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That is okay. Now what I will do is I will send you an email with some documents. If you don't have the option of accessing them right now, if you're obviously a bit busy, that's okay. I can always run through them with you if you don't have any questions when you have. Perfect. So what I'll do is I will send this to you now. And just just before I do go any further as well, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect. That's exactly what I have here. Now just before I do jump into the annual review, I'd like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on. No. Yes. And that is perfectly fine. The reason I do ask is sometimes there are specific questions that you may have thought of that you wanna do, and then I can focus a bit more on it. But most people are quite similar to you. They're just like, oh, maybe as we go through things, there might be questions. Or for most people, it's just to have a bit of an update, especially if it has been a little bit since we did a bit of an under review. It's just to kinda give a bit of an overview of, you know, what's happened, which is perfectly fine. Now just before I jump into the documents and run through that review, I do like to just run through just a bit of an updated fact find with you first just to make sure if there's anything that has changed in your life that might need us to potentially change or also be advised at all. So just bear with me as I go through this information. Now I do have you down here the personal information. I have you down here as single with no financial dependent. Is that correct? Yep. Perfect. Now next up, can I have your sister Jody nominated? Is that still the case? Yep. Perfect. And I have phone number ending in 639. Do you know if it's changed or would be the same? Yep. Perfect. Perfect. Now occupation wise, I have you down here as a social worker. Is that still the case? Perfect. Affiliate. And are you still working for yourself, or is it yeah. Yeah. And are you enjoying it? Yeah. Yeah. Perfect. And have you been doing it for long? Oh, yeah. Yep. Yes. Still essential. And the at least being self employed would have, obviously, benefits and I'm sure we struggle times as well, but at least you can kind of choose a little bit yourself at times with hours and stuff. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. And do you have a a couple of clients that you work with now? Yeah. Oh, that's not good. Yeah. No. Oh, wow. Yeah. Yeah. Oh, that's great. Yeah. Yep. Yeah. You gotta you gotta you gotta prioritize, you know, different things that time. That's that's fine. Yeah. Oh, that's good. And sometimes you do need a bit of a break, especially if it's been a lot and, you know, there are changes. You do need a bit of a break before you can kinda get back into it and reset again. Yeah. Oh, that's good. And do you have any other holidays kind of planned or not really at the moment? Yeah. Oh, wow. Yeah. Yeah. Yeah. Yeah. Right. Yeah. Yeah. At least at least you're working through it and now you have some good clients, and, hopefully, you'll be able to some, you know, some, you know, evening and overnight days as well for you. And how many hours would you say? Obviously, you said Monday to Friday. Is it, like, around the thirty eight hours? Or mhmm. Yep. Yep. Yes. Mhmm. Yeah. Yep. Yeah. Yeah. Yeah. Yeah. Definitely. Yeah. Oh, that's good. Well, listings are, you know, kind of back on track for you now. And and do you know roughly what your income would be? Obviously, I know that it can fluctuate with doing after hours and e like, overnight stays, but do you know roughly what you would be on? Mhmm. Mhmm. Everything. Yes. Yep. And is that 1,200 after tax or before tax? Oh, yeah. Yeah. Yeah. Yes. Literally. Definitely does that. And with your arrangement at the moment, do you pay yourself superannuation, or is that kind of part of the contract? Or how does that work? Yeah. Perfect. Yep. Yep. Yes. Yes. Just stay out of it all. And with the the contributions as well, do you make them straight into your net worth account as well, or do you have them, like, sitting for a while? Yes. Yeah. That yeah. And it has been the last twelve months, there's been a lot of fluctuations in the world and, obviously, everything going over in The US, and then, obviously, the Trump and the tariffs, there was a lot of fluctuations. Yeah. Yep. Yeah. Yeah. Yes. Yeah. It is it is, especially when there are a lot of fluctuations. And, you know, sometimes as well, it's like, well, you can look at it. Well, while the prices are down, it might be a good buying opportunity as well because you can for it. So it is that kind of like, it's sometimes hard because you are down. So you might not want to, but then sometimes it can be good as well if it's good investment. Sorry. Very much sorry. And with your investments, actually, while we are talking about it, did you see the email about the investments which that we made for you? I think it was yeah. Perfect. So, actually, while we yeah. No. No need to sign it. So while we are talking about it, actually, I might get you to access your emails if you can. And then before you click on the link so when you click on the link, it will get you to sign the documents. But before I get I'll ask you to do that is if you can actually see the attachment. Now you should see one where it says asset performance. Can you that one okay? That yes. Yep. That one. Yep. Sorry. That one here will show you your portfolio. Like you said, as well, there has been a lot of fluctuations in the last twelve months, which is reflected on it. So I'm just waiting for this one to come up here. And this one here, it shows you the portfolio over the last twelve months after all fees. So as as you have a look at it, it can look a bit messy, but it breaks down all your all your investments and how they have performed. And when you have a look at it, so you can see the opening value, the close value, and then you can see the return. So the return percentage column, which is the second one to the right. Can you see that one? Yeah. But you can see that the market has been quite fluctuating. So you can see, for example, your gold investment that was up 49.95%, which is crazy. You can then see that Benelong investment that was down 18. This is the one we swapped out for you. Exactly. So this one has been swapped. It was originally added to your portfolio because it was doing really well. The purpose behind it was to have your active component. So that is a active manager, and they were kind of trying to actively buy and sell different investment in order to try to outperform the market. And they had been quite success successful, which is why it was added to your portfolio. They were one of the best performing fund managers at the time. More recently, they have underperformed. But we've done a lot of invest a lot of research into the investment. Some of it was the fund manager itself. They've kind of made some convictions to different investments that just haven't played out. But also one of the investments that they had in their portfolio was the corporate travel group. I'm not sure if you heard about it, but there was a bit of issues with their reporting, which actually meant that they were suspended from trading. So because of that, yeah, sorry. It wasn't them per se, but one of their holdings that did it. That caused everything to kind of fall down as well. So, obviously, having yeah. So having a bit of, you know, more, like, in-depth research into the Benelon, sometimes when things are down, if it is more like you're cyclical, sorry, what's going on in the market. So the cybersecurity, for example, is one of them where it's a bit more what is going on in the market right now. There's not really structural changes. Then along, we feel wasn't going to improve very much or not enough to warrant staying in it. So that's why we wanted to change it. Now with your portfolio, we obviously wanna keep the the structure and everything like that. So we swapped that one for another Australian equity. So swapping one for another one, still focusing on investing in the Australian equity component. So we just swapped it for the a 200, and that one essentially tracks the 200 largest companies listed on the ASX in Australia. Yeah. So by doing the switch as well, it has actually reduced the investment fees a little bit. It is a little bit of a cheaper investment, which is good, And then it has also performed a lot better historically than Zenelog. So that was the change that we made. So we do think that, obviously, that's going to make more of a difference to your portfolio for the next twelve months, which which is good. And then also as you kind of see that the most of the other investments are doing reasonable considering what is going on in the market. You can even see, you know yeah. So you can even see your beta shares one. That one's up 24%. You can also see, like, the bank hybrid. That's one more of your defensive investments. So that kind of been added through limit fluctuations a little bit, which means that it won't tend to grow as much because it's one of those defensive. That five, the one under it, again, is your another defensive investment. And then you have the international equity. So like I said, the cybersecurity, I'm seeing a bit of fluctuations in the market. There are a lot of opportunities in this space, obviously, with AI and technology and everything. So there are opportunities. And then you can even see the Better Tech and Lithium that's gone up 67%, which is crazy. Yeah. One one of them. Yeah. So that one has kind of gone crazy the last twelve months. So overall, the portfolio has done okay considering what is going on. If we if you scroll on the next page, you will actually see the total portfolio. So in the same report where it says total portfolio net of fees. Now this still tells us that even though including Benelon, which we have changed for you, the last twelve months, your portfolio after fees have still gone up by 9.35%, and that is despite everything going on. So it still has done pretty good when we're looking at what your twelve month period. Yeah. It it is kind of when we let me have a look through because when we are looking at your growth portfolio, which we are yeah. Let me let me get that up for you. And I have let me just get the the research report for you. So between the 03/17/2025 until the March 16 2020 six. Yeah. So just that twelve month period. But but just bear with me as I through. Trying to see if I can find this document. Yeah. Yeah. Yes. But then, obviously, you had COVID, and that's been been a little bit like that. So let me have a look for you. Yeah. Yes. Exactly. Now let me see here. So you're in the growth portfolio. Now while I try to get these documents for you, are you still comfortable with your growth portfolio, or how do you feel about, you know, fluctuations and markets at risk and everything at the moment? Yeah. You you can you can technically access your super at 60 if you retire. Yeah. Do you think more around the 67, or or what do you think? Yeah. To see. Yeah. What's going on? Yeah. Just make it bit of a so I have found a report here for you for your portfolio. So I do have a three year, which is probably more similar to what you were thinking, and that is a three year rolling average. So that is kind of using three years and then averaging it out, which is probably most of what we are thinking. Your portfolio is about 13.87 when we are using three years. So, yeah, so some years, it would have been a little bit higher, some a little bit less. So having that and that is typically before fees as well. The eight point sorry. The 9.35 is after all advise fees and administration fees and everything like that. So it's it's actually not too bad considering that. But, again, we have swapped out your benedalung for you, so, hopefully, that will then improve the next twelve months. Exactly. Let me see here. So on that report, just a a bit of both. Mhmm. But overall, even in the last twelve months, so even though Benelon has gone down, the other investments have gone up. So even in the last 12 months correct. So even in the last twelve months now, depending on when in those twelve months, like, if you pulled a report one day, because what tends to happen is, well, that we see the biggest fluctuations are very close together. So sometimes if people get a little bit concerned because there's a big drop in the market one day, very closely followed. So even the next day or next couple of days, we tend to see things going up. So, really, it's only the people who then sell at the bottom, which actually crystallize those losses. So even when you do look at historical graph, which is actually while we are talking about it, one of the other attachments for you there, Melissa, should be one where it says Vanguard index chart. Can you see that one? Can you see that one okay? Yes. If you wanna open that one for me, it kind of can visualize. So this is more like a good visual representation. Yeah. And it breaks down the different asset classes and how things have kind of gone. And if you do look at it, you can see that the biggest drops in the market are quite closely followed by then big increases. So overall, even though in the last twelve months, despite Benelon, your portfolio has still gone up. So you haven't lost any money when we're looking at a twelve month period. It's still gone up for quite a bit. The exactly. Exactly. Now, obviously, if I were to pull one report one day, like, maybe if you one day in that twelve month and then you looked a week after, you could have seen, like, a bit of a drop be between that period depending on when you did it. So that's also what I'd like to do twelve months to kind of show you, well, okay. Because there are fluctuations on a daily, giving a twelve month period shows us, okay. Well, in the last twelve months, even though at some of those times your portfolio was higher than others, overall, it still is a positive. Exactly. Exactly. So overall, it's still good. Right? Yes. Very much so. So so, overall, we're quite happy with it. Now while we are talking about your risk as well, I do wanna quickly run through a couple of multiple choice questions just to see if you'd like and feel like we need to change anything with your risk tolerance. So it is just multiple choice. There is no right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense, Alyssa? Yep. Perfect. Now have you ever bought direct shares yourself? No. Perfect. And you said at the moment, you probably don't think you're gonna start drawing an income from super for at least ten years, did you say? Yep. Exactly. And so next one here is in regards to inflation. So inflation means that things are getting more expensive over time, like you mentioned as well. Your money worth a little bit less and everything is costing more. Now how much of a risk are you willing to take in order to try to keep up with the rising prices? So think about these questions in regards to your superannuation. So are you willing to accept very high risk, high moderate, or a small amount of risk in order to kinda make sure that your superannuation continues to grow more than the increasing prices? Yeah. Exactly. Yes. Exactly. Yep. Mhmm. Yeah. So you are somewhere in the middle. So on the on the scale, we kind of be customized different, but, typically, we have you have your aggressive plus, which is where you are borrowing money to invest. So, obviously very, very volatile. You have your aggressive. We have a high growth. We have a growth, which is where you are currently, and then we have balanced growth and balance. So you are kind of somewhere in the middle at the moment where you are trying to maximize growth in your superannuation as much as possible while you have the time. You are aware that sometimes there will be some ups and downs and market fluctuation, but at the same time, you want a little bit of that defensive. And going back to that Vanguard chart is where you have about 80% invested in the top four. So those are your US shares, Australian shares. Exactly. So these are the one that grows the most, which is obviously we're trying to maximize that growth for you so that you can retire earlier. They also fluctuate the most. So we therefore have about 20% in those bottom three. They're a bit smoother, don't go as much. Exact. Exactly. Yes. Now looking at a time frame point of view, so like you said as well, you wanna make sure that you have enough time in the market for those fluctuations to come back around. In a growth portfolio, we like to allow six years until retirement. So if you are kind of looking around the ten years and you said you do wanna explore your superannuation and wanna make sure it works as hard as it can, and you do have about a six year time frame and more, a growth portfolio is a good position as long as you are comfortable seeing a bit of fluctuations, as long as over the long term, it continues to go up. Do you think you feel comfortable with that? You have the time, but what also plays a role is your risk tolerance. And seeing if you do see a bit of fluctuation that makes you a little bit nervous, I think staying in a growth is good because what you have what's happened in the last one is still good and suitable for you. And if we, yeah, if we bump it up, you will see potentially more fluctuations. So I think, yeah, I think it's a good kind of in between where you are right now. And then, also, you know, the closer you get to retirement, we might wanna then start looking at reducing that a little bit and get more defensive when you have a little a little bit less. So when you have, you know, only a couple of years, we might wanna look at reducing it. Before the interim, I do think that growth from what you are saying, what your time frame is suitable for you. As long as you, yeah, are okay seeing a little bit of fluctuations in the short term to make sure that it continues to grow. Yeah. Yeah. Perfect. Now no. That's okay. If anything does change, though, at any point in time, so it doesn't have to be an unreview time, if anything changes and you are, you know, concerned or you wanna talk more about it, you can always send me an email or call the office, and we can always book you in for a catch up. Even if it's not, like, the full interview, if it's just, like, a quarterly catch up or something, if you wanna talk about it, you're always more than welcome to do so. Yes. No. That's okay. Now let me see here. Otherwise, with the documents while we are on them, what is the next attachment that you can see on your end to make? Let me have a look for you. Inflation average weekly. Yes. So yes. Exactly. So it's what people were making. So, obviously, back back in 1995, 639 a week would give you quite far. And then, obviously, now the average weekly earning is about 1,974. Let me see what it says in the fine print. Usually, it's the full tax. Yeah. Oh, and, obviously, it's on average. So some people earn a lot more and some people earn a lot less. Let me see here if it's the if it's Arthur. Yeah. And that's why I think it's a real really good one to to include, especially when there are bit of fluctuations. Is this good to see it a bit more kind of zoomed out? Yes. Me too. Me too. I obviously like the numbers. No. Oh, yeah. It doesn't actually say if it's after or before here. Typically, I would say it's before, but it doesn't actually say on the graph, which is it was a very good question. I'll see if I can find it find out. But, yeah, they do publish this every year. So every year, they do a bit of an update. They are a little bit so, typically, in 2026, they'll have it. So you can kind of see to June 30. So probably at the end of this financial year, they might release the 2026. So you can even just Google that as well if it's something that you are interested in. Yeah. So then every yes. And then yeah. So every year, they do one, which is good. So then you can kind of see, okay, well, what's happened, which is really good. Now, Melissa, on the last documents there for you, what are the ones that you have that you can see? Can you see a super summary? Yes. Now Yes, please. So that one shows you your super balance. It seems like you go and have a look at it every now and then, which is good. That shows Yeah. So so yes. Yesterday, what we did is 203, 646. Now your other attachments, you can see through that says, HP Financial Services Guide and then also one that says services guide version one. Yeah. Yep. Now these ones here, you would have seen similar before. It's just a bit of an updated version to our financial service guide. It does give you all the important information that you do need to know about us. So if you go, for example, in through the version one document, the the financial services guide version four is just a little condensed version. I'll let you have a look over that in your own time. But that version two, you will see it is quite extensive, but it gives you everything that you need to know. You would have seen this one before. It is just a bit of an updated version. We've had some changes from marketing, which is good, and also an extension to the team. So if you wanna scroll down to page 10, you should see a photo of myself there as well. And sometimes it is nice to put a face to the voice. No. That's okay. It it is a bit of a longer one. Sorry. You will see that. No. That's okay. And you will see me next to Dana. Yes. I think we I think we spoke not last year, but the year before because I do remember yeah. We did. So yeah. Just bit just bit of updated photo there for you. So yeah. That's all in there for you. Now The version the version one is where you have, yeah, it's where you have the advice team. You also see, like, a chief of staff, operations manager. Otherwise, you'll see all the advices in there for you, a marketing and head of administration. If you go on the website, you can then see all the admin team. So, like, Michelle, if you've spoken to her before, our power planning research team, everyone else is on the website for you as well. Yep. Now that was all those attachments. If you then click on the link for me, if that works, you should see two documents. Yep. Yeah. Of course. Okay. No. That's okay. Yes. Yes. So yes. So if you click on that, you should see through through on the document when you click on the link. Now there should be one the first one where it says Netwealth advise fee consent. Can you see that? Yep. Yep. So this one is the the ongoing service agreement. And that is just to say that you are happy exactly. So you are happy to stay on as a client for the next twelve months, but there is no lock in contact. So if at any point in time you are not happy with the service, there is no lock in contact. Otherwise, this essential lets us service and manage your account for you. And then until next annual review, where we would go through this again to see if you are happy to stay on for another twelve months. The advisory is not changing. It stays exactly the same at 1.65 from super. So no changes to that one. And then the last one is just just a compliance form just to say that we have your tax file number secure on file, essentially. Yep. Yes. If you're happy to do that, that would be great. And then we get that loaded. Yes. That works the case for you, Melissa? Yep. Technology sometimes. It's great when it works, but sometimes it's yeah. Oh, yeah. No. That's okay. That's yes. Perfect. While I do kind of oh, actually, I just got notified that you came through, so that's great. So thank you so much for that. Now I do have a couple more questions just to see if anything has changed for you. So just bear with me, then I will let you go and enjoy the rest of your day. Let me see here. If it is at the end of the financial year that you do wanna make another lump sum to superannuation, just just let us know. We can obviously send you the details. And if you then wanna do the notice of intent to claim the tax back, Just let us know, yeah, just let us know a couple of weeks before the end of the financial year just to make sure we have enough time for you. Yep. And just be mindful of their contribution cap as well, which is 30,000. Otherwise, assets and liabilities wise, has anything changed? You said, obviously, you're renting do you have a motor vehicle or anything? Or No. No. Yeah. Do you have any, like, liabilities, personal loans, credit cards, ZipPay? No. Yeah. Yes. Perfect. Health and lifestyle wise, I have you down here as a nonsmoker. Yep. Perfect. Any changes to your health in the last twelve months? No. That's good. And, obviously, we don't have any insurances for you at the moment. You're still obviously happy happy with that? So there are a range of, yes, life insurance and total permanent disability insurance. So if something were to happen and you were unable to go back to work or trauma insurance, if you suffer a traumatic yes. Personal risk insurance. So they are they are very tailored to you. So it it's dependent on age. It's dependent on occupation and health to then then see the cost. So if it is something that you are interested in, the process would be that we would I would book you in for a pre assessment. What that would do is multiple choice questions just to get an in-depth understanding of your health, your lifestyle, and your occupation. From that, we would send that out to all insurers out out there to see what they would offer, then I'll be able to get quotes. So it is a bit of a lengthy process. They do tend to get more expensive the older you get. But if it is something that you want to look at, I'll be more than happy to book you in for a pre assessment if if you wanna look at insurances. Yes. Yes. And they do get the older you get, they get a lot more expensive because in the insurance point of view, there is a higher chance of a risk. Exactly. Oh, yeah. Is that private private health insurance, or is that, like, a bit of a life? Yeah. Yeah. Yeah. Exactly. Yes. And it's pretty pretty reasonable for price because, yeah, they can cost quite a bit the older you get. Yeah. Yeah. Exactly. Yeah. Yeah. Yeah. Okay. Perfect. Well, we can leave it for now. If anything changed, let me know. But, yeah, we can always we can always have a look at it if you want to, but, yes, obviously, the older you get, the more they get quite a bit more expensive. Yeah. Yeah. No. Perfect. No. There is no. That's okay. Yes. Now there is just one thing I do wanna check with you before I let you go, Melissa. Sorry. And that is just your beneficiary form. So on hub twenty sorry. On Netwealth, so your superannuation, if something were to happen to you, I have Jody nominated. I do wanted to check because the superannuation makes it quite difficult on who you can nominate directly through super. They are quite strict on who is a valid nomination. So the the only people that you can have directly through Stupa is a spouse, a child, or someone that you have a financial interdependent relationship with. Basically, what that means is someone that must re rely on you financially. If you were to pass away, you live together and provide, you know, financial domestic and personal care support. Would your sister fall into that category? No. Yeah. Yeah. So they do make it tricky. The good thing is you can still give it to her. We would just have to change the way that it is. So, yeah, so you can still very much give it because I we have so many clients who give that to, you know, brothers and sisters and nephews and nieces or friends. So you very much can still give it to your sister. The only way that we would have to change it is that on the beneficiary form, we would have to change it to say a legal personal representative. What that basically means is saying that it reverts to your will. Now in your will, you can stipulate exactly who you want to give it to. No. It is good. Now you can do different ways. So, obviously, the most comprehensive way is to go through a lawyer. Mhmm. That obviously costs more as well. So that is the most comprehensive. The other way you can do it is even just the post office have will kits, which are a lot cheaper. The only thing with that is just if you do decide to go that way, it's just to read the instructions carefully so that you've completed correctly, and then you can you can do it that way. Yeah, which is a little bit more affordable. And if you decide to do it that way, you are more than welcome to email me a copy if you would like, and I can keep it on file. So that way, if something were to happen, we have a copy of the will, and then we also have the beneficiary to say that it goes to the will. And then in the will, you can say that you would like Jodie to receive it. Exactly. Exactly. So, yeah, they they're they're quite they're quite affordable, and that way you still have something in place to strengthen, you know, making sure they does go to her if something were to happen. So, Melissa, do you have access to a printer, or do you prefer things to be posted to you? Yeah. Okay. Perfect. So what I'll get to do is I would get them to email you a copy of your and do you want me to prefill it through the legal personal representative to make it easy? Yep. Yep. Perfect. So I'll no. That's okay. I will prefill it. I'll get the team to email you a copy. Yep. When you have a moment, it just needs to be printed and web signed because you are making a legal nomination. Return it through me, and then I'll get that uploaded and sorted on Netwealth. And if you do get a will, like I said, you're more than welcome to email that through as well. Yeah. Yeah. Exactly. Yes. Yes. It's exactly. It's not it's not a complex estate, which makes it easier because then you don't have to pay as much for it. So yeah. Yeah. Exactly. So I will get the team to email you that form. If anything changed or if you need anything else at any point in time, just give us a call or send me an email, and we can always book you in for another catch up. Yeah. Yeah. Me me too, Melissa. And like I said, anything else you need, just give us a call. But, otherwise, if I don't hear for you, I will talk to you next time to review. Yeah. Okay. You you too, Melissa. 