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It's but it's hot up there at the moment. How's your pool going for you? I bet it is. It has been. I worked from home yesterday because my son was unwell, and, yeah, it just was a scorcher. And, I mean, I'm down here on the Gold Coast, so you're more up and inland, so you'd feel it a lot more than I would. Oh, wow. Oh, That is a lot, isn't it? Oh my goodness. Wow. No. Definitely not. Well, I'll try not to take up too much of your time, but just wanna run through things and give you a bit of an update there. And I've had a bit of a look, and we can definitely look at, you know, maybe updating the advice for you, which should be fantastic. Before I jump into the call completely, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. Lovely. And I'm discussing your personal information. So I'd like to be security conscious. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Beautiful. Thank you so much for that. Now I had a bit of a look back at your super, so I will send you these documents afterwards. This is for you as a different system to DocuSign. I know the Internet's a bit patchy where you are as well. So I'll just run through these for you, and then I'll send them through to you after the call. That way, you can have a good really good look at everything and review anything you've got there. Okay? Now we did do that nice big withdrawal in around about sort of the November 20 there. So having a look at your super, it has sort of seen good growth since then. Looking at your super, you've received about 2.76% as an internal rate of return. That's from the twenty second of the eleventh until now. So oh, sorry. That's from the twenty second of the eleventh until sort of January, the January there. So your portfolio has shown some good recovery, which is great. When we look at a 2% return for the amount of money you have in super, it actually shows your earnings as about 20,163. So it made that 20,000 back, which is really good to see. Okay? So you you are on track to making that money back, which is good. One of the things we definitely did talk about last time we spoke was that you wanted to look at maybe having some more commodities, maybe some silver and things in your portfolio. Is that still where you're looking heading? Yep. Beautiful. I have had a bit of looking around at the options out there. We can definitely look at adding some of those in. So what I might even look at doing is updating the advice for you. I do wanna do a bit of a refresh on the pension. So that's basically encompasses moving the pension back into super and then moving some more money back into pension. That way, we're keeping as much as we can sheltered in that super side of things, but we also need to keep enough money sitting in your pension account to give you pension payments as well. Okay? So I'll I'll do a bit of math calculating with the Centrelink side of things, making sure that we're not exceeding the cap so you're not having to, you know, lose out on any of your Centrelink payments there. Having and I'll I'll look at maybe adding a bit more in the way of the growth investments into the super where you probably can take a little bit more risk and keeping your pension a little bit more safer with those low risk investments, more cash producing. Does that sound like something you'd be open to? Yeah. Yeah. That's okay. That's absolutely not a problem. And I'll look at those commodities. Is there anything particular aside from the gold and the silver that might pick your interest with that you'd like to see in soup or anything else that's been on your mind? Yep. Yep. Yep. Perfect. No problem at all. I've done a little bit of research already, but I'll go back and reencompass some research and have a really good look. This is a lot more in-depth, so it will take me a couple of weeks to complete the research as a whole to make sure everything is working correctly for you. But I'll definitely come back and show you the advice document. Again, any advice we provide, Julie, is us just giving you the recommendations. You then get to take them away, read them over, decide whether you wanna take all of them, sell them, or none of them at all. It's completely up to you, and we'll just show you what that looks like. I'll outline the advantages, disadvantages, and the risks involved so you can make an informed decision. Okay? Yeah. Yeah. Absolutely. So when I have a really good look at everything in detail, having a look now your super has definitely made a lot of that money back. We've made that 20,000 back from when you took the money took the funds out. You have your physical gold is doing exceptionally well. So I have a look here at generally around about the last sort of twelve months there. Your physical gold has done exceptionally well in both those portfolios there. In your super, it is up sorry. My computer's a little bit slow. That is the wrong one. It is up over 51.44%, so it's doing very, very well. Physical Gold has had a bit of a hit in the last couple of weeks, but it has definitely sort of shown some recovery points, but you're still up over the year. You've also got your infrastructure fund, which is more of an income fund there, and that's up over 22.51%. Your bank hybrids, so these are, as I mentioned, more of a defensive investment. I would like to maybe look at swapping your bank hybrids out. They have given you a positive return. However, moving forward, bank hybrids, these sorts of investments are being phased out by the government, so we will have to move you out eventually. So as part of the advice, I might look at moving that out and putting you in something like bonds, and I'll find something appropriate. Yeah. Perfect. Excellent. Yeah. There is yeah. I did have a bit of a look. Now Hub twenty four at such allows you to put no more than 20% in for any individual in for any individual account. And having a look at your super account at the moment, physical gold, you're at 26.1%. So you are pretty heavily overweighted in the super. We can definitely look to retain that for you, but they won't let us put any more physical gold in there. But we can look at other things. We can look at silver. We can look at other, investments that encompass maybe a bit of underlying gold for you as well. Okay. Yeah. Yeah. Yeah. Yeah. So I had a really good look. Between your between your Centrelink that you're getting for the disability pension and the amount that you are getting out of hub twenty four, you're actually making on a a weekly basis, you're getting about $1,085 and 94. So I know you wanted to sort of have that $1,000 on a week income side of things. Did you want me to look at maybe reducing that back a bit? You're only getting about $85.94 more than what you sort of wanted, or do you feel with the cost of living increasing that extra money is needed and appropriate? Yep. Yep. Yep. Yes. Yeah. Yep. Oh, good. Mhmm. Okay. When is he sort of planning on doing that? Okay. Because under because you are currently on Centrelink, you can take the funds out of Super. Given your age, you've got access to it. It's fine. But under Centrelink rules, they have rules around gifting. So, essentially, under their rules, you can only gift $10,000 on a yearly basis and no more than 30,000 over five years. So in order to give him like, if they come back and ask you to update your circumstances, they say, have you gifted this money? They'll see the money come out. Like, if they ask you the bank statements, they can see where the money is being transferred to and from, and that kinda gives them a bit of an idea. But if you do have to disclose the gifting side of things and you say that you've given him $20,000 as a loan, even though he's gonna repay that, they will essentially utilize the gifting rules and allow you to have gifted 10,000. And the extra 10,000 you've gifted, they use is what's called deprived asset, which means they assess you as having that money, that extra $10,000 for the next five years. So it can have an effect on your pension payments there. In saying that, I could we can look at doing that. Otherwise, as part of the advice structure, I could always look at maybe drawing 10,000 now and maybe 10,000 if he's comfortable with maybe doing that over two financial years, we do it around June or July. That way, you can do 10,000 in June, 10,000 on the July 1. You've gifted him that money, and nothing is considered as a private asset. It's not even included by Centrelink rules. Is that something that might be worth a conversation with him about? Yeah. Yeah. Yeah. If not, look, even it's one thing if you still won't take the money, you absolutely can. It's just that risk around, you know, the the deprived investment the deprived asset side of things. We don't want them to, you know, be noting or have anything noted down that's gonna give you because you are 62, obviously, you still have a bit of time before you go on to the age pension side of things, but they do just have very strict rules around that. And I wouldn't want them to, you know, have any wrong assessments or be adding any deprived assets because they're assessing you for having money you don't actually have, which can be a negative down the track. Yeah. Yeah. The the other option is you could always withdraw the money, the 20,000, saying that you wanna withdraw the funds. You take it out and hand it to him and give it to him as a check or as a cash or something like that, and you just tell them you're drawing it out for some sort of purchase or large bill that you have, that is another way of getting around it. It's just that, yeah, Being very careful with what I say at the same time not to get you any trouble. Yeah. Yep. Mhmm. No. They'll see it as a withdrawal. Yeah. And they'll just come back. And if they have any questions, they'll say, hey. What was this for? I mean, you've just put in a large pool, and you've just put in all sorts of bits and pieces, and you got home maintenance to consider. So there is obviously that aspect depending on what you, at the time, feel you could, you know, justify. So and that's only if they update your circumstances. They may not ask you to update your circumstances, so it might not be an issue. Yeah. Yeah. Yeah. Yeah. Absolutely. Yep. Yep. Abs and that's only if they come back and ask for anything. You don't have to ring them specifically and say, hey. I've lent my son money or anything. No. Correct. Yeah. Yep. Yeah. Yeah. It's just it makes a difference. Yeah. Absolutely. Yeah. Yep. Yep. Yeah. No. That's okay. I can have a look at that as part of the advice if you like. So with the withdraw, I'll just say that you need to withdraw 20,000 for, say, home maintenance. Yep. Nope. Yep. That's okay. And as maintenance, it's absolutely fine. Not a problem at all. So I can account for the extra the 20,000 withdrawal and then look at rejigging the pro the portfolio for you, and also just look at, you know, the investments within the portfolio, see how they're aligned, maybe add some additional into your super and maybe reduce back some of the risk in your pension because that's where the money is coming from. We wanna take less risk in the account that you're drawing money out and make sure income is being produced where you're super, you can afford to take a little bit more risk maybe in. Does that sound okay? Yep. Beautiful. Yep. Yep. Yep. Yep. That's okay. I can include that in the advice. It's not a problem at all. Now do you know with the advice, I do have a little bit of backlog at the moment with with all the advice I am providing for my retiree clients, which is I love. But it would take me about four weeks to complete the research. Is that gonna be okay, or do you want this a little bit sooner and I can prioritize it for you a bit more? What would you how what's the time frame do you think you'd be comfortable with for this? Yep. That's okay. Yep. That's okay. Yep. Wow. Yeah. Yep. No. That's okay. I can I can push this research through in the next two weeks? It's not a problem at all. If I would be able to, I'd be able to present the advice to you the March. Is that gonna be okay? That is presenting in three weeks. Is that alright? Yep. Beautiful. We just make that as a priority, and we get that done as quickly as possible from wherever I take it from. It won't take long to withdraw the funds out, and we can allocate funds being drawn out of a specific investment if we need to. It's not a problem. Yeah. Yeah. Well, what we'll do is with a full refresh is we'll essentially move everything in pension back to super. We'll withdraw the funds out of the one account to make it easier, and then we'll move some money back into pension. It's generally a pretty quick process to refresh. They just move everything back into super and then just basically transfer things back into pension with a new amount. We can still be withdrawing funds in the meantime. It's not a problem. But in the process of doing that, we'll also change your investments around. So I'll double check how much we need to keep in cash, which is a minimum cash amount, but also making sure that it's within your risk profile. And I might invest some of that money. We don't wanna leave too much Citi in cash because the cash account essentially costs you money. So you don't get much interest out of that at all. I'd even rather have it in that triple a cash account because it gets you better income and better interest than sitting in the cash account itself. So we might just leave the minimum in cash. Yeah. Yep. Beautiful. No. We'll keep some gold, and I'll look at what other commodities we can add in there for you. Okay? Yep. Yeah. Yeah. Yeah. It there's a pretty massive dip. And Silver went through the same thing. It had seen really great massive, you know, ten, fifteen year highs. And then in one to two days, it dropped 18%, but it's still at a huge high. So even with the dip, it's still at higher than where it was last year. So it's still still good to have. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Sorry. Yeah. That's a lot. Yeah. Yeah. Yeah. Yeah. Yep. Yep. Yep. Yeah. No. Absolutely. No. Yeah. Yeah. Yep. Yep. Absolutely. No. Not a problem at all. I'll get that sorted. I'll prioritize that research for you, and we'll get it done. I'll book you in to have it presented. I know normally mornings suit better for you. Did you it doesn't matter? That's okay. Did you want to so that when so that week, the March 2 onwards, I don't have any bookings in my calendar that week. Did you wanna pick a day that would suit you better that week so far? Ready? Yep. That's okay. Not not a problem at all. What if we book it in for that Monday the second? That way we're not holding off too much longer after that. And I can put it in for, say, 02:30 Queensland time the same as today. Is that okay? Yep. Perfect. I'll pop it in there, and we will have the advice ready to go then for you. Okay. And I'll add a text message reminder to make it easier on you. Okay? Easy. Yeah. Of course. Yeah. No. No. Understandable. Understandable. Yeah. No. That's okay. Yeah. Yeah. No. Not a problem at all. All good. Now we do have you in that sort of defensive risk profile environment where you sort of have more of those lower risk investments. Obviously, we wanna keep you in that sort of environment there when I'm looking at the investment styles. But just a couple of questions just to kind of regage your risk profile just to make sure we do have you invested correctly and that profile still fits you. If you say saw your super fall by 20% over the next six months, how do you think you might react? Do you think you'd be putting more money in? It might be a buying opportunity. Are you likely to call me and say what's going on, or do you feel like you'd be wanting to cement some losses and move some money around to something safer? Yep. Yeah. Yep. No. Yeah. Yep. That's okay. No. That's okay. When you were looking at your portfolios over the longer term, what sort of average rate of return would you to receive from on a yearly basis? Do you think you're wanting the highest return you can get each year, maybe 8% and above? Are you comfortable with, say, six to 8%, four to 6%, or just two to 4%? What are you sorta aiming for on a yearly basis, do you think? Yep. Yep. Yeah. Perfect. Perfect. And you sorta went through when you saw that bit of a drop and you know the markets go up and down. You weren't overly concerned with that big drop in the gold over the last few months. But if we did see, like, if Trump made a tweet next year or this year and the and the whole market took a little bit of a dip, do you think that sort of scenario might make you feel worried about your investments, not concerned at all, you know it'll come back, or a little bit anxious? How do you think you might feel in that scenario? Yep. Yep. Yep. Beautiful. I like that. Yeah. Absolutely. No. Perfect. Well, thank you so much for that. Having a look at things, you are sort of still in that defensive environment there. I probably wouldn't wanna bring you out of that because you are in that retirement phase. You still you need your super to be growing, but you also needed to produce income for you moving forward. So given your time horizon and your risk tolerance there, I would probably keep you in that same sort of risk category, but we can look at maybe adjusting your super and pension. So as I said before, in the accumulation, the super side, we have a little bit more risk there trying to attain a bit more growth, but then we have a little bit less risk in the pension, more income producing so you can get those income payments drawn down, and then making sure between the two accounts overarching that you're within that risk profile. Does that sound okay to you if I play around with that and try to get it working better for you? Perfect. Excellent. And, look, honestly, your pension account has done quite well. All the investments in there are up. And, overall, when I look at it over the last twelve months there, your pension account itself has made about 7%. So it's still producing enough income that whilst we're drawing down more than what it is making, that income that it's producing is offsetting some of your drawdown. So that is helping to to make it last a bit longer. Okay? Yep. It is doing really well. Yeah. But we'll definitely look at maybe moving that that hybrid investment, and I'll just look at what else we can do to give you a bit more growth growth in the super side for you. Okay? Perfect. Excellent. I just wanted to also run over those assets just to see if any values have changed while I'm updating the advice for you. Your main primary residence there, I know house values has still been going up even though, you know, everything else is going up too. Have you looked at what the value might be or what estimated value you might have on your house at the moment? No. Yeah. Okay. Perfect. Excellent. Okay. That is excellent. And mortgage wise, we had just under 200,000. We had it noted last year about a 199,000 owing there. Is there a bit less on that now, or is that kind of gone up with the changes on the fixed rate dropping off? Yeah. Yep. Perfect. Excellent. The the m u x, we had a value of that of about 90,000 because you'd not sort of long sorry. Purchased it. What sort of value would you put on that now, do you think? Yep. Okay. Yeah. Wow. That's fantastic. Excellent. And home and contents insurance, the value of your contents there was about 80,000. Would you alter that, or you think it's still the same? Yep. Yep. That's okay. Not an issue at all. Since you came on board with us, have you spoken to the solicitor and updated your will at all or power of attorneys or anything like that? Yep. Beautiful. All updated. Excellent. And I'm just double checking that we have everything on our end done with beneficiaries as well. So we have down here a beneficiary on super. We have it binding non lapsing to Dylan for a 100%. And I'll just double check this one as well, making sure that everything is correct. And beneficiary for the pension account, again, is a 100% to Dylan. So you're happy with how those are structured? Yep. Beautiful. Excellent. Is there anything else that you might have purchased that might you might wanna note down as an asset for value? Or No. No. It's okay. Yep. Yep. Yep. Yep. No. That's okay. Not a problem. And do you have any other goals that you're wanting to achieve over the next one to two to three to five years at all, or is it just sort of helping out Dylan at the moment and and enjoying your life? Yeah. Yep. Yep. Yeah. Absolutely. Yeah. Yeah. Abs and you like to log in and have a look and see where the money's invested in all the individual investments there, don't you? Yeah. Perfect. Good. Oh, that's really good. See, I love this sort of thing when people like to look at their super and see it moving and growing and understand it. It's it's it's good. Fantastic. Yeah. Beautiful. Yeah. Oh, no. Absolutely. No. Honestly, look, you're doing really well so far. I just wanna make sure it continues to work for you. And it's important to note that we are updating investments on a regular basis too because what works now or what was working last year may not be working in the future. And it's good to try and get out that those bank hybrids now whilst we can before the government forces us to down the track. So we'll find something better, and I'll make sure whatever's working gonna limit CGT consequences inside Super. And, yeah, I'll show you. We'll organize that withdrawal for you as well. Okay? Lovely. Thank you so much for your time. It's always a pleasure, Julie. I love chatting to you. Thank you. I'll get stuck into the research for you. I've got you booked in there for the March 2. Sorry to go through the advice document. And then if there's anything that comes up in the meantime, you know where I am, let me know, and I can always adjust things around. Okay? Beautiful. Thank you so much for your time. I'll let you go. You have a good afternoon. Stay cool. Thanks, Julie. See you later. 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Julie. How are you today? I'm very well. Thank you. I had you booked in to go see your annual review.\n\nIs now still a good time there for you? Yep. Fantastic. It's but it's hot up there at the moment. How's your pool going for you?\n\nI bet it is. It has been. I worked from home yesterday because my son was unwell, and, yeah, it just was a scorcher. And, I mean, I'm down here on the Gold Coast, so you're more up and inland, so you'd feel it a lot more than I would. Oh, wow.\n\nOh, That is a lot, isn't it? Oh my goodness. Wow. No. Definitely not.\n\nWell, I'll try not to take up too much of your time, but just wanna run through things and give you a bit of an update there. And I've had a bit of a look, and we can definitely look at, you know, maybe updating the advice for you, which should be fantastic. Before I jump into the call completely, I do have to let you know we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful.\n\nLovely. And I'm discussing your personal information. So I'd like to be security conscious. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep.\n\nBeautiful. Thank you so much for that. Now I had a bit of a look back at your super, so I will send you these documents afterwards. This is for you as a different system to DocuSign. I know the Internet's a bit patchy where you are as well.\n\nSo I'll just run through these for you, and then I'll send them through to you after the call. That way, you can have a good really good look at everything and review anything you've got there. Okay? Now we did do that nice big withdrawal in around about sort of the November 20 there. So having a look at your super, it has sort of seen good growth since then.\n\nLooking at your super, you've received about 2.76% as an internal rate of return. That's from the twenty second of the eleventh until now. So oh, sorry. That's from the twenty second of the eleventh until sort of January, the January there. So your portfolio has shown some good recovery, which is great.\n\nWhen we look at a 2% return for the amount of money you have in super, it actually shows your earnings as about 20,163. So it made that 20,000 back, which is really good to see. Okay? So you you are on track to making that money back, which is good. One of the things we definitely did talk about last time we spoke was that you wanted to look at maybe having some more commodities, maybe some silver and things in your portfolio.\n\nIs that still where you're looking heading? Yep. Beautiful. I have had a bit of looking around at the options out there. We can definitely look at adding some of those in.\n\nSo what I might even look at doing is updating the advice for you. I do wanna do a bit of a refresh on the pension. So that's basically encompasses moving the pension back into super and then moving some more money back into pension. That way, we're keeping as much as we can sheltered in that super side of things, but we also need to keep enough money sitting in your pension account to give you pension payments as well. Okay?\n\nSo I'll I'll do a bit of math calculating with the Centrelink side of things, making sure that we're not exceeding the cap so you're not having to, you know, lose out on any of your Centrelink payments there. Having and I'll I'll look at maybe adding a bit more in the way of the growth investments into the super where you probably can take a little bit more risk and keeping your pension a little bit more safer with those low risk investments, more cash producing. Does that sound like something you'd be open to? Yeah. Yeah.\n\nThat's okay. That's absolutely not a problem. And I'll look at those commodities. Is there anything particular aside from the gold and the silver that might pick your interest with that you'd like to see in soup or anything else that's been on your mind? Yep.\n\nYep. Yep. Perfect. No problem at all. I've done a little bit of research already, but I'll go back and reencompass some research and have a really good look.\n\nThis is a lot more in-depth, so it will take me a couple of weeks to complete the research as a whole to make sure everything is working correctly for you. But I'll definitely come back and show you the advice document. Again, any advice we provide, Julie, is us just giving you the recommendations. You then get to take them away, read them over, decide whether you wanna take all of them, sell them, or none of them at all. It's completely up to you, and we'll just show you what that looks like.\n\nI'll outline the advantages, disadvantages, and the risks involved so you can make an informed decision. Okay? Yeah. Yeah. Absolutely.\n\nSo when I have a really good look at everything in detail, having a look now your super has definitely made a lot of that money back. We've made that 20,000 back from when you took the money took the funds out. You have your physical gold is doing exceptionally well. So I have a look here at generally around about the last sort of twelve months there. Your physical gold has done exceptionally well in both those portfolios there.\n\nIn your super, it is up sorry. My computer's a little bit slow. That is the wrong one. It is up over 51.44%, so it's doing very, very well. Physical Gold has had a bit of a hit in the last couple of weeks, but it has definitely sort of shown some recovery points, but you're still up over the year.\n\nYou've also got your infrastructure fund, which is more of an income fund there, and that's up over 22.51%. Your bank hybrids, so these are, as I mentioned, more of a defensive investment. I would like to maybe look at swapping your bank hybrids out. They have given you a positive return. However, moving forward, bank hybrids, these sorts of investments are being phased out by the government, so we will have to move you out eventually.\n\nSo as part of the advice, I might look at moving that out and putting you in something like bonds, and I'll find something appropriate. Yeah. Perfect. Excellent. Yeah.\n\nThere is yeah. I did have a bit of a look. Now Hub twenty four at such allows you to put no more than 20% in for any individual in for any individual account. And having a look at your super account at the moment, physical gold, you're at 26.1%. So you are pretty heavily overweighted in the super.\n\nWe can definitely look to retain that for you, but they won't let us put any more physical gold in there. But we can look at other things. We can look at silver. We can look at other, investments that encompass maybe a bit of underlying gold for you as well. Okay.\n\nYeah. Yeah. Yeah. Yeah. So I had a really good look.\n\nBetween your between your Centrelink that you're getting for the disability pension and the amount that you are getting out of hub twenty four, you're actually making on a a weekly basis, you're getting about $1,085 and 94. So I know you wanted to sort of have that $1,000 on a week income side of things. Did you want me to look at maybe reducing that back a bit? You're only getting about $85.94 more than what you sort of wanted, or do you feel with the cost of living increasing that extra money is needed and appropriate? Yep.\n\nYep. Yep. Yes. Yeah. Yep.\n\nOh, good. Mhmm. Okay. When is he sort of planning on doing that? Okay.\n\nBecause under because you are currently on Centrelink, you can take the funds out of Super. Given your age, you've got access to it. It's fine. But under Centrelink rules, they have rules around gifting. So, essentially, under their rules, you can only gift $10,000 on a yearly basis and no more than 30,000 over five years.\n\nSo in order to give him like, if they come back and ask you to update your circumstances, they say, have you gifted this money? They'll see the money come out. Like, if they ask you the bank statements, they can see where the money is being transferred to and from, and that kinda gives them a bit of an idea. But if you do have to disclose the gifting side of things and you say that you've given him $20,000 as a loan, even though he's gonna repay that, they will essentially utilize the gifting rules and allow you to have gifted 10,000. And the extra 10,000 you've gifted, they use is what's called deprived asset, which means they assess you as having that money, that extra $10,000 for the next five years.\n\nSo it can have an effect on your pension payments there. In saying that, I could we can look at doing that. Otherwise, as part of the advice structure, I could always look at maybe drawing 10,000 now and maybe 10,000 if he's comfortable with maybe doing that over two financial years, we do it around June or July. That way, you can do 10,000 in June, 10,000 on the July 1. You've gifted him that money, and nothing is considered as a private asset.\n\nIt's not even included by Centrelink rules. Is that something that might be worth a conversation with him about? Yeah. Yeah. Yeah.\n\nIf not, look, even it's one thing if you still won't take the money, you absolutely can. It's just that risk around, you know, the the deprived investment the deprived asset side of things. We don't want them to, you know, be noting or have anything noted down that's gonna give you because you are 62, obviously, you still have a bit of time before you go on to the age pension side of things, but they do just have very strict rules around that. And I wouldn't want them to, you know, have any wrong assessments or be adding any deprived assets because they're assessing you for having money you don't actually have, which can be a negative down the track. Yeah.\n\nYeah. The the other option is you could always withdraw the money, the 20,000, saying that you wanna withdraw the funds. You take it out and hand it to him and give it to him as a check or as a cash or something like that, and you just tell them you're drawing it out for some sort of purchase or large bill that you have, that is another way of getting around it. It's just that, yeah, Being very careful with what I say at the same time not to get you any trouble. Yeah.\n\nYep. Mhmm. No. They'll see it as a withdrawal. Yeah.\n\nAnd they'll just come back. And if they have any questions, they'll say, hey. What was this for? I mean, you've just put in a large pool, and you've just put in all sorts of bits and pieces, and you got home maintenance to consider. So there is obviously that aspect depending on what you, at the time, feel you could, you know, justify.\n\nSo and that's only if they update your circumstances. They may not ask you to update your circumstances, so it might not be an issue. Yeah. Yeah. Yeah.\n\nYeah. Absolutely. Yep. Yep. Abs and that's only if they come back and ask for anything.\n\nYou don't have to ring them specifically and say, hey. I've lent my son money or anything. No. Correct. Yeah.\n\nYep. Yeah. Yeah. It's just it makes a difference. Yeah.\n\nAbsolutely. Yeah. Yep. Yep. Yeah.\n\nNo. That's okay. I can have a look at that as part of the advice if you like. So with the withdraw, I'll just say that you need to withdraw 20,000 for, say, home maintenance. Yep.\n\nNope. Yep. That's okay. And as maintenance, it's absolutely fine. Not a problem at all.\n\nSo I can account for the extra the 20,000 withdrawal and then look at rejigging the pro the portfolio for you, and also just look at, you know, the investments within the portfolio, see how they're aligned, maybe add some additional into your super and maybe reduce back some of the risk in your pension because that's where the money is coming from. We wanna take less risk in the account that you're drawing money out and make sure income is being produced where you're super, you can afford to take a little bit more risk maybe in. Does that sound okay? Yep. Beautiful.\n\nYep. Yep. Yep. Yep. That's okay.\n\nI can include that in the advice. It's not a problem at all. Now do you know with the advice, I do have a little bit of backlog at the moment with with all the advice I am providing for my retiree clients, which is I love. But it would take me about four weeks to complete the research. Is that gonna be okay, or do you want this a little bit sooner and I can prioritize it for you a bit more?\n\nWhat would you how what's the time frame do you think you'd be comfortable with for this? Yep. That's okay. Yep. That's okay.\n\nYep. Wow. Yeah. Yep. No.\n\nThat's okay. I can I can push this research through in the next two weeks? It's not a problem at all. If I would be able to, I'd be able to present the advice to you the March. Is that gonna be okay?\n\nThat is presenting in three weeks. Is that alright? Yep. Beautiful. We just make that as a priority, and we get that done as quickly as possible from wherever I take it from.\n\nIt won't take long to withdraw the funds out, and we can allocate funds being drawn out of a specific investment if we need to. It's not a problem. Yeah. Yeah. Well, what we'll do is with a full refresh is we'll essentially move everything in pension back to super.\n\nWe'll withdraw the funds out of the one account to make it easier, and then we'll move some money back into pension. It's generally a pretty quick process to refresh. They just move everything back into super and then just basically transfer things back into pension with a new amount. We can still be withdrawing funds in the meantime. It's not a problem.\n\nBut in the process of doing that, we'll also change your investments around. So I'll double check how much we need to keep in cash, which is a minimum cash amount, but also making sure that it's within your risk profile. And I might invest some of that money. We don't wanna leave too much Citi in cash because the cash account essentially costs you money. So you don't get much interest out of that at all.\n\nI'd even rather have it in that triple a cash account because it gets you better income and better interest than sitting in the cash account itself. So we might just leave the minimum in cash. Yeah. Yep. Beautiful.\n\nNo. We'll keep some gold, and I'll look at what other commodities we can add in there for you. Okay? Yep. Yeah.