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Is now still a good time there for you? Yep. Yep. Absolutely. You let me know when you're ready there. Yeah. You're right. Yep. You alright? That's okay. Yep. You can hear me okay? Beautiful. Now before I jump into the call, Reese, I do have to let you know, moving forward, our calls are recorded for training and quality purposes. Are you happy with that? Fantastic. And just to do a quick security check there for you, I'm discussing your personal information. I'll get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. Now having a look at things, I know last time I heard from you, your email mentioned that you have been made redundant from your previous role, but it looks like you got a new job now. Okay. Beautiful. And how are you enjoying that? Not as much. Oh, yeah. Yeah. Yeah. I'm still here. Yeah. Are you sort of looking to see if anything else comes up as well in the meantime, or you're sort of just happy to go with this for the time being? Or yeah. Yep. Perfect. Okay. Yeah. Yeah. Absolutely. Fantastic. I love that. Well, good luck, and let me know how you go with that one. I know working for Queensland Health would be a lot more of a, you know, a lot more interesting for you, but also a lot more challenging as a role. Yeah. That'd be good. Mhmm. Yep. Yeah. Yeah. All good. Income wise at the moment, what are you earning currently? Yeah. Okay. Yep. Okay. Okay. Yeah. No. That's okay. Not a problem. Yeah. Yes. Beautiful. And with the income that you're earning currently, are you guys managing to sort of save much out of your income, or is everything going to your regular expenditure? Yeah. Okay. Not saving much. Yeah. Yep. So I can Yeah. No. Absolute understandable. Okay. Having a look now, I know you can't sort of look at your emails, but I'll send through your annual review documents so you can have a look at them later on. But to give you a bit of an overview, when we sort of caught up in January, February this year, your balance then was sitting at $167,004.39 and 40¢ there. Since then, your balance has increased, and we're now sitting at a $171,515.96 there. So we have seen some growth, albeit the growth is a little bit less than what I would generally like for this year, but it is also to do with the ups and downs within the market currently there. Yeah. What I would like to do, though, I can see some investments within your super that, at the moment, aren't really performing the way I'd like them to be. So I do wanna go back and maybe review the investments within your super, update your portfolio, remove anything that's underperforming, and maybe just readjust the portfolio to make sure it's working harder for you. How does that sound? Fantastic. Now one of the things I wanted to sort of look at with you is essentially how you wanna see your funds invested because there are different ways of investing our money. At the moment, within your current portfolio, you have some actively managed investments in there. Now active managers are supposed to be buying and selling in a way that they out outperform against the market. They're trying to outperform against what the market is doing, and they are for the time in the market. Active managers, you can pay a little bit more in fees to have active managers in your portfolio. We have other options. Because you are 50 this year, you are getting closer to accessing super. You can also look at a more of a passively managed sorry. A a passive investment side of things, which is cheaper. Lower cost might also, you know, reduce your fees a little bit more, and can also reduce the risk a little bit as opposed to having that active management in your portfolio. Which way would you like me to focus with building your portfolio? In all honesty, having a look at your age and stage and the thing I find with a lot of people around their fifties is we are looking to start reducing a little bit of risk. We are starting to be a little bit more concerned with the market ups and downs because we're, you know, from where we're able to access super about ten years out to start with. So I do find that in our fifties, we are starting to get a little bit, you know, less risky, wanting to sort of maybe look at more passively managed investments and maybe look saving on fees. I've got some options here that might reduce the investment costs within your portfolio. If I can reduce the fees within the portfolio and still make it work harder, it'll mean more money stays invested for your retirement. It'll also, you know, show good, hopefully, positive returns, and we'll keep reviewing it. I'd probably be looking going more passively managed for yourself, but it also depends on your your level of risk. Do you wanna see a little bit more risk to try and get greater potential returns, or are you a little bit nervous about the ups and downs the market has been offering? Mhmm. No. Yes. So, essentially, we don't put stop losses on the portfolio. That's essentially us trying to time the market. So what we sort of wanna do is when we see ups and downs within the market, we wanna take advantage of those. And because now you're getting paid weekly, now we also have the weekly payday let the payday super contributions. That means your contribution should be going in as your pay does, so essentially every week with your income. We don't put stop losses yeah. Oh, fortnightly? Beautiful. So yeah. That's okay. Fortnightly. So your income your employer contribution should be going in fortnightly with your income, essentially. The reason we don't sort of and a lot of super funds don't allow us stop losses to be put onto their portfolios solely because that's essentially us time in the market. That's saying, hey. We, you know, don't wanna take advantage of the downtimes. When we when we invest money, we have different portfolios. So we have, like, a high growth environment, a growth, a balanced growth, and a balanced and more conservative. And each of these stages has a different risk level. Essentially, when you are more than six years away from accessing your super, you're in that growth environment now. So that sees 80% of your super invested in growth assets. So think about Australian shares, international shares, listed property, and then gold and silver and commodities and precious metals and things like that. They're all growth assets, and they're the ones that go up and down and can make us quite nervous. Being in that growth environment and having six years before accessing your your super means that when the portfolio takes a dip, yes, it could see a 10, a 20, or a 30% drop in the market, but we keep you invested. We keep the money being invested into those downtime. So when the market comes out, you bought into the dip. Essentially, it's taking advantage of the downtimes there. What I would not wanna see for you is have you, you know, five or four years away from accessing your super and still be in that growth environment. If you were that sort of close to accessing super, we would definitely be taking less risk in the market, and I'd be coaching you to move your portfolio down to something a little bit less risky. That way, the expected dips you would receive or are expected to receive should be lower. There's definitely no guarantees. Yeah. There's always a lot of risk involved, but the way I sort of look at the portfolios is about making sure that you're taking a level of risk that's comfortable. You want growth, but we always see and feel down times as being a really negative thing. When you've got a bit of time on your side, it's actually a positive. They always say buy low, sell high, but that's one of the hardest things that people have to do is see their portfolio dipping a bit and keep that money invested, whereas that is the best time to buy because, you know, if you had, you know, the S and P 500 and it saw a 20% dip, you're buying into a discounted investment opportunity. So when the market recovers and comes back out, you're taking advantage of that time frame. So, realistically, that growth environment still suits your time horizon and your risk capacity. However, I wouldn't wanna see you taking in any more risk. And within that growth environment, if I alter your portfolio to, you know, remove any underperforming investments, maybe keep it more passively managed and try to reduce fees that could provide a bit more, you know, growth down the track for you as well. Does that make sense? Do you have any questions? Yeah. Yeah. Absolutely. Yeah. Absolutely. Yeah. Definitely. Absolutely. And because, you know, looking at things, you're 49 right now. You're about to turn 60 this year sorry, 50 this year. So what I would probably look at doing you are. I'm so excited for that for you. I love that. Look. I'm 42 this year, Rhys. I honestly, it's taken me a bit to be comfortable with my age, but I'm actually loving my forties right now. So oh, you're you're comfortable, and you're happy. That's all that matters. Yeah. Absolutely. Well, what I can even do with this advice piece for you is because you are about in within that sort of ten year time horizon currently, I can have a look at, you know, the longevity outcome. We we are very cautious around of, you know, projecting all the way to retirement. But because you are 50 this year, I can look forward to the age of 60 to sort of project what we expect to happen within that time frame with, you know, the portfolio with the recommendations making, and then also what kind of longevity that might look like for you based on what you have currently. Does that sound okay? Perfect. It gives you a little bit of a bird's eye view, sort of shows you what we're projecting out to be, and then we'll just keep reviewing that moving forward for you again. Okay? Excellent. Fantastic. Yes. You're moving every phase. Yeah. Really? Yeah. Yeah. Yeah. Yeah. Right. Wow. Yeah. Oh, absolutely. Yeah. Yep. Insane. Yeah. Absolutely. No. Completely understandable. Well, that's great. And, okay, I've got that down here as your goal. So, you know, retiring at age 60 and then wanting to move to Thailand, purchase a business and or a property and kind of, you know, live cheaply over there, That's kind of your main retirement goal at this point in time. Is that about right? Yeah. Yep. Beautiful. Fantastic. Yep. Yep. Yep. I mean, it it also depends on kind of what you're doing. So, realistically, with your super balance at the time of retirement, if you look to take out a lump sum and utilize that to purchase a home and or a business within tie the Thailand area, that reduces how much you have invested. But the other side of it is in those retirement years, with what you have sitting in so far, I would wanna have maybe sitting in more income producing investments. That way, it provides you a bit more longevity. We could maybe look depending on where you're at. If you're living overseas, we may not get the same eligibility or criteria, but we could also get some Centrelink side of things. So having some Centrelink and what's coming out of super plus having it invested in income producing investments will help to draw down your income. It'll keep your capital invested. Will help to draw down your income. It'll keep your capital invested, and, hopefully, we don't have to draw as much of your capital. So that's kinda how we look at that through those retirement years and try and make it last as long as possible. But moving forward, we just wanna kinda boost that as much as possible, have it growing and building as as much as we can over the next ten years. So you start off with a good lump sum and then work out from there what you wanna do with those funds, how you want how you wanna have it invested, or whether you wanna draw a lump sum when you get that retirement side of things. Yep. Yeah. There are ways to do it, but it is very difficult. You don't get the same eligibility as you do if you are living here, but it also could change over the next ten years. So I would be wanting to look at that, you know, when you're closer to 67 because you won't get it before that point, and then looking at what the changes are with regards to that in that time frame as well. So, yeah, it all depends on eligibility at that time, and you got ten years till 60 and then another seven years on top of that. So seventeen years and a lot could change in the Centrelink side of things there. I will. I will. Absolutely. And you've got here so I've got down noted that in retirement, you were hoping to draw about $400 per week from your super each from yourself and your partner's super. Is that right? Yes. Yes. Yep. Beautiful. And do you know how much you're going to need to draw out roughly to buy the apartment you're after? Have you looked at what that might cost you? Okay. Yep. Beautiful. And you'll probably, maybe taking that out of super when you retire as a lump sum to be able to buy that apartment. Is that right? Or do you think you'll yep. Okay. From super. Beautiful. Yep. Yeah. Beautiful. Yep. Beautiful. Yeah. Excellent. Lovely. Well, that just gives me a bit of an idea on my projected outcome and what that looks like for you so I can sort of see where we're tracking and where we're heading. Absolutely. The other thing is now I know in the past, we sort of talked about you haven't really got a lot of expendable income, but are you open to maybe making additional contributions or maybe starting to put smaller extra amounts of money in the super, like salary sacrifice to kinda help boost your super, or is that kind of a no go at the moment? Yeah. Yep. Yes. Beautiful. Yep. Absolutely. Fantastic. Love that. Yep. Yeah. Yeah. No. Completely understandable. That's all good. I'll make sure we put that down as something to sort of focus on down the track for you. Other assets I had noted here, now your vehicle, your BMW, you had valued at 18,000 last year. Would you still value it the same? Oh, sorry about that. I will change that. It's an Audi a three? Yep. You did. You did. I'm just removing that off here for you. Now last I because I have that down here as well. Valuation on the Audi a three was 16,500. What would you value that at the moment? Yep. Yep. Yeah. Wow. Absolutely. Yep. Yeah. Yep. Absolutely. And that vehicle was borrowed. You were paying it back at $3.23 per month last year. Are you still has that loan decreased a little bit? How much do you have owing on that still? Yep. Okay. Yep. That's okay. Beautiful. And how much do you have owing on the loan total? Do you know? No. That's okay. You're fine. And I've also got your content valued at about 30,000 total. Would you keep it at that? Yep. See. 40? Beautiful. And then I've got down here. Do you still have the 2,002 Avalon? Yep. Beautiful. Valuation on that was about 2,000. Would you keep it about that? Yep. Yep. Yep. Yeah. Yep. Yeah. Yeah. No. That's okay. Yeah. No. No. That's right. And do you still have the Nissan X Trail as well? That was the other vehicle I had noted here. Yep. Beautiful. I have a valuation on that of 5,000. Would you keep that fairly similar? 5,000? Yes. Okay. Okay. Yeah. Yeah. She's driving it. Beautiful. I mean, they're a great car. They're not bad on fuel. They're really they're great. They're you know? I love a good X Trail. No. I have a Kona. I got a smaller vehicle recently because I just needed to get out of my RAV. Yeah. It was too big. I don't have small kids at home anymore, and I don't need the fuel bill. So I've got a hybrid Kona. Yeah. Yeah. Yeah. But it's really good on fuel. There is. There is. It is all like you press button start. You don't need the key. It's got the screen and everything. It's it's very tacky. It's been very difficult to get used to because for the last twenty to twenty five years, I've driven a manual a manual five speed RAV four. So but, no, it's really good. I like the fuel bill because it's minimal at the moment, and that's what I wanted. So yeah. Oh, good. Excellent. I've got down here now it looks like I still need to obviously, with your beneficiaries, you want Louise to be noted as your beneficiary. It looks like that that document was sent out to you late last year, but it hasn't been completed yet. I really wanna get your beneficiaries sorted. So I'm gonna prefill that for you. Are you comfortable with that? Yep. Beautiful. And I'll make sure that is posted and emailed out to you to have that filled out because at the moment, there's no nomination still, and I really need that to be updated to protect you if anything happens. Okay? That's yep. Beautiful. Legend. The other thing to sort of touch on here is the insurances. So you've got your AIA policy there, which currently shows that with your life and TBD, we're sitting at 551,250. If anything was to happen, that's what you're covered for at the moment. If you think about your life cover, so if anything happened to you, Louise would be able to claim the life of the two the $5,512.50 plus your super balance currently sitting at $5,171,005 15. It essentially gives her a sum insured of $722,007.65 as a bit of a buffer if you would have passed away. Does that feel fairly comfortable for you at the moment? Beautiful. And TBD, you have the same level of cover. We can also claim on super and have that released under permanent incapacity if you are TBD. Are you happy with the level of cover, or did you wanna kinda review that a bit more? Yep. Beautiful. I've also got your income protection policy. So you've got that monthly benefit of $4,054.18. What I'll do is to check that against your income. When you send me your payslip, I'll double check your income protection policy. If you're a bit underinsured, then we'll come back and have that conversation to talk about whether you wanna look at increasing or altering that. How does that sound? Yep. Beautiful. I've got in the a DocuSign there for you as well just a couple of documents. So it gives you your summary of your insurances and safety, your hub twenty four performance report, The OC financial services guide, which has a lovely glossy picture of me and all my license information for you, it's also got your AIA insurance policy information and your ongoing service agreement there as well. So are currently with your balance being under 200,000 on 1.65%. So we'll get you to sign and return that back there for us so we can continue providing those services. And in the meantime, I'll do some research, and we'll go forward and update your portfolio. Just focusing on changing, altering the portfolio, you know, lowering the risk level, keeping you more passively invested a little bit, and saving on fees. How does that sound so far? Yeah? Beautiful. The last thing I just wanted to double check was just your risk profile questionnaire. So just to run through a couple of questions to make sure that that growth portfolio still suits you there. I've answered majority of them already to make it a bit easier on you. The the first one here is thinking about the level of risk you are taking and how markets react. Do you feel comfortable taking a higher level of risk to try and get greater potential returns to make sure your returns are keeping up with inflation? Are you comfortable with a moderate or medium amount of risk to try and beat inflation, or are you not comfortable with risk at all and prefer lower risk investments knowing that the returns are lower? Where do you see yourself bidding on that scale? Yep. Beautiful. Excellent. If you saw the market fall or if you saw your super fall due to external market conditions over the next, say, six months and let's say fell 20%, how do you think you might be feeling? Are you wanting to maybe put some more money into the market, take advantage of the downtime? Are you a bit nervous, maybe calling us and talking to me and seeing what we suggest you do, or are you wanting to move your funds into cash? How do you think you might react? Yep. Beautiful. I love it. It's a good answer. Oh, thank you. The last one here the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or is that something you consider too risky and would only ever borrow for property? How do you think you sort of fit there? Yeah. Absolutely. Perfect. Well, thank you for that, Reese. You have scored us a growth investor. That does sort of have you that eighty twenty split as we went for before. It suits someone who has about six years before accessing their super, and we understand a negative return is likely, say, one in every odd years. Are you still comfortable with that level of exposure? But you're too. Yeah. Beautiful. Excellent. Well, I'll look at keeping you in within that sort of allocation. You've got a copy of those documents in your email ready to have a look at when you home this afternoon. Is there anything that I maybe haven't touched on that you wanted to ask me today as well? Or Yep. That's okay. That's alright. The only other thing I just sort of wanted to touch on I've just had a look at is, last time we called up, yourself and Louise, you haven't done a will or power of attorneys. Have you guys been talking about speaking to services of a solicitor that have those things drawn up? Or yep. Yeah. You can definitely do it that way. One of the biggest things and why people tend to get a solicitor to draw up a will is that it is less contestable. All wills are contestable. However, a will being done drawn up by a solicitor does essentially meet certain conditions of the criteria with regard to legislation. So it's generally filled out more correctly, and the judge is more willing to take that into consideration. With having a will from the post office, so long as you fill that out correctly, it still does look after you. It still does, you know, mean people need to follow the wishes. However, it is obviously can be more contestable. I have seen scenarios where, you know, a judge is throwing those sorts of things out and gone, look. It's just not valid. I'm not willing to do this. It doesn't, you know, fit. There are other ways, though, and each state also has, like, a trust fee that can do at will. So I have a little bit of information if you wanted me to send it through on maybe the trust fee. That way, it's done up by someone who can follow legislation like a solicitor, but it is a much cheaper process for you. Did you want me to do up that for you? Yep? Yeah. Absolutely. Perfect. And the only other thing I just wanted to quickly touch on is because you're not really looking you don't really have any expendable income and the possibility of changing jobs in the shorter term. Are you wanting to look at any additional insurances like trauma which are paid out of your back pocket, or is that sort of, you know, just happy to keep the life and keeping income protection you have? Yes. Yep. Absolutely. Perfect. Well, thank you so much for that, Rhys. I will get stuck into the last few things. I'll get the email out to you. And when you get a second, if you can shoot me a payslip, I'll just double check your income protection, and I'll come back and let you know if we need to maybe touch base with regard to the the amount of income protection you have. Okay? Oh, my pleasure. It's been a pleasure. I hope you have a good day. Beautiful. Yep. Legend. Thank you so much for your time this morning. 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Reese. It's Dana from OQ Financial. How are you this morning? Thank you for taking my call. I had to book in to go through your annual review this morning.\n\nIs now still a good time there for you? Yep. Yep. Absolutely. You let me know when you're ready there.\n\nYeah. You're right. Yep. You alright? That's okay.\n\nYep. You can hear me okay? Beautiful. Now before I jump into the call, Reese, I do have to let you know, moving forward, our calls are recorded for training and quality purposes. Are you happy with that?\n\nFantastic. And just to do a quick security check there for you, I'm discussing your personal information. I'll get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful.\n\nThank you so much for that. Now having a look at things, I know last time I heard from you, your email mentioned that you have been made redundant from your previous role, but it looks like you got a new job now. Okay. Beautiful. And how are you enjoying that?\n\nNot as much. Oh, yeah. Yeah. Yeah. I'm still here.\n\nYeah. Are you sort of looking to see if anything else comes up as well in the meantime, or you're sort of just happy to go with this for the time being? Or yeah. Yep. Perfect.\n\nOkay. Yeah. Yeah. Absolutely. Fantastic.\n\nI love that. Well, good luck, and let me know how you go with that one. I know working for Queensland Health would be a lot more of a, you know, a lot more interesting for you, but also a lot more challenging as a role. Yeah. That'd be good.\n\nMhmm. Yep. Yeah. Yeah. All good.\n\nIncome wise at the moment, what are you earning currently? Yeah. Okay. Yep. Okay.\n\nOkay. Yeah. No. That's okay. Not a problem.\n\nYeah. Yes. Beautiful. And with the income that you're earning currently, are you guys managing to sort of save much out of your income, or is everything going to your regular expenditure? Yeah.\n\nOkay. Not saving much. Yeah. Yep. So I can Yeah.\n\nNo. Absolute understandable. Okay. Having a look now, I know you can't sort of look at your emails, but I'll send through your annual review documents so you can have a look at them later on. But to give you a bit of an overview, when we sort of caught up in January, February this year, your balance then was sitting at $167,004.39 and 40¢ there.\n\nSince then, your balance has increased, and we're now sitting at a $171,515.96 there. So we have seen some growth, albeit the growth is a little bit less than what I would generally like for this year, but it is also to do with the ups and downs within the market currently there. Yeah. What I would like to do, though, I can see some investments within your super that, at the moment, aren't really performing the way I'd like them to be. So I do wanna go back and maybe review the investments within your super, update your portfolio, remove anything that's underperforming, and maybe just readjust the portfolio to make sure it's working harder for you.\n\nHow does that sound? Fantastic. Now one of the things I wanted to sort of look at with you is essentially how you wanna see your funds invested because there are different ways of investing our money. At the moment, within your current portfolio, you have some actively managed investments in there. Now active managers are supposed to be buying and selling in a way that they out outperform against the market.\n\nThey're trying to outperform against what the market is doing, and they are for the time in the market. Active managers, you can pay a little bit more in fees to have active managers in your portfolio. We have other options. Because you are 50 this year, you are getting closer to accessing super. You can also look at a more of a passively managed sorry.\n\nA a passive investment side of things, which is cheaper. Lower cost might also, you know, reduce your fees a little bit more, and can also reduce the risk a little bit as opposed to having that active management in your portfolio. Which way would you like me to focus with building your portfolio? In all honesty, having a look at your age and stage and the thing I find with a lot of people around their fifties is we are looking to start reducing a little bit of risk. We are starting to be a little bit more concerned with the market ups and downs because we're, you know, from where we're able to access super about ten years out to start with.\n\nSo I do find that in our fifties, we are starting to get a little bit, you know, less risky, wanting to sort of maybe look at more passively managed investments and maybe look saving on fees. I've got some options here that might reduce the investment costs within your portfolio. If I can reduce the fees within the portfolio and still make it work harder, it'll mean more money stays invested for your retirement. It'll also, you know, show good, hopefully, positive returns, and we'll keep reviewing it. I'd probably be looking going more passively managed for yourself, but it also depends on your your level of risk.\n\nDo you wanna see a little bit more risk to try and get greater potential returns, or are you a little bit nervous about the ups and downs the market has been offering? Mhmm. No. Yes. So, essentially, we don't put stop losses on the portfolio.\n\nThat's essentially us trying to time the market. So what we sort of wanna do is when we see ups and downs within the market, we wanna take advantage of those. And because now you're getting paid weekly, now we also have the weekly payday let the payday super contributions. That means your contribution should be going in as your pay does, so essentially every week with your income. We don't put stop losses yeah.\n\nOh, fortnightly? Beautiful. So yeah. That's okay. Fortnightly.\n\nSo your income your employer contribution should be going in fortnightly with your income, essentially. The reason we don't sort of and a lot of super funds don't allow us stop losses to be put onto their portfolios solely because that's essentially us time in the market. That's saying, hey. We, you know, don't wanna take advantage of the downtimes. When we when we invest money, we have different portfolios.\n\nSo we have, like, a high growth environment, a growth, a balanced growth, and a balanced and more conservative. And each of these stages has a different risk level. Essentially, when you are more than six years away from accessing your super, you're in that growth environment now. So that sees 80% of your super invested in growth assets. So think about Australian shares, international shares, listed property, and then gold and silver and commodities and precious metals and things like that.\n\nThey're all growth assets, and they're the ones that go up and down and can make us quite nervous. Being in that growth environment and having six years before accessing your your super means that when the portfolio takes a dip, yes, it could see a 10, a 20, or a 30% drop in the market, but we keep you invested. We keep the money being invested into those downtime. So when the market comes out, you bought into the dip. Essentially, it's taking advantage of the downtimes there.\n\nWhat I would not wanna see for you is have you, you know, five or four years away from accessing your super and still be in that growth environment. If you were that sort of close to accessing super, we would definitely be taking less risk in the market, and I'd be coaching you to move your portfolio down to something a little bit less risky. That way, the expected dips you would receive or are expected to receive should be lower. There's definitely no guarantees. Yeah.\n\nThere's always a lot of risk involved, but the way I sort of look at the portfolios is about making sure that you're taking a level of risk that's comfortable. You want growth, but we always see and feel down times as being a really negative thing. When you've got a bit of time on your side, it's actually a positive. They always say buy low, sell high, but that's one of the hardest things that people have to do is see their portfolio dipping a bit and keep that money invested, whereas that is the best time to buy because, you know, if you had, you know, the S and P 500 and it saw a 20% dip, you're buying into a discounted investment opportunity. So when the market recovers and comes back out, you're taking advantage of that time frame.\n\nSo, realistically, that growth environment still suits your time horizon and your risk capacity. However, I wouldn't wanna see you taking in any more risk. And within that growth environment, if I alter your portfolio to, you know, remove any underperforming investments, maybe keep it more passively managed and try to reduce fees that could provide a bit more, you know, growth down the track for you as well. Does that make sense? Do you have any questions?\n\nYeah. Yeah. Absolutely. Yeah. Absolutely.\n\nYeah. Definitely. Absolutely. And because, you know, looking at things, you're 49 right now. You're about to turn 60 this year sorry, 50 this year.\n\nSo what I would probably look at doing you are. I'm so excited for that for you. I love that. Look. I'm 42 this year, Rhys.\n\nI honestly, it's taken me a bit to be comfortable with my age, but I'm actually loving my forties right now. So oh, you're you're comfortable, and you're happy. That's all that matters. Yeah. Absolutely.\n\nWell, what I can even do with this advice piece for you is because you are about in within that sort of ten year time horizon currently, I can have a look at, you know, the longevity outcome. We we are very cautious around of, you know, projecting all the way to retirement. But because you are 50 this year, I can look forward to the age of 60 to sort of project what we expect to happen within that time frame with, you know, the portfolio with the recommendations making, and then also what kind of longevity that might look like for you based on what you have currently. Does that sound okay? Perfect.\n\nIt gives you a little bit of a bird's eye view, sort of shows you what we're projecting out to be, and then we'll just keep reviewing that moving forward for you again. Okay? Excellent. Fantastic. Yes.\n\nYou're moving every phase. Yeah. Really? Yeah. Yeah.\n\nYeah. Yeah. Right. Wow. Yeah.\n\nOh, absolutely. Yeah. Yep. Insane. Yeah.\n\nAbsolutely. No. Completely understandable. Well, that's great. And, okay, I've got that down here as your goal.\n\nSo, you know, retiring at age 60 and then wanting to move to Thailand, purchase a business and or a property and kind of, you know, live cheaply over there, That's kind of your main retirement goal at this point in time. Is that about right? Yeah. Yep. Beautiful.\n\nFantastic. Yep. Yep. Yep. I mean, it it also depends on kind of what you're doing.\n\nSo, realistically, with your super balance at the time of retirement, if you look to take out a lump sum and utilize that to purchase a home and or a business within tie the Thailand area, that reduces how much you have invested. But the other side of it is in those retirement years, with what you have sitting in so far, I would wanna have maybe sitting in more income producing investments. That way, it provides you a bit more longevity. We could maybe look depending on where you're at. If you're living overseas, we may not get the same eligibility or criteria, but we could also get some Centrelink side of things.\n\nSo having some Centrelink and what's coming out of super plus having it invested in income producing investments will help to draw down your income. It'll keep your capital invested. Will help to draw down your income. It'll keep your capital invested, and, hopefully, we don't have to draw as much of your capital. So that's kinda how we look at that through those retirement years and try and make it last as long as possible.\n\nBut moving forward, we just wanna kinda boost that as much as possible, have it growing and building as as much as we can over the next ten years. So you start off with a good lump sum and then work out from there what you wanna do with those funds, how you want how you wanna have it invested, or whether you wanna draw a lump sum when you get that retirement side of things. Yep. Yeah. There are ways to do it, but it is very difficult.\n\nYou don't get the same eligibility as you do if you are living here, but it also could change over the next ten years. So I would be wanting to look at that, you know, when you're closer to 67 because you won't get it before that point, and then looking at what the changes are with regards to that in that time frame as well. So, yeah, it all depends on eligibility at that time, and you got ten years till 60 and then another seven years on top of that. So seventeen years and a lot could change in the Centrelink side of things there. I will.\n\nI will. Absolutely. And you've got here so I've got down noted that in retirement, you were hoping to draw about $400 per week from your super each from yourself and your partner's super. Is that right? Yes.\n\nYes. Yep. Beautiful. And do you know how much you're going to need to draw out roughly to buy the apartment you're after? Have you looked at what that might cost you?\n\nOkay. Yep. Beautiful. And you'll probably, maybe taking that out of super when you retire as a lump sum to be able to buy that apartment. Is that right?\n\nOr do you think you'll yep. Okay. From super. Beautiful. Yep.\n\nYeah. Beautiful. Yep. Beautiful. Yeah.\n\nExcellent. Lovely. Well, that just gives me a bit of an idea on my projected outcome and what that looks like for you so I can sort of see where we're tracking and where we're heading. Absolutely. The other thing is now I know in the past, we sort of talked about you haven't really got a lot of expendable income, but are you open to maybe making additional contributions or maybe starting to put smaller extra amounts of money in the super, like salary sacrifice to kinda help boost your super, or is that kind of a no go at the moment?\n\nYeah. Yep. Yes. Beautiful. Yep.\n\nAbsolutely. Fantastic. Love that. Yep. Yeah.\n\nYeah. No. Completely understandable. That's all good. I'll make sure we put that down as something to sort of focus on down the track for you.\n\nOther assets I had noted here, now your vehicle, your BMW, you had valued at 18,000 last year. Would you still value it the same? Oh, sorry about that. I will change that. It's an Audi a three?\n\nYep. You did. You did. I'm just removing that off here for you. Now last I because I have that down here as well.\n\nValuation on the Audi a three was 16,500. What would you value that at the moment? Yep. Yep. Yeah.\n\nWow. Absolutely. Yep. Yeah. Yep.\n\nAbsolutely. And that vehicle was borrowed. You were paying it back at $3.23 per month last year. Are you still has that loan decreased a little bit? How much do you have owing on that still?\n\nYep. Okay. Yep. That's okay. Beautiful.\n\nAnd how much do you have owing on the loan total? Do you know? No. That's okay. You're fine.\n\nAnd I've also got your content valued at about 30,000 total. Would you keep it at that? Yep. See. 40?\n\nBeautiful. And then I've got down here. Do you still have the 2,002 Avalon? Yep. Beautiful.\n\nValuation on that was about 2,000. Would you keep it about that? Yep. Yep. Yep.\n\nYeah. Yep. Yeah. Yeah. No.\n\nThat's okay. Yeah. No. No. That's right.\n\nAnd do you still have the Nissan X Trail as well? That was the other vehicle I had noted here. Yep. Beautiful. I have a valuation on that of 5,000.\n\nWould you keep that fairly similar? 5,000? Yes. Okay. Okay.\n\nYeah. Yeah. She's driving it. Beautiful. I mean, they're a great car.\n\nThey're not bad on fuel. They're really they're great. They're you know? I love a good X Trail. No.\n\nI have a Kona. I got a smaller vehicle recently because I just needed to get out of my RAV. Yeah. It was too big. I don't have small kids at home anymore, and I don't need the fuel bill.\n\nSo I've got a hybrid Kona. Yeah. Yeah. Yeah. But it's really good on fuel.\n\nThere is. There is. It is all like you press button start. You don't need the key. It's got the screen and everything.\n\nIt's it's very tacky. It's been very difficult to get used to because for the last twenty to twenty five years, I've driven a manual a manual five speed RAV four. So but, no, it's really good. I like the fuel bill because it's minimal at the moment, and that's what I wanted. So yeah.\n\nOh, good. Excellent. I've got down here now it looks like I still need to obviously, with your beneficiaries, you want Louise to be noted as your beneficiary. It looks like that that document was sent out to you late last year, but it hasn't been completed yet. I really wanna get your beneficiaries sorted.