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How's it in WA? Great to hear. Great to hear, mate. I'm just giving you a call to go through your annual review if you still still have time for me. Perfect. Now, mate, I'm gonna send through an annual review pack to your email. Just before I do that, just gonna do a quick security check with you, if that's okay. Cool. Now all the calls are recorded for training and quality purposes. I'm registered with ASIC as adviser one two seven three one zero five. Could you please confirm your date of birth and address then? Sensational. Now I'm popping this through to your Yahoo email address. Will you be able to look onto this with me today, or should I just walk you through the documents? That's okay. I've got everything up in front of me, and I just want you to have a bit of time to read through it before you sign anything. It'll include a number of attachments like your performance reports, certificates for your insurances, updated financial services guide, and service agreement with us. So there's a few little attachments there. And then it's through our new system, so it's actually going to come through from Odoo, and there'll be, like, a digital authorization there as well, similar to a DocuSign. No. That's fine. Mate, the only one I really want you to pull up initially, if you can, is your hub twenty four performance report. Yes. That's the one. That's the one. Yep. Now is there anything in particular you're hoping to get out of this year's review? Yep. So just a bit of a general update, make sure there's nothing we need to change, things like that. Cool. Alrighty. Now I'm just gonna go through Hub first, and then I'm gonna go and confirm some of the details we've got on file just to make sure the new system is accurate, and then I'll just finish off with the insurances and estate planning. Just quickly touching base on your goals, mate. We had you with a bit of a retirement goal, age 65, obviously focusing on growing the super, but there was a few more personal goals about getting some investment properties and having them supplement your your retirement, your wealth creation. Is that still the main focus for you at the moment? Yep. Looking for a bit of direction or on a bit of a holding pattern for a little while. Yep. Yep. K. Do you want me to put any of those kind of on hold, or is that something you still wanna keep there for the next, say, three to five years? So really just tracking down alongside the super, how you're going towards purchasing properties and things like that if you still wanna actively accumulate those over the next few years. Yep. K. I can sort of chop them off for the time being, and we can just focus on the super side. And if anything else pops up, we can always touch base on that next year as well. Cool. Now one of the things with the super so I'll give you a quick rundown from what I can see. So we had all of your super sort of finished off consolidating around this time last year. You were sitting at about $136. You're sitting at $156.04 $4.09 at the moment. Now do you remember that you're in kind of like a a growth portfolio, sort of four out of five on the risk scale, mostly in growth assets like shares and property. Does that ring a bell? Not necessarily property, but just with your super. We've got, I guess, property shares and gold, I would call growth assets, high risk, high return, as opposed to, like, a savings account or a term deposit. K? So you're still, I guess, mostly focused on growing the super as much as you can, but you're not high risk. That'd be like a high growth. K? As far as the returns go, I mean, the market's kind of had a bit of a tank over Christmas time with what happens in Iran and the fuel crisis, but you're still up just shy of 10% after fees, which is kind of above the benchmark for your risk level that we're aiming for. K. So was expecting to give you a call and say, hey, mate. You're you're a little bit in the negative, but you're still up, again, $20 for the year, including, I guess, contributions in the growth of the super. So it's contributions. Yeah. Yep. So it's about $10.11 grand of contributions and about $15 worth of growth. Cool. And why do you say interesting, like, good or not what you expected? Yeah. Well, one of the things I can kind of, I guess, give you a bit of a tip on is that now that you're sitting at well over $150, we are expecting that in the years where the super goes up and the stock market goes up, that you're getting more growth than your contributions, which is not what you would have been experiencing for the first, say, ten, fifteen years of super. You would have had more going in from work than it was growing because it's all percentage returns. You know? 10% of 150 is a lot, lot more than when you had $30 in there. Makes sense? Perfect. There's a couple of things in there. That performance report, the first page lists all of your different investment options. Second page is your total portfolio all in one line. Most everything has grown pretty damn well. You've fortunately had a bit of investment in battery tech, which is like your electric vehicles, which is kind of going off this year. 98% return there, which is sensational. Gold's up 26. Shares are up fourteen and eleven. So that's all looking good. You did have one out of the eight options dip into the negative there, which is your Australian shares. So I've got to keep a bit of an eye on that one because one out of seven having a bit of a dip, not too bad, still overall doing really good. But if that continues for any period of time, I may need to switch that option out. K? Now because it's above benchmark, I don't feel like we need to go and overhaul your investments right now unless there's any major concerns on your end, Dean. K. What I would Yeah. It had a really stellar year last year, and it's one of those things we're adding a bit of those. We call them an alternative asset because it's not a share or a property. And just having that extra little diversification really paid off pretty damn well. Yeah. Yeah. That's right. Both gold and silver had a huge jump up to Christmas, and then all of a sudden January, February hit, and they had a bit of a tumble. And that's pretty I mean, once you go up a 160%, it drops 40. Most people are still up a 100%. So it's been a pretty crazy twelve months. Yeah. And that's why we don't put everything into one kind of asset. That's why we use buzzwords like diversification because you don't want your super jumping up and down 80% a single year. Wanna spread it around a little bit and get a bit more guarantee of where you're going. Now the only other two things to note, mate, was cybersecurity and property. Tiny little negatives about 5% there. That's mostly just, I guess, cyclical is what I would say. Everything going on with AI at the moment, you'd expect cybersecurity to kind of jump up next year, and property kinda does what it does based on what happens in the news, federal budgets, things like that. So nothing too concerning there. Just swinging over to the contributions because I'm kind of looking at what's coming in from work. They're paying in fortnightly, and they're about to change after the financial year that the employers paying in in line with your pay cycle. Are you paid weekly or fortnightly? Fortnightly. Cool. So they've already done it ahead of time, which is good. That means more invested, more regularly, smooth things out a little bit, which is good for you. But based on the contribution rate I'm seeing, if it if they're just paying a standard 12% into your super, it looks like your income's jumped up to about 92 and a half grand from the $80 that we previously had unless they're paying you a higher percentage. Have you had a bit of a pay rise? Or k. Yeah. Even if it's just like a fortnightly gross pay or even the year to date, I can kinda just double check that it's getting close to the 90 mark rather than the 80 mark. That'd be good just to cross reference with you. Are you still doing facilities coordinator for the department of education? Yep. Okay. So no changes there. Still mainly computer work and things like that and checking safety standards. Yep. Yeah. That's alright, man. Please. Again, with the the power and everything, probably not your not your morning so far, but I can kind of work back and use that if you're comfortable. That's alright. Do you mind if I kind of put it down there as a a tentative income of about 92 and a half unless you've got an idea of what the tax return is looking like? Cool. You're not aware of them paying you, like, a higher percentage of super or anything like that? Any new EBAs or agreements at work? That's fantastic. Oh, that's fair enough. But how are you going cash flow wise? Are you still able to put a put aside 600 to a week, 1,200 a fortnight into savings, or is that kind of stalled at the moment? Yeah. One of the things I wanted to check with you is because of that savings rate, last time we checked, I think you had, like, a home value that's about 620,000, but you didn't really have much owing on it. Have you kind of cleared off the mortgage now, or is it still yeah. That's right. So I think it was, like, $2 last check possibly a year ago or earlier. So debt free on the mortgage. Yeah. Yeah. And I'm assuming the new car you bought is not valued at $10 like the old one? Not bad at all. And if you don't mind me asking, just a rough estimate in savings if you've got a rainy day fund or anything like that. 8,008 thousand, was it? Fantastic. Pop that in. And no crypto or shares or anything scrolled under the mattress there? Fantastic. Alright. Last two questions, mate. Liabilities and your loans? K. You're not a member of any foreign tax residency or anything like that? Just another sort of new check we've got to do just quickly. And relationship status, I did know that you were trying to do some updates on your beneficiaries, and we still had you married possibly in separation. How's that all going? Yep. So still on the holding pattern a little bit. Bless you. K. Do you want me to send any sort of refresh forms to change the nominations for who the super and life insurance go to? Because I know you were looking to do that previously. Oh, in terms of who's a valid nomination or something like that. Financial independent. Yeah. Is there someone in particular that you would prefer to go to outside of living with your financial dependent? Sibling, parent? Yep. Well, there is one thing you can do. Yeah. The the beneficiary laws are a little bit strange like that. It's gonna be dependency and things like that. But I do have some sort of good news for you. Your life insurance can essentially go to anybody. That one's easy. So if you want to nominate your soup your sister for the life insurance, you can do that. And then when it comes to the super, if you nominate your estate, it goes in line with all your other assets, cars, shoes, house, bank savings, and things like that. And in a will, if you put one of those in place, you can say, hey. It goes to sister or whoever. So do you want me to kind of get at least the life insurance switched over to her and kind of fix up the super one to go to your name? So if you put it to your name, which is your estate, then if you put in place a will, you can be a bit more specific in where it goes. Yep. Cool. Otherwise, because it's binding the other way, it's literally direct. If you pass away tomorrow, it would all just go straight to that one person with basically no questions asked. K. Mate, I'll put a bit of a note on, and the team can guide you through that pretty easily. The last thing I wanted to just chat to you about is your Zurich policy. Do you remember you've got, like, life insurance income protection, all that kind of thing? So just double checking this is still all good because the prices haven't really jumped up much. It's gonna get very expensive towards the late forties, early fifties, but we've got 4,816 a month worth of income protection, which is how much you'd get paid after ninety days up to the age of 65. So let's say you get about more thousand bucks in hand after tax. Would that get you buy bills wise? Let's say $2 a fortnight in hand if you're injured for six months. Yep. So that's protecting income of about $82.05 60. If you wanted, you could bump it up a little bit if your income really is $90. But if you're happy with that amount, you can keep it like that. Cool. Yeah. And because you've got all that savings there, that ninety day waiting period makes it way more affordable. Because it's, like, 1,700 a year after the tax rebate, if you chop that down to a thirty day wait so you got access to it earlier, it could jump up to, like, 2 and a half, $3 pretty quickly. The only other thing is TPD and life insurance of 378,000. That's only costing about 600 out of the super per year, $6.29 30. So that's your least expensive of the two. I know you don't really have the debts there, and the life insurance will probably go to your sister. But if you're in a car accident, you break your back, you get your income protection, and you get 378,000 from Zurich plus your super on top, which puts you at a half a mil. Does that sound right for you? K. Outside of that, I mean, $500 invested in pension style, if you had a broken back, you could make that last quite a while. Especially if you keep it conservatively invested, you could probably live off that for a good ten, twenty years plus your income protection. You'd pretty much be on a similar similar wicket all the way up until pension age. K? So I'll keep an eye on those because the next anniversary is January. If that jumps up, we can always trim it down or shop around. But at the moment, it's looking alright. Any concerns on your end there? Cool. Right. That's pretty much the main areas I wanted to cover with you today. Any questions so far? K. So quick recap. The stock market's going up and down like a yo yo. Still good growth out of the super. I've put a flag on that one investment so that if it is still dragging its feet next time we speak, we'll go for a bit of an update to your portfolio. The insurances will kind of keep in place at the time being. We'll switch around who they go to, and that's pretty much it for the time being and let you get through what you need to and reconvene once everything's a little bit more stable for you. K? Any other areas of advice you wanna talk about or anything else I can help you with? Yeah. Well, thank you for trusting us for looking after your super in the background. I'll make sure it keeps doing its thing in the background so you don't have to worry about it too much. And are you okay to do that annual catch up in twelve months? Do you want me to pencil in a bit earlier? What's your contact preference? Yep. If anything pops up in between, like, you can obviously give us a call, and we can get you booked in with me to have a chat, especially if there's any major changes finance wise or personal wise. But outside of that, we'll just keep an eye on things until the review. In that pack that I've sent you, there's obviously a service agreement there as well. So if you're still comfortable for us to look after things for the next year or so, it's still just the same fees. 1.65% that gets spread monthly throughout the year, and you get a 15% tax rebate off of that. Once we get you to 600,000, which might seem like a world away, we do cap it. So we do get clients to get up to a mill, two mill. We obviously can't be charging $30.40 grand for the same service no matter how good it is, but we'll make sure we try and get you there as quick as we can. Still having the tech issues there? Do you want me to pencil in for any kind of catch up next week for any of the details that you're trying to get into for the email there or just leave you to it? And if we don't hear back, we'll give you a buzz next week. Yep. Correct. Hang on a second. Let me have a quick look. That's before the tax rebate. Oh, you were talking about the income. Sorry, mate. That was very close to another figure I was looking at. Could you just let me know that figure one more time, please? 2 71 per fortnight, and that's after tax. K. Just bear with me two seconds. We'll have a look at fortnightly. $2.07 $7.01. So it's just under about 3,600 gross in there. $2.07 $7.01. So based on that, it's saying that you're on a pretty much lower income of about 72,000. Does it say how much you've got year to date? Because I know there's only one month left until end of financial year. Is it 60 something thousand year to date, or is it more like 80 something? Yeah. Yep. Oh, that's not working. Okay. Cool. Okay. Well, just because that's a huge difference between the two potential figures, do you mind if I get the team just to reach out with an email? And once you can get into the system, if you could just flick us, like, a copy or a payslip or something like that just to confirm. Because if it's a $20 swing, I just wanna make sure I don't need to adjust anything. Yeah. And that's what I'm thinking. Like, based on what's going in in the contributions, I'd expect about 92. But if you're only doing 2,700 a fortnight, that's more like $72, which is oh, no. $72 in pocket. 93. Yeah. That actually pretty much matches up, I think. I was flipping my gross and my net around, so $92.93, you'd probably expect to get. And they don't give you any other, like, bonuses or supplements or anything? Cool. No overtime or anything like that? Cool. My favorite kind of leave is do the extra hours, get time and load that you probably won't take. Yeah. You just do it anyway, and that's it. Move on. Go home for your day. That'd be good. And are you still looking to take any leave into Europe or Asia or any travel? None at the moment. We'll park that for a little bit. Alrighty. Cool, though. I won't need to email you anymore. That's perfectly fine for the details. Dean, any other last questions for me before I let you go for the week? Cool. Once you get into that Odoo sign, what it tends to do is it lets you scroll through the two documents, the service agreement and a tax file number opt in form, just to make sure you're still okay for us to hold that number because it is quite important and, you know, cybersecurity issues and so on. Once you scroll through and read them, there's little purple buttons that'll bring you to signature spots and dates. It'll automatically stamp your name on it. But if you wanna draw a signature on there, you just click on the box, and it'll pop up and let you draw it on there. Cool. Mate, if you have any questions for that, just give us a buzz or a text. Awesome. Look. I really appreciate you taking the time today. Everything's kind of in good hands for now. I'll keep an eye on things for that next catch up. And, mate, I hope you have a fantastic year, and I hope when I speak to you next, we've got a few ideas and things are on the up and up. Awesome, Dean. Have a fantastic day, mate. Anything else for me before I go? Easy. Alright. I'll catch you soon, mate. Thanks, Pete. 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morning, sir. It's Tommy here from Oakview Financial, one of the senior advisers. How are you going? Living the dream? Could be better.\n\nCould be enjoying the sunny Queensland weather. How's it in WA? Great to hear. Great to hear, mate. I'm just giving you a call to go through your annual review if you still still have time for me.\n\nPerfect. Now, mate, I'm gonna send through an annual review pack to your email. Just before I do that, just gonna do a quick security check with you, if that's okay. Cool. Now all the calls are recorded for training and quality purposes.\n\nI'm registered with ASIC as adviser one two seven three one zero five. Could you please confirm your date of birth and address then? Sensational. Now I'm popping this through to your Yahoo email address. Will you be able to look onto this with me today, or should I just walk you through the documents?\n\nThat's okay. I've got everything up in front of me, and I just want you to have a bit of time to read through it before you sign anything. It'll include a number of attachments like your performance reports, certificates for your insurances, updated financial services guide, and service agreement with us. So there's a few little attachments there. And then it's through our new system, so it's actually going to come through from Odoo, and there'll be, like, a digital authorization there as well, similar to a DocuSign.\n\nNo. That's fine. Mate, the only one I really want you to pull up initially, if you can, is your hub twenty four performance report. Yes. That's the one.\n\nThat's the one. Yep. Now is there anything in particular you're hoping to get out of this year's review? Yep. So just a bit of a general update, make sure there's nothing we need to change, things like that.\n\nCool. Alrighty. Now I'm just gonna go through Hub first, and then I'm gonna go and confirm some of the details we've got on file just to make sure the new system is accurate, and then I'll just finish off with the insurances and estate planning. Just quickly touching base on your goals, mate. We had you with a bit of a retirement goal, age 65, obviously focusing on growing the super, but there was a few more personal goals about getting some investment properties and having them supplement your your retirement, your wealth creation.\n\nIs that still the main focus for you at the moment? Yep. Looking for a bit of direction or on a bit of a holding pattern for a little while. Yep. Yep.\n\nK. Do you want me to put any of those kind of on hold, or is that something you still wanna keep there for the next, say, three to five years? So really just tracking down alongside the super, how you're going towards purchasing properties and things like that if you still wanna actively accumulate those over the next few years. Yep. K.\n\nI can sort of chop them off for the time being, and we can just focus on the super side. And if anything else pops up, we can always touch base on that next year as well. Cool. Now one of the things with the super so I'll give you a quick rundown from what I can see. So we had all of your super sort of finished off consolidating around this time last year.\n\nYou were sitting at about $136. You're sitting at $156.04 $4.09 at the moment. Now do you remember that you're in kind of like a a growth portfolio, sort of four out of five on the risk scale, mostly in growth assets like shares and property. Does that ring a bell? Not necessarily property, but just with your super.\n\nWe've got, I guess, property shares and gold, I would call growth assets, high risk, high return, as opposed to, like, a savings account or a term deposit. K? So you're still, I guess, mostly focused on growing the super as much as you can, but you're not high risk. That'd be like a high growth. K?\n\nAs far as the returns go, I mean, the market's kind of had a bit of a tank over Christmas time with what happens in Iran and the fuel crisis, but you're still up just shy of 10% after fees, which is kind of above the benchmark for your risk level that we're aiming for. K. So was expecting to give you a call and say, hey, mate. You're you're a little bit in the negative, but you're still up, again, $20 for the year, including, I guess, contributions in the growth of the super. So it's contributions.\n\nYeah. Yep. So it's about $10.11 grand of contributions and about $15 worth of growth. Cool. And why do you say interesting, like, good or not what you expected?\n\nYeah. Well, one of the things I can kind of, I guess, give you a bit of a tip on is that now that you're sitting at well over $150, we are expecting that in the years where the super goes up and the stock market goes up, that you're getting more growth than your contributions, which is not what you would have been experiencing for the first, say, ten, fifteen years of super. You would have had more going in from work than it was growing because it's all percentage returns. You know? 10% of 150 is a lot, lot more than when you had $30 in there.\n\nMakes sense? Perfect. There's a couple of things in there. That performance report, the first page lists all of your different investment options. Second page is your total portfolio all in one line.\n\nMost everything has grown pretty damn well. You've fortunately had a bit of investment in battery tech, which is like your electric vehicles, which is kind of going off this year. 98% return there, which is sensational. Gold's up 26. Shares are up fourteen and eleven.\n\nSo that's all looking good. You did have one out of the eight options dip into the negative there, which is your Australian shares. So I've got to keep a bit of an eye on that one because one out of seven having a bit of a dip, not too bad, still overall doing really good. But if that continues for any period of time, I may need to switch that option out. K?\n\nNow because it's above benchmark, I don't feel like we need to go and overhaul your investments right now unless there's any major concerns on your end, Dean. K. What I would Yeah. It had a really stellar year last year, and it's one of those things we're adding a bit of those. We call them an alternative asset because it's not a share or a property.\n\nAnd just having that extra little diversification really paid off pretty damn well. Yeah. Yeah. That's right. Both gold and silver had a huge jump up to Christmas, and then all of a sudden January, February hit, and they had a bit of a tumble.\n\nAnd that's pretty I mean, once you go up a 160%, it drops 40. Most people are still up a 100%. So it's been a pretty crazy twelve months. Yeah. And that's why we don't put everything into one kind of asset.\n\nThat's why we use buzzwords like diversification because you don't want your super jumping up and down 80% a single year. Wanna spread it around a little bit and get a bit more guarantee of where you're going. Now the only other two things to note, mate, was cybersecurity and property. Tiny little negatives about 5% there. That's mostly just, I guess, cyclical is what I would say.\n\nEverything going on with AI at the moment, you'd expect cybersecurity to kind of jump up next year, and property kinda does what it does based on what happens in the news, federal budgets, things like that. So nothing too concerning there. Just swinging over to the contributions because I'm kind of looking at what's coming in from work. They're paying in fortnightly, and they're about to change after the financial year that the employers paying in in line with your pay cycle. Are you paid weekly or fortnightly?\n\nFortnightly. Cool. So they've already done it ahead of time, which is good. That means more invested, more regularly, smooth things out a little bit, which is good for you. But based on the contribution rate I'm seeing, if it if they're just paying a standard 12% into your super, it looks like your income's jumped up to about 92 and a half grand from the $80 that we previously had unless they're paying you a higher percentage.\n\nHave you had a bit of a pay rise? Or k. Yeah. Even if it's just like a fortnightly gross pay or even the year to date, I can kinda just double check that it's getting close to the 90 mark rather than the 80 mark. That'd be good just to cross reference with you.\n\nAre you still doing facilities coordinator for the department of education? Yep. Okay. So no changes there. Still mainly computer work and things like that and checking safety standards.\n\nYep. Yeah. That's alright, man. Please. Again, with the the power and everything, probably not your not your morning so far, but I can kind of work back and use that if you're comfortable.\n\nThat's alright. Do you mind if I kind of put it down there as a a tentative income of about 92 and a half unless you've got an idea of what the tax return is looking like? Cool. You're not aware of them paying you, like, a higher percentage of super or anything like that? Any new EBAs or agreements at work?\n\nThat's fantastic. Oh, that's fair enough. But how are you going cash flow wise? Are you still able to put a put aside 600 to a week, 1,200 a fortnight into savings, or is that kind of stalled at the moment? Yeah.\n\nOne of the things I wanted to check with you is because of that savings rate, last time we checked, I think you had, like, a home value that's about 620,000, but you didn't really have much owing on it. Have you kind of cleared off the mortgage now, or is it still yeah. That's right. So I think it was, like, $2 last check possibly a year ago or earlier. So debt free on the mortgage.\n\nYeah. Yeah. And I'm assuming the new car you bought is not valued at $10 like the old one? Not bad at all. And if you don't mind me asking, just a rough estimate in savings if you've got a rainy day fund or anything like that.\n\n8,008 thousand, was it? Fantastic. Pop that in. And no crypto or shares or anything scrolled under the mattress there? Fantastic.\n\nAlright. Last two questions, mate. Liabilities and your loans? K. You're not a member of any foreign tax residency or anything like that?\n\nJust another sort of new check we've got to do just quickly. And relationship status, I did know that you were trying to do some updates on your beneficiaries, and we still had you married possibly in separation. How's that all going? Yep. So still on the holding pattern a little bit.\n\nBless you. K. Do you want me to send any sort of refresh forms to change the nominations for who the super and life insurance go to? Because I know you were looking to do that previously. Oh, in terms of who's a valid nomination or something like that.\n\nFinancial independent. Yeah. Is there someone in particular that you would prefer to go to outside of living with your financial dependent? Sibling, parent? Yep.\n\nWell, there is one thing you can do. Yeah. The the beneficiary laws are a little bit strange like that. It's gonna be dependency and things like that. But I do have some sort of good news for you.\n\nYour life insurance can essentially go to anybody. That one's easy. So if you want to nominate your soup your sister for the life insurance, you can do that. And then when it comes to the super, if you nominate your estate, it goes in line with all your other assets, cars, shoes, house, bank savings, and things like that. And in a will, if you put one of those in place, you can say, hey.\n\nIt goes to sister or whoever. So do you want me to kind of get at least the life insurance switched over to her and kind of fix up the super one to go to your name? So if you put it to your name, which is your estate, then if you put in place a will, you can be a bit more specific in where it goes. Yep. Cool.\n\nOtherwise, because it's binding the other way, it's literally direct. If you pass away tomorrow, it would all just go straight to that one person with basically no questions asked. K. Mate, I'll put a bit of a note on, and the team can guide you through that pretty easily. The last thing I wanted to just chat to you about is your Zurich policy.\n\nDo you remember you've got, like, life insurance income protection, all that kind of thing? So just double checking this is still all good because the prices haven't really jumped up much. It's gonna get very expensive towards the late forties, early fifties, but we've got 4,816 a month worth of income protection, which is how much you'd get paid after ninety days up to the age of 65. So let's say you get about more thousand bucks in hand after tax. Would that get you buy bills wise?\n\nLet's say $2 a fortnight in hand if you're injured for six months. Yep. So that's protecting income of about $82.05 60. If you wanted, you could bump it up a little bit if your income really is $90. But if you're happy with that amount, you can keep it like that.\n\nCool. Yeah. And because you've got all that savings there, that ninety day waiting period makes it way more affordable. Because it's, like, 1,700 a year after the tax rebate, if you chop that down to a thirty day wait so you got access to it earlier, it could jump up to, like, 2 and a half, $3 pretty quickly. The only other thing is TPD and life insurance of 378,000.\n\nThat's only costing about 600 out of the super per year, $6.29 30. So that's your least expensive of the two. I know you don't really have the debts there, and the life insurance will probably go to your sister. But if you're in a car accident, you break your back, you get your income protection, and you get 378,000 from Zurich plus your super on top, which puts you at a half a mil. Does that sound right for you?\n\nK. Outside of that, I mean, $500 invested in pension style, if you had a broken back, you could make that last quite a while. Especially if you keep it conservatively invested, you could probably live off that for a good ten, twenty years plus your income protection. You'd pretty much be on a similar similar wicket all the way up until pension age. K?\n\nSo I'll keep an eye on those because the next anniversary is January. If that jumps up, we can always trim it down or shop around. But at the moment, it's looking alright. Any concerns on your end there? Cool.\n\nRight. That's pretty much the main areas I wanted to cover with you today. Any questions so far? K. So quick recap.\n\nThe stock market's going up and down like a yo yo. Still good growth out of the super. I've put a flag on that one investment so that if it is still dragging its feet next time we speak, we'll go for a bit of an update to your portfolio. The insurances will kind of keep in place at the time being. We'll switch around who they go to, and that's pretty much it for the time being and let you get through what you need to and reconvene once everything's a little bit more stable for you.