\n\nYeah. Yeah. It there's a pretty massive dip. And Silver went through the same thing. It had seen really great massive, you know, ten, fifteen year highs.\n\nAnd then in one to two days, it dropped 18%, but it's still at a huge high. So even with the dip, it's still at higher than where it was last year. So it's still still good to have. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nSorry. Yeah. That's a lot. Yeah. Yeah.\n\nYeah. Yeah. Yep. Yep. Yep.\n\nYeah. No. Absolutely. No. Yeah.\n\nYeah. Yep. Yep. Absolutely. No.\n\nNot a problem at all. I'll get that sorted. I'll prioritize that research for you, and we'll get it done. I'll book you in to have it presented. I know normally mornings suit better for you.\n\nDid you it doesn't matter? That's okay. Did you want to so that when so that week, the March 2 onwards, I don't have any bookings in my calendar that week. Did you wanna pick a day that would suit you better that week so far? Ready?\n\nYep. That's okay. Not not a problem at all. What if we book it in for that Monday the second? That way we're not holding off too much longer after that.\n\nAnd I can put it in for, say, 02:30 Queensland time the same as today. Is that okay? Yep. Perfect. I'll pop it in there, and we will have the advice ready to go then for you.\n\nOkay. And I'll add a text message reminder to make it easier on you. Okay? Easy. Yeah.\n\nOf course. Yeah. No. No. Understandable.\n\nUnderstandable. Yeah. No. That's okay. Yeah.\n\nYeah. No. Not a problem at all. All good. Now we do have you in that sort of defensive risk profile environment where you sort of have more of those lower risk investments.\n\nObviously, we wanna keep you in that sort of environment there when I'm looking at the investment styles. But just a couple of questions just to kind of regage your risk profile just to make sure we do have you invested correctly and that profile still fits you. If you say saw your super fall by 20% over the next six months, how do you think you might react? Do you think you'd be putting more money in? It might be a buying opportunity.\n\nAre you likely to call me and say what's going on, or do you feel like you'd be wanting to cement some losses and move some money around to something safer? Yep. Yeah. Yep. No.\n\nYeah. Yep. That's okay. No. That's okay.\n\nWhen you were looking at your portfolios over the longer term, what sort of average rate of return would you to receive from on a yearly basis? Do you think you're wanting the highest return you can get each year, maybe 8% and above? Are you comfortable with, say, six to 8%, four to 6%, or just two to 4%? What are you sorta aiming for on a yearly basis, do you think? Yep.\n\nYep. Yeah. Perfect. Perfect. And you sorta went through when you saw that bit of a drop and you know the markets go up and down.\n\nYou weren't overly concerned with that big drop in the gold over the last few months. But if we did see, like, if Trump made a tweet next year or this year and the and the whole market took a little bit of a dip, do you think that sort of scenario might make you feel worried about your investments, not concerned at all, you know it'll come back, or a little bit anxious? How do you think you might feel in that scenario? Yep. Yep.\n\nYep. Beautiful. I like that. Yeah. Absolutely.\n\nNo. Perfect. Well, thank you so much for that. Having a look at things, you are sort of still in that defensive environment there. I probably wouldn't wanna bring you out of that because you are in that retirement phase.\n\nYou still you need your super to be growing, but you also needed to produce income for you moving forward. So given your time horizon and your risk tolerance there, I would probably keep you in that same sort of risk category, but we can look at maybe adjusting your super and pension. So as I said before, in the accumulation, the super side, we have a little bit more risk there trying to attain a bit more growth, but then we have a little bit less risk in the pension, more income producing so you can get those income payments drawn down, and then making sure between the two accounts overarching that you're within that risk profile. Does that sound okay to you if I play around with that and try to get it working better for you? Perfect.\n\nExcellent. And, look, honestly, your pension account has done quite well. All the investments in there are up. And, overall, when I look at it over the last twelve months there, your pension account itself has made about 7%. So it's still producing enough income that whilst we're drawing down more than what it is making, that income that it's producing is offsetting some of your drawdown.\n\nSo that is helping to to make it last a bit longer. Okay? Yep. It is doing really well. Yeah.\n\nBut we'll definitely look at maybe moving that that hybrid investment, and I'll just look at what else we can do to give you a bit more growth growth in the super side for you. Okay? Perfect. Excellent. I just wanted to also run over those assets just to see if any values have changed while I'm updating the advice for you.\n\nYour main primary residence there, I know house values has still been going up even though, you know, everything else is going up too. Have you looked at what the value might be or what estimated value you might have on your house at the moment? No. Yeah. Okay.\n\nPerfect. Excellent. Okay. That is excellent. And mortgage wise, we had just under 200,000.\n\nWe had it noted last year about a 199,000 owing there. Is there a bit less on that now, or is that kind of gone up with the changes on the fixed rate dropping off? Yeah. Yep. Perfect.\n\nExcellent. The the m u x, we had a value of that of about 90,000 because you'd not sort of long sorry. Purchased it. What sort of value would you put on that now, do you think? Yep.\n\nOkay. Yeah. Wow. That's fantastic. Excellent.\n\nAnd home and contents insurance, the value of your contents there was about 80,000. Would you alter that, or you think it's still the same? Yep. Yep. That's okay.\n\nNot an issue at all. Since you came on board with us, have you spoken to the solicitor and updated your will at all or power of attorneys or anything like that? Yep. Beautiful. All updated.\n\nExcellent. And I'm just double checking that we have everything on our end done with beneficiaries as well. So we have down here a beneficiary on super. We have it binding non lapsing to Dylan for a 100%. And I'll just double check this one as well, making sure that everything is correct.\n\nAnd beneficiary for the pension account, again, is a 100% to Dylan. So you're happy with how those are structured? Yep. Beautiful. Excellent.\n\nIs there anything else that you might have purchased that might you might wanna note down as an asset for value? Or No. No. It's okay. Yep.\n\nYep. Yep. Yep. No. That's okay.\n\nNot a problem. And do you have any other goals that you're wanting to achieve over the next one to two to three to five years at all, or is it just sort of helping out Dylan at the moment and and enjoying your life? Yeah. Yep. Yep.\n\nYeah. Absolutely. Yeah. Yeah. Abs and you like to log in and have a look and see where the money's invested in all the individual investments there, don't you?\n\nYeah. Perfect. Good. Oh, that's really good. See, I love this sort of thing when people like to look at their super and see it moving and growing and understand it.\n\nIt's it's it's good. Fantastic. Yeah. Beautiful. Yeah.\n\nOh, no. Absolutely. No. Honestly, look, you're doing really well so far. I just wanna make sure it continues to work for you.\n\nAnd it's important to note that we are updating investments on a regular basis too because what works now or what was working last year may not be working in the future. And it's good to try and get out that those bank hybrids now whilst we can before the government forces us to down the track. So we'll find something better, and I'll make sure whatever's working gonna limit CGT consequences inside Super. And, yeah, I'll show you. We'll organize that withdrawal for you as well.\n\nOkay? Lovely. Thank you so much for your time. It's always a pleasure, Julie. I love chatting to you.\n\nThank you. I'll get stuck into the research for you. I've got you booked in there for the March 2. Sorry to go through the advice document. And then if there's anything that comes up in the meantime, you know where I am, let me know, and I can always adjust things around.\n\nOkay? Beautiful. Thank you so much for your time. I'll let you go. You have a good afternoon.\n\nStay cool. Thanks, Julie. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Julie.","start":3.6799998,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.1689988523721695},{"text":"How are you today?","start":4.3199997,"end":5.38,"sentiment":"neutral","sentiment_score":0.24233673885464668},{"text":"I'm very well.","start":7.44,"end":8.32,"sentiment":"positive","sentiment_score":0.5667448043823242},{"text":"Thank you.","start":8.32,"end":8.72,"sentiment":"positive","sentiment_score":0.6794447898864746},{"text":"I had you booked in to go see your annual review.","start":8.72,"end":10.719999,"sentiment":"positive","sentiment_score":0.337458534674211}],"sentiment":"positive","sentiment_score":0.36720511520450766,"num_words":22,"start":3.6799998,"end":10.719999},{"sentences":[{"text":"Is now still a good time there for you?","start":10.719999,"end":12.74,"sentiment":"neutral","sentiment_score":0.26882488860024345},{"text":"Yep.","start":14.105,"end":14.605,"sentiment":"neutral","sentiment_score":0.10081996023654938},{"text":"Fantastic.","start":14.745,"end":15.245,"sentiment":"positive","sentiment_score":0.4527727961540222},{"text":"It's but it's hot up there at the moment.","start":15.465,"end":17.385,"sentiment":"neutral","sentiment_score":-0.1822475501232677},{"text":"How's your pool going for you?","start":17.385,"end":19.164999,"sentiment":"neutral","sentiment_score":0.03834880329668522}],"sentiment":"neutral","sentiment_score":0.06011083163321018,"num_words":26,"start":10.719999,"end":19.164999},{"sentences":[{"text":"I bet it is.","start":20.744999,"end":21.805,"sentiment":"neutral","sentiment_score":-0.06384625006467104},{"text":"It has been.","start":26.349998,"end":27.15,"sentiment":"negative","sentiment_score":-0.4299476146697998},{"text":"I worked from home yesterday because my son was unwell, and, yeah, it just was a scorcher.","start":27.15,"end":32.69,"sentiment":"negative","sentiment_score":-0.4552429002874038},{"text":"And, I mean, I'm down here on the Gold Coast, so you're more up and inland, so you'd feel it a lot more than I would.","start":32.75,"end":38.449997,"sentiment":"neutral","sentiment_score":-0.3206895939432658},{"text":"Oh, wow.","start":46.345,"end":47.325,"sentiment":"neutral","sentiment_score":-0.2676707059144974}],"sentiment":"negative","sentiment_score":-0.34918515391361254,"num_words":52,"start":20.744999,"end":47.325},{"sentences":[{"text":"Oh, That is a lot, isn't it?","start":48.345,"end":54.36,"sentiment":"neutral","sentiment_score":-0.22063314276082174},{"text":"Oh my goodness.","start":54.36,"end":55.260002,"sentiment":"neutral","sentiment_score":-0.06212634593248367},{"text":"Wow.","start":55.64,"end":56.14,"sentiment":"neutral","sentiment_score":-0.0677984207868576},{"text":"No.","start":57.72,"end":58.22,"sentiment":"neutral","sentiment_score":-0.20645564794540405},{"text":"Definitely not.","start":58.36,"end":59.48,"sentiment":"neutral","sentiment_score":-0.18481044471263885}],"sentiment":"neutral","sentiment_score":-0.16962042823433876,"num_words":14,"start":48.345,"end":59.48},{"sentences":[{"text":"Well, I'll try not to take up too much of your time, but just wanna run through things and give you a bit of an update there.","start":59.48,"end":64.385,"sentiment":"neutral","sentiment_score":-0.004944661080285355},{"text":"And I've had a bit of a look, and we can definitely look at, you know, maybe updating the advice for you, which should be fantastic.","start":64.385,"end":69.045,"sentiment":"neutral","sentiment_score":0.13999634035504782},{"text":"Before I jump into the call completely, I do have to let you know we do record our calls for quality and training purposes.","start":69.585,"end":74.625,"sentiment":"neutral","sentiment_score":0.020871202383811276},{"text":"Are you happy for me to proceed with that?","start":74.625,"end":76.625,"sentiment":"neutral","sentiment_score":0.04431746734513177},{"text":"Beautiful.","start":76.625,"end":77.125,"sentiment":"neutral","sentiment_score":0.21460293233394623}],"sentiment":"neutral","sentiment_score":0.053112275812817716,"num_words":87,"start":59.48,"end":77.125},{"sentences":[{"text":"Lovely.","start":78.21,"end":78.53,"sentiment":"neutral","sentiment_score":0.24995964765548703},{"text":"And I'm discussing your personal information.","start":78.53,"end":80.13,"sentiment":"neutral","sentiment_score":0.11725181713700294},{"text":"So I'd like to be security conscious.","start":80.13,"end":81.649994,"sentiment":"neutral","sentiment_score":0.09009729219334466},{"text":"I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":81.649994,"end":85.829994,"sentiment":"neutral","sentiment_score":0.08024378158152104},{"text":"Yep.","start":89.49,"end":89.99,"sentiment":"neutral","sentiment_score":0.01734497956931591}],"sentiment":"neutral","sentiment_score":0.09161063448659011,"num_words":35,"start":78.21,"end":89.99},{"sentences":[{"text":"Beautiful.","start":91.085,"end":91.585,"sentiment":"neutral","sentiment_score":0.07749442011117935},{"text":"Thank you so much for that.","start":91.645,"end":93.265,"sentiment":"positive","sentiment_score":0.8005045652389526},{"text":"Now I had a bit of a look back at your super, so I will send you these documents afterwards.","start":93.405,"end":97.564995,"sentiment":"neutral","sentiment_score":0.17200800813734532},{"text":"This is for you as a different system to DocuSign.","start":97.564995,"end":99.825,"sentiment":"neutral","sentiment_score":0.05561966300010681},{"text":"I know the Internet's a bit patchy where you are as well.","start":99.884995,"end":102.705,"sentiment":"neutral","sentiment_score":-0.0027763007286315164}],"sentiment":"neutral","sentiment_score":0.18048087746018962,"num_words":49,"start":91.085,"end":102.705},{"sentences":[{"text":"So I'll just run through these for you, and then I'll send them through to you after the call.","start":102.91,"end":106.83,"sentiment":"neutral","sentiment_score":0.12885038162532605},{"text":"That way, you can have a good really good look at everything and review anything you've got there.","start":106.83,"end":110.75,"sentiment":"neutral","sentiment_score":0.24472721169392267},{"text":"Okay?","start":110.75,"end":111.25,"sentiment":"neutral","sentiment_score":0.07563864439725876},{"text":"Now we did do that nice big withdrawal in around about sort of the November 20 there.","start":112.19,"end":116.955,"sentiment":"neutral","sentiment_score":0.2293496500043308},{"text":"So having a look at your super, it has sort of seen good growth since then.","start":116.955,"end":121.055,"sentiment":"positive","sentiment_score":0.3843226935714483}],"sentiment":"neutral","sentiment_score":0.23911257539416703,"num_words":71,"start":102.91,"end":121.055},{"sentences":[{"text":"Looking at your super, you've received about 2.76% as an internal rate of return.","start":121.195,"end":126.235,"sentiment":"neutral","sentiment_score":0.19656419647591455},{"text":"That's from the twenty second of the eleventh until now.","start":126.235,"end":128.875,"sentiment":"neutral","sentiment_score":0.1401597186923027},{"text":"So oh, sorry.","start":128.875,"end":129.68001,"sentiment":"neutral","sentiment_score":0.06570619717240334},{"text":"That's from the twenty second of the eleventh until sort of January, the January there.","start":129.68001,"end":134.96,"sentiment":"neutral","sentiment_score":0.06064780429005623},{"text":"So your portfolio has shown some good recovery, which is great.","start":134.96,"end":138.5,"sentiment":"positive","sentiment_score":0.5050437423315915}],"sentiment":"neutral","sentiment_score":0.20407193885096964,"num_words":53,"start":121.195,"end":138.5},{"sentences":[{"text":"When we look at a 2% return for the amount of money you have in super, it actually shows your earnings as about 20,163.","start":138.64,"end":146.495,"sentiment":"neutral","sentiment_score":0.25210093582669896},{"text":"So it made that 20,000 back, which is really good to see.","start":146.495,"end":151.135,"sentiment":"positive","sentiment_score":0.37271395325660706},{"text":"Okay?","start":151.135,"end":151.635,"sentiment":"neutral","sentiment_score":0.22717632353305817},{"text":"So you you are on track to making that money back, which is good.","start":152.175,"end":155.395,"sentiment":"positive","sentiment_score":0.5242682844400406},{"text":"One of the things we definitely did talk about last time we spoke was that you wanted to look at maybe having some more commodities, maybe some silver and things in your portfolio.","start":155.695,"end":163.91,"sentiment":"neutral","sentiment_score":0.1643995369474093}],"sentiment":"neutral","sentiment_score":0.279941749093788,"num_words":84,"start":138.64,"end":163.91},{"sentences":[{"text":"Is that still where you're looking heading?","start":163.91,"end":165.93001,"sentiment":"neutral","sentiment_score":0.04992975241371563},{"text":"Yep.","start":166.07,"end":166.57,"sentiment":"neutral","sentiment_score":0.07784083485603333},{"text":"Beautiful.","start":167.91,"end":168.41,"sentiment":"positive","sentiment_score":0.3986579179763794},{"text":"I have had a bit of looking around at the options out there.","start":168.47,"end":171.03,"sentiment":"neutral","sentiment_score":0.17831088602542877},{"text":"We can definitely look at adding some of those in.","start":171.03,"end":173.125,"sentiment":"neutral","sentiment_score":0.19608113616704942}],"sentiment":"neutral","sentiment_score":0.15952687186654657,"num_words":32,"start":163.91,"end":173.125},{"sentences":[{"text":"So what I might even look at doing is updating the advice for you.","start":173.125,"end":176.645,"sentiment":"neutral","sentiment_score":0.06330868255879198},{"text":"I do wanna do a bit of a refresh on the pension.","start":176.645,"end":179.30501,"sentiment":"neutral","sentiment_score":0.09237588134904702},{"text":"So that's basically encompasses moving the pension back into super and then moving some more money back into pension.","start":179.365,"end":186.64,"sentiment":"neutral","sentiment_score":0.10207541483013254},{"text":"That way, we're keeping as much as we can sheltered in that super side of things, but we also need to keep enough money sitting in your pension account to give you pension payments as well.","start":186.64,"end":197.28,"sentiment":"neutral","sentiment_score":0.13271877128216955},{"text":"Okay?","start":197.28,"end":197.78,"sentiment":"neutral","sentiment_score":0.05074984207749367}],"sentiment":"neutral","sentiment_score":0.10686451978072888,"num_words":82,"start":173.125,"end":197.78},{"sentences":[{"text":"So I'll I'll do a bit of math calculating with the Centrelink side of things, making sure that we're not exceeding the cap so you're not having to, you know, lose out on any of your Centrelink payments there.","start":199.165,"end":209.42499,"sentiment":"neutral","sentiment_score":0.15274148491712716},{"text":"Having and I'll I'll look at maybe adding a bit more in the way of the growth investments into the super where you probably can take a little bit more risk and keeping your pension a little bit more safer with those low risk investments, more cash producing.","start":210.78,"end":222.45999,"sentiment":"neutral","sentiment_score":0.22650848732640347},{"text":"Does that sound like something you'd be open to?","start":222.45999,"end":224.79999,"sentiment":"neutral","sentiment_score":0.16284645100434622},{"text":"Yeah.","start":227.28499,"end":227.78499,"sentiment":"neutral","sentiment_score":0.2484952211380005},{"text":"Yeah.","start":231.685,"end":232.08499,"sentiment":"neutral","sentiment_score":0.3130015730857849}],"sentiment":"neutral","sentiment_score":0.19241265466018598,"num_words":98,"start":199.165,"end":232.08499},{"sentences":[{"text":"That's okay.","start":232.08499,"end":232.885,"sentiment":"positive","sentiment_score":0.3907770812511444},{"text":"That's absolutely not a problem.","start":232.885,"end":234.50499,"sentiment":"positive","sentiment_score":0.49371354579925536},{"text":"And I'll look at those commodities.","start":234.56499,"end":236.00499,"sentiment":"positive","sentiment_score":0.33353014290332794},{"text":"Is there anything particular aside from the gold and the silver that might pick your interest with that you'd like to see in soup or anything else that's been on your mind?","start":236.00499,"end":244.20001,"sentiment":"neutral","sentiment_score":0.21852320060133934},{"text":"Yep.","start":252.115,"end":252.615,"sentiment":"neutral","sentiment_score":0.03964518383145332}],"sentiment":"neutral","sentiment_score":0.26703674678245315,"num_words":46,"start":232.08499,"end":252.615},{"sentences":[{"text":"Yep.","start":259.155,"end":259.655,"sentiment":"neutral","sentiment_score":0.08891090005636215},{"text":"Yep.","start":262.53,"end":263.03,"sentiment":"neutral","sentiment_score":0.02970638871192932},{"text":"Perfect.","start":264.85,"end":265.35,"sentiment":"neutral","sentiment_score":0.30509984493255615},{"text":"No problem at all.","start":265.49002,"end":266.37,"sentiment":"neutral","sentiment_score":0.2777259573340416},{"text":"I've done a little bit of research already, but I'll go back and reencompass some research and have a really good look.","start":266.37,"end":271.35,"sentiment":"neutral","sentiment_score":0.2956259094856002}],"sentiment":"neutral","sentiment_score":0.27718589557655926,"num_words":29,"start":259.155,"end":271.35},{"sentences":[{"text":"This is a lot more in-depth, so it will take me a couple of weeks to complete the research as a whole to make sure everything is working correctly for you.","start":271.65,"end":279.055,"sentiment":"neutral","sentiment_score":0.21458469811947115},{"text":"But I'll definitely come back and show you the advice document.","start":279.435,"end":282.255,"sentiment":"neutral","sentiment_score":0.17531600729985672},{"text":"Again, any advice we provide, Julie, is us just giving you the recommendations.","start":282.315,"end":286.335,"sentiment":"neutral","sentiment_score":0.15670655151972404},{"text":"You then get to take them away, read them over, decide whether you wanna take all of them, sell them, or none of them at all.","start":286.555,"end":293.3425,"sentiment":"neutral","sentiment_score":0.07927439290170486},{"text":"It's completely up to you, and we'll just show you what that looks like.","start":293.3425,"end":297.0875,"sentiment":"neutral","sentiment_score":0.2795535091842924}],"sentiment":"neutral","sentiment_score":0.1746596866924512,"num_words":95,"start":271.65,"end":297.0875},{"sentences":[{"text":"I'll outline the advantages, disadvantages, and the risks involved so you can make an informed decision.","start":297.0875,"end":301.36752,"sentiment":"neutral","sentiment_score":0.2479288992471993},{"text":"Okay?","start":301.36752,"end":301.635,"sentiment":"neutral","sentiment_score":0.09692247956991196},{"text":"Yeah.","start":301.635,"end":302.135,"sentiment":"neutral","sentiment_score":0.07898034900426865},{"text":"Yeah.","start":311.795,"end":312.295,"sentiment":"neutral","sentiment_score":0.3105718493461609},{"text":"Absolutely.","start":312.355,"end":312.855,"sentiment":"positive","sentiment_score":0.4494234621524811}],"sentiment":"neutral","sentiment_score":0.24513802640140056,"num_words":20,"start":297.0875,"end":312.855},{"sentences":[{"text":"So when I have a really good look at everything in detail, having a look now your super has definitely made a lot of that money back.","start":313.39502,"end":319.33,"sentiment":"positive","sentiment_score":0.5574187757792296},{"text":"We've made that 20,000 back from when you took the money took the funds out.","start":319.33,"end":323.27,"sentiment":"positive","sentiment_score":0.3980655759572983},{"text":"You have your physical gold is doing exceptionally well.","start":323.89,"end":327.43,"sentiment":"positive","sentiment_score":0.5574164456791348},{"text":"So I have a look here at generally around about the last sort of twelve months there.","start":328.13,"end":332.63,"sentiment":"neutral","sentiment_score":0.19147380309946396},{"text":"Your physical gold has done exceptionally well in both those portfolios there.","start":332.925,"end":336.865,"sentiment":"positive","sentiment_score":0.4120466733972232}],"sentiment":"positive","sentiment_score":0.42797066662460564,"num_words":80,"start":313.39502,"end":336.865},{"sentences":[{"text":"In your super, it is up sorry.","start":336.925,"end":340.845,"sentiment":"neutral","sentiment_score":-0.03199189901351929},{"text":"My computer's a little bit slow.","start":340.845,"end":343.025,"sentiment":"neutral","sentiment_score":-0.2346014380455017},{"text":"That is the wrong one.","start":343.485,"end":344.85,"sentiment":"neutral","sentiment_score":-0.09423997551202774},{"text":"It is up over 51.44%, so it's doing very, very well.","start":345.41,"end":351.09,"sentiment":"neutral","sentiment_score":0.2180401621894403},{"text":"Physical Gold has had a bit of a hit in the last couple of weeks, but it has definitely sort of shown some recovery points, but you're still up over the year.","start":351.09,"end":357.765,"sentiment":"neutral","sentiment_score":0.09711592295207083}],"sentiment":"neutral","sentiment_score":0.05579343474790698,"num_words":61,"start":336.925,"end":357.765},{"sentences":[{"text":"You've also got your infrastructure fund, which is more of an income fund there, and that's up over 22.51%.","start":358.325,"end":364.505,"sentiment":"neutral","sentiment_score":0.20458844382511943},{"text":"Your bank hybrids, so these are, as I mentioned, more of a defensive investment.","start":365.20502,"end":369.14502,"sentiment":"neutral","sentiment_score":0.1268314772418567},{"text":"I would like to maybe look at swapping your bank hybrids out.","start":369.92502,"end":372.75,"sentiment":"neutral","sentiment_score":0.09479097959895928},{"text":"They have given you a positive return.","start":372.75,"end":374.77002,"sentiment":"neutral","sentiment_score":0.24603891798428126},{"text":"However, moving forward, bank hybrids, these sorts of investments are being phased out by the government, so we will have to move you out eventually.","start":374.91,"end":383.65002,"sentiment":"neutral","sentiment_score":-0.011234662160277367}],"sentiment":"neutral","sentiment_score":0.1070353083264131,"num_words":77,"start":358.325,"end":383.65002},{"sentences":[{"text":"So as part of the advice, I might look at moving that out and putting you in something like bonds, and I'll find something appropriate.","start":383.71002,"end":391.155,"sentiment":"neutral","sentiment_score":-0.018928071968257427},{"text":"Yeah.","start":391.375,"end":391.695,"sentiment":"neutral","sentiment_score":0.07950925827026367},{"text":"Perfect.","start":391.695,"end":392.195,"sentiment":"neutral","sentiment_score":0.14519107341766355},{"text":"Excellent.","start":393.135,"end":393.635,"sentiment":"neutral","sentiment_score":0.25995028018951416},{"text":"Yeah.","start":395.375,"end":395.875,"sentiment":"neutral","sentiment_score":-0.00967942737042904}],"sentiment":"neutral","sentiment_score":0.00006101328622678129,"num_words":29,"start":383.71002,"end":395.875},{"sentences":[{"text":"There is yeah.","start":408.11002,"end":409.31,"sentiment":"neutral","sentiment_score":0.0050710104405879974},{"text":"I did have a bit of a look.","start":409.31,"end":410.67,"sentiment":"neutral","sentiment_score":0.037810149136930704},{"text":"Now Hub twenty four at such allows you to put no more than 20% in for any individual in for any individual account.","start":410.67,"end":419.375,"sentiment":"neutral","sentiment_score":0.037980122005809906},{"text":"And having a look at your super account at the moment, physical gold, you're at 26.1%.","start":419.835,"end":426.335,"sentiment":"neutral","sentiment_score":0.023904101748485118},{"text":"So you are pretty heavily overweighted in the super.","start":426.475,"end":429.86,"sentiment":"neutral","sentiment_score":-0.08471902335683505}],"sentiment":"neutral","sentiment_score":0.013749685564662441,"num_words":59,"start":408.11002,"end":429.86},{"sentences":[{"text":"We can definitely look to retain that for you, but they won't let us put any more physical gold in there.","start":430.08,"end":435.12,"sentiment":"neutral","sentiment_score":0.043143038593587424},{"text":"But we can look at other things.","start":435.12,"end":436.32,"sentiment":"neutral","sentiment_score":0.04743966353791101},{"text":"We can look at silver.","start":436.32,"end":437.52,"sentiment":"neutral","sentiment_score":0.08640880584716797},{"text":"We can look at other, investments that encompass maybe a bit of underlying gold for you as well.","start":437.52,"end":443.19998,"sentiment":"neutral","sentiment_score":0.09715414564642641},{"text":"Okay.","start":443.19998,"end":443.655,"sentiment":"neutral","sentiment_score":0.12898041307926178}],"sentiment":"neutral","sentiment_score":0.06822847152272096,"num_words":52,"start":430.08,"end":443.655},{"sentences":[{"text":"Yeah.","start":444.135,"end":444.635,"sentiment":"neutral","sentiment_score":0.25706493854522705},{"text":"Yeah.","start":450.935,"end":451.255,"sentiment":"neutral","sentiment_score":0.1239178031682968},{"text":"Yeah.","start":451.255,"end":451.755,"sentiment":"neutral","sentiment_score":0.1102483719587326},{"text":"Yeah.","start":463.11002,"end":463.51,"sentiment":"neutral","sentiment_score":0.19793647527694705},{"text":"So I had a really good look.","start":463.51,"end":465.05002,"sentiment":"positive","sentiment_score":0.4596735281603677}],"sentiment":"positive","sentiment_score":0.35517111691561615,"num_words":11,"start":444.135,"end":465.05002},{"sentences":[{"text":"Between your between your Centrelink that you're getting for the disability pension and the amount that you are getting out of hub twenty four, you're actually making on a a weekly basis, you're getting about $1,085 and 94.","start":465.43002,"end":479.57498,"sentiment":"neutral","sentiment_score":0.22993037300674538},{"text":"So I know you wanted to sort of have that $1,000 on a week income side of things.","start":479.57498,"end":484.79498,"sentiment":"neutral","sentiment_score":0.087913502421644},{"text":"Did you want me to look at maybe reducing that back a bit?","start":485.02,"end":487.41998,"sentiment":"neutral","sentiment_score":0.0007382674285998706},{"text":"You're only getting about $85.94 more than what you sort of wanted, or do you feel with the cost of living increasing that extra money is needed and appropriate?","start":487.41998,"end":496.71997,"sentiment":"neutral","sentiment_score":0.0032014434049227112},{"text":"Yep.","start":501.58502,"end":502.08502,"sentiment":"neutral","sentiment_score":-0.2776859402656555}],"sentiment":"neutral","sentiment_score":0.10247020821105877,"num_words":99,"start":465.43002,"end":502.08502},{"sentences":[{"text":"Yep.","start":504.14502,"end":504.64502,"sentiment":"neutral","sentiment_score":-0.017622021958231926},{"text":"Yep.","start":507.42502,"end":507.92502,"sentiment":"neutral","sentiment_score":0.05064660310745239},{"text":"Yes.","start":517.28,"end":517.78,"sentiment":"neutral","sentiment_score":0.03502374142408371},{"text":"Yeah.","start":518.24,"end":518.74,"sentiment":"neutral","sentiment_score":0.1209358051419258},{"text":"Yep.","start":524.89496,"end":525.39496,"sentiment":"neutral","sentiment_score":0.2692921757698059}],"sentiment":"neutral","sentiment_score":0.09165526069700718,"num_words":5,"start":504.14502,"end":525.39496},{"sentences":[{"text":"Oh, good.","start":529.935,"end":530.755,"sentiment":"positive","sentiment_score":0.5438386797904968},{"text":"Mhmm.","start":538.51,"end":539.01,"sentiment":"neutral","sentiment_score":0.032905373722314835},{"text":"Okay.","start":567.9,"end":568.4,"sentiment":"neutral","sentiment_score":0.10535000264644624},{"text":"When is he sort of planning on doing that?","start":568.46,"end":570.96,"sentiment":"neutral","sentiment_score":0.09437003400590685},{"text":"Okay.","start":573.61505,"end":574.11505,"sentiment":"neutral","sentiment_score":0.05968279391527176}],"sentiment":"neutral","sentiment_score":0.15249613113701344,"num_words":14,"start":529.935,"end":574.11505},{"sentences":[{"text":"Because under because you are currently on Centrelink, you can take the funds out of Super.","start":574.17505,"end":579.29504,"sentiment":"neutral","sentiment_score":0.031662392895668745},{"text":"Given your age, you've got access to it.","start":579.29504,"end":580.895,"sentiment":"neutral","sentiment_score":0.09161969274282455},{"text":"It's fine.","start":580.895,"end":581.635,"sentiment":"neutral","sentiment_score":0.24524404108524323},{"text":"But under Centrelink rules, they have rules around gifting.","start":582.015,"end":584.73,"sentiment":"neutral","sentiment_score":-0.05522511278589567},{"text":"So, essentially, under their rules, you can only gift $10,000 on a yearly basis and no more than 30,000 over five years.","start":585.05,"end":593.07,"sentiment":"neutral","sentiment_score":-0.02008766494691372}],"sentiment":"neutral","sentiment_score":0.013878759062081053,"num_words":57,"start":574.17505,"end":593.07},{"sentences":[{"text":"So in order to give him like, if they come back and ask you to update your circumstances, they say, have you gifted this money?","start":593.37,"end":599.63,"sentiment":"neutral","sentiment_score":0.01786934703588486},{"text":"They'll see the money come out.","start":600.365,"end":601.725,"sentiment":"neutral","sentiment_score":0.02764998407413562},{"text":"Like, if they ask you the bank statements, they can see where the money is being transferred to and from, and that kinda gives them a bit of an idea.","start":601.725,"end":607.345,"sentiment":"neutral","sentiment_score":0.033416100591421125},{"text":"But if you do have to disclose the gifting side of things and you say that you've given him $20,000 as a loan, even though he's gonna repay that, they will essentially utilize the gifting rules and allow you to have gifted 10,000.","start":607.96497,"end":621.61005,"sentiment":"neutral","sentiment_score":-0.004807350897165232},{"text":"And the extra 10,000 you've gifted, they use is what's called deprived asset, which means they assess you as having that money, that extra $10,000 for the next five years.","start":621.61005,"end":632.605,"sentiment":"neutral","sentiment_score":-0.014994130035241445}],"sentiment":"neutral","sentiment_score":0.007153556779471796,"num_words":134,"start":593.37,"end":632.605},{"sentences":[{"text":"So it can have an effect on your pension payments there.","start":632.82495,"end":636.76495,"sentiment":"neutral","sentiment_score":0.0020204382863911715},{"text":"In saying that, I could we can look at doing that.","start":637.14496,"end":642.65,"sentiment":"neutral","sentiment_score":0.07093018259514462},{"text":"Otherwise, as part of the advice structure, I could always look at maybe drawing 10,000 now and maybe 10,000 if he's comfortable with maybe doing that over two financial years, we do it around June or July.","start":643.03,"end":654.955,"sentiment":"neutral","sentiment_score":0.06249160470592009},{"text":"That way, you can do 10,000 in June, 10,000 on the July 1.","start":654.955,"end":658.97504,"sentiment":"neutral","sentiment_score":0.08101769880606578},{"text":"You've gifted him that money, and nothing is considered as a private asset.","start":659.195,"end":662.79504,"sentiment":"neutral","sentiment_score":-0.2062003159752259}],"sentiment":"neutral","sentiment_score":0.017497319771963008,"num_words":85,"start":632.82495,"end":662.79504},{"sentences":[{"text":"It's not even included by Centrelink rules.","start":662.79504,"end":665.115,"sentiment":"neutral","sentiment_score":-0.2977622715490205},{"text":"Is that something that might be