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I'm not sure whether we had it scheduled for three or 04:00, so I just wanted to double check with you if you still had some time for me. Perfect. Before I jump into it, I will send you out a bit of an email review pack and just quickly check security with you if that's okay. Sensational. So I'm registered with ASIC as adviser one two seven three one zero five. Could you please confirm your date of birth and address? Amazing. Thank you so much for that. How have you been going? I know we we miss each other when you got back from overseas. Was your trip good? No. Totally fair. And I don't want to be trying to throw all this finance jargon at you while you're trying to sleep, so that's totally fair. Halima, I've got your email address for your Gmail account listed. Are you okay for me to send the pack through to that? Perfect. Will you be able to look onto the documents with me, or should I just walk you through them? Yep. No worries. That's okay. What I'll do to start with as well is we'll update a few details, and I'll go through a few ideas with you. And then there's only a couple of documents I wanted to walk you through as well. K. Can you hear me okay on the headphones? It's a little bit muffled, but I do have you. Actually, I can make that out. That's fine. I'll just make sure everyone around me doesn't start making a party in the background, and I should be perfectly fine. Aleema, is there anything in particular you're hoping to get out of this annual review I get started? Yeah. Just a bit of a general update on how things are going. No worries. Now I've got a few details here in our system from your last review. So I was just gonna briefly start there and just see if there's been any significant changes and if the details on our system is accurate. Is that okay? Cool. I've got you listed here as married to Christian with Emmanuel and Zachariah as your children. Perfect. We've got Gmail's fine. Phone number is fine. We had you listed as a hairdresser earning 88,000 per year with balance. Alrighty. And putting aside maybe 300 a week on average in terms of savings, how are you going with all the cost of living? Let me do I still have you there? If you can hear me, I've just had the sound cut out for a moment. That's okay. I do the same thing every time when I touch it on my ear, it just hits the mute or hang up button. That's okay. I was just checking in terms of savings and cost of living with you. Yeah. I get you. Oh, it's gonna drop, is it? So it switches around a little bit every now and then. Oh, and they don't pay super, or they do pay super? Okay. So what I'll do is would you say your overall income for the year is about 88,000, or is that just from your main role? Okay. And then would you have a little bit of an estimate on what you would earn for the year from the other contract job even if it's a thousand dollars, 5, 10 on top of that? Yep. Okay. K. So I'm gonna put in there an estimated annual income of 91,000, and then I'll trim it down for the super guarantee component from the contribution. Is that okay? Not really. It's it's gonna obviously, bit of percentage on a couple of grand. Doesn't impact it too much, but I just wanna have that there for disclosure purposes. That's all. Okay. In terms of assets and liabilities, do you have a bit of an update on just savings or rainy day fund that I can note down for your assets? Yeah. Whether it's a couple of grand, 5,010, don't have a million dollars under the mattress. 4 and a half, did you say? Yep. Perfect. In terms of your main residence, are you still owing about 670,000 on the mortgage? 631353. Fantastic. And 1,500,000 for the value, would that be pretty close, or would you reckon it's jumped up a lot the last twelve months? K. I might even just quickly check the online. Let's have a quick look. I'm just gonna put in your address for a moment because I found that the online estimates are pretty good. I know that everything's changing at the moment, but it gives us a good estimation. Yeah. Here we go. I think it's saying even 1.7 is a medium a high confidence middle range. So I might put that in there. K. And then just the motor vehicle was the only other asset that we've got with no car loan. Perfect. Any other loans or shares or crypto or anything else? Yep. No. That's okay. I can work that out because the current share price as of today is $7.54. And if you have a 184 shares oh, sorry. I've miscalculated that. $7.54 and a 184 shares, $1,387. We just had a vehicle listed just in general for 12,000. There was no name of car or or make or model. Okay. Oh. Okay. So we've got a Toyota Hilux GR four. 2024 model. I'm gonna pop that in quickly. And they're valued at about 7 60 to 70,000. Should I just put in 60 5 in the middle? Yep. Oh, could you repeat that again? You you were gonna put it up for sale? Oh, okay. Caravan up for sale. Okay. Perfect. Do you know just how much you're hoping to clear for that one? Yep. So realistically, 67. Wow. So we'll probably expect next year the nice big cash lump sum still sitting there. So in terms of goals, do you have any plans for what to do with the cash once you sell it? Do you have any priorities? Is it going on the mortgage? Yep. To be put. Yeah. Absolutely. And it's one of the things where it's like you just offset the mortgage. Do you invest it? Do you put it in your suburb? Do you do all kinds of different strategies with it? One of the things that I can sort of say up front is that the way things have changed recently with interest rates going up and the stock market going down, it's kind of squashed it together. Whereas back when I started in the industry and your interest rate was 2% and you could get 10% in investments, really good idea to invest and grow your wealth When you can offset your 6% mortgage and the stock market might get you 7%, it's a lot less attractive at the current environment. Probably, I would say the mortgage at the moment, and the reason why I say that is because it's a good holding pattern for the cash because you can access it if you need to. If the economy tanks, it offsets the mortgage. And then after the years elapsed, you can do things with it towards the end of financial year as well if we need to. Yep. And then in in addition to that, we just have to be careful because all the legislation's changing. So if I try to set you up with an investment account and they wipe out the CGT discount, then all of a sudden, that's less it. Yeah. There's a lot of things moving at the moment that haven't passed. So I think should we have a bit of a catch up in you wouldn't just do, like, that annual review in twelve months to sort of go through a few other ideas and strategies then? Do you want me to pencil you in for six months before Christmas? Or well, no. Not yet. So what I'm thinking, I'll go through the super and the insurance with you now. But just in terms of the cash proceeds from the caravan, it would be best to just yeah. Once it's done, once we've got a bit of an idea of the economy and legislation, we can revisit it. Perfect. No. I wouldn't cut it that short. You get much better service than that, Halima. Yeah. Yep. So let me walk you through that. I'm just gonna quickly double check these goals with you, and I'm gonna go into your performance report. Do you still have that email open as well? So one of the attachments at the bottom of the email, like a normal PDF attachments, you'll see a hub twenty four performance report as well. Now I've got you listed down where we're trying to retire around the age of 65, mortgage paid off, and about a pound sorry? Yes, please. If you can open that one, I'll walk you through it. So we've got about eleven years until retirement to, I guess, grow the super for a while. And then as you're nearing retirement, I have to also consider when to reduce your risk level back down because your portfolio, and I'm gonna kind of break it down for you, you're in a balanced fund, which is a three out of five on the risk scale. We call that medium risk. Yep. Absolutely. So the minimum time frame for that medium is seven years to make sure you can get those average returns that you need. Once you've got less than that to go, we need to start transitioning you into retirement where instead of 70% of your money being in growth assets like shares and property and gold, we then start to wind that back to 60%, 50%, 40% on your way into that pension phase. Does that make sense? K? So in that report that you can see, the first page should be a nice big table with a whole bunch of different investments, and the second page is all of your portfolio mixed into one thing. Yeah? So what you can see on the second page is, like, it's one row. And what I can show you is on the right hand side of it, if you can make out the figures, it should say a 10.22% net return after fees. K? So average for balanced risk is seven to 8%. So we've gone above that after fees, which is good. You've had quite a large jump up in your balance where you're sitting at just shy of 240,000 today. No. You're totally fine. So you went from 208,000 to 240,000 in the last twelve months in terms of contributions and growth. Okay? So it's very good. And one of the the balancing acts that we have to do is that you're getting because it's percentage based returns, every 10% now is, like, $20,000 on top of your contributions. So we try and get as many of those out of it as we can until we have to reduce your risk level down. K. Yeah. Yep. So couple of ideas that I would like to do with you is so 60 a week goes in pretax as salary sacrifice, where if you tell your work, they're gonna take it out of your pay and tax you on what's left over. So because the super is 15% tax rate and you've got that bracket there, that sort of 32% bracket, you will save that 17% on every dollar that you put in. So the way it would work is if you put in 60, it'll probably impact your pay by about 45 to 50 dollars. Correct. So what happens is if you put 60 in because of the tax differences on it, you're gonna get 45 less in your in your pay rather than 60 less because it's going in pretax, which is fabulous. Yeah. And that difference in the tax goes to help boost up the super quickly as well. Yeah. So what I'll do is I'm gonna give you an updated statement of advice where I kind of update your plan and your projections for you so you've got that in writing. But I'll give you a bit of an idea now for where we're kind of headed. So you've got 240,000 now. If I work out your 88,000 income for the contributions, Chop off a bit of tax off of that. We've got about 8,900 that goes in per year after tax and fees. Eleven years to go. And like I said, let's say seven to 8% return benchmark for balanced, you're kind of headed for that $65,700,000 mark. Now from there, if we add on that $60 of salary sacrifice, I'm gonna add that on to here, that bumps your contributions up to 12,000, and that gets you from $6.50 to 700,000 as a minimum and from 7 100 to $7.60 as a maximum. So for every $60 a week that you can put in, it's an extra $60,000 in the decade. And that'll probably give you an extra two years' worth of income for your retirement goal for every time you do that. Correct. We just gotta make sure we don't go over the cap, which is quite large. They've increased it to 32 and a half thousand, so you're not gonna get anywhere near kind of extra taxes and breaching caps. K? So what I would like to do is just when I was talking about your investments before, overall returns are looking good. There is one investment option that's kind of concerning me a little bit at the moment, the Bennelong option, which has dropped a bit. So what I would like to do is just kind of switch that one out and update that one option at least, and I'll factor in the salary sacrifice so I can kind of show you here's your current situation. With your current contributions and investments, and this is what it might look like if you put a bit extra in and update your portfolio. K? So I will do the research of that in the background, and then the team will kind of as soon as I get back from I'm going on paternity leave in a couple of weeks for my third job. Thank you. So I've got two boys and a girl on the way, and that's really exciting. They're really keen to have a sister, and we're keen to have a daughter. And so for everybody, I'm pretty much just getting my team to build and research everything. So as soon as I get back, they can book you in. We can go through the updated plan together. Sounds good. Alright. I do have one question for you. This is not you can't answer this question wrong. It's really just about your gut feeling here. With the investments, I can pick anything across Hub because they've got the most investment options in the country. And to whittle that debt, they've got 1,300, so I need to kind of shortlist that a little bit. We can choose between low fee passive investments, which have the lowest fees, but they just follow the market up and down, or higher fee active investments where they try and pick and choose stocks and properties and things to try and get a higher return. Do you have a preference between the two? Where are you leaning? Perfect. So what I would say there is that most of the time, the passive side is a bit more traditional, a little bit more low risk because you eliminate a fund manager making a misstep in buying the wrong things. They're just buying all the big companies, and it's a bit more bit more middle of the road for that option. Cool. So I'll put that together. I have a few options in mind that I'll compare for you, and I can put that in there with the extra contributions. Now while I've got you here, we updated the beneficiaries on your let me just double check here. I did see it before. Yes. That's right. So I'm having a look through the file notes, and we have Clearview has updated no. Wait. We've got the Clearview has paid premiums. That's all good. Okay. So what I can currently see listed is Christian and Zachariah on hub. That's a 50% split between spouse and child. That's it. Okay. So is it supposed to be I'm gonna double check because it's still processing. Is it supposed to be the oh, can you say that one more time for me? That's the 1502525? Alright. And I'll make sure so that's what you wanted on both the super and the life insurance. Is that correct? Yep. And, again, you can split it because life insurance can go to anybody. You can go to charity. You can go to partners and children. Super. It's like, who's your spouse? Who's your dependents? K. So I'll go spouse, child, child. I'll make sure that's across both. Now with your insurance policy, I need I need to show you this one. Can you still see the attachments on the email that I sent you? So on the bottom, there is a ClearView certificate of currency. It's a lovely pinky purple certificate. Yep. So premiums are jumping up every single year, and they jumped up again in March. And we're clearing $7,000 a year coming out of the super. So I'm glad that the super has grown well even with all the fees coming out, but it's it's one of those things where next year, that'll probably be 9,000. And the year after that, it could be 11,000. And Yep. Uh-huh. I see. Yep. Okay. Yeah. Yeah. Gotcha. K. I'm noting this down. Can I have a look into this for you? Because what I would like to do is if there's any loadings on the policy, which is an increase due to the the fatty liver kind of thing, I can either get that review with Clearview or potentially look at another provider and see who's gonna get you the best deal. Outside of that, I think you were still listed as possibly having smokers' rates as well, which it's one of those ones where anytime you get that tag, they double the price, and that's the bigger hit as well. And it could be a combination of multiple factors here. Yeah. And the space out to twelve months is really good. And if that's all it is kinda thing, I'm happy to go do a few anonymous phone calls to Clearview and other insurers to see if I can see a better deal for you. Uh-huh. Yep. Okay. No. No. And, like, this is such a risk. She's about to explode. Yeah. Everybody takes an antihistamine and a Panadol. Yep. Which is what what's what they want to do is, like, go to the doctors, get things checked, be preventative, and not waiting until you've got the main issue. So, look, I can never promise any outcomes with it, Halima, but I am more than happy to go to bat and hunt around. And if I can improve things, I will. The cover amount, 512,000, which obviously pays the majority of the mortgage up, but your super kind of finishes off the last little bit, is that okay? Is that too little? Is that too much? It is because they do this indexation where they don't just increase your price. They slightly increase your cover amount, which is it's actually a cool way to get slightly more cover every year with the cost of living for cheaper, but it does impact things as well. So it was probably around figure to start with, and they bumped it up slightly. So I'll do the cover amounts as they are, and I'll see if I can get any reviews on Clearview or a different provider. Am I able to tell them that you're twelve months nicotine free by any chance? Yep. Because one of the things is, like, that that it on in and of itself, that'll be $3,000 safe. So we can do a declaration of nonsmoker's rates to Cleave you if you like. If, you know, Christmas party didn't happen last year, because I know you put the policy in force in 2025, and and if that's part of the the health management, that's possible. And also with the the next provider as well. Just be careful, though, if there's anything where your doctor's like, yep. Look. You're you're still a smoker, yada yada yada. They it all links together. All the data links together. Yeah. So do you want me to try and find some quotes for a nonsmoker, or should I leave that there for just this last one more year? Yep. K. So let's say there's a thirty five to 40% chance that I can get some loadings reviewed or another provider for the current health. Best case scenario is we get the smokers' rates ticked off next year as well. So I'm gonna kind of split it up a little bit where there's two attempts to try and get your premiums down. Sound good? Alrighty. Now, Halima, I have gone through quite a few things so far in terms of the super, the portfolio update, the contributions, and the insurance premiums. Do you have any questions for me so far? Perfect. The last question I had was in terms of the estate planning, I know the beneficiaries are all getting fixed up, but I had a note I was trying to cross reference my data in the new system. It says that you've got a power of attorney in place, but maybe not a will. K. Do you actually have a power of attorney in place? So if you're in hospital and you can't act, someone's gonna look after the banks and talk to the doctors. Do you have that in place? It's kinda like, yeah, when you put a will in place and you get it all signed off with a JP and a lawyer and all that kind of Can I give you a bit of helpful direction here? There's three main options that like, obviously, there's solicitors everywhere, in every city, in every town, and you can go talk to a lawyer. How long's a piece of string? They can sort everything out. That's fair enough. The second option is the public trustee of every state. So for you, New South Wales also offers appointments to do wills and powers of attorney as well. Yeah. I apologize. That's probably my fault because I've sent every single person in New South Wales to them to look for a will. Cool. The only other option too that some people do is for simple circumstances where it's just like a a home and some savings and a car is you can do government approved will kits and power of attorney kits from the post office that are, like, $25 each as long as you get them all certified. Yeah. So three options there for you. I'll put a note in the file, and when I do that updated device that that's the suggestion. And, hopefully, the the wait list isn't too long there. Yeah. So it's the public trustee. So if you like I'm googling it now. I go New South Wales public trustee, and it comes up with New South Wales government website for the trustee and guardian. Yeah. Public trustee. It's the the the horrible group that everyone hates when they die without a will, and it goes through the public government system. But then if you actually go to them prior, they can actually set the wills up. So it's like, I like them for that. It's painful on the other side of things, but they're good for that. Perfect. Perfect. Any questions on that for me before I let you go? Cool. In that document that I've sent you, so we've included, like, financial services guide updated with our licensing details. And inside the signable link button on the email is an updated service agreement up the top with the signed documents. So what happens with our new system is if you hit that, it'll open up into the Odoo it's like a DocuSign, and it'll allow you to scroll through the document to look at it first. And then if you're happy with the fees, you know, the usual, like, 1.65% split between the monthly payments and the 15% rebate, we always estimate our fee with a bit of growth on top of it because your super fluctuates. When you're happy with that, it'll click on you can click on the purple buttons, and it'll pull you to the signature spot and the date spot, and it'll stamp it on there with your name. Yes, please. Now if you prefer, you can actually click on that signature and draw it so it matches your license, or if you're happy with it just to be stamped by the digital signature. Yeah. That's fine for us. Sometimes with some providers, like some insurers, they require it a bit more drawn. But for Oakview documents, we're okay for it to link in with our system. Yes. Yep. It's definitely better, but it can be a bit painful to try and draw on a phone and things like that. Perfect. So sign all will stamp it across the whole thing. So if you wanna just keep going, like, next, next, next, it'll pull you down. Whatever you're more comfortable doing. Yep. And then once it's all signed, the bottom will have, like, a validate button that will send it to us, and it'll give you a pop up to download a signed copy for your records. Yep. If you have any one, we can provide you a copy anytime, but it just gives you that prompt to download it straight away. Perfect. Now, Aleema, do you have any questions for me at the moment from the annual review? Yeah. And it's actually really like, I'm very impressed because a lot of people have been losing a lot of money in super lately, really negative returns. For you still to be up 10% after fees, that's really good. I'll optimize things and give it a bit of an engine tune up as well to keep it going. Oh, look. The the way the world goes, you know what it's like every couple of years, something blows up. But we play the law of long term averages. And like I said, you've got eleven years. I need to make a couple of good decisions with you to average out over that decade to, a, grow the super, and then, b, protect it once it's built. Okay? Are you okay for the team to kind of reach out over the next couple of weeks if they need any more information for the insurance? Research. Perfect. Because that will be they're gonna be going full throttle into every option under the sun there. They may need to clarify a couple of things while I'm away, and then we'll get you booked. Yeah. So at least it's enforced. And the good thing too is if we do do any alterations with Clearview or switch to another provider, they do do pro rata refunds as well. So if it's only a a month into the year and you've paid for a year, they'll give you eleven months back or whatever it is. Correct. Alrighty. Well, thank you so much for your time today. I'm glad we we caught each other and and got it sorted, and I've got a few ideas to to improve things. So thank you. Perfect. Look. It's been a pleasure. I'll get the team to send out the usual feedback text message if you're okay to give us a bit of feedback and a review. But outside of that, as soon as I'm back in the office, you'll get a call to either go through the research, update, or book in for me straightaway to go through the plan. Alrighty, Halima. Have a fantastic week, and I look forward to talking to you again soon. 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afternoon, Halima. It's Tommy here from Oakview Financial. How are you doing? I'm doing absolutely fantastic. I'm not sure whether we had it scheduled for three or 04:00, so I just wanted to double check with you if you still had some time for me.\n\nPerfect. Before I jump into it, I will send you out a bit of an email review pack and just quickly check security with you if that's okay. Sensational. So I'm registered with ASIC as adviser one two seven three one zero five. Could you please confirm your date of birth and address?\n\nAmazing. Thank you so much for that. How have you been going? I know we we miss each other when you got back from overseas. Was your trip good?\n\nNo. Totally fair. And I don't want to be trying to throw all this finance jargon at you while you're trying to sleep, so that's totally fair. Halima, I've got your email address for your Gmail account listed. Are you okay for me to send the pack through to that?\n\nPerfect. Will you be able to look onto the documents with me, or should I just walk you through them? Yep. No worries. That's okay.\n\nWhat I'll do to start with as well is we'll update a few details, and I'll go through a few ideas with you. And then there's only a couple of documents I wanted to walk you through as well. K. Can you hear me okay on the headphones? It's a little bit muffled, but I do have you.\n\nActually, I can make that out. That's fine. I'll just make sure everyone around me doesn't start making a party in the background, and I should be perfectly fine. Aleema, is there anything in particular you're hoping to get out of this annual review I get started? Yeah.\n\nJust a bit of a general update on how things are going. No worries. Now I've got a few details here in our system from your last review. So I was just gonna briefly start there and just see if there's been any significant changes and if the details on our system is accurate. Is that okay?\n\nCool. I've got you listed here as married to Christian with Emmanuel and Zachariah as your children. Perfect. We've got Gmail's fine. Phone number is fine.\n\nWe had you listed as a hairdresser earning 88,000 per year with balance. Alrighty. And putting aside maybe 300 a week on average in terms of savings, how are you going with all the cost of living? Let me do I still have you there? If you can hear me, I've just had the sound cut out for a moment.\n\nThat's okay. I do the same thing every time when I touch it on my ear, it just hits the mute or hang up button. That's okay. I was just checking in terms of savings and cost of living with you. Yeah.\n\nI get you. Oh, it's gonna drop, is it? So it switches around a little bit every now and then. Oh, and they don't pay super, or they do pay super? Okay.\n\nSo what I'll do is would you say your overall income for the year is about 88,000, or is that just from your main role? Okay. And then would you have a little bit of an estimate on what you would earn for the year from the other contract job even if it's a thousand dollars, 5, 10 on top of that? Yep. Okay.\n\nK. So I'm gonna put in there an estimated annual income of 91,000, and then I'll trim it down for the super guarantee component from the contribution. Is that okay? Not really. It's it's gonna obviously, bit of percentage on a couple of grand.\n\nDoesn't impact it too much, but I just wanna have that there for disclosure purposes. That's all. Okay. In terms of assets and liabilities, do you have a bit of an update on just savings or rainy day fund that I can note down for your assets? Yeah.\n\nWhether it's a couple of grand, 5,010, don't have a million dollars under the mattress. 4 and a half, did you say? Yep. Perfect. In terms of your main residence, are you still owing about 670,000 on the mortgage?\n\n631353. Fantastic. And 1,500,000 for the value, would that be pretty close, or would you reckon it's jumped up a lot the last twelve months? K. I might even just quickly check the online.\n\nLet's have a quick look. I'm just gonna put in your address for a moment because I found that the online estimates are pretty good. I know that everything's changing at the moment, but it gives us a good estimation. Yeah. Here we go.\n\nI think it's saying even 1.7 is a medium a high confidence middle range. So I might put that in there. K. And then just the motor vehicle was the only other asset that we've got with no car loan. Perfect.\n\nAny other loans or shares or crypto or anything else? Yep. No. That's okay. I can work that out because the current share price as of today is $7.54.\n\nAnd if you have a 184 shares oh, sorry. I've miscalculated that. $7.54 and a 184 shares, $1,387. We just had a vehicle listed just in general for 12,000. There was no name of car or or make or model.\n\nOkay. Oh. Okay. So we've got a Toyota Hilux GR four. 2024 model.\n\nI'm gonna pop that in quickly. And they're valued at about 7 60 to 70,000. Should I just put in 60 5 in the middle? Yep. Oh, could you repeat that again?\n\nYou you were gonna put it up for sale? Oh, okay. Caravan up for sale. Okay. Perfect.\n\nDo you know just how much you're hoping to clear for that one? Yep. So realistically, 67. Wow. So we'll probably expect next year the nice big cash lump sum still sitting there.\n\nSo in terms of goals, do you have any plans for what to do with the cash once you sell it? Do you have any priorities? Is it going on the mortgage? Yep. To be put.\n\nYeah. Absolutely. And it's one of the things where it's like you just offset the mortgage. Do you invest it? Do you put it in your suburb?\n\nDo you do all kinds of different strategies with it? One of the things that I can sort of say up front is that the way things have changed recently with interest rates going up and the stock market going down, it's kind of squashed it together. Whereas back when I started in the industry and your interest rate was 2% and you could get 10% in investments, really good idea to invest and grow your wealth When you can offset your 6% mortgage and the stock market might get you 7%, it's a lot less attractive at the current environment. Probably, I would say the mortgage at the moment, and the reason why I say that is because it's a good holding pattern for the cash because you can access it if you need to. If the economy tanks, it offsets the mortgage.\n\nAnd then after the years elapsed, you can do things with it towards the end of financial year as well if we need to. Yep. And then in in addition to that, we just have to be careful because all the legislation's changing. So if I try to set you up with an investment account and they wipe out the CGT discount, then all of a sudden, that's less it. Yeah.\n\nThere's a lot of things moving at the moment that haven't passed. So I think should we have a bit of a catch up in you wouldn't just do, like, that annual review in twelve months to sort of go through a few other ideas and strategies then? Do you want me to pencil you in for six months before Christmas? Or well, no. Not yet.\n\nSo what I'm thinking, I'll go through the super and the insurance with you now. But just in terms of the cash proceeds from the caravan, it would be best to just yeah. Once it's done, once we've got a bit of an idea of the economy and legislation, we can revisit it. Perfect. No.\n\nI wouldn't cut it that short. You get much better service than that, Halima. Yeah. Yep. So let me walk you through that.\n\nI'm just gonna quickly double check these goals with you, and I'm gonna go into your performance report. Do you still have that email open as well? So one of the attachments at the bottom of the email, like a normal PDF attachments, you'll see a hub twenty four performance report as well. Now I've got you listed down where we're trying to retire around the age of 65, mortgage paid off, and about a pound sorry? Yes, please.\n\nIf you can open that one, I'll walk you through it. So we've got about eleven years until retirement to, I guess, grow the super for a while. And then as you're nearing retirement, I have to also consider when to reduce your risk level back down because your portfolio, and I'm gonna kind of break it down for you, you're in a balanced fund, which is a three out of five on the risk scale. We call that medium risk. Yep.\n\nAbsolutely. So the minimum time frame for that medium is seven years to make sure you can get those average returns that you need. Once you've got less than that to go, we need to start transitioning you into retirement where instead of 70% of your money being in growth assets like shares and property and gold, we then start to wind that back to 60%, 50%, 40% on your way into that pension phase. Does that make sense? K?\n\nSo in that report that you can see, the first page should be a nice big table with a whole bunch of different investments, and the second page is all of your portfolio mixed into one thing. Yeah? So what you can see on the second page is, like, it's one row. And what I can show you is on the right hand side of it, if you can make out the figures, it should say a 10.22% net return after fees. K?\n\nSo average for balanced risk is seven to 8%. So we've gone above that after fees, which is good. You've had quite a large jump up in your balance where you're sitting at just shy of 240,000 today. No. You're totally fine.\n\nSo you went from 208,000 to 240,000 in the last twelve months in terms of contributions and growth. Okay? So it's very good. And one of the the balancing acts that we have to do is that you're getting because it's percentage based returns, every 10% now is, like, $20,000 on top of your contributions. So we try and get as many of those out of it as we can until we have to reduce your risk level down.\n\nK. Yeah. Yep. So couple of ideas that I would like to do with you is so 60 a week goes in pretax as salary sacrifice, where if you tell your work, they're gonna take it out of your pay and tax you on what's left over. So because the super is 15% tax rate and you've got that bracket there, that sort of 32% bracket, you will save that 17% on every dollar that you put in.\n\nSo the way it would work is if you put in 60, it'll probably impact your pay by about 45 to 50 dollars. Correct. So what happens is if you put 60 in because of the tax differences on it, you're gonna get 45 less in your in your pay rather than 60 less because it's going in pretax, which is fabulous. Yeah. And that difference in the tax goes to help boost up the super quickly as well.\n\nYeah. So what I'll do is I'm gonna give you an updated statement of advice where I kind of update your plan and your projections for you so you've got that in writing. But I'll give you a bit of an idea now for where we're kind of headed. So you've got 240,000 now. If I work out your 88,000 income for the contributions, Chop off a bit of tax off of that.\n\nWe've got about 8,900 that goes in per year after tax and fees. Eleven years to go. And like I said, let's say seven to 8% return benchmark for balanced, you're kind of headed for that $65,700,000 mark. Now from there, if we add on that $60 of salary sacrifice, I'm gonna add that on to here, that bumps your contributions up to 12,000, and that gets you from $6.50 to 700,000 as a minimum and from 7 100 to $7.60 as a maximum. So for every $60 a week that you can put in, it's an extra $60,000 in the decade.\n\nAnd that'll probably give you an extra two years' worth of income for your retirement goal for every time you do that. Correct. We just gotta make sure we don't go over the cap, which is quite large. They've increased it to 32 and a half thousand, so you're not gonna get anywhere near kind of extra taxes and breaching caps. K?\n\nSo what I would like to do is just when I was talking about your investments before, overall returns are looking good. There is one investment option that's kind of concerning me a little bit at the moment, the Bennelong option, which has dropped a bit. So what I would like to do is just kind of switch that one out and update that one option at least, and I'll factor in the salary sacrifice so I can kind of show you here's your current situation. With your current contributions and investments, and this is what it might look like if you put a bit extra in and update your portfolio. K?\n\nSo I will do the research of that in the background, and then the team will kind of as soon as I get back from I'm going on paternity leave in a couple of weeks for my third job. Thank you. So I've got two boys and a girl on the way, and that's really exciting. They're really keen to have a sister, and we're keen to have a daughter. And so for everybody, I'm pretty much just getting my team to build and research everything.\n\nSo as soon as I get back, they can book you in. We can go through the updated plan together. Sounds good. Alright. I do have one question for you.\n\nThis is not you can't answer this question wrong. It's really just about your gut feeling here. With the investments, I can pick anything across Hub because they've got the most investment options in the country. And to whittle that debt, they've got 1,300, so I need to kind of shortlist that a little bit. We can choose between low fee passive investments, which have the lowest fees, but they just follow the market up and down, or higher fee active investments where they try and pick and choose stocks and properties and things to try and get a higher return.\n\nDo you have a preference between the two? Where are you leaning? Perfect. So what I would say there is that most of the time, the passive side is a bit more traditional, a little bit more low risk because you eliminate a fund manager making a misstep in buying the wrong things. They're just buying all the big companies, and it's a bit more bit more middle of the road for that option.\n\nCool. So I'll put that together. I have a few options in mind that I'll compare for you, and I can put that in there with the extra contributions. Now while I've got you here, we updated the beneficiaries on your let me just double check here. I did see it before.\n\nYes. That's right. So I'm having a look through the file notes, and we have Clearview has updated no. Wait. We've got the Clearview has paid premiums.\n\nThat's all good. Okay. So what I can currently see listed is Christian and Zachariah on hub. That's a 50% split between spouse and child. That's it.\n\nOkay. So is it supposed to be I'm gonna double check because it's still processing. Is it supposed to be the oh, can you say that one more time for me? That's the 1502525? Alright.\n\nAnd I'll make sure so that's what you wanted on both the super and the life insurance. Is that correct? Yep. And, again, you can split it because life insurance can go to anybody. You can go to charity.\n\nYou can go to partners and children. Super. It's like, who's your spouse? Who's your dependents? K.\n\nSo I'll go spouse, child, child. I'll make sure that's across both. Now with your insurance policy, I need I need to show you this one. Can you still see the attachments on the email that I sent you? So on the bottom, there is a ClearView certificate of currency.\n\nIt's a lovely pinky purple certificate. Yep. So premiums are jumping up every single year, and they jumped up again in March. And we're clearing $7,000 a year coming out of the super. So I'm glad that the super has grown well even with all the fees coming out, but it's it's one of those things where next year, that'll probably be 9,000.\n\nAnd the year after that, it could be 11,000. And Yep. Uh-huh. I see. Yep.\n\nOkay. Yeah. Yeah. Gotcha. K.