\n\nK? Any other areas of advice you wanna talk about or anything else I can help you with? Yeah. Well, thank you for trusting us for looking after your super in the background. I'll make sure it keeps doing its thing in the background so you don't have to worry about it too much.\n\nAnd are you okay to do that annual catch up in twelve months? Do you want me to pencil in a bit earlier? What's your contact preference? Yep. If anything pops up in between, like, you can obviously give us a call, and we can get you booked in with me to have a chat, especially if there's any major changes finance wise or personal wise.\n\nBut outside of that, we'll just keep an eye on things until the review. In that pack that I've sent you, there's obviously a service agreement there as well. So if you're still comfortable for us to look after things for the next year or so, it's still just the same fees. 1.65% that gets spread monthly throughout the year, and you get a 15% tax rebate off of that. Once we get you to 600,000, which might seem like a world away, we do cap it.\n\nSo we do get clients to get up to a mill, two mill. We obviously can't be charging $30.40 grand for the same service no matter how good it is, but we'll make sure we try and get you there as quick as we can. Still having the tech issues there? Do you want me to pencil in for any kind of catch up next week for any of the details that you're trying to get into for the email there or just leave you to it? And if we don't hear back, we'll give you a buzz next week.\n\nYep. Correct. Hang on a second. Let me have a quick look. That's before the tax rebate.\n\nOh, you were talking about the income. Sorry, mate. That was very close to another figure I was looking at. Could you just let me know that figure one more time, please? 2 71 per fortnight, and that's after tax.\n\nK. Just bear with me two seconds. We'll have a look at fortnightly. $2.07 $7.01. So it's just under about 3,600 gross in there.\n\n$2.07 $7.01. So based on that, it's saying that you're on a pretty much lower income of about 72,000. Does it say how much you've got year to date? Because I know there's only one month left until end of financial year. Is it 60 something thousand year to date, or is it more like 80 something?\n\nYeah. Yep. Oh, that's not working. Okay. Cool.\n\nOkay. Well, just because that's a huge difference between the two potential figures, do you mind if I get the team just to reach out with an email? And once you can get into the system, if you could just flick us, like, a copy or a payslip or something like that just to confirm. Because if it's a $20 swing, I just wanna make sure I don't need to adjust anything. Yeah.\n\nAnd that's what I'm thinking. Like, based on what's going in in the contributions, I'd expect about 92. But if you're only doing 2,700 a fortnight, that's more like $72, which is oh, no. $72 in pocket. 93.\n\nYeah. That actually pretty much matches up, I think. I was flipping my gross and my net around, so $92.93, you'd probably expect to get. And they don't give you any other, like, bonuses or supplements or anything? Cool.\n\nNo overtime or anything like that? Cool. My favorite kind of leave is do the extra hours, get time and load that you probably won't take. Yeah. You just do it anyway, and that's it.\n\nMove on. Go home for your day. That'd be good. And are you still looking to take any leave into Europe or Asia or any travel? None at the moment.\n\nWe'll park that for a little bit. Alrighty. Cool, though. I won't need to email you anymore. That's perfectly fine for the details.\n\nDean, any other last questions for me before I let you go for the week? Cool. Once you get into that Odoo sign, what it tends to do is it lets you scroll through the two documents, the service agreement and a tax file number opt in form, just to make sure you're still okay for us to hold that number because it is quite important and, you know, cybersecurity issues and so on. Once you scroll through and read them, there's little purple buttons that'll bring you to signature spots and dates. It'll automatically stamp your name on it.\n\nBut if you wanna draw a signature on there, you just click on the box, and it'll pop up and let you draw it on there. Cool. Mate, if you have any questions for that, just give us a buzz or a text. Awesome. Look.\n\nI really appreciate you taking the time today. Everything's kind of in good hands for now. I'll keep an eye on things for that next catch up. And, mate, I hope you have a fantastic year, and I hope when I speak to you next, we've got a few ideas and things are on the up and up. Awesome, Dean.\n\nHave a fantastic day, mate. Anything else for me before I go? Easy. Alright. I'll catch you soon, mate.\n\nThanks, Pete. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, sir.","start":2.8,"end":3.84,"sentiment":"positive","sentiment_score":0.37568817536036175},{"text":"It's Tommy here from Oakview Financial, one of the senior advisers.","start":3.84,"end":6.56,"sentiment":"neutral","sentiment_score":0.24619910527359357},{"text":"How are you going?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.19872045144438744},{"text":"Living the dream?","start":9.84,"end":10.82,"sentiment":"neutral","sentiment_score":0.3240703245004018},{"text":"Could be better.","start":15.135,"end":15.935,"sentiment":"neutral","sentiment_score":0.2544063578049342}],"sentiment":"neutral","sentiment_score":0.26523193903267384,"num_words":24,"start":2.8,"end":15.935},{"sentences":[{"text":"Could be enjoying the sunny Queensland weather.","start":15.935,"end":18.095001,"sentiment":"positive","sentiment_score":0.414166373865945},{"text":"How's it in WA?","start":18.095001,"end":19.315,"sentiment":"neutral","sentiment_score":0.09496540762484074},{"text":"Great to hear.","start":25.230001,"end":25.87,"sentiment":"positive","sentiment_score":0.6322328050931295},{"text":"Great to hear, mate.","start":25.87,"end":26.67,"sentiment":"positive","sentiment_score":0.5273925364017487},{"text":"I'm just giving you a call to go through your annual review if you still still have time for me.","start":26.67,"end":30.61,"sentiment":"neutral","sentiment_score":0.2399427317082882}],"sentiment":"neutral","sentiment_score":0.3180039327003454,"num_words":38,"start":15.935,"end":30.61},{"sentences":[{"text":"Perfect.","start":36.524998,"end":37.024998,"sentiment":"positive","sentiment_score":0.527936577796936},{"text":"Now, mate, I'm gonna send through an annual review pack to your email.","start":37.085,"end":40.545,"sentiment":"neutral","sentiment_score":0.1967093566289315},{"text":"Just before I do that, just gonna do a quick security check with you, if that's okay.","start":40.684998,"end":44.784996,"sentiment":"neutral","sentiment_score":0.11459725744584028},{"text":"Cool.","start":46.684998,"end":47.085,"sentiment":"neutral","sentiment_score":0.16644364595413208},{"text":"Now all the calls are recorded for training and quality purposes.","start":47.085,"end":50.545,"sentiment":"neutral","sentiment_score":0.06902251189405267}],"sentiment":"neutral","sentiment_score":0.138581462031187,"num_words":43,"start":36.524998,"end":50.545},{"sentences":[{"text":"I'm registered with ASIC as adviser one two seven three one zero five.","start":51.13,"end":54.81,"sentiment":"neutral","sentiment_score":0.0667345214348573},{"text":"Could you please confirm your date of birth and address then?","start":54.81,"end":57.95,"sentiment":"neutral","sentiment_score":0.04145985807884823},{"text":"Sensational.","start":63.945,"end":64.445,"sentiment":"neutral","sentiment_score":0.0929023027420044},{"text":"Now I'm popping this through to your Yahoo email address.","start":64.825,"end":67.705,"sentiment":"neutral","sentiment_score":0.04280708208680153},{"text":"Will you be able to look onto this with me today, or should I just walk you through the documents?","start":67.705,"end":71.725,"sentiment":"neutral","sentiment_score":0.04679366173222661}],"sentiment":"neutral","sentiment_score":0.050553701377727765,"num_words":55,"start":51.13,"end":71.725},{"sentences":[{"text":"That's okay.","start":82.76,"end":83.479996,"sentiment":"neutral","sentiment_score":-0.03547162935137749},{"text":"I've got everything up in front of me, and I just want you to have a bit of time to read through it before you sign anything.","start":83.479996,"end":88.94,"sentiment":"neutral","sentiment_score":0.1110308548366582},{"text":"It'll include a number of attachments like your performance reports, certificates for your insurances, updated financial services guide, and service agreement with us.","start":89.645,"end":99.165,"sentiment":"neutral","sentiment_score":0.06735074341945026},{"text":"So there's a few little attachments there.","start":99.165,"end":101.265,"sentiment":"neutral","sentiment_score":0.031071447900363376},{"text":"And then it's through our new system, so it's actually going to come through from Odoo, and there'll be, like, a digital authorization there as well, similar to a DocuSign.","start":101.549995,"end":109.89,"sentiment":"neutral","sentiment_score":0.07120929124454657}],"sentiment":"neutral","sentiment_score":0.07673860441767767,"num_words":89,"start":82.76,"end":109.89},{"sentences":[{"text":"No.","start":115.564995,"end":115.725,"sentiment":"neutral","sentiment_score":-0.16437236964702606},{"text":"That's fine.","start":115.725,"end":116.465,"sentiment":"neutral","sentiment_score":-0.07346029579639435},{"text":"Mate, the only one I really want you to pull up initially, if you can, is your hub twenty four performance report.","start":117.085,"end":123.66499,"sentiment":"neutral","sentiment_score":0.09833199259909717},{"text":"Yes.","start":133.98,"end":134.3,"sentiment":"neutral","sentiment_score":0.1684350073337555},{"text":"That's the one.","start":134.3,"end":135.2,"sentiment":"neutral","sentiment_score":0.16287883122762045}],"sentiment":"neutral","sentiment_score":0.08652008196403241,"num_words":29,"start":115.564995,"end":135.2},{"sentences":[{"text":"That's the one.","start":137.42,"end":138.14,"sentiment":"neutral","sentiment_score":0.1616705854733785},{"text":"Yep.","start":138.14,"end":138.64,"sentiment":"neutral","sentiment_score":0.07367746531963348},{"text":"Now is there anything in particular you're hoping to get out of this year's review?","start":140.595,"end":144.295,"sentiment":"neutral","sentiment_score":0.0401377954830726},{"text":"Yep.","start":151.65001,"end":151.97,"sentiment":"neutral","sentiment_score":-0.037072643637657166},{"text":"So just a bit of a general update, make sure there's nothing we need to change, things like that.","start":151.97,"end":156.31,"sentiment":"neutral","sentiment_score":-0.04701136605274912}],"sentiment":"neutral","sentiment_score":0.005909424496050446,"num_words":39,"start":137.42,"end":156.31},{"sentences":[{"text":"Cool.","start":160.93001,"end":161.43001,"sentiment":"neutral","sentiment_score":-0.003389963880181313},{"text":"Alrighty.","start":163.105,"end":163.605,"sentiment":"neutral","sentiment_score":0.01890496350824833},{"text":"Now I'm just gonna go through Hub first, and then I'm gonna go and confirm some of the details we've got on file just to make sure the new system is accurate, and then I'll just finish off with the insurances and estate planning.","start":163.905,"end":175.765,"sentiment":"neutral","sentiment_score":0.11469388160515916},{"text":"Just quickly touching base on your goals, mate.","start":177.17,"end":179.09,"sentiment":"neutral","sentiment_score":0.17432923428714275},{"text":"We had you with a bit of a retirement goal, age 65, obviously focusing on growing the super, but there was a few more personal goals about getting some investment properties and having them supplement your your retirement, your wealth creation.","start":179.09,"end":192.705,"sentiment":"neutral","sentiment_score":0.08728855484869422}],"sentiment":"neutral","sentiment_score":0.10563695171945973,"num_words":95,"start":160.93001,"end":192.705},{"sentences":[{"text":"Is that still the main focus for you at the moment?","start":192.925,"end":195.355,"sentiment":"neutral","sentiment_score":0.021203106099909},{"text":"Yep.","start":204.62,"end":204.86,"sentiment":"neutral","sentiment_score":-0.049727387726306915},{"text":"Looking for a bit of direction or on a bit of a holding pattern for a little while.","start":204.86,"end":208.8,"sentiment":"neutral","sentiment_score":-0.0718528495894538},{"text":"Yep.","start":217.83499,"end":218.035,"sentiment":"neutral","sentiment_score":-0.04478411003947258},{"text":"Yep.","start":218.035,"end":218.235,"sentiment":"neutral","sentiment_score":-0.029226547107100487}],"sentiment":"neutral","sentiment_score":-0.036995474074501544,"num_words":32,"start":192.925,"end":218.235},{"sentences":[{"text":"K.","start":218.235,"end":218.635,"sentiment":"neutral","sentiment_score":-0.03905273973941803},{"text":"Do you want me to put any of those kind of on hold, or is that something you still wanna keep there for the next, say, three to five years?","start":218.635,"end":224.095,"sentiment":"neutral","sentiment_score":-0.06611667374769846},{"text":"So really just tracking down alongside the super, how you're going towards purchasing properties and things like that if you still wanna actively accumulate those over the next few years.","start":229.20999,"end":239.39,"sentiment":"neutral","sentiment_score":-0.012546677390734355},{"text":"Yep.","start":245.905,"end":246.38501,"sentiment":"neutral","sentiment_score":-0.022421617060899734},{"text":"K.","start":246.38501,"end":246.88501,"sentiment":"neutral","sentiment_score":-0.026853041723370552}],"sentiment":"neutral","sentiment_score":-0.03886076083613767,"num_words":63,"start":218.235,"end":246.88501},{"sentences":[{"text":"I can sort of chop them off for the time being, and we can just focus on the super side.","start":246.945,"end":250.945,"sentiment":"neutral","sentiment_score":-0.025307341944426298},{"text":"And if anything else pops up, we can always touch base on that next year as well.","start":250.945,"end":254.55,"sentiment":"positive","sentiment_score":0.3507560438969556},{"text":"Cool.","start":256.87,"end":257.27,"sentiment":"positive","sentiment_score":0.5287389755249023},{"text":"Now one of the things with the super so I'll give you a quick rundown from what I can see.","start":257.27,"end":261.83002,"sentiment":"neutral","sentiment_score":0.22135458290576934},{"text":"So we had all of your super sort of finished off consolidating around this time last year.","start":261.83002,"end":267.59,"sentiment":"neutral","sentiment_score":0.14057500879554188}],"sentiment":"neutral","sentiment_score":0.1706974892069896,"num_words":75,"start":246.945,"end":267.59},{"sentences":[{"text":"You were sitting at about $136.","start":267.59,"end":269.75497,"sentiment":"neutral","sentiment_score":0.0917423889040947},{"text":"You're sitting at $156.04 $4.09 at the moment.","start":269.75497,"end":273.455,"sentiment":"neutral","sentiment_score":0.08981639426201582},{"text":"Now do you remember that you're in kind of like a a growth portfolio, sort of four out of five on the risk scale, mostly in growth assets like shares and property.","start":275.115,"end":284.05,"sentiment":"neutral","sentiment_score":0.049578960111830384},{"text":"Does that ring a bell?","start":284.05,"end":285.03,"sentiment":"neutral","sentiment_score":0.0726804830133915},{"text":"Not necessarily property, but just with your super.","start":292.05,"end":294.31,"sentiment":"neutral","sentiment_score":-0.01925489492714405}],"sentiment":"neutral","sentiment_score":0.05194704180930631,"num_words":59,"start":267.59,"end":294.31},{"sentences":[{"text":"We've got, I guess, property shares and gold, I would call growth assets, high risk, high return, as opposed to, like, a savings account or a term deposit.","start":294.53,"end":302.295,"sentiment":"neutral","sentiment_score":0.05004407372325659},{"text":"K?","start":304.995,"end":305.495,"sentiment":"neutral","sentiment_score":0.030506521463394165},{"text":"So you're still, I guess, mostly focused on growing the super as much as you can, but you're not high risk.","start":305.715,"end":311.495,"sentiment":"neutral","sentiment_score":0.10123236158064433},{"text":"That'd be like a high growth.","start":311.58,"end":313.19998,"sentiment":"neutral","sentiment_score":0.06788203492760658},{"text":"K?","start":316.86,"end":317.34,"sentiment":"neutral","sentiment_score":0.028705064207315445}],"sentiment":"neutral","sentiment_score":0.07006346408212394,"num_words":57,"start":294.53,"end":317.34},{"sentences":[{"text":"As far as the returns go, I mean, the market's kind of had a bit of a tank over Christmas time with what happens in Iran and the fuel crisis, but you're still up just shy of 10% after fees, which is kind of above the benchmark for your risk level that we're aiming for.","start":317.34,"end":333.19498,"sentiment":"neutral","sentiment_score":0.04843114638193087},{"text":"K.","start":336.455,"end":336.69498,"sentiment":"neutral","sentiment_score":0.07142788916826248},{"text":"So was expecting to give you a call and say, hey, mate.","start":336.69498,"end":339.88998,"sentiment":"neutral","sentiment_score":0.08157911151647568},{"text":"You're you're a little bit in the negative, but you're still up, again, $20 for the year, including, I guess, contributions in the growth of the super.","start":339.88998,"end":347.99,"sentiment":"neutral","sentiment_score":0.12060584528026758},{"text":"So it's contributions.","start":349.665,"end":358.885,"sentiment":"neutral","sentiment_score":-0.008229877178867659}],"sentiment":"neutral","sentiment_score":0.07087508642247745,"num_words":98,"start":317.34,"end":358.885},{"sentences":[{"text":"Yeah.","start":360.785,"end":361.025,"sentiment":"neutral","sentiment_score":0.07093599438667297},{"text":"Yep.","start":361.025,"end":361.185,"sentiment":"neutral","sentiment_score":0.09699475765228271},{"text":"So it's about $10.11 grand of contributions and about $15 worth of growth.","start":361.185,"end":365.16,"sentiment":"neutral","sentiment_score":0.1587031019421724},{"text":"Cool.","start":368.84,"end":369.24,"sentiment":"neutral","sentiment_score":0.08172528445720673},{"text":"And why do you say interesting, like, good or not what you expected?","start":369.24,"end":372.86002,"sentiment":"neutral","sentiment_score":-0.06993074285296294}],"sentiment":"neutral","sentiment_score":0.0484033346433064,"num_words":29,"start":360.785,"end":372.86002},{"sentences":[{"text":"Yeah.","start":377.815,"end":378.215,"sentiment":"neutral","sentiment_score":-0.08197817206382751},{"text":"Well, one of the things I can kind of, I guess, give you a bit of a tip on is that now that you're sitting at well over $150, we are expecting that in the years where the super goes up and the stock market goes up, that you're getting more growth than your contributions, which is not what you would have been experiencing for the first, say, ten, fifteen years of super.","start":378.215,"end":397.1,"sentiment":"neutral","sentiment_score":0.09983227172330635},{"text":"You would have had more going in from work than it was growing because it's all percentage returns.","start":397.16,"end":401.58002,"sentiment":"neutral","sentiment_score":0.10620338469743729},{"text":"You know?","start":401.72,"end":402.30002,"sentiment":"neutral","sentiment_score":0.04735546186566353},{"text":"10% of 150 is a lot, lot more than when you had $30 in there.","start":402.395,"end":407.135,"sentiment":"neutral","sentiment_score":0.06490521331628164}],"sentiment":"neutral","sentiment_score":0.0934470432272198,"num_words":109,"start":377.815,"end":407.135},{"sentences":[{"text":"Makes sense?","start":408.95502,"end":409.615,"sentiment":"neutral","sentiment_score":0.0666896365582943},{"text":"Perfect.","start":411.355,"end":411.855,"sentiment":"positive","sentiment_score":0.5695399045944214},{"text":"There's a couple of things in there.","start":412.23502,"end":413.855,"sentiment":"neutral","sentiment_score":0.26831526841436115},{"text":"That performance report, the first page lists all of your different investment options.","start":414.155,"end":417.68,"sentiment":"neutral","sentiment_score":0.16606479195448068},{"text":"Second page is your total portfolio all in one line.","start":417.68,"end":421.14,"sentiment":"neutral","sentiment_score":0.17603912726044654}],"sentiment":"neutral","sentiment_score":0.1969805946855834,"num_words":33,"start":408.95502,"end":421.14},{"sentences":[{"text":"Most everything has grown pretty damn well.","start":422.0,"end":424.58002,"sentiment":"positive","sentiment_score":0.5689176321029663},{"text":"You've fortunately had a bit of investment in battery tech, which is like your electric vehicles, which is kind of going off this year.","start":424.88,"end":433.30502,"sentiment":"positive","sentiment_score":0.4036802028616269},{"text":"98% return there, which is sensational.","start":433.30502,"end":435.565,"sentiment":"positive","sentiment_score":0.5967223544915518},{"text":"Gold's up 26.","start":435.70502,"end":436.825,"sentiment":"neutral","sentiment_score":0.3231835961341858},{"text":"Shares are up fourteen and eleven.","start":436.825,"end":438.36502,"sentiment":"neutral","sentiment_score":0.2179871474703153}],"sentiment":"positive","sentiment_score":0.4245338281211646,"num_words":46,"start":422.0,"end":438.36502},{"sentences":[{"text":"So that's all looking good.","start":438.42502,"end":439.70502,"sentiment":"positive","sentiment_score":0.48090343475341796},{"text":"You did have one out of the eight options dip into the negative there, which is your Australian shares.","start":439.70502,"end":445.08502,"sentiment":"neutral","sentiment_score":-0.017802584916353226},{"text":"So I've got to keep a bit of an eye on that one because one out of seven having a bit of a dip, not too bad, still overall doing really good.","start":445.37,"end":453.39,"sentiment":"neutral","sentiment_score":0.0285644149989821},{"text":"But if that continues for any period of time, I may need to switch that option out.","start":453.61002,"end":457.785,"sentiment":"neutral","sentiment_score":-0.20246340597377105},{"text":"K?","start":460.345,"end":460.825,"sentiment":"neutral","sentiment_score":-0.051221173256635666}],"sentiment":"neutral","sentiment_score":-0.006929320736309966,"num_words":74,"start":438.42502,"end":460.825},{"sentences":[{"text":"Now because it's above benchmark, I don't feel like we need to go and overhaul your investments right now unless there's any major concerns on your end, Dean.","start":460.825,"end":469.725,"sentiment":"neutral","sentiment_score":-0.18998792448214122},{"text":"K.","start":473.47998,"end":473.87997,"sentiment":"neutral","sentiment_score":-0.006682981736958027},{"text":"What I would Yeah.","start":473.87997,"end":484.775,"sentiment":"neutral","sentiment_score":0.1802862286567688},{"text":"It had a really stellar year last year, and it's one of those things we're adding a bit of those.","start":484.775,"end":489.575,"sentiment":"positive","sentiment_score":0.5348322570323945},{"text":"We call them an alternative asset because it's not a share or a property.","start":489.575,"end":492.95502,"sentiment":"neutral","sentiment_score":0.30113979429006577}],"sentiment":"neutral","sentiment_score":0.1538418254940145,"num_words":67,"start":460.825,"end":492.95502},{"sentences":[{"text":"And just having that extra little diversification really paid off pretty damn well.","start":493.175,"end":497.28,"sentiment":"positive","sentiment_score":0.5650132481868451},{"text":"Yeah.","start":500.56,"end":501.06,"sentiment":"neutral","sentiment_score":-0.0018258718773722649},{"text":"Yeah.","start":506.8,"end":507.2,"sentiment":"neutral","sentiment_score":-0.03770621865987778},{"text":"That's right.","start":507.2,"end":507.76,"sentiment":"neutral","sentiment_score":0.017410861793905493},{"text":"Both gold and silver had a huge jump up to Christmas, and then all of a sudden January, February hit, and they had a bit of a tumble.","start":507.76,"end":513.14,"sentiment":"neutral","sentiment_score":-0.10258485935628414}],"sentiment":"neutral","sentiment_score":0.09929079550007978,"num_words":45,"start":493.175,"end":513.14},{"sentences":[{"text":"And that's pretty I mean, once you go up a 160%, it drops 40.","start":513.495,"end":518.875,"sentiment":"neutral","sentiment_score":-0.169618585812194},{"text":"Most people are still up a 100%.","start":519.015,"end":520.855,"sentiment":"neutral","sentiment_score":0.12654996237584523},{"text":"So it's been a pretty crazy twelve months.","start":520.855,"end":523.755,"sentiment":"neutral","sentiment_score":-0.0033795603085309267},{"text":"Yeah.","start":525.75,"end":525.91003,"sentiment":"neutral","sentiment_score":0.015073101967573166},{"text":"And that's why we don't put everything into one kind of asset.","start":525.91003,"end":528.47003,"sentiment":"neutral","sentiment_score":-0.017918239580467343}],"sentiment":"neutral","sentiment_score":-0.04085220762395433,"num_words":42,"start":513.495,"end":528.47003},{"sentences":[{"text":"That's why we use buzzwords like diversification because you don't want your super jumping up and down 80% a single year.","start":528.47003,"end":534.55005,"sentiment":"neutral","sentiment_score":0.006215231448766731},{"text":"Wanna spread it around a little bit and get a bit more guarantee of where you're going.","start":534.55005,"end":538.49,"sentiment":"neutral","sentiment_score":0.17371908706777237},{"text":"Now the only other two things to note, mate, was cybersecurity and property.","start":542.91504,"end":547.335,"sentiment":"neutral","sentiment_score":-0.025139078354606263},{"text":"Tiny little negatives about 5% there.","start":547.715,"end":550.29504,"sentiment":"neutral","sentiment_score":-0.25777485718329746},{"text":"That's mostly just, I guess, cyclical is what I would say.","start":550.35504,"end":554.54,"sentiment":"neutral","sentiment_score":-0.10434729199517857}],"sentiment":"neutral","sentiment_score":0.00091863186646472,"num_words":68,"start":528.47003,"end":554.54},{"sentences":[{"text":"Everything going on with AI at the moment, you'd expect cybersecurity to kind of jump up next year, and property kinda does what it does based on what happens in the news, federal budgets, things like that.","start":555.0,"end":565.575,"sentiment":"neutral","sentiment_score":-0.03628931355637473},{"text":"So nothing too concerning there.","start":566.375,"end":567.995,"sentiment":"neutral","sentiment_score":-0.02351313978433609},{"text":"Just swinging over to the contributions because I'm kind of looking at what's coming in from work.","start":570.375,"end":575.495,"sentiment":"neutral","sentiment_score":0.0212471849997254},{"text":"They're paying in fortnightly, and they're about to change after the financial year that the employers paying in in line with your pay cycle.","start":575.495,"end":583.67,"sentiment":"neutral","sentiment_score":0.021800266617598634},{"text":"Are you paid weekly or fortnightly?","start":583.67,"end":585.29,"sentiment":"neutral","sentiment_score":0.01763932779431343}],"sentiment":"neutral","sentiment_score":-0.005281188650831078,"num_words":89,"start":555.0,"end":585.29},{"sentences":[{"text":"Fortnightly.","start":587.02997,"end":587.52997,"sentiment":"neutral","sentiment_score":0.1948459893465042},{"text":"Cool.","start":587.58997,"end":587.83,"sentiment":"positive","sentiment_score":0.4401644766330719},{"text":"So they've already done it ahead of time, which is good.","start":587.83,"end":590.14996,"sentiment":"positive","sentiment_score":0.5461904785849832},{"text":"That means more invested, more regularly, smooth things out a little bit, which is good for you.","start":590.14996,"end":595.065,"sentiment":"positive","sentiment_score":0.4733691320699804},{"text":"But based on the contribution rate I'm seeing, if it if they're just paying a standard 12% into your super, it looks like your income's jumped up to about 92 and a half grand from the $80 that we previously had unless they're paying you a higher percentage.","start":595.225,"end":609.245,"sentiment":"neutral","sentiment_score":0.03813849214930087}],"sentiment":"neutral","sentiment_score":0.21180805895859614,"num_words":78,"start":587.02997,"end":609.245},{"sentences":[{"text":"Have you had a bit of a pay rise?","start":609.94,"end":611.22,"sentiment":"neutral","sentiment_score":-0.0586297143664625},{"text":"Or k.","start":611.22,"end":616.37,"sentiment":"neutral","sentiment_score":-0.02225393522530794},{"text":"Yeah.","start":659.92,"end":660.16,"sentiment":"neutral","sentiment_score":0.025365054607391357},{"text":"Even if it's just like a fortnightly gross pay or even the year to date, I can kinda just double check that it's getting close to the 90 mark rather than the 80 mark.","start":660.16,"end":668.8,"sentiment":"neutral","sentiment_score":0.008599871879114825},{"text":"That'd be good just to cross reference with you.","start":668.8,"end":670.995,"sentiment":"neutral","sentiment_score":0.15084426601727804}],"sentiment":"neutral","sentiment_score":0.020057887143709444,"num_words":55,"start":609.94,"end":670.995},{"sentences":[{"text":"Are you still doing facilities coordinator for the department of education?","start":673.635,"end":677.895,"sentiment":"neutral","sentiment_score":0.035638738254254516},{"text":"Yep.","start":679.555,"end":679.875,"sentiment":"neutral","sentiment_score":0.050288885831832886},{"text":"Okay.","start":679.875,"end":680.195,"sentiment":"neutral","sentiment_score":0.05596349015831947},{"text":"So no changes there.","start":680.195,"end":681.495,"sentiment":"neutral","sentiment_score":0.011169071309268475},{"text":"Still mainly computer work and things like that and checking safety standards.","start":682.355,"end":686.535,"sentiment":"neutral","sentiment_score":0.015234281619389852}],"sentiment":"neutral","sentiment_score":0.025026419360576004,"num_words":29,"start":673.635,"end":686.535},{"sentences":[{"text":"Yep.","start":689.29,"end":689.79,"sentiment":"neutral","sentiment_score":0.015801049768924713},{"text":"Yeah.","start":694.25,"end":694.75,"sentiment":"neutral","sentiment_score":-0.0057129031047225},{"text":"That's alright, man.","start":702.265,"end":703.305,"sentiment":"neutral","sentiment_score":-0.11385609706242879},{"text":"Please.","start":703.305,"end":703.805,"sentiment":"neutral","sentiment_score":-0.06431537866592407},{"text":"Again, with the the power and everything, probably not your not your morning so far, but I can kind of work back and use that if you're comfortable.","start":704.665,"end":713.325,"sentiment":"neutral","sentiment_score":-0.08410620556346007}],"sentiment":"neutral","sentiment_score":-0.08090497879311442,"num_words":34,"start":689.29,"end":713.325},{"sentences":[{"text":"That's alright.","start":728.045,"end":728.605,"sentiment":"neutral","sentiment_score":-0.3112456798553467},{"text":"Do you mind if I kind of put it down there as a a tentative income of about 92 and a half unless you've got an idea of what the tax return is looking like?","start":728.605,"end":736.625,"sentiment":"neutral","sentiment_score":-0.034857862389513425},{"text":"Cool.","start":740.06,"end":740.56,"sentiment":"neutral","sentiment_score":0.21319502592086792},{"text":"You're not aware of them paying you, like, a higher percentage of super or anything like that?","start":741.02,"end":744.62,"sentiment":"neutral","sentiment_score":-0.05152342460282585},{"text":"Any new EBAs or agreements at work?","start":744.62,"end":747.04004,"sentiment":"neutral","sentiment_score":-0.04174041481954711}],"sentiment":"neutral","sentiment_score":-0.04511939740980104,"num_words":62,"start":728.045,"end":747.04004},{"sentences":[{"text":"That's fantastic.","start":749.58,"end":750.32,"sentiment":"positive","sentiment_score":0.3785935640335083},{"text":"Oh, that's fair enough.","start":754.095,"end":755.235,"sentiment":"neutral","sentiment_score":0.08495333977043629},{"text":"But how are you going cash flow wise?","start":755.935,"end":757.775,"sentiment":"neutral","sentiment_score":0.05593916028738022},{"text":"Are you still able to put a put aside 600 to a week, 1,200 a fortnight into savings, or is that kind of stalled at the moment?","start":757.775,"end":765.315,"sentiment":"neutral","sentiment_score":-0.011963107933600744},{"text":"Yeah.","start":785.195,"end":785.695,"sentiment":"neutral","sentiment_score":0.06029961630702019}],"sentiment":"neutral","sentiment_score":0.0305192731320858,"num_words":42,"start":749.58,"end":785.695},{"sentences":[{"text":"One of the things I wanted to check with you is because of that savings rate, last time we checked, I think you had, like, a home value that's about 620,000, but you didn't really have much owing on it.","start":785.915,"end":795.39996,"sentiment":"neutral","sentiment_score":0.012293894751928746},{"text":"Have you kind of cleared off the mortgage now, or is it still yeah.","start":795.39996,"end":801.07996,"sentiment":"neutral","sentiment_score":-0.024243875539728572},{"text":"That's right.","start":801.07996,"end":801.56,"sentiment":"neutral","sentiment_score":0.062199151143431664},{"text":"So I think it was, like, $2 last check possibly a year ago or earlier.","start":801.56,"end":805.73505,"sentiment":"neutral","sentiment_score":0.012161299958825112},{"text":"So debt free on the mortgage.","start":806.03503,"end":808.215,"sentiment":"neutral","sentiment_score":0.002362794242799282}],"sentiment":"neutral","sentiment_score":0.006147222073337474,"num_words":77,"start":785.915,"end":808.215},{"sentences":[{"text":"Yeah.","start":812.03503,"end":812.53503,"sentiment":"neutral","sentiment_score":-0.009443281218409538},{"text":"Yeah.","start":815.73,"end":816.23,"sentiment":"neutral","sentiment_score":-0.04711737483739853},{"text":"And I'm assuming the new car you bought is not valued at $10 like the old one?","start":825.01,"end":829.635,"sentiment":"neutral","sentiment_score":-0.07199226626578499},{"text":"Not bad at