worth a conversation with him about?","start":665.115,"end":669.02997,"sentiment":"neutral","sentiment_score":0.18896778672933578},{"text":"Yeah.","start":674.93,"end":675.43,"sentiment":"neutral","sentiment_score":0.1584000289440155},{"text":"Yeah.","start":677.64996,"end":678.14996,"sentiment":"neutral","sentiment_score":0.08992194384336472},{"text":"Yeah.","start":678.69,"end":679.19,"sentiment":"neutral","sentiment_score":0.07031136006116867}],"sentiment":"neutral","sentiment_score":0.022814130579883404,"num_words":22,"start":662.79504,"end":679.19},{"sentences":[{"text":"If not, look, even it's one thing if you still won't take the money, you absolutely can.","start":680.175,"end":684.655,"sentiment":"neutral","sentiment_score":-0.1058325964738341},{"text":"It's just that risk around, you know, the the deprived investment the deprived asset side of things.","start":684.655,"end":689.53503,"sentiment":"neutral","sentiment_score":-0.27380677794708924},{"text":"We don't want them to, you know, be noting or have anything noted down that's gonna give you because you are 62, obviously, you still have a bit of time before you go on to the age pension side of things, but they do just have very strict rules around that.","start":689.53503,"end":704.56,"sentiment":"neutral","sentiment_score":-0.24303778553125904},{"text":"And I wouldn't want them to, you know, have any wrong assessments or be adding any deprived assets because they're assessing you for having money you don't actually have, which can be a negative down the track.","start":704.62,"end":715.785,"sentiment":"negative","sentiment_score":-0.37887744444447596},{"text":"Yeah.","start":715.785,"end":716.285,"sentiment":"neutral","sentiment_score":-0.007201626896858215}],"sentiment":"neutral","sentiment_score":-0.26727206096416567,"num_words":123,"start":680.175,"end":716.285},{"sentences":[{"text":"Yeah.","start":717.785,"end":718.285,"sentiment":"neutral","sentiment_score":0.05969536677002907},{"text":"The the other option is you could always withdraw the money, the 20,000, saying that you wanna withdraw the funds.","start":719.85004,"end":726.41003,"sentiment":"neutral","sentiment_score":0.045404629316180944},{"text":"You take it out and hand it to him and give it to him as a check or as a cash or something like that, and you just tell them you're drawing it out for some sort of purchase or large bill that you have, that is another way of getting around it.","start":726.41003,"end":741.515,"sentiment":"neutral","sentiment_score":-0.025915390267124715},{"text":"It's just that, yeah, Being very careful with what I say at the same time not to get you any trouble.","start":741.735,"end":746.25,"sentiment":"neutral","sentiment_score":-0.11949579666058223},{"text":"Yeah.","start":747.11,"end":747.61,"sentiment":"neutral","sentiment_score":-0.030777735635638237}],"sentiment":"neutral","sentiment_score":-0.030686637464289863,"num_words":96,"start":717.785,"end":747.61},{"sentences":[{"text":"Yep.","start":750.71,"end":751.21,"sentiment":"neutral","sentiment_score":0.03837406635284424},{"text":"Mhmm.","start":754.965,"end":755.465,"sentiment":"neutral","sentiment_score":0.002133503556251526},{"text":"No.","start":762.405,"end":762.645,"sentiment":"neutral","sentiment_score":-0.1967504322528839},{"text":"They'll see it as a withdrawal.","start":762.645,"end":763.945,"sentiment":"neutral","sentiment_score":-0.1407808077832063},{"text":"Yeah.","start":764.16504,"end":764.405,"sentiment":"neutral","sentiment_score":-0.00189223513007164}],"sentiment":"neutral","sentiment_score":-0.10028199441730976,"num_words":10,"start":750.71,"end":764.405},{"sentences":[{"text":"And they'll just come back.","start":764.405,"end":765.445,"sentiment":"neutral","sentiment_score":0.038437437266111374},{"text":"And if they have any questions, they'll say, hey.","start":765.445,"end":767.205,"sentiment":"neutral","sentiment_score":0.08771306938595241},{"text":"What was this for?","start":767.205,"end":768.325,"sentiment":"neutral","sentiment_score":-0.01250047655776143},{"text":"I mean, you've just put in a large pool, and you've just put in all sorts of bits and pieces, and you got home maintenance to consider.","start":768.325,"end":773.77,"sentiment":"neutral","sentiment_score":0.004233502567297331},{"text":"So there is obviously that aspect depending on what you, at the time, feel you could, you know, justify.","start":773.83,"end":779.77,"sentiment":"neutral","sentiment_score":0.04050229627050852}],"sentiment":"neutral","sentiment_score":0.028366423484840197,"num_words":64,"start":764.405,"end":779.77},{"sentences":[{"text":"So and that's only if they update your circumstances.","start":779.83,"end":783.295,"sentiment":"neutral","sentiment_score":0.006096930139594608},{"text":"They may not ask you to update your circumstances, so it might not be an issue.","start":783.355,"end":786.975,"sentiment":"neutral","sentiment_score":-0.03478249232284725},{"text":"Yeah.","start":787.035,"end":787.535,"sentiment":"neutral","sentiment_score":0.11030475795269012},{"text":"Yeah.","start":799.05,"end":799.55,"sentiment":"neutral","sentiment_score":0.10975629091262816},{"text":"Yeah.","start":805.54504,"end":806.04504,"sentiment":"neutral","sentiment_score":0.15088272094726562}],"sentiment":"neutral","sentiment_score":-0.004667990574879306,"num_words":28,"start":779.83,"end":806.04504},{"sentences":[{"text":"Yeah.","start":808.185,"end":808.685,"sentiment":"positive","sentiment_score":0.3550553023815155},{"text":"Absolutely.","start":808.745,"end":809.245,"sentiment":"positive","sentiment_score":0.5584646463394165},{"text":"Yep.","start":810.825,"end":811.305,"sentiment":"neutral","sentiment_score":0.18404291570186615},{"text":"Yep.","start":811.305,"end":811.705,"sentiment":"neutral","sentiment_score":0.11573094129562378},{"text":"Abs and that's only if they come back and ask for anything.","start":811.705,"end":814.10504,"sentiment":"neutral","sentiment_score":0.07047307367126147}],"sentiment":"neutral","sentiment_score":0.12868566811084747,"num_words":16,"start":808.185,"end":814.10504},{"sentences":[{"text":"You don't have to ring them specifically and say, hey.","start":814.10504,"end":816.025,"sentiment":"neutral","sentiment_score":-0.048098545521497726},{"text":"I've lent my son money or 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okay.","start":882.255,"end":882.735,"sentiment":"neutral","sentiment_score":-0.019837282598018646},{"text":"I can have a look at that as part of the advice if you like.","start":882.735,"end":885.455,"sentiment":"neutral","sentiment_score":0.10823930501937866},{"text":"So with the withdraw, I'll just say that you need to withdraw 20,000 for, say, home maintenance.","start":885.455,"end":890.675,"sentiment":"neutral","sentiment_score":0.015731796622276306},{"text":"Yep.","start":892.43,"end":892.93,"sentiment":"neutral","sentiment_score":-0.05244643613696098}],"sentiment":"neutral","sentiment_score":0.046021922698451415,"num_words":36,"start":882.095,"end":892.93},{"sentences":[{"text":"Nope.","start":894.27,"end":894.77,"sentiment":"neutral","sentiment_score":-0.23725925385951996},{"text":"Yep.","start":897.31,"end":897.71,"sentiment":"neutral","sentiment_score":0.11313772201538086},{"text":"That's okay.","start":897.71,"end":898.27,"sentiment":"neutral","sentiment_score":0.26419176161289215},{"text":"And as maintenance, it's absolutely fine.","start":898.27,"end":900.11,"sentiment":"positive","sentiment_score":0.34905320902665454},{"text":"Not a problem at all.","start":900.11,"end":900.99,"sentiment":"positive","sentiment_score":0.46244818568229673}],"sentiment":"neutral","sentiment_score":0.3207214782635371,"num_words":15,"start":894.27,"end":900.99},{"sentences":[{"text":"So I can account for the extra the 20,000 withdrawal and then look at rejigging the pro the portfolio for you, and also just look at, you know, the investments within the portfolio, see how they're aligned, maybe add some additional into your super and maybe reduce back some of the risk in your pension because that's where the money is coming from.","start":900.99,"end":920.26,"sentiment":"neutral","sentiment_score":0.27005802567989107},{"text":"We wanna take less risk in the account that you're drawing money out and make sure income is being produced where you're super, you can afford to take a little bit more risk maybe in.","start":920.26,"end":928.33997,"sentiment":"neutral","sentiment_score":0.2087325536778995},{"text":"Does that sound okay?","start":928.33997,"end":929.56,"sentiment":"neutral","sentiment_score":0.07767515443265438},{"text":"Yep.","start":930.33997,"end":930.83997,"sentiment":"neutral","sentiment_score":0.08058732002973557},{"text":"Beautiful.","start":931.77997,"end":932.27997,"sentiment":"positive","sentiment_score":0.5962753295898438}],"sentiment":"neutral","sentiment_score":0.24333517561451748,"num_words":104,"start":900.99,"end":932.27997},{"sentences":[{"text":"Yep.","start":934.215,"end":934.715,"sentiment":"neutral","sentiment_score":0.2465386688709259},{"text":"Yep.","start":937.575,"end":938.075,"sentiment":"neutral","sentiment_score":0.15224689245224},{"text":"Yep.","start":940.375,"end":940.875,"sentiment":"neutral","sentiment_score":0.1173224151134491},{"text":"Yep.","start":943.815,"end":944.215,"sentiment":"neutral","sentiment_score":0.1939709633588791},{"text":"That's okay.","start":944.215,"end":944.85504,"sentiment":"positive","sentiment_score":0.35116928815841675}],"sentiment":"neutral","sentiment_score":0.2354029193520546,"num_words":6,"start":934.215,"end":944.85504},{"sentences":[{"text":"I can include that in the advice.","start":944.85504,"end":946.29504,"sentiment":"positive","sentiment_score":0.42071910415376934},{"text":"It's not a problem at all.","start":946.29504,"end":947.82,"sentiment":"positive","sentiment_score":0.4460555911064148},{"text":"Now do you know with the advice, I do have a little bit of backlog at the moment with with all the advice I am providing for my retiree clients, which is I love.","start":948.3,"end":958.4,"sentiment":"positive","sentiment_score":0.3402503958958037},{"text":"But it would take me about four weeks to complete the research.","start":958.7,"end":961.89496,"sentiment":"neutral","sentiment_score":0.04918013202647368},{"text":"Is that gonna be okay, or do you want this a little bit sooner and I can prioritize it for you a bit more?","start":961.89496,"end":967.495,"sentiment":"neutral","sentiment_score":0.0775635705407088}],"sentiment":"neutral","sentiment_score":0.2366453977526132,"num_words":83,"start":944.85504,"end":967.495},{"sentences":[{"text":"What would you how what's the time frame do you think you'd be comfortable with for this?","start":967.495,"end":971.675,"sentiment":"neutral","sentiment_score":0.019021209000664598},{"text":"Yep.","start":979.35,"end":979.85,"sentiment":"neutral","sentiment_score":0.03474098816514015},{"text":"That's okay.","start":982.79,"end":983.61,"sentiment":"neutral","sentiment_score":0.13586637377738953},{"text":"Yep.","start":985.925,"end":986.325,"sentiment":"neutral","sentiment_score":0.12625502049922943},{"text":"That's 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alright?","start":1017.195,"end":1017.915,"sentiment":"neutral","sentiment_score":0.07839534928401311},{"text":"Yep.","start":1017.915,"end":1018.415,"sentiment":"neutral","sentiment_score":0.10632511228322984},{"text":"Beautiful.","start":1019.995,"end":1020.495,"sentiment":"positive","sentiment_score":0.5841985940933228},{"text":"We just make that as a priority, and we get that done as quickly as possible from wherever I take it from.","start":1025.83,"end":1031.19,"sentiment":"neutral","sentiment_score":0.26631140031597833}],"sentiment":"neutral","sentiment_score":0.21498672777053082,"num_words":33,"start":1015.595,"end":1031.19},{"sentences":[{"text":"It won't take long to withdraw the funds out, and we can allocate funds being drawn out of a specific investment if we need to.","start":1031.19,"end":1037.0299,"sentiment":"neutral","sentiment_score":0.1490453177690506},{"text":"It's not a problem.","start":1037.0299,"end":1038.07,"sentiment":"neutral","sentiment_score":0.19102729856967926},{"text":"Yeah.","start":1038.07,"end":1038.57,"sentiment":"neutral","sentiment_score":0.2055664658546448},{"text":"Yeah.","start":1043.1051,"end":1043.6051,"sentiment":"neutral","sentiment_score":0.0984756350517273},{"text":"Well, what we'll do is with a full refresh is we'll essentially move everything in pension back to super.","start":1050.385,"end":1056.81,"sentiment":"neutral","sentiment_score":0.13652454591111132}],"sentiment":"neutral","sentiment_score":0.14776501223444938,"num_words":50,"start":1031.19,"end":1056.81},{"sentences":[{"text":"We'll withdraw the funds out of the one account to make it easier, and then we'll move some money back into pension.","start":1057.03,"end":1062.89,"sentiment":"neutral","sentiment_score":0.16590186310085384},{"text":"It's generally a pretty quick process to 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a problem at all.","start":1250.005,"end":1251.125,"sentiment":"neutral","sentiment_score":0.2913706570863724},{"text":"I'll get that sorted.","start":1251.125,"end":1252.245,"sentiment":"neutral","sentiment_score":0.2844974398612976},{"text":"I'll prioritize that research for you, and we'll get it done.","start":1252.245,"end":1255.765,"sentiment":"positive","sentiment_score":0.3401233797723597},{"text":"I'll book you in to have it presented.","start":1255.765,"end":1258.1849,"sentiment":"neutral","sentiment_score":0.3078148663043976},{"text":"I know normally mornings suit better for you.","start":1258.245,"end":1261.225,"sentiment":"neutral","sentiment_score":0.13093171268701553}],"sentiment":"neutral","sentiment_score":0.27350480150845313,"num_words":36,"start":1250.005,"end":1261.225},{"sentences":[{"text":"Did you it doesn't matter?","start":1261.39,"end":1263.65,"sentiment":"neutral","sentiment_score":0.08559129312634468},{"text":"That's okay.","start":1264.83,"end":1265.65,"sentiment":"neutral","sentiment_score":0.26122206449508667},{"text":"Did you want to so that when so that week, the March 2 onwards, I don't have any bookings in my calendar that week.","start":1266.4299,"end":1273.79,"sentiment":"neutral","sentiment_score":-0.1477690840450426},{"text":"Did you wanna pick a day that would suit you better that week so far?","start":1273.79,"end":1277.415,"sentiment":"neutral","sentiment_score":0.006837749729553858},{"text":"Ready?","start":1278.915,"end":1279.415,"sentiment":"neutral","sentiment_score":0.0979045033454895}],"sentiment":"neutral","sentiment_score":-0.05096992921638996,"num_words":47,"start":1261.39,"end":1279.415},{"sentences":[{"text":"Yep.","start":1279.715,"end":1280.115,"sentiment":"neutral","sentiment_score":0.10519278049468994},{"text":"That's okay.","start":1280.115,"end":1280.935,"sentiment":"neutral","sentiment_score":0.21446269750595093},{"text":"Not not a problem at all.","start":1281.955,"end":1284.595,"sentiment":"neutral","sentiment_score":0.1855940024058024},{"text":"What if we book it in for that Monday the second?","start":1284.595,"end":1287.235,"sentiment":"neutral","sentiment_score":0.0870463719422167},{"text":"That way we're not holding off too much longer after that.","start":1287.235,"end":1290.135,"sentiment":"neutral","sentiment_score":-0.009742088107900186}],"sentiment":"neutral","sentiment_score":0.08058159071351251,"num_words":31,"start":1279.715,"end":1290.135},{"sentences":[{"text":"And I can put it in for, say, 02:30 Queensland time the same as today.","start":1290.96,"end":1294.96,"sentiment":"neutral","sentiment_score":0.09905876666307449},{"text":"Is that okay?","start":1294.96,"end":1295.78,"sentiment":"neutral","sentiment_score":0.1021161104242007},{"text":"Yep.","start":1296.72,"end":1297.22,"sentiment":"neutral","sentiment_score":0.26880380511283875},{"text":"Perfect.","start":1297.52,"end":1298.02,"sentiment":"positive","sentiment_score":0.7173881530761719},{"text":"I'll pop it in there, and we will have the advice ready to go then for you.","start":1298.16,"end":1302.58,"sentiment":"positive","sentiment_score":0.5500981632400962}],"sentiment":"neutral","sentiment_score":0.3278402855267396,"num_words":37,"start":1290.96,"end":1302.58},{"sentences":[{"text":"Okay.","start":1302.64,"end":1303.14,"sentiment":"neutral","sentiment_score":0.24094900488853457},{"text":"And I'll add a text message reminder to make it easier on you.","start":1303.9249,"end":1307.205,"sentiment":"positive","sentiment_score":0.35256947920872617},{"text":"Okay?","start":1307.205,"end":1307.705,"sentiment":"neutral","sentiment_score":0.2856661379337311},{"text":"Easy.","start":1311.765,"end":1312.265,"sentiment":"neutral","sentiment_score":0.023417621850967407},{"text":"Yeah.","start":1313.845,"end":1314.165,"sentiment":"neutral","sentiment_score":-0.008281242102384567}],"sentiment":"neutral","sentiment_score":0.3014796913108405,"num_words":17,"start":1302.64,"end":1314.165},{"sentences":[{"text":"Of 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okay.","start":1329.375,"end":1330.1951,"sentiment":"neutral","sentiment_score":0.03695105016231537},{"text":"Yeah.","start":1336.655,"end":1337.155,"sentiment":"neutral","sentiment_score":0.02001728862524033}],"sentiment":"neutral","sentiment_score":-0.0005335494255026175,"num_words":6,"start":1324.16,"end":1337.155},{"sentences":[{"text":"Yeah.","start":1342.5901,"end":1343.0701,"sentiment":"neutral","sentiment_score":0.11166113615036012},{"text":"No.","start":1343.0701,"end":1343.31,"sentiment":"neutral","sentiment_score":0.1550813466310501},{"text":"Not a problem at all.","start":1343.31,"end":1344.51,"sentiment":"neutral","sentiment_score":0.2512812614440918},{"text":"All good.","start":1344.51,"end":1345.25,"sentiment":"positive","sentiment_score":0.4968682676553726},{"text":"Now we do have you in that sort of defensive risk profile environment where you sort of have more of those lower risk investments.","start":1345.79,"end":1353.17,"sentiment":"neutral","sentiment_score":0.1421242980286479}],"sentiment":"neutral","sentiment_score":0.1796323781212171,"num_words":33,"start":1342.5901,"end":1353.17},{"sentences":[{"text":"Obviously, we wanna keep you in that sort of environment there when I'm looking at the investment styles.","start":1353.31,"end":1358.995,"sentiment":"neutral","sentiment_score":0.19136633599797884},{"text":"But just a couple of questions just to kind of regage your risk profile just to make sure we do have you invested correctly and that profile still fits you.","start":1359.855,"end":1367.7949,"sentiment":"neutral","sentiment_score":0.1548266607026259},{"text":"If you say saw your super fall by 20% over the next six months, how do you think you might react?","start":1368.41,"end":1374.11,"sentiment":"neutral","sentiment_score":-0.16969775514943258},{"text":"Do you think you'd be putting more money in?","start":1374.41,"end":1376.09,"sentiment":"neutral","sentiment_score":-0.12320272045003043},{"text":"It might be a buying opportunity.","start":1376.09,"end":1377.53,"sentiment":"neutral","sentiment_score":0.10038906460007031}],"sentiment":"neutral","sentiment_score":0.04784822517207691,"num_words":84,"start":1353.31,"end":1377.53},{"sentences":[{"text":"Are you likely to call me and say what's going on, or do you feel like you'd be wanting to cement some losses and move some money around to something safer?","start":1377.53,"end":1385.395,"sentiment":"neutral","sentiment_score":-0.1204311846485061},{"text":"Yep.","start":1388.095,"end":1388.595,"sentiment":"neutral","sentiment_score":0.02104637585580349},{"text":"Yeah.","start":1391.295,"end":1391.795,"sentiment":"neutral","sentiment_score":-0.05569053441286087},{"text":"Yep.","start":1394.015,"end":1394.515,"sentiment":"neutral","sentiment_score":-0.04421297833323479},{"text":"No.","start":1398.11,"end":1398.61,"sentiment":"neutral","sentiment_score":-0.2905251979827881}],"sentiment":"neutral","sentiment_score":-0.11722140168505056,"num_words":35,"start":1377.53,"end":1398.61},{"sentences":[{"text":"Yeah.","start":1399.87,"end":1400.37,"sentiment":"neutral","sentiment_score":-0.03403926640748978},{"text":"Yep.","start":1400.75,"end":1401.25,"sentiment":"neutral","sentiment_score":-0.02200930379331112},{"text":"That's okay.","start":1401.31,"end":1402.2101,"sentiment":"negative","sentiment_score":-0.36035871505737305},{"text":"No.","start":1403.23,"end":1403.47,"sentiment":"neutral","sentiment_score":-0.19434621930122375},{"text":"That's okay.","start":1403.47,"end":1404.37,"sentiment":"neutral","sentiment_score":-0.06543075665831566}],"sentiment":"neutral","sentiment_score":-0.15742481899048602,"num_words":7,"start":1399.87,"end":1404.37},{"sentences":[{"text":"When you were looking at your portfolios over the longer term, what sort of average rate of return would you to receive from on a yearly basis?","start":1405.31,"end":1412.415,"sentiment":"neutral","sentiment_score":0.02901115992830859},{"text":"Do you think you're wanting the highest return you can get each year, maybe 8% and above?","start":1412.415,"end":1416.515,"sentiment":"neutral","sentiment_score":0.09896334830452413},{"text":"Are you comfortable with, say, six to 8%, four to 6%, or just two to 4%?","start":1416.655,"end":1421.375,"sentiment":"neutral","sentiment_score":0.07287898496724665},{"text":"What are you sorta aiming for on a yearly basis, do you think?","start":1421.375,"end":1424.355,"sentiment":"neutral","sentiment_score":0.06389036344794127},{"text":"Yep.","start":1426.9501,"end":1427.4501,"sentiment":"positive","sentiment_score":0.40841609239578247}],"sentiment":"neutral","sentiment_score":0.06582071372886768,"num_words":74,"start":1405.31,"end":1427.4501},{"sentences":[{"text":"Yep.","start":1429.5901,"end":1430.0901,"sentiment":"neutral","sentiment_score":0.3258439898490906},{"text":"Yeah.","start":1431.99,"end":1432.49,"sentiment":"neutral","sentiment_score":0.0841483622789383},{"text":"Perfect.","start":1433.75,"end":1434.25,"sentiment":"positive","sentiment_score":0.37503260374069214},{"text":"Perfect.","start":1434.63,"end":1435.13,"sentiment":"positive","sentiment_score":0.37355318665504456},{"text":"And you sorta went through when you saw that bit of a drop and you know the markets go up and down.","start":1435.91,"end":1440.2649,"sentiment":"neutral","sentiment_score":-0.05902851660820571}],"sentiment":"neutral","sentiment_score":-0.005386508571413847,"num_words":26,"start":1429.5901,"end":1440.2649},{"sentences":[{"text":"You weren't overly concerned with that big drop in the gold over the last few months.","start":1440.2649,"end":1444.6649,"sentiment":"neutral","sentiment_score":-0.17538804188370705},{"text":"But if we did see, like, if Trump made a tweet next year or this year and the and the whole market took a little bit of a dip, do you think that sort of scenario might make you feel worried about your investments, not concerned at all, you know it'll come back, or a little bit anxious?","start":1444.6649,"end":1458.54,"sentiment":"neutral","sentiment_score":-0.20345816106118006},{"text":"How do you think you might feel in that scenario?","start":1458.54,"end":1460.5599,"sentiment":"neutral","sentiment_score":-0.09419602900743484},{"text":"Yep.","start":1464.94,"end":1465.44,"sentiment":"neutral","sentiment_score":-0.005297242663800716},{"text":"Yep.","start":1467.755,"end":1468.255,"sentiment":"neutral","sentiment_score":-0.030427103862166405}],"sentiment":"neutral","sentiment_score":-0.18121472846846595,"num_words":86,"start":1440.2649,"end":1468.255},{"sentences":[{"text":"Yep.","start":1470.235,"end":1470.715,"sentiment":"neutral","sentiment_score":0.06060225889086723},{"text":"Beautiful.","start":1470.715,"end":1471.215,"sentiment":"positive","sentiment_score":0.4343803524971008},{"text":"I like 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probably wouldn't wanna bring you out of that because you are in that retirement phase.","start":1487.71,"end":1491.23,"sentiment":"neutral","sentiment_score":0.0015155985020101062}],"sentiment":"neutral","sentiment_score":0.13741397252306342,"num_words":40,"start":1480.83,"end":1491.23},{"sentences":[{"text":"You still you need your super to be growing, but you also needed to produce income for you moving forward.","start":1491.23,"end":1496.9137,"sentiment":"neutral","sentiment_score":0.11003315672278405},{"text":"So given your time horizon and your risk tolerance there, I would probably keep you in that same sort of risk category, but we can look at maybe adjusting your super and pension.","start":1496.9137,"end":1506.0028,"sentiment":"neutral","sentiment_score":0.058110601184043015},{"text":"So as I said before, in the accumulation, the super side, we have a little bit more risk there trying to attain a bit more growth, but then we have a little bit less risk in the pension, more income producing so you can get those income payments drawn down, and then making sure between the two accounts overarching that you're within that risk profile.","start":1506.0028,"end":1526.025,"sentiment":"neutral","sentiment_score":0.06385546083060595},{"text":"Does that sound okay to you if I play around with that and try to get it working better for you?","start":1526.245,"end":1530.885,"sentiment":"neutral","sentiment_score":0.054416553605170476},{"text":"Perfect.","start":1530.885,"end":1531.385,"sentiment":"neutral","sentiment_score":0.32845640182495117}],"sentiment":"neutral","sentiment_score":0.06957229967894299,"num_words":140,"start":1491.23,"end":1531.385},{"sentences":[{"text":"Excellent.","start":1532.25,"end":1532.75,"sentiment":"positive","sentiment_score":0.5496950149536133},{"text":"And, look, honestly, your pension account has done quite well.","start":1532.89,"end":1535.77,"sentiment":"positive","sentiment_score":0.47855115234851836},{"text":"All the investments in there are up.","start":1535.77,"end":1537.61,"sentiment":"positive","sentiment_score":0.3751782093729292},{"text":"And, overall, when I look at it over the last twelve months there, your pension account itself has made about 7%.","start":1537.61,"end":1546.51,"sentiment":"neutral","sentiment_score":0.25385303724379765},{"text":"So it's still producing enough income that whilst we're drawing down more than what it is making, that income that it's producing is offsetting some of your drawdown.","start":1546.65,"end":1556.225,"sentiment":"neutral","sentiment_score":0.2853245000754084}],"sentiment":"neutral","sentiment_score":0.31763363863105204,"num_words":67,"start":1532.25,"end":1556.225},{"sentences":[{"text":"So that is helping to to make it last a bit longer.","start":1556.2849,"end":1559.4249,"sentiment":"neutral","sentiment_score":0.3018750337262948},{"text":"Okay?","start":1559.565,"end":1560.065,"sentiment":"neutral","sentiment_score":0.14715807139873505},{"text":"Yep.","start":1561.24,"end":1561.74,"sentiment":"neutral","sentiment_score":0.3100880980491638},{"text":"It is doing really well.","start":1562.84,"end":1564.2,"sentiment":"positive","sentiment_score":0.6072413444519043},{"text":"Yeah.","start":1564.2,"end":1564.6,"sentiment":"neutral","sentiment_score":0.04714826121926308}],"sentiment":"positive","sentiment_score":0.3581550778821111,"num_words":20,"start":1556.2849,"end":1564.6},{"sentences":[{"text":"But we'll definitely look at maybe moving that that hybrid investment, and I'll just look at what else we can do to give you a bit more growth growth in the super side for you.","start":1564.6,"end":1573.64,"sentiment":"neutral","sentiment_score":0.22113233315093175},{"text":"Okay?","start":1573.64,"end":1574.14,"sentiment":"neutral","sentiment_score":0.23978030681610107},{"text":"Perfect.","start":1575.445,"end":1575.945,"sentiment":"positive","sentiment_score":0.5823343396186829},{"text":"Excellent.","start":1576.965,"end":1577.445,"sentiment":"positive","sentiment_score":0.5237970352172852},{"text":"I just wanted to also run over those assets just to see if any values have changed while I'm updating the advice for you.","start":1577.445,"end":1584.585,"sentiment":"neutral","sentiment_score":0.1200858320419987}],"sentiment":"neutral","sentiment_score":0.1930258598539137,"num_words":62,"start":1564.6,"end":1584.585},{"sentences":[{"text":"Your main primary residence there, I know house values has still been going up even though, you know, everything else is going up too.","start":1585.445,"end":1593.2799,"sentiment":"neutral","sentiment_score":0.024992131783316534},{"text":"Have you looked at what the value might be or what estimated value you might have on your house at the 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excellent.","start":1616.91,"end":1617.89,"sentiment":"neutral","sentiment_score":0.19312948733568192},{"text":"And mortgage wise, we had just under 200,000.","start":1618.43,"end":1621.55,"sentiment":"neutral","sentiment_score":0.01852106989827007}],"sentiment":"neutral","sentiment_score":0.09866826149768063,"num_words":14,"start":1614.91,"end":1621.55},{"sentences":[{"text":"We had it noted last year about a 199,000 owing there.","start":1621.55,"end":1625.15,"sentiment":"neutral","sentiment_score":-0.008874830197204243},{"text":"Is there a bit less on that now, or is that kind of gone up with the changes on the fixed rate dropping off?","start":1625.15,"end":1630.635,"sentiment":"neutral","sentiment_score":-0.07735012285411358},{"text":"Yeah.","start":1634.615,"end":1635.115,"sentiment":"neutral","sentiment_score":-0.0066792103461921215},{"text":"Yep.","start":1637.8949,"end":1638.3949,"sentiment":"neutral","sentiment_score":0.030334582552313805},{"text":"Perfect.","start":1638.5349,"end":1639.0349,"sentiment":"neutral","sentiment_score":0.24247679114341736}],"sentiment":"neutral","sentiment_score":-0.04441826098206404,"num_words":38,"start":1621.55,"end":1639.0349},{"sentences":[{"text":"Excellent.","start":1639.4149,"end":1639.9149,"sentiment":"neutral","sentiment_score":0.22779342532157895},{"text":"The the m u x, we had a value of that of about 90,000 because you'd not sort of long sorry.","start":1641.23,"end":1647.3099,"sentiment":"neutral","sentiment_score":0.013768281344146956},{"text":"Purchased it.","start":1647.3099,"end":1648.2699,"sentiment":"neutral","sentiment_score":-0.022316347807645798},{"text":"What sort of value would you put on that now, do you think?","start":1648.2699,"end":1650.85,"sentiment":"neutral","sentiment_score":-0.036898765999537245},{"text":"Yep.","start":1661.6449,"end":1661.885,"sentiment":"neutral","sentiment_score":-0.004247960634529591}],"sentiment":"neutral","sentiment_score":-0.0003062442288194832,"num_words":38,"start":1639.4149,"end":1661.885},{"sentences":[{"text":"Okay.","start":1661.885,"end":1662.385,"sentiment":"neutral","sentiment_score":0.003436706028878689},{"text":"Yeah.","start":1662.845,"end":1663.245,"sentiment":"neutral","sentiment_score":0.01089155115187168},{"text":"Wow.","start":1663.245,"end":1663.745,"sentiment":"neutral","sentiment_score":0.08532935380935669},{"text":"That's fantastic.","start":1663.885,"end":1664.705,"sentiment":"neutral","sentiment_score":0.25990984961390495},{"text":"Excellent.","start":1665.54,"end":1666.04,"sentiment":"neutral","sentiment_score":0.2760131359100342}],"sentiment":"neutral","sentiment_score":0.14924840768799186,"num_words":6,"start":1661.885,"end":1666.04},{"sentences":[{"text":"And home and contents insurance, the value of your contents there was about 80,000.","start":1666.9801,"end":1671.4601,"sentiment":"neutral","sentiment_score":0.04380684691880431},{"text":"Would you alter that, or you think it's still the same?","start":1671.4601,"end":1673.9601,"sentiment":"neutral","sentiment_score":-0.022409732199528},{"text":"Yep.","start":1674.1001,"end":1674.6001,"sentiment":"neutral","sentiment_score":-0.00844697467982769},{"text":"Yep.","start":1676.42,"end":1676.8201,"sentiment":"neutral","sentiment_score":0.07442767918109894},{"text":"That's okay.","start":1676.8201,"end":1677.7201,"sentiment":"neutral","sentiment_score":0.06989838927984238}],"sentiment":"neutral","sentiment_score":0.01974366502515201,"num_words":29,"start":1666.9801,"end":1677.7201},{"sentences":[{"text":"Not an issue at all.","start":1678.155,"end":1679.775,"sentiment":"neutral","sentiment_score":-0.020572339370846748},{"text":"Since you came on board with us, have you spoken to the solicitor and updated your will at all or power of attorneys or anything like that?","start":1680.635,"end":1687.755,"sentiment":"neutral","sentiment_score":0.010656361554369883},{"text":"Yep.","start":1687.755,"end":1688.255,"sentiment":"neutral","sentiment_score":0.045891743153333664},{"text":"Beautiful.","start":1689.915,"end":1690.415,"sentiment":"positive","sentiment_score":0.6247458457946777},{"text":"All updated.","start":1690.635,"end":1691.295,"sentiment":"positive","sentiment_score":0.45558659732341766}],"sentiment":"neutral","sentiment_score":0.04907419024190555,"num_words":36,"start":1678.155,"end":1691.295},{"sentences":[{"text":"Excellent.","start":1691.96,"end":1692.36,"sentiment":"positive","sentiment_score":0.5307013988494873},{"text":"And I'm just double checking that we have everything on our end done with beneficiaries as well.","start":1692.36,"end":1697.66,"sentiment":"neutral","sentiment_score":0.18471968261634603},{"text":"So we have down here a beneficiary on super.","start":1698.6,"end":1702.46,"sentiment":"neutral","sentiment_score":0.06004292103979322},{"text":"We have it binding non lapsing to Dylan for a 100%.","start":1702.52,"end":1708.145,"sentiment":"neutral","sentiment_score":0.07726461778987538},{"text":"And I'll just double check this one as well, making sure that everything is correct.","start":1708.605,"end":1715.1849,"sentiment":"neutral","sentiment_score":0.09444090972344081}],"sentiment":"neutral","sentiment_score":0.1222235232872783,"num_words":53,"start":1691.96,"end":1715.1849},{"sentences":[{"text":"And beneficiary for the pension account, again, is a 100% to Dylan.","start":1717.1649,"end":1721.72,"sentiment":"neutral","sentiment_score":0.06593947640309732},{"text":"So you're happy with how those are structured?","start":1721.72,"end":1723.5801,"sentiment":"neutral","sentiment_score":0.24156189896166325},{"text":"Yep.","start":1723.72,"end":1724.22,"sentiment":"neutral","sentiment_score":0.138701930642128},{"text":"Beautiful.","start":1725.48,"end":1725.98,"sentiment":"positive","sentiment_score":0.6004321575164795},{"text":"Excellent.","start":1726.28,"end":1726.78,"sentiment":"positive","sentiment_score":0.5249519944190979}],"sentiment":"neutral","sentiment_score":0.1733849996133991,"num_words":23,"start":1717.1649,"end":1726.78},{"sentences":[{"text":"Is there anything else that you might have purchased that might you might wanna note down as an asset for value?","start":1727.16,"end":1732.14,"sentiment":"neutral","sentiment_score":0.09816479700661841},{"text":"Or No.","start":1732.2001,"end":1735.345,"sentiment":"neutral","sentiment_score":-0.02729128673672676},{"text":"No.","start":1737.005,"end":1737.245,"sentiment":"neutral","sentiment_score":-0.06770400702953339},{"text":"It's okay.","start":1737.245,"end":1738.065,"sentiment":"neutral","sentiment_score":-0.031120614148676395},{"text":"Yep.","start":1742.445,"end":1742.945,"sentiment":"neutral","sentiment_score":0.01625955104827881}],"sentiment":"neutral","sentiment_score":0.07011823997729355,"num_words":27,"start":1727.16,"end":1742.945},{"sentences":[{"text":"Yep.","start":1744.365,"end":1744.865,"sentiment":"neutral","sentiment_score":0.016481146216392517},{"text":"Yep.","start":1746.14,"end":1746.64,"sentiment":"neutral","sentiment_score":0.009267210960388184},{"text":"Yep.","start":1755.1,"end":1755.6,"sentiment":"neutral","sentiment_score":0.08620445430278778},{"text":"No.","start":1755.6599,"end":1755.82,"sentiment":"neutral","sentiment_score":0.013746971264481544},{"text":"That's okay.","start":1755.82,"end":1756.64,"sentiment":"neutral","sentiment_score":0.0581577830016613}],"sentiment":"neutral","sentiment_score":0.040335891457895436,"num_words":6,"start":1744.365,"end":1756.64},{"sentences":[{"text":"Not a problem.","start":1756.7,"end":1757.5199,"sentiment":"neutral","sentiment_score":0.13084683815638223},{"text":"And