{"metadata":{"transaction_key":"deprecated","request_id":"019d8ef3-3af5-75f0-a661-373dd5962994","sha256":"9067e9411a89bb2e1dd8d7f283e5bb75569b5b3c7ac57b2bba9730b2aa04adc3","created":"2026-04-15T02:23:21.963Z","duration":1216.584,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4412,"output_tokens":100},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4937,"output_tokens":4947},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4937,"output_tokens":385}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Alana. It's Tommy here, senior adviser from. How are you doing today? I'm doing fantastic. It is a bright, beautiful day on the Gold Coast. What about your end? Sunny? Beautiful. Thank you so much for taking the time. I was giving you a call because you're booked in with Veronica today just to have a bit of a catch up on the, like, health reviews, insurances, that kind of thing. Do you still have five minutes for me? Perfect. Sorry, mate. You're just walking at the moment? No worries at all. Yeah. No. That's totally fine. Veronica was actually sick today, So I reviewed your file, had to talk to her, and wanted to give you a call because we had a few ideas for you. Before I jump into it, are you okay for the call to be recorded? Yep. And just as usual security process, I'm registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please? Amazing. Thank you so much for that, Alana. Now you've been going through quite the process when it comes to insurances, health questions, all that kind of thing. I had a pretty in-depth chat with Veronica. She basically called up every single insurer and kind of went to bat for you and just kind of argued with everybody on your behalf, and she's come up with a couple of ideas. So as a bit of a refresher, do you remember having, like, an exclusion for your lower back on the insurance policy? Does that ring a bell? Exactly right. Exactly right. Yeah. And everyone goes to, you know, chiro, physio. Sometimes you take a bit of Panadol or Nurofen or something like that. It's not like you've had a slipped disc or something like that. So we did a bit of clarifying research. And what it basically came down to is I spoke to the senior underwriter at Zurich OnePath, and they think that it's possible to get that reviewed and removed if we clarify a couple of things for them. Is that okay? So what it basically came down to was we had listed in the application that back in 2008, you were doing some general maintenance with the chiro. And then in 2022, that's when you had that back spasm. Does that ring a bell? Does that sound correct? Yep. And then what they've basically done is gone, oh, if you had there was a mention of potentially having it exacerbated at work. So what they basically linked together is saying, okay. So if you go into Cairo in 2008 and it's gradually getting worse because of work and then you have to go and seek treatment and physio and needling and medication in 2022, they're treating it as a fourteen year issue rather than separate instances. So if 2,000 eight was just exactly. Different jobs and that's right. So occupation has since changed. 2008 was basically general maintenance with the Cairo, 2022 unrelated incidents. That's kind of what they wanna clarify, and then they're happy to remove the exclusion. Oh, jeez. Perfect. Perfect. So does that sound does that actually sound, like, correct that, like, general maintenance in 2008 and then fourteen years later, they slipped over and and had that issue with the lower back and recovered from it? Does that sound correct? Cool. Easy done. Bit of bit of light duties, bit of Panadol, something like that. Couple of physio trips and done. Perfect. So if you're comfortable with this, they are happy to review it just based on just, like, a a written statement, like, literally an email. And I can basically send you through a thing with what they're after to clarify, which is basically three things. That 2008 just clarify the difference between 2008 and 2022, Then also clarify if you're having any exacerbated issues with work, which obviously you're not. And then we're basically just gonna quote, like, policy number called exclusion review in the email heading, and we've got all of the questions that they had into in that original application. We're basically just gonna clarify those questions with extra context, and then they're pretty well good to go. So if you're comfortable with that, I will package up a bit of an email for you this week just explaining that in-depth because, again, how you word things comes across a certain way to insurers. And then if you're happy to, like, respond to us clarifying, then we can forward that off and get it reviewed. Cool. The last thing I wanted to check with you was Veronica is very in-depth. She likes to check all of your options, and she did find, I think, MetLife was gonna offer you some income protection. And I just wanted to double check if you were still trying to obtain income protection or if you're just trying to review that exclusion and keep your one path policy in place. So did you want to apply for extra insurances like an income protection policy on top of what you already have? Because you've got life and disability cover. Were you wanting a third policy or just to keep this one the way it is and get that exclusion off? Yep. Sure. Yeah. So that makes it very yeah. So that makes it very affordable. There's certain things that you can do where you can change the waiting period. And I've seen this done before where you can even have on some providers a two year waiting period to click on at the end of your work one. Yeah. And yeah. Yeah. Yeah. And I even saw that they even offer you, like, a year's worth of pay for, like, life insurance and little benefits like that. Yeah. Awesome. Yeah. Cool. So what I'll do is I'll get the quotes drafted up because we'll try and kick out the waiting period just to see if it becomes affordable or not. MetLife might be a go there, one path maybe, but at least try and get that exclusion reviewed. So I'll package this up and talk to Veronica tomorrow, get some quotes, get some emails off to you, and we should be good to go from there. And you can sort of decide how you wanna go about it once we get you the info. 135. Perfect. Perfect. Perfect. And I've got all the information. Well, up to you. Because when you've got your base, you can do 70% as a maximum. So I'll just quickly work that back for you. Let's see what we're looking at at the cover amounts. 135,000, 70% monthly benefit. So you get $7,875 per month gross from that policy based on your base income. The going above base is okay, but when you go to claim, you've got to kind of show them twelve month income to kind of prove that you've earned that much to warrant protecting that much. Does that make sense? Perfect. Always. Not too much. So it's really just about gross income, a percentage of that. And if you got, say, $7,800 a month just under $2 a week before tax, would that be okay to live on for a couple of years after your work cover clicks off? Or do you wanna try and go a bit higher? That can subsidize it. So well, you can get a benefit period of up to five years. Sometimes if you're white collar, you can get age 65, but once you're in the industry that you're in, five years is the max. Yeah. And at the moment, it's still the open cut mining and all that kind of thing, isn't it? Yeah. It's just, unfortunately, mining industry always cops that extra tick down into heavier heavier risk, I guess they call it. Underground is pretty much just like a no go for anybody at the moment. Correct. So you've got that TPD cover, which is well over 500,000 plus your super as well. So it's really just to get you by for more of those short to medium term injuries. Yeah. Cool. I'll get off the quote drawn for that. We'll get that email drawn up for you for the exclusion review, and I will basically sit down with Veronica and work it out tomorrow, and we'll get back to you as soon as we can. They do overlap. So, yes, you can have multiple policies. But let's say you had a policy that covered you for a 100,000, another one that covered you for 50, and you're earned a 150, they can both fill up your maximum, but you can't have two overlapping on the same income, if that makes sense. You can't have two paying out on a $100 income and double your payments. Did they give you a solid was it 75% of your income for two years? Yeah. Or you add on, like, a super benefit on top, and, obviously, that makes it a bit more pricey, but we can always check that as well. Yeah. Beautiful. So base income plus super, two year wait, five year benefit, see what the price looks like. We'll obviously update some projections for the impact on the super. Up to you whether you wanna pay for it out of pocket, get the full tax deduction, put it through your super, let the super cover the cost, or even salary sacrifice into the super to help cover the cost and get deductions. Any preferences there? Well, what you can do then is let's say you put it through your super so it does the heavy lifting. We'll make sure it's not sliding you backwards or stopping you from getting your goal. But then if you get to a point where you can contribute to it, you can do a bit of salary sacrifice that goes in at 15% rather than your marginal rate, and you pretty much get the same outcome. So it just gives you flexibility to turn it on and off, subsidize it, get deductions, but only when you can afford to do so. Awesome. So potential with the self sag. Is there a bit of a, just out of curiosity, a bit of a maximum that you would consider putting in, or is this just something that we should revisit in six months? Yep. Perfect. I'll leave it out for now, and we'll just talk you through what it might be. Yes. Yep. Easy done. Yes. So the way it works is, let's say, well, you're on a $135. Right? So you should be right in that sort of 37% bracket around about maybe borderline 32%. So it's yeah. I'm the same way, mate. I hate it too. So the way it basically works is let's say you've got your after tax money that you've got in your bank and you chuck a thousand bucks in. You get that full deduction and you get that 37¢ on the dollar back, but then the super fund takes out its 15% because concessional contributions are 15%. So the net benefit is 22%, but you get the 37 back in your pocket. If you salary sacrifice, that happens automatically through the payroll system. They put it in pretax, and you get taxed on the leftover. So you have both options. Either do end of financial year lump sums or sales back down the line, whatever sort of fits with your lifestyle, I guess. Yeah. And if you'd wanna build your assets, property, and then you can retire in your fifties, and then super can click in after that. Yep. No worries. Easy done. So we'll make sure that we focus on, again, the underwriting side of things. Quote for the income protection, we won't touch salary sacrifice, but I'll put the premiums through super for now. And we're basically gonna try and make sure it's less than, say, 30% of your contributions to make sure it's not slowing down your growth too much. Alrighty. Perfect. Just be careful with that email once we get it through to you in, I guess, how you craft your response there. But as long as we separate them quite cleanly, you should be good to go. Do you have any questions for me, Alana? I will have to log in. I do Yeah. Yeah. The last two weeks have had a huge bounce back, which has been good. I think most people are up another three, four, 5% depending on what portfolio you're in. It'll probably take me about two minutes to bring up your account and check the performance. Are you happy to wait just a minute for me? No worries. If I go quiet for a second, it's just because I'm doing multifactor authentication. 10,000. Brilliant. Have you got one of the smartwatches to check heart rate and all that kind of thing? There you go. Okay. Here we go. Logged in. Loading up. Let's see how you've gone in the last three months. Alright. Yeah. So it went down to $1.88, and it's bounced back up to $1.98, which is just a tiny bit shy of the 200 you were sitting at two months ago. Yeah. What are you sitting at? You're in a oh, yeah. You're in a high growth. Every high growth client that we've got basically bouncing around double digits at the moment. And because you're at 200,000, we're talking 5 to $10 in a week or two, up or down. It is quite volatile. Contributions going in are bought in at a perfect little low in the market, which is good. So that's the main thing. Right? Contributions come in. Market dips get to buy all those shares and property for a cheaper price when it bounces back. Please just bear in mind the next three to six months at least, it's gonna be going up and down every week. And once it shoot through to the end, yeah, you're in a pretty good portfolio. I think Veronica's cleaned up a few investment options for you, switched out that option that was underperforming. Even that one, that's jumped up a thousand since the switchover just on its own, and all the other options are in the positive. Gold's doing well. Your American shares are doing well. Even your property's up a little bit even though most of the property funds have gone down recently, which is really strange to say. But when people sell off those funds, they tend to go down even if property is such a fantastic asset. But overall, everything's in the green pretty much. Awesome. Look. If anything else pops up where you're looking at it, you're like, oh, it's just not behaving the way I'm comfortable with, let us know. But, again, solid assets in there, high growth. You're gonna be getting those huge surges on the way up. And we've got you set for, like, an a review in a few weeks' time anyway. So I kind of wanna get Veronica just tie in your super, how the contributions are looking, the insurance changes all into one piece, if that's okay. And then you should be set for another six to twelve months, I reckon. Cool. Cool. Cool. Any other questions for me, Alana? Easy done. So if it's okay with you, once we send you this information, if you can pop that back to us over the next couple of weeks, then we'll get you booked in for that catch up with Veronica just to kind of recap and package everything up into one go. Ideally, we just update your your advice plan so you've got it all in writing, and it's current for 2026. Awesome. Well, I really appreciate you taking the time while you're on your walk. I will go talk to her first thing in the morning, and we will be in touch very soon via email and call. And we'll flick you a text once we email you. Just give you a heads up. Thanks so much, mate. You have a fantastic day. Thank you. 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afternoon, Alana. It's Tommy here, senior adviser from. How are you doing today? I'm doing fantastic. It is a bright, beautiful day on the Gold Coast.\n\nWhat about your end? Sunny? Beautiful. Thank you so much for taking the time. I was giving you a call because you're booked in with Veronica today just to have a bit of a catch up on the, like, health reviews, insurances, that kind of thing.\n\nDo you still have five minutes for me? Perfect. Sorry, mate. You're just walking at the moment? No worries at all.\n\nYeah. No. That's totally fine. Veronica was actually sick today, So I reviewed your file, had to talk to her, and wanted to give you a call because we had a few ideas for you. Before I jump into it, are you okay for the call to be recorded?\n\nYep. And just as usual security process, I'm registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please? Amazing. Thank you so much for that, Alana.\n\nNow you've been going through quite the process when it comes to insurances, health questions, all that kind of thing. I had a pretty in-depth chat with Veronica. She basically called up every single insurer and kind of went to bat for you and just kind of argued with everybody on your behalf, and she's come up with a couple of ideas. So as a bit of a refresher, do you remember having, like, an exclusion for your lower back on the insurance policy? Does that ring a bell?\n\nExactly right. Exactly right. Yeah. And everyone goes to, you know, chiro, physio. Sometimes you take a bit of Panadol or Nurofen or something like that.\n\nIt's not like you've had a slipped disc or something like that. So we did a bit of clarifying research. And what it basically came down to is I spoke to the senior underwriter at Zurich OnePath, and they think that it's possible to get that reviewed and removed if we clarify a couple of things for them. Is that okay? So what it basically came down to was we had listed in the application that back in 2008, you were doing some general maintenance with the chiro.\n\nAnd then in 2022, that's when you had that back spasm. Does that ring a bell? Does that sound correct? Yep. And then what they've basically done is gone, oh, if you had there was a mention of potentially having it exacerbated at work.\n\nSo what they basically linked together is saying, okay. So if you go into Cairo in 2008 and it's gradually getting worse because of work and then you have to go and seek treatment and physio and needling and medication in 2022, they're treating it as a fourteen year issue rather than separate instances. So if 2,000 eight was just exactly. Different jobs and that's right. So occupation has since changed.\n\n2008 was basically general maintenance with the Cairo, 2022 unrelated incidents. That's kind of what they wanna clarify, and then they're happy to remove the exclusion. Oh, jeez. Perfect. Perfect.\n\nSo does that sound does that actually sound, like, correct that, like, general maintenance in 2008 and then fourteen years later, they slipped over and and had that issue with the lower back and recovered from it? Does that sound correct? Cool. Easy done. Bit of bit of light duties, bit of Panadol, something like that.\n\nCouple of physio trips and done. Perfect. So if you're comfortable with this, they are happy to review it just based on just, like, a a written statement, like, literally an email. And I can basically send you through a thing with what they're after to clarify, which is basically three things. That 2008 just clarify the difference between 2008 and 2022, Then also clarify if you're having any exacerbated issues with work, which obviously you're not.\n\nAnd then we're basically just gonna quote, like, policy number called exclusion review in the email heading, and we've got all of the questions that they had into in that original application. We're basically just gonna clarify those questions with extra context, and then they're pretty well good to go. So if you're comfortable with that, I will package up a bit of an email for you this week just explaining that in-depth because, again, how you word things comes across a certain way to insurers. And then if you're happy to, like, respond to us clarifying, then we can forward that off and get it reviewed. Cool.\n\nThe last thing I wanted to check with you was Veronica is very in-depth. She likes to check all of your options, and she did find, I think, MetLife was gonna offer you some income protection. And I just wanted to double check if you were still trying to obtain income protection or if you're just trying to review that exclusion and keep your one path policy in place. So did you want to apply for extra insurances like an income protection policy on top of what you already have? Because you've got life and disability cover.\n\nWere you wanting a third policy or just to keep this one the way it is and get that exclusion off? Yep. Sure. Yeah. So that makes it very yeah.\n\nSo that makes it very affordable. There's certain things that you can do where you can change the waiting period. And I've seen this done before where you can even have on some providers a two year waiting period to click on at the end of your work one. Yeah. And yeah.\n\nYeah. Yeah. And I even saw that they even offer you, like, a year's worth of pay for, like, life insurance and little benefits like that. Yeah. Awesome.\n\nYeah. Cool. So what I'll do is I'll get the quotes drafted up because we'll try and kick out the waiting period just to see if it becomes affordable or not. MetLife might be a go there, one path maybe, but at least try and get that exclusion reviewed. So I'll package this up and talk to Veronica tomorrow, get some quotes, get some emails off to you, and we should be good to go from there.\n\nAnd you can sort of decide how you wanna go about it once we get you the info. 135. Perfect. Perfect. Perfect.\n\nAnd I've got all the information. Well, up to you. Because when you've got your base, you can do 70% as a maximum. So I'll just quickly work that back for you. Let's see what we're looking at at the cover amounts.\n\n135,000, 70% monthly benefit. So you get $7,875 per month gross from that policy based on your base income. The going above base is okay, but when you go to claim, you've got to kind of show them twelve month income to kind of prove that you've earned that much to warrant protecting that much. Does that make sense? Perfect.\n\nAlways. Not too much. So it's really just about gross income, a percentage of that. And if you got, say, $7,800 a month just under $2 a week before tax, would that be okay to live on for a couple of years after your work cover clicks off? Or do you wanna try and go a bit higher?\n\nThat can subsidize it. So well, you can get a benefit period of up to five years. Sometimes if you're white collar, you can get age 65, but once you're in the industry that you're in, five years is the max. Yeah. And at the moment, it's still the open cut mining and all that kind of thing, isn't it?