\n\nI'm noting this down. Can I have a look into this for you? Because what I would like to do is if there's any loadings on the policy, which is an increase due to the the fatty liver kind of thing, I can either get that review with Clearview or potentially look at another provider and see who's gonna get you the best deal. Outside of that, I think you were still listed as possibly having smokers' rates as well, which it's one of those ones where anytime you get that tag, they double the price, and that's the bigger hit as well. And it could be a combination of multiple factors here.\n\nYeah. And the space out to twelve months is really good. And if that's all it is kinda thing, I'm happy to go do a few anonymous phone calls to Clearview and other insurers to see if I can see a better deal for you. Uh-huh. Yep.\n\nOkay. No. No. And, like, this is such a risk. She's about to explode.\n\nYeah. Everybody takes an antihistamine and a Panadol. Yep. Which is what what's what they want to do is, like, go to the doctors, get things checked, be preventative, and not waiting until you've got the main issue. So, look, I can never promise any outcomes with it, Halima, but I am more than happy to go to bat and hunt around.\n\nAnd if I can improve things, I will. The cover amount, 512,000, which obviously pays the majority of the mortgage up, but your super kind of finishes off the last little bit, is that okay? Is that too little? Is that too much? It is because they do this indexation where they don't just increase your price.\n\nThey slightly increase your cover amount, which is it's actually a cool way to get slightly more cover every year with the cost of living for cheaper, but it does impact things as well. So it was probably around figure to start with, and they bumped it up slightly. So I'll do the cover amounts as they are, and I'll see if I can get any reviews on Clearview or a different provider. Am I able to tell them that you're twelve months nicotine free by any chance? Yep.\n\nBecause one of the things is, like, that that it on in and of itself, that'll be $3,000 safe. So we can do a declaration of nonsmoker's rates to Cleave you if you like. If, you know, Christmas party didn't happen last year, because I know you put the policy in force in 2025, and and if that's part of the the health management, that's possible. And also with the the next provider as well. Just be careful, though, if there's anything where your doctor's like, yep.\n\nLook. You're you're still a smoker, yada yada yada. They it all links together. All the data links together. Yeah.\n\nSo do you want me to try and find some quotes for a nonsmoker, or should I leave that there for just this last one more year? Yep. K. So let's say there's a thirty five to 40% chance that I can get some loadings reviewed or another provider for the current health. Best case scenario is we get the smokers' rates ticked off next year as well.\n\nSo I'm gonna kind of split it up a little bit where there's two attempts to try and get your premiums down. Sound good? Alrighty. Now, Halima, I have gone through quite a few things so far in terms of the super, the portfolio update, the contributions, and the insurance premiums. Do you have any questions for me so far?\n\nPerfect. The last question I had was in terms of the estate planning, I know the beneficiaries are all getting fixed up, but I had a note I was trying to cross reference my data in the new system. It says that you've got a power of attorney in place, but maybe not a will. K. Do you actually have a power of attorney in place?\n\nSo if you're in hospital and you can't act, someone's gonna look after the banks and talk to the doctors. Do you have that in place? It's kinda like, yeah, when you put a will in place and you get it all signed off with a JP and a lawyer and all that kind of Can I give you a bit of helpful direction here? There's three main options that like, obviously, there's solicitors everywhere, in every city, in every town, and you can go talk to a lawyer. How long's a piece of string?\n\nThey can sort everything out. That's fair enough. The second option is the public trustee of every state. So for you, New South Wales also offers appointments to do wills and powers of attorney as well. Yeah.\n\nI apologize. That's probably my fault because I've sent every single person in New South Wales to them to look for a will. Cool. The only other option too that some people do is for simple circumstances where it's just like a a home and some savings and a car is you can do government approved will kits and power of attorney kits from the post office that are, like, $25 each as long as you get them all certified. Yeah.\n\nSo three options there for you. I'll put a note in the file, and when I do that updated device that that's the suggestion. And, hopefully, the the wait list isn't too long there. Yeah. So it's the public trustee.\n\nSo if you like I'm googling it now. I go New South Wales public trustee, and it comes up with New South Wales government website for the trustee and guardian. Yeah. Public trustee. It's the the the horrible group that everyone hates when they die without a will, and it goes through the public government system.\n\nBut then if you actually go to them prior, they can actually set the wills up. So it's like, I like them for that. It's painful on the other side of things, but they're good for that. Perfect. Perfect.\n\nAny questions on that for me before I let you go? Cool. In that document that I've sent you, so we've included, like, financial services guide updated with our licensing details. And inside the signable link button on the email is an updated service agreement up the top with the signed documents. So what happens with our new system is if you hit that, it'll open up into the Odoo it's like a DocuSign, and it'll allow you to scroll through the document to look at it first.\n\nAnd then if you're happy with the fees, you know, the usual, like, 1.65% split between the monthly payments and the 15% rebate, we always estimate our fee with a bit of growth on top of it because your super fluctuates. When you're happy with that, it'll click on you can click on the purple buttons, and it'll pull you to the signature spot and the date spot, and it'll stamp it on there with your name. Yes, please. Now if you prefer, you can actually click on that signature and draw it so it matches your license, or if you're happy with it just to be stamped by the digital signature. Yeah.\n\nThat's fine for us. Sometimes with some providers, like some insurers, they require it a bit more drawn. But for Oakview documents, we're okay for it to link in with our system. Yes. Yep.\n\nIt's definitely better, but it can be a bit painful to try and draw on a phone and things like that. Perfect. So sign all will stamp it across the whole thing. So if you wanna just keep going, like, next, next, next, it'll pull you down. Whatever you're more comfortable doing.\n\nYep. And then once it's all signed, the bottom will have, like, a validate button that will send it to us, and it'll give you a pop up to download a signed copy for your records. Yep. If you have any one, we can provide you a copy anytime, but it just gives you that prompt to download it straight away. Perfect.\n\nNow, Aleema, do you have any questions for me at the moment from the annual review? Yeah. And it's actually really like, I'm very impressed because a lot of people have been losing a lot of money in super lately, really negative returns. For you still to be up 10% after fees, that's really good. I'll optimize things and give it a bit of an engine tune up as well to keep it going.\n\nOh, look. The the way the world goes, you know what it's like every couple of years, something blows up. But we play the law of long term averages. And like I said, you've got eleven years. I need to make a couple of good decisions with you to average out over that decade to, a, grow the super, and then, b, protect it once it's built.\n\nOkay? Are you okay for the team to kind of reach out over the next couple of weeks if they need any more information for the insurance? Research. Perfect. Because that will be they're gonna be going full throttle into every option under the sun there.\n\nThey may need to clarify a couple of things while I'm away, and then we'll get you booked. Yeah. So at least it's enforced. And the good thing too is if we do do any alterations with Clearview or switch to another provider, they do do pro rata refunds as well. So if it's only a a month into the year and you've paid for a year, they'll give you eleven months back or whatever it is.\n\nCorrect. Alrighty. Well, thank you so much for your time today. I'm glad we we caught each other and and got it sorted, and I've got a few ideas to to improve things. So thank you.\n\nPerfect. Look. It's been a pleasure. I'll get the team to send out the usual feedback text message if you're okay to give us a bit of feedback and a review. But outside of that, as soon as I'm back in the office, you'll get a call to either go through the research, update, or book in for me straightaway to go through the plan.\n\nAlrighty, Halima. Have a fantastic week, and I look forward to talking to you again soon. Oh, I absolutely will. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Halima.","start":2.72,"end":3.84,"sentiment":"neutral","sentiment_score":0.24712637066841125},{"text":"It's Tommy here from Oakview Financial.","start":3.84,"end":5.44,"sentiment":"neutral","sentiment_score":0.1338488794863224},{"text":"How are you doing?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.18838784471154213},{"text":"I'm doing absolutely fantastic.","start":7.52,"end":9.139999,"sentiment":"positive","sentiment_score":0.7282057851552963},{"text":"I'm not sure whether we had it scheduled for three or 04:00, so I just wanted to double check with you if you still had some time for me.","start":9.44,"end":16.625,"sentiment":"neutral","sentiment_score":-0.014497789136808494}],"sentiment":"neutral","sentiment_score":0.10413937007441469,"num_words":46,"start":2.72,"end":16.625},{"sentences":[{"text":"Perfect.","start":18.765,"end":19.265,"sentiment":"positive","sentiment_score":0.4849550724029541},{"text":"Before I jump into it, I will send you out a bit of an email review pack and just quickly check security with you if that's okay.","start":19.645,"end":27.585,"sentiment":"neutral","sentiment_score":0.11322702922754818},{"text":"Sensational.","start":28.880001,"end":29.380001,"sentiment":"neutral","sentiment_score":0.10305523872375488},{"text":"So I'm registered with ASIC as adviser one two seven three one zero five.","start":29.68,"end":34.34,"sentiment":"neutral","sentiment_score":0.04027393500187567},{"text":"Could you please confirm your date of birth and address?","start":34.4,"end":36.9,"sentiment":"neutral","sentiment_score":0.022735626623034477}],"sentiment":"neutral","sentiment_score":0.08370436710428517,"num_words":53,"start":18.765,"end":36.9},{"sentences":[{"text":"Amazing.","start":45.855003,"end":46.355003,"sentiment":"positive","sentiment_score":0.4936856031417846},{"text":"Thank you so much for that.","start":46.415,"end":47.855003,"sentiment":"positive","sentiment_score":0.6614903807640076},{"text":"How have you been going?","start":47.855003,"end":48.895,"sentiment":"positive","sentiment_score":0.3480058670043945},{"text":"I know we we miss each other when you got back from overseas.","start":48.895,"end":51.375,"sentiment":"neutral","sentiment_score":0.06015548883722378},{"text":"Was your trip good?","start":51.375,"end":52.435,"sentiment":"neutral","sentiment_score":0.16195240058004856}],"sentiment":"neutral","sentiment_score":0.2631892475845485,"num_words":29,"start":45.855003,"end":52.435},{"sentences":[{"text":"No.","start":56.359997,"end":56.68,"sentiment":"neutral","sentiment_score":-0.05023132637143135},{"text":"Totally fair.","start":56.68,"end":57.32,"sentiment":"neutral","sentiment_score":-0.04027918726205826},{"text":"And I don't want to be trying to throw all this finance jargon at you while you're trying to sleep, so that's totally fair.","start":57.32,"end":63.739998,"sentiment":"neutral","sentiment_score":-0.09246988734230399},{"text":"Halima, I've got your email address for your Gmail account listed.","start":65.575005,"end":69.255005,"sentiment":"neutral","sentiment_score":0.038711620664054695},{"text":"Are you okay for me to send the pack through to that?","start":69.255005,"end":71.595,"sentiment":"neutral","sentiment_score":0.026841767132282257}],"sentiment":"neutral","sentiment_score":-0.032042759284377095,"num_words":50,"start":56.359997,"end":71.595},{"sentences":[{"text":"Perfect.","start":73.255005,"end":73.735,"sentiment":"neutral","sentiment_score":0.20025181770324707},{"text":"Will you be able to look onto the documents with me, or should I just walk you through them?","start":73.735,"end":77.28,"sentiment":"neutral","sentiment_score":0.08650324532860204},{"text":"Yep.","start":86.24,"end":86.74,"sentiment":"neutral","sentiment_score":0.10902699828147888},{"text":"No worries.","start":88.64,"end":89.54,"sentiment":"neutral","sentiment_score":0.05145960673689842},{"text":"That's okay.","start":94.965004,"end":95.845,"sentiment":"neutral","sentiment_score":0.03947950899600983}],"sentiment":"neutral","sentiment_score":0.08538874834775925,"num_words":25,"start":73.255005,"end":95.845},{"sentences":[{"text":"What I'll do to start with as well is we'll update a few details, and I'll go through a few ideas with you.","start":95.845,"end":101.365005,"sentiment":"neutral","sentiment_score":0.06069442143906718},{"text":"And then there's only a couple of documents I wanted to walk you through as well.","start":101.365005,"end":104.7,"sentiment":"neutral","sentiment_score":0.046943209250457585},{"text":"K.","start":107.34,"end":107.84,"sentiment":"neutral","sentiment_score":0.01772291027009487},{"text":"Can you hear me okay on the headphones?","start":108.53999,"end":111.2,"sentiment":"neutral","sentiment_score":0.019438130781054497},{"text":"It's a little bit muffled, but I do have you.","start":114.86,"end":117.255,"sentiment":"neutral","sentiment_score":-0.21582728177309035}],"sentiment":"neutral","sentiment_score":0.0027934168947154076,"num_words":58,"start":95.845,"end":117.255},{"sentences":[{"text":"Actually, I can make that out.","start":119.814995,"end":120.935,"sentiment":"neutral","sentiment_score":-0.06850073486566544},{"text":"That's fine.","start":120.935,"end":121.41499,"sentiment":"neutral","sentiment_score":0.32660314440727234},{"text":"I'll just make sure everyone around me doesn't start making a party in the background, and I should be perfectly fine.","start":121.41499,"end":126.634995,"sentiment":"neutral","sentiment_score":0.23885988798879443},{"text":"Aleema, is there anything in particular you're hoping to get out of this annual review I get started?","start":129.255,"end":133.92,"sentiment":"neutral","sentiment_score":0.10817284633715947},{"text":"Yeah.","start":145.515,"end":145.595,"sentiment":"neutral","sentiment_score":0.062321737408638}],"sentiment":"neutral","sentiment_score":0.1514102603929738,"num_words":48,"start":119.814995,"end":145.595},{"sentences":[{"text":"Just a bit of a general update on how things are going.","start":145.595,"end":148.49501,"sentiment":"neutral","sentiment_score":0.12153295055031776},{"text":"No worries.","start":150.315,"end":151.13501,"sentiment":"neutral","sentiment_score":0.20978685468435287},{"text":"Now I've got a few details here in our system from your last review.","start":151.515,"end":156.235,"sentiment":"neutral","sentiment_score":0.19533726147242955},{"text":"So I was just gonna briefly start there and just see if there's been any significant changes and if the details on our system is accurate.","start":156.235,"end":162.56001,"sentiment":"neutral","sentiment_score":0.1632111814732735},{"text":"Is that okay?","start":162.56001,"end":163.38,"sentiment":"neutral","sentiment_score":0.1525057852268219}],"sentiment":"neutral","sentiment_score":0.1633982254486335,"num_words":57,"start":145.595,"end":163.38},{"sentences":[{"text":"Cool.","start":165.12001,"end":165.62001,"sentiment":"positive","sentiment_score":0.34371545910835266},{"text":"I've got you listed here as married to Christian with Emmanuel and Zachariah as your children.","start":165.92001,"end":173.06001,"sentiment":"neutral","sentiment_score":0.23865547869354486},{"text":"Perfect.","start":174.935,"end":175.435,"sentiment":"positive","sentiment_score":0.5359776616096497},{"text":"We've got Gmail's fine.","start":177.41501,"end":180.13501,"sentiment":"neutral","sentiment_score":0.2279055304825306},{"text":"Phone number is fine.","start":180.13501,"end":181.595,"sentiment":"neutral","sentiment_score":0.17241071164608002}],"sentiment":"neutral","sentiment_score":0.24228637493573701,"num_words":26,"start":165.12001,"end":181.595},{"sentences":[{"text":"We had you listed as a hairdresser earning 88,000 per year with balance.","start":182.13501,"end":186.795,"sentiment":"neutral","sentiment_score":0.14235577044578698},{"text":"Alrighty.","start":189.56001,"end":190.06001,"sentiment":"neutral","sentiment_score":0.17033734917640686},{"text":"And putting aside maybe 300 a week on average in terms of savings, how are you going with all the cost of living?","start":190.12001,"end":196.38,"sentiment":"neutral","sentiment_score":0.11790818267542383},{"text":"Let me do I still have you there?","start":204.77501,"end":206.475,"sentiment":"neutral","sentiment_score":0.013051928486675024},{"text":"If you can hear me, I've just had the sound cut out for a moment.","start":208.455,"end":211.27501,"sentiment":"neutral","sentiment_score":-0.06628889416654905}],"sentiment":"neutral","sentiment_score":0.06404887636502583,"num_words":60,"start":182.13501,"end":211.27501},{"sentences":[{"text":"That's okay.","start":214.47,"end":215.29001,"sentiment":"neutral","sentiment_score":-0.06300722807645798},{"text":"I do the same thing every time when I touch it on my ear, it just hits the mute or hang up button.","start":215.59001,"end":219.61,"sentiment":"neutral","sentiment_score":-0.08066664538953615},{"text":"That's okay.","start":225.50499,"end":226.325,"sentiment":"neutral","sentiment_score":0.09960436820983887},{"text":"I was just checking in terms of savings and cost of living with you.","start":226.70499,"end":230.08499,"sentiment":"neutral","sentiment_score":0.11021333666784423},{"text":"Yeah.","start":248.095,"end":248.595,"sentiment":"neutral","sentiment_score":-0.05262395367026329}],"sentiment":"neutral","sentiment_score":-0.006947042952690806,"num_words":42,"start":214.47,"end":248.595},{"sentences":[{"text":"I get you.","start":250.41501,"end":251.315,"sentiment":"neutral","sentiment_score":0.016315871228774387},{"text":"Oh, it's gonna drop, is it?","start":259.535,"end":261.03,"sentiment":"negative","sentiment_score":-0.42323588331540424},{"text":"So it switches around a little bit every now and then.","start":270.07,"end":272.57,"sentiment":"neutral","sentiment_score":-0.021522202613678845},{"text":"Oh, and they don't pay super, or they do pay super?","start":284.565,"end":288.22,"sentiment":"neutral","sentiment_score":-0.12029988013885239},{"text":"Okay.","start":297.815,"end":298.215,"sentiment":"neutral","sentiment_score":0.06111016869544983}],"sentiment":"neutral","sentiment_score":-0.1246687633683905,"num_words":32,"start":250.41501,"end":298.215},{"sentences":[{"text":"So what I'll do is would you say your overall income for the year is about 88,000, or is that just from your main role?","start":298.215,"end":305.355,"sentiment":"neutral","sentiment_score":0.10164312705397606},{"text":"Okay.","start":317.03,"end":317.43,"sentiment":"neutral","sentiment_score":0.1650599241256714},{"text":"And then would you have a little bit of an estimate on what you would earn for the year from the other contract job even if it's a thousand dollars, 5, 10 on top of that?","start":317.43,"end":327.275,"sentiment":"neutral","sentiment_score":0.1302779232048326},{"text":"Yep.","start":338.55,"end":339.05,"sentiment":"neutral","sentiment_score":0.03312835469841957},{"text":"Okay.","start":339.11,"end":339.61,"sentiment":"neutral","sentiment_score":0.03370256721973419}],"sentiment":"neutral","sentiment_score":0.11660897277761251,"num_words":64,"start":298.215,"end":339.61},{"sentences":[{"text":"K.","start":347.125,"end":347.36502,"sentiment":"neutral","sentiment_score":-0.08317268639802933},{"text":"So I'm gonna put in there an estimated annual income of 91,000, and then I'll trim it down for the super guarantee component from the contribution.","start":347.36502,"end":358.585,"sentiment":"neutral","sentiment_score":0.13483341267475715},{"text":"Is that okay?","start":358.885,"end":359.70502,"sentiment":"neutral","sentiment_score":0.15356611708799997},{"text":"Not really.","start":363.96,"end":364.6,"sentiment":"neutral","sentiment_score":-0.08044121414422989},{"text":"It's it's gonna obviously, bit of percentage on a couple of grand.","start":364.6,"end":368.62,"sentiment":"neutral","sentiment_score":-0.039091471039379634}],"sentiment":"neutral","sentiment_score":0.07393668894656003,"num_words":44,"start":347.125,"end":368.62},{"sentences":[{"text":"Doesn't impact it too much, but I just wanna have that there for disclosure purposes.","start":368.68,"end":373.72,"sentiment":"neutral","sentiment_score":-0.014575085043907166},{"text":"That's all.","start":373.72,"end":374.415,"sentiment":"neutral","sentiment_score":0.03514190576970577},{"text":"Okay.","start":375.935,"end":376.435,"sentiment":"neutral","sentiment_score":0.04794614017009735},{"text":"In terms of assets and liabilities, do you have a bit of an update on just savings or rainy day fund that I can note down for your assets?","start":376.73502,"end":383.555,"sentiment":"neutral","sentiment_score":0.05135675731660991},{"text":"Yeah.","start":391.47,"end":391.78998,"sentiment":"neutral","sentiment_score":0.01756373979151249}],"sentiment":"neutral","sentiment_score":0.029302362042168777,"num_words":48,"start":368.68,"end":391.78998},{"sentences":[{"text":"Whether it's a couple of grand, 5,010, don't have a million dollars under the mattress.","start":391.78998,"end":396.13,"sentiment":"neutral","sentiment_score":-0.05511743544290463},{"text":"4 and a half, did you say?","start":403.245,"end":404.70502,"sentiment":"neutral","sentiment_score":-0.04404166088040386},{"text":"Yep.","start":405.565,"end":406.065,"sentiment":"neutral","sentiment_score":0.0739561915397644},{"text":"Perfect.","start":406.125,"end":406.625,"sentiment":"positive","sentiment_score":0.4014737010002136},{"text":"In terms of your main residence, are you still owing about 670,000 on the mortgage?","start":407.64502,"end":413.105,"sentiment":"neutral","sentiment_score":0.08511019597450892}],"sentiment":"neutral","sentiment_score":0.015821273701313216,"num_words":39,"start":391.78998,"end":413.105},{"sentences":[{"text":"631353.","start":427.885,"end":430.945,"sentiment":"neutral","sentiment_score":0.019429391250014305},{"text":"Fantastic.","start":432.52502,"end":433.02502,"sentiment":"positive","sentiment_score":0.5731686353683472},{"text":"And 1,500,000 for the value, would that be pretty close, or would you reckon it's jumped up a lot the last twelve months?","start":433.48502,"end":439.56,"sentiment":"neutral","sentiment_score":0.2258728434858115},{"text":"K.","start":442.76,"end":443.0,"sentiment":"neutral","sentiment_score":0.012242287397384644},{"text":"I might even just quickly check the online.","start":443.0,"end":445.18,"sentiment":"neutral","sentiment_score":-0.08841318637132645}],"sentiment":"neutral","sentiment_score":0.1497826536240823,"num_words":34,"start":427.885,"end":445.18},{"sentences":[{"text":"Let's have a quick look.","start":447.32,"end":448.36,"sentiment":"neutral","sentiment_score":0.08998613357543946},{"text":"I'm just gonna put in your address for a moment because I found that the online estimates are pretty good.","start":448.36,"end":453.835,"sentiment":"neutral","sentiment_score":0.24390322994440794},{"text":"I know that everything's changing at the moment, but it gives us a good estimation.","start":453.835,"end":458.175,"sentiment":"neutral","sentiment_score":0.2931781421105067},{"text":"Yeah.","start":459.595,"end":459.915,"sentiment":"neutral","sentiment_score":0.26490384340286255},{"text":"Here we go.","start":459.915,"end":460.475,"sentiment":"neutral","sentiment_score":0.24564923842748007}],"sentiment":"neutral","sentiment_score":0.24380724902518772,"num_words":44,"start":447.32,"end":460.475},{"sentences":[{"text":"I think it's saying even 1.7 is a medium a high confidence middle range.","start":460.475,"end":467.695,"sentiment":"neutral","sentiment_score":0.3081704420702798},{"text":"So I might put that in there.","start":469.91,"end":471.61002,"sentiment":"neutral","sentiment_score":0.23096467128821782},{"text":"K.","start":473.27,"end":473.77,"sentiment":"neutral","sentiment_score":0.09459035098552704},{"text":"And then just the motor vehicle was the only other asset that we've got with no car loan.","start":474.15,"end":478.01,"sentiment":"neutral","sentiment_score":0.1645587364004718},{"text":"Perfect.","start":480.485,"end":480.985,"sentiment":"positive","sentiment_score":0.4966873526573181}],"sentiment":"neutral","sentiment_score":0.2313286304110434,"num_words":41,"start":460.475,"end":480.985},{"sentences":[{"text":"Any other loans or shares or crypto or anything else?","start":481.365,"end":484.745,"sentiment":"neutral","sentiment_score":0.17861055270768703},{"text":"Yep.","start":500.98,"end":501.38,"sentiment":"neutral","sentiment_score":0.03930386155843735},{"text":"No.","start":501.38,"end":501.62,"sentiment":"neutral","sentiment_score":-0.01186233013868332},{"text":"That's okay.","start":501.62,"end":502.1,"sentiment":"neutral","sentiment_score":0.1635853499174118},{"text":"I can work that out because the current share price as of today is $7.54.","start":502.1,"end":508.48502,"sentiment":"neutral","sentiment_score":0.14876302232344946}],"sentiment":"neutral","sentiment_score":0.15076424459252377,"num_words":29,"start":481.365,"end":508.48502},{"sentences":[{"text":"And if you have a 184 shares oh, sorry.","start":508.48502,"end":512.485,"sentiment":"neutral","sentiment_score":-0.00820505867401759},{"text":"I've miscalculated that.","start":512.485,"end":514.085,"sentiment":"neutral","sentiment_score":-0.05210682998100916},{"text":"$7.54 and a 184 shares, $1,387.","start":514.085,"end":519.78503,"sentiment":"neutral","sentiment_score":0.002631250380848845},{"text":"We just had a vehicle listed just in general for 12,000.","start":523.9,"end":526.7,"sentiment":"neutral","sentiment_score":-0.033973729237914085},{"text":"There was no name of car or or make or model.","start":526.7,"end":529.36005,"sentiment":"neutral","sentiment_score":-0.09278939325701106}],"sentiment":"neutral","sentiment_score":-0.040219321579206734,"num_words":40,"start":508.48502,"end":529.36005},{"sentences":[{"text":"Okay.","start":533.355,"end":533.855,"sentiment":"neutral","sentiment_score":0.03670264035463333},{"text":"Oh.","start":542.39496,"end":542.89496,"sentiment":"neutral","sentiment_score":0.03778701648116112},{"text":"Okay.","start":544.57,"end":544.97,"sentiment":"neutral","sentiment_score":0.03713216260075569},{"text":"So we've got a Toyota Hilux GR four.","start":544.97,"end":551.79,"sentiment":"neutral","sentiment_score":0.038710343185812235},{"text":"2024 model.","start":553.13,"end":554.51,"sentiment":"neutral","sentiment_score":0.0424584299325943}],"sentiment":"neutral","sentiment_score":0.03894010959909512,"num_words":13,"start":533.355,"end":554.51},{"sentences":[{"text":"I'm gonna pop that in quickly.","start":556.105,"end":558.28503,"sentiment":"neutral","sentiment_score":0.1261426384250323},{"text":"And they're valued at about 7 60 to 70,000.","start":561.065,"end":565.005,"sentiment":"neutral","sentiment_score":0.04563066321942541},{"text":"Should I just put in 60 5 in the middle?","start":568.2,"end":570.54004,"sentiment":"neutral","sentiment_score":-0.0068213967606425285},{"text":"Yep.","start":576.44,"end":576.94,"sentiment":"neutral","sentiment_score":0.10464760661125184},{"text":"Oh, could you repeat that again?","start":591.65497,"end":592.855,"sentiment":"neutral","sentiment_score":0.035743831346432366}],"sentiment":"neutral","sentiment_score":0.04432588833151385,"num_words":32,"start":556.105,"end":592.855},{"sentences":[{"text":"You you were gonna put it up for sale?","start":592.855,"end":594.63495,"sentiment":"neutral","sentiment_score":0.01965760625898838},{"text":"Oh, okay.","start":604.61,"end":605.51,"sentiment":"neutral","sentiment_score":0.05451194941997528},{"text":"Caravan up for sale.","start":606.37,"end":607.75,"sentiment":"neutral","sentiment_score":0.0593690350651741},{"text":"Okay.","start":615.205,"end":615.525,"sentiment":"neutral","sentiment_score":-0.02850153297185898},{"text":"Perfect.","start":615.525,"end":615.92505,"sentiment":"neutral","sentiment_score":0.04040522873401642}],"sentiment":"neutral","sentiment_score":0.031489540658452934,"num_words":17,"start":592.855,"end":615.92505},{"sentences":[{"text":"Do you know just how much you're hoping to clear for that one?","start":615.92505,"end":618.905,"sentiment":"neutral","sentiment_score":0.009422475758653421},{"text":"Yep.","start":629.45996,"end":629.94,"sentiment":"neutral","sentiment_score":0.0944155752658844},{"text":"So realistically, 67.","start":629.94,"end":632.51996,"sentiment":"neutral","sentiment_score":0.08054572343826294},{"text":"Wow.","start":637.745,"end":637.985,"sentiment":"positive","sentiment_score":0.35384050011634827},{"text":"So we'll probably expect next year the nice big cash lump sum still sitting there.","start":637.985,"end":643.125,"sentiment":"positive","sentiment_score":0.4026997685432434}],"sentiment":"neutral","sentiment_score":0.20766308965782324,"num_words":33,"start":615.92505,"end":643.125},{"sentences":[{"text":"So in terms of goals, do you have any plans for what to do with the cash once you sell it?","start":644.14496,"end":651.63,"sentiment":"neutral","sentiment_score":0.08435278545532908},{"text":"Do you have any priorities?","start":651.63,"end":652.67004,"sentiment":"neutral","sentiment_score":0.045508579909801485},{"text":"Is it going on the mortgage?","start":652.67004,"end":653.97003,"sentiment":"neutral","sentiment_score":0.006687105322877566},{"text":"Yep.","start":657.72504,"end":657.7784,"sentiment":"neutral","sentiment_score":0.10667429864406586},{"text":"To be put.","start":657.7784,"end":658.385,"sentiment":"neutral","sentiment_score":0.06582817435264587}],"sentiment":"neutral","sentiment_score":0.06508980132639408,"num_words":36,"start":644.14496,"end":658.385},{"sentences":[{"text":"Yeah.","start":667.325,"end":667.825,"sentiment":"neutral","sentiment_score":0.11430025845766068},{"text":"Absolutely.","start":669.98,"end":670.48,"sentiment":"neutral","sentiment_score":0.2401792109012604},{"text":"And it's one of the things where it's like you just offset the mortgage.","start":670.54,"end":673.42,"sentiment":"neutral","sentiment_score":0.1235528684088162},{"text":"Do you invest it?","start":673.42,"end":674.06,"sentiment":"neutral","sentiment_score":0.058470357209444046},{"text":"Do you put it in your suburb?","start":674.06,"end":675.1,"sentiment":"neutral","sentiment_score":0.03886122362954276}],"sentiment":"neutral","sentiment_score":0.09593072671581197,"num_words":27,"start":667.325,"end":675.1},{"sentences":[{"text":"Do you do all kinds of different strategies with it?","start":675.1,"end":678.3,"sentiment":"neutral","sentiment_score":0.0389758599922061},{"text":"One of the things that I can sort of say up front is that the way things have changed recently with interest rates going up and the stock market going down, it's kind of squashed it together.","start":678.3,"end":689.205,"sentiment":"neutral","sentiment_score":-0.028662025223712664},{"text":"Whereas back when I started in the industry and your interest rate was 2% and you could get 10% in investments, really good idea to invest and grow your wealth When you can offset your 6% mortgage and the stock market might get you 7%, it's a lot less attractive at the current environment.","start":689.825,"end":706.55,"sentiment":"neutral","sentiment_score":-0.13650152225185325},{"text":"Probably, I would say the mortgage at the moment, and the reason why I say that is because it's a good holding pattern for the cash because you can access it if you need to.","start":711.57,"end":720.285,"sentiment":"neutral","sentiment_score":-0.005065867943423135},{"text":"If the economy tanks, it offsets the mortgage.","start":720.345,"end":723.785,"sentiment":"neutral","sentiment_score":-0.05008027981966734}],"sentiment":"neutral","sentiment_score":-0.05985948716342035,"num_words":144,"start":675.1,"end":723.785},{"sentences":[{"text":"And then after the years elapsed, you can do things with it towards the end of financial year as well if we need to.","start":723.785,"end":729.66,"sentiment":"neutral","sentiment_score":0.05377194580311576},{"text":"Yep.","start":731.89996,"end":732.13995,"sentiment":"neutral","sentiment_score":0.02659919485449791},{"text":"And then in in addition to that, we just have to be careful because all the legislation's changing.","start":732.13995,"end":736.8,"sentiment":"neutral","sentiment_score":-0.11295546963810921},{"text":"So if I try to set you up with an investment account and they wipe out the CGT discount, then all of a sudden, that's less it.","start":737.1,"end":744.23505,"sentiment":"neutral","sentiment_score":-0.2508753342209039},{"text":"Yeah.","start":744.23505,"end":744.47504,"sentiment":"neutral","sentiment_score":-0.12286897003650664}],"sentiment":"neutral","sentiment_score":-0.10721937399095213,"num_words":71,"start":723.785,"end":744.47504},{"sentences":[{"text":"There's a lot of things moving at the moment that haven't passed.","start":744.47504,"end":747.375,"sentiment":"neutral","sentiment_score":-0.22168133780360222},{"text":"So I think should we have a bit of a catch up in you wouldn't just do, like, that annual review in twelve months to sort of go through a few other ideas and strategies then?","start":750.075,"end":760.02,"sentiment":"neutral","sentiment_score":-0.03930615276719133},{"text":"Do you want me to pencil you in for six months before Christmas?","start":760.02,"end":762.76,"sentiment":"neutral","sentiment_score":-0.031244427395554688},{"text":"Or well, no.","start":762.82,"end":767.715,"sentiment":"neutral","sentiment_score":-0.07035395006338756},{"text":"Not yet.","start":767.715,"end":768.115,"sentiment":"neutral","sentiment_score":-0.13267787545919418}],"sentiment":"neutral","sentiment_score":-0.07511807137140722,"num_words":66,"start":744.47504,"end":768.115},{"sentences":[{"text":"So what I'm thinking, I'll go through the super and the insurance with you now.","start":768.115,"end":770.835,"sentiment":"neutral","sentiment_score":0.004762885719537735},{"text":"But just in terms of the cash proceeds from the caravan, it would be best to just yeah.","start":770.835,"end":777.235,"sentiment":"neutral","sentiment_score":0.03422811068594456},{"text":"Once it's done, once we've got a bit of an idea of the economy and legislation, we can revisit it.","start":777.235,"end":782.73,"sentiment":"neutral","sentiment_score":0.05547568518668413},{"text":"Perfect.","start":784.25,"end":784.64996,"sentiment":"positive","sentiment_score":0.5327562093734741},{"text":"No.","start":784.64996,"end":784.81,"sentiment":"neutral","sentiment_score":0.05810936540365219}],"sentiment":"neutral","sentiment_score":0.043416882848197766,"num_words":55,"start":768.115,"end":784.81},{"sentences":[{"text":"I wouldn't cut it that short.","start":784.81,"end":786.08997,"sentiment":"neutral","sentiment_score":-0.0558185800909996},{"text":"You get much better service than that, Halima.","start":786.08997,"end":788.11,"sentiment":"positive","sentiment_score":0.3587128669023514},{"text":"Yeah.","start":807.56,"end":807.8,"sentiment":"neutral","sentiment_score":0.08840367197990417},{"text":"Yep.","start":807.8,"end":808.12,"sentiment":"neutral","sentiment_score":0.14489269256591797},{"text":"So let me walk you through that.","start":808.12,"end":809.82,"sentiment":"neutral","sentiment_score":0.194441625050136}],"sentiment":"neutral","sentiment_score":0.17952953019867773,"num_words":23,"start":784.81,"end":809.82},{"sentences":[{"text":"I'm just gonna quickly double check these goals with you, and I'm gonna go into your performance report.","start":810.36,"end":814.78,"sentiment":"neutral","sentiment_score":0.17243754656778443},{"text":"Do you still have that email open as well?","start":814.92,"end":817.18,"sentiment":"neutral","sentiment_score":0.039798783138394356},{"text":"So one of the attachments at the bottom of the email, like a normal PDF attachments, you'll see a hub twenty four performance report as well.","start":819.08,"end":828.475,"sentiment":"neutral","sentiment_score":0.07988098464333095},{"text":"Now I've got you listed down where we're trying to retire around the age of 65, mortgage paid off, and about a pound sorry?","start":833.51,"end":842.97,"sentiment":"neutral","sentiment_score":0.025131767227624852},{"text":"Yes, please.","start":845.125,"end":845.60504,"sentiment":"neutral","sentiment_score":0.0835881382226944}],"sentiment":"neutral","sentiment_score":0.07986467312785643,"num_words":79,"start":810.36,"end":845.60504},{"sentences":[{"text":"If you can open that one, I'll walk you through it.","start":845.60504,"end":847.78503,"sentiment":"neutral","sentiment_score":0.10113644451749595},{"text":"So we've got about eleven years until retirement to, I guess, grow the super for a while.","start":848.325,"end":853.625,"sentiment":"neutral","sentiment_score":0.07838374003767967},{"text":"And then as you're nearing retirement, I have to also consider when to reduce your risk level back down because your portfolio, and I'm gonna kind of break it down for you, you're in a balanced fund, which is a three out of five on the risk scale.","start":853.685,"end":869.64,"sentiment":"neutral","sentiment_score":0.040546793839894235},{"text":"We call that medium risk.","start":869.64,"end":871.26,"sentiment":"neutral","sentiment_score":0.015454526618123054},{"text":"Yep.","start":873.925,"end":874.425,"sentiment":"neutral","sentiment_score":0.11493828147649764}],"sentiment":"neutral","sentiment_score":0.05589611572213471,"num_words":82,"start":845.60504,"end":874.425},{"sentences":[{"text":"Absolutely.","start":874.565,"end":875.065,"sentiment":"neutral","sentiment_score":0.2147521674633026},{"text":"So the minimum time frame for that medium is seven years to make sure you can get those average returns that you need.","start":875.445,"end":882.665,"sentiment":"neutral","sentiment_score":0.1439329335547012},{"text":"Once you've got less than that to go, we need to start transitioning you into retirement where instead of 70% of your money being in growth assets like shares and property and gold, we then start to wind that back to 60%, 50%, 40% on your way into that pension phase.","start":882.725,"end":903.355,"sentiment":"neutral","sentiment_score":0.040375418376688864},{"text":"Does that make sense?","start":903.355,"end":904.415,"sentiment":"neutral","sentiment_score":0.07529369182884693},{"text":"K?","start":905.675,"end":906.15497,"sentiment":"neutral","sentiment_score":0.04139178246259689}],"sentiment":"neutral","sentiment_score":0.07408653157763183,"num_words":80,"start":874.565,"end":906.15497},{"sentences":[{"text":"So in that report that you can see, the first page should be a nice big table with a whole bunch of different investments, and the second page is all of your portfolio mixed into one thing.","start":906.15497,"end":918.72,"sentiment":"neutral","sentiment_score":0.11863699273483173},{"text":"Yeah?","start":922.54,"end":923.04,"sentiment":"neutral","sentiment_score":0.025882411748170853},{"text":"So what you can see on the second page is, like, it's one row.","start":923.1,"end":926.48,"sentiment":"neutral","sentiment_score":0.052632484185908525},{"text":"And what I can show you is on the right hand side of it, if you can make out the figures, it should say a 10.22% net return after fees.","start":927.905,"end":936.965,"sentiment":"neutral","sentiment_score":0.1128483551243941},{"text":"K?","start":939.12,"end":939.36,"sentiment":"neutral","sentiment_score":0.05992068350315094}],"sentiment":"neutral","sentiment_score":0.1035864729972848,"num_words":83,"start":906.15497,"end":939.36},{"sentences":[{"text":"So