all.","start":834.275,"end":835.815,"sentiment":"neutral","sentiment_score":0.013028176501393318},{"text":"And if you don't mind me asking, just a rough estimate in savings if you've got a rainy day fund or anything like that.","start":836.115,"end":842.37,"sentiment":"neutral","sentiment_score":-0.02121892780996859}],"sentiment":"neutral","sentiment_score":-0.03696959029803885,"num_words":47,"start":812.03503,"end":842.37},{"sentences":[{"text":"8,008 thousand, was it?","start":865.745,"end":867.27,"sentiment":"neutral","sentiment_score":0.02886175224557519},{"text":"Fantastic.","start":869.75,"end":870.25,"sentiment":"positive","sentiment_score":0.4360325336456299},{"text":"Pop that in.","start":871.19,"end":872.01,"sentiment":"neutral","sentiment_score":0.30028291543324787},{"text":"And no crypto or shares or anything scrolled under the mattress there?","start":872.07,"end":876.01,"sentiment":"neutral","sentiment_score":0.026165274437516928},{"text":"Fantastic.","start":878.87,"end":879.37,"sentiment":"neutral","sentiment_score":0.1829112321138382}],"sentiment":"neutral","sentiment_score":0.09282013401389122,"num_words":21,"start":865.745,"end":879.37},{"sentences":[{"text":"Alright.","start":879.43,"end":879.93,"sentiment":"neutral","sentiment_score":0.03795561566948891},{"text":"Last two questions, mate.","start":879.99,"end":881.64496,"sentiment":"neutral","sentiment_score":0.027757689356803894},{"text":"Liabilities and your loans?","start":882.265,"end":883.64496,"sentiment":"neutral","sentiment_score":-0.0030026731546968226},{"text":"K.","start":886.90497,"end":887.40497,"sentiment":"neutral","sentiment_score":-0.02832575142383575},{"text":"You're not a member of any foreign tax residency or anything like that?","start":887.785,"end":891.725,"sentiment":"neutral","sentiment_score":-0.0639978449505109}],"sentiment":"neutral","sentiment_score":-0.0314487850131548,"num_words":23,"start":879.43,"end":891.725},{"sentences":[{"text":"Just another sort of new check we've got to do just quickly.","start":893.48,"end":896.06,"sentiment":"neutral","sentiment_score":-0.04531277840336164},{"text":"And relationship status, I did know that you were trying to do some updates on your beneficiaries, and we still had you married possibly in separation.","start":896.36,"end":905.74,"sentiment":"neutral","sentiment_score":-0.007866584624235447},{"text":"How's that all going?","start":906.12,"end":907.365,"sentiment":"neutral","sentiment_score":0.021946425084024668},{"text":"Yep.","start":912.725,"end":913.045,"sentiment":"neutral","sentiment_score":-0.001612582593224943},{"text":"So still on the holding pattern a little bit.","start":913.045,"end":915.225,"sentiment":"neutral","sentiment_score":-0.03949970193207264}],"sentiment":"neutral","sentiment_score":-0.019569398859927718,"num_words":52,"start":893.48,"end":915.225},{"sentences":[{"text":"Bless you.","start":919.285,"end":919.95,"sentiment":"positive","sentiment_score":0.46325328946113586},{"text":"K.","start":922.03,"end":922.53,"sentiment":"neutral","sentiment_score":0.029393643140792847},{"text":"Do you want me to send any sort of refresh forms to change the nominations for who the super and life insurance go to?","start":922.59,"end":928.51,"sentiment":"neutral","sentiment_score":0.004181698818380634},{"text":"Because I know you were looking to do that previously.","start":928.51,"end":930.93,"sentiment":"neutral","sentiment_score":-0.03937225304543972},{"text":"Oh, in terms of who's a valid nomination or something like that.","start":942.685,"end":945.9,"sentiment":"neutral","sentiment_score":-0.10037360060960054}],"sentiment":"neutral","sentiment_score":-0.011060096817661305,"num_words":49,"start":919.285,"end":945.9},{"sentences":[{"text":"Financial independent.","start":958.95496,"end":960.095,"sentiment":"neutral","sentiment_score":-0.021587717346847057},{"text":"Yeah.","start":960.235,"end":960.735,"sentiment":"neutral","sentiment_score":-0.012864614836871624},{"text":"Is there someone in particular that you would prefer to go to outside of living with your financial dependent?","start":965.115,"end":970.33496,"sentiment":"neutral","sentiment_score":-0.050419814492526804},{"text":"Sibling, parent?","start":971.37,"end":972.26996,"sentiment":"neutral","sentiment_score":-0.035146741196513176},{"text":"Yep.","start":975.52997,"end":976.02997,"sentiment":"neutral","sentiment_score":0.04349461942911148}],"sentiment":"neutral","sentiment_score":-0.0416326155140996,"num_words":25,"start":958.95496,"end":976.02997},{"sentences":[{"text":"Well, there is one thing you can do.","start":985.945,"end":988.52496,"sentiment":"neutral","sentiment_score":-0.12263745511882007},{"text":"Yeah.","start":992.90497,"end":993.305,"sentiment":"neutral","sentiment_score":-0.10356613993644714},{"text":"The the beneficiary laws are a little bit strange like that.","start":993.305,"end":996.505,"sentiment":"neutral","sentiment_score":-0.21772019565105438},{"text":"It's gonna be dependency and things like that.","start":996.505,"end":998.82996,"sentiment":"neutral","sentiment_score":-0.20027911383658648},{"text":"But I do have some sort of good news for you.","start":999.05,"end":1001.79,"sentiment":"positive","sentiment_score":0.3372867398641326}],"sentiment":"neutral","sentiment_score":-0.035170941159893304,"num_words":39,"start":985.945,"end":1001.79},{"sentences":[{"text":"Your life insurance can essentially go to anybody.","start":1002.64996,"end":1005.70996,"sentiment":"positive","sentiment_score":0.48126811534166336},{"text":"That one's easy.","start":1006.49,"end":1007.63,"sentiment":"positive","sentiment_score":0.5297083854675293},{"text":"So if you want to nominate your soup your sister for the life insurance, you can do that.","start":1007.93,"end":1013.14996,"sentiment":"positive","sentiment_score":0.43292498422993553},{"text":"And then when it comes to the super, if you nominate your estate, it goes in line with all your other assets, cars, shoes, house, bank savings, and things like that.","start":1013.425,"end":1023.745,"sentiment":"neutral","sentiment_score":0.24103809556653422},{"text":"And in a will, if you put one of those in place, you can say, hey.","start":1023.745,"end":1026.785,"sentiment":"neutral","sentiment_score":0.1053166608326137}],"sentiment":"neutral","sentiment_score":0.29459430698893574,"num_words":76,"start":1002.64996,"end":1026.785},{"sentences":[{"text":"It goes to sister or whoever.","start":1026.785,"end":1030.51,"sentiment":"neutral","sentiment_score":0.043647214149435364},{"text":"So do you want me to kind of get at least the life insurance switched over to her and kind of fix up the super one to go to your name?","start":1031.77,"end":1040.8301,"sentiment":"neutral","sentiment_score":-0.007648940768934066},{"text":"So if you put it to your name, which is your estate, then if you put in place a will, you can be a bit more specific in where it goes.","start":1044.625,"end":1051.445,"sentiment":"neutral","sentiment_score":0.07759264964730508},{"text":"Yep.","start":1062.4,"end":1062.9,"sentiment":"positive","sentiment_score":0.400449275970459},{"text":"Cool.","start":1063.12,"end":1063.62,"sentiment":"positive","sentiment_score":0.5621708631515503}],"sentiment":"neutral","sentiment_score":0.04846797713211604,"num_words":70,"start":1026.785,"end":1063.62},{"sentences":[{"text":"Otherwise, because it's binding the other way, it's literally direct.","start":1063.76,"end":1068.275,"sentiment":"positive","sentiment_score":0.3402466684579849},{"text":"If you pass away tomorrow, it would all just go straight to that one person with basically no questions asked.","start":1068.335,"end":1073.9551,"sentiment":"neutral","sentiment_score":0.15392103902995585},{"text":"K.","start":1077.79,"end":1078.29,"sentiment":"neutral","sentiment_score":0.13863375782966614},{"text":"Mate, I'll put a bit of a note on, and the team can guide you through that pretty easily.","start":1078.35,"end":1082.61,"sentiment":"neutral","sentiment_score":0.3109833072674902},{"text":"The last thing I wanted to just chat to you about is your Zurich policy.","start":1082.8301,"end":1088.37,"sentiment":"neutral","sentiment_score":0.08230391790469488}],"sentiment":"neutral","sentiment_score":0.21173481276402106,"num_words":65,"start":1063.76,"end":1088.37},{"sentences":[{"text":"Do you remember you've got, like, life insurance income protection, all that kind of thing?","start":1088.43,"end":1091.865,"sentiment":"neutral","sentiment_score":0.041826799015204114},{"text":"So just double checking this is still all good because the prices haven't really jumped up much.","start":1093.785,"end":1097.885,"sentiment":"neutral","sentiment_score":0.24900299705126705},{"text":"It's gonna get very expensive towards the late forties, early fifties, but we've got 4,816 a month worth of income protection, which is how much you'd get paid after ninety days up to the age of 65.","start":1098.425,"end":1114.11,"sentiment":"neutral","sentiment_score":0.06870223314979591},{"text":"So let's say you get about more thousand bucks in hand after tax.","start":1114.49,"end":1119.965,"sentiment":"neutral","sentiment_score":0.10791133859982857},{"text":"Would that get you buy bills wise?","start":1120.665,"end":1123.085,"sentiment":"neutral","sentiment_score":0.0663706793316773}],"sentiment":"neutral","sentiment_score":0.10415592942428722,"num_words":89,"start":1088.43,"end":1123.085},{"sentences":[{"text":"Let's say $2 a fortnight in hand if you're injured for six months.","start":1127.465,"end":1132.6,"sentiment":"neutral","sentiment_score":-0.1074248174062142},{"text":"Yep.","start":1136.58,"end":1137.08,"sentiment":"neutral","sentiment_score":0.19369064271450043},{"text":"So that's protecting income of about $82.05 60.","start":1138.1799,"end":1142.12,"sentiment":"neutral","sentiment_score":0.22238842584192753},{"text":"If you wanted, you could bump it up a little bit if your income really is $90.","start":1142.4199,"end":1146.145,"sentiment":"neutral","sentiment_score":0.20522674655213075},{"text":"But if you're happy with that amount, you can keep it like that.","start":1146.145,"end":1149.365,"sentiment":"neutral","sentiment_score":0.29037227538915783}],"sentiment":"neutral","sentiment_score":0.15076864797335404,"num_words":52,"start":1127.465,"end":1149.365},{"sentences":[{"text":"Cool.","start":1152.9451,"end":1153.4451,"sentiment":"positive","sentiment_score":0.35249316692352295},{"text":"Yeah.","start":1156.0651,"end":1156.385,"sentiment":"neutral","sentiment_score":0.20810091495513916},{"text":"And because you've got all that savings there, that ninety day waiting period makes it way more affordable.","start":1156.385,"end":1161.2,"sentiment":"positive","sentiment_score":0.43297082516882157},{"text":"Because it's, like, 1,700 a year after the tax rebate, if you chop that down to a thirty day wait so you got access to it earlier, it could jump up to, like, 2 and a half, $3 pretty quickly.","start":1161.58,"end":1172.08,"sentiment":"positive","sentiment_score":0.3533326156437397},{"text":"The only other thing is TPD and life insurance of 378,000.","start":1177.085,"end":1182.625,"sentiment":"neutral","sentiment_score":0.022382390092719685}],"sentiment":"neutral","sentiment_score":0.32019126551671767,"num_words":71,"start":1152.9451,"end":1182.625},{"sentences":[{"text":"That's only costing about 600 out of the super per year, $6.29 30.","start":1182.9249,"end":1188.065,"sentiment":"neutral","sentiment_score":0.29994970445449537},{"text":"So that's your least expensive of the two.","start":1188.33,"end":1191.63,"sentiment":"positive","sentiment_score":0.4729732722043991},{"text":"I know you don't really have the debts there, and the life insurance will probably go to your sister.","start":1192.01,"end":1196.19,"sentiment":"neutral","sentiment_score":0.058015495146575724},{"text":"But if you're in a car accident, you break your back, you get your income protection, and you get 378,000 from Zurich plus your super on top, which puts you at a half a mil.","start":1196.73,"end":1208.265,"sentiment":"neutral","sentiment_score":0.15313065041388785},{"text":"Does that sound right for you?","start":1209.285,"end":1210.665,"sentiment":"neutral","sentiment_score":0.1886454075574875}],"sentiment":"neutral","sentiment_score":0.18860335744641446,"num_words":81,"start":1182.9249,"end":1210.665},{"sentences":[{"text":"K.","start":1215.2051,"end":1215.525,"sentiment":"neutral","sentiment_score":0.10097993910312653},{"text":"Outside of that, I mean, $500 invested in pension style, if you had a broken back, you could make that last quite a while.","start":1215.525,"end":1223.04,"sentiment":"neutral","sentiment_score":0.20910053296635547},{"text":"Especially if you keep it conservatively invested, you could probably live off that for a good ten, twenty years plus your income protection.","start":1223.74,"end":1230.0599,"sentiment":"neutral","sentiment_score":0.2806797539410384},{"text":"You'd pretty much be on a similar similar wicket all the way up until pension age.","start":1230.0599,"end":1236.4451,"sentiment":"neutral","sentiment_score":0.14258564775809646},{"text":"K?","start":1240.745,"end":1241.245,"sentiment":"neutral","sentiment_score":0.08447340130805969}],"sentiment":"neutral","sentiment_score":0.21447493594426376,"num_words":65,"start":1215.2051,"end":1241.245},{"sentences":[{"text":"So I'll keep an eye on those because the next anniversary is January.","start":1241.4651,"end":1245.165,"sentiment":"neutral","sentiment_score":0.10546235912121259},{"text":"If that jumps up, we can always trim it down or shop around.","start":1245.5299,"end":1248.1699,"sentiment":"neutral","sentiment_score":0.08731282301820241},{"text":"But at the moment, it's looking alright.","start":1248.1699,"end":1249.61,"sentiment":"neutral","sentiment_score":0.10421764584524291},{"text":"Any concerns on your end there?","start":1249.61,"end":1251.23,"sentiment":"neutral","sentiment_score":0.016895955118040245},{"text":"Cool.","start":1254.97,"end":1255.47,"sentiment":"neutral","sentiment_score":0.03540242090821266}],"sentiment":"neutral","sentiment_score":0.08430947600863874,"num_words":40,"start":1241.4651,"end":1255.47},{"sentences":[{"text":"Right.","start":1255.69,"end":1256.19,"sentiment":"neutral","sentiment_score":0.12404236942529678},{"text":"That's pretty much the main areas I wanted to cover with you today.","start":1256.25,"end":1259.5499,"sentiment":"neutral","sentiment_score":0.20370830251620367},{"text":"Any questions so far?","start":1259.61,"end":1261.035,"sentiment":"neutral","sentiment_score":-0.0036814701743423943},{"text":"K.","start":1265.355,"end":1265.755,"sentiment":"neutral","sentiment_score":-0.026885366067290303},{"text":"So quick recap.","start":1265.755,"end":1267.055,"sentiment":"neutral","sentiment_score":-0.002315384646256765}],"sentiment":"neutral","sentiment_score":0.12380422279238701,"num_words":22,"start":1255.69,"end":1267.055},{"sentences":[{"text":"The stock market's going up and down like a yo yo.","start":1267.515,"end":1270.255,"sentiment":"neutral","sentiment_score":-0.055430016395720566},{"text":"Still good growth out of the super.","start":1270.3151,"end":1271.915,"sentiment":"neutral","sentiment_score":0.28963479825428556},{"text":"I've put a flag on that one investment so that if it is still dragging its feet next time we speak, we'll go for a bit of an update to your portfolio.","start":1271.915,"end":1280.52,"sentiment":"neutral","sentiment_score":0.06137507176026702},{"text":"The insurances will kind of keep in place at the time being.","start":1281.46,"end":1284.4401,"sentiment":"neutral","sentiment_score":0.06436606092999379},{"text":"We'll switch around who they go to, and that's pretty much it for the time being and let you get through what you need to and reconvene once everything's a little bit more stable for you.","start":1284.5,"end":1296.6951,"sentiment":"neutral","sentiment_score":0.20117557648983267}],"sentiment":"neutral","sentiment_score":0.11629009376070937,"num_words":98,"start":1267.515,"end":1296.6951},{"sentences":[{"text":"K?","start":1299.155,"end":1299.655,"sentiment":"neutral","sentiment_score":0.0820782408118248},{"text":"Any other areas of advice you wanna talk about or anything else I can help you with?","start":1300.275,"end":1304.04,"sentiment":"neutral","sentiment_score":0.15246974939809127},{"text":"Yeah.","start":1313.3201,"end":1313.8201,"sentiment":"neutral","sentiment_score":0.26017531752586365},{"text":"Well, thank you for trusting us for looking after your super in the background.","start":1314.04,"end":1317.0,"sentiment":"positive","sentiment_score":0.5566065950053078},{"text":"I'll make sure it keeps doing its thing in the background so you don't have to worry about it too much.","start":1317.0,"end":1321.0149,"sentiment":"positive","sentiment_score":0.4877801395597912}],"sentiment":"positive","sentiment_score":0.3883354547950957,"num_words":54,"start":1299.155,"end":1321.0149},{"sentences":[{"text":"And are you okay to do that annual catch up in twelve months?","start":1321.315,"end":1325.315,"sentiment":"neutral","sentiment_score":0.22364816986597502},{"text":"Do you want me to pencil in a bit earlier?","start":1325.315,"end":1327.2549,"sentiment":"neutral","sentiment_score":0.0929454006254673},{"text":"What's your contact preference?","start":1327.315,"end":1328.695,"sentiment":"neutral","sentiment_score":0.0738062011078},{"text":"Yep.","start":1332.21,"end":1332.71,"sentiment":"positive","sentiment_score":0.38778457045555115},{"text":"If anything pops up in between, like, you can obviously give us a call, and we can get you booked in with me to have a chat, especially if there's any major changes finance wise or personal wise.","start":1332.85,"end":1343.6649,"sentiment":"neutral","sentiment_score":0.3067891840872012}],"sentiment":"neutral","sentiment_score":0.24511937249564764,"num_words":66,"start":1321.315,"end":1343.6649},{"sentences":[{"text":"But outside of that, we'll just keep an eye on things until the review.","start":1343.6649,"end":1347.0449,"sentiment":"neutral","sentiment_score":0.18781345869813645},{"text":"In that pack that I've sent you, there's obviously a service agreement there as well.","start":1348.065,"end":1352.385,"sentiment":"neutral","sentiment_score":0.2257528195778529},{"text":"So if you're still comfortable for us to look after things for the next year or so, it's still just the same fees.","start":1352.385,"end":1358.05,"sentiment":"neutral","sentiment_score":0.27324204989101575},{"text":"1.65% that gets spread monthly throughout the year, and you get a 15% tax rebate off of that.","start":1358.27,"end":1365.09,"sentiment":"positive","sentiment_score":0.33501214534044266},{"text":"Once we get you to 600,000, which might seem like a world away, we do cap it.","start":1365.31,"end":1369.935,"sentiment":"neutral","sentiment_score":0.0898430066950181}],"sentiment":"neutral","sentiment_score":0.22825054704457864,"num_words":87,"start":1343.6649,"end":1369.935},{"sentences":[{"text":"So we do get clients to get up to a mill, two mill.","start":1370.0951,"end":1372.755,"sentiment":"neutral","sentiment_score":0.25749608415823716},{"text":"We obviously can't be charging $30.40 grand for the same service no matter how good it is, but we'll make sure we try and get you there as quick as we can.","start":1372.8151,"end":1380.275,"sentiment":"neutral","sentiment_score":0.22703536530025303},{"text":"Still having the tech issues there?","start":1391.7899,"end":1393.49,"sentiment":"neutral","sentiment_score":-0.3010219410061836},{"text":"Do you want me to pencil in for any kind of catch up next week for any of the details that you're trying to get into for the email there or just leave you to it?","start":1401.8049,"end":1410.4199,"sentiment":"neutral","sentiment_score":0.010182963891161812},{"text":"And if we don't hear back, we'll give you a buzz next week.","start":1410.4199,"end":1412.76,"sentiment":"neutral","sentiment_score":-0.02897142733518894}],"sentiment":"neutral","sentiment_score":0.08796407282352448,"num_words":100,"start":1370.0951,"end":1412.76},{"sentences":[{"text":"Yep.","start":1417.22,"end":1417.72,"sentiment":"neutral","sentiment_score":0.06914409250020981},{"text":"Correct.","start":1437.57,"end":1438.07,"sentiment":"neutral","sentiment_score":0.02567357011139393},{"text":"Hang on a second.","start":1441.33,"end":1442.21,"sentiment":"neutral","sentiment_score":0.007788755465298891},{"text":"Let me have a quick look.","start":1442.21,"end":1443.59,"sentiment":"neutral","sentiment_score":0.024626028413573902},{"text":"That's before the tax rebate.","start":1445.57,"end":1448.07,"sentiment":"neutral","sentiment_score":0.011073058284819127}],"sentiment":"neutral","sentiment_score":0.019358479198725784,"num_words":17,"start":1417.22,"end":1448.07},{"sentences":[{"text":"Oh, you were talking about the income.","start":1457.355,"end":1458.875,"sentiment":"neutral","sentiment_score":-0.04046229991529669},{"text":"Sorry, mate.","start":1458.875,"end":1459.515,"sentiment":"neutral","sentiment_score":-0.1295349821448326},{"text":"That was very close to another figure I was looking at.","start":1459.515,"end":1462.57,"sentiment":"neutral","sentiment_score":-0.1436265083876523},{"text":"Could you just let me know that figure one more time, please?","start":1462.57,"end":1464.91,"sentiment":"neutral","sentiment_score":0.024339573302616675},{"text":"2 71 per fortnight, and that's after tax.","start":1465.61,"end":1472.03,"sentiment":"neutral","sentiment_score":0.021598534542135894}],"sentiment":"neutral","sentiment_score":-0.04143336249981076,"num_words":40,"start":1457.355,"end":1472.03},{"sentences":[{"text":"K.","start":1475.225,"end":1475.465,"sentiment":"neutral","sentiment_score":0.05372592434287071},{"text":"Just bear with me two seconds.","start":1475.465,"end":1477.485,"sentiment":"neutral","sentiment_score":0.058574073016643524},{"text":"We'll have a look at fortnightly.","start":1480.585,"end":1482.845,"sentiment":"neutral","sentiment_score":0.05186089128255844},{"text":"$2.07 $7.01.","start":1484.28,"end":1487.02,"sentiment":"neutral","sentiment_score":0.023914260789752007},{"text":"So it's just under about 3,600 gross in there.","start":1492.8401,"end":1497.755,"sentiment":"neutral","sentiment_score":0.02647223240799374}],"sentiment":"neutral","sentiment_score":0.041767263474563755,"num_words":24,"start":1475.225,"end":1497.755},{"sentences":[{"text":"$2.07 $7.01.","start":1501.655,"end":1503.3551,"sentiment":"neutral","sentiment_score":0.009072797140106559},{"text":"So based on that, it's saying that you're on a pretty much lower income of about 72,000.","start":1506.535,"end":1513.3099,"sentiment":"neutral","sentiment_score":-0.061804148423321104},{"text":"Does it say how much you've got year to date?","start":1514.97,"end":1516.73,"sentiment":"neutral","sentiment_score":-0.03558989930897951},{"text":"Because I know there's only one month left until end of financial year.","start":1516.73,"end":1519.37,"sentiment":"neutral","sentiment_score":-0.0764589633506078},{"text":"Is it 60 something thousand year to date, or is it more like 80 something?","start":1519.37,"end":1523.1499,"sentiment":"neutral","sentiment_score":-0.049727813651164375}],"sentiment":"neutral","sentiment_score":-0.054882590356691366,"num_words":57,"start":1501.655,"end":1523.1499},{"sentences":[{"text":"Yeah.","start":1527.2849,"end":1527.605,"sentiment":"neutral","sentiment_score":-0.09703341126441956},{"text":"Yep.","start":1527.605,"end":1528.105,"sentiment":"neutral","sentiment_score":-0.17374645173549652},{"text":"Oh, that's not working.","start":1534.005,"end":1534.885,"sentiment":"negative","sentiment_score":-0.5628097280859947},{"text":"Okay.","start":1534.885,"end":1535.2849,"sentiment":"neutral","sentiment_score":-0.04282739013433456},{"text":"Cool.","start":1535.2849,"end":1535.7849,"sentiment":"neutral","sentiment_score":0.08105996996164322}],"sentiment":"neutral","sentiment_score":-0.3104732744395733,"num_words":8,"start":1527.2849,"end":1535.7849},{"sentences":[{"text":"Okay.","start":1539.3401,"end":1539.8401,"sentiment":"neutral","sentiment_score":0.006720166653394699},{"text":"Well, just because that's a huge difference between the two potential figures, do you mind if I get the team just to reach out with an email?","start":1540.38,"end":1548.88,"sentiment":"neutral","sentiment_score":0.035081376770028365},{"text":"And once you can get into the system, if you could just flick us, like, a copy or a payslip or something like that just to confirm.","start":1549.02,"end":1555.1951,"sentiment":"neutral","sentiment_score":0.09544025002806275},{"text":"Because if it's a $20 swing, I just wanna make sure I don't need to adjust anything.","start":1555.1951,"end":1559.295,"sentiment":"neutral","sentiment_score":0.018102700657704297},{"text":"Yeah.","start":1566.17,"end":1566.49,"sentiment":"neutral","sentiment_score":0.07361868023872375}],"sentiment":"neutral","sentiment_score":0.05359135180303495,"num_words":73,"start":1539.3401,"end":1566.49},{"sentences":[{"text":"And that's what I'm thinking.","start":1566.49,"end":1567.4501,"sentiment":"neutral","sentiment_score":0.09252350777387619},{"text":"Like, based on what's going in in the contributions, I'd expect about 92.","start":1567.4501,"end":1571.79,"sentiment":"neutral","sentiment_score":0.04130048011071407},{"text":"But if you're only doing 2,700 a fortnight, that's more like $72, which is oh, no.","start":1572.25,"end":1582.665,"sentiment":"neutral","sentiment_score":-0.04278642951976508},{"text":"$72 in pocket.","start":1582.665,"end":1584.125,"sentiment":"neutral","sentiment_score":-0.00397009402513504},{"text":"93.","start":1584.425,"end":1585.405,"sentiment":"neutral","sentiment_score":0.03491837903857231}],"sentiment":"neutral","sentiment_score":0.008893394867252363,"num_words":38,"start":1566.49,"end":1585.405},{"sentences":[{"text":"Yeah.","start":1585.545,"end":1585.9451,"sentiment":"neutral","sentiment_score":0.11953035742044447},{"text":"That actually pretty much matches up, I think.","start":1585.9451,"end":1588.125,"sentiment":"neutral","sentiment_score":0.16203962825238705},{"text":"I was flipping my gross and my net around, so $92.93, you'd probably expect to get.","start":1588.745,"end":1593.6901,"sentiment":"neutral","sentiment_score":0.03044719935860485},{"text":"And they don't give you any other, like, bonuses or supplements or anything?","start":1593.6901,"end":1596.91,"sentiment":"neutral","sentiment_score":-0.14950897945807531},{"text":"Cool.","start":1600.41,"end":1600.73,"sentiment":"neutral","sentiment_score":-0.0569341666996479}],"sentiment":"neutral","sentiment_score":-0.0025012391404463695,"num_words":39,"start":1585.545,"end":1600.73},{"sentences":[{"text":"No overtime or anything like that?","start":1600.73,"end":1602.51,"sentiment":"neutral","sentiment_score":-0.11456952740748723},{"text":"Cool.","start":1605.145,"end":1605.645,"sentiment":"neutral","sentiment_score":0.006450686603784561},{"text":"My favorite kind of leave is do the extra hours, get time and load that you probably won't take.","start":1612.1051,"end":1618.4451,"sentiment":"neutral","sentiment_score":0.002211783963598703},{"text":"Yeah.","start":1628.07,"end":1628.23,"sentiment":"neutral","sentiment_score":-0.03901863098144531},{"text":"You just do it anyway, and that's it.","start":1628.23,"end":1630.15,"sentiment":"neutral","sentiment_score":0.011482585687190294}],"sentiment":"neutral","sentiment_score":-0.016745729371905327,"num_words":35,"start":1600.73,"end":1630.15},{"sentences":[{"text":"Move on.","start":1630.15,"end":1630.63,"sentiment":"neutral","sentiment_score":0.06219381093978882},{"text":"Go home for your day.","start":1630.63,"end":1631.715,"sentiment":"neutral","sentiment_score":0.10165924727916717},{"text":"That'd be good.","start":1641.315,"end":1642.0349,"sentiment":"neutral","sentiment_score":0.31126415729522705},{"text":"And are you still looking to take any leave into Europe or Asia or any travel?","start":1642.0349,"end":1646.775,"sentiment":"neutral","sentiment_score":0.03556429548189044},{"text":"None at the moment.","start":1649.4701,"end":1650.11,"sentiment":"neutral","sentiment_score":-0.10949785821139812}],"sentiment":"neutral","sentiment_score":0.05658378750085831,"num_words":30,"start":1630.15,"end":1650.11},{"sentences":[{"text":"We'll park that for a little bit.","start":1650.11,"end":1651.89,"sentiment":"neutral","sentiment_score":-0.0864198814545359},{"text":"Alrighty.","start":1654.75,"end":1655.25,"sentiment":"neutral","sentiment_score":-0.07250005751848221},{"text":"Cool, though.","start":1656.99,"end":1657.55,"sentiment":"neutral","sentiment_score":0.206756092607975},{"text":"I won't need to email you anymore.","start":1657.55,"end":1659.4701,"sentiment":"neutral","sentiment_score":0.08852554112672806},{"text":"That's perfectly fine for the details.","start":1659.4701,"end":1662.05,"sentiment":"positive","sentiment_score":0.34105384349823}],"sentiment":"neutral","sentiment_score":0.10443803506053012,"num_words":23,"start":1650.11,"end":1662.05},{"sentences":[{"text":"Dean, any other last questions for me before I let you go for the week?","start":1663.025,"end":1666.085,"sentiment":"neutral","sentiment_score":0.041374403362472854},{"text":"Cool.","start":1671.1849,"end":1671.6849,"sentiment":"neutral","sentiment_score":0.17643412947654724},{"text":"Once you get into that Odoo sign, what it tends to do is it lets you scroll through the two documents, the service agreement and a tax file number opt in form, just to make sure you're still okay for us to hold that number because it is quite important and, you know, cybersecurity issues and so on.","start":1672.065,"end":1688.1799,"sentiment":"neutral","sentiment_score":0.13258909761648754},{"text":"Once you scroll through and read them, there's little purple buttons that'll bring you to signature spots and dates.","start":1688.32,"end":1694.375,"sentiment":"neutral","sentiment_score":0.10507087291855562},{"text":"It'll automatically stamp your name on it.","start":1694.5951,"end":1696.8351,"sentiment":"neutral","sentiment_score":0.11553803192717689}],"sentiment":"neutral","sentiment_score":0.11292330650612711,"num_words":100,"start":1663.025,"end":1696.8351},{"sentences":[{"text":"But if you wanna draw a signature on there, you just click on the box, and it'll pop up and let you draw it on there.","start":1696.8351,"end":1702.535,"sentiment":"neutral","sentiment_score":0.11712576534885627},{"text":"Cool.","start":1705.09,"end":1705.4099,"sentiment":"neutral","sentiment_score":0.32157066464424133},{"text":"Mate, if you have any questions for that, just give us a buzz or a text.","start":1705.4099,"end":1708.23,"sentiment":"neutral","sentiment_score":0.23065869975835085},{"text":"Awesome.","start":1710.9299,"end":1711.33,"sentiment":"positive","sentiment_score":0.49431127309799194},{"text":"Look.","start":1711.33,"end":1711.49,"sentiment":"positive","sentiment_score":0.4887794256210327}],"sentiment":"neutral","sentiment_score":0.17867712130149205,"num_words":45,"start":1696.8351,"end":1711.49},{"sentences":[{"text":"I really appreciate you taking the time today.","start":1711.49,"end":1713.59,"sentiment":"positive","sentiment_score":0.6407691929489374},{"text":"Everything's kind of in good hands for now.","start":1714.7699,"end":1716.45,"sentiment":"positive","sentiment_score":0.7988920584321022},{"text":"I'll keep an eye on things for that next catch up.","start":1716.45,"end":1718.865,"sentiment":"positive","sentiment_score":0.5206924053755674},{"text":"And, mate, I hope you have a fantastic year, and I hope when I speak to you next, we've got a few ideas and things are on the up and up.","start":1719.105,"end":1726.725,"sentiment":"positive","sentiment_score":0.6968382308560033},{"text":"Awesome, Dean.","start":1729.265,"end":1729.985,"sentiment":"positive","sentiment_score":0.7664476335048676}],"sentiment":"positive","sentiment_score":0.6729964482287566,"num_words":60,"start":1711.49,"end":1729.985},{"sentences":[{"text":"Have a fantastic day, mate.","start":1729.985,"end":1731.265,"sentiment":"positive","sentiment_score":0.7610454320907593},{"text":"Anything else for me before I go?","start":1731.265,"end":1732.965,"sentiment":"neutral","sentiment_score":0.3015793945108141},{"text":"Easy.","start":1735.4401,"end":1735.9401,"sentiment":"positive","sentiment_score":0.34803080558776855},{"text":"Alright.","start":1736.16,"end":1736.56,"sentiment":"neutral","sentiment_score":0.2694270610809326},{"text":"I'll catch you soon, mate.","start":1736.56,"end":1739.76,"sentiment":"neutral","sentiment_score":0.29565183222293856}],"sentiment":"positive","sentiment_score":0.4216842078848889,"num_words":19,"start":1729.985,"end":1739.76},{"sentences":[{"text":"Thanks, Pete.","start":1739.76,"end":1740.56,"sentiment":"positive","sentiment_score":0.49221067130565643},{"text":"Bye.","start":1740.56,"end":1741.06,"sentiment":"positive","sentiment_score":0.3437938094139099}],"sentiment":"positive","sentiment_score":0.4427383840084076,"num_words":3,"start":1739.76,"end":1741.06}]}}]},{"alternatives":[{"transcript":"Hello. Dan speaking. Yeah. It's not too bad. You know, again, it could be better. Could be better. It's nice and cool here. It's a nice day. Yep. Yep. I'm at home today. So Yep. '83, 42 a Melbourne Avenue, New York time. I would normally be able to do it quite easily. The problem is Western Power has cut off the electricity in the whole area, so I'm gonna have to do it off my phone. Yep. And what's that oh my gosh. It's so many attachments. This is good. This is good. Ship insurance summary. Performance and deposits. Last twelve months. Well, Well, I'm not really. I'm I'm fairly hands off on this sort of stuff. Not that I can think of. No changes that I can think of. No. Look. Again, I'm I'm I don't know what I'm doing myself. Really? Pretty much. Yeah. Yeah. I'm just not really planning on doing anything outrageous at the moment. So what does that actually involve? Okay. We've got I don't know. I don't I don't think so. Yep. Is this property a a growth growth, is it? Yeah. Yeah. Okay. That's good. How much is the how much is the super providing or the gross. Sorry. In compare in comparison to the yeah. That's interesting. Okay. Yeah. No. I yeah. I'm not sure what the like, again, I I don't really follow all this sort of stuff. Yeah. Yeah. Yeah. Nothing nothing I can think of. The gold is gold is going good, which is interest which is great. I've I I know quite a few people who are interested in in purchasing gold. Yeah. So what's it called? Silver? Silver went downhill. It had a bump, and then it went straight down again, didn't it? Or Yeah. Well and it's to be to be expected, I guess. Yeah. Yeah. I'll pay for it, Riley. I don't know. Let me have a quick quiz. Nothing. If I go to This is online. 