\n\nSo I'm gonna prefill that for you. Are you comfortable with that? Yep. Beautiful. And I'll make sure that is posted and emailed out to you to have that filled out because at the moment, there's no nomination still, and I really need that to be updated to protect you if anything happens.\n\nOkay? That's yep. Beautiful. Legend. The other thing to sort of touch on here is the insurances.\n\nSo you've got your AIA policy there, which currently shows that with your life and TBD, we're sitting at 551,250. If anything was to happen, that's what you're covered for at the moment. If you think about your life cover, so if anything happened to you, Louise would be able to claim the life of the two the $5,512.50 plus your super balance currently sitting at $5,171,005 15. It essentially gives her a sum insured of $722,007.65 as a bit of a buffer if you would have passed away. Does that feel fairly comfortable for you at the moment?\n\nBeautiful. And TBD, you have the same level of cover. We can also claim on super and have that released under permanent incapacity if you are TBD. Are you happy with the level of cover, or did you wanna kinda review that a bit more? Yep.\n\nBeautiful. I've also got your income protection policy. So you've got that monthly benefit of $4,054.18. What I'll do is to check that against your income. When you send me your payslip, I'll double check your income protection policy.\n\nIf you're a bit underinsured, then we'll come back and have that conversation to talk about whether you wanna look at increasing or altering that. How does that sound? Yep. Beautiful. I've got in the a DocuSign there for you as well just a couple of documents.\n\nSo it gives you your summary of your insurances and safety, your hub twenty four performance report, The OC financial services guide, which has a lovely glossy picture of me and all my license information for you, it's also got your AIA insurance policy information and your ongoing service agreement there as well. So are currently with your balance being under 200,000 on 1.65%. So we'll get you to sign and return that back there for us so we can continue providing those services. And in the meantime, I'll do some research, and we'll go forward and update your portfolio. Just focusing on changing, altering the portfolio, you know, lowering the risk level, keeping you more passively invested a little bit, and saving on fees.\n\nHow does that sound so far? Yeah? Beautiful. The last thing I just wanted to double check was just your risk profile questionnaire. So just to run through a couple of questions to make sure that that growth portfolio still suits you there.\n\nI've answered majority of them already to make it a bit easier on you. The the first one here is thinking about the level of risk you are taking and how markets react. Do you feel comfortable taking a higher level of risk to try and get greater potential returns to make sure your returns are keeping up with inflation? Are you comfortable with a moderate or medium amount of risk to try and beat inflation, or are you not comfortable with risk at all and prefer lower risk investments knowing that the returns are lower? Where do you see yourself bidding on that scale?\n\nYep. Beautiful. Excellent. If you saw the market fall or if you saw your super fall due to external market conditions over the next, say, six months and let's say fell 20%, how do you think you might be feeling? Are you wanting to maybe put some more money into the market, take advantage of the downtime?\n\nAre you a bit nervous, maybe calling us and talking to me and seeing what we suggest you do, or are you wanting to move your funds into cash? How do you think you might react? Yep. Beautiful. I love it.\n\nIt's a good answer. Oh, thank you. The last one here the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or is that something you consider too risky and would only ever borrow for property? How do you think you sort of fit there? Yeah.\n\nAbsolutely. Perfect. Well, thank you for that, Reese. You have scored us a growth investor. That does sort of have you that eighty twenty split as we went for before.\n\nIt suits someone who has about six years before accessing their super, and we understand a negative return is likely, say, one in every odd years. Are you still comfortable with that level of exposure? But you're too. Yeah. Beautiful.\n\nExcellent. Well, I'll look at keeping you in within that sort of allocation. You've got a copy of those documents in your email ready to have a look at when you home this afternoon. Is there anything that I maybe haven't touched on that you wanted to ask me today as well? Or Yep.\n\nThat's okay. That's alright. The only other thing I just sort of wanted to touch on I've just had a look at is, last time we called up, yourself and Louise, you haven't done a will or power of attorneys. Have you guys been talking about speaking to services of a solicitor that have those things drawn up? Or yep.\n\nYeah. You can definitely do it that way. One of the biggest things and why people tend to get a solicitor to draw up a will is that it is less contestable. All wills are contestable. However, a will being done drawn up by a solicitor does essentially meet certain conditions of the criteria with regard to legislation.\n\nSo it's generally filled out more correctly, and the judge is more willing to take that into consideration. With having a will from the post office, so long as you fill that out correctly, it still does look after you. It still does, you know, mean people need to follow the wishes. However, it is obviously can be more contestable. I have seen scenarios where, you know, a judge is throwing those sorts of things out and gone, look.\n\nIt's just not valid. I'm not willing to do this. It doesn't, you know, fit. There are other ways, though, and each state also has, like, a trust fee that can do at will. So I have a little bit of information if you wanted me to send it through on maybe the trust fee.\n\nThat way, it's done up by someone who can follow legislation like a solicitor, but it is a much cheaper process for you. Did you want me to do up that for you? Yep? Yeah. Absolutely.\n\nPerfect. And the only other thing I just wanted to quickly touch on is because you're not really looking you don't really have any expendable income and the possibility of changing jobs in the shorter term. Are you wanting to look at any additional insurances like trauma which are paid out of your back pocket, or is that sort of, you know, just happy to keep the life and keeping income protection you have? Yes. Yep.\n\nAbsolutely. Perfect. Well, thank you so much for that, Rhys. I will get stuck into the last few things. I'll get the email out to you.\n\nAnd when you get a second, if you can shoot me a payslip, I'll just double check your income protection, and I'll come back and let you know if we need to maybe touch base with regard to the the amount of income protection you have. Okay? Oh, my pleasure. It's been a pleasure. I hope you have a good day.\n\nBeautiful. Yep. Legend. Thank you so much for your time this morning. Enjoy your day.\n\nOkay. Any you too. Thanks, Reese. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Reese.","start":8.32,"end":8.8,"sentiment":"neutral","sentiment_score":0.14974228292703629},{"text":"It's Dana from OQ Financial.","start":8.8,"end":10.42,"sentiment":"neutral","sentiment_score":0.20623582005500793},{"text":"How are you this morning?","start":10.48,"end":11.54,"sentiment":"neutral","sentiment_score":0.24012022316455842},{"text":"Thank you for taking my call.","start":14.745,"end":16.525,"sentiment":"positive","sentiment_score":0.6657098631064097},{"text":"I had to book in to go through your annual review this morning.","start":16.904999,"end":19.625,"sentiment":"neutral","sentiment_score":0.17973576371486372}],"sentiment":"neutral","sentiment_score":0.28587383512527714,"num_words":31,"start":8.32,"end":19.625},{"sentences":[{"text":"Is now still a good time there for you?","start":19.625,"end":21.564999,"sentiment":"neutral","sentiment_score":0.26381558179855347},{"text":"Yep.","start":22.505,"end":23.005,"sentiment":"neutral","sentiment_score":-0.009976707398891447},{"text":"Yep.","start":26.265,"end":26.67,"sentiment":"neutral","sentiment_score":0.04360451549291611},{"text":"Absolutely.","start":28.35,"end":28.85,"sentiment":"neutral","sentiment_score":0.14464545249938965},{"text":"You let me know when you're ready there.","start":29.79,"end":31.73,"sentiment":"neutral","sentiment_score":0.06598461978137493}],"sentiment":"neutral","sentiment_score":0.15402452275156975,"num_words":20,"start":19.625,"end":31.73},{"sentences":[{"text":"Yeah.","start":41.07,"end":41.39,"sentiment":"neutral","sentiment_score":0.0305259358137846},{"text":"You're right.","start":41.39,"end":42.075,"sentiment":"neutral","sentiment_score":0.05360608734190464},{"text":"Yep.","start":67.55,"end":67.905,"sentiment":"neutral","sentiment_score":0.03174725919961929},{"text":"You alright?","start":85.439995,"end":86.0,"sentiment":"neutral","sentiment_score":-0.007857984281145036},{"text":"That's okay.","start":86.0,"end":86.74,"sentiment":"neutral","sentiment_score":0.03281196299940348}],"sentiment":"neutral","sentiment_score":0.027424165891716257,"num_words":8,"start":41.07,"end":86.74},{"sentences":[{"text":"Yep.","start":89.04,"end":89.36,"sentiment":"neutral","sentiment_score":0.03378167003393173},{"text":"You can hear me okay?","start":89.36,"end":90.58,"sentiment":"neutral","sentiment_score":0.020968596264719964},{"text":"Beautiful.","start":91.84,"end":92.34,"sentiment":"neutral","sentiment_score":0.2663183808326721},{"text":"Now before I jump into the call, Reese, I do have to let you know, moving forward, our calls are recorded for training and quality purposes.","start":92.64,"end":97.985,"sentiment":"neutral","sentiment_score":0.06736987943832691},{"text":"Are you happy with that?","start":97.985,"end":99.285,"sentiment":"neutral","sentiment_score":0.1114338755607605}],"sentiment":"neutral","sentiment_score":0.07141392829975016,"num_words":38,"start":89.04,"end":99.285},{"sentences":[{"text":"Fantastic.","start":100.865005,"end":101.365005,"sentiment":"positive","sentiment_score":0.40435948967933655},{"text":"And just to do a quick security check there for you, I'm discussing your personal information.","start":101.505005,"end":105.025,"sentiment":"neutral","sentiment_score":0.15908684395253658},{"text":"I'll get you to confirm your full name, your date of birth, and address I should have on file.","start":105.025,"end":108.885,"sentiment":"neutral","sentiment_score":0.10994372948219902},{"text":"Yep.","start":113.28,"end":113.78,"sentiment":"neutral","sentiment_score":0.06288602948188782},{"text":"Beautiful.","start":116.079994,"end":116.56,"sentiment":"positive","sentiment_score":0.3522587716579437}],"sentiment":"neutral","sentiment_score":0.1435217014268825,"num_words":38,"start":100.865005,"end":116.56},{"sentences":[{"text":"Thank you so much for that.","start":116.56,"end":117.92,"sentiment":"positive","sentiment_score":0.4123137841622035},{"text":"Now having a look at things, I know last time I heard from you, your email mentioned that you have been made redundant from your previous role, but it looks like you got a new job now.","start":117.92,"end":126.615005,"sentiment":"neutral","sentiment_score":0.02925396554574773},{"text":"Okay.","start":130.115,"end":130.515,"sentiment":"neutral","sentiment_score":0.09318353235721588},{"text":"Beautiful.","start":130.515,"end":130.995,"sentiment":"neutral","sentiment_score":0.22448410093784332},{"text":"And how are you enjoying that?","start":130.995,"end":132.375,"sentiment":"neutral","sentiment_score":0.11088945095737775}],"sentiment":"neutral","sentiment_score":0.08900556410206299,"num_words":51,"start":116.56,"end":132.375},{"sentences":[{"text":"Not as much.","start":135.235,"end":136.215,"sentiment":"neutral","sentiment_score":-0.30446181694666546},{"text":"Oh, yeah.","start":138.09,"end":142.59,"sentiment":"neutral","sentiment_score":-0.11025115847587585},{"text":"Yeah.","start":148.97,"end":149.13,"sentiment":"neutral","sentiment_score":0.002428563311696053},{"text":"Yeah.","start":149.13,"end":149.45,"sentiment":"neutral","sentiment_score":0.025765549391508102},{"text":"I'm still here.","start":149.45,"end":150.195,"sentiment":"neutral","sentiment_score":0.050416264683008194}],"sentiment":"neutral","sentiment_score":-0.09544448610395193,"num_words":10,"start":135.235,"end":150.195},{"sentences":[{"text":"Yeah.","start":160.27501,"end":160.755,"sentiment":"neutral","sentiment_score":0.1025843545794487},{"text":"Are you sort of looking to see if anything else comes up as well in the meantime, or you're sort of just happy to go with this for the time being?","start":160.755,"end":167.34,"sentiment":"neutral","sentiment_score":0.057639221750920816},{"text":"Or yeah.","start":167.34,"end":167.9,"sentiment":"neutral","sentiment_score":0.02360062673687935},{"text":"Yep.","start":167.9,"end":168.4,"sentiment":"neutral","sentiment_score":0.04140967130661011},{"text":"Perfect.","start":168.54,"end":169.04,"sentiment":"neutral","sentiment_score":0.2354673594236374}],"sentiment":"neutral","sentiment_score":0.06148551425172223,"num_words":36,"start":160.27501,"end":169.04},{"sentences":[{"text":"Okay.","start":174.06,"end":174.56,"sentiment":"neutral","sentiment_score":0.03527187556028366},{"text":"Yeah.","start":175.9,"end":176.4,"sentiment":"neutral","sentiment_score":0.04525790363550186},{"text":"Yeah.","start":185.235,"end":185.735,"sentiment":"neutral","sentiment_score":0.1439584493637085},{"text":"Absolutely.","start":186.355,"end":186.855,"sentiment":"positive","sentiment_score":0.5059714317321777},{"text":"Fantastic.","start":187.795,"end":188.295,"sentiment":"positive","sentiment_score":0.7466551065444946}],"sentiment":"neutral","sentiment_score":0.2954229533672333,"num_words":5,"start":174.06,"end":188.295},{"sentences":[{"text":"I love that.","start":188.675,"end":189.235,"sentiment":"positive","sentiment_score":0.7424777746200562},{"text":"Well, good luck, and let me know how you go with that one.","start":189.235,"end":191.895,"sentiment":"positive","sentiment_score":0.34092893508764416},{"text":"I know working for Queensland Health would be a lot more of a, you know, a lot more interesting for you, but also a lot more challenging as a role.","start":192.29001,"end":199.51,"sentiment":"neutral","sentiment_score":-0.06826319731771946},{"text":"Yeah.","start":201.89,"end":202.39,"sentiment":"neutral","sentiment_score":0.028675954788923264},{"text":"That'd be good.","start":202.69,"end":203.59,"sentiment":"neutral","sentiment_score":0.11903727302948634}],"sentiment":"neutral","sentiment_score":0.09994802668690682,"num_words":50,"start":188.675,"end":203.59},{"sentences":[{"text":"Mhmm.","start":211.225,"end":211.725,"sentiment":"neutral","sentiment_score":-0.029146909713745117},{"text":"Yep.","start":212.66501,"end":213.16501,"sentiment":"neutral","sentiment_score":0.0006936267018318176},{"text":"Yeah.","start":215.625,"end":216.125,"sentiment":"neutral","sentiment_score":0.022465188056230545},{"text":"Yeah.","start":218.66501,"end":219.145,"sentiment":"neutral","sentiment_score":0.11016055941581726},{"text":"All good.","start":219.145,"end":219.965,"sentiment":"neutral","sentiment_score":0.23806196451187134}],"sentiment":"neutral","sentiment_score":0.0967160655806462,"num_words":6,"start":211.225,"end":219.965},{"sentences":[{"text":"Income wise at the moment, what are you earning currently?","start":220.70999,"end":223.29,"sentiment":"neutral","sentiment_score":0.025698493234813213},{"text":"Yeah.","start":229.67,"end":230.17,"sentiment":"neutral","sentiment_score":0.05205317586660385},{"text":"Okay.","start":232.15,"end":232.65,"sentiment":"neutral","sentiment_score":0.06820342689752579},{"text":"Yep.","start":235.545,"end":236.045,"sentiment":"neutral","sentiment_score":0.12740330398082733},{"text":"Okay.","start":241.305,"end":241.805,"sentiment":"neutral","sentiment_score":0.04906623065471649}],"sentiment":"neutral","sentiment_score":0.03955079069627183,"num_words":14,"start":220.70999,"end":241.805},{"sentences":[{"text":"Okay.","start":247.625,"end":248.125,"sentiment":"neutral","sentiment_score":0.07669895142316818},{"text":"Yeah.","start":251.0,"end":251.4,"sentiment":"neutral","sentiment_score":0.03764046728610992},{"text":"No.","start":251.4,"end":251.64,"sentiment":"neutral","sentiment_score":0.016873151063919067},{"text":"That's okay.","start":251.64,"end":252.36,"sentiment":"neutral","sentiment_score":0.05721108429133892},{"text":"Not a problem.","start":252.36,"end":253.26,"sentiment":"neutral","sentiment_score":0.14660111566384634}],"sentiment":"neutral","sentiment_score":0.08567976066842675,"num_words":8,"start":247.625,"end":253.26},{"sentences":[{"text":"Yeah.","start":253.4,"end":253.9,"sentiment":"neutral","sentiment_score":0.1741241216659546},{"text":"Yes.","start":256.44,"end":256.94,"sentiment":"positive","sentiment_score":0.4492032825946808},{"text":"Beautiful.","start":257.24,"end":257.74,"sentiment":"positive","sentiment_score":0.7367109060287476},{"text":"And with the income that you're earning currently, are you guys managing to sort of save much out of your income, or is everything going to your regular expenditure?","start":258.36,"end":265.625,"sentiment":"neutral","sentiment_score":0.10767455771565437},{"text":"Yeah.","start":268.405,"end":268.805,"sentiment":"neutral","sentiment_score":0.024920184165239338}],"sentiment":"neutral","sentiment_score":0.1365915354002606,"num_words":33,"start":253.4,"end":268.805},{"sentences":[{"text":"Okay.","start":268.805,"end":269.285,"sentiment":"neutral","sentiment_score":0.011283999308943748},{"text":"Not saving much.","start":269.285,"end":270.42502,"sentiment":"neutral","sentiment_score":-0.14879292249679565},{"text":"Yeah.","start":280.97998,"end":281.47998,"sentiment":"neutral","sentiment_score":-0.07730039954185486},{"text":"Yep.","start":281.53998,"end":282.03998,"sentiment":"neutral","sentiment_score":-0.13912630081176758},{"text":"So I can Yeah.","start":282.41998,"end":289.665,"sentiment":"neutral","sentiment_score":-0.21136755868792534}],"sentiment":"neutral","sentiment_score":-0.1496991703286767,"num_words":10,"start":268.805,"end":289.665},{"sentences":[{"text":"No.","start":289.665,"end":290.14502,"sentiment":"neutral","sentiment_score":-0.1677820086479187},{"text":"Absolute understandable.","start":290.14502,"end":291.685,"sentiment":"neutral","sentiment_score":-0.14162108302116394},{"text":"Okay.","start":293.58502,"end":294.08502,"sentiment":"neutral","sentiment_score":-0.016285249963402748},{"text":"Having a look now, I know you can't sort of look at your emails, but I'll send through your annual review documents so you can have a look at them later on.","start":295.105,"end":300.945,"sentiment":"neutral","sentiment_score":-0.0055378880351781845},{"text":"But to give you a bit of an overview, when we sort of caught up in January, February this year, your balance then was sitting at $167,004.39 and 40¢ there.","start":300.945,"end":312.35,"sentiment":"neutral","sentiment_score":0.011714969729555064}],"sentiment":"neutral","sentiment_score":-0.004689041840342375,"num_words":66,"start":289.665,"end":312.35},{"sentences":[{"text":"Since then, your balance has increased, and we're now sitting at a $171,515.96 there.","start":312.73,"end":320.345,"sentiment":"neutral","sentiment_score":0.08115804967071329},{"text":"So we have seen some growth, albeit the growth is a little bit less than what I would generally like for this year, but it is also to do with the ups and downs within the market currently there.","start":320.345,"end":331.005,"sentiment":"neutral","sentiment_score":-0.037855048592274},{"text":"Yeah.","start":333.81998,"end":334.31998,"sentiment":"neutral","sentiment_score":-0.029850000515580177},{"text":"What I would like to do, though, I can see some investments within your super that, at the moment, aren't really performing the way I'd like them to be.","start":334.38,"end":340.69998,"sentiment":"neutral","sentiment_score":-0.12618246918608403},{"text":"So I do wanna go back and maybe review the investments within your super, update your portfolio, remove anything that's underperforming, and maybe just readjust the portfolio to make sure it's working harder for you.","start":340.69998,"end":352.14502,"sentiment":"neutral","sentiment_score":-0.04210759816425187}],"sentiment":"neutral","sentiment_score":-0.04663594696923333,"num_words":118,"start":312.73,"end":352.14502},{"sentences":[{"text":"How does that sound?","start":352.14502,"end":353.285,"sentiment":"neutral","sentiment_score":0.1561865285038948},{"text":"Fantastic.","start":355.745,"end":356.245,"sentiment":"positive","sentiment_score":0.7835705280303955},{"text":"Now one of the things I wanted to sort of look at with you is essentially how you wanna see your funds invested because there are different ways of investing our money.","start":356.465,"end":364.27002,"sentiment":"neutral","sentiment_score":0.129143979633227},{"text":"At the moment, within your current portfolio, you have some actively managed investments in there.","start":364.65,"end":369.93,"sentiment":"neutral","sentiment_score":0.07210740372538567},{"text":"Now active managers are supposed to be buying and selling in a way that they out outperform against the market.","start":369.93,"end":375.765,"sentiment":"neutral","sentiment_score":0.16361962892115117}],"sentiment":"neutral","sentiment_score":0.13742955034184787,"num_words":72,"start":352.14502,"end":375.765},{"sentences":[{"text":"They're trying to outperform against what the market is doing, and they are for the time in the market.","start":375.765,"end":381.145,"sentiment":"neutral","sentiment_score":0.07416273026089919},{"text":"Active managers, you can pay a little bit more in fees to have active managers in your portfolio.","start":382.005,"end":387.305,"sentiment":"neutral","sentiment_score":0.05506538547989395},{"text":"We have other options.","start":388.63998,"end":389.91998,"sentiment":"neutral","sentiment_score":0.058671923354268074},{"text":"Because you are 50 this year, you are getting closer to accessing super.","start":389.91998,"end":393.86,"sentiment":"neutral","sentiment_score":0.12015186422146283},{"text":"You can also look at a more of a passively managed sorry.","start":394.08,"end":398.1,"sentiment":"neutral","sentiment_score":0.06559544242918491}],"sentiment":"neutral","sentiment_score":0.07551630380365884,"num_words":66,"start":375.765,"end":398.1},{"sentences":[{"text":"A a passive investment side of things, which is cheaper.","start":398.16,"end":401.38,"sentiment":"neutral","sentiment_score":0.07694876417517663},{"text":"Lower cost might also, you know, reduce your fees a little bit more, and can also reduce the risk a little bit as opposed to having that active management in your portfolio.","start":401.68,"end":410.905,"sentiment":"neutral","sentiment_score":0.13451125333085656},{"text":"Which way would you like me to focus with building your portfolio?","start":411.045,"end":414.105,"sentiment":"neutral","sentiment_score":0.0712915314361453},{"text":"In all honesty, having a look at your age and stage and the thing I find with a lot of people around their fifties is we are looking to start reducing a little bit of risk.","start":418.9,"end":426.9,"sentiment":"neutral","sentiment_score":0.04044221258825726},{"text":"We are starting to be a little bit more concerned with the market ups and downs because we're, you know, from where we're able to access super about ten years out to start with.","start":426.9,"end":435.255,"sentiment":"neutral","sentiment_score":0.012902587542639059}],"sentiment":"neutral","sentiment_score":0.06309640125161217,"num_words":124,"start":398.16,"end":435.255},{"sentences":[{"text":"So I do find that in our fifties, we are starting to get a little bit, you know, less risky, wanting to sort of maybe look at more passively managed investments and maybe look saving on fees.","start":435.255,"end":446.41998,"sentiment":"neutral","sentiment_score":0.09247311677884411},{"text":"I've got some options here that might reduce the investment costs within your portfolio.","start":446.47998,"end":450.81998,"sentiment":"neutral","sentiment_score":0.16869189643434115},{"text":"If I can reduce the fees within the portfolio and still make it work harder, it'll mean more money stays invested for your retirement.","start":451.36,"end":458.81998,"sentiment":"neutral","sentiment_score":0.29577700793743134},{"text":"It'll also, you know, show good, hopefully, positive returns, and we'll keep reviewing it.","start":459.19998,"end":463.915,"sentiment":"positive","sentiment_score":0.4003282849277769},{"text":"I'd probably be looking going more passively managed for yourself, but it also depends on your your level of risk.","start":464.535,"end":471.495,"sentiment":"neutral","sentiment_score":0.036686941608786584}],"sentiment":"neutral","sentiment_score":0.17633187965652264,"num_words":109,"start":435.255,"end":471.495},{"sentences":[{"text":"Do you wanna see a little bit more risk to try and get greater potential returns, or are you a little bit nervous about the ups and downs the market has been offering?","start":471.495,"end":479.62997,"sentiment":"neutral","sentiment_score":-0.08883243505701874},{"text":"Mhmm.","start":487.84998,"end":488.34998,"sentiment":"neutral","sentiment_score":-0.0529671385884285},{"text":"No.","start":506.04,"end":506.54,"sentiment":"neutral","sentiment_score":-0.189456045627594},{"text":"Yes.","start":508.52002,"end":509.0,"sentiment":"neutral","sentiment_score":-0.05642349272966385},{"text":"So, essentially, we don't put stop losses on the portfolio.","start":509.0,"end":511.82,"sentiment":"neutral","sentiment_score":-0.07088630683720112}],"sentiment":"neutral","sentiment_score":-0.08563435004781121,"num_words":46,"start":471.495,"end":511.82},{"sentences":[{"text":"That's essentially us trying to time the market.","start":512.04004,"end":514.04004,"sentiment":"neutral","sentiment_score":-0.00986641424242407},{"text":"So what we sort of wanna do is when we see ups and downs within the market, we wanna take advantage of those.","start":514.04004,"end":519.105,"sentiment":"neutral","sentiment_score":0.030948265739109204},{"text":"And because now you're getting paid weekly, now we also have the weekly payday let the payday super contributions.","start":519.345,"end":526.885,"sentiment":"neutral","sentiment_score":0.1315543810395818},{"text":"That means your contribution should be going in as your pay does, so essentially every week with your income.","start":527.345,"end":532.64496,"sentiment":"neutral","sentiment_score":0.1373550970303385},{"text":"We don't put stop losses yeah.","start":533.1,"end":535.92,"sentiment":"neutral","sentiment_score":0.007155418706436952}],"sentiment":"neutral","sentiment_score":0.07713455191502969,"num_words":75,"start":512.04004,"end":535.92},{"sentences":[{"text":"Oh, fortnightly?","start":537.42,"end":538.0,"sentiment":"neutral","sentiment_score":0.2117305025458336},{"text":"Beautiful.","start":538.22,"end":538.72,"sentiment":"positive","sentiment_score":0.5383017063140869},{"text":"So yeah.","start":538.86,"end":539.66,"sentiment":"neutral","sentiment_score":0.22197212278842926},{"text":"That's okay.","start":539.66,"end":540.48,"sentiment":"neutral","sentiment_score":0.2449498400092125},{"text":"Fortnightly.","start":540.7,"end":541.2,"sentiment":"neutral","sentiment_score":0.17060372233390808}],"sentiment":"neutral","sentiment_score":0.2582762949168682,"num_words":8,"start":537.42,"end":541.2},{"sentences":[{"text":"So your income your employer contribution should be going in fortnightly with your income, essentially.","start":541.42,"end":546.48,"sentiment":"neutral","sentiment_score":0.13647958983977634},{"text":"The reason we don't sort of and a lot of super funds don't allow us stop losses to be put onto their portfolios solely because that's essentially us time in the market.","start":547.365,"end":555.365,"sentiment":"neutral","sentiment_score":-0.10336175432894379},{"text":"That's saying, hey.","start":555.365,"end":556.425,"sentiment":"neutral","sentiment_score":-0.05266203234593073},{"text":"We, you know, don't wanna take advantage of the downtimes.","start":556.96497,"end":560.505,"sentiment":"neutral","sentiment_score":-0.1426435060799122},{"text":"When we when we invest money, we have different portfolios.","start":561.06,"end":564.12,"sentiment":"neutral","sentiment_score":0.01611662618815899}],"sentiment":"neutral","sentiment_score":-0.03833767409835543,"num_words":70,"start":541.42,"end":564.12},{"sentences":[{"text":"So we have, like, a high growth environment, a growth, a balanced growth, and a balanced and more conservative.","start":564.34,"end":569.88,"sentiment":"neutral","sentiment_score":0.10435546150333003},{"text":"And each of these stages has a different risk level.","start":570.34,"end":574.28,"sentiment":"neutral","sentiment_score":-0.06691776718944312},{"text":"Essentially, when you are more than six years away from accessing your super, you're in that growth environment now.","start":574.665,"end":581.305,"sentiment":"neutral","sentiment_score":-0.10885018620051835},{"text":"So that sees 80% of your super invested in growth assets.","start":581.305,"end":585.065,"sentiment":"neutral","sentiment_score":-0.026182970709421417},{"text":"So think about Australian shares, international shares, listed property, and then gold and silver and commodities and precious metals and things like that.","start":585.065,"end":593.29,"sentiment":"neutral","sentiment_score":-0.019486302631380764}],"sentiment":"neutral","sentiment_score":-0.018180183895931738,"num_words":82,"start":564.34,"end":593.29},{"sentences":[{"text":"They're all growth assets, and they're the ones that go up and down and can make us quite nervous.","start":593.43,"end":598.17,"sentiment":"neutral","sentiment_score":-0.15698484821539177},{"text":"Being in that growth environment and having six years before accessing your your super means that when the portfolio takes a dip, yes, it could see a 10, a 20, or a 30% drop in the market, but we keep you invested.","start":598.63,"end":612.265,"sentiment":"neutral","sentiment_score":-0.17699960778866494},{"text":"We keep the money being invested into those downtime.","start":612.265,"end":615.085,"sentiment":"neutral","sentiment_score":-0.18164184358384874},{"text":"So when the market comes out, you bought into the dip.","start":615.225,"end":618.45,"sentiment":"neutral","sentiment_score":-0.1454011012207378},{"text":"Essentially, it's taking advantage of the downtimes there.","start":618.77,"end":621.75,"sentiment":"neutral","sentiment_score":-0.20536540262401104}],"sentiment":"neutral","sentiment_score":-0.17184053449315972,"num_words":89,"start":593.43,"end":621.75},{"sentences":[{"text":"What I would not wanna see for you is have you, you know, five or four years away from accessing your super and still be in that growth environment.","start":621.89,"end":630.31,"sentiment":"neutral","sentiment_score":-0.12970224022865295},{"text":"If you were that sort of close to accessing super, we would definitely be taking less risk in the market, and I'd be coaching you to move your portfolio down to something a little bit less risky.","start":630.855,"end":640.955,"sentiment":"neutral","sentiment_score":0.001955722030755636},{"text":"That way, the expected dips you would receive or are expected to receive should be lower.","start":641.415,"end":646.92,"sentiment":"neutral","sentiment_score":0.0009748497977852821},{"text":"There's definitely no guarantees.","start":647.62,"end":649.07996,"sentiment":"neutral","sentiment_score":-0.03485961101250723},{"text":"Yeah.","start":649.3,"end":649.54,"sentiment":"neutral","sentiment_score":-0.03244110569357872}],"sentiment":"neutral","sentiment_score":-0.04419868051117265,"num_words":87,"start":621.89,"end":649.54},{"sentences":[{"text":"There's always a lot of risk involved, but the way I sort of look at the portfolios is about making sure that you're taking a level of risk that's comfortable.","start":649.54,"end":657.39996,"sentiment":"neutral","sentiment_score":-0.04305900124212106},{"text":"You want growth, but we always see and feel down times as being a really negative thing.","start":657.45996,"end":663.215,"sentiment":"neutral","sentiment_score":-0.17263418041607914},{"text":"When you've got a bit of time on your side, it's actually a positive.","start":663.435,"end":666.315,"sentiment":"neutral","sentiment_score":0.04101858660578728},{"text":"They always say buy low, sell high, but that's one of the hardest things that people have to do is see their portfolio dipping a bit and keep that money invested, whereas that is the best time to buy because, you know, if you had, you know, the S and P 500 and it saw a 20% dip, you're buying into a discounted investment opportunity.","start":666.315,"end":685.85,"sentiment":"neutral","sentiment_score":-0.03179902601987124},{"text":"So when the market recovers and comes back out, you're taking advantage of that time frame.","start":685.91,"end":690.495,"sentiment":"positive","sentiment_score":0.33554641157388687}],"sentiment":"neutral","sentiment_score":-0.0024682042110239118,"num_words":142,"start":649.54,"end":690.495},{"sentences":[{"text":"So, realistically, that growth environment still suits your time horizon and your risk capacity.","start":690.495,"end":696.275,"sentiment":"neutral","sentiment_score":0.23728211277297565},{"text":"However, I wouldn't wanna see you taking in any more risk.","start":697.135,"end":700.14,"sentiment":"neutral","sentiment_score":-0.0858613286506046},{"text":"And within that growth environment, if I alter your portfolio to, you know, remove any underperforming investments, maybe keep it more passively managed and try to reduce fees that could provide a bit more, you know, growth down the track for you as well.","start":700.14,"end":713.82,"sentiment":"neutral","sentiment_score":0.18507919646799564},{"text":"Does that make sense?","start":713.82,"end":714.7,"sentiment":"neutral","sentiment_score":0.13387638330459595},{"text":"Do you have any questions?","start":714.7,"end":715.92004,"sentiment":"neutral","sentiment_score":0.04468375891447067}],"sentiment":"neutral","sentiment_score":0.14461389661599428,"num_words":78,"start":690.495,"end":715.92004},{"sentences":[{"text":"Yeah.","start":728.16504,"end":728.66504,"sentiment":"neutral","sentiment_score":0.16033849120140076},{"text":"Yeah.","start":728.72504,"end":729.22504,"sentiment":"neutral","sentiment_score":0.14947134256362915},{"text":"Absolutely.","start":739.1,"end":739.6,"sentiment":"neutral","sentiment_score":0.2083369791507721},{"text":"Yeah.","start":749.64496,"end":750.14496,"sentiment":"neutral","sentiment_score":0.1284191757440567},{"text":"Absolutely.","start":750.44495,"end":750.94495,"sentiment":"neutral","sentiment_score":0.11117192357778548}],"sentiment":"neutral","sentiment_score":0.15154758244752883,"num_words":5,"start":728.16504,"end":750.94495},{"sentences":[{"text":"Yeah.","start":751.64496,"end":752.125,"sentiment":"neutral","sentiment_score":0.04936960339546203},{"text":"Definitely.","start":752.125,"end":752.625,"sentiment":"neutral","sentiment_score":0.12349220365285872},{"text":"Absolutely.","start":753.00494,"end":753.50494,"sentiment":"neutral","sentiment_score":0.14850860834121704},{"text":"And because, you know, looking at things, you're 49 right now.","start":753.88495,"end":756.925,"sentiment":"neutral","sentiment_score":0.10069769891825589},{"text":"You're about to turn 60 this year sorry, 50 this year.","start":756.925,"end":760.39,"sentiment":"neutral","sentiment_score":0.06400093165310947}],"sentiment":"neutral","sentiment_score":0.08532221406698227,"num_words":25,"start":751.64496,"end":760.39},{"sentences":[{"text":"So what I would probably look at doing you are.","start":760.39,"end":762.95,"sentiment":"neutral","sentiment_score":0.021260421723127365},{"text":"I'm so excited for that for you.","start":762.95,"end":764.89,"sentiment":"neutral","sentiment_score":0.2411385497876576},{"text":"I love that.","start":766.63,"end":767.69,"sentiment":"neutral","sentiment_score":-0.05470680693785349},{"text":"Look.","start":769.43,"end":769.75,"sentiment":"neutral","sentiment_score":0.03571288660168648},{"text":"I'm 42 this year, Rhys.","start":769.75,"end":771.51,"sentiment":"neutral","sentiment_score":0.0986030288040638}],"sentiment":"neutral","sentiment_score":0.08712237213666622,"num_words":26,"start":760.39,"end":771.51},{"sentences":[{"text":"I honestly, it's taken me a bit to be comfortable with my age, but I'm actually loving my forties right now.","start":771.51,"end":776.675,"sentiment":"neutral","sentiment_score":0.06991532906180337},{"text":"So oh, you're you're comfortable, and you're happy.","start":776.675,"end":783.715,"sentiment":"neutral","sentiment_score":0.31638120487332344},{"text":"That's all that matters.","start":783.715,"end":784.775,"sentiment":"neutral","sentiment_score":0.2918213903903961},{"text":"Yeah.","start":787.02,"end":787.52,"sentiment":"neutral","sentiment_score":0.2937523126602173},{"text":"Absolutely.","start":788.22,"end":788.72,"sentiment":"positive","sentiment_score":0.490119993686676}],"sentiment":"neutral","sentiment_score":0.17001226906265532,"num_words":35,"start":771.51,"end":788.72},{"sentences":[{"text":"Well, what I can even do with this advice piece for you is because you are about in within that sort of ten year time horizon currently, I can have a look at, you know, the longevity outcome.","start":789.9,"end":800.805,"sentiment":"neutral","sentiment_score":0.2128186837622994},{"text":"We we are very cautious around of, you know, projecting all the way to retirement.","start":800.805,"end":805.225,"sentiment":"neutral","sentiment_score":0.08815251265962919},{"text":"But because you are 50 this year, I can look forward to the age of 60 to sort of project what we expect to happen within that time frame with, you know, the portfolio with the recommendations making, and then also what kind of longevity that might look like for you based on what you have currently.","start":805.365,"end":823.49005,"sentiment":"neutral","sentiment_score":0.16694877427398114},{"text":"Does that sound okay?","start":823.79004,"end":825.01,"sentiment":"neutral","sentiment_score":0.11206108331680298},{"text":"Perfect.","start":826.975,"end":827.295,"sentiment":"positive","sentiment_score":0.6737487316131592}],"sentiment":"neutral","sentiment_score":0.17432583366399226,"num_words":115,"start":789.9,"end":827.295},{"sentences":[{"text":"It gives you a little bit of a bird's eye view, sort of shows you what we're projecting out to be, and then we'll just keep reviewing that moving forward for you again.","start":827.295,"end":834.915,"sentiment":"positive","sentiment_score":0.44356160272251477},{"text":"Okay?","start":834.975,"end":835.475,"sentiment":"neutral","sentiment_score":0.14142537117004397},{"text":"Excellent.","start":837.055,"end":837.555,"sentiment":"positive","sentiment_score":0.5360792875289917},{"text":"Fantastic.","start":838.015,"end":838.515,"sentiment":"positive","sentiment_score":0.4874749183654785},{"text":"Yes.","start":841.055,"end":841.41,"sentiment":"neutral","sentiment_score":0.2151850461959839}],"sentiment":"positive","sentiment_score":0.4329107435973915,"num_words":37,"start":827.295,"end":841.41},{"sentences":[{"text":"You're moving every