's anything else that you do need, don't hesitate to give me a call. No problem. Well, you enjoy the rest of your day, and I look forward to speaking with you soon again. You too, and I have a good day. You too.","start_word":6527,"end_word":6647,"sentiment":"positive","sentiment_score":0.5390824675559998},{"text":"Bye.","start_word":6648,"end_word":6648,"sentiment":"neutral","sentiment_score":0.3058585822582245}],"average":{"sentiment":"neutral","sentiment_score":0.07933161964547188}}}}