8401. Let's see. I can quickly look up and see how much I'm what my pay is, That makes sense. Yes. Yep. Safety standards dealing with tradesmen, the cleaners, the gardener, you know, compliance, that sort of stuff. For some reason, the Internet is not working of all the days. I mean, I have my data on my phone connected, but even that's not really running too well. I don't know what's going on. It's quite quite annoying. Yeah. Yeah. Go ahead. Yeah. That that should be fine. Not that I'm aware of that. Normally, that sort of stuff requires fine. Yeah. Yeah. No. I'm I'm making quite a bit of I'm putting money aside here quite a lot. I've saved up quite a bit, and I've you know, last month, I've spent quite a bit as well on a whole bunch of things in my house that I'm preparing, a new car, that sort of stuff. No. I I don't have anything wrong on it. Yeah. It would have been would have been at least two or a year or two years ago at least when you when you first started because there was a bit of there was a bit of lag in getting everything up and running with your with your group. No. This would be 25 at least. I've got oh, yes. This doesn't wanna work for me. I've got about, I think, 8,000 savings at the moment and about 8,000 cash. Yep. No. No. No loans at all. No. Look. Everything's a bit all over in up in the air at the moment. So excuse me. Yeah. It's it's all up in the air. So yeah. I asked about that, and they said you I like, they said, like, I can't change anything at the moment. Yeah. And I'm like, look. If I leave alone, who do how can I who who can I who can I give this to then? Because the guy like, yeah, it has to be someone who's a beneficiary who who you'll what's the term? Someone who lives with you or yeah. And I'm like, like, if I'm if I'm the owner, what do I do then? Like like I mean, if if I was to do anything like that, I'd provide it for my sister. Because folks are my folks are getting a bit on in a year. So so, yeah, I found it very odd that I couldn't I couldn't nominate whoever I wanted to. Yeah. To go where? Sorry? Yep. Okay. Yeah. I guess that's the one thing to do. Yeah. Yep. Yep. A thousand bucks. How often? Sorry? Yeah. I should be able to get by with it. Yeah. I think that'll be fine. Again, I don't really have much loan expenses. Yeah. I guess so. Yeah. Nothing that I can think of. No. No. Nothing that I can think of. No. Yeah. Not really. No. Again, I'm not too not too sorry with this sort of stuff. I just let it all do its thing. Twelve months is fine, I think. So in terms of yeah. No. This is not working. Never mind. Yeah. It just doesn't wanna work for me. I can just quickly check one thing. Let me have a look. 2771. 2771. So that is after tax. So that's the amount that's going into my account. So that's after I've been taxed and and put in. Yes. Two two thousand seven hundred and seventy one. Yeah. Well, that's I'm looking at I'm looking at my what money's gone into my bank account. The the program that actually shows me my payslips and all that sort of stuff just does not want to work some for some reason. Yeah. That's the that's the one I've been having issues with. Yeah. No. I'm I'm pretty sure I'm I'm close to, obviously in the high eighties at the very least. Yeah. Yeah. No. No. Not not all the department. No. Not really. They do, as I said, pay in lieu, but I spent time in lieu is what they'd give you. They don't give you any overtime. So yeah. Well, I mean, the problem is I've got to actually start logging these things as well, which is another one of my problems I I never do. Yeah. So if I was a bit more disciplined in that regard, I'd probably be able to have a bit more time. Days off here and there. No. Not at the moment. No. No. I'm not going anywhere. No. I think that is it. I don't have anything else to talk about. Yeah. No worries. Yeah. That's the plan. That that was it. See you later. See you next time. 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Dan speaking. Yeah. It's not too bad. You know, again, it could be better.\n\nCould be better. It's nice and cool here. It's a nice day. Yep. Yep.\n\nI'm at home today. So Yep. '83, 42 a Melbourne Avenue, New York time. I would normally be able to do it quite easily. The problem is Western Power has cut off the electricity in the whole area, so I'm gonna have to do it off my phone.\n\nYep. And what's that oh my gosh. It's so many attachments. This is good. This is good.\n\nShip insurance summary. Performance and deposits. Last twelve months. Well, Well, I'm not really. I'm I'm fairly hands off on this sort of stuff.\n\nNot that I can think of. No changes that I can think of. No. Look. Again, I'm I'm I don't know what I'm doing myself.\n\nReally? Pretty much. Yeah. Yeah. I'm just not really planning on doing anything outrageous at the moment.\n\nSo what does that actually involve? Okay. We've got I don't know. I don't I don't think so. Yep.\n\nIs this property a a growth growth, is it? Yeah. Yeah. Okay. That's good.\n\nHow much is the how much is the super providing or the gross. Sorry. In compare in comparison to the yeah. That's interesting. Okay.\n\nYeah. No. I yeah. I'm not sure what the like, again, I I don't really follow all this sort of stuff. Yeah.\n\nYeah. Yeah. Nothing nothing I can think of. The gold is gold is going good, which is interest which is great. I've I I know quite a few people who are interested in in purchasing gold.\n\nYeah. So what's it called? Silver? Silver went downhill. It had a bump, and then it went straight down again, didn't it?\n\nOr Yeah. Well and it's to be to be expected, I guess. Yeah. Yeah. I'll pay for it, Riley.\n\nI don't know. Let me have a quick quiz. Nothing. If I go to This is online. 8401.\n\nLet's see. I can quickly look up and see how much I'm what my pay is, That makes sense. Yes. Yep. Safety standards dealing with tradesmen, the cleaners, the gardener, you know, compliance, that sort of stuff.\n\nFor some reason, the Internet is not working of all the days. I mean, I have my data on my phone connected, but even that's not really running too well. I don't know what's going on. It's quite quite annoying. Yeah.\n\nYeah. Go ahead. Yeah. That that should be fine. Not that I'm aware of that.\n\nNormally, that sort of stuff requires fine. Yeah. Yeah. No. I'm I'm making quite a bit of I'm putting money aside here quite a lot.\n\nI've saved up quite a bit, and I've you know, last month, I've spent quite a bit as well on a whole bunch of things in my house that I'm preparing, a new car, that sort of stuff. No. I I don't have anything wrong on it. Yeah. It would have been would have been at least two or a year or two years ago at least when you when you first started because there was a bit of there was a bit of lag in getting everything up and running with your with your group.\n\nNo. This would be 25 at least. I've got oh, yes. This doesn't wanna work for me. I've got about, I think, 8,000 savings at the moment and about 8,000 cash.\n\nYep. No. No. No loans at all. No.\n\nLook. Everything's a bit all over in up in the air at the moment. So excuse me. Yeah. It's it's all up in the air.\n\nSo yeah. I asked about that, and they said you I like, they said, like, I can't change anything at the moment. Yeah. And I'm like, look. If I leave alone, who do how can I who who can I who can I give this to then?\n\nBecause the guy like, yeah, it has to be someone who's a beneficiary who who you'll what's the term? Someone who lives with you or yeah. And I'm like, like, if I'm if I'm the owner, what do I do then? Like like I mean, if if I was to do anything like that, I'd provide it for my sister. Because folks are my folks are getting a bit on in a year.\n\nSo so, yeah, I found it very odd that I couldn't I couldn't nominate whoever I wanted to. Yeah. To go where? Sorry? Yep.\n\nOkay. Yeah. I guess that's the one thing to do. Yeah. Yep.\n\nYep. A thousand bucks. How often? Sorry? Yeah.\n\nI should be able to get by with it. Yeah. I think that'll be fine. Again, I don't really have much loan expenses. Yeah.\n\nI guess so. Yeah. Nothing that I can think of. No. No.\n\nNothing that I can think of. No. Yeah. Not really. No.\n\nAgain, I'm not too not too sorry with this sort of stuff. I just let it all do its thing. Twelve months is fine, I think. So in terms of yeah. No.\n\nThis is not working. Never mind. Yeah. It just doesn't wanna work for me. I can just quickly check one thing.\n\nLet me have a look. 2771. 2771. So that is after tax. So that's the amount that's going into my account.\n\nSo that's after I've been taxed and and put in. Yes. Two two thousand seven hundred and seventy one. Yeah. Well, that's I'm looking at I'm looking at my what money's gone into my bank account.\n\nThe the program that actually shows me my payslips and all that sort of stuff just does not want to work some for some reason. Yeah. That's the that's the one I've been having issues with. Yeah. No.\n\nI'm I'm pretty sure I'm I'm close to, obviously in the high eighties at the very least. Yeah. Yeah. No. No.\n\nNot not all the department. No. Not really. They do, as I said, pay in lieu, but I spent time in lieu is what they'd give you. They don't give you any overtime.\n\nSo yeah. Well, I mean, the problem is I've got to actually start logging these things as well, which is another one of my problems I I never do. Yeah. So if I was a bit more disciplined in that regard, I'd probably be able to have a bit more time. Days off here and there.\n\nNo. Not at the moment. No. No. I'm not going anywhere.\n\nNo. I think that is it. I don't have anything else to talk about. Yeah. No worries.\n\nYeah. That's the plan. That that was it. See you later. See you next time.\n\nCheers.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.032898060977458954},{"text":"Dan speaking.","start":1.4399999,"end":2.1,"sentiment":"neutral","sentiment_score":0.03528258390724659},{"text":"Yeah.","start":7.6,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.18574291467666623},{"text":"It's not too bad.","start":7.8399997,"end":8.98,"sentiment":"neutral","sentiment_score":0.2702759876847267},{"text":"You know, again, it could be better.","start":12.08,"end":13.599999,"sentiment":"neutral","sentiment_score":0.23224717378616333}],"sentiment":"neutral","sentiment_score":0.19973602071404456,"num_words":15,"start":1.04,"end":13.599999},{"sentences":[{"text":"Could be better.","start":13.599999,"end":14.355,"sentiment":"neutral","sentiment_score":0.284164438645045},{"text":"It's nice and cool here.","start":21.795,"end":23.335,"sentiment":"positive","sentiment_score":0.664524495601654},{"text":"It's a nice day.","start":23.715,"end":24.855,"sentiment":"positive","sentiment_score":0.5830315947532654},{"text":"Yep.","start":30.93,"end":31.43,"sentiment":"neutral","sentiment_score":0.10523813217878342},{"text":"Yep.","start":31.65,"end":31.89,"sentiment":"neutral","sentiment_score":0.13522334396839142}],"sentiment":"positive","sentiment_score":0.4819788320788315,"num_words":14,"start":13.599999,"end":31.89},{"sentences":[{"text":"I'm at home today.","start":31.89,"end":33.25,"sentiment":"neutral","sentiment_score":0.19955818355083466},{"text":"So Yep.","start":33.25,"end":46.265,"sentiment":"neutral","sentiment_score":0.2579300254583359},{"text":"'83, 42 a Melbourne Avenue, New York time.","start":58.9,"end":63.079998,"sentiment":"neutral","sentiment_score":0.023940278217196465},{"text":"I would normally be able to do it quite easily.","start":73.704994,"end":75.945,"sentiment":"neutral","sentiment_score":0.07810888551175595},{"text":"The problem is Western Power has cut off the electricity in the whole area, so I'm gonna have to do it off my phone.","start":75.945,"end":82.125,"sentiment":"negative","sentiment_score":-0.36033850101133186}],"sentiment":"neutral","sentiment_score":-0.13252958663118383,"num_words":48,"start":31.89,"end":82.125},{"sentences":[{"text":"Yep.","start":111.61,"end":112.090004,"sentiment":"neutral","sentiment_score":0.035004280507564545},{"text":"And what's that oh my gosh.","start":112.090004,"end":113.37,"sentiment":"neutral","sentiment_score":-0.026571057736873627},{"text":"It's so many attachments.","start":113.37,"end":114.51,"sentiment":"neutral","sentiment_score":-0.17896850407123566},{"text":"This is good.","start":128.505,"end":129.225,"sentiment":"positive","sentiment_score":0.7806135018666586},{"text":"This is good.","start":129.225,"end":130.025,"sentiment":"positive","sentiment_score":0.7684989968935648}],"sentiment":"neutral","sentiment_score":0.22394361259306178,"num_words":17,"start":111.61,"end":130.025},{"sentences":[{"text":"Ship insurance summary.","start":130.025,"end":131.245,"sentiment":"neutral","sentiment_score":0.278584619363149},{"text":"Performance and deposits.","start":132.025,"end":133.325,"sentiment":"neutral","sentiment_score":0.1551812688509623},{"text":"Last twelve months.","start":135.95,"end":137.01,"sentiment":"neutral","sentiment_score":0.0794563740491867},{"text":"Well, Well, I'm not really.","start":147.55,"end":148.86499,"sentiment":"neutral","sentiment_score":-0.12864637821912767},{"text":"I'm I'm fairly hands off on this sort of stuff.","start":149.00499,"end":151.50499,"sentiment":"neutral","sentiment_score":-0.2770653933286667}],"sentiment":"neutral","sentiment_score":-0.07809245989968379,"num_words":24,"start":130.025,"end":151.50499},{"sentences":[{"text":"Not that I can think of.","start":158.36499,"end":159.745,"sentiment":"neutral","sentiment_score":-0.1267045127848784},{"text":"No changes that I can think of.","start":160.685,"end":162.045,"sentiment":"neutral","sentiment_score":-0.02185149277959551},{"text":"No.","start":162.045,"end":162.54,"sentiment":"neutral","sentiment_score":-0.05343833565711975},{"text":"Look.","start":197.87001,"end":198.37001,"sentiment":"neutral","sentiment_score":-0.057895727455616},{"text":"Again, I'm I'm I don't know what I'm doing myself.","start":198.91,"end":201.49,"sentiment":"neutral","sentiment_score":-0.18523648753762245}],"sentiment":"neutral","sentiment_score":-0.11507545858621597,"num_words":25,"start":158.36499,"end":201.49},{"sentences":[{"text":"Really?","start":202.83,"end":203.33,"sentiment":"neutral","sentiment_score":-0.0941537469625473},{"text":"Pretty much.","start":209.225,"end":209.785,"sentiment":"neutral","sentiment_score":-0.04464836232364178},{"text":"Yeah.","start":209.785,"end":210.285,"sentiment":"neutral","sentiment_score":-0.05392748862504959},{"text":"Yeah.","start":210.505,"end":210.825,"sentiment":"neutral","sentiment_score":-0.09521764516830444},{"text":"I'm just not really planning on doing anything outrageous at the moment.","start":210.825,"end":217.245,"sentiment":"neutral","sentiment_score":-0.2498678850630919}],"sentiment":"neutral","sentiment_score":-0.1959417780094287,"num_words":17,"start":202.83,"end":217.245},{"sentences":[{"text":"So what does that actually involve?","start":225.94,"end":227.48,"sentiment":"neutral","sentiment_score":-0.03349609673023224},{"text":"Okay.","start":238.195,"end":238.695,"sentiment":"neutral","sentiment_score":-0.05258459597826004},{"text":"We've got I don't know.","start":242.995,"end":243.955,"sentiment":"neutral","sentiment_score":-0.15170819759368898},{"text":"I don't I don't think so.","start":243.955,"end":245.28,"sentiment":"neutral","sentiment_score":-0.18310088415940604},{"text":"Yep.","start":255.04,"end":255.54,"sentiment":"positive","sentiment_score":0.4031177461147308}],"sentiment":"neutral","sentiment_score":-0.08987314332472651,"num_words":19,"start":225.94,"end":255.54},{"sentences":[{"text":"Is this property a a growth growth, is it?","start":287.20502,"end":290.745,"sentiment":"neutral","sentiment_score":0.028192443773150444},{"text":"Yeah.","start":303.51,"end":304.01,"sentiment":"neutral","sentiment_score":0.043641097843647},{"text":"Yeah.","start":315.19,"end":315.69,"sentiment":"neutral","sentiment_score":0.040627967566251755},{"text":"Okay.","start":335.15,"end":335.65,"sentiment":"neutral","sentiment_score":0.05624418705701828},{"text":"That's good.","start":336.67,"end":337.49,"sentiment":"neutral","sentiment_score":0.22239680588245392}],"sentiment":"neutral","sentiment_score":0.059931347013584206,"num_words":14,"start":287.20502,"end":337.49},{"sentences":[{"text":"How much is the how much is the super providing or the gross.","start":350.64502,"end":354.64502,"sentiment":"neutral","sentiment_score":0.059294186819058195},{"text":"Sorry.","start":354.64502,"end":355.14502,"sentiment":"neutral","sentiment_score":-0.11576452851295473},{"text":"In compare in comparison to the yeah.","start":355.605,"end":360.42502,"sentiment":"neutral","sentiment_score":-0.06606559987579073},{"text":"That's interesting.","start":366.58,"end":367.4,"sentiment":"neutral","sentiment_score":0.12087961286306383},{"text":"Okay.","start":367.54,"end":368.04,"sentiment":"neutral","sentiment_score":0.07678253203630447}],"sentiment":"neutral","sentiment_score":0.02129760244861245,"num_words":24,"start":350.64502,"end":368.04},{"sentences":[{"text":"Yeah.","start":372.02,"end":372.26,"sentiment":"neutral","sentiment_score":-0.08556213974952698},{"text":"No.","start":372.26,"end":372.46002,"sentiment":"neutral","sentiment_score":-0.1805036962032318},{"text":"I yeah.","start":372.46002,"end":373.06,"sentiment":"neutral","sentiment_score":-0.2469344437122345},{"text":"I'm not sure what the like, again, I I don't really follow all this sort of stuff.","start":373.06,"end":377.08,"sentiment":"neutral","sentiment_score":-0.31585923363180723},{"text":"Yeah.","start":407.595,"end":408.095,"sentiment":"neutral","sentiment_score":0.0599406361579895}],"sentiment":"neutral","sentiment_score":-0.27589095722545276,"num_words":22,"start":372.02,"end":408.095},{"sentences":[{"text":"Yeah.","start":410.23502,"end":410.73502,"sentiment":"neutral","sentiment_score":0.20449703931808472},{"text":"Yeah.","start":459.06998,"end":459.56998,"sentiment":"neutral","sentiment_score":-0.04589568078517914},{"text":"Nothing nothing I can think of.","start":470.785,"end":473.045,"sentiment":"neutral","sentiment_score":-0.1313884158929189},{"text":"The gold is gold is going good, which is interest which is great.","start":473.665,"end":477.345,"sentiment":"neutral","sentiment_score":0.2331369984894991},{"text":"I've I I know quite a few people who are interested in in purchasing gold.","start":477.345,"end":483.26,"sentiment":"neutral","sentiment_score":0.16840851803620657}],"sentiment":"neutral","sentiment_score":0.1368661003911661,"num_words":36,"start":410.23502,"end":483.26},{"sentences":[{"text":"Yeah.","start":499.185,"end":499.685,"sentiment":"neutral","sentiment_score":0.02718605473637581},{"text":"So what's it called?","start":500.305,"end":501.505,"sentiment":"neutral","sentiment_score":-0.024438949301838875},{"text":"Silver?","start":501.505,"end":502.005,"sentiment":"neutral","sentiment_score":-0.08555211126804352},{"text":"Silver went downhill.","start":502.225,"end":503.205,"sentiment":"neutral","sentiment_score":-0.20560121287902197},{"text":"It had a bump, and then it went straight down again, didn't it?","start":503.665,"end":506.305,"sentiment":"neutral","sentiment_score":-0.1222192243887828}],"sentiment":"neutral","sentiment_score":-0.1073534277013757,"num_words":22,"start":499.185,"end":506.305},{"sentences":[{"text":"Or Yeah.","start":506.305,"end":522.405,"sentiment":"neutral","sentiment_score":-0.018852973356842995},{"text":"Well and it's to be to be expected, I guess.","start":522.48505,"end":525.065,"sentiment":"neutral","sentiment_score":-0.03320886585861445},{"text":"Yeah.","start":531.84503,"end":532.34503,"sentiment":"neutral","sentiment_score":-0.00163298100233078},{"text":"Yeah.","start":565.48004,"end":565.98004,"sentiment":"neutral","sentiment_score":-0.005204282701015472},{"text":"I'll pay for it, Riley.","start":585.755,"end":586.895,"sentiment":"neutral","sentiment_score":0.11831503063440323}],"sentiment":"neutral","sentiment_score":0.011312804429938919,"num_words":19,"start":506.305,"end":586.895},{"sentences":[{"text":"I don't know.","start":612.695,"end":614.155,"sentiment":"neutral","sentiment_score":-0.0549895279109478},{"text":"Let me have a quick quiz.","start":616.215,"end":618.135,"sentiment":"neutral","sentiment_score":0.02285538986325264},{"text":"Nothing.","start":618.135,"end":618.635,"sentiment":"neutral","sentiment_score":-0.0003709658049046993},{"text":"If I go to This is online.","start":624.02,"end":641.985,"sentiment":"neutral","sentiment_score":0.006327579729259014},{"text":"8401.","start":644.605,"end":645.725,"sentiment":"neutral","sentiment_score":0.0043662311509251595}],"sentiment":"neutral","sentiment_score":0.001136226605417,"num_words":18,"start":612.695,"end":645.725},{"sentences":[{"text":"Let's see.","start":645.725,"end":646.465,"sentiment":"neutral","sentiment_score":0.0148795903660357},{"text":"I can quickly look up and see how much I'm what my pay is, That makes sense.","start":654.68,"end":666.795,"sentiment":"neutral","sentiment_score":0.02660198257688214},{"text":"Yes.","start":678.74,"end":679.24,"sentiment":"neutral","sentiment_score":0.05489450320601463},{"text":"Yep.","start":688.515,"end":688.755,"sentiment":"neutral","sentiment_score":0.024489887058734897},{"text":"Safety standards dealing with tradesmen, the cleaners, the gardener, you know, compliance, that sort of stuff.","start":688.755,"end":697.815,"sentiment":"neutral","sentiment_score":-0.02050091365526896}],"sentiment":"neutral","sentiment_score":0.006307098819446322,"num_words":37,"start":645.725,"end":697.815},{"sentences":[{"text":"For some reason, the Internet is not working of all the days.","start":697.955,"end":703.31,"sentiment":"neutral","sentiment_score":-0.20764431295295557},{"text":"I mean, I have my data on my phone connected, but even that's not really running too well.","start":718.625,"end":723.34503,"sentiment":"neutral","sentiment_score":-0.29956573992967606},{"text":"I don't know what's going on.","start":723.34503,"end":724.565,"sentiment":"negative","sentiment_score":-0.43820859491825104},{"text":"It's quite quite annoying.","start":725.74506,"end":727.205,"sentiment":"negative","sentiment_score":-0.712785467505455},{"text":"Yeah.","start":737.2,"end":737.52,"sentiment":"neutral","sentiment_score":0.024561431258916855}],"sentiment":"neutral","sentiment_score":-0.32535968493761086,"num_words":41,"start":697.955,"end":737.52},{"sentences":[{"text":"Yeah.","start":737.52,"end":737.68,"sentiment":"neutral","sentiment_score":0.034628864377737045},{"text":"Go ahead.","start":737.68,"end":738.16003,"sentiment":"neutral","sentiment_score":0.052927035838365555},{"text":"Yeah.","start":738.16003,"end":738.48004,"sentiment":"neutral","sentiment_score":0.10476773232221603},{"text":"That that should be fine.","start":738.48004,"end":739.78,"sentiment":"neutral","sentiment_score":0.1941044420003891},{"text":"Not that I'm aware of that.","start":747.68506,"end":749.30505,"sentiment":"neutral","sentiment_score":-0.06854906802376111}],"sentiment":"neutral","sentiment_score":0.053631898015737534,"num_words":15,"start":737.52,"end":749.30505},{"sentences":[{"text":"Normally, that sort of stuff requires fine.","start":749.60504,"end":751.765,"sentiment":"neutral","sentiment_score":0.21126625686883926},{"text":"Yeah.","start":751.765,"end":752.265,"sentiment":"neutral","sentiment_score":0.06356847286224365},{"text":"Yeah.","start":766.13995,"end":766.38,"sentiment":"neutral","sentiment_score":-0.0312020480632782},{"text":"No.","start":766.38,"end":766.62,"sentiment":"neutral","sentiment_score":-0.17861303687095642},{"text":"I'm I'm making quite a bit of I'm putting money aside here quite a lot.","start":766.62,"end":771.75995,"sentiment":"neutral","sentiment_score":-0.14357355286677678}],"sentiment":"neutral","sentiment_score":-0.03283944427967071,"num_words":25,"start":749.60504,"end":771.75995},{"sentences":[{"text":"I've saved up quite a bit, and I've you know, last month, I've spent quite a bit as well on a whole bunch of things in my house that I'm preparing, a new car, that sort of stuff.","start":773.075,"end":784.53,"sentiment":"neutral","sentiment_score":0.13310665019640797},{"text":"No.","start":798.395,"end":798.635,"sentiment":"neutral","sentiment_score":-0.10267914086580276},{"text":"I I don't have anything wrong on it.","start":798.635,"end":800.655,"sentiment":"neutral","sentiment_score":-0.13554368168115616},{"text":"Yeah.","start":804.555,"end":805.055,"sentiment":"neutral","sentiment_score":0.0009087808430194856},{"text":"It would have been would have been at least two or a year or two years ago at least when you when you first started because there was a bit of there was a bit of lag in getting everything up and running with your with your group.","start":806.635,"end":824.23,"sentiment":"neutral","sentiment_score":-0.043938404453607895}],"sentiment":"neutral","sentiment_score":0.0183634320856072,"num_words":96,"start":773.075,"end":824.23},{"sentences":[{"text":"No.","start":830.435,"end":830.935,"sentiment":"neutral","sentiment_score":-0.08216031640768051},{"text":"This would be 25 at least.","start":830.995,"end":833.575,"sentiment":"neutral","sentiment_score":-0.06240749855836233},{"text":"I've got oh, yes.","start":844.61,"end":851.00995,"sentiment":"neutral","sentiment_score":-0.02641917485743761},{"text":"This doesn't wanna work for me.","start":851.00995,"end":852.525,"sentiment":"neutral","sentiment_score":-0.17373018835981688},{"text":"I've got about, I think, 8,000 savings at the moment and about 8,000 cash.","start":858.125,"end":864.30505,"sentiment":"neutral","sentiment_score":0.040054823005838056}],"sentiment":"neutral","sentiment_score":-0.03367405210531527,"num_words":31,"start":830.435,"end":864.30505},{"sentences":[{"text":"Yep.","start":868.04504,"end":868.5,"sentiment":"neutral","sentiment_score":0.12604469060897827},{"text":"No.","start":877.46,"end":877.96,"sentiment":"neutral","sentiment_score":0.0244413148611784},{"text":"No.","start":885.195,"end":885.355,"sentiment":"neutral","sentiment_score":-0.07403235137462616},{"text":"No loans at all.","start":885.355,"end":886.57495,"sentiment":"neutral","sentiment_score":-0.07721452042460442},{"text":"No.","start":892.71497,"end":893.21497,"sentiment":"neutral","sentiment_score":-0.06492599844932556}],"sentiment":"neutral","sentiment_score":-0.03716630325652659,"num_words":8,"start":868.04504,"end":893.21497},{"sentences":[{"text":"Look.","start":908.685,"end":908.925,"sentiment":"neutral","sentiment_score":-0.04588349908590317},{"text":"Everything's a bit all over in up in the air at the moment.","start":908.925,"end":912.285,"sentiment":"neutral","sentiment_score":-0.11968999241407101},{"text":"So excuse me.","start":912.285,"end":917.665,"sentiment":"neutral","sentiment_score":-0.023598463584979374},{"text":"Yeah.","start":918.925,"end":919.425,"sentiment":"neutral","sentiment_score":0.22671808302402496},{"text":"It's it's all up in the air.","start":919.485,"end":921.005,"sentiment":"neutral","sentiment_score":0.24899479959692275}],"sentiment":"neutral","sentiment_score":0.011881315559148788,"num_words":25,"start":908.685,"end":921.005},{"sentences":[{"text":"So yeah.","start":921.005,"end":932.62,"sentiment":"neutral","sentiment_score":0.013601366430521011},{"text":"I asked about that, and they said you I like, they said, like, I can't change anything at the moment.","start":932.62,"end":941.575,"sentiment":"neutral","sentiment_score":-0.2168377500027418},{"text":"Yeah.","start":946.275,"end":946.67505,"sentiment":"neutral","sentiment_score":-0.053834058344364166},{"text":"And I'm like, look.","start":946.67505,"end":947.555,"sentiment":"neutral","sentiment_score":-0.06371658109128475},{"text":"If I leave alone, who do how can I who who can I who can I give this to then?","start":947.555,"end":952.775,"sentiment":"neutral","sentiment_score":-0.09139821641147136}],"sentiment":"neutral","sentiment_score":-0.13715355272622817,"num_words":47,"start":921.005,"end":952.775},{"sentences":[{"text":"Because the guy like, yeah, it has to be someone who's a beneficiary who who you'll what's the term?","start":953.07,"end":958.05,"sentiment":"neutral","sentiment_score":-0.042125929833242766},{"text":"Someone who lives with you or yeah.","start":959.31,"end":961.39,"sentiment":"neutral","sentiment_score":-0.017200018279254436},{"text":"And I'm like, like, if I'm if I'm the owner, what do I do then?","start":961.39,"end":963.95,"sentiment":"neutral","sentiment_score":-0.060051937401294705},{"text":"Like like I mean, if if I was to do anything like that, I'd provide it for my sister.","start":963.95,"end":974.815,"sentiment":"neutral","sentiment_score":-0.014195801200051057},{"text":"Because folks are my folks are getting a bit on in a year.","start":977.83496,"end":981.38,"sentiment":"neutral","sentiment_score":0.00849644667827166}],"sentiment":"neutral","sentiment_score":-0.02713477084642812,"num_words":73,"start":953.07,"end":981.38},{"sentences":[{"text":"So so, yeah, I found it very odd that I couldn't I couldn't nominate whoever I wanted to.","start":981.76,"end":990.98,"sentiment":"neutral","sentiment_score":-0.13895470017774236},{"text":"Yeah.","start":1030.2949,"end":1030.7949,"sentiment":"neutral","sentiment_score":0.043788738548755646},{"text":"To go where?","start":1042.82,"end":1043.7,"sentiment":"neutral","sentiment_score":-0.060480126490195595},{"text":"Sorry?","start":1043.7,"end":1044.2,"sentiment":"neutral","sentiment_score":-0.04086792469024658},{"text":"Yep.","start":1048.1799,"end":1048.6799,"sentiment":"neutral","sentiment_score":0.07696207612752914}],"sentiment":"neutral","sentiment_score":-0.10844758719516297,"num_words":24,"start":981.76,"end":1048.6799},{"sentences":[{"text":"Okay.","start":1059.115,"end":1059.615,"sentiment":"neutral","sentiment_score":0.07401449233293533},{"text":"Yeah.","start":1059.995,"end":1060.155,"sentiment":"neutral","sentiment_score":0.07207868993282318},{"text":"I guess that's the one thing to do.","start":1060.155,"end":1062.015,"sentiment":"neutral","sentiment_score":0.08041152358055115},{"text":"Yeah.","start":1072.61,"end":1073.11,"sentiment":"neutral","sentiment_score":0.13177695870399475},{"text":"Yep.","start":1078.385,"end":1078.885,"sentiment":"neutral","sentiment_score":0.26229235529899597}],"sentiment":"neutral","sentiment_score":0.0986212237427632,"num_words":12,"start":1059.115,"end":1078.885},{"sentences":[{"text":"Yep.","start":1092.77,"end":1093.27,"sentiment":"neutral","sentiment_score":0.14173895120620728},{"text":"A thousand bucks.","start":1125.22,"end":1126.02,"sentiment":"neutral","sentiment_score":-0.016298330078522365},{"text":"How often?","start":1126.02,"end":1126.5,"sentiment":"neutral","sentiment_score":-0.044217370450496674},{"text":"Sorry?","start":1126.5,"end":1127.0,"sentiment":"neutral","sentiment_score":-0.0995531678199768},{"text":"Yeah.","start":1134.115,"end":1134.435,"sentiment":"neutral","sentiment_score":0.11898420751094818}],"sentiment":"neutral","sentiment_score":0.0029800324700772762,"num_words":8,"start":1092.77,"end":1134.435},{"sentences":[{"text":"I should be able to get by with it.","start":1134.435,"end":1136.135,"sentiment":"neutral","sentiment_score":0.15833476020230186},{"text":"Yeah.","start":1150.96,"end":1151.2,"sentiment":"neutral","sentiment_score":0.24043431878089905},{"text":"I think that'll be fine.","start":1151.2,"end":1152.42,"sentiment":"positive","sentiment_score":0.3667385756969452},{"text":"Again, I don't really have much loan expenses.","start":1153.28,"end":1155.3,"sentiment":"neutral","sentiment_score":0.059521161019802094},{"text":"Yeah.","start":1175.18,"end":1175.68,"sentiment":"neutral","sentiment_score":0.10591760277748108}],"sentiment":"neutral","sentiment_score":0.17005112208426,"num_words":24,"start":1134.435,"end":1175.68},{"sentences":[{"text":"I guess so.","start":1211.95,"end":1212.9299,"sentiment":"neutral","sentiment_score":0.09363184124231339},{"text":"Yeah.","start":1239.25,"end":1239.615,"sentiment":"neutral","sentiment_score":0.08728262782096863},{"text":"Nothing that I can think of.","start":1252.67,"end":1258.53,"sentiment":"neutral","sentiment_score":0.03291820486386617},{"text":"No.","start":1260.39,"end":1260.89,"sentiment":"neutral","sentiment_score":-0.03287491947412491},{"text":"No.","start":1262.75,"end":1262.91,"sentiment":"neutral","sentiment_score":-0.09600180387496948}],"sentiment":"neutral","sentiment_score":0.03640088811516762,"num_words":12,"start":1211.95,"end":1262.91},{"sentences":[{"text":"Nothing that I can think of.","start":1262.91,"end":1264.11,"sentiment":"neutral","sentiment_score":-0.1092360441883405},{"text":"No.","start":1264.11,"end":1264.515,"sentiment":"neutral","sentiment_score":-0.08506982028484344},{"text":"Yeah.","start":1297.615,"end":1298.115,"sentiment":"neutral","sentiment_score":0.09660308063030244},{"text":"Not