phase.","start":841.97,"end":843.43,"sentiment":"neutral","sentiment_score":0.2534109801054001},{"text":"Yeah.","start":849.25,"end":849.75,"sentiment":"neutral","sentiment_score":0.01905111037194729},{"text":"Really?","start":864.865,"end":865.365,"sentiment":"neutral","sentiment_score":-0.0905402898788452},{"text":"Yeah.","start":882.015,"end":882.515,"sentiment":"neutral","sentiment_score":-0.0818091630935669},{"text":"Yeah.","start":882.575,"end":883.075,"sentiment":"neutral","sentiment_score":-0.0541437491774559}],"sentiment":"neutral","sentiment_score":0.10077522858045995,"num_words":8,"start":841.97,"end":883.075},{"sentences":[{"text":"Yeah.","start":883.135,"end":883.635,"sentiment":"neutral","sentiment_score":-0.06769761443138123},{"text":"Yeah.","start":904.43,"end":904.67004,"sentiment":"neutral","sentiment_score":-0.056612469255924225},{"text":"Right.","start":904.67004,"end":905.17004,"sentiment":"neutral","sentiment_score":-0.05792071670293808},{"text":"Wow.","start":905.815,"end":906.315,"sentiment":"neutral","sentiment_score":-0.11140675842761992},{"text":"Yeah.","start":919.01495,"end":919.51495,"sentiment":"neutral","sentiment_score":-0.2205793410539627}],"sentiment":"neutral","sentiment_score":-0.10284337997436524,"num_words":5,"start":883.135,"end":919.51495},{"sentences":[{"text":"Oh, absolutely.","start":924.92,"end":925.82,"sentiment":"neutral","sentiment_score":-0.17509230971336365},{"text":"Yeah.","start":926.27997,"end":926.77997,"sentiment":"neutral","sentiment_score":-0.08846497535705566},{"text":"Yep.","start":926.83997,"end":927.33997,"sentiment":"neutral","sentiment_score":-0.07408042252063751},{"text":"Insane.","start":931.88,"end":932.38,"sentiment":"neutral","sentiment_score":-0.3128679692745209},{"text":"Yeah.","start":933.24,"end":933.64,"sentiment":"neutral","sentiment_score":-0.02595682255923748}],"sentiment":"neutral","sentiment_score":-0.1419258015230298,"num_words":6,"start":924.92,"end":933.64},{"sentences":[{"text":"Absolutely.","start":933.64,"end":934.14,"sentiment":"neutral","sentiment_score":-0.010242503136396408},{"text":"No.","start":934.51996,"end":934.83997,"sentiment":"neutral","sentiment_score":-0.1264709234237671},{"text":"Completely understandable.","start":934.83997,"end":936.185,"sentiment":"neutral","sentiment_score":-0.1125916875898838},{"text":"Well, that's great.","start":936.185,"end":936.825,"sentiment":"positive","sentiment_score":0.4222797254721324},{"text":"And, okay, I've got that down here as your goal.","start":936.825,"end":938.825,"sentiment":"neutral","sentiment_score":0.265044678747654}],"sentiment":"neutral","sentiment_score":0.2091405389501768,"num_words":17,"start":933.64,"end":938.825},{"sentences":[{"text":"So, you know, retiring at age 60 and then wanting to move to Thailand, purchase a business and or a property and kind of, you know, live cheaply over there, That's kind of your main retirement goal at this point in time.","start":938.825,"end":950.68,"sentiment":"neutral","sentiment_score":0.10312159057883989},{"text":"Is that about right?","start":950.68,"end":951.82,"sentiment":"neutral","sentiment_score":0.10142858698964119},{"text":"Yeah.","start":960.52,"end":961.02,"sentiment":"neutral","sentiment_score":0.1256270408630371},{"text":"Yep.","start":961.08,"end":961.4,"sentiment":"neutral","sentiment_score":0.15258847177028656},{"text":"Beautiful.","start":961.4,"end":961.9,"sentiment":"positive","sentiment_score":0.5130022764205933}],"sentiment":"neutral","sentiment_score":0.11281712125150525,"num_words":49,"start":938.825,"end":961.9},{"sentences":[{"text":"Fantastic.","start":962.12,"end":962.62,"sentiment":"positive","sentiment_score":0.5729507803916931},{"text":"Yep.","start":970.895,"end":971.395,"sentiment":"neutral","sentiment_score":0.045331068336963654},{"text":"Yep.","start":975.375,"end":975.72,"sentiment":"neutral","sentiment_score":0.05331141874194145},{"text":"Yep.","start":975.72,"end":975.95996,"sentiment":"neutral","sentiment_score":0.05938589200377464},{"text":"I mean, it it also depends on kind of what you're doing.","start":975.95996,"end":978.6,"sentiment":"neutral","sentiment_score":0.037631835225814335}],"sentiment":"neutral","sentiment_score":0.07391007388650905,"num_words":16,"start":962.12,"end":978.6},{"sentences":[{"text":"So, realistically, with your super balance at the time of retirement, if you look to take out a lump sum and utilize that to purchase a home and or a business within tie the Thailand area, that reduces how much you have invested.","start":978.6,"end":990.455,"sentiment":"neutral","sentiment_score":0.09628283033190771},{"text":"But the other side of it is in those retirement years, with what you have sitting in so far, I would wanna have maybe sitting in more income producing investments.","start":990.515,"end":998.85504,"sentiment":"neutral","sentiment_score":0.09288579908510049},{"text":"That way, it provides you a bit more longevity.","start":998.91504,"end":1001.495,"sentiment":"neutral","sentiment_score":0.18491355329751968},{"text":"We could maybe look depending on where you're at.","start":1001.79504,"end":1003.88,"sentiment":"neutral","sentiment_score":0.06825690737201108},{"text":"If you're living overseas, we may not get the same eligibility or criteria, but we could also get some Centrelink side of things.","start":1003.88,"end":1010.92004,"sentiment":"neutral","sentiment_score":0.0350613699335119}],"sentiment":"neutral","sentiment_score":0.08782176606422454,"num_words":114,"start":978.6,"end":1010.92004},{"sentences":[{"text":"So having some Centrelink and what's coming out of super plus having it invested in income producing investments will help to draw down your income.","start":1010.92004,"end":1015.70154,"sentiment":"neutral","sentiment_score":-0.04870272815227508},{"text":"It'll keep your capital invested.","start":1015.70154,"end":1016.62006,"sentiment":"neutral","sentiment_score":0.23888032138347626},{"text":"Will help to draw down your income.","start":1017.195,"end":1019.055,"sentiment":"neutral","sentiment_score":0.23494834985051835},{"text":"It'll keep your capital invested, and, hopefully, we don't have to draw as much of your capital.","start":1019.195,"end":1024.155,"sentiment":"neutral","sentiment_score":0.24585016729200587},{"text":"So that's kinda how we look at that through those retirement years and try and make it last as long as possible.","start":1024.155,"end":1029.6951,"sentiment":"neutral","sentiment_score":0.19036833264610983}],"sentiment":"neutral","sentiment_score":0.1314345791347717,"num_words":76,"start":1010.92004,"end":1029.6951},{"sentences":[{"text":"But moving forward, we just wanna kinda boost that as much as possible, have it growing and building as as much as we can over the next ten years.","start":1030.4901,"end":1037.79,"sentiment":"positive","sentiment_score":0.5510977095571058},{"text":"So you start off with a good lump sum and then work out from there what you wanna do with those funds, how you want how you wanna have it invested, or whether you wanna draw a lump sum when you get that retirement side of things.","start":1038.01,"end":1048.705,"sentiment":"neutral","sentiment_score":0.26560296910874387},{"text":"Yep.","start":1050.845,"end":1051.345,"sentiment":"positive","sentiment_score":0.3556200861930847},{"text":"Yeah.","start":1063.7699,"end":1064.2699,"sentiment":"neutral","sentiment_score":0.008831395767629147},{"text":"There are ways to do it, but it is very difficult.","start":1064.57,"end":1068.0299,"sentiment":"neutral","sentiment_score":-0.05882966620000926}],"sentiment":"neutral","sentiment_score":0.31665728403401844,"num_words":89,"start":1030.4901,"end":1068.0299},{"sentences":[{"text":"You don't get the same eligibility as you do if you are living here, but it also could change over the next ten years.","start":1068.09,"end":1075.3451,"sentiment":"neutral","sentiment_score":-0.10219987093781431},{"text":"So I would be wanting to look at that, you know, when you're closer to 67 because you won't get it before that point, and then looking at what the changes are with regards to that in that time frame as well.","start":1075.3451,"end":1086.785,"sentiment":"neutral","sentiment_score":-0.009129083382764034},{"text":"So, yeah, it all depends on eligibility at that time, and you got ten years till 60 and then another seven years on top of that.","start":1086.785,"end":1095.6699,"sentiment":"neutral","sentiment_score":-0.0174332233145833},{"text":"So seventeen years and a lot could change in the Centrelink side of things there.","start":1095.6699,"end":1099.69,"sentiment":"neutral","sentiment_score":-0.035442472497622175},{"text":"I will.","start":1103.785,"end":1104.525,"sentiment":"positive","sentiment_score":0.39216752350330353}],"sentiment":"neutral","sentiment_score":-0.02786040597450022,"num_words":109,"start":1068.09,"end":1104.525},{"sentences":[{"text":"I will.","start":1105.545,"end":1106.265,"sentiment":"neutral","sentiment_score":0.27761220932006836},{"text":"Absolutely.","start":1106.265,"end":1106.765,"sentiment":"positive","sentiment_score":0.41189664602279663},{"text":"And you've got here so I've got down noted that in retirement, you were hoping to draw about $400 per week from your super each from yourself and your partner's super.","start":1107.785,"end":1117.82,"sentiment":"neutral","sentiment_score":0.2040677596965144},{"text":"Is that right?","start":1117.82,"end":1118.64,"sentiment":"neutral","sentiment_score":0.14691135783990225},{"text":"Yes.","start":1128.265,"end":1128.765,"sentiment":"neutral","sentiment_score":0.05418021976947784}],"sentiment":"neutral","sentiment_score":0.2049509449616859,"num_words":38,"start":1105.545,"end":1128.765},{"sentences":[{"text":"Yes.","start":1142.905,"end":1143.36,"sentiment":"neutral","sentiment_score":0.04226330295205116},{"text":"Yep.","start":1147.36,"end":1147.84,"sentiment":"neutral","sentiment_score":0.203669473528862},{"text":"Beautiful.","start":1147.84,"end":1148.32,"sentiment":"positive","sentiment_score":0.504623532295227},{"text":"And do you know how much you're going to need to draw out roughly to buy the apartment you're after?","start":1148.32,"end":1152.88,"sentiment":"neutral","sentiment_score":0.05883699245750904},{"text":"Have you looked at what that might cost you?","start":1152.88,"end":1155.22,"sentiment":"neutral","sentiment_score":0.007427966843048732}],"sentiment":"neutral","sentiment_score":0.06231712060980499,"num_words":32,"start":1142.905,"end":1155.22},{"sentences":[{"text":"Okay.","start":1160.665,"end":1161.165,"sentiment":"neutral","sentiment_score":0.2114284187555313},{"text":"Yep.","start":1161.305,"end":1161.7051,"sentiment":"neutral","sentiment_score":0.2824210524559021},{"text":"Beautiful.","start":1161.7051,"end":1162.185,"sentiment":"positive","sentiment_score":0.5423028469085693},{"text":"And you'll probably, maybe taking that out of super when you retire as a lump sum to be able to buy that apartment.","start":1162.185,"end":1168.905,"sentiment":"neutral","sentiment_score":0.20544569906981094},{"text":"Is that right?","start":1168.905,"end":1169.7251,"sentiment":"neutral","sentiment_score":0.0773570438226064}],"sentiment":"neutral","sentiment_score":0.20667153545494737,"num_words":29,"start":1160.665,"end":1169.7251},{"sentences":[{"text":"Or do you think you'll yep.","start":1170.2599,"end":1171.7799,"sentiment":"neutral","sentiment_score":-0.00130024963679413},{"text":"Okay.","start":1171.7799,"end":1172.1,"sentiment":"neutral","sentiment_score":0.03262351080775261},{"text":"From 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that just gives me a bit of an idea on my projected outcome and what that looks like for you so I can sort of see where we're tracking and where we're heading.","start":1199.19,"end":1206.07,"sentiment":"neutral","sentiment_score":0.21305907123229084},{"text":"Absolutely.","start":1206.07,"end":1206.57,"sentiment":"neutral","sentiment_score":0.12795120477676392},{"text":"The other thing is now I know in the past, we sort of talked about you haven't really got a lot of expendable income, but are you open to maybe making additional contributions or maybe starting to put smaller extra amounts of money in the super, like salary sacrifice to kinda help boost your super, or is that kind of a no go at the 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here.","start":1514.0399,"end":1516.0599,"sentiment":"neutral","sentiment_score":-0.0032384690518180528},{"text":"Yep.","start":1517.725,"end":1518.0449,"sentiment":"neutral","sentiment_score":0.12537893652915957},{"text":"Beautiful.","start":1518.0449,"end":1518.5449,"sentiment":"neutral","sentiment_score":0.2998858094215393},{"text":"I have a valuation on that of 5,000.","start":1518.605,"end":1521.005,"sentiment":"neutral","sentiment_score":0.06790446070954204}],"sentiment":"neutral","sentiment_score":0.032839159729580084,"num_words":30,"start":1511.7999,"end":1521.005},{"sentences":[{"text":"Would you keep that fairly similar?","start":1521.005,"end":1522.625,"sentiment":"neutral","sentiment_score":0.03778732009232044},{"text":"5,000?","start":1524.7649,"end":1525.585,"sentiment":"neutral","sentiment_score":0.0034889555536210537},{"text":"Yes.","start":1527.8049,"end":1528.3049,"sentiment":"neutral","sentiment_score":-0.02472098544239998},{"text":"Okay.","start":1530.125,"end":1530.54,"sentiment":"neutral","sentiment_score":0.013036326505243778},{"text":"Okay.","start":1531.02,"end":1531.5,"sentiment":"neutral","sentiment_score":0.015993941575288773}],"sentiment":"neutral","sentiment_score":0.02345221587456763,"num_words":10,"start":1521.005,"end":1531.5},{"sentences":[{"text":"Yeah.","start":1531.5,"end":1532.0,"sentiment":"neutral","sentiment_score":0.01932373642921448},{"text":"Yeah.","start":1534.54,"end":1535.04,"sentiment":"neutral","sentiment_score":0.03398509323596954},{"text":"She's driving it.","start":1535.26,"end":1536.06,"sentiment":"neutral","sentiment_score":0.07718043526013692},{"text":"Beautiful.","start":1536.06,"end":1536.38,"sentiment":"positive","sentiment_score":0.4135899543762207},{"text":"I mean, they're a great car.","start":1536.38,"end":1537.5,"sentiment":"neutral","sentiment_score":0.2765607287486394}],"sentiment":"neutral","sentiment_score":0.19648370519280434,"num_words":12,"start":1531.5,"end":1537.5},{"sentences":[{"text":"They're not bad on fuel.","start":1537.5,"end":1538.7001,"sentiment":"positive","sentiment_score":0.4065816342830658},{"text":"They're really they're great.","start":1538.7001,"end":1540.4601,"sentiment":"positive","sentiment_score":0.560919851064682},{"text":"They're you know?","start":1540.4601,"end":1541.36,"sentiment":"neutral","sentiment_score":0.2807927280664444},{"text":"I love a good X Trail.","start":1541.5,"end":1542.795,"sentiment":"positive","sentiment_score":0.5633390347162882},{"text":"No.","start":1545.1951,"end":1545.5951,"sentiment":"neutral","sentiment_score":-0.03912543132901192}],"sentiment":"positive","sentiment_score":0.44525655457063723,"num_words":19,"start":1537.5,"end":1545.5951},{"sentences":[{"text":"I have a Kona.","start":1545.5951,"end":1546.735,"sentiment":"neutral","sentiment_score":-0.0047489210264757276},{"text":"I got a smaller vehicle recently because I just needed to get out of my RAV.","start":1546.795,"end":1551.035,"sentiment":"neutral","sentiment_score":-0.00018421100685372938},{"text":"Yeah.","start":1551.035,"end":1551.1951,"sentiment":"neutral","sentiment_score":-0.08560904860496521},{"text":"It was too big.","start":1551.1951,"end":1551.915,"sentiment":"neutral","sentiment_score":-0.2620663158595562},{"text":"I don't have small kids at home anymore, and I don't need the fuel bill.","start":1551.915,"end":1555.035,"sentiment":"neutral","sentiment_score":-0.10913756837447484}],"sentiment":"neutral","sentiment_score":-0.06982202244689688,"num_words":40,"start":1545.5951,"end":1555.035},{"sentences":[{"text":"So I've got a hybrid Kona.","start":1555.035,"end":1556.735,"sentiment":"neutral","sentiment_score":0.01601263311264726},{"text":"Yeah.","start":1558.93,"end":1559.43,"sentiment":"neutral","sentiment_score":0.06800475716590881},{"text":"Yeah.","start":1561.17,"end":1561.3301,"sentiment":"neutral","sentiment_score":0.04250609502196312},{"text":"Yeah.","start":1561.3301,"end":1561.8301,"sentiment":"neutral","sentiment_score":0.048494018614292145},{"text":"But it's really good on fuel.","start":1561.97,"end":1563.75,"sentiment":"neutral","sentiment_score":0.27440515408913296}],"sentiment":"neutral","sentiment_score":0.12676743960085635,"num_words":15,"start":1555.035,"end":1563.75},{"sentences":[{"text":"There is.","start":1566.77,"end":1567.59,"sentiment":"neutral","sentiment_score":-0.00535173574462533},{"text":"There is.","start":1567.65,"end":1568.37,"sentiment":"neutral","sentiment_score":-0.008244094904512167},{"text":"It is all like you press button start.","start":1568.37,"end":1570.61,"sentiment":"neutral","sentiment_score":-0.028488095151260495},{"text":"You don't need the key.","start":1570.61,"end":1571.89,"sentiment":"neutral","sentiment_score":-0.0557475782930851},{"text":"It's got the screen and everything.","start":1571.89,"end":1573.725,"sentiment":"neutral","sentiment_score":-0.0834966879338026}],"sentiment":"neutral","sentiment_score":-0.044991932242460876,"num_words":23,"start":1566.77,"end":1573.725},{"sentences":[{"text":"It's it's very tacky.","start":1573.725,"end":1574.845,"sentiment":"negative","sentiment_score":-0.48316922038793564},{"text":"It's been very difficult to get used to because for the last twenty to twenty five years, I've driven a manual a manual five speed RAV four.","start":1574.845,"end":1584.045,"sentiment":"neutral","sentiment_score":-0.12419116952353054},{"text":"So but, no, it's really good.","start":1584.045,"end":1588.45,"sentiment":"neutral","sentiment_score":0.18908757654329142},{"text":"I like the fuel bill because it's minimal at the moment, and that's what I wanted.","start":1588.45,"end":1592.21,"sentiment":"positive","sentiment_score":0.35668166540563107},{"text":"So yeah.","start":1592.21,"end":1594.71,"sentiment":"neutral","sentiment_score":0.22640077769756317}],"sentiment":"neutral","sentiment_score":0.03651627640832554,"num_words":55,"start":1573.725,"end":1594.71},{"sentences":[{"text":"Oh, good.","start":1595.49,"end":1596.31,"sentiment":"positive","sentiment_score":0.4120074659585953},{"text":"Excellent.","start":1596.85,"end":1597.35,"sentiment":"positive","sentiment_score":0.4964858889579773},{"text":"I've got down here now it looks like I still need to obviously, with your beneficiaries, you want Louise to be noted as your beneficiary.","start":1597.89,"end":1605.7949,"sentiment":"neutral","sentiment_score":0.1095566901564598},{"text":"It looks like that that document was sent out to you late last year, but it hasn't been completed yet.","start":1605.855,"end":1610.575,"sentiment":"neutral","sentiment_score":0.06293363682925701},{"text":"I really wanna get your beneficiaries sorted.","start":1610.575,"end":1612.995,"sentiment":"neutral","sentiment_score":0.07515516451426915}],"sentiment":"neutral","sentiment_score":0.10625776296312159,"num_words":55,"start":1595.49,"end":1612.995},{"sentences":[{"text":"So I'm gonna prefill that for you.","start":1613.4,"end":1615.64,"sentiment":"neutral","sentiment_score":0.09366373398474284},{"text":"Are you comfortable with that?","start":1615.64,"end":1617.1,"sentiment":"neutral","sentiment_score":0.04554358497262001},{"text":"Yep.","start":1619.0,"end":1619.48,"sentiment":"neutral","sentiment_score":0.20830190181732175},{"text":"Beautiful.","start":1619.48,"end":1619.98,"sentiment":"positive","sentiment_score":0.40889471769332886},{"text":"And I'll make sure that is posted and emailed out to you to have that filled out because at the moment, there's no nomination still, and I really need that to be updated to protect you if anything happens.","start":1620.2001,"end":1630.4451,"sentiment":"neutral","sentiment_score":0.10400847355142617}],"sentiment":"neutral","sentiment_score":0.1048470028447655,"num_words":53,"start":1613.4,"end":1630.4451},{"sentences":[{"text":"Okay?","start":1630.505,"end":1631.005,"sentiment":"neutral","sentiment_score":0.03523378074169159},{"text":"That's yep.","start":1634.345,"end":1636.045,"sentiment":"neutral","sentiment_score":0.07665298879146576},{"text":"Beautiful.","start":1640.57,"end":1641.07,"sentiment":"positive","sentiment_score":0.41366255283355713},{"text":"Legend.","start":1641.29,"end":1641.79,"sentiment":"neutral","sentiment_score":0.15854951739311218},{"text":"The other thing to sort of touch on here is the insurances.","start":1642.25,"end":1644.75,"sentiment":"neutral","sentiment_score":-0.00046889514972766255}],"sentiment":"neutral","sentiment_score":0.04441912275026826,"num_words":17,"start":1630.505,"end":1644.75},{"sentences":[{"text":"So you've got your AIA policy there, which currently shows that with your life and TBD, we're sitting at 551,250.","start":1644.89,"end":1654.75,"sentiment":"neutral","sentiment_score":0.0046601310023106635},{"text":"If anything was to happen, that's what you're covered for at the moment.","start":1655.205,"end":1659.225,"sentiment":"neutral","sentiment_score":0.00023118850703422825},{"text":"If you think about your life cover, so if anything happened to you, Louise would be able to claim the life of the two the $5,512.50 plus your super balance currently sitting at $5,171,005 15.","start":1659.765,"end":1672.97,"sentiment":"neutral","sentiment_score":0.05301878436335496},{"text":"It essentially gives her a sum insured of $722,007.65 as a bit of a buffer if you would have passed away.","start":1673.35,"end":1681.2899,"sentiment":"neutral","sentiment_score":0.01664084151742004},{"text":"Does that feel fairly comfortable for you at the moment?","start":1681.605,"end":1684.105,"sentiment":"neutral","sentiment_score":0.13761312402784825}],"sentiment":"neutral","sentiment_score":0.03714600439898369,"num_words":99,"start":1644.89,"end":1684.105},{"sentences":[{"text":"Beautiful.","start":1686.965,"end":1687.465,"sentiment":"positive","sentiment_score":0.5663738250732422},{"text":"And TBD, you have the same level of cover.","start":1687.845,"end":1690.165,"sentiment":"neutral","sentiment_score":0.13242210944493613},{"text":"We can also claim on super and have that released under permanent incapacity if you are TBD.","start":1690.165,"end":1696.1849,"sentiment":"neutral","sentiment_score":0.06692902447984499},{"text":"Are you happy with the level of cover, or did you wanna kinda review that a bit more?","start":1697.3,"end":1701.16,"sentiment":"neutral","sentiment_score":0.06554654095735815},{"text":"Yep.","start":1704.1799,"end":1704.5,"sentiment":"neutral","sentiment_score":0.19924169778823853}],"sentiment":"neutral","sentiment_score":0.0929357752446895,"num_words":46,"start":1686.965,"end":1704.5},{"sentences":[{"text":"Beautiful.","start":1704.5,"end":1704.9,"sentiment":"positive","sentiment_score":0.3829977810382843},{"text":"I've also got your income protection policy.","start":1704.9,"end":1707.16,"sentiment":"neutral","sentiment_score":0.1084413645522935},{"text":"So you've got that monthly benefit of $4,054.18.","start":1707.22,"end":1712.4551,"sentiment":"neutral","sentiment_score":0.12445518095046282},{"text":"What I'll do is to check that against your income.","start":1712.4551,"end":1715.015,"sentiment":"neutral","sentiment_score":0.030681607872247697},{"text":"When you send me your payslip, I'll double check your income protection policy.","start":1715.015,"end":1718.7151,"sentiment":"neutral","sentiment_score":0.04157013130875734}],"sentiment":"neutral","sentiment_score":0.07653734785241958,"num_words":39,"start":1704.5,"end":1718.7151},{"sentences":[{"text":"If you're a bit underinsured, then we'll come back and have that conversation to talk about whether you wanna look at increasing or altering that.","start":1719.255,"end":1725.84,"sentiment":"neutral","sentiment_score":0.03865179715678096},{"text":"How does that sound?","start":1725.84,"end":1726.74,"sentiment":"neutral","sentiment_score":0.08325962722301483},{"text":"Yep.","start":1728.72,"end":1729.12,"sentiment":"neutral","sentiment_score":0.22985386848449707},{"text":"Beautiful.","start":1729.12,"end":1729.62,"sentiment":"positive","sentiment_score":0.47889506816864014},{"text":"I've got in the a DocuSign there for you as well just a couple of documents.","start":1730.64,"end":1734.8,"sentiment":"neutral","sentiment_score":0.23500270955264568}],"sentiment":"neutral","sentiment_score":0.12272607930440535,"num_words":47,"start":1719.255,"end":1734.8},{"sentences":[{"text":"So it gives you your summary of your insurances and safety, your hub twenty four performance report, The OC financial services guide, which has a lovely glossy picture of me and all my license information for you, it's also got your AIA insurance policy information and your ongoing service agreement there as well.","start":1734.8,"end":1752.275,"sentiment":"neutral","sentiment_score":0.21963205905455463},{"text":"So are currently with your balance being under 200,000 on 1.65%.","start":1752.275,"end":1757.17,"sentiment":"neutral","sentiment_score":0.08884387937459079},{"text":"So we'll get you to sign and return that back there for us so we can continue providing those services.","start":1757.79,"end":1762.61,"sentiment":"neutral","sentiment_score":0.20636343993246556},{"text":"And in the meantime, I'll do some research, and we'll go forward and update your portfolio.","start":1762.67,"end":1767.41,"sentiment":"neutral","sentiment_score":0.06509656459093094},{"text":"Just focusing on changing, altering the portfolio, you know, lowering the risk level, keeping you more passively invested a little bit, and saving on fees.","start":1768.015,"end":1776.735,"sentiment":"neutral","sentiment_score":0.1310191857814789}],"sentiment":"neutral","sentiment_score":0.16849660223722457,"num_words":125,"start":1734.8,"end":1776.735},{"sentences":[{"text":"How does that sound so far?","start":1776.735,"end":1778.515,"sentiment":"neutral","sentiment_score":0.11029262592395146},{"text":"Yeah?","start":1780.255,"end":1780.575,"sentiment":"positive","sentiment_score":0.34216058254241943},{"text":"Beautiful.","start":1780.575,"end":1781.075,"sentiment":"positive","sentiment_score":0.5773783922195435},{"text":"The last thing I just wanted to double check was just your risk profile questionnaire.","start":1781.215,"end":1785.83,"sentiment":"neutral","sentiment_score":0.13462620576222736},{"text":"So just to run through a couple of questions to make sure that that growth portfolio still suits you there.","start":1785.83,"end":1790.8099,"sentiment":"neutral","sentiment_score":0.12319083213806152}],"sentiment":"neutral","sentiment_score":0.14103498743023984,"num_words":43,"start":1776.735,"end":1790.8099},{"sentences":[{"text":"I've answered majority of them already to make it a bit easier on you.","start":1791.35,"end":1795.37,"sentiment":"neutral","sentiment_score":0.20706291496753693},{"text":"The the first one here is thinking about the level of risk you are taking and how markets react.","start":1796.23,"end":1802.245,"sentiment":"neutral","sentiment_score":0.010340175395341296},{"text":"Do you feel comfortable taking a higher level of risk to try and get greater potential returns to make sure your returns are keeping up with inflation?","start":1802.545,"end":1810.63,"sentiment":"neutral","sentiment_score":0.0065889451307830985},{"text":"Are you comfortable with a moderate or medium amount of risk to try and beat inflation, or are you not comfortable with risk at all and prefer lower risk investments knowing that the returns are lower?","start":1810.77,"end":1821.75,"sentiment":"neutral","sentiment_score":-0.029070964108945593},{"text":"Where do you see yourself bidding on that scale?","start":1821.845,"end":1823.9451,"sentiment":"neutral","sentiment_score":-0.00915364683088329}],"sentiment":"neutral","sentiment_score":0.020421982201791946,"num_words":105,"start":1791.35,"end":1823.9451},{"sentences":[{"text":"Yep.","start":1826.5651,"end":1827.045,"sentiment":"neutral","sentiment_score":0.10375486314296722},{"text":"Beautiful.","start":1827.045,"end":1827.545,"sentiment":"neutral","sentiment_score":0.2861784100532532},{"text":"Excellent.","start":1827.765,"end":1828.265,"sentiment":"neutral","sentiment_score":0.2854403257369995},{"text":"If you saw the market fall or if you saw your super fall due to external market conditions over the next, say, six months and let's say fell 20%, how do you think you might be feeling?","start":1829.605,"end":1839.72,"sentiment":"neutral","sentiment_score":-0.012833350684141388},{"text":"Are you wanting to maybe put some more money into the market, take advantage of the downtime?","start":1840.02,"end":1844.12,"sentiment":"neutral","sentiment_score":-0.032566925182062036}],"sentiment":"neutral","sentiment_score":-0.0061947035872818605,"num_words":57,"start":1826.5651,"end":1844.12},{"sentences":[{"text":"Are you a bit nervous, maybe calling us and talking to me and seeing what we suggest you do, or are you wanting to move your funds into cash?","start":1844.98,"end":1851.905,"sentiment":"neutral","sentiment_score":-0.06830637754294379},{"text":"How do you think you might react?","start":1851.905,"end":1853.4451,"sentiment":"neutral","sentiment_score":-0.0394220727362803},{"text":"Yep.","start":1856.8651,"end":1857.3651,"sentiment":"neutral","sentiment_score":0.13571195304393768},{"text":"Beautiful.","start":1857.425,"end":1857.905,"sentiment":"positive","sentiment_score":0.5113623738288879},{"text":"I love it.","start":1857.905,"end":1858.4651,"sentiment":"positive","sentiment_score":0.6719280481338501}],"sentiment":"neutral","sentiment_score":0.009902902765244973,"num_words":41,"start":1844.98,"end":1858.4651},{"sentences":[{"text":"It's a good answer.","start":1858.4651,"end":1859.3651,"sentiment":"positive","sentiment_score":0.5503057390451431},{"text":"Oh, thank you.","start":1865.58,"end":1866.56,"sentiment":"positive","sentiment_score":0.34321051836013794},{"text":"The last one here the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or is that something you consider too risky and would only ever borrow for property?","start":1867.42,"end":1881.135,"sentiment":"neutral","sentiment_score":-0.018004406997490497},{"text":"How do you think you sort of fit there?","start":1881.4349,"end":1883.295,"sentiment":"neutral","sentiment_score":-0.0021416442468762398},{"text":"Yeah.","start":1889.915,"end":1890.235,"sentiment":"neutral","sentiment_score":0.0932837724685669}],"sentiment":"neutral","sentiment_score":0.043197938840899425,"num_words":59,"start":1858.4651,"end":1890.235},{"sentences":[{"text":"Absolutely.","start":1890.235,"end":1890.735,"sentiment":"positive","sentiment_score":0.4411089420318603},{"text":"Perfect.","start":1891.115,"end":1891.615,"sentiment":"positive","sentiment_score":0.611530065536499},{"text":"Well, thank you for that, Reese.","start":1892.05,"end":1893.09,"sentiment":"positive","sentiment_score":0.5809552172819773},{"text":"You have scored us a growth investor.","start":1893.09,"end":1894.85,"sentiment":"positive","sentiment_score":0.5377867477280753},{"text":"That does sort of have you that eighty twenty split as we went for before.","start":1894.85,"end":1898.31,"sentiment":"neutral","sentiment_score":0.16629985868930816}],"sentiment":"positive","sentiment_score":0.3599125141898791,"num_words":30,"start":1890.235,"end":1898.31},{"sentences":[{"text":"It suits someone who has about six years before accessing their super, and we understand a negative return is likely, say, one in every odd years.","start":1898.6901,"end":1906.5449,"sentiment":"neutral","sentiment_score":-0.11531131263249196},{"text":"Are you still comfortable with that level of exposure?","start":1906.5449,"end":1909.0449,"sentiment":"neutral","sentiment_score":-0.15851836734347874},{"text":"But you're too.","start":1911.4249,"end":1912.325,"sentiment":"neutral","sentiment_score":-0.024488793686032295},{"text":"Yeah.","start":1912.865,"end":1913.2649,"sentiment":"neutral","sentiment_score":0.18548116087913513},{"text":"Beautiful.","start":1913.2649,"end":1913.7649,"sentiment":"positive","sentiment_score":0.5799291133880615}],"sentiment":"neutral","sentiment_score":-0.093320388533175,"num_words":40,"start":1898.6901,"end":1913.7649},{"sentences":[{"text":"Excellent.","start":1913.9049,"end":1914.4049,"sentiment":"positive","sentiment_score":0.6018970012664795},{"text":"Well, I'll look at keeping you in within that sort of allocation.","start":1914.465,"end":1917.205,"sentiment":"neutral","sentiment_score":0.22004323080182076},{"text":"You've got a copy of those documents in your email ready to have a look at when you home this afternoon.","start":1917.745,"end":1922.2999,"sentiment":"neutral","sentiment_score":0.21783060119265601},{"text":"Is there anything that I maybe haven't touched on that you wanted to ask me today as well?","start":1923.1599,"end":1927.88,"sentiment":"neutral","sentiment_score":0.07047572607795398},{"text":"Or Yep.","start":1927.88,"end":1936.105,"sentiment":"neutral","sentiment_score":0.04702986590564251}],"sentiment":"neutral","sentiment_score":0.16999039253978818,"num_words":54,"start":1913.9049,"end":1936.105},{"sentences":[{"text":"That's okay.","start":1936.105,"end":1936.925,"sentiment":"neutral","sentiment_score":0.12766296789050102},{"text":"That's alright.","start":1937.145,"end":1937.865,"sentiment":"neutral","sentiment_score":0.1442321389913559},{"text":"The only other thing I just sort of wanted to touch on I've just had a look at is, last time we called up, yourself and Louise, you haven't done a will or power of attorneys.","start":1937.865,"end":1945.865,"sentiment":"neutral","sentiment_score":0.006625811983313825},{"text":"Have you guys been talking about speaking to services of a solicitor that have those things drawn up?","start":1945.865,"end":1950.68,"sentiment":"neutral","sentiment_score":-0.010553253607617484},{"text":"Or yep.","start":1950.68,"end":1956.8601,"sentiment":"neutral","sentiment_score":-0.00453423970611766}],"sentiment":"neutral","sentiment_score":0.009721540013561025,"num_words":60,"start":1936.105,"end":1956.8601},{"sentences":[{"text":"Yeah.","start":1967.8949,"end":1968.375,"sentiment":"neutral","sentiment_score":0.15101370215415957},{"text":"You can definitely do it that way.","start":1968.375,"end":1969.975,"sentiment":"neutral","sentiment_score":0.22848348106656755},{"text":"One of the biggest things and why people tend to get a solicitor to draw up a will is that it is less contestable.","start":1969.975,"end":1975.195,"sentiment":"neutral","sentiment_score":0.05080035926463703},{"text":"All wills are contestable.","start":1975.4149,"end":1976.6349,"sentiment":"neutral","sentiment_score":0.04823590628802776},{"text":"However, a will being done drawn up by a solicitor does essentially meet certain conditions of the criteria with regard to legislation.","start":1977.12,"end":1985.06,"sentiment":"neutral","sentiment_score":0.1069351328028874}],"sentiment":"neutral","sentiment_score":0.09508833170322509,"num_words":58,"start":1967.8949,"end":1985.06},{"sentences":[{"text":"So it's generally filled out more correctly, and the judge is more willing to take that into consideration.","start":1985.28,"end":1990.42,"sentiment":"neutral","sentiment_score":0.19186614412400457},{"text":"With having a will from the post office, so long as you fill that out correctly, it still does look after you.","start":1990.905,"end":1996.505,"sentiment":"neutral","sentiment_score":0.03576791413467039},{"text":"It still does, you know, mean people need to follow the wishes.","start":1996.505,"end":1999.385,"sentiment":"neutral","sentiment_score":0.01410531314710776},{"text":"However, it is obviously can be more contestable.","start":1999.385,"end":2001.885,"sentiment":"neutral","sentiment_score":-0.14296172745525837},{"text":"I have seen scenarios where, you know, a judge is throwing those sorts of things out and gone, look.","start":2002.185,"end":2007.22,"sentiment":"neutral","sentiment_score":-0.2052609936187142}],"sentiment":"neutral","sentiment_score":-0.008024104246044461,"num_words":79,"start":1985.28,"end":2007.22},{"sentences":[{"text":"It's just not valid.","start":2007.22,"end":2008.34,"sentiment":"negative","sentiment_score":-0.41573894023895264},{"text":"I'm not willing to do this.","start":2008.34,"end":2009.5399,"sentiment":"negative","sentiment_score":-0.48950982590516406},{"text":"It doesn't, you know, fit.","start":2009.5399,"end":2010.76,"sentiment":"neutral","sentiment_score":-0.303215229511261},{"text":"There are other ways, though, and each state also has, like, a trust fee that can do at will.","start":2011.2999,"end":2017.255,"sentiment":"neutral","sentiment_score":0.006833304994200405},{"text":"So I have a little bit of information if you wanted me to send it through on maybe the trust fee.","start":2017.255,"end":2022.935,"sentiment":"neutral","sentiment_score":0.03156879038683006}],"sentiment":"neutral","sentiment_score":-0.0967875176532702,"num_words":55,"start":2007.22,"end":2022.935},{"sentences":[{"text":"That way, it's done up by someone who can follow legislation like a solicitor, but it is a much cheaper process for you.","start":2022.935,"end":2029.74,"sentiment":"neutral","sentiment_score":0.0839494865225709},{"text":"Did you want me to do up that for you?","start":2029.82,"end":2031.42,"sentiment":"neutral","sentiment_score":0.083822862803936},{"text":"Yep?","start":2031.42,"end":2031.92,"sentiment":"neutral","sentiment_score":0.050616554915905},{"text":"Yeah.","start":2034.86,"end":2035.36,"sentiment":"neutral","sentiment_score":0.11596605181694032},{"text":"Absolutely.","start":2036.3,"end":2036.8,"sentiment":"neutral","sentiment_score":0.24874354898929596}],"sentiment":"neutral","sentiment_score":0.08845536038279533,"num_words":36,"start":2022.935,"end":2036.8},{"sentences":[{"text":"Perfect.","start":2037.1799,"end":2037.6799,"sentiment":"positive","sentiment_score":0.4078486561775207},{"text":"And the only other thing I just wanted to quickly touch on is because you're not really looking you don't really have any expendable income and the possibility of changing jobs in the shorter term.","start":2038.22,"end":2047.3151,"sentiment":"neutral","sentiment_score":0.026426378065454108},{"text":"Are you wanting to look at any additional insurances like trauma which are paid out of your back pocket, or is that sort of, you know, just happy to keep the life and keeping income protection you have?","start":2047.935,"end":2056.915,"sentiment":"neutral","sentiment_score":-0.02721351164540178},{"text":"Yes.","start":2059.6301,"end":2060.1301,"sentiment":"neutral","sentiment_score":0.07010439038276672},{"text":"Yep.","start":2060.19,"end":2060.51,"sentiment":"neutral","sentiment_score":0.11214306950569151}],"sentiment":"neutral","sentiment_score":0.006327709287257963,"num_words":76,"start":2037.1799,"end":2060.51},{"sentences":[{"text":"Absolutely.","start":2060.51,"end":2061.01,"sentiment":"neutral","sentiment_score":0.26177895069122314},{"text":"Perfect.","start":2061.31,"end":2061.81,"sentiment":"positive","sentiment_score":0.38845956325531006},{"text":"Well, thank you so much for that, Rhys.","start":2062.35,"end":2064.45,"sentiment":"positive","sentiment_score":0.436985831707716},{"text":"I will get stuck into the last few things.","start":2064.51,"end":2066.35,"sentiment":"neutral","sentiment_score":0.18023379312621224},{"text":"I'll get the email out to you.","start":2066.35,"end":2067.95,"sentiment":"neutral","sentiment_score":0.15370447295052664}],"sentiment":"neutral","sentiment_score":0.26323694678453297,"num_words":26,"start":2060.51,"end":2067.95},{"sentences":[{"text":"And when you get a second, if you can shoot me a payslip, I'll just double check your income protection, and I'll come back and let you know if we need to maybe touch base with regard to the the amount of income