\n\nYeah. It's just, unfortunately, mining industry always cops that extra tick down into heavier heavier risk, I guess they call it. Underground is pretty much just like a no go for anybody at the moment. Correct. So you've got that TPD cover, which is well over 500,000 plus your super as well.\n\nSo it's really just to get you by for more of those short to medium term injuries. Yeah. Cool. I'll get off the quote drawn for that. We'll get that email drawn up for you for the exclusion review, and I will basically sit down with Veronica and work it out tomorrow, and we'll get back to you as soon as we can.\n\nThey do overlap. So, yes, you can have multiple policies. But let's say you had a policy that covered you for a 100,000, another one that covered you for 50, and you're earned a 150, they can both fill up your maximum, but you can't have two overlapping on the same income, if that makes sense. You can't have two paying out on a $100 income and double your payments. Did they give you a solid was it 75% of your income for two years?\n\nYeah. Or you add on, like, a super benefit on top, and, obviously, that makes it a bit more pricey, but we can always check that as well. Yeah. Beautiful. So base income plus super, two year wait, five year benefit, see what the price looks like.\n\nWe'll obviously update some projections for the impact on the super. Up to you whether you wanna pay for it out of pocket, get the full tax deduction, put it through your super, let the super cover the cost, or even salary sacrifice into the super to help cover the cost and get deductions. Any preferences there? Well, what you can do then is let's say you put it through your super so it does the heavy lifting. We'll make sure it's not sliding you backwards or stopping you from getting your goal.\n\nBut then if you get to a point where you can contribute to it, you can do a bit of salary sacrifice that goes in at 15% rather than your marginal rate, and you pretty much get the same outcome. So it just gives you flexibility to turn it on and off, subsidize it, get deductions, but only when you can afford to do so. Awesome. So potential with the self sag. Is there a bit of a, just out of curiosity, a bit of a maximum that you would consider putting in, or is this just something that we should revisit in six months?\n\nYep. Perfect. I'll leave it out for now, and we'll just talk you through what it might be. Yes. Yep.\n\nEasy done. Yes. So the way it works is, let's say, well, you're on a $135. Right? So you should be right in that sort of 37% bracket around about maybe borderline 32%.\n\nSo it's yeah. I'm the same way, mate. I hate it too. So the way it basically works is let's say you've got your after tax money that you've got in your bank and you chuck a thousand bucks in. You get that full deduction and you get that 37¢ on the dollar back, but then the super fund takes out its 15% because concessional contributions are 15%.\n\nSo the net benefit is 22%, but you get the 37 back in your pocket. If you salary sacrifice, that happens automatically through the payroll system. They put it in pretax, and you get taxed on the leftover. So you have both options. Either do end of financial year lump sums or sales back down the line, whatever sort of fits with your lifestyle, I guess.\n\nYeah. And if you'd wanna build your assets, property, and then you can retire in your fifties, and then super can click in after that. Yep. No worries. Easy done.\n\nSo we'll make sure that we focus on, again, the underwriting side of things. Quote for the income protection, we won't touch salary sacrifice, but I'll put the premiums through super for now. And we're basically gonna try and make sure it's less than, say, 30% of your contributions to make sure it's not slowing down your growth too much. Alrighty. Perfect.\n\nJust be careful with that email once we get it through to you in, I guess, how you craft your response there. But as long as we separate them quite cleanly, you should be good to go. Do you have any questions for me, Alana? I will have to log in. I do Yeah.\n\nYeah. The last two weeks have had a huge bounce back, which has been good. I think most people are up another three, four, 5% depending on what portfolio you're in. It'll probably take me about two minutes to bring up your account and check the performance. Are you happy to wait just a minute for me?\n\nNo worries. If I go quiet for a second, it's just because I'm doing multifactor authentication. 10,000. Brilliant. Have you got one of the smartwatches to check heart rate and all that kind of thing?\n\nThere you go. Okay. Here we go. Logged in. Loading up.\n\nLet's see how you've gone in the last three months. Alright. Yeah. So it went down to $1.88, and it's bounced back up to $1.98, which is just a tiny bit shy of the 200 you were sitting at two months ago. Yeah.\n\nWhat are you sitting at? You're in a oh, yeah. You're in a high growth. Every high growth client that we've got basically bouncing around double digits at the moment. And because you're at 200,000, we're talking 5 to $10 in a week or two, up or down.\n\nIt is quite volatile. Contributions going in are bought in at a perfect little low in the market, which is good. So that's the main thing. Right? Contributions come in.\n\nMarket dips get to buy all those shares and property for a cheaper price when it bounces back. Please just bear in mind the next three to six months at least, it's gonna be going up and down every week. And once it shoot through to the end, yeah, you're in a pretty good portfolio. I think Veronica's cleaned up a few investment options for you, switched out that option that was underperforming. Even that one, that's jumped up a thousand since the switchover just on its own, and all the other options are in the positive.\n\nGold's doing well. Your American shares are doing well. Even your property's up a little bit even though most of the property funds have gone down recently, which is really strange to say. But when people sell off those funds, they tend to go down even if property is such a fantastic asset. But overall, everything's in the green pretty much.\n\nAwesome. Look. If anything else pops up where you're looking at it, you're like, oh, it's just not behaving the way I'm comfortable with, let us know. But, again, solid assets in there, high growth. You're gonna be getting those huge surges on the way up.\n\nAnd we've got you set for, like, an a review in a few weeks' time anyway. So I kind of wanna get Veronica just tie in your super, how the contributions are looking, the insurance changes all into one piece, if that's okay. And then you should be set for another six to twelve months, I reckon. Cool. Cool.\n\nCool. Any other questions for me, Alana? Easy done. So if it's okay with you, once we send you this information, if you can pop that back to us over the next couple of weeks, then we'll get you booked in for that catch up with Veronica just to kind of recap and package everything up into one go. Ideally, we just update your your advice plan so you've got it all in writing, and it's current for 2026.\n\nAwesome. Well, I really appreciate you taking the time while you're on your walk. I will go talk to her first thing in the morning, and we will be in touch very soon via email and call. And we'll flick you a text once we email you. Just give you a heads up.\n\nThanks so much, mate. You have a fantastic day. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Alana.","start":2.96,"end":4.0,"sentiment":"neutral","sentiment_score":0.2923497259616852},{"text":"It's Tommy here, senior adviser from.","start":4.0,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.21103430291016897},{"text":"How are you doing today?","start":5.92,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.1919853448867798},{"text":"I'm doing fantastic.","start":8.559999,"end":9.86,"sentiment":"positive","sentiment_score":0.7199522256851196},{"text":"It is a bright, beautiful day on the Gold Coast.","start":10.0,"end":12.0,"sentiment":"positive","sentiment_score":0.6585978150367737}],"sentiment":"positive","sentiment_score":0.4388524647112246,"num_words":27,"start":2.96,"end":12.0},{"sentences":[{"text":"What about your end?","start":12.0,"end":13.065,"sentiment":"neutral","sentiment_score":0.16346722841262817},{"text":"Sunny?","start":15.224999,"end":15.705,"sentiment":"neutral","sentiment_score":0.1828245371580124},{"text":"Beautiful.","start":15.705,"end":16.185,"sentiment":"positive","sentiment_score":0.4852926731109619},{"text":"Thank you so much for taking the time.","start":16.185,"end":17.805,"sentiment":"positive","sentiment_score":0.5822367966175079},{"text":"I was giving you a call because you're booked in with Veronica today just to have a bit of a catch up on the, like, health reviews, insurances, that kind of thing.","start":18.105,"end":26.824999,"sentiment":"neutral","sentiment_score":0.15955273038707674}],"sentiment":"neutral","sentiment_score":0.24099060585317406,"num_words":46,"start":12.0,"end":26.824999},{"sentences":[{"text":"Do you still have five minutes for me?","start":26.824999,"end":28.605,"sentiment":"neutral","sentiment_score":0.050527650862932205},{"text":"Perfect.","start":30.57,"end":31.07,"sentiment":"neutral","sentiment_score":0.1464426815509796},{"text":"Sorry, mate.","start":32.73,"end":33.13,"sentiment":"neutral","sentiment_score":-0.0319379810243845},{"text":"You're just walking at the moment?","start":33.13,"end":34.43,"sentiment":"neutral","sentiment_score":-0.010382093799610933},{"text":"No worries at all.","start":36.17,"end":37.47,"sentiment":"neutral","sentiment_score":-0.06363814789801836}],"sentiment":"neutral","sentiment_score":0.008092512953139487,"num_words":21,"start":26.824999,"end":37.47},{"sentences":[{"text":"Yeah.","start":39.53,"end":39.77,"sentiment":"neutral","sentiment_score":-0.0017441939562559128},{"text":"No.","start":39.77,"end":40.01,"sentiment":"neutral","sentiment_score":-0.03248324990272522},{"text":"That's totally fine.","start":40.01,"end":41.07,"sentiment":"neutral","sentiment_score":0.0035934398571650186},{"text":"Veronica was actually sick today, So I reviewed your file, had to talk to her, and wanted to give you a call because we had a few ideas for you.","start":41.29,"end":50.215,"sentiment":"neutral","sentiment_score":-0.07480327381441991},{"text":"Before I jump into it, are you okay for the call to be recorded?","start":50.675003,"end":54.215,"sentiment":"neutral","sentiment_score":-0.008284095076045819}],"sentiment":"neutral","sentiment_score":-0.048643319791524996,"num_words":49,"start":39.53,"end":54.215},{"sentences":[{"text":"Yep.","start":56.530003,"end":57.030003,"sentiment":"neutral","sentiment_score":0.018639234825968742},{"text":"And just as usual security process, I'm registered with ASIC as adviser 1273105.","start":57.09,"end":63.89,"sentiment":"neutral","sentiment_score":0.031752002855333},{"text":"Are you okay to confirm your date of birth and address, please?","start":63.89,"end":66.55,"sentiment":"neutral","sentiment_score":0.03490054219340285},{"text":"Amazing.","start":71.505,"end":72.005,"sentiment":"neutral","sentiment_score":0.24167919158935547},{"text":"Thank you so much for that, Alana.","start":72.064995,"end":73.524994,"sentiment":"positive","sentiment_score":0.3358099843774523}],"sentiment":"neutral","sentiment_score":0.10125208413228393,"num_words":34,"start":56.530003,"end":73.524994},{"sentences":[{"text":"Now you've been going through quite the process when it comes to insurances, health questions, all that kind of thing.","start":73.98499,"end":80.965,"sentiment":"neutral","sentiment_score":0.07136518899351359},{"text":"I had a pretty in-depth chat with Veronica.","start":81.24,"end":84.06,"sentiment":"neutral","sentiment_score":0.03857466974295676},{"text":"She basically called up every single insurer and kind of went to bat for you and just kind of argued with everybody on your behalf, and she's come up with a couple of ideas.","start":84.2,"end":94.86,"sentiment":"neutral","sentiment_score":0.05192246627719963},{"text":"So as a bit of a refresher, do you remember having, like, an exclusion for your lower back on the insurance policy?","start":95.595,"end":103.355,"sentiment":"neutral","sentiment_score":-0.05282308766618371},{"text":"Does that ring a bell?","start":103.355,"end":104.495,"sentiment":"neutral","sentiment_score":-0.0711931087076664}],"sentiment":"neutral","sentiment_score":0.022283050775779096,"num_words":89,"start":73.98499,"end":104.495},{"sentences":[{"text":"Exactly right.","start":110.490005,"end":111.47,"sentiment":"neutral","sentiment_score":-0.29364751279354095},{"text":"Exactly right.","start":113.53,"end":114.590004,"sentiment":"neutral","sentiment_score":-0.24022343754768372},{"text":"Yeah.","start":116.33,"end":116.65,"sentiment":"neutral","sentiment_score":-0.06385746598243713},{"text":"And everyone goes to, you know, chiro, physio.","start":116.65,"end":118.810005,"sentiment":"neutral","sentiment_score":0.009568523615598679},{"text":"Sometimes you take a bit of Panadol or Nurofen or something like that.","start":118.810005,"end":122.465004,"sentiment":"neutral","sentiment_score":-0.026121331951939143}],"sentiment":"neutral","sentiment_score":-0.053639557427511766,"num_words":26,"start":110.490005,"end":122.465004},{"sentences":[{"text":"It's not like you've had a slipped disc or something like that.","start":122.465004,"end":126.165,"sentiment":"neutral","sentiment_score":-0.17106339645882448},{"text":"So we did a bit of clarifying research.","start":127.985,"end":131.365,"sentiment":"neutral","sentiment_score":0.02855545049533248},{"text":"And what it basically came down to is I spoke to the senior underwriter at Zurich OnePath, and they think that it's possible to get that reviewed and removed if we clarify a couple of things for them.","start":131.585,"end":142.56,"sentiment":"neutral","sentiment_score":-0.0015245224594285613},{"text":"Is that okay?","start":142.56,"end":143.46,"sentiment":"neutral","sentiment_score":0.039859918877482414},{"text":"So what it basically came down to was we had listed in the application that back in 2008, you were doing some general maintenance with the chiro.","start":145.28,"end":154.17499,"sentiment":"neutral","sentiment_score":-0.018176178309928487}],"sentiment":"neutral","sentiment_score":-0.025607114372012966,"num_words":88,"start":122.465004,"end":154.17499},{"sentences":[{"text":"And then in 2022, that's when you had that back spasm.","start":154.39499,"end":157.515,"sentiment":"neutral","sentiment_score":-0.07788282852958549},{"text":"Does that ring a bell?","start":157.515,"end":158.47499,"sentiment":"neutral","sentiment_score":-0.04274621792137623},{"text":"Does that sound correct?","start":158.47499,"end":159.45499,"sentiment":"neutral","sentiment_score":-0.020834296476095915},{"text":"Yep.","start":161.04999,"end":161.45,"sentiment":"neutral","sentiment_score":0.012616796419024467},{"text":"And then what they've basically done is gone, oh, if you had there was a mention of potentially having it exacerbated at work.","start":161.45,"end":168.09,"sentiment":"neutral","sentiment_score":-0.21833327785134315}],"sentiment":"neutral","sentiment_score":-0.1400642723522403,"num_words":44,"start":154.39499,"end":168.09},{"sentences":[{"text":"So what they basically linked together is saying, okay.","start":168.09,"end":170.17,"sentiment":"neutral","sentiment_score":-0.14059519353840086},{"text":"So if you go into Cairo in 2008 and it's gradually getting worse because of work and then you have to go and seek treatment and physio and needling and medication in 2022, they're treating it as a fourteen year issue rather than separate instances.","start":170.17,"end":185.345,"sentiment":"neutral","sentiment_score":-0.2678932034307056},{"text":"So if 2,000 eight was just exactly.","start":185.93001,"end":189.05,"sentiment":"neutral","sentiment_score":-0.05338914931884834},{"text":"Different jobs and that's right.","start":189.05,"end":195.71,"sentiment":"neutral","sentiment_score":-0.05518404692411423},{"text":"So occupation has since changed.","start":196.17001,"end":198.59001,"sentiment":"neutral","sentiment_score":-0.07388678640127182}],"sentiment":"neutral","sentiment_score":-0.20196660715614406,"num_words":71,"start":168.09,"end":198.59001},{"sentences":[{"text":"2008 was basically general maintenance with the Cairo, 2022 unrelated incidents.","start":200.095,"end":206.35501,"sentiment":"neutral","sentiment_score":-0.06785756451162425},{"text":"That's kind of what they wanna clarify, and then they're happy to remove the exclusion.","start":206.735,"end":210.595,"sentiment":"neutral","sentiment_score":-0.027533083160718282},{"text":"Oh, jeez.","start":218.11,"end":218.85,"sentiment":"neutral","sentiment_score":-0.18709197640419006},{"text":"Perfect.","start":221.15001,"end":221.63,"sentiment":"positive","sentiment_score":0.3360116481781006},{"text":"Perfect.","start":221.63,"end":222.11,"sentiment":"neutral","sentiment_score":0.262234091758728}],"sentiment":"neutral","sentiment_score":-0.03117892233033975,"num_words":30,"start":200.095,"end":222.11},{"sentences":[{"text":"So does that sound does that actually sound, like, correct that, like, general maintenance in 2008 and then fourteen years later, they slipped over and and had that issue with the lower back and recovered from it?","start":222.11,"end":235.91501,"sentiment":"neutral","sentiment_score":-0.12896264304180402},{"text":"Does that sound correct?","start":235.91501,"end":237.05501,"sentiment":"neutral","sentiment_score":-0.03227362222969532},{"text":"Cool.","start":239.61,"end":240.11,"sentiment":"positive","sentiment_score":0.48720473051071167},{"text":"Easy done.","start":241.93001,"end":242.83,"sentiment":"positive","sentiment_score":0.6012880206108093},{"text":"Bit of bit of light duties, bit of Panadol, something like that.","start":244.17,"end":247.29001,"sentiment":"neutral","sentiment_score":0.19766272604465485}],"sentiment":"neutral","sentiment_score":-0.01498176423566682,"num_words":56,"start":222.11,"end":247.29001},{"sentences":[{"text":"Couple of physio trips and done.","start":247.29001,"end":249.07,"sentiment":"neutral","sentiment_score":0.21344094475110373},{"text":"Perfect.","start":252.105,"end":252.605,"sentiment":"positive","sentiment_score":0.7526884078979492},{"text":"So if you're comfortable with this, they are happy to review it just based on just, like, a a written statement, like, literally an email.","start":252.905,"end":260.445,"sentiment":"positive","sentiment_score":0.3771455806493759},{"text":"And I can basically send you through a thing with what they're after to clarify, which is basically three things.","start":260.825,"end":266.78,"sentiment":"neutral","sentiment_score":0.11952991336584091},{"text":"That 2008 just clarify the difference between 2008 and 2022, Then also clarify if you're having any exacerbated issues with work, which obviously you're not.","start":267.0,"end":278.955,"sentiment":"neutral","sentiment_score":-0.10079513226955897}],"sentiment":"neutral","sentiment_score":0.14717783835346512,"num_words":77,"start":247.29001,"end":278.955},{"sentences":[{"text":"And then we're basically just gonna quote, like, policy number called exclusion review in the email heading, and we've got all of the questions that they had into in that original application.","start":279.495,"end":292.05,"sentiment":"neutral","sentiment_score":0.01655530145217199},{"text":"We're basically just gonna clarify those questions with extra context, and then they're pretty well good to go.","start":292.43,"end":297.16998,"sentiment":"neutral","sentiment_score":0.2729283873405721},{"text":"So if you're comfortable with that, I will package up a bit of an email for you this week just explaining that in-depth because, again, how you word things comes across a certain way to insurers.","start":298.91,"end":309.72498,"sentiment":"neutral","sentiment_score":0.09164986754250196},{"text":"And then if you're happy to, like, respond to us clarifying, then we can forward that off and get it reviewed.","start":310.025,"end":316.365,"sentiment":"neutral","sentiment_score":0.12442547224816822},{"text":"Cool.","start":318.6,"end":319.0,"sentiment":"neutral","sentiment_score":0.1800839900970459}],"sentiment":"neutral","sentiment_score":0.10680458108739306,"num_words":108,"start":279.495,"end":319.0},{"sentences":[{"text":"The last thing I wanted to check with you was Veronica is very in-depth.","start":319.0,"end":323.0,"sentiment":"neutral","sentiment_score":0.06759842671453953},{"text":"She likes to check all of your options, and she did find, I think, MetLife was gonna offer you some income protection.","start":323.0,"end":329.58002,"sentiment":"neutral","sentiment_score":0.07535300403833389},{"text":"And I just wanted to double check if you were still trying to obtain income protection or if you're just trying to review that exclusion and keep your one path policy in place.","start":330.17502,"end":339.55502,"sentiment":"neutral","sentiment_score":0.025298172495130337},{"text":"So did you want to apply for extra insurances like an income protection policy on top of what you already have?","start":347.07,"end":353.38998,"sentiment":"neutral","sentiment_score":-0.005814923860487484},{"text":"Because you've got life and disability cover.","start":353.38998,"end":355.49,"sentiment":"neutral","sentiment_score":-0.0056253243902964255}],"sentiment":"neutral","sentiment_score":0.03378858848849369,"num_words":97,"start":319.0,"end":355.49},{"sentences":[{"text":"Were you wanting a third policy or just to keep this one the way it is and get that exclusion off?","start":355.745,"end":362.165,"sentiment":"neutral","sentiment_score":-0.026465823873877525},{"text":"Yep.","start":366.625,"end":367.125,"sentiment":"neutral","sentiment_score":0.01877831667661667},{"text":"Sure.","start":371.28,"end":371.78,"sentiment":"neutral","sentiment_score":0.031424008309841156},{"text":"Yeah.","start":384.975,"end":385.295,"sentiment":"neutral","sentiment_score":0.09036970883607864},{"text":"So