really.","start":1305.215,"end":1305.855,"sentiment":"neutral","sentiment_score":-0.09428292512893677},{"text":"No.","start":1305.855,"end":1306.355,"sentiment":"neutral","sentiment_score":-0.09282051026821136}],"sentiment":"neutral","sentiment_score":-0.08411539684642445,"num_words":11,"start":1262.91,"end":1306.355},{"sentences":[{"text":"Again, I'm not too not too sorry with this sort of stuff.","start":1306.63,"end":1310.47,"sentiment":"neutral","sentiment_score":-0.16826905434330305},{"text":"I just let it all do its thing.","start":1310.47,"end":1312.97,"sentiment":"neutral","sentiment_score":0.1790369637310505},{"text":"Twelve months is fine, I think.","start":1330.295,"end":1331.79,"sentiment":"neutral","sentiment_score":0.3274739384651184},{"text":"So in terms of yeah.","start":1383.565,"end":1388.9249,"sentiment":"neutral","sentiment_score":0.010443953052163123},{"text":"No.","start":1388.9249,"end":1389.1649,"sentiment":"neutral","sentiment_score":-0.31510013341903687}],"sentiment":"neutral","sentiment_score":0.03484469751128927,"num_words":32,"start":1306.63,"end":1389.1649},{"sentences":[{"text":"This is not working.","start":1389.1649,"end":1390.1449,"sentiment":"negative","sentiment_score":-0.5474531203508377},{"text":"Never mind.","start":1390.2849,"end":1391.105,"sentiment":"negative","sentiment_score":-0.35423198342323303},{"text":"Yeah.","start":1394.4199,"end":1394.9199,"sentiment":"neutral","sentiment_score":-0.2220751047134399},{"text":"It just doesn't wanna work for me.","start":1394.98,"end":1396.7599,"sentiment":"negative","sentiment_score":-0.34862818462508066},{"text":"I can just quickly check one thing.","start":1414.205,"end":1416.465,"sentiment":"neutral","sentiment_score":0.05354228402887072}],"sentiment":"neutral","sentiment_score":-0.24695013605412983,"num_words":21,"start":1389.1649,"end":1416.465},{"sentences":[{"text":"Let me have a look.","start":1420.98,"end":1425.16,"sentiment":"neutral","sentiment_score":0.03674763031303883},{"text":"2771.","start":1432.98,"end":1434.6,"sentiment":"neutral","sentiment_score":0.00976233184337616},{"text":"2771.","start":1434.66,"end":1436.955,"sentiment":"neutral","sentiment_score":0.00896478071808815},{"text":"So that is after tax.","start":1437.355,"end":1442.735,"sentiment":"neutral","sentiment_score":0.01401511486619711},{"text":"So that's the amount that's going into my account.","start":1451.12,"end":1453.46,"sentiment":"neutral","sentiment_score":0.05355247110128403}],"sentiment":"neutral","sentiment_score":0.03592919420805715,"num_words":21,"start":1420.98,"end":1453.46},{"sentences":[{"text":"So that's after I've been taxed and and put in.","start":1453.76,"end":1456.58,"sentiment":"neutral","sentiment_score":0.007994595170021056},{"text":"Yes.","start":1460.32,"end":1460.82,"sentiment":"neutral","sentiment_score":-0.05478008836507797},{"text":"Two two thousand seven hundred and seventy one.","start":1465.975,"end":1468.7949,"sentiment":"neutral","sentiment_score":0.009107915975619107},{"text":"Yeah.","start":1473.335,"end":1473.835,"sentiment":"neutral","sentiment_score":0.06146552413702011},{"text":"Well, that's I'm looking at I'm looking at my what money's gone into my bank account.","start":1522.735,"end":1526.995,"sentiment":"neutral","sentiment_score":-0.16124760545790195}],"sentiment":"neutral","sentiment_score":-0.06723519366803682,"num_words":36,"start":1453.76,"end":1526.995},{"sentences":[{"text":"The the program that actually shows me my payslips and all that sort of stuff just does not want to work some for some reason.","start":1527.535,"end":1535.34,"sentiment":"neutral","sentiment_score":-0.3062405639886856},{"text":"Yeah.","start":1536.12,"end":1536.36,"sentiment":"neutral","sentiment_score":-0.012082304805517197},{"text":"That's the that's the one I've been having issues with.","start":1536.36,"end":1538.62,"sentiment":"neutral","sentiment_score":-0.13177009001374246},{"text":"Yeah.","start":1560.365,"end":1560.865,"sentiment":"neutral","sentiment_score":0.07132333517074585},{"text":"No.","start":1561.485,"end":1561.725,"sentiment":"neutral","sentiment_score":-0.0012628398835659027}],"sentiment":"neutral","sentiment_score":-0.23462465287823425,"num_words":38,"start":1527.535,"end":1561.725},{"sentences":[{"text":"I'm I'm pretty sure I'm I'm close to, obviously in the high eighties at the very least.","start":1561.725,"end":1565.97,"sentiment":"neutral","sentiment_score":0.021894249078982016},{"text":"Yeah.","start":1574.35,"end":1574.85,"sentiment":"neutral","sentiment_score":-0.03054126165807247},{"text":"Yeah.","start":1589.0349,"end":1589.5349,"sentiment":"neutral","sentiment_score":0.04664774611592293},{"text":"No.","start":1597.5901,"end":1598.0901,"sentiment":"neutral","sentiment_score":-0.25774988532066345},{"text":"No.","start":1598.39,"end":1598.63,"sentiment":"neutral","sentiment_score":-0.25614914298057556}],"sentiment":"neutral","sentiment_score":-0.005980490928604489,"num_words":21,"start":1561.725,"end":1598.63},{"sentences":[{"text":"Not not all the department.","start":1598.63,"end":1599.8501,"sentiment":"neutral","sentiment_score":-0.2595041811466217},{"text":"No.","start":1599.99,"end":1600.49,"sentiment":"neutral","sentiment_score":-0.17772679030895233},{"text":"Not really.","start":1603.75,"end":1604.49,"sentiment":"neutral","sentiment_score":-0.19851860404014587},{"text":"They do, as I said, pay in lieu, but I spent time in lieu is what they'd give you.","start":1606.0049,"end":1610.4049,"sentiment":"neutral","sentiment_score":-0.015028648446068951},{"text":"They don't give you any overtime.","start":1610.4049,"end":1611.705,"sentiment":"neutral","sentiment_score":-0.08606871341665585}],"sentiment":"neutral","sentiment_score":-0.08103762136659387,"num_words":33,"start":1598.63,"end":1611.705},{"sentences":[{"text":"So yeah.","start":1616.085,"end":1620.34,"sentiment":"neutral","sentiment_score":-0.020720730535686016},{"text":"Well, I mean, the problem is I've got to actually start logging these things as well, which is another one of my problems I I never do.","start":1620.34,"end":1627.48,"sentiment":"neutral","sentiment_score":-0.3100271191861894},{"text":"Yeah.","start":1632.5,"end":1633.0,"sentiment":"neutral","sentiment_score":0.09884071350097656},{"text":"So if I was a bit more disciplined in that regard, I'd probably be able to have a bit more time.","start":1633.14,"end":1638.3551,"sentiment":"neutral","sentiment_score":0.15160233172632398},{"text":"Days off here and there.","start":1638.9751,"end":1640.275,"sentiment":"neutral","sentiment_score":0.08081292659044266}],"sentiment":"neutral","sentiment_score":-0.08438606011415166,"num_words":56,"start":1616.085,"end":1640.275},{"sentences":[{"text":"No.","start":1647.535,"end":1647.775,"sentiment":"neutral","sentiment_score":-0.0971640944480896},{"text":"Not at the moment.","start":1647.775,"end":1648.5751,"sentiment":"neutral","sentiment_score":-0.13837141171097755},{"text":"No.","start":1648.5751,"end":1648.89,"sentiment":"neutral","sentiment_score":-0.1413777470588684},{"text":"No.","start":1654.73,"end":1654.89,"sentiment":"neutral","sentiment_score":-0.09829425811767578},{"text":"I'm not going anywhere.","start":1654.89,"end":1655.87,"sentiment":"neutral","sentiment_score":-0.12559088319540024}],"sentiment":"neutral","sentiment_score":-0.1266077526591041,"num_words":11,"start":1647.535,"end":1655.87},{"sentences":[{"text":"No.","start":1667.115,"end":1667.4349,"sentiment":"neutral","sentiment_score":-0.11642508953809738},{"text":"I think that is it.","start":1667.4349,"end":1668.235,"sentiment":"neutral","sentiment_score":-0.1539568156003952},{"text":"I don't have anything else to talk about.","start":1668.235,"end":1670.4149,"sentiment":"neutral","sentiment_score":-0.12894480116665363},{"text":"Yeah.","start":1703.305,"end":1703.805,"sentiment":"neutral","sentiment_score":0.19447126984596252},{"text":"No worries.","start":1709.51,"end":1710.25,"sentiment":"neutral","sentiment_score":0.2512163668870926}],"sentiment":"neutral","sentiment_score":-0.0718155043090091,"num_words":17,"start":1667.115,"end":1710.25},{"sentences":[{"text":"Yeah.","start":1727.505,"end":1728.005,"sentiment":"positive","sentiment_score":0.6240754127502441},{"text":"That's the plan.","start":1729.265,"end":1730.325,"sentiment":"positive","sentiment_score":0.7122657696406046},{"text":"That that was it.","start":1733.62,"end":1734.76,"sentiment":"neutral","sentiment_score":0.27929648384451866},{"text":"See you later.","start":1738.4199,"end":1739.2999,"sentiment":"neutral","sentiment_score":0.2767925014098485},{"text":"See you next time.","start":1739.2999,"end":1740.2799,"sentiment":"neutral","sentiment_score":0.252092145383358}],"sentiment":"positive","sentiment_score":0.38112031618754066,"num_words":15,"start":1727.505,"end":1740.2799},{"sentences":[{"text":"Cheers.","start":1741.86,"end":1742.36,"sentiment":"neutral","sentiment_score":-0.1134428158402443}],"sentiment":"neutral","sentiment_score":-0.1134428158402443,"num_words":1,"start":1741.86,"end":1742.36}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Dan speaking.\n\nChannel 0: Good morning, sir. It's Tommy here from Oakview Financial, one of the senior advisers. How are you going?\n\nChannel 1: Yeah. It's not too bad.\n\nChannel 0: Living the dream?\n\nChannel 1: You know, again, it could be better. Could be better.\n\nChannel 0: Could be better. Could be enjoying the sunny Queensland weather. How's it in WA?\n\nChannel 1: It's nice and cool here. It's a nice day.\n\nChannel 0: Great to hear. Great to hear, mate. I'm just giving you a call to go through your annual review if you still still have time for me.\n\nChannel 1: Yep. Yep. I'm at home today. So\n\nChannel 0: Perfect. Now, mate, I'm gonna send through an annual review pack to your email. Just before I do that, just gonna do a quick security check with you, if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Now all the calls are recorded for training and quality purposes. I'm registered with ASIC as adviser one two seven three one zero five. Could you please confirm your date of birth and address then?\n\nChannel 1: '83, 42 a Melbourne Avenue, New York time.\n\nChannel 0: Sensational. Now I'm popping this through to your Yahoo email address. Will you be able to look onto this with me today, or should I just walk you through the documents?\n\nChannel 1: I would normally be able to do it quite easily. The problem is Western Power has cut off the electricity in the whole area, so I'm gonna have to do it off my phone.\n\nChannel 0: That's okay. I've got everything up in front of me, and I just want you to have a bit of time to read through it before you sign anything. It'll include a number of attachments like your performance reports, certificates for your insurances, updated financial services guide, and service agreement with us. So there's a few little attachments there. And then it's through our new system, so it's actually going to come through from Odoo, and there'll be, like, a digital authorization there as well, similar to a DocuSign.\n\nChannel 1: Yep. And what's that oh my gosh. It's so many attachments.\n\nChannel 0: No. That's fine. Mate, the only one I really want you to pull up initially, if you can, is your hub twenty four performance report.\n\nChannel 1: This is good. This is good. Ship insurance summary. Performance and deposits.\n\nChannel 0: Yes. That's the one.\n\nChannel 1: Last twelve months.\n\nChannel 0: That's the one. Yep. Now is there anything in particular you're hoping to get out of this year's review?\n\nChannel 1: Well, Well, I'm not really. I'm I'm fairly hands off on this sort of stuff.\n\nChannel 0: Yep. So just a bit of a general update, make sure there's nothing we need to change, things like that.\n\nChannel 1: Not that I can think of. No changes\n\nChannel 0: Cool.\n\nChannel 1: that I can think of. No.\n\nChannel 0: Alrighty. Now I'm just gonna go through Hub first, and then I'm gonna go and confirm some of the details we've got on file just to make sure the new system is accurate, and then I'll just finish off with the insurances and estate planning. Just quickly touching base on your goals, mate. We had you with a bit of a retirement goal, age 65, obviously focusing on growing the super, but there was a few more personal goals about getting some investment properties and having them supplement your your retirement, your wealth creation. Is that still the main focus for you at the moment?\n\nChannel 1: Look. Again, I'm I'm I don't know what I'm doing myself. Really?\n\nChannel 0: Yep. Looking for a bit of direction or on a bit of a holding pattern for a little while.\n\nChannel 1: Pretty much. Yeah. Yeah. I'm just not really planning on doing anything outrageous at the moment.\n\nChannel 0: Yep. Yep. K. Do you want me to put any of those kind of on hold, or is that something you still wanna keep there for the next, say, three to five years?\n\nChannel 1: So what does that actually involve?\n\nChannel 0: So really just tracking down alongside the super, how you're going towards purchasing properties and things like that if you still wanna actively accumulate those over\n\nChannel 1: Okay.\n\nChannel 0: the next few years.\n\nChannel 1: We've got I don't know. I don't I don't think so.\n\nChannel 0: Yep. K. I can sort of chop them off for the time being, and we can just focus on the super side. And if anything else pops up, we can always touch base on that next year as well.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Now one of the things with the super so I'll give you a quick rundown from what I can see. So we had all of your super sort of finished off consolidating around this time last year. You were sitting at about $136. You're sitting at $156.04 $4.09 at the moment.\n\nNow do you remember that you're in kind of like a a growth portfolio, sort of four out of five on the risk scale, mostly in growth assets like shares and property. Does that ring a bell?\n\nChannel 1: Is this property a a growth growth, is it?\n\nChannel 0: Not necessarily property, but just with your super. We've got, I guess, property shares and gold, I would call growth assets, high risk, high return, as opposed to, like, a savings account or a term deposit.\n\nChannel 1: Yeah.\n\nChannel 0: K? So you're still, I guess, mostly focused on growing the super as much as you can, but you're not high risk. That'd be like a high growth.\n\nChannel 1: Yeah.\n\nChannel 0: K? As far as the returns go, I mean, the market's kind of had a bit of a tank over Christmas time with what happens in Iran and the fuel crisis, but you're still up just shy of 10% after fees, which is kind of above the benchmark for your risk level that we're aiming for.\n\nChannel 1: Okay.\n\nChannel 0: K.\n\nChannel 1: That's\n\nChannel 0: So\n\nChannel 1: good.\n\nChannel 0: was expecting to give you a call and say, hey, mate. You're you're a little bit in the negative, but you're still up, again, $20 for the year, including, I guess, contributions in the growth of the super. So\n\nChannel 1: How much is the how much is the super providing or the gross. Sorry. In compare in comparison to the\n\nChannel 0: it's contributions.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. Yep. So it's about $10.11 grand of contributions and about $15 worth of growth.\n\nChannel 1: That's interesting. Okay.\n\nChannel 0: Cool. And why do you say interesting, like, good or not\n\nChannel 1: Yeah.\n\nChannel 0: what you\n\nChannel 1: No.\n\nChannel 0: expected?\n\nChannel 1: I yeah. I'm not sure what the like, again, I I don't really follow all this sort of stuff.\n\nChannel 0: Yeah. Well, one of the things I can kind of, I guess, give you a bit of a tip on is that now that you're sitting at well over $150, we are expecting that in the years where the super goes up and the stock market goes up, that you're getting more growth than your contributions, which is not what you would have been experiencing for the first, say, ten, fifteen years of super. You would have had more going in from work than it was growing because it's all percentage returns. You know? 10% of 150 is a lot, lot more than when you had $30 in there.\n\nChannel 1: Yeah.\n\nChannel 0: Makes sense?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. There's a couple of things in there. That performance report, the first page lists all of your different investment options. Second page is your total portfolio all in one line. Most everything has grown pretty damn well.\n\nYou've fortunately had a bit of investment in battery tech, which is like your electric vehicles, which is kind of going off this year. 98% return there, which is sensational. Gold's up 26. Shares are up fourteen and eleven. So that's all looking good.\n\nYou did have one out of the eight options dip into the negative there, which is your Australian shares. So I've got to keep a bit of an eye on that one because one out of seven having a bit of a dip, not too bad, still overall doing really good. But if that continues for any period of time, I may need to switch that option out.\n\nChannel 1: Yeah.\n\nChannel 0: K? Now because it's above benchmark, I don't feel like we need to go and overhaul your investments right now unless there's any major concerns on your end, Dean.\n\nChannel 1: Nothing nothing I can think of.\n\nChannel 0: K.\n\nChannel 1: The gold\n\nChannel 0: What I would\n\nChannel 1: is gold is going good, which is interest which is great. I've I I know quite a few people who are interested in in purchasing gold.\n\nChannel 0: Yeah. It had a really stellar year last year, and it's one of those things we're adding a bit of those. We call them an alternative asset because it's not a share or a property. And just having that extra little diversification really paid off pretty damn well.\n\nChannel 1: Yeah. So\n\nChannel 0: Yeah.\n\nChannel 1: what's it called? Silver? Silver went downhill. It had a bump, and then it went straight down again, didn't it? Or\n\nChannel 0: Yeah. That's right. Both gold and silver had a huge jump up to Christmas, and then all of a sudden January, February hit, and they had a bit of a tumble. And that's pretty I mean, once you go up a 160%, it drops 40. Most people are still up a 100%.\n\nSo it's been\n\nChannel 1: Yeah.\n\nChannel 0: a pretty crazy\n\nChannel 1: Well and it's\n\nChannel 0: twelve\n\nChannel 1: to\n\nChannel 0: months.\n\nChannel 1: be to be expected, I guess.\n\nChannel 0: Yeah. And that's why we don't put everything into one kind of asset. That's why we use buzzwords like diversification because you don't want\n\nChannel 1: Yeah.\n\nChannel 0: your super jumping up and down 80% a single year. Wanna spread it around a little bit and get a bit more guarantee of where you're going. Now the only other two things to note, mate, was cybersecurity and property. Tiny little negatives about 5% there. That's mostly just, I guess, cyclical is what I would say.\n\nEverything going on with AI at the moment, you'd expect cybersecurity to kind of jump up next year, and property kinda does what it does based on what happens in the news, federal budgets, things like that.\n\nChannel 1: Yeah.\n\nChannel 0: So nothing too concerning there. Just swinging over to the contributions because I'm kind of looking at what's coming in from work. They're paying in fortnightly, and they're about to change after the financial year that the employers paying in in line with your pay cycle. Are you paid weekly or fortnightly?\n\nChannel 1: I'll pay for it, Riley.\n\nChannel 0: Fortnightly. Cool. So they've already done it ahead of time, which is good. That means more invested, more regularly, smooth things out a little bit, which is good for you. But based on the contribution rate I'm seeing, if it if they're just paying a standard 12% into your super, it looks like your income's jumped up to about 92 and a half grand from the $80 that we previously had unless they're paying you a higher percentage.\n\nHave you had a bit of a pay rise? Or\n\nChannel 1: I don't know.\n\nChannel 0: k.\n\nChannel 1: Let me have a quick quiz. Nothing. If I go to This is online. 8401. Let's see.\n\nI can quickly look up and see how much I'm what my pay is, That\n\nChannel 0: Yeah.\n\nChannel 1: makes\n\nChannel 0: Even if it's just like a fortnightly gross pay or even the year to date, I can kinda just double check that\n\nChannel 1: sense.\n\nChannel 0: it's getting close to the 90 mark rather than the 80 mark. That'd be good just to cross reference with you. Are you still doing facilities coordinator for the department of education?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Okay. So no changes there. Still mainly computer work and things like that and checking safety standards.\n\nChannel 1: Yep. Safety standards\n\nChannel 0: Yep.\n\nChannel 1: dealing with tradesmen, the cleaners, the gardener,\n\nChannel 0: Yeah.\n\nChannel 1: you know, compliance, that sort of stuff. For some reason, the Internet is not working\n\nChannel 0: That's\n\nChannel 1: of all\n\nChannel 0: alright,\n\nChannel 1: the days.\n\nChannel 0: man. Please. Again, with the the power and everything, probably not your not your morning so far, but I can kind of work back and use that if you're comfortable.\n\nChannel 1: I mean, I have my data on my phone connected, but even that's not really running too well. I don't know what's going on. It's quite quite annoying.\n\nChannel 0: That's alright. Do you mind if I kind of put it down there as a a tentative income of about 92 and a half unless you've got an idea of what the tax return is looking like?\n\nChannel 1: Yeah. Yeah. Go ahead. Yeah. That that should be fine.\n\nChannel 0: Cool. You're not aware of them paying you, like, a higher percentage of super or anything like that? Any new EBAs or agreements at work?\n\nChannel 1: Not that I'm aware of that.\n\nChannel 0: That's\n\nChannel 1: Normally,\n\nChannel 0: fantastic.\n\nChannel 1: that sort of stuff requires fine. Yeah.\n\nChannel 0: Oh, that's fair enough. But how are you going cash flow wise? Are you still able to put a put aside 600 to a week, 1,200 a fortnight into savings, or is that kind of stalled at the moment?\n\nChannel 1: Yeah. No. I'm I'm making quite a bit of I'm putting money aside here quite a lot. I've saved up quite a bit, and I've you know, last month, I've spent quite a bit as well on a whole bunch of things in my house that I'm preparing, a new car, that sort of stuff.\n\nChannel 0: Yeah. One of the things I wanted to check with you is because of that savings rate, last time we checked, I think you had, like, a home value that's about 620,000, but you didn't really have much owing on it. Have you kind of cleared off the mortgage now, or is it still\n\nChannel 1: No. I I don't have anything wrong on it.\n\nChannel 0: yeah. That's right. So I think it was, like, $2 last check possibly a year\n\nChannel 1: Yeah.\n\nChannel 0: ago or earlier. So\n\nChannel 1: It would\n\nChannel 0: debt\n\nChannel 1: have been\n\nChannel 0: free on the\n\nChannel 1: would\n\nChannel 0: mortgage.\n\nChannel 1: have been at least two or a year or two years ago at least\n\nChannel 0: Yeah.\n\nChannel 1: when you when you first started because there was a bit of\n\nChannel 0: Yeah.\n\nChannel 1: there was a bit of lag in getting everything up and running with your with your group.\n\nChannel 0: And I'm assuming the new car you bought is not valued at $10 like the old one?\n\nChannel 1: No. This would be 25 at least.\n\nChannel 0: Not bad at all. And if you don't mind me asking, just a rough estimate in savings if you've got a rainy day fund or anything like that.\n\nChannel 1: I've got oh, yes. This doesn't wanna work for me. I've got about, I think, 8,000 savings at the moment and about 8,000 cash.\n\nChannel 0: 8,008 thousand, was it?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. Pop that in. And no crypto or shares or anything scrolled under the mattress there?\n\nChannel 1: No.\n\nChannel 0: Fantastic. Alright. Last two questions, mate. Liabilities and your loans?\n\nChannel 1: No. No loans at all.\n\nChannel 0: K. You're not a member of any foreign tax residency or anything like that?\n\nChannel 1: No.\n\nChannel 0: Just another sort of new check we've got to do just quickly. And relationship status, I did know that you were trying to do some updates on your beneficiaries, and we still had you married possibly in separation. How's that all going?\n\nChannel 1: Look. Everything's a bit all over in up in the air at the moment. So\n\nChannel 0: Yep. So still on the holding pattern a little bit.\n\nChannel 1: excuse me. Yeah.\n\nChannel 0: Bless\n\nChannel 1: It's\n\nChannel 0: you.\n\nChannel 1: it's all up in the air. So\n\nChannel 0: K. Do you want me to send any sort of refresh forms to change the nominations for who the super and life insurance go to? Because I know you were looking to do that previously.\n\nChannel 1: yeah. I asked about that, and they said you I like, they said, like, I can't change anything at the moment.\n\nChannel 0: Oh, in terms of who's a valid nomination or something like that.\n\nChannel 1: Yeah. And I'm like, look. If I leave alone, who do how can I who who can I who can I give this to then? Because the guy like, yeah, it has to be someone who's a beneficiary who who you'll what's the term?\n\nChannel 0: Financial\n\nChannel 1: Someone\n\nChannel 0: independent.\n\nChannel 1: who lives with\n\nChannel 0: Yeah.\n\nChannel 1: you or yeah. And I'm like, like, if I'm if I'm the owner, what do I do then? Like\n\nChannel 0: Is there someone in particular that you would prefer to go to outside of living with your financial dependent?\n\nChannel 1: like I mean,\n\nChannel 0: Sibling,\n\nChannel 1: if if\n\nChannel 0: parent?\n\nChannel 1: I was to do anything like that, I'd provide it for my sister.\n\nChannel 0: Yep.\n\nChannel 1: Because folks are my folks are getting a bit on in a year. So\n\nChannel 0: Well,\n\nChannel 1: so, yeah,\n\nChannel 0: there is\n\nChannel 1: I\n\nChannel 0: one\n\nChannel 1: found it\n\nChannel 0: thing\n\nChannel 1: very\n\nChannel 0: you\n\nChannel 1: odd that\n\nChannel 0: can\n\nChannel 1: I couldn't\n\nChannel 0: do.\n\nChannel 1: I couldn't nominate whoever I wanted to.\n\nChannel 0: Yeah. The the beneficiary laws are a little bit strange like that. It's gonna be dependency and things like that. But I do have some sort of good news for you. Your life insurance can essentially go to anybody.\n\nThat one's easy. So if you want to nominate your soup your sister for the life insurance, you can do that. And then when it comes to the super, if you nominate your estate, it goes in line with all your other assets, cars, shoes, house, bank savings, and things like that. And in a will, if you put one of those in place, you can say, hey. It goes to sister or whoever.\n\nChannel 1: Yeah.\n\nChannel 0: So do you want me to kind of get at least the life insurance switched over to her and kind of fix up the super one to go to your name?\n\nChannel 1: To go where? Sorry?\n\nChannel 0: So if you put it to your name, which is your estate, then if you put\n\nChannel 1: Yep.\n\nChannel 0: in place a will, you can be a bit more specific in where it goes.\n\nChannel 1: Okay. Yeah. I guess that's the one thing to do.\n\nChannel 0: Yep. Cool. Otherwise, because it's binding the other way, it's literally direct. If you pass away tomorrow, it would all just go straight to that one person with basically\n\nChannel 1: Yeah.\n\nChannel 0: no questions asked. K. Mate,\n\nChannel 1: Yep.\n\nChannel 0: I'll put a bit of a note on, and the team can guide you through that pretty easily. The last thing I wanted to just chat to you about is your Zurich policy. Do you remember you've got, like, life insurance income protection, all that kind of thing?\n\nChannel 1: Yep.\n\nChannel 0: So just double checking this is still all good because the prices haven't really jumped up much. It's gonna get very expensive towards the late forties, early fifties, but we've got 4,816 a month worth of income protection, which is how much you'd get paid after ninety days up to the age of 65. So let's say you get about more thousand bucks in hand after tax. Would that get you buy bills wise?\n\nChannel 1: A thousand bucks. How often? Sorry?\n\nChannel 0: Let's say $2 a fortnight in hand if you're injured for six months.\n\nChannel 1: Yeah. I should be able to get by with it.\n\nChannel 0: Yep. So that's protecting income of about $82.05 60. If you wanted, you could bump it up a little bit if your income really is $90. But if you're happy with that amount, you can keep it like that.\n\nChannel 1: Yeah. I think that'll be fine.\n\nChannel 0: Cool.\n\nChannel 1: Again, I don't really have much loan expenses.\n\nChannel 0: Yeah. And because you've got all that savings there, that ninety day waiting period makes it way more affordable. Because it's, like, 1,700 a year after the tax rebate, if you chop that down to a thirty day wait so you got access to it earlier, it could jump up to, like, 2 and a half, $3 pretty quickly.\n\nChannel 1: Yeah.\n\nChannel 0: The only other thing is TPD and life insurance of 378,000. That's only costing about 600 out of the super per year, $6.29 30. So that's your least expensive of the two. I know you don't really have the debts there, and the life insurance will probably go to your sister. But if you're in a car accident, you break your back, you get your income protection, and you get 378,000 from Zurich plus your super on top, which puts you at a half a mil.\n\nDoes that sound right for you?\n\nChannel 1: I guess so.\n\nChannel 0: K. Outside of that, I mean, $500 invested in pension style, if you had a broken back, you could make that last quite a while. Especially if you keep it conservatively invested, you could probably live off that for a good ten, twenty years plus your income protection. You'd pretty much be on a similar similar wicket all the way up until pension age.\n\nChannel 1: Yeah.\n\nChannel 0: K? So I'll keep an eye on those because the next anniversary is January. If that jumps up, we can always trim it down or shop around. But at the moment, it's looking alright. Any concerns on your end there?\n\nChannel 1: Nothing that I can\n\nChannel 0: Cool.\n\nChannel 1: think\n\nChannel 0: Right. That's pretty much the main areas I wanted\n\nChannel 1: of.\n\nChannel 0: to cover with you today. Any questions so\n\nChannel 1: No.\n\nChannel 0: far?\n\nChannel 1: No. Nothing that I can think of. No.\n\nChannel 0: K. So quick recap. The stock market's going up and down like a yo yo. Still good growth out of the super. I've put a flag on that one investment so that if it is still dragging its feet next time we speak, we'll go for a bit of an update to your portfolio.\n\nThe insurances will kind of keep in place at the time being. We'll switch around who they go to, and that's pretty much it for the time being and let you get through what you need to and reconvene once everything's a little bit more stable for you.\n\nChannel 1: Yeah.\n\nChannel 0: K? Any other areas of advice you wanna talk about or anything else I can help you with?\n\nChannel 1: Not really. No. Again, I'm not too not too sorry with this sort of stuff. I just let it all do its thing.\n\nChannel 0: Yeah. Well, thank you for trusting us for looking after your super in the background. I'll make sure it keeps doing its thing in the background so you don't have to worry about it too much. And are you okay to do that annual catch up in twelve months? Do you want me to pencil in a bit earlier?\n\nWhat's your contact preference?\n\nChannel 1: Twelve months is fine, I think.\n\nChannel 0: Yep. If anything pops up in between, like, you can obviously give us a call, and we can get you booked in with me to have a chat, especially if there's any major changes finance wise or personal wise. But outside of that, we'll just keep an eye on things until the review. In that pack that I've sent you, there's obviously a service agreement there as well. So if you're still comfortable for us to look after things for the next year or so, it's still just the same fees.\n\n1.65% that gets spread monthly throughout the year, and you get a 15% tax rebate off of that. Once we get you to 600,000, which might seem like a world away, we do cap it. So we do get clients to get up to a mill, two mill. We obviously can't be charging $30.40 grand for the same service no matter how good it is, but we'll make sure we try and get you there as quick as we can.\n\nChannel 1: So in terms of yeah. No. This is not working. Never mind.\n\nChannel 0: Still having the tech issues there?\n\nChannel 1: Yeah. It just doesn't wanna work for me.\n\nChannel 0: Do you want me to pencil in for any kind of catch up next week for any of the details that you're trying to get into for the email there or just leave you to it? And if we don't hear back, we'll give you a buzz next week.\n\nChannel 1: I can just quickly check one thing.\n\nChannel 0: Yep.\n\nChannel 1: Let me have a look. 2771. 2771. So that\n\nChannel 0: Correct.\n\nChannel 1: is after\n\nChannel 0: Hang on a second. Let\n\nChannel 1: tax.\n\nChannel 0: me have a quick look. That's before the tax rebate.\n\nChannel 1: So that's the amount that's going into my account. So that's after I've been taxed and and put in.\n\nChannel 0: Oh, you were talking about the income. Sorry, mate. That was\n\nChannel 1: Yes.\n\nChannel 0: very close to another figure I was looking at. Could you just let me know that figure one more time, please? 2\n\nChannel 1: Two two thousand seven hundred and seventy one.\n\nChannel 0: 71 per fortnight, and that's after tax.\n\nChannel 1: Yeah.\n\nChannel 0: K. Just bear with me two seconds. We'll have a look at fortnightly. $2.07 $7.01. So it's just under about 3,600 gross in there.\n\n$2.07 $7.01. So based on that, it's saying that you're on a pretty much lower income of about 72,000. Does it say how much you've got year to date? Because I know there's only one month left until end of financial year. Is it 60 something thousand year to date, or is it more like 80 something?