do you have any other goals that you're wanting to achieve over the next one to two to three to five years at all, or is it just sort of helping out Dylan at the moment and and enjoying your life?","start":1757.6599,"end":1767.625,"sentiment":"neutral","sentiment_score":0.12046988206427722},{"text":"Yeah.","start":1769.685,"end":1770.185,"sentiment":"neutral","sentiment_score":0.10910864919424056},{"text":"Yep.","start":1771.3651,"end":1771.8651,"sentiment":"neutral","sentiment_score":0.07259157299995422},{"text":"Yep.","start":1774.98,"end":1775.48,"sentiment":"neutral","sentiment_score":0.04375665634870529}],"sentiment":"neutral","sentiment_score":0.11828609249399354,"num_words":48,"start":1756.7,"end":1775.48},{"sentences":[{"text":"Yeah.","start":1781.1399,"end":1781.6399,"sentiment":"neutral","sentiment_score":0.011755578219890594},{"text":"Absolutely.","start":1784.82,"end":1785.32,"sentiment":"neutral","sentiment_score":0.26354146003723145},{"text":"Yeah.","start":1786.1799,"end":1786.6799,"sentiment":"positive","sentiment_score":0.33695363998413086},{"text":"Yeah.","start":1789.8551,"end":1790.3551,"sentiment":"neutral","sentiment_score":0.2380339801311493},{"text":"Abs and you like to log in and have a look and see where the money's invested in all the individual investments there, don't you?","start":1790.8151,"end":1796.895,"sentiment":"neutral","sentiment_score":0.052257000282406804}],"sentiment":"neutral","sentiment_score":0.07436929880801973,"num_words":29,"start":1781.1399,"end":1796.895},{"sentences":[{"text":"Yeah.","start":1796.895,"end":1797.395,"sentiment":"neutral","sentiment_score":0.07460242509841919},{"text":"Perfect.","start":1797.6951,"end":1798.1951,"sentiment":"positive","sentiment_score":0.4570636749267578},{"text":"Good.","start":1800.55,"end":1800.7101,"sentiment":"positive","sentiment_score":0.4845297932624817},{"text":"Oh, that's really good.","start":1800.7101,"end":1801.9901,"sentiment":"positive","sentiment_score":0.4918171316385269},{"text":"See, I love this sort of thing when people like to look at their super and see it moving and growing and understand it.","start":1801.9901,"end":1806.79,"sentiment":"positive","sentiment_score":0.4653806208322446}],"sentiment":"positive","sentiment_score":0.45653546192953665,"num_words":31,"start":1796.895,"end":1806.79},{"sentences":[{"text":"It's it's it's good.","start":1806.79,"end":1808.4901,"sentiment":"positive","sentiment_score":0.4498511329293251},{"text":"Fantastic.","start":1809.51,"end":1810.01,"sentiment":"positive","sentiment_score":0.5990504026412964},{"text":"Yeah.","start":1813.9249,"end":1814.4249,"sentiment":"neutral","sentiment_score":0.12713749706745148},{"text":"Beautiful.","start":1815.2849,"end":1815.7849,"sentiment":"neutral","sentiment_score":0.3190476596355438},{"text":"Yeah.","start":1824.4199,"end":1824.9199,"sentiment":"neutral","sentiment_score":-0.013920710422098637}],"sentiment":"positive","sentiment_score":0.3538399225799367,"num_words":8,"start":1806.79,"end":1824.9199},{"sentences":[{"text":"Oh, no.","start":1826.6599,"end":1827.5599,"sentiment":"neutral","sentiment_score":-0.001230570487678051},{"text":"Absolutely.","start":1828.58,"end":1829.08,"sentiment":"neutral","sentiment_score":0.06357531249523163},{"text":"No.","start":1829.7,"end":1830.1,"sentiment":"neutral","sentiment_score":0.004890840500593185},{"text":"Honestly, look, you're doing really well so far.","start":1830.1,"end":1832.1,"sentiment":"neutral","sentiment_score":0.21188052906654775},{"text":"I just wanna make sure it continues to work for you.","start":1832.1,"end":1834.6599,"sentiment":"neutral","sentiment_score":0.18321635777300055}],"sentiment":"neutral","sentiment_score":0.16419257304590681,"num_words":23,"start":1826.6599,"end":1834.6599},{"sentences":[{"text":"And it's important to note that we are updating investments on a regular basis too because what works now or what was working last year may not be working in the future.","start":1834.6599,"end":1842.975,"sentiment":"neutral","sentiment_score":-0.0013605310814455152},{"text":"And it's good to try and get out that those bank hybrids now whilst we can before the government forces us to down the track.","start":1843.195,"end":1850.235,"sentiment":"neutral","sentiment_score":0.045503633245825764},{"text":"So we'll find something better, and I'll make sure whatever's working gonna limit CGT consequences inside Super.","start":1850.235,"end":1856.4601,"sentiment":"neutral","sentiment_score":0.05989440399057725},{"text":"And, yeah, I'll show you.","start":1857.0801,"end":1858.2001,"sentiment":"neutral","sentiment_score":0.10555643141269684},{"text":"We'll organize that withdrawal for you as well.","start":1858.2001,"end":1860.4401,"sentiment":"neutral","sentiment_score":0.120969133451581}],"sentiment":"neutral","sentiment_score":0.0414688957362682,"num_words":87,"start":1834.6599,"end":1860.4401},{"sentences":[{"text":"Okay?","start":1860.4401,"end":1860.9401,"sentiment":"neutral","sentiment_score":0.07339595258235931},{"text":"Lovely.","start":1862.2001,"end":1862.7001,"sentiment":"positive","sentiment_score":0.4534499943256378},{"text":"Thank you so much for your time.","start":1862.92,"end":1864.2001,"sentiment":"positive","sentiment_score":0.6060133150645665},{"text":"It's always a pleasure, Julie.","start":1864.2001,"end":1865.64,"sentiment":"positive","sentiment_score":0.5796712517738343},{"text":"I love chatting to you.","start":1865.64,"end":1867.02,"sentiment":"positive","sentiment_score":0.4586097300052643}],"sentiment":"positive","sentiment_score":0.5242286348029187,"num_words":19,"start":1860.4401,"end":1867.02},{"sentences":[{"text":"Thank you.","start":1869.8151,"end":1870.6951,"sentiment":"neutral","sentiment_score":0.3266904503107071},{"text":"I'll get stuck into the research for you.","start":1870.6951,"end":1872.775,"sentiment":"neutral","sentiment_score":0.14508342184126377},{"text":"I've got you booked in there for the March 2.","start":1872.775,"end":1875.735,"sentiment":"neutral","sentiment_score":0.06713436879217624},{"text":"Sorry to go through the advice document.","start":1875.735,"end":1877.515,"sentiment":"neutral","sentiment_score":0.005844469049147197},{"text":"And then if there's anything that comes up in the meantime, you know where I am, let me know, and I can always adjust things around.","start":1878.2151,"end":1883.735,"sentiment":"neutral","sentiment_score":0.012698253853998791}],"sentiment":"neutral","sentiment_score":0.05389543107209973,"num_words":53,"start":1869.8151,"end":1883.735},{"sentences":[{"text":"Okay?","start":1883.735,"end":1884.235,"sentiment":"neutral","sentiment_score":0.03688723593950272},{"text":"Beautiful.","start":1886.67,"end":1887.17,"sentiment":"positive","sentiment_score":0.7580602169036865},{"text":"Thank you so much for your time.","start":1887.47,"end":1888.67,"sentiment":"positive","sentiment_score":0.8442193440028599},{"text":"I'll let you go.","start":1888.67,"end":1889.39,"sentiment":"positive","sentiment_score":0.7117987126111984},{"text":"You have a good afternoon.","start":1889.39,"end":1890.61,"sentiment":"positive","sentiment_score":0.6900774240493774}],"sentiment":"positive","sentiment_score":0.7223369350863827,"num_words":18,"start":1883.735,"end":1890.61},{"sentences":[{"text":"Stay cool.","start":1890.75,"end":1891.5701,"sentiment":"positive","sentiment_score":0.49730879068374634},{"text":"Thanks, Julie.","start":1894.1901,"end":1895.09,"sentiment":"positive","sentiment_score":0.41570737957954407},{"text":"See you later.","start":1895.15,"end":1895.89,"sentiment":"neutral","sentiment_score":0.30264859398206073},{"text":"Bye.","start":1895.95,"end":1896.45,"sentiment":"neutral","sentiment_score":0.16814902424812317}],"sentiment":"positive","sentiment_score":0.3627658933401108,"num_words":8,"start":1890.75,"end":1896.45}]}}]},{"alternatives":[{"transcript":"Hi, Donna. Yeah. I'm good. How are you? Hey. Yeah. Yeah. Sure. I'm sick. Oh, it's lovely. And, yes, it is hot. It's filthy. Gosh. Yeah. It's really bad today. Yeah. The humidity didn't let up yesterday. It was 91, and that was about from 05:00 in the morning all the way through. It was just hard. And I think it got to 33 with 91 humidity. So, yeah, it was bad. Yeah. And today's not much better. Oh, you're alright. Yep. Yeah. Yeah. Sure. I will. Yeah. Yep. Julie Ruth, 05/09/1964, 152 Pacific Drive, Barra. Yep. Yep. Yep. Yes. Okay. Yep. Yep. Yeah. I looked at that. Yep. Yes. Yes. Yeah. Yeah. Yep. Okay. Yeah. Yeah. Yeah. Yeah. Whatever you wanna do with it, Dana. I I I I'm fine with that as long as it's making me money. Yeah. Just I I was having a bit of a read about Copper and and a few of the other ones that are coming through at the moment, and I just, yeah, I I don't know. Whatever you think is looking really, really good at the moment or you think is gonna make some money fairly quickly or you know? Yeah. Yep. Yep. Yep. Yep. Yep. So where's things going at the moment, Dana? Is it still looking quite good? Like, yeah, money's still like, the stocks are still doing quite well? Yep. Yep. Yep. Yep. Yep. Thank you. Yep. Yep. Yeah. No. Just yeah. Do that. Yeah. Yeah. Yeah. Do that. Is this not yep. No point. You did mention that I was pretty much at the top of how much I could buy in gold. Did you happen to have time to look at that? Is you said there was a limit on how much I could actually purchase. Right. Mhmm. Yeah. Yeah. Just anything that you think, Diana, that is coming along quite well and, yeah, you could recommend, that'd be great. And you did suggest maybe we need to that thousand dollars or close to a thousand dollars that comes in on the tenth and the twenty fourth. You were saying something about increasing that. Yep. Yeah. No. I think I'm I'm actually happy with that. I I don't require anymore, to be honest. Yeah. I think we can just leave that. And the other thing I was gonna ask you, I had a look yesterday just to see how much was left in cash because I know we took the pool money out for the cash. Now in saying that, I've had a chat to Dylan. He had his review with you just before Christmas, and he sort of he he's really happy with where that's going. He was insanely stoked. But I I'd like to help Dylan out in the next couple of weeks just with he's had the solar put on and, yeah, he's sort of struggling at the moment. They're trying to do a renovation and a few other bits and bobs. And I said to him, look. I'll have a chat to Dana and just see what she thinks. But, yeah, I'm looking at lending him probably $20,000 to try and get the battery backup system on his solar so he no longer has to have electricity bill in the next couple of weeks. Okay. Right. Yeah. Yeah. Okay. Yeah. I know he wants to sort of do it fairly soon. Right. So okay. So hang on. Yep. That's what I'm thinking. Yep. Yeah. Yeah. Yeah. And that's what I'm thinking. Maybe maybe I can do that. I can just if it goes into my account and I just go down to the bank and take a check out, that that way it's like, they don't know what I've used it for, basically. Yeah. Yeah. Yeah. Well, I've got yeah. That yeah. That might be a way that we can actually do that because I've had to spend money on on the umbrella for the pool, which was five, the hut, which was five, so that's 10. The fencing again and all the decking, there was another 10,000 that I wasn't anticipating. So there's 20, you know, that I can basically I've got receipts for. So we could do that. No. No. I'm not gonna no. No. I'm not gonna alert them, but, yeah, I'd sorta like to get this done for him as quick as I can only because I know his mortgage repayments like his he rang me the other day and he said, I don't even know where to begin. He goes, I'm on a variable and obviously it's gone up. And I said to him, yeah. I know. So and and saying that, so if my house payment's gone up, so I came off 2.2% and went to 4.99. So, yeah, what I was paying in yeah. It does. It's made it's made a huge difference, really. Yeah. What I was paying in house payments now, I'm paying just in interest alone. Oh, okay. So there's not that much coming off the principal at the moment. But, yeah, in saying that, I just said to him, look. I'll have a chat today, and I'll just see what we can do about getting you that 20. And, yeah, I don't know where we take it from, Dana, whether I know there's 15,000 cash sitting there. Do we leave that there? What where would we take it from? Yep. Yeah. Which is not a lie, really. I just need to, you know yeah. I've spent it. Yep. Yeah. Yeah. No. That's fine. I think yeah. We we might do it that way. So that way, like I said, the money just comes straight into my account. And, basically, I'll just go down and withdraw a check straight away and give him the check, and he can then just put it in his bank. Yes. Look, Dana. Yeah. And I know that he sorta got this guy sitting on hold for about two or three weeks. So, yeah, it's just yeah. It's probably two or three weeks down the track. I I'm actually I'm actually driving to Newcastle next Wednesday, and I'll have another chat to him about it. But, yeah, he's had him out for a second quote, and he's got him down to 20, which is not too bad because mine were 26,000. So, you know and I'm yeah. Yeah. No. That's fine. Yeah. Yeah. That's fine. And then how long would it take for Hub to do the drawdown or wherever we take it from? Yep. Well, in that time frame, hopefully, you know, it makes a bit more money, which is good. Do we do we leave that 15,000 sitting in the cash fund or, like, would you leave that there, do you think? Yep. Yes. No. Yeah. Yep. Yep. Yeah. Do yeah. Do that. Yeah. Do that. Yep. And, yeah, and we won't touch the gold, obviously. No. Yeah. So whatever's coming through, like I said, Dan, I'll leave it up to you. You've got more of a an an idea and a handle on it, obviously, on what's making money out there. But, yeah, just I know I mean, it it came back really well. I I watched it, and it got right up to 757,000, and then last week, 20,000 just got stripped straight off of it. You know? And I'm like, oh my god. What is happening? Yeah. Yeah. Yeah. Look at put that. It hasn't taken me long to put the money back in for the pool. Like, I've been watching it go back in, and I'm thinking, you know, that's that's not too bad considering. And that's what I said to do. And he goes, oh, mom, you know yeah. He he said, I don't like to ask. And I said, well, at the end of the day, I'm not gonna ask him for it back, Dana. You know? I'm I'm I'm giving it to him. You know? So, I mean, I I helped him out last year, the year before, and I just think they've had a bit of a rough trot lately, and they lost a baby just before Christmas. So, yeah, it was pretty horrific. And then they turned up here for Christmas, and and it was lovely. But, yeah, I just think, oh, if I can make their life a bit easier, like, seriously, I I don't want anything. I don't need anything. You know? So I just thought if I can take take the electricity bill away for him. You know? And I thought he's an electrician. He can do all the wiring and everything himself. It's just the batteries that he needs. So but but I thought, you know, like, I know that it's actually I don't have electricity bill anymore, which is pretty amazing, I have to say, which which is pretty nice. And I said to him, look, if we can take out that bill out of the equation, that would be amazing. So, yeah, that's all I wanna do for him. It doesn't matter, Dana. I'm fine. Whatever suits you. No. Doesn't matter. No. I I'm fine. Yeah. Whatever suits you. Morning, afternoon, whatever day. Yep. Yeah. No. You're right. Yeah. Yeah. Yeah. That's fine. Yep. Yep. Okay. Sounds good. It's all good. No. I just needed to ask a question and, like yeah. But you know what? It's yeah. I can't take it with me. The end of the end of the day. Yeah. It's just it is what it is. You know? Like yeah. You you just do what you can do for your kids, I guess. But yeah. But, anyway, that's that's where I'm at at the moment. But, yeah, everything else will just leave entirely up to you. Just move it around. Do whatever you need to do with it. Yes. Yes. Just moved some money around, Dana. Look. Do you know what? I've watched it go up. I've watched it come down. You know what? It usually comes back at some point. Like I said, the other day, 20,000 went missing. Was I stressed? No. Because I I know it comes back. You know? Yeah. It's it's not a huge deal. Yeah. No. I'd like to keep it up around that 8%. Like, I was happy with what what I got last year, but, yeah, if we can even achieve more, happy days. I mean, yeah. Yeah. The more, the better. No. Yep. I I think, you know, I'll probably feel a bit worried about it, but to the point that I know it will come back, like, yeah, I'm I'm not worried that I'm gonna lose it all. I think it you know? Yeah. I've I've watched it for nearly two or three years or so. Now I know it comes up and down, up and down. It's not it's not huge. Yep. Yep. Absolutely. Uh-huh. Yep. Yeah. Yep. Yep. Sounds good. Yep. Yep. Okay. So it's still doing quite nicely. Sounds good. Okay. Alright. Yeah. Oh, I don't know, Dana. It's obviously putting the pool in and the solar. I mean, I don't know. Last time I had the real estate out, you know, like, it was there's still a bit of work to be done to finish it off. But, yeah, they were saying 1.5 to 1.6. So yeah. Yeah. Yeah. Yeah. No. No. Sitting at one I had a look at that this morning. I think it's $1.95. At at the moment, $1.94, nearly $1.95. So yeah. Yep. I reckon probably still 75. I mean, it's done nothing. Absolutely nothing. It's been nowhere. It's only got the 34,000 on the clock after two years. So yeah. Yeah. Yeah. Yeah. Oh, no. That's still roughly the same. Yeah. Yeah. Yeah. Yeah. I have. I've done. Yep. Yeah. I've done all that. Yep. Yep. Yep. That's right. Yep. Yep. Yep. Yep. Absolutely. Yep. No. I don't think so, Dana. Yeah. No. Not really. Anything that I've basically taken out, it's just gone straight back into the house, like the pool and the backup. And I I brought some water tanks, some new water tanks for the house. So, yeah, there was another, I don't know, $5,000. So but, yeah, that's pretty much it, really. Yep. Pretty much. I just wanna see that grow as much as possible. Once once I've helped Dylan with his money, that's pretty much it for me then. You know, this has sort of come out of left field, but I said to him, I'll do what I can to help him with this one. But after that, you know, like, I I don't really I just wanna see that grow, grow, grow, grow, grow, grow. You know what? Nothing would make me happier than to see it absolutely skyrocket every single month. Oh, I do. Yep. Yep. I sure do. I I like to follow it every day. Yep. Yeah. Yeah. Well, I do I follow the ASX every day, and I've got it downloaded on my phone. So I watch the goals every day. And then, you know, I'll look and go, it's been a shit day today, and then I'll hop on. I'll have a look at it up and go, okay. It's definitely not good today. But yeah. Yeah. It's nice to see when it goes up. Yep. Yep. Yep. Yeah. Let's get rid of those. Yep. Yep. Yep. Yep. Yep. Okay. Sounds good. Yeah. I'm just always chatting to you too. Alright. Yeah. Yep. Yep. Nope. It sounds good, Jana. That's perfect. You too. Yeah. You too's on. Okay. Talk soon. Bye. 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Donna. Yeah. I'm good. How are you? Hey.\n\nYeah. Yeah. Sure. I'm sick. Oh, it's lovely.\n\nAnd, yes, it is hot. It's filthy. Gosh. Yeah. It's really bad today.\n\nYeah. The humidity didn't let up yesterday. It was 91, and that was about from 05:00 in the morning all the way through. It was just hard. And I think it got to 33 with 91 humidity.\n\nSo, yeah, it was bad. Yeah. And today's not much better. Oh, you're alright. Yep.\n\nYeah. Yeah. Sure. I will. Yeah.\n\nYep. Julie Ruth, 05/09/1964, 152 Pacific Drive, Barra. Yep. Yep. Yep.\n\nYes. Okay. Yep. Yep. Yeah.\n\nI looked at that. Yep. Yes. Yes. Yeah.\n\nYeah. Yep. Okay. Yeah. Yeah.\n\nYeah. Yeah. Whatever you wanna do with it, Dana. I I I I'm fine with that as long as it's making me money. Yeah.\n\nJust I I was having a bit of a read about Copper and and a few of the other ones that are coming through at the moment, and I just, yeah, I I don't know. Whatever you think is looking really, really good at the moment or you think is gonna make some money fairly quickly or you know? Yeah. Yep. Yep.\n\nYep. Yep. Yep. So where's things going at the moment, Dana? Is it still looking quite good?\n\nLike, yeah, money's still like, the stocks are still doing quite well? Yep. Yep. Yep. Yep.\n\nYep. Thank you. Yep. Yep. Yeah.\n\nNo. Just yeah. Do that. Yeah. Yeah.\n\nYeah. Do that. Is this not yep. No point. You did mention that I was pretty much at the top of how much I could buy in gold.\n\nDid you happen to have time to look at that? Is you said there was a limit on how much I could actually purchase. Right. Mhmm. Yeah.\n\nYeah. Just anything that you think, Diana, that is coming along quite well and, yeah, you could recommend, that'd be great. And you did suggest maybe we need to that thousand dollars or close to a thousand dollars that comes in on the tenth and the twenty fourth. You were saying something about increasing that. Yep.\n\nYeah. No. I think I'm I'm actually happy with that. I I don't require anymore, to be honest. Yeah.\n\nI think we can just leave that. And the other thing I was gonna ask you, I had a look yesterday just to see how much was left in cash because I know we took the pool money out for the cash. Now in saying that, I've had a chat to Dylan. He had his review with you just before Christmas, and he sort of he he's really happy with where that's going. He was insanely stoked.\n\nBut I I'd like to help Dylan out in the next couple of weeks just with he's had the solar put on and, yeah, he's sort of struggling at the moment. They're trying to do a renovation and a few other bits and bobs. And I said to him, look. I'll have a chat to Dana and just see what she thinks. But, yeah, I'm looking at lending him probably $20,000 to try and get the battery backup system on his solar so he no longer has to have electricity bill in the next couple of weeks.\n\nOkay. Right. Yeah. Yeah. Okay.\n\nYeah. I know he wants to sort of do it fairly soon. Right. So okay. So hang on.\n\nYep. That's what I'm thinking. Yep. Yeah. Yeah.\n\nYeah. And that's what I'm thinking. Maybe maybe I can do that. I can just if it goes into my account and I just go down to the bank and take a check out, that that way it's like, they don't know what I've used it for, basically. Yeah.\n\nYeah. Yeah. Well, I've got yeah. That yeah. That might be a way that we can actually do that because I've had to spend money on on the umbrella for the pool, which was five, the hut, which was five, so that's 10.\n\nThe fencing again and all the decking, there was another 10,000 that I wasn't anticipating. So there's 20, you know, that I can basically I've got receipts for. So we could do that. No. No.\n\nI'm not gonna no. No. I'm not gonna alert them, but, yeah, I'd sorta like to get this done for him as quick as I can only because I know his mortgage repayments like his he rang me the other day and he said, I don't even know where to begin. He goes, I'm on a variable and obviously it's gone up. And I said to him, yeah.\n\nI know. So and and saying that, so if my house payment's gone up, so I came off 2.2% and went to 4.99. So, yeah, what I was paying in yeah. It does. It's made it's made a huge difference, really.\n\nYeah. What I was paying in house payments now, I'm paying just in interest alone. Oh, okay. So there's not that much coming off the principal at the moment. But, yeah, in saying that, I just said to him, look.\n\nI'll have a chat today, and I'll just see what we can do about getting you that 20. And, yeah, I don't know where we take it from, Dana, whether I know there's 15,000 cash sitting there. Do we leave that there? What where would we take it from? Yep.\n\nYeah. Which is not a lie, really. I just need to, you know yeah. I've spent it. Yep.\n\nYeah. Yeah. No. That's fine. I think yeah.\n\nWe we might do it that way. So that way, like I said, the money just comes straight into my account. And, basically, I'll just go down and withdraw a check straight away and give him the check, and he can then just put it in his bank. Yes. Look, Dana.\n\nYeah. And I know that he sorta got this guy sitting on hold for about two or three weeks. So, yeah, it's just yeah. It's probably two or three weeks down the track. I I'm actually I'm actually driving to Newcastle next Wednesday, and I'll have another chat to him about it.\n\nBut, yeah, he's had him out for a second quote, and he's got him down to 20, which is not too bad because mine were 26,000. So, you know and I'm yeah. Yeah. No. That's fine.\n\nYeah. Yeah. That's fine. And then how long would it take for Hub to do the drawdown or wherever we take it from? Yep.\n\nWell, in that time frame, hopefully, you know, it makes a bit more money, which is good. Do we do we leave that 15,000 sitting in the cash fund or, like, would you leave that there, do you think? Yep. Yes. No.\n\nYeah. Yep. Yep. Yeah. Do yeah.\n\nDo that. Yeah. Do that. Yep. And, yeah, and we won't touch the gold, obviously.\n\nNo. Yeah. So whatever's coming through, like I said, Dan, I'll leave it up to you. You've got more of a an an idea and a handle on it, obviously, on what's making money out there. But, yeah, just I know I mean, it it came back really well.\n\nI I watched it, and it got right up to 757,000, and then last week, 20,000 just got stripped straight off of it. You know? And I'm like, oh my god. What is happening? Yeah.\n\nYeah. Yeah. Look at put that. It hasn't taken me long to put the money back in for the pool. Like, I've been watching it go back in, and I'm thinking, you know, that's that's not too bad considering.\n\nAnd that's what I said to do. And he goes, oh, mom, you know yeah. He he said, I don't like to ask. And I said, well, at the end of the day, I'm not gonna ask him for it back, Dana. You know?\n\nI'm I'm I'm giving it to him. You know? So, I mean, I I helped him out last year, the year before, and I just think they've had a bit of a rough trot lately, and they lost a baby just before Christmas. So, yeah, it was pretty horrific. And then they turned up here for Christmas, and and it was lovely.\n\nBut, yeah, I just think, oh, if I can make their life a bit easier, like, seriously, I I don't want anything. I don't need anything. You know? So I just thought if I can take take the electricity bill away for him. You know?\n\nAnd I thought he's an electrician. He can do all the wiring and everything himself. It's just the batteries that he needs. So but but I thought, you know, like, I know that it's actually I don't have electricity bill anymore, which is pretty amazing, I have to say, which which is pretty nice. And I said to him, look, if we can take out that bill out of the equation, that would be amazing.\n\nSo, yeah, that's all I wanna do for him. It doesn't matter, Dana. I'm fine. Whatever suits you. No.\n\nDoesn't matter. No. I I'm fine. Yeah. Whatever suits you.\n\nMorning, afternoon, whatever day. Yep. Yeah. No. You're right.\n\nYeah. Yeah. Yeah. That's fine. Yep.\n\nYep. Okay. Sounds good. It's all good. No.\n\nI just needed to ask a question and, like yeah. But you know what? It's yeah. I can't take it with me. The end of the end of the day.\n\nYeah. It's just it is what it is. You know? Like yeah. You you just do what you can do for your kids, I guess.\n\nBut yeah. But, anyway, that's that's where I'm at at the moment. But, yeah, everything else will just leave entirely up to you. Just move it around. Do whatever you need to do with it.\n\nYes. Yes. Just moved some money around, Dana. Look. Do you know what?\n\nI've watched it go up. I've watched it come down. You know what? It usually comes back at some point. Like I said, the other day, 20,000 went missing.\n\nWas I stressed? No. Because I I know it comes back. You know? Yeah.\n\nIt's it's not a huge deal. Yeah. No. I'd like to keep it up around that 8%. Like, I was happy with what what I got last year, but, yeah, if we can even achieve more, happy days.\n\nI mean, yeah. Yeah. The more, the better. No. Yep.\n\nI I think, you know, I'll probably feel a bit worried about it, but to the point that I know it will come back, like, yeah, I'm I'm not worried that I'm gonna lose it all. I think it you know? Yeah. I've I've watched it for nearly two or three years or so. Now I know it comes up and down, up and down.\n\nIt's not it's not huge. Yep. Yep. Absolutely. Uh-huh.\n\nYep. Yeah. Yep. Yep. Sounds good.\n\nYep. Yep. Okay. So it's still doing quite nicely. Sounds good.\n\nOkay. Alright. Yeah. Oh, I don't know, Dana. It's obviously putting the pool in and the solar.\n\nI mean, I don't know. Last time I had the real estate out, you know, like, it was there's still a bit of work to be done to finish it off. But, yeah, they were saying 1.5 to 1.6. So yeah. Yeah.\n\nYeah. Yeah. No. No. Sitting at one I had a look at that this morning.\n\nI think it's $1.95. At at the moment, $1.94, nearly $1.95. So yeah. Yep. I reckon probably still 75.\n\nI mean, it's done nothing. Absolutely nothing. It's been nowhere. It's only got the 34,000 on the clock after two years. So yeah.\n\nYeah. Yeah. Yeah. Oh, no. That's still roughly the same.\n\nYeah. Yeah. Yeah. Yeah. I have.\n\nI've done. Yep. Yeah. I've done all that. Yep.\n\nYep. Yep. That's right. Yep. Yep.\n\nYep. Yep. Absolutely. Yep. No.\n\nI don't think so, Dana. Yeah. No. Not really. Anything that I've basically taken out, it's just gone straight back into the house, like the pool and the backup.\n\nAnd I I brought some water tanks, some new water tanks for the house. So, yeah, there was another, I don't know, $5,000. So but, yeah, that's pretty much it, really. Yep. Pretty much.\n\nI just wanna see that grow as much as possible. Once once I've helped Dylan with his money, that's pretty much it for me then. You know, this has sort of come out of left field, but I said to him, I'll do what I can to help him with this one. But after that, you know, like, I I don't really I just wanna see that grow, grow, grow, grow, grow, grow. You know what?\n\nNothing would make me happier than to see it absolutely skyrocket every single month. Oh, I do. Yep. Yep. I sure do.\n\nI I like to follow it every day. Yep. Yeah. Yeah. Well, I do I follow the ASX every day, and I've got it downloaded on my phone.\n\nSo I watch the goals every day. And then, you know, I'll look and go, it's been a shit day today, and then I'll hop on. I'll have a look at it up and go, okay. It's definitely not good today. But yeah.\n\nYeah. It's nice to see when it goes up. Yep. Yep. Yep.\n\nYeah. Let's get rid of those. Yep. Yep. Yep.\n\nYep. Yep. Okay. Sounds good. Yeah.\n\nI'm just always chatting to you too. Alright. Yeah. Yep. Yep.\n\nNope. It sounds good, Jana. That's perfect. You too. Yeah.\n\nYou too's on. Okay. Talk soon. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Donna.","start":2.48,"end":3.22,"sentiment":"neutral","sentiment_score":0.08734721317887306},{"text":"Yeah.","start":5.7599998,"end":6.08,"sentiment":"neutral","sentiment_score":0.31589266657829285},{"text":"I'm good.","start":6.08,"end":6.48,"sentiment":"positive","sentiment_score":0.4966709017753601},{"text":"How are you?","start":6.48,"end":7.2999997,"sentiment":"positive","sentiment_score":0.4089683989683787},{"text":"Hey.","start":12.96,"end":13.2,"sentiment":"neutral","sentiment_score":0.07779878377914429}],"sentiment":"neutral","sentiment_score":0.3098480974634488,"num_words":9,"start":2.48,"end":13.2},{"sentences":[{"text":"Yeah.","start":13.2,"end":13.36,"sentiment":"neutral","sentiment_score":0.0717138722538948},{"text":"Yeah.","start":13.36,"end":13.759999,"sentiment":"neutral","sentiment_score":0.07218335568904877},{"text":"Sure.","start":13.759999,"end":14.259999,"sentiment":"neutral","sentiment_score":0.09361426532268524},{"text":"I'm sick.","start":14.625,"end":17.445,"sentiment":"neutral","sentiment_score":0.06069843471050264},{"text":"Oh, it's lovely.","start":19.265,"end":20.165,"sentiment":"neutral","sentiment_score":0.22899999717871347}],"sentiment":"neutral","sentiment_score":0.1307385442778468,"num_words":8,"start":13.2,"end":20.165},{"sentences":[{"text":"And, yes, it is hot.","start":20.225,"end":21.505,"sentiment":"neutral","sentiment_score":-0.024418095126748085},{"text":"It's filthy.","start":21.505,"end":22.325,"sentiment":"negative","sentiment_score":-0.4657195657491684},{"text":"Gosh.","start":22.385,"end":22.885,"sentiment":"neutral","sentiment_score":-0.24548102915287015},{"text":"Yeah.","start":23.904999,"end":24.224998,"sentiment":"neutral","sentiment_score":-0.2184864282608032},{"text":"It's really bad today.","start":24.224998,"end":25.605,"sentiment":"negative","sentiment_score":-0.5428951010107994}],"sentiment":"neutral","sentiment_score":-0.28377518989145756,"num_words":13,"start":20.225,"end":25.605},{"sentences":[{"text":"Yeah.","start":38.93,"end":39.33,"sentiment":"neutral","sentiment_score":-0.11829409003257751},{"text":"The humidity didn't let up yesterday.","start":39.33,"end":41.535,"sentiment":"neutral","sentiment_score":-0.21269151816765466},{"text":"It was 91, and that was about from 05:00 in the morning all the way through.","start":41.535,"end":45.755,"sentiment":"neutral","sentiment_score":-0.16028897929936647},{"text":"It was just hard.","start":46.215,"end":47.515,"sentiment":"neutral","sentiment_score":-0.24301080778241158},{"text":"And I think it got to 33 with 91 humidity.","start":47.815,"end":50.795,"sentiment":"neutral","sentiment_score":-0.14571474269032478}],"sentiment":"neutral","sentiment_score":-0.17265560880706116,"num_words":37,"start":38.93,"end":50.795},{"sentences":[{"text":"So, yeah, it was bad.","start":50.934998,"end":52.155,"sentiment":"neutral","sentiment_score":-0.27228395342826844},{"text":"Yeah.","start":54.3,"end":54.8,"sentiment":"neutral","sentiment_score":-0.052378710359334946},{"text":"And today's not much better.","start":55.66,"end":57.199997,"sentiment":"neutral","sentiment_score":-0.17615337967872619},{"text":"Oh, you're alright.","start":61.579998,"end":62.48,"sentiment":"neutral","sentiment_score":0.03880508057773113},{"text":"Yep.","start":69.865,"end":70.365,"sentiment":"neutral","sentiment_score":0.02215921506285667}],"sentiment":"neutral","sentiment_score":-0.14373272793988387,"num_words":15,"start":50.934998,"end":70.365},{"sentences":[{"text":"Yeah.","start":75.305,"end":75.805,"sentiment":"neutral","sentiment_score":0.0342034175992012},{"text":"Yeah.","start":76.745,"end":76.985,"sentiment":"neutral","sentiment_score":0.11608292162418364},{"text":"Sure.","start":76.985,"end":77.305,"sentiment":"neutral","sentiment_score":0.13521558046340942},{"text":"I will.","start":77.305,"end":77.865,"sentiment":"neutral","sentiment_score":0.13684451580047607},{"text":"Yeah.","start":77.865,"end":78.365,"sentiment":"neutral","sentiment_score":0.1450621783733368}],"sentiment":"neutral","sentiment_score":0.11737552161018054,"num_words":6,"start":75.305,"end":78.365},{"sentences":[{"text":"Yep.","start":85.880005,"end":86.36,"sentiment":"neutral","sentiment_score":0.03266410157084465},{"text":"Julie Ruth, 05/09/1964, 152 Pacific Drive, Barra.","start":86.36,"end":90.62,"sentiment":"neutral","sentiment_score":0.01727609841951302},{"text":"Yep.","start":109.73,"end":110.23,"sentiment":"neutral","sentiment_score":0.13719138503074646},{"text":"Yep.","start":111.090004,"end":111.590004,"sentiment":"neutral","sentiment_score":0.07507951557636261},{"text":"Yep.","start":111.89,"end":112.39,"sentiment":"neutral","sentiment_score":0.10151785612106325}],"sentiment":"neutral","sentiment_score":0.0424895952032371,"num_words":11,"start":85.880005,"end":112.39},{"sentences":[{"text":"Yes.","start":121.555,"end":122.055,"sentiment":"neutral","sentiment_score":0.2003994584083557},{"text":"Okay.","start":129.395,"end":129.895,"sentiment":"neutral","sentiment_score":0.06109674647450447},{"text":"Yep.","start":135.58,"end":136.08,"sentiment":"positive","sentiment_score":0.47279220819473267},{"text":"Yep.","start":138.78,"end":139.28,"sentiment":"neutral","sentiment_score":0.2887839674949646},{"text":"Yeah.","start":147.075,"end":147.475,"sentiment":"neutral","sentiment_score":0.2447192370891571}],"sentiment":"neutral","sentiment_score":0.2535583235323429,"num_words":5,"start":121.555,"end":147.475},{"sentences":[{"text":"I looked at that.","start":147.475,"end":148.355,"sentiment":"neutral","sentiment_score":0.2506048306822777},{"text":"Yep.","start":148.355,"end":148.855,"sentiment":"neutral","sentiment_score":0.29233258962631226},{"text":"Yes.","start":151.475,"end":151.975,"sentiment":"neutral","sentiment_score":0.2421051114797592},{"text":"Yes.","start":152.195,"end":152.695,"sentiment":"positive","sentiment_score":0.3722391724586487},{"text":"Yeah.","start":164.67,"end":165.17,"sentiment":"neutral","sentiment_score":0.04707707464694977}],"sentiment":"neutral","sentiment_score":0.24452165886759758,"num_words":8,"start":147.475,"end":165.17},{"sentences":[{"text":"Yeah.","start":166.34999,"end":166.83,"sentiment":"neutral","sentiment_score":0.10759308934211732},{"text":"Yep.","start":166.83,"end":167.33,"sentiment":"neutral","sentiment_score":0.17324630916118622},{"text":"Okay.","start":174.235,"end":174.735,"sentiment":"neutral","sentiment_score":0.07682371139526367},{"text":"Yeah.","start":192.1,"end":192.6,"sentiment":"neutral","sentiment_score":0.0662611573934555},{"text":"Yeah.","start":197.62001,"end":198.12001,"sentiment":"neutral","sentiment_score":0.03534284234046936}],"sentiment":"neutral","sentiment_score":0.09185342192649841,"num_words":5,"start":166.34999,"end":198.12001},{"sentences":[{"text":"Yeah.","start":198.18001,"end":198.68001,"sentiment":"neutral","sentiment_score":0.17951542139053345},{"text":"Yeah.","start":209.885,"end":210.385,"sentiment":"neutral","sentiment_score":0.11762317270040512},{"text":"Whatever you wanna do with it, Dana.","start":225.49,"end":227.35,"sentiment":"neutral","sentiment_score":0.08088993068252291},{"text":"I I I I'm fine with that as long as it's making me money.","start":227.805,"end":231.42499,"sentiment":"positive","sentiment_score":0.41134590336254667},{"text":"Yeah.","start":244.98,"end":245.38,"sentiment":"neutral","sentiment_score":0.0831337571144104}],"sentiment":"neutral","sentiment_score":0.2793893547107776,"num_words":24,"start":198.18001,"end":245.38},{"sentences":[{"text":"Just I I was having a bit of a read about Copper and and a few of the other ones that are coming through at the moment, and I just, yeah, I I don't know.","start":245.38,"end":254.205,"sentiment":"neutral","sentiment_score":0.04941034520577107},{"text":"Whatever you think is looking really, really good at the moment or you think is gonna make some money fairly quickly or you know?","start":254.265,"end":263.565,"sentiment":"neutral","sentiment_score":0.09981679869815707},{"text":"Yeah.","start":263.785,"end":264.285,"sentiment":"neutral","sentiment_score":0.13150395452976227},{"text":"Yep.","start":278.16998,"end":278.33,"sentiment":"neutral","sentiment_score":0.0988101065158844},{"text":"Yep.","start":278.33,"end":278.83,"sentiment":"neutral","sentiment_score":0.0899786502122879}],"sentiment":"neutral","sentiment_score":0.07169770906799502,"num_words":62,"start":245.38,"end":278.83},{"sentences":[{"text":"Yep.","start":279.21,"end":279.71,"sentiment":"neutral","sentiment_score":0.13524481654167175},{"text":"Yep.","start":292.73502,"end":293.23502,"sentiment":"neutral","sentiment_score":0.08402620255947113},{"text":"Yep.","start":295.43,"end":295.93,"sentiment":"neutral","sentiment_score":0.2688506841659546},{"text":"So where's things going at the moment, Dana?","start":301.43,"end":303.91,"sentiment":"neutral","sentiment_score":0.11711548641324043},{"text":"Is it still looking quite good?","start":303.91,"end":305.91,"sentiment":"neutral","sentiment_score":0.2554295212030411}],"sentiment":"neutral","sentiment_score":0.1739778071641922,"num_words":17,"start":279.21,"end":305.91},{"sentences":[{"text":"Like, yeah, money's still like, the stocks are still doing quite well?","start":305.91,"end":311.475,"sentiment":"neutral","sentiment_score":0.24662204459309578},{"text":"Yep.","start":323.61002,"end":324.11002,"sentiment":"positive","sentiment_score":0.4564974308013916},{"text":"Yep.","start":327.85,"end":328.35,"sentiment":"neutral","sentiment_score":0.27861911058425903},{"text":"Yep.","start":349.915,"end":350.415,"sentiment":"neutral","sentiment_score":0.17326128482818604},{"text":"Yep.","start":354.33002,"end":354.83002,"sentiment":"neutral","sentiment_score":0.08122804015874863}],"sentiment":"neutral","sentiment_score":0.24681690009310842,"num_words":16,"start":305.91,"end":354.83002},{"sentences":[{"text":"Yep.","start":364.81,"end":365.05002,"sentiment":"neutral","sentiment_score":0.13013052940368652},{"text":"Thank you.","start":365.05002,"end":365.87003,"sentiment":"neutral","sentiment_score":0.29990973323583603},{"text":"Yep.","start":381.025,"end":381.26498,"sentiment":"neutral","sentiment_score":0.0003115882573183626},{"text":"Yep.","start":381.26498,"end":381.76498,"sentiment":"neutral","sentiment_score":-0.021673724055290226},{"text":"Yeah.","start":384.36002,"end":384.6,"sentiment":"neutral","sentiment_score":-0.00881379283964634}],"sentiment":"neutral","sentiment_score":0.11662901120629006,"num_words":6,"start":364.81,"end":384.6},{"sentences":[{"text":"No.","start":384.6,"end":385.0,"sentiment":"neutral","sentiment_score":-0.05145638436079025},{"text":"Just yeah.","start":385.0,"end":389.72,"sentiment":"neutral","sentiment_score":-0.02883545495569706},{"text":"Do that.","start":389.72,"end":390.46,"sentiment":"neutral","sentiment_score":0.012690480798482895},{"text":"Yeah.","start":392.04,"end":392.28,"sentiment":"neutral","sentiment_score":0.0688558891415596},{"text":"Yeah.","start":392.28,"end":392.78,"sentiment":"neutral","sentiment_score":0.07516372948884964}],"sentiment":"neutral","sentiment_score":0.008610469422170095,"num_words":7,"start":384.6,"end":392.78},{"sentences":[{"text":"Yeah.","start":392.84,"end":393.08002,"sentiment":"neutral","sentiment_score":0.1069684624671936},{"text":"Do that.","start":393.08002,"end":393.56,"sentiment":"neutral","sentiment_score":0.1390005387365818},{"text":"Is this not yep.","start":393.56,"end":394.68,"sentiment":"neutral","sentiment_score":-0.026036258088424802},{"text":"No point.","start":394.68,"end":395.42,"sentiment":"neutral","sentiment_score":-0.09245435148477554},{"text":"You did mention that I was pretty much at the top of how much I could buy in gold.","start":395.96,"end":401.615,"sentiment":"neutral","sentiment_score":0.023668536230137472}],"sentiment":"neutral","sentiment_score":0.01948635689248996,"num_words":28,"start":392.84,"end":401.615},{"sentences":[{"text":"Did you happen to have time to look at that?","start":401.675,"end":403.835,"sentiment":"neutral","sentiment_score":0.014036775566637516},{"text":"Is you said there was a limit on how much I could actually purchase.","start":403.835,"end":407.375,"sentiment":"neutral","sentiment_score":-0.03032220554138933},{"text":"Right.","start":415.91,"end":416.41,"sentiment":"neutral","sentiment_score":0.015878910198807716},{"text":"Mhmm.","start":441.015,"end":441.515,"sentiment":"neutral","sentiment_score":0.05547228083014488},{"text":"Yeah.","start":442.855,"end":443.355,"sentiment":"neutral","sentiment_score":0.10146132111549376}],"sentiment":"neutral","sentiment_score":-0.004123355917356633,"num_words":27,"start":401.675,"end":443.355},{"sentences":[{"text":"Yeah.","start":443.56998,"end":443.88998,"sentiment":"neutral","sentiment_score":0.1487835943698883},{"text":"Just anything that you think, Diana, that is coming along quite well and, yeah, you could recommend, that'd be great.","start":443.88998,"end":450.63,"sentiment":"positive","sentiment_score":0.5034868434071541},{"text":"And you did suggest maybe we need to that thousand dollars or close to a thousand dollars that comes in on the tenth and the twenty fourth.","start":451.72998,"end":460.045,"sentiment":"neutral","sentiment_score":0.06003915421940662},{"text":"You were saying something about increasing that.","start":460.045,"end":462.305,"sentiment":"neutral","sentiment_score":0.02542888479573386},{"text":"Yep.","start":481.27,"end":481.77,"sentiment":"neutral","sentiment_score":0.06645698100328445}],"sentiment":"neutral","sentiment_score":0.21578637144661375,"num_words":56,"start":443.56998,"end":481.77},{"sentences":[{"text":"Yeah.","start":485.51,"end":486.01,"sentiment":"neutral","sentiment_score":0.015964845195412636},{"text":"No.","start":497.775,"end":498.095,"sentiment":"neutral","sentiment_score":-0.3220047056674957},{"text":"I think I'm I'm actually happy with that.","start":498.095,"end":500.895,"sentiment":"neutral","sentiment_score":-0.31212168186903},{"text":"I I don't require anymore, to be honest.","start":500.895,"end":503.75,"sentiment":"neutral","sentiment_score":-0.27382927015423775},{"text":"Yeah.","start":505.01,"end":505.25,"sentiment":"neutral","sentiment_score":-0.009388037025928496}],"sentiment":"neutral","sentiment_score":-0.26331765861495543,"num_words":19,"start":485.51,"end":505.25},{"sentences":[{"text":"I think we can just leave that.","start":505.25,"end":507.11,"sentiment":"neutral","sentiment_score":-0.02996199471609933},{"text":"And the other thing I was gonna ask you, I had a look yesterday just to see how much was left in cash because I know we took the pool money out for the cash.","start":507.57,"end":517.79504,"sentiment":"neutral","sentiment_score":0.039409928023815155},{"text":"Now in saying that, I've had a chat to Dylan.","start":518.09503,"end":521.375,"sentiment":"neutral","sentiment_score":0.16966164335608483},{"text":"He had his review with you just before Christmas, and he sort of he he's really happy with where that's going.","start":521.375,"end":529.455,"sentiment":"neutral","sentiment_score":0.3213450014591217},{"text":"He was insanely stoked.","start":529.455,"end":531.635,"sentiment":"positive","sentiment_score":0.3830667957663536}],"sentiment":"neutral","sentiment_score":0.1447628852608916,"num_words":77,"start":505.25,"end":531.635},{"sentences":[{"text":"But I I'd like to help Dylan out in the next couple of weeks just with he's had the solar put on and, yeah, he's sort of struggling at the moment.","start":531.89,"end":545.49,"sentiment":"neutral","sentiment_score":0.011734870172316027},{"text":"They're trying to do a renovation and a few other bits and bobs.","start":545.49,"end":548.5418,"sentiment":"neutral","sentiment_score":-0.24361467361450195},{"text":"And I said to him, look.","start":548.5418,"end":550.81244,"sentiment":"neutral","sentiment_score":0.0018957704305648797},{"text":"I'll have a chat to Dana and just see what she thinks.","start":550.81244,"end":555.3536,"sentiment":"neutral","sentiment_score":0.08395675290375948},{"text":"But, yeah, I'm looking at lending him probably $20,000 to try and get the battery backup system on his solar so he no longer has to have electricity bill in the next couple of weeks.","start":555.3536,"end":572.97003,"sentiment":"neutral","sentiment_score":0.19406873626368387}],"sentiment":"neutral","sentiment_score":0.05162939840217227,"num_words":97,"start":531.89,"end":572.97003},{"sentences":[{"text":"Okay.","start":593.67,"end":594.17,"sentiment":"neutral","sentiment_score":0.03676588833332062},{"text":"Right.","start":630.01,"end":630.51,"sentiment":"neutral","sentiment_score":0.041677989065647125},{"text":"Yeah.","start":670.305,"end":670.805,"sentiment":"neutral","sentiment_score":0.0921575129032135},{"text":"Yeah.","start":672.865,"end":673.345,"sentiment":"neutral","sentiment_score":0.10821710526943208},{"text":"Okay.","start":673.345,"end":673.845,"sentiment":"neutral","sentiment_score":0.1250368356704712}],"sentiment":"neutral","sentiment_score":0.0807710662484169,"num_words":5,"start":593.67,"end":673.845},{"sentences":[{"text":"Yeah.","start":674.465,"end":674.785,"sentiment":"neutral","sentiment_score":0.14512738585472107},{"text":"I know he wants to sort of do it fairly soon.","start":674.785,"end":677.95996,"sentiment":"neutral","sentiment_score":0.15511210398240524},{"text":"Right.","start":716.6,"end":717.1,"sentiment":"neutral","sentiment_score":0.012318816035985948},{"text":"So okay.","start":717.59503,"end":719.615,"sentiment":"neutral","sentiment_score":0.07780009508132935},{"text":"So hang on.","start":719.675,"end":728.235,"sentiment":"neutral","sentiment_score":0.05027864252527555}],"sentiment":"neutral","sentiment_score":0.12056197019086944,"num_words":18,"start":674.465,"end":728.235},{"sentences":[{"text":"Yep.","start":728.235,"end":728.735,"sentiment":"neutral","sentiment_score":0.04107567295432091},{"text":"That's what I'm thinking.","start":732.49005,"end":733.71,"sentiment":"neutral","sentiment_score":-0.057771263644099236},{"text":"Yep.","start":739.61005,"end":740.11005,"sentiment":"neutral","sentiment_score":-0.03118782863020897},{"text":"Yeah.","start":745.065,"end":745.38495,"sentiment":"neutral","sentiment_score":-0.06213724985718727},{"text":"Yeah.","start":745.38495,"end":745.88495,"sentiment":"neutral","sentiment_score":-0.07078254222869873}],"sentiment":"neutral","sentiment_score":-0.044264625292271376,"num_words":8,"start":728.235,"end":745.88495},{"sentences":[{"text":"Yeah.","start":746.58496,"end":747.065,"sentiment":"neutral","sentiment_score":-0.026242850348353382},{"text":"And that's what I'm thinking.","start":747.065,"end":748.185,"sentiment":"neutral","sentiment_score":-0.03463969230651855},{"text":"Maybe maybe I can do that.","start":748.185,"end":750.185,"sentiment":"neutral","sentiment_score":0.03189331479370594},{"text":"I can just if it goes into my account and I just go down to the bank and take a check out, that that way it's like, they don't know what I've used it for, basically.","start":750.185,"end":763.22003,"sentiment":"neutral","sentiment_score":-0.02732473948142595},{"text":"Yeah.","start":768.72003,"end":769.22003,"sentiment":"neutral","sentiment_score":0.0004237201064825058}],"sentiment":"neutral","sentiment_score":-0.020231598455991064,"num_words":49,"start":746.58496,"end":769.22003},{"sentences":[{"text":"Yeah.","start":772.755,"end":773.255,"sentiment":"neutral","sentiment_score":0.01873268745839596},{"text":"Yeah.","start":780.675,"end":781.075,"sentiment":"neutral","sentiment_score":0.06907013803720474},{"text":"Well, I've got yeah.","start":781.075,"end":787.58,"sentiment":"neutral","sentiment_score":0.0438756481744349},{"text":"That yeah.","start":787.72,"end":788.36,"sentiment":"neutral","sentiment_score":0.16572140157222748},{"text":"That might be a way that we can actually do that because I've had to spend money on on the umbrella for the pool, which was five, the hut, which was five, so that's 10.","start":788.36,"end":797.0,"sentiment":"neutral","sentiment_score":0.2495515844651631}],"sentiment":"neutral","sentiment_score":0.2169547366888024,"num_words":43,"start":772.755,"end":797.0},{"sentences":[{"text":"The fencing again and all the decking, there was another 10,000 that I wasn't anticipating.","start":797.0,"end":803.65497,"sentiment":"neutral","sentiment_score":0.13194487243890762},{"text":"So there's 20, you know, that I can basically I've got receipts for.","start":803.875,"end":807.555,"sentiment":"neutral","sentiment_score":0.16381967898744804},{"text":"So we could do that.","start":807.555,"end":810.295,"sentiment":"positive","sentiment_score":0.48956586718559264},{"text":"No.","start":815.81,"end":816.05,"sentiment":"neutral","sentiment_score":-0.1396966576576233},{"text":"No.","start":816.05,"end":816.52997,"sentiment":"neutral","sentiment_score":-0.17860764265060425}],"sentiment":"neutral","sentiment_score":0.1782386842582907,"num_words":35,"start":797.0,"end":816.52997},{"sentences":[{"text":"I'm not gonna no.","start":816.52997,"end":818.05,"sentiment":"neutral","sentiment_score":-0.15023069828748703},{"text":"No.","start":818.05,"end":818.44995,"sentiment":"neutral","sentiment_score":-0.0905609056353569},{"text":"I'm not gonna alert them, but, yeah, I'd sorta like to get this done for him as quick as I can only because I know his mortgage repayments like his he rang me the other day and he said, I don't even know where to begin.","start":818.44995,"end":833.375,"sentiment":"neutral","sentiment_score":-0.01615267684278281},{"text":"He goes, I'm on a variable and obviously it's gone up.","start":833.375,"end":837.395,"sentiment":"neutral","sentiment_score":-0.08871046724644574},{"text":"And I said to him, yeah.","start":838.175,"end":839.615,"sentiment":"neutral","sentiment_score":-0.01796432336171468}],"sentiment":"neutral","sentiment_score":-0.03703099872697802,"num_words":68,"start":816.52997,"end":839.615},{"sentences":[{"text":"I know.","start":839.615,"end":840.27496,"sentiment":"neutral","sentiment_score":-0.029564187861979008},{"text":"So and and saying that, so if my house payment's gone up, so I came off 2.2% and went to 4.99.","start":840.57,"end":847.31,"sentiment":"neutral","sentiment_score":-0.010935112390489806},{"text":"So, yeah, what I was paying in yeah.","start":848.89,"end":851.45,"sentiment":"neutral","sentiment_score":0.10760515835136175},{"text":"It does.","start":851.45,"end":852.01,"sentiment":"neutral","sentiment_score":0.31128793954849243},{"text":"It's made it's made a huge difference, really.","start":852.01,"end":854.135,"sentiment":"positive","sentiment_score":0.34974540397524834}],"sentiment":"neutral","sentiment_score":0.09738084492160053,"num_words":41,"start":839.615,"end":854.135},{"sentences":[{"text":"Yeah.","start":854.35504,"end":854.67505,"sentiment":"neutral","sentiment_score":0.02429214119911194},{"text":"What I was paying in house payments now, I'm paying just in interest alone.","start":854.67505,"end":858.85504,"sentiment":"neutral","sentiment_score":-0.052374612273914475},{"text":"Oh, okay.","start":860.03503,"end":860.61505,"sentiment":"neutral","sentiment_score":0.03664720430970192},{"text":"So there's not that much coming off the principal at the moment.","start":860.67505,"end":863.23505,"sentiment":"neutral","sentiment_score":-0.10244492627680302},{"text":"But, yeah, in saying that, I just said to him, look.","start":863.23505,"end":865.955,"sentiment":"neutral","sentiment_score":0.01186561906202273}],"sentiment":"neutral","sentiment_score":-0.04336188319139182,"num_words":40,"start":854.35504,"end":865.955},{"sentences":[{"text":"I'll have a chat today, and I'll just see what we can do about getting you that 20.","start":865.955,"end":871.14,"sentiment":"neutral","sentiment_score":0.05871282279905346},{"text":"And, yeah, I don't know where we take it from, Dana, whether I know there's 15,000 cash sitting there.","start":873.28,"end":878.16003,"sentiment":"neutral","sentiment_score":-0.06827516721463517},{"text":"Do we leave that there?","start":878.16003,"end":879.46,"sentiment":"neutral","sentiment_score":-0.05529512017965317},{"text":"What where would we take it from?","start":879.60004,"end":881.54004,"sentiment":"neutral","sentiment_score":-0.06824519644890513},{"text":"Yep.","start":885.845,"end":886.345,"sentiment":"neutral","sentiment_score":0.04254431650042534}],"sentiment":"neutral","sentiment_score":-0.01904090052470565,"num_words":50,"start":865.955,"end":886.345},{"sentences":[{"text":"Yeah.","start":891.205,"end":891.705,"sentiment":"neutral","sentiment_score":0.0025152619928121567},{"text":"Which is not a lie, really.","start":891.845,"end":893.445,"sentiment":"neutral","sentiment_score":-0.10428443054358165},{"text":"I just need to, you know yeah.","start":893.445,"end":895.88,"sentiment":"neutral","sentiment_score":-0.14031534854854857},{"text":"I've spent it.","start":895.88,"end":896.94,"sentiment":"neutral","sentiment_score":-0.10850000878175099},{"text":"Yep.","start":908.75995,"end":909.25995,"sentiment":"neutral","sentiment_score":0.30435675382614136}],"sentiment":"neutral","sentiment_score":-0.09036344631264608,"num_words":18,"start":891.205,"end":909.25995},{"sentences":[{"text":"Yeah.","start":928.94,"end":929.44,"sentiment":"neutral","sentiment_score":0.05375387519598007},{"text":"Yeah.","start":929.81995,"end":930.06,"sentiment":"neutral","sentiment_score":0.01787479594349861},{"text":"No.","start":930.06,"end":930.3,"sentiment":"neutral","sentiment_score":-0.029140401631593704},{"text":"That's fine.","start":930.3,"end":931.01996,"sentiment":"neutral","sentiment_score":0.13702985271811485},{"text":"I think yeah.","start":931.01996,"end":931.81995,"sentiment":"neutral","sentiment_score":0.2898570696512858}],"sentiment":"neutral","sentiment_score":0.1482648979872465,"num_words":8,"start":928.94,"end":931.81995},{"sentences":[{"text":"We we might do it that way.","start":931.81995,"end":933.25995,"sentiment":"positive","sentiment_score":0.4363477315221514},{"text":"So that way, like I said, the money just comes straight into my account.","start":933.25995,"end":936.86,"sentiment":"neutral","sentiment_score":0.22768696503979818},{"text":"And, basically, I'll just go down and withdraw a check straight away and give him the check, and he can then just put it in his bank.","start":936.86,"end":943.435,"sentiment":"neutral","sentiment_score":0.12179901671630365},{"text":"Yes.","start":958.01,"end":958.51,"sentiment":"neutral","sentiment_score":0.10820838809013368},{"text":"Look, Dana.","start":973.045,"end":973.865,"sentiment":"neutral","sentiment_score":0.020619280636310577}],"sentiment":"neutral","sentiment_score":0.18980533395912133,"num_words":51,"start":931.81995,"end":973.865},{"sentences":[{"text":"Yeah.","start":974.565,"end":975.045,"sentiment":"neutral","sentiment_score":0.01089523732662201},{"text":"And I know that he sorta got this guy sitting on hold for about two or three weeks.","start":975.045,"end":978.96497,"sentiment":"neutral","sentiment_score":-0.04265556867337889},{"text":"So, yeah, it's just yeah.","start":978.96497,"end":982.105,"sentiment":"neutral","sentiment_score":0.03152327686548233},{"text":"It's probably two or three weeks down the track.","start":982.77,"end":985.59,"sentiment":"neutral","sentiment_score":0.05320402690105968},{"text":"I I'm actually I'm actually driving to Newcastle next Wednesday, and I'll have another chat to him about it.","start":985.97003,"end":993.81006,"sentiment":"neutral","sentiment_score":0.1491849893017819}],"sentiment":"neutral","sentiment_score":0.05219350816108859,"num_words":52,"start":974.565,"end":993.81006},{"sentences":[{"text":"But, yeah, he's had him out for a second quote, and he's got him down to 20, which is not too bad because mine were 26,000.","start":993.81006,"end":1000.84503,"sentiment":"neutral","sentiment_score":0.14618670281309348},{"text":"So, you know and I'm yeah.","start":1000.905,"end":1005.085,"sentiment":"neutral","sentiment_score":0.08543967859198649},{"text":"Yeah.","start":1015.49,"end":1015.73,"sentiment":"neutral","sentiment_score":0.05796265602111816},{"text":"No.","start":1015.73,"end":1015.97,"sentiment":"neutral","sentiment_score":0.008503930643200874},{"text":"That's fine.","start":1015.97,"end":1016.79,"sentiment":"neutral","sentiment_score":0.17138877511024475}],"sentiment":"neutral","sentiment_score":0.1311871244882544,"num_words":36,"start":993.81006,"end":1016.79},{"sentences":[{"text":"Yeah.","start":1018.29,"end":1018.61,"sentiment":"neutral","sentiment_score":0.14569486677646637},{"text":"Yeah.","start":1018.61,"end":1018.85,"sentiment":"neutral","sentiment_score":0.22584345936775208},{"text":"That's fine.","start":1018.85,"end":1019.75,"sentiment":"positive","sentiment_score":0.4565982818603515},{"text":"And then how long would it take for Hub to do the drawdown or wherever we take it from?","start":1020.37,"end":1025.75,"sentiment":"neutral","sentiment_score":0.10592048576003626},{"text":"Yep.","start":1034.075,"end":1034.575,"sentiment":"neutral","sentiment_score":0.12096808850765228}],"sentiment":"neutral","sentiment_score":0.1424246753255526,"num_words":24,"start":1018.29,"end":1034.575},{"sentences":[{"text":"Well, in that time frame, hopefully, you know, it makes a bit more money, which is good.","start":1038.36,"end":1042.78,"sentiment":"positive","sentiment_score":0.3480362822027767},{"text":"Do we do we leave that 15,000 sitting in the cash fund or, like, would you leave that there, do you think?","start":1043.5599,"end":1050.0599,"sentiment":"neutral","sentiment_score":0.05758031965656714},{"text":"Yep.","start":1071.13,"end":1071.63,"sentiment":"neutral","sentiment_score":0.06443548202514648},{"text":"Yes.","start":1087.595,"end":1088.095,"sentiment":"neutral","sentiment_score":0.11429335176944733},{"text":"No.","start":1091.0,"end":1091.5,"sentiment":"neutral","sentiment_score":-0.08365438878536224}],"sentiment":"neutral","sentiment_score":0.1732966255928789,"num_words":42,"start":1038.36,"end":1091.5},{"sentences":[{"text":"Yeah.","start":1095.15,"end":1095.4,"sentiment":"neutral","sentiment_score":0.07951852679252625},{"text":"Yep.","start":1095.4,"end":1095.9,"sentiment":"neutral","sentiment_score":0.1387770026922226},{"text":"Yep.","start":1102.2,"end":1102.7,"sentiment":"neutral","sentiment_score":0.24542701244354248},{"text":"Yeah.","start":1104.995,"end":1105.495,"sentiment":"neutral","sentiment_score":0.05149473249912262},{"text":"Do yeah.","start":1105.635,"end":1106.355,"sentiment":"neutral","sentiment_score":0.038429271429777145}],"sentiment":"neutral","sentiment_score":0.09867930288116138,"num_words":6,"start":1095.15,"end":1106.355},{"sentences":[{"text":"Do that.","start":1106.355,"end":1107.095,"sentiment":"neutral","sentiment_score":0.03419599961489439},{"text":"Yeah.","start":1107.715,"end":1107.955,"sentiment":"neutral","sentiment_score":0.09814673662185668},{"text":"Do that.","start":1107.955,"end":1108.695,"sentiment":"neutral","sentiment_score":0.1346728838980198},{"text":"Yep.","start":1108.755,"end":1109.255,"sentiment":"neutral","sentiment_score":0.1660790741443634},{"text":"And, yeah, and we won't touch the gold, obviously.","start":1109.5549,"end":1112.455,"sentiment":"neutral","sentiment_score":0.16498657564322153}],"sentiment":"neutral","sentiment_score":0.1391228505720695,"num_words":15,"start":1106.355,"end":1112.455},{"sentences":[{"text":"No.","start":1114.0349,"end":1114.5349,"sentiment":"neutral","sentiment_score":-0.019372332841157913},{"text":"Yeah.","start":1117.87,"end":1118.37,"sentiment":"neutral","sentiment_score":0.0320323184132576},{"text":"So whatever's coming through, like I said, Dan, I'll leave it up to you.","start":1118.4299,"end":1121.5499,"sentiment":"neutral","sentiment_score":0.02152990356885961},{"text":"You've got more of a an an idea and a handle on it, obviously, on what's making money out there.","start":1121.5499,"end":1126.59,"sentiment":"neutral","sentiment_score":0.015167674515396357},{"text":"But, yeah, just I know I mean, it it came back really well.","start":1126.59,"end":1131.15,"sentiment":"neutral","sentiment_score":0.08648874725286777}],"sentiment":"neutral","sentiment_score":0.035546649798598826,"num_words":49,"start":1114.0349,"end":1131.15},{"sentences":[{"text":"I I watched it, and it got right up to 757,000, and then last week, 20,000 just got stripped straight off of it.","start":1131.15,"end":1139.045,"sentiment":"neutral","sentiment_score":-0.026462466658457466},{"text":"You know?","start":1139.105,"end":1139.765,"sentiment":"neutral","sentiment_score":-0.02862457651644945},{"text":"And I'm like, oh my god.","start":1140.145,"end":1142.305,"sentiment":"neutral","sentiment_score":-0.06596301806469758},{"text":"What is happening?","start":1142.305,"end":1143.285,"sentiment":"neutral","sentiment_score":-0.09067237873872121},{"text":"Yeah.","start":1150.27,"end":1150.77,"sentiment":"neutral","sentiment_score":-0.03154367953538895}],"sentiment":"neutral","sentiment_score":-0.03900642315191882,"num_words":35,"start":1131.15,"end":1150.77},{"sentences":[{"text":"Yeah.","start":1152.99,"end":1153.49,"sentiment":"neutral","sentiment_score":-0.03641992807388306},{"text":"Yeah.","start":1160.43,"end":1160.93,"sentiment":"neutral","sentiment_score":0.07302490621805191},{"text":"Look at put that.","start":1161.39,"end":1162.935,"sentiment":"neutral","sentiment_score":0.31013572588562965},{"text":"It hasn't taken me long to put the money back in for the pool.","start":1163.015,"end":1165.655,"sentiment":"neutral","sentiment_score":0.16401833402259008},{"text":"Like, I've been watching it go back in, and I'm thinking, you know, that's that's not too bad considering.","start":1165.655,"end":1170.395,"sentiment":"neutral","sentiment_score":0.15273380514822507}],"sentiment":"neutral","sentiment_score":0.1660345347645955,"num_words":39,"start":1152.99,"end":1170.395},{"sentences":[{"text":"And that's what I said to do.","start":1171.5751,"end":1172.935,"sentiment":"neutral","sentiment_score":0.1362293532916478},{"text":"And he goes, oh, mom, you know yeah.","start":1172.935,"end":1176.0599,"sentiment":"neutral","sentiment_score":0.06183193065226078},{"text":"He he said, I don't like to ask.","start":1176.0599,"end":1177.4199,"sentiment":"neutral","sentiment_score":-0.02929906011559069},{"text":"And I said, well, at the end of the day, I'm not gonna ask him for it back, Dana.","start":1177.4199,"end":1182.08,"sentiment":"neutral","sentiment_score":-0.038689346003689264},{"text":"You know?","start":1182.22,"end":1182.7799,"sentiment":"neutral","sentiment_score":-0.02645698096603155}],"sentiment":"neutral","sentiment_score":0.009678565939380364,"num_words":44,"start":1171.5751,"end":1182.7799},{"sentences":[{"text":"I'm I'm I'm giving it to him.","start":1182.7799,"end":1184.86,"sentiment":"neutral","sentiment_score":0.03211707608508212},{"text":"You know?","start":1184.86,"end":1185.5199,"sentiment":"neutral","sentiment_score":0.013192988000810146},{"text":"So, I mean, I I helped him out last year, the year before, and I just think they've had a bit of a rough trot lately, and they lost a baby just before Christmas.","start":1186.2999,"end":1195.1951,"sentiment":"neutral","sentiment_score":-0.06483635289923233},{"text":"So, yeah, it was pretty horrific.","start":1195.8151,"end":1199.1951,"sentiment":"negative","sentiment_score":-0.3819179832935333},{"text":"And then they turned up here for Christmas, and and it was lovely.","start":1199.255,"end":1202.635,"sentiment":"neutral","sentiment_score":0.2333220002742914}],"sentiment":"neutral","sentiment_score":-0.019541167518905094,"num_words":62,"start":1182.7799,"end":1202.635},{"sentences":[{"text":"But, yeah, I just think, oh, if I can make their life a bit easier, like, seriously, I I don't want anything.","start":1202.6951,"end":1209.6,"sentiment":"neutral","sentiment_score":0.05517782169309529},{"text":"I don't need anything.","start":1209.6,"end":1210.74,"sentiment":"negative","sentiment_score":-0.4170850142836571},{"text":"You know?","start":1211.12,"end":1211.76,"sentiment":"neutral","sentiment_score":-0.2054200917482376},{"text":"So I just thought if I can take take the electricity bill away for him.","start":1211.76,"end":1216.48,"sentiment":"neutral","sentiment_score":-0.1474814067284266},{"text":"You know?","start":1216.48,"end":1217.14,"sentiment":"neutral","sentiment_score":-0.04679834097623825}],"sentiment":"neutral","sentiment_score":-0.0704685765835974,"num_words":45,"start":1202.6951,"end":1217.14},{"sentences":[{"text":"And I thought he's an electrician.","start":1218.025,"end":1219.485,"sentiment":"neutral","sentiment_score":0.024557059009869892},{"text":"He can do all the wiring and everything himself.","start":1219.625,"end":1222.125,"sentiment":"neutral","sentiment_score":0.04320862433976597},{"text":"It's just the batteries that he needs.","start":1222.585,"end":1225.005,"sentiment":"neutral","sentiment_score":0.002881888034088271},{"text":"So but but I thought, you know, like, I know that it's actually I don't have electricity bill anymore, which is pretty amazing, I have to say, which which is pretty nice.","start":1225.385,"end":1239.75,"sentiment":"neutral","sentiment_score":0.016573314904235303},{"text":"And I said to him, look, if we can take out that bill out of the equation, that would be amazing.","start":1239.75,"end":1245.0499,"sentiment":"neutral","sentiment_score":0.17990932081426894}],"sentiment":"neutral","sentiment_score":0.06486446671187877,"num_words":75,"start":1218.025,"end":1245.0499},{"sentences":[{"text":"So, yeah, that's all I wanna do for him.","start":1245.2699,"end":1248.5149,"sentiment":"neutral","sentiment_score":0.22619200083944532},{"text":"It doesn't matter, Dana.","start":1261.38,"end":1262.5801,"sentiment":"neutral","sentiment_score":0.13016316294670105},{"text":"I'm fine.","start":1262.5801,"end":1262.9801,"sentiment":"neutral","sentiment_score":0.2152458280324936},{"text":"Whatever suits you.","start":1262.9801,"end":1263.9401,"sentiment":"neutral","sentiment_score":0.08035870517293613},{"text":"No.","start":1263.9401,"end":1264.42,"sentiment":"neutral","sentiment_score":0.010213909670710564}],"sentiment":"neutral","sentiment_score":0.17042959687349044,"num_words":19,"start":1245.2699,"end":1264.42},{"sentences":[{"text":"Doesn't matter.","start":1264.42,"end":1265.3201,"sentiment":"neutral","sentiment_score":0.02508801454678178},{"text":"No.","start":1277.835,"end":1278.235,"sentiment":"neutral","sentiment_score":-0.10195975005626678},{"text":"I I'm fine.","start":1278.235,"end":1279.375,"sentiment":"neutral","sentiment_score":0.007466884950796763},{"text":"Yeah.","start":1279.755,"end":1280.075,"sentiment":"neutral","sentiment_score":0.09209074079990388},{"text":"Whatever suits 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stressed?","start":1396.105,"end":1396.985,"sentiment":"neutral","sentiment_score":-0.16680975755055746},{"text":"No.","start":1396.985,"end":1397.485,"sentiment":"neutral","sentiment_score":-0.28231292963027954},{"text":"Because I I know it comes back.","start":1397.545,"end":1399.485,"sentiment":"neutral","sentiment_score":-0.23701426812580653},{"text":"You know?","start":1399.705,"end":1400.365,"sentiment":"neutral","sentiment_score":-0.09039700031280518},{"text":"Yeah.","start":1400.8251,"end":1401.0651,"sentiment":"neutral","sentiment_score":-0.05637190490961075}],"sentiment":"neutral","sentiment_score":-0.19135771319270134,"num_words":14,"start":1396.105,"end":1401.0651},{"sentences":[{"text":"It's it's not a huge 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yeah.","start":1613.92,"end":1614.945,"sentiment":"neutral","sentiment_score":0.031144673004746434},{"text":"Yeah.","start":1616.705,"end":1617.0249,"sentiment":"neutral","sentiment_score":0.0918656438589096}],"sentiment":"neutral","sentiment_score":-0.10461283528379031,"num_words":42,"start":1603.12,"end":1617.0249},{"sentences":[{"text":"Yeah.","start":1617.0249,"end":1617.5249,"sentiment":"neutral","sentiment_score":0.16017693281173706},{"text":"Yeah.","start":1619.1849,"end":1619.6849,"sentiment":"neutral","sentiment_score":0.012698562815785408},{"text":"No.","start":1629.1849,"end":1629.505,"sentiment":"neutral","sentiment_score":-0.09934303909540176},{"text":"No.","start":1629.505,"end":1630.005,"sentiment":"neutral","sentiment_score":-0.13228842616081238},{"text":"Sitting at one I had a look at that this 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yeah.","start":1661.9299,"end":1663.3899,"sentiment":"neutral","sentiment_score":0.010779058560729027}],"sentiment":"neutral","sentiment_score":-0.14006872782888619,"num_words":23,"start":1653.305,"end":1663.3899},{"sentences":[{"text":"Yeah.","start":1664.1699,"end":1664.6699,"sentiment":"neutral","sentiment_score":0.22056329250335693},{"text":"Yeah.","start":1665.69,"end":1666.19,"sentiment":"neutral","sentiment_score":0.08425385504961014},{"text":"Yeah.","start":1671.7699,"end":1672.2699,"sentiment":"neutral","sentiment_score":-0.006577027961611748},{"text":"Oh, no.","start":1674.175,"end":1674.5751,"sentiment":"neutral","sentiment_score":-0.05587691254913807},{"text":"That's still roughly the 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don't think