average for balanced risk is seven to 8%.","start":939.36,"end":943.38,"sentiment":"neutral","sentiment_score":0.12716002762317657},{"text":"So we've gone above that after fees, which is good.","start":943.44,"end":946.18,"sentiment":"positive","sentiment_score":0.3423131212592125},{"text":"You've had quite a large jump up in your balance where you're sitting at just shy of 240,000 today.","start":946.96,"end":954.695,"sentiment":"neutral","sentiment_score":0.21452396166952034},{"text":"No.","start":960.035,"end":960.195,"sentiment":"neutral","sentiment_score":0.0694342702627182},{"text":"You're totally fine.","start":960.195,"end":961.335,"sentiment":"neutral","sentiment_score":0.20749296247959137}],"sentiment":"neutral","sentiment_score":0.22227237834816888,"num_words":42,"start":939.36,"end":961.335},{"sentences":[{"text":"So you went from 208,000 to 240,000 in the last twelve months in terms of contributions and growth.","start":961.395,"end":969.19,"sentiment":"neutral","sentiment_score":0.1804923394487964},{"text":"Okay?","start":971.17,"end":971.41,"sentiment":"neutral","sentiment_score":0.12673793733119965},{"text":"So it's very good.","start":971.41,"end":973.58997,"sentiment":"positive","sentiment_score":0.5558979138731956},{"text":"And one of the the balancing acts that we have to do is that you're getting because it's percentage based returns, every 10% now is, like, $20,000 on top of your contributions.","start":973.64996,"end":983.23505,"sentiment":"neutral","sentiment_score":0.2246474775020033},{"text":"So we try and get as many of those out of it as we can until we have to reduce your risk level down.","start":984.575,"end":989.715,"sentiment":"neutral","sentiment_score":0.20281586796045303}],"sentiment":"neutral","sentiment_score":0.22348723815211766,"num_words":79,"start":961.395,"end":989.715},{"sentences":[{"text":"K.","start":992.02997,"end":992.52997,"sentiment":"neutral","sentiment_score":-0.010044123977422714},{"text":"Yeah.","start":1005.08496,"end":1005.58496,"sentiment":"neutral","sentiment_score":-0.07001708447933197},{"text":"Yep.","start":1016.38,"end":1016.88,"sentiment":"neutral","sentiment_score":0.02606233581900597},{"text":"So couple of ideas that I would like to do with you is so 60 a week goes in pretax as salary sacrifice, where if you tell your work, they're gonna take it out of your pay and tax you on what's left over.","start":1021.18,"end":1035.515,"sentiment":"neutral","sentiment_score":0.029696760529821568},{"text":"So because the super is 15% tax rate and you've got that bracket there, that sort of 32% bracket, you will save that 17% on every dollar that you put in.","start":1035.655,"end":1047.73,"sentiment":"neutral","sentiment_score":0.19296977957410197}],"sentiment":"neutral","sentiment_score":0.09275284304450719,"num_words":78,"start":992.02997,"end":1047.73},{"sentences":[{"text":"So the way it would work is if you put in 60, it'll probably impact your pay by about 45 to 50 dollars.","start":1048.03,"end":1059.745,"sentiment":"neutral","sentiment_score":0.15467944368720055},{"text":"Correct.","start":1061.165,"end":1061.565,"sentiment":"neutral","sentiment_score":0.09555519372224808},{"text":"So what happens is if you put 60 in because of the tax differences on it, you're gonna get 45 less in your in your pay rather than 60 less because it's going in pretax, which is fabulous.","start":1061.565,"end":1073.65,"sentiment":"neutral","sentiment_score":0.18244506281457448},{"text":"Yeah.","start":1077.71,"end":1077.95,"sentiment":"neutral","sentiment_score":0.14790597558021543},{"text":"And that difference in the tax goes to help boost up the super quickly as well.","start":1077.95,"end":1081.875,"sentiment":"neutral","sentiment_score":0.24671804625540972}],"sentiment":"neutral","sentiment_score":0.18584163925504382,"num_words":79,"start":1048.03,"end":1081.875},{"sentences":[{"text":"Yeah.","start":1090.915,"end":1091.155,"sentiment":"neutral","sentiment_score":0.05491914227604866},{"text":"So what I'll do is I'm gonna give you an updated statement of advice where I kind of update your plan and your projections for you so you've got that in writing.","start":1091.155,"end":1099.5499,"sentiment":"neutral","sentiment_score":0.19277273723855615},{"text":"But I'll give you a bit of an idea now for where we're kind of headed.","start":1099.77,"end":1103.2899,"sentiment":"neutral","sentiment_score":0.20381018705666065},{"text":"So you've got 240,000 now.","start":1103.2899,"end":1106.19,"sentiment":"neutral","sentiment_score":0.2969373881816864},{"text":"If I work out your 88,000 income for the contributions, Chop off a bit of tax off of that.","start":1106.8099,"end":1115.135,"sentiment":"neutral","sentiment_score":0.1989098422621426}],"sentiment":"neutral","sentiment_score":0.2020353927493912,"num_words":73,"start":1090.915,"end":1115.135},{"sentences":[{"text":"We've got about 8,900 that goes in per year after tax and fees.","start":1115.135,"end":1120.115,"sentiment":"neutral","sentiment_score":0.19552448506538683},{"text":"Eleven years to go.","start":1121.775,"end":1122.895,"sentiment":"neutral","sentiment_score":0.15636450052261353},{"text":"And like I said, let's say seven to 8% return benchmark for balanced, you're kind of headed for that $65,700,000 mark.","start":1122.895,"end":1134.07,"sentiment":"neutral","sentiment_score":0.18669107130595616},{"text":"Now from there, if we add on that $60 of salary sacrifice, I'm gonna add that on to here, that bumps your contributions up to 12,000, and that gets you from $6.50 to 700,000 as a minimum and from 7 100 to $7.60 as a maximum.","start":1136.37,"end":1158.0901,"sentiment":"neutral","sentiment_score":0.15842297341188658},{"text":"So for every $60 a week that you can put in, it's an extra $60,000 in the decade.","start":1158.15,"end":1163.77,"sentiment":"neutral","sentiment_score":0.20151792052719328}],"sentiment":"neutral","sentiment_score":0.17649576619413554,"num_words":102,"start":1115.135,"end":1163.77},{"sentences":[{"text":"And that'll probably give you an extra two years' worth of income for your retirement goal for every time you do that.","start":1167.685,"end":1175.785,"sentiment":"positive","sentiment_score":0.5451161427931352},{"text":"Correct.","start":1183.46,"end":1183.96,"sentiment":"neutral","sentiment_score":0.04892277717590332},{"text":"We just gotta make sure we don't go over the cap, which is quite large.","start":1184.4199,"end":1187.1399,"sentiment":"neutral","sentiment_score":-0.09632767761747042},{"text":"They've increased it to 32 and a half thousand, so you're not gonna get anywhere near kind of extra taxes and breaching caps.","start":1187.1399,"end":1194.36,"sentiment":"neutral","sentiment_score":-0.0815212435554713},{"text":"K?","start":1196.685,"end":1197.185,"sentiment":"neutral","sentiment_score":-0.0024216491729021072}],"sentiment":"neutral","sentiment_score":0.14063149199054967,"num_words":62,"start":1167.685,"end":1197.185},{"sentences":[{"text":"So what I would like to do is just when I was talking about your investments before, overall returns are looking good.","start":1197.245,"end":1203.405,"sentiment":"neutral","sentiment_score":0.11976651373234662},{"text":"There is one investment option that's kind of concerning me a little bit at the moment, the Bennelong option, which has dropped a bit.","start":1203.405,"end":1209.45,"sentiment":"neutral","sentiment_score":-0.002881777996663004},{"text":"So what I would like to do is just kind of switch that one out and update that one option at least, and I'll factor in the salary sacrifice so I can kind of show you here's your current situation.","start":1210.97,"end":1222.2699,"sentiment":"neutral","sentiment_score":0.0681545278057456},{"text":"With your current contributions and investments, and this is what it might look like if you put a bit extra in and update your portfolio.","start":1222.745,"end":1229.165,"sentiment":"neutral","sentiment_score":0.09059406206011772},{"text":"K?","start":1231.305,"end":1231.805,"sentiment":"neutral","sentiment_score":0.054696593433618546}],"sentiment":"neutral","sentiment_score":0.06795919542284017,"num_words":112,"start":1197.245,"end":1231.805},{"sentences":[{"text":"So I will do the research of that in the background, and then the team will kind of as soon as I get back from I'm going on paternity leave in a couple of weeks for my third job.","start":1232.025,"end":1242.8899,"sentiment":"neutral","sentiment_score":0.08053618898758522},{"text":"Thank you.","start":1243.35,"end":1244.1499,"sentiment":"positive","sentiment_score":0.7510085999965668},{"text":"So I've got two boys and a girl on the way, and that's really exciting.","start":1244.1499,"end":1251.2849,"sentiment":"positive","sentiment_score":0.7112660884857178},{"text":"They're really keen to have a sister, and we're keen to have a daughter.","start":1251.2849,"end":1254.4049,"sentiment":"positive","sentiment_score":0.6214583558695657},{"text":"And so for everybody, I'm pretty much just getting my team to build and research everything.","start":1254.4049,"end":1260.245,"sentiment":"positive","sentiment_score":0.44061736948788166}],"sentiment":"positive","sentiment_score":0.3611885440904041,"num_words":86,"start":1232.025,"end":1260.245},{"sentences":[{"text":"So as soon as I get back, they can book you in.","start":1260.245,"end":1262.7,"sentiment":"positive","sentiment_score":0.3626548449198405},{"text":"We can go through the updated plan together.","start":1262.7,"end":1264.72,"sentiment":"positive","sentiment_score":0.39828571677207947},{"text":"Sounds good.","start":1267.5,"end":1268.24,"sentiment":"positive","sentiment_score":0.5155958235263824},{"text":"Alright.","start":1268.38,"end":1268.88,"sentiment":"neutral","sentiment_score":0.11773254722356796},{"text":"I do have one question for you.","start":1269.5,"end":1271.1,"sentiment":"neutral","sentiment_score":-0.0024443247488566805}],"sentiment":"neutral","sentiment_score":0.2889985931416353,"num_words":30,"start":1260.245,"end":1271.1},{"sentences":[{"text":"This is not you can't answer this question wrong.","start":1271.1,"end":1274.54,"sentiment":"neutral","sentiment_score":-0.11725336644384596},{"text":"It's really just about your gut feeling here.","start":1274.54,"end":1276.875,"sentiment":"neutral","sentiment_score":-0.05991053720936179},{"text":"With the investments, I can pick anything across Hub because they've got the most investment options in the country.","start":1278.635,"end":1285.455,"sentiment":"neutral","sentiment_score":0.02247658744454384},{"text":"And to whittle that debt, they've got 1,300, so I need to kind of shortlist that a little bit.","start":1286.075,"end":1291.535,"sentiment":"neutral","sentiment_score":-0.09852389118781216},{"text":"We can choose between low fee passive investments, which have the lowest fees, but they just follow the market up and down, or higher fee active investments where they try and pick and choose stocks and properties and things to try and get a higher return.","start":1293.0,"end":1308.815,"sentiment":"neutral","sentiment_score":0.0671422797376695}],"sentiment":"neutral","sentiment_score":0.001080014862784065,"num_words":101,"start":1271.1,"end":1308.815},{"sentences":[{"text":"Do you have a preference between the two?","start":1308.955,"end":1310.715,"sentiment":"neutral","sentiment_score":0.013632749323733151},{"text":"Where are you leaning?","start":1310.715,"end":1311.695,"sentiment":"neutral","sentiment_score":-0.0008049869211390615},{"text":"Perfect.","start":1322.33,"end":1322.83,"sentiment":"neutral","sentiment_score":0.19998326897621155},{"text":"So what I would say there is that most of the time, the passive side is a bit more traditional, a little bit more low risk because you eliminate a fund manager making a misstep in buying the wrong things.","start":1322.89,"end":1335.825,"sentiment":"neutral","sentiment_score":-0.0006725628860294819},{"text":"They're just buying all the big companies, and it's a bit more bit more middle of the road for that option.","start":1335.825,"end":1341.685,"sentiment":"neutral","sentiment_score":0.02086302602574939}],"sentiment":"neutral","sentiment_score":0.009689815499744302,"num_words":74,"start":1308.955,"end":1341.685},{"sentences":[{"text":"Cool.","start":1344.64,"end":1345.04,"sentiment":"neutral","sentiment_score":0.2785400152206421},{"text":"So I'll put that together.","start":1345.04,"end":1346.0801,"sentiment":"neutral","sentiment_score":0.18495223224163054},{"text":"I have a few options in mind that I'll compare for you, and I can put that in there with the extra contributions.","start":1346.0801,"end":1351.22,"sentiment":"neutral","sentiment_score":0.16498721974051517},{"text":"Now while I've got you here, we updated the beneficiaries on your let me just double check here.","start":1353.52,"end":1360.3251,"sentiment":"neutral","sentiment_score":0.09553772252466944},{"text":"I did see it before.","start":1360.3251,"end":1361.625,"sentiment":"neutral","sentiment_score":0.0007936317473649981}],"sentiment":"neutral","sentiment_score":0.1292625845123369,"num_words":52,"start":1344.64,"end":1361.625},{"sentences":[{"text":"Yes.","start":1367.8451,"end":1368.165,"sentiment":"neutral","sentiment_score":0.04986929893493652},{"text":"That's right.","start":1368.165,"end":1368.7251,"sentiment":"neutral","sentiment_score":0.05463186465203762},{"text":"So I'm having a look through the file notes, and we have Clearview has updated no.","start":1368.7251,"end":1375.62,"sentiment":"neutral","sentiment_score":0.038662339095026255},{"text":"Wait.","start":1375.62,"end":1375.86,"sentiment":"neutral","sentiment_score":0.05991029739379883},{"text":"We've got the Clearview has paid premiums.","start":1375.86,"end":1378.36,"sentiment":"positive","sentiment_score":0.49035573857171194}],"sentiment":"neutral","sentiment_score":0.15815299707982275,"num_words":27,"start":1367.8451,"end":1378.36},{"sentences":[{"text":"That's all good.","start":1378.5,"end":1379.5599,"sentiment":"positive","sentiment_score":0.7521999279657999},{"text":"Okay.","start":1380.74,"end":1381.14,"sentiment":"neutral","sentiment_score":0.21000979840755463},{"text":"So what I can currently see listed is Christian and Zachariah on hub.","start":1381.14,"end":1387.32,"sentiment":"neutral","sentiment_score":0.06694414982428917},{"text":"That's a 50% split between spouse and child.","start":1389.9551,"end":1393.095,"sentiment":"neutral","sentiment_score":0.06456416449509561},{"text":"That's it.","start":1397.635,"end":1398.1951,"sentiment":"neutral","sentiment_score":-0.01672767521813512}],"sentiment":"neutral","sentiment_score":0.14147931464982252,"num_words":27,"start":1378.5,"end":1398.1951},{"sentences":[{"text":"Okay.","start":1398.1951,"end":1398.6951,"sentiment":"neutral","sentiment_score":0.011149263009428978},{"text":"So is it supposed to be I'm gonna double check because it's still processing.","start":1398.755,"end":1402.055,"sentiment":"neutral","sentiment_score":0.000415951867970372},{"text":"Is it supposed to be the oh, can you say that one more time for me?","start":1402.26,"end":1406.76,"sentiment":"neutral","sentiment_score":-0.016050755511969328},{"text":"That's the 1502525?","start":1408.74,"end":1411.64,"sentiment":"neutral","sentiment_score":-0.0015452243387699127},{"text":"Alright.","start":1412.98,"end":1413.48,"sentiment":"neutral","sentiment_score":0.042981959879398346}],"sentiment":"neutral","sentiment_score":-0.005756948919068756,"num_words":35,"start":1398.1951,"end":1413.48},{"sentences":[{"text":"And I'll make sure so that's what you wanted on both the super and the life insurance.","start":1413.54,"end":1417.38,"sentiment":"neutral","sentiment_score":0.06701171529643676},{"text":"Is that correct?","start":1417.38,"end":1418.2,"sentiment":"neutral","sentiment_score":0.05001676951845487},{"text":"Yep.","start":1424.875,"end":1425.375,"sentiment":"neutral","sentiment_score":0.07762497663497925},{"text":"And, again, you can split it because life insurance can go to anybody.","start":1425.6749,"end":1428.875,"sentiment":"neutral","sentiment_score":0.10723483218596531},{"text":"You can go to charity.","start":1428.875,"end":1429.755,"sentiment":"neutral","sentiment_score":0.1977936655282974}],"sentiment":"neutral","sentiment_score":0.09615116900740525,"num_words":39,"start":1413.54,"end":1429.755},{"sentences":[{"text":"You can go to partners and children.","start":1429.755,"end":1431.375,"sentiment":"neutral","sentiment_score":0.1377625720841544},{"text":"Super.","start":1431.62,"end":1431.9401,"sentiment":"neutral","sentiment_score":0.2301001250743866},{"text":"It's like, who's your spouse?","start":1431.9401,"end":1433.14,"sentiment":"neutral","sentiment_score":0.043803774565458295},{"text":"Who's your dependents?","start":1433.14,"end":1434.04,"sentiment":"neutral","sentiment_score":0.033190123115976654},{"text":"K.","start":1436.42,"end":1436.92,"sentiment":"neutral","sentiment_score":0.024907875806093216}],"sentiment":"neutral","sentiment_score":0.09046677927322247,"num_words":17,"start":1429.755,"end":1436.92},{"sentences":[{"text":"So I'll go spouse, child, child.","start":1437.06,"end":1440.2001,"sentiment":"neutral","sentiment_score":0.0496446763475736},{"text":"I'll make sure that's across both.","start":1442.02,"end":1443.62,"sentiment":"neutral","sentiment_score":0.08364131053288777},{"text":"Now with your insurance policy, I need I need to show you this one.","start":1443.62,"end":1449.675,"sentiment":"neutral","sentiment_score":0.010306897307080882},{"text":"Can you still see the attachments on the email that I sent you?","start":1449.735,"end":1452.875,"sentiment":"neutral","sentiment_score":0.03116088589796653},{"text":"So on the bottom, there is a ClearView certificate of currency.","start":1455.095,"end":1459.335,"sentiment":"neutral","sentiment_score":0.11358045447956432}],"sentiment":"neutral","sentiment_score":0.05196977999061346,"num_words":50,"start":1437.06,"end":1459.335},{"sentences":[{"text":"It's a lovely pinky purple certificate.","start":1459.335,"end":1461.675,"sentiment":"neutral","sentiment_score":0.31870703399181366},{"text":"Yep.","start":1465.2799,"end":1465.7799,"sentiment":"neutral","sentiment_score":0.09965120255947112},{"text":"So premiums are jumping up every single year, and they jumped up again in March.","start":1465.9199,"end":1470.6599,"sentiment":"neutral","sentiment_score":0.28972798883914946},{"text":"And we're clearing $7,000 a year coming out of the super.","start":1470.96,"end":1474.72,"sentiment":"positive","sentiment_score":0.42877640507437964},{"text":"So I'm glad that the super has grown well even with all the fees coming out, but it's it's one of those things where next year, that'll probably be 9,000.","start":1474.72,"end":1484.5349,"sentiment":"positive","sentiment_score":0.3858721603794644}],"sentiment":"positive","sentiment_score":0.359532039782535,"num_words":63,"start":1459.335,"end":1484.5349},{"sentences":[{"text":"And the year after that, it could be 11,000.","start":1484.5349,"end":1486.715,"sentiment":"neutral","sentiment_score":0.074163269251585},{"text":"And Yep.","start":1486.775,"end":1505.095,"sentiment":"neutral","sentiment_score":-0.0240222035208717},{"text":"Uh-huh.","start":1512.515,"end":1512.915,"sentiment":"neutral","sentiment_score":-0.022939985617995266},{"text":"I see.","start":1512.915,"end":1513.655,"sentiment":"neutral","sentiment_score":0.009348555468022823},{"text":"Yep.","start":1520.5,"end":1521.0,"sentiment":"neutral","sentiment_score":0.08264635503292084}],"sentiment":"neutral","sentiment_score":0.04652189977156619,"num_words":15,"start":1484.5349,"end":1521.0},{"sentences":[{"text":"Okay.","start":1530.755,"end":1531.255,"sentiment":"neutral","sentiment_score":0.05089941993355751},{"text":"Yeah.","start":1546.93,"end":1547.43,"sentiment":"neutral","sentiment_score":-0.0514502115547657},{"text":"Yeah.","start":1557.025,"end":1557.525,"sentiment":"neutral","sentiment_score":-0.00188334658741951},{"text":"Gotcha.","start":1572.24,"end":1572.74,"sentiment":"neutral","sentiment_score":-0.02135150134563446},{"text":"K.","start":1573.12,"end":1573.62,"sentiment":"neutral","sentiment_score":-0.0058055454865098}],"sentiment":"neutral","sentiment_score":-0.005918237008154392,"num_words":5,"start":1530.755,"end":1573.62},{"sentences":[{"text":"I'm noting this down.","start":1574.7351,"end":1576.3551,"sentiment":"neutral","sentiment_score":-0.03368644276633859},{"text":"Can I have a look into this for you?","start":1580.255,"end":1582.3551,"sentiment":"neutral","sentiment_score":-0.010635842465692096},{"text":"Because what I would like to do is if there's any loadings on the policy, which is an increase due to the the fatty liver kind of thing, I can either get that review with Clearview or potentially look at another provider and see who's gonna get you the best deal.","start":1583.935,"end":1599.165,"sentiment":"neutral","sentiment_score":-0.06166343011108099},{"text":"Outside of that, I think you were still listed as possibly having smokers' rates as well, which it's one of those ones where anytime you get that tag, they double the price, and that's the bigger hit as well.","start":1602.125,"end":1622.06,"sentiment":"neutral","sentiment_score":-0.15212468860241082},{"text":"And it could be a combination of multiple factors here.","start":1622.06,"end":1624.9601,"sentiment":"neutral","sentiment_score":-0.1322268821299076}],"sentiment":"neutral","sentiment_score":-0.09407464571429038,"num_words":113,"start":1574.7351,"end":1624.9601},{"sentences":[{"text":"Yeah.","start":1632.835,"end":1633.335,"sentiment":"neutral","sentiment_score":0.2171015739440918},{"text":"And the space out to twelve months is really good.","start":1633.715,"end":1636.695,"sentiment":"positive","sentiment_score":0.6324681878089905},{"text":"And if that's all it is kinda thing, I'm happy to go do a few anonymous phone calls to Clearview and other insurers to see if I can see a better deal for you.","start":1636.835,"end":1646.87,"sentiment":"positive","sentiment_score":0.3533158836995854},{"text":"Uh-huh.","start":1668.1599,"end":1668.6599,"sentiment":"neutral","sentiment_score":-0.005947154946625233},{"text":"Yep.","start":1683.615,"end":1684.115,"sentiment":"neutral","sentiment_score":-0.013796940445899963}],"sentiment":"positive","sentiment_score":0.39435700856228456,"num_words":47,"start":1632.835,"end":1684.115},{"sentences":[{"text":"Okay.","start":1686.815,"end":1687.315,"sentiment":"neutral","sentiment_score":-0.17826122045516968},{"text":"No.","start":1688.99,"end":1689.3899,"sentiment":"neutral","sentiment_score":-0.21291404962539673},{"text":"No.","start":1689.3899,"end":1689.8899,"sentiment":"neutral","sentiment_score":-0.21221625804901123},{"text":"And, like, this is such a risk.","start":1694.9099,"end":1696.19,"sentiment":"neutral","sentiment_score":-0.14749799136604583},{"text":"She's about to explode.","start":1696.19,"end":1697.33,"sentiment":"neutral","sentiment_score":-0.1642760317772627}],"sentiment":"neutral","sentiment_score":-0.16378439962863922,"num_words":14,"start":1686.815,"end":1697.33},{"sentences":[{"text":"Yeah.","start":1711.085,"end":1711.245,"sentiment":"neutral","sentiment_score":-0.1020629182457924},{"text":"Everybody takes an antihistamine and a Panadol.","start":1711.245,"end":1713.825,"sentiment":"neutral","sentiment_score":-0.14436584072453634},{"text":"Yep.","start":1724.7001,"end":1725.2001,"sentiment":"neutral","sentiment_score":0.12977483868598938},{"text":"Which is what what's what they want to do is, like, go to the doctors, get things checked, be preventative, and not waiting until you've got the main issue.","start":1725.26,"end":1733.375,"sentiment":"neutral","sentiment_score":0.08020459134773962},{"text":"So, look, I can never promise any outcomes with it, Halima, but I am more than happy to go to bat and hunt around.","start":1739.04,"end":1746.0801,"sentiment":"neutral","sentiment_score":0.14663867636894187}],"sentiment":"neutral","sentiment_score":0.07842600673076607,"num_words":62,"start":1711.085,"end":1746.0801},{"sentences":[{"text":"And if I can improve things, I will.","start":1746.0801,"end":1748.02,"sentiment":"neutral","sentiment_score":0.24326100945472717},{"text":"The cover amount, 512,000, which obviously pays the majority of the mortgage up, but your super kind of finishes off the last little bit, is that okay?","start":1751.155,"end":1760.4349,"sentiment":"neutral","sentiment_score":0.1866480672594022},{"text":"Is that too little?","start":1760.4349,"end":1761.315,"sentiment":"neutral","sentiment_score":-0.06423019245266914},{"text":"Is that too much?","start":1761.315,"end":1762.375,"sentiment":"neutral","sentiment_score":-0.08569185435771942},{"text":"It is because they do this indexation where they don't just increase your price.","start":1767.49,"end":1771.49,"sentiment":"neutral","sentiment_score":-0.004238983815801995}],"sentiment":"neutral","sentiment_score":0.1109921391399806,"num_words":57,"start":1746.0801,"end":1771.49},{"sentences":[{"text":"They slightly increase your cover amount, which is it's actually a cool way to get slightly more cover every year with the cost of living for cheaper, but it does impact things as well.","start":1771.49,"end":1781.5851,"sentiment":"neutral","sentiment_score":0.1196921066764523},{"text":"So it was probably around figure to start with, and they bumped it up slightly.","start":1781.5851,"end":1785.125,"sentiment":"neutral","sentiment_score":0.04669649178783099},{"text":"So I'll do the cover amounts as they are, and I'll see if I can get any reviews on Clearview or a different provider.","start":1787.4401,"end":1793.78,"sentiment":"neutral","sentiment_score":0.09970631791899602},{"text":"Am I able to tell them that you're twelve months nicotine free by any chance?","start":1796.0,"end":1799.86,"sentiment":"neutral","sentiment_score":0.057425812383492786},{"text":"Yep.","start":1809.165,"end":1809.665,"sentiment":"neutral","sentiment_score":0.17062292993068695}],"sentiment":"neutral","sentiment_score":0.09207798595006546,"num_words":89,"start":1771.49,"end":1809.665},{"sentences":[{"text":"Because one of the things is, like, that that it on in and of itself, that'll be $3,000 safe.","start":1814.3,"end":1819.92,"sentiment":"neutral","sentiment_score":0.22248526231238716},{"text":"So we can do a declaration of nonsmoker's rates to Cleave you if you like.","start":1822.14,"end":1827.28,"sentiment":"neutral","sentiment_score":0.11142775664726894},{"text":"If, you know, Christmas party didn't happen last year, because I know you put the policy in force in 2025, and and if that's part of the the health management, that's possible.","start":1827.5549,"end":1839.315,"sentiment":"neutral","sentiment_score":0.027510230676853098},{"text":"And also with the the next provider as well.","start":1839.315,"end":1843.17,"sentiment":"neutral","sentiment_score":0.023439197283652093},{"text":"Just be careful, though, if there's anything where your doctor's like, yep.","start":1843.17,"end":1847.17,"sentiment":"neutral","sentiment_score":-0.1506049856543541}],"sentiment":"neutral","sentiment_score":0.05957076624142884,"num_words":87,"start":1814.3,"end":1847.17},{"sentences":[{"text":"Look.","start":1847.17,"end":1847.49,"sentiment":"neutral","sentiment_score":-0.06380673497915268},{"text":"You're you're still a smoker, yada yada yada.","start":1847.49,"end":1849.59,"sentiment":"neutral","sentiment_score":-0.0818364080041647},{"text":"They it all links together.","start":1850.13,"end":1851.41,"sentiment":"neutral","sentiment_score":0.004506429843604565},{"text":"All the data links together.","start":1851.41,"end":1852.79,"sentiment":"neutral","sentiment_score":0.010195872001349925},{"text":"Yeah.","start":1856.7051,"end":1857.2051,"sentiment":"neutral","sentiment_score":0.016566969454288483}],"sentiment":"neutral","sentiment_score":-0.03142097601667047,"num_words":20,"start":1847.17,"end":1857.2051},{"sentences":[{"text":"So do you want me to try and find some quotes for a nonsmoker, or should I leave that there for just this last one more year?","start":1857.265,"end":1864.805,"sentiment":"neutral","sentiment_score":0.001087515063031956},{"text":"Yep.","start":1875.6001,"end":1876.1001,"sentiment":"neutral","sentiment_score":0.039806757122278214},{"text":"K.","start":1876.48,"end":1876.88,"sentiment":"neutral","sentiment_score":0.0191352516412735},{"text":"So let's say there's a thirty five to 40% chance that I can get some loadings reviewed or another provider for the current health.","start":1876.88,"end":1885.035,"sentiment":"neutral","sentiment_score":0.0072433297367145615},{"text":"Best case scenario is we get the smokers' rates ticked off next year as well.","start":1886.135,"end":1889.8151,"sentiment":"neutral","sentiment_score":0.02913213074207306}],"sentiment":"neutral","sentiment_score":0.010281276327612646,"num_words":68,"start":1857.265,"end":1889.8151},{"sentences":[{"text":"So I'm gonna kind of split it up a little bit where there's two attempts to try and get your premiums down.","start":1889.8151,"end":1895.01,"sentiment":"neutral","sentiment_score":0.026777751913124866},{"text":"Sound good?","start":1896.93,"end":1897.75,"sentiment":"positive","sentiment_score":0.3685953915119171},{"text":"Alrighty.","start":1899.5701,"end":1900.0701,"sentiment":"neutral","sentiment_score":0.16557225584983826},{"text":"Now, Halima, I have gone through quite a few things so far in terms of the super, the portfolio update, the contributions, and the insurance premiums.","start":1901.09,"end":1910.55,"sentiment":"neutral","sentiment_score":0.05508989195984144},{"text":"Do you have any questions for me so far?","start":1910.77,"end":1917.605,"sentiment":"neutral","sentiment_score":0.05300693524380525}],"sentiment":"neutral","sentiment_score":0.05668788648520907,"num_words":60,"start":1889.8151,"end":1917.605},{"sentences":[{"text":"Perfect.","start":1917.605,"end":1918.105,"sentiment":"neutral","sentiment_score":0.3003509044647217},{"text":"The last question I had was in terms of the estate planning, I know the beneficiaries are all getting fixed up, but I had a note I was trying to cross reference my data in the new system.","start":1924.1699,"end":1933.85,"sentiment":"neutral","sentiment_score":-0.033525468732573484},{"text":"It says that you've got a power of attorney in place, but maybe not a will.","start":1933.85,"end":1937.5499,"sentiment":"neutral","sentiment_score":-0.08752766717225313},{"text":"K.","start":1941.225,"end":1941.545,"sentiment":"neutral","sentiment_score":-0.02853867970407009},{"text":"Do you actually have a power of attorney in place?","start":1941.545,"end":1943.625,"sentiment":"neutral","sentiment_score":0.021366434544324873}],"sentiment":"neutral","sentiment_score":-0.03316566539984761,"num_words":66,"start":1917.605,"end":1943.625},{"sentences":[{"text":"So if you're in hospital and you can't act, someone's gonna look after the banks and talk to the doctors.","start":1943.625,"end":1948.585,"sentiment":"neutral","sentiment_score":-0.004025247180834413},{"text":"Do you have that in place?","start":1948.585,"end":1949.885,"sentiment":"neutral","sentiment_score":0.016025916983683903},{"text":"It's kinda like, yeah, when you put a will in place and you get it all signed off with a JP and a lawyer and all that kind of Can I give you a bit of helpful direction here?","start":1961.2,"end":1984.7999,"sentiment":"neutral","sentiment_score":0.056590957137254566},{"text":"There's three main options that like, obviously, there's solicitors everywhere, in every city, in every town, and you can go talk to a lawyer.","start":1986.46,"end":1994.255,"sentiment":"neutral","sentiment_score":0.13313144942124686},{"text":"How long's a piece of string?","start":1994.255,"end":1995.4551,"sentiment":"neutral","sentiment_score":0.05181796910862128}],"sentiment":"neutral","sentiment_score":0.06030274197263153,"num_words":95,"start":1943.625,"end":1995.4551},{"sentences":[{"text":"They can sort everything out.","start":1995.4551,"end":1996.655,"sentiment":"neutral","sentiment_score":0.15031495392322541},{"text":"That's fair enough.","start":1996.655,"end":1997.7151,"sentiment":"neutral","sentiment_score":0.1910578260819117},{"text":"The second option is the public trustee of every state.","start":1998.3351,"end":2002.175,"sentiment":"neutral","sentiment_score":0.11725299060344696},{"text":"So for you, New South Wales also offers appointments to do wills and powers of attorney as well.","start":2002.175,"end":2008.05,"sentiment":"neutral","sentiment_score":0.15292631793353292},{"text":"Yeah.","start":2024.6051,"end":2024.765,"sentiment":"neutral","sentiment_score":-0.03203273564577103}],"sentiment":"neutral","sentiment_score":0.14102484165011225,"num_words":37,"start":1995.4551,"end":2024.765},{"sentences":[{"text":"I apologize.","start":2024.765,"end":2025.3251,"sentiment":"neutral","sentiment_score":-0.1569843664765358},{"text":"That's probably my fault because I've sent every single person in New South Wales to them to look for a will.","start":2025.3251,"end":2029.745,"sentiment":"neutral","sentiment_score":-0.25274222521554857},{"text":"Cool.","start":2033.37,"end":2033.87,"sentiment":"neutral","sentiment_score":0.11898231506347656},{"text":"The only other option too that some people do is for simple circumstances where it's just like a a home and some savings and a car is you can do government approved will kits and power of attorney kits from the post office that are, like, $25 each as long as you get them all certified.","start":2034.65,"end":2052.4648,"sentiment":"neutral","sentiment_score":0.06677681553576674},{"text":"Yeah.","start":2059.26,"end":2059.74,"sentiment":"neutral","sentiment_score":-0.025462381541728973}],"sentiment":"neutral","sentiment_score":-0.022080664925369215,"num_words":81,"start":2024.765,"end":2059.74},{"sentences":[{"text":"So three options there for you.","start":2059.74,"end":2061.4202,"sentiment":"neutral","sentiment_score":0.033201819751411676},{"text":"I'll put a note in the file, and when I do that updated device that that's the suggestion.","start":2061.4202,"end":2065.76,"sentiment":"neutral","sentiment_score":0.061105948562423386},{"text":"And, hopefully, the the wait list isn't too long there.","start":2066.3801,"end":2070.315,"sentiment":"neutral","sentiment_score":-0.026459246501326562},{"text":"Yeah.","start":2077.1948,"end":2077.435,"sentiment":"neutral","sentiment_score":0.024578118696808815},{"text":"So it's the public trustee.","start":2077.435,"end":2078.9749,"sentiment":"neutral","sentiment_score":0.03244903087615967}],"sentiment":"neutral","sentiment_score":0.030533720017410816,"num_words":40,"start":2059.74,"end":2078.9749},{"sentences":[{"text":"So if you like I'm googling it now.","start":2079.115,"end":2081.115,"sentiment":"neutral","sentiment_score":0.04215039638802409},{"text":"I go New South Wales public trustee, and it comes up with New South Wales government website for the trustee and guardian.","start":2081.115,"end":2088.1099,"sentiment":"neutral","sentiment_score":0.02727570113810626},{"text":"Yeah.","start":2094.33,"end":2094.57,"sentiment":"neutral","sentiment_score":-0.001665549352765083},{"text":"Public trustee.","start":2094.57,"end":2095.47,"sentiment":"neutral","sentiment_score":-0.011556943412870169},{"text":"It's the the the horrible group that everyone hates when they die without a will, and it goes through the public government system.","start":2098.8252,"end":2105.645,"sentiment":"negative","sentiment_score":-0.3757222767757333}],"sentiment":"neutral","sentiment_score":-0.13802005724781857,"num_words":56,"start":2079.115,"end":2105.645},{"sentences":[{"text":"But then if you actually go to them prior, they can actually set the wills up.","start":2106.985,"end":2110.185,"sentiment":"neutral","sentiment_score":-0.16601358680054545},{"text":"So it's like, I like them for that.","start":2110.185,"end":2111.705,"sentiment":"neutral","sentiment_score":-0.2761981710791588},{"text":"It's painful on the other side of things, but they're good for that.","start":2111.705,"end":2122.18,"sentiment":"neutral","sentiment_score":-0.22392442020086142},{"text":"Perfect.","start":2122.95,"end":2123.45,"sentiment":"positive","sentiment_score":0.5132111310958862},{"text":"Perfect.","start":2123.51,"end":2124.01,"sentiment":"positive","sentiment_score":0.5351130366325378}],"sentiment":"neutral","sentiment_score":-0.1725255398031993,"num_words":39,"start":2106.985,"end":2124.01},{"sentences":[{"text":"Any questions on that for me before I let you go?","start":2124.5498,"end":2127.555,"sentiment":"neutral","sentiment_score":0.1944308497688987},{"text":"Cool.","start":2130.275,"end":2130.775,"sentiment":"positive","sentiment_score":0.3997328281402588},{"text":"In that document that I've sent you, so we've included, like, financial services guide updated with our licensing details.","start":2131.4749,"end":2138.6948,"sentiment":"neutral","sentiment_score":0.15735332589400441},{"text":"And inside the signable link button on the email is an updated service agreement up the top with the signed documents.","start":2138.9949,"end":2154.0,"sentiment":"neutral","sentiment_score":0.05061930604279041},{"text":"So what happens with our new system is if you hit that, it'll open up into the Odoo it's like a DocuSign, and it'll allow you to scroll through the document to look at it first.","start":2154.0,"end":2164.185,"sentiment":"neutral","sentiment_score":0.0936850839191013}],"sentiment":"neutral","sentiment_score":0.11322561154057356,"num_words":88,"start":2124.5498,"end":2164.185},{"sentences":[{"text":"And then if you're happy with the fees, you know, the usual, like, 1.65% split between the monthly payments and the 15% rebate, we always estimate our fee with a bit of growth on top of it because your super fluctuates.","start":2165.525,"end":2177.8398,"sentiment":"neutral","sentiment_score":0.21117458601550357},{"text":"When you're happy with that, it'll click on you can click on the purple buttons, and it'll pull you to the signature spot and the date spot, and it'll stamp it on there with your name.","start":2179.9,"end":2189.785,"sentiment":"positive","sentiment_score":0.40289341161648434},{"text":"Yes, please.","start":2195.54,"end":2196.36,"sentiment":"neutral","sentiment_score":0.2392588108778},{"text":"Now if you prefer, you can actually click on that signature and draw it so it matches your license, or if you're happy with it just to be stamped by the digital signature.","start":2196.58,"end":2205.4,"sentiment":"neutral","sentiment_score":0.2694106896718343},{"text":"Yeah.","start":2207.9548,"end":2208.1948,"sentiment":"neutral","sentiment_score":0.15475040674209595}],"sentiment":"neutral","sentiment_score":0.28925789055307355,"num_words":113,"start":2165.525,"end":2208.1948},{"sentences":[{"text":"That's fine for us.","start":2208.1948,"end":2209.2349,"sentiment":"neutral","sentiment_score":0.24297615140676498},{"text":"Sometimes with some providers, like some insurers, they require it a bit more drawn.","start":2209.2349,"end":2213.7349,"sentiment":"neutral","sentiment_score":-0.016654927183740904},{"text":"But for Oakview documents, we're okay for it to link in with our system.","start":2213.795,"end":2217.255,"sentiment":"neutral","sentiment_score":0.10844750595944268},{"text":"Yes.","start":2221.97,"end":2222.45,"sentiment":"neutral","sentiment_score":0.034991323947906494},{"text":"Yep.","start":2222.45,"end":2222.95,"sentiment":"neutral","sentiment_score":0.0017800244968384504}],"sentiment":"neutral","sentiment_score":0.06746388402740087,"num_words":34,"start":2208.1948,"end":2222.95},{"sentences":[{"text":"It's definitely better, but it can be a bit painful to try and draw on a phone and things like that.","start":2223.09,"end":2228.47,"sentiment":"neutral","sentiment_score":-0.1719814051120054},{"text":"Perfect.","start":2232.545,"end":2233.045,"sentiment":"neutral","sentiment_score":0.2642960548400879},{"text":"So sign all will stamp it across the whole thing.","start":2236.9448,"end":2239.905,"sentiment":"neutral","sentiment_score":0.09209179282188415},{"text":"So if you wanna just keep going, like, next, next, next, it'll pull you down.","start":2239.905,"end":2243.665,"sentiment":"neutral","sentiment_score":0.07645906880497932},{"text":"Whatever