protection you have.","start":2067.95,"end":2078.6648,"sentiment":"neutral","sentiment_score":0.13837475912726444},{"text":"Okay?","start":2078.6648,"end":2079.1648,"sentiment":"neutral","sentiment_score":0.15177661180496216},{"text":"Oh, my pleasure.","start":2082.7449,"end":2083.625,"sentiment":"positive","sentiment_score":0.5544403791427612},{"text":"It's been a pleasure.","start":2083.625,"end":2084.4248,"sentiment":"positive","sentiment_score":0.7234174311161041},{"text":"I hope you have a good day.","start":2084.4248,"end":2085.805,"sentiment":"positive","sentiment_score":0.5947439457689013}],"sentiment":"neutral","sentiment_score":0.2497903936710514,"num_words":61,"start":2067.95,"end":2085.805},{"sentences":[{"text":"Beautiful.","start":2089.0498,"end":2089.5498,"sentiment":"positive","sentiment_score":0.6333749294281006},{"text":"Yep.","start":2091.77,"end":2092.27,"sentiment":"neutral","sentiment_score":0.1497422754764557},{"text":"Legend.","start":2093.29,"end":2093.79,"sentiment":"neutral","sentiment_score":0.1879561543464661},{"text":"Thank you so much for your time this morning.","start":2094.5698,"end":2096.8298,"sentiment":"positive","sentiment_score":0.7095445195833842},{"text":"Enjoy your day.","start":2097.0498,"end":2098.19,"sentiment":"positive","sentiment_score":0.5265643994013468}],"sentiment":"positive","sentiment_score":0.595777815580368,"num_words":15,"start":2089.0498,"end":2098.19},{"sentences":[{"text":"Okay.","start":2099.0498,"end":2099.45,"sentiment":"neutral","sentiment_score":0.3215329051017761},{"text":"Any you too.","start":2099.45,"end":2101.13,"sentiment":"neutral","sentiment_score":0.22491717586914697},{"text":"Thanks, Reese.","start":2101.13,"end":2101.8748,"sentiment":"neutral","sentiment_score":0.2843518853187561},{"text":"See you later.","start":2102.2747,"end":2103.0146,"sentiment":"neutral","sentiment_score":0.1383048246304194},{"text":"Bye.","start":2103.0747,"end":2103.5747,"sentiment":"neutral","sentiment_score":-0.1321207731962204}],"sentiment":"neutral","sentiment_score":0.1847781904041767,"num_words":10,"start":2099.0498,"end":2103.5747}]}}]},{"alternatives":[{"transcript":"Call has been forwarded to voice mail. The person you are trying to reach is not available. At Good morning. Reese speaking. I'm great, Dan. I knew it was you. It's okay. Yep. Perfect. I have just dumped in the car. So I'm just gonna put you on the car speaker, and, yeah, I've been talking the way to work. Just bear just bear with me. Alright. Hold on. One sec. One sec. I've got a new phone. Hold on. Bluetooth on. Alright. One sec. Alright. Is it through? No. It's still connecting. Well, I've well, I've got you on speaker anyway. Yeah. Absolutely. Born on the 11/21/1976, and I live at 2 Camperton Court, Varsity Lakes. Yeah. I'm now with Secure Corp. Yeah. Yeah. Well, it's it's a bloody shopping center. I'm too qualified for a shopping center, but, I mean, I've got, yeah, but I've gotta I've gotta eat. You still there? Yep. Yeah. So so, like, I took the job. I mean, I've I've gotta work. I've gotta eat. I've gotta pay you guys. I've gotta pay the rent. So I'm not I'm not dismissing the job. I mean, it's it's okay. Yeah. Oh, yes. No. I am I am looking I'm gonna see if I can get back into Queensland Health because as you know, my wife's a nurse and, yeah, they're actually looking for staff there. So on my days off, I might just do a little bit of fishing at Queensland Health. Oh, absolutely. Well, I used to do that. I used to work for Queensland Health. Yeah. Yeah. I worked for Queensland Health when the pay payroll system bottomed out. You probably heard about all that. The payroll collapse. I'm part yeah. I'm part of all that. So I've already been in it. I will send you well, once actually, when I get to a certain traffic lights, I will send you a screenshot of my paid slip, and, yeah, then you can look through that. It's it's it's not bad. It's about $33 an hour through the week. I think it's 42 on a Saturday and 55 on a Sunday, which, you know, it's it's not too shabby. But it but it is casual. I mean At this regular expenditure. Yeah. The trouble the trouble is my pay is on the same week as my wife's pay, so we don't have that money will. So or with I get paid one week to get paid the other week, but we got slow. But now it's like, oh, so we gotta we gotta manage it again because we will we get paid on the same week, which is annoying. Excellent. Absolutely. Yes. All this much. Yep. Okay. Absolutely fantastic. Yep. Right. Okay. Yep. Well, what would you think is the most appropriate way? What what do you advise? Yeah. Okay. That sounds great. Yeah. Yeah. Yep. Well, I thought perhaps if I do take a risk and it starts growing and then it falls, isn't it capped like it I'd I'd I'm I'm sure you guys put in a safe in there. So if the if the stocks fall between, say, 30%, it'll stop there. It won't fall anymore. You guys will lock it in so it won't collapse anymore. Is that true? Or if it does fall, it'll keep it'll keep falling. Oh, okay. Yep. Right. But I get hold on. But I I get paid for it, darling. Yeah. Yeah. Okay. Yeah. Right. Okay. Yep. Okay. Right. Okay. That sounds great. And there always is. Yeah. Yes. Yeah. Okay. Oh. Oh, absolutely. It makes perfect sense. I I just I I need to be comfortable because I as you know, well, as you're well aware, I'm retiring at 60. So I just I wanna make sure that everything is done neatly and correctly so that there's no sort of, like, shock when I'm 60. I like when I go to access my superann investment. I'm like, oh, there's a massive hit. If we could just have, like, maybe passive growth or exponential growth, it doesn't matter. And just as long as it's comfortable while I'm 60. Yeah. I'm I'm I'm I'm cool with that. You know what I mean? Yeah. Yeah. In November. I'm too immature to be 50, though. Yeah. But you're more mature than me. I'm I'm immature. Yeah. That's right. And I exercise. You got it. Yep. Cool. Got it. Absolutely. Yep. Cool. You know you know you know our plan is to yeah. Well well, yeah, we'll see. That's projected forecast for us yet. I I just hope the the Thai market or rather the Indonesian market or housing market is still stable because things property is still very bloody cheap. It's like it's illegally cheap. It's like what's going on. But I'm just, yeah, I'm just hoping it stays like that. I can I can I can appreciate that there will be some growth in the in the property market out there within that ten years? I just hope it doesn't grow exponentially because if it does, then that's gonna ruin our plan. You know what I mean? So but I have done a little bit of homework on the property market, and I, you know, I have asked me questions whether or not if if or when is there a a big growth price hike? And they said our market maintains stability. So it doesn't really go up because it's been like that for the past hundred years. So, like, everything sort of stays the same because I'm I'm guessing the government looks after their people. Like, they keep everything quite low so people can afford because they're a fault. They're they're a second world country. They're not like our first world. Everything's freaking expensive. So I'm you have to take a loan out to pull your car up now. So it's it's really hard. Yeah. That's correct. The reason why I wanted I wanted to buy a little bit just so, again, with that money, we all just have that passive income flowing through. Because I I don't think we can live on retirement or investment for the next fifty years after that because it'll run out. So you I we we need that sort of investment income still flowing in. Yes. Yeah. Excellent. Would I be able to collect pension or Centrelink overseas, like, say, Indonesia? Would I be able to collect that from Australia to you know what I mean? Like, Right. Yes. That's it. Just keep my money green, Diana, and everything will be like Yeah. I think we can live quite comfortably on that, like, after purchasing a a a home or a property. But, see, actually, we we don't wanna buy a home. We wanna buy an apartment that's not contained. We don't worry about lawns and things like that. So an apartment will be cheaper. It'll be nice. But, yeah, $400 a week, we should be able to live relatively comfortable with that even though it's not much. But in Indonesia, that should stretch quite a quite a bit, hopefully. Well, a nice one is right about 90 to 100,000, which isn't bad. That's correct. We we won't need a car because they have they've got vehicles with they've got drivers who drive you around. If you if you own a an apartment in a in a complex building, it's like a limo service, but they they got drivers. So I've gotta do shopping or or wanna go out to dinner. A driver would take it. That's that's all part of the part of the structure. So we don't have to, which is great. Yeah. Yep. Well, sorry, sacrifice. I'm absolutely interested in most definitely. But I just I I've gotta see how how the job goes. As I've said, I'm I am ready to come shift to get it, but I I I've gotta see if I get the job at Queensland Health first. When I get in because I don't I don't use the word if. So when I get in, yeah, I'm I'm I'm there. And then I'll then I'll throw sacrifice. I wish I wish I could so sacrifice this bloody car because that's to reduce my repayment. I I've I've got rid of that car. I've got the I've got an Audi now. I told you guys that. Yeah. I even I even Audi a three. I haven't sent you a picture of it because I'm so proud of it. Thanks. Yeah. Well, see, I've got it at a I basically stole it because the guy in the car, yeah, didn't know what it was. So I've added this car. May well, actually, when I bought it, I took it straight to the mechanic. He he checked the phone and took it for a for a test drive as well. And he said I said, how how much do you think I paid for it? He goes, about 35,000. I said, no. And I said, the fact that you thought I paid $35,000 for means I got a bloody good deal. I I, you know, I stole it. And he goes, you guys have you insured it yet? I said, no. And he goes, you could insure it for 35. I said, yeah. But that means that my insurance previous will go up. I said, I don't wanna do that. So I've insured it for 16.5. However, I've got you the car at 25,000 just because, you know, there there is a bit of give and take with it. Yeah. Oh, when the I've got it at the start of the year. I I don't know how much is left owing, but it's $340 a month because I've got it at variable. So it it goes up and down, but I have an app that says how much is coming out each time. So it could be $3.25, could be 3 could be on the October 7, $340 comes down. So next month, it might be less or more. I I don't know, but it it doesn't go any any further than that. Yeah. Not sure. Sorry. Probably a little bit more. About 40. Yep. Yes. Yeah. We're actually giving it to my son, my oldest son. He's going to university next year. So he he needs a car to drive around it because he he's been accepted at Beacon University in Melbourne and also Monash, which is also in Melbourne, but he he's deciding which one to take. And then just the other day, he said, mom, dad, I don't think I wanna go to Melbourne now. I wanna go to Sydney. And I'm like, boy, you need to make your mind up quick. Because next time you blink, it'll be next year. So you you know, you gotta make your mind up. So his plan is to drive the Avalon to Sydney or rather to Melbourne because because yeah. I mean, he he needs a car to get around him. Like, he he can't just stay he's gotta stay on campus, but he, you know, he still needs to get around. Even even though we even though we did say, look, the train system is bloody great in Sydney, so you don't need a car, basically. But, you know, kids, but you can't tell them. Yes. That's about how much? Yeah. Sorry about that. It was actually dad's dad's car when he passed away. We took it, and I and I transferred it to Louise. So she that's what she drive. Yeah. Is that what you got? Oh, okay. Yeah. Right. Cool. Yep. Try and eat something. It's a is there a lot of tech in it? Right. Yeah. Cool. That's it. That's exactly what it is. Good on you. Oh, man. Yep. Oh, absolutely. Yes. Yeah. No. I could've sworn it was already done. But yeah. But yeah. Yeah. Send it through. I'll print it out. I'll take a photo of it, and I'll send it back email it back. Yeah. Is that all I'm worth? Yeah. Okay. Yeah. And now I'm cool with that. Yep. Yeah. I'm cool with it at this stage. Yeah. Yep. Perfect. Yep. Excellent. Yeah. Okay. I'm comfortable with medium. I'd be calling you to get your advice on that subject. Well, it's only because I trust you guys more than anything, so I know you're not gonna do anything wrong. Well, I'm I'm I'm an honest guy. What can I say? Because, yeah, I I do find that too risky. Yep. Yeah. Not that I can recall, but of of course, if I do think of something, I will give you a buzz. So yeah. What we're thinking because there's a free will from the post office, Or or would a would a and a a lawyer be more appropriate? I mean, isn't a will a will like why do we need a lawyer? Why do we gotta pay a lawyer? Because I'm gonna just get it done for free to post office. I mean yeah. Correct. Yeah. Yeah. Yeah. Yeah. That'd be great. Sure. Yeah. Do that for me just so that we're gonna have a read and and then reevaluate. I I'll just leave it as it is at the moment. Yeah. Dining, you're a rock star. I do appreciate you. I am. I've just arrived at work. So I'll be I'll set up my pay slip on my first break, and yeah. And you're gonna have a peruse through. Okay. No. Thank you. Appreciate it. Have a nice day. See you later. I'll speak to you soon. 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has been forwarded to voice mail. The person you are trying to reach is not available. At Good morning. Reese speaking. I'm great, Dan.\n\nI knew it was you. It's okay. Yep. Perfect. I have just dumped in the car.\n\nSo I'm just gonna put you on the car speaker, and, yeah, I've been talking the way to work. Just bear just bear with me. Alright. Hold on. One sec.\n\nOne sec. I've got a new phone. Hold on. Bluetooth on. Alright.\n\nOne sec. Alright. Is it through? No. It's still connecting.\n\nWell, I've well, I've got you on speaker anyway. Yeah. Absolutely. Born on the 11/21/1976, and I live at 2 Camperton Court, Varsity Lakes. Yeah.\n\nI'm now with Secure Corp. Yeah. Yeah. Well, it's it's a bloody shopping center. I'm too qualified for a shopping center, but, I mean, I've got, yeah, but I've gotta I've gotta eat.\n\nYou still there? Yep. Yeah. So so, like, I took the job. I mean, I've I've gotta work.\n\nI've gotta eat. I've gotta pay you guys. I've gotta pay the rent. So I'm not I'm not dismissing the job. I mean, it's it's okay.\n\nYeah. Oh, yes. No. I am I am looking I'm gonna see if I can get back into Queensland Health because as you know, my wife's a nurse and, yeah, they're actually looking for staff there. So on my days off, I might just do a little bit of fishing at Queensland Health.\n\nOh, absolutely. Well, I used to do that. I used to work for Queensland Health. Yeah. Yeah.\n\nI worked for Queensland Health when the pay payroll system bottomed out. You probably heard about all that. The payroll collapse. I'm part yeah. I'm part of all that.\n\nSo I've already been in it. I will send you well, once actually, when I get to a certain traffic lights, I will send you a screenshot of my paid slip, and, yeah, then you can look through that. It's it's it's not bad. It's about $33 an hour through the week. I think it's 42 on a Saturday and 55 on a Sunday, which, you know, it's it's not too shabby.\n\nBut it but it is casual. I mean At this regular expenditure. Yeah. The trouble the trouble is my pay is on the same week as my wife's pay, so we don't have that money will. So or with I get paid one week to get paid the other week, but we got slow.\n\nBut now it's like, oh, so we gotta we gotta manage it again because we will we get paid on the same week, which is annoying. Excellent. Absolutely. Yes. All this much.\n\nYep. Okay. Absolutely fantastic. Yep. Right.\n\nOkay. Yep. Well, what would you think is the most appropriate way? What what do you advise? Yeah.\n\nOkay. That sounds great. Yeah. Yeah. Yep.\n\nWell, I thought perhaps if I do take a risk and it starts growing and then it falls, isn't it capped like it I'd I'd I'm I'm sure you guys put in a safe in there. So if the if the stocks fall between, say, 30%, it'll stop there. It won't fall anymore. You guys will lock it in so it won't collapse anymore. Is that true?\n\nOr if it does fall, it'll keep it'll keep falling. Oh, okay. Yep. Right. But I get hold on.\n\nBut I I get paid for it, darling. Yeah. Yeah. Okay. Yeah.\n\nRight. Okay. Yep. Okay. Right.\n\nOkay. That sounds great. And there always is. Yeah. Yes.\n\nYeah. Okay. Oh. Oh, absolutely. It makes perfect sense.\n\nI I just I I need to be comfortable because I as you know, well, as you're well aware, I'm retiring at 60. So I just I wanna make sure that everything is done neatly and correctly so that there's no sort of, like, shock when I'm 60. I like when I go to access my superann investment. I'm like, oh, there's a massive hit. If we could just have, like, maybe passive growth or exponential growth, it doesn't matter.\n\nAnd just as long as it's comfortable while I'm 60. Yeah. I'm I'm I'm I'm cool with that. You know what I mean? Yeah.\n\nYeah. In November. I'm too immature to be 50, though. Yeah. But you're more mature than me.\n\nI'm I'm immature. Yeah. That's right. And I exercise. You got it.\n\nYep. Cool. Got it. Absolutely. Yep.\n\nCool. You know you know you know our plan is to yeah. Well well, yeah, we'll see. That's projected forecast for us yet. I I just hope the the Thai market or rather the Indonesian market or housing market is still stable because things property is still very bloody cheap.\n\nIt's like it's illegally cheap. It's like what's going on. But I'm just, yeah, I'm just hoping it stays like that. I can I can I can appreciate that there will be some growth in the in the property market out there within that ten years? I just hope it doesn't grow exponentially because if it does, then that's gonna ruin our plan.\n\nYou know what I mean? So but I have done a little bit of homework on the property market, and I, you know, I have asked me questions whether or not if if or when is there a a big growth price hike? And they said our market maintains stability. So it doesn't really go up because it's been like that for the past hundred years. So, like, everything sort of stays the same because I'm I'm guessing the government looks after their people.\n\nLike, they keep everything quite low so people can afford because they're a fault. They're they're a second world country. They're not like our first world. Everything's freaking expensive. So I'm you have to take a loan out to pull your car up now.\n\nSo it's it's really hard. Yeah. That's correct. The reason why I wanted I wanted to buy a little bit just so, again, with that money, we all just have that passive income flowing through. Because I I don't think we can live on retirement or investment for the next fifty years after that because it'll run out.\n\nSo you I we we need that sort of investment income still flowing in. Yes. Yeah. Excellent. Would I be able to collect pension or Centrelink overseas, like, say, Indonesia?\n\nWould I be able to collect that from Australia to you know what I mean? Like, Right. Yes. That's it. Just keep my money green, Diana, and everything will be like Yeah.\n\nI think we can live quite comfortably on that, like, after purchasing a a a home or a property. But, see, actually, we we don't wanna buy a home. We wanna buy an apartment that's not contained. We don't worry about lawns and things like that. So an apartment will be cheaper.\n\nIt'll be nice. But, yeah, $400 a week, we should be able to live relatively comfortable with that even though it's not much. But in Indonesia, that should stretch quite a quite a bit, hopefully. Well, a nice one is right about 90 to 100,000, which isn't bad. That's correct.\n\nWe we won't need a car because they have they've got vehicles with they've got drivers who drive you around. If you if you own a an apartment in a in a complex building, it's like a limo service, but they they got drivers. So I've gotta do shopping or or wanna go out to dinner. A driver would take it. That's that's all part of the part of the structure.\n\nSo we don't have to, which is great. Yeah. Yep. Well, sorry, sacrifice. I'm absolutely interested in most definitely.\n\nBut I just I I've gotta see how how the job goes. As I've said, I'm I am ready to come shift to get it, but I I I've gotta see if I get the job at Queensland Health first. When I get in because I don't I don't use the word if. So when I get in, yeah, I'm I'm I'm there. And then I'll then I'll throw sacrifice.\n\nI wish I wish I could so sacrifice this bloody car because that's to reduce my repayment. I I've I've got rid of that car. I've got the I've got an Audi now. I told you guys that. Yeah.\n\nI even I even Audi a three. I haven't sent you a picture of it because I'm so proud of it. Thanks. Yeah. Well, see, I've got it at a I basically stole it because the guy in the car, yeah, didn't know what it was.\n\nSo I've added this car. May well, actually, when I bought it, I took it straight to the mechanic. He he checked the phone and took it for a for a test drive as well. And he said I said, how how much do you think I paid for it? He goes, about 35,000.\n\nI said, no. And I said, the fact that you thought I paid $35,000 for means I got a bloody good deal. I I, you know, I stole it. And he goes, you guys have you insured it yet? I said, no.\n\nAnd he goes, you could insure it for 35. I said, yeah. But that means that my insurance previous will go up. I said, I don't wanna do that. So I've insured it for 16.5.\n\nHowever, I've got you the car at 25,000 just because, you know, there there is a bit of give and take with it. Yeah. Oh, when the I've got it at the start of the year. I I don't know how much is left owing, but it's $340 a month because I've got it at variable. So it it goes up and down, but I have an app that says how much is coming out each time.\n\nSo it could be $3.25, could be 3 could be on the October 7, $340 comes down. So next month, it might be less or more. I I don't know, but it it doesn't go any any further than that. Yeah. Not sure.\n\nSorry. Probably a little bit more. About 40. Yep. Yes.\n\nYeah. We're actually giving it to my son, my oldest son. He's going to university next year. So he he needs a car to drive around it because he he's been accepted at Beacon University in Melbourne and also Monash, which is also in Melbourne, but he he's deciding which one to take. And then just the other day, he said, mom, dad, I don't think I wanna go to Melbourne now.\n\nI wanna go to Sydney. And I'm like, boy, you need to make your mind up quick. Because next time you blink, it'll be next year. So you you know, you gotta make your mind up. So his plan is to drive the Avalon to Sydney or rather to Melbourne because because yeah.\n\nI mean, he he needs a car to get around him. Like, he he can't just stay he's gotta stay on campus, but he, you know, he still needs to get around. Even even though we even though we did say, look, the train system is bloody great in Sydney, so you don't need a car, basically. But, you know, kids, but you can't tell them. Yes.\n\nThat's about how much? Yeah. Sorry about that. It was actually dad's dad's car when he passed away. We took it, and I and I transferred it to Louise.\n\nSo she that's what she drive. Yeah. Is that what you got? Oh, okay. Yeah.\n\nRight. Cool. Yep. Try and eat something. It's a is there a lot of tech in it?\n\nRight. Yeah. Cool. That's it. That's exactly what it is.\n\nGood on you. Oh, man. Yep. Oh, absolutely. Yes.\n\nYeah. No. I could've sworn it was already done. But yeah. But yeah.\n\nYeah. Send it through. I'll print it out. I'll take a photo of it, and I'll send it back email it back. Yeah.\n\nIs that all I'm worth? Yeah. Okay. Yeah. And now I'm cool with that.\n\nYep. Yeah. I'm cool with it at this stage. Yeah. Yep.\n\nPerfect. Yep. Excellent. Yeah. Okay.\n\nI'm comfortable with medium. I'd be calling you to get your advice on that subject. Well, it's only because I trust you guys more than anything, so I know you're not gonna do anything wrong. Well, I'm I'm I'm an honest guy. What can I say?\n\nBecause, yeah, I I do find that too risky. Yep. Yeah. Not that I can recall, but of of course, if I do think of something, I will give you a buzz. So yeah.\n\nWhat we're thinking because there's a free will from the post office, Or or would a would a and a a lawyer be more appropriate? I mean, isn't a will a will like why do we need a lawyer? Why do we gotta pay a lawyer? Because I'm gonna just get it done for free to post office. I mean yeah.\n\nCorrect. Yeah. Yeah. Yeah. Yeah.\n\nThat'd be great. Sure. Yeah. Do that for me just so that we're gonna have a read and and then reevaluate. I I'll just leave it as it is at the moment.\n\nYeah. Dining, you're a rock star. I do appreciate you. I am. I've just arrived at work.\n\nSo I'll be I'll set up my pay slip on my first break, and yeah. And you're gonna have a peruse through. Okay. No. Thank you.\n\nAppreciate it. Have a nice day. See you later. I'll speak to you soon. Bye.","paragraphs":[{"sentences":[{"text":"Call has been forwarded to voice mail.","start":0.24,"end":2.1799998,"sentiment":"neutral","sentiment_score":-0.2742920496634075},{"text":"The person you are trying to reach is not available.","start":2.24,"end":4.66,"sentiment":"neutral","sentiment_score":-0.21800931990146638},{"text":"At Good morning.","start":4.88,"end":7.2,"sentiment":"neutral","sentiment_score":0.026847175012032192},{"text":"Reese speaking.","start":7.2,"end":8.02,"sentiment":"neutral","sentiment_score":0.04329826682806015},{"text":"I'm great, Dan.","start":11.599999,"end":12.48,"sentiment":"positive","sentiment_score":0.6173580487569174}],"sentiment":"neutral","sentiment_score":-0.08323701366782188,"num_words":25,"start":0.24,"end":12.48},{"sentences":[{"text":"I knew it was you.","start":12.48,"end":13.54,"sentiment":"positive","sentiment_score":0.4630485653877258},{"text":"It's okay.","start":16.425001,"end":17.245,"sentiment":"positive","sentiment_score":0.3982744514942169},{"text":"Yep.","start":21.385,"end":21.705,"sentiment":"neutral","sentiment_score":0.11058983206748962},{"text":"Perfect.","start":21.705,"end":22.185001,"sentiment":"neutral","sentiment_score":0.26371705532073975},{"text":"I have just dumped in the car.","start":22.185001,"end":23.945,"sentiment":"neutral","sentiment_score":-0.11059063460145678}],"sentiment":"neutral","sentiment_score":0.16949776094406843,"num_words":16,"start":12.48,"end":23.945},{"sentences":[{"text":"So I'm just gonna put you on the car speaker, and, yeah, I've been talking the way to work.","start":23.945,"end":27.885,"sentiment":"neutral","sentiment_score":0.03756692726165056},{"text":"Just bear just bear with me.","start":28.09,"end":30.83,"sentiment":"neutral","sentiment_score":0.08279612784584363},{"text":"Alright.","start":31.93,"end":32.41,"sentiment":"neutral","sentiment_score":0.03126238286495209},{"text":"Hold on.","start":32.41,"end":33.15,"sentiment":"neutral","sentiment_score":0.01068417588248849},{"text":"One sec.","start":39.53,"end":40.09,"sentiment":"neutral","sentiment_score":0.009125328622758389}],"sentiment":"neutral","sentiment_score":0.042714325897395614,"num_words":30,"start":23.945,"end":40.09},{"sentences":[{"text":"One sec.","start":40.09,"end":40.83,"sentiment":"neutral","sentiment_score":0.007260167505592109},{"text":"I've got a new phone.","start":51.074997,"end":52.295,"sentiment":"neutral","sentiment_score":0.028423555567860602},{"text":"Hold on.","start":58.44,"end":59.260002,"sentiment":"neutral","sentiment_score":0.012672218959778547},{"text":"Bluetooth 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connecting.","start":83.645004,"end":84.545,"sentiment":"neutral","sentiment_score":-0.04271556809544563}],"sentiment":"neutral","sentiment_score":-0.008002078533172608,"num_words":10,"start":66.12,"end":84.545},{"sentences":[{"text":"Well, I've well, I've got you on speaker anyway.","start":86.130005,"end":88.71,"sentiment":"neutral","sentiment_score":0.044940554433398776},{"text":"Yeah.","start":90.770004,"end":91.270004,"sentiment":"neutral","sentiment_score":0.06948301196098328},{"text":"Absolutely.","start":99.595,"end":100.095,"sentiment":"neutral","sentiment_score":0.2616334557533264},{"text":"Born on the 11/21/1976, and I live at 2 Camperton Court, Varsity Lakes.","start":109.755005,"end":115.77,"sentiment":"neutral","sentiment_score":0.046892837836192205},{"text":"Yeah.","start":127.255005,"end":127.655,"sentiment":"neutral","sentiment_score":0.03529442846775055}],"sentiment":"neutral","sentiment_score":0.05521931111812592,"num_words":25,"start":86.130005,"end":127.655},{"sentences":[{"text":"I'm now with Secure Corp.","start":127.655,"end":129.515,"sentiment":"neutral","sentiment_score":0.04630938321352005},{"text":"Yeah.","start":131.495,"end":131.995,"sentiment":"neutral","sentiment_score":0.01339091919362545},{"text":"Yeah.","start":136.13501,"end":136.63501,"sentiment":"neutral","sentiment_score":-0.2080039978027344},{"text":"Well, it's it's a bloody shopping center.","start":136.775,"end":138.775,"sentiment":"neutral","sentiment_score":-0.27900687818016323},{"text":"I'm too qualified for a shopping center, but, I mean, I've got, yeah, but I've gotta I've gotta eat.","start":138.775,"end":145.01,"sentiment":"neutral","sentiment_score":-0.09438443458394001}],"sentiment":"neutral","sentiment_score":-0.11240662323931853,"num_words":33,"start":127.655,"end":145.01},{"sentences":[{"text":"You still there?","start":147.87,"end":148.77,"sentiment":"neutral","sentiment_score":-0.06665255377689998},{"text":"Yep.","start":149.95,"end":150.45,"sentiment":"neutral","sentiment_score":0.08919863402843475},{"text":"Yeah.","start":150.51,"end":150.83,"sentiment":"neutral","sentiment_score":0.08800098299980164},{"text":"So so, like, I took the job.","start":150.83,"end":152.19,"sentiment":"neutral","sentiment_score":0.05902800176824842},{"text":"I mean, I've I've gotta work.","start":152.19,"end":153.39,"sentiment":"neutral","sentiment_score":0.025638073061903317}],"sentiment":"neutral","sentiment_score":0.03023702258037196,"num_words":18,"start":147.87,"end":153.39},{"sentences":[{"text":"I've gotta eat.","start":153.39,"end":153.95,"sentiment":"neutral","sentiment_score":0.03099698418130477},{"text":"I've gotta pay you guys.","start":153.95,"end":154.91,"sentiment":"neutral","sentiment_score":0.029428732022643088},{"text":"I've gotta pay the rent.","start":154.91,"end":155.95,"sentiment":"neutral","sentiment_score":0.022473230585455896},{"text":"So I'm not I'm not dismissing the job.","start":155.95,"end":158.625,"sentiment":"neutral","sentiment_score":0.02294671069830656},{"text":"I mean, it's it's okay.","start":158.625,"end":159.845,"sentiment":"neutral","sentiment_score":0.1734733685851097}],"sentiment":"neutral","sentiment_score":0.0539785113114004,"num_words":26,"start":153.39,"end":159.845},{"sentences":[{"text":"Yeah.","start":161.265,"end":161.765,"sentiment":"neutral","sentiment_score":0.0698765218257904},{"text":"Oh, yes.","start":165.985,"end":166.645,"sentiment":"neutral","sentiment_score":0.06070278398692608},{"text":"No.","start":168.38501,"end":168.785,"sentiment":"neutral","sentiment_score":0.05427290499210358},{"text":"I am I am looking I'm gonna see if I can get back into Queensland Health because as you know, my wife's a nurse and, yeah, they're actually looking for staff there.","start":168.785,"end":179.39,"sentiment":"neutral","sentiment_score":0.04988114902516827},{"text":"So on my days off, I might just do a little bit of fishing at Queensland Health.","start":179.39,"end":184.93001,"sentiment":"neutral","sentiment_score":0.0340572923202725}],"sentiment":"neutral","sentiment_score":0.045674070434750254,"num_words":53,"start":161.265,"end":184.93001},{"sentences":[{"text":"Oh, absolutely.","start":192.035,"end":192.855,"sentiment":"neutral","sentiment_score":0.018902752548456192},{"text":"Well, I used to do that.","start":199.84,"end":200.95999,"sentiment":"neutral","sentiment_score":-0.016683172434568405},{"text":"I used to work for Queensland Health.","start":200.95999,"end":202.58,"sentiment":"neutral","sentiment_score":0.005617664328643254},{"text":"Yeah.","start":203.92,"end":204.42,"sentiment":"neutral","sentiment_score":0.024793028831481937},{"text":"Yeah.","start":204.64,"end":204.95999,"sentiment":"neutral","sentiment_score":0.0098818251863122}],"sentiment":"neutral","sentiment_score":0.0006885279298705216,"num_words":17,"start":192.035,"end":204.95999},{"sentences":[{"text":"I worked for Queensland Health when the pay payroll system bottomed out.","start":204.95999,"end":208.88,"sentiment":"neutral","sentiment_score":-0.030305574648082256},{"text":"You probably heard about all that.","start":208.88,"end":210.405,"sentiment":"neutral","sentiment_score":-0.02878116661061843},{"text":"The payroll collapse.","start":212.005,"end":212.965,"sentiment":"neutral","sentiment_score":-0.0810743694504102},{"text":"I'm part yeah.","start":212.965,"end":213.765,"sentiment":"neutral","sentiment_score":0.007649653077047939},{"text":"I'm part of all that.","start":213.765,"end":214.645,"sentiment":"neutral","sentiment_score":0.012974882870912552}],"sentiment":"neutral","sentiment_score":-0.023853573455386957,"num_words":29,"start":204.95999,"end":214.645},{"sentences":[{"text":"So I've already been in it.","start":214.645,"end":216.185,"sentiment":"neutral","sentiment_score":0.014292036648839712},{"text":"I will send you well, once actually, when I get to a certain traffic lights, I will send you a screenshot of my paid slip, and, yeah, then you can look through that.","start":225.39,"end":235.125,"sentiment":"neutral","sentiment_score":0.05541030723940243},{"text":"It's it's it's not bad.","start":235.925,"end":237.525,"sentiment":"neutral","sentiment_score":0.15661583095788956},{"text":"It's about $33 an hour through the week.","start":237.525,"end":241.705,"sentiment":"neutral","sentiment_score":0.029027812415733933},{"text":"I think it's 42 on a Saturday and 55 on a Sunday, which, you know, it's it's not too shabby.","start":242.485,"end":250.185,"sentiment":"neutral","sentiment_score":0.045387752284295854}],"sentiment":"neutral","sentiment_score":0.05329651470270215,"num_words":72,"start":214.645,"end":250.185},{"sentences":[{"text":"But it but it is casual.","start":251.83,"end":254.73001,"sentiment":"neutral","sentiment_score":0.1734317367275556},{"text":"I mean At this regular expenditure.","start":254.79001,"end":267.635,"sentiment":"neutral","sentiment_score":0.06621984764933586},{"text":"Yeah.","start":267.775,"end":268.275,"sentiment":"neutral","sentiment_score":0.021119022741913795},{"text":"The trouble the trouble is my pay is on the same week as my wife's pay, so we don't have that money will.","start":268.815,"end":275.775,"sentiment":"neutral","sentiment_score":-0.2095326475151207},{"text":"So or with I get paid one week to get paid the other week, but we got slow.","start":275.775,"end":281.96,"sentiment":"neutral","sentiment_score":-0.11414955639176899}],"sentiment":"neutral","sentiment_score":-0.10027619220178437,"num_words":54,"start":251.83,"end":281.96},{"sentences":[{"text":"But now it's like, oh, so we gotta we gotta manage it again because we will we get paid on the same week, which is 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fantastic.","start":353.65503,"end":354.71503,"sentiment":"positive","sentiment_score":0.876760870218277},{"text":"Yep.","start":364.535,"end":365.035,"sentiment":"neutral","sentiment_score":0.06483183056116104},{"text":"Right.","start":379.075,"end":379.575,"sentiment":"neutral","sentiment_score":0.05259506776928902}],"sentiment":"neutral","sentiment_score":0.31758300866931677,"num_words":6,"start":341.09,"end":379.575},{"sentences":[{"text":"Okay.","start":382.195,"end":382.695,"sentiment":"neutral","sentiment_score":0.05204218253493309},{"text":"Yep.","start":401.88998,"end":402.38998,"sentiment":"neutral","sentiment_score":0.12892703711986542},{"text":"Well, what would you think is the most appropriate way?","start":414.835,"end":417.23502,"sentiment":"neutral","sentiment_score":0.04107095710933208},{"text":"What what do you advise?","start":417.23502,"end":418.375,"sentiment":"neutral","sentiment_score":0.0023572465404868128},{"text":"Yeah.","start":435.715,"end":436.215,"sentiment":"neutral","sentiment_score":0.05587819963693619}],"sentiment":"neutral","sentiment_score":0.03663017906041609,"num_words":18,"start":382.195,"end":436.215},{"sentences":[{"text":"Okay.","start":444.435,"end":444.935,"sentiment":"neutral","sentiment_score":0.07182258367538452},{"text":"That sounds great.","start":464.385,"end":465.265,"sentiment":"neutral","sentiment_score":0.23241204023361206},{"text":"Yeah.","start":465.265,"end":465.505,"sentiment":"neutral","sentiment_score":0.07683659344911575},{"text":"Yeah.","start":465.505,"end":465.585,"sentiment":"neutral","sentiment_score":0.06784102320671082},{"text":"Yep.","start":465.585,"end":466.085,"sentiment":"neutral","sentiment_score":0.039488114416599274}],"sentiment":"neutral","sentiment_score":0.13617491934980666,"num_words":7,"start":444.435,"end":466.085},{"sentences":[{"text":"Well, I thought perhaps if I do take a risk and it starts growing and then it falls, isn't it capped like it I'd I'd I'm I'm sure you guys put in a safe in there.","start":482.04,"end":493.925,"sentiment":"neutral","sentiment_score":-0.06875094957649708},{"text":"So if the if the stocks fall between, say, 30%, it'll stop there.","start":493.925,"end":500.805,"sentiment":"neutral","sentiment_score":-0.10127228613083179},{"text":"It won't fall anymore.","start":500.805,"end":501.845,"sentiment":"neutral","sentiment_score":-0.2846215255558491},{"text":"You guys will lock it in so it won't collapse anymore.","start":501.845,"end":504.26498,"sentiment":"neutral","sentiment_score":-0.19883813844485718},{"text":"Is that true?","start":504.485,"end":505.125,"sentiment":"neutral","sentiment_score":-0.08217226217190425}],"sentiment":"neutral","sentiment_score":-0.10990740770279471,"num_words":67,"start":482.04,"end":505.125},{"sentences":[{"text":"Or if it does fall, it'll keep it'll keep falling.","start":505.125,"end":509.13,"sentiment":"neutral","sentiment_score":-0.1252927727997303},{"text":"Oh, okay.","start":509.87,"end":510.53,"sentiment":"neutral","sentiment_score":-0.06085286661982536},{"text":"Yep.","start":512.67,"end":513.17,"sentiment":"neutral","sentiment_score":0.018102729693055153},{"text":"Right.","start":519.895,"end":520.395,"sentiment":"neutral","sentiment_score":0.0630926638841629},{"text":"But I get hold 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darling.","start":534.59,"end":536.77,"sentiment":"neutral","sentiment_score":0.15745248598977923},{"text":"Yeah.","start":538.83,"end":539.33,"sentiment":"neutral","sentiment_score":0.2576552629470825},{"text":"Yeah.","start":547.265,"end":547.765,"sentiment":"neutral","sentiment_score":0.010243667289614676},{"text":"Okay.","start":560.4,"end":560.9,"sentiment":"neutral","sentiment_score":-0.024444442242383957},{"text":"Yeah.","start":566.9475,"end":567.4475,"sentiment":"neutral","sentiment_score":0.10889752954244614}],"sentiment":"neutral","sentiment_score":0.13433099212124944,"num_words":12,"start":534.59,"end":567.4475},{"sentences":[{"text":"Right.","start":575.095,"end":575.595,"sentiment":"neutral","sentiment_score":-0.036894701421260834},{"text":"Okay.","start":593.75,"end":594.25,"sentiment":"neutral","sentiment_score":-0.029909899458289143},{"text":"Yep.","start":615.95,"end":616.45,"sentiment":"neutral","sentiment_score":-0.13048341870307922},{"text":"Okay.","start":622.35,"end":622.85,"sentiment":"neutral","sentiment_score":-0.02744191884994507},{"text":"Right.","start":636.495,"end":636.995,"sentiment":"neutral","sentiment_score":0.06121210753917694}],"sentiment":"neutral","sentiment_score":-0.032703566178679463,"num_words":5,"start":575.095,"end":636.995},{"sentences":[{"text":"Okay.","start":647.55005,"end":648.03,"sentiment":"neutral","sentiment_score":0.01597517728805542},{"text":"That