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morning, Melissa. This is Veronica from Achieve Financial. How are you? Yeah. Good.\n\nI had you booked in this morning to go over your annual review. Is now still a good time for you? Yes. That is okay. Now what I will do is I will send you an email with some documents.\n\nIf you don't have the option of accessing them right now, if you're obviously a bit busy, that's okay. I can always run through them with you if you don't have any questions when you have. Perfect. So what I'll do is I will send this to you now. And just just before I do go any further as well, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nYep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Perfect.\n\nThat's exactly what I have here. Now just before I do jump into the annual review, I'd like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on. No. Yes. And that is perfectly fine.\n\nThe reason I do ask is sometimes there are specific questions that you may have thought of that you wanna do, and then I can focus a bit more on it. But most people are quite similar to you. They're just like, oh, maybe as we go through things, there might be questions. Or for most people, it's just to have a bit of an update, especially if it has been a little bit since we did a bit of an under review. It's just to kinda give a bit of an overview of, you know, what's happened, which is perfectly fine.\n\nNow just before I jump into the documents and run through that review, I do like to just run through just a bit of an updated fact find with you first just to make sure if there's anything that has changed in your life that might need us to potentially change or also be advised at all. So just bear with me as I go through this information. Now I do have you down here the personal information. I have you down here as single with no financial dependent. Is that correct?\n\nYep. Perfect. Now next up, can I have your sister Jody nominated? Is that still the case? Yep.\n\nPerfect. And I have phone number ending in 639. Do you know if it's changed or would be the same? Yep. Perfect.\n\nPerfect. Now occupation wise, I have you down here as a social worker. Is that still the case? Perfect. Affiliate.\n\nAnd are you still working for yourself, or is it yeah. Yeah. And are you enjoying it? Yeah. Yeah.\n\nPerfect. And have you been doing it for long? Oh, yeah. Yep. Yes.\n\nStill essential. And the at least being self employed would have, obviously, benefits and I'm sure we struggle times as well, but at least you can kind of choose a little bit yourself at times with hours and stuff. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. And do you have a a couple of clients that you work with now? Yeah.\n\nOh, that's not good. Yeah. No. Oh, wow. Yeah.\n\nYeah. Oh, that's great. Yeah. Yep. Yeah.\n\nYou gotta you gotta you gotta prioritize, you know, different things that time. That's that's fine. Yeah. Oh, that's good. And sometimes you do need a bit of a break, especially if it's been a lot and, you know, there are changes.\n\nYou do need a bit of a break before you can kinda get back into it and reset again. Yeah. Oh, that's good. And do you have any other holidays kind of planned or not really at the moment? Yeah.\n\nOh, wow. Yeah. Yeah. Yeah. Yeah.\n\nRight. Yeah. Yeah. At least at least you're working through it and now you have some good clients, and, hopefully, you'll be able to some, you know, some, you know, evening and overnight days as well for you. And how many hours would you say?\n\nObviously, you said Monday to Friday. Is it, like, around the thirty eight hours? Or mhmm. Yep. Yep.\n\nYes. Mhmm. Yeah. Yep. Yeah.\n\nYeah. Yeah. Yeah. Definitely. Yeah.\n\nOh, that's good. Well, listings are, you know, kind of back on track for you now. And and do you know roughly what your income would be? Obviously, I know that it can fluctuate with doing after hours and e like, overnight stays, but do you know roughly what you would be on? Mhmm.\n\nMhmm. Everything. Yes. Yep. And is that 1,200 after tax or before tax?\n\nOh, yeah. Yeah. Yeah. Yes. Literally.\n\nDefinitely does that. And with your arrangement at the moment, do you pay yourself superannuation, or is that kind of part of the contract? Or how does that work? Yeah. Perfect.\n\nYep. Yep. Yes. Yes. Just stay out of it all.\n\nAnd with the the contributions as well, do you make them straight into your net worth account as well, or do you have them, like, sitting for a while? Yes. Yeah. That yeah. And it has been the last twelve months, there's been a lot of fluctuations in the world and, obviously, everything going over in The US, and then, obviously, the Trump and the tariffs, there was a lot of fluctuations.\n\nYeah. Yep. Yeah. Yeah. Yes.\n\nYeah. It is it is, especially when there are a lot of fluctuations. And, you know, sometimes as well, it's like, well, you can look at it. Well, while the prices are down, it might be a good buying opportunity as well because you can for it. So it is that kind of like, it's sometimes hard because you are down.\n\nSo you might not want to, but then sometimes it can be good as well if it's good investment. Sorry. Very much sorry. And with your investments, actually, while we are talking about it, did you see the email about the investments which that we made for you? I think it was yeah.\n\nPerfect. So, actually, while we yeah. No. No need to sign it. So while we are talking about it, actually, I might get you to access your emails if you can.\n\nAnd then before you click on the link so when you click on the link, it will get you to sign the documents. But before I get I'll ask you to do that is if you can actually see the attachment. Now you should see one where it says asset performance. Can you that one okay? That yes.\n\nYep. That one. Yep. Sorry. That one here will show you your portfolio.\n\nLike you said, as well, there has been a lot of fluctuations in the last twelve months, which is reflected on it. So I'm just waiting for this one to come up here. And this one here, it shows you the portfolio over the last twelve months after all fees. So as as you have a look at it, it can look a bit messy, but it breaks down all your all your investments and how they have performed. And when you have a look at it, so you can see the opening value, the close value, and then you can see the return.\n\nSo the return percentage column, which is the second one to the right. Can you see that one? Yeah. But you can see that the market has been quite fluctuating. So you can see, for example, your gold investment that was up 49.95%, which is crazy.\n\nYou can then see that Benelong investment that was down 18. This is the one we swapped out for you. Exactly. So this one has been swapped. It was originally added to your portfolio because it was doing really well.\n\nThe purpose behind it was to have your active component. So that is a active manager, and they were kind of trying to actively buy and sell different investment in order to try to outperform the market. And they had been quite success successful, which is why it was added to your portfolio. They were one of the best performing fund managers at the time. More recently, they have underperformed.\n\nBut we've done a lot of invest a lot of research into the investment. Some of it was the fund manager itself. They've kind of made some convictions to different investments that just haven't played out. But also one of the investments that they had in their portfolio was the corporate travel group. I'm not sure if you heard about it, but there was a bit of issues with their reporting, which actually meant that they were suspended from trading.\n\nSo because of that, yeah, sorry. It wasn't them per se, but one of their holdings that did it. That caused everything to kind of fall down as well. So, obviously, having yeah. So having a bit of, you know, more, like, in-depth research into the Benelon, sometimes when things are down, if it is more like you're cyclical, sorry, what's going on in the market.\n\nSo the cybersecurity, for example, is one of them where it's a bit more what is going on in the market right now. There's not really structural changes. Then along, we feel wasn't going to improve very much or not enough to warrant staying in it. So that's why we wanted to change it. Now with your portfolio, we obviously wanna keep the the structure and everything like that.\n\nSo we swapped that one for another Australian equity. So swapping one for another one, still focusing on investing in the Australian equity component. So we just swapped it for the a 200, and that one essentially tracks the 200 largest companies listed on the ASX in Australia. Yeah. So by doing the switch as well, it has actually reduced the investment fees a little bit.\n\nIt is a little bit of a cheaper investment, which is good, And then it has also performed a lot better historically than Zenelog. So that was the change that we made. So we do think that, obviously, that's going to make more of a difference to your portfolio for the next twelve months, which which is good. And then also as you kind of see that the most of the other investments are doing reasonable considering what is going on in the market. You can even see, you know yeah.\n\nSo you can even see your beta shares one. That one's up 24%. You can also see, like, the bank hybrid. That's one more of your defensive investments. So that kind of been added through limit fluctuations a little bit, which means that it won't tend to grow as much because it's one of those defensive.\n\nThat five, the one under it, again, is your another defensive investment. And then you have the international equity. So like I said, the cybersecurity, I'm seeing a bit of fluctuations in the market. There are a lot of opportunities in this space, obviously, with AI and technology and everything. So there are opportunities.\n\nAnd then you can even see the Better Tech and Lithium that's gone up 67%, which is crazy. Yeah. One one of them. Yeah. So that one has kind of gone crazy the last twelve months.\n\nSo overall, the portfolio has done okay considering what is going on. If we if you scroll on the next page, you will actually see the total portfolio. So in the same report where it says total portfolio net of fees. Now this still tells us that even though including Benelon, which we have changed for you, the last twelve months, your portfolio after fees have still gone up by 9.35%, and that is despite everything going on. So it still has done pretty good when we're looking at what your twelve month period.\n\nYeah. It it is kind of when we let me have a look through because when we are looking at your growth portfolio, which we are yeah. Let me let me get that up for you. And I have let me just get the the research report for you. So between the 03/17/2025 until the March 16 2020 six.\n\nYeah. So just that twelve month period. But but just bear with me as I through. Trying to see if I can find this document. Yeah.\n\nYeah. Yes. But then, obviously, you had COVID, and that's been been a little bit like that. So let me have a look for you. Yeah.\n\nYes. Exactly. Now let me see here. So you're in the growth portfolio. Now while I try to get these documents for you, are you still comfortable with your growth portfolio, or how do you feel about, you know, fluctuations and markets at risk and everything at the moment?\n\nYeah. You you can you can technically access your super at 60 if you retire. Yeah. Do you think more around the 67, or or what do you think? Yeah.\n\nTo see. Yeah. What's going on? Yeah. Just make it bit of a so I have found a report here for you for your portfolio.\n\nSo I do have a three year, which is probably more similar to what you were thinking, and that is a three year rolling average. So that is kind of using three years and then averaging it out, which is probably most of what we are thinking. Your portfolio is about 13.87 when we are using three years. So, yeah, so some years, it would have been a little bit higher, some a little bit less. So having that and that is typically before fees as well.\n\nThe eight point sorry. The 9.35 is after all advise fees and administration fees and everything like that. So it's it's actually not too bad considering that. But, again, we have swapped out your benedalung for you, so, hopefully, that will then improve the next twelve months. Exactly.\n\nLet me see here. So on that report, just a a bit of both. Mhmm. But overall, even in the last twelve months, so even though Benelon has gone down, the other investments have gone up. So even in the last 12 months correct.\n\nSo even in the last twelve months now, depending on when in those twelve months, like, if you pulled a report one day, because what tends to happen is, well, that we see the biggest fluctuations are very close together. So sometimes if people get a little bit concerned because there's a big drop in the market one day, very closely followed. So even the next day or next couple of days, we tend to see things going up. So, really, it's only the people who then sell at the bottom, which actually crystallize those losses. So even when you do look at historical graph, which is actually while we are talking about it, one of the other attachments for you there, Melissa, should be one where it says Vanguard index chart.\n\nCan you see that one? Can you see that one okay? Yes. If you wanna open that one for me, it kind of can visualize. So this is more like a good visual representation.\n\nYeah. And it breaks down the different asset classes and how things have kind of gone. And if you do look at it, you can see that the biggest drops in the market are quite closely followed by then big increases. So overall, even though in the last twelve months, despite Benelon, your portfolio has still gone up. So you haven't lost any money when we're looking at a twelve month period.\n\nIt's still gone up for quite a bit. The exactly. Exactly. Now, obviously, if I were to pull one report one day, like, maybe if you one day in that twelve month and then you looked a week after, you could have seen, like, a bit of a drop be between that period depending on when you did it. So that's also what I'd like to do twelve months to kind of show you, well, okay.\n\nBecause there are fluctuations on a daily, giving a twelve month period shows us, okay. Well, in the last twelve months, even though at some of those times your portfolio was higher than others, overall, it still is a positive. Exactly. Exactly. So overall, it's still good.\n\nRight? Yes. Very much so. So so, overall, we're quite happy with it. Now while we are talking about your risk as well, I do wanna quickly run through a couple of multiple choice questions just to see if you'd like and feel like we need to change anything with your risk tolerance.\n\nSo it is just multiple choice. There is no right or wrong answer. It's just whatever you feel is the most appropriate for you. Does that make sense, Alyssa? Yep.\n\nPerfect. Now have you ever bought direct shares yourself? No. Perfect. And you said at the moment, you probably don't think you're gonna start drawing an income from super for at least ten years, did you say?\n\nYep. Exactly. And so next one here is in regards to inflation. So inflation means that things are getting more expensive over time, like you mentioned as well. Your money worth a little bit less and everything is costing more.\n\nNow how much of a risk are you willing to take in order to try to keep up with the rising prices? So think about these questions in regards to your superannuation. So are you willing to accept very high risk, high moderate, or a small amount of risk in order to kinda make sure that your superannuation continues to grow more than the increasing prices? Yeah. Exactly.\n\nYes. Exactly. Yep. Mhmm. Yeah.\n\nSo you are somewhere in the middle. So on the on the scale, we kind of be customized different, but, typically, we have you have your aggressive plus, which is where you are borrowing money to invest. So, obviously very, very volatile. You have your aggressive. We have a high growth.\n\nWe have a growth, which is where you are currently, and then we have balanced growth and balance. So you are kind of somewhere in the middle at the moment where you are trying to maximize growth in your superannuation as much as possible while you have the time. You are aware that sometimes there will be some ups and downs and market fluctuation, but at the same time, you want a little bit of that defensive. And going back to that Vanguard chart is where you have about 80% invested in the top four. So those are your US shares, Australian shares.\n\nExactly. So these are the one that grows the most, which is obviously we're trying to maximize that growth for you so that you can retire earlier. They also fluctuate the most. So we therefore have about 20% in those bottom three. They're a bit smoother, don't go as much.\n\nExact. Exactly. Yes. Now looking at a time frame point of view, so like you said as well, you wanna make sure that you have enough time in the market for those fluctuations to come back around. In a growth portfolio, we like to allow six years until retirement.\n\nSo if you are kind of looking around the ten years and you said you do wanna explore your superannuation and wanna make sure it works as hard as it can, and you do have about a six year time frame and more, a growth portfolio is a good position as long as you are comfortable seeing a bit of fluctuations, as long as over the long term, it continues to go up. Do you think you feel comfortable with that? You have the time, but what also plays a role is your risk tolerance. And seeing if you do see a bit of fluctuation that makes you a little bit nervous, I think staying in a growth is good because what you have what's happened in the last one is still good and suitable for you. And if we, yeah, if we bump it up, you will see potentially more fluctuations.\n\nSo I think, yeah, I think it's a good kind of in between where you are right now. And then, also, you know, the closer you get to retirement, we might wanna then start looking at reducing that a little bit and get more defensive when you have a little a little bit less. So when you have, you know, only a couple of years, we might wanna look at reducing it. Before the interim, I do think that growth from what you are saying, what your time frame is suitable for you. As long as you, yeah, are okay seeing a little bit of fluctuations in the short term to make sure that it continues to grow.\n\nYeah. Yeah. Perfect. Now no. That's okay.\n\nIf anything does change, though, at any point in time, so it doesn't have to be an unreview time, if anything changes and you are, you know, concerned or you wanna talk more about it, you can always send me an email or call the office, and we can always book you in for a catch up. Even if it's not, like, the full interview, if it's just, like, a quarterly catch up or something, if you wanna talk about it, you're always more than welcome to do so. Yes. No. That's okay.\n\nNow let me see here. Otherwise, with the documents while we are on them, what is the next attachment that you can see on your end to make? Let me have a look for you. Inflation average weekly. Yes.\n\nSo yes. Exactly. So it's what people were making. So, obviously, back back in 1995, 639 a week would give you quite far. And then, obviously, now the average weekly earning is about 1,974.\n\nLet me see what it says in the fine print. Usually, it's the full tax. Yeah. Oh, and, obviously, it's on average. So some people earn a lot more and some people earn a lot less.\n\nLet me see here if it's the if it's Arthur. Yeah. And that's why I think it's a real really good one to to include, especially when there are bit of fluctuations. Is this good to see it a bit more kind of zoomed out? Yes.\n\nMe too. Me too. I obviously like the numbers. No. Oh, yeah.\n\nIt doesn't actually say if it's after or before here. Typically, I would say it's before, but it doesn't actually say on the graph, which is it was a very good question. I'll see if I can find it find out. But, yeah, they do publish this every year. So every year, they do a bit of an update.\n\nThey are a little bit so, typically, in 2026, they'll have it. So you can kind of see to June 30. So probably at the end of this financial year, they might release the 2026. So you can even just Google that as well if it's something that you are interested in. Yeah.\n\nSo then every yes. And then yeah. So every year, they do one, which is good. So then you can kind of see, okay, well, what's happened, which is really good. Now, Melissa, on the last documents there for you, what are the ones that you have that you can see?\n\nCan you see a super summary? Yes. Now Yes, please. So that one shows you your super balance. It seems like you go and have a look at it every now and then, which is good.\n\nThat shows Yeah. So so yes. Yesterday, what we did is 203, 646. Now your other attachments, you can see through that says, HP Financial Services Guide and then also one that says services guide version one. Yeah.\n\nYep. Now these ones here, you would have seen similar before. It's just a bit of an updated version to our financial service guide. It does give you all the important information that you do need to know about us. So if you go, for example, in through the version one document, the the financial services guide version four is just a little condensed version.\n\nI'll let you have a look over that in your own time. But that version two, you will see it is quite extensive, but it gives you everything that you need to know. You would have seen this one before. It is just a bit of an updated version. We've had some changes from marketing, which is good, and also an extension to the team.\n\nSo if you wanna scroll down to page 10, you should see a photo of myself there as well. And sometimes it is nice to put a face to the voice. No. That's okay. It it is a bit of a longer one.\n\nSorry. You will see that. No. That's okay. And you will see me next to Dana.\n\nYes. I think we I think we spoke not last year, but the year before because I do remember yeah. We did. So yeah. Just bit just bit of updated photo there for you.\n\nSo yeah. That's all in there for you. Now The version the version one is where you have, yeah, it's where you have the advice team. You also see, like, a chief of staff, operations manager. Otherwise, you'll see all the advices in there for you, a marketing and head of administration.\n\nIf you go on the website, you can then see all the admin team. So, like, Michelle, if you've spoken to her before, our power planning research team, everyone else is on the website for you as well. Yep. Now that was all those attachments. If you then click on the link for me, if that works, you should see two documents.\n\nYep. Yeah. Of course. Okay. No.\n\nThat's okay. Yes. Yes. So yes. So if you click on that, you should see through through on the document when you click on the link.\n\nNow there should be one the first one where it says Netwealth advise fee consent. Can you see that? Yep. Yep. So this one is the the ongoing service agreement.\n\nAnd that is just to say that you are happy exactly. So you are happy to stay on as a client for the next twelve months, but there is no lock in contact. So if at any point in time you are not happy with the service, there is no lock in contact. Otherwise, this essential lets us service and manage your account for you. And then until next annual review, where we would go through this again to see if you are happy to stay on for another twelve months.\n\nThe advisory is not changing. It stays exactly the same at 1.65 from super. So no changes to that one. And then the last one is just just a compliance form just to say that we have your tax file number secure on file, essentially. Yep.\n\nYes. If you're happy to do that, that would be great. And then we get that loaded. Yes. That works the case for you, Melissa?\n\nYep. Technology sometimes. It's great when it works, but sometimes it's yeah. Oh, yeah. No.\n\nThat's okay. That's yes. Perfect. While I do kind of oh, actually, I just got notified that you came through, so that's great. So thank you so much for that.\n\nNow I do have a couple more questions just to see if anything has changed for you. So just bear with me, then I will let you go and enjoy the rest of your day. Let me see here. If it is at the end of the financial year that you do wanna make another lump sum to superannuation, just just let us know. We can obviously send you the details.\n\nAnd if you then wanna do the notice of intent to claim the tax back, Just let us know, yeah, just let us know a couple of weeks before the end of the financial year just to make sure we have enough time for you. Yep. And just be mindful of their contribution cap as well, which is 30,000. Otherwise, assets and liabilities wise, has anything changed? You said, obviously, you're renting do you have a motor vehicle or anything?\n\nOr No. No. Yeah. Do you have any, like, liabilities, personal loans, credit cards, ZipPay? No.\n\nYeah. Yes. Perfect. Health and lifestyle wise, I have you down here as a nonsmoker. Yep.\n\nPerfect. Any changes to your health in the last twelve months? No. That's good. And, obviously, we don't have any insurances for you at the moment.\n\nYou're still obviously happy happy with that? So there are a range of, yes, life insurance and total permanent disability insurance. So if something were to happen and you were unable to go back to work or trauma insurance, if you suffer a traumatic yes. Personal risk insurance. So they are they are very tailored to you.\n\nSo it it's dependent on age. It's dependent on occupation and health to then then see the cost. So if it is something that you are interested in, the process would be that we would I would book you in for a pre assessment. What that would do is multiple choice questions just to get an in-depth understanding of your health, your lifestyle, and your occupation. From that, we would send that out to all insurers out out there to see what they would offer, then I'll be able to get quotes.\n\nSo it is a bit of a lengthy process. They do tend to get more expensive the older you get. But if it is something that you want to look at, I'll be more than happy to book you in for a pre assessment if if you wanna look at insurances. Yes. Yes.\n\nAnd they do get the older you get, they get a lot more expensive because in the insurance point of view, there is a higher chance of a risk. Exactly. Oh, yeah. Is that private private health insurance, or is that, like, a bit of a life? Yeah.\n\nYeah. Yeah. Exactly. Yes. And it's pretty pretty reasonable for price because, yeah, they can cost quite a bit the older you get.\n\nYeah. Yeah. Exactly. Yeah. Yeah.\n\nYeah. Okay. Perfect. Well, we can leave it for now. If anything changed, let me know.\n\nBut, yeah, we can always we can always have a look at it if you want to, but, yes, obviously, the older you get, the more they get quite a bit more expensive. Yeah. Yeah. No. Perfect.