you're more comfortable doing.","start":2243.665,"end":2245.4448,"sentiment":"neutral","sentiment_score":0.0591855876147747}],"sentiment":"neutral","sentiment_score":-0.018915029887396555,"num_words":52,"start":2223.09,"end":2245.4448},{"sentences":[{"text":"Yep.","start":2249.55,"end":2250.05,"sentiment":"neutral","sentiment_score":0.17717210948467255},{"text":"And then once it's all signed, the bottom will have, like, a validate button that will send it to us, and it'll give you a pop up to download a signed copy for your records.","start":2250.1099,"end":2259.65,"sentiment":"neutral","sentiment_score":0.2675214754683631},{"text":"Yep.","start":2268.755,"end":2269.255,"sentiment":"neutral","sentiment_score":0.28131434321403503},{"text":"If you have any one, we can provide you a copy anytime, but it just gives you that prompt to download it straight away.","start":2270.6748,"end":2276.375,"sentiment":"positive","sentiment_score":0.35050081337491673},{"text":"Perfect.","start":2285.61,"end":2286.11,"sentiment":"positive","sentiment_score":0.6401208639144897}],"sentiment":"neutral","sentiment_score":0.3044173948226436,"num_words":62,"start":2249.55,"end":2286.11},{"sentences":[{"text":"Now, Aleema, do you have any questions for me at the moment from the annual review?","start":2288.825,"end":2293.325,"sentiment":"neutral","sentiment_score":0.14767831936478615},{"text":"Yeah.","start":2309.56,"end":2309.8,"sentiment":"neutral","sentiment_score":-0.09240791201591492},{"text":"And it's actually really like, I'm very impressed because a lot of people have been losing a lot of money in super lately, really negative returns.","start":2309.8,"end":2316.9648,"sentiment":"neutral","sentiment_score":-0.2998289228058778},{"text":"For you still to be up 10% after fees, that's really good.","start":2317.345,"end":2321.505,"sentiment":"neutral","sentiment_score":0.1815790757536888},{"text":"I'll optimize things and give it a bit of an engine tune up as well to keep it going.","start":2321.505,"end":2325.525,"sentiment":"neutral","sentiment_score":0.2566504933332142}],"sentiment":"neutral","sentiment_score":0.02067839847625913,"num_words":74,"start":2288.825,"end":2325.525},{"sentences":[{"text":"Oh, look.","start":2329.04,"end":2329.68,"sentiment":"neutral","sentiment_score":0.003714640624821186},{"text":"The the way the world goes, you know what it's like every couple of years, something blows up.","start":2329.68,"end":2333.68,"sentiment":"neutral","sentiment_score":-0.049052503891289234},{"text":"But we play the law of long term averages.","start":2333.68,"end":2336.96,"sentiment":"neutral","sentiment_score":-0.02558265791998969},{"text":"And like I said, you've got eleven years.","start":2336.96,"end":2338.74,"sentiment":"neutral","sentiment_score":0.02413451694883406},{"text":"I need to make a couple of good decisions with you to average out over that decade to, a, grow the super, and then, b, protect it once it's built.","start":2338.8,"end":2346.5151,"sentiment":"neutral","sentiment_score":0.1856884424885114}],"sentiment":"neutral","sentiment_score":0.0695219358234708,"num_words":67,"start":2329.04,"end":2346.5151},{"sentences":[{"text":"Okay?","start":2348.2551,"end":2348.7551,"sentiment":"neutral","sentiment_score":0.019287770614027977},{"text":"Are you okay for the team to kind of reach out over the next couple of weeks if they need any more information for the insurance?","start":2350.895,"end":2356.175,"sentiment":"neutral","sentiment_score":0.04047583430432356},{"text":"Research.","start":2356.175,"end":2356.675,"sentiment":"neutral","sentiment_score":0.0154629023745656},{"text":"Perfect.","start":2358.79,"end":2359.29,"sentiment":"neutral","sentiment_score":0.2734123766422272},{"text":"Because that will be they're gonna be going full throttle into every option under the sun there.","start":2359.5898,"end":2366.23,"sentiment":"neutral","sentiment_score":-0.02064528162865078}],"sentiment":"neutral","sentiment_score":0.02194706421426457,"num_words":46,"start":2348.2551,"end":2366.23},{"sentences":[{"text":"They may need to clarify a couple of things while I'm away, and then we'll get you booked.","start":2366.23,"end":2370.41,"sentiment":"neutral","sentiment_score":-0.03987219163941012},{"text":"Yeah.","start":2375.155,"end":2375.395,"sentiment":"neutral","sentiment_score":-0.010261068120598791},{"text":"So at least it's enforced.","start":2375.395,"end":2376.695,"sentiment":"neutral","sentiment_score":-0.029421210289001465},{"text":"And the good thing too is if we do do any alterations with Clearview or switch to another provider, they do do pro rata refunds as well.","start":2383.075,"end":2391.23,"sentiment":"neutral","sentiment_score":0.277014445927408},{"text":"So if it's only a a month into the year and you've paid for a year, they'll give you eleven months back or whatever it is.","start":2391.45,"end":2398.2698,"sentiment":"neutral","sentiment_score":0.09020934497507718}],"sentiment":"neutral","sentiment_score":0.11623073299113032,"num_words":77,"start":2366.23,"end":2398.2698},{"sentences":[{"text":"Correct.","start":2400.345,"end":2400.845,"sentiment":"neutral","sentiment_score":0.11266587674617767},{"text":"Alrighty.","start":2402.985,"end":2403.485,"sentiment":"neutral","sentiment_score":0.08393847942352295},{"text":"Well, thank you so much for your time today.","start":2403.785,"end":2405.305,"sentiment":"positive","sentiment_score":0.806630273660024},{"text":"I'm glad we we caught each other and and got it sorted, and I've got a few ideas to to improve things.","start":2405.305,"end":2411.0051,"sentiment":"positive","sentiment_score":0.7261220460588281},{"text":"So thank you.","start":2411.545,"end":2412.27,"sentiment":"positive","sentiment_score":0.5505955914656321}],"sentiment":"positive","sentiment_score":0.6967430168555843,"num_words":36,"start":2400.345,"end":2412.27},{"sentences":[{"text":"Perfect.","start":2418.51,"end":2418.99,"sentiment":"positive","sentiment_score":0.6948279738426208},{"text":"Look.","start":2418.99,"end":2419.15,"sentiment":"positive","sentiment_score":0.6016001105308533},{"text":"It's been a pleasure.","start":2419.15,"end":2420.1301,"sentiment":"positive","sentiment_score":0.8172277510166168},{"text":"I'll get the team to send out the usual feedback text message if you're okay to give us a bit of feedback and a review.","start":2420.43,"end":2426.21,"sentiment":"positive","sentiment_score":0.3633096200227737},{"text":"But outside of that, as soon as I'm back in the office, you'll get a call to either go through the research, update, or book in for me straightaway to go through the plan.","start":2426.295,"end":2435.275,"sentiment":"neutral","sentiment_score":0.22528983652591705}],"sentiment":"neutral","sentiment_score":0.32781436970600714,"num_words":65,"start":2418.51,"end":2435.275},{"sentences":[{"text":"Alrighty, Halima.","start":2437.415,"end":2438.295,"sentiment":"positive","sentiment_score":0.6674990057945251},{"text":"Have a fantastic week, and I look forward to talking to you again soon.","start":2438.295,"end":2441.4348,"sentiment":"positive","sentiment_score":0.8076684815543038},{"text":"Oh, I absolutely will.","start":2444.1147,"end":2445.4949,"sentiment":"positive","sentiment_score":0.7094699591398239},{"text":"Thank you.","start":2447.555,"end":2448.035,"sentiment":"positive","sentiment_score":0.730349987745285},{"text":"Bye.","start":2448.035,"end":2448.535,"sentiment":"neutral","sentiment_score":-0.10641233623027802}],"sentiment":"positive","sentiment_score":0.7319358360508214,"num_words":23,"start":2437.415,"end":2448.535}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Hi, Tommy. Good. How are you? Yes. Yes. Yes. All good. Yeah. Of course. Six of the first nineteen seventy two. Number 8 Yelversin, 27, New South Wales 2044. Sorry. Yeah. I got back last week, so it's all good. Yes. I would have been delirious last week. Yep. Yes. Thank you. Yes. I can. I'll put you I'll I'll put you on my headphones so in that way I can have a look at it. Because, yeah, my son's using my laptop. So just get my headphones. Sorry. Yep. Okay. Cool. Okay. So can you hear me okay? I know. It's not the best. Let me just speak. Okay. No. Not really. I guess it's just hearing what you guys have to say and how they're going, I guess. Yep. Okay. Yep. Yep. Yes. Oh, sorry. I'm muted. So I'm not used to these headphones. Yeah. Yeah. I know. Because it's I don't think it's just not here. I don't know if it's just not here very well. I've gotta keep a document. I just have to clean change. Yeah. Yes. No. So everything's fine. I'm going over going over to the, I don't know, work trip. Like, I have to sacrifice for a little bit of my savings this time because, like, it's a separate job kind of thing. Yeah. So yes. So I don't think my weekly wages. So I have to wait till I get paid from the this particular job. But now that's the worst. No. No. No. It's just that when I work for this this contract job, it's how long they can pay me on this. I pay annually. Yes. And normally, I do that. Yes. So it's only, I think, like, you know, maybe once a year to do, like, a trip overseas, and then they find it to the place to a completely different company. Yes. So so the no. They don't place they don't place no. No. It's just like a contract. It's a contract job. So I can put this into my account if I want to. That's just my main let me see if I can find a place that yeah. That's just for my main my main work because that's that's my that's my job. It's not just it's it's not just 15 to that. So, yeah, I would say maybe 3. 3,000. So yeah. Yeah. So my post is still true. I'm really sorry. I don't know if you want to. Okay. So does that does that does that make a difference in any way? Yeah. Okay. Oh, so just like for the savings thing? Yeah. It's not full. No. It's not. It's just like it's gone down to 4. It was more, but it's now just falling out. Just 31353. Mhmm. All all avenues, I would say. I don't have any paperwork, but I would say it is. Yes. Yep. Well, I do I I have, like, a 184 pairs with IAG, but I don't actually have that I don't have that handy, so I can tell you what. It's not it's not much at all. Mhmm. And what's the car that you've got? On the oh, okay. Yes. So that's changed. Yes. So I I have a a car that's oh my god. It's a Toyota Hilux GR four. So it's just me. GR four, and it's a '20 '24 model. I think, yeah, I think it was seventy it was I think it was 75 last year. So, yes, I was going with my baby. You know, it's past. I'm sorry. Thank you very much. Yes. I got I got it. I wanna say I wanna try, and I wanna try it there last year. And that but I've got it at this price at the moment. Yes. But I don't know. Sorry. No. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I But it's still like, if you bought it now, revenue, I think it's 87,900. Well, hopefully, if I got yes. I can sell it. I'd like to yep. I was gonna put it in a yeah. I was gonna just put it in off setting in my mortgage. But, yeah, I think once it was done, I would probably gonna give you guys a call to see what is the best thing to do, I think, which is what you're there for. Yes. Yes. Yes. Yes. Yes. Yes. Yes. Oh, okay. Okay. So I don't so that was already due for this time? Yep. No. No. I was just gonna double check it because I know I asked this. Obviously, with the super so I'm looking here again. The way the super close because then I went on to the app. It's like it's being invested. Is that right? It's been, like, invested in stuff, and that's how it's growing. Is that right? Yeah. Mhmm. Yes, ma'am. Mhmm. Yep. Yes. Yeah. I'm on a high risk. Mhmm. Okay. Yep. Okay. Yep. Yep. Yep. Yes. Okay, please. The second page. California. Yes. Yes. Okay. Okay. Mhmm. Yep. Yes. Okay. Okay. So the other thing I wanted to do was I don't know if if we need I'll speak about it now or once you're finished. Because I I just you know, you just waste a little bit of money on, like, shipping things, like, cost savings, etcetera. And I and I think when we were first rolling over to Hub twenty four, I was thinking about putting, like, more money in. So I was, like, thinking maybe $50 a week to start off with. It's like, do I tell my work to do that, or do I do that? Mhmm. Yep. Yep. Yep. Yes. Admin. I do not pay tax. Yes. Okay. Alright. So I could put more if I wanted to. Yeah. Okay. So it's $50.60 dollars in, like, a good amount for the time that I have to put extra in my circle. Yep. Okay. Mhmm. Mhmm. Yeah. Yep. Yes. Mhmm. Yep. Oh, okay. That's pretty good. Yeah. Yeah. Okay. Alright. So I yeah. Okay. So I I speak to my work and that's just something to do with my money too. Yeah? Okay. Okay. Yes. Okay. Yep. Alright. Yes. Okay. Mhmm. Well, I don't like being high risk. So whichever is gonna be the lower of the risk out of those. Yes. Sounds good. Okay. Thank you. Yeah. And I think I think I I'm pretty sure it was email postage. Oh, no. It was I filled out the form and she's for Emmanuel. Yes. $60.20 5 20 5. 602525. Oh, okay. Yes. Yeah. Well, if my one child is already there, a 100%. I wanna be sure. Yeah. Yeah. Okay. Yeah. Okay. Yeah. Yeah. Specific. Yep. Yep. Yes. So I think premiums high because they were it had to do with so we went it took so long to go from A and P to with with regards to '24 and to get the insurance that I wanted because a because I I was extremely honest and said that I see a doctor for a fatty liver. Yeah. But I'm on no medication. I take Panadol for headache. I'm on no medication at all. And they said, okay. So when all this changes so the doctor has actually changed me from, like, a six month visit to an annual visit because I wasn't that worried. So they said when things change, then I will have to my premium will probably change, but that's the reason I'm on such a high premium. Whereas, like, I mean, I'm not even like, I'm just an old person. I was just extremely honest about what I was doing, but, like, I if I just said no, like, you wouldn't even know the difference. You know what I'm saying? But I was just being honest because I didn't want anything to mess anything up if anything was to happen to me. But, basically, like so I saw him in November, and I don't have to see him till November with beforehand, it was every six months. Yeah. So I probably need to update that, but I don't know who who I'm updating that with. Mhmm. That'd be great. Yep. Yep. Yep. Yeah. But I don't think that was as visible, to be honest. Because, like, it's it's so Oh, I'm sure. But I think it is it was basically the fact that I was seeing specialist. I think that was Mhmm. That'll be great. Because I also like because I see an endocrinologist in my thyroid, which is normal. It's just it's normal, and I'm on no medication. We're basically waiting for the thyroid to basically give up as far as oh, how can I say? So it's like so at the moment, the thyroid has got antibodies, and so I see him because he he thinks that my thyroid is eventually gonna stop, like, having normal function, which means you have to go on medication. But right now, like, I've been been seeing seeing it for two years, and nothing has changed. But that was the other thing too. But, like, it's not like I've got cancer. You know? Way the way the way I felt like I was treated was like, I'm gonna die tomorrow, so they don't wanna risk me. You know? Oh, I'm so I'm so just people that are, like, 10 times worse. Like, I take painkillers. I take antihistamines if you get an allergic, you know, anything like sneeze, the high fever, whatever. But I was done I'm not even I keep going, keep going, and then eventually I said to them, I'm not even on medication for the condition that you have me down. Like so, like, theoretically, I don't even have these conditions because I'm just keeping an eye on it. I'm doing the right thing. I'm keeping an eye on it. Exactly. Yes. But it's like, oh my god. She's dying. I can cut and short her. Of course. Yes. Yes. Yes. That'll be fabulous. Thank you. Yep. Yep. No. I think I did 500. So 512 is a hard number. But yeah. Okay. Okay. Well, most of the time, I am twelve months free because I just do it probably every twelve months because it's a party. But I, like, I don't have to. Like, I honestly don't have to. Yep. Yep. Yes. Yep. Yeah. Well, I'll be curious to see what this meant about tonight. Maybe for this one year, maybe just later, and then definitely by the next the the time the policy is due again next time, I will guess it'll definitely be a month. Mhmm. Okay. Thank you. Sounds good. Mhmm. No. But I'm I'm good. I'm glad I'm glad we spoke about what we spoke. Yeah. So it's probably everything that I need. Need a few more. Yep. I don't have a will. No. I well, it would be my husband's. But I, like, I don't know if it I've actually got something, like, actually, like, on paper. Like, is that what you mean? No. I I'm definitely interested in a will because I was thinking I've been thinking about it. And I'm definitely interested in a will. It's just a matter of I don't know. I guess just getting help with it. Yes. Yeah. Yeah. I think I tried to get an appointment with I think I did. You know? I think I tried to get a an appointment with them. They've got a very long wait list, I think. But I need to I'm gonna try and find the email, and I'll try and touch base with them again. No. Not at all. Not at all. Yep. Yep. Yeah. Well, it's not like yeah. I don't have I don't yeah. I don't have a lot of stuff, but, yeah, I just want what I've been told because I don't have a word. It's quite bad. Yeah. Okay. Yeah. Okay. So New South Wales public no. No. Trust me. New South Wales Trust me. Just stop Yeah. No. No. That's the norm. Just I I see a lot of people being admitted, sir. So it's, like, definitely something that's on my agenda. Yep. I think we're good. Yep. Mhmm. So so is that in the bottom or is that at the top where it says sign documents? Mhmm. Yep. Yep. Yes. Okay. Oh, yep. You got yep. Is that alright to be sent? I mean, okay. Okay. So I can if I want to, I can draw. So do I do sign all or just sign? Mhmm. Okay. Okay. So take me to the next one. Oh, there's nothing else. On next. Yep. Okay. So that's done. No. I think I've gone through the questions that I needed to go through. Because I was just worried, like, the only thing worse, basically, you know, with everything going on in the world and but you're you're already fixing that with changing one of the investments anyway. Yep. Okay. Yes. Of course. No. No. Of course. Yes. That'll be great. But I wouldn't mind putting on top of that. Yeah. No. Of course. That is fine. Yeah. I mean, at least I still got the insurance because the last time I didn't have any of the insurance. Because I can't yeah. So at least it's insurance and yeah. If they can get me a better premium, it'll be amazing. Oh, okay. Yep. Yep. Thank you. No. Thank you so much. Thank you so much for the call. I look forward to hearing back about my premium. Yep. Yep. Okay. 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Hello? Hi, Tommy. Good. How are you?\n\nYes. Yes. Yes. All good. Yeah.\n\nOf course. Six of the first nineteen seventy two. Number 8 Yelversin, 27, New South Wales 2044. Sorry. Yeah.\n\nI got back last week, so it's all good. Yes. I would have been delirious last week. Yep. Yes.\n\nThank you. Yes. I can. I'll put you I'll I'll put you on my headphones so in that way I can have a look at it. Because, yeah, my son's using my laptop.\n\nSo just get my headphones. Sorry. Yep. Okay. Cool.\n\nOkay. So can you hear me okay? I know. It's not the best. Let me just speak.\n\nOkay. No. Not really. I guess it's just hearing what you guys have to say and how they're going, I guess. Yep.\n\nOkay. Yep. Yep. Yes. Oh, sorry.\n\nI'm muted. So I'm not used to these headphones. Yeah. Yeah. I know.\n\nBecause it's I don't think it's just not here. I don't know if it's just not here very well. I've gotta keep a document. I just have to clean change. Yeah.\n\nYes. No. So everything's fine. I'm going over going over to the, I don't know, work trip. Like, I have to sacrifice for a little bit of my savings this time because, like, it's a separate job kind of thing.\n\nYeah. So yes. So I don't think my weekly wages. So I have to wait till I get paid from the this particular job. But now that's the worst.\n\nNo. No. No. It's just that when I work for this this contract job, it's how long they can pay me on this. I pay annually.\n\nYes. And normally, I do that. Yes. So it's only, I think, like, you know, maybe once a year to do, like, a trip overseas, and then they find it to the place to a completely different company. Yes.\n\nSo so the no. They don't place they don't place no. No. It's just like a contract. It's a contract job.\n\nSo I can put this into my account if I want to. That's just my main let me see if I can find a place that yeah. That's just for my main my main work because that's that's my that's my job. It's not just it's it's not just 15 to that. So, yeah, I would say maybe 3.\n\n3,000. So yeah. Yeah. So my post is still true. I'm really sorry.\n\nI don't know if you want to. Okay. So does that does that does that make a difference in any way? Yeah. Okay.\n\nOh, so just like for the savings thing? Yeah. It's not full. No. It's not.\n\nIt's just like it's gone down to 4. It was more, but it's now just falling out. Just 31353. Mhmm. All all avenues, I would say.\n\nI don't have any paperwork, but I would say it is. Yes. Yep. Well, I do I I have, like, a 184 pairs with IAG, but I don't actually have that I don't have that handy, so I can tell you what. It's not it's not much at all.\n\nMhmm. And what's the car that you've got? On the oh, okay. Yes. So that's changed.\n\nYes. So I I have a a car that's oh my god. It's a Toyota Hilux GR four. So it's just me. GR four, and it's a '20 '24 model.\n\nI think, yeah, I think it was seventy it was I think it was 75 last year. So, yes, I was going with my baby. You know, it's past. I'm sorry. Thank you very much.\n\nYes. I got I got it. I wanna say I wanna try, and I wanna try it there last year. And that but I've got it at this price at the moment. Yes.\n\nBut I don't know. Sorry. No. I'm sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I But it's still like, if you bought it now, revenue, I think it's 87,900. Well, hopefully, if I got yes.\n\nI can sell it. I'd like to yep. I was gonna put it in a yeah. I was gonna just put it in off setting in my mortgage. But, yeah, I think once it was done, I would probably gonna give you guys a call to see what is the best thing to do, I think, which is what you're there for.\n\nYes. Yes. Yes. Yes. Yes.\n\nYes. Yes. Oh, okay. Okay. So I don't so that was already due for this time?\n\nYep. No. No. I was just gonna double check it because I know I asked this. Obviously, with the super so I'm looking here again.\n\nThe way the super close because then I went on to the app. It's like it's being invested. Is that right? It's been, like, invested in stuff, and that's how it's growing. Is that right?\n\nYeah. Mhmm. Yes, ma'am. Mhmm. Yep.\n\nYes. Yeah. I'm on a high risk. Mhmm. Okay.\n\nYep. Okay. Yep. Yep. Yep.\n\nYes. Okay, please. The second page. California. Yes.\n\nYes. Okay. Okay. Mhmm. Yep.\n\nYes. Okay. Okay. So the other thing I wanted to do was I don't know if if we need I'll speak about it now or once you're finished. Because I I just you know, you just waste a little bit of money on, like, shipping things, like, cost savings, etcetera.\n\nAnd I and I think when we were first rolling over to Hub twenty four, I was thinking about putting, like, more money in. So I was, like, thinking maybe $50 a week to start off with. It's like, do I tell my work to do that, or do I do that? Mhmm. Yep.\n\nYep. Yep. Yes. Admin. I do not pay tax.\n\nYes. Okay. Alright. So I could put more if I wanted to. Yeah.\n\nOkay. So it's $50.60 dollars in, like, a good amount for the time that I have to put extra in my circle. Yep. Okay. Mhmm.\n\nMhmm. Yeah. Yep. Yes. Mhmm.\n\nYep. Oh, okay. That's pretty good. Yeah. Yeah.\n\nOkay. Alright. So I yeah. Okay. So I I speak to my work and that's just something to do with my money too.\n\nYeah? Okay. Okay. Yes. Okay.\n\nYep. Alright. Yes. Okay. Mhmm.\n\nWell, I don't like being high risk. So whichever is gonna be the lower of the risk out of those. Yes. Sounds good. Okay.\n\nThank you. Yeah. And I think I think I I'm pretty sure it was email postage. Oh, no. It was I filled out the form and she's for Emmanuel.\n\nYes. $60.20 5 20 5. 602525. Oh, okay. Yes.\n\nYeah. Well, if my one child is already there, a 100%. I wanna be sure. Yeah. Yeah.\n\nOkay. Yeah. Okay. Yeah. Yeah.\n\nSpecific. Yep. Yep. Yes. So I think premiums high because they were it had to do with so we went it took so long to go from A and P to with with regards to '24 and to get the insurance that I wanted because a because I I was extremely honest and said that I see a doctor for a fatty liver.\n\nYeah. But I'm on no medication. I take Panadol for headache. I'm on no medication at all. And they said, okay.\n\nSo when all this changes so the doctor has actually changed me from, like, a six month visit to an annual visit because I wasn't that worried. So they said when things change, then I will have to my premium will probably change, but that's the reason I'm on such a high premium. Whereas, like, I mean, I'm not even like, I'm just an old person. I was just extremely honest about what I was doing, but, like, I if I just said no, like, you wouldn't even know the difference. You know what I'm saying?\n\nBut I was just being honest because I didn't want anything to mess anything up if anything was to happen to me. But, basically, like so I saw him in November, and I don't have to see him till November with beforehand, it was every six months. Yeah. So I probably need to update that, but I don't know who who I'm updating that with. Mhmm.\n\nThat'd be great. Yep. Yep. Yep. Yeah.\n\nBut I don't think that was as visible, to be honest. Because, like, it's it's so Oh, I'm sure. But I think it is it was basically the fact that I was seeing specialist. I think that was Mhmm. That'll be great.\n\nBecause I also like because I see an endocrinologist in my thyroid, which is normal. It's just it's normal, and I'm on no medication. We're basically waiting for the thyroid to basically give up as far as oh, how can I say? So it's like so at the moment, the thyroid has got antibodies, and so I see him because he he thinks that my thyroid is eventually gonna stop, like, having normal function, which means you have to go on medication. But right now, like, I've been been seeing seeing it for two years, and nothing has changed.\n\nBut that was the other thing too. But, like, it's not like I've got cancer. You know? Way the way the way I felt like I was treated was like, I'm gonna die tomorrow, so they don't wanna risk me. You know?\n\nOh, I'm so I'm so just people that are, like, 10 times worse. Like, I take painkillers. I take antihistamines if you get an allergic, you know, anything like sneeze, the high fever, whatever. But I was done I'm not even I keep going, keep going, and then eventually I said to them, I'm not even on medication for the condition that you have me down. Like so, like, theoretically, I don't even have these conditions because I'm just keeping an eye on it.\n\nI'm doing the right thing. I'm keeping an eye on it. Exactly. Yes. But it's like, oh my god.\n\nShe's dying. I can cut and short her. Of course. Yes. Yes.\n\nYes. That'll be fabulous. Thank you. Yep. Yep.\n\nNo. I think I did 500. So 512 is a hard number. But yeah. Okay.\n\nOkay. Well, most of the time, I am twelve months free because I just do it probably every twelve months because it's a party. But I, like, I don't have to. Like, I honestly don't have to. Yep.\n\nYep. Yes. Yep. Yeah. Well, I'll be curious to see what this meant about tonight.\n\nMaybe for this one year, maybe just later, and then definitely by the next the the time the policy is due again next time, I will guess it'll definitely be a month. Mhmm. Okay. Thank you. Sounds good.\n\nMhmm. No. But I'm I'm good. I'm glad I'm glad we spoke about what we spoke. Yeah.\n\nSo it's probably everything that I need. Need a few more. Yep. I don't have a will. No.\n\nI well, it would be my husband's. But I, like, I don't know if it I've actually got something, like, actually, like, on paper. Like, is that what you mean? No. I I'm definitely interested in a will because I was thinking I've been thinking about it.\n\nAnd I'm definitely interested in a will. It's just a matter of I don't know. I guess just getting help with it. Yes. Yeah.\n\nYeah. I think I tried to get an appointment with I think I did. You know? I think I tried to get a an appointment with them. They've got a very long wait list, I think.\n\nBut I need to I'm gonna try and find the email, and I'll try and touch base with them again. No. Not at all. Not at all. Yep.\n\nYep. Yeah. Well, it's not like yeah. I don't have I don't yeah. I don't have a lot of stuff, but, yeah, I just want what I've been told because I don't have a word.\n\nIt's quite bad. Yeah. Okay. Yeah. Okay.\n\nSo New South Wales public no. No. Trust me. New South Wales Trust me. Just stop Yeah.\n\nNo. No. That's the norm. Just I I see a lot of people being admitted, sir. So it's, like, definitely something that's on my agenda.\n\nYep. I think we're good. Yep. Mhmm. So so is that in the bottom or is that at the top where it says sign documents?\n\nMhmm. Yep. Yep. Yes. Okay.\n\nOh, yep. You got yep. Is that alright to be sent? I mean, okay. Okay.\n\nSo I can if I want to, I can draw. So do I do sign all or just sign? Mhmm. Okay. Okay.\n\nSo take me to the next one. Oh, there's nothing else. On next. Yep. Okay.\n\nSo that's done. No. I think I've gone through the questions that I needed to go through. Because I was just worried, like, the only thing worse, basically, you know, with everything going on in the world and but you're you're already fixing that with changing one of the investments anyway. Yep.\n\nOkay. Yes. Of course. No. No.\n\nOf course. Yes. That'll be great. But I wouldn't mind putting on top of that. Yeah.\n\nNo. Of course. That is fine. Yeah. I mean, at least I still got the insurance because the last time I didn't have any of the insurance.\n\nBecause I can't yeah. So at least it's insurance and yeah. If they can get me a better premium, it'll be amazing. Oh, okay. Yep.\n\nYep. Thank you. No. Thank you so much. Thank you so much for the call.\n\nI look forward to hearing back about my premium. Yep. Yep. Okay. Sounds good.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.010241647250950336},{"text":"Hello?","start":2.3999999,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.02459016628563404},{"text":"Hi, Tommy.","start":4.96,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.1124112457036972},{"text":"Good.","start":6.16,"end":6.48,"sentiment":"neutral","sentiment_score":0.3130202293395996},{"text":"How are you?","start":6.48,"end":7.22,"sentiment":"neutral","sentiment_score":0.24600650370121002}],"sentiment":"neutral","sentiment_score":0.16383675567340106,"num_words":8,"start":0.24,"end":7.22},{"sentences":[{"text":"Yes.","start":16.395,"end":16.635,"sentiment":"neutral","sentiment_score":0.10151297599077223},{"text":"Yes.","start":16.635,"end":16.875,"sentiment":"neutral","sentiment_score":0.10454955697059631},{"text":"Yes.","start":16.875,"end":17.195,"sentiment":"neutral","sentiment_score":0.18456563353538513},{"text":"All good.","start":17.195,"end":17.935,"sentiment":"positive","sentiment_score":0.45050957798957825},{"text":"Yeah.","start":27.435,"end":27.675,"sentiment":"neutral","sentiment_score":0.07721452414989471}],"sentiment":"neutral","sentiment_score":0.22814364110430083,"num_words":6,"start":16.395,"end":27.675},{"sentences":[{"text":"Of course.","start":27.675,"end":28.14,"sentiment":"neutral","sentiment_score":0.08685047551989555},{"text":"Six of the first nineteen seventy two.","start":37.42,"end":40.48,"sentiment":"neutral","sentiment_score":0.008060045739901918},{"text":"Number 8 Yelversin, 27, New South Wales 2044.","start":41.875,"end":44.754997,"sentiment":"neutral","sentiment_score":0.010933643905445933},{"text":"Sorry.","start":44.754997,"end":45.254997,"sentiment":"neutral","sentiment_score":0.163211852312088},{"text":"Yeah.","start":51.635,"end":51.875,"sentiment":"neutral","sentiment_score":0.1507747769355774}],"sentiment":"neutral","sentiment_score":0.03324089745843881,"num_words":19,"start":27.675,"end":51.875},{"sentences":[{"text":"I got back last week, so it's all good.","start":51.875,"end":53.714996,"sentiment":"neutral","sentiment_score":0.32706966665056014},{"text":"Yes.","start":53.714996,"end":53.954998,"sentiment":"neutral","sentiment_score":0.2288164496421814},{"text":"I would have been delirious last week.","start":53.954998,"end":56.055,"sentiment":"neutral","sentiment_score":0.24442516905920847},{"text":"Yep.","start":61.43,"end":61.93,"sentiment":"neutral","sentiment_score":0.021985162049531937},{"text":"Yes.","start":71.735,"end":72.055,"sentiment":"neutral","sentiment_score":0.07167474925518036}],"sentiment":"neutral","sentiment_score":0.2619515549587576,"num_words":19,"start":51.875,"end":72.055},{"sentences":[{"text":"Thank you.","start":72.055,"end":72.875,"sentiment":"neutral","sentiment_score":0.20317406952381134},{"text":"Yes.","start":79.975,"end":80.295,"sentiment":"neutral","sentiment_score":0.06893571466207504},{"text":"I can.","start":80.295,"end":81.115,"sentiment":"neutral","sentiment_score":0.07588589191436768},{"text":"I'll put you I'll I'll put you on my headphones so in that way I can have a look at it.","start":81.174995,"end":87.95,"sentiment":"neutral","sentiment_score":0.09662770267043795},{"text":"Because, yeah, my son's using my laptop.","start":89.53,"end":91.869995,"sentiment":"neutral","sentiment_score":0.0319257453083992}],"sentiment":"neutral","sentiment_score":0.08726417002352801,"num_words":33,"start":72.055,"end":91.869995},{"sentences":[{"text":"So just get my headphones.","start":92.009995,"end":95.61,"sentiment":"neutral","sentiment_score":0.0319082660600543},{"text":"Sorry.","start":95.61,"end":96.11,"sentiment":"neutral","sentiment_score":0.017273107543587685},{"text":"Yep.","start":104.685,"end":104.924995,"sentiment":"neutral","sentiment_score":0.04167063161730766},{"text":"Okay.","start":104.924995,"end":105.424995,"sentiment":"neutral","sentiment_score":0.03383645787835121},{"text":"Cool.","start":111.485,"end":111.884995,"sentiment":"neutral","sentiment_score":0.11249247193336488}],"sentiment":"neutral","sentiment_score":0.04053488880809811,"num_words":9,"start":92.009995,"end":111.884995},{"sentences":[{"text":"Okay.","start":111.884995,"end":112.384995,"sentiment":"neutral","sentiment_score":0.01662757620215416},{"text":"So can you hear me okay?","start":112.604996,"end":114.465,"sentiment":"neutral","sentiment_score":-0.007548493954042594},{"text":"I know.","start":117.33,"end":117.57001,"sentiment":"neutral","sentiment_score":-0.2581193447113037},{"text":"It's not the best.","start":117.57001,"end":118.71001,"sentiment":"negative","sentiment_score":-0.5440157353878021},{"text":"Let me just speak.","start":119.89001,"end":120.79,"sentiment":"neutral","sentiment_score":-0.106831144541502}],"sentiment":"neutral","sentiment_score":-0.1851935056859956,"num_words":17,"start":111.884995,"end":120.79},{"sentences":[{"text":"Okay.","start":127.73,"end":128.23001,"sentiment":"neutral","sentiment_score":0.17462150752544403},{"text":"No.","start":137.715,"end":137.955,"sentiment":"neutral","sentiment_score":-0.14115244150161743},{"text":"Not really.","start":137.955,"end":139.015,"sentiment":"neutral","sentiment_score":-0.12211864814162254},{"text":"I guess it's just hearing what you guys have to say and how they're going, I guess.","start":139.875,"end":145.16,"sentiment":"neutral","sentiment_score":-0.08696999882950503},{"text":"Yep.","start":148.82,"end":149.32,"sentiment":"neutral","sentiment_score":0.16139303147792816}],"sentiment":"neutral","sentiment_score":-0.06944841722195799,"num_words":22,"start":127.73,"end":149.32},{"sentences":[{"text":"Okay.","start":162.935,"end":163.435,"sentiment":"neutral","sentiment_score":0.12213335931301116},{"text":"Yep.","start":163.495,"end":163.995,"sentiment":"neutral","sentiment_score":0.21560147404670715},{"text":"Yep.","start":176.24,"end":176.74,"sentiment":"neutral","sentiment_score":0.2755635380744934},{"text":"Yes.","start":187.685,"end":188.185,"sentiment":"neutral","sentiment_score":0.1451885849237442},{"text":"Oh, sorry.","start":211.345,"end":211.905,"sentiment":"neutral","sentiment_score":-0.11399485543370247}],"sentiment":"neutral","sentiment_score":0.0884162075817585,"num_words":6,"start":162.935,"end":211.905},{"sentences":[{"text":"I'm muted.","start":211.905,"end":212.465,"sentiment":"neutral","sentiment_score":-0.22037719190120697},{"text":"So I'm not used to these headphones.","start":212.465,"end":213.925,"sentiment":"neutral","sentiment_score":-0.23933170522962297},{"text":"Yeah.","start":217.105,"end":217.345,"sentiment":"neutral","sentiment_score":-0.018624965101480484},{"text":"Yeah.","start":217.345,"end":217.505,"sentiment":"neutral","sentiment_score":-0.04035357758402824},{"text":"I know.","start":217.505,"end":218.145,"sentiment":"neutral","sentiment_score":-0.08856040984392166}],"sentiment":"neutral","sentiment_score":-0.18093659098331744,"num_words":13,"start":211.905,"end":218.145},{"sentences":[{"text":"Because it's I don't think it's just not here.","start":218.145,"end":220.305,"sentiment":"neutral","sentiment_score":-0.19670333051019245},{"text":"I don't know if it's just not here very well.","start":220.305,"end":221.825,"sentiment":"neutral","sentiment_score":-0.28071062415838244},{"text":"I've gotta keep a document.","start":221.825,"end":223.045,"sentiment":"neutral","sentiment_score":-0.1783911794424057},{"text":"I just have to clean change.","start":223.105,"end":224.545,"sentiment":"neutral","sentiment_score":-0.11937923232714336},{"text":"Yeah.","start":224.545,"end":225.045,"sentiment":"neutral","sentiment_score":0.03767243772745133}],"sentiment":"neutral","sentiment_score":-0.19832242160074173,"num_words":31,"start":218.145,"end":225.045},{"sentences":[{"text":"Yes.","start":231.09,"end":231.41,"sentiment":"neutral","sentiment_score":0.04718057066202164},{"text":"No.","start":231.41,"end":231.65001,"sentiment":"neutral","sentiment_score":-0.06002604216337204},{"text":"So everything's fine.","start":231.65001,"end":233.17,"sentiment":"neutral","sentiment_score":0.027840567131837208},{"text":"I'm going over going over to the, I don't know, work trip.","start":233.17,"end":237.99,"sentiment":"neutral","sentiment_score":-0.08158383487413327},{"text":"Like, I have to sacrifice for a little bit of my savings this time because, like, it's a separate job kind of thing.","start":239.345,"end":247.52501,"sentiment":"neutral","sentiment_score":-0.28976767996083136}],"sentiment":"neutral","sentiment_score":-0.18932466069236398,"num_words":40,"start":231.09,"end":247.52501},{"sentences":[{"text":"Yeah.","start":249.265,"end":249.765,"sentiment":"neutral","sentiment_score":-0.02078387141227722},{"text":"So yes.","start":250.38501,"end":252.065,"sentiment":"neutral","sentiment_score":-0.018599819391965866},{"text":"So I don't think my weekly wages.","start":252.065,"end":254.1,"sentiment":"neutral","sentiment_score":-0.2789681191955294},{"text":"So I have to wait till I get paid from the this particular job.","start":254.1,"end":258.2,"sentiment":"neutral","sentiment_score":-0.2898512344275202},{"text":"But now that's the worst.","start":259.7,"end":260.9,"sentiment":"negative","sentiment_score":-0.5624303042888641}],"sentiment":"neutral","sentiment_score":-0.30623548786187993,"num_words":29,"start":249.265,"end":260.9},{"sentences":[{"text":"No.","start":260.9,"end":261.4,"sentiment":"negative","sentiment_score":-0.41801074147224426},{"text":"No.","start":262.34,"end":262.5,"sentiment":"negative","sentiment_score":-0.39761167764663696},{"text":"No.","start":262.5,"end":262.66,"sentiment":"negative","sentiment_score":-0.38450077176094055},{"text":"It's just that when I work for this this contract job, it's how long they can pay me on