sounds great.","start":648.03,"end":649.09,"sentiment":"neutral","sentiment_score":0.007927787800629934},{"text":"And there always is.","start":651.95,"end":653.17004,"sentiment":"neutral","sentiment_score":-0.07842830009758472},{"text":"Yeah.","start":654.455,"end":654.955,"sentiment":"neutral","sentiment_score":0.01058363914489746},{"text":"Yes.","start":669.5,"end":670.0,"sentiment":"neutral","sentiment_score":0.03420932590961456}],"sentiment":"neutral","sentiment_score":-0.022916169464588167,"num_words":10,"start":647.55005,"end":670.0},{"sentences":[{"text":"Yeah.","start":683.485,"end":683.985,"sentiment":"neutral","sentiment_score":0.005032104905694723},{"text":"Okay.","start":695.61,"end":696.11,"sentiment":"neutral","sentiment_score":0.10606028884649275},{"text":"Oh.","start":716.10504,"end":716.505,"sentiment":"neutral","sentiment_score":0.10594542324543},{"text":"Oh, absolutely.","start":716.505,"end":717.325,"sentiment":"neutral","sentiment_score":0.28057587146759033},{"text":"It makes perfect sense.","start":717.465,"end":718.685,"sentiment":"positive","sentiment_score":0.538797028362751}],"sentiment":"neutral","sentiment_score":0.32593085259820026,"num_words":9,"start":683.485,"end":718.685},{"sentences":[{"text":"I I just I I need to be comfortable because I as you know, well, as you're well aware, I'm retiring at 60.","start":718.825,"end":724.69,"sentiment":"neutral","sentiment_score":0.2310554106598315},{"text":"So I just I wanna make sure that everything is done neatly and correctly so that there's no sort of, like, shock when I'm 60.","start":724.69,"end":733.49,"sentiment":"neutral","sentiment_score":0.2083121132850647},{"text":"I like when I go to access my superann investment.","start":733.49,"end":736.785,"sentiment":"positive","sentiment_score":0.3882558077573776},{"text":"I'm like, oh, there's a massive hit.","start":736.845,"end":738.625,"sentiment":"neutral","sentiment_score":0.2296715293611799},{"text":"If we could just have, like, maybe passive growth or exponential growth, it doesn't matter.","start":739.005,"end":744.605,"sentiment":"neutral","sentiment_score":0.250684455037117}],"sentiment":"neutral","sentiment_score":0.24715753607451915,"num_words":80,"start":718.825,"end":744.605},{"sentences":[{"text":"And just as long as it's comfortable while I'm 60.","start":744.605,"end":747.40497,"sentiment":"neutral","sentiment_score":0.19521843791007995},{"text":"Yeah.","start":747.40497,"end":747.725,"sentiment":"neutral","sentiment_score":0.22270488739013672},{"text":"I'm I'm I'm I'm cool with that.","start":747.725,"end":750.11005,"sentiment":"neutral","sentiment_score":0.29013858309813906},{"text":"You know what I mean?","start":750.33,"end":751.39,"sentiment":"neutral","sentiment_score":0.07620475217700004},{"text":"Yeah.","start":751.93005,"end":752.43005,"sentiment":"neutral","sentiment_score":0.06695671379566193}],"sentiment":"neutral","sentiment_score":0.19390999261910716,"num_words":24,"start":744.605,"end":752.43005},{"sentences":[{"text":"Yeah.","start":760.57,"end":760.81,"sentiment":"neutral","sentiment_score":0.015925608575344086},{"text":"In November.","start":760.81,"end":761.55005,"sentiment":"neutral","sentiment_score":0.013845637440681458},{"text":"I'm too immature to be 50, though.","start":766.525,"end":768.865,"sentiment":"neutral","sentiment_score":-0.042153020788516314},{"text":"Yeah.","start":777.54004,"end":777.78,"sentiment":"neutral","sentiment_score":0.060373853892087936},{"text":"But you're more mature than me.","start":777.78,"end":779.30005,"sentiment":"neutral","sentiment_score":0.06762122983733813}],"sentiment":"neutral","sentiment_score":0.012626292403129971,"num_words":17,"start":760.57,"end":779.30005},{"sentences":[{"text":"I'm I'm immature.","start":779.30005,"end":780.28,"sentiment":"neutral","sentiment_score":0.004168399687235555},{"text":"Yeah.","start":785.30005,"end":785.54004,"sentiment":"neutral","sentiment_score":0.1673251837491989},{"text":"That's right.","start":785.54004,"end":786.34,"sentiment":"neutral","sentiment_score":0.1306309513747692},{"text":"And I exercise.","start":786.34,"end":787.24005,"sentiment":"neutral","sentiment_score":0.07590581476688385},{"text":"You got it.","start":789.78,"end":790.68005,"sentiment":"neutral","sentiment_score":0.2935322125752767}],"sentiment":"neutral","sentiment_score":0.12911719729891047,"num_words":12,"start":779.30005,"end":790.68005},{"sentences":[{"text":"Yep.","start":806.61,"end":807.11,"sentiment":"neutral","sentiment_score":0.10465182363986968},{"text":"Cool.","start":812.6175,"end":813.1175,"sentiment":"neutral","sentiment_score":0.18950846791267395},{"text":"Got it.","start":824.465,"end":825.125,"sentiment":"neutral","sentiment_score":0.13178641721606255},{"text":"Absolutely.","start":825.505,"end":826.005,"sentiment":"positive","sentiment_score":0.5061521530151367},{"text":"Yep.","start":835.60004,"end":836.10004,"sentiment":"neutral","sentiment_score":0.16284003853797913}],"sentiment":"neutral","sentiment_score":0.20445421958963075,"num_words":6,"start":806.61,"end":836.10004},{"sentences":[{"text":"Cool.","start":836.72003,"end":837.22003,"sentiment":"positive","sentiment_score":0.40349531173706055},{"text":"You know you know you know our plan is to yeah.","start":837.60004,"end":844.08,"sentiment":"neutral","sentiment_score":0.22385841675780035},{"text":"Well well, yeah, we'll see.","start":844.08,"end":845.12,"sentiment":"neutral","sentiment_score":0.10851428508758545},{"text":"That's projected forecast for us yet.","start":845.12,"end":848.565,"sentiment":"neutral","sentiment_score":0.07599049868683021},{"text":"I I just hope the the Thai market or rather the Indonesian market or housing market is still stable because things property is still very bloody cheap.","start":849.925,"end":861.285,"sentiment":"neutral","sentiment_score":-0.18276846519222967}],"sentiment":"neutral","sentiment_score":-0.021405924931168555,"num_words":50,"start":836.72003,"end":861.285},{"sentences":[{"text":"It's like it's illegally cheap.","start":861.285,"end":863.045,"sentiment":"negative","sentiment_score":-0.40175244212150574},{"text":"It's like what's going on.","start":863.045,"end":864.34503,"sentiment":"neutral","sentiment_score":-0.1668785035610199},{"text":"But I'm just, yeah, I'm just hoping it stays like that.","start":864.77997,"end":868.77997,"sentiment":"neutral","sentiment_score":-0.17550415748899634},{"text":"I can I can I can appreciate that there will be some growth in the in the property market out there within that ten years?","start":868.77997,"end":875.57996,"sentiment":"neutral","sentiment_score":0.024299260824918748},{"text":"I just hope it doesn't grow exponentially because if it does, then that's gonna ruin our plan.","start":875.57996,"end":881.145,"sentiment":"negative","sentiment_score":-0.45290971503538247}],"sentiment":"neutral","sentiment_score":-0.18834419199635113,"num_words":63,"start":861.285,"end":881.145},{"sentences":[{"text":"You know what I mean?","start":881.145,"end":882.10504,"sentiment":"neutral","sentiment_score":-0.14660537540912627},{"text":"So but I have done a little bit of homework on the property market, and I, you know, I have asked me questions whether or not if if or when is there a a big growth price hike?","start":882.10504,"end":899.68,"sentiment":"neutral","sentiment_score":-0.1175578431667466},{"text":"And they said our market maintains stability.","start":899.89996,"end":903.36,"sentiment":"neutral","sentiment_score":-0.12368326421294894},{"text":"So it doesn't really go up because it's been like that for the past hundred years.","start":903.57996,"end":908.24,"sentiment":"neutral","sentiment_score":-0.12249356578104198},{"text":"So, like, everything sort of stays the same because I'm I'm guessing the government looks after their people.","start":909.215,"end":914.815,"sentiment":"neutral","sentiment_score":-0.09821039231287108}],"sentiment":"neutral","sentiment_score":-0.11659157001191661,"num_words":84,"start":881.145,"end":914.815},{"sentences":[{"text":"Like, they keep everything quite low so people can afford because they're a fault.","start":914.815,"end":919.85504,"sentiment":"neutral","sentiment_score":-0.22236924086298263},{"text":"They're they're a second world country.","start":919.85504,"end":921.215,"sentiment":"negative","sentiment_score":-0.36402563254038495},{"text":"They're not like our first world.","start":921.215,"end":922.73505,"sentiment":"negative","sentiment_score":-0.3813563287258148},{"text":"Everything's freaking expensive.","start":922.73505,"end":924.35504,"sentiment":"negative","sentiment_score":-0.5348758896191915},{"text":"So I'm you have to take a loan out to pull your car up now.","start":927.11,"end":930.15,"sentiment":"neutral","sentiment_score":-0.21890085538228352}],"sentiment":"neutral","sentiment_score":-0.28349094634706323,"num_words":44,"start":914.815,"end":930.15},{"sentences":[{"text":"So it's it's really hard.","start":930.15,"end":932.17,"sentiment":"negative","sentiment_score":-0.38517720997333527},{"text":"Yeah.","start":948.015,"end":948.515,"sentiment":"neutral","sentiment_score":0.0907796174287796},{"text":"That's correct.","start":952.02997,"end":952.67,"sentiment":"neutral","sentiment_score":0.23471477627754211},{"text":"The reason why I wanted I wanted to buy a little bit just so, again, with that money, we all just have that passive income flowing through.","start":952.67,"end":959.97,"sentiment":"neutral","sentiment_score":0.16173865866881829},{"text":"Because I I don't think we can live on retirement or investment for the next fifty years after that because it'll run out.","start":961.31,"end":970.085,"sentiment":"neutral","sentiment_score":-0.028724938954996025}],"sentiment":"neutral","sentiment_score":0.040355057038109876,"num_words":58,"start":930.15,"end":970.085},{"sentences":[{"text":"So you I we we need that sort of investment income still flowing in.","start":970.085,"end":974.58,"sentiment":"neutral","sentiment_score":0.05182505811431578},{"text":"Yes.","start":1011.89996,"end":1012.39996,"sentiment":"neutral","sentiment_score":0.00138181378133595},{"text":"Yeah.","start":1030.58,"end":1031.08,"sentiment":"neutral","sentiment_score":0.2363855391740799},{"text":"Excellent.","start":1049.105,"end":1049.605,"sentiment":"positive","sentiment_score":0.666526198387146},{"text":"Would I be able to collect pension or Centrelink overseas, like, say, Indonesia?","start":1050.865,"end":1057.97,"sentiment":"neutral","sentiment_score":0.0894280752310386}],"sentiment":"neutral","sentiment_score":0.09308031143154949,"num_words":30,"start":970.085,"end":1057.97},{"sentences":[{"text":"Would I be able to collect that from Australia to you know what I mean?","start":1058.2699,"end":1062.99,"sentiment":"neutral","sentiment_score":0.03324861787259579},{"text":"Like, Right.","start":1062.99,"end":1073.3151,"sentiment":"neutral","sentiment_score":-0.00864150351844728},{"text":"Yes.","start":1082.495,"end":1082.995,"sentiment":"neutral","sentiment_score":0.026198850944638252},{"text":"That's it.","start":1100.0751,"end":1100.8151,"sentiment":"neutral","sentiment_score":0.11104561015963554},{"text":"Just keep my money green, Diana, and everything will be like Yeah.","start":1101.035,"end":1119.23,"sentiment":"positive","sentiment_score":0.38214736928542453}],"sentiment":"neutral","sentiment_score":0.1661095238669077,"num_words":32,"start":1058.2699,"end":1119.23},{"sentences":[{"text":"I think we can live quite comfortably on that, like, after purchasing a a a home or a property.","start":1119.23,"end":1125.3251,"sentiment":"positive","sentiment_score":0.33439293209659426},{"text":"But, see, actually, we we don't wanna buy a home.","start":1125.3251,"end":1127.485,"sentiment":"neutral","sentiment_score":-0.06758291739970446},{"text":"We wanna buy an apartment that's not contained.","start":1127.485,"end":1129.405,"sentiment":"neutral","sentiment_score":0.036502239177934825},{"text":"We don't worry about lawns and things like that.","start":1129.405,"end":1131.905,"sentiment":"neutral","sentiment_score":0.05257595868574248},{"text":"So an apartment will be cheaper.","start":1131.965,"end":1133.5651,"sentiment":"neutral","sentiment_score":0.2104261244336764}],"sentiment":"neutral","sentiment_score":0.14818066969298974,"num_words":52,"start":1119.23,"end":1133.5651},{"sentences":[{"text":"It'll be nice.","start":1133.5651,"end":1134.54,"sentiment":"positive","sentiment_score":0.4936285614967346},{"text":"But, yeah, $400 a week, we should be able to live relatively comfortable with that even though it's not much.","start":1135.42,"end":1142.4,"sentiment":"neutral","sentiment_score":0.1755882479250431},{"text":"But in Indonesia, that should stretch quite a quite a bit, hopefully.","start":1142.4601,"end":1146.7201,"sentiment":"neutral","sentiment_score":0.09190822516878445},{"text":"Well, a nice one is right about 90 to 100,000, which isn't bad.","start":1155.615,"end":1160.755,"sentiment":"neutral","sentiment_score":0.21143198815675882},{"text":"That's correct.","start":1170.05,"end":1170.87,"sentiment":"neutral","sentiment_score":0.01681047584861517}],"sentiment":"neutral","sentiment_score":0.1775557228550315,"num_words":50,"start":1133.5651,"end":1170.87},{"sentences":[{"text":"We we won't need a car because they have they've got vehicles with they've got drivers who drive you around.","start":1172.93,"end":1180.3049,"sentiment":"neutral","sentiment_score":-0.02151742186397314},{"text":"If you if you own a an apartment in a in a complex building, it's like a limo service, but they they got drivers.","start":1180.3049,"end":1186.7849,"sentiment":"neutral","sentiment_score":-0.009870560374110937},{"text":"So I've gotta do shopping or or wanna go out to dinner.","start":1186.7849,"end":1189.765,"sentiment":"neutral","sentiment_score":0.0004932235460728407},{"text":"A driver would take it.","start":1190.07,"end":1191.35,"sentiment":"neutral","sentiment_score":0.10451170653104783},{"text":"That's that's all part of the part of the structure.","start":1191.35,"end":1194.09,"sentiment":"neutral","sentiment_score":0.04376319274306297}],"sentiment":"neutral","sentiment_score":0.004209397977191797,"num_words":71,"start":1172.93,"end":1194.09},{"sentences":[{"text":"So we don't have to, which is great.","start":1194.63,"end":1197.5299,"sentiment":"neutral","sentiment_score":0.07367341360077262},{"text":"Yeah.","start":1198.39,"end":1198.89,"sentiment":"neutral","sentiment_score":0.2627097964286804},{"text":"Yep.","start":1204.075,"end":1204.575,"sentiment":"neutral","sentiment_score":0.1663462221622467},{"text":"Well, sorry, sacrifice.","start":1226.17,"end":1228.03,"sentiment":"neutral","sentiment_score":-0.16861512263615927},{"text":"I'm absolutely interested in most definitely.","start":1228.09,"end":1231.07,"sentiment":"neutral","sentiment_score":0.18262240725258985}],"sentiment":"neutral","sentiment_score":0.08464907384232472,"num_words":19,"start":1194.63,"end":1231.07},{"sentences":[{"text":"But I just I I've gotta see how how the job goes.","start":1231.9851,"end":1236.0851,"sentiment":"neutral","sentiment_score":0.157089219118158},{"text":"As I've said, I'm I am ready to come shift to get it, but I I I've gotta see if I get the job at Queensland Health first.","start":1236.305,"end":1243.6051,"sentiment":"neutral","sentiment_score":0.1095377691090107},{"text":"When I get in because I don't I don't use the word if.","start":1244.8999,"end":1247.72,"sentiment":"neutral","sentiment_score":-0.08357288000675347},{"text":"So when I get in, yeah, I'm I'm I'm there.","start":1248.58,"end":1253.1599,"sentiment":"neutral","sentiment_score":0.0025845950469374655},{"text":"And then I'll then I'll throw sacrifice.","start":1253.62,"end":1255.48,"sentiment":"neutral","sentiment_score":0.057658041694334576}],"sentiment":"neutral","sentiment_score":0.061359042381601676,"num_words":70,"start":1231.9851,"end":1255.48},{"sentences":[{"text":"I wish I wish I could so sacrifice this bloody car because that's to reduce my repayment.","start":1259.125,"end":1265.865,"sentiment":"neutral","sentiment_score":-0.0791566828813623},{"text":"I I've I've got rid of that car.","start":1284.125,"end":1286.0449,"sentiment":"neutral","sentiment_score":-0.14097228553146124},{"text":"I've got the I've got an Audi now.","start":1286.0449,"end":1287.725,"sentiment":"neutral","sentiment_score":-0.05211838847026229},{"text":"I told you guys that.","start":1287.725,"end":1288.945,"sentiment":"neutral","sentiment_score":-0.054964903742074966},{"text":"Yeah.","start":1290.845,"end":1291.345,"sentiment":"neutral","sentiment_score":0.0043845586478710175}],"sentiment":"neutral","sentiment_score":-0.08104689643742183,"num_words":39,"start":1259.125,"end":1291.345},{"sentences":[{"text":"I even I even Audi a three.","start":1292.125,"end":1295.005,"sentiment":"neutral","sentiment_score":0.011572983049388443},{"text":"I haven't sent you a picture of it because I'm so proud of it.","start":1295.005,"end":1297.4049,"sentiment":"neutral","sentiment_score":0.1668648910043495},{"text":"Thanks.","start":1297.4049,"end":1297.9049,"sentiment":"neutral","sentiment_score":0.3206162452697754},{"text":"Yeah.","start":1310.43,"end":1310.91,"sentiment":"neutral","sentiment_score":-0.022648636251688004},{"text":"Well, see, I've got it at a I basically stole it because the guy in the car, yeah, didn't know what it was.","start":1310.91,"end":1317.7151,"sentiment":"neutral","sentiment_score":-0.11464246103297109}],"sentiment":"neutral","sentiment_score":0.001702399144920966,"num_words":46,"start":1292.125,"end":1317.7151},{"sentences":[{"text":"So I've added this car.","start":1318.3351,"end":1319.9551,"sentiment":"neutral","sentiment_score":0.03295842371881008},{"text":"May well, actually, when I bought it, I took it straight to the mechanic.","start":1320.3351,"end":1324.115,"sentiment":"neutral","sentiment_score":0.06187332394931998},{"text":"He he checked the phone and took it for a for a test drive as well.","start":1324.895,"end":1328.515,"sentiment":"neutral","sentiment_score":0.07269602315500379},{"text":"And he said I said, how how much do you think I paid for it?","start":1329.0599,"end":1332.74,"sentiment":"neutral","sentiment_score":0.012771111478408178},{"text":"He goes, about 35,000.","start":1332.74,"end":1335.22,"sentiment":"neutral","sentiment_score":0.0042518877889961}],"sentiment":"neutral","sentiment_score":0.044494986068457365,"num_words":54,"start":1318.3351,"end":1335.22},{"sentences":[{"text":"I said, no.","start":1335.22,"end":1336.2,"sentiment":"neutral","sentiment_score":-0.07177473853031795},{"text":"And I said, the fact that you thought I paid $35,000 for means I got a bloody good deal.","start":1336.8999,"end":1343.22,"sentiment":"neutral","sentiment_score":0.31238775651313755},{"text":"I I, you know, I stole it.","start":1343.22,"end":1344.555,"sentiment":"neutral","sentiment_score":0.07166111895016261},{"text":"And he goes, you guys have you insured it yet?","start":1345.1951,"end":1348.4751,"sentiment":"neutral","sentiment_score":0.06080085039138794},{"text":"I said, no.","start":1348.4751,"end":1349.295,"sentiment":"neutral","sentiment_score":-0.032491933864851795}],"sentiment":"neutral","sentiment_score":0.16029056412212195,"num_words":42,"start":1335.22,"end":1349.295},{"sentences":[{"text":"And he goes, you could insure it for 35.","start":1350.155,"end":1351.995,"sentiment":"neutral","sentiment_score":0.013285700852672258},{"text":"I said, yeah.","start":1351.995,"end":1352.4751,"sentiment":"neutral","sentiment_score":-0.003220264489452044},{"text":"But that means that my insurance previous will go up.","start":1352.4751,"end":1354.875,"sentiment":"neutral","sentiment_score":-0.05758284628391266},{"text":"I said, I don't wanna do that.","start":1354.875,"end":1356.0751,"sentiment":"neutral","sentiment_score":-0.1303586129631315},{"text":"So I've insured it for 16.5.","start":1356.0751,"end":1359.055,"sentiment":"neutral","sentiment_score":0.004028278402984142}],"sentiment":"neutral","sentiment_score":-0.0386931019702128,"num_words":35,"start":1350.155,"end":1359.055},{"sentences":[{"text":"However, I've got you the car at 25,000 just because, you know, there there is a bit of give and take with it.","start":1359.275,"end":1366.82,"sentiment":"neutral","sentiment_score":0.0032269586606518083},{"text":"Yeah.","start":1368.24,"end":1368.74,"sentiment":"neutral","sentiment_score":0.0510268472135067},{"text":"Oh, when the I've got it at the start of the year.","start":1382.2051,"end":1385.985,"sentiment":"neutral","sentiment_score":-0.026311331894248724},{"text":"I I don't know how much is left owing, but it's $340 a month because I've got it at variable.","start":1386.125,"end":1391.65,"sentiment":"neutral","sentiment_score":-0.04785415837541222},{"text":"So it it goes up and down, but I have an app that says how much is coming out each time.","start":1392.67,"end":1397.9501,"sentiment":"neutral","sentiment_score":0.010320740973665601}],"sentiment":"neutral","sentiment_score":-0.01208878822576303,"num_words":77,"start":1359.275,"end":1397.9501},{"sentences":[{"text":"So it could be $3.25, could be 3 could be on the October 7, $340 comes down.","start":1397.9501,"end":1406.2649,"sentiment":"neutral","sentiment_score":0.0013001131112961209},{"text":"So next month, it might be less or more.","start":1406.725,"end":1410.005,"sentiment":"neutral","sentiment_score":-0.06263884529471397},{"text":"I I don't know, but it it doesn't go any any further than that.","start":1410.005,"end":1414.2649,"sentiment":"neutral","sentiment_score":-0.12032804105963026},{"text":"Yeah.","start":1415.9249,"end":1416.4249,"sentiment":"neutral","sentiment_score":0.17670699954032898},{"text":"Not sure.","start":1420.82,"end":1421.7799,"sentiment":"neutral","sentiment_score":-0.05240613594651222}],"sentiment":"neutral","sentiment_score":-0.050101058882509555,"num_words":43,"start":1397.9501,"end":1421.7799},{"sentences":[{"text":"Sorry.","start":1421.7799,"end":1422.2799,"sentiment":"neutral","sentiment_score":-0.06536270678043365},{"text":"Probably a little bit more.","start":1431.46,"end":1432.7599,"sentiment":"neutral","sentiment_score":-0.041394179686903954},{"text":"About 40.","start":1434.6549,"end":1435.475,"sentiment":"neutral","sentiment_score":0.01660556998103857},{"text":"Yep.","start":1437.1349,"end":1437.6349,"sentiment":"neutral","sentiment_score":0.11835770308971404},{"text":"Yes.","start":1443.2949,"end":1443.7949,"sentiment":"neutral","sentiment_score":0.08234210312366486}],"sentiment":"neutral","sentiment_score":-0.003842265903949739,"num_words":10,"start":1421.7799,"end":1443.7949},{"sentences":[{"text":"Yeah.","start":1449.58,"end":1449.66,"sentiment":"neutral","sentiment_score":0.11859403550624847},{"text":"We're actually giving it to my son, my oldest son.","start":1449.66,"end":1452.0599,"sentiment":"neutral","sentiment_score":0.11155094504356385},{"text":"He's going to university next year.","start":1452.0599,"end":1454.24,"sentiment":"neutral","sentiment_score":0.0419887596120437},{"text":"So he he needs a car to drive around it because he he's been accepted at Beacon University in Melbourne and also Monash, which is also in Melbourne, but he he's deciding which one to take.","start":1455.02,"end":1466.9551,"sentiment":"neutral","sentiment_score":0.09640121780749825},{"text":"And then just the other day, he said, mom, dad, I don't think I wanna go to Melbourne now.","start":1467.415,"end":1472.935,"sentiment":"neutral","sentiment_score":-0.04944087197317889}],"sentiment":"neutral","sentiment_score":0.0557931016276901,"num_words":72,"start":1449.58,"end":1472.935},{"sentences":[{"text":"I wanna go to Sydney.","start":1472.935,"end":1473.97,"sentiment":"neutral","sentiment_score":0.011082706600427627},{"text":"And I'm like, boy, you need to make your mind up quick.","start":1473.97,"end":1476.75,"sentiment":"neutral","sentiment_score":-0.021973544421295326},{"text":"Because next time you blink, it'll be next year.","start":1477.2899,"end":1480.0099,"sentiment":"neutral","sentiment_score":-0.011091177041331926},{"text":"So you you know, you gotta make your mind up.","start":1480.0099,"end":1482.19,"sentiment":"neutral","sentiment_score":0.010810918733477592},{"text":"So his plan is to drive the Avalon to Sydney or rather to Melbourne because because yeah.","start":1482.25,"end":1488.745,"sentiment":"neutral","sentiment_score":0.022522172178415692}],"sentiment":"neutral","sentiment_score":0.003450877753631124,"num_words":53,"start":1472.935,"end":1488.745},{"sentences":[{"text":"I mean, he he needs a car to get around him.","start":1488.745,"end":1490.985,"sentiment":"neutral","sentiment_score":0.002409804273735393},{"text":"Like, he he can't just stay he's gotta stay on campus, but he, you know, he still needs to get around.","start":1490.985,"end":1496.045,"sentiment":"neutral","sentiment_score":-0.02256025950468722},{"text":"Even even though we even though we did say, look, the train system is bloody great in Sydney, so you don't need a car, basically.","start":1497.865,"end":1505.5,"sentiment":"neutral","sentiment_score":-0.029232345819473267},{"text":"But, you know, kids, but you can't tell them.","start":1505.56,"end":1508.86,"sentiment":"neutral","sentiment_score":-0.05986009289820989},{"text":"Yes.","start":1516.475,"end":1516.975,"sentiment":"neutral","sentiment_score":0.0743502527475357}],"sentiment":"neutral","sentiment_score":-0.024514281065828765,"num_words":67,"start":1488.745,"end":1516.975},{"sentences":[{"text":"That's about how much?","start":1518.5549,"end":1524.1749,"sentiment":"neutral","sentiment_score":0.034488474018871784},{"text":"Yeah.","start":1525.995,"end":1526.315,"sentiment":"neutral","sentiment_score":-0.013063260354101658},{"text":"Sorry about that.","start":1526.315,"end":1527.275,"sentiment":"neutral","sentiment_score":-0.07730769366025925},{"text":"It was actually dad's dad's car when he passed away.","start":1527.275,"end":1530.62,"sentiment":"neutral","sentiment_score":-0.0565463250502944},{"text":"We took it, and I and I transferred it to Louise.","start":1531.1599,"end":1533.48,"sentiment":"neutral","sentiment_score":0.022140279412269592}],"sentiment":"neutral","sentiment_score":-0.0147914697319783,"num_words":29,"start":1518.5549,"end":1533.48},{"sentences":[{"text":"So she that's what she drive.","start":1533.48,"end":1535.1,"sentiment":"neutral","sentiment_score":0.02421087647477786},{"text":"Yeah.","start":1537.0,"end":1537.5,"sentiment":"neutral","sentiment_score":0.19986343383789065},{"text":"Is that what you got?","start":1543.215,"end":1544.515,"sentiment":"neutral","sentiment_score":0.14886361062526704},{"text":"Oh, okay.","start":1549.215,"end":1550.035,"sentiment":"neutral","sentiment_score":0.027187328785657883},{"text":"Yeah.","start":1551.775,"end":1552.275,"sentiment":"neutral","sentiment_score":-0.08246362209320068}],"sentiment":"neutral","sentiment_score":0.07075718541940053,"num_words":15,"start":1533.48,"end":1552.275},{"sentences":[{"text":"Right.","start":1556.17,"end":1556.67,"sentiment":"neutral","sentiment_score":0.02701948583126068},{"text":"Cool.","start":1557.3701,"end":1557.8701,"sentiment":"neutral","sentiment_score":0.2166280448436737},{"text":"Yep.","start":1558.01,"end":1558.51,"sentiment":"neutral","sentiment_score":0.11779036372900008},{"text":"Try and eat something.","start":1558.89,"end":1559.9501,"sentiment":"neutral","sentiment_score":0.05102554149925709},{"text":"It's a is there a lot of tech in it?","start":1562.41,"end":1565.9501,"sentiment":"neutral","sentiment_score":0.11835307255387306}],"sentiment":"neutral","sentiment_score":0.10288651681998197,"num_words":17,"start":1556.17,"end":1565.9501},{"sentences":[{"text":"Right.","start":1580.9149,"end":1581.4149,"sentiment":"neutral","sentiment_score":-0.010228782892227173},{"text":"Yeah.","start":1584.4099,"end":1584.9099,"sentiment":"neutral","sentiment_score":0.06490631401538849},{"text":"Cool.","start":1585.5299,"end":1586.0299,"sentiment":"neutral","sentiment_score":0.2094542980194092},{"text":"That's it.","start":1592.8099,"end":1593.37,"sentiment":"neutral","sentiment_score":0.16482331603765488},{"text":"That's exactly what it is.","start":1593.37,"end":1594.99,"sentiment":"neutral","sentiment_score":0.3070887804031372}],"sentiment":"neutral","sentiment_score":0.21292223632335663,"num_words":10,"start":1580.9149,"end":1594.99},{"sentences":[{"text":"Good on you.","start":1595.4551,"end":1601.0751,"sentiment":"neutral","sentiment_score":0.2818800210952759},{"text":"Oh, man.","start":1611.47,"end":1612.05,"sentiment":"neutral","sentiment_score":0.053539760410785675},{"text":"Yep.","start":1617.0701,"end":1617.31,"sentiment":"neutral","sentiment_score":0.0677623450756073},{"text":"Oh, absolutely.","start":1617.31,"end":1618.05,"sentiment":"neutral","sentiment_score":0.1412072405219078},{"text":"Yes.","start":1618.1901,"end":1618.6901,"sentiment":"neutral","sentiment_score":0.15272602438926697}],"sentiment":"neutral","sentiment_score":0.16173582606845432,"num_words":9,"start":1595.4551,"end":1618.6901},{"sentences":[{"text":"Yeah.","start":1631.105,"end":1631.345,"sentiment":"neutral","sentiment_score":0.0018107034265995023},{"text":"No.","start":1631.345,"end":1631.585,"sentiment":"neutral","sentiment_score":-0.05885970592498779},{"text":"I could've sworn it was already done.","start":1631.585,"end":1633.185,"sentiment":"neutral","sentiment_score":-0.08547433731811387},{"text":"But yeah.","start":1633.185,"end":1633.665,"sentiment":"neutral","sentiment_score":-0.013367002829909326},{"text":"But yeah.","start":1633.665,"end":1633.985,"sentiment":"neutral","sentiment_score":0.02168774325400591}],"sentiment":"neutral","sentiment_score":-0.04913291406746094,"num_words":13,"start":1631.105,"end":1633.985},{"sentences":[{"text":"Yeah.","start":1633.985,"end":1634.225,"sentiment":"neutral","sentiment_score":0.046451643109321594},{"text":"Send it through.","start":1634.225,"end":1635.125,"sentiment":"neutral","sentiment_score":0.06533890217542648},{"text":"I'll print it out.","start":1636.08,"end":1636.96,"sentiment":"neutral","sentiment_score":0.09955715574324131},{"text":"I'll take a photo of it, and I'll send it back email it back.","start":1636.96,"end":1640.6599,"sentiment":"neutral","sentiment_score":0.1200168893805572},{"text":"Yeah.","start":1648.0,"end":1648.5,"sentiment":"neutral","sentiment_score":0.0061800614930689335}],"sentiment":"neutral","sentiment_score":0.10117884719258417,"num_words":23,"start":1633.985,"end":1648.5},{"sentences":[{"text":"Is that all I'm worth?","start":1655.195,"end":1656.495,"sentiment":"neutral","sentiment_score":-0.002124474570155144},{"text":"Yeah.","start":1673.4701,"end":1673.9701,"sentiment":"neutral","sentiment_score":0.03782971203327179},{"text":"Okay.","start":1681.755,"end":1682.255,"sentiment":"neutral","sentiment_score":0.10639481246471404},{"text":"Yeah.","start":1684.3151,"end":1684.635,"sentiment":"neutral","sentiment_score":0.18195763230323792},{"text":"And now I'm cool with that.","start":1684.635,"end":1685.8551,"sentiment":"positive","sentiment_score":0.37725770970185596}],"sentiment":"neutral","sentiment_score":0.18422186015439884,"num_words":14,"start":1655.195,"end":1685.8551},{"sentences":[{"text":"Yep.","start":1696.97,"end":1697.47,"sentiment":"neutral","sentiment_score":0.08493264764547348},{"text":"Yeah.","start":1701.85,"end":1702.1699,"sentiment":"neutral","sentiment_score":0.16083768010139465},{"text":"I'm cool with it at this stage.","start":1702.1699,"end":1703.63,"sentiment":"neutral","sentiment_score":0.3283735598836626},{"text":"Yeah.","start":1704.97,"end":1705.425,"sentiment":"neutral","sentiment_score":0.14411872625350952},{"text":"Yep.","start":1727.1499,"end":1727.3899,"sentiment":"neutral","sentiment_score":0.13621988892555237}],"sentiment":"neutral","sentiment_score":0.25679307837377896,"num_words":11,"start":1696.97,"end":1727.3899},{"sentences":[{"text":"Perfect.","start":1727.3899,"end":1727.8899,"sentiment":"neutral","sentiment_score":0.3096572160720825},{"text":"Yep.","start":1757.5399,"end":1758.0399,"sentiment":"neutral","sentiment_score":0.16461630165576935},{"text":"Excellent.","start":1778.8501,"end":1779.3501,"sentiment":"positive","sentiment_score":0.5204459428787231},{"text":"Yeah.","start":1791.075,"end":1791.575,"sentiment":"neutral","sentiment_score":0.11971858143806458},{"text":"Okay.","start":1795.715,"end":1796.215,"sentiment":"neutral","sentiment_score":0.04899148643016815}],"sentiment":"neutral","sentiment_score":0.23268590569496156,"num_words":5,"start":1727.3899,"end":1796.215},{"sentences":[{"text":"I'm comfortable with medium.","start":1824.2151,"end":1825.8351,"sentiment":"neutral","sentiment_score":0.021072261966764927},{"text":"I'd be calling you to get your advice on that subject.","start":1853.875,"end":1856.6951,"sentiment":"neutral","sentiment_score":-0.014621281657706608},{"text":"Well, it's only because I trust you guys more than anything, so I know you're not gonna do anything wrong.","start":1860.24,"end":1865.2201,"sentiment":"neutral","sentiment_score":0.2772995479404926},{"text":"Well, I'm I'm I'm an honest guy.","start":1866.9601,"end":1868.9601,"sentiment":"neutral","sentiment_score":0.12178045724119459},{"text":"What can I say?","start":1868.9601,"end":1869.86,"sentiment":"neutral","sentiment_score":0.03004972543567419}],"sentiment":"neutral","sentiment_score":0.1400458263233304,"num_words":46,"start":1824.2151,"end":1869.86},{"sentences":[{"text":"Because, yeah, I I do find that too risky.","start":1886.73,"end":1889.23,"sentiment":"neutral","sentiment_score":-0.33278218408425647},{"text":"Yep.","start":1898.65,"end":1899.15,"sentiment":"neutral","sentiment_score":0.028964361175894737},{"text":"Yeah.","start":1910.985,"end":1911.485,"sentiment":"neutral","sentiment_score":-0.04026102274656296},{"text":"Not that I can recall, but of of course, if I do think of something, I will give you a buzz.","start":1929.795,"end":1935.255,"sentiment":"neutral","sentiment_score":0.0452041570097208},{"text":"So yeah.","start":1935.715,"end":1936.695,"sentiment":"neutral","sentiment_score":0.09749974310398102}],"sentiment":"neutral","sentiment_score":-0.05476616279167287,"num_words":34,"start":1886.73,"end":1936.695},{"sentences":[{"text":"What we're thinking because there's a free will from the post office, Or or would a would a and a a lawyer be more appropriate?","start":1952.2999,"end":1960.555,"sentiment":"neutral","sentiment_score":-0.011591595262289048},{"text":"I mean, isn't a will a will like why do we need a lawyer?","start":1960.555,"end":1963.675,"sentiment":"neutral","sentiment_score":-0.04539709205606154},{"text":"Why do we gotta pay a lawyer?","start":1963.675,"end":1964.795,"sentiment":"neutral","sentiment_score":-0.06577672170741218},{"text":"Because I'm gonna just get it done for free to post office.","start":1964.795,"end":1967.1951,"sentiment":"neutral","sentiment_score":0.04560218254725138},{"text":"I mean yeah.","start":1967.1951,"end":1978.05,"sentiment":"neutral","sentiment_score":0.0548778735101223}],"sentiment":"neutral","sentiment_score":-0.01104797395404245,"num_words":61,"start":1952.2999,"end":1978.05},{"sentences":[{"text":"Correct.","start":1991.6749,"end":1992.1749,"sentiment":"neutral","sentiment_score":0.031117137521505356},{"text":"Yeah.","start":2011.11,"end":2011.4299,"sentiment":"neutral","sentiment_score":-0.05247411131858826},{"text":"Yeah.","start":2011.4299,"end":2011.67,"sentiment":"neutral","sentiment_score":-0.02364704012870789},{"text":"Yeah.","start":2011.67,"end":2012.17,"sentiment":"neutral","sentiment_score":-0.006561480462551117},{"text":"Yeah.","start":2020.965,"end":2021.445,"sentiment":"neutral","sentiment_score":0.01961551420390606}],"sentiment":"neutral","sentiment_score":-0.006389996036887169,"num_words":5,"start":1991.6749,"end":2021.445},{"sentences":[{"text":"That'd be great.","start":2021.445,"end":2022.4249,"sentiment":"neutral","sentiment_score":0.10495996475219727},{"text":"Sure.","start":2027.79,"end":2028.29,"sentiment":"neutral","sentiment_score":0.07721977680921555},{"text":"Yeah.","start":2031.55,"end":2031.9501,"sentiment":"neutral","sentiment_score":0.0608951598405838},{"text":"Do that for me just so that we're gonna have a read and and then reevaluate.","start":2031.9501,"end":2035.17,"sentiment":"neutral","sentiment_score":0.05867850920185447},{"text":"I I'll just leave it as it is at the moment.","start":2057.26,"end":2059.42,"sentiment":"neutral","sentiment_score":-0.03536851145327091}],"sentiment":"neutral","sentiment_score":0.03133741725469008,"num_words":32,"start":2021.445,"end":2059.42},{"sentences":[{"text":"Yeah.","start":2059.42,"end":2059.92,"sentiment":"neutral","sentiment_score":0.038803502917289734},{"text":"Dining, you're a rock star.","start":2079.875,"end":2081.075,"sentiment":"positive","sentiment_score":0.5275365471839905},{"text":"I do appreciate you.","start":2081.075,"end":2082.295,"sentiment":"positive","sentiment_score":0.5076480358839035},{"text":"I am.","start":2086.49,"end":2086.8901,"sentiment":"neutral","sentiment_score":0.231154203414917},{"text":"I've just arrived at work.","start":2086.8901,"end":2088.1702,"sentiment":"neutral","sentiment_score":0.1903936505317688}],"sentiment":"positive","sentiment_score":0.36007970834479613,"num_words":17,"start":2059.42,"end":2088.1702},{"sentences":[{"text":"So I'll be I'll set up my pay slip on my first break, and yeah.","start":2088.1702,"end":2092.43,"sentiment":"neutral","sentiment_score":0.28384819875160855},{"text":"And you're gonna have a peruse through.","start":2092.49,"end":2094.19,"sentiment":"neutral","sentiment_score":0.2976254927260535},{"text":"Okay.","start":2095.1301,"end":2095.6301,"sentiment":"positive","sentiment_score":0.4736209809780121},{"text":"No.","start":2097.53,"end":2097.77,"sentiment":"neutral","sentiment_score":0.21969875693321228},{"text":"Thank you.","start":2097.77,"end":2098.545,"sentiment":"positive","sentiment_score":0.6141291856765747}],"sentiment":"neutral","sentiment_score":0.31779536690849525,"num_words":26,"start":2088.1702,"end":2098.545},{"sentences":[{"text":"Appreciate it.","start":2098.785,"end":2099.345,"sentiment":"positive","sentiment_score":0.6740501821041107},{"text":"Have a nice day.","start":2099.345,"end":2100.145,"sentiment":"positive","sentiment_score":0.5972038358449936},{"text":"See you later.","start":2100.145,"end":2100.785,"sentiment":"positive","sentiment_score":0.3720994194348653},{"text":"I'll speak to you soon.","start":2100.785,"end":2101.9248,"sentiment":"neutral","sentiment_score":0.19705830514431},{"text":"Bye.","start":2102.4648,"end":2102.9648,"sentiment":"neutral","sentiment_score":0.123501256108284}],"sentiment":"positive","sentiment_score":0.39746711651484173,"num_words":15,"start":2098.785,"end":2102.9648}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Call has been forwarded to voice mail. The person you are trying to reach is not available. At Good morning. Reese speaking.\n\nChannel 0: Hi, Reese. It's Dana from OQ Financial. How are you this morning?\n\nChannel 1: I'm great, Dan. I knew it was you.\n\nChannel 0: Thank you for taking my call.