\n\nNo. There is no. That's okay. Yes. Now there is just one thing I do wanna check with you before I let you go, Melissa.\n\nSorry. And that is just your beneficiary form. So on hub twenty sorry. On Netwealth, so your superannuation, if something were to happen to you, I have Jody nominated. I do wanted to check because the superannuation makes it quite difficult on who you can nominate directly through super.\n\nThey are quite strict on who is a valid nomination. So the the only people that you can have directly through Stupa is a spouse, a child, or someone that you have a financial interdependent relationship with. Basically, what that means is someone that must re rely on you financially. If you were to pass away, you live together and provide, you know, financial domestic and personal care support. Would your sister fall into that category?\n\nNo. Yeah. Yeah. So they do make it tricky. The good thing is you can still give it to her.\n\nWe would just have to change the way that it is. So, yeah, so you can still very much give it because I we have so many clients who give that to, you know, brothers and sisters and nephews and nieces or friends. So you very much can still give it to your sister. The only way that we would have to change it is that on the beneficiary form, we would have to change it to say a legal personal representative. What that basically means is saying that it reverts to your will.\n\nNow in your will, you can stipulate exactly who you want to give it to. No. It is good. Now you can do different ways. So, obviously, the most comprehensive way is to go through a lawyer.\n\nMhmm. That obviously costs more as well. So that is the most comprehensive. The other way you can do it is even just the post office have will kits, which are a lot cheaper. The only thing with that is just if you do decide to go that way, it's just to read the instructions carefully so that you've completed correctly, and then you can you can do it that way.\n\nYeah, which is a little bit more affordable. And if you decide to do it that way, you are more than welcome to email me a copy if you would like, and I can keep it on file. So that way, if something were to happen, we have a copy of the will, and then we also have the beneficiary to say that it goes to the will. And then in the will, you can say that you would like Jodie to receive it. Exactly.\n\nExactly. So, yeah, they they're they're quite they're quite affordable, and that way you still have something in place to strengthen, you know, making sure they does go to her if something were to happen. So, Melissa, do you have access to a printer, or do you prefer things to be posted to you? Yeah. Okay.\n\nPerfect. So what I'll get to do is I would get them to email you a copy of your and do you want me to prefill it through the legal personal representative to make it easy? Yep. Yep. Perfect.\n\nSo I'll no. That's okay. I will prefill it. I'll get the team to email you a copy. Yep.\n\nWhen you have a moment, it just needs to be printed and web signed because you are making a legal nomination. Return it through me, and then I'll get that uploaded and sorted on Netwealth. And if you do get a will, like I said, you're more than welcome to email that through as well. Yeah. Yeah.\n\nExactly. Yes. Yes. It's exactly. It's not it's not a complex estate, which makes it easier because then you don't have to pay as much for it.\n\nSo yeah. Yeah. Exactly. So I will get the team to email you that form. If anything changed or if you need anything else at any point in time, just give us a call or send me an email, and we can always book you in for another catch up.\n\nYeah. Yeah. Me me too, Melissa. And like I said, anything else you need, just give us a call. But, otherwise, if I don't hear for you, I will talk to you next time to review.\n\nYeah. Okay. You you too, Melissa. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Melissa.","start":3.76,"end":4.8199997,"sentiment":"positive","sentiment_score":0.481418639421463},{"text":"This is Veronica from Achieve Financial.","start":4.88,"end":6.96,"sentiment":"positive","sentiment_score":0.37115632990996045},{"text":"How are you?","start":6.96,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.3113044897715251},{"text":"Yeah.","start":10.0,"end":10.4,"sentiment":"neutral","sentiment_score":0.2960839867591858},{"text":"Good.","start":10.4,"end":10.9,"sentiment":"positive","sentiment_score":0.569867730140686}],"sentiment":"positive","sentiment_score":0.39078993456704275,"num_words":14,"start":3.76,"end":10.9},{"sentences":[{"text":"I had you booked in this morning to go over your annual review.","start":12.16,"end":14.88,"sentiment":"positive","sentiment_score":0.4354850099636958},{"text":"Is now still a good time for you?","start":14.88,"end":17.435001,"sentiment":"positive","sentiment_score":0.4041374661028385},{"text":"Yes.","start":17.895,"end":18.395,"sentiment":"neutral","sentiment_score":0.07011936604976654},{"text":"That is okay.","start":22.935001,"end":24.315,"sentiment":"neutral","sentiment_score":0.17416049043337503},{"text":"Now what I will do is I will send you an email with some documents.","start":25.975,"end":29.755001,"sentiment":"neutral","sentiment_score":0.14827519406874975}],"sentiment":"neutral","sentiment_score":0.2927783401682973,"num_words":40,"start":12.16,"end":29.755001},{"sentences":[{"text":"If you don't have the option of accessing them right now, if you're obviously a bit busy, that's okay.","start":30.91,"end":37.09,"sentiment":"neutral","sentiment_score":0.03236658106509008},{"text":"I can always run through them with you if you don't have any questions when you have.","start":37.55,"end":43.89,"sentiment":"neutral","sentiment_score":0.1561083068304202},{"text":"Perfect.","start":45.485,"end":45.985,"sentiment":"positive","sentiment_score":0.6296411156654358},{"text":"So what I'll do is I will send this to you now.","start":46.525,"end":49.425,"sentiment":"neutral","sentiment_score":0.2888065924247106},{"text":"And just just before I do go any further as well, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":51.165,"end":60.79,"sentiment":"neutral","sentiment_score":0.023659586731810123}],"sentiment":"neutral","sentiment_score":0.10026213896955237,"num_words":81,"start":30.91,"end":60.79},{"sentences":[{"text":"Yep.","start":60.79,"end":61.29,"sentiment":"neutral","sentiment_score":0.1504562944173813},{"text":"Perfect.","start":61.59,"end":62.09,"sentiment":"neutral","sentiment_score":0.28271299600601196},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":62.15,"end":68.73,"sentiment":"neutral","sentiment_score":0.0613740451920491},{"text":"Yep.","start":77.365,"end":77.765,"sentiment":"neutral","sentiment_score":0.16922134160995483},{"text":"Perfect.","start":77.765,"end":78.245,"sentiment":"positive","sentiment_score":0.5220202207565308}],"sentiment":"neutral","sentiment_score":0.09067120092610519,"num_words":30,"start":60.79,"end":78.245},{"sentences":[{"text":"That's exactly what I have here.","start":78.245,"end":79.945,"sentiment":"positive","sentiment_score":0.5410435597101847},{"text":"Now just before I do jump into the annual review, I'd like to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on.","start":80.885,"end":92.13,"sentiment":"neutral","sentiment_score":0.09420579352549144},{"text":"No.","start":106.685,"end":106.924995,"sentiment":"neutral","sentiment_score":-0.1381339728832245},{"text":"Yes.","start":106.924995,"end":107.424995,"sentiment":"neutral","sentiment_score":0.002569500356912613},{"text":"And that is perfectly fine.","start":107.725,"end":109.485,"sentiment":"neutral","sentiment_score":0.1183829054236412}],"sentiment":"neutral","sentiment_score":0.1392591771077026,"num_words":55,"start":78.245,"end":109.485},{"sentences":[{"text":"The reason I do ask is sometimes there are specific questions that you may have thought of that you wanna do, and then I can focus a bit more on it.","start":109.485,"end":116.04,"sentiment":"neutral","sentiment_score":0.0504395809144743},{"text":"But most people are quite similar to you.","start":116.04,"end":119.159996,"sentiment":"neutral","sentiment_score":0.06784214731305838},{"text":"They're just like, oh, maybe as we go through things, there might be questions.","start":119.159996,"end":122.3,"sentiment":"neutral","sentiment_score":0.042329141471002786},{"text":"Or for most people, it's just to have a bit of an update, especially if it has been a little bit since we did a bit of an under review.","start":122.68,"end":128.845,"sentiment":"neutral","sentiment_score":0.1091718066483736},{"text":"It's just to kinda give a bit of an overview of, you know, what's happened, which is perfectly fine.","start":128.985,"end":134.525,"sentiment":"neutral","sentiment_score":0.21434523949497625}],"sentiment":"neutral","sentiment_score":0.09849692075787221,"num_words":102,"start":109.485,"end":134.525},{"sentences":[{"text":"Now just before I jump into the documents and run through that review, I do like to just run through just a bit of an updated fact find with you first just to make sure if there's anything that has changed in your life that might need us to potentially change or also be advised at all.","start":136.025,"end":152.655,"sentiment":"neutral","sentiment_score":0.03704450116084333},{"text":"So just bear with me as I go through this information.","start":153.615,"end":156.515,"sentiment":"neutral","sentiment_score":0.03609620847485282},{"text":"Now I do have you down here the personal information.","start":158.815,"end":162.915,"sentiment":"neutral","sentiment_score":0.056962418183684346},{"text":"I have you down here as single with no financial dependent.","start":162.975,"end":166.19499,"sentiment":"neutral","sentiment_score":0.031412896954200485},{"text":"Is that correct?","start":166.255,"end":167.075,"sentiment":"neutral","sentiment_score":0.053152536352475487}],"sentiment":"neutral","sentiment_score":0.038948027356325285,"num_words":92,"start":136.025,"end":167.075},{"sentences":[{"text":"Yep.","start":168.51,"end":169.01,"sentiment":"neutral","sentiment_score":0.1471221148967743},{"text":"Perfect.","start":169.23,"end":169.73,"sentiment":"neutral","sentiment_score":0.3270518183708191},{"text":"Now next up, can I have your sister Jody nominated?","start":172.19,"end":175.81,"sentiment":"neutral","sentiment_score":0.13090981617569925},{"text":"Is that still the case?","start":175.95,"end":177.09,"sentiment":"neutral","sentiment_score":0.0787617325782776},{"text":"Yep.","start":177.63,"end":178.13,"sentiment":"neutral","sentiment_score":0.10009680688381196}],"sentiment":"neutral","sentiment_score":0.1265098647110992,"num_words":18,"start":168.51,"end":178.13},{"sentences":[{"text":"Perfect.","start":178.34999,"end":178.84999,"sentiment":"neutral","sentiment_score":0.2821213901042938},{"text":"And I have phone number ending in 639.","start":178.91,"end":182.28499,"sentiment":"neutral","sentiment_score":0.09675469622015953},{"text":"Do you know if it's changed or would be the same?","start":182.50499,"end":185.245,"sentiment":"neutral","sentiment_score":0.041921601884744385},{"text":"Yep.","start":187.14499,"end":187.64499,"sentiment":"neutral","sentiment_score":0.06262211501598358},{"text":"Perfect.","start":187.70499,"end":188.20499,"sentiment":"neutral","sentiment_score":0.1727008819580078}],"sentiment":"neutral","sentiment_score":0.07966452625326136,"num_words":22,"start":178.34999,"end":188.20499},{"sentences":[{"text":"Perfect.","start":189.465,"end":189.965,"sentiment":"neutral","sentiment_score":0.15641416609287262},{"text":"Now occupation wise, I have you down here as a social worker.","start":190.50499,"end":194.745,"sentiment":"neutral","sentiment_score":0.07460034918040037},{"text":"Is that still the case?","start":194.745,"end":195.965,"sentiment":"neutral","sentiment_score":0.0726268857717514},{"text":"Perfect.","start":199.59001,"end":200.09001,"sentiment":"neutral","sentiment_score":0.17178288102149963},{"text":"Affiliate.","start":200.23001,"end":200.73001,"sentiment":"neutral","sentiment_score":0.08754649758338928}],"sentiment":"neutral","sentiment_score":0.08370410818606615,"num_words":20,"start":189.465,"end":200.73001},{"sentences":[{"text":"And are you still working for yourself, or is it yeah.","start":201.59001,"end":207.05,"sentiment":"neutral","sentiment_score":0.09069521725177765},{"text":"Yeah.","start":207.35,"end":207.75,"sentiment":"neutral","sentiment_score":0.1554126888513565},{"text":"And are you enjoying 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yeah.","start":225.03,"end":225.69,"sentiment":"neutral","sentiment_score":0.01741108438000083},{"text":"Yep.","start":230.31,"end":230.81,"sentiment":"neutral","sentiment_score":0.11963509768247604},{"text":"Yes.","start":235.94499,"end":236.345,"sentiment":"neutral","sentiment_score":0.2849973440170288}],"sentiment":"neutral","sentiment_score":0.0979162803492867,"num_words":13,"start":217.735,"end":236.345},{"sentences":[{"text":"Still essential.","start":236.345,"end":237.245,"sentiment":"positive","sentiment_score":0.3793310075998306},{"text":"And the at least being self employed would have, obviously, benefits and I'm sure we struggle times as well, but at least you can kind of choose a little bit yourself at times with hours and 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wow.","start":407.82,"end":408.64,"sentiment":"neutral","sentiment_score":0.0735556036233902},{"text":"Yeah.","start":411.74002,"end":412.24002,"sentiment":"neutral","sentiment_score":-0.13323350250720978},{"text":"Yeah.","start":413.98,"end":414.48,"sentiment":"neutral","sentiment_score":-0.2774200439453125},{"text":"Yeah.","start":417.445,"end":417.945,"sentiment":"neutral","sentiment_score":-0.12428095936775208},{"text":"Yeah.","start":418.80502,"end":419.30502,"sentiment":"neutral","sentiment_score":-0.0900629535317421}],"sentiment":"neutral","sentiment_score":-0.07964770868420601,"num_words":6,"start":407.82,"end":419.30502},{"sentences":[{"text":"Right.","start":424.64502,"end":425.14502,"sentiment":"neutral","sentiment_score":-0.032170042395591736},{"text":"Yeah.","start":425.52502,"end":426.02502,"sentiment":"neutral","sentiment_score":0.030175967141985893},{"text":"Yeah.","start":428.43997,"end":428.93997,"sentiment":"neutral","sentiment_score":0.1609954833984375},{"text":"At 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work?","start":569.195,"end":570.735,"sentiment":"neutral","sentiment_score":0.02019022647291422},{"text":"Yeah.","start":582.49,"end":582.97003,"sentiment":"neutral","sentiment_score":0.0836184024810791},{"text":"Perfect.","start":582.97003,"end":583.47003,"sentiment":"neutral","sentiment_score":0.07562015950679779}],"sentiment":"neutral","sentiment_score":0.04307815627825837,"num_words":31,"start":557.79,"end":583.47003},{"sentences":[{"text":"Yep.","start":588.09,"end":588.49,"sentiment":"neutral","sentiment_score":0.10741783678531648},{"text":"Yep.","start":588.49,"end":588.99,"sentiment":"neutral","sentiment_score":0.10859282314777374},{"text":"Yes.","start":596.745,"end":597.245,"sentiment":"neutral","sentiment_score":0.044800058007240295},{"text":"Yes.","start":599.545,"end":600.045,"sentiment":"neutral","sentiment_score":0.061576519161462784},{"text":"Just stay out of it 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was a lot of 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shows you the portfolio over the last twelve months after all fees.","start":766.86005,"end":773.36005,"sentiment":"neutral","sentiment_score":0.0626524625455632},{"text":"So as as you have a look at it, it can look a bit messy, but it breaks down all your all your investments and how they have performed.","start":773.58,"end":780.425,"sentiment":"neutral","sentiment_score":0.06284993874101803},{"text":"And when you have a look at it, so you can see the opening value, the close value, and then you can see the return.","start":781.925,"end":788.885,"sentiment":"neutral","sentiment_score":0.11632358282804489}],"sentiment":"neutral","sentiment_score":0.06542199017265095,"num_words":104,"start":759.04504,"end":788.885},{"sentences":[{"text":"So the return percentage column, which is the second one to the right.","start":788.885,"end":792.63,"sentiment":"neutral","sentiment_score":0.0796567493906388},{"text":"Can you see that one?","start":792.63,"end":793.69,"sentiment":"neutral","sentiment_score":0.047657061368227005},{"text":"Yeah.","start":794.14996,"end":794.64996,"sentiment":"neutral","sentiment_score":0.04113344103097915},{"text":"But you can see that the market has been quite fluctuating.","start":794.70996,"end":798.41,"sentiment":"neutral","sentiment_score":-0.042979918758977546},{"text":"So you can see, for example, your gold investment that was up 49.95%, which is crazy.","start":798.47,"end":803.565,"sentiment":"neutral","sentiment_score":0.04919587820768356}],"sentiment":"neutral","sentiment_score":0.03541981380270875,"num_words":46,"start":788.885,"end":803.565},{"sentences":[{"text":"You can then see that Benelong investment that was down 18.","start":804.905,"end":808.28503,"sentiment":"neutral","sentiment_score":-0.017902841791510582},{"text":"This is the one we swapped out for you.","start":808.66504,"end":811.24506,"sentiment":"neutral","sentiment_score":0.048200118045012154},{"text":"Exactly.","start":812.265,"end":812.765,"sentiment":"neutral","sentiment_score":0.14937838912010193},{"text":"So this one has been swapped.","start":812.905,"end":814.445,"sentiment":"neutral","sentiment_score":0.22847620646158853},{"text":"It was originally added to your portfolio because it was doing really well.","start":815.25,"end":819.51,"sentiment":"positive","sentiment_score":0.384238791007262}],"sentiment":"neutral","sentiment_score":0.1688052428420633,"num_words":40,"start":804.905,"end":819.51},{"sentences":[{"text":"The purpose behind it was to have your active component.","start":819.57,"end":823.03,"sentiment":"neutral","sentiment_score":0.22512943893671036},{"text":"So that is a active manager, and they were kind of trying to actively buy and sell different investment in order to try to outperform the market.","start":823.25,"end":832.885,"sentiment":"neutral","sentiment_score":0.14394186519914204},{"text":"And they had been quite success successful, which is why it was added to your portfolio.","start":833.025,"end":837.185,"sentiment":"positive","sentiment_score":0.36677182745188475},{"text":"They were one of the best performing fund managers at the time.","start":837.185,"end":840.645,"sentiment":"neutral","sentiment_score":0.2315508065124353},{"text":"More recently, they have underperformed.","start":840.705,"end":842.965,"sentiment":"neutral","sentiment_score":0.12904466092586517}],"sentiment":"neutral","sentiment_score":0.2204272424536092,"num_words":70,"start":819.57,"end":842.965},{"sentences":[{"text":"But we've done a lot of invest a lot of research into the investment.","start":843.75995,"end":847.77997,"sentiment":"neutral","sentiment_score":0.054341186370168416},{"text":"Some of it was the fund manager itself.","start":848.63995,"end":850.8,"sentiment":"neutral","sentiment_score":-0.04302301723510027},{"text":"They've kind of made some convictions to different investments that just haven't played out.","start":850.8,"end":856.66,"sentiment":"neutral","sentiment_score":-0.08949257752725057},{"text":"But also one of the investments that they had in their portfolio was the corporate travel group.","start":856.695,"end":861.835,"sentiment":"neutral","sentiment_score":-0.05579727559405215},{"text":"I'm not sure if you heard about it, but there was a bit of issues with their reporting, which actually meant that they were suspended from trading.","start":862.055,"end":868.795,"sentiment":"neutral","sentiment_score":-0.20932390016538124}],"sentiment":"neutral","sentiment_score":-0.09295753254555165,"num_words":80,"start":843.75995,"end":868.795},{"sentences":[{"text":"So because of that, yeah, sorry.","start":869.175,"end":871.25,"sentiment":"neutral","sentiment_score":-0.21116018543640772},{"text":"It wasn't them per se, but one of their holdings that did it.","start":871.25,"end":874.39,"sentiment":"neutral","sentiment_score":-0.2372386363836435},{"text":"That caused everything to kind of fall down as well.","start":874.53,"end":877.17,"sentiment":"negative","sentiment_score":-0.4368273288011551},{"text":"So, obviously, having yeah.","start":877.17,"end":879.25,"sentiment":"neutral","sentiment_score":-0.19809287786483765},{"text":"So having a bit of, you know, more, like, in-depth research into the Benelon, sometimes when things are down, if it is more like you're cyclical, sorry, what's going on in the market.","start":879.25,"end":888.71497,"sentiment":"neutral","sentiment_score":-0.19619704986160452}],"sentiment":"neutral","sentiment_score":-0.24221531561378276,"num_words":66,"start":869.175,"end":888.71497},{"sentences":[{"text":"So the cybersecurity, for example, is one of them where it's a bit more what is going on in the market right now.","start":888.71497,"end":895.19495,"sentiment":"neutral","sentiment_score":-0.15060871645160342},{"text":"There's not really structural changes.","start":895.19495,"end":897.055,"sentiment":"neutral","sentiment_score":-0.31035676002502444},{"text":"Then along, we feel wasn't going to improve very much or not enough to warrant staying in it.","start":898.23004,"end":905.21,"sentiment":"negative","sentiment_score":-0.4379577702946133},{"text":"So that's why we wanted to change it.","start":905.35004,"end":907.61005,"sentiment":"neutral","sentiment_score":-0.14027429465204477},{"text":"Now with your portfolio, we obviously wanna keep the the structure and everything like that.","start":907.83,"end":912.555,"sentiment":"neutral","sentiment_score":0.0661828729013602}],"sentiment":"neutral","sentiment_score":-0.18881848416682603,"num_words":69,"start":888.71497,"end":912.555},{"sentences":[{"text":"So we swapped that one for another Australian equity.","start":912.555,"end":915.995,"sentiment":"neutral","sentiment_score":0.04559366611970796},{"text":"So swapping one for another one, still focusing on investing in the Australian equity component.","start":915.995,"end":922.735,"sentiment":"neutral","sentiment_score":0.047722914318243666},{"text":"So we just swapped it for the a 200, and that one essentially tracks the 200 largest companies listed on the ASX in Australia.","start":922.795,"end":931.79004,"sentiment":"neutral","sentiment_score":0.09837558461974065},{"text":"Yeah.","start":933.61,"end":933.93,"sentiment":"neutral","sentiment_score":0.32518523931503296},{"text":"So by doing the switch as well, it has actually reduced the investment fees a little bit.","start":933.93,"end":938.57,"sentiment":"positive","sentiment_score":0.5693494239274193}],"sentiment":"neutral","sentiment_score":0.20441403313342368,"num_words":66,"start":912.555,"end":938.57},{"sentences":[{"text":"It is a little bit of a cheaper investment, which is good, And then it has also performed a lot better historically than Zenelog.","start":938.57,"end":945.705,"sentiment":"positive","sentiment_score":0.6102963350713253},{"text":"So that was the change that we made.","start":946.245,"end":948.245,"sentiment":"positive","sentiment_score":0.45158738642930984},{"text":"So we do think that, obviously, that's going to make more of a difference to your portfolio for the next twelve months, which which is good.","start":948.245,"end":956.12,"sentiment":"positive","sentiment_score":0.5723327203438833},{"text":"And then also as you kind of see that the most of the other investments are doing reasonable considering what is going on in the market.","start":956.12,"end":963.58,"sentiment":"neutral","sentiment_score":0.2508032178649536},{"text":"You can even see, you know yeah.","start":963.64,"end":966.615,"sentiment":"neutral","sentiment_score":0.04161132472966399}],"sentiment":"positive","sentiment_score":0.43903983296355703,"num_words":91,"start":938.57,"end":966.615},{"sentences":[{"text":"So you can even see your beta shares one.","start":966.615,"end":969.59503,"sentiment":"neutral","sentiment_score":0.12256860153542624},{"text":"That one's up 24%.","start":969.97504,"end":971.675,"sentiment":"neutral","sentiment_score":0.14493821561336517},{"text":"You can also see, like, the bank hybrid.","start":973.655,"end":975.575,"sentiment":"neutral","sentiment_score":0.13546152412891388},{"text":"That's one more of your defensive investments.","start":975.575,"end":977.655,"sentiment":"neutral","sentiment_score":0.13866109613861358},{"text":"So that kind of been added through limit fluctuations a little bit, which means that it won't tend to grow as much because it's one of those defensive.","start":977.655,"end":985.48004,"sentiment":"neutral","sentiment_score":0.07596379172589098}],"sentiment":"neutral","sentiment_score":0.10471743411783661,"num_words":56,"start":966.615,"end":985.48004},{"sentences":[{"text":"That five, the one under it, again, is your another defensive investment.","start":985.94,"end":990.76,"sentiment":"neutral","sentiment_score":0.09379131657381852},{"text":"And then you have the international equity.","start":991.315,"end":993.79504,"sentiment":"neutral","sentiment_score":0.08544710172074181},{"text":"So like I said, the cybersecurity, I'm seeing a bit of fluctuations in the market.","start":993.79504,"end":998.11505,"sentiment":"neutral","sentiment_score":0.0796496257185936},{"text":"There are a lot of opportunities in this space, obviously, with AI and technology and everything.","start":998.11505,"end":1003.815,"sentiment":"neutral","sentiment_score":0.12096923310309649},{"text":"So there are opportunities.","start":1003.955,"end":1006.36,"sentiment":"neutral","sentiment_score":0.1913830004632473}],"sentiment":"neutral","sentiment_score":0.10406314126319355,"num_words":54,"start":985.94,"end":1006.36},{"sentences":[{"text":"And then you can even see the Better Tech and Lithium that's gone up 67%, which is crazy.","start":1006.58,"end":1011.95996,"sentiment":"neutral","sentiment_score":0.2405323146118058},{"text":"Yeah.","start":1017.06,"end":1017.38,"sentiment":"neutral","sentiment_score":0.06725957989692688},{"text":"One one of them.","start":1017.38,"end":1018.92,"sentiment":"neutral","sentiment_score":0.08386665023863316},{"text":"Yeah.","start":1019.745,"end":1020.245,"sentiment":"neutral","sentiment_score":0.029622066766023636},{"text":"So that one has kind of gone crazy the last twelve months.","start":1020.385,"end":1024.325,"sentiment":"neutral","sentiment_score":-0.21850954617063204}],"sentiment":"neutral","sentiment_score":0.05943931546062231,"num_words":36,"start":1006.58,"end":1024.325},{"sentences":[{"text":"So overall, the portfolio has done okay considering what is going on.","start":1024.385,"end":1031.845,"sentiment":"positive","sentiment_score":0.5200893220802149},{"text":"If we if you scroll on the next page, you will actually see the total portfolio.","start":1032.99,"end":1037.25,"sentiment":"neutral","sentiment_score":0.0964943568687886},{"text":"So in the same report where it says total portfolio net of fees.","start":1037.31,"end":1041.41,"sentiment":"neutral","sentiment_score":0.04675770493654104},{"text":"Now this still tells us that even though including Benelon, which we have changed for you, the last twelve months, your portfolio after fees have still gone up by 9.35%, and that is despite everything going on.","start":1041.71,"end":1057.205,"sentiment":"neutral","sentiment_score":0.0871363958041813},{"text":"So it still has done pretty good when we're looking at what your twelve month period.","start":1057.205,"end":1061.785,"sentiment":"neutral","sentiment_score":0.3144990485161543}],"sentiment":"neutral","sentiment_score":0.17711556553246177,"num_words":94,"start":1024.385,"end":1061.785},{"sentences":[{"text":"Yeah.","start":1070.32,"end":1070.72,"sentiment":"neutral","sentiment_score":0.06706060469150543},{"text":"It it is kind of when we let me have a look through because when we are looking at your growth portfolio, which we are yeah.","start":1070.72,"end":1082.525,"sentiment":"neutral","sentiment_score":0.029241107834073212},{"text":"Let me let me get that up for you.","start":1082.525,"end":1084.525,"sentiment":"neutral","sentiment_score":0.0883761379453871},{"text":"And I have let me just get the the research report for you.","start":1084.525,"end":1089.9851,"sentiment":"neutral","sentiment_score":0.054230765654490545},{"text":"So between the 03/17/2025 until the March 16 2020 six.","start":1094.96,"end":1101.86,"sentiment":"neutral","sentiment_score":0.03242035917937756}],"sentiment":"neutral","sentiment_score":0.044947766020136365,"num_words":59,"start":1070.32,"end":1101.86},{"sentences":[{"text":"Yeah.","start":1102.1599,"end":1102.6599,"sentiment":"neutral","sentiment_score":0.038836318999528885},{"text":"So