so, Dana.","start":1733.465,"end":1734.925,"sentiment":"neutral","sentiment_score":-0.0432892955839634},{"text":"Yeah.","start":1735.385,"end":1735.785,"sentiment":"neutral","sentiment_score":-0.027094639837741852},{"text":"No.","start":1735.785,"end":1736.185,"sentiment":"neutral","sentiment_score":-0.0676133781671524},{"text":"Not really.","start":1736.185,"end":1736.925,"sentiment":"neutral","sentiment_score":-0.0671349260956049},{"text":"Anything that I've basically taken out, it's just gone straight back into the house, like the pool and the backup.","start":1736.985,"end":1743.165,"sentiment":"neutral","sentiment_score":-0.01236996054649353}],"sentiment":"neutral","sentiment_score":-0.02389046755330316,"num_words":29,"start":1733.465,"end":1743.165},{"sentences":[{"text":"And I I brought some water tanks, some new water tanks for the house.","start":1743.305,"end":1747.87,"sentiment":"neutral","sentiment_score":0.008816877779151713},{"text":"So, yeah, there was another, I don't know, $5,000.","start":1747.93,"end":1752.81,"sentiment":"neutral","sentiment_score":-0.014361638575792313},{"text":"So but, yeah, that's pretty much it, really.","start":1752.81,"end":1755.79,"sentiment":"neutral","sentiment_score":0.06437637098133564},{"text":"Yep.","start":1763.765,"end":1764.265,"sentiment":"neutral","sentiment_score":0.06348446756601334},{"text":"Pretty much.","start":1768.085,"end":1768.645,"sentiment":"neutral","sentiment_score":0.12187660112977028}],"sentiment":"neutral","sentiment_score":0.02401265233535977,"num_words":34,"start":1743.305,"end":1768.645},{"sentences":[{"text":"I just wanna see that grow as much as possible.","start":1768.645,"end":1770.725,"sentiment":"neutral","sentiment_score":0.13119535967707635},{"text":"Once once I've helped Dylan with his money, that's pretty much it for me then.","start":1770.725,"end":1774.5801,"sentiment":"neutral","sentiment_score":0.09319173594315847},{"text":"You know, this has sort of come out of left field, but I said to him, I'll do what I can to help him with this one.","start":1774.7201,"end":1779.2001,"sentiment":"neutral","sentiment_score":0.05674362568943589},{"text":"But after that, you know, like, I I don't really I just wanna see that grow, grow, grow, grow, grow, grow.","start":1779.2001,"end":1784.385,"sentiment":"neutral","sentiment_score":0.013294760847375506},{"text":"You know what?","start":1784.465,"end":1785.285,"sentiment":"neutral","sentiment_score":0.015441376405457655}],"sentiment":"neutral","sentiment_score":0.060097653112423266,"num_words":76,"start":1768.645,"end":1785.285},{"sentences":[{"text":"Nothing would make me happier than to see it absolutely skyrocket every single month.","start":1786.0651,"end":1790.485,"sentiment":"positive","sentiment_score":0.5858836195298603},{"text":"Oh, I do.","start":1793.505,"end":1794.405,"sentiment":"neutral","sentiment_score":0.038779626290003456},{"text":"Yep.","start":1796.385,"end":1796.885,"sentiment":"neutral","sentiment_score":0.03816371411085129},{"text":"Yep.","start":1797.025,"end":1797.525,"sentiment":"neutral","sentiment_score":0.11464130878448486},{"text":"I sure do.","start":1797.585,"end":1798.385,"sentiment":"positive","sentiment_score":0.33847949902216595}],"sentiment":"positive","sentiment_score":0.43122513964772224,"num_words":22,"start":1786.0651,"end":1798.385},{"sentences":[{"text":"I I like to follow it every day.","start":1798.385,"end":1800.325,"sentiment":"positive","sentiment_score":0.38750796392560005},{"text":"Yep.","start":1805.4,"end":1805.9,"sentiment":"positive","sentiment_score":0.4550093412399292},{"text":"Yeah.","start":1806.44,"end":1806.94,"sentiment":"neutral","sentiment_score":0.2742759585380554},{"text":"Yeah.","start":1808.84,"end":1809.32,"sentiment":"neutral","sentiment_score":0.2729167938232422},{"text":"Well, I do I follow the ASX every day, and I've got it downloaded on my phone.","start":1809.32,"end":1813.16,"sentiment":"neutral","sentiment_score":0.3164125566973406}],"sentiment":"positive","sentiment_score":0.3386171167450292,"num_words":28,"start":1798.385,"end":1813.16},{"sentences":[{"text":"So I watch the goals every day.","start":1813.16,"end":1814.76,"sentiment":"neutral","sentiment_score":0.18767220207623073},{"text":"And then, you know, I'll look and go, it's been a shit day today, and then I'll hop on.","start":1814.76,"end":1819.225,"sentiment":"neutral","sentiment_score":0.03530505841205779},{"text":"I'll have a look at it up and go, okay.","start":1819.225,"end":1821.725,"sentiment":"neutral","sentiment_score":0.025749089010059834},{"text":"It's definitely not good today.","start":1821.865,"end":1823.725,"sentiment":"neutral","sentiment_score":-0.20851957499980928},{"text":"But yeah.","start":1824.6649,"end":1825.325,"sentiment":"neutral","sentiment_score":-0.004266382195055485}],"sentiment":"neutral","sentiment_score":0.027694459885445444,"num_words":43,"start":1813.16,"end":1825.325},{"sentences":[{"text":"Yeah.","start":1825.465,"end":1825.965,"sentiment":"neutral","sentiment_score":0.02817659080028534},{"text":"It's nice to see when it goes up.","start":1826.345,"end":1828.2849,"sentiment":"neutral","sentiment_score":-0.006570153404027224},{"text":"Yep.","start":1835.3099,"end":1835.8099,"sentiment":"neutral","sentiment_score":0.027531592175364494},{"text":"Yep.","start":1839.23,"end":1839.73,"sentiment":"neutral","sentiment_score":-0.02590780518949032},{"text":"Yep.","start":1843.47,"end":1843.97,"sentiment":"neutral","sentiment_score":0.06065851077437401}],"sentiment":"neutral","sentiment_score":0.0031581384440263114,"num_words":12,"start":1825.465,"end":1843.97},{"sentences":[{"text":"Yeah.","start":1847.625,"end":1847.865,"sentiment":"neutral","sentiment_score":0.017483126372098923},{"text":"Let's get rid of those.","start":1847.865,"end":1849.065,"sentiment":"neutral","sentiment_score":-0.01928433231078088},{"text":"Yep.","start":1849.065,"end":1849.565,"sentiment":"neutral","sentiment_score":-0.010104529559612274},{"text":"Yep.","start":1850.345,"end":1850.845,"sentiment":"neutral","sentiment_score":0.03176800534129143},{"text":"Yep.","start":1850.905,"end":1851.405,"sentiment":"neutral","sentiment_score":0.0365108996629715}],"sentiment":"neutral","sentiment_score":-0.0023071288596838713,"num_words":9,"start":1847.625,"end":1851.405},{"sentences":[{"text":"Yep.","start":1852.265,"end":1852.765,"sentiment":"neutral","sentiment_score":0.05699416995048523},{"text":"Yep.","start":1856.825,"end":1857.325,"sentiment":"neutral","sentiment_score":0.06371735036373138},{"text":"Okay.","start":1860.8201,"end":1861.3201,"sentiment":"neutral","sentiment_score":0.1328238695859909},{"text":"Sounds good.","start":1861.54,"end":1862.36,"sentiment":"neutral","sentiment_score":0.31725719571113586},{"text":"Yeah.","start":1866.42,"end":1866.92,"sentiment":"positive","sentiment_score":0.3343380093574524}],"sentiment":"neutral","sentiment_score":0.20373129844665527,"num_words":6,"start":1852.265,"end":1866.92},{"sentences":[{"text":"I'm just always chatting to you too.","start":1867.54,"end":1869.48,"sentiment":"neutral","sentiment_score":0.3110981753894261},{"text":"Alright.","start":1872.9349,"end":1873.4349,"sentiment":"neutral","sentiment_score":0.04537383466959},{"text":"Yeah.","start":1875.815,"end":1876.315,"sentiment":"neutral","sentiment_score":-0.009654571302235126},{"text":"Yep.","start":1883.1749,"end":1883.495,"sentiment":"neutral","sentiment_score":0.0006907160277478397},{"text":"Yep.","start":1883.495,"end":1883.995,"sentiment":"neutral","sentiment_score":0.03601521626114845}],"sentiment":"neutral","sentiment_score":0.20455567485293036,"num_words":11,"start":1867.54,"end":1883.995},{"sentences":[{"text":"Nope.","start":1884.71,"end":1885.03,"sentiment":"neutral","sentiment_score":0.06872706115245819},{"text":"It sounds good, Jana.","start":1885.03,"end":1886.15,"sentiment":"positive","sentiment_score":0.6316757947206497},{"text":"That's perfect.","start":1886.15,"end":1889.13,"sentiment":"positive","sentiment_score":0.7362339794635773},{"text":"You too.","start":1891.03,"end":1891.77,"sentiment":"positive","sentiment_score":0.3848652094602585},{"text":"Yeah.","start":1891.83,"end":1892.23,"sentiment":"neutral","sentiment_score":0.21419116854667664}],"sentiment":"positive","sentiment_score":0.5051819786429406,"num_words":10,"start":1884.71,"end":1892.23},{"sentences":[{"text":"You too's on.","start":1892.23,"end":1893.29,"sentiment":"neutral","sentiment_score":0.22412926455338797},{"text":"Okay.","start":1893.43,"end":1893.93,"sentiment":"neutral","sentiment_score":0.18077318370342255},{"text":"Talk soon.","start":1893.99,"end":1894.81,"sentiment":"positive","sentiment_score":0.35214488208293915},{"text":"Bye.","start":1895.11,"end":1895.61,"sentiment":"neutral","sentiment_score":0.28942984342575073},{"text":"Bye.","start":1896.15,"end":1896.65,"sentiment":"neutral","sentiment_score":-0.1203247606754303}],"sentiment":"neutral","sentiment_score":0.21581947803497314,"num_words":8,"start":1892.23,"end":1896.65}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi, Donna.\n\nChannel 0: Hi, Julie. How are you today?\n\nChannel 1: Yeah. I'm good. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in to go see your annual review. Is now still a good time there for you?\n\nChannel 1: Hey. Yeah. Yeah. Sure.\n\nChannel 0: Yep.\n\nChannel 1: I'm\n\nChannel 0: Fantastic. It's but it's hot up there at\n\nChannel 1: sick.\n\nChannel 0: the moment. How's your pool going for you?\n\nChannel 1: Oh, it's lovely. And, yes,\n\nChannel 0: I bet\n\nChannel 1: it is\n\nChannel 0: it\n\nChannel 1: hot.\n\nChannel 0: is.\n\nChannel 1: It's filthy. Gosh. Yeah. It's really bad today.\n\nChannel 0: It has been. I worked from home yesterday because my son was unwell, and, yeah, it just was a scorcher. And, I mean, I'm down here on the Gold Coast, so you're more up and inland, so you'd feel it a lot more than I would.\n\nChannel 1: Yeah. The humidity didn't let up yesterday. It was 91, and that was about from 05:00 in the morning all the way through. It\n\nChannel 0: Oh,\n\nChannel 1: was just\n\nChannel 0: wow.\n\nChannel 1: hard. And I think it\n\nChannel 0: Oh,\n\nChannel 1: got to 33 with 91 humidity. So, yeah, it was bad.\n\nChannel 0: That is a lot, isn't it?\n\nChannel 1: Yeah.\n\nChannel 0: Oh my goodness. Wow.\n\nChannel 1: And today's not much better.\n\nChannel 0: No. Definitely not. Well, I'll try not to take up too much of your time, but\n\nChannel 1: Oh,\n\nChannel 0: just\n\nChannel 1: you're\n\nChannel 0: wanna\n\nChannel 1: alright.\n\nChannel 0: run through things and give you a bit of an update there. And I've had a bit of a look, and we can definitely look at, you know, maybe updating the advice for you, which should be fantastic. Before I\n\nChannel 1: Yep.\n\nChannel 0: jump into the call completely, I do have to let you know we do record our calls for quality and training purposes. Are you happy for\n\nChannel 1: Yeah.\n\nChannel 0: me to proceed with that? Beautiful.\n\nChannel 1: Yeah. Sure. I will. Yeah.\n\nChannel 0: Lovely. And I'm discussing your personal information. So I'd like to be security conscious. I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Yep. Julie Ruth, 05/09/1964, 152 Pacific\n\nChannel 0: Yep.\n\nChannel 1: Drive, Barra.\n\nChannel 0: Beautiful. Thank you so much for that. Now I had a bit of a look back at your super, so I will send you these documents afterwards. This is for you as a different system to DocuSign. I know the Internet's a bit patchy where you are as well.\n\nSo I'll just run through these for you, and then I'll send them through to you after the call. That way, you can have a good really good look at everything and review anything\n\nChannel 1: Yep.\n\nChannel 0: you've got there. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Now we did do that nice big withdrawal in around about sort of the November 20 there. So having a look at your super, it has sort of seen good growth since then. Looking at\n\nChannel 1: Yes.\n\nChannel 0: your super, you've received about 2.76% as an internal rate of return. That's from the twenty second of the eleventh until now. So oh,\n\nChannel 1: Okay.\n\nChannel 0: sorry. That's from the twenty second of the eleventh until sort of January, the January there. So your portfolio\n\nChannel 1: Yep.\n\nChannel 0: has shown some good recovery, which is great. When\n\nChannel 1: Yep.\n\nChannel 0: we look at a 2% return for the amount of money you have in super, it actually shows your earnings as about 20,163. So\n\nChannel 1: Yeah. I\n\nChannel 0: it\n\nChannel 1: looked\n\nChannel 0: made\n\nChannel 1: at that.\n\nChannel 0: that\n\nChannel 1: Yep.\n\nChannel 0: 20,000 back, which is really good to see. Okay?\n\nChannel 1: Yes.\n\nChannel 0: So\n\nChannel 1: Yes.\n\nChannel 0: you you are on track to making that money back, which is good. One of the things we definitely did talk about last time we spoke was that you wanted to look at maybe having some more commodities, maybe some silver and things in your portfolio. Is that still where\n\nChannel 1: Yeah.\n\nChannel 0: you're looking heading? Yep.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Beautiful. I have had a bit of looking around at the options out there. We can definitely look at adding some of those in. So what I might even look\n\nChannel 1: Okay.\n\nChannel 0: at doing is updating the advice for you. I do wanna do a bit of a refresh on the pension. So that's basically encompasses moving the pension back into super and then moving some more money back into pension. That way, we're keeping as much as we can sheltered in that super side of things, but\n\nChannel 1: Yeah.\n\nChannel 0: we also need to keep enough money sitting in your pension account to give you pension payments as well. Okay?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So I'll I'll do a bit of math calculating with the Centrelink side of things, making sure that we're not exceeding the cap so you're not having to, you know, lose out on any of your Centrelink payments there.\n\nChannel 1: Yeah.\n\nChannel 0: Having and I'll I'll look at maybe adding a bit more in the way of the growth investments into the super where you probably can take a little bit more risk and keeping your pension a little bit more safer with those low risk investments, more cash producing. Does that sound like something you'd be open to?\n\nChannel 1: Whatever you wanna do with it, Dana.\n\nChannel 0: Yeah.\n\nChannel 1: I I I I'm fine with that as long as it's making me money.\n\nChannel 0: Yeah. That's okay. That's absolutely not a problem. And I'll look at those commodities. Is there anything particular aside from the gold and the silver that might pick your interest with that you'd like to see in soup or anything else that's been on your mind?\n\nChannel 1: Yeah. Just I I was having a bit of a read about Copper and and a few of the other ones that are coming through at the moment, and I just,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I I don't know. Whatever you think is looking really, really good at the moment or you think is gonna\n\nChannel 0: Yep.\n\nChannel 1: make some money fairly quickly or\n\nChannel 0: Yep.\n\nChannel 1: you know? Yeah.\n\nChannel 0: Perfect. No problem at all. I've done a little bit of research already, but I'll go back and reencompass some research and have a really good look. This is a lot more in-depth, so it will take me a couple of weeks to complete the research as a whole to make sure everything is working correctly\n\nChannel 1: Yep.\n\nChannel 0: for\n\nChannel 1: Yep.\n\nChannel 0: you.\n\nChannel 1: Yep.\n\nChannel 0: But I'll definitely come back and show you the advice document. Again, any advice we provide, Julie, is us just giving you the recommendations. You then get to take them away, read them over, decide whether you wanna take all of them, sell them, or none of them\n\nChannel 1: Yep.\n\nChannel 0: at all. It's completely up to you, and we'll just\n\nChannel 1: Yep.\n\nChannel 0: show you what that looks like. I'll outline the advantages, disadvantages, and the risks involved so you can make an informed decision. Okay?\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: where's things going at the moment, Dana? Is it still looking quite good? Like, yeah, money's still like, the stocks are still doing quite well?\n\nChannel 0: Yeah. Absolutely. So when I have a really good look at everything in detail, having a look now your super has definitely made a lot of that money back. We've made that 20,000 back from when you took the money took the funds out.\n\nChannel 1: Yep.\n\nChannel 0: You have your physical gold is doing exceptionally well.\n\nChannel 1: Yep.\n\nChannel 0: So I have a look here at generally around about the last sort of twelve months there. Your physical gold has done exceptionally well in both those portfolios there. In your super, it is up sorry. My computer's a little bit slow. That is the wrong one.\n\nIt is up over 51.44%, so it's doing\n\nChannel 1: Yep.\n\nChannel 0: very, very well. Physical Gold has had a bit of a hit in the last couple of weeks, but it has definitely\n\nChannel 1: Yep.\n\nChannel 0: sort of shown some recovery points, but you're still up over the year. You've also got your infrastructure fund, which is more of an income fund there, and that's up over 22.51%.\n\nChannel 1: Yep. Thank\n\nChannel 0: Your\n\nChannel 1: you.\n\nChannel 0: bank hybrids, so these are, as I mentioned, more of a defensive investment. I would like to maybe look at swapping your bank hybrids out. They have given you a positive return. However, moving forward, bank hybrids, these sorts of investments are being phased out by the government, so\n\nChannel 1: Yep. Yep.\n\nChannel 0: we will have to move you out eventually. So as part\n\nChannel 1: Yeah.\n\nChannel 0: of the\n\nChannel 1: No.\n\nChannel 0: advice,\n\nChannel 1: Just\n\nChannel 0: I might look at moving that out and putting you in something like bonds, and\n\nChannel 1: yeah.\n\nChannel 0: I'll\n\nChannel 1: Do\n\nChannel 0: find\n\nChannel 1: that.\n\nChannel 0: something appropriate. Yeah. Perfect.\n\nChannel 1: Yeah. Yeah. Yeah. Do\n\nChannel 0: Excellent.\n\nChannel 1: that. Is this not yep. No point.\n\nChannel 0: Yeah.\n\nChannel 1: You did mention that I was pretty much at the top of how much I could buy in gold. Did you happen to have time to look at that? Is you said there was a limit on how much I could actually purchase.\n\nChannel 0: There is yeah. I did have a bit of a look. Now Hub twenty four at such allows you to put no more than 20% in for\n\nChannel 1: Right.\n\nChannel 0: any individual in for any individual account. And having a look at your super account at the moment, physical gold, you're at 26.1%. So you are pretty heavily overweighted in the super. We can definitely look to retain that for you, but they won't let us put any more physical gold in there. But we can look at other things.\n\nWe can look at silver. We can look at other, investments that encompass maybe a bit\n\nChannel 1: Mhmm.\n\nChannel 0: of underlying gold for you as well.\n\nChannel 1: Yeah.\n\nChannel 0: Okay.\n\nChannel 1: Yeah. Just\n\nChannel 0: Yeah.\n\nChannel 1: anything that you think, Diana, that is coming along quite well and, yeah, you could recommend, that'd be great.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And you did suggest maybe we need to that thousand dollars or close to a thousand dollars that comes in on the tenth and the twenty fourth. You were saying something about increasing that.\n\nChannel 0: Yeah. So I had a really good look. Between your between your Centrelink that you're getting for the disability pension and the amount that you are getting out of hub twenty four, you're actually making on a a weekly basis, you're getting about $1,085 and 94. So I know you wanted to sort of have that\n\nChannel 1: Yep.\n\nChannel 0: $1,000 on a week income side of things. Did you want me to\n\nChannel 1: Yeah.\n\nChannel 0: look at maybe reducing that back a bit? You're only getting about $85.94 more than what you sort of wanted, or do you feel with the cost of living increasing that extra money is needed and appropriate?\n\nChannel 1: No. I think I'm I'm actually happy with that. I I don't\n\nChannel 0: Yep.\n\nChannel 1: require anymore, to be honest.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I think we can just leave that.\n\nChannel 0: Yep.\n\nChannel 1: And the other thing I was gonna ask you, I had a look yesterday just to see how much was left in cash because I know we took the pool money out for the\n\nChannel 0: Yes.\n\nChannel 1: cash. Now\n\nChannel 0: Yeah.\n\nChannel 1: in saying that, I've had a chat to Dylan. He had his review with you just before Christmas, and\n\nChannel 0: Yep.\n\nChannel 1: he sort of he he's really happy with where that's going. He was\n\nChannel 0: Oh,\n\nChannel 1: insanely\n\nChannel 0: good.\n\nChannel 1: stoked. But I I'd like to help Dylan out in the next couple of weeks\n\nChannel 0: Mhmm.\n\nChannel 1: just with he's had the solar put on and, yeah, he's sort of struggling at the moment. They're trying to do a renovation and a few other bits and bobs. And I said to him, look. I'll have a chat to Dana and just see what she thinks. But, yeah, I'm looking at lending him probably $20,000 to try and get the battery backup system on his solar so he no longer has to have electricity bill\n\nChannel 0: Okay. When is he sort of planning on doing that?\n\nChannel 1: in the next couple of weeks.\n\nChannel 0: Okay. Because under because you are currently on Centrelink, you can take the funds out of Super. Given your age, you've got access to it. It's fine. But under Centrelink rules, they have rules around gifting.\n\nSo, essentially, under their rules, you can only gift $10,000 on a yearly basis and no more than 30,000 over five years. So\n\nChannel 1: Okay.\n\nChannel 0: in order to give him like, if they come back and ask you to update your circumstances, they say, have you gifted this money? They'll see the money come out. Like, if they ask you the bank statements, they can see where the money is being transferred to and from, and that kinda gives them a bit of an idea. But if you do have to disclose the gifting side of things and you say that you've given him $20,000 as a loan, even though he's gonna repay that, they will essentially utilize the gifting rules and allow you to have gifted 10,000. And the extra 10,000 you've gifted, they use is what's called deprived asset, which means they assess you as having that money, that extra $10,000\n\nChannel 1: Right.\n\nChannel 0: for the next five years. So it can have an effect on your pension payments there. In saying that, I could we can look at doing that. Otherwise, as part of the advice structure, I could always look at maybe drawing 10,000 now and maybe 10,000 if he's comfortable with maybe doing that over two financial years, we do it around June or July. That way, you can do 10,000 in June, 10,000 on the July 1.\n\nYou've gifted him that money, and nothing is considered as a private asset. It's not even included by Centrelink rules. Is that something that might be worth a conversation with him about?\n\nChannel 1: Yeah. Yeah. Okay. Yeah. I\n\nChannel 0: Yeah.\n\nChannel 1: know he wants to sort of do it fairly soon.\n\nChannel 0: Yeah. Yeah. If not, look, even it's one thing if you still won't take the money, you absolutely can. It's just that risk around, you know, the the deprived investment the deprived asset side of things. We don't want them to, you know, be noting or have anything noted down that's gonna give you because you are 62, obviously, you still have a bit of time before you go on to the age pension side of things, but they do just have very strict rules around that.\n\nAnd I wouldn't want them to, you know, have any wrong assessments or be adding any deprived assets because they're assessing you for having money you don't actually have, which can be a negative down the track. Yeah.\n\nChannel 1: Right. So\n\nChannel 0: Yeah.\n\nChannel 1: okay. So\n\nChannel 0: The the other\n\nChannel 1: hang\n\nChannel 0: option is you could always withdraw the money, the 20,000, saying that you wanna withdraw the funds. You take it out\n\nChannel 1: on.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: hand it to him and give it to him as a check or as a cash or something\n\nChannel 1: That's what\n\nChannel 0: like\n\nChannel 1: I'm\n\nChannel 0: that,\n\nChannel 1: thinking.\n\nChannel 0: and you just tell them you're drawing it out for some sort of purchase or large bill that you have, that is\n\nChannel 1: Yep.\n\nChannel 0: another way of getting around it. It's just that, yeah, Being very careful with what I say at the same time not to\n\nChannel 1: Yeah.\n\nChannel 0: get you\n\nChannel 1: Yeah.\n\nChannel 0: any trouble.\n\nChannel 1: Yeah. And\n\nChannel 0: Yeah.\n\nChannel 1: that's what I'm thinking. Maybe maybe I can do that. I can just\n\nChannel 0: Yep.\n\nChannel 1: if it goes into my account and I just go down to the bank\n\nChannel 0: Mhmm.\n\nChannel 1: and take a check out, that that way it's like, they don't know what I've used it for,\n\nChannel 0: No. They'll\n\nChannel 1: basically.\n\nChannel 0: see it as a withdrawal. Yeah. And they'll just come back. And if they have any questions, they'll say, hey. What was this for?\n\nI mean, you've\n\nChannel 1: Yeah.\n\nChannel 0: just put in a large pool, and you've just put in all sorts of bits and pieces, and you got home maintenance\n\nChannel 1: Yeah.\n\nChannel 0: to consider. So there is obviously that aspect depending on what you, at the time, feel you could, you know, justify. So\n\nChannel 1: Yeah. Well,\n\nChannel 0: and that's\n\nChannel 1: I've\n\nChannel 0: only\n\nChannel 1: got\n\nChannel 0: if they update your circumstances. They may not ask you to update your circumstances, so it might not be an issue. Yeah.\n\nChannel 1: yeah. That yeah. That might be a way that we can actually do that because I've had to spend money on on the umbrella for the pool, which was five, the hut, which was five, so that's 10. The fencing again and\n\nChannel 0: Yeah.\n\nChannel 1: all the decking, there was another 10,000 that I wasn't anticipating. So there's 20, you know, that\n\nChannel 0: Yeah.\n\nChannel 1: I can basically I've got receipts for. So\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: we could do that.\n\nChannel 0: Yep. Yep. Abs and that's only if they come back and ask for anything. You don't have to ring them specifically and say,\n\nChannel 1: No.\n\nChannel 0: hey. I've\n\nChannel 1: No.\n\nChannel 0: lent my\n\nChannel 1: I'm\n\nChannel 0: son money\n\nChannel 1: not gonna\n\nChannel 0: or anything.\n\nChannel 1: no. No. I'm not gonna alert them, but, yeah,\n\nChannel 0: No.\n\nChannel 1: I'd\n\nChannel 0: Correct.\n\nChannel 1: sorta like to get this done for him as quick as I can\n\nChannel 0: Yeah. Yep.\n\nChannel 1: only because I know his mortgage repayments like his he rang me the other day and he said, I don't even know where to begin. He goes, I'm on a variable and obviously it's gone up. And I said to him, yeah. I know. So and and saying that, so if my house payment's gone up, so I came\n\nChannel 0: Yeah.\n\nChannel 1: off 2.2% and went to 4.99.\n\nChannel 0: Yeah. It's\n\nChannel 1: So,\n\nChannel 0: just\n\nChannel 1: yeah,\n\nChannel 0: it\n\nChannel 1: what\n\nChannel 0: makes\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: was\n\nChannel 0: difference.\n\nChannel 1: paying in yeah. It does. It's made it's made a huge difference, really.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. What I was paying in house payments now, I'm paying just in interest alone.\n\nChannel 0: Absolutely.\n\nChannel 1: Oh, okay. So there's not that much coming off the principal at the moment. But, yeah, in saying that, I just said to him, look. I'll have a chat today, and I'll just see\n\nChannel 0: Yeah. Yep.\n\nChannel 1: what we can do about getting you that 20. And, yeah, I don't know where we take it from, Dana, whether I know there's 15,000 cash sitting there. Do we leave that\n\nChannel 0: Yep.\n\nChannel 1: there? What where would we take it from?\n\nChannel 0: Yeah. No. That's okay. I can have a look at that as part of the advice if you like. So with\n\nChannel 1: Yep.\n\nChannel 0: the withdraw, I'll just say that you need to withdraw 20,000 for, say, home maintenance.\n\nChannel 1: Yeah. Which is not\n\nChannel 0: Yep.\n\nChannel 1: a lie, really. I just need to,\n\nChannel 0: Nope.\n\nChannel 1: you know yeah. I've spent it.\n\nChannel 0: Yep. That's okay. And as maintenance, it's absolutely fine. Not a problem at all. So I can account for the extra the 20,000 withdrawal and then look at rejigging the pro the portfolio for you, and\n\nChannel 1: Yep.\n\nChannel 0: also just look at, you know, the investments within the portfolio, see how they're aligned, maybe add some additional into your super and maybe reduce back some of the risk in your pension because that's where the money is coming from. We wanna take less risk in the account that you're drawing money out and make sure income is being produced where you're super, you can afford to take a little bit more risk maybe in. Does that sound\n\nChannel 1: Yeah.\n\nChannel 0: okay?\n\nChannel 1: Yeah. No. That's\n\nChannel 0: Yep.\n\nChannel 1: fine. I think yeah.\n\nChannel 0: Beautiful.\n\nChannel 1: We we might do it that way. So that way,\n\nChannel 0: Yep.\n\nChannel 1: like I said, the money just comes straight into my account. And, basically,\n\nChannel 0: Yep.\n\nChannel 1: I'll just go down and withdraw a check straight away and give\n\nChannel 0: Yep.\n\nChannel 1: him the check, and he can then just put it in his bank.\n\nChannel 0: Yep. That's okay. I can include that in the advice. It's not a problem at all. Now do you know with the advice, I do have a little bit of backlog at the moment with with all the advice I am providing for my retiree clients, which is I love.\n\nChannel 1: Yes.\n\nChannel 0: But it would take me about four weeks to complete the research. Is that gonna be okay, or do you want this a little bit sooner and I can prioritize it for you a bit more? What would you how what's the time frame do you think you'd be comfortable with for this?\n\nChannel 1: Look, Dana. Yeah. And I know that he sorta got this guy sitting on hold for about two or three weeks. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, it's just yeah. It's\n\nChannel 0: That's okay.\n\nChannel 1: probably two or three weeks down the track.\n\nChannel 0: Yep.\n\nChannel 1: I\n\nChannel 0: That's\n\nChannel 1: I'm actually\n\nChannel 0: okay.\n\nChannel 1: I'm actually driving to Newcastle next Wednesday,\n\nChannel 0: Yep.\n\nChannel 1: and I'll have another chat to him about it. But, yeah, he's had him out for a second quote, and he's got him down to 20,\n\nChannel 0: Wow.\n\nChannel 1: which is not too bad because mine were 26,000. So,\n\nChannel 0: Yeah.\n\nChannel 1: you know\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: No. That's okay.\n\nChannel 1: I'm yeah.\n\nChannel 0: I can I can push this research through in the next two weeks? It's not a problem at all. If I would be able to, I'd be able to present the advice to you the March. Is that gonna be okay?\n\nChannel 1: Yeah.\n\nChannel 0: That\n\nChannel 1: No.\n\nChannel 0: is\n\nChannel 1: That's\n\nChannel 0: presenting\n\nChannel 1: fine.\n\nChannel 0: in three weeks. Is that alright? Yep.\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Beautiful.\n\nChannel 1: And then how long would it take for Hub to do the drawdown or wherever we take it from?\n\nChannel 0: We just make that as a priority, and we get that done as quickly as possible from wherever I take it from. It won't take long to withdraw the funds out, and we can allocate\n\nChannel 1: Yep.\n\nChannel 0: funds being drawn out of a specific investment if we need to. It's not a problem. Yeah.\n\nChannel 1: Well, in that time frame, hopefully, you know, it makes a bit more money, which is good.\n\nChannel 0: Yeah.\n\nChannel 1: Do we do we leave that 15,000 sitting in the cash fund or, like, would you leave that there, do you think?\n\nChannel 0: Well, what we'll do is with a full refresh is we'll essentially move everything in pension back to super. We'll withdraw the funds out of the one account to make it easier, and then we'll move some money back into pension. It's generally a pretty quick process to refresh. They just move everything back into super and then just basically transfer things back into pension with a new amount.\n\nChannel 1: Yep.\n\nChannel 0: We can still be withdrawing funds in the meantime. It's not a problem. But in the process of doing that, we'll also change your investments around. So I'll double check how much we need to keep in cash, which is a minimum cash amount, but also making sure that it's within your risk profile. And\n\nChannel 1: Yes.\n\nChannel 0: I might invest some of that money. We don't wanna leave too much Citi\n\nChannel 1: No.\n\nChannel 0: in cash because the cash account essentially costs you money. So\n\nChannel 1: Yeah. Yep.\n\nChannel 0: you don't get much interest out of that at all. I'd even rather have it in that triple a cash account because it gets you better income\n\nChannel 1: Yep.\n\nChannel 0: and better interest than sitting in the cash account itself.\n\nChannel 1: Yeah.\n\nChannel 0: So we might\n\nChannel 1: Do\n\nChannel 0: just leave\n\nChannel 1: yeah.\n\nChannel 0: the minimum\n\nChannel 1: Do that.\n\nChannel 0: in cash. Yeah.\n\nChannel 1: Yeah. Do that. Yep.\n\nChannel 0: Yep.\n\nChannel 1: And,\n\nChannel 0: Beautiful.\n\nChannel 1: yeah, and we won't touch the gold, obviously.\n\nChannel 0: No. We'll keep\n\nChannel 1: No.\n\nChannel 0: some gold, and I'll look at what other commodities we can add in there for you. Okay?\n\nChannel 1: Yeah. So whatever's\n\nChannel 0: Yep.\n\nChannel 1: coming through, like I said, Dan, I'll leave it up to you. You've got more\n\nChannel 0: Yeah.\n\nChannel 1: of a an an idea and a handle on it, obviously, on what's making money out there. But, yeah, just I know I mean, it it came back really well. I I watched it, and it got right up to 757,000, and then last week, 20,000 just got stripped straight off of it. You know?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And I'm like,\n\nChannel 0: It\n\nChannel 1: oh my god.\n\nChannel 0: there's\n\nChannel 1: What is\n\nChannel 0: a pretty\n\nChannel 1: happening?\n\nChannel 0: massive dip. And Silver went through the same thing. It had seen really great massive, you know, ten, fifteen year highs. And then in one\n\nChannel 1: Yeah.\n\nChannel 0: to two days, it dropped 18%,\n\nChannel 1: Yeah.\n\nChannel 0: but it's still at a huge high. So even with the dip, it's still at higher than where it was last year. So\n\nChannel 1: Yeah.\n\nChannel 0: it's still\n\nChannel 1: Look\n\nChannel 0: still\n\nChannel 1: at\n\nChannel 0: good to have.\n\nChannel 1: put that. It hasn't taken me long to put the money back in for the pool. Like, I've been watching it go back in,\n\nChannel 0: Yeah.\n\nChannel 1: and I'm thinking, you know, that's that's not too bad considering.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: And that's what I said to do. And he goes, oh, mom, you know yeah. He he said, I don't like to ask. And I said, well, at the end of the day, I'm not gonna ask him for it back, Dana. You know?\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm I'm giving it to him. You know?\n\nChannel 0: Yeah.\n\nChannel 1: So,\n\nChannel 0: Yeah.\n\nChannel 1: I mean, I I helped him out last year, the year before, and I just think they've had a bit of a rough trot lately, and they\n\nChannel 0: Yeah.\n\nChannel 1: lost a baby just before Christmas. So,\n\nChannel 0: Sorry. Yeah.\n\nChannel 1: yeah, it was pretty horrific. And\n\nChannel 0: That's\n\nChannel 1: then\n\nChannel 0: a\n\nChannel 1: they\n\nChannel 0: lot.\n\nChannel 1: turned up here for Christmas, and and it was lovely. But, yeah, I just think, oh, if I can make their life a bit easier, like, seriously,\n\nChannel 0: Yeah.