\n\nChannel 1: It's okay.\n\nChannel 0: I had to book in to go through your annual review this morning. Is now still a good time there for you?\n\nChannel 1: Yep. Perfect. I have\n\nChannel 0: Yep.\n\nChannel 1: just dumped in the car. So I'm just gonna put you on the car speaker, and, yeah,\n\nChannel 0: Yep.\n\nChannel 1: I've been talking the way to work. Just\n\nChannel 0: Absolutely.\n\nChannel 1: bear just\n\nChannel 0: You\n\nChannel 1: bear\n\nChannel 0: let\n\nChannel 1: with\n\nChannel 0: me\n\nChannel 1: me.\n\nChannel 0: know when you're ready there.\n\nChannel 1: Alright. Hold on. One sec. One sec.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: I've got a new phone. Hold on. Bluetooth on. Alright. One sec.\n\nChannel 0: Yep.\n\nChannel 1: Alright. Is it through? No. It's still connecting.\n\nChannel 0: You alright? That's\n\nChannel 1: Well, I've\n\nChannel 0: okay.\n\nChannel 1: well, I've got you on speaker anyway.\n\nChannel 0: Yep. You can hear me okay?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. Now before I jump into the call, Reese, I do have to let you know, moving forward, our calls are recorded for training and quality purposes. Are you happy with that?\n\nChannel 1: Absolutely.\n\nChannel 0: Fantastic. And just to do a quick security check there for you, I'm discussing your personal information. I'll get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Born on the 11/21/1976, and I live at\n\nChannel 0: Yep.\n\nChannel 1: 2 Camperton Court, Varsity Lakes.\n\nChannel 0: Beautiful. Thank you so much for that. Now having a look at things, I know last time I heard from you, your email mentioned that you have been made redundant from your previous role, but it looks like you got a new job now.\n\nChannel 1: Yeah. I'm now with Secure Corp.\n\nChannel 0: Okay. Beautiful. And how are you enjoying\n\nChannel 1: Yeah.\n\nChannel 0: that? Not as much.\n\nChannel 1: Yeah. Well, it's it's a bloody shopping\n\nChannel 0: Oh,\n\nChannel 1: center. I'm too qualified for a shopping center, but, I mean, I've got,\n\nChannel 0: yeah.\n\nChannel 1: yeah, but I've gotta I've gotta eat. You still there?\n\nChannel 0: Yeah. Yeah. I'm still here.\n\nChannel 1: Yep. Yeah. So so, like, I took the job. I mean, I've I've gotta work. I've gotta eat.\n\nI've gotta pay you guys. I've gotta pay the rent. So I'm not I'm not dismissing the job. I mean, it's it's okay.\n\nChannel 0: Yeah. Are you sort\n\nChannel 1: Yeah.\n\nChannel 0: of looking to see if anything else comes up as well in the meantime, or you're sort of just happy to go\n\nChannel 1: Oh,\n\nChannel 0: with\n\nChannel 1: yes.\n\nChannel 0: this for the time being? Or yeah. Yep.\n\nChannel 1: No.\n\nChannel 0: Perfect.\n\nChannel 1: I am I am looking I'm gonna see if I can get back into Queensland Health because as you know,\n\nChannel 0: Okay.\n\nChannel 1: my wife's a nurse and,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, they're actually looking for staff there. So on my days off, I might just do a little bit of fishing at Queensland Health.\n\nChannel 0: Yeah. Absolutely. Fantastic. I love that. Well, good luck, and let me know how you go with that one.\n\nChannel 1: Oh,\n\nChannel 0: I\n\nChannel 1: absolutely.\n\nChannel 0: know working for Queensland Health would be a lot more of a, you know, a lot more interesting for you, but also a lot more challenging as a role.\n\nChannel 1: Well, I used to do that. I used to work for Queensland\n\nChannel 0: Yeah.\n\nChannel 1: Health.\n\nChannel 0: That'd be good.\n\nChannel 1: Yeah. Yeah. I worked for Queensland Health when the pay payroll system bottomed out. You probably heard about all that.\n\nChannel 0: Mhmm.\n\nChannel 1: The payroll collapse.\n\nChannel 0: Yep.\n\nChannel 1: I'm part yeah. I'm part of all that. So I've already been in\n\nChannel 0: Yeah.\n\nChannel 1: it.\n\nChannel 0: Yeah. All good. Income wise at the moment, what are you earning currently?\n\nChannel 1: I will send you well, once actually, when I get to a certain traffic lights, I will send you\n\nChannel 0: Yeah.\n\nChannel 1: a screenshot of my paid slip,\n\nChannel 0: Okay.\n\nChannel 1: and, yeah, then you can look through that.\n\nChannel 0: Yep.\n\nChannel 1: It's it's it's not bad. It's about $33 an hour through the week.\n\nChannel 0: Okay.\n\nChannel 1: I think it's 42 on a Saturday and 55 on a Sunday, which,\n\nChannel 0: Okay.\n\nChannel 1: you know, it's it's not too shabby.\n\nChannel 0: Yeah. No. That's\n\nChannel 1: But\n\nChannel 0: okay.\n\nChannel 1: it\n\nChannel 0: Not a problem. Yeah.\n\nChannel 1: but it is casual. I mean\n\nChannel 0: Yes. Beautiful. And with the income that you're earning currently, are you guys managing to sort of save much out of your income, or is everything going to your regular expenditure?\n\nChannel 1: At this regular expenditure. Yeah.\n\nChannel 0: Yeah. Okay.\n\nChannel 1: The trouble\n\nChannel 0: Not saving\n\nChannel 1: the\n\nChannel 0: much.\n\nChannel 1: trouble is my pay is on the same week as my wife's pay, so we don't have that money will. So or with I get paid one week to get paid the other week, but we got\n\nChannel 0: Yeah. Yep.\n\nChannel 1: slow. But now\n\nChannel 0: So\n\nChannel 1: it's\n\nChannel 0: I can\n\nChannel 1: like, oh, so we gotta we gotta manage it again because we will we get paid on the same week, which is annoying.\n\nChannel 0: Yeah. No. Absolute understandable. Okay. Having a look now, I know you can't sort of look at your emails, but I'll send through your annual review documents so you can have a look at them later on.\n\nBut to give you a bit of an overview, when we sort of caught up in January, February this year, your balance then was sitting at $167,004.39 and 40¢ there. Since then, your balance has increased, and we're now sitting at a $171,515.96 there. So we have seen some growth,\n\nChannel 1: Excellent.\n\nChannel 0: albeit the growth is a little bit less than what I would generally like for this year, but it is also to do with the ups and downs within the market currently there.\n\nChannel 1: Absolutely. Yes. All this much.\n\nChannel 0: Yeah. What I would like to do, though, I can see some investments within your super that, at the moment, aren't really performing the way I'd like them to be. So\n\nChannel 1: Yep.\n\nChannel 0: I do wanna go back and maybe review the investments within your super, update\n\nChannel 1: Okay.\n\nChannel 0: your portfolio, remove anything that's underperforming, and maybe just readjust the portfolio to make sure it's working harder for you. How does that sound?\n\nChannel 1: Absolutely fantastic.\n\nChannel 0: Fantastic. Now one of the things I wanted to sort of look at with you is essentially how you wanna see your funds invested because there are different ways of investing our money.\n\nChannel 1: Yep.\n\nChannel 0: At the moment, within your current portfolio, you have some actively managed investments in there. Now active managers are supposed to be buying and selling in a way that they out outperform against the market. They're trying to outperform against what the market is doing,\n\nChannel 1: Right.\n\nChannel 0: and they are for the time in the market. Active\n\nChannel 1: Okay.\n\nChannel 0: managers, you can pay a little bit more in fees to have active managers in your portfolio. We have other options. Because you are 50 this year, you are getting closer to accessing super. You can also look at a more of a passively managed sorry. A a passive investment side of things, which is cheaper.\n\nLower\n\nChannel 1: Yep.\n\nChannel 0: cost might also, you know, reduce your fees a little bit more, and can also reduce the risk a little bit as opposed to having that active management in your portfolio. Which way would you like me to focus with building your portfolio?\n\nChannel 1: Well, what would you think is the most appropriate way? What what do you advise?\n\nChannel 0: In all honesty, having a look at your age and stage and the thing I find with a lot of people around their fifties is we are looking to start reducing a little bit of risk. We are starting to be a little bit more concerned with the market ups and downs because we're, you know, from where we're able to access super about ten years out to start with. So\n\nChannel 1: Yeah.\n\nChannel 0: I do find that in our fifties, we are starting to get a little bit, you know, less risky, wanting to sort of maybe look at more passively managed investments\n\nChannel 1: Okay.\n\nChannel 0: and maybe look saving on fees. I've got some options here that might reduce the investment costs within your portfolio. If I can reduce the fees within the portfolio and still make it work harder, it'll mean more money stays invested for your retirement. It'll also, you know, show good, hopefully, positive returns, and we'll keep reviewing it.\n\nChannel 1: That\n\nChannel 0: I'd\n\nChannel 1: sounds\n\nChannel 0: probably\n\nChannel 1: great.\n\nChannel 0: be looking\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: going more passively managed for yourself, but it also depends on your your level of risk. Do you wanna see a little bit more risk to try and get greater potential returns, or are you a little bit nervous about the ups and downs the market has been offering?\n\nChannel 1: Well, I thought perhaps if I do take a risk and it starts growing and\n\nChannel 0: Mhmm.\n\nChannel 1: then it falls, isn't it capped like it I'd I'd I'm I'm sure you guys put in a safe in there. So if the if the stocks fall between, say, 30%, it'll stop there. It won't fall anymore. You guys will lock it in so it won't collapse anymore. Is that true?\n\nOr if it does fall,\n\nChannel 0: No.\n\nChannel 1: it'll keep it'll keep\n\nChannel 0: Yes.\n\nChannel 1: falling.\n\nChannel 0: So, essentially, we\n\nChannel 1: Oh,\n\nChannel 0: don't\n\nChannel 1: okay.\n\nChannel 0: put stop losses on the portfolio. That's essentially\n\nChannel 1: Yep.\n\nChannel 0: us trying to time the market. So what we sort of wanna do is when we see ups and downs within the market, we wanna take advantage of those. And because\n\nChannel 1: Right.\n\nChannel 0: now you're getting paid weekly, now we also have the weekly payday let the payday super contributions. That means your contribution should be going in as your pay does, so essentially every week with your income. We don't\n\nChannel 1: But\n\nChannel 0: put\n\nChannel 1: I get\n\nChannel 0: stop losses\n\nChannel 1: hold on. But I I\n\nChannel 0: yeah.\n\nChannel 1: get paid for it, darling.\n\nChannel 0: Oh, fortnightly? Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: So yeah. That's okay. Fortnightly. So your income your employer contribution should be going in fortnightly with your income, essentially.\n\nChannel 1: Yeah.\n\nChannel 0: The reason we don't sort of and a lot of super funds don't allow us stop losses to be put onto their portfolios solely because that's essentially us time in the market. That's saying, hey. We, you know, don't wanna take advantage of the downtimes.\n\nChannel 1: Okay.\n\nChannel 0: When we when we invest money, we have different portfolios. So we have, like, a high growth environment, a growth,\n\nChannel 1: Yeah.\n\nChannel 0: a balanced growth, and a balanced and more conservative. And each of these stages has a different risk level. Essentially, when\n\nChannel 1: Right.\n\nChannel 0: you are more than six years away from accessing your super, you're in that growth environment now. So that sees 80% of your super invested in growth assets. So think about Australian shares, international shares, listed property, and then gold and silver and commodities and precious metals and things like that. They're\n\nChannel 1: Okay.\n\nChannel 0: all growth assets, and they're the ones that go up and down and can make us quite nervous. Being in that growth environment and having six years before accessing your your super means that when the portfolio takes a dip, yes, it could see a 10, a 20, or a 30% drop in the market, but we keep you invested. We keep the money being invested into those downtime. So when the market\n\nChannel 1: Yep.\n\nChannel 0: comes out, you bought into the dip. Essentially, it's taking advantage of the downtimes there. What I would\n\nChannel 1: Okay.\n\nChannel 0: not wanna see for you is have you, you know, five or four years away from accessing your super and still be in that growth environment. If you were that sort of close to accessing super, we would definitely be taking less risk in the market, and I'd be coaching\n\nChannel 1: Right.\n\nChannel 0: you to move your portfolio down to something a little bit less risky. That way, the expected dips you would receive or are expected to receive should be lower.\n\nChannel 1: Okay.\n\nChannel 0: There's definitely\n\nChannel 1: That sounds\n\nChannel 0: no guarantees.\n\nChannel 1: great.\n\nChannel 0: Yeah. There's always a lot of risk involved, but the way I\n\nChannel 1: And there\n\nChannel 0: sort of\n\nChannel 1: always\n\nChannel 0: look at\n\nChannel 1: is.\n\nChannel 0: the portfolios is about making\n\nChannel 1: Yeah.\n\nChannel 0: sure that you're taking a level of risk that's comfortable. You want growth, but we always see and feel down times as being a really negative thing. When you've got a bit of time on your side, it's actually a positive. They always say buy low, sell high, but that's one of\n\nChannel 1: Yes.\n\nChannel 0: the hardest things that people have to do is see their portfolio dipping a bit and keep that money invested, whereas that is the best time to buy because, you know, if you had, you know, the S and P 500 and it saw a 20% dip, you're buying\n\nChannel 1: Yeah.\n\nChannel 0: into a discounted investment opportunity. So when the market recovers and comes back out, you're taking advantage of that time frame. So, realistically, that growth environment still suits your time horizon and your risk\n\nChannel 1: Okay.\n\nChannel 0: capacity. However, I wouldn't wanna see you taking in any more risk. And within that growth environment, if I alter your portfolio to, you know, remove any underperforming investments, maybe keep it more passively managed and try to reduce fees that could provide a bit more, you know, growth down the track for you as well. Does that make sense? Do you have any questions?\n\nChannel 1: Oh. Oh, absolutely. It makes perfect sense. I I just I I need to be comfortable because I as you know, well, as you're well aware, I'm retiring at 60. So I just I wanna make sure that everything is done neatly\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: Yeah.\n\nChannel 1: correctly so that there's no sort of, like, shock when I'm 60. I like when I go to access my superann investment. I'm like, oh, there's a massive hit. If\n\nChannel 0: Absolutely.\n\nChannel 1: we could just have, like, maybe passive growth or exponential growth, it doesn't matter. And just as long as it's comfortable while I'm 60. Yeah. I'm I'm I'm I'm cool with that.\n\nChannel 0: Yeah.\n\nChannel 1: You\n\nChannel 0: Absolutely.\n\nChannel 1: know what I mean?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely. Absolutely. And because, you know, looking at things, you're 49 right now. You're about to turn 60 this year sorry, 50 this year. So\n\nChannel 1: Yeah.\n\nChannel 0: what\n\nChannel 1: In\n\nChannel 0: I would\n\nChannel 1: November.\n\nChannel 0: probably look at doing you are. I'm so excited for that for you.\n\nChannel 1: I'm\n\nChannel 0: I\n\nChannel 1: too\n\nChannel 0: love\n\nChannel 1: immature\n\nChannel 0: that.\n\nChannel 1: to be 50, though.\n\nChannel 0: Look. I'm 42 this year, Rhys. I honestly, it's taken me a bit to be comfortable with my age, but I'm actually loving my forties right now. So\n\nChannel 1: Yeah. But you're more mature than me. I'm I'm immature.\n\nChannel 0: oh, you're you're comfortable, and you're happy. That's all that matters.\n\nChannel 1: Yeah. That's right. And I exercise.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: You\n\nChannel 0: Well,\n\nChannel 1: got\n\nChannel 0: what\n\nChannel 1: it.\n\nChannel 0: I can even do with this advice piece for you is because you are about in within that sort of ten year time horizon currently, I can have a look at, you know, the longevity outcome. We we are very cautious around of, you know, projecting all the way to retirement. But because you are 50\n\nChannel 1: Yep.\n\nChannel 0: this year, I can look forward to the age of 60 to sort of project what we expect to\n\nChannel 1: Cool.\n\nChannel 0: happen within that time frame with, you know, the portfolio with the recommendations making, and then also what kind of longevity that might look like for you based on what you have currently. Does that sound\n\nChannel 1: Got\n\nChannel 0: okay?\n\nChannel 1: it. Absolutely.\n\nChannel 0: Perfect. It gives you a little bit of a bird's eye view, sort of shows you what we're projecting out to be, and then we'll just keep reviewing that moving forward for you again. Okay?\n\nChannel 1: Yep. Cool.\n\nChannel 0: Excellent.\n\nChannel 1: You know\n\nChannel 0: Fantastic.\n\nChannel 1: you know you know our plan is to\n\nChannel 0: Yes. You're moving every phase.\n\nChannel 1: yeah. Well well, yeah, we'll see. That's projected forecast for us yet.\n\nChannel 0: Yeah.\n\nChannel 1: I I just hope the the Thai market or rather the Indonesian market or housing market is still stable because things property is still very bloody cheap. It's like it's illegally cheap. It's like what's going on. But\n\nChannel 0: Really?\n\nChannel 1: I'm just, yeah, I'm just hoping it stays like that. I can I can I can appreciate that there will be some growth in the in the property market out there within that ten years? I just hope it doesn't grow exponentially because if it does, then that's gonna ruin our plan. You know what I mean?\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: but I have done a little bit of homework on the property market, and I, you know, I have asked me questions whether or not if if or when is there a a big growth price hike? And they said our market maintains stability. So it doesn't\n\nChannel 0: Yeah.\n\nChannel 1: really\n\nChannel 0: Right.\n\nChannel 1: go up because\n\nChannel 0: Wow.\n\nChannel 1: it's been like that for the past hundred years. So, like, everything sort of stays the same because I'm I'm guessing the government looks after their people. Like, they keep everything quite low so people can afford because\n\nChannel 0: Yeah.\n\nChannel 1: they're a fault. They're they're a second world country. They're not like our first world. Everything's freaking expensive.\n\nChannel 0: Oh, absolutely. Yeah. Yep.\n\nChannel 1: So I'm you have to take a loan out to pull your car up now. So it's it's really hard.\n\nChannel 0: Insane. Yeah. Absolutely. No. Completely understandable.\n\nWell, that's great. And, okay, I've got that down here as your goal. So, you know, retiring at age 60 and then wanting to move to Thailand, purchase a business and or a property and kind of, you know, live cheaply over there, That's\n\nChannel 1: Yeah.\n\nChannel 0: kind of your main retirement goal at this point in time. Is that about right?\n\nChannel 1: That's correct. The reason why I wanted I wanted to buy a little bit just so, again, with that money, we all just have that passive income flowing through.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Because\n\nChannel 0: Beautiful. Fantastic.\n\nChannel 1: I I don't think we can live on retirement or investment for the next fifty years after that because it'll run out. So you I\n\nChannel 0: Yep.\n\nChannel 1: we we need that sort of investment income still flowing in.\n\nChannel 0: Yep. Yep. I mean, it it also depends on kind of what you're doing. So, realistically, with your super balance at the time of retirement, if you look to take out a lump sum and utilize that to purchase a home and or a business within tie the Thailand area, that reduces how much you have invested. But the other side of it is in those retirement years, with what you have sitting in so far, I would wanna have maybe sitting in more income producing investments.\n\nThat way, it provides you a bit more longevity. We could maybe look depending on where you're at. If you're living overseas, we may not get the same eligibility or criteria, but we could also get some Centrelink side of things. So having some\n\nChannel 1: Yes.\n\nChannel 0: Centrelink and what's coming out of super plus having it invested in income producing investments will help to draw down your income. It'll keep your capital invested. Will help to draw down your income. It'll keep your capital invested, and, hopefully, we don't have to draw as much of your capital. So that's kinda how we look at that through those retirement years and try and make it last as long as possible.\n\nBut\n\nChannel 1: Yeah.\n\nChannel 0: moving forward, we just wanna kinda boost that as much as possible, have it growing and building as as much as we can over the next ten years. So you start off with a good lump sum and then work out from there what you wanna do with those funds, how you want how you wanna have it invested, or whether you wanna draw a lump sum when you get that retirement side of things.\n\nChannel 1: Excellent.\n\nChannel 0: Yep.\n\nChannel 1: Would I be able to collect pension or Centrelink overseas, like, say, Indonesia? Would I be able to collect that from Australia to you know what I mean? Like,\n\nChannel 0: Yeah. There are ways to do it, but it is very difficult. You don't get the same eligibility as you do if you are living here, but\n\nChannel 1: Right.\n\nChannel 0: it also could change over the next ten years. So I would be wanting to look at that, you know, when you're closer to 67 because you won't get it before that point, and\n\nChannel 1: Yes.\n\nChannel 0: then looking at what the changes are with regards to that in that time frame as well. So, yeah, it all depends on eligibility at that time, and you got ten years till 60 and then another seven years on top of that. So seventeen years and a lot could change in the Centrelink side of things there.\n\nChannel 1: That's it. Just keep my money green, Diana, and everything will\n\nChannel 0: I\n\nChannel 1: be\n\nChannel 0: will.\n\nChannel 1: like\n\nChannel 0: I will. Absolutely. And you've got here so I've got down noted that in retirement, you were hoping to draw about $400 per week from your super each from yourself and your partner's super. Is that right?\n\nChannel 1: Yeah. I think we can live quite comfortably on that, like, after purchasing a a a home or a property. But, see, actually, we we don't wanna buy a home. We wanna buy an apartment\n\nChannel 0: Yes.\n\nChannel 1: that's not contained. We don't worry about lawns and things like that. So an apartment will be cheaper. It'll be nice. But, yeah, $400 a week, we should be able to live relatively comfortable with that even though it's not much.\n\nBut in\n\nChannel 0: Yes.\n\nChannel 1: Indonesia, that should stretch quite a quite a bit, hopefully.\n\nChannel 0: Yep. Beautiful. And do you know how much you're going to need to draw out roughly to buy the apartment you're after? Have you looked at what that might cost you?\n\nChannel 1: Well, a nice one is right about 90 to 100,000, which isn't bad.\n\nChannel 0: Okay. Yep. Beautiful. And you'll probably, maybe taking that out of super when you retire as a lump sum to be able to buy that apartment. Is that right?\n\nChannel 1: That's\n\nChannel 0: Or\n\nChannel 1: correct.\n\nChannel 0: do you think you'll yep. Okay. From super.\n\nChannel 1: We we won't\n\nChannel 0: Beautiful.\n\nChannel 1: need a car because they have they've got vehicles with they've got drivers who drive you around. If you if you own\n\nChannel 0: Yep.\n\nChannel 1: a an apartment in a in a complex building, it's like a limo service, but they they got drivers. So I've gotta do shopping or or wanna go\n\nChannel 0: Yeah.\n\nChannel 1: out to dinner. A driver\n\nChannel 0: Beautiful.\n\nChannel 1: would take it. That's that's all part of the part of the structure. So we don't\n\nChannel 0: Yep.\n\nChannel 1: have to, which is great.\n\nChannel 0: Beautiful. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Excellent. Lovely. Well, that just gives me a bit of an idea on my projected outcome and what that looks like for you so I can sort of\n\nChannel 1: Yep.\n\nChannel 0: see where we're tracking and where we're heading. Absolutely. The other thing is now I know in the past, we sort of talked about you haven't really got a lot of expendable income, but are you open to maybe making additional contributions or maybe starting to put smaller extra amounts of money in the super, like salary sacrifice to kinda help boost your super, or is that kind of a no go at the moment?\n\nChannel 1: Well, sorry, sacrifice. I'm absolutely interested in most definitely. But\n\nChannel 0: Yeah.\n\nChannel 1: I just I I've gotta see how how the job goes. As I've said, I'm I am ready to come shift to get it, but I I I've gotta see if I get the job at Queensland Health first.\n\nChannel 0: Yep.\n\nChannel 1: When I get in because I don't I don't use the word if.\n\nChannel 0: Yes.\n\nChannel 1: So when I get in, yeah, I'm I'm I'm there. And then\n\nChannel 0: Beautiful.\n\nChannel 1: I'll then I'll throw sacrifice.\n\nChannel 0: Yep. Absolutely. Fantastic. Love that.\n\nChannel 1: I wish I wish I could so sacrifice this bloody car because that's\n\nChannel 0: Yep.\n\nChannel 1: to reduce\n\nChannel 0: Yeah.\n\nChannel 1: my repayment.\n\nChannel 0: Yeah. No. Completely understandable. That's all good. I'll make sure we put that down as something to sort of focus on down the track for you.\n\nOther assets I had noted here, now your vehicle, your BMW, you had valued at 18,000 last year. Would you still value it the same?\n\nChannel 1: I I've I've got rid of that car. I've got the I've got an Audi now. I told you guys that.\n\nChannel 0: Oh, sorry about that. I will change\n\nChannel 1: Yeah.\n\nChannel 0: that. It's\n\nChannel 1: I even\n\nChannel 0: an Audi\n\nChannel 1: I even\n\nChannel 0: a three?\n\nChannel 1: Audi a three. I haven't sent you a picture of it\n\nChannel 0: Yep.\n\nChannel 1: because I'm so proud of it. Thanks.\n\nChannel 0: You did. You did. I'm just removing that off here for you. Now last I because I have that down here as well. Valuation on the Audi a three was 16,500.\n\nWhat would you value that at the moment?\n\nChannel 1: Yeah. Well, see, I've got it at a I basically stole it because the guy in the car, yeah, didn't know what it was.\n\nChannel 0: Yep.\n\nChannel 1: So I've added this car. May well, actually, when I bought it, I took it straight to the mechanic.\n\nChannel 0: Yep.\n\nChannel 1: He he checked the phone and took it for a for a test drive as well. And he said I said, how how much do you think I paid for it? He goes, about 35,000. I said, no. And I said,\n\nChannel 0: Yeah. Wow.\n\nChannel 1: the fact that you thought I paid $35,000 for means I got a bloody good deal. I I, you know, I stole it.\n\nChannel 0: Absolutely.\n\nChannel 1: And he goes, you guys have you insured it yet? I said, no. And he goes, you could insure it for 35. I said, yeah. But that means that my insurance previous will go up.\n\nI said, I don't wanna do that. So I've insured it for 16.5. However, I've got you the car at 25,000 just because, you know, there there is a\n\nChannel 0: Yep.\n\nChannel 1: bit of give and take with it.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Absolutely. And that vehicle was borrowed. You were paying it back at $3.23 per month last year. Are you still has that loan decreased a little bit?\n\nHow much do you have owing on that still?\n\nChannel 1: Oh, when the I've got it at the start of the year. I I don't know how much is left owing, but it's $340 a month because I've got it at variable.\n\nChannel 0: Yep.\n\nChannel 1: So it it goes up and down, but I have an app that says how much is coming out each time. So it could be $3.25, could be 3 could be on the October 7, $340 comes down. So\n\nChannel 0: Okay.\n\nChannel 1: next month, it might be less or more. I I don't know, but it it doesn't go any any further than that.\n\nChannel 0: Yep. That's okay. Beautiful.\n\nChannel 1: Yeah.\n\nChannel 0: And how much do you have owing on the loan total? Do you know?\n\nChannel 1: Not sure. Sorry.\n\nChannel 0: No. That's okay. You're fine. And I've also got your content valued at about 30,000 total. Would you keep it at that?\n\nChannel 1: Probably a little bit more.\n\nChannel 0: Yep.\n\nChannel 1: About 40.\n\nChannel 0: See. 40? Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: And then I've got down here. Do you still have the 2,002 Avalon?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful. Valuation on that was about 2,000. Would you keep it about that?\n\nChannel 1: Yeah. We're actually giving\n\nChannel 0: Yep.\n\nChannel 1: it to my son, my oldest son. He's going to university next year.\n\nChannel 0: Yep.\n\nChannel 1: So he he needs a car to drive around it because he he's been accepted at Beacon University in Melbourne and also Monash, which is also in Melbourne, but he he's deciding which one to take. And\n\nChannel 0: Yep.\n\nChannel 1: then just the other day, he said, mom, dad, I don't think I wanna go to Melbourne now. I wanna go to Sydney. And I'm like, boy, you need to make your mind up quick. Because\n\nChannel 0: Yeah.\n\nChannel 1: next time you blink, it'll be next year. So you you know, you gotta make your mind up. So his plan is to drive the Avalon to Sydney or rather to Melbourne\n\nChannel 0: Yep.\n\nChannel 1: because because yeah. I mean, he he needs a car to get around him. Like, he he can't just stay he's gotta stay on campus, but he, you know, he still needs to get around.\n\nChannel 0: Yeah. Yeah. No.\n\nChannel 1: Even\n\nChannel 0: That's\n\nChannel 1: even\n\nChannel 0: okay.\n\nChannel 1: though we even though we did say, look, the train system is bloody great in Sydney, so you don't need a car, basically. But, you know,\n\nChannel 0: Yeah.\n\nChannel 1: kids, but you can't tell them.\n\nChannel 0: No. No. That's right. And do you still have the Nissan X Trail as well? That was the other vehicle I had noted here.\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: That's\n\nChannel 0: I have a valuation on that of 5,000. Would you keep that fairly similar?\n\nChannel 1: about how much?\n\nChannel 0: 5,000?\n\nChannel 1: Yeah. Sorry about that. It was actually\n\nChannel 0: Yes.\n\nChannel 1: dad's dad's car when he passed away.\n\nChannel 0: Okay. Okay.\n\nChannel 1: We took\n\nChannel 0: Yeah.\n\nChannel 1: it, and I and I transferred it to Louise. So she that's what she\n\nChannel 0: Yeah.\n\nChannel 1: drive.\n\nChannel 0: She's driving it. Beautiful. I mean, they're a\n\nChannel 1: Yeah.\n\nChannel 0: great car. They're not bad on fuel. They're really they're great. They're you know? I love a good X Trail.\n\nChannel 1: Is that what you got?\n\nChannel 0: No. I have a Kona. I got a smaller vehicle recently because I\n\nChannel 1: Oh,\n\nChannel 0: just\n\nChannel 1: okay.\n\nChannel 0: needed to get out of my RAV. Yeah. It was too big.\n\nChannel 1: Yeah.\n\nChannel 0: I don't have small kids at home anymore, and I don't need the fuel bill. So I've got a hybrid\n\nChannel 1: Right.\n\nChannel 0: Kona.\n\nChannel 1: Cool. Yep. Try\n\nChannel 0: Yeah.\n\nChannel 1: and eat something.\n\nChannel 0: Yeah. Yeah. But it's\n\nChannel 1: It's a\n\nChannel 0: really good on fuel.\n\nChannel 1: is there a lot of tech in it?\n\nChannel 0: There is. There is. It is all like you press button start. You don't need the key. It's got the screen and everything.\n\nIt's it's very tacky. It's been very difficult to get used to because for the last twenty to twenty five years, I've driven a manual\n\nChannel 1: Right.\n\nChannel 0: a manual five speed RAV four. So\n\nChannel 1: Yeah. Cool.\n\nChannel 0: but, no, it's really good. I like the fuel bill because it's minimal at the moment, and that's what I wanted. So\n\nChannel 1: That's it. That's exactly what\n\nChannel 0: yeah.\n\nChannel 1: it is. Good\n\nChannel 0: Oh,\n\nChannel 1: on\n\nChannel 0: good. Excellent. I've got down here now it looks like I still need\n\nChannel 1: you.\n\nChannel 0: to obviously, with your beneficiaries, you want Louise to be noted as your beneficiary. It looks like that that document was sent out to you late last year, but it hasn't been completed yet. I really wanna get your\n\nChannel 1: Oh,\n\nChannel 0: beneficiaries\n\nChannel 1: man.\n\nChannel 0: sorted. So I'm gonna prefill that for you. Are you comfortable with that?\n\nChannel 1: Yep. Oh, absolutely. Yes.\n\nChannel 0: Yep. Beautiful. And I'll make sure that is posted and emailed out to you to have that filled out because at the moment, there's no nomination still, and I really need that to be updated to protect you if anything happens. Okay?\n\nChannel 1: Yeah. No. I could've sworn it was already done. But yeah. But yeah.\n\nYeah. Send\n\nChannel 0: That's\n\nChannel 1: it through.\n\nChannel 0: yep.\n\nChannel 1: I'll print it out. I'll take a photo of it, and I'll send it back email it back.\n\nChannel 0: Beautiful. Legend. The other thing to sort of touch on here is the insurances. So you've got your AIA policy there, which\n\nChannel 1: Yeah.\n\nChannel 0: currently shows that with your life and TBD, we're sitting at 551,250.\n\nChannel 1: Is\n\nChannel 0: If anything\n\nChannel 1: that all\n\nChannel 0: was\n\nChannel 1: I'm worth?\n\nChannel 0: to happen, that's what you're covered for at the moment. If you think about your life cover, so if anything happened to you, Louise would be able to claim the life of the two the $5,512.50 plus your super balance currently sitting at $5,171,005 15. It\n\nChannel 1: Yeah.\n\nChannel 0: essentially gives her a sum insured of $722,007.65 as a bit of a buffer if you would have passed away. Does\n\nChannel 1: Okay.\n\nChannel 0: that feel fairly comfortable for you at the moment?\n\nChannel 1: Yeah. And now I'm cool with that.\n\nChannel 0: Beautiful. And TBD, you have the same level of cover. We can also claim on super and have that released under permanent incapacity if you are TBD.\n\nChannel 1: Yep.\n\nChannel 0: Are you happy with the level of cover, or did you wanna kinda review that a bit more?\n\nChannel 1: Yeah. I'm cool with it at this stage.\n\nChannel 0: Yep. Beautiful. I've\n\nChannel 1: Yeah.\n\nChannel 0: also got your income protection policy. So you've got that monthly benefit of $4,054.18. What I'll do is to check that against your income. When you send me your payslip, I'll double check your income protection policy. If you're a bit underinsured, then we'll come back and have that conversation to talk about whether you wanna look at increasing or altering that.\n\nHow does that sound?\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Yep. Beautiful. I've got in the a DocuSign there for you as well just a couple of documents. So it gives you your summary of your insurances and safety, your hub twenty four performance report, The OC financial services guide, which has a lovely glossy picture of me and all my license information for you, it's also got your AIA insurance policy information and your ongoing service agreement there as well. So are currently with your balance being under 200,000 on 1.65%.\n\nChannel 1: Yep.\n\nChannel 0: So we'll get you to sign and return that back there for us so we can continue providing those services. And in the meantime, I'll do some research, and we'll go forward and update your portfolio. Just focusing on changing, altering the portfolio, you know, lowering the risk level, keeping you more passively invested a little bit, and saving on fees. How does that sound so far?\n\nChannel 1: Excellent.\n\nChannel 0: Yeah? Beautiful. The last thing I just wanted to double check was just your risk profile questionnaire. So just to run through a couple of questions to make sure that that growth portfolio still suits you there.\n\nChannel 1: Yeah.\n\nChannel 0: I've answered majority of them already to make it a bit easier on you.\n\nChannel 1: Okay.\n\nChannel 0: The the first one here is thinking about the level of risk you are taking and how markets react. Do you feel comfortable taking a higher level of risk to try and get greater potential returns to make sure your returns are keeping up with inflation? Are you comfortable with a moderate or medium amount of risk to try and beat inflation, or are you not comfortable with risk at all and prefer lower risk investments knowing that the returns are lower? Where do you see yourself bidding on that scale?\n\nChannel 1: I'm comfortable with medium.\n\nChannel 0: Yep. Beautiful. Excellent. If you saw the market fall or if you saw your super fall due to external market conditions over the next, say, six months and let's say fell 20%, how do you think you might be feeling? Are you wanting to maybe put some more money into the market, take advantage of the downtime?\n\nAre you a bit nervous, maybe calling us and talking to me and seeing what we suggest you do, or are you wanting to move your funds into cash? How do you think you might react?\n\nChannel 1: I'd be calling you to get your advice on that subject.\n\nChannel 0: Yep. Beautiful. I love it. It's a good answer.\n\nChannel 1: Well, it's only because I trust you guys more than anything, so I know you're not gonna do anything wrong.\n\nChannel 0: Oh, thank you.\n\nChannel 1: Well, I'm\n\nChannel 0: The last one\n\nChannel 1: I'm\n\nChannel 0: here\n\nChannel 1: I'm an honest guy. What can I say?\n\nChannel 0: the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or is that something you consider too risky and would only ever borrow for property? How do you think you sort of fit there?\n\nChannel 1: Because, yeah, I I do find that too risky.\n\nChannel 0: Yeah. Absolutely. Perfect. Well, thank you for that, Reese. You have scored us a growth investor.\n\nThat does sort of have you that eighty twenty split as we went for before.\n\nChannel 1: Yep.\n\nChannel 0: It suits someone who has about six years before accessing their super, and we understand a negative return is likely, say, one in every odd years. Are you still comfortable with that level of exposure?\n\nChannel 1: Yeah.\n\nChannel 0: But you're too. Yeah. Beautiful. Excellent. Well, I'll look at keeping you in within that sort of allocation.\n\nYou've got a copy of those documents in your email ready to have a look at when you home this afternoon. Is there anything that I maybe haven't touched on that you wanted to ask me today as well? Or\n\nChannel 1: Not that I can recall, but of of course, if I do think of something, I will give you a buzz.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: That's\n\nChannel 1: yeah.\n\nChannel 0: okay. That's alright. The only other thing I just sort of wanted to touch on I've just had a look at is, last time we called up, yourself and Louise, you haven't done a will or power of attorneys. Have you guys been talking about speaking to services of a solicitor that have those things drawn up? Or\n\nChannel 1: What we're thinking because there's a free will from the post office,\n\nChannel 0: yep.\n\nChannel 1: Or or would a would a and a a lawyer be more appropriate? I mean, isn't a will a will like why do we need a lawyer? Why do we gotta pay a lawyer? Because I'm gonna just get it done for free to post office. I mean\n\nChannel 0: Yeah. You can definitely do it that way. One of the biggest things and why people tend to get a solicitor to draw up a will is that it is less contestable. All wills are contestable. However,\n\nChannel 1: yeah.