just that twelve month period.","start":1102.7999,"end":1104.6599,"sentiment":"neutral","sentiment_score":0.027437911679347355},{"text":"But but just bear with me as I through.","start":1105.625,"end":1107.725,"sentiment":"neutral","sentiment_score":-0.010111364846428236},{"text":"Trying to see if I can find this document.","start":1108.105,"end":1110.2849,"sentiment":"neutral","sentiment_score":-0.004546189059813817},{"text":"Yeah.","start":1111.465,"end":1111.965,"sentiment":"neutral","sentiment_score":-0.04483717307448387}],"sentiment":"neutral","sentiment_score":0.0010272550324981029,"num_words":26,"start":1102.1599,"end":1111.965},{"sentences":[{"text":"Yeah.","start":1115.945,"end":1116.445,"sentiment":"neutral","sentiment_score":-0.08185970783233643},{"text":"Yes.","start":1118.0399,"end":1118.5399,"sentiment":"neutral","sentiment_score":-0.02096368744969368},{"text":"But then, obviously, you had COVID, and that's been been a little bit like that.","start":1119.0,"end":1123.5599,"sentiment":"neutral","sentiment_score":-0.07068995721638202},{"text":"So let me have a look for you.","start":1123.5599,"end":1125.6599,"sentiment":"neutral","sentiment_score":0.0062278087716549635},{"text":"Yeah.","start":1129.72,"end":1130.22,"sentiment":"neutral","sentiment_score":0.03692321479320526}],"sentiment":"neutral","sentiment_score":-0.041401041098512135,"num_words":26,"start":1115.945,"end":1130.22},{"sentences":[{"text":"Yes.","start":1130.44,"end":1130.94,"sentiment":"neutral","sentiment_score":0.07050886750221252},{"text":"Exactly.","start":1135.4149,"end":1135.9149,"sentiment":"neutral","sentiment_score":0.08066221326589584},{"text":"Now let me see here.","start":1136.2949,"end":1137.735,"sentiment":"neutral","sentiment_score":0.05185810327529907},{"text":"So you're in the growth portfolio.","start":1137.735,"end":1140.235,"sentiment":"neutral","sentiment_score":0.04884277152207991},{"text":"Now while I try to get these documents for you, are you still comfortable with your growth portfolio, or how do you feel about, you know, fluctuations and markets at risk and everything at the moment?","start":1141.4149,"end":1155.6499,"sentiment":"neutral","sentiment_score":0.016079034449325666}],"sentiment":"neutral","sentiment_score":0.0261706829888328,"num_words":49,"start":1130.44,"end":1155.6499},{"sentences":[{"text":"Yeah.","start":1164.125,"end":1164.625,"sentiment":"neutral","sentiment_score":0.31288251280784607},{"text":"You you can you can technically access your super at 60 if you retire.","start":1165.645,"end":1173.985,"sentiment":"neutral","sentiment_score":0.20893294470650808},{"text":"Yeah.","start":1176.6699,"end":1177.1699,"sentiment":"neutral","sentiment_score":0.09723158180713654},{"text":"Do you think more around the 67, or or what do you think?","start":1177.7899,"end":1182.0499,"sentiment":"neutral","sentiment_score":0.011285865536102882},{"text":"Yeah.","start":1183.47,"end":1183.97,"sentiment":"neutral","sentiment_score":-0.022824231535196304}],"sentiment":"neutral","sentiment_score":0.1153022446980079,"num_words":30,"start":1164.125,"end":1183.97},{"sentences":[{"text":"To see.","start":1190.675,"end":1191.395,"sentiment":"neutral","sentiment_score":-0.006628940813243388},{"text":"Yeah.","start":1191.395,"end":1191.895,"sentiment":"neutral","sentiment_score":0.02698873914778233},{"text":"What's going on?","start":1194.755,"end":1195.975,"sentiment":"neutral","sentiment_score":-0.032197422037521996},{"text":"Yeah.","start":1208.85,"end":1209.35,"sentiment":"neutral","sentiment_score":0.12631189823150635},{"text":"Just make it bit of a so I have found a report here for you for your portfolio.","start":1210.29,"end":1215.465,"sentiment":"neutral","sentiment_score":0.21683675050735474}],"sentiment":"neutral","sentiment_score":0.15786047995090485,"num_words":25,"start":1190.675,"end":1215.465},{"sentences":[{"text":"So I do have a three year, which is probably more similar to what you were thinking, and that is a three year rolling average.","start":1215.605,"end":1226.3099,"sentiment":"neutral","sentiment_score":0.17678733706474303},{"text":"So that is kind of using three years and then averaging it out, which is probably most of what we are thinking.","start":1226.3099,"end":1231.85,"sentiment":"neutral","sentiment_score":0.1673929677768187},{"text":"Your portfolio is about 13.87 when we are using three years.","start":1232.3099,"end":1237.45,"sentiment":"neutral","sentiment_score":0.12055545300245285},{"text":"So, yeah, so some years, it would have been a little bit higher, some a little bit less.","start":1238.07,"end":1243.3151,"sentiment":"neutral","sentiment_score":-0.04784707145558463},{"text":"So having that and that is typically before fees as well.","start":1243.535,"end":1248.515,"sentiment":"neutral","sentiment_score":-0.004924306984652172}],"sentiment":"neutral","sentiment_score":0.09785085100809048,"num_words":87,"start":1215.605,"end":1248.515},{"sentences":[{"text":"The eight point sorry.","start":1248.735,"end":1250.735,"sentiment":"neutral","sentiment_score":-0.006957935635000467},{"text":"The 9.35 is after all advise fees and administration fees and everything like that.","start":1250.735,"end":1255.95,"sentiment":"neutral","sentiment_score":0.02635278446333749},{"text":"So it's it's actually not too bad considering that.","start":1256.57,"end":1260.51,"sentiment":"neutral","sentiment_score":0.2318829945806},{"text":"But, again, we have swapped out your benedalung for you, so, hopefully, that will then improve the next twelve months.","start":1261.2899,"end":1268.205,"sentiment":"neutral","sentiment_score":0.29348595198243854},{"text":"Exactly.","start":1268.345,"end":1268.845,"sentiment":"neutral","sentiment_score":-0.02918451651930809}],"sentiment":"neutral","sentiment_score":0.17226226488128304,"num_words":48,"start":1248.735,"end":1268.845},{"sentences":[{"text":"Let me see here.","start":1273.3049,"end":1274.1849,"sentiment":"neutral","sentiment_score":-0.07153262291103601},{"text":"So on that report, just a a bit of both.","start":1274.1849,"end":1284.38,"sentiment":"neutral","sentiment_score":-0.06629184521734714},{"text":"Mhmm.","start":1285.08,"end":1285.58,"sentiment":"neutral","sentiment_score":0.003366431687027216},{"text":"But overall, even in the last twelve months, so even though Benelon has gone down, the other investments have gone up.","start":1285.72,"end":1293.375,"sentiment":"neutral","sentiment_score":-0.040251988385404856},{"text":"So even in the last 12 months correct.","start":1293.615,"end":1296.915,"sentiment":"neutral","sentiment_score":0.08652446651831269}],"sentiment":"neutral","sentiment_score":-0.024972239456308835,"num_words":44,"start":1273.3049,"end":1296.915},{"sentences":[{"text":"So even in the last twelve months now, depending on when in those twelve months, like, if you pulled a report one day, because what tends to happen is, well, that we see the biggest fluctuations are very close together.","start":1297.135,"end":1308.435,"sentiment":"neutral","sentiment_score":0.004708198318257928},{"text":"So sometimes if people get a little bit concerned because there's a big drop in the market one day, very closely followed.","start":1308.78,"end":1315.66,"sentiment":"neutral","sentiment_score":-0.11918718520213258},{"text":"So even the next day or next couple of days, we tend to see things going up.","start":1315.66,"end":1319.28,"sentiment":"neutral","sentiment_score":-0.10023164004087448},{"text":"So, really, it's only the people who then sell at the bottom, which actually crystallize those losses.","start":1319.3401,"end":1324.48,"sentiment":"neutral","sentiment_score":-0.1931716733995606},{"text":"So even when you do look at historical graph, which is actually while we are talking about it, one of the other attachments for you there, Melissa, should be one where it says Vanguard index chart.","start":1325.0751,"end":1337.655,"sentiment":"neutral","sentiment_score":0.030507207460080583}],"sentiment":"neutral","sentiment_score":-0.047904446982129506,"num_words":132,"start":1297.135,"end":1337.655},{"sentences":[{"text":"Can you see that one?","start":1338.13,"end":1339.25,"sentiment":"neutral","sentiment_score":0.04765157103538513},{"text":"Can you see that one okay?","start":1339.25,"end":1340.63,"sentiment":"neutral","sentiment_score":0.03678964885572592},{"text":"Yes.","start":1351.905,"end":1352.145,"sentiment":"neutral","sentiment_score":0.17500802874565125},{"text":"If you wanna open that one for me, it kind of can visualize.","start":1352.145,"end":1357.045,"sentiment":"neutral","sentiment_score":0.222102831189449},{"text":"So this is more like a good visual representation.","start":1357.105,"end":1359.205,"sentiment":"positive","sentiment_score":0.36334238449732464}],"sentiment":"neutral","sentiment_score":0.1997477071469321,"num_words":34,"start":1338.13,"end":1359.205},{"sentences":[{"text":"Yeah.","start":1361.505,"end":1362.005,"sentiment":"neutral","sentiment_score":0.2421359121799469},{"text":"And it breaks down the different asset classes and how things have kind of gone.","start":1362.065,"end":1366.79,"sentiment":"neutral","sentiment_score":0.14829402367273967},{"text":"And if you do look at it, you can see that the biggest drops in the market are quite closely followed by then big increases.","start":1366.93,"end":1374.8701,"sentiment":"neutral","sentiment_score":0.07185320615768433},{"text":"So overall, even though in the last twelve months, despite Benelon, your portfolio has still gone up.","start":1376.93,"end":1383.115,"sentiment":"neutral","sentiment_score":-0.1313398804734735},{"text":"So you haven't lost any money when we're looking at a twelve month period.","start":1383.115,"end":1386.395,"sentiment":"neutral","sentiment_score":-0.17471432951944216}],"sentiment":"neutral","sentiment_score":-0.005776418890390132,"num_words":72,"start":1361.505,"end":1386.395},{"sentences":[{"text":"It's still gone up for quite a bit.","start":1386.395,"end":1388.255,"sentiment":"neutral","sentiment_score":-0.08944158116355538},{"text":"The exactly.","start":1388.635,"end":1392.3351,"sentiment":"neutral","sentiment_score":-0.044121808372437954},{"text":"Exactly.","start":1392.875,"end":1393.375,"sentiment":"neutral","sentiment_score":0.008404118940234184},{"text":"Now, obviously, if I were to pull one report one day, like, maybe if you one day in that twelve month and then you looked a week after, you could have seen, like, a bit of a drop be between that period depending on when you did it.","start":1393.995,"end":1408.395,"sentiment":"neutral","sentiment_score":-0.06474708063372721},{"text":"So that's also what I'd like to do twelve months to kind of show you, well, okay.","start":1408.475,"end":1412.555,"sentiment":"neutral","sentiment_score":0.025815925834810034}],"sentiment":"neutral","sentiment_score":-0.04558370103079237,"num_words":76,"start":1386.395,"end":1412.555},{"sentences":[{"text":"Because there are fluctuations on a daily, giving a twelve month period shows us, okay.","start":1412.555,"end":1417.435,"sentiment":"neutral","sentiment_score":0.038043194885055226},{"text":"Well, in the last twelve months, even though at some of those times your portfolio was higher than others, overall, it still is a positive.","start":1417.435,"end":1426.14,"sentiment":"neutral","sentiment_score":0.14350369960069656},{"text":"Exactly.","start":1427.72,"end":1428.22,"sentiment":"neutral","sentiment_score":0.314855694770813},{"text":"Exactly.","start":1431.08,"end":1431.58,"sentiment":"neutral","sentiment_score":0.05615149438381195},{"text":"So overall, it's still good.","start":1432.9199,"end":1435.1799,"sentiment":"neutral","sentiment_score":0.24175419211387633}],"sentiment":"neutral","sentiment_score":0.12208550134079253,"num_words":47,"start":1412.555,"end":1435.1799},{"sentences":[{"text":"Right?","start":1438.015,"end":1438.515,"sentiment":"neutral","sentiment_score":0.2142893671989441},{"text":"Yes.","start":1441.215,"end":1441.715,"sentiment":"neutral","sentiment_score":0.21358567476272583},{"text":"Very much so.","start":1442.4149,"end":1443.455,"sentiment":"positive","sentiment_score":0.34479450186093646},{"text":"So so, overall, we're quite happy with it.","start":1443.455,"end":1446.355,"sentiment":"positive","sentiment_score":0.526999156922102},{"text":"Now while we are talking about your risk as well, I do wanna quickly run through a couple of multiple choice questions just to see if you'd like and feel like we need to change anything with your risk tolerance.","start":1446.4149,"end":1458.0,"sentiment":"neutral","sentiment_score":0.009950232692062855}],"sentiment":"neutral","sentiment_score":0.11464643604912848,"num_words":53,"start":1438.015,"end":1458.0},{"sentences":[{"text":"So it is just multiple choice.","start":1458.54,"end":1460.54,"sentiment":"neutral","sentiment_score":0.0253272441526254},{"text":"There is no right or wrong answer.","start":1460.54,"end":1462.3,"sentiment":"neutral","sentiment_score":-0.02097287667649133},{"text":"It's just whatever you feel is the most appropriate for you.","start":1462.3,"end":1465.215,"sentiment":"neutral","sentiment_score":0.06907150996002284},{"text":"Does that make sense, Alyssa?","start":1465.215,"end":1466.6749,"sentiment":"neutral","sentiment_score":0.037973802536726},{"text":"Yep.","start":1467.5349,"end":1468.0349,"sentiment":"neutral","sentiment_score":0.08253060281276703}],"sentiment":"neutral","sentiment_score":0.03457798510789871,"num_words":30,"start":1458.54,"end":1468.0349},{"sentences":[{"text":"Perfect.","start":1468.095,"end":1468.595,"sentiment":"neutral","sentiment_score":0.221632182598114},{"text":"Now have you ever bought direct shares yourself?","start":1469.375,"end":1472.995,"sentiment":"neutral","sentiment_score":0.03768020123243332},{"text":"No.","start":1473.9349,"end":1474.4349,"sentiment":"neutral","sentiment_score":-0.016441162675619125},{"text":"Perfect.","start":1474.895,"end":1475.395,"sentiment":"neutral","sentiment_score":0.07967965304851532},{"text":"And you said at the moment, you probably don't think you're gonna start drawing an income from super for at least ten years, did you say?","start":1477.87,"end":1486.37,"sentiment":"neutral","sentiment_score":0.014679872932342382}],"sentiment":"neutral","sentiment_score":0.026161864299226453,"num_words":37,"start":1468.095,"end":1486.37},{"sentences":[{"text":"Yep.","start":1486.51,"end":1487.01,"sentiment":"neutral","sentiment_score":0.07301315665245056},{"text":"Exactly.","start":1491.005,"end":1491.505,"sentiment":"neutral","sentiment_score":0.06282021105289459},{"text":"And so next one here is in regards to inflation.","start":1494.445,"end":1497.505,"sentiment":"neutral","sentiment_score":-0.03637332580983639},{"text":"So inflation means that things are getting more expensive over time, like you mentioned as well.","start":1497.725,"end":1503.425,"sentiment":"neutral","sentiment_score":-0.20621865126304328},{"text":"Your money worth a little bit less and everything is costing more.","start":1505.0,"end":1508.9401,"sentiment":"neutral","sentiment_score":-0.1772877195229133}],"sentiment":"neutral","sentiment_score":-0.14137127362191676,"num_words":40,"start":1486.51,"end":1508.9401},{"sentences":[{"text":"Now how much of a risk are you willing to take in order to try to keep up with the rising prices?","start":1509.3201,"end":1515.9,"sentiment":"neutral","sentiment_score":-0.15544731948863377},{"text":"So think about these questions in regards to your superannuation.","start":1516.52,"end":1520.2201,"sentiment":"neutral","sentiment_score":0.00036074835807085035},{"text":"So are you willing to accept very high risk, high moderate, or a small amount of risk in order to kinda make sure that your superannuation continues to grow more than the increasing prices?","start":1521.855,"end":1536.115,"sentiment":"neutral","sentiment_score":0.027715136899667626},{"text":"Yeah.","start":1540.9199,"end":1541.4199,"sentiment":"neutral","sentiment_score":-0.17632737755775452},{"text":"Exactly.","start":1542.44,"end":1542.94,"sentiment":"neutral","sentiment_score":-0.05499395728111267}],"sentiment":"neutral","sentiment_score":-0.039782944491461796,"num_words":68,"start":1509.3201,"end":1542.94},{"sentences":[{"text":"Yes.","start":1549.655,"end":1550.155,"sentiment":"neutral","sentiment_score":0.03880704194307327},{"text":"Exactly.","start":1552.775,"end":1553.275,"sentiment":"neutral","sentiment_score":0.007099767681211233},{"text":"Yep.","start":1554.775,"end":1555.275,"sentiment":"neutral","sentiment_score":-0.0666547641158104},{"text":"Mhmm.","start":1558.135,"end":1558.635,"sentiment":"neutral","sentiment_score":-0.055395375937223434},{"text":"Yeah.","start":1564.2101,"end":1564.53,"sentiment":"neutral","sentiment_score":-0.00995638221502304}],"sentiment":"neutral","sentiment_score":-0.017219942528754473,"num_words":5,"start":1549.655,"end":1564.53},{"sentences":[{"text":"So you are somewhere in the middle.","start":1564.53,"end":1566.31,"sentiment":"neutral","sentiment_score":0.022920414273227965},{"text":"So on the on the scale, we kind of be customized different, but, typically, we have you have your aggressive plus, which is where you are borrowing money to invest.","start":1566.4501,"end":1575.65,"sentiment":"neutral","sentiment_score":0.006300162151455879},{"text":"So, obviously very, very volatile.","start":1575.65,"end":1578.155,"sentiment":"neutral","sentiment_score":-0.19379602372646332},{"text":"You have your aggressive.","start":1579.655,"end":1580.7949,"sentiment":"neutral","sentiment_score":0.12030459754168987},{"text":"We have a high growth.","start":1581.335,"end":1582.875,"sentiment":"neutral","sentiment_score":0.22989322245121002}],"sentiment":"neutral","sentiment_score":0.019826512710720886,"num_words":51,"start":1564.53,"end":1582.875},{"sentences":[{"text":"We have a growth, which is where you are currently, and then we have balanced growth and balance.","start":1583.015,"end":1588.775,"sentiment":"neutral","sentiment_score":0.19675254573424658},{"text":"So you are kind of somewhere in the middle at the moment where you are trying to maximize growth in your superannuation as much as possible while you have the time.","start":1588.775,"end":1599.6799,"sentiment":"neutral","sentiment_score":0.21638082448513277},{"text":"You are aware that sometimes there will be some ups and downs and market fluctuation, but at the same time, you want a little bit of that defensive.","start":1600.22,"end":1609.0651,"sentiment":"neutral","sentiment_score":0.014091310623501028},{"text":"And going back to that Vanguard chart is where you have about 80% invested in the top four.","start":1609.4451,"end":1619.0651,"sentiment":"neutral","sentiment_score":0.14050281130605274},{"text":"So those are your US shares, Australian shares.","start":1619.61,"end":1623.95,"sentiment":"neutral","sentiment_score":0.054051468381658196}],"sentiment":"neutral","sentiment_score":0.13209097505122133,"num_words":103,"start":1583.015,"end":1623.95},{"sentences":[{"text":"Exactly.","start":1624.49,"end":1624.99,"sentiment":"neutral","sentiment_score":0.13324284553527832},{"text":"So these are the one that grows the most, which is obviously we're trying to maximize that growth for you so that you can retire earlier.","start":1625.13,"end":1631.39,"sentiment":"positive","sentiment_score":0.33817993104457855},{"text":"They also fluctuate the most.","start":1632.635,"end":1634.415,"sentiment":"neutral","sentiment_score":0.121082004904747},{"text":"So we therefore have about 20% in those bottom three.","start":1634.4751,"end":1638.9751,"sentiment":"neutral","sentiment_score":0.13965160734951496},{"text":"They're a bit smoother, don't go as much.","start":1639.1951,"end":1641.775,"sentiment":"neutral","sentiment_score":0.08587621885817498}],"sentiment":"neutral","sentiment_score":0.2322971380315721,"num_words":50,"start":1624.49,"end":1641.775},{"sentences":[{"text":"Exact.","start":1642.9551,"end":1643.4551,"sentiment":"neutral","sentiment_score":0.1418100893497467},{"text":"Exactly.","start":1644.4751,"end":1644.9751,"sentiment":"neutral","sentiment_score":0.15457424521446228},{"text":"Yes.","start":1645.3551,"end":1645.8551,"sentiment":"neutral","sentiment_score":0.14193058013916016},{"text":"Now looking at a time frame point of view, so like you said as well, you wanna make sure that you have enough time in the market for those fluctuations to come back around.","start":1646.5399,"end":1656.32,"sentiment":"neutral","sentiment_score":0.08517026331494837},{"text":"In a growth portfolio, we like to allow six years until retirement.","start":1656.94,"end":1662.6849,"sentiment":"neutral","sentiment_score":0.08996388626595338}],"sentiment":"neutral","sentiment_score":0.09007490821638886,"num_words":49,"start":1642.9551,"end":1662.6849},{"sentences":[{"text":"So if you are kind of looking around the ten years and you said you do wanna explore your superannuation and wanna make sure it works as hard as it can, and you do have about a six year time frame and more, a growth portfolio is a good position as long as you are comfortable seeing a bit of fluctuations, as long as over the long term, it continues to go up.","start":1663.465,"end":1686.465,"sentiment":"neutral","sentiment_score":0.16378920086442608},{"text":"Do you think you feel comfortable with that?","start":1688.065,"end":1692.005,"sentiment":"neutral","sentiment_score":0.07732050586491823},{"text":"You have the time, but what also plays a role is your risk tolerance.","start":1695.1849,"end":1700.69,"sentiment":"neutral","sentiment_score":0.01666852485920702},{"text":"And seeing if you do see a bit of fluctuation that makes you a little bit nervous, I think staying in a growth is good because what you have what's happened in the last one is still good and suitable for you.","start":1700.83,"end":1714.9099,"sentiment":"neutral","sentiment_score":0.061629721185281164},{"text":"And if we, yeah, if we bump it up, you will see potentially more fluctuations.","start":1714.9099,"end":1720.1951,"sentiment":"neutral","sentiment_score":0.007124420752127965}],"sentiment":"neutral","sentiment_score":0.10199901091523077,"num_words":152,"start":1663.465,"end":1720.1951},{"sentences":[{"text":"So I think, yeah, I think it's a good kind of in between where you are right now.","start":1720.895,"end":1726.275,"sentiment":"positive","sentiment_score":0.47457111192246276},{"text":"And then, also, you know, the closer you get to retirement, we might wanna then start looking at reducing that a little bit and get more defensive when you have a little a little bit less.","start":1726.5751,"end":1736.39,"sentiment":"neutral","sentiment_score":0.055505051432798304},{"text":"So when you have, you know, only a couple of years, we might wanna look at reducing it.","start":1736.39,"end":1740.25,"sentiment":"neutral","sentiment_score":0.01544197534935342},{"text":"Before the interim, I do think that growth from what you are saying, what your time frame is suitable for you.","start":1740.95,"end":1747.495,"sentiment":"neutral","sentiment_score":0.07338680273720197},{"text":"As long as you, yeah, are okay seeing a little bit of fluctuations in the short term to make sure that it continues to grow.","start":1747.495,"end":1754.235,"sentiment":"neutral","sentiment_score":0.2916847407817841}],"sentiment":"neutral","sentiment_score":0.16653948135168875,"num_words":118,"start":1720.895,"end":1754.235},{"sentences":[{"text":"Yeah.","start":1755.415,"end":1755.915,"sentiment":"positive","sentiment_score":0.3672782778739929},{"text":"Yeah.","start":1756.4551,"end":1756.775,"sentiment":"positive","sentiment_score":0.464767187833786},{"text":"Perfect.","start":1756.775,"end":1757.275,"sentiment":"positive","sentiment_score":0.6975283026695251},{"text":"Now no.","start":1757.415,"end":1758.9501,"sentiment":"neutral","sentiment_score":0.3278784118592739},{"text":"That's okay.","start":1758.9501,"end":1759.75,"sentiment":"neutral","sentiment_score":0.12770743668079376}],"sentiment":"positive","sentiment_score":0.3486779236367771,"num_words":7,"start":1755.415,"end":1759.75},{"sentences":[{"text":"If anything does change, though, at any point in time, so it doesn't have to be an unreview time, if anything changes and you are, you know, concerned or you wanna talk more about it, you can always send me an email or call the office, and we can always book you in for a catch up.","start":1759.75,"end":1774.475,"sentiment":"neutral","sentiment_score":0.1247139853474341},{"text":"Even if it's not, like, the full interview, if it's just, like, a quarterly catch up or something, if you wanna talk about it, you're always more than welcome to do so.","start":1774.855,"end":1783.4349,"sentiment":"neutral","sentiment_score":0.14712527627125382},{"text":"Yes.","start":1784.5499,"end":1785.0299,"sentiment":"neutral","sentiment_score":0.07528261840343475},{"text":"No.","start":1785.0299,"end":1785.27,"sentiment":"neutral","sentiment_score":0.011254563927650452},{"text":"That's okay.","start":1785.27,"end":1786.09,"sentiment":"neutral","sentiment_score":0.032457126304507256}],"sentiment":"neutral","sentiment_score":0.12868986495079532,"num_words":93,"start":1759.75,"end":1786.09},{"sentences":[{"text":"Now let me see here.","start":1787.35,"end":1788.97,"sentiment":"neutral","sentiment_score":0.026137078180909157},{"text":"Otherwise, with the documents while we are on them, what is the next attachment that you can see on your end to make?","start":1789.75,"end":1797.21,"sentiment":"neutral","sentiment_score":0.027501860188077324},{"text":"Let me have a look for you.","start":1806.895,"end":1808.9149,"sentiment":"neutral","sentiment_score":0.012192232401243277},{"text":"Inflation average weekly.","start":1814.99,"end":1816.53,"sentiment":"neutral","sentiment_score":-0.0018418652471154935},{"text":"Yes.","start":1816.59,"end":1817.09,"sentiment":"neutral","sentiment_score":0.06197539716959}],"sentiment":"neutral","sentiment_score":0.023205733422237713,"num_words":39,"start":1787.35,"end":1817.09},{"sentences":[{"text":"So yes.","start":1817.23,"end":1817.87,"sentiment":"neutral","sentiment_score":0.06713283807039261},{"text":"Exactly.","start":1817.87,"end":1818.37,"sentiment":"neutral","sentiment_score":0.10171195864677428},{"text":"So it's what people were making.","start":1818.4299,"end":1821.73,"sentiment":"neutral","sentiment_score":0.048927815010150276},{"text":"So, obviously, back back in 1995, 639 a week would give you quite far.","start":1821.79,"end":1831.035,"sentiment":"neutral","sentiment_score":0.042149900059614866},{"text":"And then, obviously, now the average weekly earning is about 1,974.","start":1831.5751,"end":1838.28,"sentiment":"neutral","sentiment_score":0.05917525630105625}],"sentiment":"neutral","sentiment_score":0.052075616029255534,"num_words":34,"start":1817.23,"end":1838.28},{"sentences":[{"text":"Let me see what it says in the fine print.","start":1841.56,"end":1843.98,"sentiment":"neutral","sentiment_score":0.02186169698834419},{"text":"Usually, it's the full tax.","start":1844.04,"end":1846.4601,"sentiment":"neutral","sentiment_score":0.0074829100631177425},{"text":"Yeah.","start":1853.735,"end":1854.235,"sentiment":"neutral","sentiment_score":0.04748194292187691},{"text":"Oh, and, obviously, it's on average.","start":1857.255,"end":1860.6951,"sentiment":"neutral","sentiment_score":0.0485619797060887},{"text":"So some people earn a lot more and some people earn a lot less.","start":1860.6951,"end":1863.99,"sentiment":"neutral","sentiment_score":0.03382257930934429}],"sentiment":"neutral","sentiment_score":0.029677818102451663,"num_words":36,"start":1841.56,"end":1863.99},{"sentences":[{"text":"Let me see here if it's the if it's Arthur.","start":1865.91,"end":1868.73,"sentiment":"neutral","sentiment_score":0.08705403283238411},{"text":"Yeah.","start":1871.75,"end":1872.23,"sentiment":"neutral","sentiment_score":0.30775535106658936},{"text":"And that's why I think it's a real really good one to to include, especially when there are bit of fluctuations.","start":1872.23,"end":1878.405,"sentiment":"neutral","sentiment_score":0.32218640616961886},{"text":"Is this good to see it a bit more kind of zoomed out?","start":1878.405,"end":1883.4651,"sentiment":"neutral","sentiment_score":0.2035008009809714},{"text":"Yes.","start":1885.365,"end":1885.865,"sentiment":"positive","sentiment_score":0.4356304407119751}],"sentiment":"neutral","sentiment_score":0.23968154483515283,"num_words":46,"start":1865.91,"end":1885.865},{"sentences":[{"text":"Me too.","start":1886.645,"end":1887.385,"sentiment":"neutral","sentiment_score":0.0875171385705471},{"text":"Me too.","start":1889.285,"end":1890.1051,"sentiment":"neutral","sentiment_score":-0.06016891449689865},{"text":"I