this.","start":262.66,"end":267.3,"sentiment":"neutral","sentiment_score":-0.2790341690182686},{"text":"I pay annually.","start":267.3,"end":268.2,"sentiment":"neutral","sentiment_score":-0.09815944234530131}],"sentiment":"neutral","sentiment_score":-0.27212634224158067,"num_words":26,"start":260.9,"end":268.2},{"sentences":[{"text":"Yes.","start":270.825,"end":271.325,"sentiment":"neutral","sentiment_score":-0.0006716754287481308},{"text":"And normally, I do that.","start":271.545,"end":272.905,"sentiment":"neutral","sentiment_score":-0.030161844193935396},{"text":"Yes.","start":272.905,"end":273.145,"sentiment":"neutral","sentiment_score":-0.026535211130976677},{"text":"So it's only, I think, like, you know, maybe once a year to do, like, a trip overseas, and then they find it to the place to a completely different company.","start":273.145,"end":283.565,"sentiment":"neutral","sentiment_score":-0.12594993965279672},{"text":"Yes.","start":285.34,"end":285.82,"sentiment":"neutral","sentiment_score":-0.02250942774116993}],"sentiment":"neutral","sentiment_score":-0.10525573498736589,"num_words":39,"start":270.825,"end":285.82},{"sentences":[{"text":"So so the no.","start":285.82,"end":291.02002,"sentiment":"neutral","sentiment_score":-0.17200199700891972},{"text":"They don't place they don't place no.","start":291.02002,"end":292.46002,"sentiment":"neutral","sentiment_score":-0.2975702370916094},{"text":"No.","start":292.46002,"end":292.62,"sentiment":"neutral","sentiment_score":-0.32288405299186707},{"text":"It's just like a contract.","start":292.62,"end":293.90002,"sentiment":"neutral","sentiment_score":-0.22565714716911317},{"text":"It's a contract job.","start":293.90002,"end":294.78,"sentiment":"neutral","sentiment_score":-0.14052120223641396}],"sentiment":"neutral","sentiment_score":-0.22782163073619208,"num_words":21,"start":285.82,"end":294.78},{"sentences":[{"text":"So I can put this into my account if I want to.","start":294.78,"end":297.36002,"sentiment":"neutral","sentiment_score":-0.05957841873168945},{"text":"That's just my main let me see if I can find a place that yeah.","start":306.975,"end":310.49503,"sentiment":"neutral","sentiment_score":0.17024886508782705},{"text":"That's just for my main my main work because that's that's my that's my job.","start":310.49503,"end":316.4,"sentiment":"neutral","sentiment_score":0.2170781522989273},{"text":"It's not just it's it's not just 15 to that.","start":325.815,"end":331.675,"sentiment":"neutral","sentiment_score":-0.008830085396766659},{"text":"So, yeah, I would say maybe 3.","start":333.175,"end":337.035,"sentiment":"neutral","sentiment_score":0.03171366399952343}],"sentiment":"neutral","sentiment_score":0.08862133949237355,"num_words":59,"start":294.78,"end":337.035},{"sentences":[{"text":"3,000.","start":339.13998,"end":339.96,"sentiment":"neutral","sentiment_score":0.04154325649142265},{"text":"So yeah.","start":340.65997,"end":341.56,"sentiment":"neutral","sentiment_score":0.06621065735816956},{"text":"Yeah.","start":342.25998,"end":342.5,"sentiment":"neutral","sentiment_score":0.07144846767187119},{"text":"So my post is still true.","start":342.5,"end":343.93997,"sentiment":"neutral","sentiment_score":-0.03192822324732939},{"text":"I'm really sorry.","start":343.93997,"end":344.65997,"sentiment":"negative","sentiment_score":-0.4375345508257548}],"sentiment":"neutral","sentiment_score":-0.09682768869858521,"num_words":13,"start":339.13998,"end":344.65997},{"sentences":[{"text":"I don't know if you want to.","start":344.65997,"end":346.03998,"sentiment":"negative","sentiment_score":-0.37906708461897715},{"text":"Okay.","start":359.255,"end":359.73502,"sentiment":"neutral","sentiment_score":0.11509162187576294},{"text":"So does that does that does that make a difference in any way?","start":359.73502,"end":362.795,"sentiment":"neutral","sentiment_score":0.15684789419174194},{"text":"Yeah.","start":364.11,"end":364.61,"sentiment":"neutral","sentiment_score":-0.0760640799999237},{"text":"Okay.","start":371.1525,"end":371.6525,"sentiment":"neutral","sentiment_score":0.0037106527015566826}],"sentiment":"neutral","sentiment_score":-0.024856903185339077,"num_words":23,"start":344.65997,"end":371.6525},{"sentences":[{"text":"Oh, so just like for the savings thing?","start":388.915,"end":391.095,"sentiment":"neutral","sentiment_score":0.01351029728539288},{"text":"Yeah.","start":394.01,"end":394.25,"sentiment":"neutral","sentiment_score":-0.00889648124575615},{"text":"It's not full.","start":394.25,"end":395.23,"sentiment":"neutral","sentiment_score":-0.09667364259560902},{"text":"No.","start":395.93,"end":396.33,"sentiment":"neutral","sentiment_score":-0.2526770234107971},{"text":"It's not.","start":396.33,"end":397.13,"sentiment":"neutral","sentiment_score":-0.3047501742839813}],"sentiment":"neutral","sentiment_score":-0.07020082684854666,"num_words":15,"start":388.915,"end":397.13},{"sentences":[{"text":"It's just like it's gone down to 4.","start":397.13,"end":399.37,"sentiment":"neutral","sentiment_score":-0.29592383839190006},{"text":"It was more, but it's now just falling out.","start":399.37,"end":401.47,"sentiment":"neutral","sentiment_score":-0.3251310173008177},{"text":"Just 31353.","start":423.61,"end":426.11,"sentiment":"neutral","sentiment_score":0.005804102402180433},{"text":"Mhmm.","start":431.37,"end":431.87,"sentiment":"neutral","sentiment_score":0.1707051545381546},{"text":"All all avenues, I would say.","start":439.565,"end":441.345,"sentiment":"neutral","sentiment_score":0.10726145034035046}],"sentiment":"neutral","sentiment_score":-0.17183414620992082,"num_words":26,"start":397.13,"end":441.345},{"sentences":[{"text":"I don't have any paperwork, but I would say it is.","start":442.92502,"end":445.905,"sentiment":"neutral","sentiment_score":-0.06068696979094635},{"text":"Yes.","start":446.045,"end":446.545,"sentiment":"neutral","sentiment_score":0.06923118233680725},{"text":"Yep.","start":451.57,"end":452.07,"sentiment":"neutral","sentiment_score":0.26588305830955505},{"text":"Well, I do I I have, like, a 184 pairs with IAG, but I don't actually have that I don't have that handy, so I can tell you what.","start":486.13998,"end":499.215,"sentiment":"neutral","sentiment_score":-0.061281855434885825},{"text":"It's not it's not much at all.","start":499.215,"end":500.835,"sentiment":"neutral","sentiment_score":-0.2863476553133556}],"sentiment":"neutral","sentiment_score":-0.08396020044610665,"num_words":49,"start":442.92502,"end":500.835},{"sentences":[{"text":"Mhmm.","start":520.37,"end":520.87,"sentiment":"neutral","sentiment_score":0.00666757021099329},{"text":"And what's the car that you've got?","start":520.93,"end":522.63,"sentiment":"neutral","sentiment_score":-0.010920887147741658},{"text":"On the oh, okay.","start":523.635,"end":530.195,"sentiment":"neutral","sentiment_score":-0.007861083606258035},{"text":"Yes.","start":530.195,"end":530.695,"sentiment":"neutral","sentiment_score":0.021336589008569717},{"text":"So that's 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I think it was seventy it was I think it was 75 last year.","start":567.89,"end":571.49,"sentiment":"neutral","sentiment_score":-0.008407879798837444},{"text":"So, yes, I was going with my baby.","start":571.49,"end":573.35,"sentiment":"neutral","sentiment_score":-0.005314415553584695},{"text":"You know, it's past.","start":573.73,"end":574.61,"sentiment":"neutral","sentiment_score":-0.06206495966762304},{"text":"I'm sorry.","start":574.61,"end":575.01,"sentiment":"neutral","sentiment_score":-0.16988560557365417},{"text":"Thank you very much.","start":575.01,"end":575.99,"sentiment":"neutral","sentiment_score":0.2533372640609741}],"sentiment":"neutral","sentiment_score":0.0068533921547766245,"num_words":35,"start":567.89,"end":575.99},{"sentences":[{"text":"Yes.","start":594.58997,"end":594.82996,"sentiment":"neutral","sentiment_score":0.09129926562309264},{"text":"I got I got it.","start":594.82996,"end":595.55,"sentiment":"neutral","sentiment_score":0.09107531011104583},{"text":"I wanna say I wanna try, and I wanna try it there last year.","start":595.55,"end":598.69,"sentiment":"neutral","sentiment_score":0.10188860126904078},{"text":"And that but I've got it at this price at the moment.","start":600.58997,"end":604.29,"sentiment":"neutral","sentiment_score":0.01193982403492555},{"text":"Yes.","start":608.46497,"end":608.865,"sentiment":"neutral","sentiment_score":0.0023825187236070633}],"sentiment":"neutral","sentiment_score":0.0642053527602305,"num_words":33,"start":594.58997,"end":608.865},{"sentences":[{"text":"But I don't know.","start":608.865,"end":610.08496,"sentiment":"neutral","sentiment_score":-0.08695410192012787},{"text":"Sorry.","start":610.305,"end":610.70496,"sentiment":"neutral","sentiment_score":-0.13091030716896057},{"text":"No.","start":610.70496,"end":610.94495,"sentiment":"neutral","sentiment_score":-0.17757058143615723},{"text":"I'm 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the other thing I wanted to do was I don't know if if we need I'll speak about it now or once you're finished.","start":991.47,"end":997.97,"sentiment":"neutral","sentiment_score":-0.03411364331841469},{"text":"Because I I just you know, you just waste a little bit of money on, like, shipping things, like, cost savings, etcetera.","start":999.245,"end":1004.045,"sentiment":"neutral","sentiment_score":-0.2551346956328912}],"sentiment":"neutral","sentiment_score":-0.12390074625611305,"num_words":50,"start":979.705,"end":1004.045},{"sentences":[{"text":"And I and I think when we were first rolling over to Hub twenty four, I was thinking about putting, like, more money in.","start":1004.045,"end":1012.64996,"sentiment":"neutral","sentiment_score":-0.052372671430930495},{"text":"So I was, like, thinking maybe $50 a week to start off with.","start":1012.64996,"end":1015.79,"sentiment":"neutral","sentiment_score":-0.039697983087255403},{"text":"It's like, do I tell my work to do that, or do I 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I don't like being high risk.","start":1315.715,"end":1318.035,"sentiment":"neutral","sentiment_score":-0.1647728415472167},{"text":"So whichever is gonna be the lower of the risk out of those.","start":1318.035,"end":1322.0549,"sentiment":"neutral","sentiment_score":-0.07581679207774308},{"text":"Yes.","start":1330.76,"end":1331.26,"sentiment":"neutral","sentiment_score":0.032508254051208496},{"text":"Sounds good.","start":1343.535,"end":1344.355,"sentiment":"positive","sentiment_score":0.36285707354545593},{"text":"Okay.","start":1352.3351,"end":1352.8351,"sentiment":"neutral","sentiment_score":0.07017648220062256}],"sentiment":"neutral","sentiment_score":-0.05460955435410142,"num_words":24,"start":1315.715,"end":1352.8351},{"sentences":[{"text":"Thank you.","start":1353.98,"end":1360.1399,"sentiment":"neutral","sentiment_score":0.0826658196747303},{"text":"Yeah.","start":1360.1399,"end":1360.46,"sentiment":"neutral","sentiment_score":0.02605609782040119},{"text":"And I think I think I I'm pretty sure it was email postage.","start":1360.46,"end":1365.5199,"sentiment":"neutral","sentiment_score":0.006009187647857918},{"text":"Oh, no.","start":1392.66,"end":1393.06,"sentiment":"neutral","sentiment_score":-0.012311023660004139},{"text":"It was I filled out the form and she's for Emmanuel.","start":1393.06,"end":1396.835,"sentiment":"neutral","sentiment_score":-0.009590565565634857}],"sentiment":"neutral","sentiment_score":0.004806514070690449,"num_words":29,"start":1353.98,"end":1396.835},{"sentences":[{"text":"Yes.","start":1401.455,"end":1401.855,"sentiment":"neutral","sentiment_score":0.0007541035301983356},{"text":"$60.20 5 20 5.","start":1401.855,"end":1403.715,"sentiment":"neutral","sentiment_score":-0.002452984801493585},{"text":"602525.","start":1406.815,"end":1408.675,"sentiment":"neutral","sentiment_score":-0.003103617113083601},{"text":"Oh, 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I think premiums high because they were it had to do with so we went it took so long to go from A and P to with with regards to '24 and to get the insurance that I wanted because a because I I was extremely honest and said that I see a doctor for a fatty liver.","start":1486.925,"end":1511.585,"sentiment":"neutral","sentiment_score":-0.08060800025271157}],"sentiment":"neutral","sentiment_score":-0.07007993447283904,"num_words":63,"start":1463.97,"end":1511.585},{"sentences":[{"text":"Yeah.","start":1513.8049,"end":1514.0449,"sentiment":"neutral","sentiment_score":0.04360391199588776},{"text":"But I'm on no medication.","start":1514.0449,"end":1515.265,"sentiment":"neutral","sentiment_score":-0.0607624888420105},{"text":"I take Panadol for headache.","start":1515.725,"end":1517.745,"sentiment":"neutral","sentiment_score":-0.00812995433807373},{"text":"I'm on no medication at all.","start":1518.31,"end":1520.0901,"sentiment":"neutral","sentiment_score":-0.019483106676489115},{"text":"And they said, okay.","start":1522.0701,"end":1523.43,"sentiment":"neutral","sentiment_score":0.057336012832820415}],"sentiment":"neutral","sentiment_score":-0.00897204250629459,"num_words":21,"start":1513.8049,"end":1523.43},{"sentences":[{"text":"So when all this changes so the doctor has actually changed me from, like, a six month visit to an annual visit because I wasn't that worried.","start":1523.43,"end":1532.735,"sentiment":"neutral","sentiment_score":0.015545104664784891},{"text":"So they said when things change, then I will have to my premium will probably change, but that's the reason I'm on such a high premium.","start":1532.735,"end":1539.955,"sentiment":"neutral","sentiment_score":-0.1316828690469265},{"text":"Whereas, like, I mean, I'm not even like, I'm just an old person.","start":1540.975,"end":1544.735,"sentiment":"neutral","sentiment_score":-0.25680749347576726},{"text":"I was just extremely honest about what I was doing, but, like, I if I just said no, like, you 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all.","start":2032.985,"end":2033.805,"sentiment":"neutral","sentiment_score":-0.3040599475304286},{"text":"Yep.","start":2042.8099,"end":2043.3099,"sentiment":"neutral","sentiment_score":0.16535277664661407}],"sentiment":"neutral","sentiment_score":-0.06838955743504423,"num_words":28,"start":2019.8099,"end":2043.3099},{"sentences":[{"text":"Yep.","start":2045.85,"end":2046.35,"sentiment":"neutral","sentiment_score":0.0702197328209877},{"text":"Yeah.","start":2050.49,"end":2050.73,"sentiment":"neutral","sentiment_score":0.024724029004573825},{"text":"Well, it's not like yeah.","start":2050.73,"end":2051.53,"sentiment":"neutral","sentiment_score":-0.2498540922999382},{"text":"I don't have I don't yeah.","start":2051.53,"end":2052.97,"sentiment":"neutral","sentiment_score":-0.197782501578331},{"text":"I don't have a lot of stuff, but, yeah, I just want what I've been told because I don't have a word.","start":2052.97,"end":2057.395,"sentiment":"neutral","sentiment_score":-0.2595613964579322}],"sentiment":"neutral","sentiment_score":-0.23003921232053212,"num_words":35,"start":2045.85,"end":2057.395},{"sentences":[{"text":"It's quite bad.","start":2057.395,"end":2058.295,"sentiment":"negative","sentiment_score":-0.4267595609029134},{"text":"Yeah.","start":2060.275,"end":2060.775,"sentiment":"neutral","sentiment_score":0.006786550395190716},{"text":"Okay.","start":2066.835,"end":2067.335,"sentiment":"neutral","sentiment_score":0.0065986840054392815},{"text":"Yeah.","start":2070.675,"end":2071.175,"sentiment":"neutral","sentiment_score":0.019360482692718502},{"text":"Okay.","start":2089.6348,"end":2090.1348,"sentiment":"neutral","sentiment_score":-0.0018826043233275416}],"sentiment":"neutral","sentiment_score":-0.17848793856267417,"num_words":7,"start":2057.395,"end":2090.1348},{"sentences":[{"text":"So New South Wales public no.","start":2090.4348,"end":2092.835,"sentiment":"neutral","sentiment_score":-0.026158174499869347},{"text":"No.","start":2092.835,"end":2093.1548,"sentiment":"neutral","sentiment_score":-0.09420183300971983},{"text":"Trust me.","start":2093.1548,"end":2093.9749,"sentiment":"neutral","sentiment_score":-0.05187166854739189},{"text":"New South Wales Trust me.","start":2094.035,"end":2095.575,"sentiment":"neutral","sentiment_score":-0.014098834805190563},{"text":"Just stop Yeah.","start":2097.795,"end":2115.605,"sentiment":"neutral","sentiment_score":-0.10296669602394104}],"sentiment":"neutral","sentiment_score":-0.043193439953029156,"num_words":17,"start":2090.4348,"end":2115.605},{"sentences":[{"text":"No.","start":2115.605,"end":2115.7651,"sentiment":"neutral","sentiment_score":-0.2048930525779724},{"text":"No.","start":2115.7651,"end":2115.925,"sentiment":"neutral","sentiment_score":-0.2426285445690155},{"text":"That's the norm.","start":2115.925,"end":2116.485,"sentiment":"neutral","sentiment_score":-0.2782428314288457},{"text":"Just I I see a lot of people being admitted, sir.","start":2116.485,"end":2118.565,"sentiment":"neutral","sentiment_score":-0.10165456953373822},{"text":"So it's, like, definitely something that's on my agenda.","start":2118.565,"end":2121.7852,"sentiment":"neutral","sentiment_score":0.07451396104362276}],"sentiment":"neutral","sentiment_score":-0.06919298827648163,"num_words":25,"start":2115.605,"end":2121.7852},{"sentences":[{"text":"Yep.","start":2128.28,"end":2128.78,"sentiment":"neutral","sentiment_score":0.23951107263565063},{"text":"I think we're good.","start":2128.84,"end":2129.98,"sentiment":"positive","sentiment_score":0.43230337649583817},{"text":"Yep.","start":2134.04,"end":2134.54,"sentiment":"neutral","sentiment_score":0.1402796506881714},{"text":"Mhmm.","start":2139.045,"end":2139.545,"sentiment":"neutral","sentiment_score":0.04956890642642975},{"text":"So so is that in the bottom or is that at the top where it says sign documents?","start":2147.6848,"end":2151.9448,"sentiment":"neutral","sentiment_score":0.020779713936563995}],"sentiment":"neutral","sentiment_score":0.10130431946367026,"num_words":25,"start":2128.28,"end":2151.9448},{"sentences":[{"text":"Mhmm.","start":2156.52,"end":2157.02,"sentiment":"neutral","sentiment_score":0.04048517346382141},{"text":"Yep.","start":2160.5999,"end":2161.0999,"sentiment":"neutral","sentiment_score":0.08202483505010605},{"text":"Yep.","start":2164.76,"end":2165.26,"sentiment":"neutral","sentiment_score":0.0025334209203720093},{"text":"Yes.","start":2178.775,"end":2179.275,"sentiment":"positive","sentiment_score":0.34620019793510437},{"text":"Okay.","start":2195.085,"end":2195.405,"sentiment":"neutral","sentiment_score":0.2029365301132202}],"sentiment":"neutral","sentiment_score":0.13483603149652482,"num_words":5,"start":2156.52,"end":2195.405},{"sentences":[{"text":"Oh, yep.","start":2195.405,"end":2195.885,"sentiment":"neutral","sentiment_score":0.23366821557283401},{"text":"You got yep.","start":2195.885,"end":2197.425,"sentiment":"neutral","sentiment_score":0.23755034804344177},{"text":"Is that alright to be sent?","start":2205.965,"end":2207.425,"sentiment":"neutral","sentiment_score":0.17101433873176575},{"text":"I mean, okay.","start":2207.485,"end":2218.01,"sentiment":"neutral","sentiment_score":0.05273119856913885},{"text":"Okay.","start":2218.01,"end":2218.51,"sentiment":"neutral","sentiment_score":0.05733530595898628}],"sentiment":"neutral","sentiment_score":0.16144016062219937,"num_words":15,"start":2195.405,"end":2218.51},{"sentences":[{"text":"So I can if I want to, I can draw.","start":2219.37,"end":2221.47,"sentiment":"neutral","sentiment_score":0.049401255510747435},{"text":"So do I do sign all or just sign?","start":2233.645,"end":2236.225,"sentiment":"neutral","sentiment_score":0.06078958407872253},{"text":"Mhmm.","start":2236.8,"end":2237.3,"sentiment":"neutral","sentiment_score":0.02161165326833725},{"text":"Okay.","start":2244.24,"end":2244.74,"sentiment":"neutral","sentiment_score":0.06424743682146072},{"text":"Okay.","start":2246.1602,"end":2246.56,"sentiment":"neutral","sentiment_score":0.08874789625406265}],"sentiment":"neutral","sentiment_score":0.055260263552719895,"num_words":22,"start":2219.37,"end":2246.56},{"sentences":[{"text":"So take me to the next one.","start":2246.56,"end":2248.0,"sentiment":"neutral","sentiment_score":0.08668213337659836},{"text":"Oh, there's nothing else.","start":2248.0,"end":2249.145,"sentiment":"neutral","sentiment_score":0.10523190163075924},{"text":"On next.","start":2250.425,"end":2255.225,"sentiment":"neutral","sentiment_score":0.1835322231054306},{"text":"Yep.","start":2255.225,"end":2255.725,"sentiment":"neutral","sentiment_score":0.28062132000923157},{"text":"Okay.","start":2279.4248,"end":2279.9248,"sentiment":"neutral","sentiment_score":0.25959837436676025}],"sentiment":"neutral","sentiment_score":0.12899911204973857,"num_words":15,"start":2246.56,"end":2279.9248},{"sentences":[{"text":"So that's done.","start":2282.785,"end":2284.645,"sentiment":"positive","sentiment_score":0.33926961819330853},{"text":"No.","start":2296.01,"end":2296.33,"sentiment":"neutral","sentiment_score":-0.1753893494606018},{"text":"I think I've gone through the questions that I needed to go through.","start":2296.33,"end":2299.23,"sentiment":"neutral","sentiment_score":-0.13950293511152267},{"text":"Because I was just worried, like, the only thing worse, basically, you know, with everything going on in the world and but you're you're already fixing that with changing one of the investments anyway.","start":2299.53,"end":2308.91,"sentiment":"neutral","sentiment_score":-0.26245032995939255},{"text":"Yep.","start":2339.455,"end":2339.955,"sentiment":"neutral","sentiment_score":0.1789805144071579}],"sentiment":"neutral","sentiment_score":-0.18683556452966654,"num_words":52,"start":2282.785,"end":2339.955},{"sentences":[{"text":"Okay.","start":2347.055,"end":2347.555,"sentiment":"neutral","sentiment_score":0.03035897761583328},{"text":"Yes.","start":2355.95,"end":2356.19,"sentiment":"neutral","sentiment_score":0.020400546491146088},{"text":"Of course.","start":2356.19,"end":2356.85,"sentiment":"neutral","sentiment_score":0.024262462742626667},{"text":"No.","start":2357.07,"end":2357.31,"sentiment":"neutral","sentiment_score":-0.007318420335650444},{"text":"No.","start":2357.31,"end":2357.47,"sentiment":"neutral","sentiment_score":-0.020779987797141075}],"sentiment":"neutral","sentiment_score":0.011864340243240198,"num_words":6,"start":2347.055,"end":2357.47},{"sentences":[{"text":"Of course.","start":2357.47,"end":2357.87,"sentiment":"neutral","sentiment_score":0.011054742150008678},{"text":"Yes.","start":2357.87,"end":2358.27,"sentiment":"neutral","sentiment_score":0.07124271988868713},{"text":"That'll be great.","start":2358.27,"end":2358.99,"sentiment":"neutral","sentiment_score":0.2508448660373688},{"text":"But I wouldn't mind putting on top of that.","start":2358.99,"end":2360.85,"sentiment":"neutral","sentiment_score":-0.003961305444439252},{"text":"Yeah.","start":2366.875,"end":2367.375,"sentiment":"neutral","sentiment_score":-0.046476904302835464}],"sentiment":"neutral","sentiment_score":0.04773488431237638,"num_words":16,"start":2357.47,"end":2367.375},{"sentences":[{"text":"No.","start":2368.955,"end":2369.0352,"sentiment":"neutral","sentiment_score":-0.06693069636821747},{"text":"Of course.","start":2369.0352,"end":2369.5952,"sentiment":"neutral","sentiment_score":-0.04471882991492748},{"text":"That is fine.","start":2369.5952,"end":2370.475,"sentiment":"neutral","sentiment_score":-0.02107218063126008},{"text":"Yeah.","start":2370.475,"end":2370.7952,"sentiment":"neutral","sentiment_score":-0.016140958294272423},{"text":"I mean, at least I still got the insurance because the last time I didn't have any of the insurance.","start":2370.7952,"end":2374.735,"sentiment":"neutral","sentiment_score":-0.056641724240034816}],"sentiment":"neutral","sentiment_score":-0.05068742004395635,"num_words":27,"start":2368.955,"end":2374.735},{"sentences":[{"text":"Because I can't yeah.","start":2375.7551,"end":2377.355,"sentiment":"neutral","sentiment_score":-0.03136423323303461},{"text":"So at least it's insurance and yeah.","start":2377.355,"end":2380.45,"sentiment":"neutral","sentiment_score":0.12213058343955449},{"text":"If they can get me a better premium, it'll be amazing.","start":2380.45,"end":2382.3901,"sentiment":"positive","sentiment_score":0.3493512272834778},{"text":"Oh, okay.","start":2392.1301,"end":2392.95,"sentiment":"neutral","sentiment_score":0.09091309830546379},{"text":"Yep.","start":2401.645,"end":2402.145,"sentiment":"neutral","sentiment_score":0.0927460640668869}],"sentiment":"neutral","sentiment_score":0.19387571647763252,"num_words":25,"start":2375.7551,"end":2402.145},{"sentences":[{"text":"Yep.","start":2411.65,"end":2411.97,"sentiment":"positive","sentiment_score":0.36867475509643555},{"text":"Thank you.","start":2411.97,"end":2412.63,"sentiment":"positive","sentiment_score":0.5667306184768677},{"text":"No.","start":2412.8499,"end":2413.0898,"sentiment":"neutral","sentiment_score":0.11117997765541077},{"text":"Thank you so much.","start":2413.0898,"end":2413.65,"sentiment":"positive","sentiment_score":0.5848495960235596},{"text":"Thank you so much for the call.","start":2413.65,"end":2415.1099,"sentiment":"positive","sentiment_score":0.799336918762752}],"sentiment":"positive","sentiment_score":0.6365381856759389,"num_words":15,"start":2411.65,"end":2415.1099},{"sentences":[{"text":"I look forward to hearing back about my premium.","start":2415.41,"end":2417.75,"sentiment":"positive","sentiment_score":0.661631895436181},{"text":"Yep.","start":2422.215,"end":2422.715,"sentiment":"neutral","sentiment_score":0.30249762535095215},{"text":"Yep.","start":2429.8152,"end":2430.3152,"sentiment":"neutral","sentiment_score":0.1729254424571991},{"text":"Okay.","start":2435.175,"end":2435.675,"sentiment":"positive","sentiment_score":0.4425314664840698},{"text":"Sounds good.","start":2435.8152,"end":2436.635,"sentiment":"positive","sentiment_score":0.7188049554824829}],"sentiment":"positive","sentiment_score":0.5935893931559154,"num_words":14,"start":2415.41,"end":2436.635}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Hello?\n\nChannel 0: Good afternoon, Halima. It's Tommy here from Oakview\n\nChannel 1: Hi,\n\nChannel 0: Financial.\n\nChannel 1: Tommy.\n\nChannel 0: How are you doing?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm doing absolutely fantastic. I'm not sure whether we had it scheduled for three or 04:00, so I just wanted to double check with you if you still had some time for me.\n\nChannel 1: Yes. Yes. Yes. All good.\n\nChannel 0: Perfect. Before I jump into it, I will send you out a bit of an email review pack and just quickly check security with you if that's okay.\n\nChannel 1: Yeah. Of course.\n\nChannel 0: Sensational. So I'm registered with ASIC as adviser one two seven three one zero five. Could you please confirm your date of birth and address?\n\nChannel 1: Six of the first nineteen seventy two. Number 8 Yelversin, 27, New South Wales 2044. Sorry.\n\nChannel 0: Amazing. Thank you so much for that. How have you been going? I know we we miss each other when you got back from overseas. Was your\n\nChannel 1: Yeah.\n\nChannel 0: trip\n\nChannel 1: I\n\nChannel 0: good?\n\nChannel 1: got back last week, so it's all good. Yes. I would have been delirious last week.\n\nChannel 0: No. Totally fair. And I don't want to be trying to throw all this finance jargon at you while you're trying to sleep,\n\nChannel 1: Yep.\n\nChannel 0: so that's totally fair. Halima, I've got your email address for your Gmail account listed. Are you okay for me to send the pack through to that?\n\nChannel 1: Yes. Thank you.\n\nChannel 0: Perfect. Will you be able to look onto the documents with me, or should I just walk you through them?\n\nChannel 1: Yes. I can. I'll put you I'll I'll put you on my headphones so in that way I\n\nChannel 0: Yep.\n\nChannel 1: can have a look at it.\n\nChannel 0: No worries.\n\nChannel 1: Because, yeah, my son's using my laptop. So just get\n\nChannel 0: That's\n\nChannel 1: my headphones.\n\nChannel 0: okay.\n\nChannel 1: Sorry.\n\nChannel 0: What I'll do to start with as well is we'll update a few details, and I'll go through a few ideas with you. And then there's only a couple of documents I wanted to walk you through as well.\n\nChannel 1: Yep. Okay.\n\nChannel 0: K. Can you hear me okay on the headphones?\n\nChannel 1: Cool. Okay. So can you hear me okay?\n\nChannel 0: It's a little bit muffled, but I do have you.\n\nChannel 1: I know. It's not the best.\n\nChannel 0: Actually,\n\nChannel 1: Let me just\n\nChannel 0: I\n\nChannel 1: speak.\n\nChannel 0: can make that out. That's fine. I'll just make sure everyone around me doesn't start making a party in the background, and I should be perfectly fine.\n\nChannel 1: Okay.\n\nChannel 0: Aleema, is there anything in particular you're hoping to get out of this annual review I get started?\n\nChannel 1: No. Not really. I guess it's just hearing what you guys have to say and how they're going, I guess.\n\nChannel 0: Yeah. Just a bit of a general update on how things are going.\n\nChannel 1: Yep.\n\nChannel 0: No worries. Now I've got a few details here in our system from your last review. So I was just gonna briefly start there and just see if there's been any significant changes and if the details on our system is accurate. Is that okay?\n\nChannel 1: Okay. Yep.\n\nChannel 0: Cool. I've got you listed here as married to Christian with Emmanuel and Zachariah as your children. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: We've got Gmail's fine. Phone number is fine. We had you listed as a hairdresser earning 88,000 per year with balance.\n\nChannel 1: Yes.\n\nChannel 0: Alrighty. And putting aside maybe 300 a week on average in terms of savings, how are you going with all the cost of living? Let me do I still have you there? If you can hear me, I've just had the sound cut out for a moment.\n\nChannel 1: Oh, sorry. I'm muted. So I'm not used to these headphones.\n\nChannel 0: That's okay. I do the same thing every time when I touch\n\nChannel 1: Yeah.\n\nChannel 0: it on\n\nChannel 1: Yeah.\n\nChannel 0: my\n\nChannel 1: I\n\nChannel 0: ear,\n\nChannel 1: know.\n\nChannel 0: it just hits\n\nChannel 1: Because\n\nChannel 0: the mute\n\nChannel 1: it's\n\nChannel 0: or\n\nChannel 1: I\n\nChannel 0: hang\n\nChannel 1: don't\n\nChannel 0: up\n\nChannel 1: think\n\nChannel 0: button.\n\nChannel 1: it's just not here. I don't know if it's just not here very well. I've gotta keep a document. I just have to clean change. Yeah.\n\nChannel 0: That's okay. I was just checking in terms of savings and cost of living with you.\n\nChannel 1: Yes. No. So everything's fine. I'm going over going over to the, I don't know, work trip. Like, I have to sacrifice for a little bit of my savings this time because, like, it's a separate job kind of thing.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So\n\nChannel 0: I get you.\n\nChannel 1: yes. So I don't think my weekly wages. So I have to wait till I get paid from the this particular job.\n\nChannel 0: Oh, it's\n\nChannel 1: But\n\nChannel 0: gonna\n\nChannel 1: now\n\nChannel 0: drop,\n\nChannel 1: that's the\n\nChannel 0: is\n\nChannel 1: worst.\n\nChannel 0: it?\n\nChannel 1: No. No. No. It's just that when I work for this this contract job, it's how long they can pay me on this. I pay annually.\n\nChannel 0: So it switches\n\nChannel 1: Yes.\n\nChannel 0: around a little bit\n\nChannel 1: And\n\nChannel 0: every\n\nChannel 1: normally,\n\nChannel 0: now and then.\n\nChannel 1: I do that. Yes. So it's only, I think, like, you know, maybe once a year to do, like, a trip overseas, and then they find it to the place to a completely different company.\n\nChannel 0: Oh,\n\nChannel 1: Yes.\n\nChannel 0: and\n\nChannel 1: So\n\nChannel 0: they don't pay super, or they do pay super?\n\nChannel 1: so the no. They don't place they don't place no. No. It's just like a contract. It's a contract job.\n\nSo I can put this into my account if I want to.\n\nChannel 0: Okay. So what I'll do is would you say your overall income for the year is about 88,000, or is that just from your main role?\n\nChannel 1: That's just my main let me see if I can find a place that yeah. That's just for my main my main work because that's that's my that's my job.\n\nChannel 0: Okay. And then would you have a little bit of an estimate on what you would earn for the year from the other contract job even if it's a thousand dollars, 5,\n\nChannel 1: It's\n\nChannel 0: 10 on top of that?\n\nChannel 1: not just it's it's not just 15 to that. So, yeah, I would say maybe 3.\n\nChannel 0: Yep. Okay.\n\nChannel 1: 3,000. So yeah. Yeah. So my post is still true. I'm really sorry.\n\nI don't know if you want to.\n\nChannel 0: K. So I'm gonna put in there an estimated annual income of 91,000, and then I'll trim it down for the super guarantee component from the contribution. Is that okay?\n\nChannel 1: Okay. So does that does that does that make a difference in any way?\n\nChannel 0: Not\n\nChannel 1: Yeah.\n\nChannel 0: really. It's it's gonna obviously, bit of percentage on a couple of grand. Doesn't impact it too much, but I just wanna have that\n\nChannel 1: Okay.\n\nChannel 0: there for disclosure purposes. That's all. Okay. In terms of assets and liabilities, do you have a bit of an update on just savings or rainy day fund that I can note down for your assets?\n\nChannel 1: Oh, so just like for the savings thing?\n\nChannel 0: Yeah. Whether it's a couple of grand, 5,010,\n\nChannel 1: Yeah. It's\n\nChannel 0: don't\n\nChannel 1: not\n\nChannel 0: have a million\n\nChannel 1: full.\n\nChannel 0: dollars under the mattress.\n\nChannel 1: No. It's not. It's just like it's gone down to 4. It was more, but it's now just falling out.\n\nChannel 0: 4 and a half, did you say? Yep. Perfect. In terms of your main residence, are you still owing about 670,000 on the mortgage?\n\nChannel 1: Just 31353.\n\nChannel 0: 631353.\n\nChannel 1: Mhmm.\n\nChannel 0: Fantastic. And 1,500,000 for the value, would that be pretty close, or would you reckon it's jumped up a lot the last twelve months?\n\nChannel 1: All all avenues, I would say.\n\nChannel 0: K.\n\nChannel 1: I\n\nChannel 0: I\n\nChannel 1: don't\n\nChannel 0: might\n\nChannel 1: have\n\nChannel 0: even\n\nChannel 1: any\n\nChannel 0: just quickly\n\nChannel 1: paperwork,\n\nChannel 0: check the\n\nChannel 1: but\n\nChannel 0: online.\n\nChannel 1: I would say it is. Yes.\n\nChannel 0: Let's have a quick look. I'm just gonna put in your address for a moment because\n\nChannel 1: Yep.\n\nChannel 0: I found that the online estimates are pretty good. I know that everything's changing at the moment, but it gives us a good estimation. Yeah. Here we go. I think it's saying even 1.7 is a medium a high confidence middle range.\n\nSo I might put that in there. K. And then just the motor vehicle was the only other asset that we've got with no car loan. Perfect. Any other loans or shares or crypto or anything else?\n\nChannel 1: Well, I do I I have, like, a 184 pairs with IAG, but I don't actually have that I don't have that handy, so I can tell you what. It's not it's not much at all.\n\nChannel 0: Yep. No. That's okay. I can work that out because the current share price as of today is $7.54. And if you have a 184 shares oh, sorry.\n\nI've miscalculated that. $7.54 and a 184 shares, $1,387.\n\nChannel 1: Mhmm. And what's the car that you've got? On the\n\nChannel 0: We just had a vehicle listed just in general for 12,000. There was no name of car or or make or model.\n\nChannel 1: oh, okay. Yes. So that's changed.\n\nChannel 0: Okay.\n\nChannel 1: Yes. So I I have a a car that's oh my god. It's a Toyota Hilux GR four. So it's just me.\n\nChannel 0: Oh. Okay. So we've got a Toyota Hilux\n\nChannel 1: GR four, and it's\n\nChannel 0: GR\n\nChannel 1: a '20\n\nChannel 0: four.\n\nChannel 1: '24 model.\n\nChannel 0: 2024 model. I'm gonna pop that in quickly. And they're valued at about 7 60 to 70,000.\n\nChannel 1: I think,\n\nChannel 0: Should I\n\nChannel 1: yeah,\n\nChannel 0: just\n\nChannel 1: I think\n\nChannel 0: put\n\nChannel 1: it\n\nChannel 0: in\n\nChannel 1: was\n\nChannel 0: 60\n\nChannel 1: seventy it\n\nChannel 0: 5\n\nChannel 1: was\n\nChannel 0: in\n\nChannel 1: I think\n\nChannel 0: the\n\nChannel 1: it\n\nChannel 0: middle?\n\nChannel 1: was 75 last year. So, yes, I was going with my baby. You know, it's past. I'm sorry. Thank you very much.\n\nChannel 0: Yep. Oh, could you repeat that again? You you were gonna put it up for sale?\n\nChannel 1: Yes. I got I got it. I wanna say I wanna try, and I wanna try it there last year. And that but I've got it at this price at the moment.\n\nChannel 0: Oh, okay. Caravan up for sale.\n\nChannel 1: Yes. But I don't know. Sorry. No. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry.\n\nI'm sorry. I'm sorry. I'm sorry. I'm\n\nChannel 0: Okay. Perfect. Do\n\nChannel 1: sorry.\n\nChannel 0: you know\n\nChannel 1: I\n\nChannel 0: just how much you're hoping to clear for that one? Yep. So realistically, 67.\n\nChannel 1: But it's still like, if you bought it now, revenue, I think it's 87,900.\n\nChannel 0: Wow. So we'll probably expect next year the nice big cash lump sum still sitting there.\n\nChannel 1: Well,\n\nChannel 0: So\n\nChannel 1: hopefully, if I got yes. I can sell it.\n\nChannel 0: in\n\nChannel 1: I'd like\n\nChannel 0: terms of\n\nChannel 1: to\n\nChannel 0: goals, do you have\n\nChannel 1: yep.\n\nChannel 0: any plans for what to do with the cash once you sell it? Do you have any priorities?\n\nChannel 1: I\n\nChannel 0: Is\n\nChannel 1: was\n\nChannel 0: it going\n\nChannel 1: gonna\n\nChannel 0: on\n\nChannel 1: put\n\nChannel 0: the mortgage?\n\nChannel 1: it in a yeah. I was gonna just put it in off setting in my mortgage.\n\nChannel 0: Yep. To be put.\n\nChannel 1: But, yeah, I think once it was done, I would probably gonna give you guys a call to see what is the best thing to do, I think, which\n\nChannel 0: Yeah.\n\nChannel 1: is what you're there for.\n\nChannel 0: Absolutely. And it's one of the things where it's like you just offset the mortgage. Do you invest it? Do you put it in your suburb? Do you do all kinds of different strategies with it?\n\nOne of the things that I can sort of say up front is that\n\nChannel 1: Yes.\n\nChannel 0: the way things have changed recently with interest\n\nChannel 1: Yes. Yes.\n\nChannel 0: rates going up and the stock market going down, it's\n\nChannel 1: Yes.\n\nChannel 0: kind of squashed it together. Whereas back when I started in the industry and your interest rate was 2% and you could get 10% in investments, really\n\nChannel 1: Yes. Yes.\n\nChannel 0: good idea to invest and grow your wealth When you can offset your 6% mortgage and the stock market might get you 7%, it's a lot less attractive at the current environment. Probably, I would say the mortgage at the moment, and the reason why I say that is because it's a good holding pattern for the cash because you can access it if you need to.\n\nChannel 1: Yes.\n\nChannel 0: If the economy tanks, it offsets the mortgage. And then after the years elapsed, you can do things with it towards the end of financial year as well if we need to. Yep. And then in in addition to that, we just have to be careful because all the legislation's changing. So if I try to set you up with an investment account and they wipe out the CGT discount, then all of a sudden, that's less it.\n\nYeah. There's a lot of things moving at the moment that haven't passed. So I think should we have a bit of a catch up in you wouldn't just do, like, that annual review in twelve months to sort of go through a few other ideas and strategies then? Do you want me to pencil you\n\nChannel 1: Oh,\n\nChannel 0: in\n\nChannel 1: okay.\n\nChannel 0: for six months before Christmas? Or\n\nChannel 1: Okay. So I don't so that was already due for this time?\n\nChannel 0: well, no. Not yet. So what I'm thinking, I'll go through the super and the insurance with you now. But just in terms of the cash proceeds from the caravan,\n\nChannel 1: Yep.\n\nChannel 0: it would be best to just yeah. Once it's done, once we've got a bit of an idea of the economy and legislation, we can revisit it. Perfect. No. I wouldn't cut it that short.