that makes it very yeah.","start":385.295,"end":390.17502,"sentiment":"neutral","sentiment_score":0.19335140784581503}],"sentiment":"neutral","sentiment_score":0.02482993931819995,"num_words":30,"start":355.745,"end":390.17502},{"sentences":[{"text":"So that makes it very affordable.","start":390.17502,"end":391.535,"sentiment":"positive","sentiment_score":0.5427333315213522},{"text":"There's certain things that you can do where you can change the waiting period.","start":391.535,"end":395.69,"sentiment":"neutral","sentiment_score":0.1598321526710476},{"text":"And I've seen this done before where you can even have on some providers a two year waiting period to click on at the end of your work one.","start":395.99,"end":404.65,"sentiment":"neutral","sentiment_score":0.06725210349621444},{"text":"Yeah.","start":427.69998,"end":428.19998,"sentiment":"neutral","sentiment_score":-0.05574554577469826},{"text":"And yeah.","start":430.195,"end":433.635,"sentiment":"neutral","sentiment_score":-0.01567850448191166}],"sentiment":"neutral","sentiment_score":0.14148574179181686,"num_words":52,"start":390.17502,"end":433.635},{"sentences":[{"text":"Yeah.","start":433.635,"end":433.795,"sentiment":"neutral","sentiment_score":0.016877759248018265},{"text":"Yeah.","start":433.795,"end":434.035,"sentiment":"neutral","sentiment_score":0.039794884622097015},{"text":"And I even saw that they even offer you, like, a year's worth of pay for, like, life insurance and little benefits like that.","start":434.035,"end":440.45502,"sentiment":"neutral","sentiment_score":0.08557225593055288},{"text":"Yeah.","start":442.84998,"end":443.09,"sentiment":"neutral","sentiment_score":0.08917094022035599},{"text":"Awesome.","start":443.09,"end":443.59,"sentiment":"positive","sentiment_score":0.37454408407211304}],"sentiment":"neutral","sentiment_score":0.09193292180342334,"num_words":28,"start":433.635,"end":443.59},{"sentences":[{"text":"Yeah.","start":448.44998,"end":448.77,"sentiment":"neutral","sentiment_score":0.18312713503837583},{"text":"Cool.","start":448.77,"end":449.09,"sentiment":"neutral","sentiment_score":0.3215784430503845},{"text":"So what I'll do is I'll get the quotes drafted up because we'll try and kick out the waiting period just to see if it becomes affordable or not.","start":449.09,"end":456.975,"sentiment":"neutral","sentiment_score":0.13353990577161312},{"text":"MetLife might be a go there, one path maybe, but at least try and get that exclusion reviewed.","start":458.17502,"end":463.795,"sentiment":"neutral","sentiment_score":-0.040647975272602506},{"text":"So I'll package this up and talk to Veronica tomorrow, get some quotes, get some emails off to you, and we should be good to go from there.","start":463.935,"end":472.23,"sentiment":"neutral","sentiment_score":0.15445281990936824}],"sentiment":"neutral","sentiment_score":0.10351140581845462,"num_words":77,"start":448.44998,"end":472.23},{"sentences":[{"text":"And you can sort of decide how you wanna go about it once we get you the info.","start":472.23,"end":476.25,"sentiment":"neutral","sentiment_score":0.07985116458601421},{"text":"135.","start":479.99,"end":481.21,"sentiment":"neutral","sentiment_score":0.053362153470516205},{"text":"Perfect.","start":481.27,"end":481.77,"sentiment":"positive","sentiment_score":0.38759005069732666},{"text":"Perfect.","start":481.83,"end":482.15,"sentiment":"positive","sentiment_score":0.41598477959632874},{"text":"Perfect.","start":482.15,"end":482.65,"sentiment":"positive","sentiment_score":0.3881324231624603}],"sentiment":"neutral","sentiment_score":0.12192683497613127,"num_words":22,"start":472.23,"end":482.65},{"sentences":[{"text":"And I've got all the information.","start":483.11,"end":484.41,"sentiment":"neutral","sentiment_score":0.12694035346309343},{"text":"Well, up to you.","start":487.405,"end":488.845,"sentiment":"neutral","sentiment_score":0.11069191806018353},{"text":"Because when you've got your base, you can do 70% as a maximum.","start":488.845,"end":492.30502,"sentiment":"neutral","sentiment_score":0.1488792781646435},{"text":"So I'll just quickly work that back for you.","start":492.605,"end":495.165,"sentiment":"neutral","sentiment_score":0.20127301083670723},{"text":"Let's see what we're looking at at the cover amounts.","start":495.165,"end":497.745,"sentiment":"neutral","sentiment_score":0.018534068204462528}],"sentiment":"neutral","sentiment_score":0.12230090925558693,"num_words":42,"start":483.11,"end":497.745},{"sentences":[{"text":"135,000, 70% monthly benefit.","start":499.02,"end":502.4,"sentiment":"neutral","sentiment_score":0.06152748642489314},{"text":"So you get $7,875 per month gross from that policy based on your base income.","start":502.62,"end":511.12,"sentiment":"neutral","sentiment_score":0.11003592908382416},{"text":"The going above base is okay, but when you go to claim, you've got to kind of show them twelve month income to kind of prove that you've earned that much to warrant protecting that much.","start":512.765,"end":523.005,"sentiment":"neutral","sentiment_score":0.09693200886249542},{"text":"Does that make sense?","start":523.005,"end":524.065,"sentiment":"neutral","sentiment_score":0.08125845529139042},{"text":"Perfect.","start":526.62,"end":527.12,"sentiment":"positive","sentiment_score":0.4092004597187042}],"sentiment":"neutral","sentiment_score":0.10200725803151726,"num_words":60,"start":499.02,"end":527.12},{"sentences":[{"text":"Always.","start":528.54004,"end":529.04004,"sentiment":"neutral","sentiment_score":0.05582142621278763},{"text":"Not too much.","start":532.7,"end":533.5,"sentiment":"neutral","sentiment_score":-0.09633169323205948},{"text":"So it's really just about gross income, a percentage of that.","start":533.5,"end":537.18,"sentiment":"neutral","sentiment_score":0.0034419053223576734},{"text":"And if you got, say, $7,800 a month just under $2 a week before tax, would that be okay to live on for a couple of years after your work cover clicks off?","start":537.18,"end":548.625,"sentiment":"neutral","sentiment_score":0.034003867118647606},{"text":"Or do you wanna try and go a bit higher?","start":553.42004,"end":555.12,"sentiment":"neutral","sentiment_score":-0.020280453376471996}],"sentiment":"neutral","sentiment_score":0.01248293769333094,"num_words":58,"start":528.54004,"end":555.12},{"sentences":[{"text":"That can subsidize it.","start":562.475,"end":563.435,"sentiment":"neutral","sentiment_score":0.005007926374673843},{"text":"So well, you can get a benefit period of up to five years.","start":563.435,"end":569.055,"sentiment":"neutral","sentiment_score":0.0942196287214756},{"text":"Sometimes if you're white collar, you can get age 65, but once you're in the industry that you're in, five years is the max.","start":572.07495,"end":579.17,"sentiment":"neutral","sentiment_score":-0.014827957764888803},{"text":"Yeah.","start":587.87,"end":588.37,"sentiment":"neutral","sentiment_score":-0.015314213000237942},{"text":"And at the moment, it's still the open cut mining and all that kind of thing, isn't it?","start":588.965,"end":593.78503,"sentiment":"neutral","sentiment_score":-0.06806162123878796}],"sentiment":"neutral","sentiment_score":-0.005856791712964575,"num_words":60,"start":562.475,"end":593.78503},{"sentences":[{"text":"Yeah.","start":595.04504,"end":595.28503,"sentiment":"neutral","sentiment_score":-0.07726782560348511},{"text":"It's just, unfortunately, mining industry always cops that extra tick down into heavier heavier risk, I guess they call it.","start":595.28503,"end":603.07996,"sentiment":"neutral","sentiment_score":-0.24190817177295684},{"text":"Underground is pretty much just like a no go for anybody at the moment.","start":603.77997,"end":606.92,"sentiment":"neutral","sentiment_score":-0.21858092291014536},{"text":"Correct.","start":612.995,"end":613.495,"sentiment":"neutral","sentiment_score":0.007815930992364883},{"text":"So you've got that TPD cover, which is well over 500,000 plus your super as well.","start":613.555,"end":619.15497,"sentiment":"neutral","sentiment_score":-0.05933149065822363}],"sentiment":"neutral","sentiment_score":-0.17148177117968982,"num_words":52,"start":595.04504,"end":619.15497},{"sentences":[{"text":"So it's really just to get you by for more of those short to medium term injuries.","start":619.15497,"end":622.77496,"sentiment":"neutral","sentiment_score":-0.1465410787393065},{"text":"Yeah.","start":632.13,"end":632.45,"sentiment":"neutral","sentiment_score":0.3051459789276123},{"text":"Cool.","start":632.45,"end":632.69,"sentiment":"positive","sentiment_score":0.5545968413352966},{"text":"I'll get off the quote drawn for that.","start":632.69,"end":634.63,"sentiment":"positive","sentiment_score":0.3402848541736603},{"text":"We'll get that email drawn up for you for the exclusion review, and I will basically sit down with Veronica and work it out tomorrow, and we'll get back to you as soon as we can.","start":635.01,"end":644.045,"sentiment":"neutral","sentiment_score":0.18607369851734903}],"sentiment":"neutral","sentiment_score":0.12364248351918326,"num_words":63,"start":619.15497,"end":644.045},{"sentences":[{"text":"They do overlap.","start":651.625,"end":652.605,"sentiment":"neutral","sentiment_score":-0.09862040479977925},{"text":"So, yes, you can have multiple policies.","start":653.11,"end":655.29004,"sentiment":"neutral","sentiment_score":0.01758481322654656},{"text":"But let's say you had a policy that covered you for a 100,000, another one that covered you for 50, and you're earned a 150, they can both fill up your maximum, but you can't have two overlapping on the same income, if that makes sense.","start":655.59,"end":668.965,"sentiment":"neutral","sentiment_score":-0.009724740931035383},{"text":"You can't have two paying out on a $100 income and double your payments.","start":668.965,"end":672.98505,"sentiment":"neutral","sentiment_score":-0.06015594223780291},{"text":"Did they give you a solid was it 75% of your income for two years?","start":677.86,"end":682.44,"sentiment":"neutral","sentiment_score":0.004744236047069232}],"sentiment":"neutral","sentiment_score":-0.016366179473698138,"num_words":85,"start":651.625,"end":682.44},{"sentences":[{"text":"Yeah.","start":687.62,"end":688.01996,"sentiment":"neutral","sentiment_score":-0.03046645037829876},{"text":"Or you add on, like, a super benefit on top, and, obviously, that makes it a bit more pricey, but we can always check that as well.","start":688.01996,"end":695.485,"sentiment":"neutral","sentiment_score":-0.02040336267263801},{"text":"Yeah.","start":699.545,"end":700.045,"sentiment":"neutral","sentiment_score":0.12095610797405244},{"text":"Beautiful.","start":701.545,"end":702.045,"sentiment":"positive","sentiment_score":0.5759086608886719},{"text":"So base income plus super, two year wait, five year benefit, see what the price looks like.","start":702.185,"end":708.51996,"sentiment":"neutral","sentiment_score":0.1631126780720318}],"sentiment":"neutral","sentiment_score":0.06145580964995191,"num_words":47,"start":687.62,"end":708.51996},{"sentences":[{"text":"We'll obviously update some projections for the impact on the super.","start":708.51996,"end":712.06,"sentiment":"neutral","sentiment_score":0.16555261611938477},{"text":"Up to you whether you wanna pay for it out of pocket, get the full tax deduction, put it through your super, let the super cover the cost, or even salary sacrifice into the super to help cover the cost and get deductions.","start":712.83997,"end":724.175,"sentiment":"neutral","sentiment_score":0.14800356328487396},{"text":"Any preferences there?","start":724.635,"end":726.09503,"sentiment":"neutral","sentiment_score":0.008115559195478758},{"text":"Well, what you can do then is let's say you put it through your super so it does the heavy lifting.","start":736.17004,"end":740.25,"sentiment":"neutral","sentiment_score":0.1566086553391956},{"text":"We'll make sure it's not sliding you backwards or stopping you from getting your goal.","start":740.25,"end":744.59,"sentiment":"neutral","sentiment_score":0.15529810537894567}],"sentiment":"neutral","sentiment_score":0.14868636579523165,"num_words":93,"start":708.51996,"end":744.59},{"sentences":[{"text":"But then if you get to a point where you can contribute to it, you can do a bit of salary sacrifice that goes in at 15% rather than your marginal rate, and you pretty much get the same outcome.","start":744.615,"end":754.71497,"sentiment":"neutral","sentiment_score":0.1911731891334057},{"text":"So it just gives you flexibility to turn it on and off, subsidize it, get deductions, but only when you can afford to do so.","start":757.35,"end":764.01,"sentiment":"neutral","sentiment_score":0.30988620579242704},{"text":"Awesome.","start":766.31,"end":766.81,"sentiment":"positive","sentiment_score":0.6721216440200806},{"text":"So potential with the self sag.","start":766.87,"end":769.53,"sentiment":"positive","sentiment_score":0.4935961415370305},{"text":"Is there a bit of a, just out of curiosity, a bit of a maximum that you would consider putting in, or is this just something that we should revisit in six months?","start":769.67,"end":777.555,"sentiment":"neutral","sentiment_score":0.1996225933685447}],"sentiment":"neutral","sentiment_score":0.24395549318620136,"num_words":105,"start":744.615,"end":777.555},{"sentences":[{"text":"Yep.","start":782.655,"end":783.15,"sentiment":"neutral","sentiment_score":0.18346565961837769},{"text":"Perfect.","start":783.79004,"end":784.29004,"sentiment":"positive","sentiment_score":0.42758551239967346},{"text":"I'll leave it out for now, and we'll just talk you through what it might be.","start":784.35004,"end":788.85004,"sentiment":"neutral","sentiment_score":0.1390428887680173},{"text":"Yes.","start":796.845,"end":797.32495,"sentiment":"neutral","sentiment_score":0.10732218623161316},{"text":"Yep.","start":797.32495,"end":797.82495,"sentiment":"neutral","sentiment_score":0.1797548532485962}],"sentiment":"neutral","sentiment_score":0.15614072158932685,"num_words":20,"start":782.655,"end":797.82495},{"sentences":[{"text":"Easy done.","start":798.445,"end":799.425,"sentiment":"neutral","sentiment_score":0.26293814182281494},{"text":"Yes.","start":815.74,"end":816.06,"sentiment":"neutral","sentiment_score":0.07745981216430664},{"text":"So the way it works is, let's say, well, you're on a $135.","start":816.06,"end":821.1,"sentiment":"neutral","sentiment_score":0.06009914783331064},{"text":"Right?","start":821.1,"end":821.33997,"sentiment":"neutral","sentiment_score":0.05179387703537941},{"text":"So you should be right in that sort of 37% bracket around about maybe borderline 32%.","start":821.33997,"end":826.71497,"sentiment":"neutral","sentiment_score":0.06916031707078218}],"sentiment":"neutral","sentiment_score":0.07706012023669301,"num_words":33,"start":798.445,"end":826.71497},{"sentences":[{"text":"So it's yeah.","start":827.175,"end":833.095,"sentiment":"neutral","sentiment_score":0.0185843122502168},{"text":"I'm the same way, mate.","start":833.095,"end":834.135,"sentiment":"neutral","sentiment_score":0.004059609025716782},{"text":"I hate it too.","start":834.135,"end":835.11,"sentiment":"neutral","sentiment_score":-0.2501978203654289},{"text":"So the way it basically works is let's say you've got your after tax money that you've got in your bank and you chuck a thousand bucks in.","start":835.19,"end":842.49,"sentiment":"neutral","sentiment_score":0.04008445941976139},{"text":"You get that full deduction and you get that 37¢ on the dollar back, but then the super fund takes out its 15% because concessional contributions are 15%.","start":843.11,"end":853.735,"sentiment":"neutral","sentiment_score":0.09286063274851551}],"sentiment":"neutral","sentiment_score":0.04037106937881726,"num_words":68,"start":827.175,"end":853.735},{"sentences":[{"text":"So the net benefit is 22%, but you get the 37 back in your pocket.","start":853.875,"end":858.295,"sentiment":"neutral","sentiment_score":0.1269279460112254},{"text":"If you salary sacrifice, that happens automatically through the payroll system.","start":862.115,"end":866.91003,"sentiment":"neutral","sentiment_score":0.08355661278421228},{"text":"They put it in pretax, and you get taxed on the leftover.","start":866.91003,"end":870.05005,"sentiment":"neutral","sentiment_score":0.05148436067004999},{"text":"So you have both options.","start":872.99005,"end":874.27,"sentiment":"neutral","sentiment_score":0.10630970746278763},{"text":"Either do end of financial year lump sums or sales back down the line, whatever sort of fits with your lifestyle, I guess.","start":874.27,"end":888.555,"sentiment":"neutral","sentiment_score":0.0926312592042529}],"sentiment":"neutral","sentiment_score":0.09246851148253138,"num_words":66,"start":853.875,"end":888.555},{"sentences":[{"text":"Yeah.","start":892.63,"end":892.95,"sentiment":"neutral","sentiment_score":-0.012957163155078888},{"text":"And if you'd wanna build your assets, property, and then you can retire in your fifties, and then super can click in after that.","start":892.95,"end":899.85,"sentiment":"neutral","sentiment_score":0.01946442360834529},{"text":"Yep.","start":907.84503,"end":908.34503,"sentiment":"neutral","sentiment_score":0.040097471326589584},{"text":"No worries.","start":911.125,"end":911.945,"sentiment":"neutral","sentiment_score":-0.023477422073483467},{"text":"Easy done.","start":916.66003,"end":917.38,"sentiment":"neutral","sentiment_score":0.24126125872135162}],"sentiment":"neutral","sentiment_score":0.0309951382689178,"num_words":30,"start":892.63,"end":917.38},{"sentences":[{"text":"So we'll make sure that we focus on, again, the underwriting side of things.","start":917.38,"end":923.0,"sentiment":"neutral","sentiment_score":0.100979228370956},{"text":"Quote for the income protection, we won't touch salary sacrifice, but I'll put the premiums through super for now.","start":923.30005,"end":928.305,"sentiment":"neutral","sentiment_score":0.04955094866454601},{"text":"And we're basically gonna try and make sure it's less than, say, 30% of your contributions to make sure it's not slowing down your growth too much.","start":928.545,"end":936.805,"sentiment":"neutral","sentiment_score":0.04045926848495448},{"text":"Alrighty.","start":940.305,"end":940.805,"sentiment":"neutral","sentiment_score":0.31999725103378296},{"text":"Perfect.","start":941.345,"end":941.845,"sentiment":"positive","sentiment_score":0.5420093536376953}],"sentiment":"neutral","sentiment_score":0.06950942057395174,"num_words":62,"start":917.38,"end":941.845},{"sentences":[{"text":"Just be careful with that email once we get it through to you in, I guess, how you craft your response there.","start":942.89,"end":948.09,"sentiment":"neutral","sentiment_score":0.30873208289796655},{"text":"But as long as we separate them quite cleanly, you should be good to go.","start":948.09,"end":952.27,"sentiment":"positive","sentiment_score":0.46694226264953614},{"text":"Do you have any questions for me, Alana?","start":952.49,"end":954.99,"sentiment":"neutral","sentiment_score":0.13405029848217964},{"text":"I will have to log in.","start":960.905,"end":961.945,"sentiment":"neutral","sentiment_score":-0.009921453893184662},{"text":"I do Yeah.","start":961.945,"end":964.765,"sentiment":"neutral","sentiment_score":0.015419632196426392}],"sentiment":"neutral","sentiment_score":0.27509948749233176,"num_words":54,"start":942.89,"end":964.765},{"sentences":[{"text":"Yeah.","start":964.825,"end":965.065,"sentiment":"neutral","sentiment_score":0.2450709044933319},{"text":"The last two weeks have had a huge bounce back, which has been good.","start":965.065,"end":968.925,"sentiment":"positive","sentiment_score":0.5602911476578031},{"text":"I think most people are up another three, four, 5% depending on what portfolio you're in.","start":969.37,"end":974.18994,"sentiment":"positive","sentiment_score":0.3451334051787853},{"text":"It'll probably take me about two minutes to bring up your account and check the performance.","start":981.865,"end":987.40497,"sentiment":"neutral","sentiment_score":0.0016988080460578203},{"text":"Are you happy to wait just a minute for me?","start":987.46497,"end":989.485,"sentiment":"neutral","sentiment_score":0.13091339245438577}],"sentiment":"neutral","sentiment_score":0.2622385317165601,"num_words":57,"start":964.825,"end":989.485},{"sentences":[{"text":"No worries.","start":991.545,"end":992.285,"sentiment":"neutral","sentiment_score":0.1390976794064045},{"text":"If I go quiet for a second, it's just because I'm doing multifactor authentication.","start":992.505,"end":995.96497,"sentiment":"neutral","sentiment_score":0.043689461291900704},{"text":"10,000.","start":1000.72003,"end":1001.36005,"sentiment":"neutral","sentiment_score":0.2053483873605728},{"text":"Brilliant.","start":1001.36005,"end":1001.86005,"sentiment":"positive","sentiment_score":0.5655771493911743},{"text":"Have you got one of the smartwatches to check heart rate and all that kind of thing?","start":1002.0,"end":1005.22003,"sentiment":"neutral","sentiment_score":0.1897949458045118}],"sentiment":"neutral","sentiment_score":0.1396367837807962,"num_words":35,"start":991.545,"end":1005.22003},{"sentences":[{"text":"There you go.","start":1013.69495,"end":1014.675,"sentiment":"neutral","sentiment_score":-0.028636300315459568},{"text":"Okay.","start":1020.975,"end":1021.295,"sentiment":"neutral","sentiment_score":0.02822154015302658},{"text":"Here we go.","start":1021.295,"end":1022.19495,"sentiment":"neutral","sentiment_score":0.028250318641463917},{"text":"Logged in.","start":1022.33496,"end":1023.13495,"sentiment":"neutral","sentiment_score":-0.008159879595041275},{"text":"Loading