obviously like the numbers.","start":1897.27,"end":1898.73,"sentiment":"neutral","sentiment_score":0.19763996005058287},{"text":"No.","start":1900.23,"end":1900.73,"sentiment":"neutral","sentiment_score":-0.15216848254203796},{"text":"Oh, yeah.","start":1902.71,"end":1903.29,"sentiment":"neutral","sentiment_score":-0.009408525191247463}],"sentiment":"neutral","sentiment_score":0.07265922628963987,"num_words":12,"start":1886.645,"end":1903.29},{"sentences":[{"text":"It doesn't actually say if it's after or before here.","start":1904.675,"end":1908.375,"sentiment":"neutral","sentiment_score":-0.03761137444525957},{"text":"Typically, I would say it's before, but it doesn't actually say on the graph, which is it was a very good question.","start":1908.915,"end":1917.655,"sentiment":"neutral","sentiment_score":0.052330855364826595},{"text":"I'll see if I can find it find out.","start":1919.54,"end":1921.86,"sentiment":"neutral","sentiment_score":0.089093709571494},{"text":"But, yeah, they do publish this every year.","start":1921.86,"end":1924.6,"sentiment":"neutral","sentiment_score":0.09884450491517782},{"text":"So every year, they do a bit of an update.","start":1925.14,"end":1927.32,"sentiment":"neutral","sentiment_score":0.09751397594809533}],"sentiment":"neutral","sentiment_score":0.05665939421219341,"num_words":59,"start":1904.675,"end":1927.32},{"sentences":[{"text":"They are a little bit so, typically, in 2026, they'll have it.","start":1927.62,"end":1932.1799,"sentiment":"neutral","sentiment_score":0.08058124439169963},{"text":"So you can kind of see to June 30.","start":1932.1799,"end":1934.36,"sentiment":"neutral","sentiment_score":0.08125562676125103},{"text":"So probably at the end of this financial year, they might release the 2026.","start":1934.6449,"end":1939.065,"sentiment":"neutral","sentiment_score":0.08724298514425755},{"text":"So you can even just Google that as well if it's something that you are interested in.","start":1939.445,"end":1943.445,"sentiment":"neutral","sentiment_score":0.07270533246371676},{"text":"Yeah.","start":1943.445,"end":1943.945,"sentiment":"neutral","sentiment_score":0.05496883764863014}],"sentiment":"neutral","sentiment_score":0.07944597839817123,"num_words":53,"start":1927.62,"end":1943.945},{"sentences":[{"text":"So then every yes.","start":1946.8999,"end":1950.44,"sentiment":"neutral","sentiment_score":0.10202295426279306},{"text":"And then yeah.","start":1950.8999,"end":1952.4199,"sentiment":"neutral","sentiment_score":0.2347718725601832},{"text":"So every year, they do one, which is good.","start":1952.4199,"end":1954.0199,"sentiment":"positive","sentiment_score":0.5297282073232863},{"text":"So then you can kind of see, okay, well, what's happened, which is really good.","start":1954.0199,"end":1958.2,"sentiment":"positive","sentiment_score":0.6566449602444967},{"text":"Now, Melissa, on the last documents there for you, what are the ones that you have that you can see?","start":1959.955,"end":1967.735,"sentiment":"neutral","sentiment_score":0.11151371300220489}],"sentiment":"positive","sentiment_score":0.3521550973402519,"num_words":51,"start":1946.8999,"end":1967.735},{"sentences":[{"text":"Can you see a super summary?","start":1974.53,"end":1976.23,"sentiment":"neutral","sentiment_score":0.08639549588163693},{"text":"Yes.","start":1981.65,"end":1982.15,"sentiment":"neutral","sentiment_score":0.13841883838176727},{"text":"Now Yes, please.","start":1982.77,"end":1984.365,"sentiment":"neutral","sentiment_score":0.17764523377021155},{"text":"So that one shows you your super balance.","start":1984.365,"end":1987.245,"sentiment":"positive","sentiment_score":0.4182346686720848},{"text":"It seems like you go and have a look at it every now and then, which is good.","start":1987.245,"end":1990.385,"sentiment":"positive","sentiment_score":0.4454079535272386}],"sentiment":"positive","sentiment_score":0.34869300077358883,"num_words":36,"start":1974.53,"end":1990.385},{"sentences":[{"text":"That shows Yeah.","start":1990.525,"end":1993.745,"sentiment":"neutral","sentiment_score":0.07963064685463905},{"text":"So so yes.","start":1993.9651,"end":1999.28,"sentiment":"neutral","sentiment_score":0.04629908626278242},{"text":"Yesterday, what we did is 203, 646.","start":1999.3401,"end":2003.8401,"sentiment":"neutral","sentiment_score":0.04504172344292913},{"text":"Now your other attachments, you can see through that says, HP Financial Services Guide and then also one that says services guide version one.","start":2006.4601,"end":2017.625,"sentiment":"neutral","sentiment_score":0.038878788938745856},{"text":"Yeah.","start":2019.3651,"end":2019.8651,"sentiment":"neutral","sentiment_score":0.04856191575527191}],"sentiment":"neutral","sentiment_score":0.04407195036152476,"num_words":38,"start":1990.525,"end":2019.8651},{"sentences":[{"text":"Yep.","start":2022.1,"end":2022.58,"sentiment":"neutral","sentiment_score":0.04455450177192688},{"text":"Now these ones here, you would have seen similar before.","start":2022.58,"end":2025.2999,"sentiment":"neutral","sentiment_score":0.07203276976943015},{"text":"It's just a bit of an updated version to our financial service guide.","start":2025.2999,"end":2029.08,"sentiment":"neutral","sentiment_score":0.11179613837829003},{"text":"It does give you all the important information that you do need to know about us.","start":2029.94,"end":2035.0599,"sentiment":"neutral","sentiment_score":0.17421298939734697},{"text":"So if you go, for example, in through the version one document, the the financial services guide version four is just a little condensed version.","start":2035.0599,"end":2045.3251,"sentiment":"neutral","sentiment_score":0.05058268308639526}],"sentiment":"neutral","sentiment_score":0.0964647216292528,"num_words":65,"start":2022.1,"end":2045.3251},{"sentences":[{"text":"I'll let you have a look over that in your own time.","start":2045.385,"end":2047.885,"sentiment":"neutral","sentiment_score":0.07702385416875283},{"text":"But that version two, you will see it is quite extensive, but it gives you everything that you need to know.","start":2047.9451,"end":2054.5,"sentiment":"neutral","sentiment_score":0.13052901661112196},{"text":"You would have seen this one before.","start":2054.5,"end":2056.2,"sentiment":"neutral","sentiment_score":0.0315337920827525},{"text":"It is just a bit of an updated version.","start":2056.9001,"end":2058.98,"sentiment":"neutral","sentiment_score":0.17364703946643406},{"text":"We've had some changes from marketing, which is good, and also an extension to the team.","start":2058.98,"end":2063.56,"sentiment":"positive","sentiment_score":0.34253739938139915}],"sentiment":"neutral","sentiment_score":0.16814698290366392,"num_words":65,"start":2045.385,"end":2063.56},{"sentences":[{"text":"So if you wanna scroll down to page 10, you should see a photo of myself there as well.","start":2064.0652,"end":2074.225,"sentiment":"neutral","sentiment_score":0.15439656023916445},{"text":"And sometimes it is nice to put a face to the voice.","start":2074.225,"end":2076.885,"sentiment":"neutral","sentiment_score":0.24563229704896608},{"text":"No.","start":2081.1902,"end":2081.4302,"sentiment":"neutral","sentiment_score":-0.12203830480575562},{"text":"That's okay.","start":2081.4302,"end":2082.33,"sentiment":"neutral","sentiment_score":-0.05948105454444885},{"text":"It it is a bit of a longer one.","start":2083.35,"end":2085.59,"sentiment":"neutral","sentiment_score":-0.07722689376937018}],"sentiment":"neutral","sentiment_score":0.11500185468169145,"num_words":43,"start":2064.0652,"end":2085.59},{"sentences":[{"text":"Sorry.","start":2085.59,"end":2086.09,"sentiment":"neutral","sentiment_score":-0.05643586069345474},{"text":"You will see that.","start":2087.51,"end":2089.2102,"sentiment":"neutral","sentiment_score":0.005128710996359587},{"text":"No.","start":2092.625,"end":2092.865,"sentiment":"neutral","sentiment_score":-0.05625702440738678},{"text":"That's okay.","start":2092.865,"end":2093.685,"sentiment":"neutral","sentiment_score":0.00748159596696496},{"text":"And you will see me next to Dana.","start":2098.465,"end":2100.645,"sentiment":"neutral","sentiment_score":0.03593988250941038}],"sentiment":"neutral","sentiment_score":0.013144013180863112,"num_words":16,"start":2085.59,"end":2100.645},{"sentences":[{"text":"Yes.","start":2105.2,"end":2105.68,"sentiment":"neutral","sentiment_score":0.06437599658966064},{"text":"I think we I think we spoke not last year, but the year before because I do remember yeah.","start":2105.68,"end":2114.42,"sentiment":"neutral","sentiment_score":0.02419963077102837},{"text":"We did.","start":2115.965,"end":2116.7651,"sentiment":"neutral","sentiment_score":0.050644541159272194},{"text":"So yeah.","start":2116.7651,"end":2117.405,"sentiment":"neutral","sentiment_score":0.06800161674618721},{"text":"Just bit just bit of updated photo there for you.","start":2117.405,"end":2119.825,"sentiment":"neutral","sentiment_score":0.06471229493618011}],"sentiment":"neutral","sentiment_score":0.04142894842387999,"num_words":34,"start":2105.2,"end":2119.825},{"sentences":[{"text":"So yeah.","start":2121.725,"end":2122.445,"sentiment":"neutral","sentiment_score":0.0919351875782013},{"text":"That's all in there for you.","start":2122.445,"end":2124.065,"sentiment":"neutral","sentiment_score":0.1114343764881293},{"text":"Now The version the version one is where you have, yeah, it's where you have the advice team.","start":2124.125,"end":2142.28,"sentiment":"neutral","sentiment_score":0.009536691113478608},{"text":"You also see, like, a chief of staff, operations manager.","start":2143.005,"end":2146.4648,"sentiment":"neutral","sentiment_score":0.05389689281582832},{"text":"Otherwise, you'll see all the advices in there for you, a marketing and head of administration.","start":2147.4849,"end":2152.625,"sentiment":"neutral","sentiment_score":0.07747011538594961}],"sentiment":"neutral","sentiment_score":0.05389668939348597,"num_words":52,"start":2121.725,"end":2152.625},{"sentences":[{"text":"If you go on the website, you can then see all the admin team.","start":2154.2048,"end":2159.03,"sentiment":"neutral","sentiment_score":0.058120678312012126},{"text":"So, like, Michelle, if you've spoken to her before, our power planning research team, everyone else is on the website for you as well.","start":2159.03,"end":2166.8901,"sentiment":"neutral","sentiment_score":0.06104348273947835},{"text":"Yep.","start":2167.99,"end":2168.49,"sentiment":"neutral","sentiment_score":0.32396554946899414},{"text":"Now that was all those attachments.","start":2169.51,"end":2171.45,"sentiment":"neutral","sentiment_score":0.18178916225830713},{"text":"If you then click on the link for me, if that works, you should see two documents.","start":2172.9548,"end":2179.615,"sentiment":"neutral","sentiment_score":0.08204824652741938}],"sentiment":"neutral","sentiment_score":0.08206860961452607,"num_words":62,"start":2154.2048,"end":2179.615},{"sentences":[{"text":"Yep.","start":2182.7148,"end":2183.2148,"sentiment":"neutral","sentiment_score":0.02639053575694561},{"text":"Yeah.","start":2193.2102,"end":2193.53,"sentiment":"neutral","sentiment_score":0.007564053870737553},{"text":"Of course.","start":2193.53,"end":2194.1902,"sentiment":"neutral","sentiment_score":-0.005388385616242886},{"text":"Okay.","start":2211.4802,"end":2211.9802,"sentiment":"neutral","sentiment_score":0.004248164594173431},{"text":"No.","start":2212.4402,"end":2212.6,"sentiment":"neutral","sentiment_score":-0.09497970342636108}],"sentiment":"neutral","sentiment_score":-0.011258953406165043,"num_words":6,"start":2182.7148,"end":2212.6},{"sentences":[{"text":"That's okay.","start":2212.6,"end":2213.4202,"sentiment":"neutral","sentiment_score":-0.043082913383841515},{"text":"Yes.","start":2216.04,"end":2216.54,"sentiment":"neutral","sentiment_score":-0.06963863968849182},{"text":"Yes.","start":2218.04,"end":2218.54,"sentiment":"neutral","sentiment_score":-0.06150079891085625},{"text":"So yes.","start":2218.6,"end":2220.04,"sentiment":"neutral","sentiment_score":-0.029916072264313698},{"text":"So if you click on that, you should see through through on the document when you click on the link.","start":2220.04,"end":2224.905,"sentiment":"neutral","sentiment_score":0.020274252723902465}],"sentiment":"neutral","sentiment_score":0.004936447868553491,"num_words":26,"start":2212.6,"end":2224.905},{"sentences":[{"text":"Now there should be one the first one where it says Netwealth advise fee consent.","start":2225.125,"end":2231.545,"sentiment":"neutral","sentiment_score":0.009220317999521891},{"text":"Can you see that?","start":2231.925,"end":2232.9849,"sentiment":"neutral","sentiment_score":0.01252010339521803},{"text":"Yep.","start":2238.02,"end":2238.52,"sentiment":"neutral","sentiment_score":0.05815717205405235},{"text":"Yep.","start":2238.82,"end":2239.22,"sentiment":"neutral","sentiment_score":0.09768472611904144},{"text":"So this one is the the ongoing service agreement.","start":2239.22,"end":2242.2002,"sentiment":"neutral","sentiment_score":0.1311564702126715}],"sentiment":"neutral","sentiment_score":0.050821177122027925,"num_words":30,"start":2225.125,"end":2242.2002},{"sentences":[{"text":"And that is just to say that you are happy exactly.","start":2243.1401,"end":2246.84,"sentiment":"neutral","sentiment_score":0.21766170046546243},{"text":"So you are happy to stay on as a client for the next twelve months, but there is no lock in contact.","start":2246.98,"end":2252.705,"sentiment":"neutral","sentiment_score":0.24649470384148034},{"text":"So if at any point in time you are not happy with the service, there is no lock in contact.","start":2252.705,"end":2257.205,"sentiment":"neutral","sentiment_score":0.051131066866219044},{"text":"Otherwise, this essential lets us service and manage your account for you.","start":2257.5852,"end":2261.8252,"sentiment":"neutral","sentiment_score":0.21800282349189123},{"text":"And then until next annual review, where we would go through this again to see if you are happy to stay on for another twelve months.","start":2261.8252,"end":2268.06,"sentiment":"neutral","sentiment_score":0.12979758989352447}],"sentiment":"neutral","sentiment_score":0.1629731290779271,"num_words":91,"start":2243.1401,"end":2268.06},{"sentences":[{"text":"The advisory is not changing.","start":2269.0798,"end":2271.0,"sentiment":"neutral","sentiment_score":-0.007412134855985642},{"text":"It stays exactly the same at 1.65 from super.","start":2271.0,"end":2275.18,"sentiment":"neutral","sentiment_score":0.045873074895805784},{"text":"So no changes to that one.","start":2275.4,"end":2276.8599,"sentiment":"neutral","sentiment_score":0.12757763639092445},{"text":"And then the last one is just just a compliance form just to say that we have your tax file number secure on file, essentially.","start":2277.24,"end":2285.555,"sentiment":"neutral","sentiment_score":0.14399172931909562},{"text":"Yep.","start":2287.055,"end":2287.555,"sentiment":"neutral","sentiment_score":0.2099282443523407}],"sentiment":"neutral","sentiment_score":0.10763009337951308,"num_words":46,"start":2269.0798,"end":2287.555},{"sentences":[{"text":"Yes.","start":2289.135,"end":2289.535,"sentiment":"neutral","sentiment_score":0.154648095369339},{"text":"If you're happy to do that, that would be great.","start":2289.535,"end":2291.615,"sentiment":"neutral","sentiment_score":0.232684363424778},{"text":"And then we get that loaded.","start":2291.615,"end":2293.1548,"sentiment":"neutral","sentiment_score":0.09185986127704382},{"text":"Yes.","start":2295.1199,"end":2295.6199,"sentiment":"neutral","sentiment_score":0.045156680047512054},{"text":"That works the case for you, Melissa?","start":2306.575,"end":2308.2751,"sentiment":"neutral","sentiment_score":0.1401457722697939}],"sentiment":"neutral","sentiment_score":0.16235311932861804,"num_words":25,"start":2289.135,"end":2308.2751},{"sentences":[{"text":"Yep.","start":2311.615,"end":2312.115,"sentiment":"neutral","sentiment_score":0.007253202609717846},{"text":"Technology sometimes.","start":2312.655,"end":2314.2751,"sentiment":"neutral","sentiment_score":0.0026334202848374844},{"text":"It's great when it works, but sometimes it's yeah.","start":2316.0151,"end":2319.955,"sentiment":"neutral","sentiment_score":0.04672634906859861},{"text":"Oh, yeah.","start":2323.36,"end":2323.94,"sentiment":"neutral","sentiment_score":-0.05301881395280361},{"text":"No.","start":2324.6401,"end":2324.8801,"sentiment":"neutral","sentiment_score":-0.05710238218307495}],"sentiment":"neutral","sentiment_score":0.01799447831387321,"num_words":15,"start":2311.615,"end":2324.8801},{"sentences":[{"text":"That's okay.","start":2324.8801,"end":2325.86,"sentiment":"neutral","sentiment_score":-0.028937318362295628},{"text":"That's yes.","start":2327.9202,"end":2329.22,"sentiment":"neutral","sentiment_score":0.16735216230154037},{"text":"Perfect.","start":2329.36,"end":2329.86,"sentiment":"positive","sentiment_score":0.4854624271392822},{"text":"While I do kind of oh, actually, I just got notified that you came through, so that's great.","start":2330.24,"end":2334.945,"sentiment":"positive","sentiment_score":0.3500939690404468},{"text":"So thank you so much for that.","start":2335.185,"end":2337.205,"sentiment":"positive","sentiment_score":0.7036516155515399}],"sentiment":"positive","sentiment_score":0.3996514955535531,"num_words":30,"start":2324.8801,"end":2337.205},{"sentences":[{"text":"Now I do have a couple more questions just to see if anything has changed for you.","start":2337.985,"end":2343.2651,"sentiment":"neutral","sentiment_score":0.24782183503403382},{"text":"So just bear with me, then I will let you go and enjoy the rest of your day.","start":2343.2651,"end":2348.085,"sentiment":"positive","sentiment_score":0.4100959135426415},{"text":"Let me see here.","start":2350.49,"end":2351.71,"sentiment":"neutral","sentiment_score":0.07010958064347506},{"text":"If it is at the end of the financial year that you do wanna make another lump sum to superannuation, just just let us know.","start":2351.8499,"end":2359.21,"sentiment":"neutral","sentiment_score":0.04083148308098316},{"text":"We can obviously send you the details.","start":2359.21,"end":2360.89,"sentiment":"neutral","sentiment_score":0.19443054071494512}],"sentiment":"neutral","sentiment_score":0.2008019270978763,"num_words":71,"start":2337.985,"end":2360.89},{"sentences":[{"text":"And if you then wanna do the notice of intent to claim the tax back, Just let us know, yeah, just let us know a couple of weeks before the end of the financial year just to make sure we have enough time for you.","start":2360.89,"end":2375.125,"sentiment":"neutral","sentiment_score":0.13007538119951884},{"text":"Yep.","start":2376.465,"end":2376.865,"sentiment":"neutral","sentiment_score":0.07951461523771286},{"text":"And just be mindful of their contribution cap as well, which is 30,000.","start":2376.865,"end":2381.365,"sentiment":"neutral","sentiment_score":0.04129685461521149},{"text":"Otherwise, assets and liabilities wise, has anything changed?","start":2384.46,"end":2389.2,"sentiment":"neutral","sentiment_score":-0.010924612171947956},{"text":"You said, obviously, you're renting do you have a motor vehicle or anything?","start":2389.74,"end":2393.04,"sentiment":"neutral","sentiment_score":-0.012868301011621952}],"sentiment":"neutral","sentiment_score":0.07768851335858926,"num_words":80,"start":2360.89,"end":2393.04},{"sentences":[{"text":"Or No.","start":2393.1,"end":2394.815,"sentiment":"neutral","sentiment_score":-0.10407572891563177},{"text":"No.","start":2395.915,"end":2396.415,"sentiment":"neutral","sentiment_score":-0.026385415345430378},{"text":"Yeah.","start":2397.9949,"end":2398.4949,"sentiment":"neutral","sentiment_score":0.025117889046669006},{"text":"Do you have any, like, liabilities, personal loans, credit cards, ZipPay?","start":2398.795,"end":2402.7349,"sentiment":"neutral","sentiment_score":-0.0023011344654316254},{"text":"No.","start":2404.7148,"end":2405.2148,"sentiment":"neutral","sentiment_score":-0.07594984769821167}],"sentiment":"neutral","sentiment_score":-0.01941758193424903,"num_words":16,"start":2393.1,"end":2405.2148},{"sentences":[{"text":"Yeah.","start":2407.2102,"end":2407.7102,"sentiment":"neutral","sentiment_score":-0.02707715518772602},{"text":"Yes.","start":2408.4102,"end":2408.8901,"sentiment":"neutral","sentiment_score":0.08303409814834595},{"text":"Perfect.","start":2408.8901,"end":2409.3901,"sentiment":"positive","sentiment_score":0.477820485830307},{"text":"Health and lifestyle wise, I have you down here as a nonsmoker.","start":2410.81,"end":2414.51,"sentiment":"neutral","sentiment_score":0.10874549765139818},{"text":"Yep.","start":2416.01,"end":2416.33,"sentiment":"neutral","sentiment_score":0.16624638438224792}],"sentiment":"neutral","sentiment_score":0.12531061156187207,"num_words":16,"start":2407.2102,"end":2416.33},{"sentences":[{"text":"Perfect.","start":2416.33,"end":2416.83,"sentiment":"positive","sentiment_score":0.5051427483558655},{"text":"Any changes to your health in the last twelve months?","start":2417.37,"end":2420.1902,"sentiment":"neutral","sentiment_score":-0.04885313492268324},{"text":"No.","start":2421.425,"end":2421.925,"sentiment":"neutral","sentiment_score":-0.14565840363502502},{"text":"That's good.","start":2423.025,"end":2423.925,"sentiment":"positive","sentiment_score":0.407626748085022},{"text":"And, obviously, we don't have any insurances for you at the moment.","start":2424.705,"end":2428.065,"sentiment":"neutral","sentiment_score":-0.22976724493006864}],"sentiment":"neutral","sentiment_score":-0.07965386336526045,"num_words":26,"start":2416.33,"end":2428.065},{"sentences":[{"text":"You're still obviously happy happy with that?","start":2428.065,"end":2430.325,"sentiment":"neutral","sentiment_score":0.015371781374726976},{"text":"So there are a range of, yes, life insurance and total permanent disability insurance.","start":2434.16,"end":2439.7,"sentiment":"neutral","sentiment_score":-0.06539564925645079},{"text":"So if something were to happen and you were unable to go back to work or trauma insurance, if you suffer a traumatic yes.","start":2440.48,"end":2453.4949,"sentiment":"neutral","sentiment_score":-0.1275552036240697},{"text":"Personal risk insurance.","start":2456.035,"end":2457.315,"sentiment":"neutral","sentiment_score":-0.025327297548453014},{"text":"So they are they are very tailored to you.","start":2457.315,"end":2459.795,"sentiment":"neutral","sentiment_score":0.1184360459446907}],"sentiment":"neutral","sentiment_score":-0.05051436817698311,"num_words":57,"start":2428.065,"end":2459.795},{"sentences":[{"text":"So it it's dependent on age.","start":2459.795,"end":2462.79,"sentiment":"neutral","sentiment_score":-0.03866248577833176},{"text":"It's dependent on occupation and health to then then see the cost.","start":2462.79,"end":2469.1301,"sentiment":"neutral","sentiment_score":-0.00791720460013797},{"text":"So if it is something that you are interested in, the process would be that we would I would book you in for a pre assessment.","start":2469.4302,"end":2477.205,"sentiment":"neutral","sentiment_score":0.12350210962960353},{"text":"What that would do is multiple choice questions just to get an in-depth understanding of your health, your lifestyle, and your occupation.","start":2477.905,"end":2487.445,"sentiment":"neutral","sentiment_score":0.13554739207029343},{"text":"From that, we would send that out to all insurers out out there to see what they would offer, then I'll be able to get quotes.","start":2488.59,"end":2496.61,"sentiment":"neutral","sentiment_score":0.14592500116962653}],"sentiment":"neutral","sentiment_score":0.10500180583103033,"num_words":92,"start":2459.795,"end":2496.61},{"sentences":[{"text":"So it is a bit of a lengthy process.","start":2496.6702,"end":2498.53,"sentiment":"neutral","sentiment_score":-0.02611823607650068},{"text":"They do tend to get more expensive the older you get.","start":2500.27,"end":2503.9702,"sentiment":"neutral","sentiment_score":-0.24931989068334753},{"text":"But if it is something that you want to look at, I'll be more than happy to book you in for a pre assessment if if you wanna look at insurances.","start":2505.365,"end":2513.785,"sentiment":"neutral","sentiment_score":0.3332727925791856},{"text":"Yes.","start":2523.4602,"end":2523.9602,"sentiment":"neutral","sentiment_score":-0.04378007352352142},{"text":"Yes.","start":2526.02,"end":2526.5,"sentiment":"neutral","sentiment_score":0.012595269829034804}],"sentiment":"neutral","sentiment_score":0.13816394045386673,"num_words":53,"start":2496.6702,"end":2526.5},{"sentences":[{"text":"And they do get the older you get, they get a lot more expensive because in the insurance point of view, there is a higher chance of a risk.","start":2526.5,"end":2534.575,"sentiment":"neutral","sentiment_score":-0.17902830448643914},{"text":"Exactly.","start":2534.875,"end":2535.375,"sentiment":"neutral","sentiment_score":-0.09633363783359528},{"text":"Oh, yeah.","start":2545.61,"end":2545.9302,"sentiment":"neutral","sentiment_score":0.006570941302925348},{"text":"Is that private private health insurance, or is that, like, a bit of a life?","start":2545.9302,"end":2549.3901,"sentiment":"neutral","sentiment_score":-0.013070193181435267},{"text":"Yeah.","start":2552.81,"end":2553.31,"sentiment":"neutral","sentiment_score":-0.02038136869668961}],"sentiment":"neutral","sentiment_score":-0.11440514274484788,"num_words":48,"start":2526.5,"end":2553.31},{"sentences":[{"text":"Yeah.","start":2554.57,"end":2555.07,"sentiment":"neutral","sentiment_score":-0.040369510650634766},{"text":"Yeah.","start":2557.705,"end":2558.205,"sentiment":"neutral","sentiment_score":-0.046530432999134064},{"text":"Exactly.","start":2560.585,"end":2561.085,"sentiment":"neutral","sentiment_score":0.08332425355911255},{"text":"Yes.","start":2561.865,"end":2562.265,"sentiment":"neutral","sentiment_score":0.21953430771827695},{"text":"And it's pretty pretty reasonable for price because, yeah, they can cost quite a bit the older you get.","start":2562.265,"end":2569.645,"sentiment":"neutral","sentiment_score":0.007525423639699032}],"sentiment":"neutral","sentiment_score":0.0156061594253001,"num_words":23,"start":2554.57,"end":2569.645},{"sentences":[{"text":"Yeah.","start":2570.1802,"end":2570.6802,"sentiment":"neutral","sentiment_score":-0.0627259761095047},{"text":"Yeah.","start":2573.54,"end":2574.04,"sentiment":"neutral","sentiment_score":-0.08496081829071045},{"text":"Exactly.","start":2578.1,"end":2578.6,"sentiment":"neutral","sentiment_score":-0.14620274305343628},{"text":"Yeah.","start":2580.1,"end":2580.6,"sentiment":"neutral","sentiment_score":-0.2455091029405594},{"text":"Yeah.","start":2582.26,"end":2582.76,"sentiment":"neutral","sentiment_score":-0.18297742307186127}],"sentiment":"neutral","sentiment_score":-0.14447521269321442,"num_words":5,"start":2570.1802,"end":2582.76},{"sentences":[{"text":"Yeah.","start":2585.435,"end":2585.935,"sentiment":"neutral","sentiment_score":-0.014714776538312435},{"text":"Okay.","start":2586.3152,"end":2586.715,"sentiment":"neutral","sentiment_score":0.04942698776721954},{"text":"Perfect.","start":2586.715,"end":2587.195,"sentiment":"neutral","sentiment_score":0.16789580881595612},{"text":"Well, we can leave it for now.","start":2587.195,"end":2588.475,"sentiment":"neutral","sentiment_score":0.03164505399763584},{"text":"If anything changed, let me know.","start":2588.475,"end":2590.495,"sentiment":"neutral","sentiment_score":0.008577632562567791}],"sentiment":"neutral","sentiment_score":0.029724324587732553,"num_words":16,"start":2585.435,"end":2590.495},{"sentences":[{"text":"But, yeah, we can always we can always have a look at it if you want to, but, yes, obviously, the older you get, the more they get quite a bit more expensive.","start":2591.915,"end":2599.12,"sentiment":"neutral","sentiment_score":-0.011189486577429554},{"text":"Yeah.","start":2599.26,"end":2599.76,"sentiment":"neutral","sentiment_score":0.0017956206575036049},{"text":"Yeah.","start":2599.9001,"end":2600.4001,"sentiment":"neutral","sentiment_score":0.09470845013856888},{"text":"No.","start":2602.22,"end":2602.72,"sentiment":"neutral","sentiment_score":0.04462677612900734},{"text":"Perfect.","start":2603.02,"end":2603.52,"sentiment":"neutral","sentiment_score":0.18622764945030212}],"sentiment":"neutral","sentiment_score":-0.001132285423778199,"num_words":37,"start":2591.915,"end":2603.52},{"sentences":[{"text":"No.","start":2603.82,"end":2604.1401,"sentiment":"neutral","sentiment_score":0.030533861368894577},{"text":"There is no.","start":2604.1401,"end":2606.3801,"sentiment":"neutral","sentiment_score":0.019369357575972874},{"text":"That's