\n\nChannel 1: Well, that's I'm looking at I'm looking at my what money's gone into my bank account.\n\nChannel 0: Yeah.\n\nChannel 1: The\n\nChannel 0: Yep.\n\nChannel 1: the program that actually shows me my payslips and all that sort of stuff just does not want to work\n\nChannel 0: Oh, that's\n\nChannel 1: some for\n\nChannel 0: not working.\n\nChannel 1: some reason.\n\nChannel 0: Okay. Cool.\n\nChannel 1: Yeah. That's the that's the one I've been having issues with.\n\nChannel 0: Okay. Well, just because that's a huge difference between the two potential figures, do you mind if I get the team just to reach out with an email? And once you can get into the system, if you could just flick us, like, a copy or a payslip or something like that just to confirm. Because if it's a $20 swing, I just wanna make sure I don't need to adjust anything.\n\nChannel 1: Yeah. No. I'm I'm pretty sure I'm I'm close to, obviously in the high eighties at the very least.\n\nChannel 0: Yeah. And that's what I'm thinking. Like, based on what's going in in the contributions, I'd expect about 92. But if you're only doing\n\nChannel 1: Yeah.\n\nChannel 0: 2,700 a fortnight, that's more like $72, which is oh, no. $72 in pocket. 93. Yeah. That actually pretty much matches up, I think.\n\nI was\n\nChannel 1: Yeah.\n\nChannel 0: flipping my gross and my net around, so $92.93, you'd probably expect to get. And they don't give you any other, like, bonuses or supplements or anything?\n\nChannel 1: No. No. Not not all the department. No.\n\nChannel 0: Cool. No overtime or anything like that?\n\nChannel 1: Not really.\n\nChannel 0: Cool.\n\nChannel 1: They do, as I said, pay in lieu, but I spent time in lieu is what they'd give you. They don't give you any overtime.\n\nChannel 0: My favorite kind of leave is do the extra\n\nChannel 1: So\n\nChannel 0: hours, get time and load that you probably won't take.\n\nChannel 1: yeah. Well, I mean, the problem is I've got to actually start logging these things as well, which is another one of my problems I I never do.\n\nChannel 0: Yeah. You just do it anyway, and that's it. Move on. Go home for your day.\n\nChannel 1: Yeah. So if I was a bit more disciplined in that regard, I'd probably be able to have a bit more time. Days off here and there.\n\nChannel 0: That'd be good. And are you still looking to take any leave into Europe or Asia or any travel?\n\nChannel 1: No. Not at the moment. No.\n\nChannel 0: None at the moment. We'll park that for a little bit.\n\nChannel 1: No.\n\nChannel 0: Alrighty.\n\nChannel 1: I'm not going anywhere.\n\nChannel 0: Cool, though. I won't need to email you anymore. That's perfectly fine for the details. Dean, any other last questions for me before I let you go for the week?\n\nChannel 1: No. I think that is it. I don't have anything else to talk about.\n\nChannel 0: Cool. Once you get into that Odoo sign, what it tends to do is it lets you scroll through the two documents, the service agreement and a tax file number opt in form, just to make sure you're still okay for us to hold that number because it is quite important and, you know, cybersecurity issues and so on. Once you scroll through and read them, there's little purple buttons that'll bring you to signature spots and dates. It'll automatically stamp your name on it. But if you wanna draw a signature on there, you just click on the box, and it'll pop up and let you draw it on there.\n\nChannel 1: Yeah.\n\nChannel 0: Cool. Mate, if you have any questions for that, just give us a buzz or a text.\n\nChannel 1: No worries.\n\nChannel 0: Awesome. Look. I really appreciate you taking the time today. Everything's kind of in good hands for now. I'll keep an eye on things for that next catch up.\n\nAnd, mate, I hope you have a fantastic year, and I hope when I speak to you next, we've got a few ideas and things are on the up and up.\n\nChannel 1: Yeah. That's\n\nChannel 0: Awesome,\n\nChannel 1: the\n\nChannel 0: Dean.\n\nChannel 1: plan.\n\nChannel 0: Have a fantastic day, mate. Anything else for me before I go?\n\nChannel 1: That that was it.\n\nChannel 0: Easy. Alright. I'll catch you soon,\n\nChannel 1: See you later. See\n\nChannel 0: mate.\n\nChannel 1: you next\n\nChannel 0: Thanks,\n\nChannel 1: time.\n\nChannel 0: Pete. Bye.\n\nChannel 1: Cheers.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.04,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.032898060977458954},{"text":"Dan speaking.","start":1.4399999,"end":2.1,"sentiment":"neutral","sentiment_score":0.03528258390724659}],"sentiment":"neutral","sentiment_score":0.03448774293065071,"channel":1,"num_words":3,"start":1.04,"end":2.1},{"sentences":[{"text":"Good morning, sir.","start":2.8,"end":3.84,"sentiment":"positive","sentiment_score":0.37568817536036175},{"text":"It's Tommy here from Oakview Financial, one of the senior advisers.","start":3.84,"end":6.56,"sentiment":"neutral","sentiment_score":0.24619910527359357},{"text":"How are you going?","start":6.56,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.19872045144438744}],"sentiment":"neutral","sentiment_score":0.2572298049926758,"channel":0,"num_words":18,"start":2.8,"end":7.3799996},{"sentences":[{"text":"Yeah.","start":7.6,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.18574291467666623},{"text":"It's not too bad.","start":7.8399997,"end":8.98,"sentiment":"neutral","sentiment_score":0.2702759876847267}],"sentiment":"neutral","sentiment_score":0.25336937308311464,"channel":1,"num_words":5,"start":7.6,"end":8.98},{"sentences":[{"text":"Living the dream?","start":9.84,"end":10.82,"sentiment":"neutral","sentiment_score":0.3240703245004018}],"sentiment":"neutral","sentiment_score":0.3240703245004018,"channel":0,"num_words":3,"start":9.84,"end":10.82},{"sentences":[{"text":"You know, again, it could be better.","start":12.08,"end":13.599999,"sentiment":"neutral","sentiment_score":0.23224717378616333},{"text":"Could be better.","start":13.599999,"end":14.355,"sentiment":"neutral","sentiment_score":0.284164438645045}],"sentiment":"neutral","sentiment_score":0.24782235324382781,"channel":1,"num_words":10,"start":12.08,"end":14.355},{"sentences":[{"text":"Could be better.","start":15.135,"end":15.935,"sentiment":"neutral","sentiment_score":0.2544063578049342},{"text":"Could be enjoying the sunny Queensland weather.","start":15.935,"end":18.095001,"sentiment":"positive","sentiment_score":0.414166373865945},{"text":"How's it in WA?","start":18.095001,"end":19.315,"sentiment":"neutral","sentiment_score":0.09496540762484074}],"sentiment":"neutral","sentiment_score":0.2887318086411272,"channel":0,"num_words":14,"start":15.135,"end":19.315},{"sentences":[{"text":"It's nice and cool here.","start":21.795,"end":23.335,"sentiment":"positive","sentiment_score":0.664524495601654},{"text":"It's a nice day.","start":23.715,"end":24.855,"sentiment":"positive","sentiment_score":0.5830315947532654}],"sentiment":"positive","sentiment_score":0.6283054285579257,"channel":1,"num_words":9,"start":21.795,"end":24.855},{"sentences":[{"text":"Great to hear.","start":25.230001,"end":25.87,"sentiment":"positive","sentiment_score":0.6322328050931295},{"text":"Great to hear, mate.","start":25.87,"end":26.67,"sentiment":"positive","sentiment_score":0.5273925364017487},{"text":"I'm just giving you a call to go through your annual review if you still still have time for me.","start":26.67,"end":30.61,"sentiment":"neutral","sentiment_score":0.2399427317082882}],"sentiment":"neutral","sentiment_score":0.32611567389082025,"channel":0,"num_words":27,"start":25.230001,"end":30.61},{"sentences":[{"text":"Yep.","start":30.93,"end":31.43,"sentiment":"neutral","sentiment_score":0.10523813217878342},{"text":"Yep.","start":31.65,"end":31.89,"sentiment":"neutral","sentiment_score":0.13522334396839142},{"text":"I'm at home today.","start":31.89,"end":33.25,"sentiment":"neutral","sentiment_score":0.19955818355083466},{"text":"So","start":33.25,"end":33.489998,"sentiment":"positive","sentiment_score":0.4125519990921021}],"sentiment":"neutral","sentiment_score":0.2073208870632308,"channel":1,"num_words":7,"start":30.93,"end":33.489998},{"sentences":[{"text":"Perfect.","start":36.524998,"end":37.024998,"sentiment":"positive","sentiment_score":0.527936577796936},{"text":"Now, mate, I'm gonna send through an annual review pack to your email.","start":37.085,"end":40.545,"sentiment":"neutral","sentiment_score":0.1967093566289315},{"text":"Just before I do that, just gonna do a quick security check with you, if that's okay.","start":40.684998,"end":44.784996,"sentiment":"neutral","sentiment_score":0.11459725744584028}],"sentiment":"neutral","sentiment_score":0.1623648900178171,"channel":0,"num_words":31,"start":36.524998,"end":44.784996},{"sentences":[{"text":"Yep.","start":45.765,"end":46.265,"sentiment":"neutral","sentiment_score":0.1033080518245697}],"sentiment":"neutral","sentiment_score":0.1033080518245697,"channel":1,"num_words":1,"start":45.765,"end":46.265},{"sentences":[{"text":"Cool.","start":46.684998,"end":47.085,"sentiment":"neutral","sentiment_score":0.16644364595413208},{"text":"Now all the calls are recorded for training and quality purposes.","start":47.085,"end":50.545,"sentiment":"neutral","sentiment_score":0.06902251189405267},{"text":"I'm registered with ASIC as adviser one two seven three one zero five.","start":51.13,"end":54.81,"sentiment":"neutral","sentiment_score":0.0667345214348573},{"text":"Could you please confirm your date of birth and address then?","start":54.81,"end":57.95,"sentiment":"neutral","sentiment_score":0.04145985807884823}],"sentiment":"neutral","sentiment_score":0.06248051373081075,"channel":0,"num_words":36,"start":46.684998,"end":57.95},{"sentences":[{"text":"'83, 42 a Melbourne Avenue, New York time.","start":58.9,"end":63.079998,"sentiment":"neutral","sentiment_score":0.023940278217196465}],"sentiment":"neutral","sentiment_score":0.023940278217196465,"channel":1,"num_words":8,"start":58.9,"end":63.079998},{"sentences":[{"text":"Sensational.","start":63.945,"end":64.445,"sentiment":"neutral","sentiment_score":0.0929023027420044},{"text":"Now I'm popping this through to your Yahoo email address.","start":64.825,"end":67.705,"sentiment":"neutral","sentiment_score":0.04280708208680153},{"text":"Will you be able to look onto this with me today, or should I just walk you through the documents?","start":67.705,"end":71.725,"sentiment":"neutral","sentiment_score":0.04679366173222661}],"sentiment":"neutral","sentiment_score":0.04699504381466296,"channel":0,"num_words":31,"start":63.945,"end":71.725},{"sentences":[{"text":"I would normally be able to do it quite easily.","start":73.704994,"end":75.945,"sentiment":"neutral","sentiment_score":0.07810888551175595},{"text":"The problem is Western Power has cut off the electricity in the whole area, so I'm gonna have to do it off my phone.","start":75.945,"end":82.125,"sentiment":"negative","sentiment_score":-0.36033850101133186}],"sentiment":"neutral","sentiment_score":-0.23138338732807076,"channel":1,"num_words":34,"start":73.704994,"end":82.125},{"sentences":[{"text":"That's okay.","start":82.76,"end":83.479996,"sentiment":"neutral","sentiment_score":-0.03547162935137749},{"text":"I've got everything up in front of me, and I just want you to have a bit of time to read through it before you sign anything.","start":83.479996,"end":88.94,"sentiment":"neutral","sentiment_score":0.1110308548366582},{"text":"It'll include a number of attachments like your performance reports, certificates for your insurances, updated financial services guide, and service agreement with us.","start":89.645,"end":99.165,"sentiment":"neutral","sentiment_score":0.06735074341945026},{"text":"So there's a few little attachments there.","start":99.165,"end":101.265,"sentiment":"neutral","sentiment_score":0.031071447900363376},{"text":"And then it's through our new system, so it's actually going to come through from Odoo, and there'll be, like, a digital authorization there as well, similar to a DocuSign.","start":101.549995,"end":109.89,"sentiment":"neutral","sentiment_score":0.07120929124454657}],"sentiment":"neutral","sentiment_score":0.07673860441767767,"channel":0,"num_words":89,"start":82.76,"end":109.89},{"sentences":[{"text":"Yep.","start":111.61,"end":112.090004,"sentiment":"neutral","sentiment_score":0.035004280507564545},{"text":"And what's that oh my gosh.","start":112.090004,"end":113.37,"sentiment":"neutral","sentiment_score":-0.026571057736873627},{"text":"It's so many attachments.","start":113.37,"end":114.51,"sentiment":"neutral","sentiment_score":-0.17896850407123566}],"sentiment":"neutral","sentiment_score":-0.07639055292714726,"channel":1,"num_words":11,"start":111.61,"end":114.51},{"sentences":[{"text":"No.","start":115.564995,"end":115.725,"sentiment":"neutral","sentiment_score":-0.16437236964702606},{"text":"That's fine.","start":115.725,"end":116.465,"sentiment":"neutral","sentiment_score":-0.07346029579639435},{"text":"Mate, the only one I really want you to pull up initially, if you can, is your hub twenty four performance report.","start":117.085,"end":123.66499,"sentiment":"neutral","sentiment_score":0.09833199259909717}],"sentiment":"neutral","sentiment_score":0.07408043503761291,"channel":0,"num_words":25,"start":115.564995,"end":123.66499},{"sentences":[{"text":"This is good.","start":128.505,"end":129.225,"sentiment":"positive","sentiment_score":0.7806135018666586},{"text":"This is good.","start":129.225,"end":130.025,"sentiment":"positive","sentiment_score":0.7684989968935648},{"text":"Ship insurance summary.","start":130.025,"end":131.245,"sentiment":"neutral","sentiment_score":0.278584619363149},{"text":"Performance and deposits.","start":132.025,"end":133.325,"sentiment":"neutral","sentiment_score":0.1551812688509623}],"sentiment":"positive","sentiment_score":0.4957195967435837,"channel":1,"num_words":12,"start":128.505,"end":133.325},{"sentences":[{"text":"Yes.","start":133.98,"end":134.3,"sentiment":"neutral","sentiment_score":0.1684350073337555},{"text":"That's the one.","start":134.3,"end":135.2,"sentiment":"neutral","sentiment_score":0.16287883122762045}],"sentiment":"neutral","sentiment_score":0.1642678752541542,"channel":0,"num_words":4,"start":133.98,"end":135.2},{"sentences":[{"text":"Last twelve months.","start":135.95,"end":137.01,"sentiment":"neutral","sentiment_score":0.0794563740491867}],"sentiment":"neutral","sentiment_score":0.0794563740491867,"channel":1,"num_words":3,"start":135.95,"end":137.01},{"sentences":[{"text":"That's the one.","start":137.42,"end":138.14,"sentiment":"neutral","sentiment_score":0.1616705854733785},{"text":"Yep.","start":138.14,"end":138.64,"sentiment":"neutral","sentiment_score":0.07367746531963348},{"text":"Now is there anything in particular you're hoping to get out of this year's review?","start":140.595,"end":144.295,"sentiment":"neutral","sentiment_score":0.0401377954830726}],"sentiment":"neutral","sentiment_score":0.06109242915715042,"channel":0,"num_words":19,"start":137.42,"end":144.295},{"sentences":[{"text":"Well, Well, I'm not really.","start":147.55,"end":148.86499,"sentiment":"neutral","sentiment_score":-0.12864637821912767},{"text":"I'm I'm fairly hands off on this sort of stuff.","start":149.00499,"end":151.50499,"sentiment":"neutral","sentiment_score":-0.2770653933286667}],"sentiment":"neutral","sentiment_score":-0.22759238829215367,"channel":1,"num_words":15,"start":147.55,"end":151.50499},{"sentences":[{"text":"Yep.","start":151.65001,"end":151.97,"sentiment":"neutral","sentiment_score":-0.037072643637657166},{"text":"So just a bit of a general update, make sure there's nothing we need to change, things like that.","start":151.97,"end":156.31,"sentiment":"neutral","sentiment_score":-0.04701136605274912}],"sentiment":"neutral","sentiment_score":-0.046514429931994526,"channel":0,"num_words":20,"start":151.65001,"end":156.31},{"sentences":[{"text":"Not that I can think of.","start":158.36499,"end":159.745,"sentiment":"neutral","sentiment_score":-0.1267045127848784},{"text":"No changes","start":160.685,"end":161.325,"sentiment":"neutral","sentiment_score":-0.06708161532878876}],"sentiment":"neutral","sentiment_score":-0.111798788420856,"channel":1,"num_words":8,"start":158.36499,"end":161.325},{"sentences":[{"text":"Cool.","start":160.93001,"end":161.43001,"sentiment":"neutral","sentiment_score":-0.003389963880181313}],"sentiment":"neutral","sentiment_score":-0.003389963880181313,"channel":0,"num_words":1,"start":160.93001,"end":161.43001},{"sentences":[{"text":"that I can think of.","start":161.325,"end":162.045,"sentiment":"neutral","sentiment_score":-0.003759443759918213},{"text":"No.","start":162.045,"end":162.54,"sentiment":"neutral","sentiment_score":-0.05343833565711975}],"sentiment":"neutral","sentiment_score":-0.01203925907611847,"channel":1,"num_words":6,"start":161.325,"end":162.54},{"sentences":[{"text":"Alrighty.","start":163.105,"end":163.605,"sentiment":"neutral","sentiment_score":0.01890496350824833},{"text":"Now I'm just gonna go through Hub first, and then I'm gonna go and confirm some of the details we've got on file just to make sure the new system is accurate, and then I'll just finish off with the insurances and estate planning.","start":163.905,"end":175.765,"sentiment":"neutral","sentiment_score":0.11469388160515916},{"text":"Just quickly touching base on your goals, mate.","start":177.17,"end":179.09,"sentiment":"neutral","sentiment_score":0.17432923428714275},{"text":"We had you with a bit of a retirement goal, age 65, obviously focusing on growing the super, but there was a few more personal goals about getting some investment properties and having them supplement your your retirement, your wealth creation.","start":179.09,"end":192.705,"sentiment":"neutral","sentiment_score":0.08728855484869422},{"text":"Is that still the main focus for you at the moment?","start":192.925,"end":195.355,"sentiment":"neutral","sentiment_score":0.021203106099909}],"sentiment":"neutral","sentiment_score":0.09782985280312242,"channel":0,"num_words":105,"start":163.105,"end":195.355},{"sentences":[{"text":"Look.","start":197.87001,"end":198.37001,"sentiment":"neutral","sentiment_score":-0.057895727455616},{"text":"Again, I'm I'm I don't know what I'm doing myself.","start":198.91,"end":201.49,"sentiment":"neutral","sentiment_score":-0.18523648753762245},{"text":"Really?","start":202.83,"end":203.33,"sentiment":"neutral","sentiment_score":-0.0941537469625473}],"sentiment":"neutral","sentiment_score":-0.16703452914953232,"channel":1,"num_words":12,"start":197.87001,"end":203.33},{"sentences":[{"text":"Yep.","start":204.62,"end":204.86,"sentiment":"neutral","sentiment_score":-0.049727387726306915},{"text":"Looking for a bit of direction or on a bit of a holding pattern for a little while.","start":204.86,"end":208.8,"sentiment":"neutral","sentiment_score":-0.0718528495894538}],"sentiment":"neutral","sentiment_score":-0.0706883515966566,"channel":0,"num_words":19,"start":204.62,"end":208.8},{"sentences":[{"text":"Pretty much.","start":209.225,"end":209.785,"sentiment":"neutral","sentiment_score":-0.04464836232364178},{"text":"Yeah.","start":209.785,"end":210.285,"sentiment":"neutral","sentiment_score":-0.05392748862504959},{"text":"Yeah.","start":210.505,"end":210.825,"sentiment":"neutral","sentiment_score":-0.09521764516830444},{"text":"I'm just not really planning on doing anything outrageous at the moment.","start":210.825,"end":217.245,"sentiment":"neutral","sentiment_score":-0.2498678850630919}],"sentiment":"neutral","sentiment_score":-0.20230352994985878,"channel":1,"num_words":16,"start":209.225,"end":217.245},{"sentences":[{"text":"Yep.","start":217.83499,"end":218.035,"sentiment":"neutral","sentiment_score":-0.04478411003947258},{"text":"Yep.","start":218.035,"end":218.235,"sentiment":"neutral","sentiment_score":-0.029226547107100487},{"text":"K.","start":218.235,"end":218.635,"sentiment":"neutral","sentiment_score":-0.03905273973941803},{"text":"Do you want me to put any of those kind of on hold, or is that something you still wanna keep there for the next, say, three to five years?","start":218.635,"end":224.095,"sentiment":"neutral","sentiment_score":-0.06611667374769846}],"sentiment":"neutral","sentiment_score":-0.06353223058536198,"channel":0,"num_words":33,"start":217.83499,"end":224.095},{"sentences":[{"text":"So what does that actually involve?","start":225.94,"end":227.48,"sentiment":"neutral","sentiment_score":-0.03349609673023224}],"sentiment":"neutral","sentiment_score":-0.03349609673023224,"channel":1,"num_words":6,"start":225.94,"end":227.48},{"sentences":[{"text":"So really just tracking down alongside the super, how you're going towards purchasing properties and things like that if you still wanna actively accumulate those over","start":229.20999,"end":238.33,"sentiment":"neutral","sentiment_score":-0.002180935098574712}],"sentiment":"neutral","sentiment_score":-0.002180935098574712,"channel":0,"num_words":26,"start":229.20999,"end":238.33},{"sentences":[{"text":"Okay.","start":238.195,"end":238.695,"sentiment":"neutral","sentiment_score":-0.05258459597826004}],"sentiment":"neutral","sentiment_score":-0.05258459597826004,"channel":1,"num_words":1,"start":238.195,"end":238.695},{"sentences":[{"text":"the next few years.","start":238.33,"end":239.39,"sentiment":"neutral","sentiment_score":-0.07992400228977203}],"sentiment":"neutral","sentiment_score":-0.07992400228977203,"channel":0,"num_words":4,"start":238.33,"end":239.39},{"sentences":[{"text":"We've got I don't know.","start":242.995,"end":243.955,"sentiment":"neutral","sentiment_score":-0.15170819759368898},{"text":"I don't I don't think so.","start":243.955,"end":245.28,"sentiment":"neutral","sentiment_score":-0.18310088415940604}],"sentiment":"neutral","sentiment_score":-0.16883148117498917,"channel":1,"num_words":11,"start":242.995,"end":245.28},{"sentences":[{"text":"Yep.","start":245.905,"end":246.38501,"sentiment":"neutral","sentiment_score":-0.022421617060899734},{"text":"K.","start":246.38501,"end":246.88501,"sentiment":"neutral","sentiment_score":-0.026853041723370552},{"text":"I can sort of chop them off for the time being, and we can just focus on the super side.","start":246.945,"end":250.945,"sentiment":"neutral","sentiment_score":-0.025307341944426298},{"text":"And if anything else pops up, we can always touch base on that next year as well.","start":250.945,"end":254.55,"sentiment":"positive","sentiment_score":0.3507560438969556}],"sentiment":"neutral","sentiment_score":0.1386520832968064,"channel":0,"num_words":39,"start":245.905,"end":254.55},{"sentences":[{"text":"Yep.","start":255.04,"end":255.54,"sentiment":"positive","sentiment_score":0.4031177461147308}],"sentiment":"positive","sentiment_score":0.4031177461147308,"channel":1,"num_words":1,"start":255.04,"end":255.54},{"sentences":[{"text":"Cool.","start":256.87,"end":257.27,"sentiment":"positive","sentiment_score":0.5287389755249023},{"text":"Now one of the things with the super so I'll give you a quick rundown from what I can see.","start":257.27,"end":261.83002,"sentiment":"neutral","sentiment_score":0.22135458290576934},{"text":"So we had all of your super sort of finished off consolidating around this time last year.","start":261.83002,"end":267.59,"sentiment":"neutral","sentiment_score":0.14057500879554188},{"text":"You were sitting at about $136.","start":267.59,"end":269.75497,"sentiment":"neutral","sentiment_score":0.0917423889040947},{"text":"You're sitting at $156.04 $4.09 at the moment.","start":269.75497,"end":273.455,"sentiment":"neutral","sentiment_score":0.08981639426201582}],"sentiment":"neutral","sentiment_score":0.16566521674394608,"channel":0,"num_words":52,"start":256.87,"end":273.455},{"sentences":[{"text":"Now do you remember that you're in kind of like a a growth portfolio, sort of four out of five on the risk scale, mostly in growth assets like shares and property.","start":275.115,"end":284.05,"sentiment":"neutral","sentiment_score":0.049578960111830384},{"text":"Does that ring a 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expecting to give you a call and say, hey, mate.","start":338.05,"end":339.88998,"sentiment":"neutral","sentiment_score":0.0657226253639568},{"text":"You're you're a little bit in the negative, but you're still up, again, $20 for the year, including, I guess, contributions in the growth of the super.","start":339.88998,"end":347.99,"sentiment":"neutral","sentiment_score":0.12060584528026758},{"text":"So","start":349.665,"end":350.165,"sentiment":"neutral","sentiment_score":0.040994659066200256}],"sentiment":"neutral","sentiment_score":0.1030846502727423,"channel":0,"num_words":39,"start":338.05,"end":350.165},{"sentences":[{"text":"How much is the how much is the super providing or the gross.","start":350.64502,"end":354.64502,"sentiment":"neutral","sentiment_score":0.059294186819058195},{"text":"Sorry.","start":354.64502,"end":355.14502,"sentiment":"neutral","sentiment_score":-0.11576452851295473},{"text":"In compare in comparison to the","start":355.605,"end":357.285,"sentiment":"neutral","sentiment_score":-0.08354382713635762}],"sentiment":"neutral","sentiment_score":0.007689846865832806,"channel":1,"num_words":20,"start":350.64502,"end":357.285},{"sentences":[{"text":"it's contributions.","start":358.225,"end":358.885,"sentiment":"neutral","sentiment_score":-0.032842145301401615}],"sentiment":"neutral","sentiment_score":-0.032842145301401615,"channel":0,"num_words":2,"start":358.225,"end":358.885},{"sentences":[{"text":"yeah.","start":359.92502,"end":360.42502,"sentiment":"neutral","sentiment_score":0.038803763687610626}],"sentiment":"neutral","sentiment_score":0.038803763687610626,"channel":1,"num_words":1,"start":359.92502,"end":360.42502},{"sentences":[{"text":"Yeah.","start":360.785,"end":361.025,"sentiment":"neutral","sentiment_score":0.07093599438667297},{"text":"Yep.","start":361.025,"end":361.185,"sentiment":"neutral","sentiment_score":0.09699475765228271},{"text":"So it's about $10.11 grand of 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stuff.","start":373.06,"end":377.08,"sentiment":"neutral","sentiment_score":-0.31585923363180723}],"sentiment":"neutral","sentiment_score":-0.30860399258764165,"channel":1,"num_words":19,"start":372.46002,"end":377.08},{"sentences":[{"text":"Yeah.","start":377.815,"end":378.215,"sentiment":"neutral","sentiment_score":-0.08197817206382751},{"text":"Well, one of the things I can kind of, I guess, give you a bit of a tip on is that now that you're sitting at well over $150, we are expecting that in the years where the super goes up and the stock market goes up, that you're getting more growth than your contributions, which is not what you would have been experiencing for the first, say, ten, fifteen years of super.","start":378.215,"end":397.1,"sentiment":"neutral","sentiment_score":0.09983227172330635},{"text":"You would have had more going in from work than it was growing because it's all percentage 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line.","start":417.68,"end":421.14,"sentiment":"neutral","sentiment_score":0.17603912726044654},{"text":"Most everything has grown pretty damn well.","start":422.0,"end":424.58002,"sentiment":"positive","sentiment_score":0.5689176321029663}],"sentiment":"neutral","sentiment_score":0.2723527309533797,"channel":0,"num_words":38,"start":411.355,"end":424.58002},{"sentences":[{"text":"You've fortunately had a bit of investment in battery tech, which is like your electric vehicles, which is kind of going off this year.","start":424.88,"end":433.30502,"sentiment":"positive","sentiment_score":0.4036802028616269},{"text":"98% return there, which is sensational.","start":433.30502,"end":435.565,"sentiment":"positive","sentiment_score":0.5967223544915518},{"text":"Gold's up 26.","start":435.70502,"end":436.825,"sentiment":"neutral","sentiment_score":0.3231835961341858},{"text":"Shares are up fourteen and eleven.","start":436.825,"end":438.36502,"sentiment":"neutral","sentiment_score":0.2179871474703153},{"text":"So that's all looking good.","start":438.42502,"end":439.70502,"sentiment":"positive","sentiment_score":0.48090343475341796}],"sentiment":"positive","sentiment_score":0.40796931460499763,"channel":0,"num_words":44,"start":424.88,"end":439.70502},{"sentences":[{"text":"You did have one out of the eight options dip into the negative there, which is your Australian shares.","start":439.70502,"end":445.08502,"sentiment":"neutral","sentiment_score":-0.017802584916353226},{"text":"So I've got to keep a bit of an eye on that one because one out of seven having a bit of a dip, not too bad, still overall doing really good.","start":445.37,"end":453.39,"sentiment":"neutral","sentiment_score":0.0285644149989821},{"text":"But if that continues for any period of time, I may need to switch that option 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Dean.","start":460.825,"end":469.725,"sentiment":"neutral","sentiment_score":-0.18998792448214122}],"sentiment":"neutral","sentiment_score":-0.18520286409505482,"channel":0,"num_words":29,"start":460.345,"end":469.725},{"sentences":[{"text":"Nothing nothing I can think of.","start":470.785,"end":473.045,"sentiment":"neutral","sentiment_score":-0.1313884158929189}],"sentiment":"neutral","sentiment_score":-0.1313884158929189,"channel":1,"num_words":6,"start":470.785,"end":473.045},{"sentences":[{"text":"K.","start":473.47998,"end":473.87997,"sentiment":"neutral","sentiment_score":-0.006682981736958027}],"sentiment":"neutral","sentiment_score":-0.006682981736958027,"channel":0,"num_words":1,"start":473.47998,"end":473.87997},{"sentences":[{"text":"The gold","start":473.665,"end":474.325,"sentiment":"neutral","sentiment_score":0.002700601704418659}],"sentiment":"neutral","sentiment_score":0.002700601704418659,"channel":1,"num_words":2,"start":473.665,"end":474.325},{"sentences":[{"text":"What I would","start":473.87997,"end":474.44,"sentiment":"neutral","sentiment_score":0.11198607087135315}],"sentiment":"neutral","sentiment_score":0.11198607087135315,"channel":0,"num_words":3,"start":473.87997,"end":474.44},{"sentences":[{"text":"is gold is going good, which is interest which is great.","start":474.545,"end":477.345,"sentiment":"neutral","sentiment_score":0.27503452517769555},{"text":"I've I I know quite a few people who are interested in in purchasing gold.","start":477.345,"end":483.26,"sentiment":"neutral","sentiment_score":0.16840851803620657}],"sentiment":"neutral","sentiment_score":0.21351952105760574,"channel":1,"num_words":26,"start":474.545,"end":483.26},{"sentences":[{"text":"Yeah.","start":484.45502,"end":484.775,"sentiment":"positive","sentiment_score":0.38518670201301575},{"text":"It had a really stellar year last year, and it's one of those things we're adding a bit of those.","start":484.775,"end":489.575,"sentiment":"positive","sentiment_score":0.5348322570323945},{"text":"We call them an alternative asset because it's not a share or a property.","start":489.575,"end":492.95502,"sentiment":"neutral","sentiment_score":0.30113979429006577},{"text":"And just having that extra little diversification really paid off pretty damn well.","start":493.175,"end":497.28,"sentiment":"positive","sentiment_score":0.5650132481868451}],"sentiment":"positive","sentiment_score":0.47172835810730857,"channel":0,"num_words":48,"start":484.45502,"end":497.28},{"sentences":[{"text":"Yeah.","start":499.185,"end":499.685,"sentiment":"neutral","sentiment_score":0.02718605473637581},{"text":"So","start":500.305,"end":500.785,"sentiment":"neutral","sentiment_score":0.004140608012676239}],"sentiment":"neutral","sentiment_score":0.015663331374526024,"channel":1,"num_words":2,"start":499.185,"end":500.785},{"sentences":[{"text":"Yeah.","start":500.56,"end":501.06,"sentiment":"neutral","sentiment_score":-0.0018258718773722649}],"sentiment":"neutral","sentiment_score":-0.0018258718773722649,"channel":0,"num_words":1,"start":500.56,"end":501.06},{"sentences":[{"text":"what's it called?","start":500.785,"end":501.505,"sentiment":"neutral","sentiment_score":-0.033965468406677246},{"text":"Silver?","start":501.505,"end":502.005,"sentiment":"neutral","sentiment_score":-0.08555211126804352},{"text":"Silver went downhill.","start":502.225,"end":503.205,"sentiment":"neutral","sentiment_score":-0.20560121287902197},{"text":"It had a bump, and then it went straight down again, didn't it?","start":503.665,"end":506.305,"sentiment":"neutral","sentiment_score":-0.1222192243887828},{"text":"Or","start":506.305,"end":506.805,"sentiment":"neutral","sentiment_score":-0.04509783163666725}],"sentiment":"neutral","sentiment_score":-0.1161047573245707,"channel":1,"num_words":21,"start":500.785,"end":506.805},{"sentences":[{"text":"Yeah.","start":506.8,"end":507.2,"sentiment":"neutral","sentiment_score":-0.03770621865987778},{"text":"That's right.","start":507.2,"end":507.76,"sentiment":"neutral","sentiment_score":0.017410861793905493},{"text":"Both gold and silver had a huge jump up to Christmas, and then all of a sudden January, February hit, and they had a bit of a tumble.","start":507.76,"end":513.14,"sentiment":"neutral","sentiment_score":-0.10258485935628414},{"text":"And that's pretty I mean, once you go up a 160%, it drops 40.","start":513.495,"end":518.875,"sentiment":"neutral","sentiment_score":-0.169618585812194},{"text":"Most people are still up a 100%.","start":519.015,"end":520.855,"sentiment":"neutral","sentiment_score":0.12654996237584523}],"sentiment":"neutral","sentiment_score":-0.08392444272668889,"channel":0,"num_words":52,"start":506.8,"end":520.855},{"sentences":[{"text":"So it's been","start":520.855,"end":521.975,"sentiment":"neutral","sentiment_score":0.04833924894531568}],"sentiment":"neutral","sentiment_score":0.04833924894531568,"channel":0,"num_words":3,"start":520.855,"end":521.975},{"sentences":[{"text":"Yeah.","start":521.97,"end":522.405,"sentiment":"neutral","sentiment_score":0.007391884922981262}],"sentiment":"neutral","sentiment_score":0.007391884922981262,"channel":1,"num_words":1,"start":521.97,"end":522.405},{"sentences":[{"text":"a