up.","start":1023.13495,"end":1024.0349,"sentiment":"neutral","sentiment_score":0.06780972890555859}],"sentiment":"neutral","sentiment_score":0.013305753977461294,"num_words":11,"start":1013.69495,"end":1024.0349},{"sentences":[{"text":"Let's see how you've gone in the last three months.","start":1024.49,"end":1028.27,"sentiment":"neutral","sentiment_score":0.0435772642493248},{"text":"Alright.","start":1028.89,"end":1029.29,"sentiment":"neutral","sentiment_score":0.07052189111709595},{"text":"Yeah.","start":1029.29,"end":1029.53,"sentiment":"neutral","sentiment_score":0.05044311285018921},{"text":"So it went down to $1.88, and it's bounced back up to $1.98, which is just a tiny bit shy of the 200 you were sitting at two months ago.","start":1029.53,"end":1039.2301,"sentiment":"neutral","sentiment_score":-0.006306037493050099},{"text":"Yeah.","start":1041.595,"end":1042.095,"sentiment":"neutral","sentiment_score":-0.05464297533035278}],"sentiment":"neutral","sentiment_score":0.007277059217178544,"num_words":43,"start":1024.49,"end":1042.095},{"sentences":[{"text":"What are you sitting at?","start":1044.0751,"end":1045.035,"sentiment":"neutral","sentiment_score":-0.08956400603055954},{"text":"You're in a oh, yeah.","start":1045.035,"end":1046.475,"sentiment":"neutral","sentiment_score":-0.053011234104633334},{"text":"You're in a high growth.","start":1046.475,"end":1047.6951,"sentiment":"neutral","sentiment_score":0.024956075591035187},{"text":"Every high growth client that we've got basically bouncing around double digits at the moment.","start":1048.0751,"end":1052.495,"sentiment":"neutral","sentiment_score":-0.005500674434006214},{"text":"And because you're at 200,000, we're talking 5 to $10 in a week or two, up or down.","start":1052.85,"end":1058.69,"sentiment":"neutral","sentiment_score":-0.07592335488233301}],"sentiment":"neutral","sentiment_score":-0.042442215148184914,"num_words":48,"start":1044.0751,"end":1058.69},{"sentences":[{"text":"It is quite volatile.","start":1058.69,"end":1060.07,"sentiment":"neutral","sentiment_score":-0.2847457602620125},{"text":"Contributions going in are bought in at a perfect little low in the market, which is good.","start":1060.29,"end":1064.9299,"sentiment":"neutral","sentiment_score":0.11159911006689072},{"text":"So that's the main thing.","start":1064.9299,"end":1065.97,"sentiment":"neutral","sentiment_score":0.12153483182191849},{"text":"Right?","start":1065.97,"end":1066.29,"sentiment":"neutral","sentiment_score":0.06617099046707153},{"text":"Contributions come in.","start":1066.29,"end":1067.565,"sentiment":"neutral","sentiment_score":0.07447112600008647}],"sentiment":"neutral","sentiment_score":0.05518201192220052,"num_words":30,"start":1058.69,"end":1067.565},{"sentences":[{"text":"Market dips get to buy all those shares and property for a cheaper price when it bounces back.","start":1067.6449,"end":1071.985,"sentiment":"neutral","sentiment_score":0.02040563647945722},{"text":"Please just bear in mind the next three to six months at least, it's gonna be going up and down every week.","start":1073.1649,"end":1079.0249,"sentiment":"neutral","sentiment_score":-0.16880540211092343},{"text":"And once it shoot through to the end, yeah, you're in a pretty good portfolio.","start":1079.6599,"end":1084.38,"sentiment":"neutral","sentiment_score":0.1950035015741984},{"text":"I think Veronica's cleaned up a few investment options for you, switched out that option that was underperforming.","start":1084.38,"end":1091.0399,"sentiment":"neutral","sentiment_score":-0.024485422919193905},{"text":"Even that one, that's jumped up a thousand since the switchover just on its own, and all the other options are in the positive.","start":1093.3949,"end":1101.4149,"sentiment":"neutral","sentiment_score":0.193080577844133}],"sentiment":"neutral","sentiment_score":0.038884859685738064,"num_words":97,"start":1067.6449,"end":1101.4149},{"sentences":[{"text":"Gold's doing well.","start":1102.115,"end":1103.335,"sentiment":"positive","sentiment_score":0.4380565683046977},{"text":"Your American shares are doing well.","start":1103.715,"end":1105.815,"sentiment":"positive","sentiment_score":0.4303574462731679},{"text":"Even your property's up a little bit even though most of the property funds have gone down recently, which is really strange to say.","start":1106.75,"end":1112.83,"sentiment":"neutral","sentiment_score":-0.050253266779085},{"text":"But when people sell off those funds, they tend to go down even if property is such a fantastic asset.","start":1112.83,"end":1119.49,"sentiment":"neutral","sentiment_score":-0.06092613376677036},{"text":"But overall, everything's in the green pretty much.","start":1119.63,"end":1121.865,"sentiment":"neutral","sentiment_score":0.15899520833045244}],"sentiment":"neutral","sentiment_score":0.04497827821579136,"num_words":61,"start":1102.115,"end":1121.865},{"sentences":[{"text":"Awesome.","start":1124.665,"end":1125.065,"sentiment":"positive","sentiment_score":0.5377662181854248},{"text":"Look.","start":1125.065,"end":1125.3049,"sentiment":"neutral","sentiment_score":0.31823670864105225},{"text":"If anything else pops up where you're looking at it, you're like, oh, it's just not behaving the way I'm comfortable with, let us know.","start":1125.3049,"end":1130.505,"sentiment":"neutral","sentiment_score":0.10975308306515216},{"text":"But, again, solid assets in there, high growth.","start":1130.505,"end":1134.025,"sentiment":"positive","sentiment_score":0.3970388136804104},{"text":"You're gonna be getting those huge surges on the way up.","start":1134.025,"end":1136.525,"sentiment":"positive","sentiment_score":0.6147335821932013}],"sentiment":"neutral","sentiment_score":0.29430891123964736,"num_words":46,"start":1124.665,"end":1136.525},{"sentences":[{"text":"And we've got you set for, like, an a review in a few weeks' time anyway.","start":1137.49,"end":1141.91,"sentiment":"neutral","sentiment_score":0.24051374197006226},{"text":"So I kind of wanna get Veronica just tie in your super, how the contributions are looking, the insurance changes all into one piece, if that's okay.","start":1142.21,"end":1152.15,"sentiment":"neutral","sentiment_score":0.2234947129532143},{"text":"And then you should be set for another six to twelve months, I reckon.","start":1152.475,"end":1156.975,"sentiment":"neutral","sentiment_score":0.1282675303518772},{"text":"Cool.","start":1160.5549,"end":1160.875,"sentiment":"positive","sentiment_score":0.4305529594421386},{"text":"Cool.","start":1160.875,"end":1161.0349,"sentiment":"positive","sentiment_score":0.395356148481369}],"sentiment":"neutral","sentiment_score":0.2119361297306368,"num_words":59,"start":1137.49,"end":1161.0349},{"sentences":[{"text":"Cool.","start":1161.0349,"end":1161.5349,"sentiment":"neutral","sentiment_score":0.30118298530578613},{"text":"Any other questions for me, Alana?","start":1161.595,"end":1163.1349,"sentiment":"neutral","sentiment_score":0.12742801134785017},{"text":"Easy done.","start":1166.01,"end":1166.8099,"sentiment":"positive","sentiment_score":0.39545516669750214},{"text":"So if it's okay with you, once we send you this information, if you can pop that back to us over the next couple of weeks, then we'll get you booked in for that catch up with Veronica just to kind of recap and package everything up into one go.","start":1166.8099,"end":1180.7151,"sentiment":"neutral","sentiment_score":0.2395877158641815},{"text":"Ideally, we just update your your advice plan so you've got it all in writing, and it's current for 2026.","start":1181.0951,"end":1188.0751,"sentiment":"neutral","sentiment_score":0.22177637070417405}],"sentiment":"neutral","sentiment_score":0.2312857543554487,"num_words":79,"start":1161.0349,"end":1188.0751},{"sentences":[{"text":"Awesome.","start":1192.71,"end":1193.21,"sentiment":"neutral","sentiment_score":0.09335791319608688},{"text":"Well, I really appreciate you taking the time while you're on your walk.","start":1193.2699,"end":1196.4099,"sentiment":"positive","sentiment_score":0.7898554985339825},{"text":"I will go talk to her first thing in the morning, and we will be in touch very soon via email and call.","start":1197.19,"end":1203.21,"sentiment":"positive","sentiment_score":0.41125891778780066},{"text":"And we'll flick you a text once we email you.","start":1203.535,"end":1205.295,"sentiment":"neutral","sentiment_score":0.31761503368616106},{"text":"Just give you a heads up.","start":1205.295,"end":1206.515,"sentiment":"neutral","sentiment_score":0.3163833941022555}],"sentiment":"positive","sentiment_score":0.4697148151836305,"num_words":53,"start":1192.71,"end":1206.515},{"sentences":[{"text":"Thanks so much, mate.","start":1209.135,"end":1210.015,"sentiment":"positive","sentiment_score":0.8827781528234482},{"text":"You have a fantastic day.","start":1210.015,"end":1211.395,"sentiment":"positive","sentiment_score":0.8597184300422669},{"text":"Thank you.","start":1213.295,"end":1213.855,"sentiment":"positive","sentiment_score":0.6962716579437256},{"text":"Bye.","start":1213.855,"end":1214.355,"sentiment":"neutral","sentiment_score":-0.11545226722955704}],"sentiment":"positive","sentiment_score":0.7588996508469185,"num_words":12,"start":1209.135,"end":1214.355}]}}]},{"alternatives":[{"transcript":"Hello. I'm speaking. Yes. How are you? Yes. Yep. As long as she doesn't care. I'm walking. Yep. I don't care. I'm just saying as long as she doesn't care. Yeah. I don't believe that should be wrong. I never broke my back. I've never done a disc. I've never done anything like that. Don't ever been a strain. So people don't everyone strains their back at some point in their life. Yeah. Yes. Two Two different jobs. One was plumbing. One sitting in a dump truck. Actually, no. I was dewatering them, but two different jobs. 2022 was actually not even my job. I tripped over at my job in the fuel bank. I was even actually doing my job. Yeah. So it wasn't even anything to do with job. Yeah. It was just a spasm. I'm back at work within four weeks. And they put me on like days as I work the whole time. Yeah. It's work. They make you. Yep. Okay. Yep. Yep. Okay. What do you mean? Get the exclusion off. Get me a price on income protection, but I don't need it for the first year if that makes it cheaper. Because work work does it for two years or something like that. Because I have income protection with two years. So Yeah. Because my work actually does they actually have a where they if you injure yourself, it doesn't even go through work cover to start with. It well, the two year thing, it actually goes to this so basically, they have a certain amount of per employee per time they hurt themselves that they give you for everything. And then they start the work cover and the two year thing afterwards. And the two yeah. Yes. Yeah. That's automatic. You got a year of your wage. So one of your wages when you die, your family gets. Yep. I'm at a 135,000 now. That's just base. Do I take into account the rest or just your base? Yeah. Oh, I always go over. But my tax brings it down. Does that make any difference? I owe my 50,000. Yeah. But if I say yeah. Because I've got my other half income. So yeah. Is it only for a couple of years? Is that the only how long they do it for? About all these days. Okay. Because plumbing back when I did it 25, that was lifetime then. 55 or whatever. And that's physical. Yes. Yeah. Yeah. But if yeah. But if you're gonna go over that period, you're probably terminal or whatever. You're gonna get TPG anyway. Yeah. Yeah. Yeah. Two year waiting period and then five years. And you have if I did it straight away, like, all month, whatever it is, can you have two different policies paying you at the same time? Yep. Yeah. Yep. It'll have to be a two year waiting period then. That's why I'm still at this point, but that's your two year waiting period. Yes. But super comes out of that where I'm guessing that one I have to pay my own super. Yes. Didn't know you can do that. Yes. Add a super on top. Give us both. I don't really want to at the moment, but in about six months time, it might be different. Yep. That sounds good. Yep. I'm not selling Shopify Super at this age. I was I'd like well, yeah. Yeah. So if I was gonna sell a fry sacrifice into super, it would be afterwards to bring my tax down, if that makes sense, or my rebate back, whatever. How much do I get back if I sell if I if I sue put super out of my income after tax into a super fund, how much does that benefit me at tax time in getting money back? Just spent almost 50,000 last year on tax. I'm paying for three or four people to live. Okay. Yeah. Yeah. Yep. I'm getting yeah. Yeah. No. I see. I'd rather invest elsewhere because if I wanna retire early, I can't touch my seat until I'm sixty sixty seven anyway. So it's not beneficial to me. I'd rather buy property and and stuff outside. Yeah. Yeah. If I if I didn't have the facility to buy property, then I'd say, yes. I will sacrifice the will. It's okay. But I don't have to do that, and I don't wanna have to do this job until I'm 67. Yes. What is my super sitting at the moment? Has it recovered any from the idiot? Yeah. I went down about 12,000 or something ago. 10,000 something, I think, maybe. It's fine. That's fine. I'll just go home. Let's do 10,000 steps. Yeah. I don't even write. It's not even worth it for the heart rate. Walking doesn't do anything to my heart rate. I'm good enough not to even affect me. It's just the fact I've done 2,000. That's actually a 125. Damn. It actually did something. That's fine. That went down more than I thought it did. I haven't checked it in a week or two. Couple of few weeks. Come on. Shit. That's going down way more than I thought. Yeah. Because I freaked out about yeah. When it was down. Okay. Okay. No. That should be fine. Yep. Yep. Okay. Sounds good. You too. 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I'm speaking. Yes. How are you? Yes.\n\nYep. As long as she doesn't care. I'm walking. Yep. I don't care.\n\nI'm just saying as long as she doesn't care. Yeah. I don't believe that should be wrong. I never broke my back. I've never done a disc.\n\nI've never done anything like that. Don't ever been a strain. So people don't everyone strains their back at some point in their life. Yeah. Yes.\n\nTwo Two different jobs. One was plumbing. One sitting in a dump truck. Actually, no. I was dewatering them, but two different jobs.\n\n2022 was actually not even my job. I tripped over at my job in the fuel bank. I was even actually doing my job. Yeah. So it wasn't even anything to do with job.\n\nYeah. It was just a spasm. I'm back at work within four weeks. And they put me on like days as I work the whole time. Yeah.\n\nIt's work. They make you. Yep. Okay. Yep.\n\nYep. Okay. What do you mean? Get the exclusion off. Get me a price on income protection, but I don't need it for the first year if that makes it cheaper.\n\nBecause work work does it for two years or something like that. Because I have income protection with two years. So Yeah. Because my work actually does they actually have a where they if you injure yourself, it doesn't even go through work cover to start with. It well, the two year thing, it actually goes to this so basically, they have a certain amount of per employee per time they hurt themselves that they give you for everything.\n\nAnd then they start the work cover and the two year thing afterwards. And the two yeah. Yes. Yeah. That's automatic.\n\nYou got a year of your wage. So one of your wages when you die, your family gets. Yep. I'm at a 135,000 now. That's just base.\n\nDo I take into account the rest or just your base? Yeah. Oh, I always go over. But my tax brings it down. Does that make any difference?\n\nI owe my 50,000. Yeah. But if I say yeah. Because I've got my other half income. So yeah.\n\nIs it only for a couple of years? Is that the only how long they do it for? About all these days. Okay. Because plumbing back when I did it 25, that was lifetime then.\n\n55 or whatever. And that's physical. Yes. Yeah. Yeah.\n\nBut if yeah. But if you're gonna go over that period, you're probably terminal or whatever. You're gonna get TPG anyway. Yeah. Yeah.\n\nYeah. Two year waiting period and then five years. And you have if I did it straight away, like, all month, whatever it is, can you have two different policies paying you at the same time? Yep. Yeah.\n\nYep. It'll have to be a two year waiting period then. That's why I'm still at this point, but that's your two year waiting period. Yes. But super comes out of that where I'm guessing that one I have to pay my own super.\n\nYes. Didn't know you can do that. Yes. Add a super on top. Give us both.\n\nI don't really want to at the moment, but in about six months time, it might be different. Yep. That sounds good. Yep. I'm not selling Shopify Super at this age.\n\nI was I'd like well, yeah. Yeah. So if I was gonna sell a fry sacrifice into super, it would be afterwards to bring my tax down, if that makes sense, or my rebate back, whatever. How much do I get back if I sell if I if I sue put super out of my income after tax into a super fund, how much does that benefit me at tax time in getting money back? Just spent almost 50,000 last year on tax.\n\nI'm paying for three or four people to live. Okay. Yeah. Yeah. Yep.\n\nI'm getting yeah. Yeah. No. I see. I'd rather invest elsewhere because if I wanna retire early, I can't touch my seat until I'm sixty sixty seven anyway.\n\nSo it's not beneficial to me. I'd rather buy property and and stuff outside. Yeah. Yeah. If I if I didn't have the facility to buy property, then I'd say, yes.\n\nI will sacrifice the will. It's okay. But I don't have to do that, and I don't wanna have to do this job until I'm 67. Yes. What is my super sitting at the moment?\n\nHas it recovered any from the idiot? Yeah. I went down about 12,000 or something ago. 10,000 something, I think, maybe. It's fine.\n\nThat's fine. I'll just go home. Let's do 10,000 steps. Yeah. I don't even write.\n\nIt's not even worth it for the heart rate. Walking doesn't do anything to my heart rate. I'm good enough not to even affect me. It's just the fact I've done 2,000. That's actually a 125.\n\nDamn. It actually did something. That's fine. That went down more than I thought it did. I haven't checked it in a week or two.\n\nCouple of few weeks. Come on. Shit. That's going down way more than I thought. Yeah.\n\nBecause I freaked out about yeah. When it was down. Okay. Okay. No.\n\nThat should be fine. Yep. Yep. Okay. Sounds good.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.1999999,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.03213877230882645},{"text":"I'm speaking.","start":1.4399999,"end":2.02,"sentiment":"neutral","sentiment_score":0.03781643323600292},{"text":"Yes.","start":7.2799997,"end":7.6,"sentiment":"neutral","sentiment_score":0.12875160574913025},{"text":"How are you?","start":7.6,"end":8.34,"sentiment":"neutral","sentiment_score":0.14736863474051157},{"text":"Yes.","start":13.759999,"end":14.259999,"sentiment":"neutral","sentiment_score":0.11035223305225372}],"sentiment":"neutral","sentiment_score":0.09862267272546887,"num_words":8,"start":1.1999999,"end":14.259999},{"sentences":[{"text":"Yep.","start":29.255001,"end":29.755001,"sentiment":"neutral","sentiment_score":0.04062585532665253},{"text":"As long as she doesn't care.","start":30.47,"end":31.269999,"sentiment":"neutral","sentiment_score":0.03615855953345696},{"text":"I'm walking.","start":31.269999,"end":31.849998,"sentiment":"neutral","sentiment_score":0.00973582942970097},{"text":"Yep.","start":34.95,"end":35.45,"sentiment":"neutral","sentiment_score":-0.00014486163854599},{"text":"I don't care.","start":36.55,"end":37.11,"sentiment":"neutral","sentiment_score":-0.09139001369476318}],"sentiment":"neutral","sentiment_score":0.00021030528184313042,"num_words":13,"start":29.255001,"end":37.11},{"sentences":[{"text":"I'm just saying as long as she doesn't care.","start":37.11,"end":38.97,"sentiment":"neutral","sentiment_score":-0.08106387323803371},{"text":"Yeah.","start":105.115,"end":105.435,"sentiment":"neutral","sentiment_score":-0.12525126338005066},{"text":"I don't believe that should be wrong.","start":105.435,"end":106.635,"sentiment":"negative","sentiment_score":-0.3714636947427477},{"text":"I never broke my back.","start":106.635,"end":107.515,"sentiment":"negative","sentiment_score":-0.3627632260322571},{"text":"I've never done a disc.","start":107.515,"end":108.235,"sentiment":"neutral","sentiment_score":-0.25179530382156373}],"sentiment":"neutral","sentiment_score":-0.24177276425891453,"num_words":27,"start":37.11,"end":108.235},{"sentences":[{"text":"I've never done anything like that.","start":108.235,"end":109.775,"sentiment":"neutral","sentiment_score":-0.25874743858973187},{"text":"Don't ever been a strain.","start":110.395,"end":111.775,"sentiment":"neutral","sentiment_score":-0.2806648790836334},{"text":"So people don't everyone strains their back at some point in their life.","start":112.155,"end":116.015,"sentiment":"neutral","sentiment_score":-0.23333774163172796},{"text":"Yeah.","start":126.57,"end":127.07,"sentiment":"neutral","sentiment_score":0.025730157271027565},{"text":"Yes.","start":160.09,"end":160.515,"sentiment":"neutral","sentiment_score":0.03286006301641464}],"sentiment":"neutral","sentiment_score":-0.22810036338006073,"num_words":26,"start":108.235,"end":160.515},{"sentences":[{"text":"Two Two different jobs.","start":186.13,"end":187.53499,"sentiment":"neutral","sentiment_score":-0.06497621163725853},{"text":"One was plumbing.","start":189.67499,"end":190.81499,"sentiment":"neutral","sentiment_score":-0.05141910413901011},{"text":"One sitting in a dump truck.","start":190.95499,"end":192.47499,"sentiment":"neutral","sentiment_score":-0.07217290376623471},{"text":"Actually, no.","start":192.47499,"end":192.95499,"sentiment":"neutral","sentiment_score":-0.1231473796069622},{"text":"I was dewatering them, but two