okay.","start":2606.3801,"end":2607.28,"sentiment":"neutral","sentiment_score":-0.011519902385771275},{"text":"Yes.","start":2608.1401,"end":2608.54,"sentiment":"neutral","sentiment_score":0.1045454889535904},{"text":"Now there is just one thing I do wanna check with you before I let you go, Melissa.","start":2608.54,"end":2612.24,"sentiment":"neutral","sentiment_score":0.0077117689781718785}],"sentiment":"neutral","sentiment_score":0.012358378395438194,"num_words":25,"start":2603.82,"end":2612.24},{"sentences":[{"text":"Sorry.","start":2612.635,"end":2612.955,"sentiment":"neutral","sentiment_score":-0.042971618473529816},{"text":"And that is just your beneficiary form.","start":2612.955,"end":2615.675,"sentiment":"neutral","sentiment_score":-0.024905388110450337},{"text":"So on hub twenty sorry.","start":2615.675,"end":2617.915,"sentiment":"neutral","sentiment_score":-0.01336580254137516},{"text":"On Netwealth, so your superannuation, if something were to happen to you, I have Jody nominated.","start":2617.915,"end":2622.975,"sentiment":"neutral","sentiment_score":-0.005644213684718125},{"text":"I do wanted to check because the superannuation makes it quite difficult on who you can nominate directly through super.","start":2624.6301,"end":2632.8901,"sentiment":"neutral","sentiment_score":-0.09447378013283014}],"sentiment":"neutral","sentiment_score":-0.046202476929911244,"num_words":49,"start":2612.635,"end":2632.8901},{"sentences":[{"text":"They are quite strict on who is a valid nomination.","start":2633.03,"end":2636.81,"sentiment":"neutral","sentiment_score":-0.135523784160614},{"text":"So the the only people that you can have directly through Stupa is a spouse, a child, or someone that you have a financial interdependent relationship with.","start":2637.59,"end":2650.205,"sentiment":"neutral","sentiment_score":-0.035887035713703545},{"text":"Basically, what that means is someone that must re rely on you financially.","start":2650.345,"end":2654.93,"sentiment":"neutral","sentiment_score":-0.035694319754838943},{"text":"If you were to pass away, you live together and provide, you know, financial domestic and personal care support.","start":2655.79,"end":2662.77,"sentiment":"neutral","sentiment_score":-0.00818479645654167},{"text":"Would your sister fall into that category?","start":2663.55,"end":2666.29,"sentiment":"neutral","sentiment_score":-0.027774157002568245}],"sentiment":"neutral","sentiment_score":-0.04129137097870147,"num_words":76,"start":2633.03,"end":2666.29},{"sentences":[{"text":"No.","start":2667.9749,"end":2668.4749,"sentiment":"neutral","sentiment_score":-0.21910914778709412},{"text":"Yeah.","start":2670.055,"end":2670.555,"sentiment":"neutral","sentiment_score":-0.08539821207523346},{"text":"Yeah.","start":2671.4949,"end":2671.9749,"sentiment":"neutral","sentiment_score":-0.15040850639343262},{"text":"So they do make it tricky.","start":2671.9749,"end":2674.135,"sentiment":"negative","sentiment_score":-0.35418392221132916},{"text":"The good thing is you can still give it to her.","start":2674.135,"end":2675.895,"sentiment":"positive","sentiment_score":0.44154917110096326}],"sentiment":"neutral","sentiment_score":0.11385107412934303,"num_words":20,"start":2667.9749,"end":2675.895},{"sentences":[{"text":"We would just have to change the way that it is.","start":2675.895,"end":2678.395,"sentiment":"neutral","sentiment_score":0.03227699243209579},{"text":"So, yeah, so you can still very much give it because I we have so many clients who give that to, you know, brothers and sisters and nephews and nieces or friends.","start":2678.6948,"end":2688.38,"sentiment":"neutral","sentiment_score":0.19540608022361994},{"text":"So you very much can still give it to your sister.","start":2689.56,"end":2692.04,"sentiment":"positive","sentiment_score":0.3639302876862613},{"text":"The only way that we would have to change it is that on the beneficiary form, we would have to change it to say a legal personal representative.","start":2692.04,"end":2702.0352,"sentiment":"neutral","sentiment_score":0.034145542952631204},{"text":"What that basically means is saying that it reverts to your will.","start":2703.375,"end":2707.955,"sentiment":"neutral","sentiment_score":0.03627775190398097}],"sentiment":"neutral","sentiment_score":0.1276881156806299,"num_words":94,"start":2675.895,"end":2707.955},{"sentences":[{"text":"Now in your will, you can stipulate exactly who you want to give it to.","start":2708.335,"end":2713.9,"sentiment":"neutral","sentiment_score":0.038569535190860434},{"text":"No.","start":2716.44,"end":2716.94,"sentiment":"neutral","sentiment_score":-0.11976347863674164},{"text":"It is good.","start":2718.2,"end":2719.32,"sentiment":"neutral","sentiment_score":0.20041634142398834},{"text":"Now you can do different ways.","start":2719.32,"end":2721.48,"sentiment":"neutral","sentiment_score":0.07342991605401039},{"text":"So, obviously, the most comprehensive way is to go through a lawyer.","start":2721.48,"end":2725.5051,"sentiment":"neutral","sentiment_score":0.04520648531615734}],"sentiment":"neutral","sentiment_score":0.055218537665299466,"num_words":37,"start":2708.335,"end":2725.5051},{"sentences":[{"text":"Mhmm.","start":2726.525,"end":2726.765,"sentiment":"neutral","sentiment_score":0.02567560225725174},{"text":"That obviously costs more as well.","start":2726.765,"end":2728.925,"sentiment":"neutral","sentiment_score":-0.0015424611046910286},{"text":"So that is the most comprehensive.","start":2728.925,"end":2730.865,"sentiment":"neutral","sentiment_score":0.09957462673385938},{"text":"The other way you can do it is even just the post office have will kits, which are a lot cheaper.","start":2731.245,"end":2739.12,"sentiment":"neutral","sentiment_score":0.1549180465794745},{"text":"The only thing with that is just if you do decide to go that way, it's just to read the instructions carefully so that you've completed correctly, and then you can you can do it that way.","start":2739.18,"end":2750.56,"sentiment":"neutral","sentiment_score":0.1311310771349314}],"sentiment":"neutral","sentiment_score":0.12280278067878435,"num_words":71,"start":2726.525,"end":2750.56},{"sentences":[{"text":"Yeah, which is a little bit more affordable.","start":2751.975,"end":2753.915,"sentiment":"neutral","sentiment_score":0.3288220018148422},{"text":"And if you decide to do it that way, you are more than welcome to email me a copy if you would like, and I can keep it on file.","start":2754.0552,"end":2761.7551,"sentiment":"neutral","sentiment_score":0.25607267369826636},{"text":"So that way, if something were to happen, we have a copy of the will, and then we also have the beneficiary to say that it goes to the will.","start":2762.135,"end":2769.03,"sentiment":"neutral","sentiment_score":0.25229690174261726},{"text":"And then in the will, you can say that you would like Jodie to receive it.","start":2769.03,"end":2772.49,"sentiment":"neutral","sentiment_score":0.23063248489052057},{"text":"Exactly.","start":2776.0698,"end":2776.5698,"sentiment":"neutral","sentiment_score":0.14036396145820618}],"sentiment":"neutral","sentiment_score":0.25543702349943276,"num_words":85,"start":2751.975,"end":2776.5698},{"sentences":[{"text":"Exactly.","start":2777.5898,"end":2778.0898,"sentiment":"neutral","sentiment_score":0.20232991874217987},{"text":"So, yeah, they they're they're quite they're quite affordable, and that way you still have something in place to strengthen, you know, making sure they does go to her if something were to happen.","start":2779.185,"end":2791.7651,"sentiment":"neutral","sentiment_score":0.213166239178356},{"text":"So, Melissa, do you have access to a printer, or do you prefer things to be posted to you?","start":2791.825,"end":2798.31,"sentiment":"neutral","sentiment_score":0.034186853488024915},{"text":"Yeah.","start":2804.05,"end":2804.55,"sentiment":"neutral","sentiment_score":0.02368009090423584},{"text":"Okay.","start":2805.265,"end":2805.765,"sentiment":"neutral","sentiment_score":0.05815410614013672}],"sentiment":"neutral","sentiment_score":0.14609582971648447,"num_words":56,"start":2777.5898,"end":2805.765},{"sentences":[{"text":"Perfect.","start":2806.385,"end":2806.885,"sentiment":"positive","sentiment_score":0.6365982294082642},{"text":"So what I'll get to do is I would get them to email you a copy of your and do you want me to prefill it through the legal personal representative to make it easy?","start":2807.265,"end":2817.765,"sentiment":"neutral","sentiment_score":0.09665445355432374},{"text":"Yep.","start":2817.825,"end":2818.325,"sentiment":"neutral","sentiment_score":0.09917360544204712},{"text":"Yep.","start":2820.42,"end":2820.92,"sentiment":"neutral","sentiment_score":0.27415814995765686},{"text":"Perfect.","start":2820.98,"end":2821.48,"sentiment":"positive","sentiment_score":0.6163123846054077}],"sentiment":"neutral","sentiment_score":0.12843969855935145,"num_words":39,"start":2806.385,"end":2821.48},{"sentences":[{"text":"So I'll no.","start":2821.54,"end":2822.5,"sentiment":"neutral","sentiment_score":0.268396923939387},{"text":"That's okay.","start":2822.5,"end":2823.14,"sentiment":"neutral","sentiment_score":0.13996059074997902},{"text":"I will prefill it.","start":2823.14,"end":2824.5,"sentiment":"neutral","sentiment_score":0.14797868579626083},{"text":"I'll get the team to email you a copy.","start":2824.5,"end":2827.0,"sentiment":"neutral","sentiment_score":0.15840227074093288},{"text":"Yep.","start":2827.8599,"end":2828.3599,"sentiment":"neutral","sentiment_score":0.09341667592525482}],"sentiment":"neutral","sentiment_score":0.16821388468930595,"num_words":19,"start":2821.54,"end":2828.3599},{"sentences":[{"text":"When you have a moment, it just needs to be printed and web signed because you are making a legal nomination.","start":2828.58,"end":2834.3599,"sentiment":"neutral","sentiment_score":0.08567503413983754},{"text":"Return it through me, and then I'll get that uploaded and sorted on Netwealth.","start":2835.195,"end":2841.675,"sentiment":"neutral","sentiment_score":0.15970770748598234},{"text":"And if you do get a will, like I said, you're more than welcome to email that through as well.","start":2841.675,"end":2845.695,"sentiment":"neutral","sentiment_score":0.22288529798388482},{"text":"Yeah.","start":2853.13,"end":2853.3699,"sentiment":"neutral","sentiment_score":0.170619398355484},{"text":"Yeah.","start":2853.3699,"end":2853.8699,"sentiment":"neutral","sentiment_score":0.09705225378274918}],"sentiment":"neutral","sentiment_score":0.15369230234309247,"num_words":57,"start":2828.58,"end":2853.8699},{"sentences":[{"text":"Exactly.","start":2857.13,"end":2857.63,"sentiment":"neutral","sentiment_score":0.05345257744193077},{"text":"Yes.","start":2858.0898,"end":2858.5898,"sentiment":"neutral","sentiment_score":0.05698869377374649},{"text":"Yes.","start":2859.13,"end":2859.6099,"sentiment":"neutral","sentiment_score":0.04355684667825699},{"text":"It's exactly.","start":2859.6099,"end":2860.9949,"sentiment":"neutral","sentiment_score":0.04963848274201155},{"text":"It's not it's not a complex estate, which makes it easier because then you don't have to pay as much for it.","start":2861.295,"end":2866.015,"sentiment":"neutral","sentiment_score":0.09560385464944622}],"sentiment":"neutral","sentiment_score":0.08727999576539905,"num_words":27,"start":2857.13,"end":2866.015},{"sentences":[{"text":"So yeah.","start":2866.015,"end":2866.675,"sentiment":"neutral","sentiment_score":0.10901675000786781},{"text":"Yeah.","start":2869.775,"end":2870.275,"sentiment":"neutral","sentiment_score":0.23299571871757507},{"text":"Exactly.","start":2870.415,"end":2870.915,"sentiment":"neutral","sentiment_score":0.3122377395629883},{"text":"So I will get the team to email you that form.","start":2871.135,"end":2874.035,"sentiment":"neutral","sentiment_score":0.208106283437122},{"text":"If anything changed or if you need anything else at any point in time, just give us a call or send me an email, and we can always book you in for another catch up.","start":2874.66,"end":2882.5999,"sentiment":"neutral","sentiment_score":0.13241396078041623}],"sentiment":"neutral","sentiment_score":0.15373849406838416,"num_words":50,"start":2866.015,"end":2882.5999},{"sentences":[{"text":"Yeah.","start":2886.675,"end":2887.175,"sentiment":"neutral","sentiment_score":0.25628599524497986},{"text":"Yeah.","start":2888.115,"end":2888.615,"sentiment":"neutral","sentiment_score":0.1371142566204071},{"text":"Me me too, Melissa.","start":2888.7551,"end":2890.0352,"sentiment":"neutral","sentiment_score":0.1661406345665455},{"text":"And like I said, anything else you need, just give us a call.","start":2890.0352,"end":2892.595,"sentiment":"neutral","sentiment_score":0.11963640841153952},{"text":"But, otherwise, if I don't hear for you, I will talk to you next time to review.","start":2892.595,"end":2896.7668,"sentiment":"neutral","sentiment_score":0.1491563973181388}],"sentiment":"neutral","sentiment_score":0.1430248570524984,"num_words":36,"start":2886.675,"end":2896.7668},{"sentences":[{"text":"Yeah.","start":2897.7268,"end":2898.2268,"sentiment":"positive","sentiment_score":0.4762457013130188},{"text":"Okay.","start":2898.6868,"end":2899.1868,"sentiment":"positive","sentiment_score":0.46542680263519287},{"text":"You you too, Melissa.","start":2900.7668,"end":2901.6667,"sentiment":"neutral","sentiment_score":0.20863115787506104},{"text":"Bye.","start":2902.127,"end":2902.627,"sentiment":"neutral","sentiment_score":0.1347513496875763}],"sentiment":"neutral","sentiment_score":0.27299264073371887,"num_words":7,"start":2897.7268,"end":2902.627}]}}]},{"alternatives":[{"transcript":"Hi, Michelle. Oh, I'm good, Veronica. Hi. How are you? Yes. Yes. I'm just eating some toast. I'm so busy. I'm just stuck in my face at the moment, but it's okay. Yep. Yeah. I've got my laptop in front of me, so that's so good. Mhmm. Mhmm. Yep. That's fine. Mhmm. Sure. It's here on 09/04/1968, and it's Unit 544 Ford Avenue, Cots Point, New South Wales 2011. Great. Mhmm. I didn't have one last year, I don't think. So I don't know. I just I'm not really sure, to be honest. I haven't had time to really look at all of this. I'm sort of probably relying on you guys to do your stuff, I guess. Yeah. Yeah. Yeah. Yep. Mhmm. Yes. Mhmm. Yes. Mhmm. Yep. Just. That's correct. Yes. Yep. I think it'll be the same for her. Yeah. I'd actually already changed it. Yeah. I'm doing disability support work. Yeah. I am. Yeah. I am. Yeah. It's been quite quite a lot of challenges. A lot of challenges, like, about a year ago, but I'm sort of getting back back on my feet again. So yeah. About five maybe six years, actually. Five and a half years. Yeah. Because I used to work in corporate, and then during COVID, a lot of different things happened, and I just retrained. And, yeah, and with this particular role, you know, you're not really affected by COVID, so you can still work, which is good. Yeah. That's right. I should have done nursing, but, anyway yeah. Yeah. That's the thing. It is really tough because I had the same girls for three and a half years. I had two girls with schizophrenia, and and, like, a few things happened, and I ended up losing them, which is really sad. And it had nothing to do with me. It was a colleague I was working with, and it was just it was just really awful because I was making really good money. And I was as a single woman, I was finally able to sorta get ahead and maybe buy something and, you know, and then that just went crumbling down, and that really affected me. So that didn't really work much for six months because I was just so sad about how everything happened, and it was really unfair and injustice. There's a lot of people working in this industry that shouldn't be in the industry. Yeah. That was really upsetting. But yeah. But now I'm sort of, yeah, getting back on my feet again. So yeah. Yeah. Yeah. Because I was sort of I was with an agency, and then the support workers were like, you know, you're really good, Melissa. We wanna work directly with you. So they ended up working directly with these other girls. And then there was another girl I helped out, and I did everything for her. I write all the invoicing, the service agreements, all that kind of stuff, and she just basically shouldn't be working there. And that she's the reason why everything kinda fell apart, and she's still there. It's it's not good at all. You know, I was doing all the medical stuff. I was doing everything, and it was just yeah. It's just really horrible how it worked out. It's just absolutely unbelievable. I can't much left the industry because of it because it's just really, really unfair. So, anyway yeah. So now I put myself on Mable. So now I've got about five clients here, Mable. And, also, this one of the support coordinators I was working with, she could she could see exactly what was going on, but there's nothing she could do. But now I'm looking after her auntie. So so yeah. So I've still got some good contacts there, and, unfortunately, you know, what it's what it is. And, yeah, but I took, you know, about six months off, and then I had a trip to Italy because I had that planned, and I wasn't gonna go. And I thought, I don't care. I'm not putting any money in my super this year. I'm just gonna go because I just need it. Exactly. You know? And I came back and I was like, okay. Right. And I'm ready to tackle words again. Yeah. Yeah. If I could focus. Yeah. Absolutely. Not really. Not with everything that's going on at the moment. I think I just wanna sort of I sort of I'm back to working, you know, good hours again. But when I was working with the girls, I was doing four sleepovers at night, and I was doing week week weekend work. So I was making really good money, but now it's just Monday to Friday, and and it's hard. You know? Like, my rent's expensive. My rent's, like, 7 nearly 700 a week, and that's just my rent. And so I need to get some more weekend work or do some sleepovers to try and, you know, bump up my pay so so I can actually save something. But, anyway, we'll get there. Yep. Yeah. Yeah. Yep. It sort of it varies. It could be because last week, I did 45, but one of my colleagues was in hospital, and they asked me to do some mixed trials on the weekend. But with these two clients, I just get paid normal because it's aged care. So and, you know, they've only got so much funding. It's like, you know, it's better than nothing. I'll I'll come and do, you know, whatever you pay me Monday to Friday. And I really like one of them I certainly adore, so it's used across the road, so it's just easy as well. You don't have to pay for transport or anything like that. And so I'm happy to do that with her. But but, yeah, it could be anything from 35 to 45. And sometimes I pick up some work on the weekends, which I've been trying to do as well. I've looked after three different people who've who've been interstate in Sydney for the weekend. So so that's really good. So when they eventually you know, I've always got my eye open to see, you know, whatever little things you can do with one offs just to help you bump, you know, bump up my pay so I can survive. Yeah. Yeah. That's right. Yeah. Probably, I'm only making about 1,200 a week at the moment. I think last week, I did about 1,400, but I need to be making 2,000 for me to actually have a life and be able to save and pay my rent and pay your bills. Yeah. So I'm sort of working on that at the moment. But yeah. Yep. Yeah. That's in my hand after I've paid. That's the thing. Like, you think you've made really good money. And then by the time so I've just got over the threshold now, so I'm paying 30% because I didn't work much last year. So you think you're making really well you know, you're not yeah. Everything's okay. Then you take out your tax. You take it at the Medicare levy, and then you take out your super, and that's almost half your pay gone. Mhmm. I just pay myself. I just usually have a separate bank account. So, like, once a week, I'll just go through and I'll put all my tax. I'll put my Medicare levy, and I'll put my super into a separate account, and I don't touch that account. And then I might then I'm actually in interest on that account as well. So I try not to touch that unless I have to. Okay. So when I was making good money before, I always had $10,000 in another account, and then I had all that in another account, but I don't have the spare 10,000 anymore. Like, I like, I used to just to sort of play with, you know, for emergencies and stuff. So yeah. Mhmm. But it's just one it's just once a year that I tend to do that. I tend to do that just before tax. I mean, I should really put it in quarterly or something because at least it'll work for me. But then also, with Super at the moment, it's all over the place. Like, I was 2000 and 02/17000, now I'm down to 204. Like, it's just you know? And part of me doesn't wanna put money in Super at the moment because I just feel like it's so vulnerable. Yeah. Yeah. That's what I know. This is Trump and the tariffs. I think I put I put, like, not last year, the report I put 27,000 chunk in because that reduced my revenue, so it took me down to the the previous tax rate. And then I lost it all virtually when Trump paid me, but then I got some of it back again. But yeah, so it's just really frustrating. I thought, oh my god. I've worked so hard for that, and then you just lose it. Yeah. Yeah. Yeah. Yeah. That's right. Yeah. Yeah. Yeah. Yep. I don't have to approve that, do I, or anything? I wasn't sure. So I kinda read it really quickly, but but I yep. Yep. Yeah. Let me just see. Yeah. Where are we? Services guide, financial services guide, month net worth I r r. That one? Yeah. Monthly as well. Yeah. Yep. Yep. Yes. Mhmm. Yes. Mhmm. Yep. Yep. Yep. Mhmm. Yep. Mhmm. Yep. You you you swapped over. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Okay. Mhmm. Mhmm. Oh, okay. Oh, no. Mhmm. Yep. Mhmm. Mhmm. Yep. Yep. Okay. Uh-huh. I can. Mhmm. Yes. Okay. Yeah. Yeah. I know. It's hard at the moment. Yeah. Yep. Mhmm. Mhmm. Mhmm. Yeah. Yeah. Because we're the highest producer of lithium, aren't we, in the world, I think, Australia. We're we're, yeah, we're the highest producer of it. Yeah. Yeah. Yeah. Yes. Yes. Yes. Oh, okay. Yeah. Okay. So what what what's a really good percentage, like, if if it's a normal year without war and and Donald Trump? It must have been like in the previous couple of previous years. Yeah. Because it's a compare. So that would be so that would be 2025. It went up 9.35%. Yep. Mhmm. Okay. Yep. Yep. Yeah. Just so I can just see some comparison because I know it sounds awful, but it'd be interesting to know it was like a few years ago when we didn't have what was going on now. Yeah. Yeah. Yeah. The COVID was about five years ago, so if we go back maybe two and a half. And I know it's still it's been still recovering after COVID too. I guess I am a bit worried about it because I don't think I'll be retiring at 65 or whatever age that is. I think that's actually possible. And I know you sort of been sorry. Yeah. Well, I think I'll be doing that. So I really don't know. It just depends what the next, because I'm 57 now, but I forgot, like, another ten years, I think. But I need to have a lot more in my super and yeah. Because yeah. To see yeah. I just need yeah. I need to find some. So so I've gotta make about 2,000 a week. I've gotta have it in the hand if I wanna actually, you know, have a life and and save money, which is really hard to do. Like, I don't even know what people make these these days. Yes. Mhmm. Yeah. Okay. I called. Yes. Mhmm. Oh, okay. Yep. Mhmm. It'll make a big difference. Yeah. So did I did I lose a lot of money with the Benelon? Is that the is that the reason why why my why my my my my's gone down? Or is it just gone down because of what's happening in the world or or bit of both? Yeah. Yeah. Okay. So it's balanced out. Correct. Mhmm. Yep. Yep. Mhmm. Yep. Mhmm. Yeah. Mhmm. Okay. Yep. Let me just go back. Vanguard index. Yep. Yeah. It's a good vision. Yep. Yep. Yeah. Yeah. Okay. Okay. Okay. That's okay. That would have been better if I didn't have been along, but now we've changed that. So yeah. Yep. Yes. Mhmm. Yes. It's going up. It's amazing, from when, like, Rad Rad and Gillard were in. You don't realize, like, you know yeah. Look how much it's gone up since Biden's gone. That's a big difference. Yeah. Yeah. Okay. Cool. Yeah. Mhmm. Mhmm. Yep. Yep. No. Yeah. Yeah. So I need so it needs to work as, you know, the best we possibly can, I think? You know? Yeah. Mhmm. Yep. Yes. Mhmm. I don't know. That's a really difficult question to answer because you can't predict the future. You know? You know, like, I'd like to be a risk taker. I think you you I guess you sorta wanna risk more if you got another thirty years because, you know, things will come good eventually, and then you could sort of, you know, adjust it. But when I've got ten years, I don't know what the best option is, really. But what am I what am I at the moment? Am I high at the moment? Because I think I was the highest at one stage, and then I went down. Yeah. Yep. Mhmm. Yep. K. Mhmm. Yep. Yep. Okay. It says traveling to me. Mhmm. Yeah. Yep. Yep. Yeah. Yep. And any other defensive ones? The Australian banks are the defensive. Yep. Yeah. Mhmm. Yeah. Yep. Mhmm. Yep. Mhmm. Mhmm. Mhmm. Yep. Yeah. I mean, that sounds okay. Or do you think I should go up to the next one because I've got ten years? Yeah. Yeah. Yeah. Yeah. No. That's true. Yeah. Yeah. Okay. Well okay. Yes. Yep. Yep. Mhmm. Mhmm. Excellent. Yep. Yep. Okay. That sounds good. Yeah. Thank you for explaining it. Mhmm. Mhmm. Yep. Mhmm. Yep. Yeah. Okay. Thank you. Mhmm. I just wanted to ask with the Vanguard index chart at the bottom, it's got the average weekly earnings. Is that is that how much people were making each week back then? Yeah. The bottom of the Vanguard. Just noticed that it's got average weekly and just sort of shows you how much people were making each week. At the moment mhmm. Yeah. And is that before tax or after tax? Or before tax. Yeah. January 1995, I was making about $500 a week, and I had a very average job. So it says 639. I was like, oh. Yeah. True. Yeah. That's a really good chart, isn't it? Yeah. And I'm more of a visual person too, so I like the visuals as well. And yeah. I was I was I wasn't very good at mathematics or numbers. That was, like, not that was, like, the worst subject. I was more the arty arty person. So, yeah, yeah, I'm definitely not a number person, but I'm trying. Yeah. Okay. Yep. Mhmm. Okay. Yeah. I could probably just Google it. Yeah. Yeah. Yeah. I can just Google it. That's fine. I'll yeah. Should chat to you. Be sure you'll sort that out. Yep. Just one moment. Let's go to get that. Okay. Sorry. Yeah. The super summary. Yep. I'm a click on that. Yeah. I still have 203 now. Every time I look at those down, it was 250 payment one day. Wow. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Yep. Yeah. Mhmm. Yeah. So it's just loading at the moment. It's still loading. Moment. Yeah. Here we go. K. It's still a few more seconds. I'm on the wrong one right there. I think it's just taking ages to oh, that one's was it wasn't the the financial I think I might have actually yep. Oh, okay. Yes. Mhmm. Yep. Yep. Yes. Yes. Okay. Fantastic. Yeah. Okay. Just one moment. I'm just going on my computer. Give me one minute just so I can close. Okay. Have I got any laptop? And I think I've just I've already taken it back once. I got it fixed. Okay. So I came back again. So for the link, I can't I just signed documents. Is that why you won't need to sign yet? Yeah. It should download. Oh, there we go. It was advised, please, consent. Yep. I'm on to that one. Yep. Yep. That's the sign in that. Yep. Mhmm. Yep. Yes. Yes. Yep. Okay. No problem. I just sign all that now. Yep. Yeah. Now that's fine. It's missing here. There's no changes. So okay. Okay. Signing. Yep. That's fine. There we go. Yep. Just loading, taking pages. It doesn't seem to be everything's yeah. It just seems to be a lot slower for some reason today. It's just still loading. It's so cool. Anyways, it's it's on its way eventually. Right. Mhmm. Yes. Mhmm. Yep. Yeah. I'll definitely do that this year. Yep. Yep. Time to do it. Yep. Mhmm. Yep. No. No. I don't drive. So, yeah, I'm just renting. I'm pretty pretty simple. No. I mean, I've got two credit cards, but I don't owe any money on anything. Yeah. Yeah. Yep. Mhmm. Yep. That's correct. Mhmm. No. Nothing on pretty healthy. Yep. Mhmm. What kind of insurance would that be? Like, life insurance and mhmm. So how how much would they be for, like, the disability, the work, personal personal insurance? Yeah. Whatever that is. Yeah. Yeah. Yeah. Mhmm. Mhmm. Mhmm. Mhmm. Okay. Okay. Yeah. Mhmm. I did look at them a couple of times through my my insurance, and they were quite expensive. So I didn't really worry about them, but I just thought I'd ask you anyway. So yeah. Yeah. You're you're getting older and it's high risk. Yeah. That's right. Well, I got one with h c f HCF at the moment where I just pay $13 a month, but I'll give you, I think, like, 5 to $6,000 up front if something happens. So Yeah. Yeah. Yeah. I just just through the private health insurance, that was just an option. I thought it was $13 a month. It's something, isn't it? And if you don't really notice $13 a month, and I thought if something does happen, you know, it's a little bit of money that will pay the rate while you're getting you know? Yeah. So so I've got that. Yeah. Yeah. Like, some of them were ridiculous. Yeah. Like, I think I had a few quotes, and I was like, oh, no. I'll just kinda know what I'll do, but I'm not paying that because, you know, you just don't know. And it's just you gotta pay your rent. It's always like I mean, some of them it was so expensive. I was just like, it's not worth it. It might be something bad happens, but I'll just deal with that. Yeah. Yeah. Yep. Okay. Fantastic. Yeah. Yeah. Yeah. Okay. Beautiful. Thank you, Veronica. I think that's great. Thank you for all the info. Appreciate it. And I'll have another read through. Yeah. Thank you. Mhmm. Yep. Yep. Yep. Yes. Mhmm. I can. Mhmm. No. Because I'm single, and I don't have any children. So how do you work around that? That's a bit ridiculous. Okay. Okay. Yeah. Yeah. Yeah. Yep. Yep. Yep. Oh, okay. I don't I don't have a wheel. So maybe I should get one. Yep. Yeah. Yeah. Yes. Hi, Ty. Yeah. Oh, okay. Yes. Okay. Yeah. That'd be perfect. And you got everything on file. So I think happy to get right. We've we've got the wheel. We've got everything. Okay. Yeah. And it's only about a $100, I think, isn't it, to get the wheel from the post? So it's pretty cheap. Yeah. Yeah. Yeah. I I don't have actually still a printer, but I I can do I can go to the library, so that's fine. So if you just email anything, it's fine. Yeah. That's all good. Yeah. Yep. Yeah. Yeah. You you do everything that needs to be done. Yeah. That'd be great. I appreciate that. Yeah. Yep. Yep. Yep. Yeah. I will. I think I should because I was pretty I don't have anything anyway. I just got my super. So, basically, I'll just say, Jodie can have everything that I've got. Super, health contents. Like, it's very basic. I don't need a lawyer. So, like, I have five houses and 10 children. Yes. Yeah. That's right. It's just gonna be basic and simple. So Mhmm. Yep. Amazing. Thank you so much for that. It's really good. I'm really glad we got to speak because that's something I need to do. So yes. Brilliant. Absolutely. Thanks, Ronnie. Have a great day. Okay. Thanks for everything. Okay. Check out. Bye. 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Michelle. Oh, I'm good, Veronica. Hi. How are you? Yes.\n\nYes. I'm just eating some toast. I'm so busy. I'm just stuck in my face at the moment, but it's okay. Yep.\n\nYeah. I've got my laptop in front of me, so that's so good. Mhmm. Mhmm. Yep.\n\nThat's fine. Mhmm. Sure. It's here on 09/04/1968, and it's Unit 544 Ford Avenue, Cots Point, New South Wales 2011. Great.\n\nMhmm. I didn't have one last year, I don't think. So I don't know. I just I'm not really sure, to be honest. I haven't had time to really look at all of this.\n\nI'm sort of probably relying on you guys to do your stuff, I guess. Yeah. Yeah. Yeah. Yep.\n\nMhmm. Yes. Mhmm. Yes. Mhmm.\n\nYep. Just. That's correct. Yes. Yep.\n\nI think it'll be the same for her. Yeah. I'd actually already changed it. Yeah. I'm doing disability support work.\n\nYeah. I am. Yeah. I am. Yeah.\n\nIt's been quite quite a lot of challenges. A lot of challenges, like, about a year ago, but I'm sort of getting back back on my feet again. So yeah. About five maybe six years, actually. Five and a half years.\n\nYeah. Because I used to work in corporate, and then during COVID, a lot of different things happened, and I just retrained. And, yeah, and with this particular role, you know, you're not really affected by COVID, so you can still work, which is good. Yeah. That's right.\n\nI should have done nursing, but, anyway yeah. Yeah. That's the thing. It is really tough because I had the same girls for three and a half years. I had two girls with schizophrenia, and and, like, a few things happened, and I ended up losing them, which is really sad.\n\nAnd it had nothing to do with me. It was a colleague I was working with, and it was just it was just really awful because I was making really good money. And I was as a single woman, I was finally able to sorta get ahead and maybe buy something and, you know, and then that just went crumbling down, and that really affected me. So that didn't really work much for six months because I was just so sad about how everything happened, and it was really unfair and injustice. There's a lot of people working in this industry that shouldn't be in the industry.\n\nYeah. That was really upsetting. But yeah. But now I'm sort of, yeah, getting back on my feet again. So yeah.\n\nYeah. Yeah. Because I was sort of I was with an agency, and then the support workers were like, you know, you're really good, Melissa. We wanna work directly with you. So they ended up working directly with these other girls.\n\nAnd then there was another girl I helped out, and I did everything for her. I write all the invoicing, the service agreements, all that kind of stuff, and she just basically shouldn't be working there. And that she's the reason why everything kinda fell apart, and she's still there. It's it's not good at all. You know, I was doing all the medical stuff.\n\nI was doing everything, and it was just yeah. It's just really horrible how it worked out. It's just absolutely unbelievable. I can't much left the industry because of it because it's just really, really unfair. So, anyway yeah.\n\nSo now I put myself on Mable. So now I've got about five clients here, Mable. And, also, this one of the support coordinators I was working with, she could she could see exactly what was going on, but there's nothing she could do. But now I'm looking after her auntie. So so yeah.\n\nSo I've still got some good contacts there, and, unfortunately, you know, what it's what it is. And, yeah, but I took, you know, about six months off, and then I had a trip to Italy because I had that planned, and I wasn't gonna go. And I thought, I don't care. I'm not putting any money in my super this year. I'm just gonna go because I just need it.\n\nExactly. You know? And I came back and I was like, okay. Right. And I'm ready to tackle words again.\n\nYeah. Yeah. If I could focus. Yeah. Absolutely.\n\nNot really. Not with everything that's going on at the moment. I think I just wanna sort of I sort of I'm back to working, you know, good hours again. But when I was working with the girls, I was doing four sleepovers at night, and I was doing week week weekend work. So I was making really good money, but now it's just Monday to Friday, and and it's hard.\n\nYou know? Like, my rent's expensive. My rent's, like, 7 nearly 700 a week, and that's just my rent. And so I need to get some more weekend work or do some sleepovers to try and, you know, bump up my pay so so I can actually save something. But, anyway, we'll get there.\n\nYep. Yeah. Yeah. Yep. It sort of it varies.\n\nIt could be because last week, I did 45, but one of my colleagues was in hospital, and they asked me to do some mixed trials on the weekend. But with these two clients, I just get paid normal because it's aged care. So and, you know, they've only got so much funding. It's like, you know, it's better than nothing. I'll I'll come and do, you know, whatever you pay me Monday to Friday.\n\nAnd I really like one of them I certainly adore, so it's used across the road, so it's just easy as well. You don't have to pay for transport or anything like that. And so I'm happy to do that with her. But but, yeah, it could be anything from 35 to 45. And sometimes I pick up some work on the weekends, which I've been trying to do as well.\n\nI've looked after three different people who've who've been interstate in Sydney for the weekend. So so that's really good. So when they eventually you know, I've always got my eye open to see, you know, whatever little things you can do with one offs just to help you bump, you know, bump up my pay so I can survive. Yeah. Yeah.\n\nThat's right. Yeah. Probably, I'm only making about 1,200 a week at the moment. I think last week, I did about 1,400, but I need to be making 2,000 for me to actually have a life and be able to save and pay my rent and pay your bills. Yeah.\n\nSo I'm sort of working on that at the moment. But yeah. Yep. Yeah. That's in my hand after I've paid.\n\nThat's the thing. Like, you think you've made really good money. And then by the time so I've just got over the threshold now, so I'm paying 30% because I didn't work much last year. So you think you're making really well you know, you're not yeah. Everything's okay.\n\nThen you take out your tax. You take it at the Medicare levy, and then you take out your super, and that's almost half your pay gone. Mhmm. I just pay myself. I just usually have a separate bank account.\n\nSo, like, once a week, I'll just go through and I'll put all my tax. I'll put my Medicare levy, and I'll put my super into a separate account, and I don't touch that account. And then I might then I'm actually in interest on that account as well. So I try not to touch that unless I have to. Okay.\n\nSo when I was making good money before, I always had $10,000 in another account, and then I had all that in another account, but I don't have the spare 10,000 anymore. Like, I like, I used to just to sort of play with, you know, for emergencies and stuff. So yeah. Mhmm. But it's just one it's just once a year that I tend to do that.\n\nI tend to do that just before tax. I mean, I should really put it in quarterly or something because at least it'll work for me. But then also, with Super at the moment, it's all over the place. Like, I was 2000 and 02/17000, now I'm down to 204. Like, it's just you know?\n\nAnd part of me doesn't wanna put money in Super at the moment because I just feel like it's so vulnerable. Yeah. Yeah. That's what I know. This is Trump and the tariffs.\n\nI think I put I put, like, not last year, the report I put 27,000 chunk in because that reduced my revenue, so it took me down to the the previous tax rate. And then I lost it all virtually when Trump paid me, but then I got some of it back again. But yeah, so it's just really frustrating. I thought, oh my god. I've worked so hard for that, and then you just lose it.\n\nYeah. Yeah. Yeah. Yeah. That's right.\n\nYeah. Yeah. Yeah. Yep. I don't have to approve that, do I, or anything?\n\nI wasn't sure. So I kinda read it really quickly, but but I yep. Yep. Yeah. Let me just see.\n\nYeah. Where are we? Services guide, financial services guide, month net worth I r r. That one? Yeah.\n\nMonthly as well. Yeah. Yep. Yep. Yes.\n\nMhmm. Yes. Mhmm. Yep. Yep.\n\nYep. Mhmm. Yep. Mhmm. Yep.\n\nYou you you swapped over. Yep. Mhmm. Mhmm. Mhmm.\n\nMhmm. Mhmm. Okay. Mhmm. Mhmm.\n\nOh, okay. Oh, no. Mhmm. Yep. Mhmm.\n\nMhmm. Yep. Yep. Okay. Uh-huh.\n\nI can. Mhmm. Yes. Okay. Yeah.\n\nYeah. I know. It's hard at the moment. Yeah. Yep.\n\nMhmm. Mhmm. Mhmm. Yeah. Yeah.\n\nBecause we're the highest producer of lithium, aren't we, in the world, I think, Australia. We're we're, yeah, we're the highest producer of it. Yeah. Yeah. Yeah.\n\nYes. Yes. Yes. Oh, okay. Yeah.\n\nOkay. So what what what's a really good percentage, like, if if it's a normal year without war and and Donald Trump? It must have been like in the previous couple of previous years. Yeah. Because it's a compare.\n\nSo that would be so that would be 2025. It went up 9.35%. Yep. Mhmm. Okay.\n\nYep. Yep. Yeah. Just so I can just see some comparison because I know it sounds awful, but it'd be interesting to know it was like a few years ago when we didn't have what was going on now. Yeah.\n\nYeah. Yeah. The COVID was about five years ago, so if we go back maybe two and a half. And I know it's still it's been still recovering after COVID too. I guess I am a bit worried about it because I don't think I'll be retiring at 65 or whatever age that is.\n\nI think that's actually possible. And I know you sort of been sorry. Yeah. Well, I think I'll be doing that. So I really don't know.\n\nIt just depends what the next, because I'm 57 now, but I forgot, like, another ten years, I think. But I need to have a lot more in my super and yeah. Because yeah. To see yeah. I just need yeah.\n\nI need to find some. So so I've gotta make about 2,000 a week. I've gotta have it in the hand if I wanna actually, you know, have a life and and save money, which is really hard to do. Like, I don't even know what people make these these days. Yes.\n\nMhmm. Yeah. Okay. I called. Yes.\n\nMhmm. Oh, okay. Yep. Mhmm. It'll make a big difference.\n\nYeah. So did I did I lose a lot of money with the Benelon? Is that the is that the reason why why my why my my my my's gone down? Or is it just gone down because of what's happening in the world or or bit of both? Yeah.\n\nYeah. Okay. So it's balanced out. Correct. Mhmm.\n\nYep. Yep. Mhmm. Yep. Mhmm.\n\nYeah. Mhmm. Okay. Yep. Let me just go back.\n\nVanguard index. Yep. Yeah. It's a good vision. Yep.\n\nYep. Yeah. Yeah. Okay. Okay.\n\nOkay. That's okay. That would have been better if I didn't have been along, but now we've changed that. So yeah. Yep.\n\nYes. Mhmm. Yes. It's going up. It's amazing, from when, like, Rad Rad and Gillard were in.\n\nYou don't realize, like, you know yeah. Look how much it's gone up since Biden's gone. That's a big difference. Yeah. Yeah.\n\nOkay. Cool. Yeah. Mhmm. Mhmm.\n\nYep. Yep. No. Yeah. Yeah.\n\nSo I need so it needs to work as, you know, the best we possibly can, I think? You know? Yeah. Mhmm. Yep.\n\nYes. Mhmm. I don't know. That's a really difficult question to answer because you can't predict the future. You know?\n\nYou know, like, I'd like to be a risk taker. I think you you I guess you sorta wanna risk more if you got another thirty years because, you know, things will come good eventually, and then you could sort of, you know, adjust it. But when I've got ten years, I don't know what the best option is, really. But what am I what am I at the moment? Am I high at the moment?\n\nBecause I think I was the highest at one stage, and then I went down. Yeah. Yep. Mhmm. Yep.\n\nK. Mhmm. Yep. Yep. Okay.\n\nIt says traveling to me. Mhmm. Yeah. Yep. Yep.\n\nYeah. Yep. And any other defensive ones? The Australian banks are the defensive. Yep.\n\nYeah. Mhmm. Yeah. Yep. Mhmm.\n\nYep. Mhmm. Mhmm. Mhmm. Yep.\n\nYeah. I mean, that sounds okay. Or do you think I should go up to the next one because I've got ten years? Yeah. Yeah.\n\nYeah. Yeah. No. That's true. Yeah.\n\nYeah. Okay. Well okay. Yes. Yep.\n\nYep. Mhmm. Mhmm. Excellent. Yep.\n\nYep. Okay. That sounds good. Yeah. Thank you for explaining it.\n\nMhmm. Mhmm. Yep. Mhmm. Yep.\n\nYeah. Okay. Thank you. Mhmm. I just wanted to ask with the Vanguard index chart at the bottom, it's got the average weekly earnings.\n\nIs that is that how much people were making each week back then? Yeah. The bottom of the Vanguard. Just noticed that it's got average weekly and just sort of shows you how much people were making each week. At the moment mhmm.\n\nYeah. And is that before tax or after tax? Or before tax. Yeah. January 1995, I was making about $500 a week, and I had a very average job.\n\nSo it says 639. I was like, oh. Yeah. True. Yeah.\n\nThat's a really good chart, isn't it? Yeah. And I'm more of a visual person too, so I like the visuals as well. And yeah. I was I was I wasn't very good at mathematics or numbers.\n\nThat was, like, not that was, like, the worst subject. I was more the arty arty person. So, yeah, yeah, I'm definitely not a number person, but I'm trying. Yeah. Okay.\n\nYep. Mhmm. Okay. Yeah. I could probably just Google it.\n\nYeah. Yeah. Yeah. I can just Google it. That's fine.\n\nI'll yeah. Should chat to you. Be sure you'll sort that out. Yep. Just one moment.\n\nLet's go to get that. Okay. Sorry. Yeah. The super summary.\n\nYep. I'm a click on that. Yeah. I still have 203 now. Every time I look at those down, it was 250 payment one day.\n\nWow. Mhmm. Yep. Yep. Mhmm.\n\nYep. Yep. Yep. Yeah. Mhmm.\n\nYeah. So it's just loading at the moment. It's still loading. Moment. Yeah.\n\nHere we go. K. It's still a few more seconds. I'm on the wrong one right there. I think it's just taking ages to oh, that one's was it wasn't the the financial I think I might have actually yep.\n\nOh, okay. Yes. Mhmm. Yep. Yep.\n\nYes. Yes. Okay. Fantastic. Yeah.\n\nOkay. Just one moment. I'm just going on my computer. Give me one minute just so I can close. Okay.\n\nHave I got any laptop? And I think I've just I've already taken it back once. I got it fixed. Okay. So I came back again.\n\nSo for the link, I can't I just signed documents. Is that why you won't need to sign yet? Yeah. It should download. Oh, there we go.\n\nIt was advised, please, consent. Yep. I'm on to that one. Yep. Yep.\n\nThat's the sign in that. Yep. Mhmm. Yep. Yes.\n\nYes. Yep. Okay. No problem. I just sign all that now.\n\nYep. Yeah. Now that's fine. It's missing here. There's no changes.\n\nSo okay. Okay. Signing. Yep. That's fine.\n\nThere we go. Yep. Just loading, taking pages. It doesn't seem to be everything's yeah. It just seems to be a lot slower for some reason today.\n\nIt's just still loading. It's so cool. Anyways, it's it's on its way eventually. Right. Mhmm.\n\nYes. Mhmm. Yep. Yeah. I'll definitely do that this year.\n\nYep. Yep. Time to do it. Yep. Mhmm.\n\nYep. No. No. I don't drive. So, yeah, I'm just renting.\n\nI'm pretty pretty simple. No. I mean, I've got two credit cards, but I don't owe any money on anything. Yeah. Yeah.\n\nYep. Mhmm. Yep. That's correct. Mhmm.\n\nNo. Nothing on pretty healthy. Yep. Mhmm. What kind of insurance would that be?\n\nLike, life insurance and mhmm. So how how much would they be for, like, the disability, the work, personal personal insurance? Yeah. Whatever that is. Yeah.\n\nYeah. Yeah. Mhmm. Mhmm. Mhmm.\n\nMhmm. Okay. Okay. Yeah. Mhmm.\n\nI did look at them a couple of times through my my insurance, and they were quite expensive. So I didn't really worry about them, but I just thought I'd ask you anyway. So yeah. Yeah. You're you're getting older and it's high risk.\n\nYeah. That's right. Well, I got one with h c f HCF at the moment where I just pay $13 a month, but I'll give you, I think, like, 5 to $6,000 up front if something happens. So Yeah. Yeah.\n\nYeah. I just just through the private health insurance, that was just an option. I thought it was $13 a month. It's something, isn't it? And if you don't really notice $13 a month, and I thought if something does happen, you know, it's a little bit of money that will pay the rate while you're getting you know?\n\nYeah. So so I've got that. Yeah. Yeah. Like, some of them were ridiculous.\n\nYeah. Like, I think I had a few quotes, and I was like, oh, no. I'll just kinda know what I'll do, but I'm not paying that because, you know, you just don't know. And it's just you gotta pay your rent. It's always like I mean, some of them it was so expensive.\n\nI was just like, it's not worth it. It might be something bad happens, but I'll just deal with that. Yeah. Yeah. Yep.\n\nOkay. Fantastic. Yeah. Yeah. Yeah.\n\nOkay. Beautiful. Thank you, Veronica. I think that's great. Thank you for all the info.\n\nAppreciate it. And I'll have another read through. Yeah. Thank you. Mhmm.\n\nYep. Yep. Yep. Yes. Mhmm.\n\nI can. Mhmm. No. Because I'm single, and I don't have any children. So how do you work around that?\n\nThat's a bit ridiculous. Okay. Okay. Yeah. Yeah.\n\nYeah. Yep. Yep. Yep. Oh, okay.\n\nI don't I don't have a wheel. So maybe I should get one. Yep. Yeah. Yeah.\n\nYes. Hi, Ty. Yeah. Oh, okay. Yes.\n\nOkay. Yeah. That'd be perfect. And you got everything on file. So I think happy to get right.\n\nWe've we've got the wheel. We've got everything. Okay. Yeah. And it's only about a $100, I think, isn't it, to get the wheel from the post?\n\nSo it's pretty cheap. Yeah. Yeah. Yeah. I I don't have actually still a printer, but I I can do I can go to the library, so that's fine.\n\nSo if you just email anything, it's fine. Yeah. That's all good. Yeah. Yep.\n\nYeah. Yeah. You you do everything that needs to be done. Yeah. That'd be great.\n\nI appreciate that. Yeah. Yep. Yep. Yep.\n\nYeah. I will. I think I should because I was pretty I don't have anything anyway. I just got my super. So, basically, I'll just say, Jodie can have everything that I've got.\n\nSuper, health contents. Like, it's very basic. I don't need a lawyer. So, like, I have five houses and 10 children. Yes.\n\nYeah. That's right. It's just gonna be basic and simple. So Mhmm. Yep.\n\nAmazing. Thank you so much for that. It's really good. I'm really glad we got to speak because that's something I need to do. So yes.\n\nBrilliant. Absolutely. Thanks, Ronnie. Have a great day. Okay.\n\nThanks for everything. Okay. Check out. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Michelle.","start":1.5999999,"end":2.34,"sentiment":"neutral","sentiment_score":0.17969520390033722},{"text":"Oh, I'm good, Veronica.","start":7.68,"end":8.72,"sentiment":"positive","sentiment_score":0.45591938495635986},{"text":"Hi.","start":8.72,"end":8.88,"sentiment":"positive","sentiment_score":0.3499118983745575},{"text":"How are you?","start":8.88,"end":9.78,"sentiment":"neutral","sentiment_score":0.26499950389067334},{"text":"Yes.","start":16.974998,"end":17.295,"sentiment":"neutral","sentiment_score":0.12310156971216202}],"sentiment":"neutral","sentiment_score":0.3137345388531685,"num_words":11,"start":1.5999999,"end":17.295},{"sentences":[{"text":"Yes.","start":17.295,"end":17.615,"sentiment":"neutral","sentiment_score":0.091481015086174},{"text":"I'm just eating some toast.","start":17.615,"end":18.735,"sentiment":"neutral","sentiment_score":0.058702456206083296},{"text":"I'm so busy.","start":18.735,"end":19.695,"sentiment":"neutral","sentiment_score":-0.23595695197582245},{"text":"I'm just stuck in my face at the moment, but it's okay.","start":19.695,"end":22.275,"sentiment":"neutral","sentiment_score":-0.1274287335885068},{"text":"Yep.","start":30.49,"end":30.99,"sentiment":"neutral","sentiment_score":0.1326204240322113}],"sentiment":"neutral","sentiment_score":-0.07815463358367031,"num_words":22,"start":17.295,"end":30.99},{"sentences":[{"text":"Yeah.","start":42.035,"end":42.434998,"sentiment":"neutral","sentiment_score":0.2358458042144775},{"text":"I've got my laptop in front of me, so that's so good.","start":42.434998,"end":45.094997,"sentiment":"positive","sentiment_score":0.40314679717024166},{"text":"Mhmm.","start":50.195,"end":50.695,"sentiment":"neutral","sentiment_score":0.06109723448753357},{"text":"Mhmm.","start":59.41,"end":59.91,"sentiment":"neutral","sentiment_score":0.028380943462252617},{"text":"Yep.","start":60.21,"end":60.53,"sentiment":"neutral","sentiment_score":0.07076044380664825}],"sentiment":"neutral","sentiment_score":0.32711537450086325,"num_words":16,"start":42.035,"end":60.53},{"sentences":[{"text":"That's fine.","start":60.53,"end":61.27,"sentiment":"neutral","sentiment_score":0.17007774859666824},{"text":"Mhmm.","start":65.41,"end":65.91,"sentiment":"neutral","sentiment_score":0.0556948184967041},{"text":"Sure.","start":68.415,"end":68.655,"sentiment":"neutral","sentiment_score":0.0320570282638073},{"text":"It's here on 09/04/1968, and it's Unit 544 Ford Avenue, Cots Point, New South Wales 2011.","start":68.655,"end":77.075,"sentiment":"neutral","sentiment_score":0.04220974980853498},{"text":"Great.","start":80.47,"end":80.97,"sentiment":"positive","sentiment_score":0.5532082915306091}],"sentiment":"neutral","sentiment_score":0.07887960154385794,"num_words":21,"start":60.53,"end":80.97},{"sentences":[{"text":"Mhmm.","start":84.229996,"end":84.729996,"sentiment":"neutral","sentiment_score":0.08651931583881378},{"text":"I didn't have one last year, I don't think.","start":94.034996,"end":95.954994,"sentiment":"neutral","sentiment_score":-0.14043937375148138},{"text":"So I don't know.","start":95.954994,"end":98.195,"sentiment":"neutral","sentiment_score":-0.15064007975161076},{"text":"I just I'm not really sure, to be honest.","start":98.195,"end":100.454994,"sentiment":"neutral","sentiment_score":-0.22574687831931645},{"text":"I haven't had time to really look at all of this.","start":100.674995,"end":103.155,"sentiment":"neutral","sentiment_score":-0.2593797282739119}],"sentiment":"neutral","sentiment_score":-0.19602630243581884,"num_words":34,"start":84.229996,"end":103.155},{"sentences":[{"text":"I'm sort of probably relying on you guys to do your stuff, I guess.","start":103.155,"end":106.98,"sentiment":"neutral","sentiment_score":-0.2161313258111477},{"text":"Yeah.","start":109.700005,"end":110.200005,"sentiment":"neutral","sentiment_score":-0.048108767718076706},{"text":"Yeah.","start":115.62,"end":116.12,"sentiment":"neutral","sentiment_score":0.03708851709961891},{"text":"Yeah.","start":116.340004,"end":116.840004,"sentiment":"neutral","sentiment_score":0.056786566972732544},{"text":"Yep.","start":122.755,"end":123.255,"sentiment":"neutral","sentiment_score":0.0564454011619091}],"sentiment":"neutral","sentiment_score":-0.16242371354666021,"num_words":18,"start":103.155,"end":123.255},{"sentences":[{"text":"Mhmm.","start":129.475,"end":129.975,"sentiment":"neutral","sentiment_score":0.10549311339855194},{"text":"Yes.","start":132.995,"end":133.495,"sentiment":"positive","sentiment_score":0.34944650530815125},{"text":"Mhmm.","start":133.92,"end":134.42,"sentiment":"positive","sentiment_score":0.40048620104789734},{"text":"Yes.","start":141.8925,"end":142.3925,"sentiment":"neutral","sentiment_score":0.07120880484580994},{"text":"Mhmm.","start":149.865,"end":150.365,"sentiment":"neutral","sentiment_score":-0.010730701498687267}],"sentiment":"neutral","sentiment_score":0.18318078462034465,"num_words":5,"start":129.475,"end":150.365},{"sentences":[{"text":"Yep.","start":157.38501,"end":157.785,"sentiment":"neutral","sentiment_score":0.06975604593753815},{"text":"Just.","start":157.785,"end":158.285,"sentiment":"neutral","sentiment_score":0.04985575005412102},{"text":"That's correct.","start":167.34001,"end":168.08,"sentiment":"neutral","sentiment_score":0.08943203836679459},{"text":"Yes.","start":176.54001,"end":176.955,"sentiment":"neutral","sentiment_score":0.06203337386250496},{"text":"Yep.","start":177.27501,"end":177.77501,"sentiment":"neutral","sentiment_score":0.06332503259181976}],"sentiment":"neutral","sentiment_score":0.07063904652992885,"num_words":6,"start":157.38501,"end":177.77501},{"sentences":[{"text":"I think it'll be the same for her.","start":184.715,"end":186.475,"sentiment":"neutral","sentiment_score":0.04866481851786375},{"text":"Yeah.","start":186.475,"end":186.975,"sentiment":"neutral","sentiment_score":0.06061193346977234},{"text":"I'd actually already changed it.","start":187.115,"end":188.475,"sentiment":"neutral","sentiment_score":0.10874804854393005},{"text":"Yeah.","start":188.475,"end":188.975,"sentiment":"neutral","sentiment_score":0.11862462759017944},{"text":"I'm doing disability support work.","start":196.5,"end":199.56,"sentiment":"neutral","sentiment_score":0.04800666496157646}],"sentiment":"neutral","sentiment_score":0.06761643383651972,"num_words":20,"start":184.715,"end":199.56},{"sentences":[{"text":"Yeah.","start":200.34,"end":200.84,"sentiment":"neutral","sentiment_score":0.08020386099815369},{"text":"I am.","start":205.485,"end":206.225,"sentiment":"neutral","sentiment_score":0.09135355427861214},{"text":"Yeah.","start":209.88501,"end":210.205,"sentiment":"neutral","sentiment_score":0.1094735860824585},{"text":"I am.","start":210.205,"end":210.685,"sentiment":"neutral","sentiment_score":0.10917891561985016},{"text":"Yeah.","start":210.685,"end":210.925,"sentiment":"neutral","sentiment_score":-0.06512876600027084}],"sentiment":"neutral","sentiment_score":0.07508766012532371,"num_words":7,"start":200.34,"end":210.925},{"sentences":[{"text":"It's been quite quite a lot of challenges.","start":210.925,"end":213.085,"sentiment":"neutral","sentiment_score":-0.1045851930975914},{"text":"A lot of challenges, like, about a year ago, but I'm sort of getting back back on my feet again.","start":213.085,"end":216.845,"sentiment":"neutral","sentiment_score":0.002812981419265271},{"text":"So