pretty crazy","start":521.975,"end":522.875,"sentiment":"neutral","sentiment_score":-0.0274081298460563}],"sentiment":"neutral","sentiment_score":-0.0274081298460563,"channel":0,"num_words":3,"start":521.975,"end":522.875},{"sentences":[{"text":"Well and 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want","start":528.47003,"end":531.99,"sentiment":"neutral","sentiment_score":0.016786660067737103}],"sentiment":"neutral","sentiment_score":-0.0006371880105386176,"channel":0,"num_words":24,"start":525.75,"end":531.99},{"sentences":[{"text":"Yeah.","start":531.84503,"end":532.34503,"sentiment":"neutral","sentiment_score":-0.00163298100233078}],"sentiment":"neutral","sentiment_score":-0.00163298100233078,"channel":1,"num_words":1,"start":531.84503,"end":532.34503},{"sentences":[{"text":"your super jumping up and down 80% a single year.","start":531.99,"end":534.55005,"sentiment":"neutral","sentiment_score":-0.005413340032100677},{"text":"Wanna spread it around a little bit and get a bit more guarantee of where you're going.","start":534.55005,"end":538.49,"sentiment":"neutral","sentiment_score":0.17371908706777237},{"text":"Now the only other two things to note, mate, was cybersecurity and 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that.","start":555.0,"end":565.575,"sentiment":"neutral","sentiment_score":-0.03628931355637473}],"sentiment":"neutral","sentiment_score":-0.03628931355637473,"channel":0,"num_words":37,"start":555.0,"end":565.575},{"sentences":[{"text":"Yeah.","start":565.48004,"end":565.98004,"sentiment":"neutral","sentiment_score":-0.005204282701015472}],"sentiment":"neutral","sentiment_score":-0.005204282701015472,"channel":1,"num_words":1,"start":565.48004,"end":565.98004},{"sentences":[{"text":"So nothing too concerning there.","start":566.375,"end":567.995,"sentiment":"neutral","sentiment_score":-0.02351313978433609},{"text":"Just swinging over to the contributions because I'm kind of looking at what's coming in from work.","start":570.375,"end":575.495,"sentiment":"neutral","sentiment_score":0.0212471849997254},{"text":"They're paying in fortnightly, and they're about to change after the financial year that the employers paying in in line with your pay 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debts there, and the life insurance will probably go to your sister.","start":1192.01,"end":1196.19,"sentiment":"neutral","sentiment_score":0.058015495146575724},{"text":"But if you're in a car accident, you break your back, you get your income protection, and you get 378,000 from Zurich plus your super on top, which puts you at a half a mil.","start":1196.73,"end":1208.265,"sentiment":"neutral","sentiment_score":0.15313065041388785}],"sentiment":"neutral","sentiment_score":0.1673396023120298,"channel":0,"num_words":86,"start":1177.085,"end":1208.265},{"sentences":[{"text":"Does that sound right for you?","start":1209.285,"end":1210.665,"sentiment":"neutral","sentiment_score":0.1886454075574875}],"sentiment":"neutral","sentiment_score":0.1886454075574875,"channel":0,"num_words":6,"start":1209.285,"end":1210.665},{"sentences":[{"text":"I guess so.","start":1211.95,"end":1212.9299,"sentiment":"neutral","sentiment_score":0.09363184124231339}],"sentiment":"neutral","sentiment_score":0.09363184124231339,"channel":1,"num_words":3,"start":1211.95,"end":1212.9299},{"sentences":[{"text":"K.","start":1215.2051,"end":1215.525,"sentiment":"neutral","sentiment_score":0.10097993910312653},{"text":"Outside of that, I mean, $500 invested in pension style, if you had a broken back, you could make that last quite a while.","start":1215.525,"end":1223.04,"sentiment":"neutral","sentiment_score":0.20910053296635547},{"text":"Especially if you keep it conservatively invested, you could probably live off that for a good ten, twenty years plus your income protection.","start":1223.74,"end":1230.0599,"sentiment":"neutral","sentiment_score":0.2806797539410384},{"text":"You'd pretty much be on a similar similar wicket all the way up until pension age.","start":1230.0599,"end":1236.4451,"sentiment":"neutral","sentiment_score":0.14258564775809646}],"sentiment":"neutral","sentiment_score":0.21650620992295444,"channel":0,"num_words":64,"start":1215.2051,"end":1236.4451},{"sentences":[{"text":"Yeah.","start":1239.25,"end":1239.615,"sentiment":"neutral","sentiment_score":0.08728262782096863}],"sentiment":"neutral","sentiment_score":0.08728262782096863,"channel":1,"num_words":1,"start":1239.25,"end":1239.615},{"sentences":[{"text":"K?","start":1240.745,"end":1241.245,"sentiment":"neutral","sentiment_score":0.08447340130805969},{"text":"So I'll keep an eye on those because the next anniversary is January.","start":1241.4651,"end":1245.165,"sentiment":"neutral","sentiment_score":0.10546235912121259},{"text":"If that jumps up, we can always trim it down or shop around.","start":1245.5299,"end":1248.1699,"sentiment":"neutral","sentiment_score":0.08731282301820241},{"text":"But at the moment, it's looking alright.","start":1248.1699,"end":1249.61,"sentiment":"neutral","sentiment_score":0.10421764584524291},{"text":"Any concerns on your end there?","start":1249.61,"end":1251.23,"sentiment":"neutral","sentiment_score":0.016895955118040245}],"sentiment":"neutral","sentiment_score":0.08553625051863492,"channel":0,"num_words":40,"start":1240.745,"end":1251.23},{"sentences":[{"text":"Nothing that I can","start":1252.67,"end":1253.81,"sentiment":"neutral","sentiment_score":-0.012206901796162128}],"sentiment":"neutral","sentiment_score":-0.012206901796162128,"channel":1,"num_words":4,"start":1252.67,"end":1253.81},{"sentences":[{"text":"Cool.","start":1254.97,"end":1255.47,"sentiment":"neutral","sentiment_score":0.03540242090821266}],"sentiment":"neutral","sentiment_score":0.03540242090821266,"channel":0,"num_words":1,"start":1254.97,"end":1255.47},{"sentences":[{"text":"think","start":1255.67,"end":1256.17,"sentiment":"neutral","sentiment_score":0.02676187828183174}],"sentiment":"neutral","sentiment_score":0.02676187828183174,"channel":1,"num_words":1,"start":1255.67,"end":1256.17},{"sentences":[{"text":"Right.","start":1255.69,"end":1256.19,"sentiment":"neutral","sentiment_score":0.12404236942529678},{"text":"That's pretty much the main areas I wanted","start":1256.25,"end":1258.1699,"sentiment":"neutral","sentiment_score":0.22050275653600693}],"sentiment":"neutral","sentiment_score":0.20978493574592802,"channel":0,"num_words":9,"start":1255.69,"end":1258.1699},{"sentences":[{"text":"of.","start":1258.03,"end":1258.53,"sentiment":"neutral","sentiment_score":0.2195749580860138}],"sentiment":"neutral","sentiment_score":0.2195749580860138,"channel":1,"num_words":1,"start":1258.03,"end":1258.53},{"sentences":[{"text":"to cover with you today.","start":1258.1699,"end":1259.5499,"sentiment":"neutral","sentiment_score":0.17683717608451843},{"text":"Any questions so","start":1259.61,"end":1260.57,"sentiment":"neutral","sentiment_score":0.004270305857062339}],"sentiment":"neutral","sentiment_score":0.1121245997492224,"channel":0,"num_words":8,"start":1258.1699,"end":1260.57},{"sentences":[{"text":"No.","start":1260.39,"end":1260.89,"sentiment":"neutral","sentiment_score":-0.03287491947412491}],"sentiment":"neutral","sentiment_score":-0.03287491947412491,"channel":1,"num_words":1,"start":1260.39,"end":1260.89},{"sentences":[{"text":"far?","start":1260.57,"end":1261.035,"sentiment":"neutral","sentiment_score":-0.027536798268556595}],"sentiment":"neutral","sentiment_score":-0.027536798268556595,"channel":0,"num_words":1,"start":1260.57,"end":1261.035},{"sentences":[{"text":"No.","start":1262.75,"end":1262.91,"sentiment":"neutral","sentiment_score":-0.09600180387496948},{"text":"Nothing that I can think of.","start":1262.91,"end":1264.11,"sentiment":"neutral","sentiment_score":-0.1092360441883405},{"text":"No.","start":1264.11,"end":1264.515,"sentiment":"neutral","sentiment_score":-0.08506982028484344}],"sentiment":"neutral","sentiment_score":-0.104560986161232,"channel":1,"num_words":8,"start":1262.75,"end":1264.515},{"sentences":[{"text":"K.","start":1265.355,"end":1265.755,"sentiment":"neutral","sentiment_score":-0.026885366067290303},{"text":"So quick recap.","start":1265.755,"end":1267.055,"sentiment":"neutral","sentiment_score":-0.002315384646256765},{"text":"The stock market's going up and down like a yo yo.","start":1267.515,"end":1270.255,"sentiment":"neutral","sentiment_score":-0.055430016395720566},{"text":"Still good growth out of the super.","start":1270.3151,"end":1271.915,"sentiment":"neutral","sentiment_score":0.28963479825428556},{"text":"I've put a flag on that one investment so that if it is still dragging its feet next time we speak, we'll go for a bit of an update to your portfolio.","start":1271.915,"end":1280.52,"sentiment":"neutral","sentiment_score":0.06137507176026702}],"sentiment":"neutral","sentiment_score":0.06199785525462142,"channel":0,"num_words":54,"start":1265.355,"end":1280.52},{"sentences":[{"text":"The insurances will kind of keep in place at the time being.","start":1281.46,"end":1284.4401,"sentiment":"neutral","sentiment_score":0.06436606092999379},{"text":"We'll switch around who they go to, and that's pretty much it for the time being and let you get through what you need to and reconvene once everything's a little bit more stable for you.","start":1284.5,"end":1296.6951,"sentiment":"neutral","sentiment_score":0.20117557648983267}],"sentiment":"neutral","sentiment_score":0.16697319759987295,"channel":0,"num_words":48,"start":1281.46,"end":1296.6951},{"sentences":[{"text":"Yeah.","start":1297.615,"end":1298.115,"sentiment":"neutral","sentiment_score":0.09660308063030244}],"sentiment":"neutral","sentiment_score":0.09660308063030244,"channel":1,"num_words":1,"start":1297.615,"end":1298.115},{"sentences":[{"text":"K?","start":1299.155,"end":1299.655,"sentiment":"neutral","sentiment_score":0.0820782408118248},{"text":"Any other areas of advice you wanna talk about or anything else I can help you with?","start":1300.275,"end":1304.04,"sentiment":"neutral","sentiment_score":0.15246974939809127}],"sentiment":"neutral","sentiment_score":0.14855911003218758,"channel":0,"num_words":18,"start":1299.155,"end":1304.04},{"sentences":[{"text":"Not really.","start":1305.215,"end":1305.855,"sentiment":"neutral","sentiment_score":-0.09428292512893677},{"text":"No.","start":1305.855,"end":1306.355,"sentiment":"neutral","sentiment_score":-0.09282051026821136},{"text":"Again, I'm not too not too sorry with this sort of stuff.","start":1306.63,"end":1310.47,"sentiment":"neutral","sentiment_score":-0.16826905434330305},{"text":"I just let it all do its thing.","start":1310.47,"end":1312.97,"sentiment":"neutral","sentiment_score":0.1790369637310505}],"sentiment":"neutral","sentiment_score":-0.03775301316510076,"channel":1,"num_words":23,"start":1305.215,"end":1312.97},{"sentences":[{"text":"Yeah.","start":1313.3201,"end":1313.8201,"sentiment":"neutral","sentiment_score":0.26017531752586365},{"text":"Well, thank you for trusting us for looking after your super in the background.","start":1314.04,"end":1317.0,"sentiment":"positive","sentiment_score":0.5566065950053078},{"text":"I'll make sure it keeps doing its thing in the background so you don't have to worry about it too much.","start":1317.0,"end":1321.0149,"sentiment":"positive","sentiment_score":0.4877801395597912},{"text":"And are you okay to do that annual catch up in twelve months?","start":1321.315,"end":1325.315,"sentiment":"neutral","sentiment_score":0.22364816986597502},{"text":"Do you want me to pencil in a bit earlier?","start":1325.315,"end":1327.2549,"sentiment":"neutral","sentiment_score":0.0929454006254673}],"sentiment":"positive","sentiment_score":0.375134420218104,"channel":0,"num_words":59,"start":1313.3201,"end":1327.2549},{"sentences":[{"text":"What's your contact preference?","start":1327.315,"end":1328.695,"sentiment":"neutral","sentiment_score":0.0738062011078}],"sentiment":"neutral","sentiment_score":0.0738062011078,"channel":0,"num_words":4,"start":1327.315,"end":1328.695},{"sentences":[{"text":"Twelve months is fine, I think.","start":1330.295,"end":1331.79,"sentiment":"neutral","sentiment_score":0.3274739384651184}],"sentiment":"neutral","sentiment_score":0.3274739384651184,"channel":1,"num_words":6,"start":1330.295,"end":1331.79},{"sentences":[{"text":"Yep.","start":1332.21,"end":1332.71,"sentiment":"positive","sentiment_score":0.38778457045555115},{"text":"If anything pops up in between, like, you can obviously give us a call, and we can get you booked in with me to have a chat, especially if there's any major changes finance wise or personal wise.","start":1332.85,"end":1343.6649,"sentiment":"neutral","sentiment_score":0.3067891840872012},{"text":"But outside of that, we'll just keep an eye on things until the review.","start":1343.6649,"end":1347.0449,"sentiment":"neutral","sentiment_score":0.18781345869813645},{"text":"In that pack that I've sent you, there's obviously a service agreement there as well.","start":1348.065,"end":1352.385,"sentiment":"neutral","sentiment_score":0.2257528195778529},{"text":"So if you're still comfortable for us to look after things for the next year or so, it's still just the same fees.","start":1352.385,"end":1358.05,"sentiment":"neutral","sentiment_score":0.27324204989101575}],"sentiment":"neutral","sentiment_score":0.2675386970187282,"channel":0,"num_words":91,"start":1332.21,"end":1358.05},{"sentences":[{"text":"1.65% that gets spread monthly throughout the year, and you get a 15% tax rebate off of that.","start":1358.27,"end":1365.09,"sentiment":"positive","sentiment_score":0.33501214534044266},{"text":"Once we get you to 600,000, which might seem like a world away, we do cap it.","start":1365.31,"end":1369.935,"sentiment":"neutral","sentiment_score":0.0898430066950181},{"text":"So we do get clients to get up to a mill, two mill.","start":1370.0951,"end":1372.755,"sentiment":"neutral","sentiment_score":0.25749608415823716},{"text":"We obviously can't be charging $30.40 grand for the same service no matter how good it is, but we'll make sure we try and get you there as quick as we can.","start":1372.8151,"end":1380.275,"sentiment":"neutral","sentiment_score":0.22703536530025303}],"sentiment":"neutral","sentiment_score":0.2271266314201057,"channel":0,"num_words":80,"start":1358.27,"end":1380.275},{"sentences":[{"text":"So in terms of yeah.","start":1383.565,"end":1388.9249,"sentiment":"neutral","sentiment_score":0.010443953052163123},{"text":"No.","start":1388.9249,"end":1389.1649,"sentiment":"neutral","sentiment_score":-0.31510013341903687},{"text":"This is not working.","start":1389.1649,"end":1390.1449,"sentiment":"negative","sentiment_score":-0.5474531203508377},{"text":"Never mind.","start":1390.2849,"end":1391.105,"sentiment":"negative","sentiment_score":-0.35423198342323303}],"sentiment":"neutral","sentiment_score":-0.2634297347006698,"channel":1,"num_words":12,"start":1383.565,"end":1391.105},{"sentences":[{"text":"Still having the tech issues there?","start":1391.7899,"end":1393.49,"sentiment":"neutral","sentiment_score":-0.3010219410061836}],"sentiment":"neutral","sentiment_score":-0.3010219410061836,"channel":0,"num_words":6,"start":1391.7899,"end":1393.49},{"sentences":[{"text":"Yeah.","start":1394.4199,"end":1394.9199,"sentiment":"neutral","sentiment_score":-0.2220751047134399},{"text":"It just doesn't wanna work for me.","start":1394.98,"end":1396.7599,"sentiment":"negative","sentiment_score":-0.34862818462508066}],"sentiment":"neutral","sentiment_score":-0.33280904963612556,"channel":1,"num_words":8,"start":1394.4199,"end":1396.7599},{"sentences":[{"text":"Do you want me to pencil in for any kind of catch up next week for any of the details that you're trying to get into for the email there or just leave you to it?","start":1401.8049,"end":1410.4199,"sentiment":"neutral","sentiment_score":0.010182963891161812},{"text":"And if we don't hear back, we'll give you a buzz next week.","start":1410.4199,"end":1412.76,"sentiment":"neutral","sentiment_score":-0.02897142733518894}],"sentiment":"neutral","sentiment_score":-0.00020493582195165206,"channel":0,"num_words":49,"start":1401.8049,"end":1412.76},{"sentences":[{"text":"I can just quickly check one thing.","start":1414.205,"end":1416.465,"sentiment":"neutral","sentiment_score":0.05354228402887072}],"sentiment":"neutral","sentiment_score":0.05354228402887072,"channel":1,"num_words":7,"start":1414.205,"end":1416.465},{"sentences":[{"text":"Yep.","start":1417.22,"end":1417.72,"sentiment":"neutral","sentiment_score":0.06914409250020981}],"sentiment":"neutral","sentiment_score":0.06914409250020981,"channel":0,"num_words":1,"start":1417.22,"end":1417.72},{"sentences":[{"text":"Let me have a look.","start":1420.98,"end":1425.16,"sentiment":"neutral","sentiment_score":0.03674763031303883},{"text":"2771.","start":1432.98,"end":1434.6,"sentiment":"neutral","sentiment_score":0.00976233184337616},{"text":"2771.","start":1434.66,"end":1436.955,"sentiment":"neutral","sentiment_score":0.00896478071808815},{"text":"So that","start":1437.355,"end":1437.755,"sentiment":"neutral","sentiment_score":0.014305005315691233}],"sentiment":"neutral","sentiment_score":0.025675030528671212,"channel":1,"num_words":9,"start":1420.98,"end":1437.755},{"sentences":[{"text":"Correct.","start":1437.57,"end":1438.07,"sentiment":"neutral","sentiment_score":0.02567357011139393}],"sentiment":"neutral","sentiment_score":0.02567357011139393,"channel":0,"num_words":1,"start":1437.57,"end":1438.07},{"sentences":[{"text":"is after","start":1437.755,"end":1438.6549,"sentiment":"neutral","sentiment_score":0.010955195873975754}],"sentiment":"neutral","sentiment_score":0.010955195873975754,"channel":1,"num_words":2,"start":1437.755,"end":1438.6549},{"sentences":[{"text":"Hang on a second.","start":1441.33,"end":1442.21,"sentiment":"neutral","sentiment_score":0.007788755465298891},{"text":"Let","start":1442.21,"end":1442.37,"sentiment":"neutral","sentiment_score":0.02157178893685341}],"sentiment":"neutral","sentiment_score":0.010545362159609795,"channel":0,"num_words":5,"start":1441.33,"end":1442.37},{"sentences":[{"text":"tax.","start":1442.235,"end":1442.735,"sentiment":"neutral","sentiment_score":0.019555171951651573}],"sentiment":"neutral","sentiment_score":0.019555171951651573,"channel":1,"num_words":1,"start":1442.235,"end":1442.735},{"sentences":[{"text":"me have a quick look.","start":1442.37,"end":1443.59,"sentiment":"neutral","sentiment_score":0.025236876308918},{"text":"That's before the tax rebate.","start":1445.57,"end":1448.07,"sentiment":"neutral","sentiment_score":0.011073058284819127}],"sentiment":"neutral","sentiment_score":0.018154967296868562,"channel":0,"num_words":10,"start":1442.37,"end":1448.07},{"sentences":[{"text":"So that's the amount that's going into my account.","start":1451.12,"end":1453.46,"sentiment":"neutral","sentiment_score":0.05355247110128403},{"text":"So that's after I've been taxed and and put in.","start":1453.76,"end":1456.58,"sentiment":"neutral","sentiment_score":0.007994595170021056}],"sentiment":"neutral","sentiment_score":0.029574641663777202,"channel":1,"num_words":19,"start":1451.12,"end":1456.58},{"sentences":[{"text":"Oh, you were talking about the income.","start":1457.355,"end":1458.875,"sentiment":"neutral","sentiment_score":-0.04046229991529669},{"text":"Sorry, mate.","start":1458.875,"end":1459.515,"sentiment":"neutral","sentiment_score":-0.1295349821448326},{"text":"That was","start":1459.515,"end":1460.1749,"sentiment":"neutral","sentiment_score":-0.11544196307659148}],"sentiment":"neutral","sentiment_score":-0.07028999907726591,"channel":0,"num_words":11,"start":1457.355,"end":1460.1749},{"sentences":[{"text":"Yes.","start":1460.32,"end":1460.82,"sentiment":"neutral","sentiment_score":-0.05478008836507797}],"sentiment":"neutral","sentiment_score":-0.05478008836507797,"channel":1,"num_words":1,"start":1460.32,"end":1460.82},{"sentences":[{"text":"very close to another figure I was looking at.","start":1460.41,"end":1462.57,"sentiment":"neutral","sentiment_score":-0.14988974067899916},{"text":"Could you just let me know that figure one more time, please?","start":1462.57,"end":1464.91,"sentiment":"neutral","sentiment_score":0.024339573302616675},{"text":"2","start":1465.61,"end":1466.11,"sentiment":"neutral","sentiment_score":0.005632479675114155}],"sentiment":"neutral","sentiment_score":-0.047786377582021734,"channel":0,"num_words":22,"start":1460.41,"end":1466.11},{"sentences":[{"text":"Two two thousand seven hundred and seventy one.","start":1465.975,"end":1468.7949,"sentiment":"neutral","sentiment_score":0.009107915975619107}],"sentiment":"neutral","sentiment_score":0.009107915975619107,"channel":1,"num_words":8,"start":1465.975,"end":1468.7949},{"sentences":[{"text":"71 per fortnight, and that's after tax.","start":1469.21,"end":1472.03,"sentiment":"neutral","sentiment_score":0.023879399523139}],"sentiment":"neutral","sentiment_score":0.023879399523139,"channel":0,"num_words":7,"start":1469.21,"end":1472.03},{"sentences":[{"text":"Yeah.","start":1473.335,"end":1473.835,"sentiment":"neutral","sentiment_score":0.06146552413702011}],"sentiment":"neutral","sentiment_score":0.06146552413702011,"channel":1,"num_words":1,"start":1473.335,"end":1473.835},{"sentences":[{"text":"K.","start":1475.225,"end":1475.465,"sentiment":"neutral","sentiment_score":0.05372592434287071},{"text":"Just bear with me two seconds.","start":1475.465,"end":1477.485,"sentiment":"neutral","sentiment_score":0.058574073016643524},{"text":"We'll have a look at fortnightly.","start":1480.585,"end":1482.845,"sentiment":"neutral","sentiment_score":0.05186089128255844},{"text":"$2.07 $7.01.","start":1484.28,"end":1487.02,"sentiment":"neutral","sentiment_score":0.023914260789752007},{"text":"So it's just under about 3,600 gross in there.","start":1492.8401,"end":1497.755,"sentiment":"neutral","sentiment_score":0.02647223240799374}],"sentiment":"neutral","sentiment_score":0.041767263474563755,"channel":0,"num_words":24,"start":1475.225,"end":1497.755},{"sentences":[{"text":"$2.07 $7.01.","start":1501.655,"end":1503.3551,"sentiment":"neutral","sentiment_score":0.009072797140106559},{"text":"So based on that, it's saying that you're on a pretty much lower income of about 72,000.","start":1506.535,"end":1513.3099,"sentiment":"neutral","sentiment_score":-0.061804148423321104},{"text":"Does it say how much you've got year to date?","start":1514.97,"end":1516.73,"sentiment":"neutral","sentiment_score":-0.03558989930897951},{"text":"Because I know there's only one month left until end of financial year.","start":1516.73,"end":1519.37,"sentiment":"neutral","sentiment_score":-0.0764589633506078},{"text":"Is it 60 something thousand year to date, or is it more like 80 something?","start":1519.37,"end":1523.1499,"sentiment":"neutral","sentiment_score":-0.049727813651164375}],"sentiment":"neutral","sentiment_score":-0.054882590356691366,"channel":0,"num_words":57,"start":1501.655,"end":1523.1499},{"sentences":[{"text":"Well, that's I'm looking at I'm looking at my what money's gone into my bank 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actually shows me my payslips and all that sort of stuff just does not want to work","start":1528.815,"end":1534.2,"sentiment":"neutral","sentiment_score":-0.27489238157868384}],"sentiment":"neutral","sentiment_score":-0.27489238157868384,"channel":1,"num_words":20,"start":1528.815,"end":1534.2},{"sentences":[{"text":"Oh, that's","start":1534.005,"end":1534.4049,"sentiment":"negative","sentiment_score":-0.49327756464481354}],"sentiment":"negative","sentiment_score":-0.49327756464481354,"channel":0,"num_words":2,"start":1534.005,"end":1534.4049},{"sentences":[{"text":"some for","start":1534.2799,"end":1534.6799,"sentiment":"negative","sentiment_score":-0.5971921384334564}],"sentiment":"negative","sentiment_score":-0.5971921384334564,"channel":1,"num_words":2,"start":1534.2799,"end":1534.6799},{"sentences":[{"text":"not 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next","start":1739.3799,"end":1739.7799,"sentiment":"neutral","sentiment_score":0.14456220716238022}],"sentiment":"neutral","sentiment_score":0.14456220716238022,"channel":1,"num_words":2,"start":1739.3799,"end":1739.7799},{"sentences":[{"text":"Thanks,","start":1739.76,"end":1740.16,"sentiment":"positive","sentiment_score":0.6565842628479004}],"sentiment":"positive","sentiment_score":0.6565842628479004,"channel":0,"num_words":1,"start":1739.76,"end":1740.16},{"sentences":[{"text":"time.","start":1739.7799,"end":1740.2799,"sentiment":"positive","sentiment_score":0.6035501956939697}],"sentiment":"positive","sentiment_score":0.6035501956939697,"channel":1,"num_words":1,"start":1739.7799,"end":1740.2799},{"sentences":[{"text":"Pete.","start":1740.16,"end":1740.56,"sentiment":"neutral","sentiment_score":0.3278370797634125},{"text":"Bye.","start":1740.56,"end":1741.06,"sentiment":"positive","sentiment_score":0.3437938094139099}],"sentiment":"positive","sentiment_score":0.3358154445886612,"channel":0,"num_words":2,"start":1740.16,"end":1741.06},{"sentences":[{"text":"Cheers.","start":1741.86,"end":1742.36,"sentiment":"neutral","sentiment_score":-0.1134428158402443}],"sentiment":"neutral","sentiment_score":-0.1134428158402443,"channel":1,"num_words":1,"start":1741.86,"end":1742.36}]},"summary":{"result":"success","short":"During a call with a senior adviser from Oakview Financial, a representative discusses the benefits of consolidating an investment portfolio and provides information on risk profiles and growth opportunities. They emphasize the importance of diversification and the need for a paycheck to sustain a business. The speaker emphasizes the importance of diversification and the need for a paycheck to sustain a business, as well as the importance of staying on top of the insurance. The conversation also covers retirement plans, employment, and income protection, as well as the benefits of life insurance income protection. The representative provides guidance on changing the customer's name and beneficiary policy and suggests a annual catch-up in twelve months. They also discuss the possibility of reducing risk and the process for filling out required documents."},"intents":{"segments":[{"text":"I'm just giving you a call to go through your annual review if you still still have time for me. Yep.","start_word":69,"end_word":89,"intents":[{"intent":"Request review","confidence_score":0.004766959},{"intent":"Send annual review pack","confidence_score":0.025566282}]},{"text":"Now, mate, I'm gonna send through an annual review pack to your email. Just before I do that, just gonna do a quick security check with you, if that's okay. Yep. Cool.","start_word":97,"end_word":128,"intents":[{"intent":"Check security check","confidence_score":0.084111854}]},{"text":"Could you please confirm your date of birth and address then?","start_word":153,"end_word":163,"intents":[{"intent":"Confirm details","confidence_score":0.06734343},{"intent":"Verify information","confidence_score":0.0010803118},{"intent":"Confirm date of birth","confidence_score":0.13278626}]},{"text":"Now I'm popping this through to your Yahoo email address. Will you be able to look onto this with me today, or should I just walk you through the documents?","start_word":173,"end_word":202,"intents":[{"intent":"Request email address","confidence_score":0.0054085883},{"intent":"Provide link","confidence_score":0.0038305456}]},{"text":"The problem is Western Power has cut off the electricity in the whole area, so I'm gonna have to do it off my phone. That's okay.","start_word":213,"end_word":238,"intents":[{"intent":"Discuss problems with western power","confidence_score":0.000032649157}]},{"text":"It'll include a number of attachments like your performance reports, certificates for your insurances, updated financial services guide, and service agreement with us. So there's a few little attachments there. And then it's through our new system, so it's actually going to come through from Odoo, and there'll be, like, a digital authorization there as well, similar to a DocuSign. Yep.","start_word":266,"end_word":326,"intents":[{"intent":"Provide instructions about new system","confidence_score":0.000009307385}]},{"text":"Now is there anything in particular you're hoping to get out of this year's review?","start_word":385,"end_word":399,"intents":[{"intent":"Review goals","confidence_score":0.0026609201}]},{"text":"So you're still, I guess, mostly focused on growing the super as much as you can, but you're not high risk. That'd be like a high growth. Yeah.","start_word":859,"end_word":886,"intents":[{"intent":"Evaluate super growth","confidence_score":0.0025725993}]},{"text":"You've fortunately had a bit of investment in battery tech, which is like your electric vehicles, which is kind of going off this year.","start_word":1214,"end_word":1237,"intents":[{"intent":"Invest","confidence_score":0.0008604495}]},{"text":"Just swinging over to the contributions because I'm kind of looking at what's coming in from work. They're paying in fortnightly, and they're about to change after the financial year that the employers paying in in line with your pay cycle. Are you paid weekly or fortnightly?","start_word":1662,"end_word":1708,"intents":[{"intent":"Update contributions","confidence_score":0.01777732}]},{"text":"Let me have a quick quiz. Nothing.","start_word":1807,"end_word":1813,"intents":[{"intent":"Request a quick quiz","confidence_score":0.000023232533}]},{"text":"I can quickly look up and see how much I'm what my pay is, That Yeah.","start_word":1823,"end_word":1838,"intents":[{"intent":"Inquire about income","confidence_score":0.0060521173},{"intent":"Clarify pay and payment strategy","confidence_score":8.8359825e-10}]},{"text":"That'd be good just to cross reference with you.","start_word":1875,"end_word":1883,"intents":[{"intent":"Cross reference","confidence_score":0.033481035}]},{"text":"Are you still doing facilities coordinator for the department of education?","start_word":1884,"end_word":1894,"intents":[{"intent":"Discuss facilities coordinator","confidence_score":0.011169797}]},{"text":"For some reason, the Internet is not working That's of all alright, the days. man.","start_word":1933,"end_word":1947,"intents":[{"intent":"Inquire about internet status","confidence_score":0.0011312389}]},{"text":"But how are you going cash flow wise? Are you still able to put a put aside 600 to a week, 1,200 a fortnight into savings, or is that kind of stalled at the moment? Yeah.","start_word":2097,"end_word":2132,"intents":[{"intent":"Check cash flow for savings","confidence_score":0.00010361915}]},{"text":"One of the things I wanted to check with you is because of that savings rate, last time we checked, I think you had, like, a home value that's about 620,000, but you didn't really have much owing on it.","start_word":2188,"end_word":2227,"intents":[{"intent":"Check savings rate","confidence_score":0.70676506}]},{"text":"One of the things I wanted to check with you is because of that savings rate, last time we checked, I think you had, like, a home value that's about 620,000, but you didn't really have much owing on it. Have you kind of cleared off the mortgage now, or is it still No.","start_word":2188,"end_word":2241,"intents":[{"intent":"Check debt status","confidence_score":0.013526476},{"intent":"Verify savings","confidence_score":0.0011078262}]},{"text":"Have you kind of cleared off the mortgage now, or is it still No.","start_word":2228,"end_word":2241,"intents":[{"intent":"Clear off mortgage","confidence_score":0.5765077}]},{"text":"And relationship status, I did know that you were trying to do some updates on your beneficiaries, and we still had you married possibly in separation. How's that all going?","start_word":2465,"end_word":2494,"intents":[{"intent":"Check relationship status","confidence_score":0.11872041}]},{"text":"Bless It's you. it's all up in the air. So K.","start_word":2523,"end_word":2533,"intents":[{"intent":"Provide information","confidence_score":0.2641047}]},{"text":"Do you want me to send any sort of refresh forms to change the nominations for who the super and life insurance go to?","start_word":2534,"end_word":2557,"intents":[{"intent":"Change nominations","confidence_score":0.41884962}]},{"text":"Like Is there someone in particular that you would prefer to go to outside of living with your financial dependent? like I mean, Sibling, if if parent? I was to do anything like that, I'd provide it for my sister. Yep.","start_word":2670,"end_word":2710,"intents":[{"intent":"Consider relocation","confidence_score":0.0012377417}]},{"text":"The last thing I wanted to just chat to you about is your Zurich policy. Do you remember you've got, like, life insurance income protection, all that kind of thing? Yep.","start_word":2995,"end_word":3025,"intents":[{"intent":"Discuss insurance policy","confidence_score":0.012313288},{"intent":"Provide information on policy","confidence_score":0.0005989527},{"intent":"Discuss zauberch policy","confidence_score":0.0000018213801}]},{"text":"It's gonna get very expensive towards the late forties, early fifties, but we've got 4,816 a month worth of income protection, which is how much you'd get paid after ninety days up to the age of 65. So let's say you get about more thousand bucks in hand after tax. Would that get you buy bills wise? A thousand bucks.","start_word":3043,"end_word":3102,"intents":[{"intent":"Inform about cost of living","confidence_score":0.0000015307555},{"intent":"Explain cost of insurance","confidence_score":0.028144648}]},{"text":"Again, I don't really have much loan expenses. Yeah. And because you've got all that savings there, that ninety day waiting period makes it way more affordable. Because it's, like, 1,700 a year after the tax rebate, if you chop that down to a thirty day wait so you got access to it earlier, it could jump up to, like, 2 and a half, $3 pretty quickly. Yeah.","start_word":3175,"end_word":3242,"intents":[{"intent":"Apologize for loan expenses","confidence_score":0.0010343918}]},{"text":"And because you've got all that savings there, that ninety day waiting period makes it way more affordable. Because it's, like, 1,700 a year after the tax rebate, if you chop that down to a thirty day wait so you got access to it earlier, it could jump up to, like, 2 and a half, $3 pretty quickly. Yeah.","start_word":3184,"end_word":3242,"intents":[{"intent":"Explain waiting period","confidence_score":0.12219063}]},{"text":"The stock market's going up and down like a yo yo. Still good growth out of the super. I've put a flag on that one investment so that if it is still dragging its feet next time we speak, we'll go for a bit of an update to your portfolio.","start_word":3481,"end_word":3530,"intents":[{"intent":"Discuss portfolio updates","confidence_score":0.03455339}]},{"text":"And are you okay to do that annual catch up in twelve months?","start_word":3657,"end_word":3669,"intents":[{"intent":"Schedule a catch-up","confidence_score":0.004337811}]},{"text":"Well, I mean, the problem is I've got to actually start logging these things as well, which is another one of my problems I I never do. Yeah.","start_word":4416,"end_word":4443,"intents":[{"intent":"Explain how to register","confidence_score":1.2495826e-7}]},{"text":"Once you get into that Odoo sign, what it tends to do is it lets you scroll through the two documents, the service agreement and a tax file number opt in form, just to make sure you're still okay for us to hold that number because it is quite important and, you know, cybersecurity issues and so on.","start_word":4573,"end_word":4630,"intents":[{"intent":"Describe odoo sign","confidence_score":0.006005581},{"intent":"Explain sign functionality","confidence_score":0.012965472},{"intent":"Discuss security issues","confidence_score":0.000117516}]},{"text":"Mate, if you have any questions for that, just give us a buzz or a text. No worries.","start_word":4685,"end_word":4702,"intents":[{"intent":"Encourage questions","confidence_score":0.00061763305},{"intent":"Answer questions","confidence_score":0.0031697121}]},{"text":"I really appreciate you taking the time today.","start_word":4705,"end_word":4712,"intents":[{"intent":"Express appreciation","confidence_score":0.06429259}]}]},"sentiments":{"segments":[{"text":"Hello. Dan speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.03446343541145325},{"text":"Good morning, sir.