different jobs.","start":192.95499,"end":195.45499,"sentiment":"neutral","sentiment_score":-0.1208092337474227}],"sentiment":"neutral","sentiment_score":-0.08956383525029472,"num_words":23,"start":186.13,"end":195.45499},{"sentences":[{"text":"2022 was actually not even my job.","start":211.69,"end":214.09,"sentiment":"negative","sentiment_score":-0.4149447040898459},{"text":"I tripped over at my job in the fuel bank.","start":214.09,"end":217.805,"sentiment":"negative","sentiment_score":-0.5078852951526642},{"text":"I was even actually doing my job.","start":217.805,"end":219.665,"sentiment":"neutral","sentiment_score":-0.15623972884246282},{"text":"Yeah.","start":223.245,"end":223.565,"sentiment":"neutral","sentiment_score":0.04428185150027275},{"text":"So it wasn't even anything to do with job.","start":223.565,"end":226.22499,"sentiment":"neutral","sentiment_score":-0.08559491361180942}],"sentiment":"neutral","sentiment_score":-0.288329892737024,"num_words":34,"start":211.69,"end":226.22499},{"sentences":[{"text":"Yeah.","start":237.38,"end":237.7,"sentiment":"neutral","sentiment_score":-0.04481268674135208},{"text":"It was just a spasm.","start":237.7,"end":238.68001,"sentiment":"neutral","sentiment_score":-0.023924310877919196},{"text":"I'm back at work within four weeks.","start":238.98001,"end":240.675,"sentiment":"neutral","sentiment_score":0.24516420704977854},{"text":"And they put me on like days as I work the whole time.","start":241.475,"end":243.735,"sentiment":"positive","sentiment_score":0.4406264630647806},{"text":"Yeah.","start":249.475,"end":249.875,"sentiment":"positive","sentiment_score":0.36719250679016113}],"sentiment":"neutral","sentiment_score":0.28322413832777077,"num_words":27,"start":237.38,"end":249.875},{"sentences":[{"text":"It's work.","start":249.875,"end":250.435,"sentiment":"positive","sentiment_score":0.438454806804657},{"text":"They make you.","start":250.435,"end":251.335,"sentiment":"positive","sentiment_score":0.7055362860361735},{"text":"Yep.","start":279.55502,"end":280.05502,"sentiment":"neutral","sentiment_score":-0.0006980287726037204},{"text":"Okay.","start":304.935,"end":305.095,"sentiment":"neutral","sentiment_score":0.050470709800720215},{"text":"Yep.","start":305.095,"end":305.595,"sentiment":"neutral","sentiment_score":0.05595101416110992}],"sentiment":"positive","sentiment_score":0.3874052708633826,"num_words":8,"start":249.875,"end":305.595},{"sentences":[{"text":"Yep.","start":317.42,"end":317.58,"sentiment":"neutral","sentiment_score":0.1050061136484146},{"text":"Okay.","start":317.58,"end":318.08,"sentiment":"neutral","sentiment_score":0.14936353266239166},{"text":"What do you mean?","start":345.15002,"end":346.22,"sentiment":"neutral","sentiment_score":-0.015531476587057114},{"text":"Get the exclusion off.","start":364.77,"end":366.31,"sentiment":"neutral","sentiment_score":-0.0483183404430747},{"text":"Get me a price on income protection, but I don't need it for the first year if that makes it cheaper.","start":367.88998,"end":380.195,"sentiment":"neutral","sentiment_score":-0.029450702259228342}],"sentiment":"neutral","sentiment_score":-0.019983689330758586,"num_words":31,"start":317.42,"end":380.195},{"sentences":[{"text":"Because work work does it for two years or something like that.","start":380.575,"end":383.875,"sentiment":"neutral","sentiment_score":-0.012348371557891369},{"text":"Because I have income protection with two years.","start":386.575,"end":388.975,"sentiment":"neutral","sentiment_score":0.19980328530073166},{"text":"So Yeah.","start":388.975,"end":406.80502,"sentiment":"neutral","sentiment_score":0.13533785566687584},{"text":"Because my work actually does they actually have a where they if you injure yourself, it doesn't even go through work cover to start with.","start":406.80502,"end":416.505,"sentiment":"neutral","sentiment_score":-0.18604933321475983},{"text":"It well, the two year thing, it actually goes to this so basically, they have a certain amount of per employee per time they hurt themselves that they give you for everything.","start":416.885,"end":429.34,"sentiment":"neutral","sentiment_score":-0.12725022330414504}],"sentiment":"neutral","sentiment_score":-0.08863694862097124,"num_words":79,"start":380.575,"end":429.34},{"sentences":[{"text":"And then they start the work cover and the two year thing afterwards.","start":429.63998,"end":432.69998,"sentiment":"neutral","sentiment_score":-0.039127101118748},{"text":"And the two yeah.","start":434.685,"end":440.84497,"sentiment":"neutral","sentiment_score":0.07845349237322807},{"text":"Yes.","start":440.84497,"end":441.16498,"sentiment":"neutral","sentiment_score":0.08865469694137573},{"text":"Yeah.","start":441.16498,"end":441.405,"sentiment":"neutral","sentiment_score":0.1080525368452072},{"text":"That's automatic.","start":441.405,"end":442.145,"sentiment":"neutral","sentiment_score":0.16529404371976852}],"sentiment":"neutral","sentiment_score":0.015831284579776582,"num_words":21,"start":429.63998,"end":442.145},{"sentences":[{"text":"You got a year of your wage.","start":442.60498,"end":443.72498,"sentiment":"neutral","sentiment_score":0.15568927888359343},{"text":"So one of your wages when you die, your family gets.","start":443.72498,"end":446.37,"sentiment":"neutral","sentiment_score":0.15837488662112842},{"text":"Yep.","start":477.16,"end":477.32,"sentiment":"neutral","sentiment_score":0.06877376139163971},{"text":"I'm at a 135,000 now.","start":477.32,"end":479.34,"sentiment":"neutral","sentiment_score":0.05240503177046776},{"text":"That's just base.","start":483.48,"end":484.36002,"sentiment":"neutral","sentiment_score":0.09187529236078262}],"sentiment":"neutral","sentiment_score":0.12734716675347751,"num_words":27,"start":442.60498,"end":484.36002},{"sentences":[{"text":"Do I take into account the rest or just your base?","start":484.36002,"end":487.1,"sentiment":"neutral","sentiment_score":0.043573745103044945},{"text":"Yeah.","start":524.78503,"end":525.28503,"sentiment":"neutral","sentiment_score":0.07723894715309143},{"text":"Oh, I always go over.","start":526.385,"end":527.84503,"sentiment":"neutral","sentiment_score":0.2879235208034515},{"text":"But my tax brings it down.","start":528.22504,"end":529.95,"sentiment":"neutral","sentiment_score":0.010201863944530487},{"text":"Does that make any difference?","start":529.95,"end":531.17,"sentiment":"neutral","sentiment_score":0.021790481358766555}],"sentiment":"neutral","sentiment_score":0.07736897634874497,"num_words":28,"start":484.36002,"end":531.17},{"sentences":[{"text":"I owe my 50,000.","start":532.27,"end":534.05,"sentiment":"neutral","sentiment_score":-0.044816031120717525},{"text":"Yeah.","start":553.73505,"end":554.055,"sentiment":"neutral","sentiment_score":0.005675714462995529},{"text":"But if I say yeah.","start":554.055,"end":558.91003,"sentiment":"neutral","sentiment_score":-0.03084475137293339},{"text":"Because I've got my other half income.","start":558.91003,"end":560.77,"sentiment":"neutral","sentiment_score":-0.02227946344230856},{"text":"So yeah.","start":561.31,"end":561.97003,"sentiment":"neutral","sentiment_score":0.013287393376231194}],"sentiment":"neutral","sentiment_score":-0.024062822327802057,"num_words":19,"start":532.27,"end":561.97003},{"sentences":[{"text":"Is it only for a couple of years?","start":562.67,"end":563.95,"sentiment":"neutral","sentiment_score":-0.0024517939891666174},{"text":"Is that the only how long they do it for?","start":563.95,"end":566.05,"sentiment":"neutral","sentiment_score":-0.00857282467186451},{"text":"About all these days.","start":570.205,"end":571.42505,"sentiment":"neutral","sentiment_score":0.0365110207349062},{"text":"Okay.","start":580.205,"end":580.445,"sentiment":"neutral","sentiment_score":-0.0037760958075523376},{"text":"Because plumbing back when I did it 25, that was lifetime then.","start":580.445,"end":586.93,"sentiment":"neutral","sentiment_score":-0.037471319548785686}],"sentiment":"neutral","sentiment_score":-0.011792298459580967,"num_words":35,"start":562.67,"end":586.93},{"sentences":[{"text":"55 or whatever.","start":587.38995,"end":588.52997,"sentiment":"neutral","sentiment_score":-0.022557963306705158},{"text":"And that's physical.","start":589.55,"end":590.69,"sentiment":"neutral","sentiment_score":-0.0563327819108963},{"text":"Yes.","start":593.47,"end":593.97,"sentiment":"neutral","sentiment_score":-0.021009566262364388},{"text":"Yeah.","start":594.26996,"end":594.76996,"sentiment":"neutral","sentiment_score":-0.04748860001564026},{"text":"Yeah.","start":604.205,"end":604.525,"sentiment":"neutral","sentiment_score":-0.1164657324552536}],"sentiment":"neutral","sentiment_score":-0.04684845937622918,"num_words":9,"start":587.38995,"end":604.525},{"sentences":[{"text":"But if yeah.","start":604.525,"end":607.645,"sentiment":"neutral","sentiment_score":-0.18530432879924774},{"text":"But if you're gonna go over that period, you're probably terminal or whatever.","start":607.645,"end":611.085,"sentiment":"neutral","sentiment_score":-0.16898230979075798},{"text":"You're gonna get TPG anyway.","start":611.085,"end":612.465,"sentiment":"neutral","sentiment_score":-0.10651193559169769},{"text":"Yeah.","start":624.16,"end":624.63995,"sentiment":"neutral","sentiment_score":0.06389933079481125},{"text":"Yeah.","start":624.63995,"end":625.13995,"sentiment":"neutral","sentiment_score":0.04527668654918671}],"sentiment":"neutral","sentiment_score":-0.13808985540400381,"num_words":23,"start":604.525,"end":625.13995},{"sentences":[{"text":"Yeah.","start":626.16,"end":626.39996,"sentiment":"neutral","sentiment_score":0.02922609262168407},{"text":"Two year waiting period and then five years.","start":626.39996,"end":631.625,"sentiment":"neutral","sentiment_score":-0.006288404576480389},{"text":"And you have if I did it straight away, like, all month, whatever it is, can you have two different policies paying you at the same time?","start":642.66,"end":650.12,"sentiment":"neutral","sentiment_score":0.005256659213315557},{"text":"Yep.","start":665.59503,"end":666.09503,"sentiment":"neutral","sentiment_score":-0.009121371433138847},{"text":"Yeah.","start":670.635,"end":671.135,"sentiment":"neutral","sentiment_score":-0.03556458652019501}],"sentiment":"neutral","sentiment_score":0.0020042814951586095,"num_words":38,"start":626.16,"end":671.135},{"sentences":[{"text":"Yep.","start":673.42004,"end":673.9,"sentiment":"neutral","sentiment_score":0.0031611970625817776},{"text":"It'll have to be a two year waiting period then.","start":673.9,"end":675.58,"sentiment":"neutral","sentiment_score":-0.05410250462591648},{"text":"That's why I'm still at this point, but that's your two year waiting period.","start":675.58,"end":678.80005,"sentiment":"neutral","sentiment_score":-0.03982570195304496},{"text":"Yes.","start":681.58,"end":682.08,"sentiment":"neutral","sentiment_score":0.010743684135377409},{"text":"But super comes out of that where I'm guessing that one I have to pay my own super.","start":682.38,"end":687.12,"sentiment":"neutral","sentiment_score":-0.08531211233801311}],"sentiment":"neutral","sentiment_score":-0.05955222760200162,"num_words":44,"start":673.42004,"end":687.12},{"sentences":[{"text":"Yes.","start":697.67505,"end":697.835,"sentiment":"neutral","sentiment_score":0.020631425082683563},{"text":"Didn't know you can do that.","start":697.835,"end":698.97504,"sentiment":"neutral","sentiment_score":-0.0680097546428442},{"text":"Yes.","start":699.03503,"end":699.275,"sentiment":"neutral","sentiment_score":0.06607653200626373},{"text":"Add a super on top.","start":699.275,"end":700.575,"sentiment":"neutral","sentiment_score":0.19748600125312804},{"text":"Give us both.","start":728.015,"end":728.91504,"sentiment":"neutral","sentiment_score":-0.035420541961987816}],"sentiment":"neutral","sentiment_score":0.03498861310072243,"num_words":16,"start":697.67505,"end":728.91504},{"sentences":[{"text":"I don't really want to at the moment, but in about six months time, it might be different.","start":730.71,"end":735.69,"sentiment":"neutral","sentiment_score":-0.2802235997385449},{"text":"Yep.","start":755.90497,"end":756.14496,"sentiment":"neutral","sentiment_score":0.30009162425994873},{"text":"That sounds good.","start":756.14496,"end":757.045,"sentiment":"positive","sentiment_score":0.5753616690635681},{"text":"Yep.","start":764.57,"end":765.07,"sentiment":"positive","sentiment_score":0.3712252974510193},{"text":"I'm not selling Shopify Super at this age.","start":780.10504,"end":782.445,"sentiment":"neutral","sentiment_score":-0.22222327813506126}],"sentiment":"neutral","sentiment_score":-0.1427228739184718,"num_words":31,"start":730.71,"end":782.445},{"sentences":[{"text":"I was I'd like well, yeah.","start":785.30505,"end":790.26,"sentiment":"neutral","sentiment_score":0.12027205899357796},{"text":"Yeah.","start":790.26,"end":790.57996,"sentiment":"neutral","sentiment_score":0.05301357805728912},{"text":"So if I was gonna sell a fry sacrifice into super, it would be afterwards to bring my tax down, if that makes sense, or my rebate back, whatever.","start":790.57996,"end":801.07996,"sentiment":"neutral","sentiment_score":0.06831180201522236},{"text":"How much do I get back if I sell if I if I sue put super out of my income after tax into a super fund, how much does that benefit me at tax time in getting money back?","start":801.14,"end":816.475,"sentiment":"neutral","sentiment_score":0.1204104429254165},{"text":"Just spent almost 50,000 last year on tax.","start":827.39996,"end":829.88,"sentiment":"neutral","sentiment_score":0.0025369918439537287}],"sentiment":"neutral","sentiment_score":0.09002399276268769,"num_words":83,"start":785.30505,"end":829.88},{"sentences":[{"text":"I'm paying for three or four people to live.","start":829.88,"end":831.98,"sentiment":"neutral","sentiment_score":0.015624599324332343},{"text":"Okay.","start":857.135,"end":857.635,"sentiment":"neutral","sentiment_score":0.1470501720905304},{"text":"Yeah.","start":867.455,"end":867.935,"sentiment":"neutral","sentiment_score":0.04686774313449859},{"text":"Yeah.","start":867.935,"end":868.435,"sentiment":"neutral","sentiment_score":0.057146310806274414},{"text":"Yep.","start":870.895,"end":871.395,"sentiment":"neutral","sentiment_score":0.12675398588180542}],"sentiment":"neutral","sentiment_score":0.0398799696793923,"num_words":13,"start":829.88,"end":871.395},{"sentences":[{"text":"I'm getting yeah.","start":873.54004,"end":880.46,"sentiment":"neutral","sentiment_score":0.10663072019815445},{"text":"Yeah.","start":882.10004,"end":882.60004,"sentiment":"neutral","sentiment_score":0.009395803324878216},{"text":"No.","start":882.66003,"end":882.82,"sentiment":"neutral","sentiment_score":-0.1479030400514603},{"text":"I see.","start":882.82,"end":883.06,"sentiment":"neutral","sentiment_score":-0.17061562836170197},{"text":"I'd rather invest elsewhere because if I wanna retire early, I can't touch my seat until I'm sixty sixty seven anyway.","start":883.06,"end":890.30505,"sentiment":"neutral","sentiment_score":-0.1668427111137481}],"sentiment":"neutral","sentiment_score":-0.130840830937294,"num_words":28,"start":873.54004,"end":890.30505},{"sentences":[{"text":"So it's not beneficial to me.","start":890.36505,"end":892.065,"sentiment":"neutral","sentiment_score":-0.22446657717227936},{"text":"I'd rather buy property and and stuff outside.","start":892.60504,"end":895.10504,"sentiment":"neutral","sentiment_score":-0.0039214203134179115},{"text":"Yeah.","start":900.06,"end":900.38,"sentiment":"neutral","sentiment_score":0.03433453291654587},{"text":"Yeah.","start":900.38,"end":900.86,"sentiment":"neutral","sentiment_score":0.03223143890500069},{"text":"If I if I didn't have the facility to buy property, then I'd say, yes.","start":900.86,"end":904.86,"sentiment":"neutral","sentiment_score":0.005569583456963301}],"sentiment":"neutral","sentiment_score":-0.03961487425371043,"num_words":31,"start":890.36505,"end":904.86},{"sentences":[{"text":"I will sacrifice the will.","start":904.86,"end":906.32,"sentiment":"neutral","sentiment_score":-0.002061789855360985},{"text":"It's okay.","start":906.38,"end":907.12,"sentiment":"neutral","sentiment_score":0.06044720485806465},{"text":"But I don't have to do that, and I don't wanna have to do this job until I'm 67.","start":907.26,"end":914.91504,"sentiment":"neutral","sentiment_score":-0.001612234198929448},{"text":"Yes.","start":938.54504,"end":939.04504,"sentiment":"neutral","sentiment_score":0.10315068811178207},{"text":"What is my super sitting at the moment?","start":957.41003,"end":959.19,"sentiment":"neutral","sentiment_score":0.01763691147789359}],"sentiment":"neutral","sentiment_score":0.009262828302702733,"num_words":35,"start":904.86,"end":959.19},{"sentences":[{"text":"Has it recovered any from the idiot?","start":961.435,"end":963.45496,"sentiment":"neutral","sentiment_score":-0.02303969514157091},{"text":"Yeah.","start":975.87,"end":976.03,"sentiment":"neutral","sentiment_score":0.05023517832159996},{"text":"I went down about 12,000 or something ago.","start":976.03,"end":979.17,"sentiment":"neutral","sentiment_score":-0.23276676423847675},{"text":"10,000 something, I think, maybe.","start":979.47003,"end":981.81,"sentiment":"neutral","sentiment_score":-0.0799393467605114},{"text":"It's fine.","start":990.025,"end":990.765,"sentiment":"neutral","sentiment_score":0.23647060990333557}],"sentiment":"neutral","sentiment_score":-0.08260575285100419,"num_words":23,"start":961.435,"end":990.765},{"sentences":[{"text":"That's fine.","start":995.385,"end":996.265,"sentiment":"neutral","sentiment_score":0.10776518285274506},{"text":"I'll just go home.","start":996.265,"end":997.405,"sentiment":"neutral","sentiment_score":0.1363716945052147},{"text":"Let's do 10,000 steps.","start":998.42505,"end":999.965,"sentiment":"neutral","sentiment_score":0.12506191805005074},{"text":"Yeah.","start":1005.42,"end":1005.74,"sentiment":"neutral","sentiment_score":-0.1631436049938202},{"text":"I don't even write.","start":1005.74,"end":1006.7,"sentiment":"negative","sentiment_score":-0.36483969539403915}],"sentiment":"neutral","sentiment_score":-0.024082504709561667,"num_words":15,"start":995.385,"end":1006.7},{"sentences":[{"text":"It's not even worth it for the heart rate.","start":1006.7,"end":1008.46,"sentiment":"negative","sentiment_score":-0.5044602387481265},{"text":"Walking doesn't do anything to my heart rate.","start":1008.46,"end":1010.14,"sentiment":"neutral","sentiment_score":-0.23626822419464588},{"text":"I'm good enough not to even affect me.","start":1010.14,"end":1013.04,"sentiment":"neutral","sentiment_score":-0.03079354763031006},{"text":"It's just the fact I've done 2,000.","start":1013.33496,"end":1015.035,"sentiment":"neutral","sentiment_score":-0.009984448286039489},{"text":"That's actually a 125.","start":1015.33496,"end":1016.535,"sentiment":"neutral","sentiment_score":-0.009574610507115722}],"sentiment":"neutral","sentiment_score":-0.1884673862045424,"num_words":36,"start":1006.7,"end":1016.535},{"sentences":[{"text":"Damn.","start":1016.535,"end":1016.695,"sentiment":"neutral","sentiment_score":-0.06251654028892517},{"text":"It actually did something.","start":1016.695,"end":1017.83496,"sentiment":"neutral","sentiment_score":-0.07241284754127264},{"text":"That's fine.","start":1038.1399,"end":1038.94,"sentiment":"neutral","sentiment_score":0.019881953485310078},{"text":"That went down more than I thought it did.","start":1038.94,"end":1040.745,"sentiment":"neutral","sentiment_score":-0.2739287581708696},{"text":"I haven't checked it in a week or two.","start":1040.985,"end":1042.345,"sentiment":"neutral","sentiment_score":-0.0824032545917564}],"sentiment":"neutral","sentiment_score":-0.1407756855338812,"num_words":25,"start":1016.535,"end":1042.345},{"sentences":[{"text":"Couple of few weeks.","start":1042.345,"end":1043.465,"sentiment":"neutral","sentiment_score":-0.049590117298066616},{"text":"Come on.","start":1043.465,"end":1043.865,"sentiment":"neutral","sentiment_score":-0.0318122822791338},{"text":"Shit.","start":1043.865,"end":1044.105,"sentiment":"neutral","sentiment_score":-0.03574958071112633},{"text":"That's going down way more than I thought.","start":1044.105,"end":1045.645,"sentiment":"neutral","sentiment_score":-0.10150193609297276},{"text":"Yeah.","start":1089.14,"end":1089.46,"sentiment":"neutral","sentiment_score":-0.05348831415176392}],"sentiment":"neutral","sentiment_score":-0.0727024010848254,"num_words":16,"start":1042.345,"end":1089.46},{"sentences":[{"text":"Because I freaked out about yeah.","start":1089.46,"end":1092.68,"sentiment":"neutral","sentiment_score":-0.1360109063486258},{"text":"When it was down.","start":1093.14,"end":1094.2001,"sentiment":"neutral","sentiment_score":-0.020650277845561504},{"text":"Okay.","start":1122.8099,"end":1123.215,"sentiment":"neutral","sentiment_score":0.2920733094215393},{"text":"Okay.","start":1163.3251,"end":1163.8251,"sentiment":"neutral","sentiment_score":0.07694810628890991},{"text":"No.","start":1164.045,"end":1164.285,"sentiment":"neutral","sentiment_score":0.09301648288965224}],"sentiment":"neutral","sentiment_score":-0.03358681929799227,"num_words":13,"start":1089.46,"end":1164.285},{"sentences":[{"text":"That should be fine.","start":1164.285,"end":1165.23,"sentiment":"neutral","sentiment_score":0.23151276633143425},{"text":"Yep.","start":1190.92,"end":1191.16,"sentiment":"neutral","sentiment_score":0.12576666474342346},{"text":"Yep.","start":1191.16,"end":1191.66,"sentiment":"neutral","sentiment_score":0.1821596324443817},{"text":"Okay.","start":1207.7351,"end":1208.135,"sentiment":"positive","sentiment_score":0.4425245523452759},{"text":"Sounds good.","start":1208.135,"end":1209.5951,"sentiment":"positive","sentiment_score":0.8003513514995575}],"sentiment":"positive","sentiment_score":0.3641338464286592,"num_words":9,"start":1164.285,"end":1209.5951},{"sentences":[{"text":"You too.","start":1211.9751,"end":1212.615,"sentiment":"positive","sentiment_score":0.6507193744182587},{"text":"Bye.","start":1212.615,"end":1213.115,"sentiment":"positive","sentiment_score":0.4441843032836914}],"sentiment":"positive","sentiment_score":0.5818743507067362,"num_words":3,"start":1211.9751,"end":1213.115}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. I'm speaking.