\n\nChannel 0: a will being done drawn up by a solicitor does essentially meet certain conditions of the criteria with regard to legislation. So it's generally filled out more correctly, and the judge is more willing to take that into consideration. With having a will\n\nChannel 1: Correct.\n\nChannel 0: from the post office, so long as you fill that out correctly, it still does look after you. It still does, you know, mean people need to follow the wishes. However, it is obviously can be more contestable. I have seen scenarios where, you know, a judge is throwing those sorts of things out and gone, look. It's just not valid.\n\nI'm not willing to do this. It doesn't, you know, fit.\n\nChannel 1: Yeah.\n\nChannel 0: There\n\nChannel 1: Yeah.\n\nChannel 0: are\n\nChannel 1: Yeah.\n\nChannel 0: other ways, though, and each state also has, like, a trust fee that can do at will. So I have a little bit of information if you wanted me to send it through\n\nChannel 1: Yeah.\n\nChannel 0: on\n\nChannel 1: That'd be\n\nChannel 0: maybe\n\nChannel 1: great.\n\nChannel 0: the trust fee. That way, it's done up by someone who can follow legislation like a solicitor, but it is a\n\nChannel 1: Sure.\n\nChannel 0: much cheaper process for you. Did you want me to do up that for you? Yep?\n\nChannel 1: Yeah. Do that for me just so that we're gonna have a read and and then reevaluate.\n\nChannel 0: Yeah. Absolutely. Perfect. And the only other thing I just wanted to quickly touch on is because you're not really looking you don't really have any expendable income and the possibility of changing jobs in the shorter term. Are you wanting to look at any additional insurances like trauma which are paid out of your back pocket, or is that sort of, you know, just happy to keep the life and keeping income protection you have?\n\nChannel 1: I I'll just leave it as it is at the moment. Yeah.\n\nChannel 0: Yes. Yep. Absolutely. Perfect. Well, thank you so much for that, Rhys.\n\nI will get stuck into the last few things. I'll get the email out to you. And when you get a second, if you can shoot me a payslip, I'll just double check your income protection, and I'll come back and let you know if we need to maybe touch base with regard to the the amount of income protection you have. Okay?\n\nChannel 1: Dining, you're a rock star. I do appreciate you.\n\nChannel 0: Oh, my pleasure. It's been a pleasure. I hope you have a good day.\n\nChannel 1: I am. I've just arrived at work. So I'll be\n\nChannel 0: Beautiful.\n\nChannel 1: I'll set up my pay slip on my first break, and\n\nChannel 0: Yep.\n\nChannel 1: yeah. And you're gonna have a peruse\n\nChannel 0: Legend.\n\nChannel 1: through.\n\nChannel 0: Thank you so\n\nChannel 1: Okay.\n\nChannel 0: much for your time this morning. Enjoy your\n\nChannel 1: No.\n\nChannel 0: day.\n\nChannel 1: Thank you. Appreciate it.\n\nChannel 0: Okay.\n\nChannel 1: Have\n\nChannel 0: Any\n\nChannel 1: a nice day. See you later.\n\nChannel 0: you\n\nChannel 1: I'll\n\nChannel 0: too.\n\nChannel 1: speak to\n\nChannel 0: Thanks,\n\nChannel 1: you soon.\n\nChannel 0: Reese. See you\n\nChannel 1: Bye.\n\nChannel 0: later. Bye.","paragraphs":[{"sentences":[{"text":"Call has been forwarded to voice mail.","start":0.24,"end":2.1799998,"sentiment":"neutral","sentiment_score":-0.2742920496634075},{"text":"The person you are trying to reach is not available.","start":2.24,"end":4.66,"sentiment":"neutral","sentiment_score":-0.21800931990146638},{"text":"At Good morning.","start":4.88,"end":7.2,"sentiment":"neutral","sentiment_score":0.026847175012032192},{"text":"Reese speaking.","start":7.2,"end":8.02,"sentiment":"neutral","sentiment_score":0.04329826682806015}],"sentiment":"neutral","sentiment_score":-0.17877270399846815,"channel":1,"num_words":22,"start":0.24,"end":8.02},{"sentences":[{"text":"Hi, Reese.","start":8.32,"end":8.8,"sentiment":"neutral","sentiment_score":0.14974228292703629},{"text":"It's Dana from OQ Financial.","start":8.8,"end":10.42,"sentiment":"neutral","sentiment_score":0.20623582005500793},{"text":"How are you this 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when you're ready there.","start":30.35,"end":31.73,"sentiment":"neutral","sentiment_score":0.06128093153238297}],"sentiment":"neutral","sentiment_score":0.06128093153238297,"channel":0,"num_words":5,"start":30.35,"end":31.73},{"sentences":[{"text":"Alright.","start":31.93,"end":32.41,"sentiment":"neutral","sentiment_score":0.03126238286495209},{"text":"Hold on.","start":32.41,"end":33.15,"sentiment":"neutral","sentiment_score":0.01068417588248849},{"text":"One sec.","start":39.53,"end":40.09,"sentiment":"neutral","sentiment_score":0.009125328622758389},{"text":"One sec.","start":40.09,"end":40.83,"sentiment":"neutral","sentiment_score":0.007260167505592109}],"sentiment":"neutral","sentiment_score":0.012200246698090009,"channel":1,"num_words":7,"start":31.93,"end":40.83},{"sentences":[{"text":"Yeah.","start":41.07,"end":41.39,"sentiment":"neutral","sentiment_score":0.0305259358137846},{"text":"You're 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because we will we get paid on the same week, which is annoying.","start":282.76,"end":288.46,"sentiment":"negative","sentiment_score":-0.35444561554038007}],"sentiment":"negative","sentiment_score":-0.35444561554038007,"channel":1,"num_words":23,"start":282.76,"end":288.46},{"sentences":[{"text":"Yeah.","start":289.265,"end":289.665,"sentiment":"neutral","sentiment_score":-0.08522668480873108},{"text":"No.","start":289.665,"end":290.14502,"sentiment":"neutral","sentiment_score":-0.1677820086479187},{"text":"Absolute understandable.","start":290.14502,"end":291.685,"sentiment":"neutral","sentiment_score":-0.14162108302116394},{"text":"Okay.","start":293.58502,"end":294.08502,"sentiment":"neutral","sentiment_score":-0.016285249963402748},{"text":"Having a look now, I know you can't sort of look at your emails, but I'll send through your annual review documents so you can have a look at them later on.","start":295.105,"end":300.945,"sentiment":"neutral","sentiment_score":-0.0055378880351781845}],"sentiment":"neutral","sentiment_score":-0.019722933151029253,"channel":0,"num_words":37,"start":289.265,"end":300.945},{"sentences":[{"text":"But to give you a bit of an overview, when we sort of caught up in January, February this year, your balance then was sitting at $167,004.39 and 40¢ there.","start":300.945,"end":312.35,"sentiment":"neutral","sentiment_score":0.011714969729555064},{"text":"Since then, your balance has increased, and we're now sitting at a $171,515.96 there.","start":312.73,"end":320.345,"sentiment":"neutral","sentiment_score":0.08115804967071329},{"text":"So we have seen some 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hard.","start":930.15,"end":932.17,"sentiment":"negative","sentiment_score":-0.38517720997333527}],"sentiment":"neutral","sentiment_score":-0.2604699440300465,"channel":1,"num_words":20,"start":927.11,"end":932.17},{"sentences":[{"text":"Insane.","start":931.88,"end":932.38,"sentiment":"neutral","sentiment_score":-0.3128679692745209},{"text":"Yeah.","start":933.24,"end":933.64,"sentiment":"neutral","sentiment_score":-0.02595682255923748},{"text":"Absolutely.","start":933.64,"end":934.14,"sentiment":"neutral","sentiment_score":-0.010242503136396408},{"text":"No.","start":934.51996,"end":934.83997,"sentiment":"neutral","sentiment_score":-0.1264709234237671},{"text":"Completely understandable.","start":934.83997,"end":936.185,"sentiment":"neutral","sentiment_score":-0.1125916875898838}],"sentiment":"neutral","sentiment_score":-0.11678693226228158,"channel":0,"num_words":6,"start":931.88,"end":936.185},{"sentences":[{"text":"Well, that's great.","start":936.185,"end":936.825,"sentiment":"positive","sentiment_score":0.4222797254721324},{"text":"And, okay, I've got that down here as your goal.","start":936.825,"end":938.825,"sentiment":"neutral","sentiment_score":0.265044678747654},{"text":"So, you know, retiring at age 60 and then wanting to move to Thailand, purchase a business and or a property and kind of, you know, live cheaply over there, That's","start":938.825,"end":948.04004,"sentiment":"neutral","sentiment_score":0.10765637793848591}],"sentiment":"neutral","sentiment_score":0.16487803818150001,"channel":0,"num_words":44,"start":936.185,"end":948.04004},{"sentences":[{"text":"Yeah.","start":948.015,"end":948.515,"sentiment":"neutral","sentiment_score":0.0907796174287796}],"sentiment":"neutral","sentiment_score":0.0907796174287796,"channel":1,"num_words":1,"start":948.015,"end":948.515},{"sentences":[{"text":"kind of your main retirement goal at this point in time.","start":948.04004,"end":950.68,"sentiment":"neutral","sentiment_score":0.09034173529256474},{"text":"Is that about right?","start":950.68,"end":951.82,"sentiment":"neutral","sentiment_score":0.10142858698964119}],"sentiment":"neutral","sentiment_score":0.0932982290784518,"channel":0,"num_words":15,"start":948.04004,"end":951.82},{"sentences":[{"text":"That's correct.","start":952.02997,"end":952.67,"sentiment":"neutral","sentiment_score":0.23471477627754211},{"text":"The reason why I wanted I wanted to buy a little bit just so, again, with that money, we all just have that passive income flowing through.","start":952.67,"end":959.97,"sentiment":"neutral","sentiment_score":0.16173865866881829}],"sentiment":"neutral","sentiment_score":0.16677149436597166,"channel":1,"num_words":29,"start":952.02997,"end":959.97},{"sentences":[{"text":"Yeah.","start":960.52,"end":961.02,"sentiment":"neutral","sentiment_score":0.1256270408630371},{"text":"Yep.","start":961.08,"end":961.4,"sentiment":"neutral","sentiment_score":0.15258847177028656}],"sentiment":"neutral","sentiment_score":0.13910775631666183,"channel":0,"num_words":2,"start":960.52,"end":961.4},{"sentences":[{"text":"Because","start":961.31,"end":961.81,"sentiment":"neutral","sentiment_score":0.19251281023025513}],"sentiment":"neutral","sentiment_score":0.19251281023025513,"channel":1,"num_words":1,"start":961.31,"end":961.81},{"sentences":[{"text":"Beautiful.","start":961.4,"end":961.9,"sentiment":"positive","sentiment_score":0.5130022764205933},{"text":"Fantastic.","start":962.12,"end":962.62,"sentiment":"positive","sentiment_score":0.5729507803916931}],"sentiment":"positive","sentiment_score":0.5429765284061432,"channel":0,"num_words":2,"start":961.4,"end":962.62},{"sentences":[{"text":"I I don't think we can live on retirement or investment for the next fifty years after that because it'll run out.","start":963.045,"end":970.085,"sentiment":"neutral","sentiment_score":-0.03878120028159835},{"text":"So you I","start":970.085,"end":970.805,"sentiment":"neutral","sentiment_score":0.024386262521147728}],"sentiment":"neutral","sentiment_score":-0.031201104745268823,"channel":1,"num_words":25,"start":963.045,"end":970.805},{"sentences":[{"text":"Yep.","start":970.895,"end":971.395,"sentiment":"neutral","sentiment_score":0.045331068336963654}],"sentiment":"neutral","sentiment_score":0.045331068336963654,"channel":0,"num_words":1,"start":970.895,"end":971.395},{"sentences":[{"text":"we we need that sort of investment income still flowing 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Indonesia?","start":1050.865,"end":1057.97,"sentiment":"neutral","sentiment_score":0.0894280752310386},{"text":"Would I be able to collect that from Australia to you know what I mean?","start":1058.2699,"end":1062.99,"sentiment":"neutral","sentiment_score":0.03324861787259579},{"text":"Like,","start":1062.99,"end":1063.49,"sentiment":"neutral","sentiment_score":0.006405132357031107}],"sentiment":"neutral","sentiment_score":0.05750687511894723,"channel":1,"num_words":29,"start":1050.865,"end":1063.49},{"sentences":[{"text":"Yeah.","start":1063.7699,"end":1064.2699,"sentiment":"neutral","sentiment_score":0.008831395767629147},{"text":"There are ways to do it, but it is very difficult.","start":1064.57,"end":1068.0299,"sentiment":"neutral","sentiment_score":-0.05882966620000926},{"text":"You don't get the same eligibility as you do if you are living here, 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mechanic.","start":1320.3351,"end":1324.115,"sentiment":"neutral","sentiment_score":0.06187332394931998}],"sentiment":"neutral","sentiment_score":0.054264139678133164,"channel":1,"num_words":19,"start":1318.3351,"end":1324.115},{"sentences":[{"text":"Yep.","start":1324.89,"end":1325.325,"sentiment":"neutral","sentiment_score":0.07343871891498566}],"sentiment":"neutral","sentiment_score":0.07343871891498566,"channel":0,"num_words":1,"start":1324.89,"end":1325.325},{"sentences":[{"text":"He he checked the phone and took it for a for a test drive as well.","start":1324.895,"end":1328.515,"sentiment":"neutral","sentiment_score":0.07269602315500379},{"text":"And he said I said, how how much do you think I paid for it?","start":1329.0599,"end":1332.74,"sentiment":"neutral","sentiment_score":0.012771111478408178},{"text":"He goes, about 35,000.","start":1332.74,"end":1335.22,"sentiment":"neutral","sentiment_score":0.0042518877889961},{"text":"I said, no.","start":1335.22,"end":1336.2,"sentiment":"neutral","sentiment_score":-0.07177473853031795},{"text":"And I said,","start":1336.8999,"end":1337.7,"sentiment":"neutral","sentiment_score":-0.024314404154817264}],"sentiment":"neutral","sentiment_score":0.026425443067238097,"channel":1,"num_words":41,"start":1324.895,"end":1337.7},{"sentences":[{"text":"Yeah.","start":1337.245,"end":1337.485,"sentiment":"neutral","sentiment_score":0.02462331205606461},{"text":"Wow.","start":1337.485,"end":1337.985,"sentiment":"neutral","sentiment_score":0.31164121627807617}],"sentiment":"neutral","sentiment_score":0.1681322641670704,"channel":0,"num_words":2,"start":1337.245,"end":1337.985},{"sentences":[{"text":"the fact that you thought I paid $35,000 for means I got a bloody good deal.","start":1337.7,"end":1343.22,"sentiment":"positive","sentiment_score":0.3755194116383791},{"text":"I I, you know, I stole 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away.","start":1673.51,"end":1681.2899,"sentiment":"neutral","sentiment_score":0.0163329997099936},{"text":"Does","start":1681.605,"end":1681.765,"sentiment":"neutral","sentiment_score":0.049871522933244705}],"sentiment":"neutral","sentiment_score":0.01793007224443413,"channel":0,"num_words":21,"start":1673.51,"end":1681.765},{"sentences":[{"text":"Okay.","start":1681.755,"end":1682.255,"sentiment":"neutral","sentiment_score":0.10639481246471404}],"sentiment":"neutral","sentiment_score":0.10639481246471404,"channel":1,"num_words":1,"start":1681.755,"end":1682.255},{"sentences":[{"text":"that feel fairly comfortable for you at the moment?","start":1681.765,"end":1684.105,"sentiment":"neutral","sentiment_score":0.14736219081613752}],"sentiment":"neutral","sentiment_score":0.14736219081613752,"channel":0,"num_words":9,"start":1681.765,"end":1684.105},{"sentences":[{"text":"Yeah.","start":1684.3151,"end":1684.635,"sentiment":"neutral","sentiment_score":0.18195763230323792},{"text":"And now 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TBD.","start":1690.165,"end":1696.1849,"sentiment":"neutral","sentiment_score":0.06692902447984499}],"sentiment":"neutral","sentiment_score":0.10725800837907526,"channel":0,"num_words":27,"start":1686.965,"end":1696.1849},{"sentences":[{"text":"Yep.","start":1696.97,"end":1697.47,"sentiment":"neutral","sentiment_score":0.08493264764547348}],"sentiment":"neutral","sentiment_score":0.08493264764547348,"channel":1,"num_words":1,"start":1696.97,"end":1697.47},{"sentences":[{"text":"Are you happy with the level of cover, or did you wanna kinda review that a bit more?","start":1697.3,"end":1701.16,"sentiment":"neutral","sentiment_score":0.06554654095735815}],"sentiment":"neutral","sentiment_score":0.06554654095735815,"channel":0,"num_words":18,"start":1697.3,"end":1701.16},{"sentences":[{"text":"Yeah.","start":1701.85,"end":1702.1699,"sentiment":"neutral","sentiment_score":0.16083768010139465},{"text":"I'm cool with it at this 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policy.","start":1705.14,"end":1707.16,"sentiment":"neutral","sentiment_score":0.0936367300649484},{"text":"So you've got that monthly benefit of $4,054.18.","start":1707.22,"end":1712.4551,"sentiment":"neutral","sentiment_score":0.12445518095046282},{"text":"What I'll do is to check that against your income.","start":1712.4551,"end":1715.015,"sentiment":"neutral","sentiment_score":0.030681607872247697},{"text":"When you send me your payslip, I'll double check your income protection policy.","start":1715.015,"end":1718.7151,"sentiment":"neutral","sentiment_score":0.04157013130875734},{"text":"If you're a bit underinsured, then we'll come back and have that conversation to talk about whether you wanna look at increasing or altering that.","start":1719.255,"end":1725.84,"sentiment":"neutral","sentiment_score":0.03865179715678096}],"sentiment":"neutral","sentiment_score":0.054370718429826444,"channel":0,"num_words":62,"start":1705.14,"end":1725.84},{"sentences":[{"text":"How does that 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gives you your summary of your insurances and safety, your hub twenty four performance report, The OC financial services guide, which has a lovely glossy picture of me and all my license information for you, it's also got your AIA insurance policy information and your ongoing service agreement there as well.","start":1734.8,"end":1752.275,"sentiment":"neutral","sentiment_score":0.21963205905455463},{"text":"So are currently with your balance being under 200,000 on 1.65%.","start":1752.275,"end":1757.17,"sentiment":"neutral","sentiment_score":0.08884387937459079}],"sentiment":"neutral","sentiment_score":0.20837285478667514,"channel":0,"num_words":82,"start":1728.72,"end":1757.17},{"sentences":[{"text":"Yep.","start":1757.5399,"end":1758.0399,"sentiment":"neutral","sentiment_score":0.16461630165576935}],"sentiment":"neutral","sentiment_score":0.16461630165576935,"channel":1,"num_words":1,"start":1757.5399,"end":1758.0399},{"sentences":[{"text":"So we'll get you to sign and return that back there for us so we can continue providing those services.","start":1757.79,"end":1762.61,"sentiment":"neutral","sentiment_score":0.20636343993246556},{"text":"And in the meantime, I'll do some research, and we'll go forward and update your portfolio.","start":1762.67,"end":1767.41,"sentiment":"neutral","sentiment_score":0.06509656459093094},{"text":"Just focusing on changing, altering the portfolio, you know, lowering the risk level, keeping you more passively invested a little bit, and saving on fees.","start":1768.015,"end":1776.735,"sentiment":"neutral","sentiment_score":0.1310191857814789},{"text":"How does that sound so 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suits you there.","start":1785.83,"end":1790.8099,"sentiment":"neutral","sentiment_score":0.12319083213806152}],"sentiment":"neutral","sentiment_score":0.1460202352420704,"channel":0,"num_words":37,"start":1780.255,"end":1790.8099},{"sentences":[{"text":"Yeah.","start":1791.075,"end":1791.575,"sentiment":"neutral","sentiment_score":0.11971858143806458}],"sentiment":"neutral","sentiment_score":0.11971858143806458,"channel":1,"num_words":1,"start":1791.075,"end":1791.575},{"sentences":[{"text":"I've answered majority of them already to make it a bit easier on 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you","start":2102.2747,"end":2102.5146,"sentiment":"neutral","sentiment_score":0.17106835544109344}],"sentiment":"neutral","sentiment_score":0.18793919682502747,"channel":0,"num_words":3,"start":2101.45,"end":2102.5146},{"sentences":[{"text":"Bye.","start":2102.4648,"end":2102.9648,"sentiment":"neutral","sentiment_score":0.123501256108284}],"sentiment":"neutral","sentiment_score":0.123501256108284,"channel":1,"num_words":1,"start":2102.4648,"end":2102.9648},{"sentences":[{"text":"later.","start":2102.5146,"end":2103.0146,"sentiment":"neutral","sentiment_score":0.07277776300907135},{"text":"Bye.","start":2103.0747,"end":2103.5747,"sentiment":"neutral","sentiment_score":-0.1321207731962204}],"sentiment":"neutral","sentiment_score":-0.029671505093574524,"channel":0,"num_words":2,"start":2102.5146,"end":2103.5747}]},"summary":{"result":"success","short":"Representatives from OQ Financial and Security Corp. discuss retirement plans and reducing risk within the market. They suggest a passively managed investment and reducing risk within the portfolio, as well as reducing risk within the portfolio and reducing risk in the market. The speakers emphasize the importance of retirement goals and reducing risk in the market, and advise reducing risk within the portfolio and reducing risk in the market. They also discuss risk profiles and the importance of legal protection. The conversation ends with the agent offering to send an email with answers and the caller agreeing."},"intents":{"segments":[{"text":"I had to book in to go through your annual review this morning. Is now still a good time there for you? Yep.","start_word":50,"end_word":72,"intents":[{"intent":"Book annual review","confidence_score":0.25152403}]},{"text":"You can hear me okay? Yeah. Beautiful.","start_word":162,"end_word":168,"intents":[{"intent":"Ensure clarity","confidence_score":0.00014879376}]},{"text":"And just to do a quick security check there for you, I'm discussing your personal information. I'll get you to confirm your full name, your date of birth, and address I should have on file. Born on the 11/21/1976, and I live at Yep. 2 Camperton Court, Varsity Lakes. Beautiful.","start_word":202,"end_word":251,"intents":[{"intent":"Confirm identity","confidence_score":0.5869617}]},{"text":"Thank you so much for that.","start_word":252,"end_word":257,"intents":[{"intent":"Express gratitude","confidence_score":0.006181879}]},{"text":"What I would like to do, though, I can see some investments within your super that, at the moment, aren't really performing the way I'd like them to be. So Yep. I do wanna go back and maybe review the investments within your super, update Okay. your portfolio, remove anything that's underperforming, and maybe just readjust the portfolio to make sure it's working harder for you.","start_word":930,"end_word":995,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.001266216}]},{"text":"Which way would you like me to focus with building your portfolio? Well, what would you think is the most appropriate way? What what do you advise?","start_word":1182,"end_word":1208,"intents":[{"intent":"Assessing portfolio importance","confidence_score":0.000029033006}]},{"text":"In all honesty, having a look at your age and stage and the thing I find with a lot of people around their fifties is we are looking to start reducing a little bit of risk. We are starting to be a little bit more concerned with the market ups and downs because we're, you know, from where we're able to access super about ten years out to start with. So Yeah.","start_word":1209,"end_word":1280,"intents":[{"intent":"Reducing risk","confidence_score":0.0050493735}]},{"text":"So if the if the stocks fall between, say, 30%, it'll stop there. It won't fall anymore. You guys will lock it in so it won't collapse anymore. Is that true?","start_word":1466,"end_word":1496,"intents":[{"intent":"Evaluate market volatility","confidence_score":0.1913346}]},{"text":"And each of these stages has a different risk level. Essentially, when Right.","start_word":1713,"end_word":1725,"intents":[{"intent":"Discuss portfolio risk in the super super super super market","confidence_score":5.632542e-9}]},{"text":"And within that growth environment, if I alter your portfolio to, you know, remove any underperforming investments, maybe keep it more passively managed and try to reduce fees that could provide a bit more, you know, growth down the track for you as well. Does that make sense?","start_word":2135,"end_word":2182,"intents":[{"intent":"Promote portfolio management","confidence_score":0.013696174}]},{"text":"I can even do with this advice piece for you is because you are about in within that sort of ten year time horizon currently, I can have a look at, you know, the longevity outcome.","start_word":2421,"end_word":2456,"intents":[{"intent":"Evaluate longevity outcome","confidence_score":0.16457123}]},{"text":"I can I can I can appreciate that there will be some growth in the in the property market out there within that ten years? I just hope it doesn't grow exponentially because if it does, then that's gonna ruin our plan. You know what I mean?","start_word":2654,"end_word":2700,"intents":[{"intent":"Assess projected growth rate","confidence_score":0.000103705876}]},{"text":"And, okay, I've got that down here as your goal. So, you know, retiring at age 60 and then wanting to move to Thailand, purchase a business and or a property and kind of, you know, live cheaply over there, That's Yeah. kind of your main retirement goal at this point in time. Is that about right?","start_word":2849,"end_word":2905,"intents":[{"intent":"Evaluate retirement objectives","confidence_score":0.0072116824}]},{"text":"Centrelink and what's coming out of super plus having it invested in income producing investments will help to draw down your income. It'll keep your capital invested. Will help to draw down your income. It'll keep your capital invested, and, hopefully, we don't have to draw as much of your capital. So that's kinda how we look at that through those retirement years and try and make it last as long as possible. But Yeah.","start_word":3110,"end_word":3184,"intents":[{"intent":"Calculate retirement income","confidence_score":0.0008715096},{"intent":"Consider retirement income","confidence_score":0.008419022}]},{"text":"It'll keep your capital invested. Will help to draw down your income. It'll keep your capital invested, and, hopefully, we don't have to draw as much of your capital. So that's kinda how we look at that through those retirement years and try and make it last as long as possible. But Yeah.","start_word":3131,"end_word":3183,"intents":[{"intent":"Assist with capital","confidence_score":0.00009674927}]},{"text":"Would I be able to collect pension or Centrelink overseas, like, say, Indonesia? Would I be able to collect that from Australia to you know what I mean? Like, Yeah.","start_word":3261,"end_word":3290,"intents":[{"intent":"Provide options for retirement","confidence_score":0.00013523638}]},{"text":"And do you know how much you're going to need to draw out roughly to buy the apartment you're after? Have you looked at what that might cost you?","start_word":3555,"end_word":3583,"intents":[{"intent":"Analyze money needs","confidence_score":0.000004920359}]},{"text":"I just I I've gotta see how how the job goes. As I've said, I'm I am ready to come shift to get it, but I I I've gotta see if I get the job at Queensland Health first. Yep.","start_word":3839,"end_word":3878,"intents":[{"intent":"Check job status","confidence_score":0.01752602}]},{"text":"Other assets I had noted here, now your vehicle, your BMW, you had valued at 18,000 last year. Would you still value it the same?","start_word":3961,"end_word":3985,"intents":[{"intent":"Review car value","confidence_score":0.0014139427},{"intent":"Discuss car value","confidence_score":0.015082587},{"intent":"Request car value","confidence_score":0.0013237321}]},{"text":"next month, it might be less or more. I I don't know, but it it doesn't go any any further than that. Yep.","start_word":4379,"end_word":4401,"intents":[{"intent":"Expedite insurance","confidence_score":0.000019570478}]},{"text":"And how much do you have owing on the loan total? Do you know? Not sure.","start_word":4406,"end_word":4421,"intents":[{"intent":"Determine loan amount","confidence_score":0.19944286},{"intent":"Confirm loan duration","confidence_score":0.001584591}]},{"text":"And I've also got your content valued at about 30,000 total. Would you keep it at that?","start_word":4428,"end_word":4444,"intents":[{"intent":"Determine content value","confidence_score":0.2673048}]},{"text":"So he he needs a car to drive around it because he he's been accepted at Beacon University in Melbourne and also Monash, which is also in Melbourne, but he he's deciding which one to take. And Yep.","start_word":4504,"end_word":4541,"intents":[{"intent":"Determine car choice","confidence_score":0.003803414},{"intent":"Make decisions on car purchase","confidence_score":0.000028589806}]},{"text":"And do you still have the Nissan X Trail as well?","start_word":4691,"end_word":4701,"intents":[{"intent":"Confirm vehicle ownership","confidence_score":0.025589684}]},{"text":"I like the fuel bill because it's minimal at the moment, and that's what I wanted. So That's it.","start_word":4942,"end_word":4960,"intents":[{"intent":"Request fuel bill","confidence_score":0.019760413}]},{"text":"I've got down here now it looks like I still need you. to obviously, with your beneficiaries, you want Louise to be noted as your beneficiary. It looks like that that document was sent out to you late last year, but it hasn't been completed yet.","start_word":4972,"end_word":5017,"intents":[{"intent":"Update document","confidence_score":0.12797652}]},{"text":"So I'm gonna prefill that for you. Are you comfortable with that? Yep.","start_word":5027,"end_word":5039,"intents":[{"intent":"Prefill document","confidence_score":0.48163578}]},{"text":"Send That's it through. yep. I'll print it out. I'll take a photo of it, and I'll send it back email it back. Beautiful. Legend.","start_word":5099,"end_word":5123,"intents":[{"intent":"Send document","confidence_score":0.19478087}]},{"text":"I'll take a photo of it, and I'll send it back email it back. Beautiful. Legend.","start_word":5108,"end_word":5123,"intents":[{"intent":"Take photo","confidence_score":0.12188522}]},{"text":"The other thing to sort of touch on here is the insurances.","start_word":5124,"end_word":5135,"intents":[{"intent":"Provide insurances","confidence_score":0.019994214}]},{"text":"So we'll get you to sign and return that back there for us so we can continue providing those services.","start_word":5459,"end_word":5478,"intents":[{"intent":"Provide services","confidence_score":0.0030620443}]},{"text":"Or or would a would a and a a lawyer be more appropriate?","start_word":6104,"end_word":6116,"intents":[{"intent":"Evaluate will eligibility","confidence_score":0.000170076}]},{"text":"from the post office, so long as you fill that out correctly, it still does look after you. It still does, you know, mean people need to follow the wishes. However, it is obviously can be more contestable. I have seen scenarios where, you know, a judge is throwing those sorts of things out and gone, look. It's just not valid. I'm not willing to do this. It doesn't, you know, fit. Yeah.","start_word":6235,"end_word":6307,"intents":[{"intent":"Explain process","confidence_score":0.001047256}]},{"text":"Do that for me just so that we're gonna have a read and and then reevaluate. Yeah.","start_word":6389,"end_word":6405,"intents":[{"intent":"Reevaluate","confidence_score":0.019547947}]},{"text":"And the only other thing I just wanted to quickly touch on is because you're not really looking you don't really have any expendable income and the possibility of changing jobs in the shorter term. Are you wanting to look at any additional insurances like trauma which are paid out of your back pocket, or is that sort of, you know, just happy to keep the life and keeping income protection you have?","start_word":6408,"end_word":6480,"intents":[{"intent":"Inquire about income","confidence_score":0.0037865087}]},{"text":"I do appreciate you. Oh, my pleasure.","start_word":6573,"end_word":6579,"intents":[{"intent":"Express gratitude","confidence_score":0.06873865}]},{"text":"Oh, my pleasure.","start_word":6577,"end_word":6579,"intents":[{"intent":"Give a thank","confidence_score":3.9798368e-7}]}]},"sentiments":{"segments":[{"text":"Call has been forwarded to voice mail. The person you are trying to reach is not available. At Good morning. Reese speaking. Hi, Reese. It's Dana from OQ Financial. How are you this morning?","start_word":0,"end_word":33,"sentiment":"neutral","sentiment_score":0.0026834055315703154},{"text":"I'm great, Dan. I knew it was you. Thank you for taking my call. It's okay.","start_word":34,"end_word":49,"sentiment":"positive","sentiment_score":0.5479691624641418},{"text":"I had to book in to go through your annual review this morning. Is now still a good time there for you? Yep. Perfect. I have Yep. just dumped in the car. So I'm just gonna put you on the car speaker, and, yeah, Yep. I've been talking the way to work. Just Absolutely. bear just You bear let with me me. know when you're ready there. Alright. Hold on. One sec. One sec. Yeah. You're right. I've got a new phone. Hold on. Bluetooth on. Alright. One sec. Yep. Alright. Is it through? No. It's still connecting. You alright? That's Well, I've okay. well, I've got you on speaker anyway. Yep. You can hear me okay? Yeah. Beautiful. Now before I jump into the call, Reese, I do have to let you know, moving forward, our calls are recorded for training and quality purposes. Are you happy with that? Absolutely.","start_word":50,"end_word":200,"sentiment":"neutral","sentiment_score":0.06137409806251526},{"text":"Fantastic.","start_word":201,"end_word":201,"sentiment":"positive","sentiment_score":0.40435948967933655},{"text":"And just to do a quick security check there for you, I'm discussing your personal information. I'll get you to confirm your full name, your date of birth, and address I should have on file. Born on the 11/21/1976, and I live at Yep. 2 Camperton Court, Varsity Lakes.","start_word":202,"end_word":250,"sentiment":"neutral","sentiment_score":0.1017196848988533},{"text":"Beautiful. Thank you so much for that.","start_word":251,"end_word":257,"sentiment":"positive","sentiment_score":0.3992633819580078},{"text":"Now having a look at things, I know last time I heard from you, your email mentioned that you have been made redundant from your previous role, but it looks like you got a new job now. Yeah. I'm now with Secure Corp. Okay. Beautiful. And how are you enjoying Yeah. that? Not as much. Yeah. Well, it's it's a bloody shopping Oh, center. I'm too qualified for a shopping center, but, I mean, I've got, yeah. yeah, but I've gotta I've gotta eat. You still there? Yeah. Yeah. I'm still here. Yep. Yeah. So so, like, I took the job. I mean, I've I've gotta work. I've gotta eat. I've gotta pay you guys. I've gotta pay the rent. So I'm not I'm not dismissing the job. I mean, it's it's okay. Yeah. Are you sort Yeah. of looking to see if anything else comes up as well in the meantime, or you're sort of just happy to go Oh, with yes. this for the time being? Or yeah. Yep. No. Perfect. I am I am looking I'm gonna see if I can get back into Queensland Health because as you know, Okay. my wife's a nurse and, Yeah. yeah, they're actually looking for staff there. So on my days off, I might just do a little bit of fishing at Queensland Health. Yeah.","start_word":258,"end_word":482,"sentiment":"neutral","sentiment_score":0.011307521752185292},{"text":"Absolutely. Fantastic. I love that. Well, good luck, and let me know how you go with that one.","start_word":483,"end_word":500,"sentiment":"positive","sentiment_score":0.46075499057769775},{"text":"Oh, I absolutely. know working for Queensland Health would be a lot more of a, you know, a lot more interesting for you, but also a lot more challenging as a role. Well, I used to do that. I used to work for Queensland Yeah. Health. That'd be good. Yeah. Yeah. I worked for Queensland Health when the pay payroll system bottomed out. You probably heard about all that. Mhmm. The payroll collapse. Yep. I'm part yeah. I'm part of all that. So I've already been in Yeah. it. Yeah. All good. Income wise at the moment, what are you earning currently? I will send you well, once actually, when I get to a certain traffic lights, I will send you Yeah. a screenshot of my paid slip, Okay. and, yeah, then you can look through that. Yep. It's it's it's not bad. It's about $33 an hour through the week. Okay. I think it's 42 on a Saturday and 55 on a Sunday, which, Okay. you know, it's it's not too shabby. Yeah. No. That's But okay. it Not a problem. Yeah. but it is casual. I mean Yes.","start_word":501,"end_word":690,"sentiment":"neutral","sentiment_score":0.032127540264474716},{"text":"Beautiful.","start_word":691,"end_word":691,"sentiment":"positive","sentiment_score":0.7367109060287476},{"text":"And with the income that you're earning currently, are you guys managing to sort of save much out of your income, or is everything going to your regular expenditure? At this regular expenditure. Yeah. Yeah. Okay. The trouble Not saving the much. trouble is my pay is on the same week as my wife's pay, so we don't have that money will. So or with I get paid one week to get paid the other week, but we got Yeah. Yep. slow. But now So it's I can like, oh, so we gotta we gotta manage it again because we will we get paid on the same week, which is annoying. Yeah. No. Absolute understandable. Okay. Having a look now, I know you can't sort of look at your emails, but I'll send through your annual review documents so you can have a look at them later on. But to give you a bit of an overview, when we sort of caught up in January, February this year, your balance then was sitting at $167,004.39 and 40<unk> there. Since then, your balance has increased, and we're now sitting at a $171,515.96 there. So we have seen some growth, Excellent. albeit the growth is a little bit less than what I would generally like for this year, but it is also to do with the ups and downs within the market currently there. Absolutely. Yes. All this much. Yeah. What I would like to do, though, I can see some investments within your super that, at the moment, aren't really performing the way I'd like them to be. So Yep. I do wanna go back and maybe review the investments within your super, update Okay. your portfolio, remove anything that's underperforming, and maybe just readjust the portfolio to make sure it's working harder for you. How does that sound?","start_word":692,"end_word":999,"sentiment":"neutral","sentiment_score":-0.05931002899472203},{"text":"Absolutely fantastic. Fantastic.","start_word":1000,"end_word":1002,"sentiment":"positive","sentiment_score":0.8394506573677063},{"text":"Now one of the things I wanted to sort of look at with you is essentially how you wanna see your funds invested because there are different ways of investing our money. Yep. At the moment, within your current portfolio, you have some actively managed investments in there. Now active managers are supposed to be buying and selling in a way that they out outperform against the market. They're trying to outperform against what the market is doing, Right. and they are for the time in the market. Active Okay. managers, you can pay a little bit more in fees to have active managers in your portfolio. We have other options. Because you are 50 this year, you are getting closer to accessing super. You can also look at a more of a passively managed sorry. A a passive investment side of things, which is cheaper. Lower Yep. cost might also, you know, reduce your fees a little bit more, and can also reduce the risk a little bit as opposed to having that active management in your portfolio. Which way would you like me to focus with building your portfolio? Well, what would you think is the most appropriate way? What what do you advise? In all honesty, having a look at your age and stage and the thing I find with a lot of people around their fifties is we are looking to start reducing a little bit of risk. We are starting to be a little bit more concerned with the market ups and downs because we're, you know, from where we're able to access super about ten years out to start with. So Yeah. I