\n\nYou get much better service than that, Halima.\n\nChannel 1: No. No. I was just gonna double check it because I know I asked this. Obviously, with the super so I'm looking here again. The way the super close because then I went on to the app.\n\nIt's like it's being invested. Is that right? It's been, like, invested in stuff, and that's how it's growing. Is that right? Yeah.\n\nChannel 0: Yeah. Yep. So let me walk you through that. I'm just gonna quickly double check these goals with you, and I'm gonna go into your performance report. Do you still\n\nChannel 1: Mhmm.\n\nChannel 0: have that email open as well?\n\nChannel 1: Yes, ma'am.\n\nChannel 0: So one of the attachments at the bottom of the email, like a normal PDF attachments, you'll\n\nChannel 1: Mhmm.\n\nChannel 0: see a hub twenty four performance report as well.\n\nChannel 1: Yep.\n\nChannel 0: Now I've got you listed down where we're trying to retire around the age of 65, mortgage paid off, and about a pound sorry? Yes, please. If you can open that one, I'll walk you through it. So we've got about eleven years until retirement to, I guess, grow the super for a while. And then as you're nearing retirement, I have to also consider when to reduce your risk level back down because\n\nChannel 1: Yes.\n\nChannel 0: your portfolio, and I'm gonna kind of break it down for you, you're in a balanced fund, which is a three out of five on the risk scale. We call that medium risk.\n\nChannel 1: Yeah. I'm on\n\nChannel 0: Yep.\n\nChannel 1: a\n\nChannel 0: Absolutely. So the minimum\n\nChannel 1: high\n\nChannel 0: time frame for that medium\n\nChannel 1: risk.\n\nChannel 0: is seven years to make sure\n\nChannel 1: Mhmm.\n\nChannel 0: you can get those average returns that you need. Once you've\n\nChannel 1: Okay.\n\nChannel 0: got less than that to go, we need to start transitioning you into retirement where instead of 70% of your money being in growth assets like shares and property and gold, we then\n\nChannel 1: Yep.\n\nChannel 0: start to wind that back to 60%, 50%, 40% on your\n\nChannel 1: Okay.\n\nChannel 0: way into that pension phase. Does that make sense?\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: K? So in that report that you can see, the first page should be a nice big table with a whole bunch of different investments,\n\nChannel 1: Yes. Okay, please.\n\nChannel 0: and the second page is all of your portfolio mixed into one thing.\n\nChannel 1: The second page.\n\nChannel 0: Yeah? So what\n\nChannel 1: California.\n\nChannel 0: you can see on the second page\n\nChannel 1: Yes.\n\nChannel 0: is, like, it's one row.\n\nChannel 1: Yes.\n\nChannel 0: And what I can show you is on the right hand side of it, if you can make out the figures, it should say a 10.22% net return after fees. K? So average for balanced risk is seven to 8%. So we've gone above that after fees, which is good. You've had quite a large jump up in your balance where you're sitting at just shy of 240,000 today.\n\nNo. You're totally fine. So you went from 208,000 to 240,000 in the last twelve months in terms of contributions and growth.\n\nChannel 1: Okay. Okay.\n\nChannel 0: Okay?\n\nChannel 1: Mhmm.\n\nChannel 0: So it's very good. And one\n\nChannel 1: Yep.\n\nChannel 0: of the the balancing acts that we have to do is that you're getting because it's percentage based returns, every\n\nChannel 1: Yes.\n\nChannel 0: 10% now is, like, $20,000 on top of your contributions.\n\nChannel 1: Okay.\n\nChannel 0: So we try and get as many of those out of it as we can until we have to reduce your risk level down.\n\nChannel 1: Okay. So the other\n\nChannel 0: K.\n\nChannel 1: thing I wanted to do was I don't know if if we need I'll speak about it now or once you're finished. Because I I just you know, you just waste a little bit of money on, like, shipping things, like, cost savings, etcetera. And I and\n\nChannel 0: Yeah.\n\nChannel 1: I think when we were first rolling over to Hub twenty four, I was thinking about putting, like, more money in. So I was, like, thinking maybe $50 a week to start off with.\n\nChannel 0: Yep.\n\nChannel 1: It's like, do I tell my work to do that, or do I do that?\n\nChannel 0: So couple of ideas that I would like to do with you is\n\nChannel 1: Mhmm.\n\nChannel 0: so 60 a week goes in pretax as salary sacrifice, where if\n\nChannel 1: Yep.\n\nChannel 0: you tell your work, they're gonna take it out of your pay and tax you on\n\nChannel 1: Yep.\n\nChannel 0: what's left over. So\n\nChannel 1: Yep.\n\nChannel 0: because the super is 15% tax rate and you've got that bracket there, that sort of 32% bracket,\n\nChannel 1: Yes.\n\nChannel 0: you will save that 17% on every dollar that you put in. So the way it would work is if you put in 60, it'll probably impact your pay by about 45 to 50\n\nChannel 1: Admin. I do\n\nChannel 0: dollars.\n\nChannel 1: not pay tax.\n\nChannel 0: Correct. So what happens is if you put 60 in because of the tax differences on it, you're gonna get 45 less in your in your pay\n\nChannel 1: Yes.\n\nChannel 0: rather than 60 less because it's going in pretax, which is fabulous.\n\nChannel 1: Okay. Alright. So I could put more if I wanted to.\n\nChannel 0: Yeah. And that difference in the tax goes to help boost up the super quickly as well.\n\nChannel 1: Yeah. Okay. So it's $50.60 dollars in, like, a good amount for the time that I have to put extra in my\n\nChannel 0: Yeah.\n\nChannel 1: circle.\n\nChannel 0: So what I'll do is I'm gonna give you an updated statement of advice where I kind of update your plan and your projections for you so you've got that in writing. But I'll give you a bit of an idea now for where we're kind of headed. So you've got 240,000 now.\n\nChannel 1: Yep. Okay.\n\nChannel 0: If I work out your 88,000 income for the contributions, Chop off a bit of tax off of that. We've got about 8,900 that goes in per year after tax and fees.\n\nChannel 1: Mhmm.\n\nChannel 0: Eleven years to go. And like I said, let's say seven to 8% return benchmark for balanced, you're kind of headed for that $65,700,000 mark.\n\nChannel 1: Mhmm.\n\nChannel 0: Now from there, if we add\n\nChannel 1: Yeah.\n\nChannel 0: on that $60 of salary sacrifice,\n\nChannel 1: Yep.\n\nChannel 0: I'm gonna add that on to here, that bumps your contributions up to 12,000,\n\nChannel 1: Yes.\n\nChannel 0: and that gets you from $6.50 to 700,000 as a minimum and from 7\n\nChannel 1: Mhmm.\n\nChannel 0: 100 to $7.60 as a maximum. So for every $60 a week that you can put in, it's an extra\n\nChannel 1: Yep.\n\nChannel 0: $60,000 in the decade.\n\nChannel 1: Oh, okay. That's pretty good.\n\nChannel 0: And that'll probably give you an extra two years' worth of income for your retirement goal for every time you do that.\n\nChannel 1: Yeah. Yeah. Okay. Alright. So I yeah.\n\nOkay. So I I speak to my work and that's just something to do with my money too. Yeah?\n\nChannel 0: Correct. We just gotta make sure we don't go over the cap, which is quite large. They've increased it to 32 and a half thousand, so you're not gonna get anywhere near kind of extra taxes and breaching caps. K? So what I would like to do is just when I was talking about your investments before, overall returns are looking good.\n\nThere is one investment option that's kind of concerning me a little bit at the moment, the\n\nChannel 1: Okay.\n\nChannel 0: Bennelong option, which has dropped a bit. So what I would like to do is just kind of switch that one out and update that one option at least, and I'll factor in the salary sacrifice so I can kind of show you here's your current situation. With your current\n\nChannel 1: Okay.\n\nChannel 0: contributions and investments,\n\nChannel 1: Yes.\n\nChannel 0: and this is what it might look like if you put a bit extra in and update your portfolio. K? So\n\nChannel 1: Okay.\n\nChannel 0: I will do the research of that in the background, and then\n\nChannel 1: Yep.\n\nChannel 0: the team will kind of as soon as I get back from I'm going on paternity leave in a couple of weeks for my third job. Thank you. So I've got two boys and a girl on the way, and that's really exciting. They're really keen to have a sister, and we're keen to have a daughter. And so for everybody, I'm pretty much just getting my team to build and research everything.\n\nSo as soon as I get back, they can book you in. We can go through the updated plan together. Sounds good. Alright. I do have one question for you.\n\nThis is not you can't answer this question wrong. It's really just about your gut feeling here. With the investments, I can pick anything across Hub because they've got the most investment options in the country. And\n\nChannel 1: Alright.\n\nChannel 0: to whittle that debt, they've got 1,300, so I need to kind of shortlist that a little bit.\n\nChannel 1: Yes. Okay.\n\nChannel 0: We can choose between low fee passive investments, which have the lowest fees, but they just follow the market up and down, or\n\nChannel 1: Mhmm.\n\nChannel 0: higher fee active investments where they try and pick and choose stocks and properties and things to try and get a higher return. Do you have a preference between the two? Where are you leaning?\n\nChannel 1: Well, I don't like being high risk. So whichever is gonna be the lower of the risk out of those.\n\nChannel 0: Perfect. So what I would say there is that most of the time, the passive side is a bit more traditional, a little bit more low risk because\n\nChannel 1: Yes.\n\nChannel 0: you eliminate a fund manager making a misstep in buying the wrong things. They're just buying all the big companies, and it's a bit more bit more middle of the road for that option.\n\nChannel 1: Sounds good.\n\nChannel 0: Cool. So I'll put that together. I have a few options in mind that I'll compare for you, and I can put that in there with the extra contributions.\n\nChannel 1: Okay.\n\nChannel 0: Now while\n\nChannel 1: Thank\n\nChannel 0: I've got you here, we updated the beneficiaries on your let me just double check\n\nChannel 1: you.\n\nChannel 0: here.\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: And\n\nChannel 0: did\n\nChannel 1: I\n\nChannel 0: see\n\nChannel 1: think I\n\nChannel 0: it before.\n\nChannel 1: think I I'm pretty sure it was email postage.\n\nChannel 0: Yes. That's right. So I'm having a look through the file notes, and we have Clearview has updated no. Wait. We've got the Clearview has paid premiums.\n\nThat's all good. Okay. So what I can currently see listed is Christian and Zachariah on hub. That's a 50% split between spouse and child.\n\nChannel 1: Oh, no. It was I filled out the form and she's for Emmanuel.\n\nChannel 0: That's it. Okay. So is it supposed to be I'm gonna double check because it's still\n\nChannel 1: Yes.\n\nChannel 0: processing.\n\nChannel 1: $60.20\n\nChannel 0: Is it\n\nChannel 1: 5\n\nChannel 0: supposed\n\nChannel 1: 20\n\nChannel 0: to be\n\nChannel 1: 5.\n\nChannel 0: the oh, can you say that one more time for me?\n\nChannel 1: 602525.\n\nChannel 0: That's the 1502525? Alright. And I'll make sure so that's what you wanted on both the super and the life insurance. Is that correct?\n\nChannel 1: Oh, okay. Yes. Yeah. Well, if my one child is already there, a 100%.\n\nChannel 0: Yep. And,\n\nChannel 1: I\n\nChannel 0: again,\n\nChannel 1: wanna be\n\nChannel 0: you\n\nChannel 1: sure.\n\nChannel 0: can split it\n\nChannel 1: Yeah.\n\nChannel 0: because life insurance can go to anybody. You can go to charity. You can go to partners and children.\n\nChannel 1: Yeah.\n\nChannel 0: Super.\n\nChannel 1: Okay.\n\nChannel 0: It's like, who's your spouse? Who's your dependents?\n\nChannel 1: Yeah. Okay. Yeah.\n\nChannel 0: K. So I'll go spouse, child, child. I'll make sure that's across both. Now with your insurance policy, I\n\nChannel 1: Yeah.\n\nChannel 0: need I need to show you this one. Can you still see the attachments on the email that I sent you? So on the bottom, there is a ClearView certificate of currency. It's a lovely pinky purple certificate.\n\nChannel 1: Specific. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: So premiums are jumping up every single year, and they jumped up again in March. And we're clearing $7,000 a year coming out of the super. So I'm glad that the super has grown well even with all the fees coming out, but it's it's one of those things where next year, that'll probably be 9,000. And the year after that, it could be 11,000.\n\nChannel 1: Yes.\n\nChannel 0: And\n\nChannel 1: So I think premiums high because they were it had to do with so we went it took so long to go from A and P to with with regards to '24 and to get the insurance that I wanted\n\nChannel 0: Yep.\n\nChannel 1: because a because I I was extremely honest and said that I see a doctor for a fatty liver.\n\nChannel 0: Uh-huh. I see.\n\nChannel 1: Yeah. But I'm on no medication. I take Panadol for headache. I'm on no medication at all.\n\nChannel 0: Yep.\n\nChannel 1: And they said, okay. So when all this changes so the doctor has actually changed me from, like, a six month visit to an annual visit\n\nChannel 0: Okay.\n\nChannel 1: because I wasn't that worried. So they said when things change, then I will have to my premium will probably change, but that's the reason I'm on such a high premium. Whereas, like, I mean, I'm not even like, I'm just an old person. I was just extremely honest about\n\nChannel 0: Yeah.\n\nChannel 1: what I was doing, but, like, I if I just said no, like, you wouldn't even know the difference. You know what I'm saying? But I was just being honest\n\nChannel 0: Yeah.\n\nChannel 1: because I didn't want anything to mess anything up if anything was to happen to me. But, basically, like so I saw him in November, and I don't have to see him till November with beforehand, it was every six months.\n\nChannel 0: Gotcha. K.\n\nChannel 1: Yeah. So\n\nChannel 0: I'm\n\nChannel 1: I probably\n\nChannel 0: noting\n\nChannel 1: need\n\nChannel 0: this\n\nChannel 1: to update\n\nChannel 0: down.\n\nChannel 1: that, but I don't know who who I'm updating that with.\n\nChannel 0: Can I have a look into this for you?\n\nChannel 1: Mhmm. That'd be\n\nChannel 0: Because\n\nChannel 1: great.\n\nChannel 0: what I would like to do is if there's any loadings on the policy, which is an increase due to the the\n\nChannel 1: Yep.\n\nChannel 0: fatty liver kind of thing, I can either get that review with Clearview or potentially look at another provider and see who's gonna get you the best deal.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Outside of that, I think you were still listed as possibly having smokers' rates as well,\n\nChannel 1: Yeah. But I don't think that was as visible, to be honest.\n\nChannel 0: which\n\nChannel 1: Because, like,\n\nChannel 0: it's\n\nChannel 1: it's\n\nChannel 0: one of those ones where\n\nChannel 1: it's so\n\nChannel 0: anytime you get that tag, they double the price, and that's the bigger hit as well. And it could be a combination of multiple factors here.\n\nChannel 1: Oh, I'm sure. But I think it is it was basically the fact that I was seeing specialist. I think that was\n\nChannel 0: Yeah. And the space out to twelve months is really good. And\n\nChannel 1: Mhmm.\n\nChannel 0: if that's all it is kinda thing, I'm happy to go do a few anonymous phone calls to Clearview and other insurers to see if I can see\n\nChannel 1: That'll\n\nChannel 0: a better deal for you.\n\nChannel 1: be great. Because I also like because I see an endocrinologist in my thyroid, which is normal. It's just it's normal, and I'm on no medication. We're basically waiting for the thyroid to basically give up as far as oh, how can I say? So it's like so at the moment, the thyroid has got antibodies,\n\nChannel 0: Uh-huh.\n\nChannel 1: and so I see him because he he thinks that my thyroid is eventually gonna stop, like, having normal function, which means you have to go on medication. But right now, like, I've been been seeing seeing it for two years, and nothing has changed.\n\nChannel 0: Yep.\n\nChannel 1: But that was the other thing too. But, like, it's not\n\nChannel 0: Okay.\n\nChannel 1: like I've got cancer.\n\nChannel 0: No. No.\n\nChannel 1: You know? Way the way the way I felt like I was treated was like, I'm gonna die tomorrow, so they don't wanna risk\n\nChannel 0: And,\n\nChannel 1: me.\n\nChannel 0: like, this is\n\nChannel 1: You\n\nChannel 0: such\n\nChannel 1: know?\n\nChannel 0: a risk. She's about to\n\nChannel 1: Oh, I'm\n\nChannel 0: explode.\n\nChannel 1: so I'm so just people that are, like, 10 times worse. Like, I take painkillers. I take antihistamines if you get an allergic, you know, anything like sneeze, the high fever, whatever. But I was done I'm not even I keep going, keep\n\nChannel 0: Yeah.\n\nChannel 1: going,\n\nChannel 0: Everybody\n\nChannel 1: and then eventually\n\nChannel 0: takes\n\nChannel 1: I said\n\nChannel 0: an\n\nChannel 1: to\n\nChannel 0: antihistamine\n\nChannel 1: them, I'm\n\nChannel 0: and a Panadol.\n\nChannel 1: not even on medication for the condition that you have me down. Like so, like, theoretically, I don't even have these conditions because I'm just keeping an eye on it. I'm doing the right thing.\n\nChannel 0: Yep. Which\n\nChannel 1: I'm\n\nChannel 0: is\n\nChannel 1: keeping\n\nChannel 0: what\n\nChannel 1: an eye\n\nChannel 0: what's what they want to do is, like, go to the doctors, get things checked, be\n\nChannel 1: on\n\nChannel 0: preventative, and\n\nChannel 1: it.\n\nChannel 0: not\n\nChannel 1: Exactly.\n\nChannel 0: waiting until you've got the main issue.\n\nChannel 1: Yes. But it's like, oh my god. She's dying. I can cut and short her.\n\nChannel 0: So, look, I can never promise any outcomes with it, Halima, but I\n\nChannel 1: Of\n\nChannel 0: am\n\nChannel 1: course.\n\nChannel 0: more than happy to go to bat and\n\nChannel 1: Yes.\n\nChannel 0: hunt around. And if I can improve things,\n\nChannel 1: Yes.\n\nChannel 0: I will.\n\nChannel 1: Yes. That'll be fabulous. Thank you.\n\nChannel 0: The cover amount, 512,000, which obviously pays the majority of the mortgage up, but your super kind of finishes off the last little bit,\n\nChannel 1: Yep.\n\nChannel 0: is that\n\nChannel 1: Yep.\n\nChannel 0: okay? Is that too little? Is that too much?\n\nChannel 1: No. I think I did 500. So 512 is a hard number. But yeah.\n\nChannel 0: It is because they do this indexation where they don't just increase your price. They slightly increase your cover amount, which\n\nChannel 1: Okay.\n\nChannel 0: is it's actually a cool way to get slightly more cover every year with the cost of living for cheaper, but it does impact things as well. So it was probably around figure to start with, and they bumped it up slightly.\n\nChannel 1: Okay.\n\nChannel 0: So I'll do the cover amounts as they are, and I'll see if I can get any reviews on Clearview or a different provider. Am I able to tell them that you're twelve months nicotine free by any chance?\n\nChannel 1: Well, most of the time, I am twelve months free because I just do it probably every twelve months because it's a party.\n\nChannel 0: Yep.\n\nChannel 1: But I, like, I don't have to. Like, I honestly don't have to.\n\nChannel 0: Because one of the things is, like, that that it on in and of itself, that'll be $3,000 safe. So we can\n\nChannel 1: Yep.\n\nChannel 0: do a declaration of nonsmoker's rates to Cleave you if you like. If,\n\nChannel 1: Yep.\n\nChannel 0: you know, Christmas party didn't happen last year,\n\nChannel 1: Yes.\n\nChannel 0: because I know you put the policy in force in 2025, and and if that's part of the the health management, that's possible. And also with the the next provider as well. Just be careful, though, if there's anything where your doctor's like, yep. Look. You're you're still a smoker, yada yada yada.\n\nChannel 1: Yep.\n\nChannel 0: They it all links together. All the data links together.\n\nChannel 1: Yeah. Well, I'll be curious to see what this meant about tonight.\n\nChannel 0: Yeah. So do you want me to try and find some quotes for a nonsmoker, or should I leave that there for just this last one more year?\n\nChannel 1: Maybe for this one year, maybe just later, and then definitely by the next the the time the policy is due again next time, I will guess it'll definitely be a month.\n\nChannel 0: Yep. K. So let's say there's a thirty five to 40% chance that I can get some loadings reviewed or another provider\n\nChannel 1: Mhmm.\n\nChannel 0: for the current health. Best case scenario is we get the smokers' rates ticked off next year as well. So I'm gonna kind of split it up a little bit where there's\n\nChannel 1: Okay.\n\nChannel 0: two attempts to try and get your premiums down.\n\nChannel 1: Thank\n\nChannel 0: Sound good?\n\nChannel 1: you. Sounds good.\n\nChannel 0: Alrighty. Now, Halima, I have gone through quite a few things so far in terms of the super, the\n\nChannel 1: Mhmm.\n\nChannel 0: portfolio update, the contributions, and the insurance premiums. Do you have any questions for me so\n\nChannel 1: No. But I'm I'm good. I'm glad I'm glad we spoke about\n\nChannel 0: far?\n\nChannel 1: what\n\nChannel 0: Perfect.\n\nChannel 1: we spoke. Yeah. So it's probably everything that I need. Need a few more. Yep.\n\nChannel 0: The last question I had was in terms of the estate planning, I know the beneficiaries are all getting fixed up, but I had a note I was trying to cross reference my data in the new system. It says that you've got a power of attorney in place, but maybe not a will.\n\nChannel 1: I don't have a will. No.\n\nChannel 0: K. Do you actually have a power of attorney in place? So if you're in hospital and you can't act, someone's gonna look after the banks and talk to the doctors. Do you have that in place?\n\nChannel 1: I well, it would be my husband's. But I, like, I don't know if it I've actually got something, like, actually, like, on paper. Like, is that what you mean?\n\nChannel 0: It's kinda like, yeah, when you put a will in place and you get it all signed off with a JP and a lawyer and all that\n\nChannel 1: No.\n\nChannel 0: kind\n\nChannel 1: I I'm definitely interested in a will because I was thinking I've been thinking about it.\n\nChannel 0: of\n\nChannel 1: And I'm definitely interested in a will. It's just a matter of I don't know. I guess just getting help with it.\n\nChannel 0: Can I give you a bit of helpful direction here?\n\nChannel 1: Yes.\n\nChannel 0: There's three main options that like, obviously, there's solicitors everywhere, in every city, in every town, and you can go talk to a lawyer. How long's a piece of string? They can sort everything out. That's fair enough.\n\nChannel 1: Yeah.\n\nChannel 0: The second option is the public trustee of every state. So for you, New South Wales also offers appointments to do wills and powers of attorney as well.\n\nChannel 1: Yeah. I think I tried to get an appointment with I think I did. You know? I think I tried to get a an appointment with them. They've got a very long wait list, I think.\n\nBut I need to I'm gonna try and find the email, and I'll try and touch base with them again.\n\nChannel 0: Yeah. I apologize. That's probably my fault because I've sent every single person in New South Wales to them to look for a will.\n\nChannel 1: No. Not at all. Not at all.\n\nChannel 0: Cool. The only other option too that some people do is for simple circumstances where it's just like a a home and some savings and a car is you\n\nChannel 1: Yep.\n\nChannel 0: can do government approved will kits and power of\n\nChannel 1: Yep.\n\nChannel 0: attorney kits from the post office that are, like, $25 each\n\nChannel 1: Yeah. Well,\n\nChannel 0: as\n\nChannel 1: it's\n\nChannel 0: long\n\nChannel 1: not like\n\nChannel 0: as you\n\nChannel 1: yeah.\n\nChannel 0: get them\n\nChannel 1: I don't\n\nChannel 0: all\n\nChannel 1: have\n\nChannel 0: certified.\n\nChannel 1: I don't yeah. I don't have a lot of stuff, but, yeah, I just want what I've been told because I don't have a word. It's quite bad.\n\nChannel 0: Yeah. So three\n\nChannel 1: Yeah.\n\nChannel 0: options there for you. I'll put a note in the file, and when I do that updated device that that's the suggestion. And, hopefully,\n\nChannel 1: Okay.\n\nChannel 0: the the wait list isn't too long there.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So it's the public trustee. So if you like I'm googling it now. I go New South Wales public trustee, and it comes up with New South Wales government website for the trustee and guardian.\n\nChannel 1: Okay. So New South Wales public no. No. Trust me. New South\n\nChannel 0: Yeah.\n\nChannel 1: Wales\n\nChannel 0: Public\n\nChannel 1: Trust\n\nChannel 0: trustee.\n\nChannel 1: me. Just stop\n\nChannel 0: It's the the the horrible group that everyone hates when they die without a will, and it goes through the public government system. But then if you actually go to them prior, they can actually set the wills up. So it's like, I like them for that. It's painful on the other side of\n\nChannel 1: Yeah.\n\nChannel 0: things,\n\nChannel 1: No. No. That's the norm. Just\n\nChannel 0: but\n\nChannel 1: I I see a lot of people being\n\nChannel 0: they're\n\nChannel 1: admitted, sir. So it's, like,\n\nChannel 0: good\n\nChannel 1: definitely something\n\nChannel 0: for\n\nChannel 1: that's on my agenda.\n\nChannel 0: that. Perfect. Perfect. Any questions on that for me before I let you go?\n\nChannel 1: Yep. I think we're good.\n\nChannel 0: Cool. In that document that I've sent you, so we've\n\nChannel 1: Yep.\n\nChannel 0: included, like, financial services guide updated with our licensing details. And\n\nChannel 1: Mhmm.\n\nChannel 0: inside the signable link button on the email is an updated service agreement\n\nChannel 1: So so is that in the bottom or is that at the top where it says sign documents?\n\nChannel 0: up the top with the signed documents. So what happens with our new system is if you hit\n\nChannel 1: Mhmm.\n\nChannel 0: that, it'll open up into the Odoo it's like a DocuSign, and it'll\n\nChannel 1: Yep.\n\nChannel 0: allow you to scroll through the document to look at it first.\n\nChannel 1: Yep.\n\nChannel 0: And then if you're happy with the fees, you know, the usual, like, 1.65% split between the monthly payments and the 15% rebate, we always estimate our fee with a bit of growth on top of it because your super fluctuates.\n\nChannel 1: Yes.\n\nChannel 0: When you're happy with that, it'll click on you can click on the purple buttons, and it'll pull you to the signature spot and the date spot, and it'll stamp it on there with your name.\n\nChannel 1: Okay. Oh,\n\nChannel 0: Yes,\n\nChannel 1: yep.\n\nChannel 0: please.\n\nChannel 1: You got\n\nChannel 0: Now\n\nChannel 1: yep.\n\nChannel 0: if you prefer, you can actually click on that signature and draw it so it matches your license, or if you're happy with it just to be stamped by the digital signature.\n\nChannel 1: Is that alright to be sent? I mean,\n\nChannel 0: Yeah. That's fine for us. Sometimes with some providers, like some insurers, they require it a bit more drawn. But for Oakview documents, we're okay for it to link in with our system.\n\nChannel 1: okay. Okay. So I can if I want to, I can draw.\n\nChannel 0: Yes. Yep. It's definitely better, but it can be a bit painful to try and draw on a phone and things like that. Perfect.\n\nChannel 1: So do I do sign all or just sign? Mhmm.\n\nChannel 0: So sign all will stamp it across the whole thing. So if you wanna just keep going, like, next, next, next, it'll pull you down. Whatever you're\n\nChannel 1: Okay.\n\nChannel 0: more comfortable doing.\n\nChannel 1: Okay. So take me to the next one. Oh, there's nothing else.\n\nChannel 0: Yep. And then once\n\nChannel 1: On\n\nChannel 0: it's all signed, the bottom will have, like, a validate button that\n\nChannel 1: next.\n\nChannel 0: will\n\nChannel 1: Yep.\n\nChannel 0: send it to us, and it'll give you a pop up to download a signed copy for your records. Yep. If you have any one, we can provide you a copy anytime, but it just gives you that prompt to download it straight away.\n\nChannel 1: Okay. So that's done.\n\nChannel 0: Perfect. Now, Aleema, do you have any questions for me at the moment from the annual review?\n\nChannel 1: No. I think I've gone through the questions that I needed to go through. Because I was just worried, like, the only thing worse, basically, you know, with everything going on in the world and but you're you're already fixing that with changing one of the investments anyway.\n\nChannel 0: Yeah. And it's actually really like, I'm very impressed because a lot of people have been losing a lot of money in super lately, really negative returns. For you still to be up 10% after fees, that's really good. I'll optimize things and give it a bit of an engine tune up as well to keep it going. Oh, look.\n\nThe the way the world goes, you know what it's like every couple of years, something blows up. But we play the law of long term averages. And like I said, you've got eleven years. I need to make a\n\nChannel 1: Yep.\n\nChannel 0: couple of good decisions with you to average out over that decade to, a, grow the super, and then, b, protect it once it's built.\n\nChannel 1: Okay.\n\nChannel 0: Okay? Are you okay for the team to kind of reach out over the next couple of weeks if they need any more information for the insurance?\n\nChannel 1: Yes.\n\nChannel 0: Research.\n\nChannel 1: Of course. No. No. Of course. Yes.\n\nThat'll be great.\n\nChannel 0: Perfect.\n\nChannel 1: But I wouldn't mind\n\nChannel 0: Because\n\nChannel 1: putting on top of that.\n\nChannel 0: that will be they're gonna be going full throttle into every option under the sun there. They may need to clarify\n\nChannel 1: Yeah.\n\nChannel 0: a couple of things while I'm away, and\n\nChannel 1: No. Of\n\nChannel 0: then\n\nChannel 1: course.\n\nChannel 0: we'll get\n\nChannel 1: That\n\nChannel 0: you\n\nChannel 1: is\n\nChannel 0: booked.\n\nChannel 1: fine. Yeah. I mean, at least I still got the insurance because the last time I didn't have any of the insurance.\n\nChannel 0: Yeah. So at least\n\nChannel 1: Because\n\nChannel 0: it's\n\nChannel 1: I can't\n\nChannel 0: enforced.\n\nChannel 1: yeah. So at least it's insurance and yeah. If they can get me a better premium, it'll be amazing.\n\nChannel 0: And the good thing too is if we do do any alterations with Clearview or switch to another provider, they do do pro rata refunds as well. So if it's\n\nChannel 1: Oh, okay.\n\nChannel 0: only a a month into the year and you've paid for a year, they'll give you eleven months back or whatever it is. Correct.\n\nChannel 1: Yep.\n\nChannel 0: Alrighty. Well, thank you so much for your time today. I'm glad we we caught each other and and got it sorted, and I've got a few ideas to to improve things. So\n\nChannel 1: Yep.\n\nChannel 0: thank you.\n\nChannel 1: Thank you. No. Thank you so much. Thank you so much for the call. I look forward to hearing back about my premium.\n\nChannel 0: Perfect. Look. It's been a pleasure. I'll get the team to send out the usual\n\nChannel 1: Yep.\n\nChannel 0: feedback text message if you're okay to give us a bit of feedback and a review. But outside of that, as soon as I'm back in the office, you'll get a\n\nChannel 1: Yep.\n\nChannel 0: call to either go through the research, update, or book in for me straightaway to go through the plan.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Alrighty, Halima. Have a fantastic week, and I look forward to talking to you again soon. Oh, I absolutely will. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.24,"end":0.74,"sentiment":"neutral","sentiment_score":0.010241647250950336},{"text":"Hello?","start":2.3999999,"end":2.8999999,"sentiment":"neutral","sentiment_score":0.02459016628563404}],"sentiment":"neutral","sentiment_score":0.01741590676829219,"channel":1,"num_words":2,"start":0.24,"end":2.8999999},{"sentences":[{"text":"Good afternoon, Halima.","start":2.72,"end":3.84,"sentiment":"neutral","sentiment_score":0.24712637066841125},{"text":"It's Tommy here from Oakview","start":3.84,"end":5.12,"sentiment":"neutral","sentiment_score":0.13125255554914475}],"sentiment":"neutral","sentiment_score":0.1747052362188697,"channel":0,"num_words":8,"start":2.72,"end":5.12},{"sentences":[{"text":"Hi,","start":4.96,"end":5.3599997,"sentiment":"neutral","sentiment_score":0.10940036177635191}],"sentiment":"neutral","sentiment_score":0.10940036177635191,"channel":1,"num_words":1,"start":4.96,"end":5.3599997},{"sentences":[{"text":"Financial.","start":5.12,"end":5.44,"sentiment":"neutral","sentiment_score":0.1468304991722107}],"sentiment":"neutral","sentiment_score":0.1468304991722107,"channel":0,"num_words":1,"start":5.12,"end":5.44},{"sentences":[{"text":"Tommy.","start":5.3599997,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.11542212963104248}],"sentiment":"neutral","sentiment_score":0.11542212963104248,"channel":1,"num_words":1,"start":5.3599997,"end":5.8599997},{"sentences":[{"text":"How are you doing?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.18838784471154213}],"sentiment":"neutral","sentiment_score":0.18838784471154213,"channel":0,"num_words":4,"start":5.44,"end":6.3399997},{"sentences":[{"text":"Good.","start":6.16,"end":6.48,"sentiment":"neutral","sentiment_score":0.3130202293395996},{"text":"How are you?","start":6.48,"end":7.22,"sentiment":"neutral","sentiment_score":0.24600650370121002}],"sentiment":"neutral","sentiment_score":0.2627599351108074,"channel":1,"num_words":4,"start":6.16,"end":7.22},{"sentences":[{"text":"I'm doing absolutely fantastic.","start":7.52,"end":9.139999,"sentiment":"positive","sentiment_score":0.7282057851552963},{"text":"I'm not sure whether we had it scheduled for three or 04:00, so I just wanted to double check with you if you still had some time for me.","start":9.44,"end":16.625,"sentiment":"neutral","sentiment_score":-0.014497789136808494}],"sentiment":"neutral","sentiment_score":0.07552688653496178,"channel":0,"num_words":33,"start":7.52,"end":16.625},{"sentences":[{"text":"Yes.","start":16.395,"end":16.635,"sentiment":"neutral","sentiment_score":0.10151297599077223},{"text":"Yes.","start":16.635,"end":16.875,"sentiment":"neutral","sentiment_score":0.10454955697059631},{"text":"Yes.","start":16.875,"end":17.195,"sentiment":"neutral","sentiment_score":0.18456563353538513},{"text":"All good.","start":17.195,"end":17.935,"sentiment":"positive","sentiment_score":0.45050957798957825}],"sentiment":"neutral","sentiment_score":0.258329464495182,"channel":1,"num_words":5,"start":16.395,"end":17.935},{"sentences":[{"text":"Perfect.","start":18.765,"end":19.265,"sentiment":"positive","sentiment_score":0.4849550724029541},{"text":"Before I jump into it, I will send you out a bit of an email review pack and just quickly check security with you if that's okay.","start":19.645,"end":27.585,"sentiment":"neutral","sentiment_score":0.11322702922754818}],"sentiment":"neutral","sentiment_score":0.12650303076952696,"channel":0,"num_words":28,"start":18.765,"end":27.585},{"sentences":[{"text":"Yeah.","start":27.435,"end":27.675,"sentiment":"neutral","sentiment_score":0.07721452414989471},{"text":"Of course.","start":27.675,"end":28.14,"sentiment":"neutral","sentiment_score":0.08685047551989555}],"sentiment":"neutral","sentiment_score":0.08363849172989528,"channel":1,"num_words":3,"start":27.435,"end":28.14},{"sentences":[{"text":"Sensational.","start":28.880001,"end":29.380001,"sentiment":"neutral","sentiment_score":0.10305523872375488},{"text":"So I'm registered with ASIC as adviser one two seven three one zero five.","start":29.68,"end":34.34,"sentiment":"neutral","sentiment_score":0.04027393500187567},{"text":"Could you please confirm your date of birth and address?","start":34.4,"end":36.9,"sentiment":"neutral","sentiment_score":0.022735626623034477}],"sentiment":"neutral","sentiment_score":0.03576986379921436,"channel":0,"num_words":25,"start":28.880001,"end":36.9},{"sentences":[{"text":"Six of the first nineteen seventy two.","start":37.42,"end":40.48,"sentiment":"neutral","sentiment_score":0.008060045739901918},{"text":"Number 8 Yelversin, 27, New South Wales 2044.","start":41.875,"end":44.754997,"sentiment":"neutral","sentiment_score":0.010933643905445933},{"text":"Sorry.","start":44.754997,"end":45.254997,"sentiment":"neutral","sentiment_score":0.163211852312088}],"sentiment":"neutral","sentiment_score":0.019193832733435556,"channel":1,"num_words":16,"start":37.42,"end":45.254997},{"sentences":[{"text":"Amazing.","start":45.855003,"end":46.355003,"sentiment":"positive","sentiment_score":0.4936856031417846},{"text":"Thank you so much for that.","start":46.415,"end":47.855003,"sentiment":"positive","sentiment_score":0.6614903807640076},{"text":"How have you been going?","start":47.855003,"end":48.895,"sentiment":"positive","sentiment_score":0.3480058670043945},{"text":"I know we we miss each other when you got back from overseas.","start":48.895,"end":51.375,"sentiment":"neutral","sentiment_score":0.06015548883722378},{"text":"Was your","start":51.375,"end":51.775,"sentiment":"neutral","sentiment_score":0.0845240093767643}],"sentiment":"neutral","sentiment_score":0.2649528369031571,"channel":0,"num_words":27,"start":45.855003,"end":51.775},{"sentences":[{"text":"Yeah.","start":51.635,"end":51.875,"sentiment":"neutral","sentiment_score":0.1507747769355774}],"sentiment":"neutral","sentiment_score":0.1507747769355774,"channel":1,"num_words":1,"start":51.635,"end":51.875},{"sentences":[{"text":"trip","start":51.775,"end":51.935,"sentiment":"neutral","sentiment_score":0.1886877715587616}],"sentiment":"neutral","sentiment_score":0.1886877715587616,"channel":0,"num_words":1,"start":51.775,"end":51.935},{"sentences":[{"text":"I","start":51.875,"end":51.954998,"sentiment":"neutral","sentiment_score":0.2569085657596588}],"sentiment":"neutral","sentiment_score":0.2569085657596588,"channel":1,"num_words":1,"start":51.875,"end":51.954998},{"sentences":[{"text":"good?","start":51.935,"end":52.435,"sentiment":"neutral","sentiment_score":0.29007381200790405}],"sentiment":"neutral","sentiment_score":0.29007381200790405,"channel":0,"num_words":1,"start":51.935,"end":52.435},{"sentences":[{"text":"got back last week, so it's all good.","start":51.954998,"end":53.714996,"sentiment":"positive","sentiment_score":0.33583980426192284},{"text":"Yes.","start":53.714996,"end":53.954998,"sentiment":"neutral","sentiment_score":0.2288164496421814},{"text":"I would have been delirious last week.","start":53.954998,"end":56.055,"sentiment":"neutral","sentiment_score":0.24442516905920847}],"sentiment":"neutral","sentiment_score":0.28915694169700146,"channel":1,"num_words":16,"start":51.954998,"end":56.055},{"sentences":[{"text":"No.","start":56.359997,"end":56.68,"sentiment":"neutral","sentiment_score":-0.05023132637143135},{"text":"Totally fair.","start":56.68,"end":57.32,"sentiment":"neutral","sentiment_score":-0.04027918726205826},{"text":"And I don't want to be trying to throw all this finance jargon at you while you're trying to sleep,","start":57.32,"end":61.8,"sentiment":"neutral","sentiment_score":-0.11912022363394499}],"sentiment":"neutral","sentiment_score":-0.1092693118945412,"channel":0,"num_words":23,"start":56.359997,"end":61.8},{"sentences":[{"text":"Yep.","start":61.43,"end":61.93,"sentiment":"neutral","sentiment_score":0.021985162049531937}],"sentiment":"neutral","sentiment_score":0.021985162049531937,"channel":1,"num_words":1,"start":61.43,"end":61.93},{"sentences":[{"text":"so that's totally fair.","start":61.8,"end":63.739998,"sentiment":"neutral","sentiment_score":0.04078179411590099},{"text":"Halima, I've got your email address for your Gmail account listed.","start":65.575005,"end":69.255005,"sentiment":"neutral","sentiment_score":0.038711620664054695},{"text":"Are you okay for me to send the pack through to that?","start":69.255005,"end":71.595,"sentiment":"neutral","sentiment_score":0.026841767132282257}],"sentiment":"neutral","sentiment_score":0.033742822568725656,"channel":0,"num_words":27,"start":61.8,"end":71.595},{"sentences":[{"text":"Yes.","start":71.735,"end":72.055,"sentiment":"neutral","sentiment_score":0.07167474925518036},{"text":"Thank