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.38912996649742126},{"text":"It's Tommy here from Oakview Financial, one of the senior advisers. How are you going? Yeah. It's not too bad. Living the dream? You know, again, it could be better. Could be better. Could be better.","start_word":6,"end_word":41,"sentiment":"neutral","sentiment_score":0.25226345658302307},{"text":"Could be enjoying the sunny Queensland weather.","start_word":42,"end_word":48,"sentiment":"positive","sentiment_score":0.4181675910949707},{"text":"How's it in WA?","start_word":49,"end_word":52,"sentiment":"neutral","sentiment_score":0.09931685030460358},{"text":"It's nice and cool here. It's a nice day. Great to hear. Great to hear, mate.","start_word":53,"end_word":68,"sentiment":"positive","sentiment_score":0.5893104076385498},{"text":"I'm just giving you a call to go through your annual review if you still still have time for me. Yep. Yep. I'm at home today.","start_word":69,"end_word":94,"sentiment":"neutral","sentiment_score":0.2112783640623093},{"text":"So Perfect.","start_word":95,"end_word":96,"sentiment":"positive","sentiment_score":0.4894750714302063},{"text":"Now, mate, I'm gonna send through an annual review pack to your email. Just before I do that, just gonna do a quick security check with you, if that's okay. Yep. Cool. Now all the calls are recorded for training and quality purposes. I'm registered with ASIC as adviser one two seven three one zero five. Could you please confirm your date of birth and address then? '83, 42 a Melbourne Avenue, New York time. Sensational. Now I'm popping this through to your Yahoo email address. Will you be able to look onto this with me today, or should I just walk you through the documents? I would normally be able to do it quite easily.","start_word":97,"end_word":212,"sentiment":"neutral","sentiment_score":0.08435922861099243},{"text":"The problem is Western Power has cut off the electricity in the whole area, so I'm gonna have to do it off my phone.","start_word":213,"end_word":236,"sentiment":"negative","sentiment_score":-0.35006245970726013},{"text":"That's okay. I've got everything up in front of me, and I just want you to have a bit of time to read through it before you sign anything. It'll include a number of attachments like your performance reports, certificates for your insurances, updated financial services guide, and service agreement with us. So there's a few little attachments there. And then it's through our new system, so it's actually going to come through from Odoo, and there'll be, like, a digital authorization there as well, similar to a DocuSign. Yep. And what's that oh my gosh. It's so many attachments. No. That's fine. Mate, the only one I really want you to pull up initially, if you can, is your hub twenty four performance report.","start_word":237,"end_word":361,"sentiment":"neutral","sentiment_score":0.05208684241771698},{"text":"This is good. This is good.","start_word":362,"end_word":367,"sentiment":"positive","sentiment_score":0.7685552835464478},{"text":"Ship insurance summary. Performance and deposits. Yes. That's the one. Last twelve months. That's the one. Yep. Now is there anything in particular you're hoping to get out of this year's review? Well, Well, I'm not really. I'm I'm fairly hands off on this sort of stuff. Yep. So just a bit of a general update, make sure there's nothing we need to change, things like that. Not that I can think of. No changes Cool. that I can think of. No. Alrighty. Now I'm just gonna go through Hub first, and then I'm gonna go and confirm some of the details we've got on file just to make sure the new system is accurate, and then I'll just finish off with the insurances and estate planning. Just quickly touching base on your goals, mate. We had you with a bit of a retirement goal, age 65, obviously focusing on growing the super, but there was a few more personal goals about getting some investment properties and having them supplement your your retirement, your wealth creation. Is that still the main focus for you at the moment? Look. Again, I'm I'm I don't know what I'm doing myself. Really? Yep. Looking for a bit of direction or on a bit of a holding pattern for a little while. Pretty much. Yeah. Yeah. I'm just not really planning on doing anything outrageous at the moment. Yep. Yep. K. Do you want me to put any of those kind of on hold, or is that something you still wanna keep there for the next, say, three to five years? So what does that actually involve? So really just tracking down alongside the super, how you're going towards purchasing properties and things like that if you still wanna actively accumulate those over Okay. the next few years. We've got I don't know. I don't I don't think so. Yep. K. I can sort of chop them off for the time being, and we can just focus on the super side.","start_word":368,"end_word":704,"sentiment":"neutral","sentiment_score":-0.013150803744792938},{"text":"And if anything else pops up, we can always touch base on that next year as well. Yep. Cool.","start_word":705,"end_word":723,"sentiment":"positive","sentiment_score":0.36112701892852783},{"text":"Now one of the things with the super so I'll give you a quick rundown from what I can see. So we had all of your super sort of finished off consolidating around this time last year. You were sitting at about $136. You're sitting at $156.04 $4.09 at the moment. Now do you remember that you're in kind of like a a growth portfolio, sort of four out of five on the risk scale, mostly in growth assets like shares and property. Does that ring a bell? Is this property a a growth growth, is it? Not necessarily property, but just with your super. We've got, I guess, property shares and gold, I would call growth assets, high risk, high return, as opposed to, like, a savings account or a term deposit. Yeah. K? So you're still, I guess, mostly focused on growing the super as much as you can, but you're not high risk. That'd be like a high growth. Yeah. K? As far as the returns go, I mean, the market's kind of had a bit of a tank over Christmas time with what happens in Iran and the fuel crisis, but you're still up just shy of 10% after fees, which is kind of above the benchmark for your risk level that we're aiming for. Okay. K. That's So good. was expecting to give you a call and say, hey, mate. You're you're a little bit in the negative, but you're still up, again, $20 for the year, including, I guess, contributions in the growth of the super. So How much is the how much is the super providing or the gross. Sorry. In compare in comparison to the it's contributions. yeah. Yeah. Yep. So it's about $10.11 grand of contributions and about $15 worth of growth. That's interesting. Okay. Cool. And why do you say interesting, like, good or not Yeah. what you No. expected? I yeah. I'm not sure what the like, again, I I don't really follow all this sort of stuff. Yeah. Well, one of the things I can kind of, I guess, give you a bit of a tip on is that now that you're sitting at well over $150, we are expecting that in the years where the super goes up and the stock market goes up, that you're getting more growth than your contributions, which is not what you would have been experiencing for the first, say, ten, fifteen years of super. You would have had more going in from work than it was growing because it's all percentage returns. You know? 10% of 150 is a lot, lot more than when you had $30 in there. Yeah. Makes sense? Yeah.","start_word":724,"end_word":1175,"sentiment":"neutral","sentiment_score":0.06059053147920465},{"text":"Perfect.","start_word":1176,"end_word":1176,"sentiment":"positive","sentiment_score":0.5695399045944214},{"text":"There's a couple of things in there. That performance report, the first page lists all of your different investment options. Second page is your total portfolio all in one line.","start_word":1177,"end_word":1206,"sentiment":"neutral","sentiment_score":0.20680786669254303},{"text":"Most everything has grown pretty damn well. You've fortunately had a bit of investment in battery tech, which is like your electric vehicles, which is kind of going off this year. 98% return there, which is sensational.","start_word":1207,"end_word":1243,"sentiment":"positive","sentiment_score":0.4729612469673157},{"text":"Gold's up 26. Shares are up fourteen and eleven.","start_word":1244,"end_word":1252,"sentiment":"neutral","sentiment_score":0.2666959762573242},{"text":"So that's all looking good.","start_word":1253,"end_word":1257,"sentiment":"positive","sentiment_score":0.48221439123153687},{"text":"You did have one out of the eight options dip into the negative there, which is your Australian shares. So I've got to keep a bit of an eye on that one because one out of seven having a bit of a dip, not too bad, still overall doing really good. But if that continues for any period of time, I may need to switch that option out. Yeah. K? Now because it's above benchmark, I don't feel like we need to go and overhaul your investments right now unless there's any major concerns on your end, Dean. Nothing nothing I can think of. K. The gold What I would is gold is going good, which is interest which is great. I've I I know quite a few people who are interested in in purchasing gold.","start_word":1258,"end_word":1393,"sentiment":"neutral","sentiment_score":-0.025712285190820697},{"text":"Yeah. It had a really stellar year last year, and it's one of those things we're adding a bit of those.","start_word":1394,"end_word":1414,"sentiment":"positive","sentiment_score":0.5231469869613647},{"text":"We call them an alternative asset because it's not a share or a property.","start_word":1415,"end_word":1428,"sentiment":"neutral","sentiment_score":0.3023907542228699},{"text":"And just having that extra little diversification really paid off pretty damn well.","start_word":1429,"end_word":1441,"sentiment":"positive","sentiment_score":0.5569270253181458},{"text":"Yeah. So Yeah. what's it called? Silver? Silver went downhill. It had a bump, and then it went straight down again, didn't it? Or Yeah. That's right. Both gold and silver had a huge jump up to Christmas, and then all of a sudden January, February hit, and they had a bit of a tumble. And that's pretty I mean, once you go up a 160%, it drops 40. Most people are still up a 100%. So it's been Yeah. a pretty crazy Well and it's twelve to months. be to be expected, I guess. Yeah. And that's why we don't put everything into one kind of asset. That's why we use buzzwords like diversification because you don't want Yeah. your super jumping up and down 80% a single year. Wanna spread it around a little bit and get a bit more guarantee of where you're going. Now the only other two things to note, mate, was cybersecurity and property. Tiny little negatives about 5% there. That's mostly just, I guess, cyclical is what I would say. Everything going on with AI at the moment, you'd expect cybersecurity to kind of jump up next year, and property kinda does what it does based on what happens in the news, federal budgets, things like that. Yeah. So nothing too concerning there. Just swinging over to the contributions because I'm kind of looking at what's coming in from work. They're paying in fortnightly, and they're about to change after the financial year that the employers paying in in line with your pay cycle. Are you paid weekly or fortnightly? I'll pay for it, Riley. Fortnightly.","start_word":1442,"end_word":1714,"sentiment":"neutral","sentiment_score":-0.025822957984475425},{"text":"Cool. So they've already done it ahead of time, which is good. That means more invested, more regularly, smooth things out a little bit, which is good for you.","start_word":1715,"end_word":1743,"sentiment":"positive","sentiment_score":0.49475693702697754},{"text":"But based on the contribution rate I'm seeing, if it if they're just paying a standard 12% into your super, it looks like your income's jumped up to about 92 and a half grand from the $80 that we previously had unless they're paying you a higher percentage. Have you had a bit of a pay rise? Or I don't know. k. Let me have a quick quiz. Nothing. If I go to This is online. 8401. Let's see. I can quickly look up and see how much I'm what my pay is, That Yeah. makes Even if it's just like a fortnightly gross pay or even the year to date, I can kinda just double check that sense. it's getting close to the 90 mark rather than the 80 mark. That'd be good just to cross reference with you. Are you still doing facilities coordinator for the department of education? Yes. Yep. Okay. So no changes there. Still mainly computer work and things like that and checking safety standards. Yep. Safety standards Yep. dealing with tradesmen, the cleaners, the gardener, Yeah. you know, compliance, that sort of stuff. For some reason, the Internet is not working That's of all alright, the days. man. Please. Again, with the the power and everything, probably not your not your morning so far, but I can kind of work back and use that if you're comfortable. I mean, I have my data on my phone connected, but even that's not really running too well.","start_word":1744,"end_word":1994,"sentiment":"neutral","sentiment_score":-0.02499498233970893},{"text":"I don't know what's going on. It's quite quite annoying.","start_word":1995,"end_word":2004,"sentiment":"negative","sentiment_score":-0.545821487903595},{"text":"That's alright. Do you mind if I kind of put it down there as a a tentative income of about 92 and a half unless you've got an idea of what the tax return is looking like? Yeah. Yeah. Go ahead. Yeah. That that should be fine. Cool. You're not aware of them paying you, like, a higher percentage of super or anything like that? Any new EBAs or agreements at work? Not that I'm aware of that.","start_word":2005,"end_word":2082,"sentiment":"neutral","sentiment_score":-0.03083907440304756},{"text":"That's Normally, fantastic.","start_word":2083,"end_word":2085,"sentiment":"positive","sentiment_score":0.36369913816452026},{"text":"that sort of stuff requires fine. Yeah. Oh, that's fair enough. But how are you going cash flow wise? Are you still able to put a put aside 600 to a week, 1,200 a fortnight into savings, or is that kind of stalled at the moment? Yeah. No. I'm I'm making quite a bit of I'm putting money aside here quite a lot. I've saved up quite a bit, and I've you know, last month, I've spent quite a bit as well on a whole bunch of things in my house that I'm preparing, a new car, that sort of stuff. Yeah. One of the things I wanted to check with you is because of that savings rate, last time we checked, I think you had, like, a home value that's about 620,000, but you didn't really have much owing on it. Have you kind of cleared off the mortgage now, or is it still No. I I don't have anything wrong on it. yeah. That's right. So I think it was, like, $2 last check possibly a year Yeah. ago or earlier. So It would debt have been free on the would mortgage. have been at least two or a year or two years ago at least Yeah. when you when you first started because there was a bit of Yeah. there was a bit of lag in getting everything up and running with your with your group. And I'm assuming the new car you bought is not valued at $10 like the old one? No. This would be 25 at least. Not bad at all. And if you don't mind me asking, just a rough estimate in savings if you've got a rainy day fund or anything like that. I've got oh, yes. This doesn't wanna work for me. I've got about, I think, 8,000 savings at the moment and about 8,000 cash. 8,008 thousand, was it? Yep.","start_word":2086,"end_word":2405,"sentiment":"neutral","sentiment_score":-0.0028956654266949046},{"text":"Fantastic.","start_word":2406,"end_word":2406,"sentiment":"positive","sentiment_score":0.4360325336456299},{"text":"Pop that in. And no crypto or shares or anything scrolled under the mattress there? No. Fantastic. Alright. Last two questions, mate. Liabilities and your loans? No. No loans at all. K. You're not a member of any foreign tax residency or anything like that? No. Just another sort of new check we've got to do just quickly. And relationship status, I did know that you were trying to do some updates on your beneficiaries, and we still had you married possibly in separation. How's that all going? Look. Everything's a bit all over in up in the air at the moment. So Yep. So still on the holding pattern a little bit. excuse me. Yeah.","start_word":2407,"end_word":2522,"sentiment":"neutral","sentiment_score":-0.01529209232278939},{"text":"Bless It's you.","start_word":2523,"end_word":2525,"sentiment":"positive","sentiment_score":0.46210378408432007},{"text":"it's all up in the air. So K. Do you want me to send any sort of refresh forms to change the nominations for who the super and life insurance go to? Because I know you were looking to do that previously. yeah. I asked about that, and they said you I like, they said, like, I can't change anything at the moment. Oh, in terms of who's a valid nomination or something like that. Yeah. And I'm like, look. If I leave alone, who do how can I who who can I who can I give this to then? Because the guy like, yeah, it has to be someone who's a beneficiary who who you'll what's the term? Financial Someone independent. who lives with Yeah. you or yeah. And I'm like, like, if I'm if I'm the owner, what do I do then? Like Is there someone in particular that you would prefer to go to outside of living with your financial dependent? like I mean, Sibling, if if parent? I was to do anything like that, I'd provide it for my sister. Yep. Because folks are my folks are getting a bit on in a year. So Well, so, yeah, there is I one found it thing very you odd that can I couldn't do. I couldn't nominate whoever I wanted to. Yeah. The the beneficiary laws are a little bit strange like that. It's gonna be dependency and things like that.","start_word":2526,"end_word":2769,"sentiment":"neutral","sentiment_score":-0.07013999670743942},{"text":"But I do have some sort of good news for you. Your life insurance can essentially go to anybody. That one's easy. So if you want to nominate your soup your sister for the life insurance, you can do that.","start_word":2770,"end_word":2809,"sentiment":"positive","sentiment_score":0.430793821811676},{"text":"And then when it comes to the super, if you nominate your estate, it goes in line with all your other assets, cars, shoes, house, bank savings, and things like that. And in a will, if you put one of those in place, you can say, hey. It goes to sister or whoever. Yeah. So do you want me to kind of get at least the life insurance switched over to her and kind of fix up the super one to go to your name? To go where? Sorry? So if you put it to your name, which is your estate, then if you put Yep. in place a will, you can be a bit more specific in where it goes. Okay. Yeah. I guess that's the one thing to do.","start_word":2810,"end_word":2940,"sentiment":"neutral","sentiment_score":0.0970370666557596},{"text":"Yep. Cool. Otherwise, because it's binding the other way, it's literally direct.","start_word":2941,"end_word":2952,"sentiment":"positive","sentiment_score":0.379174143075943},{"text":"If you pass away tomorrow, it would all just go straight to that one person with basically Yeah. no questions asked. K. Mate, Yep. I'll put a bit of a note on, and the team can guide you through that pretty easily. The last thing I wanted to just chat to you about is your Zurich policy. Do you remember you've got, like, life insurance income protection, all that kind of thing? Yep. So just double checking this is still all good because the prices haven't really jumped up much. It's gonna get very expensive towards the late forties, early fifties, but we've got 4,816 a month worth of income protection, which is how much you'd get paid after ninety days up to the age of 65. So let's say you get about more thousand bucks in hand after tax. Would that get you buy bills wise? A thousand bucks. How often? Sorry? Let's say $2 a fortnight in hand if you're injured for six months. Yeah. I should be able to get by with it. Yep. So that's protecting income of about $82.05 60. If you wanted, you could bump it up a little bit if your income really is $90. But if you're happy with that amount, you can keep it like that. Yeah.","start_word":2953,"end_word":3168,"sentiment":"neutral","sentiment_score":0.13062860071659088},{"text":"I think that'll be fine. Cool.","start_word":3169,"end_word":3174,"sentiment":"positive","sentiment_score":0.3663157522678375},{"text":"Again, I don't really have much loan expenses. Yeah.","start_word":3175,"end_word":3183,"sentiment":"neutral","sentiment_score":0.0954781249165535},{"text":"And because you've got all that savings there, that ninety day waiting period makes it way more affordable. Because it's, like, 1,700 a year after the tax rebate, if you chop that down to a thirty day wait so you got access to it earlier, it could jump up to, like, 2 and a half, $3 pretty quickly.","start_word":3184,"end_word":3241,"sentiment":"positive","sentiment_score":0.381173312664032},{"text":"Yeah. The only other thing is TPD and life insurance of 378,000. That's only costing about 600 out of the super per year, $6.29 30.","start_word":3242,"end_word":3266,"sentiment":"neutral","sentiment_score":0.16682330131530762},{"text":"So that's your least expensive of the two.","start_word":3267,"end_word":3274,"sentiment":"positive","sentiment_score":0.4734172224998474},{"text":"I know you don't really have the debts there, and the life insurance will probably go to your sister. But if you're in a car accident, you break your back, you get your income protection, and you get 378,000 from Zurich plus your super on top, which puts you at a half a mil. Does that sound right for you? I guess so. K. Outside of that, I mean, $500 invested in pension style, if you had a broken back, you could make that last quite a while. Especially if you keep it conservatively invested, you could probably live off that for a good ten, twenty years plus your income protection. You'd pretty much be on a similar similar wicket all the way up until pension age. Yeah. K? So I'll keep an eye on those because the next anniversary is January. If that jumps up, we can always trim it down or shop around. But at the moment, it's looking alright. Any concerns on your end there? Nothing that I can Cool. think Right. That's pretty much the main areas I wanted of. to cover with you today. Any questions so No. far? No. Nothing that I can think of. No. K. So quick recap. The stock market's going up and down like a yo yo. Still good growth out of the super. I've put a flag on that one investment so that if it is still dragging its feet next time we speak, we'll go for a bit of an update to your portfolio. The insurances will kind of keep in place at the time being. We'll switch around who they go to, and that's pretty much it for the time being and let you get through what you need to and reconvene once everything's a little bit more stable for you. Yeah. K? Any other areas of advice you wanna talk about or anything else I can help you with? Not really. No. Again, I'm not too not too sorry with this sort of stuff. I just let it all do its thing. Yeah.","start_word":3275,"end_word":3621,"sentiment":"neutral","sentiment_score":0.11424627155065536},{"text":"Well, thank you for trusting us for looking after your super in the background. I'll make sure it keeps doing its thing in the background so you don't have to worry about it too much.","start_word":3622,"end_word":3656,"sentiment":"positive","sentiment_score":0.511060255765915},{"text":"And are you okay to do that annual catch up in twelve months? Do you want me to pencil in a bit earlier? What's your contact preference?","start_word":3657,"end_word":3683,"sentiment":"neutral","sentiment_score":0.14385250210762024},{"text":"Twelve months is fine, I think. Yep.","start_word":3684,"end_word":3690,"sentiment":"positive","sentiment_score":0.3533433973789215},{"text":"If anything pops up in between, like, you can obviously give us a call, and we can get you booked in with me to have a chat, especially if there's any major changes finance wise or personal wise. But outside of that, we'll just keep an eye on things until the review. In that pack that I've sent you, there's obviously a service agreement there as well. So if you're still comfortable for us to look after things for the next year or so, it's still just the same fees. 1.65% that gets spread monthly throughout the year, and you get a 15% tax rebate off of that. Once we get you to 600,000, which might seem like a world away, we do cap it. So we do get clients to get up to a mill, two mill. We obviously can't be charging $30.40 grand for the same service no matter how good it is, but we'll make sure we try and get you there as quick as we can. So in terms of yeah. No.","start_word":3691,"end_word":3866,"sentiment":"neutral","sentiment_score":0.2313462346792221},{"text":"This is not working. Never mind.","start_word":3867,"end_word":3872,"sentiment":"negative","sentiment_score":-0.4662790894508362},{"text":"Still having the tech issues there? Yeah.","start_word":3873,"end_word":3879,"sentiment":"neutral","sentiment_score":-0.27561554312705994},{"text":"It just doesn't wanna work for me.","start_word":3880,"end_word":3886,"sentiment":"negative","sentiment_score":-0.3471046984195709},{"text":"Do you want me to pencil in for any kind of catch up next week for any of the details that you're trying to get into for the email there or just leave you to it? And if we don't hear back, we'll give you a buzz next week. I can just quickly check one thing. Yep. Let me have a look. 2771. 2771. So that Correct. is after Hang on a second. Let tax. me have a quick look. That's before the tax rebate. So that's the amount that's going into my account. So that's after I've been taxed and and put in. Oh, you were talking about the income. Sorry, mate. That was Yes. very close to another figure I was looking at. Could you just let me know that figure one more time, please? 2 Two two thousand seven hundred and seventy one. 71 per fortnight, and that's after tax. Yeah. K. Just bear with me two seconds. We'll have a look at fortnightly. $2.07 $7.01. So it's just under about 3,600 gross in there. $2.07 $7.01. So based on that, it's saying that you're on a pretty much lower income of about 72,000. Does it say how much you've got year to date? Because I know there's only one month left until end of financial year. Is it 60 something thousand year to date, or is it more like 80 something? Well, that's I'm looking at I'm looking at my what money's gone into my bank account. Yeah. The Yep.","start_word":3887,"end_word":4140,"sentiment":"neutral","sentiment_score":-0.01973440135484488},{"text":"the program that actually shows me my payslips and all that sort of stuff just does not want to work Oh, that's some for not working. some reason.","start_word":4141,"end_word":4168,"sentiment":"negative","sentiment_score":-0.36086639761924744},{"text":"Okay. Cool. Yeah. That's the that's the one I've been having issues with. Okay. Well, just because that's a huge difference between the two potential figures, do you mind if I get the team just to reach out with an email? And once you can get into the system, if you could just flick us, like, a copy or a payslip or something like that just to confirm. Because if it's a $20 swing, I just wanna make sure I don't need to adjust anything. Yeah. No. I'm I'm pretty sure I'm I'm close to, obviously in the high eighties at the very least. Yeah. And that's what I'm thinking. Like, based on what's going in in the contributions, I'd expect about 92. But if you're only doing Yeah. 2,700 a fortnight, that's more like $72, which is oh, no. $72 in pocket. 93. Yeah. That actually pretty much matches up, I think. I was Yeah. flipping my gross and my net around, so $92.93, you'd probably expect to get. And they don't give you any other, like, bonuses or supplements or anything? No. No. Not not all the department. No. Cool. No overtime or anything like that? Not really. Cool. They do, as I said, pay in lieu, but I spent time in lieu is what they'd give you. They don't give you any overtime. My favorite kind of leave is do the extra So hours, get time and load that you probably won't take. yeah. Well, I mean, the problem is I've got to actually start logging these things as well, which is another one of my problems I I never do. Yeah. You just do it anyway, and that's it. Move on. Go home for your day. Yeah. So if I was a bit more disciplined in that regard, I'd probably be able to have a bit more time. Days off here and there. That'd be good. And are you still looking to take any leave into Europe or Asia or any travel? No. Not at the moment. No. None at the moment. We'll park that for a little bit. No. Alrighty. I'm not going anywhere. Cool, though. I won't need to email you anymore. That's perfectly fine for the details. Dean, any other last questions for me before I let you go for the week? No. I think that is it. I don't have anything else to talk about. Cool. Once you get into that Odoo sign, what it tends to do is it lets you scroll through the two documents, the service agreement and a tax file number opt in form, just to make sure you're still okay for us to hold that number because it is quite important and, you know, cybersecurity issues and so on. Once you scroll through and read them, there's little purple buttons that'll bring you to signature spots and dates. It'll automatically stamp your name on it. But if you wanna draw a signature on there, you just click on the box, and it'll pop up and let you draw it on there. Yeah. Cool. Mate, if you have any questions for that, just give us a buzz or a text. No worries.","start_word":4169,"end_word":4702,"sentiment":"neutral","sentiment_score":0.02678469018068876},{"text":"Awesome. Look. I really appreciate you taking the time today. Everything's kind of in good hands for now. I'll keep an eye on things for that next catch up. And, mate, I hope you have a fantastic year, and I hope when I speak to you next, we've got a few ideas and things are on the up and up. Yeah. Awesome, That's the Dean. plan. Have a fantastic day, mate.","start_word":4703,"end_word":4773,"sentiment":"positive","sentiment_score":0.6775194314164175},{"text":"Anything else for me before I go? That that was it.","start_word":4774,"end_word":4784,"sentiment":"neutral","sentiment_score":0.3000260889530182},{"text":"Easy.","start_word":4785,"end_word":4785,"sentiment":"positive","sentiment_score":0.34803080558776855},{"text":"Alright. I'll catch you soon, See you later. See mate.","start_word":4786,"end_word":4795,"sentiment":"neutral","sentiment_score":0.25706377625465393},{"text":"you next Thanks, time.","start_word":4796,"end_word":4799,"sentiment":"positive","sentiment_score":0.46823224425315857},{"text":"Pete.","start_word":4800,"end_word":4800,"sentiment":"neutral","sentiment_score":0.3278370797634125},{"text":"Bye. Cheers.","start_word":4801,"end_word":4802,"sentiment":"positive","sentiment_score":0.45697021484375}],"average":{"sentiment":"neutral","sentiment_score":0.07176523673125798}}}}