\n\nChannel 1: I I don't want anything. I don't need anything. You know? So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: I just thought if I can take take the electricity bill away for him. You know?\n\nChannel 0: Yeah. Yep. Yep.\n\nChannel 1: And I thought he's an electrician. He can do all the wiring and everything himself. It's\n\nChannel 0: Yep.\n\nChannel 1: just the batteries that he needs.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: No.\n\nChannel 1: but\n\nChannel 0: Absolutely.\n\nChannel 1: but I thought, you\n\nChannel 0: No.\n\nChannel 1: know, like, I know that it's actually I don't have electricity bill anymore, which is pretty amazing, I have to say,\n\nChannel 0: Yeah.\n\nChannel 1: which which is pretty nice. And I said to him, look,\n\nChannel 0: Yeah.\n\nChannel 1: if we can take out that bill out of the equation, that would be amazing. So,\n\nChannel 0: Yep.\n\nChannel 1: yeah, that's\n\nChannel 0: Yep.\n\nChannel 1: all I wanna do for him.\n\nChannel 0: Absolutely. No. Not a problem at all. I'll get that sorted. I'll prioritize that research for you, and we'll get it done.\n\nI'll book you in to have it presented. I know normally mornings suit better for you.\n\nChannel 1: It\n\nChannel 0: Did\n\nChannel 1: doesn't\n\nChannel 0: you\n\nChannel 1: matter, Dana. I'm fine.\n\nChannel 0: it doesn't\n\nChannel 1: Whatever\n\nChannel 0: matter?\n\nChannel 1: suits you. No. Doesn't matter.\n\nChannel 0: That's okay. Did you want to so that when so that week, the March 2 onwards, I don't have any bookings in my calendar that week. Did you wanna pick a day that would suit you better that week so far?\n\nChannel 1: No. I I'm fine.\n\nChannel 0: Ready? Yep.\n\nChannel 1: Yeah. Whatever\n\nChannel 0: That's okay.\n\nChannel 1: suits you. Morning, afternoon,\n\nChannel 0: Not\n\nChannel 1: whatever day. Yep.\n\nChannel 0: not a problem at all. What if we book it in for that Monday the second? That way we're not holding off too much longer after\n\nChannel 1: Yeah.\n\nChannel 0: that.\n\nChannel 1: No. You're right.\n\nChannel 0: And I can put it in for, say, 02:30 Queensland time the same as today. Is that okay?\n\nChannel 1: Yeah. Yeah. Yeah. That's fine.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I'll pop it in there, and we will have the advice ready to go then for you.\n\nChannel 1: Yep.\n\nChannel 0: Okay.\n\nChannel 1: Okay. Sounds\n\nChannel 0: And I'll\n\nChannel 1: good.\n\nChannel 0: add a text message reminder to make it easier on you. Okay?\n\nChannel 1: It's all good. No. I just\n\nChannel 0: Easy.\n\nChannel 1: needed to ask a question and, like\n\nChannel 0: Yeah. Of\n\nChannel 1: yeah.\n\nChannel 0: course. Yeah.\n\nChannel 1: But\n\nChannel 0: No.\n\nChannel 1: you know what? It's yeah. I can't take it with me.\n\nChannel 0: No.\n\nChannel 1: The\n\nChannel 0: Understandable.\n\nChannel 1: end of the end of\n\nChannel 0: Understandable.\n\nChannel 1: the day. Yeah. It's just it is what it is. You know? Like\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: No.\n\nChannel 1: You\n\nChannel 0: That's\n\nChannel 1: you just\n\nChannel 0: okay.\n\nChannel 1: do what you can do for your kids, I guess. But yeah. But, anyway, that's that's where I'm at at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, everything else will just leave entirely up to you. Just move it around. Do whatever you need to do with it.\n\nChannel 0: Yeah. No. Not a problem at all. All good. Now we do have you in that sort of defensive risk profile environment where you sort of have more of those lower risk investments.\n\nObviously, we wanna keep you in that sort of environment there when I'm looking at the investment styles.\n\nChannel 1: Yes.\n\nChannel 0: But just a couple of questions just to kind of regage your risk profile just to make sure we do have you invested correctly and that profile still fits you.\n\nChannel 1: Yes.\n\nChannel 0: If you say saw your super fall by 20% over the next six months, how do you think you might react? Do you think you'd be putting more money in? It might be a buying opportunity. Are you likely to call me and say what's going on, or do you feel like you'd be wanting to cement some losses and move some money around to something safer?\n\nChannel 1: Just moved some money around, Dana. Look.\n\nChannel 0: Yep.\n\nChannel 1: Do you know what? I've watched it go up. I've watched it come down. You know\n\nChannel 0: Yeah.\n\nChannel 1: what? It usually comes back at some point. Like I said,\n\nChannel 0: Yep.\n\nChannel 1: the other day, 20,000 went missing. Was I stressed? No. Because I I\n\nChannel 0: No.\n\nChannel 1: know it comes back. You know?\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Yeah. It's\n\nChannel 0: That's\n\nChannel 1: it's not\n\nChannel 0: okay.\n\nChannel 1: a huge deal.\n\nChannel 0: No. That's okay. When you were looking at your portfolios over the longer term, what sort of average rate of return would you to receive from on a yearly basis? Do you think you're wanting the highest return you can get each year, maybe 8% and above? Are you comfortable with, say, six to 8%, four to 6%, or just two to 4%?\n\nWhat are you sorta aiming for on a yearly basis, do you think?\n\nChannel 1: Yeah. No. I'd like to keep it up around that 8%. Like, I was happy\n\nChannel 0: Yep.\n\nChannel 1: with what what I got last year, but, yeah, if we\n\nChannel 0: Yep.\n\nChannel 1: can even achieve more, happy days. I mean,\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Yeah. The more,\n\nChannel 0: Perfect.\n\nChannel 1: the better.\n\nChannel 0: Perfect. And you sorta went through when you saw that bit of a drop and you know the markets go up and down. You weren't overly concerned with that big drop in the gold\n\nChannel 1: No.\n\nChannel 0: over the last few months. But if we did see, like, if Trump made a tweet next year or this year and the and the whole market took a little bit of a dip, do you think that sort of scenario might make you feel worried about your investments,\n\nChannel 1: Yep.\n\nChannel 0: not concerned at all, you know it'll come back, or a little bit anxious? How do you think you might feel in that scenario?\n\nChannel 1: I I think, you know, I'll probably feel a bit worried about it, but to\n\nChannel 0: Yep.\n\nChannel 1: the point that I know it will come back, like,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I'm I'm not worried\n\nChannel 0: Yep.\n\nChannel 1: that I'm\n\nChannel 0: Beautiful.\n\nChannel 1: gonna lose it all. I think it\n\nChannel 0: I like\n\nChannel 1: you\n\nChannel 0: that.\n\nChannel 1: know? Yeah. I've I've watched it for nearly two or three years or so. Now I know it comes up\n\nChannel 0: Yeah.\n\nChannel 1: and down, up and down. It's not it's not huge.\n\nChannel 0: Absolutely. No. Perfect. Well, thank you so much for that. Having a look at things, you are sort of still in that defensive environment there.\n\nI probably wouldn't wanna bring you out of that because you are in that retirement phase. You still you\n\nChannel 1: Yep.\n\nChannel 0: need your super to be growing, but you also needed to produce income for you moving\n\nChannel 1: Yep.\n\nChannel 0: forward.\n\nChannel 1: Absolutely.\n\nChannel 0: So given your time horizon and your risk tolerance there, I would probably keep you in that same sort of risk category, but we can look at maybe adjusting your super and pension. So as I said before, in the accumulation, the super side, we have a little bit more risk there trying to attain a bit more growth, but then we have a little bit less risk in the pension, more income producing so you can get those income payments drawn down, and then making sure between the two accounts overarching that you're within that risk profile. Does that\n\nChannel 1: Uh-huh. Yep.\n\nChannel 0: sound okay to you if I play\n\nChannel 1: Yeah.\n\nChannel 0: around with that and try to get\n\nChannel 1: Yep.\n\nChannel 0: it working better for you? Perfect.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Excellent. And, look, honestly, your pension account has done quite well. All the investments in there are up. And, overall, when I look at it over the last twelve months there, your\n\nChannel 1: Yep.\n\nChannel 0: pension account itself has made about 7%. So it's still producing enough income that whilst we're drawing down more than what it is making, that income that it's producing is offsetting some of your drawdown. So that is helping to to make it last a bit longer. Okay?\n\nChannel 1: Yep. Okay. So\n\nChannel 0: Yep.\n\nChannel 1: it's still doing quite nicely.\n\nChannel 0: It is doing really well. Yeah. But we'll definitely look at maybe moving that that hybrid investment, and I'll just look at what else we can do to give you a bit more growth growth in the super side for you. Okay?\n\nChannel 1: Sounds good.\n\nChannel 0: Perfect.\n\nChannel 1: Okay.\n\nChannel 0: Excellent. I\n\nChannel 1: Alright.\n\nChannel 0: just wanted to also run over those assets just to see if any values have changed while I'm updating the advice for you. Your main primary residence there, I know house values has still been going up even though, you know, everything else is going up too.\n\nChannel 1: Yeah.\n\nChannel 0: Have you looked at what the value might be or what estimated value you might have on your house at the moment?\n\nChannel 1: Oh, I don't know, Dana. It's obviously\n\nChannel 0: No.\n\nChannel 1: putting the pool in and the solar. I mean, I don't know. Last time I had the real estate out, you know, like, it was there's still a bit of work to be done to finish it off.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, they were saying 1.5 to 1.6. So\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: Perfect. Excellent. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: That\n\nChannel 1: Yeah.\n\nChannel 0: is excellent. And mortgage wise,\n\nChannel 1: Yeah.\n\nChannel 0: we had just under 200,000. We had it noted last year about a 199,000 owing there. Is there a bit less on that now, or is that kind of gone up with the changes on the\n\nChannel 1: No.\n\nChannel 0: fixed\n\nChannel 1: No.\n\nChannel 0: rate dropping off?\n\nChannel 1: Sitting at one I had a look at that this morning. I think it's $1.95.\n\nChannel 0: Yeah.\n\nChannel 1: At at the moment, $1.94, nearly $1.95. So\n\nChannel 0: Yep.\n\nChannel 1: yeah.\n\nChannel 0: Perfect. Excellent. The the m u x, we had a value of that of about 90,000 because you'd\n\nChannel 1: Yep.\n\nChannel 0: not sort of long sorry. Purchased it. What sort of value would you put on that now, do you think?\n\nChannel 1: I reckon probably still 75. I mean, it's done nothing. Absolutely nothing. It's been nowhere. It's only got the 34,000 on the clock after two years.\n\nChannel 0: Yep. Okay.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Wow. That's\n\nChannel 1: Yeah.\n\nChannel 0: fantastic. Excellent.\n\nChannel 1: Yeah.\n\nChannel 0: And home and contents insurance, the value of your contents there was about 80,000. Would you\n\nChannel 1: Yeah.\n\nChannel 0: alter that, or you think it's still the same? Yep.\n\nChannel 1: Oh, no. That's still roughly the same.\n\nChannel 0: Yep. That's\n\nChannel 1: Yeah.\n\nChannel 0: okay. Not\n\nChannel 1: Yeah.\n\nChannel 0: an issue\n\nChannel 1: Yeah.\n\nChannel 0: at all. Since you came on board with us, have you spoken to the solicitor and updated your will at all or\n\nChannel 1: Yeah.\n\nChannel 0: power\n\nChannel 1: I have.\n\nChannel 0: of attorneys\n\nChannel 1: I've done.\n\nChannel 0: or anything like\n\nChannel 1: Yep.\n\nChannel 0: that?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: I've done all that. Yep.\n\nChannel 0: Beautiful. All updated.\n\nChannel 1: Yep.\n\nChannel 0: Excellent. And I'm just double checking that we have everything on our end done with beneficiaries as well. So we have down here a beneficiary on super. We have it binding non lapsing to Dylan\n\nChannel 1: Yep. That's right.\n\nChannel 0: for a 100%. And\n\nChannel 1: Yep.\n\nChannel 0: I'll just double check this one as well, making sure that everything is correct. And beneficiary for the pension account, again, is a 100% to Dylan.\n\nChannel 1: Yep.\n\nChannel 0: So you're happy\n\nChannel 1: Yep.\n\nChannel 0: with how those are structured?\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Absolutely. Yep.\n\nChannel 0: Beautiful. Excellent. Is there anything else that you might have purchased that might you might wanna note down as an asset for value? Or\n\nChannel 1: No. I don't think so, Dana.\n\nChannel 0: No.\n\nChannel 1: Yeah. No. Not really. Anything\n\nChannel 0: No. It's\n\nChannel 1: that\n\nChannel 0: okay.\n\nChannel 1: I've basically taken out, it's just gone straight back into the house, like the pool and the\n\nChannel 0: Yep.\n\nChannel 1: backup. And I I\n\nChannel 0: Yep.\n\nChannel 1: brought some water tanks, some new water\n\nChannel 0: Yep.\n\nChannel 1: tanks for the house. So, yeah, there was another, I don't know, $5,000. So but, yeah, that's pretty much it,\n\nChannel 0: Yep.\n\nChannel 1: really.\n\nChannel 0: No. That's okay. Not a problem. And do you have any other goals that you're wanting to achieve over the next one to two to three to five years at all, or is it\n\nChannel 1: Yep.\n\nChannel 0: just sort of helping out Dylan at the moment and and enjoying your life?\n\nChannel 1: Pretty much. I just wanna see that grow\n\nChannel 0: Yeah.\n\nChannel 1: as much as possible. Once once I've\n\nChannel 0: Yep.\n\nChannel 1: helped Dylan with his money, that's pretty much it for me then. You know,\n\nChannel 0: Yep.\n\nChannel 1: this has sort of come out of left field, but I said to him, I'll do what I can to help him with this one. But after that, you know, like, I I\n\nChannel 0: Yeah.\n\nChannel 1: don't really I just wanna see that grow, grow, grow, grow, grow, grow. You know what?\n\nChannel 0: Absolutely.\n\nChannel 1: Nothing\n\nChannel 0: Yeah.\n\nChannel 1: would make me happier than to see it absolutely skyrocket every single\n\nChannel 0: Yeah.\n\nChannel 1: month.\n\nChannel 0: Abs and you like to log in and have a look and see where the money's\n\nChannel 1: Oh, I\n\nChannel 0: invested\n\nChannel 1: do.\n\nChannel 0: in all the individual investments there, don't\n\nChannel 1: Yep.\n\nChannel 0: you? Yeah.\n\nChannel 1: Yep. I\n\nChannel 0: Perfect.\n\nChannel 1: sure do. I I like to follow it every day.\n\nChannel 0: Good. Oh, that's really good. See, I love this sort of thing when people like to look at their super and see it moving\n\nChannel 1: Yep.\n\nChannel 0: and growing and understand\n\nChannel 1: Yeah.\n\nChannel 0: it. It's it's it's good.\n\nChannel 1: Yeah. Well,\n\nChannel 0: Fantastic.\n\nChannel 1: I do I follow the ASX every day, and I've got it downloaded on my phone. So I watch the goals\n\nChannel 0: Yeah.\n\nChannel 1: every day. And then,\n\nChannel 0: Beautiful.\n\nChannel 1: you know, I'll look and go, it's been a shit day today, and then I'll hop on. I'll have a look at it up and go, okay. It's definitely not good today.\n\nChannel 0: Yeah.\n\nChannel 1: But yeah. Yeah. It's nice\n\nChannel 0: Oh,\n\nChannel 1: to see\n\nChannel 0: no.\n\nChannel 1: when it goes up.\n\nChannel 0: Absolutely. No. Honestly, look, you're doing really well so far. I just wanna make sure it continues to work for you. And it's important\n\nChannel 1: Yep.\n\nChannel 0: to note that we are updating investments on a regular basis too because what\n\nChannel 1: Yep.\n\nChannel 0: works now or what was working last year may not be working in the future. And it's\n\nChannel 1: Yep.\n\nChannel 0: good to try and get out that those bank hybrids now whilst we can\n\nChannel 1: Yeah. Let's\n\nChannel 0: before\n\nChannel 1: get\n\nChannel 0: the\n\nChannel 1: rid\n\nChannel 0: government\n\nChannel 1: of those.\n\nChannel 0: forces\n\nChannel 1: Yep.\n\nChannel 0: us to down the track. So\n\nChannel 1: Yep.\n\nChannel 0: we'll find something\n\nChannel 1: Yep.\n\nChannel 0: better, and I'll make sure\n\nChannel 1: Yep.\n\nChannel 0: whatever's working gonna limit CGT consequences inside Super.\n\nChannel 1: Yep.\n\nChannel 0: And, yeah, I'll show you. We'll organize that withdrawal for you as well. Okay?\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Lovely. Thank you so much for your time. It's always a pleasure, Julie. I love chatting to\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: I'm just always chatting to you too.\n\nChannel 0: Thank you. I'll get stuck into the research for you. I've\n\nChannel 1: Alright.\n\nChannel 0: got you booked in there for the March 2. Sorry\n\nChannel 1: Yeah.\n\nChannel 0: to go through the advice document. And then if there's anything that comes up in the meantime, you know where I am, let me know, and I can always adjust things\n\nChannel 1: Yep.\n\nChannel 0: around.\n\nChannel 1: Yep.\n\nChannel 0: Okay?\n\nChannel 1: Nope. It sounds good, Jana. That's\n\nChannel 0: Beautiful. Thank you so much for your time.\n\nChannel 1: perfect.\n\nChannel 0: I'll let you go. You have a good afternoon. Stay\n\nChannel 1: You\n\nChannel 0: cool.\n\nChannel 1: too. Yeah. You too's on. Okay. Talk\n\nChannel 0: Thanks,\n\nChannel 1: soon.\n\nChannel 0: Julie.\n\nChannel 1: Bye.\n\nChannel 0: See you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hi, Donna.","start":2.48,"end":3.22,"sentiment":"neutral","sentiment_score":0.08734721317887306}],"sentiment":"neutral","sentiment_score":0.08734721317887306,"channel":1,"num_words":2,"start":2.48,"end":3.22},{"sentences":[{"text":"Hi, Julie.","start":3.6799998,"end":4.3199997,"sentiment":"neutral","sentiment_score":0.1689988523721695},{"text":"How are you today?","start":4.3199997,"end":5.38,"sentiment":"neutral","sentiment_score":0.24233673885464668}],"sentiment":"neutral","sentiment_score":0.21789077669382095,"channel":0,"num_words":6,"start":3.6799998,"end":5.38},{"sentences":[{"text":"Yeah.","start":5.7599998,"end":6.08,"sentiment":"neutral","sentiment_score":0.31589266657829285},{"text":"I'm good.","start":6.08,"end":6.48,"sentiment":"positive","sentiment_score":0.4966709017753601},{"text":"How are 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They also discuss options for updating advice and investing in physical gold and silver, as well as potential risks and benefits of investing in physical gold and silver. The representative suggests withdrawing money and adjusting risk profiles, and they plan to update the investment portfolio later. The customer expresses concern about the drop in gold prices and their desire to see growth in retirement savings. They also discuss updating their investments and organizing a withdrawal for the customer. The call ends with a follow-up call scheduled for March 2."},"intents":{"segments":[{"text":"I had you booked in to go see your annual review. Is now still a good time there for you? Hey.","start_word":19,"end_word":39,"intents":[{"intent":"Confirm meeting","confidence_score":0.00014416204}]},{"text":"Now I had a bit of a look back at your super, so I will send you these documents afterwards. This is for you as a different system to DocuSign. I know the Internet's a bit patchy where you are as well. So I'll just run through these for you, and then I'll send them through to you after the call. That way, you can have a good really good look at everything and review anything Yep.","start_word":339,"end_word":415,"intents":[{"intent":"Review super","confidence_score":0.69186354}]},{"text":"at doing is updating the advice for you. I do wanna do a bit of a refresh on the pension. So that's basically encompasses moving the pension back into super and then moving some more money back into pension. That way, we're keeping as much as we can sheltered in that super side of things, but Yeah. we also need to keep enough money sitting in your pension account to give you pension payments as well. Okay? 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We can definitely look to retain that for you, but they won't let us put any more physical gold in there.","start_word":1479,"end_word":1524,"intents":[{"intent":"Retain physical gold","confidence_score":0.5259232}]},{"text":"look at maybe reducing that back a bit? You're only getting about $85.94 more than what you sort of wanted, or do you feel with the cost of living increasing that extra money is needed and appropriate?","start_word":1686,"end_word":1722,"intents":[{"intent":"Increase income","confidence_score":0.240528}]},{"text":"in saying that, I've had a chat to Dylan. He had his review with you just before Christmas, and Yep. he sort of he he's really happy with where that's going. He was Oh, good.","start_word":1789,"end_word":1823,"intents":[{"intent":"Review investments","confidence_score":0.00878742}]},{"text":"But I I'd like to help Dylan out in the next couple of weeks Mhmm.","start_word":1826,"end_word":1840,"intents":[{"intent":"Help dylan","confidence_score":0.0069585396}]},{"text":"But, yeah, I'm looking at lending him probably $20,000 to try and get the battery backup system on his solar so he no longer has to have electricity bill Okay.","start_word":1889,"end_word":1918,"intents":[{"intent":"Lender solar system","confidence_score":0.0034329093}]},{"text":"But under Centrelink rules, they have rules around gifting. So, essentially, under their rules, you can only gift $10,000 on a yearly basis and no more than 30,000 over five years. So Okay.","start_word":1961,"end_word":1993,"intents":[{"intent":"Disclose gifting rules","confidence_score":0.3565242}]},{"text":"in order to give him like, if they come back and ask you to update your circumstances, they say, have you gifted this money?","start_word":1994,"end_word":2017,"intents":[{"intent":"Update circumstances","confidence_score":0.63440484}]},{"text":"Otherwise, as part of the advice structure, I could always look at maybe drawing 10,000 now and maybe 10,000 if he's comfortable with maybe doing that over two financial years, we do it around June or July.","start_word":2150,"end_word":2186,"intents":[{"intent":"Draw money","confidence_score":0.37705857},{"intent":"Draw","confidence_score":0.0004946643}]},{"text":"Is that something that might be worth a conversation with him about? Yeah.","start_word":2221,"end_word":2233,"intents":[{"intent":"Discuss with the speaker","confidence_score":0.0030349712}]},{"text":"What I was paying in house payments now, I'm paying just in interest alone. Absolutely. Oh, okay.","start_word":2868,"end_word":2884,"intents":[{"intent":"Clarify payment details","confidence_score":0.00403856}]},{"text":"If I would be able to, I'd be able to present the advice to you the March. Is that gonna be okay? Yeah.","start_word":3416,"end_word":3438,"intents":[{"intent":"Present advice","confidence_score":0.36905882},{"intent":"Provide advice","confidence_score":0.007658229}]},{"text":"And then how long would it take for Hub to do the drawdown or wherever we take it from? We just make that as a priority, and we get that done as quickly as possible from wherever I take it from. It won't take long to withdraw the funds out, and we can allocate Yep. funds being drawn out of a specific investment if we need to.","start_word":3457,"end_word":3523,"intents":[{"intent":"Assist with drawing","confidence_score":0.0022514663}]},{"text":"Well, what we'll do is with a full refresh is we'll essentially move everything in pension back to super. We'll withdraw the funds out of the one account to make it easier, and then we'll move some money back into pension. It's generally a pretty quick process to refresh. They just move everything back into super and then just basically transfer things back into pension with a new amount. Yep.","start_word":3569,"end_word":3638,"intents":[{"intent":"Transfer funds to super","confidence_score":0.0139120575}]},{"text":"I might invest some of that money. We don't wanna leave too much Citi No. in cash because the cash account essentially costs you money. So Yeah. Yep.","start_word":3695,"end_word":3722,"intents":[{"intent":"Evaluate cash investments","confidence_score":0.08560451}]},{"text":"And he goes, oh, mom, you know yeah. He he said, I don't like to ask. And I said, well, at the end of the day, I'm not gonna ask him for it back, Dana. You know? Yeah.","start_word":4012,"end_word":4049,"intents":[{"intent":"Request refund","confidence_score":0.0006650845}]},{"text":"I just thought if I can take take the electricity bill away for him. You know? Yeah. Yep.","start_word":4152,"end_word":4169,"intents":[{"intent":"Save electricity bill","confidence_score":0.00032146697}]},{"text":"Did you want to so that when so that week, the March 2 onwards, I don't have any bookings in my calendar that week. Did you wanna pick a day that would suit you better that week so far? No.","start_word":4321,"end_word":4360,"intents":[{"intent":"Book meeting","confidence_score":0.0065525444}]},{"text":"When you were looking at your portfolios over the longer term, what sort of average rate of return would you to receive from on a yearly basis? Do you think you're wanting the highest return you can get each year, maybe 8% and above? Are you comfortable with, say, six to 8%, four to 6%, or just two to 4%?","start_word":4800,"end_word":4859,"intents":[{"intent":"Analyze portfolios","confidence_score":0.073299386}]},{"text":"I I think, you know, I'll probably feel a bit worried about it, but to Yep. the point that I know it will come back, like, Yep. yeah, I'm I'm not worried Yep. that I'm Beautiful. gonna lose it all. I think it I like you that. know? Yeah.","start_word":5027,"end_word":5075,"intents":[{"intent":"Acquire feedback","confidence_score":0.000033131484}]},{"text":"Have you looked at what the value might be or what estimated value you might have on your house at the moment?","start_word":5482,"end_word":5503,"intents":[{"intent":"Check asset value","confidence_score":0.0050070784}]},{"text":"So we have down here a beneficiary on super. We have it binding non lapsing to Dylan Yep. That's right.","start_word":5825,"end_word":5844,"intents":[{"intent":"Update and confirm beneficiary information","confidence_score":0.000061537816}]},{"text":"Is there anything else that you might have purchased that might you might wanna note down as an asset for value? Or No.","start_word":5892,"end_word":5914,"intents":[{"intent":"Note asset value","confidence_score":0.038363278}]},{"text":"So, yeah, there was another, I don't know, $5,000. So but, yeah, that's pretty much it, Yep. really.","start_word":5965,"end_word":5982,"intents":[{"intent":"Assist with debt","confidence_score":0.00073579163}]},{"text":"Once once I've Yep. helped Dylan with his money, that's pretty much it for me then. You know, Yep.","start_word":6045,"end_word":6063,"intents":[{"intent":"Assist with money","confidence_score":0.0025552877}]},{"text":"Once once I've Yep. helped Dylan with his money, that's pretty much it for me then. You know, Yep. this has sort of come out of left field, but I said to him, I'll do what I can to help him with this one. But after that, you know, like, I I Yeah.","start_word":6045,"end_word":6097,"intents":[{"intent":"Help dylan with debt","confidence_score":0.00012557575},{"intent":"Help dylan with debt","confidence_score":0.10698317}]},{"text":"would make me happier than to see it absolutely skyrocket every single Yeah. month.","start_word":6117,"end_word":6130,"intents":[{"intent":"Evaluate investment results","confidence_score":0.0005189787}]}]},"sentiments":{"segments":[{"text":"Hi, Donna. Hi, Julie. How are you today? Yeah.","start_word":0,"end_word":8,"sentiment":"neutral","sentiment_score":0.1905234158039093},{"text":"I'm good. How are you? I'm very well. Thank you. I had you booked in to go see your annual review.","start_word":9,"end_word":29,"sentiment":"positive","sentiment_score":0.4496552646160126},{"text":"Is now still a good time there for you? Hey. Yeah. Yeah. Sure. Yep.","start_word":30,"end_word":43,"sentiment":"neutral","sentiment_score":0.18034715950489044},{"text":"I'm Fantastic.","start_word":44,"end_word":45,"sentiment":"positive","sentiment_score":0.3641173839569092},{"text":"It's but it's hot up there at sick. the moment. How's your pool going for you? Oh, it's lovely. And, yes, I bet it is it hot. is.","start_word":46,"end_word":73,"sentiment":"neutral","sentiment_score":-0.02264806628227234},{"text":"It's filthy.","start_word":74,"end_word":75,"sentiment":"negative","sentiment_score":-0.4655555486679077},{"text":"Gosh. Yeah.","start_word":76,"end_word":77,"sentiment":"neutral","sentiment_score":-0.23648284375667572},{"text":"It's really bad today. It has been. I worked from home yesterday because my son was unwell, and, yeah, it just was a scorcher.","start_word":78,"end_word":101,"sentiment":"negative","sentiment_score":-0.47269776463508606},{"text":"And, I mean, I'm down here on the Gold Coast, so you're more up and inland, so you'd feel it a lot more than I would. Yeah. The humidity didn't let up yesterday. It was 91, and that was about from 05:00 in the morning all the way through. It Oh, was just wow. hard. And I think it Oh, got to 33 with 91 humidity. So, yeah, it was bad. That is a lot, isn't it? Yeah. Oh my goodness. Wow. And today's not much better. No. Definitely not. Well, I'll try not to take up too much of your time, but Oh, just you're wanna alright. run through things and give you a bit of an update there. And I've had a bit of a look, and we can definitely look at, you know, maybe updating the advice for you, which should be fantastic. Before I Yep. jump into the call completely, I do have to let you know we do record our calls for quality and training purposes. Are you happy for Yeah. me to proceed with that? Beautiful. Yeah. Sure. I will. Yeah. Lovely. And I'm discussing your personal information. So I'd like to be security conscious. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Julie Ruth, 05/09/1964, 152 Pacific Yep. Drive, Barra. Beautiful.","start_word":102,"end_word":332,"sentiment":"neutral","sentiment_score":-0.05156927928328514},{"text":"Thank you so much for that.","start_word":333,"end_word":338,"sentiment":"positive","sentiment_score":0.7923577427864075},{"text":"Now I had a bit of a look back at your super, so I will send you these documents afterwards. This is for you as a different system to DocuSign. I know the Internet's a bit patchy where you are as well. So I'll just run through these for you, and then I'll send them through to you after the call. That way, you can have a good really good look at everything and review anything Yep. you've got there. Okay? Yep. Yep. Now we did do that nice big withdrawal in around about sort of the November 20 there.","start_word":339,"end_word":438,"sentiment":"neutral","sentiment_score":0.13882184028625488},{"text":"So having a look at your super, it has sort of seen good growth since then.","start_word":439,"end_word":454,"sentiment":"positive","sentiment_score":0.3810289800167084},{"text":"Looking at Yes. your super, you've received about 2.76% as an internal rate of return. That's from the twenty second of the eleventh until now. So oh, Okay. sorry. That's from the twenty second of the eleventh until sort of January, the January there.","start_word":455,"end_word":498,"sentiment":"neutral","sentiment_score":0.12635040283203125},{"text":"So your portfolio Yep. has shown some good recovery, which is great.","start_word":499,"end_word":510,"sentiment":"positive","sentiment_score":0.5091425776481628},{"text":"When Yep. we look at a 2% return for the amount of money you have in super, it actually shows your earnings as about 20,163. So Yeah. I it looked made at that. that Yep.","start_word":511,"end_word":545,"sentiment":"neutral","sentiment_score":0.2564842700958252},{"text":"20,000 back, which is really good to see.","start_word":546,"end_word":553,"sentiment":"positive","sentiment_score":0.4265947341918946},{"text":"Okay? Yes.","start_word":554,"end_word":555,"sentiment":"neutral","sentiment_score":0.2346407175064087},{"text":"So Yes. you you are on track to making that money back, which is good.","start_word":556,"end_word":570,"sentiment":"positive","sentiment_score":0.5020169019699097},{"text":"One of the things we definitely did talk about last time we spoke was that you wanted to look at maybe having some more commodities, maybe some silver and things in your portfolio. Is that still where Yeah. you're looking heading? Yep. Yeah. Yep.","start_word":571,"end_word":614,"sentiment":"neutral","sentiment_score":0.12934383749961853},{"text":"Beautiful.","start_word":615,"end_word":615,"sentiment":"positive","sentiment_score":0.3986579179763794},{"text":"I have had a bit of looking around at the options out there. We can definitely look at adding some of those in. So what I might even look Okay. at doing is updating the advice for you. I do wanna do a bit of a refresh on the pension. So that's basically encompasses moving the pension back into super and then moving some more money back into pension. That way, we're keeping as much as we can sheltered in that super side of things, but Yeah. we also need to keep enough money sitting in your pension account to give you pension payments as well. Okay? Yeah. Yeah. So I'll I'll do a bit of math calculating with the Centrelink side of things, making sure that we're not exceeding the cap so you're not having to, you know, lose out on any of your Centrelink payments there. Yeah. Having and I'll I'll look at maybe adding a bit more in the way of the growth investments into the super where you probably can take a little bit more risk and keeping your pension a little bit more safer with those low risk investments, more cash producing. Does that sound like something you'd be open to? Whatever you wanna do with it, Dana. Yeah.","start_word":616,"end_word":829,"sentiment":"neutral","sentiment_score":0.15051539618278215},{"text":"I I I I'm fine with that as long as it's making me money.","start_word":830,"end_word":843,"sentiment":"positive","sentiment_score":0.4139135181903839},{"text":"Yeah.","start_word":844,"end_word":844,"sentiment":"neutral","sentiment_score":0.3130015730857849},{"text":"That's okay. That's absolutely not a problem. And I'll look at those commodities.","start_word":845,"end_word":857,"sentiment":"positive","sentiment_score":0.4111548662185669},{"text":"Is there anything particular aside from the gold and the silver that might pick your interest with that you'd like to see in soup or anything else that's been on your mind? Yeah. Just I I was having a bit of a read about Copper and and a few of the other ones that are coming through at the moment, and I just, Yep. yeah, I I don't know. Whatever you think is looking really, really good at the moment or you think is gonna Yep. make some money fairly quickly or Yep. you know? Yeah. Perfect. No problem at all. I've done a little bit of research already, but I'll go back and reencompass some research and have a really good look. This is a lot more in-depth, so it will take me a couple of weeks to complete the research as a whole to make sure everything is working correctly Yep. for Yep. you. Yep. But I'll definitely come back and show you the advice document. Again, any advice we provide, Julie, is us just giving you the recommendations. You then get to take them away, read them over, decide whether you wanna take all of them, sell them, or none of them Yep. at all. It's completely up to you, and we'll just Yep. show you what that looks like. I'll outline the advantages, disadvantages, and the risks involved so you can make an informed decision. Okay? So Yeah. where's things going at the moment, Dana? Is it still looking quite good? Like, yeah, money's still like, the stocks are still doing quite well? Yeah.","start_word":858,"end_word":1125,"sentiment":"neutral","sentiment_score":0.17292681825694753},{"text":"Absolutely. So when I have a really good look at everything in detail, having a look now your super has definitely made a lot of that money back. We've made that 20,000 back from when you took the money took the funds out. Yep. You