you.","start":72.055,"end":72.875,"sentiment":"neutral","sentiment_score":0.20317406952381134}],"sentiment":"neutral","sentiment_score":0.159340962767601,"channel":1,"num_words":3,"start":71.735,"end":72.875},{"sentences":[{"text":"Perfect.","start":73.255005,"end":73.735,"sentiment":"neutral","sentiment_score":0.20025181770324707},{"text":"Will you be able to look onto the documents with me, or should I just walk you through them?","start":73.735,"end":77.28,"sentiment":"neutral","sentiment_score":0.08650324532860204}],"sentiment":"neutral","sentiment_score":0.0921906739473343,"channel":0,"num_words":20,"start":73.255005,"end":77.28},{"sentences":[{"text":"Yes.","start":79.975,"end":80.295,"sentiment":"neutral","sentiment_score":0.06893571466207504},{"text":"I can.","start":80.295,"end":81.115,"sentiment":"neutral","sentiment_score":0.07588589191436768},{"text":"I'll put you I'll I'll put you on my headphones so in that way I","start":81.174995,"end":86.329994,"sentiment":"neutral","sentiment_score":0.09127080688873927}],"sentiment":"neutral","sentiment_score":0.08832053343454997,"channel":1,"num_words":18,"start":79.975,"end":86.329994},{"sentences":[{"text":"Yep.","start":86.24,"end":86.74,"sentiment":"neutral","sentiment_score":0.10902699828147888}],"sentiment":"neutral","sentiment_score":0.10902699828147888,"channel":0,"num_words":1,"start":86.24,"end":86.74},{"sentences":[{"text":"can have a look at it.","start":86.329994,"end":87.95,"sentiment":"neutral","sentiment_score":0.11001994212468465}],"sentiment":"neutral","sentiment_score":0.11001994212468465,"channel":1,"num_words":6,"start":86.329994,"end":87.95},{"sentences":[{"text":"No worries.","start":88.64,"end":89.54,"sentiment":"neutral","sentiment_score":0.05145960673689842}],"sentiment":"neutral","sentiment_score":0.05145960673689842,"channel":0,"num_words":2,"start":88.64,"end":89.54},{"sentences":[{"text":"Because, yeah, my son's using my laptop.","start":89.53,"end":91.869995,"sentiment":"neutral","sentiment_score":0.0319257453083992},{"text":"So just get","start":92.009995,"end":94.97,"sentiment":"neutral","sentiment_score":0.0298786669348677}],"sentiment":"neutral","sentiment_score":0.03131162179633975,"channel":1,"num_words":10,"start":89.53,"end":94.97},{"sentences":[{"text":"That's","start":94.965004,"end":95.365005,"sentiment":"neutral","sentiment_score":0.031371891498565674}],"sentiment":"neutral","sentiment_score":0.031371891498565674,"channel":0,"num_words":1,"start":94.965004,"end":95.365005},{"sentences":[{"text":"my 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don't pay super, or they do pay super?","start":286.03998,"end":288.22,"sentiment":"neutral","sentiment_score":-0.13615191893445122}],"sentiment":"neutral","sentiment_score":-0.13615191893445122,"channel":0,"num_words":9,"start":286.03998,"end":288.22},{"sentences":[{"text":"so the no.","start":288.22,"end":291.02002,"sentiment":"neutral","sentiment_score":-0.20065440982580185},{"text":"They don't place they don't place no.","start":291.02002,"end":292.46002,"sentiment":"neutral","sentiment_score":-0.2975702370916094},{"text":"No.","start":292.46002,"end":292.62,"sentiment":"neutral","sentiment_score":-0.32288405299186707},{"text":"It's just like a contract.","start":292.62,"end":293.90002,"sentiment":"neutral","sentiment_score":-0.22565714716911317},{"text":"It's a contract job.","start":293.90002,"end":294.78,"sentiment":"neutral","sentiment_score":-0.14052120223641396}],"sentiment":"neutral","sentiment_score":-0.234910474345088,"channel":1,"num_words":20,"start":288.22,"end":294.78},{"sentences":[{"text":"So I can put this into my account if I want to.","start":294.78,"end":297.36002,"sentiment":"neutral","sentiment_score":-0.05957841873168945}],"sentiment":"neutral","sentiment_score":-0.05957841873168945,"channel":1,"num_words":12,"start":294.78,"end":297.36002},{"sentences":[{"text":"Okay.","start":297.815,"end":298.215,"sentiment":"neutral","sentiment_score":0.06111016869544983},{"text":"So what I'll do is would you say your overall income for the year is about 88,000, or is that just from your main role?","start":298.215,"end":305.355,"sentiment":"neutral","sentiment_score":0.10164312705397606}],"sentiment":"neutral","sentiment_score":0.10008416711710967,"channel":0,"num_words":26,"start":297.815,"end":305.355},{"sentences":[{"text":"That's just my main let me see if I can find a place that yeah.","start":306.975,"end":310.49503,"sentiment":"neutral","sentiment_score":0.17024886508782705},{"text":"That's just for my main my main work because that's that's my that's my job.","start":310.49503,"end":316.4,"sentiment":"neutral","sentiment_score":0.2170781522989273}],"sentiment":"neutral","sentiment_score":0.19366350869337717,"channel":1,"num_words":30,"start":306.975,"end":316.4},{"sentences":[{"text":"Okay.","start":317.03,"end":317.43,"sentiment":"neutral","sentiment_score":0.1650599241256714},{"text":"And then would you have a little bit of an estimate on what you would earn for the year from the other contract job even if it's a thousand dollars, 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true.","start":342.5,"end":343.93997,"sentiment":"neutral","sentiment_score":-0.03192822324732939},{"text":"I'm really sorry.","start":343.93997,"end":344.65997,"sentiment":"negative","sentiment_score":-0.4375345508257548}],"sentiment":"neutral","sentiment_score":-0.09682768869858521,"channel":1,"num_words":13,"start":339.13998,"end":344.65997},{"sentences":[{"text":"I don't know if you want to.","start":344.65997,"end":346.03998,"sentiment":"negative","sentiment_score":-0.37906708461897715}],"sentiment":"negative","sentiment_score":-0.37906708461897715,"channel":1,"num_words":7,"start":344.65997,"end":346.03998},{"sentences":[{"text":"K.","start":347.125,"end":347.36502,"sentiment":"neutral","sentiment_score":-0.08317268639802933},{"text":"So I'm gonna put in there an estimated annual income of 91,000, and then I'll trim it down for the super guarantee component from the 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too much, but I just wanna have that","start":368.68,"end":371.16,"sentiment":"neutral","sentiment_score":-0.022211150689558548}],"sentiment":"neutral","sentiment_score":-0.032718258327804506,"channel":0,"num_words":24,"start":364.2,"end":371.16},{"sentences":[{"text":"Okay.","start":371.1525,"end":371.6525,"sentiment":"neutral","sentiment_score":0.0037106527015566826}],"sentiment":"neutral","sentiment_score":0.0037106527015566826,"channel":1,"num_words":1,"start":371.1525,"end":371.6525},{"sentences":[{"text":"there for disclosure purposes.","start":371.16,"end":373.72,"sentiment":"neutral","sentiment_score":0.00642409548163414},{"text":"That's all.","start":373.72,"end":374.415,"sentiment":"neutral","sentiment_score":0.03514190576970577},{"text":"Okay.","start":375.935,"end":376.435,"sentiment":"neutral","sentiment_score":0.04794614017009735},{"text":"In terms of assets and liabilities, do you have a bit of an update on just savings or rainy day fund that I can note down for your 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mortgage?","start":407.64502,"end":413.105,"sentiment":"neutral","sentiment_score":0.08511019597450892}],"sentiment":"neutral","sentiment_score":0.06015796691644937,"channel":0,"num_words":24,"start":403.245,"end":413.105},{"sentences":[{"text":"Just 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months?","start":433.48502,"end":439.56,"sentiment":"neutral","sentiment_score":0.2258728434858115}],"sentiment":"neutral","sentiment_score":0.24034350148091713,"channel":0,"num_words":24,"start":432.52502,"end":439.56},{"sentences":[{"text":"All all avenues, I would 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that pension phase.","start":901.595,"end":903.355,"sentiment":"neutral","sentiment_score":0.05668030753731727},{"text":"Does that make sense?","start":903.355,"end":904.415,"sentiment":"neutral","sentiment_score":0.07529369182884693}],"sentiment":"neutral","sentiment_score":0.06495292277799712,"channel":0,"num_words":9,"start":901.595,"end":904.415},{"sentences":[{"text":"Yep.","start":904.16003,"end":904.66003,"sentiment":"neutral","sentiment_score":0.0870015025138855},{"text":"Yep.","start":904.72003,"end":904.88,"sentiment":"neutral","sentiment_score":0.07897209376096725},{"text":"Yep.","start":904.88,"end":905.38,"sentiment":"neutral","sentiment_score":0.06307753175497055}],"sentiment":"neutral","sentiment_score":0.0763503760099411,"channel":1,"num_words":3,"start":904.16003,"end":905.38},{"sentences":[{"text":"K?","start":905.675,"end":906.15497,"sentiment":"neutral","sentiment_score":0.04139178246259689},{"text":"So in that report that you can see, the first page should be a nice big table with a whole bunch of different investments,","start":906.15497,"end":912.095,"sentiment":"neutral","sentiment_score":0.13695557756970325}],"sentiment":"neutral","sentiment_score":0.133133025765419,"channel":0,"num_words":25,"start":905.675,"end":912.095},{"sentences":[{"text":"Yes.","start":912.72003,"end":913.2,"sentiment":"neutral","sentiment_score":0.09938160330057144},{"text":"Okay, please.","start":913.2,"end":913.905,"sentiment":"neutral","sentiment_score":0.12083631753921509}],"sentiment":"neutral","sentiment_score":0.11368474612633388,"channel":1,"num_words":3,"start":912.72003,"end":913.905},{"sentences":[{"text":"and the second page is all of your portfolio mixed into one thing.","start":913.74,"end":918.72,"sentiment":"neutral","sentiment_score":0.08481806688583814}],"sentiment":"neutral","sentiment_score":0.08481806688583814,"channel":0,"num_words":13,"start":913.74,"end":918.72},{"sentences":[{"text":"The second 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the right hand side of it, if you can make out the figures, it should say a 10.22% net return after fees.","start":927.905,"end":936.965,"sentiment":"neutral","sentiment_score":0.1128483551243941},{"text":"K?","start":939.12,"end":939.36,"sentiment":"neutral","sentiment_score":0.05992068350315094},{"text":"So average for balanced risk is seven to 8%.","start":939.36,"end":943.38,"sentiment":"neutral","sentiment_score":0.12716002762317657},{"text":"So we've gone above that after fees, which is good.","start":943.44,"end":946.18,"sentiment":"positive","sentiment_score":0.3423131212592125},{"text":"You've had quite a large jump up in your balance where you're sitting at just shy of 240,000 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with.","start":1012.64996,"end":1015.79,"sentiment":"neutral","sentiment_score":-0.039697983087255403}],"sentiment":"neutral","sentiment_score":-0.04295237022725975,"channel":1,"num_words":34,"start":1005.965,"end":1015.79},{"sentences":[{"text":"Yep.","start":1016.38,"end":1016.88,"sentiment":"neutral","sentiment_score":0.02606233581900597}],"sentiment":"neutral","sentiment_score":0.02606233581900597,"channel":0,"num_words":1,"start":1016.38,"end":1016.88},{"sentences":[{"text":"It's like, do I tell my work to do that, or do I do that?","start":1016.81,"end":1020.35,"sentiment":"neutral","sentiment_score":-0.0049480947976311045}],"sentiment":"neutral","sentiment_score":-0.0049480947976311045,"channel":1,"num_words":15,"start":1016.81,"end":1020.35},{"sentences":[{"text":"So couple of ideas that I would like to do with you 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on","start":1030.855,"end":1034.535,"sentiment":"neutral","sentiment_score":-0.03905806224793196}],"sentiment":"neutral","sentiment_score":-0.03905806224793196,"channel":0,"num_words":16,"start":1030.855,"end":1034.535},{"sentences":[{"text":"Yep.","start":1034.365,"end":1034.865,"sentiment":"neutral","sentiment_score":-0.010007642209529877}],"sentiment":"neutral","sentiment_score":-0.010007642209529877,"channel":1,"num_words":1,"start":1034.365,"end":1034.865},{"sentences":[{"text":"what's left 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tax.","start":1059.335,"end":1060.3949,"sentiment":"neutral","sentiment_score":-0.01584348517159621}],"sentiment":"neutral","sentiment_score":-0.01584348517159621,"channel":1,"num_words":3,"start":1059.335,"end":1060.3949},{"sentences":[{"text":"Correct.","start":1061.165,"end":1061.565,"sentiment":"neutral","sentiment_score":0.09555519372224808},{"text":"So what happens is if you put 60 in because of the tax differences on it, you're gonna get 45 less in your in your pay","start":1061.565,"end":1069.105,"sentiment":"neutral","sentiment_score":0.12092783602957542}],"sentiment":"neutral","sentiment_score":0.11998810853671145,"channel":0,"num_words":27,"start":1061.165,"end":1069.105},{"sentences":[{"text":"Yes.","start":1069.63,"end":1070.13,"sentiment":"neutral","sentiment_score":0.14911827445030212}],"sentiment":"neutral","sentiment_score":0.14911827445030212,"channel":1,"num_words":1,"start":1069.63,"end":1070.13},{"sentences":[{"text":"rather than 60 less because it's going in pretax, which is fabulous.","start":1069.63,"end":1073.65,"sentiment":"neutral","sentiment_score":0.31573238751540583}],"sentiment":"neutral","sentiment_score":0.31573238751540583,"channel":0,"num_words":12,"start":1069.63,"end":1073.65},{"sentences":[{"text":"Okay.","start":1074.35,"end":1074.85,"sentiment":"neutral","sentiment_score":0.16574722528457642},{"text":"Alright.","start":1075.07,"end":1075.47,"sentiment":"neutral","sentiment_score":0.1893717050552368},{"text":"So I could put more if I wanted to.","start":1075.47,"end":1077.49,"sentiment":"neutral","sentiment_score":0.12829885631799698}],"sentiment":"neutral","sentiment_score":0.13725533065470782,"channel":1,"num_words":11,"start":1074.35,"end":1077.49},{"sentences":[{"text":"Yeah.","start":1077.71,"end":1077.95,"sentiment":"neutral","sentiment_score":0.14790597558021543},{"text":"And that difference in the tax goes to help boost up the super quickly as 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I'll give you a bit of an idea now for where we're kind of headed.","start":1099.77,"end":1103.2899,"sentiment":"neutral","sentiment_score":0.20381018705666065},{"text":"So you've got 240,000 now.","start":1103.2899,"end":1106.19,"sentiment":"neutral","sentiment_score":0.2969373881816864}],"sentiment":"neutral","sentiment_score":0.20593165142356223,"channel":0,"num_words":53,"start":1091.155,"end":1106.19},{"sentences":[{"text":"Yep.","start":1106.5399,"end":1106.7799,"sentiment":"positive","sentiment_score":0.3539164662361145},{"text":"Okay.","start":1106.7799,"end":1107.2799,"sentiment":"neutral","sentiment_score":0.28296709060668945}],"sentiment":"neutral","sentiment_score":0.318441778421402,"channel":1,"num_words":2,"start":1106.5399,"end":1107.2799},{"sentences":[{"text":"If I work out your 88,000 income for the contributions, Chop off a bit of tax off of that.","start":1106.8099,"end":1115.135,"sentiment":"neutral","sentiment_score":0.1989098422621426},{"text":"We've got about 8,900 that goes in per year after tax and fees.","start":1115.135,"end":1120.115,"sentiment":"neutral","sentiment_score":0.19552448506538683}],"sentiment":"neutral","sentiment_score":0.19753454090096056,"channel":0,"num_words":32,"start":1106.8099,"end":1120.115},{"sentences":[{"text":"Mhmm.","start":1120.9551,"end":1121.4551,"sentiment":"neutral","sentiment_score":0.13496552407741547}],"sentiment":"neutral","sentiment_score":0.13496552407741547,"channel":1,"num_words":1,"start":1120.9551,"end":1121.4551},{"sentences":[{"text":"Eleven years to go.","start":1121.775,"end":1122.895,"sentiment":"neutral","sentiment_score":0.15636450052261353},{"text":"And like I said, let's say seven to 8% return benchmark for balanced, you're kind of headed for that $65,700,000 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this is what it might look like if you put a bit extra in and update your portfolio.","start":1225.305,"end":1229.165,"sentiment":"neutral","sentiment_score":0.10587801039218903},{"text":"K?","start":1231.305,"end":1231.805,"sentiment":"neutral","sentiment_score":0.054696593433618546},{"text":"So","start":1232.025,"end":1232.505,"sentiment":"neutral","sentiment_score":0.06531520932912827}],"sentiment":"neutral","sentiment_score":0.10150923810544468,"channel":0,"num_words":21,"start":1225.305,"end":1232.505},{"sentences":[{"text":"Okay.","start":1232.135,"end":1232.635,"sentiment":"neutral","sentiment_score":0.07162456959486008}],"sentiment":"neutral","sentiment_score":0.07162456959486008,"channel":1,"num_words":1,"start":1232.135,"end":1232.635},{"sentences":[{"text":"I will do the research of that in the background, and 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me?","start":1403.3,"end":1406.76,"sentiment":"neutral","sentiment_score":-0.019747770560736008}],"sentiment":"neutral","sentiment_score":-0.019747770560736008,"channel":0,"num_words":11,"start":1403.3,"end":1406.76},{"sentences":[{"text":"602525.","start":1406.815,"end":1408.675,"sentiment":"neutral","sentiment_score":-0.003103617113083601}],"sentiment":"neutral","sentiment_score":-0.003103617113083601,"channel":1,"num_words":1,"start":1406.815,"end":1408.675},{"sentences":[{"text":"That's the 1502525?","start":1408.74,"end":1411.64,"sentiment":"neutral","sentiment_score":-0.0015452243387699127},{"text":"Alright.","start":1412.98,"end":1413.48,"sentiment":"neutral","sentiment_score":0.042981959879398346},{"text":"And I'll make sure so that's what you wanted on both the super and the life insurance.","start":1413.54,"end":1417.38,"sentiment":"neutral","sentiment_score":0.06701171529643676},{"text":"Is that 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it","start":1426.315,"end":1427.035,"sentiment":"neutral","sentiment_score":0.059943134586016335}],"sentiment":"neutral","sentiment_score":0.059943134586016335,"channel":0,"num_words":3,"start":1426.315,"end":1427.035},{"sentences":[{"text":"Yeah.","start":1426.905,"end":1427.405,"sentiment":"neutral","sentiment_score":0.10836783051490784}],"sentiment":"neutral","sentiment_score":0.10836783051490784,"channel":1,"num_words":1,"start":1426.905,"end":1427.405},{"sentences":[{"text":"because life insurance can go to anybody.","start":1427.035,"end":1428.875,"sentiment":"neutral","sentiment_score":0.14834454655647278},{"text":"You can go to charity.","start":1428.875,"end":1429.755,"sentiment":"neutral","sentiment_score":0.1977936655282974},{"text":"You can go to partners and 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spouse?","start":1431.9401,"end":1433.14,"sentiment":"neutral","sentiment_score":0.043803774565458295},{"text":"Who's your dependents?","start":1433.14,"end":1434.04,"sentiment":"neutral","sentiment_score":0.033190123115976654}],"sentiment":"neutral","sentiment_score":0.03982365527190268,"channel":0,"num_words":8,"start":1431.9401,"end":1434.04},{"sentences":[{"text":"Yeah.","start":1434.265,"end":1434.505,"sentiment":"neutral","sentiment_score":0.03759070485830307},{"text":"Okay.","start":1434.505,"end":1435.005,"sentiment":"neutral","sentiment_score":0.036627210676670074},{"text":"Yeah.","start":1435.0651,"end":1435.5651,"sentiment":"neutral","sentiment_score":0.0341801643371582}],"sentiment":"neutral","sentiment_score":0.03613269329071045,"channel":1,"num_words":3,"start":1434.265,"end":1435.5651},{"sentences":[{"text":"K.","start":1436.42,"end":1436.92,"sentiment":"neutral","sentiment_score":0.024907875806093216},{"text":"So I'll go spouse, child, child.","start":1437.06,"end":1440.2001,"sentiment":"neutral","sentiment_score":0.0496446763475736},{"text":"I'll make sure that's across both.","start":1442.02,"end":1443.62,"sentiment":"neutral","sentiment_score":0.08364131053288777},{"text":"Now with your insurance policy, I","start":1443.62,"end":1447.815,"sentiment":"neutral","sentiment_score":0.01805269330119093}],"sentiment":"neutral","sentiment_score":0.049102102994526685,"channel":0,"num_words":19,"start":1436.42,"end":1447.815},{"sentences":[{"text":"Yeah.","start":1447.7101,"end":1448.2101,"sentiment":"neutral","sentiment_score":0.0011836690828204155}],"sentiment":"neutral","sentiment_score":0.0011836690828204155,"channel":1,"num_words":1,"start":1447.7101,"end":1448.2101},{"sentences":[{"text":"need I need to show you this one.","start":1447.815,"end":1449.675,"sentiment":"neutral","sentiment_score":0.004497550311498344},{"text":"Can you still see the attachments on the email that I sent you?","start":1449.735,"end":1452.875,"sentiment":"neutral","sentiment_score":0.03116088589796653},{"text":"So on the bottom, there is a ClearView certificate of currency.","start":1455.095,"end":1459.335,"sentiment":"neutral","sentiment_score":0.11358045447956432},{"text":"It's a lovely pinky purple 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premiums are jumping up every single year, and they jumped up again in March.","start":1465.9199,"end":1470.6599,"sentiment":"neutral","sentiment_score":0.28972798883914946},{"text":"And we're clearing $7,000 a year coming out of the super.","start":1470.96,"end":1474.72,"sentiment":"positive","sentiment_score":0.42877640507437964},{"text":"So I'm glad that the super has grown well even with all the fees coming out, but it's it's one of those things where next year, that'll probably be 9,000.","start":1474.72,"end":1484.5349,"sentiment":"positive","sentiment_score":0.3858721603794644},{"text":"And the year after that, it could be 11,000.","start":1484.5349,"end":1486.715,"sentiment":"neutral","sentiment_score":0.074163269251585}],"sentiment":"neutral","sentiment_score":0.32778606958544027,"channel":0,"num_words":65,"start":1465.9199,"end":1486.715},{"sentences":[{"text":"Yes.","start":1486.685,"end":1486.925,"sentiment":"neutral","sentiment_score":-0.024484621360898014}],"sentiment":"neutral","sentiment_score":-0.024484621360898014,"channel":1,"num_words":1,"start":1486.685,"end":1486.925},{"sentences":[{"text":"And","start":1486.775,"end":1487.275,"sentiment":"neutral","sentiment_score":-0.04991254583001137}],"sentiment":"neutral","sentiment_score":-0.04991254583001137,"channel":0,"num_words":1,"start":1486.775,"end":1487.275},{"sentences":[{"text":"So I think premiums high because they were it had to do with so we went it took so long to go from A and P to with with regards to '24 and to get the insurance that I wanted","start":1486.925,"end":1504.0901,"sentiment":"neutral","sentiment_score":-0.08799100527539849}],"sentiment":"neutral","sentiment_score":-0.08799100527539849,"channel":1,"num_words":40,"start":1486.925,"end":1504.0901},{"sentences":[{"text":"Yep.","start":1504.595,"end":1505.095,"sentiment":"neutral","sentiment_score":0.00186813878826797}],"sentiment":"neutral","sentiment_score":0.00186813878826797,"channel":0,"num_words":1,"start":1504.595,"end":1505.095},{"sentences":[{"text":"because a because I I was extremely honest and said that I see a doctor for a fatty liver.","start":1505.085,"end":1511.585,"sentiment":"neutral","sentiment_score":-0.06506483178389699}],"sentiment":"neutral","sentiment_score":-0.06506483178389699,"channel":1,"num_words":19,"start":1505.085,"end":1511.585},{"sentences":[{"text":"Uh-huh.","start":1512.515,"end":1512.915,"sentiment":"neutral","sentiment_score":-0.022939985617995266},{"text":"I 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visit","start":1523.43,"end":1529.85,"sentiment":"neutral","sentiment_score":0.01162348518317396}],"sentiment":"neutral","sentiment_score":0.01865618174465803,"channel":1,"num_words":26,"start":1522.0701,"end":1529.85},{"sentences":[{"text":"Okay.","start":1530.755,"end":1531.255,"sentiment":"neutral","sentiment_score":0.05089941993355751}],"sentiment":"neutral","sentiment_score":0.05089941993355751,"channel":0,"num_words":1,"start":1530.755,"end":1531.255},{"sentences":[{"text":"because I wasn't that worried.","start":1530.975,"end":1532.735,"sentiment":"neutral","sentiment_score":0.03280023038387299},{"text":"So they said when things change, then I will have to my premium will probably change, but that's the reason I'm on such a high premium.","start":1532.735,"end":1539.955,"sentiment":"neutral","sentiment_score":-0.1316828690469265},{"text":"Whereas, like, I mean, I'm not even like, I'm just an old 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a","start":2426.295,"end":2429.895,"sentiment":"neutral","sentiment_score":0.196908600628376}],"sentiment":"neutral","sentiment_score":0.2560273507429707,"channel":0,"num_words":31,"start":2422.27,"end":2429.895},{"sentences":[{"text":"Yep.","start":2429.8152,"end":2430.3152,"sentiment":"neutral","sentiment_score":0.1729254424571991}],"sentiment":"neutral","sentiment_score":0.1729254424571991,"channel":1,"num_words":1,"start":2429.8152,"end":2430.3152},{"sentences":[{"text":"call to either go through the research, update, or book in for me straightaway to go through the plan.","start":2429.895,"end":2435.275,"sentiment":"neutral","sentiment_score":0.24769607539239683}],"sentiment":"neutral","sentiment_score":0.24769607539239683,"channel":0,"num_words":19,"start":2429.895,"end":2435.275},{"sentences":[{"text":"Okay.","start":2435.175,"end":2435.675,"sentiment":"positive","sentiment_score":0.4425314664840698},{"text":"Sounds 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The agent provides estimates for their income and assets, and provides an update on their retirement goals and savings. They also discuss the benefits of balancing risk levels and reducing risk levels for retirement. The agent provides advice on setting up an investment account and revisits their goals for retirement. They also discuss insurance policies and the process for estate planning. The customer expresses interest in investing in their car and potentially putting their mortgage in the market. The agent provides estimates for their income and assets and discusses the benefits of reducing risk levels and reducing risk levels for retirement. They also provide information on insurance policies and the process for signing documents and updating records."},"intents":{"segments":[{"text":"I'm not sure whether we had it scheduled for three or 04:00, so I just wanted to double check with you if you still had some time for me. Yes.","start_word":25,"end_word":54,"intents":[{"intent":"Check availability","confidence_score":0.28560534}]},{"text":"Before I jump into it, I will send you out a bit of an email review pack and just quickly check security with you if that's okay. Yeah.","start_word":60,"end_word":87,"intents":[{"intent":"Send review pack","confidence_score":0.5923793}]},{"text":"Could you please confirm your date of birth and address?","start_word":105,"end_word":114,"intents":[{"intent":"Confirm identity","confidence_score":0.11578014}]},{"text":"What I'll do to start with as well is we'll update a few details, and I'll go through a few ideas with you. And then there's only a couple of documents I wanted to walk you through as well. Yep.","start_word":294,"end_word":333,"intents":[{"intent":"Update documents","confidence_score":0.06453776}]},{"text":"Can you hear me okay on the headphones? Cool. Okay.","start_word":336,"end_word":345,"intents":[{"intent":"Check audio clarity","confidence_score":0.004750983}]},{"text":"It's just that when I work for this this contract job, it's how long they can pay me on this. I pay annually.","start_word":758,"end_word":780,"intents":[{"intent":"Address compensation concerns","confidence_score":0.00009777985}]},{"text":"So I'm gonna put in there an estimated annual income of 91,000, and then I'll trim it down for the super guarantee component from the contribution. Is that okay? Okay.","start_word":1009,"end_word":1038,"intents":[{"intent":"Obtain financial information","confidence_score":0.002131683}]},{"text":"in I'd like terms of to goals, do you have yep. any plans for what to do with the cash once you sell it? Do you have any priorities?","start_word":1693,"end_word":1721,"intents":[{"intent":"Clarify goals","confidence_score":0.021913188}]},{"text":"So let me walk you through that. I'm just gonna quickly double check these goals with you, and I'm gonna go into your performance report. Do you still Mhmm. have that email open as well? Yes, ma'am. So one of the attachments at the bottom of the email, like a normal PDF attachments, you'll Mhmm. see a hub twenty four performance report as well.","start_word":2247,"end_word":2310,"intents":[{"intent":"Guide advisor by reference","confidence_score":5.033629e-12}]},{"text":"And then as you're nearing retirement, I have to also consider when to reduce your risk level back down because Yes.","start_word":2366,"end_word":2386,"intents":[{"intent":"Reduce risk level","confidence_score":0.73539513}]},{"text":"your portfolio, and I'm gonna kind of break it down for you, you're in a balanced fund, which is a three out of five on the risk scale. We call that medium risk. Yeah.","start_word":2387,"end_word":2420,"intents":[{"intent":"Transform portfolio","confidence_score":0.00004050453}]},{"text":"got less than that to go, we need to start transitioning you into retirement where instead of 70% of your money being in growth assets like shares and property and gold, we then Yep. start to wind that back to 60%, 50%, 40% on your Okay.","start_word":2455,"end_word":2500,"intents":[{"intent":"Transition into retirement phase","confidence_score":0.12282567}]},{"text":"So we try and get as many of those out of it as we can until we have to reduce your risk level down. Okay.","start_word":2710,"end_word":2734,"intents":[{"intent":"Reduce risk level","confidence_score":0.4339025}]},{"text":"thing I wanted to do was I don't know if if we need I'll speak about it now or once you're finished. Because I I just you know, you just waste a little bit of money on, like, shipping things, like, cost savings, etcetera. And I and Yeah.","start_word":2738,"end_word":2785,"intents":[{"intent":"Ask about savings","confidence_score":0.0000010251957}]},{"text":"So I I speak to my work and that's just something to do with my money too. Yeah?","start_word":3255,"end_word":3272,"intents":[{"intent":"Manage investments","confidence_score":0.0036157034}]},{"text":"We can go through the updated plan together. Sounds good.","start_word":3528,"end_word":3537,"intents":[{"intent":"Explore plans","confidence_score":0.00329527}]},{"text":"And So I think premiums high because they were it had to do with so we went it took so long to go from A and P to with with regards to '24 and to get the insurance that I wanted Yep.","start_word":4133,"end_word":4174,"intents":[{"intent":"Get insurance","confidence_score":0.020621387}]},{"text":"what I would like to do is if there's any loadings on the policy, which is an increase due to the the Yep. fatty liver kind of thing, I can either get that review with Clearview or potentially look at another provider and see who's gonna get you the best deal. Yep.","start_word":4402,"end_word":4453,"intents":[{"intent":"Get review","confidence_score":0.016431967},{"intent":"Look at another provider","confidence_score":0.01588383}]},{"text":"which Because, like, it's it's one of those ones where it's so anytime you get that tag, they double the price, and that's the bigger hit as well.","start_word":4484,"end_word":4511,"intents":[{"intent":"Reviewing pricing","confidence_score":1.1472352e-7}]},{"text":"And the space out to twelve months is really good. And Mhmm. if that's all it is kinda thing, I'm happy to go do a few anonymous phone calls to Clearview and other insurers to see if I can see That'll a better deal for you. be great.","start_word":4544,"end_word":4591,"intents":[{"intent":"Considering healthcare options","confidence_score":0.0006567085}]},{"text":"if that's all it is kinda thing, I'm happy to go do a few anonymous phone calls to Clearview and other insurers to see if I can see That'll a better deal for you. be great.","start_word":4556,"end_word":4591,"intents":[{"intent":"Seeking resolution","confidence_score":0.00027977832}]},{"text":"Like so, like, theoretically, I don't even have these conditions because I'm just keeping an eye on it. I'm doing the right thing. 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Yes.","start_word":4925,"end_word":4934,"intents":[{"intent":"Improve things","confidence_score":0.66396797}]},{"text":"So I'll do the cover amounts as they are, and I'll see if I can get any reviews on Clearview or a different provider.","start_word":5056,"end_word":5079,"intents":[{"intent":"Get reviews on clearview","confidence_score":0.2109217},{"intent":"Get reviews on clearview","confidence_score":0.0441624}]},{"text":"The last question I had was in terms of the estate planning, I know the beneficiaries are all getting fixed up, but I had a note I was trying to cross reference my data in the new system. It says that you've got a power of attorney in place, but maybe not a will. I don't have a will. No.","start_word":5451,"end_word":5510,"intents":[{"intent":"Resolve estate planning","confidence_score":0.00015281852}]},{"text":"So what happens with our new system is if you hit Mhmm. that, it'll open up into the Odoo it's like a DocuSign, and it'll Yep. allow you to scroll through the document to look at it first. Yep.","start_word":6166,"end_word":6204,"intents":[{"intent":"Check system functionality","confidence_score":0.0012560128}]},{"text":"So do I do sign all or just sign?","start_word":6401,"end_word":6409,"intents":[{"intent":"Requesting sign-up","confidence_score":0.0034987635},{"intent":"Requesting approval for signature","confidence_score":0.002524345}]},{"text":"So do I do sign all or just sign? Mhmm.","start_word":6401,"end_word":6410,"intents":[{"intent":"Requesting consent for signing","confidence_score":0.000036965037}]},{"text":"If you have any one, we can provide you a copy anytime, but it just gives you that prompt to download it straight away. Okay.","start_word":6494,"end_word":6518,"intents":[{"intent":"Asking for confirmation","confidence_score":0.017062664},{"intent":"Requesting download","confidence_score":0.056870833}]},{"text":"Now, Aleema, do you have any questions for me at the moment from the annual review?","start_word":6523,"end_word":6538,"intents":[{"intent":"Requesting information","confidence_score":0.0033778138},{"intent":"Asking for questions","confidence_score":0.025013348},{"intent":"Asking for questions","confidence_score":0.02079217},{"intent":"Asking for clarification","confidence_score":0.13387334}]},{"text":"I'll optimize things and give it a bit of an engine tune up as well to keep it going. Oh, look.","start_word":6626,"end_word":6646,"intents":[{"intent":"Optimize investments","confidence_score":0.328371},{"intent":"Maximize investments","confidence_score":0.028241087}]},{"text":"Are you okay for the team to kind of reach out over the next couple of weeks if they need any more information for the insurance? Yes. Research.","start_word":6715,"end_word":6742,"intents":[{"intent":"Reach out to team","confidence_score":0.27722308}]},{"text":"I mean, at least I still got the insurance because the last time I didn't have any of the insurance. Yeah.","start_word":6806,"end_word":6826,"intents":[{"intent":"Clarify insurance","confidence_score":0.32780334}]},{"text":"If they can get me a better premium, it'll be amazing.","start_word":6843,"end_word":6853,"intents":[{"intent":"Get better premium","confidence_score":0.24828956}]},{"text":"And the good thing too is if we do do any alterations with Clearview or switch to another provider, they do do pro rata refunds as well. So if it's Oh, okay. only a a month into the year and you've paid for a year, they'll give you eleven months back or whatever it is. Correct. Yep.","start_word":6854,"end_word":6910,"intents":[{"intent":"Offer refunds","confidence_score":0.15549807}]}]},"sentiments":{"segments":[{"text":"Hello? Hello? Good afternoon, Halima. It's Tommy here from Oakview Hi, Financial. Tommy. How are you doing? Good. How are you?","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.17190329730510712},{"text":"I'm doing absolutely fantastic.","start_word":21,"end_word":24,"sentiment":"positive","sentiment_score":0.7164797186851501},{"text":"I'm not sure whether we had it scheduled for three or 04:00, so I just wanted to double check with you if you still had some time for me. Yes. Yes. Yes.","start_word":25,"end_word":56,"sentiment":"neutral","sentiment_score":0.01435550395399332},{"text":"All good. Perfect.","start_word":57,"end_word":59,"sentiment":"positive","sentiment_score":0.4642340838909149},{"text":"Before I jump into it, I will send you out a bit of an email review pack and just quickly check security with you if that's okay. Yeah. Of course. Sensational. So I'm registered with ASIC as adviser one two seven three one zero five. Could you please confirm your date of birth and address? Six of the first nineteen seventy two. Number 8 Yelversin, 27, New South Wales 2044. Sorry.","start_word":60,"end_word":130,"sentiment":"neutral","sentiment_score":0.06256929785013199},{"text":"Amazing. Thank you so much for that. How have you been going?","start_word":131,"end_word":142,"sentiment":"positive","sentiment_score":0.5167394876480103},{"text":"I know we we miss each other when you got back from overseas. Was your Yeah. trip I good?","start_word":143,"end_word":161,"sentiment":"neutral","sentiment_score":0.10868541896343233},{"text":"got back last week, so it's all good.","start_word":162,"end_word":169,"sentiment":"positive","sentiment_score":0.35714253783226013},{"text":"Yes. I would have been delirious last week. No. Totally fair. And I don't want to be trying to throw all this finance jargon at you while you're trying to sleep, Yep. so that's totally fair. Halima, I've got your email address for your Gmail account listed. Are you okay for me to send the pack through to that? Yes. Thank you. Perfect. Will you be able to look onto the documents with me, or should I just walk you through them? Yes. I can. I'll put you I'll I'll put you on my headphones so in that way I Yep. can have a look at it. No worries. Because, yeah, my son's using my laptop. So just get That's my headphones. okay. Sorry. What I'll do to start with as well is we'll update a few details, and I'll go through a few ideas with you. And then there's only a couple of documents I wanted to walk you through as well. Yep. Okay. K. Can you hear me okay on the headphones? Cool. Okay. So can you hear me okay? It's a little bit muffled, but I do have you. I know.","start_word":170,"end_word":363,"sentiment":"neutral","sentiment_score":0.027635036055574713},{"text":"It's not the best.","start_word":364,"end_word":367,"sentiment":"negative","sentiment_score":-0.5317815542221069},{"text":"Actually, Let me just I speak. can make that out. That's fine. I'll just make sure everyone around me doesn't start making a party in the background, and I should be perfectly fine. Okay. Aleema, is there anything in particular you're hoping to get out of this annual review I get started? No. Not really. I guess it's just hearing what you guys have to say and how they're going, I guess. Yeah. Just a bit of a general update on how things are going. Yep. No worries. Now I've got a few details here in our system from your last review. So I was just gonna briefly start there and just see if there's been any significant changes and if the details on our system is accurate. Is that okay? Okay. Yep.","start_word":368,"end_word":500,"sentiment":"neutral","sentiment_score":0.11267941445112228},{"text":"Cool.","start_word":501,"end_word":501,"sentiment":"positive","sentiment_score":0.34371545910835266},{"text":"I've got you listed here as married to Christian with Emmanuel and Zachariah as your children.","start_word":502,"end_word":517,"sentiment":"neutral","sentiment_score":0.24989835917949677},{"text":"Perfect.","start_word":518,"end_word":518,"sentiment":"positive","sentiment_score":0.5359776616096497},{"text":"Yep. We've got Gmail's fine. Phone number is fine. We had you listed as a hairdresser earning 88,000 per year with balance. Yes. Alrighty. And putting aside maybe 300 a week on average in terms of savings, how are you going with all the cost of living? Let me do I still have you there? If you can hear me, I've just had the sound cut out for a moment. Oh, sorry. I'm muted. So I'm not used to these headphones. That's okay. I do the same thing every time when I touch Yeah. it on Yeah. my I ear, know. it just hits Because the mute it's or I hang don't up think button. it's just not here. I don't know if it's just not here very well. I've gotta keep a document. I just have to clean change. Yeah. That's okay. I was just checking in terms of savings and cost of living with you. Yes. No. So everything's fine. I'm going over going over to the, I don't know, work trip. Like, I have to sacrifice for a little bit of my savings this time because, like, it's a separate job kind of thing. Yeah. Yeah. So I get you. yes. So I don't think my weekly wages. So I have to wait till I get paid from the this particular job.","start_word":519,"end_word":743,"sentiment":"neutral","sentiment_score":-0.07459414675831795},{"text":"Oh, it's But gonna now drop, that's the is worst.","start_word":744,"end_word":753,"sentiment":"negative","sentiment_score":-0.4989281892776489},{"text":"it?","start_word":754,"end_word":754,"sentiment":"neutral","sentiment_score":-0.1705152690410614},{"text":"No. No. No.","start_word":755,"end_word":757,"sentiment":"negative","sentiment_score":-0.4000410735607147},{"text":"It's just that when I work for this this contract job, it's how long they can pay me on this. I pay annually. So it switches Yes. around a little bit And every normally, now and then. I do that. Yes. So it's only, I think, like, you know, maybe once a year to do, like, a trip overseas, and then they find it to the place to a completely different company. Oh, Yes. and So they don't pay super, or they do pay super? so the no. They don't place they don't place no. No. It's just like a contract. It's a contract job. So I can put this into my account if I want to. Okay. So what I'll do is would you say your overall income for the year is about 88,000, or is that just from your main role? That's just my main let me see if I can find a place that yeah. That's just for my main my main work because that's that's my that's my job. Okay. And then would you have a little bit of an estimate on what you would earn for the year from the other contract job even if it's a thousand dollars, 5, It's 10 on top of that? not just it's it's not just 15 to that. So, yeah, I would say maybe 3. Yep. Okay. 3,000. So yeah. Yeah. So my post is still true.","start_word":758,"end_word":996,"sentiment":"neutral","sentiment_score":-0.01945303939282894},{"text":"I'm really sorry. I don't know if you want to.","start_word":997,"end_word":1006,"sentiment":"negative","sentiment_score":-0.38808783888816833},{"text":"K. So I'm gonna put in there an estimated annual income of 91,000, and then I'll trim it down for the super guarantee component from the contribution. Is that okay? Okay. So does that does that does that make a difference in any way? Not Yeah. really. It's it's gonna obviously, bit of percentage on a couple of grand. Doesn't impact it too much, but I just wanna have that Okay. there for disclosure purposes. That's all. Okay. In terms of assets and liabilities, do you have a bit of an update on just savings or rainy day fund that I can note down for your assets? Oh, so just like for the savings thing? Yeah. Whether it's a couple of grand, 5,010, Yeah. It's don't not have a million full. dollars under the mattress. No. It's not. It's just like it's gone down to 4. It was more, but it's now just falling out. 4 and a half, did you say? Yep.","start_word":1007,"end_word":1169,"sentiment":"neutral","sentiment_score":-0.01413915547445142},{"text":"Perfect.","start_word":1170,"end_word":1170,"sentiment":"positive","sentiment_score":0.4014737010002136},{"text":"In terms of your main residence, are you still owing about 670,000 on the mortgage? Just 31353. 