\n\nChannel 0: Good afternoon, Alana. It's Tommy here, senior adviser from. How are you doing today?\n\nChannel 1: Yes. How are you?\n\nChannel 0: I'm doing fantastic. It is a bright, beautiful day on the Gold Coast. What about your end?\n\nChannel 1: Yes.\n\nChannel 0: Sunny? Beautiful. Thank you so much for taking the time. I was giving you a call because you're booked in with Veronica today just to have a bit of a catch up on the, like, health reviews, insurances, that kind of thing. Do you still have five minutes for me?\n\nChannel 1: Yep. As long\n\nChannel 0: Perfect.\n\nChannel 1: as she doesn't care. I'm walking.\n\nChannel 0: Sorry, mate. You're just walking at the moment?\n\nChannel 1: Yep.\n\nChannel 0: No worries\n\nChannel 1: I don't care.\n\nChannel 0: at all.\n\nChannel 1: I'm just saying as long as she doesn't care.\n\nChannel 0: Yeah. No. That's totally fine. Veronica was actually sick today, So I reviewed your file, had to talk to her, and wanted to give you a call because we had a few ideas for you. Before I jump into it, are you okay for the call to be recorded?\n\nYep. And just as usual security process, I'm registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please? Amazing. Thank you so much for that, Alana.\n\nNow you've been going through quite the process when it comes to insurances, health questions, all that kind of thing. I had a pretty in-depth chat with Veronica. She basically called up every single insurer and kind of went to bat for you and just kind of argued with everybody on your behalf, and she's come up with a couple of ideas. So as a bit of a refresher, do you remember having, like, an exclusion for your lower back on the insurance policy? Does that ring a bell?\n\nChannel 1: Yeah. I don't believe that should be wrong. I never broke my back. I've never done a disc. I've never done anything like that.\n\nDon't\n\nChannel 0: Exactly\n\nChannel 1: ever been\n\nChannel 0: right.\n\nChannel 1: a strain. So people\n\nChannel 0: Exactly\n\nChannel 1: don't everyone\n\nChannel 0: right.\n\nChannel 1: strains their back at some point in their life.\n\nChannel 0: Yeah. And everyone goes to, you know, chiro, physio. Sometimes you take a bit of Panadol or Nurofen or something like that. It's not like you've had a slipped disc or something like that.\n\nChannel 1: Yeah.\n\nChannel 0: So we did a bit of clarifying research. And what it basically came down to is I spoke to the senior underwriter at Zurich OnePath, and they think that it's possible to get that reviewed and removed if we clarify a couple of things for them. Is that okay? So what it basically came down to was we had listed in the application that back in 2008, you were doing some general maintenance with the chiro. And then in 2022, that's when you had that back spasm.\n\nDoes that ring a bell? Does that sound correct?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And then what they've basically done is gone, oh, if you had there was a mention of potentially having it exacerbated at work. So what they basically linked together is saying, okay. So if you go into Cairo in 2008 and it's gradually getting worse because of work and then you have to go and seek treatment and physio and needling and medication in 2022, they're treating it as a fourteen year issue rather than separate instances. So\n\nChannel 1: Two\n\nChannel 0: if 2,000\n\nChannel 1: Two different\n\nChannel 0: eight\n\nChannel 1: jobs.\n\nChannel 0: was just exactly. Different jobs\n\nChannel 1: One was\n\nChannel 0: and\n\nChannel 1: plumbing. One sitting in a dump truck. Actually, no. I was dewatering them, but two different\n\nChannel 0: that's\n\nChannel 1: jobs.\n\nChannel 0: right. So occupation has since changed. 2008 was basically general maintenance with the Cairo, 2022 unrelated incidents. That's kind of what they wanna clarify, and then they're happy to remove the exclusion.\n\nChannel 1: 2022 was actually not even my job. I tripped over at my job in the fuel bank. I was\n\nChannel 0: Oh,\n\nChannel 1: even\n\nChannel 0: jeez.\n\nChannel 1: actually doing my job.\n\nChannel 0: Perfect. Perfect. So\n\nChannel 1: Yeah. So it wasn't\n\nChannel 0: does\n\nChannel 1: even\n\nChannel 0: that\n\nChannel 1: anything\n\nChannel 0: sound\n\nChannel 1: to do with job.\n\nChannel 0: does that actually sound, like, correct that, like, general maintenance in 2008 and then fourteen years later, they slipped over and and had that issue with the lower back and recovered from it? Does that sound correct?\n\nChannel 1: Yeah. It was just a spasm. I'm back at work\n\nChannel 0: Cool.\n\nChannel 1: within four weeks. And they put me\n\nChannel 0: Easy\n\nChannel 1: on like days\n\nChannel 0: done.\n\nChannel 1: as I work the whole time.\n\nChannel 0: Bit of bit of light duties, bit of Panadol, something like that. Couple of physio trips and done.\n\nChannel 1: Yeah. It's work. They make you.\n\nChannel 0: Perfect. So if you're comfortable with this, they are happy to review it just based on just, like, a a written statement, like, literally an email. And I can basically send you through a thing with what they're after to clarify, which is basically three things. That 2008 just clarify the difference between 2008 and 2022, Then also clarify if you're having any exacerbated issues with work, which obviously you're not. And\n\nChannel 1: Yep.\n\nChannel 0: then we're basically just gonna quote, like, policy number called exclusion review in the email heading, and we've got all of the questions that they had into in that original application. We're basically just gonna clarify those questions with extra context, and then they're pretty well good to go. So if you're comfortable with that, I will package up a bit of an email for you this week just\n\nChannel 1: Okay.\n\nChannel 0: explaining\n\nChannel 1: Yep.\n\nChannel 0: that in-depth because, again, how you word things comes across a certain way to insurers. And then if you're happy to, like, respond to us clarifying, then we can forward that off and get it reviewed.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Cool. The last thing I wanted to check with you was Veronica is very in-depth. She likes to check all of your options, and she did find, I think, MetLife was gonna offer you some income protection. And I just wanted to double check if you were still trying to obtain income protection or if you're just trying to review that exclusion and keep your one path policy in place.\n\nChannel 1: What do you mean?\n\nChannel 0: So did you want to apply for extra insurances like an income protection policy on top of what you already have? Because you've got life and disability cover. Were you wanting a third policy or just to keep this one the way it is and get that exclusion off?\n\nChannel 1: Get the exclusion off.\n\nChannel 0: Yep.\n\nChannel 1: Get me a price on income protection,\n\nChannel 0: Sure.\n\nChannel 1: but I don't need it for the first year if that makes it cheaper. Because work work does it for two years or something like that.\n\nChannel 0: Yeah. So that makes it\n\nChannel 1: Because I\n\nChannel 0: very\n\nChannel 1: have income protection with two years. So\n\nChannel 0: yeah. So that makes it very affordable. There's certain things that you can do where you can change the waiting period. And I've seen this done before where you can even have on some providers a two year waiting period to click on at the end of your work one.\n\nChannel 1: Yeah. Because my work actually does they actually have a where they if you injure yourself, it doesn't even go through work cover to start with. It well, the two year thing, it actually goes to this so basically, they have a certain amount of per employee per time they hurt themselves that they\n\nChannel 0: Yeah.\n\nChannel 1: give you for everything. And then they\n\nChannel 0: And\n\nChannel 1: start the work cover and the two year thing afterwards.\n\nChannel 0: yeah. Yeah. Yeah. And I even saw\n\nChannel 1: And\n\nChannel 0: that\n\nChannel 1: the two\n\nChannel 0: they even offer you, like, a year's worth of pay for, like, life insurance and little benefits like that.\n\nChannel 1: yeah. Yes. Yeah. That's automatic. You got\n\nChannel 0: Yeah.\n\nChannel 1: a year\n\nChannel 0: Awesome.\n\nChannel 1: of your wage. So one of your wages when you die, your family gets.\n\nChannel 0: Yeah. Cool. So what I'll do is I'll get the quotes drafted up because we'll try and kick out the waiting period just to see if it becomes affordable or not. MetLife might be a go there, one path maybe, but at least try and get that exclusion reviewed. So I'll package this up and talk to Veronica tomorrow, get some quotes, get some emails off to you, and we should be good to go from there.\n\nAnd you can sort of decide how you wanna go about it once we get you the info.\n\nChannel 1: Yep. I'm at a 135,000 now.\n\nChannel 0: 135. Perfect. Perfect. Perfect. And I've\n\nChannel 1: That's\n\nChannel 0: got all\n\nChannel 1: just\n\nChannel 0: the information.\n\nChannel 1: base. Do I take into account the rest or just your base?\n\nChannel 0: Well, up to you. Because when you've got your base, you can do 70% as a maximum. So I'll just quickly work that back for you. Let's see what we're looking at at the cover amounts. 135,000, 70% monthly benefit.\n\nSo you get $7,875 per month gross from that policy based on your base income. The going above base is okay, but when you go to claim, you've got to kind of show them twelve month income to kind of prove that you've earned that much to warrant protecting that much. Does that make sense?\n\nChannel 1: Yeah. Oh,\n\nChannel 0: Perfect.\n\nChannel 1: I always go over. But\n\nChannel 0: Always.\n\nChannel 1: my tax brings it down. Does that make any difference? I owe my\n\nChannel 0: Not too much.\n\nChannel 1: 50,000.\n\nChannel 0: So it's really just about gross income, a percentage of that. And if you got, say, $7,800 a month just under $2 a week before tax, would that be okay to live on for a couple of years after your work cover clicks off? Or do you\n\nChannel 1: Yeah.\n\nChannel 0: wanna try\n\nChannel 1: But\n\nChannel 0: and go\n\nChannel 1: if\n\nChannel 0: a\n\nChannel 1: I\n\nChannel 0: bit\n\nChannel 1: say\n\nChannel 0: higher?\n\nChannel 1: yeah. Because I've got my other half income. So yeah.\n\nChannel 0: That can\n\nChannel 1: Is it\n\nChannel 0: subsidize\n\nChannel 1: only\n\nChannel 0: it.\n\nChannel 1: for a couple\n\nChannel 0: So\n\nChannel 1: of years? Is that the only how long they do it for?\n\nChannel 0: well, you can get a benefit period of up to five years.\n\nChannel 1: About all these days.\n\nChannel 0: Sometimes if you're white collar, you can get age 65, but once you're in the industry that you're in, five years is the max.\n\nChannel 1: Okay. Because plumbing back when I did it 25, that was lifetime then. 55 or\n\nChannel 0: Yeah.\n\nChannel 1: whatever.\n\nChannel 0: And at the\n\nChannel 1: And\n\nChannel 0: moment,\n\nChannel 1: that's\n\nChannel 0: it's still\n\nChannel 1: physical.\n\nChannel 0: the open cut mining and all that kind of thing, isn't it?\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yeah. It's just, unfortunately, mining industry always cops that extra tick down into heavier heavier risk, I guess they call it. Underground\n\nChannel 1: Yeah.\n\nChannel 0: is pretty\n\nChannel 1: But\n\nChannel 0: much just like a no go for anybody\n\nChannel 1: if\n\nChannel 0: at the moment.\n\nChannel 1: yeah. But if you're gonna go over that period, you're probably terminal or whatever. You're gonna get TPG anyway.\n\nChannel 0: Correct. So you've got that TPD cover, which is well over 500,000 plus your super as well. So it's really just to get you by for more of those short to medium term injuries.\n\nChannel 1: Yeah. Yeah. Yeah. Two year waiting period and then five years.\n\nChannel 0: Yeah. Cool. I'll get off the quote drawn for that. We'll get that email drawn up for you for the exclusion review, and I will basically sit down with Veronica and work it out tomorrow, and we'll get back\n\nChannel 1: And\n\nChannel 0: to you\n\nChannel 1: you\n\nChannel 0: as\n\nChannel 1: have\n\nChannel 0: soon as we can.\n\nChannel 1: if I did it straight away, like, all month, whatever it is, can you have two different policies paying you at the same time?\n\nChannel 0: They do overlap. So, yes, you can have multiple policies. But let's say you had a policy that covered you for a 100,000, another one that covered you for 50, and you're earned a 150, they can both fill up your maximum, but\n\nChannel 1: Yep.\n\nChannel 0: you can't have two overlapping on the same income, if that makes sense. You can't have two paying out\n\nChannel 1: Yeah.\n\nChannel 0: on a $100 income and double your payments.\n\nChannel 1: Yep. It'll have to be a two year waiting period then. That's why I'm still at this point, but that's your two year\n\nChannel 0: Did\n\nChannel 1: waiting\n\nChannel 0: they give\n\nChannel 1: period.\n\nChannel 0: you a solid was it 75% of your income\n\nChannel 1: Yes.\n\nChannel 0: for two years?\n\nChannel 1: But super comes out of that where I'm guessing that one I have to pay my own super.\n\nChannel 0: Yeah. Or you add on, like, a super benefit on top, and, obviously, that makes it a bit more pricey, but we can always check that as well.\n\nChannel 1: Yes. Didn't know you can do that. Yes. Add a\n\nChannel 0: Yeah.\n\nChannel 1: super on top.\n\nChannel 0: Beautiful. So base income plus super, two year wait, five year benefit, see what the price looks like. We'll obviously update some projections for the impact on the super. Up to you whether you wanna pay for it out of pocket, get the full tax deduction, put it through your super, let the super cover the cost, or even salary sacrifice into the super to help cover the cost and get deductions. Any preferences there?\n\nChannel 1: Give us both. I don't really want to at the moment, but in about six months time, it might be different.\n\nChannel 0: Well, what you can do then is let's say you put it through your super so it does the heavy lifting. We'll make sure it's not sliding you backwards or stopping you from getting your goal. But then if you get to a point where you can contribute to it, you can do a bit of salary sacrifice that goes in at 15% rather than your marginal rate, and you pretty much get the same outcome.\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: So it just gives you flexibility to turn it on and off, subsidize it, get deductions, but only when you can afford to do so.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. So potential with the self sag. Is there a bit of a, just out of curiosity, a bit of a maximum that you would consider putting in, or is this just something that we should revisit in six months?\n\nChannel 1: I'm not selling Shopify Super at this age.\n\nChannel 0: Yep. Perfect. I'll leave it out for\n\nChannel 1: I\n\nChannel 0: now,\n\nChannel 1: was\n\nChannel 0: and\n\nChannel 1: I'd\n\nChannel 0: we'll\n\nChannel 1: like\n\nChannel 0: just talk you\n\nChannel 1: well,\n\nChannel 0: through what it might be.\n\nChannel 1: yeah. Yeah. So if I was gonna sell a fry sacrifice into super, it would be afterwards to bring my tax down, if that makes sense,\n\nChannel 0: Yes. Yep. Easy done.\n\nChannel 1: or my rebate back, whatever. How much do I get back if I sell if I if I sue put super out of my income after tax into a super fund, how much does that benefit me at tax time in getting money\n\nChannel 0: Yes.\n\nChannel 1: back?\n\nChannel 0: So the way it works is, let's say, well, you're on a $135. Right? So you should be right in that sort of 37% bracket around about maybe borderline 32%. So\n\nChannel 1: Just spent almost 50,000 last year on tax. I'm paying for three\n\nChannel 0: it's\n\nChannel 1: or four people to live.\n\nChannel 0: yeah. I'm the same way, mate. I hate it too. So the way it basically works is let's say you've got your after tax money that you've got in your bank and you chuck a thousand bucks in. You get that full deduction and you get that 37¢ on the dollar back, but then the super fund takes out its 15% because concessional contributions are 15%.\n\nSo the net benefit is 22%, but you get the 37\n\nChannel 1: Okay.\n\nChannel 0: back in your pocket. If you salary sacrifice, that happens automatically through the payroll system. They put it\n\nChannel 1: Yeah.\n\nChannel 0: in pretax,\n\nChannel 1: Yeah.\n\nChannel 0: and you get taxed on the leftover.\n\nChannel 1: Yep.\n\nChannel 0: So you have\n\nChannel 1: I'm\n\nChannel 0: both options. Either do end of financial\n\nChannel 1: getting\n\nChannel 0: year lump sums or sales back down the line, whatever sort of fits with your\n\nChannel 1: yeah.\n\nChannel 0: lifestyle, I\n\nChannel 1: Yeah. No. I see. I'd rather invest elsewhere because if I wanna retire early, I can't touch\n\nChannel 0: guess.\n\nChannel 1: my seat until I'm sixty sixty seven anyway. So it's not beneficial to me. I'd\n\nChannel 0: Yeah.\n\nChannel 1: rather\n\nChannel 0: And\n\nChannel 1: buy\n\nChannel 0: if\n\nChannel 1: property\n\nChannel 0: you'd wanna\n\nChannel 1: and and\n\nChannel 0: build\n\nChannel 1: stuff\n\nChannel 0: your\n\nChannel 1: outside.\n\nChannel 0: assets, property, and then you can retire in your fifties, and then super can click in after that.\n\nChannel 1: Yeah. Yeah. If I if I didn't have the facility to buy property, then I'd say, yes. I will sacrifice the will. It's okay.\n\nBut\n\nChannel 0: Yep.\n\nChannel 1: I don't have to do that, and I don't\n\nChannel 0: No\n\nChannel 1: wanna\n\nChannel 0: worries.\n\nChannel 1: have to do this job until I'm 67.\n\nChannel 0: Easy done. So we'll make sure that we focus on, again, the underwriting side of things. Quote for the income protection, we won't touch salary sacrifice, but I'll put the premiums through super for now. And we're basically gonna try and make sure it's less than, say, 30% of your contributions to make sure it's not slowing down your growth too much.\n\nChannel 1: Yes.\n\nChannel 0: Alrighty. Perfect. Just be careful with that email once we get it through to you in, I guess, how you craft your response there. But as long as we separate them quite cleanly, you should be good to go. Do you have any questions for me, Alana?\n\nChannel 1: What is my super sitting at the moment?\n\nChannel 0: I will have\n\nChannel 1: Has\n\nChannel 0: to\n\nChannel 1: it\n\nChannel 0: log\n\nChannel 1: recovered\n\nChannel 0: in. I do\n\nChannel 1: any from the idiot?\n\nChannel 0: Yeah. Yeah. The last two weeks have had a huge bounce back, which has been good. I think most people are up another three, four, 5% depending on what portfolio you're in.\n\nChannel 1: Yeah. I went down about 12,000 or something ago. 10,000 something, I think, maybe.\n\nChannel 0: It'll probably take me about two minutes to bring up your account and check the performance. Are you happy to wait just a minute for me?\n\nChannel 1: It's fine.\n\nChannel 0: No worries. If I go quiet for a second, it's just because I'm doing multifactor\n\nChannel 1: That's\n\nChannel 0: authentication.\n\nChannel 1: fine. I'll just go home. Let's do 10,000 steps.\n\nChannel 0: 10,000. Brilliant. Have you got one of the smartwatches to check heart rate and all that kind of thing?\n\nChannel 1: Yeah. I don't even write. It's not even worth it for the heart rate. Walking doesn't do anything to my heart rate. I'm good enough not to even affect me.\n\nIt's just the fact\n\nChannel 0: There\n\nChannel 1: I've\n\nChannel 0: you\n\nChannel 1: done\n\nChannel 0: go.\n\nChannel 1: 2,000. That's actually a 125. Damn. It actually did something.\n\nChannel 0: Okay. Here we go. Logged in. Loading up. Let's see how you've gone in the last three months.\n\nAlright. Yeah. So it went down to $1.88, and it's bounced back up to $1.98, which is just a tiny bit shy of the 200 you were sitting at\n\nChannel 1: That's\n\nChannel 0: two months\n\nChannel 1: fine.\n\nChannel 0: ago.\n\nChannel 1: That went down more than I thought it did. I haven't checked it\n\nChannel 0: Yeah.\n\nChannel 1: in a week or two. Couple of few weeks. Come on. Shit.\n\nChannel 0: What\n\nChannel 1: That's\n\nChannel 0: are\n\nChannel 1: going\n\nChannel 0: you\n\nChannel 1: down\n\nChannel 0: sitting\n\nChannel 1: way\n\nChannel 0: at?\n\nChannel 1: more than\n\nChannel 0: You're\n\nChannel 1: I thought.\n\nChannel 0: in a oh, yeah. You're in a high growth. Every high growth client that we've got basically bouncing around double digits at the moment. And because you're at 200,000, we're talking 5 to $10 in a week or two, up or down. It is quite volatile.\n\nContributions going in are bought in at a perfect little low in the market, which is good. So that's the main thing. Right? Contributions come in. Market dips get to buy all those shares and property for a cheaper price when it bounces back.\n\nPlease just bear in mind the next three to six months at least, it's gonna be going up and down every week. And once it shoot through to the end, yeah, you're in a pretty good portfolio. I think Veronica's cleaned up a few investment options for you, switched out\n\nChannel 1: Yeah.\n\nChannel 0: that\n\nChannel 1: Because I\n\nChannel 0: option that\n\nChannel 1: freaked\n\nChannel 0: was underperforming.\n\nChannel 1: out about yeah. When it\n\nChannel 0: Even\n\nChannel 1: was\n\nChannel 0: that\n\nChannel 1: down.