have your physical gold is doing exceptionally well.","start_word":1126,"end_word":1178,"sentiment":"positive","sentiment_score":0.5093786716461182},{"text":"Yep. So I have a look here at generally around about the last sort of twelve months there.","start_word":1179,"end_word":1196,"sentiment":"neutral","sentiment_score":0.2063097208738327},{"text":"Your physical gold has done exceptionally well in both those portfolios there.","start_word":1197,"end_word":1208,"sentiment":"positive","sentiment_score":0.4020388722419739},{"text":"In your super, it is up sorry. My computer's a little bit slow. That is the wrong one. It is up over 51.44%, so it's doing Yep. very, very well. Physical Gold has had a bit of a hit in the last couple of weeks, but it has definitely Yep. sort of shown some recovery points, but you're still up over the year. You've also got your infrastructure fund, which is more of an income fund there, and that's up over 22.51%. Yep. Thank Your you. bank hybrids, so these are, as I mentioned, more of a defensive investment. I would like to maybe look at swapping your bank hybrids out. They have given you a positive return. However, moving forward, bank hybrids, these sorts of investments are being phased out by the government, so Yep. Yep. we will have to move you out eventually. So as part Yeah. of the No. advice, Just I might look at moving that out and putting you in something like bonds, and yeah. I'll Do find that. something appropriate. Yeah. Perfect. Yeah. Yeah. Yeah. Do Excellent. that. Is this not yep. No point. Yeah. You did mention that I was pretty much at the top of how much I could buy in gold. Did you happen to have time to look at that? Is you said there was a limit on how much I could actually purchase. There is yeah. I did have a bit of a look. Now Hub twenty four at such allows you to put no more than 20% in for Right. any individual in for any individual account. And having a look at your super account at the moment, physical gold, you're at 26.1%. So you are pretty heavily overweighted in the super. We can definitely look to retain that for you, but they won't let us put any more physical gold in there. But we can look at other things. We can look at silver. We can look at other, investments that encompass maybe a bit Mhmm. of underlying gold for you as well. Yeah. Okay. Yeah. Just Yeah.","start_word":1209,"end_word":1559,"sentiment":"neutral","sentiment_score":0.05393913229051818},{"text":"anything that you think, Diana, that is coming along quite well and, yeah, you could recommend, that'd be great.","start_word":1560,"end_word":1578,"sentiment":"positive","sentiment_score":0.5155460834503174},{"text":"Yeah. Yeah. And you did suggest maybe we need to that thousand dollars or close to a thousand dollars that comes in on the tenth and the twenty fourth. You were saying something about increasing that. Yeah.","start_word":1579,"end_word":1615,"sentiment":"neutral","sentiment_score":0.06497243046760559},{"text":"So I had a really good look.","start_word":1616,"end_word":1622,"sentiment":"positive","sentiment_score":0.4716249704360962},{"text":"Between your between your Centrelink that you're getting for the disability pension and the amount that you are getting out of hub twenty four, you're actually making on a a weekly basis, you're getting about $1,085 and 94. So I know you wanted to sort of have that Yep. $1,000 on a week income side of things. Did you want me to Yeah. look at maybe reducing that back a bit? You're only getting about $85.94 more than what you sort of wanted, or do you feel with the cost of living increasing that extra money is needed and appropriate? No. I think I'm I'm actually happy with that. I I don't Yep. require anymore, to be honest. Yep. Yeah. I think we can just leave that. Yep. And the other thing I was gonna ask you, I had a look yesterday just to see how much was left in cash because I know we took the pool money out for the Yes. cash. Now Yeah. in saying that, I've had a chat to Dylan. He had his review with you just before Christmas, and Yep.","start_word":1623,"end_word":1808,"sentiment":"neutral","sentiment_score":0.05230272561311722},{"text":"he sort of he he's really happy with where that's going. He was Oh, good. insanely stoked.","start_word":1809,"end_word":1825,"sentiment":"positive","sentiment_score":0.43225517868995667},{"text":"But I I'd like to help Dylan out in the next couple of weeks Mhmm. just with he's had the solar put on and, yeah, he's sort of struggling at the moment. They're trying to do a renovation and a few other bits and bobs. And I said to him, look. I'll have a chat to Dana and just see what she thinks. But, yeah, I'm looking at lending him probably $20,000 to try and get the battery backup system on his solar so he no longer has to have electricity bill Okay. When is he sort of planning on doing that? in the next couple of weeks. Okay. Because under because you are currently on Centrelink, you can take the funds out of Super. Given your age, you've got access to it. It's fine. But under Centrelink rules, they have rules around gifting. So, essentially, under their rules, you can only gift $10,000 on a yearly basis and no more than 30,000 over five years. So Okay. in order to give him like, if they come back and ask you to update your circumstances, they say, have you gifted this money? They'll see the money come out. Like, if they ask you the bank statements, they can see where the money is being transferred to and from, and that kinda gives them a bit of an idea. But if you do have to disclose the gifting side of things and you say that you've given him $20,000 as a loan, even though he's gonna repay that, they will essentially utilize the gifting rules and allow you to have gifted 10,000. And the extra 10,000 you've gifted, they use is what's called deprived asset, which means they assess you as having that money, that extra $10,000 Right. for the next five years. So it can have an effect on your pension payments there. In saying that, I could we can look at doing that. Otherwise, as part of the advice structure, I could always look at maybe drawing 10,000 now and maybe 10,000 if he's comfortable with maybe doing that over two financial years, we do it around June or July. That way, you can do 10,000 in June, 10,000 on the July 1. You've gifted him that money, and nothing is considered as a private asset. It's not even included by Centrelink rules. Is that something that might be worth a conversation with him about? Yeah. Yeah. Okay. Yeah. I Yeah. know he wants to sort of do it fairly soon. Yeah. Yeah. If not, look, even it's one thing if you still won't take the money, you absolutely can. It's just that risk around, you know, the the deprived investment the deprived asset side of things. We don't want them to, you know, be noting or have anything noted down that's gonna give you because you are 62, obviously, you still have a bit of time before you go on to the age pension side of things, but they do just have very strict rules around that.","start_word":1826,"end_word":2334,"sentiment":"neutral","sentiment_score":-0.01632077064162051},{"text":"And I wouldn't want them to, you know, have any wrong assessments or be adding any deprived assets because they're assessing you for having money you don't actually have, which can be a negative down the track.","start_word":2335,"end_word":2371,"sentiment":"negative","sentiment_score":-0.3719375431537628},{"text":"Yeah. Right. So Yeah. okay. So The the other hang option is you could always withdraw the money, the 20,000, saying that you wanna withdraw the funds. You take it out on. and Yep. hand it to him and give it to him as a check or as a cash or something That's what like I'm that, thinking. and you just tell them you're drawing it out for some sort of purchase or large bill that you have, that is Yep. another way of getting around it. It's just that, yeah, Being very careful with what I say at the same time not to Yeah. get you Yeah. any trouble. Yeah. And Yeah. that's what I'm thinking. Maybe maybe I can do that. I can just Yep. if it goes into my account and I just go down to the bank Mhmm. and take a check out, that that way it's like, they don't know what I've used it for, No. They'll basically. see it as a withdrawal. Yeah. And they'll just come back. And if they have any questions, they'll say, hey. What was this for? I mean, you've Yeah. just put in a large pool, and you've just put in all sorts of bits and pieces, and you got home maintenance Yeah. to consider. So there is obviously that aspect depending on what you, at the time, feel you could, you know, justify. So Yeah. Well, and that's I've only got if they update your circumstances. They may not ask you to update your circumstances, so it might not be an issue. Yeah. yeah. That yeah. That might be a way that we can actually do that because I've had to spend money on on the umbrella for the pool, which was five, the hut, which was five, so that's 10. The fencing again and Yeah. all the decking, there was another 10,000 that I wasn't anticipating. So there's 20, you know, that Yeah. I can basically I've got receipts for. So Yeah.","start_word":2372,"end_word":2706,"sentiment":"neutral","sentiment_score":0.03190206329324352},{"text":"Absolutely. we could do that.","start_word":2707,"end_word":2711,"sentiment":"positive","sentiment_score":0.5482639074325562},{"text":"Yep. Yep. Abs and that's only if they come back and ask for anything. You don't have to ring them specifically and say, No. hey. I've No. lent my I'm son money not gonna or anything. no. No. I'm not gonna alert them, but, yeah, No. I'd Correct. sorta like to get this done for him as quick as I can Yeah. Yep. only because I know his mortgage repayments like his he rang me the other day and he said, I don't even know where to begin. He goes, I'm on a variable and obviously it's gone up. And I said to him, yeah. I know. So and and saying that, so if my house payment's gone up, so I came Yeah. off 2.2% and went to 4.99. Yeah. It's So, just yeah, it what makes I a was difference. paying in yeah. It does.","start_word":2712,"end_word":2857,"sentiment":"neutral","sentiment_score":-0.015169916674494743},{"text":"It's made it's made a huge difference, really.","start_word":2858,"end_word":2865,"sentiment":"positive","sentiment_score":0.3614557087421417},{"text":"Yeah. Yeah. What I was paying in house payments now, I'm paying just in interest alone. Absolutely. Oh, okay. So there's not that much coming off the principal at the moment. But, yeah, in saying that, I just said to him, look. I'll have a chat today, and I'll just see Yeah. Yep. what we can do about getting you that 20. And, yeah, I don't know where we take it from, Dana, whether I know there's 15,000 cash sitting there. Do we leave that Yep. there? What where would we take it from? Yeah. No. That's okay. I can have a look at that as part of the advice if you like. So with Yep. the withdraw, I'll just say that you need to withdraw 20,000 for, say, home maintenance. Yeah. Which is not Yep. a lie, really. I just need to, Nope. you know yeah. I've spent it. Yep. That's okay.","start_word":2866,"end_word":3018,"sentiment":"neutral","sentiment_score":-0.012085142758449696},{"text":"And as maintenance, it's absolutely fine. Not a problem at all.","start_word":3019,"end_word":3029,"sentiment":"positive","sentiment_score":0.3969495296478271},{"text":"So I can account for the extra the 20,000 withdrawal and then look at rejigging the pro the portfolio for you, and Yep. also just look at, you know, the investments within the portfolio, see how they're aligned, maybe add some additional into your super and maybe reduce back some of the risk in your pension because that's where the money is coming from. We wanna take less risk in the account that you're drawing money out and make sure income is being produced where you're super, you can afford to take a little bit more risk maybe in. Does that sound Yeah. okay? Yeah. No. That's Yep. fine. I think yeah.","start_word":3030,"end_word":3141,"sentiment":"neutral","sentiment_score":0.2292531430721283},{"text":"Beautiful. We we might do it that way.","start_word":3142,"end_word":3149,"sentiment":"positive","sentiment_score":0.4572499394416809},{"text":"So that way, Yep. like I said, the money just comes straight into my account. And, basically, Yep. I'll just go down and withdraw a check straight away and Yep. give him the check, and he can then just put it in his bank. Yep.","start_word":3150,"end_word":3194,"sentiment":"neutral","sentiment_score":0.1611371636390686},{"text":"That's okay. I can include that in the advice. It's not a problem at all. Now do you know with the advice, I do have a little bit of backlog at the moment with with all the advice I am providing for my retiree clients, which is I love.","start_word":3195,"end_word":3243,"sentiment":"positive","sentiment_score":0.3655533790588379},{"text":"Yes. But it would take me about four weeks to complete the research. Is that gonna be okay, or do you want this a little bit sooner and I can prioritize it for you a bit more? What would you how what's the time frame do you think you'd be comfortable with for this? Look, Dana. Yeah. And I know that he sorta got this guy sitting on hold for about two or three weeks. So, Yep. yeah, it's just yeah. It's That's okay. probably two or three weeks down the track. Yep. I That's I'm actually okay. I'm actually driving to Newcastle next Wednesday, Yep. and I'll have another chat to him about it. But, yeah, he's had him out for a second quote, and he's got him down to 20, Wow. which is not too bad because mine were 26,000. So, Yeah. you know Yep. and No. That's okay. I'm yeah. I can I can push this research through in the next two weeks? It's not a problem at all. If I would be able to, I'd be able to present the advice to you the March. Is that gonna be okay? Yeah. That No. is That's presenting fine. in three weeks. Is that alright? Yep. Yeah. Yeah.","start_word":3244,"end_word":3453,"sentiment":"neutral","sentiment_score":0.10617816373705864},{"text":"That's fine. Beautiful.","start_word":3454,"end_word":3456,"sentiment":"positive","sentiment_score":0.49312806129455566},{"text":"And then how long would it take for Hub to do the drawdown or wherever we take it from? We just make that as a priority, and we get that done as quickly as possible from wherever I take it from. It won't take long to withdraw the funds out, and we can allocate Yep. funds being drawn out of a specific investment if we need to. It's not a problem. Yeah.","start_word":3457,"end_word":3528,"sentiment":"neutral","sentiment_score":0.1766895055770874},{"text":"Well, in that time frame, hopefully, you know, it makes a bit more money, which is good.","start_word":3529,"end_word":3545,"sentiment":"positive","sentiment_score":0.34575340151786804},{"text":"Yeah. Do we do we leave that 15,000 sitting in the cash fund or, like, would you leave that there, do you think? Well, what we'll do is with a full refresh is we'll essentially move everything in pension back to super. We'll withdraw the funds out of the one account to make it easier, and then we'll move some money back into pension. It's generally a pretty quick process to refresh. They just move everything back into super and then just basically transfer things back into pension with a new amount. Yep. We can still be withdrawing funds in the meantime. It's not a problem. But in the process of doing that, we'll also change your investments around. So I'll double check how much we need to keep in cash, which is a minimum cash amount, but also making sure that it's within your risk profile. And Yes. I might invest some of that money. We don't wanna leave too much Citi No. in cash because the cash account essentially costs you money. So Yeah. Yep. you don't get much interest out of that at all. I'd even rather have it in that triple a cash account because it gets you better income Yep. and better interest than sitting in the cash account itself. Yeah. So we might Do just leave yeah. the minimum Do that. in cash. Yeah. Yeah. Do that. Yep. Yep.","start_word":3546,"end_word":3780,"sentiment":"neutral","sentiment_score":0.12050298160695017},{"text":"And, Beautiful.","start_word":3781,"end_word":3782,"sentiment":"positive","sentiment_score":0.4115089178085327},{"text":"yeah, and we won't touch the gold, obviously. No. We'll keep No. some gold, and I'll look at what other commodities we can add in there for you. Okay? Yeah. So whatever's Yep. coming through, like I said, Dan, I'll leave it up to you. You've got more Yeah. of a an an idea and a handle on it, obviously, on what's making money out there. But, yeah, just I know I mean, it it came back really well. I I watched it, and it got right up to 757,000, and then last week, 20,000 just got stripped straight off of it. You know? Yeah. Yeah. And I'm like, It oh my god. there's What is a pretty happening? massive dip. And Silver went through the same thing. It had seen really great massive, you know, ten, fifteen year highs. And then in one Yeah. to two days, it dropped 18%, Yeah. but it's still at a huge high. So even with the dip, it's still at higher than where it was last year. So Yeah. it's still Look still at good to have. put that. It hasn't taken me long to put the money back in for the pool. Like, I've been watching it go back in, Yeah. and I'm thinking, you know, that's that's not too bad considering. Yeah. Yeah. And that's what I said to do. And he goes, oh, mom, you know yeah. He he said, I don't like to ask. And I said, well, at the end of the day, I'm not gonna ask him for it back, Dana. You know? Yeah. I'm I'm I'm giving it to him. You know? Yeah. So, Yeah. I mean, I I helped him out last year, the year before, and I just think they've had a bit of a rough trot lately, and they Yeah. lost a baby just before Christmas. So, Sorry. Yeah.","start_word":3783,"end_word":4098,"sentiment":"neutral","sentiment_score":0.02323916611921844},{"text":"yeah, it was pretty horrific.","start_word":4099,"end_word":4103,"sentiment":"negative","sentiment_score":-0.41370829939842224},{"text":"And That's then a they lot.","start_word":4104,"end_word":4109,"sentiment":"neutral","sentiment_score":-0.16364529728889465},{"text":"turned up here for Christmas, and and it was lovely.","start_word":4110,"end_word":4119,"sentiment":"positive","sentiment_score":0.35231003165245056},{"text":"But, yeah, I just think, oh, if I can make their life a bit easier, like, seriously, Yeah.","start_word":4120,"end_word":4137,"sentiment":"neutral","sentiment_score":0.17405110597610474},{"text":"I I don't want anything. I don't need anything.","start_word":4138,"end_word":4146,"sentiment":"negative","sentiment_score":-0.43631109595298767},{"text":"You know? So Yeah. Yeah. I just thought if I can take take the electricity bill away for him. You know? Yeah. Yep. Yep. And I thought he's an electrician. He can do all the wiring and everything himself. It's Yep. just the batteries that he needs. Yeah. So No. but Absolutely. but I thought, you No. know, like, I know that it's actually I don't have electricity bill anymore, which is pretty amazing, I have to say, Yeah. which which is pretty nice. And I said to him, Yeah. look, if we can take out that bill out of the equation, that would be amazing. So, Yep. yeah, that's Yep. all I wanna do for him. Absolutely. No. Not a problem at all. I'll get that sorted.","start_word":4147,"end_word":4274,"sentiment":"neutral","sentiment_score":0.06718303263187408},{"text":"I'll prioritize that research for you, and we'll get it done.","start_word":4275,"end_word":4285,"sentiment":"positive","sentiment_score":0.3362976014614105},{"text":"I'll book you in to have it presented. I know normally mornings suit better for you. It Did doesn't you matter, Dana. I'm fine. it doesn't Whatever matter? suits you. No. Doesn't matter. That's okay. Did you want to so that when so that week, the March 2 onwards, I don't have any bookings in my calendar that week. Did you wanna pick a day that would suit you better that week so far? No. I I'm fine. Ready? Yep. Yeah. Whatever That's okay. suits you. Morning, afternoon, Not whatever day. Yep. not a problem at all. What if we book it in for that Monday the second? That way we're not holding off too much longer after Yeah. that. No. You're right. And I can put it in for, say, 02:30 Queensland time the same as today. Is that okay? Yeah. Yeah. Yeah. That's fine. Yep.","start_word":4286,"end_word":4432,"sentiment":"neutral","sentiment_score":0.06857549627216494},{"text":"Yep. Perfect. I'll pop it in there, and we will have the advice ready to go then for you.","start_word":4433,"end_word":4451,"sentiment":"positive","sentiment_score":0.5407763719558716},{"text":"Yep. Okay. Okay.","start_word":4452,"end_word":4454,"sentiment":"neutral","sentiment_score":0.22612503170967105},{"text":"Sounds And I'll good. add a text message reminder to make it easier on you.","start_word":4455,"end_word":4469,"sentiment":"positive","sentiment_score":0.36558547616004944},{"text":"Okay?","start_word":4470,"end_word":4470,"sentiment":"neutral","sentiment_score":0.2856661379337311},{"text":"It's all good.","start_word":4471,"end_word":4473,"sentiment":"positive","sentiment_score":0.45028209686279297},{"text":"No. I just Easy. needed to ask a question and, like Yeah. Of yeah. course. Yeah. But No. you know what? It's yeah. I can't take it with me. No. The Understandable. end of the end of Understandable. the day. Yeah. It's just it is what it is. You know? Like Yeah. yeah. No. You That's you just okay. do what you can do for your kids, I guess. But yeah. But, anyway, that's that's where I'm at at the moment. Yeah. But, yeah, everything else will just leave entirely up to you. Just move it around. Do whatever you need to do with it. Yeah. No. Not a problem at all.","start_word":4474,"end_word":4585,"sentiment":"neutral","sentiment_score":-0.003845065366476774},{"text":"All good.","start_word":4586,"end_word":4587,"sentiment":"positive","sentiment_score":0.48119479417800903},{"text":"Now we do have you in that sort of defensive risk profile environment where you sort of have more of those lower risk investments. Obviously, we wanna keep you in that sort of environment there when I'm looking at the investment styles. Yes. But just a couple of questions just to kind of regage your risk profile just to make sure we do have you invested correctly and that profile still fits you. Yes. If you say saw your super fall by 20% over the next six months, how do you think you might react? Do you think you'd be putting more money in? It might be a buying opportunity. Are you likely to call me and say what's going on, or do you feel like you'd be wanting to cement some losses and move some money around to something safer? Just moved some money around, Dana. Look. Yep. Do you know what? I've watched it go up. I've watched it come down. You know Yeah. what? It usually comes back at some point. Like I said, Yep. the other day, 20,000 went missing. Was I stressed? No. Because I I No. know it comes back. You know? Yeah. Yep. Yeah. It's That's it's not okay. a huge deal. No. That's okay. When you were looking at your portfolios over the longer term, what sort of average rate of return would you to receive from on a yearly basis? Do you think you're wanting the highest return you can get each year, maybe 8% and above? Are you comfortable with, say, six to 8%, four to 6%, or just two to 4%? What are you sorta aiming for on a yearly basis, do you think? Yeah. No. I'd like to keep it up around that 8%. Like, I was happy Yep. with what what I got last year, but, yeah, if we Yep.","start_word":4588,"end_word":4900,"sentiment":"neutral","sentiment_score":0.01554089164533935},{"text":"can even achieve more, happy days.","start_word":4901,"end_word":4906,"sentiment":"positive","sentiment_score":0.33421194553375244},{"text":"I mean, Yeah. yeah. Yeah. The more, Perfect.","start_word":4907,"end_word":4914,"sentiment":"neutral","sentiment_score":0.14224451780319214},{"text":"the better. Perfect.","start_word":4915,"end_word":4917,"sentiment":"positive","sentiment_score":0.3600365221500397},{"text":"And you sorta went through when you saw that bit of a drop and you know the markets go up and down. You weren't overly concerned with that big drop in the gold No. over the last few months. But if we did see, like, if Trump made a tweet next year or this year and the and the whole market took a little bit of a dip, do you think that sort of scenario might make you feel worried about your investments, Yep. not concerned at all, you know it'll come back, or a little bit anxious? How do you think you might feel in that scenario? I I think, you know, I'll probably feel a bit worried about it, but to Yep. the point that I know it will come back, like, Yep. yeah, I'm I'm not worried Yep. that I'm Beautiful. gonna lose it all. I think it I like you that. know? Yeah. I've I've watched it for nearly two or three years or so. Now I know it comes up Yeah. and down, up and down. It's not it's not huge. Absolutely. No. Perfect.","start_word":4918,"end_word":5106,"sentiment":"neutral","sentiment_score":-0.08652367296495608},{"text":"Well, thank you so much for that.","start_word":5107,"end_word":5113,"sentiment":"positive","sentiment_score":0.4857347905635834},{"text":"Having a look at things, you are sort of still in that defensive environment there. I probably wouldn't wanna bring you out of that because you are in that retirement phase. You still you Yep. need your super to be growing, but you also needed to produce income for you moving Yep. forward. Absolutely. So given your time horizon and your risk tolerance there, I would probably keep you in that same sort of risk category, but we can look at maybe adjusting your super and pension. So as I said before, in the accumulation, the super side, we have a little bit more risk there trying to attain a bit more growth, but then we have a little bit less risk in the pension, more income producing so you can get those income payments drawn down, and then making sure between the two accounts overarching that you're within that risk profile. Does that Uh-huh. Yep. sound okay to you if I play Yeah. around with that and try to get Yep. it working better for you? Perfect. Yep.","start_word":5114,"end_word":5292,"sentiment":"neutral","sentiment_score":0.06958169490098953},{"text":"Sounds good. Excellent. And, look, honestly, your pension account has done quite well. All the investments in there are up.","start_word":5293,"end_word":5312,"sentiment":"positive","sentiment_score":0.447124719619751},{"text":"And, overall, when I look at it over the last twelve months there, your Yep. pension account itself has made about 7%. So it's still producing enough income that whilst we're drawing down more than what it is making, that income that it's producing is offsetting some of your drawdown. So that is helping to to make it last a bit longer. Okay? Yep. Okay. So Yep.","start_word":5313,"end_word":5379,"sentiment":"neutral","sentiment_score":0.2649563252925873},{"text":"it's still doing quite nicely. It is doing really well.","start_word":5380,"end_word":5389,"sentiment":"positive","sentiment_score":0.5479101538658142},{"text":"Yeah. But we'll definitely look at maybe moving that that hybrid investment, and I'll just look at what else we can do to give you a bit more growth growth in the super side for you. Okay?","start_word":5390,"end_word":5426,"sentiment":"neutral","sentiment_score":0.21445354980391423},{"text":"Sounds good. Perfect.","start_word":5427,"end_word":5429,"sentiment":"positive","sentiment_score":0.581289529800415},{"text":"Okay.","start_word":5430,"end_word":5430,"sentiment":"neutral","sentiment_score":0.32610276341438293},{"text":"Excellent.","start_word":5431,"end_word":5431,"sentiment":"positive","sentiment_score":0.5237970352172852},{"text":"I Alright. just wanted to also run over those assets just to see if any values have changed while I'm updating the advice for you. Your main primary residence there, I know house values has still been going up even though, you know, everything else is going up too. Yeah. Have you looked at what the value might be or what estimated value you might have on your house at the moment? Oh, I don't know, Dana. It's obviously No. putting the pool in and the solar. I mean, I don't know. Last time I had the real estate out, you know, like, it was there's still a bit of work to be done to finish it off. Yeah. But, yeah, they were saying 1.5 to 1.6. So Okay. yeah. Perfect. Excellent. Okay. Yeah. That Yeah. is excellent. And mortgage wise, Yeah. we had just under 200,000. We had it noted last year about a 199,000 owing there. Is there a bit less on that now, or is that kind of gone up with the changes on the No. fixed No. rate dropping off? Sitting at one I had a look at that this morning. I think it's $1.95. Yeah. At at the moment, $1.94, nearly $1.95. So Yep. yeah. Perfect. Excellent. The the m u x, we had a value of that of about 90,000 because you'd Yep. not sort of long sorry. Purchased it. What sort of value would you put on that now, do you think? I reckon probably still 75. I mean, it's done nothing. Absolutely nothing. It's been nowhere. It's only got the 34,000 on the clock after two years. Yep. Okay. So Yeah. yeah. Wow. That's Yeah.","start_word":5432,"end_word":5714,"sentiment":"neutral","sentiment_score":-0.022223765030503273},{"text":"fantastic.","start_word":5715,"end_word":5715,"sentiment":"positive","sentiment_score":0.4037914276123047},{"text":"Excellent. Yeah. And home and contents insurance, the value of your contents there was about 80,000. Would you Yeah. alter that, or you think it's still the same? Yep. Oh, no. That's still roughly the same. Yep. That's Yeah. okay. Not Yeah. an issue Yeah. at all. Since you came on board with us, have you spoken to the solicitor and updated your will at all or Yeah. power I have. of attorneys I've done. or anything like Yep. that? Yeah. Yep. I've done all that. Yep.","start_word":5716,"end_word":5802,"sentiment":"neutral","sentiment_score":0.027855070650406263},{"text":"Beautiful. All updated. Yep. Excellent.","start_word":5803,"end_word":5807,"sentiment":"positive","sentiment_score":0.4781453311443329},{"text":"And I'm just double checking that we have everything on our end done with beneficiaries as well. So we have down here a beneficiary on super. We have it binding non lapsing to Dylan Yep. That's right. for a 100%. And Yep. I'll just double check this one as well, making sure that everything is correct. And beneficiary for the pension account, again, is a 100% to Dylan. Yep. So you're happy Yep. with how those are structured? Yep. Yep. Absolutely. Yep.","start_word":5808,"end_word":5889,"sentiment":"neutral","sentiment_score":0.13037699460983276},{"text":"Beautiful. Excellent.","start_word":5890,"end_word":5891,"sentiment":"positive","sentiment_score":0.5626920461654663},{"text":"Is there anything else that you might have purchased that might you might wanna note down as an asset for value? Or No. I don't think so, Dana. No. Yeah. No. Not really. Anything No. It's that okay. I've basically taken out, it's just gone straight back into the house, like the pool and the Yep. backup. And I I Yep. brought some water tanks, some new water Yep. tanks for the house. So, yeah, there was another, I don't know, $5,000. So but, yeah, that's pretty much it, Yep. really. No. That's okay. Not a problem. And do you have any other goals that you're wanting to achieve over the next one to two to three to five years at all, or is it just Yep. sort of helping out Dylan at the moment and and enjoying your life? Pretty much. I just wanna see that grow Yeah. as much as possible. Once once I've Yep. helped Dylan with his money, that's pretty much it for me then. You know, Yep. this has sort of come out of left field, but I said to him, I'll do what I can to help him with this one. But after that, you know, like, I I Yeah. don't really I just wanna see that grow, grow, grow, grow, grow, grow. You know what? Absolutely. Nothing Yeah.","start_word":5892,"end_word":6116,"sentiment":"neutral","sentiment_score":0.05224176459842258},{"text":"would make me happier than to see it absolutely skyrocket every single Yeah.","start_word":6117,"end_word":6129,"sentiment":"positive","sentiment_score":0.6302472352981567},{"text":"month. Abs and you like to log in and have a look and see where the money's Oh, I invested do. in all the individual investments there, don't Yep. you? Yeah. Yep.","start_word":6130,"end_word":6161,"sentiment":"neutral","sentiment_score":0.05589821934700012},{"text":"I Perfect. sure do. I I like to follow it every day. Good. Oh, that's really good. See, I love this sort of thing when people like to look at their super and see it moving Yep.","start_word":6162,"end_word":6198,"sentiment":"positive","sentiment_score":0.4594525098800659},{"text":"and growing and understand Yeah. it.","start_word":6199,"end_word":6204,"sentiment":"neutral","sentiment_score":0.30377644300460815},{"text":"It's it's it's good.","start_word":6205,"end_word":6208,"sentiment":"positive","sentiment_score":0.44758477807044983},{"text":"Yeah.","start_word":6209,"end_word":6209,"sentiment":"neutral","sentiment_score":0.2729167938232422},{"text":"Well, Fantastic.","start_word":6210,"end_word":6211,"sentiment":"positive","sentiment_score":0.4750458002090454},{"text":"I do I follow the ASX every day, and I've got it downloaded on my phone. So I watch the goals Yeah. every day. And then, Beautiful. you know, I'll look and go, it's been a shit day today, and then I'll hop on. I'll have a look at it up and go, okay. It's definitely not good today. Yeah. But yeah. Yeah. It's nice Oh, to see no. when it goes up. Absolutely. No. Honestly, look, you're doing really well so far. I just wanna make sure it continues to work for you. And it's important Yep. to note that we are updating investments on a regular basis too because what Yep. works now or what was working last year may not be working in the future. And it's Yep. good to try and get out that those bank hybrids now whilst we can Yeah. Let's before get the rid government of those. forces Yep. us to down the track. So Yep. we'll find something Yep. better, and I'll make sure Yep. whatever's working gonna limit CGT consequences inside Super. Yep. And, yeah, I'll show you. We'll organize that withdrawal for you as well. Okay? Okay. Sounds good.","start_word":6212,"end_word":6410,"sentiment":"neutral","sentiment_score":0.07091590017080307},{"text":"Lovely. Thank you so much for your time. It's always a pleasure, Julie. I love chatting to Yeah.","start_word":6411,"end_word":6428,"sentiment":"positive","sentiment_score":0.5422293543815613},{"text":"you. I'm just always chatting to you too.","start_word":6429,"end_word":6436,"sentiment":"neutral","sentiment_score":0.3034939765930176},{"text":"Thank you.","start_word":6437,"end_word":6438,"sentiment":"positive","sentiment_score":0.3803083896636963},{"text":"I'll get stuck into the research for you. I've Alright. got you booked in there for the March 2. Sorry Yeah. to go through the advice document. And then if there's anything that comes up in the meantime, you know where I am, let me know, and I can always adjust things Yep. around. Yep. Okay? Nope.","start_word":6439,"end_word":6495,"sentiment":"neutral","sentiment_score":0.03936324641108513},{"text":"It sounds good, Jana. That's Beautiful. Thank you so much for your time. perfect. I'll let you go. You have a good afternoon. Stay You cool.","start_word":6496,"end_word":6521,"sentiment":"positive","sentiment_score":0.6971563696861267},{"text":"too. Yeah. You too's on. Okay.","start_word":6522,"end_word":6527,"sentiment":"neutral","sentiment_score":0.23348449170589447},{"text":"Talk Thanks, soon.","start_word":6528,"end_word":6530,"sentiment":"positive","sentiment_score":0.43742987513542175},{"text":"Julie. Bye. See you later. Bye. Bye.","start_word":6531,"end_word":6537,"sentiment":"neutral","sentiment_score":0.24337191879749295}],"average":{"sentiment":"neutral","sentiment_score":0.08399643032306765}}}}