do find that in our fifties, we are starting to get a little bit, you know, less risky, wanting to sort of maybe look at more passively managed investments Okay. and maybe look saving on fees. I've got some options here that might reduce the investment costs within your portfolio. If I can reduce the fees within the portfolio and still make it work harder, it'll mean more money stays invested for your retirement.","start_word":1003,"end_word":1355,"sentiment":"neutral","sentiment_score":0.09795214980840684},{"text":"It'll also, you know, show good, hopefully, positive returns, and we'll keep reviewing it.","start_word":1356,"end_word":1369,"sentiment":"positive","sentiment_score":0.39329490065574646},{"text":"That I'd sounds probably great. be looking Yeah. Yeah. Yep. going more passively managed for yourself, but it also depends on your your level of risk. Do you wanna see a little bit more risk to try and get greater potential returns, or are you a little bit nervous about the ups and downs the market has been offering? Well, I thought perhaps if I do take a risk and it starts growing and Mhmm. then it falls, isn't it capped like it I'd I'd I'm I'm sure you guys put in a safe in there. So if the if the stocks fall between, say, 30%, it'll stop there. It won't fall anymore. You guys will lock it in so it won't collapse anymore. Is that true? Or if it does fall, No. it'll keep it'll keep Yes. falling. So, essentially, we Oh, don't okay. put stop losses on the portfolio. That's essentially Yep. us trying to time the market. So what we sort of wanna do is when we see ups and downs within the market, we wanna take advantage of those. And because Right. now you're getting paid weekly, now we also have the weekly payday let the payday super contributions. That means your contribution should be going in as your pay does, so essentially every week with your income. We don't But put I get stop losses hold on. But I I yeah. get paid for it, darling. Oh, fortnightly?","start_word":1370,"end_word":1612,"sentiment":"neutral","sentiment_score":-0.01895567119397499},{"text":"Beautiful.","start_word":1613,"end_word":1613,"sentiment":"positive","sentiment_score":0.5383017063140869},{"text":"Yeah. So yeah. That's okay. Fortnightly. So your income your employer contribution should be going in fortnightly with your income, essentially. Yeah. The reason we don't sort of and a lot of super funds don't allow us stop losses to be put onto their portfolios solely because that's essentially us time in the market. That's saying, hey. We, you know, don't wanna take advantage of the downtimes. Okay. When we when we invest money, we have different portfolios. So we have, like, a high growth environment, a growth, Yeah. a balanced growth, and a balanced and more conservative. And each of these stages has a different risk level. Essentially, when Right. you are more than six years away from accessing your super, you're in that growth environment now. So that sees 80% of your super invested in growth assets. So think about Australian shares, international shares, listed property, and then gold and silver and commodities and precious metals and things like that. They're all Okay. growth assets, and they're the ones that go up and down and can make us quite nervous. Being in that growth environment and having six years before accessing your your super means that when the portfolio takes a dip, yes, it could see a 10, a 20, or a 30% drop in the market, but we keep you invested. We keep the money being invested into those downtime. So when the market Yep. comes out, you bought into the dip. Essentially, it's taking advantage of the downtimes there. What I would Okay. not wanna see for you is have you, you know, five or four years away from accessing your super and still be in that growth environment. If you were that sort of close to accessing super, we would definitely be taking less risk in the market, and I'd be coaching Right. you to move your portfolio down to something a little bit less risky. That way, the expected dips you would receive or are expected to receive should be lower. Okay. There's definitely That sounds no guarantees. great. Yeah. There's always a lot of risk involved, but the way I And there sort of always look at is. the portfolios is about making Yeah. sure that you're taking a level of risk that's comfortable. You want growth, but we always see and feel down times as being a really negative thing. When you've got a bit of time on your side, it's actually a positive. They always say buy low, sell high, but that's one of Yes. the hardest things that people have to do is see their portfolio dipping a bit and keep that money invested, whereas that is the best time to buy because, you know, if you had, you know, the S and P 500 and it saw a 20% dip, you're buying Yeah. into a discounted investment opportunity.","start_word":1614,"end_word":2092,"sentiment":"neutral","sentiment_score":-0.05337891415819246},{"text":"So when the market recovers and comes back out, you're taking advantage of that time frame.","start_word":2093,"end_word":2108,"sentiment":"positive","sentiment_score":0.3367060720920563},{"text":"So, realistically, that growth environment still suits your time horizon and your risk Okay. capacity. However, I wouldn't wanna see you taking in any more risk. And within that growth environment, if I alter your portfolio to, you know, remove any underperforming investments, maybe keep it more passively managed and try to reduce fees that could provide a bit more, you know, growth down the track for you as well. Does that make sense? Do you have any questions? Oh. Oh, absolutely.","start_word":2109,"end_word":2190,"sentiment":"neutral","sentiment_score":0.1422792822122574},{"text":"It makes perfect sense.","start_word":2191,"end_word":2194,"sentiment":"positive","sentiment_score":0.5382566452026367},{"text":"I I just I I need to be comfortable because I as you know, well, as you're well aware, I'm retiring at 60. So I just I wanna make sure that everything is done neatly Yeah. and Yeah. correctly so that there's no sort of, like, shock when I'm 60.","start_word":2195,"end_word":2244,"sentiment":"neutral","sentiment_score":0.21543298661708832},{"text":"I like when I go to access my superann investment.","start_word":2245,"end_word":2254,"sentiment":"positive","sentiment_score":0.3926191329956054},{"text":"I'm like, oh, there's a massive hit. If Absolutely. we could just have, like, maybe passive growth or exponential growth, it doesn't matter. And just as long as it's comfortable while I'm 60. Yeah. I'm I'm I'm I'm cool with that. Yeah. You Absolutely. know what I mean? Yeah. Yeah. Definitely. Absolutely. And because, you know, looking at things, you're 49 right now. You're about to turn 60 this year sorry, 50 this year. So Yeah. what In I would November. probably look at doing you are. I'm so excited for that for you. I'm I too love immature that. to be 50, though. Look. I'm 42 this year, Rhys. I honestly, it's taken me a bit to be comfortable with my age, but I'm actually loving my forties right now. So Yeah. But you're more mature than me. I'm I'm immature.","start_word":2255,"end_word":2396,"sentiment":"neutral","sentiment_score":0.1205853819847107},{"text":"oh, you're you're comfortable, and you're happy.","start_word":2397,"end_word":2403,"sentiment":"positive","sentiment_score":0.33465930819511414},{"text":"That's all that matters. Yeah. That's right. And I exercise. Yeah.","start_word":2404,"end_word":2414,"sentiment":"neutral","sentiment_score":0.20362882857972925},{"text":"Absolutely.","start_word":2415,"end_word":2415,"sentiment":"positive","sentiment_score":0.490119993686676},{"text":"You Well, got what it. I can even do with this advice piece for you is because you are about in within that sort of ten year time horizon currently, I can have a look at, you know, the longevity outcome. We we are very cautious around of, you know, projecting all the way to retirement. But because you are 50 Yep. this year, I can look forward to the age of 60 to sort of project what we expect to Cool. happen within that time frame with, you know, the portfolio with the recommendations making, and then also what kind of longevity that might look like for you based on what you have currently. Does that sound Got okay? it.","start_word":2416,"end_word":2536,"sentiment":"neutral","sentiment_score":0.1685556024312973},{"text":"Absolutely. Perfect. It gives you a little bit of a bird's eye view, sort of shows you what we're projecting out to be, and then we'll just keep reviewing that moving forward for you again.","start_word":2537,"end_word":2571,"sentiment":"positive","sentiment_score":0.4559006094932556},{"text":"Okay? Yep.","start_word":2572,"end_word":2573,"sentiment":"neutral","sentiment_score":0.15427416563034058},{"text":"Cool. Excellent. You know Fantastic.","start_word":2574,"end_word":2578,"sentiment":"positive","sentiment_score":0.45945286750793457},{"text":"you know you know our plan is to Yes. You're moving every phase. yeah. Well well, yeah, we'll see. That's projected forecast for us yet. Yeah. I I just hope the the Thai market or rather the Indonesian market or housing market is still stable because things property is still very bloody cheap.","start_word":2579,"end_word":2631,"sentiment":"neutral","sentiment_score":-0.0021200324408710003},{"text":"It's like it's illegally cheap.","start_word":2632,"end_word":2636,"sentiment":"negative","sentiment_score":-0.398355096578598},{"text":"It's like what's going on. But Really? I'm just, yeah, I'm just hoping it stays like that. I can I can I can appreciate that there will be some growth in the in the property market out there within that ten years?","start_word":2637,"end_word":2678,"sentiment":"neutral","sentiment_score":-0.07734598964452744},{"text":"I just hope it doesn't grow exponentially because if it does, then that's gonna ruin our plan.","start_word":2679,"end_word":2695,"sentiment":"negative","sentiment_score":-0.4563221633434296},{"text":"You know what I mean? Yeah. So Yeah. Yeah. but I have done a little bit of homework on the property market, and I, you know, I have asked me questions whether or not if if or when is there a a big growth price hike? And they said our market maintains stability. So it doesn't Yeah. really Right. go up because Wow. it's been like that for the past hundred years. So, like, everything sort of stays the same because I'm I'm guessing the government looks after their people. Like, they keep everything quite low so people can afford because Yeah.","start_word":2696,"end_word":2797,"sentiment":"neutral","sentiment_score":-0.11765773112283032},{"text":"they're a fault. They're they're a second world country. They're not like our first world. Everything's freaking expensive.","start_word":2798,"end_word":2815,"sentiment":"negative","sentiment_score":-0.4073815941810608},{"text":"Oh, absolutely. Yeah. Yep. So I'm you have to take a loan out to pull your car up now.","start_word":2816,"end_word":2834,"sentiment":"neutral","sentiment_score":-0.18648621439933777},{"text":"So it's it's really hard.","start_word":2835,"end_word":2839,"sentiment":"negative","sentiment_score":-0.3820222318172455},{"text":"Insane. Yeah. Absolutely. No. Completely understandable.","start_word":2840,"end_word":2845,"sentiment":"neutral","sentiment_score":-0.15364116430282593},{"text":"Well, that's great.","start_word":2846,"end_word":2848,"sentiment":"positive","sentiment_score":0.43033722043037415},{"text":"And, okay, I've got that down here as your goal. So, you know, retiring at age 60 and then wanting to move to Thailand, purchase a business and or a property and kind of, you know, live cheaply over there, That's Yeah. kind of your main retirement goal at this point in time. Is that about right? That's correct. The reason why I wanted I wanted to buy a little bit just so, again, with that money, we all just have that passive income flowing through. Yeah. Yep.","start_word":2849,"end_word":2936,"sentiment":"neutral","sentiment_score":0.14615796506404877},{"text":"Because Beautiful. Fantastic.","start_word":2937,"end_word":2939,"sentiment":"positive","sentiment_score":0.47288379073143005},{"text":"I I don't think we can live on retirement or investment for the next fifty years after that because it'll run out. So you I Yep. we we need that sort of investment income still flowing in. Yep. Yep. I mean, it it also depends on kind of what you're doing. So, realistically, with your super balance at the time of retirement, if you look to take out a lump sum and utilize that to purchase a home and or a business within tie the Thailand area, that reduces how much you have invested. But the other side of it is in those retirement years, with what you have sitting in so far, I would wanna have maybe sitting in more income producing investments. That way, it provides you a bit more longevity. We could maybe look depending on where you're at. If you're living overseas, we may not get the same eligibility or criteria, but we could also get some Centrelink side of things. So having some Yes. Centrelink and what's coming out of super plus having it invested in income producing investments will help to draw down your income. It'll keep your capital invested. Will help to draw down your income. It'll keep your capital invested, and, hopefully, we don't have to draw as much of your capital. So that's kinda how we look at that through those retirement years and try and make it last as long as possible. But Yeah.","start_word":2940,"end_word":3183,"sentiment":"neutral","sentiment_score":0.08740491936074905},{"text":"moving forward, we just wanna kinda boost that as much as possible, have it growing and building as as much as we can over the next ten years.","start_word":3184,"end_word":3211,"sentiment":"positive","sentiment_score":0.5560612678527832},{"text":"So you start off with a good lump sum and then work out from there what you wanna do with those funds, how you want how you wanna have it invested, or whether you wanna draw a lump sum when you get that retirement side of things.","start_word":3212,"end_word":3258,"sentiment":"neutral","sentiment_score":0.2647513747215271},{"text":"Excellent. Yep.","start_word":3259,"end_word":3260,"sentiment":"positive","sentiment_score":0.4799825251102447},{"text":"Would I be able to collect pension or Centrelink overseas, like, say, Indonesia? Would I be able to collect that from Australia to you know what I mean? Like, Yeah. There are ways to do it, but it is very difficult. You don't get the same eligibility as you do if you are living here, but Right. it also could change over the next ten years. So I would be wanting to look at that, you know, when you're closer to 67 because you won't get it before that point, and Yes. then looking at what the changes are with regards to that in that time frame as well. So, yeah, it all depends on eligibility at that time, and you got ten years till 60 and then another seven years on top of that. So seventeen years and a lot could change in the Centrelink side of things there. That's it.","start_word":3261,"end_word":3412,"sentiment":"neutral","sentiment_score":-0.013162169605493546},{"text":"Just keep my money green, Diana, and everything will I be will.","start_word":3413,"end_word":3424,"sentiment":"positive","sentiment_score":0.4018080532550812},{"text":"like I will.","start_word":3425,"end_word":3427,"sentiment":"neutral","sentiment_score":0.29420316219329834},{"text":"Absolutely.","start_word":3428,"end_word":3428,"sentiment":"positive","sentiment_score":0.41189664602279663},{"text":"And you've got here so I've got down noted that in retirement, you were hoping to draw about $400 per week from your super each from yourself and your partner's super. Is that right? Yeah.","start_word":3429,"end_word":3463,"sentiment":"neutral","sentiment_score":0.1994142085313797},{"text":"I think we can live quite comfortably on that, like, after purchasing a a a home or a property.","start_word":3464,"end_word":3482,"sentiment":"positive","sentiment_score":0.33639517426490784},{"text":"But, see, actually, we we don't wanna buy a home. We wanna buy an apartment Yes. that's not contained. We don't worry about lawns and things like that. So an apartment will be cheaper.","start_word":3483,"end_word":3516,"sentiment":"neutral","sentiment_score":0.03503166884183884},{"text":"It'll be nice.","start_word":3517,"end_word":3519,"sentiment":"positive","sentiment_score":0.4998200833797455},{"text":"But, yeah, $400 a week, we should be able to live relatively comfortable with that even though it's not much. But in Yes. Indonesia, that should stretch quite a quite a bit, hopefully. Yep.","start_word":3520,"end_word":3553,"sentiment":"neutral","sentiment_score":0.13643626868724823},{"text":"Beautiful.","start_word":3554,"end_word":3554,"sentiment":"positive","sentiment_score":0.504623532295227},{"text":"And do you know how much you're going to need to draw out roughly to buy the apartment you're after? Have you looked at what that might cost you? Well, a nice one is right about 90 to 100,000, which isn't bad. Okay. Yep.","start_word":3555,"end_word":3598,"sentiment":"neutral","sentiment_score":0.11703665554523468},{"text":"Beautiful.","start_word":3599,"end_word":3599,"sentiment":"positive","sentiment_score":0.5423028469085693},{"text":"And you'll probably, maybe taking that out of super when you retire as a lump sum to be able to buy that apartment. Is that right? That's Or correct. do you think you'll yep. Okay. From super. We we won't Beautiful. need a car because they have they've got vehicles with they've got drivers who drive you around. If you if you own Yep. a an apartment in a in a complex building, it's like a limo service, but they they got drivers. So I've gotta do shopping or or wanna go Yeah. out to dinner. A driver Beautiful. would take it. That's that's all part of the part of the structure. So we don't Yep. have to, which is great.","start_word":3600,"end_word":3720,"sentiment":"neutral","sentiment_score":0.04616908356547356},{"text":"Beautiful.","start_word":3721,"end_word":3721,"sentiment":"positive","sentiment_score":0.3691309690475464},{"text":"Yeah.","start_word":3722,"end_word":3722,"sentiment":"neutral","sentiment_score":0.25597259402275085},{"text":"Excellent.","start_word":3723,"end_word":3723,"sentiment":"positive","sentiment_score":0.384743332862854},{"text":"Yeah.","start_word":3724,"end_word":3724,"sentiment":"neutral","sentiment_score":0.2627097964286804},{"text":"Lovely.","start_word":3725,"end_word":3725,"sentiment":"positive","sentiment_score":0.34628039598464966},{"text":"Well, that just gives me a bit of an idea on my projected outcome and what that looks like for you so I can sort of Yep. see where we're tracking and where we're heading. Absolutely. The other thing is now I know in the past, we sort of talked about you haven't really got a lot of expendable income, but are you open to maybe making additional contributions or maybe starting to put smaller extra amounts of money in the super, like salary sacrifice to kinda help boost your super, or is that kind of a no go at the moment? Well, sorry, sacrifice. I'm absolutely interested in most definitely. But Yeah. I just I I've gotta see how how the job goes. As I've said, I'm I am ready to come shift to get it, but I I I've gotta see if I get the job at Queensland Health first. Yep. When I get in because I don't I don't use the word if. Yes. So when I get in, yeah, I'm I'm I'm there. And then Beautiful. I'll then I'll throw sacrifice. Yep.","start_word":3726,"end_word":3911,"sentiment":"neutral","sentiment_score":0.045701291772627065},{"text":"Absolutely. Fantastic. Love that.","start_word":3912,"end_word":3915,"sentiment":"positive","sentiment_score":0.5700806975364685},{"text":"I wish I wish I could so sacrifice this bloody car because that's Yep. to reduce Yeah. my repayment. Yeah. No. Completely understandable.","start_word":3916,"end_word":3938,"sentiment":"neutral","sentiment_score":-0.03787078335881233},{"text":"That's all good.","start_word":3939,"end_word":3941,"sentiment":"positive","sentiment_score":0.4516158998012543},{"text":"I'll make sure we put that down as something to sort of focus on down the track for you. Other assets I had noted here, now your vehicle, your BMW, you had valued at 18,000 last year. Would you still value it the same? I I've I've got rid of that car. I've got the I've got an Audi now. I told you guys that. Oh, sorry about that. I will change Yeah. that. It's I even an Audi I even a three? Audi a three. I haven't sent you a picture of it Yep.","start_word":3942,"end_word":4036,"sentiment":"neutral","sentiment_score":0.018640855327248573},{"text":"because I'm so proud of it.","start_word":4037,"end_word":4042,"sentiment":"positive","sentiment_score":0.38980481028556824},{"text":"Thanks. You did. You did. I'm just removing that off here for you. Now last I because I have that down here as well. Valuation on the Audi a three was 16,500. What would you value that at the moment? Yeah. Well, see, I've got it at a I basically stole it because the guy in the car, yeah, didn't know what it was. Yep. So I've added this car. May well, actually, when I bought it, I took it straight to the mechanic. Yep. He he checked the phone and took it for a for a test drive as well. And he said I said, how how much do you think I paid for it? He goes, about 35,000. I said, no. And I said, Yeah. Wow.","start_word":4043,"end_word":4170,"sentiment":"neutral","sentiment_score":0.008796523441560566},{"text":"the fact that you thought I paid $35,000 for means I got a bloody good deal.","start_word":4171,"end_word":4186,"sentiment":"positive","sentiment_score":0.3829396665096283},{"text":"I I, you know, I stole it. Absolutely. And he goes, you guys have you insured it yet? I said, no. And he goes, you could insure it for 35. I said, yeah. But that means that my insurance previous will go up. I said, I don't wanna do that. So I've insured it for 16.5. However, I've got you the car at 25,000 just because, you know, there there is a Yep. bit of give and take with it. Yeah. Yeah. Yep. Absolutely. And that vehicle was borrowed. You were paying it back at $3.23 per month last year. Are you still has that loan decreased a little bit? How much do you have owing on that still? Oh, when the I've got it at the start of the year. I I don't know how much is left owing, but it's $340 a month because I've got it at variable. Yep. So it it goes up and down, but I have an app that says how much is coming out each time. So it could be $3.25, could be 3 could be on the October 7, $340 comes down. So Okay. next month, it might be less or more. I I don't know, but it it doesn't go any any further than that. Yep. That's okay.","start_word":4187,"end_word":4403,"sentiment":"neutral","sentiment_score":-0.007314473390579224},{"text":"Beautiful.","start_word":4404,"end_word":4404,"sentiment":"positive","sentiment_score":0.4509811997413635},{"text":"Yeah. And how much do you have owing on the loan total? Do you know? Not sure. Sorry. No. That's okay. You're fine. And I've also got your content valued at about 30,000 total. Would you keep it at that? Probably a little bit more. Yep. About 40. See. 40? Beautiful. Yep. And then I've got down here. Do you still have the 2,002 Avalon? Yes. Yep.","start_word":4405,"end_word":4471,"sentiment":"neutral","sentiment_score":0.05594712495803833},{"text":"Beautiful.","start_word":4472,"end_word":4472,"sentiment":"positive","sentiment_score":0.4107450842857361},{"text":"Valuation on that was about 2,000. Would you keep it about that? Yeah. We're actually giving Yep. it to my son, my oldest son. He's going to university next year. Yep. So he he needs a car to drive around it because he he's been accepted at Beacon University in Melbourne and also Monash, which is also in Melbourne, but he he's deciding which one to take. And Yep. then just the other day, he said, mom, dad, I don't think I wanna go to Melbourne now. I wanna go to Sydney. And I'm like, boy, you need to make your mind up quick. Because Yeah. next time you blink, it'll be next year. So you you know, you gotta make your mind up. So his plan is to drive the Avalon to Sydney or rather to Melbourne Yep. because because yeah. I mean, he he needs a car to get around him. Like, he he can't just stay he's gotta stay on campus, but he, you know, he still needs to get around. Yeah. Yeah. No. Even That's even okay. though we even though we did say, look, the train system is bloody great in Sydney, so you don't need a car, basically. But, you know, Yeah. kids, but you can't tell them. No. No. That's right. And do you still have the Nissan X Trail as well? That was the other vehicle I had noted here. Yes. Yep. Beautiful. That's I have a valuation on that of 5,000. Would you keep that fairly similar? about how much? 5,000? Yeah. Sorry about that. It was actually Yes. dad's dad's car when he passed away. Okay. Okay. We took Yeah. it, and I and I transferred it to Louise. So she that's what she Yeah. drive. She's driving it.","start_word":4473,"end_word":4771,"sentiment":"neutral","sentiment_score":0.01823419857346593},{"text":"Beautiful.","start_word":4772,"end_word":4772,"sentiment":"positive","sentiment_score":0.4135899543762207},{"text":"I mean, they're a Yeah.","start_word":4773,"end_word":4777,"sentiment":"neutral","sentiment_score":0.17207662761211395},{"text":"great car. They're not bad on fuel. They're really they're great.","start_word":4778,"end_word":4788,"sentiment":"positive","sentiment_score":0.4860962927341461},{"text":"They're you know?","start_word":4789,"end_word":4791,"sentiment":"neutral","sentiment_score":0.29519328474998474},{"text":"I love a good X Trail.","start_word":4792,"end_word":4797,"sentiment":"positive","sentiment_score":0.5596385598182678},{"text":"Is that what you got? No. I have a Kona. I got a smaller vehicle recently because I Oh, just okay. needed to get out of my RAV. Yeah. It was too big. Yeah. I don't have small kids at home anymore, and I don't need the fuel bill. So I've got a hybrid Right. Kona. Cool. Yep. Try Yeah. and eat something. Yeah. Yeah. But it's It's a really good on fuel. is there a lot of tech in it? There is. There is. It is all like you press button start. You don't need the key. It's got the screen and everything.","start_word":4798,"end_word":4901,"sentiment":"neutral","sentiment_score":0.011074650244644055},{"text":"It's it's very tacky.","start_word":4902,"end_word":4905,"sentiment":"negative","sentiment_score":-0.4634033143520355},{"text":"It's been very difficult to get used to because for the last twenty to twenty five years, I've driven a manual Right. a manual five speed RAV four. So Yeah. Cool. but, no, it's really good.","start_word":4906,"end_word":4941,"sentiment":"neutral","sentiment_score":-0.023140009492635727},{"text":"I like the fuel bill because it's minimal at the moment, and that's what I wanted.","start_word":4942,"end_word":4957,"sentiment":"positive","sentiment_score":0.3603978753089905},{"text":"So That's it. That's exactly what yeah. it is.","start_word":4958,"end_word":4966,"sentiment":"neutral","sentiment_score":0.25355494022369385},{"text":"Good Oh, on good. Excellent.","start_word":4967,"end_word":4971,"sentiment":"positive","sentiment_score":0.4227260649204254},{"text":"I've got down here now it looks like I still need you. to obviously, with your beneficiaries, you want Louise to be noted as your beneficiary. It looks like that that document was sent out to you late last year, but it hasn't been completed yet. I really wanna get your Oh, beneficiaries man. sorted. So I'm gonna prefill that for you. Are you comfortable with that? Yep. Oh, absolutely. Yes. Yep.","start_word":4972,"end_word":5043,"sentiment":"neutral","sentiment_score":0.08963698148727417},{"text":"Beautiful.","start_word":5044,"end_word":5044,"sentiment":"positive","sentiment_score":0.40889471769332886},{"text":"And I'll make sure that is posted and emailed out to you to have that filled out because at the moment, there's no nomination still, and I really need that to be updated to protect you if anything happens. Okay? Yeah. No. I could've sworn it was already done. But yeah. But yeah. Yeah. Send That's it through. yep. I'll print it out. I'll take a photo of it, and I'll send it back email it back.","start_word":5045,"end_word":5121,"sentiment":"neutral","sentiment_score":0.06999290734529495},{"text":"Beautiful.","start_word":5122,"end_word":5122,"sentiment":"positive","sentiment_score":0.41366255283355713},{"text":"Legend. The other thing to sort of touch on here is the insurances. So you've got your AIA policy there, which Yeah. currently shows that with your life and TBD, we're sitting at 551,250. Is If anything that all was I'm worth? to happen, that's what you're covered for at the moment. If you think about your life cover, so if anything happened to you, Louise would be able to claim the life of the two the $5,512.50 plus your super balance currently sitting at $5,171,005 15. It Yeah. essentially gives her a sum insured of $722,007.65 as a bit of a buffer if you would have passed away. Does Okay. that feel fairly comfortable for you at the moment? Yeah.","start_word":5123,"end_word":5243,"sentiment":"neutral","sentiment_score":0.03409767375627825},{"text":"And now I'm cool with that. Beautiful.","start_word":5244,"end_word":5250,"sentiment":"positive","sentiment_score":0.4114609658718109},{"text":"And TBD, you have the same level of cover. We can also claim on super and have that released under permanent incapacity if you are TBD. Yep. Are you happy with the level of cover, or did you wanna kinda review that a bit more? Yeah. I'm cool with it at this stage. Yep.","start_word":5251,"end_word":5304,"sentiment":"neutral","sentiment_score":0.11394301056861876},{"text":"Beautiful.","start_word":5305,"end_word":5305,"sentiment":"positive","sentiment_score":0.3829977810382843},{"text":"I've Yeah. also got your income protection policy. So you've got that monthly benefit of $4,054.18. What I'll do is to check that against your income. When you send me your payslip, I'll double check your income protection policy. If you're a bit underinsured, then we'll come back and have that conversation to talk about whether you wanna look at increasing or altering that. How does that sound? Yep. Perfect. Yep.","start_word":5306,"end_word":5376,"sentiment":"neutral","sentiment_score":0.07174718379974365},{"text":"Beautiful.","start_word":5377,"end_word":5377,"sentiment":"positive","sentiment_score":0.47889506816864014},{"text":"I've got in the a DocuSign there for you as well just a couple of documents. So it gives you your summary of your insurances and safety, your hub twenty four performance report, The OC financial services guide, which has a lovely glossy picture of me and all my license information for you, it's also got your AIA insurance policy information and your ongoing service agreement there as well. So are currently with your balance being under 200,000 on 1.65%. Yep. So we'll get you to sign and return that back there for us so we can continue providing those services. And in the meantime, I'll do some research, and we'll go forward and update your portfolio. Just focusing on changing, altering the portfolio, you know, lowering the risk level, keeping you more passively invested a little bit, and saving on fees. How does that sound so far?","start_word":5378,"end_word":5525,"sentiment":"neutral","sentiment_score":0.17155315485355016},{"text":"Excellent. Yeah? Beautiful.","start_word":5526,"end_word":5528,"sentiment":"positive","sentiment_score":0.4799949824810028},{"text":"The last thing I just wanted to double check was just your risk profile questionnaire. So just to run through a couple of questions to make sure that that growth portfolio still suits you there. Yeah. I've answered majority of them already to make it a bit easier on you. Okay. The the first one here is thinking about the level of risk you are taking and how markets react. Do you feel comfortable taking a higher level of risk to try and get greater potential returns to make sure your returns are keeping up with inflation? Are you comfortable with a moderate or medium amount of risk to try and beat inflation, or are you not comfortable with risk at all and prefer lower risk investments knowing that the returns are lower? Where do you see yourself bidding on that scale? I'm comfortable with medium. Yep. Beautiful. Excellent. If you saw the market fall or if you saw your super fall due to external market conditions over the next, say, six months and let's say fell 20%, how do you think you might be feeling? Are you wanting to maybe put some more money into the market, take advantage of the downtime? Are you a bit nervous, maybe calling us and talking to me and seeing what we suggest you do, or are you wanting to move your funds into cash? How do you think you might react? I'd be calling you to get your advice on that subject. Yep.","start_word":5529,"end_word":5779,"sentiment":"neutral","sentiment_score":0.02003980241715908},{"text":"Beautiful. I love it. It's a good answer.","start_word":5780,"end_word":5787,"sentiment":"positive","sentiment_score":0.5925542116165161},{"text":"Well, it's only because I trust you guys more than anything, so I know you're not gonna do anything wrong. Oh, thank you. Well, I'm The last one I'm here I'm an honest guy. What can I say? the last one here is have you ever thought about taking out a loan in order to invest in shares or manage funds, or is that something you consider too risky and would only ever borrow for property? How do you think you sort of fit there? Because, yeah, I I do find that too risky. Yeah.","start_word":5788,"end_word":5882,"sentiment":"neutral","sentiment_score":0.05513573633997064},{"text":"Absolutely. Perfect. Well, thank you for that, Reese. You have scored us a growth investor.","start_word":5883,"end_word":5897,"sentiment":"positive","sentiment_score":0.5415138602256775},{"text":"That does sort of have you that eighty twenty split as we went for before. Yep. It suits someone who has about six years before accessing their super, and we understand a negative return is likely, say, one in every odd years. Are you still comfortable with that level of exposure? Yeah. But you're too. Yeah.","start_word":5898,"end_word":5953,"sentiment":"neutral","sentiment_score":-0.03246156871318817},{"text":"Beautiful. Excellent.","start_word":5954,"end_word":5955,"sentiment":"positive","sentiment_score":0.5909130573272705},{"text":"Well, I'll look at keeping you in within that sort of allocation. You've got a copy of those documents in your email ready to have a look at when you home this afternoon. Is there anything that I maybe haven't touched on that you wanted to ask me today as well? Or Not that I can recall, but of of course, if I do think of something, I will give you a buzz. Yep. So That's yeah. okay. That's alright. The only other thing I just sort of wanted to touch on I've just had a look at is, last time we called up, yourself and Louise, you haven't done a will or power of attorneys. Have you guys been talking about speaking to services of a solicitor that have those things drawn up? Or What we're thinking because there's a free will from the post office, yep. Or or would a would a and a a lawyer be more appropriate? I mean, isn't a will a will like why do we need a lawyer? Why do we gotta pay a lawyer? Because I'm gonna just get it done for free to post office. I mean Yeah. You can definitely do it that way. One of the biggest things and why people tend to get a solicitor to draw up a will is that it is less contestable. All wills are contestable. However, yeah. a will being done drawn up by a solicitor does essentially meet certain conditions of the criteria with regard to legislation. So it's generally filled out more correctly, and the judge is more willing to take that into consideration. With having a will Correct. from the post office, so long as you fill that out correctly, it still does look after you. It still does, you know, mean people need to follow the wishes. However, it is obviously can be more contestable. I have seen scenarios where, you know, a judge is throwing those sorts of things out and gone, look.","start_word":5956,"end_word":6290,"sentiment":"neutral","sentiment_score":0.04081951304158168},{"text":"It's just not valid. I'm not willing to do this.","start_word":6291,"end_word":6300,"sentiment":"negative","sentiment_score":-0.4488557279109955},{"text":"It doesn't, you know, fit. Yeah. There Yeah. are Yeah. other ways, though, and each state also has, like, a trust fee that can do at will. So I have a little bit of information if you wanted me to send it through Yeah. on That'd be maybe great. the trust fee. That way, it's done up by someone who can follow legislation like a solicitor, but it is a Sure. much cheaper process for you. Did you want me to do up that for you? Yep? Yeah. Do that for me just so that we're gonna have a read and and then reevaluate. Yeah. Absolutely.","start_word":6301,"end_word":6406,"sentiment":"neutral","sentiment_score":0.029023941606283188},{"text":"Perfect.","start_word":6407,"end_word":6407,"sentiment":"positive","sentiment_score":0.4078486561775207},{"text":"And the only other thing I just wanted to quickly touch on is because you're not really looking you don't really have any expendable income and the possibility of changing jobs in the shorter term. Are you wanting to look at any additional insurances like trauma which are paid out of your back pocket, or is that sort of, you know, just happy to keep the life and keeping income protection you have? I I'll just leave it as it is at the moment. Yeah. Yes. Yep. Absolutely.","start_word":6408,"end_word":6495,"sentiment":"neutral","sentiment_score":0.0025654511991888285},{"text":"Perfect. Well, thank you so much for that, Rhys.","start_word":6496,"end_word":6504,"sentiment":"positive","sentiment_score":0.4226933717727661},{"text":"I will get stuck into the last few things. I'll get the email out to you. And when you get a second, if you can shoot me a payslip, I'll just double check your income protection, and I'll come back and let you know if we need to maybe touch base with regard to the the amount of income protection you have. Okay?","start_word":6505,"end_word":6567,"sentiment":"neutral","sentiment_score":0.1478201150894165},{"text":"Dining, you're a rock star. I do appreciate you. Oh, my pleasure. It's been a pleasure. I hope you have a good day.","start_word":6568,"end_word":6590,"sentiment":"positive","sentiment_score":0.5804119110107422},{"text":"I am. I've just arrived at work.","start_word":6591,"end_word":6597,"sentiment":"neutral","sentiment_score":0.2144041359424591},{"text":"So I'll be Beautiful.","start_word":6598,"end_word":6601,"sentiment":"positive","sentiment_score":0.5376513004302979},{"text":"I'll set up my pay slip on my first break, and Yep. yeah. And you're gonna have a Legend. peruse through.","start_word":6602,"end_word":6622,"sentiment":"neutral","sentiment_score":0.24829572439193728},{"text":"Thank you so Okay. much for your time this morning. Enjoy your No. day. Thank you. Appreciate it.","start_word":6623,"end_word":6640,"sentiment":"positive","sentiment_score":0.60072261095047},{"text":"Okay.","start_word":6641,"end_word":6641,"sentiment":"neutral","sentiment_score":0.3215329051017761},{"text":"Have Any a nice day. See you later.","start_word":6642,"end_word":6649,"sentiment":"positive","sentiment_score":0.5031675696372986},{"text":"you I'll too. speak to Thanks, you soon. Reese. See you Bye. later. Bye.","start_word":6650,"end_word":6663,"sentiment":"neutral","sentiment_score":0.1637820452451706}],"average":{"sentiment":"neutral","sentiment_score":0.06074492204766697}}}}