\n\nChannel 0: one, that's jumped up a thousand since the switchover just on its own, and all the other options are in the positive. Gold's doing well. Your American shares are doing well. Even your property's up a little bit even though most of the property funds have gone down recently, which is really strange to say. But when people sell off those funds, they tend to go down even if property is such a fantastic asset.\n\nBut overall, everything's in the green pretty much.\n\nChannel 1: Okay.\n\nChannel 0: Awesome. Look. If anything else pops up where you're looking at it, you're like, oh, it's just not behaving the way I'm comfortable with, let us know. But, again, solid assets in there, high growth. You're gonna be getting those huge surges on the way up.\n\nAnd we've got you set for, like, an a review in a few weeks' time anyway. So I kind of wanna get Veronica just tie in your super, how the contributions are looking, the insurance changes all into one piece, if that's okay. And then you should be set for another six to twelve months, I reckon. Cool. Cool.\n\nCool. Any other questions for me, Alana?\n\nChannel 1: Okay. No. That should be fine.\n\nChannel 0: Easy done. So if it's okay with you, once we send you this information, if you can pop that back to us over the next couple of weeks, then we'll get you booked in for that catch up with Veronica just to kind of recap and package everything up into one go. Ideally, we just update your your advice plan so you've got it all in writing, and it's current for 2026.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Awesome. Well, I really appreciate you taking the time while you're on your walk. I will go talk to her first thing in the morning, and we will be in touch very soon via email and call. And we'll flick you a text once we email you. Just give you a heads up.\n\nChannel 1: Okay. Sounds good.\n\nChannel 0: Thanks so much, mate. You have a fantastic day.\n\nChannel 1: You too. Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.1999999,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.03213877230882645},{"text":"I'm speaking.","start":1.4399999,"end":2.02,"sentiment":"neutral","sentiment_score":0.03781643323600292}],"sentiment":"neutral","sentiment_score":0.035923879593610764,"channel":1,"num_words":3,"start":1.1999999,"end":2.02},{"sentences":[{"text":"Good afternoon, Alana.","start":2.96,"end":4.0,"sentiment":"neutral","sentiment_score":0.2923497259616852},{"text":"It's Tommy here, senior adviser from.","start":4.0,"end":5.8599997,"sentiment":"neutral","sentiment_score":0.21103430291016897},{"text":"How are you doing today?","start":5.92,"end":6.8999996,"sentiment":"neutral","sentiment_score":0.1919853448867798}],"sentiment":"neutral","sentiment_score":0.2216558371271406,"channel":0,"num_words":14,"start":2.96,"end":6.8999996},{"sentences":[{"text":"Yes.","start":7.2799997,"end":7.6,"sentiment":"neutral","sentiment_score":0.12875160574913025},{"text":"How are you?","start":7.6,"end":8.34,"sentiment":"neutral","sentiment_score":0.14736863474051157}],"sentiment":"neutral","sentiment_score":0.14271437749266624,"channel":1,"num_words":4,"start":7.2799997,"end":8.34},{"sentences":[{"text":"I'm doing fantastic.","start":8.559999,"end":9.86,"sentiment":"positive","sentiment_score":0.7199522256851196},{"text":"It is a bright, beautiful day on the Gold Coast.","start":10.0,"end":12.0,"sentiment":"positive","sentiment_score":0.6585978150367737},{"text":"What about your 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thing.","start":18.105,"end":26.824999,"sentiment":"neutral","sentiment_score":0.15955273038707674},{"text":"Do you still have five minutes for me?","start":26.824999,"end":28.605,"sentiment":"neutral","sentiment_score":0.050527650862932205}],"sentiment":"neutral","sentiment_score":0.216718403249979,"channel":0,"num_words":50,"start":15.224999,"end":28.605},{"sentences":[{"text":"Yep.","start":29.255001,"end":29.755001,"sentiment":"neutral","sentiment_score":0.04062585532665253},{"text":"As long","start":30.47,"end":30.669998,"sentiment":"neutral","sentiment_score":0.053090840578079224}],"sentiment":"neutral","sentiment_score":0.048935845494270325,"channel":1,"num_words":3,"start":29.255001,"end":30.669998},{"sentences":[{"text":"Perfect.","start":30.57,"end":31.07,"sentiment":"neutral","sentiment_score":0.1464426815509796}],"sentiment":"neutral","sentiment_score":0.1464426815509796,"channel":0,"num_words":1,"start":30.57,"end":31.07},{"sentences":[{"text":"as she doesn't care.","start":30.669998,"end":31.269999,"sentiment":"neutral","sentiment_score":0.02769241901114583},{"text":"I'm walking.","start":31.269999,"end":31.849998,"sentiment":"neutral","sentiment_score":0.00973582942970097}],"sentiment":"neutral","sentiment_score":0.02170688915066421,"channel":1,"num_words":6,"start":30.669998,"end":31.849998},{"sentences":[{"text":"Sorry, mate.","start":32.73,"end":33.13,"sentiment":"neutral","sentiment_score":-0.0319379810243845},{"text":"You're just walking at the moment?","start":33.13,"end":34.43,"sentiment":"neutral","sentiment_score":-0.010382093799610933}],"sentiment":"neutral","sentiment_score":-0.015771065605804324,"channel":0,"num_words":8,"start":32.73,"end":34.43},{"sentences":[{"text":"Yep.","start":34.95,"end":35.45,"sentiment":"neutral","sentiment_score":-0.00014486163854599}],"sentiment":"neutral","sentiment_score":-0.00014486163854599,"channel":1,"num_words":1,"start":34.95,"end":35.45},{"sentences":[{"text":"No worries","start":36.17,"end":36.809998,"sentiment":"neutral","sentiment_score":-0.04738376475870609}],"sentiment":"neutral","sentiment_score":-0.04738376475870609,"channel":0,"num_words":2,"start":36.17,"end":36.809998},{"sentences":[{"text":"I don't care.","start":36.55,"end":37.11,"sentiment":"neutral","sentiment_score":-0.09139001369476318}],"sentiment":"neutral","sentiment_score":-0.09139001369476318,"channel":1,"num_words":3,"start":36.55,"end":37.11},{"sentences":[{"text":"at all.","start":36.809998,"end":37.47,"sentiment":"neutral","sentiment_score":-0.07989253103733063}],"sentiment":"neutral","sentiment_score":-0.07989253103733063,"channel":0,"num_words":2,"start":36.809998,"end":37.47},{"sentences":[{"text":"I'm just saying as long as she doesn't care.","start":37.11,"end":38.97,"sentiment":"neutral","sentiment_score":-0.08106387323803371}],"sentiment":"neutral","sentiment_score":-0.08106387323803371,"channel":1,"num_words":9,"start":37.11,"end":38.97},{"sentences":[{"text":"Yeah.","start":39.53,"end":39.77,"sentiment":"neutral","sentiment_score":-0.0017441939562559128},{"text":"No.","start":39.77,"end":40.01,"sentiment":"neutral","sentiment_score":-0.03248324990272522},{"text":"That's totally fine.","start":40.01,"end":41.07,"sentiment":"neutral","sentiment_score":0.0035934398571650186},{"text":"Veronica was actually sick today, So I reviewed your file, had to talk to her, and wanted to give you a call because we had a few ideas for you.","start":41.29,"end":50.215,"sentiment":"neutral","sentiment_score":-0.07480327381441991},{"text":"Before I jump into it, are you okay for the call to be recorded?","start":50.675003,"end":54.215,"sentiment":"neutral","sentiment_score":-0.008284095076045819}],"sentiment":"neutral","sentiment_score":-0.048643319791524996,"channel":0,"num_words":49,"start":39.53,"end":54.215},{"sentences":[{"text":"Yep.","start":56.530003,"end":57.030003,"sentiment":"neutral","sentiment_score":0.018639234825968742},{"text":"And just as usual security process, I'm registered with ASIC as adviser 1273105.","start":57.09,"end":63.89,"sentiment":"neutral","sentiment_score":0.031752002855333},{"text":"Are you okay to confirm your date of birth and address, please?","start":63.89,"end":66.55,"sentiment":"neutral","sentiment_score":0.03490054219340285},{"text":"Amazing.","start":71.505,"end":72.005,"sentiment":"neutral","sentiment_score":0.24167919158935547},{"text":"Thank you so much for that, Alana.","start":72.064995,"end":73.524994,"sentiment":"positive","sentiment_score":0.3358099843774523}],"sentiment":"neutral","sentiment_score":0.10125208413228393,"channel":0,"num_words":34,"start":56.530003,"end":73.524994},{"sentences":[{"text":"Now you've been going through quite the process when it comes to insurances, health questions, all that kind of thing.","start":73.98499,"end":80.965,"sentiment":"neutral","sentiment_score":0.07136518899351359},{"text":"I had a pretty in-depth chat with Veronica.","start":81.24,"end":84.06,"sentiment":"neutral","sentiment_score":0.03857466974295676},{"text":"She basically called up every single insurer and kind of went to bat for you and just kind of argued with everybody on your behalf, and she's come up with a couple of ideas.","start":84.2,"end":94.86,"sentiment":"neutral","sentiment_score":0.05192246627719963},{"text":"So as a bit of a refresher, do you remember having, like, an exclusion for your lower back on the insurance policy?","start":95.595,"end":103.355,"sentiment":"neutral","sentiment_score":-0.05282308766618371},{"text":"Does that ring a bell?","start":103.355,"end":104.495,"sentiment":"neutral","sentiment_score":-0.0711931087076664}],"sentiment":"neutral","sentiment_score":0.022283050775779096,"channel":0,"num_words":89,"start":73.98499,"end":104.495},{"sentences":[{"text":"Yeah.","start":105.115,"end":105.435,"sentiment":"neutral","sentiment_score":-0.12525126338005066},{"text":"I don't believe that should be wrong.","start":105.435,"end":106.635,"sentiment":"negative","sentiment_score":-0.3714636947427477},{"text":"I never broke my back.","start":106.635,"end":107.515,"sentiment":"negative","sentiment_score":-0.3627632260322571},{"text":"I've never done a disc.","start":107.515,"end":108.235,"sentiment":"neutral","sentiment_score":-0.25179530382156373},{"text":"I've never done anything like 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good.","start":1208.135,"end":1209.5951,"sentiment":"positive","sentiment_score":0.8003513514995575}],"sentiment":"positive","sentiment_score":0.6810757517814636,"channel":1,"num_words":3,"start":1207.7351,"end":1209.5951},{"sentences":[{"text":"Thanks so much, mate.","start":1209.135,"end":1210.015,"sentiment":"positive","sentiment_score":0.8827781528234482},{"text":"You have a fantastic day.","start":1210.015,"end":1211.395,"sentiment":"positive","sentiment_score":0.8597184300422669}],"sentiment":"positive","sentiment_score":0.8699671957227919,"channel":0,"num_words":9,"start":1209.135,"end":1211.395},{"sentences":[{"text":"You too.","start":1211.9751,"end":1212.615,"sentiment":"positive","sentiment_score":0.6507193744182587},{"text":"Bye.","start":1212.615,"end":1213.115,"sentiment":"positive","sentiment_score":0.4441843032836914}],"sentiment":"positive","sentiment_score":0.5818743507067362,"channel":1,"num_words":3,"start":1211.9751,"end":1213.115},{"sentences":[{"text":"Thank you.","start":1213.295,"end":1213.855,"sentiment":"positive","sentiment_score":0.6962716579437256},{"text":"Bye.","start":1213.855,"end":1214.355,"sentiment":"neutral","sentiment_score":-0.11545226722955704}],"sentiment":"positive","sentiment_score":0.42569701621929806,"channel":0,"num_words":3,"start":1213.295,"end":1214.355}]},"summary":{"result":"success","short":"During a conversation between insurance advisers and customers, they discussed the benefits of their policies, including coverage for life insurance and employment protection. They emphasized the importance of showing income and working for a maximum benefit period. The conversation also touched on the benefits of investing in property and building assets, and the possibility of retirement plans. The speakers emphasized the importance of updating investment plans and advice. They briefly mentioned a dip in stock values due to market dips, but overall emphasized the benefits of their policies."},"intents":{"segments":[{"text":"I was giving you a call because you're booked in with Veronica today just to have a bit of a catch up on the, like, health reviews, insurances, that kind of thing. Do you still have five minutes for me? Yep.","start_word":49,"end_word":89,"intents":[{"intent":"Schedule a call","confidence_score":0.0010641778},{"intent":"Discuss health reviews","confidence_score":0.14731055}]},{"text":"Before I jump into it, are you okay for the call to be recorded? Yep.","start_word":159,"end_word":173,"intents":[{"intent":"Request call recording","confidence_score":0.0032221244}]},{"text":"Are you okay to confirm your date of birth and address, please? Amazing.","start_word":187,"end_word":199,"intents":[{"intent":"Confirm identity","confidence_score":0.4146461},{"intent":"Confirm date of birth","confidence_score":0.3635536}]},{"text":"So as a bit of a refresher, do you remember having, like, an exclusion for your lower back on the insurance policy? Does that ring a bell? Yeah.","start_word":269,"end_word":296,"intents":[{"intent":"Discuss insurance policies","confidence_score":0.016289081}]},{"text":"I've never done a disc. I've never done anything like that. Don't Exactly ever been right. a strain.","start_word":309,"end_word":326,"intents":[{"intent":"Discuss a disc","confidence_score":0.029932145}]},{"text":"So we did a bit of clarifying research.","start_word":377,"end_word":384,"intents":[{"intent":"Clarify research","confidence_score":0.011948344}]},{"text":"So what it basically came down to was we had listed in the application that back in 2008, you were doing some general maintenance with the chiro. And then in 2022, that's when you had that back spasm. Does that ring a bell? Does that sound correct? Yes.","start_word":426,"end_word":473,"intents":[{"intent":"Clarify definition","confidence_score":0.0040096412},{"intent":"Clarify post-employment experience","confidence_score":0.000030423747},{"intent":"Clarify job situation","confidence_score":0.014462983}]},{"text":"And then what they've basically done is gone, oh, if you had there was a mention of potentially having it exacerbated at work. So what they basically linked together is saying, okay. So if you go into Cairo in 2008 and it's gradually getting worse because of work and then you have to go and seek treatment and physio and needling and medication in 2022, they're treating it as a fourteen year issue rather than separate instances.","start_word":475,"end_word":551,"intents":[{"intent":"Clarify fallout","confidence_score":0.014001624}]},{"text":"Different jobs One was and plumbing. One sitting in a dump truck. Actually, no. I was dewatering them, but two different that's jobs. right.","start_word":563,"end_word":586,"intents":[{"intent":"Clarify jobs","confidence_score":0.003697147}]},{"text":"So occupation has since changed. 2008 was basically general maintenance with the Cairo, 2022 unrelated incidents. That's kind of what they wanna clarify, and then they're happy to remove the exclusion.","start_word":587,"end_word":617,"intents":[{"intent":"Clarify job occupation","confidence_score":0.305967}]},{"text":"That 2008 just clarify the difference between 2008 and 2022, Then also clarify if you're having any exacerbated issues with work, which obviously you're not. And Yep.","start_word":796,"end_word":822,"intents":[{"intent":"Clarify policy differences","confidence_score":0.23236859}]},{"text":"There's certain things that you can do where you can change the waiting period. And I've seen this done before where you can even have on some providers a two year waiting period to click on at the end of your work one. Yeah.","start_word":1117,"end_word":1160,"intents":[{"intent":"Adjust waiting period","confidence_score":0.00924223}]},{"text":"And I even saw And that the two they even offer you, like, a year's worth of pay for, like, life insurance and little benefits like that. yeah.","start_word":1236,"end_word":1263,"intents":[{"intent":"Provide insurance quotes","confidence_score":0.00067455333}]},{"text":"Let's see what we're looking at at the cover amounts. 135,000, 70% monthly benefit. So you get $7,875 per month gross from that policy based on your base income. The going above base is okay, but when you go to claim, you've got to kind of show them twelve month income to kind of prove that you've earned that much to warrant protecting that much. Does that make sense? Yeah.","start_word":1440,"end_word":1509,"intents":[{"intent":"Calculate policy coverage amount","confidence_score":0.00002370429}]},{"text":"I'll get off the quote drawn for that.","start_word":1810,"end_word":1817,"intents":[{"intent":"Request quote","confidence_score":0.050024528}]},{"text":"if I did it straight away, like, all month, whatever it is, can you have two different policies paying you at the same time?","start_word":1857,"end_word":1880,"intents":[{"intent":"Consolidate payment policy","confidence_score":0.0000021002431}]},{"text":"We'll obviously update some projections for the impact on the super. Up to you whether you wanna pay for it out of pocket, get the full tax deduction, put it through your super, let the super cover the cost, or even salary sacrifice into the super to help cover the cost and get deductions. Any preferences there?","start_word":2072,"end_word":2128,"intents":[{"intent":"Update projections","confidence_score":0.11942137}]},{"text":"So potential with the self sag. Is there a bit of a, just out of curiosity, a bit of a maximum that you would consider putting in, or is this just something that we should revisit in six months?","start_word":2257,"end_word":2295,"intents":[{"intent":"Discuss self-sag flexibility and max maximum","confidence_score":0.000001652513}]},{"text":"So if I was gonna sell a fry sacrifice into super, it would be afterwards to bring my tax down, if that makes sense, Yes. Yep. Easy done. or my rebate back, whatever. How much do I get back if I sell if I if I sue put super out of my income after tax into a super fund, how much does that benefit me at tax time in getting money Yes. back?","start_word":2329,"end_word":2401,"intents":[{"intent":"Discuss tax savings and deductions","confidence_score":0.010759558}]},{"text":"or my rebate back, whatever. How much do I get back if I sell if I if I sue put super out of my income after tax into a super fund, how much does that benefit me at tax time in getting money Yes. back?","start_word":2357,"end_word":2401,"intents":[{"intent":"Discuss tax saving and rebate benefits","confidence_score":0.00014195558}]},{"text":"Have you got one of the smartwatches to check heart rate and all that kind of thing? Yeah.","start_word":2935,"end_word":2952,"intents":[{"intent":"Verify investment","confidence_score":0.00014890323}]},{"text":"And we've got you set for, like, an a review in a few weeks' time anyway. So I kind of wanna get Veronica just tie in your super, how the contributions are looking, the insurance changes all into one piece, if that's okay. And then you should be set for another six to twelve months, I reckon. Cool. Cool. Cool.","start_word":3381,"end_word":3440,"intents":[{"intent":"Schedule review","confidence_score":0.052504405}]},{"text":"Ideally, we just update your your advice plan so you've got it all in writing, and it's current for 2026. Yep.","start_word":3505,"end_word":3525,"intents":[{"intent":"Update advice plan","confidence_score":0.60027176}]}]},"sentiments":{"segments":[{"text":"Hello. I'm speaking. Good afternoon, Alana. It's Tommy here, senior adviser from. How are you doing today? Yes. How are you?","start_word":0,"end_word":20,"sentiment":"neutral","sentiment_score":0.1806205213069916},{"text":"I'm doing fantastic. It is a bright, beautiful day on the Gold Coast.","start_word":21,"end_word":33,"sentiment":"positive","sentiment_score":0.6763326525688171},{"text":"What about your end? Yes. Sunny?","start_word":34,"end_word":39,"sentiment":"neutral","sentiment_score":0.16494323313236237},{"text":"Beautiful. Thank you so much for taking the time.","start_word":40,"end_word":48,"sentiment":"positive","sentiment_score":0.5651254653930664},{"text":"I was giving you a call because you're booked in with Veronica today just to have a bit of a catch up on the, like, health reviews, insurances, that kind of thing. Do you still have five minutes for me? Yep. As long Perfect. as she doesn't care. I'm walking. Sorry, mate. You're just walking at the moment? Yep. No worries I don't care. at all. I'm just saying as long as she doesn't care. Yeah. No. That's totally fine. Veronica was actually sick today, So I reviewed your file, had to talk to her, and wanted to give you a call because we had a few ideas for you. Before I jump into it, are you okay for the call to be recorded? Yep. And just as usual security process, I'm registered with ASIC as adviser 1273105. Are you okay to confirm your date of birth and address, please? Amazing.","start_word":49,"end_word":199,"sentiment":"neutral","sentiment_score":0.020909316837787628},{"text":"Thank you so much for that, Alana.","start_word":200,"end_word":206,"sentiment":"positive","sentiment_score":0.34352216124534607},{"text":"Now you've been going through quite the process when it comes to insurances, health questions, all that kind of thing. I had a pretty in-depth chat with Veronica. She basically called up every single insurer and kind of went to bat for you and just kind of argued with everybody on your behalf, and she's come up with a couple of ideas. So as a bit of a refresher, do you remember having, like, an exclusion for your lower back on the insurance policy? Does that ring a bell? Yeah.","start_word":207,"end_word":296,"sentiment":"neutral","sentiment_score":0.018610289320349693},{"text":"I don't believe that should be wrong. I never broke my back.","start_word":297,"end_word":308,"sentiment":"negative","sentiment_score":-0.35468900203704834},{"text":"I've never done a disc. I've never done anything like that. Don't Exactly ever been right. a strain. So people Exactly don't everyone right. strains their back at some point in their life. Yeah. And everyone goes to, you know, chiro, physio. Sometimes you take a bit of Panadol or Nurofen or something like that. It's not like you've had a slipped disc or something like that. Yeah. So we did a bit of clarifying research. And what it basically came down to is I spoke to the senior underwriter at Zurich OnePath, and they think that it's possible to get that reviewed and removed if we clarify a couple of things for them. Is that okay? So what it basically came down to was we had listed in the application that back in 2008, you were doing some general maintenance with the chiro. And then in 2022, that's when you had that back spasm. Does that ring a bell? Does that sound correct? Yes. Yep. And then what they've basically done is gone, oh, if you had there was a mention of potentially having it exacerbated at work. So what they basically linked together is saying, okay. So if you go into Cairo in 2008 and it's gradually getting worse because of work and then you have to go and seek treatment and physio and needling and medication in 2022, they're treating it as a fourteen year issue rather than separate instances. So Two if 2,000 Two different eight jobs. was just exactly. Different jobs One was and plumbing. One sitting in a dump truck. Actually, no. I was dewatering them, but two different that's jobs. right. So occupation has since changed. 