631353. Mhmm.","start_word":1171,"end_word":1189,"sentiment":"neutral","sentiment_score":0.0731038898229599},{"text":"Fantastic.","start_word":1190,"end_word":1190,"sentiment":"positive","sentiment_score":0.5731686353683472},{"text":"And 1,500,000 for the value, would that be pretty close, or would you reckon it's jumped up a lot the last twelve months? All all avenues, I would say. K. I I don't might have even any just quickly paperwork, check the but online. I would say it is. Yes. Let's have a quick look. I'm just gonna put in your address for a moment because Yep.","start_word":1191,"end_word":1257,"sentiment":"neutral","sentiment_score":0.0982384756207466},{"text":"I found that the online estimates are pretty good.","start_word":1258,"end_word":1266,"sentiment":"positive","sentiment_score":0.4389289319515228},{"text":"I know that everything's changing at the moment, but it gives us a good estimation. Yeah. Here we go. I think it's saying even 1.7 is a medium a high confidence middle range. So I might put that in there. K. And then just the motor vehicle was the only other asset that we've got with no car loan.","start_word":1267,"end_word":1325,"sentiment":"neutral","sentiment_score":0.24779827892780304},{"text":"Perfect.","start_word":1326,"end_word":1326,"sentiment":"positive","sentiment_score":0.4966873526573181},{"text":"Any other loans or shares or crypto or anything else? Well, I do I I have, like, a 184 pairs with IAG, but I don't actually have that I don't have that handy, so I can tell you what. It's not it's not much at all. Yep. No. That's okay. I can work that out because the current share price as of today is $7.54. And if you have a 184 shares oh, sorry. I've miscalculated that. $7.54 and a 184 shares, $1,387. Mhmm. And what's the car that you've got? On the We just had a vehicle listed just in general for 12,000. There was no name of car or or make or model. oh, okay. Yes. So that's changed. Okay. Yes. So I I have a a car that's oh my god. It's a Toyota Hilux GR four. So it's just me. Oh. Okay. So we've got a Toyota Hilux GR four, and it's GR a '20 four. '24 model. 2024 model. I'm gonna pop that in quickly. And they're valued at about 7 60 to 70,000. I think, Should I yeah, just I think put it in was 60 seventy it 5 was in I think the it middle? was 75 last year. So, yes, I was going with my baby. You know, it's past. I'm sorry. Thank you very much. Yep. Oh, could you repeat that again? You you were gonna put it up for sale? Yes. I got I got it. I wanna say I wanna try, and I wanna try it there last year. And that but I've got it at this price at the moment. Oh, okay. Caravan up for sale. Yes. But I don't know. Sorry. No. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm Okay. Perfect. Do sorry. you know I just how much you're hoping to clear for that one? Yep. So realistically, 67. But it's still like, if you bought it now, revenue, I think it's 87,900.","start_word":1327,"end_word":1665,"sentiment":"neutral","sentiment_score":0.00021664139465772295},{"text":"Wow. So we'll probably expect next year the nice big cash lump sum still sitting there.","start_word":1666,"end_word":1681,"sentiment":"positive","sentiment_score":0.38875386118888855},{"text":"Well, So hopefully, if I got yes. I can sell it. in I'd like terms of to goals, do you have yep. any plans for what to do with the cash once you sell it? Do you have any priorities? I Is was it going gonna on put the mortgage? it in a yeah. I was gonna just put it in off setting in my mortgage. Yep. To be put. But, yeah, I think once it was done, I would probably gonna give you guys a call to see what is the best thing to do, I think, which Yeah. is what you're there for. Absolutely. And it's one of the things where it's like you just offset the mortgage. Do you invest it? Do you put it in your suburb? Do you do all kinds of different strategies with it? One of the things that I can sort of say up front is that Yes. the way things have changed recently with interest Yes. Yes. rates going up and the stock market going down, it's Yes. kind of squashed it together. Whereas back when I started in the industry and your interest rate was 2% and you could get 10% in investments, really Yes. good Yes. idea to invest and grow your wealth When you can offset your 6% mortgage and the stock market might get you 7%, it's a lot less attractive at the current environment. Probably, I would say the mortgage at the moment, and the reason why I say that is because it's a good holding pattern for the cash because you can access it if you need to. Yes. If the economy tanks, it offsets the mortgage. And then after the years elapsed, you can do things with it towards the end of financial year as well if we need to. Yep. And then in in addition to that, we just have to be careful because all the legislation's changing. So if I try to set you up with an investment account and they wipe out the CGT discount, then all of a sudden, that's less it. Yeah. There's a lot of things moving at the moment that haven't passed. So I think should we have a bit of a catch up in you wouldn't just do, like, that annual review in twelve months to sort of go through a few other ideas and strategies then? Do you want me to pencil you Oh, in okay. for six months before Christmas? Or Okay. So I don't so that was already due for this time? well, no. Not yet. So what I'm thinking, I'll go through the super and the insurance with you now. But just in terms of the cash proceeds from the caravan, Yep. it would be best to just yeah. Once it's done, once we've got a bit of an idea of the economy and legislation, we can revisit it.","start_word":1682,"end_word":2168,"sentiment":"neutral","sentiment_score":-0.019698056340737752},{"text":"Perfect.","start_word":2169,"end_word":2169,"sentiment":"positive","sentiment_score":0.5327562093734741},{"text":"No. I wouldn't cut it that short.","start_word":2170,"end_word":2176,"sentiment":"neutral","sentiment_score":-0.00006141717312857509},{"text":"You get much better service than that, Halima.","start_word":2177,"end_word":2184,"sentiment":"positive","sentiment_score":0.3744285106658935},{"text":"No. No. I was just gonna double check it because I know I asked this. Obviously, with the super so I'm looking here again. The way the super close because then I went on to the app. It's like it's being invested. Is that right? It's been, like, invested in stuff, and that's how it's growing. Is that right? Yeah. Yeah. Yep. So let me walk you through that. I'm just gonna quickly double check these goals with you, and I'm gonna go into your performance report. Do you still Mhmm. have that email open as well? Yes, ma'am. So one of the attachments at the bottom of the email, like a normal PDF attachments, you'll Mhmm. see a hub twenty four performance report as well. Yep. Now I've got you listed down where we're trying to retire around the age of 65, mortgage paid off, and about a pound sorry? Yes, please. If you can open that one, I'll walk you through it. So we've got about eleven years until retirement to, I guess, grow the super for a while. And then as you're nearing retirement, I have to also consider when to reduce your risk level back down because Yes. your portfolio, and I'm gonna kind of break it down for you, you're in a balanced fund, which is a three out of five on the risk scale. We call that medium risk. Yeah. I'm on Yep. a Absolutely. So the minimum high time frame for that medium risk. is seven years to make sure Mhmm. you can get those average returns that you need. Once you've Okay. got less than that to go, we need to start transitioning you into retirement where instead of 70% of your money being in growth assets like shares and property and gold, we then Yep. start to wind that back to 60%, 50%, 40% on your Okay. way into that pension phase. Does that make sense? Yep. Yep. Yep. K? So in that report that you can see, the first page should be a nice big table with a whole bunch of different investments, Yes. Okay, please. and the second page is all of your portfolio mixed into one thing. The second page. Yeah? So what California. you can see on the second page Yes. is, like, it's one row. Yes. And what I can show you is on the right hand side of it, if you can make out the figures, it should say a 10.22% net return after fees. K? So average for balanced risk is seven to 8%. So we've gone above that after fees, which is good. You've had quite a large jump up in your balance where you're sitting at just shy of 240,000 today. No. You're totally fine. So you went from 208,000 to 240,000 in the last twelve months in terms of contributions and growth. Okay. Okay. Okay? Mhmm.","start_word":2185,"end_word":2669,"sentiment":"neutral","sentiment_score":0.08659108319540613},{"text":"So it's very good.","start_word":2670,"end_word":2673,"sentiment":"positive","sentiment_score":0.5732555389404297},{"text":"And one Yep. of the the balancing acts that we have to do is that you're getting because it's percentage based returns, every Yes. 10% now is, like, $20,000 on top of your contributions. Okay. So we try and get as many of those out of it as we can until we have to reduce your risk level down. Okay. So the other K. thing I wanted to do was I don't know if if we need I'll speak about it now or once you're finished. Because I I just you know, you just waste a little bit of money on, like, shipping things, like, cost savings, etcetera. And I and Yeah. I think when we were first rolling over to Hub twenty four, I was thinking about putting, like, more money in. So I was, like, thinking maybe $50 a week to start off with. Yep. It's like, do I tell my work to do that, or do I do that? So couple of ideas that I would like to do with you is Mhmm. so 60 a week goes in pretax as salary sacrifice, where if Yep. you tell your work, they're gonna take it out of your pay and tax you on Yep. what's left over. So Yep. because the super is 15% tax rate and you've got that bracket there, that sort of 32% bracket, Yes. you will save that 17% on every dollar that you put in. So the way it would work is if you put in 60, it'll probably impact your pay by about 45 to 50 Admin. I do dollars. not pay tax. Correct. So what happens is if you put 60 in because of the tax differences on it, you're gonna get 45 less in your in your pay rather Yes.","start_word":2674,"end_word":2973,"sentiment":"neutral","sentiment_score":0.05508416580657164},{"text":"than 60 less because it's going in pretax, which is fabulous.","start_word":2974,"end_word":2984,"sentiment":"positive","sentiment_score":0.3445902466773987},{"text":"Okay. Alright. So I could put more if I wanted to. Yeah. And that difference in the tax goes to help boost up the super quickly as well. Yeah. Okay. So it's $50.60 dollars in, like, a good amount for the time that I have to put extra in my Yeah. circle. So what I'll do is I'm gonna give you an updated statement of advice where I kind of update your plan and your projections for you so you've got that in writing. But I'll give you a bit of an idea now for where we're kind of headed. So you've got 240,000 now.","start_word":2985,"end_word":3089,"sentiment":"neutral","sentiment_score":0.1808372437953949},{"text":"Yep.","start_word":3090,"end_word":3090,"sentiment":"positive","sentiment_score":0.3539164662361145},{"text":"Okay. If I work out your 88,000 income for the contributions, Chop off a bit of tax off of that. We've got about 8,900 that goes in per year after tax and fees. Mhmm. Eleven years to go. And like I said, let's say seven to 8% return benchmark for balanced, you're kind of headed for that $65,700,000 mark. Mhmm. Now from there, if we add Yeah. on that $60 of salary sacrifice, Yep. I'm gonna add that on to here, that bumps your contributions up to 12,000, Yes. and that gets you from $6.50 to 700,000 as a minimum and from 7 Mhmm. 100 to $7.60 as a maximum. So for every $60 a week that you can put in, it's an extra Yep. $60,000 in the decade.","start_word":3091,"end_word":3219,"sentiment":"neutral","sentiment_score":0.1762736439704895},{"text":"Oh, okay. That's pretty good. And that'll probably give you an extra two years' worth of income for your retirement goal for every time you do that.","start_word":3220,"end_word":3246,"sentiment":"positive","sentiment_score":0.5746389031410217},{"text":"Yeah. Yeah. Okay. Alright. So I yeah. Okay. So I I speak to my work and that's just something to do with my money too. Yeah? Correct. We just gotta make sure we don't go over the cap, which is quite large. They've increased it to 32 and a half thousand, so you're not gonna get anywhere near kind of extra taxes and breaching caps. K? So what I would like to do is just when I was talking about your investments before, overall returns are looking good. There is one investment option that's kind of concerning me a little bit at the moment, the Okay. Bennelong option, which has dropped a bit. So what I would like to do is just kind of switch that one out and update that one option at least, and I'll factor in the salary sacrifice so I can kind of show you here's your current situation. With your current Okay. contributions and investments, Yes. and this is what it might look like if you put a bit extra in and update your portfolio. K? So Okay. I will do the research of that in the background, and then Yep. the team will kind of as soon as I get back from I'm going on paternity leave in a couple of weeks for my third job.","start_word":3247,"end_word":3468,"sentiment":"neutral","sentiment_score":0.040034215729515835},{"text":"Thank you. So I've got two boys and a girl on the way, and that's really exciting. They're really keen to have a sister, and we're keen to have a daughter. And so for everybody, I'm pretty much just getting my team to build and research everything. So as soon as I get back, they can book you in. We can go through the updated plan together. Sounds good.","start_word":3469,"end_word":3537,"sentiment":"positive","sentiment_score":0.540555477142334},{"text":"Alright. I do have one question for you. This is not you can't answer this question wrong. It's really just about your gut feeling here. With the investments, I can pick anything across Hub because they've got the most investment options in the country. And Alright. to whittle that debt, they've got 1,300, so I need to kind of shortlist that a little bit. Yes. Okay. We can choose between low fee passive investments, which have the lowest fees, but they just follow the market up and down, or Mhmm. higher fee active investments where they try and pick and choose stocks and properties and things to try and get a higher return. Do you have a preference between the two? Where are you leaning? Well, I don't like being high risk. So whichever is gonna be the lower of the risk out of those. Perfect. So what I would say there is that most of the time, the passive side is a bit more traditional, a little bit more low risk because Yes. you eliminate a fund manager making a misstep in buying the wrong things. They're just buying all the big companies, and it's a bit more bit more middle of the road for that option.","start_word":3538,"end_word":3745,"sentiment":"neutral","sentiment_score":-0.01056776661425829},{"text":"Sounds good.","start_word":3746,"end_word":3747,"sentiment":"positive","sentiment_score":0.35118567943573},{"text":"Cool. So I'll put that together. I have a few options in mind that I'll compare for you, and I can put that in there with the extra contributions. Okay. Now while Thank I've got you here, we updated the beneficiaries on your let me just double check you. here. Yeah. I And did I see think I it before. think I I'm pretty sure it was email postage. Yes. That's right. So I'm having a look through the file notes, and we have Clearview has updated no. Wait.","start_word":3748,"end_word":3836,"sentiment":"neutral","sentiment_score":0.08982287091987856},{"text":"We've got the Clearview has paid premiums. That's all good.","start_word":3837,"end_word":3846,"sentiment":"positive","sentiment_score":0.573411226272583},{"text":"Okay. So what I can currently see listed is Christian and Zachariah on hub. That's a 50% split between spouse and child. Oh, no. It was I filled out the form and she's for Emmanuel. That's it. Okay. So is it supposed to be I'm gonna double check because it's still Yes. processing. $60.20 Is it 5 supposed 20 to be 5. the oh, can you say that one more time for me? 602525. That's the 1502525? Alright. And I'll make sure so that's what you wanted on both the super and the life insurance. Is that correct? Oh, okay. Yes. Yeah. Well, if my one child is already there, a 100%. Yep. And, I again, wanna be you sure. can split it Yeah. because life insurance can go to anybody. You can go to charity. You can go to partners and children. Yeah. Super. Okay. It's like, who's your spouse? Who's your dependents? Yeah. Okay. Yeah. K. So I'll go spouse, child, child. I'll make sure that's across both. Now with your insurance policy, I Yeah. need I need to show you this one. Can you still see the attachments on the email that I sent you? So on the bottom, there is a ClearView certificate of currency. It's a lovely pinky purple certificate. Specific. Yep. Yep. Yep. So premiums are jumping up every single year, and they jumped up again in March.","start_word":3847,"end_word":4080,"sentiment":"neutral","sentiment_score":0.073039211332798},{"text":"And we're clearing $7,000 a year coming out of the super. So I'm glad that the super has grown well even with all the fees coming out, but it's it's one of those things where next year, that'll probably be 9,000.","start_word":4081,"end_word":4121,"sentiment":"positive","sentiment_score":0.3636639714241028},{"text":"And the year after that, it could be 11,000. Yes. And So I think premiums high because they were it had to do with so we went it took so long to go from A and P to with with regards to '24 and to get the insurance that I wanted Yep. because a because I I was extremely honest and said that I see a doctor for a fatty liver. Uh-huh. I see. Yeah. But I'm on no medication. I take Panadol for headache. I'm on no medication at all. Yep. And they said, okay. So when all this changes so the doctor has actually changed me from, like, a six month visit to an annual visit Okay. because I wasn't that worried. So they said when things change, then I will have to my premium will probably change, but that's the reason I'm on such a high premium. Whereas, like, I mean, I'm not even like, I'm just an old person. I was just extremely honest about Yeah. what I was doing, but, like, I if I just said no, like, you wouldn't even know the difference. You know what I'm saying? But I was just being honest Yeah. because I didn't want anything to mess anything up if anything was to happen to me. But, basically, like so I saw him in November, and I don't have to see him till November with beforehand, it was every six months. Gotcha. K. Yeah. So I'm I probably noting need this to update down. that, but I don't know who who I'm updating that with. Can I have a look into this for you? Mhmm. That'd be Because great. what I would like to do is if there's any loadings on the policy, which is an increase due to the the Yep. fatty liver kind of thing, I can either get that review with Clearview or potentially look at another provider and see who's gonna get you the best deal. Yep. Yep. Outside of that, I think you were still listed as possibly having smokers' rates as well, Yeah. But I don't think that was as visible, to be honest. which Because, like, it's it's one of those ones where it's so anytime you get that tag, they double the price, and that's the bigger hit as well. And it could be a combination of multiple factors here. Oh, I'm sure. But I think it is it was basically the fact that I was seeing specialist. I think that was Yeah.","start_word":4122,"end_word":4543,"sentiment":"neutral","sentiment_score":-0.07929252615966503},{"text":"And the space out to twelve months is really good.","start_word":4544,"end_word":4553,"sentiment":"positive","sentiment_score":0.6247177720069885},{"text":"And Mhmm.","start_word":4554,"end_word":4555,"sentiment":"neutral","sentiment_score":0.17605094611644745},{"text":"if that's all it is kinda thing, I'm happy to go do a few anonymous phone calls to Clearview and other insurers to see if I can see That'll a better deal for you. be great.","start_word":4556,"end_word":4591,"sentiment":"positive","sentiment_score":0.3641051650047302},{"text":"Because I also like because I see an endocrinologist in my thyroid, which is normal. It's just it's normal, and I'm on no medication. We're basically waiting for the thyroid to basically give up as far as oh, how can I say? So it's like so at the moment, the thyroid has got antibodies, Uh-huh. and so I see him because he he thinks that my thyroid is eventually gonna stop, like, having normal function, which means you have to go on medication. But right now, like, I've been been seeing seeing it for two years, and nothing has changed. Yep. But that was the other thing too. But, like, it's not Okay. like I've got cancer. No. No. You know? Way the way the way I felt like I was treated was like, I'm gonna die tomorrow, so they don't wanna risk And, me. like, this is You such know? a risk. She's about to Oh, I'm explode. so I'm so just people that are, like, 10 times worse. Like, I take painkillers. I take antihistamines if you get an allergic, you know, anything like sneeze, the high fever, whatever. But I was done I'm not even I keep going, keep Yeah. going, Everybody and then eventually takes I said an to antihistamine them, I'm and a Panadol. not even on medication for the condition that you have me down. Like so, like, theoretically, I don't even have these conditions because I'm just keeping an eye on it. I'm doing the right thing. Yep. Which I'm is keeping what an eye what's what they want to do is, like, go to the doctors, get things checked, be on preventative, and it. not Exactly. waiting until you've got the main issue. Yes. But it's like, oh my god. She's dying. I can cut and short her. So, look, I can never promise any outcomes with it, Halima, but I am Of course.","start_word":4592,"end_word":4913,"sentiment":"neutral","sentiment_score":-0.07253883758802777},{"text":"more than happy to go to bat and Yes.","start_word":4914,"end_word":4922,"sentiment":"positive","sentiment_score":0.4414754807949066},{"text":"hunt around. And if I can improve things, Yes.","start_word":4923,"end_word":4931,"sentiment":"neutral","sentiment_score":0.2484639585018158},{"text":"I will. Yes. That'll be fabulous. Thank you.","start_word":4932,"end_word":4939,"sentiment":"positive","sentiment_score":0.5973381996154785},{"text":"The cover amount, 512,000, which obviously pays the majority of the mortgage up, but your super kind of finishes off the last little bit, Yep. is that Yep. okay? Is that too little? Is that too much? No. I think I did 500. So 512 is a hard number. But yeah. It is because they do this indexation where they don't just increase your price. They slightly increase your cover amount, which Okay. is it's actually a cool way to get slightly more cover every year with the cost of living for cheaper, but it does impact things as well. So it was probably around figure to start with, and they bumped it up slightly. Okay. So I'll do the cover amounts as they are, and I'll see if I can get any reviews on Clearview or a different provider. Am I able to tell them that you're twelve months nicotine free by any chance? Well, most of the time, I am twelve months free because I just do it probably every twelve months because it's a party. Yep. But I, like, I don't have to. Like, I honestly don't have to. Because one of the things is, like, that that it on in and of itself, that'll be $3,000 safe. So we can Yep. do a declaration of nonsmoker's rates to Cleave you if you like. If, Yep. you know, Christmas party didn't happen last year, because Yes. I know you put the policy in force in 2025, and and if that's part of the the health management, that's possible. And also with the the next provider as well. Just be careful, though, if there's anything where your doctor's like, yep. Look. You're you're still a smoker, yada yada yada. Yep. They it all links together. All the data links together. Yeah. Well, I'll be curious to see what this meant about tonight. Yeah. So do you want me to try and find some quotes for a nonsmoker, or should I leave that there for just this last one more year? Maybe for this one year, maybe just later, and then definitely by the next the the time the policy is due again next time, I will guess it'll definitely be a month. Yep. K. So let's say there's a thirty five to 40% chance that I can get some loadings reviewed or another provider Mhmm. for the current health. Best case scenario is we get the smokers' rates ticked off next year as well. So I'm gonna kind of split it up a little bit where there's Okay. two attempts to try and get your premiums down.","start_word":4940,"end_word":5378,"sentiment":"neutral","sentiment_score":0.050445319219133845},{"text":"Thank Sound good?","start_word":5379,"end_word":5381,"sentiment":"positive","sentiment_score":0.37194979190826416},{"text":"you.","start_word":5382,"end_word":5382,"sentiment":"neutral","sentiment_score":0.27802467346191406},{"text":"Sounds good.","start_word":5383,"end_word":5384,"sentiment":"positive","sentiment_score":0.3343457877635956},{"text":"Alrighty. Now, Halima, I have gone through quite a few things so far in terms of the super, the Mhmm. portfolio update, the contributions, and the insurance premiums. Do you have any questions for me so No. But I'm I'm good.","start_word":5385,"end_word":5425,"sentiment":"neutral","sentiment_score":0.06977151334285736},{"text":"I'm glad I'm glad we spoke about far?","start_word":5426,"end_word":5433,"sentiment":"positive","sentiment_score":0.378112256526947},{"text":"what Perfect. we spoke. Yeah. So it's probably everything that I need. Need a few more. Yep. The last question I had was in terms of the estate planning, I know the beneficiaries are all getting fixed up, but I had a note I was trying to cross reference my data in the new system. It says that you've got a power of attorney in place, but maybe not a will. I don't have a will. No. K. Do you actually have a power of attorney in place? So if you're in hospital and you can't act, someone's gonna look after the banks and talk to the doctors. Do you have that in place? I well, it would be my husband's. But I, like, I don't know if it I've actually got something, like, actually, like, on paper. Like, is that what you mean? It's kinda like, yeah, when you put a will in place and you get it all signed off with a JP and a lawyer and all that No. kind I I'm definitely interested in a will because I was thinking I've been thinking about it. of And I'm definitely interested in a will. It's just a matter of I don't know. I guess just getting help with it. Can I give you a bit of helpful direction here? Yes. There's three main options that like, obviously, there's solicitors everywhere, in every city, in every town, and you can go talk to a lawyer. How long's a piece of string? They can sort everything out. That's fair enough. Yeah. The second option is the public trustee of every state. So for you, New South Wales also offers appointments to do wills and powers of attorney as well. Yeah. I think I tried to get an appointment with I think I did. You know? I think I tried to get a an appointment with them. They've got a very long wait list, I think. But I need to I'm gonna try and find the email, and I'll try and touch base with them again. Yeah. I apologize. That's probably my fault because I've sent every single person in New South Wales to them to look for a will. No. Not at all. Not at all. Cool. The only other option too that some people do is for simple circumstances where it's just like a a home and some savings and a car is you Yep. can do government approved will kits and power of Yep. attorney kits from the post office that are, like, $25 each Yeah. Well, as it's long not like as you yeah. get them I don't all have certified. I don't yeah. I don't have a lot of stuff, but, yeah, I just want what I've been told because I don't have a word.","start_word":5434,"end_word":5903,"sentiment":"neutral","sentiment_score":-0.00016705381901974375},{"text":"It's quite bad.","start_word":5904,"end_word":5906,"sentiment":"negative","sentiment_score":-0.4205560088157654},{"text":"Yeah. So three Yeah. options there for you. I'll put a note in the file, and when I do that updated device that that's the suggestion. And, hopefully, Okay. the the wait list isn't too long there. Yeah. Yeah. So it's the public trustee. So if you like I'm googling it now. I go New South Wales public trustee, and it comes up with New South Wales government website for the trustee and guardian. Okay. So New South Wales public no. No. Trust me. New South Yeah. Wales Public Trust trustee. me.","start_word":5907,"end_word":5998,"sentiment":"neutral","sentiment_score":0.018176879733800888},{"text":"Just stop It's the the the horrible group that everyone hates when they die without a will, and it goes through the public government system.","start_word":5999,"end_word":6023,"sentiment":"negative","sentiment_score":-0.34957969188690186},{"text":"But then if you actually go to them prior, they can actually set the wills up. So it's like, I like them for that.","start_word":6024,"end_word":6047,"sentiment":"neutral","sentiment_score":-0.2072693258523941},{"text":"It's painful on the other side of Yeah.","start_word":6048,"end_word":6055,"sentiment":"negative","sentiment_score":-0.39898812770843506},{"text":"things, No. No. That's the norm. Just but I I see a lot of people being they're admitted, sir. So it's, like, good definitely something for that's on my agenda. that.","start_word":6056,"end_word":6086,"sentiment":"neutral","sentiment_score":-0.05672537162899971},{"text":"Perfect. Perfect.","start_word":6087,"end_word":6088,"sentiment":"positive","sentiment_score":0.5241620540618896},{"text":"Any questions on that for me before I let you go? Yep.","start_word":6089,"end_word":6100,"sentiment":"neutral","sentiment_score":0.20429983735084536},{"text":"I think we're good. Cool.","start_word":6101,"end_word":6105,"sentiment":"positive","sentiment_score":0.42903608083724976},{"text":"In that document that I've sent you, so we've Yep. included, like, financial services guide updated with our licensing details. And Mhmm. inside the signable link button on the email is an updated service agreement So so is that in the bottom or is that at the top where it says sign documents? up the top with the signed documents. So what happens with our new system is if you hit Mhmm. that, it'll open up into the Odoo it's like a DocuSign, and it'll Yep. allow you to scroll through the document to look at it first. Yep. And then if you're happy with the fees, you know, the usual, like, 1.65% split between the monthly payments and the 15% rebate, we always estimate our fee with a bit of growth on top of it because your super fluctuates.","start_word":6106,"end_word":6245,"sentiment":"neutral","sentiment_score":0.12277839609554836},{"text":"Yes. When you're happy with that, it'll click on you can click on the purple buttons, and it'll pull you to the signature spot and the date spot, and it'll stamp it on there with your name.","start_word":6246,"end_word":6282,"sentiment":"positive","sentiment_score":0.4097709655761719},{"text":"Okay. Oh, Yes, yep. please. You got Now yep. if you prefer, you can actually click on that signature and draw it so it matches your license, or if you're happy with it just to be stamped by the digital signature. Is that alright to be sent? I mean, Yeah. That's fine for us. Sometimes with some providers, like some insurers, they require it a bit more drawn. But for Oakview documents, we're okay for it to link in with our system. okay. Okay. So I can if I want to, I can draw. Yes. Yep. It's definitely better, but it can be a bit painful to try and draw on a phone and things like that. Perfect. So do I do sign all or just sign? Mhmm. So sign all will stamp it across the whole thing. So if you wanna just keep going, like, next, next, next, it'll pull you down. Whatever you're Okay. more comfortable doing. Okay. So take me to the next one. Oh, there's nothing else. Yep. And then once On it's all signed, the bottom will have, like, a validate button that next. will Yep. send it to us, and it'll give you a pop up to download a signed copy for your records. Yep.","start_word":6283,"end_word":6493,"sentiment":"neutral","sentiment_score":0.12954631447792053},{"text":"If you have any one, we can provide you a copy anytime, but it just gives you that prompt to download it straight away.","start_word":6494,"end_word":6517,"sentiment":"positive","sentiment_score":0.3478815257549286},{"text":"Okay.","start_word":6518,"end_word":6518,"sentiment":"neutral","sentiment_score":0.25959837436676025},{"text":"So that's done. Perfect.","start_word":6519,"end_word":6522,"sentiment":"positive","sentiment_score":0.42503154277801514},{"text":"Now, Aleema, do you have any questions for me at the moment from the annual review? No. I think I've gone through the questions that I needed to go through. Because I was just worried, like, the only thing worse, basically, you know, with everything going on in the world and but you're you're already fixing that with changing one of the investments anyway. Yeah. And it's actually really like, I'm very impressed because a lot of people have been losing a lot of money in super lately, really negative returns. For you still to be up 10% after fees, that's really good. I'll optimize things and give it a bit of an engine tune up as well to keep it going. Oh, look. The the way the world goes, you know what it's like every couple of years, something blows up. But we play the law of long term averages. And like I said, you've got eleven years. I need to make a Yep. couple of good decisions with you to average out over that decade to, a, grow the super, and then, b, protect it once it's built. Okay. Okay? Are you okay for the team to kind of reach out over the next couple of weeks if they need any more information for the insurance? Yes. Research. Of course. No. No. Of course. Yes. That'll be great. Perfect. But I wouldn't mind Because putting on top of that. that will be they're gonna be going full throttle into every option under the sun there. They may need to clarify Yeah. a couple of things while I'm away, and No. Of then course. we'll get That you is booked. fine. Yeah. I mean, at least I still got the insurance because the last time I didn't have any of the insurance. Yeah. So at least Because it's I can't enforced. yeah. So at least it's insurance and yeah.","start_word":6523,"end_word":6842,"sentiment":"neutral","sentiment_score":-0.011010230606188998},{"text":"If they can get me a better premium, it'll be amazing.","start_word":6843,"end_word":6853,"sentiment":"positive","sentiment_score":0.36659300327301025},{"text":"And the good thing too is if we do do any alterations with Clearview or switch to another provider, they do do pro rata refunds as well. So if it's Oh, okay. only a a month into the year and you've paid for a year, they'll give you eleven months back or whatever it is. Correct. Yep. Alrighty.","start_word":6854,"end_word":6911,"sentiment":"neutral","sentiment_score":0.16359592974185944},{"text":"Well, thank you so much for your time today. I'm glad we we caught each other and and got it sorted, and I've got a few ideas to to improve things. So Yep. thank you. Thank you.","start_word":6912,"end_word":6948,"sentiment":"positive","sentiment_score":0.6954221725463867},{"text":"No.","start_word":6949,"end_word":6949,"sentiment":"neutral","sentiment_score":0.11117997765541077},{"text":"Thank you so much. Thank you so much for the call. I look forward to hearing back about my premium. Perfect. Look. It's been a pleasure. I'll get the team to send out the usual Yep.","start_word":6950,"end_word":6985,"sentiment":"positive","sentiment_score":0.6284353733062744},{"text":"feedback text message if you're okay to give us a bit of feedback and a review. But outside of that, as soon as I'm back in the office, you'll get a Yep. call to either go through the research, update, or book in for me straightaway to go through the plan.","start_word":6986,"end_word":7036,"sentiment":"neutral","sentiment_score":0.24955806136131287},{"text":"Okay. Sounds good. Alrighty, Halima. Have a fantastic week, and I look forward to talking to you again soon. Oh, I absolutely will. Thank you. Bye.","start_word":7037,"end_word":7062,"sentiment":"positive","sentiment_score":0.7056764960289001}],"average":{"sentiment":"neutral","sentiment_score":0.05674749780371486}}}}