2008 was basically general maintenance with the Cairo, 2022 unrelated incidents. That's kind of what they wanna clarify, and then they're happy to remove the exclusion.","start_word":309,"end_word":617,"sentiment":"neutral","sentiment_score":-0.10901890183922544},{"text":"2022 was actually not even my job. I tripped over at my job in the fuel bank.","start_word":618,"end_word":634,"sentiment":"negative","sentiment_score":-0.4647186994552612},{"text":"I was Oh, even jeez. actually doing my job.","start_word":635,"end_word":643,"sentiment":"neutral","sentiment_score":-0.16755311191082},{"text":"Perfect.","start_word":644,"end_word":644,"sentiment":"positive","sentiment_score":0.3360116481781006},{"text":"Perfect. So Yeah. So it wasn't does even that anything sound to do with job. does that actually sound, like, correct that, like, general maintenance in 2008 and then fourteen years later, they slipped over and and had that issue with the lower back and recovered from it? Does that sound correct? Yeah. It was just a spasm. I'm back at work Cool.","start_word":645,"end_word":707,"sentiment":"neutral","sentiment_score":-0.0633396441264758},{"text":"within four weeks. And they put me Easy on like days done.","start_word":708,"end_word":719,"sentiment":"positive","sentiment_score":0.5256325602531433},{"text":"as I work the whole time. Bit of bit of light duties, bit of Panadol, something like that. Couple of physio trips and done.","start_word":720,"end_word":743,"sentiment":"neutral","sentiment_score":0.2230496108531952},{"text":"Yeah. It's work. They make you. Perfect. So if you're comfortable with this, they are happy to review it just based on just, like, a a written statement, like, literally an email.","start_word":744,"end_word":775,"sentiment":"positive","sentiment_score":0.4124504029750824},{"text":"And I can basically send you through a thing with what they're after to clarify, which is basically three things. That 2008 just clarify the difference between 2008 and 2022, Then also clarify if you're having any exacerbated issues with work, which obviously you're not. And Yep. then we're basically just gonna quote, like, policy number called exclusion review in the email heading, and we've got all of the questions that they had into in that original application. We're basically just gonna clarify those questions with extra context, and then they're pretty well good to go. So if you're comfortable with that, I will package up a bit of an email for you this week just Okay. explaining Yep. that in-depth because, again, how you word things comes across a certain way to insurers. And then if you're happy to, like, respond to us clarifying, then we can forward that off and get it reviewed. Yep. Okay. Cool. The last thing I wanted to check with you was Veronica is very in-depth. She likes to check all of your options, and she did find, I think, MetLife was gonna offer you some income protection. And I just wanted to double check if you were still trying to obtain income protection or if you're just trying to review that exclusion and keep your one path policy in place. What do you mean? So did you want to apply for extra insurances like an income protection policy on top of what you already have? Because you've got life and disability cover. Were you wanting a third policy or just to keep this one the way it is and get that exclusion off? Get the exclusion off. Yep. Get me a price on income protection, Sure. but I don't need it for the first year if that makes it cheaper. Because work work does it for two years or something like that. Yeah. So that makes it Because very I have income protection with two years.","start_word":776,"end_word":1108,"sentiment":"neutral","sentiment_score":0.04700562079344784},{"text":"So yeah. So that makes it very affordable.","start_word":1109,"end_word":1116,"sentiment":"positive","sentiment_score":0.4782881736755371},{"text":"There's certain things that you can do where you can change the waiting period. And I've seen this done before where you can even have on some providers a two year waiting period to click on at the end of your work one. Yeah. Because my work actually does they actually have a where they if you injure yourself, it doesn't even go through work cover to start with. It well, the two year thing, it actually goes to this so basically, they have a certain amount of per employee per time they hurt themselves that they Yeah. give you for everything. And then they And start the work cover and the two year thing afterwards. yeah. Yeah. Yeah. And I even saw And that the two they even offer you, like, a year's worth of pay for, like, life insurance and little benefits like that. yeah. Yes. Yeah. That's automatic. You got Yeah. a year Awesome. of your wage. So one of your wages when you die, your family gets. Yeah. Cool. So what I'll do is I'll get the quotes drafted up because we'll try and kick out the waiting period just to see if it becomes affordable or not. MetLife might be a go there, one path maybe, but at least try and get that exclusion reviewed. So I'll package this up and talk to Veronica tomorrow, get some quotes, get some emails off to you, and we should be good to go from there. And you can sort of decide how you wanna go about it once we get you the info. Yep. I'm at a 135,000 now. 135. Perfect.","start_word":1117,"end_word":1390,"sentiment":"neutral","sentiment_score":0.04534629359841347},{"text":"Perfect. Perfect.","start_word":1391,"end_word":1392,"sentiment":"positive","sentiment_score":0.4020586013793946},{"text":"And I've That's got all just the information. base. Do I take into account the rest or just your base? Well, up to you. Because when you've got your base, you can do 70% as a maximum. So I'll just quickly work that back for you. Let's see what we're looking at at the cover amounts. 135,000, 70% monthly benefit. So you get $7,875 per month gross from that policy based on your base income. The going above base is okay, but when you go to claim, you've got to kind of show them twelve month income to kind of prove that you've earned that much to warrant protecting that much. Does that make sense? Yeah. Oh, Perfect. I always go over. But Always. my tax brings it down. Does that make any difference? I owe my Not too much. 50,000. So it's really just about gross income, a percentage of that. And if you got, say, $7,800 a month just under $2 a week before tax, would that be okay to live on for a couple of years after your work cover clicks off? Or do you Yeah. wanna try But and go if a I bit say higher? yeah. Because I've got my other half income. So yeah. That can Is it subsidize only it. for a couple So of years? Is that the only how long they do it for? well, you can get a benefit period of up to five years. About all these days. Sometimes if you're white collar, you can get age 65, but once you're in the industry that you're in, five years is the max. Okay. Because plumbing back when I did it 25, that was lifetime then. 55 Yeah. or whatever. And at the And moment, that's it's still physical. the open cut mining and all that kind of thing, isn't it? Yes. Yeah. Yeah. It's just, unfortunately, mining industry always cops that extra tick down into heavier heavier risk, I guess they call it. Underground Yeah. is pretty But much just like a no go for anybody if at the moment. yeah. But if you're gonna go over that period, you're probably terminal or whatever. You're gonna get TPG anyway. Correct. So you've got that TPD cover, which is well over 500,000 plus your super as well. So it's really just to get you by for more of those short to medium term injuries. Yeah. Yeah. Yeah. Two year waiting period and then five years. Yeah.","start_word":1393,"end_word":1808,"sentiment":"neutral","sentiment_score":-0.00343448118879818},{"text":"Cool.","start_word":1809,"end_word":1809,"sentiment":"positive","sentiment_score":0.5545968413352966},{"text":"I'll get off the quote drawn for that. We'll get that email drawn up for you for the exclusion review, and I will basically sit down with Veronica and work it out tomorrow, and we'll get back And to you you as have soon as we can. if I did it straight away, like, all month, whatever it is, can you have two different policies paying you at the same time? They do overlap. So, yes, you can have multiple policies. But let's say you had a policy that covered you for a 100,000, another one that covered you for 50, and you're earned a 150, they can both fill up your maximum, but Yep. you can't have two overlapping on the same income, if that makes sense. You can't have two paying out Yeah. on a $100 income and double your payments. Yep. It'll have to be a two year waiting period then. That's why I'm still at this point, but that's your two year Did waiting they give period. you a solid was it 75% of your income Yes. for two years? But super comes out of that where I'm guessing that one I have to pay my own super. Yeah. Or you add on, like, a super benefit on top, and, obviously, that makes it a bit more pricey, but we can always check that as well. Yes. Didn't know you can do that. Yes. Add a Yeah. super on top.","start_word":1810,"end_word":2053,"sentiment":"neutral","sentiment_score":0.020163414999842644},{"text":"Beautiful.","start_word":2054,"end_word":2054,"sentiment":"positive","sentiment_score":0.5759086608886719},{"text":"So base income plus super, two year wait, five year benefit, see what the price looks like. We'll obviously update some projections for the impact on the super. Up to you whether you wanna pay for it out of pocket, get the full tax deduction, put it through your super, let the super cover the cost, or even salary sacrifice into the super to help cover the cost and get deductions. Any preferences there? Give us both. I don't really want to at the moment, but in about six months time, it might be different. Well, what you can do then is let's say you put it through your super so it does the heavy lifting. We'll make sure it's not sliding you backwards or stopping you from getting your goal. But then if you get to a point where you can contribute to it, you can do a bit of salary sacrifice that goes in at 15% rather than your marginal rate, and you pretty much get the same outcome. Yep.","start_word":2055,"end_word":2226,"sentiment":"neutral","sentiment_score":0.10962526355112016},{"text":"That sounds good.","start_word":2227,"end_word":2229,"sentiment":"positive","sentiment_score":0.5728182792663574},{"text":"So it just gives you flexibility to turn it on and off, subsidize it, get deductions, but only when you can afford to do so.","start_word":2230,"end_word":2254,"sentiment":"neutral","sentiment_score":0.30788958072662354},{"text":"Yep. Awesome. So potential with the self sag.","start_word":2255,"end_word":2262,"sentiment":"positive","sentiment_score":0.48340195417404175},{"text":"Is there a bit of a, just out of curiosity, a bit of a maximum that you would consider putting in, or is this just something that we should revisit in six months? I'm not selling Shopify Super at this age. Yep.","start_word":2263,"end_word":2304,"sentiment":"neutral","sentiment_score":0.11640400439500807},{"text":"Perfect.","start_word":2305,"end_word":2305,"sentiment":"positive","sentiment_score":0.42758551239967346},{"text":"I'll leave it out for I now, was and I'd we'll like just talk you well, through what it might be. yeah. Yeah. So if I was gonna sell a fry sacrifice into super, it would be afterwards to bring my tax down, if that makes sense, Yes. Yep. Easy done. or my rebate back, whatever. How much do I get back if I sell if I if I sue put super out of my income after tax into a super fund, how much does that benefit me at tax time in getting money Yes. back? So the way it works is, let's say, well, you're on a $135. Right? So you should be right in that sort of 37% bracket around about maybe borderline 32%. So Just spent almost 50,000 last year on tax. I'm paying for three it's or four people to live. yeah. I'm the same way, mate. I hate it too. So the way it basically works is let's say you've got your after tax money that you've got in your bank and you chuck a thousand bucks in. You get that full deduction and you get that 37<unk> on the dollar back, but then the super fund takes out its 15% because concessional contributions are 15%. So the net benefit is 22%, but you get the 37 Okay. back in your pocket. If you salary sacrifice, that happens automatically through the payroll system. They put it Yeah. in pretax, Yeah. and you get taxed on the leftover. Yep. So you have I'm both options. Either do end of financial getting year lump sums or sales back down the line, whatever sort of fits with your yeah. lifestyle, I Yeah. No. I see. I'd rather invest elsewhere because if I wanna retire early, I can't touch guess. my seat until I'm sixty sixty seven anyway. So it's not beneficial to me. I'd Yeah. rather And buy if property you'd wanna and and build stuff your outside. assets, property, and then you can retire in your fifties, and then super can click in after that. Yeah. Yeah. If I if I didn't have the facility to buy property, then I'd say, yes. I will sacrifice the will. It's okay. But Yep. I don't have to do that, and I don't No wanna worries. have to do this job until I'm 67. Easy done. So we'll make sure that we focus on, again, the underwriting side of things. Quote for the income protection, we won't touch salary sacrifice, but I'll put the premiums through super for now. And we're basically gonna try and make sure it's less than, say, 30% of your contributions to make sure it's not slowing down your growth too much. Yes. Alrighty.","start_word":2306,"end_word":2763,"sentiment":"neutral","sentiment_score":0.04710662214484017},{"text":"Perfect.","start_word":2764,"end_word":2764,"sentiment":"positive","sentiment_score":0.5420093536376953},{"text":"Just be careful with that email once we get it through to you in, I guess, how you craft your response there.","start_word":2765,"end_word":2786,"sentiment":"neutral","sentiment_score":0.30823859572410583},{"text":"But as long as we separate them quite cleanly, you should be good to go.","start_word":2787,"end_word":2801,"sentiment":"positive","sentiment_score":0.46992483735084534},{"text":"Do you have any questions for me, Alana? What is my super sitting at the moment? I will have Has to it log recovered in. I do any from the idiot? Yeah. Yeah.","start_word":2802,"end_word":2834,"sentiment":"neutral","sentiment_score":0.04713394120335579},{"text":"The last two weeks have had a huge bounce back, which has been good.","start_word":2835,"end_word":2848,"sentiment":"positive","sentiment_score":0.5662545561790466},{"text":"I think most people are up another three, four, 5% depending on what portfolio you're in. Yeah. I went down about 12,000 or something ago. 10,000 something, I think, maybe. It'll probably take me about two minutes to bring up your account and check the performance. Are you happy to wait just a minute for me? It's fine. No worries. If I go quiet for a second, it's just because I'm doing multifactor That's authentication. fine. I'll just go home. Let's do 10,000 steps. 10,000.","start_word":2849,"end_word":2933,"sentiment":"neutral","sentiment_score":0.09108895659446715},{"text":"Brilliant.","start_word":2934,"end_word":2934,"sentiment":"positive","sentiment_score":0.5655771493911743},{"text":"Have you got one of the smartwatches to check heart rate and all that kind of thing? Yeah.","start_word":2935,"end_word":2952,"sentiment":"neutral","sentiment_score":0.15802526473999023},{"text":"I don't even write. It's not even worth it for the heart rate.","start_word":2953,"end_word":2965,"sentiment":"negative","sentiment_score":-0.4596464931964874},{"text":"Walking doesn't do anything to my heart rate. I'm good enough not to even affect me. It's just the fact There I've you done go. 2,000. That's actually a 125. Damn. It actually did something. Okay. Here we go. Logged in. Loading up. Let's see how you've gone in the last three months. Alright. Yeah. So it went down to $1.88, and it's bounced back up to $1.98, which is just a tiny bit shy of the 200 you were sitting at That's two months fine. ago. That went down more than I thought it did. I haven't checked it Yeah. in a week or two. Couple of few weeks. Come on. Shit. What That's are going you down sitting way at? more than You're I thought. in a oh, yeah. You're in a high growth. Every high growth client that we've got basically bouncing around double digits at the moment. And because you're at 200,000, we're talking 5 to $10 in a week or two, up or down. It is quite volatile. Contributions going in are bought in at a perfect little low in the market, which is good. So that's the main thing. Right? Contributions come in. Market dips get to buy all those shares and property for a cheaper price when it bounces back. Please just bear in mind the next three to six months at least, it's gonna be going up and down every week. And once it shoot through to the end, yeah, you're in a pretty good portfolio. I think Veronica's cleaned up a few investment options for you, switched out Yeah. that Because I option that freaked was underperforming. out about yeah. When it Even was that down. one, that's jumped up a thousand since the switchover just on its own, and all the other options are in the positive.","start_word":2966,"end_word":3272,"sentiment":"neutral","sentiment_score":-0.007224152799004064},{"text":"Gold's doing well. Your American shares are doing well.","start_word":3273,"end_word":3281,"sentiment":"positive","sentiment_score":0.42656341195106506},{"text":"Even your property's up a little bit even though most of the property funds have gone down recently, which is really strange to say. But when people sell off those funds, they tend to go down even if property is such a fantastic asset. But overall, everything's in the green pretty much. Okay.","start_word":3282,"end_word":3334,"sentiment":"neutral","sentiment_score":-0.0012907241471111774},{"text":"Awesome.","start_word":3335,"end_word":3335,"sentiment":"positive","sentiment_score":0.5377662181854248},{"text":"Look. If anything else pops up where you're looking at it, you're like, oh, it's just not behaving the way I'm comfortable with, let us know.","start_word":3336,"end_word":3361,"sentiment":"neutral","sentiment_score":0.10761244595050812},{"text":"But, again, solid assets in there, high growth. You're gonna be getting those huge surges on the way up.","start_word":3362,"end_word":3380,"sentiment":"positive","sentiment_score":0.5044295191764832},{"text":"And we've got you set for, like, an a review in a few weeks' time anyway. So I kind of wanna get Veronica just tie in your super, how the contributions are looking, the insurance changes all into one piece, if that's okay. And then you should be set for another six to twelve months, I reckon.","start_word":3381,"end_word":3437,"sentiment":"neutral","sentiment_score":0.2056030631065369},{"text":"Cool. Cool.","start_word":3438,"end_word":3439,"sentiment":"positive","sentiment_score":0.41295456886291504},{"text":"Cool. Any other questions for me, Alana? Okay. No. That should be fine.","start_word":3440,"end_word":3452,"sentiment":"neutral","sentiment_score":0.15922538936138153},{"text":"Easy done.","start_word":3453,"end_word":3454,"sentiment":"positive","sentiment_score":0.3916248977184296},{"text":"So if it's okay with you, once we send you this information, if you can pop that back to us over the next couple of weeks, then we'll get you booked in for that catch up with Veronica just to kind of recap and package everything up into one go. Ideally, we just update your your advice plan so you've got it all in writing, and it's current for 2026. Yep. Yep.","start_word":3455,"end_word":3526,"sentiment":"neutral","sentiment_score":0.22333788871765137},{"text":"Awesome. Well, I really appreciate you taking the time while you're on your walk. I will go talk to her first thing in the morning, and we will be in touch very soon via email and call.","start_word":3527,"end_word":3563,"sentiment":"positive","sentiment_score":0.5488725578462755},{"text":"And we'll flick you a text once we email you. Just give you a heads up.","start_word":3564,"end_word":3579,"sentiment":"neutral","sentiment_score":0.3163106143474579},{"text":"Okay. Sounds good. Thanks so much, mate. You have a fantastic day. You too. Bye. Thank you. Bye.","start_word":3580,"end_word":3597,"sentiment":"positive","sentiment_score":0.7088564038276672}],"average":{"sentiment":"neutral","sentiment_score":0.05766310266757315}}}}