yeah.","start":216.845,"end":220.08,"sentiment":"neutral","sentiment_score":0.07372257113456726},{"text":"About five maybe six years, actually.","start":221.34,"end":223.42,"sentiment":"neutral","sentiment_score":0.01844646781682968},{"text":"Five and a half years.","start":223.42,"end":224.56,"sentiment":"neutral","sentiment_score":0.020696327835321427}],"sentiment":"neutral","sentiment_score":-0.010215032391431855,"num_words":41,"start":210.925,"end":224.56},{"sentences":[{"text":"Yeah.","start":224.62,"end":224.78,"sentiment":"neutral","sentiment_score":0.03320720046758652},{"text":"Because I used to work in corporate, and then during COVID, a lot of different things happened, and I just retrained.","start":224.78,"end":229.68,"sentiment":"neutral","sentiment_score":0.00057727832435852},{"text":"And, yeah, and with this particular role, you know, you're not really affected by COVID, so you can still work, which is good.","start":230.615,"end":236.47499,"sentiment":"neutral","sentiment_score":0.16339593251114307},{"text":"Yeah.","start":237.735,"end":238.055,"sentiment":"neutral","sentiment_score":0.1795841008424759},{"text":"That's right.","start":238.055,"end":238.955,"sentiment":"neutral","sentiment_score":0.18755992501974106}],"sentiment":"neutral","sentiment_score":0.09079459258161175,"num_words":48,"start":224.62,"end":238.955},{"sentences":[{"text":"I should have done nursing, but, anyway yeah.","start":239.575,"end":243.11499,"sentiment":"neutral","sentiment_score":0.08519054250791669},{"text":"Yeah.","start":254.39,"end":254.70999,"sentiment":"neutral","sentiment_score":-0.027767304331064224},{"text":"That's the thing.","start":254.70999,"end":255.18999,"sentiment":"neutral","sentiment_score":-0.13325035572052002},{"text":"It is really tough because I had the same girls for three and a half years.","start":255.18999,"end":258.405,"sentiment":"negative","sentiment_score":-0.4848951268941164},{"text":"I had two girls with schizophrenia, and and, like, a few things happened, and I ended up losing them, which is really sad.","start":258.485,"end":264.745,"sentiment":"negative","sentiment_score":-0.5211318200049193}],"sentiment":"negative","sentiment_score":-0.3821636847421235,"num_words":51,"start":239.575,"end":264.745},{"sentences":[{"text":"And it had nothing to do with me.","start":265.365,"end":266.965,"sentiment":"negative","sentiment_score":-0.49325741827487946},{"text":"It was a colleague I was working with, and it was just it was just really awful because I was making really good 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industry.","start":285.51,"end":288.65002,"sentiment":"neutral","sentiment_score":-0.12072807475924492}],"sentiment":"negative","sentiment_score":-0.3510667492644252,"num_words":107,"start":265.365,"end":288.65002},{"sentences":[{"text":"Yeah.","start":290.525,"end":290.76498,"sentiment":"neutral","sentiment_score":-0.1441248655319214},{"text":"That was really upsetting.","start":290.76498,"end":291.905,"sentiment":"neutral","sentiment_score":-0.33196814358234406},{"text":"But yeah.","start":292.44498,"end":292.84497,"sentiment":"neutral","sentiment_score":-0.19433242082595825},{"text":"But now I'm sort of, yeah, getting back on my feet again.","start":292.84497,"end":295.405,"sentiment":"neutral","sentiment_score":0.03755539779861768},{"text":"So yeah.","start":295.405,"end":296.465,"sentiment":"neutral","sentiment_score":0.04023650661110878}],"sentiment":"neutral","sentiment_score":-0.06331069022417068,"num_words":21,"start":290.525,"end":296.465},{"sentences":[{"text":"Yeah.","start":301.32498,"end":301.72498,"sentiment":"neutral","sentiment_score":0.02352501824498177},{"text":"Yeah.","start":301.72498,"end":302.04498,"sentiment":"neutral","sentiment_score":0.010098997503519058},{"text":"Because I was sort of I was with an agency, and then the support workers were like, you know, you're really good, Melissa.","start":302.04498,"end":307.09,"sentiment":"neutral","sentiment_score":-0.040822557943022766},{"text":"We wanna work directly with you.","start":307.09,"end":308.21,"sentiment":"neutral","sentiment_score":0.026296986266970634},{"text":"So they ended up working directly with these other girls.","start":308.21,"end":310.37,"sentiment":"neutral","sentiment_score":-0.13396118581295013}],"sentiment":"neutral","sentiment_score":-0.0509054818894805,"num_words":41,"start":301.32498,"end":310.37},{"sentences":[{"text":"And then there was another girl I helped out, and I did everything for her.","start":310.37,"end":313.67,"sentiment":"neutral","sentiment_score":-0.16496551036834717},{"text":"I write all the invoicing, the service agreements, all that kind of stuff, and she just basically shouldn't be working there.","start":313.81,"end":320.325,"sentiment":"neutral","sentiment_score":-0.2878055451881318},{"text":"And that she's the reason why everything kinda fell apart, and she's still there.","start":320.405,"end":324.02502,"sentiment":"negative","sentiment_score":-0.44011549970933367},{"text":"It's it's not good at all.","start":325.92502,"end":327.125,"sentiment":"negative","sentiment_score":-0.6804372866948446},{"text":"You know, I was doing all the medical stuff.","start":327.125,"end":328.64502,"sentiment":"negative","sentiment_score":-0.3772158655855391}],"sentiment":"negative","sentiment_score":-0.340885886320701,"num_words":65,"start":310.37,"end":328.64502},{"sentences":[{"text":"I was doing everything, and it was just yeah.","start":328.64502,"end":330.80502,"sentiment":"negative","sentiment_score":-0.34831051031748456},{"text":"It's just really horrible how it worked out.","start":330.80502,"end":332.725,"sentiment":"negative","sentiment_score":-0.7758622467517853},{"text":"It's just absolutely unbelievable.","start":332.725,"end":334.11002,"sentiment":"negative","sentiment_score":-0.5915017575025558},{"text":"I can't much left the industry because of it because it's just really, really unfair.","start":334.25,"end":337.47,"sentiment":"negative","sentiment_score":-0.3791133811076482},{"text":"So, anyway yeah.","start":338.25,"end":339.29,"sentiment":"neutral","sentiment_score":-0.028180886059999466}],"sentiment":"negative","sentiment_score":-0.4481780249147843,"num_words":39,"start":328.64502,"end":339.29},{"sentences":[{"text":"So now I put myself on Mable.","start":339.29,"end":340.89,"sentiment":"neutral","sentiment_score":0.05034685560635158},{"text":"So now I've got about five clients here, Mable.","start":340.89,"end":343.13,"sentiment":"neutral","sentiment_score":0.08944101714425617},{"text":"And, also, this one of the support coordinators I was working with, she could she could see exactly what was going on, but there's nothing she could do.","start":343.13,"end":349.055,"sentiment":"neutral","sentiment_score":0.003682670116956745},{"text":"But now I'm looking after her auntie.","start":349.055,"end":350.755,"sentiment":"neutral","sentiment_score":0.026776837717209543},{"text":"So so yeah.","start":351.455,"end":352.975,"sentiment":"neutral","sentiment_score":0.3082786550124486}],"sentiment":"neutral","sentiment_score":0.0439404765902846,"num_words":54,"start":339.29,"end":352.975},{"sentences":[{"text":"So I've still got some good contacts there, and, unfortunately, you know, what it's what it is.","start":352.975,"end":357.295,"sentiment":"neutral","sentiment_score":0.061638544806662726},{"text":"And, yeah, but I took, you know, about six months off, and then I had a trip to Italy because I had that planned, and I wasn't gonna go.","start":357.295,"end":363.55,"sentiment":"neutral","sentiment_score":-0.10552680922736382},{"text":"And I thought, I don't care.","start":363.55,"end":364.27,"sentiment":"neutral","sentiment_score":-0.2272548253337542},{"text":"I'm not putting any money in my super this year.","start":364.27,"end":365.78998,"sentiment":"negative","sentiment_score":-0.367131108045578},{"text":"I'm just gonna go because I just need 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again.","start":375.645,"end":377.745,"sentiment":"neutral","sentiment_score":-0.0011575991021735327}],"sentiment":"neutral","sentiment_score":0.00209219129756093,"num_words":20,"start":372.525,"end":377.745},{"sentences":[{"text":"Yeah.","start":380.365,"end":380.865,"sentiment":"neutral","sentiment_score":0.037596989423036575},{"text":"Yeah.","start":385.165,"end":385.665,"sentiment":"neutral","sentiment_score":-0.019864577800035477},{"text":"If I could focus.","start":387.38,"end":388.44,"sentiment":"neutral","sentiment_score":-0.035651243291795254},{"text":"Yeah.","start":388.9,"end":389.22,"sentiment":"neutral","sentiment_score":0.13424883782863617},{"text":"Absolutely.","start":389.22,"end":389.72,"sentiment":"neutral","sentiment_score":0.18724456429481504}],"sentiment":"neutral","sentiment_score":0.02457760507240891,"num_words":8,"start":380.365,"end":389.72},{"sentences":[{"text":"Not really.","start":395.14,"end":395.7,"sentiment":"neutral","sentiment_score":-0.03101005218923092},{"text":"Not with everything that's going on at the moment.","start":395.7,"end":397.62,"sentiment":"neutral","sentiment_score":-0.018503991266091663},{"text":"I think I just wanna sort of I sort of I'm back to working, you know, good hours again.","start":397.62,"end":403.535,"sentiment":"neutral","sentiment_score":0.08120628563981307},{"text":"But when I was working with the girls, I was doing four sleepovers at night, and I was doing week week weekend work.","start":403.915,"end":409.515,"sentiment":"neutral","sentiment_score":-0.0008245437689449476},{"text":"So I was making really good money, but now it's just Monday to Friday, and and it's hard.","start":409.515,"end":413.27502,"sentiment":"neutral","sentiment_score":-0.0980067973335584}],"sentiment":"neutral","sentiment_score":-0.006601738835304555,"num_words":71,"start":395.14,"end":413.27502},{"sentences":[{"text":"You know?","start":413.27502,"end":413.515,"sentiment":"neutral","sentiment_score":-0.20689893513917923},{"text":"Like, my rent's expensive.","start":413.515,"end":414.655,"sentiment":"neutral","sentiment_score":-0.2732560560107231},{"text":"My rent's, like, 7 nearly 700 a week, and that's just my rent.","start":414.875,"end":418.49,"sentiment":"neutral","sentiment_score":-0.21854925270263964},{"text":"And so I need to get some more weekend work or do some sleepovers to try and, you know, bump up my pay so so I can actually save something.","start":418.95,"end":427.83,"sentiment":"neutral","sentiment_score":-0.07959766822556655},{"text":"But, anyway, we'll get there.","start":427.83,"end":429.85,"sentiment":"neutral","sentiment_score":0.17029715776443483}],"sentiment":"neutral","sentiment_score":-0.10897049328519239,"num_words":54,"start":413.27502,"end":429.85},{"sentences":[{"text":"Yep.","start":432.995,"end":433.495,"sentiment":"positive","sentiment_score":0.43814384937286377},{"text":"Yeah.","start":438.19498,"end":438.69498,"sentiment":"neutral","sentiment_score":0.31404799222946167},{"text":"Yeah.","start":440.59497,"end":441.09497,"sentiment":"neutral","sentiment_score":0.08397995680570602},{"text":"Yep.","start":444.835,"end":445.335,"sentiment":"neutral","sentiment_score":0.02940896712243557},{"text":"It sort of it varies.","start":447.72998,"end":448.93,"sentiment":"neutral","sentiment_score":-0.008648111298680306}],"sentiment":"neutral","sentiment_score":0.09137113433745173,"num_words":9,"start":432.995,"end":448.93},{"sentences":[{"text":"It could be because last week, I did 45, but one of my colleagues was in hospital, and they 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it's just easy as well.","start":466.36502,"end":471.64502,"sentiment":"positive","sentiment_score":0.4985402822494507},{"text":"You don't have to pay for transport or anything like that.","start":471.64502,"end":473.965,"sentiment":"neutral","sentiment_score":0.2828171050006693},{"text":"And so I'm happy to do that with her.","start":473.965,"end":477.21,"sentiment":"positive","sentiment_score":0.5592499805821313},{"text":"But but, yeah, it could be anything from 35 to 45.","start":477.21,"end":480.49,"sentiment":"neutral","sentiment_score":0.14240194179795004},{"text":"And sometimes I pick up some work on the weekends, which I've been trying to do as well.","start":480.49,"end":483.61,"sentiment":"neutral","sentiment_score":0.1633307101825873}],"sentiment":"neutral","sentiment_score":0.33265490609575327,"num_words":71,"start":466.36502,"end":483.61},{"sentences":[{"text":"I've looked after three different people who've who've been interstate in Sydney for the 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right.","start":504.40002,"end":505.14,"sentiment":"neutral","sentiment_score":0.13730908930301666},{"text":"Yeah.","start":512.72003,"end":513.22003,"sentiment":"neutral","sentiment_score":0.010273565538227558},{"text":"Probably, I'm only making about 1,200 a week at the moment.","start":516.63495,"end":519.435,"sentiment":"neutral","sentiment_score":-0.039646333422173156},{"text":"I think last week, I did about 1,400, but I need to be making 2,000 for me to actually have a life and be able to save and pay my rent and pay your bills.","start":519.435,"end":529.13495,"sentiment":"neutral","sentiment_score":0.014459182854209628},{"text":"Yeah.","start":530.55005,"end":530.87006,"sentiment":"neutral","sentiment_score":0.05867455154657364}],"sentiment":"neutral","sentiment_score":0.008270560558885335,"num_words":50,"start":504.40002,"end":530.87006},{"sentences":[{"text":"So I'm sort of working on that at the 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I've just got over the threshold now, so I'm paying 30% because I didn't work much last year.","start":541.51,"end":546.615,"sentiment":"neutral","sentiment_score":0.04495367842415968},{"text":"So you think you're making really well you know, you're not yeah.","start":546.83496,"end":548.915,"sentiment":"neutral","sentiment_score":0.06821292433111618},{"text":"Everything's okay.","start":548.915,"end":549.555,"sentiment":"neutral","sentiment_score":0.19741858541965485}],"sentiment":"neutral","sentiment_score":0.11131359647237221,"num_words":49,"start":539.35004,"end":549.555},{"sentences":[{"text":"Then you take out your tax.","start":549.555,"end":550.595,"sentiment":"neutral","sentiment_score":0.018657793601353962},{"text":"You take it at the Medicare levy, and then you take out your super, and that's almost half your pay 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might then I'm actually in interest on that account as well.","start":582.43005,"end":585.39,"sentiment":"neutral","sentiment_score":0.2766506868813719},{"text":"So I try not to touch that unless I have to.","start":585.39,"end":587.65,"sentiment":"neutral","sentiment_score":0.10561672191728246},{"text":"Okay.","start":588.11005,"end":588.59,"sentiment":"neutral","sentiment_score":0.125163733959198}],"sentiment":"neutral","sentiment_score":0.11945577997897493,"num_words":61,"start":573.01495,"end":588.59},{"sentences":[{"text":"So when I was making good money before, I always had $10,000 in another account, and then I had all that in another account, but I don't have the spare 10,000 anymore.","start":588.59,"end":595.89,"sentiment":"neutral","sentiment_score":0.040607380389701575},{"text":"Like, I like, I used to just to sort of play with, you know, for emergencies and stuff.","start":596.445,"end":601.485,"sentiment":"neutral","sentiment_score":0.02499150505496396},{"text":"So 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god.","start":666.29004,"end":666.85004,"sentiment":"negative","sentiment_score":-0.6142278671264648},{"text":"I've worked so hard for that, and then you just lose it.","start":666.85004,"end":669.27,"sentiment":"negative","sentiment_score":-0.49598414450883865}],"sentiment":"neutral","sentiment_score":-0.24793648937499368,"num_words":77,"start":648.23,"end":669.27},{"sentences":[{"text":"Yeah.","start":682.97504,"end":683.375,"sentiment":"neutral","sentiment_score":0.26191040873527527},{"text":"Yeah.","start":683.375,"end":683.875,"sentiment":"neutral","sentiment_score":0.2370726466178894},{"text":"Yeah.","start":685.015,"end":685.515,"sentiment":"neutral","sentiment_score":0.05363289266824722},{"text":"Yeah.","start":686.655,"end":687.155,"sentiment":"neutral","sentiment_score":0.03072240948677063},{"text":"That's 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I need so it needs to work as, you know, the best we possibly can, I think?","start":1486.695,"end":1492.37,"sentiment":"neutral","sentiment_score":0.012902992053164376},{"text":"You know?","start":1492.43,"end":1492.99,"sentiment":"neutral","sentiment_score":-0.009540064260363579},{"text":"Yeah.","start":1492.99,"end":1493.49,"sentiment":"neutral","sentiment_score":-0.01914624124765396},{"text":"Mhmm.","start":1502.27,"end":1502.77,"sentiment":"neutral","sentiment_score":-0.08453474938869476},{"text":"Yep.","start":1503.885,"end":1504.385,"sentiment":"neutral","sentiment_score":-0.0127644594758749}],"sentiment":"neutral","sentiment_score":0.00420557731843513,"num_words":23,"start":1486.695,"end":1504.385},{"sentences":[{"text":"Yes.","start":1509.3251,"end":1509.8251,"sentiment":"neutral","sentiment_score":-0.008980222046375275},{"text":"Mhmm.","start":1521.4,"end":1521.9,"sentiment":"neutral","sentiment_score":0.03096875175833702},{"text":"I don't 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right.","start":2535.68,"end":2536.5598,"sentiment":"neutral","sentiment_score":0.04947424307465553},{"text":"Well, I got one with h c f HCF at the moment where I just pay $13 a month, but I'll give you, I think, like, 5 to $6,000 up front if something happens.","start":2536.5598,"end":2544.9348,"sentiment":"neutral","sentiment_score":0.007247801705756608},{"text":"So Yeah.","start":2545.875,"end":2546.9348,"sentiment":"neutral","sentiment_score":-0.005467783194035292},{"text":"Yeah.","start":2548.115,"end":2548.1948,"sentiment":"neutral","sentiment_score":-0.0136276725679636}],"sentiment":"neutral","sentiment_score":0.00733793789986521,"num_words":40,"start":2535.2,"end":2548.1948},{"sentences":[{"text":"Yeah.","start":2548.1948,"end":2548.6948,"sentiment":"neutral","sentiment_score":-0.007170863449573517},{"text":"I just just through the private health insurance, that was just an 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that.","start":2562.23,"end":2563.6902,"sentiment":"positive","sentiment_score":0.37714223861694335},{"text":"Yeah.","start":2563.99,"end":2564.49,"sentiment":"neutral","sentiment_score":0.06554314494132996},{"text":"Yeah.","start":2567.51,"end":2567.83,"sentiment":"neutral","sentiment_score":-0.14205101132392883},{"text":"Like, some of them were ridiculous.","start":2567.83,"end":2569.29,"sentiment":"neutral","sentiment_score":-0.24214468648036322}],"sentiment":"neutral","sentiment_score":0.03580843657255173,"num_words":14,"start":2561.83,"end":2569.29},{"sentences":[{"text":"Yeah.","start":2569.75,"end":2569.99,"sentiment":"neutral","sentiment_score":-0.07952047884464264},{"text":"Like, I think I had a few quotes, and I was like, oh, no.","start":2569.99,"end":2572.365,"sentiment":"neutral","sentiment_score":-0.07487344768430505},{"text":"I'll just kinda know what I'll do, but I'm not paying that because, you know, you just don't know.","start":2572.365,"end":2575.725,"sentiment":"neutral","sentiment_score":-0.150407483115008},{"text":"And it's just you gotta pay your rent.","start":2575.725,"end":2576.925,"sentiment":"neutral","sentiment_score":-0.1813337840139866},{"text":"It's always like I mean, some of them it was so expensive.","start":2576.925,"end":2579.265,"sentiment":"neutral","sentiment_score":-0.19685077791412672}],"sentiment":"neutral","sentiment_score":-0.14441426912391628,"num_words":54,"start":2569.75,"end":2579.265},{"sentences":[{"text":"I was just like, it's not worth it.","start":2579.725,"end":2581.825,"sentiment":"neutral","sentiment_score":-0.320951821282506},{"text":"It might be something bad happens, but I'll just deal with that.","start":2582.125,"end":2585.345,"sentiment":"neutral","sentiment_score":-0.2280232273042202},{"text":"Yeah.","start":2587.32,"end":2587.82,"sentiment":"neutral","sentiment_score":0.04589545726776123},{"text":"Yeah.","start":2589.0,"end":2589.5,"sentiment":"neutral","sentiment_score":0.000914677046239376},{"text":"Yep.","start":2589.9602,"end":2590.4602,"sentiment":"neutral","sentiment_score":0.006518618203699589}],"sentiment":"neutral","sentiment_score":-0.22828541501708652,"num_words":23,"start":2579.725,"end":2590.4602},{"sentences":[{"text":"Okay.","start":2590.52,"end":2590.9202,"sentiment":"neutral","sentiment_score":0.10304758697748184},{"text":"Fantastic.","start":2590.9202,"end":2591.4202,"sentiment":"neutral","sentiment_score":0.2664978504180908},{"text":"Yeah.","start":2595.8801,"end":2596.3801,"sentiment":"neutral","sentiment_score":-0.023232638835906982},{"text":"Yeah.","start":2597.4001,"end":2597.9001,"sentiment":"neutral","sentiment_score":-0.06975194811820984},{"text":"Yeah.","start":2598.76,"end":2599.26,"sentiment":"neutral","sentiment_score":-0.013023284263908865}],"sentiment":"neutral","sentiment_score":0.052707513235509394,"num_words":5,"start":2590.52,"end":2599.26},{"sentences":[{"text":"Okay.","start":2599.835,"end":2600.1548,"sentiment":"neutral","sentiment_score":0.031690873205661774},{"text":"Beautiful.","start":2600.1548,"end":2600.635,"sentiment":"positive","sentiment_score":0.41998839378356934},{"text":"Thank you, Veronica.","start":2600.635,"end":2601.515,"sentiment":"positive","sentiment_score":0.48652417461077374},{"text":"I think that's great.","start":2601.515,"end":2602.575,"sentiment":"positive","sentiment_score":0.40586795657873154},{"text":"Thank you for all the info.","start":2603.275,"end":2604.815,"sentiment":"neutral","sentiment_score":0.08282311260700226}],"sentiment":"neutral","sentiment_score":0.2687774861852328,"num_words":15,"start":2599.835,"end":2604.815},{"sentences":[{"text":"Appreciate it.","start":2604.875,"end":2605.9148,"sentiment":"neutral","sentiment_score":0.18876096606254578},{"text":"And I'll have another read through.","start":2605.9148,"end":2607.6948,"sentiment":"neutral","sentiment_score":-0.006888440810143948},{"text":"Yeah.","start":2607.9949,"end":2608.315,"sentiment":"neutral","sentiment_score":0.050933122634887695},{"text":"Thank you.","start":2608.315,"end":2608.9749,"sentiment":"neutral","sentiment_score":0.18873461335897446},{"text":"Mhmm.","start":2610.9548,"end":2611.275,"sentiment":"neutral","sentiment_score":-0.005352738779038191}],"sentiment":"neutral","sentiment_score":0.06327007481983553,"num_words":12,"start":2604.875,"end":2611.275},{"sentences":[{"text":"Yep.","start":2611.275,"end":2611.775,"sentiment":"neutral","sentiment_score":0.005200251936912537},{"text":"Yep.","start":2612.4749,"end":2612.9749,"sentiment":"neutral","sentiment_score":-0.005491795018315315},{"text":"Yep.","start":2619.1401,"end":2619.6401,"sentiment":"neutral","sentiment_score":-0.001988103147596121},{"text":"Yes.","start":2623.46,"end":2623.96,"sentiment":"neutral","sentiment_score":0.004369514063000679},{"text":"Mhmm.","start":2634.755,"end":2635.255,"sentiment":"neutral","sentiment_score":-0.08809251338243484}],"sentiment":"neutral","sentiment_score":-0.017200529109686613,"num_words":5,"start":2611.275,"end":2635.255},{"sentences":[{"text":"I can.","start":2637.4749,"end":2638.2148,"sentiment":"neutral","sentiment_score":-0.04253759607672691},{"text":"Mhmm.","start":2642.27,"end":2642.77,"sentiment":"neutral","sentiment_score":-0.016617584973573685},{"text":"No.","start":2666.83,"end":2667.23,"sentiment":"neutral","sentiment_score":-0.2278723120689392},{"text":"Because I'm single, and I don't have any children.","start":2667.23,"end":2669.49,"sentiment":"neutral","sentiment_score":-0.19954794810877907},{"text":"So how do you work around that?","start":2669.55,"end":2671.17,"sentiment":"neutral","sentiment_score":-0.0971196038382394}],"sentiment":"neutral","sentiment_score":-0.1402666924521327,"num_words":20,"start":2637.4749,"end":2671.17},{"sentences":[{"text":"That's a bit ridiculous.","start":2671.31,"end":2672.3699,"sentiment":"neutral","sentiment_score":-0.33095839619636536},{"text":"Okay.","start":2676.3499,"end":2676.8499,"sentiment":"neutral","sentiment_score":0.02860226482152939},{"text":"Okay.","start":2678.83,"end":2679.33,"sentiment":"neutral","sentiment_score":0.13497351109981537},{"text":"Yeah.","start":2683.7852,"end":2684.2852,"sentiment":"neutral","sentiment_score":0.13760946691036224},{"text":"Yeah.","start":2687.705,"end":2688.205,"sentiment":"neutral","sentiment_score":0.0788155347108841}],"sentiment":"neutral","sentiment_score":-0.11797910090535879,"num_words":8,"start":2671.31,"end":2688.205},{"sentences":[{"text":"Yeah.","start":2688.585,"end":2689.085,"sentiment":"neutral","sentiment_score":0.18042254447937012},{"text":"Yep.","start":2694.825,"end":2695.325,"sentiment":"neutral","sentiment_score":0.03116876445710659},{"text":"Yep.","start":2697.54,"end":2698.04,"sentiment":"neutral","sentiment_score":0.020346662029623985},{"text":"Yep.","start":2702.9802,"end":2703.4802,"sentiment":"neutral","sentiment_score":0.042560771107673645},{"text":"Oh, okay.","start":2713.665,"end":2714.305,"sentiment":"neutral","sentiment_score":0.00942890252918005}],"sentiment":"neutral","sentiment_score":0.04889275785535574,"num_words":6,"start":2688.585,"end":2714.305},{"sentences":[{"text":"I don't I don't have a wheel.","start":2714.305,"end":2715.685,"sentiment":"neutral","sentiment_score":-0.07053728880626815},{"text":"So maybe I should get one.","start":2715.825,"end":2717.445,"sentiment":"neutral","sentiment_score":-0.06310610224803288},{"text":"Yep.","start":2725.8298,"end":2726.3298,"sentiment":"neutral","sentiment_score":0.0429004542529583},{"text":"Yeah.","start":2729.51,"end":2730.01,"sentiment":"neutral","sentiment_score":0.12295658886432648},{"text":"Yeah.","start":2736.31,"end":2736.81,"sentiment":"neutral","sentiment_score":0.1771894544363022}],"sentiment":"neutral","sentiment_score":-0.03308444609865546,"num_words":16,"start":2714.305,"end":2736.81},{"sentences":[{"text":"Yes.","start":2747.9749,"end":2748.4749,"sentiment":"neutral","sentiment_score":0.17840974032878876},{"text":"Hi, Ty.","start":2750.855,"end":2751.515,"sentiment":"neutral","sentiment_score":0.20174897462129593},{"text":"Yeah.","start":2756.29,"end":2756.79,"sentiment":"neutral","sentiment_score":0.2705778181552887},{"text":"Oh, okay.","start":2760.53,"end":2761.35,"sentiment":"neutral","sentiment_score":0.2167060822248459},{"text":"Yes.","start":2761.73,"end":2762.23,"sentiment":"neutral","sentiment_score":0.23825682699680328}],"sentiment":"neutral","sentiment_score":0.21773635702473776,"num_words":7,"start":2747.9749,"end":2762.23},{"sentences":[{"text":"Okay.","start":2772.365,"end":2772.765,"sentiment":"neutral","sentiment_score":0.2932235598564148},{"text":"Yeah.","start":2772.765,"end":2772.925,"sentiment":"positive","sentiment_score":0.3730306625366211},{"text":"That'd be perfect.","start":2772.925,"end":2773.4849,"sentiment":"positive","sentiment_score":0.6448675592740377},{"text":"And you got everything on file.","start":2773.4849,"end":2774.525,"sentiment":"positive","sentiment_score":0.5121776262919108},{"text":"So I think happy to get right.","start":2774.525,"end":2775.4849,"sentiment":"positive","sentiment_score":0.5483520137412208}],"sentiment":"positive","sentiment_score":0.5284659307863977,"num_words":18,"start":2772.365,"end":2775.4849},{"sentences":[{"text":"We've we've got the wheel.","start":2775.4849,"end":2776.365,"sentiment":"neutral","sentiment_score":0.1443831965327263},{"text":"We've got everything.","start":2776.365,"end":2777.265,"sentiment":"neutral","sentiment_score":0.2481415867805481},{"text":"Okay.","start":2777.81,"end":2778.31,"sentiment":"neutral","sentiment_score":0.126765176653862},{"text":"Yeah.","start":2778.3699,"end":2778.69,"sentiment":"neutral","sentiment_score":0.08704149723052979},{"text":"And it's only about a $100, I think, isn't it, to get the wheel from the post?","start":2778.69,"end":2782.13,"sentiment":"neutral","sentiment_score":0.05202513604479678}],"sentiment":"neutral","sentiment_score":0.0949842492463412,"num_words":27,"start":2775.4849,"end":2782.13},{"sentences":[{"text":"So it's pretty cheap.","start":2782.13,"end":2783.35,"sentiment":"positive","sentiment_score":0.3588384725153446},{"text":"Yeah.","start":2784.93,"end":2785.43,"sentiment":"neutral","sentiment_score":0.23607371747493744},{"text":"Yeah.","start":2791.89,"end":2792.29,"sentiment":"neutral","sentiment_score":0.06953978538513184},{"text":"Yeah.","start":2792.29,"end":2792.79,"sentiment":"neutral","sentiment_score":0.05153568089008331},{"text":"I I don't have actually still a printer, but I I can do I can go to the library, so that's fine.","start":2799.3052,"end":2803.385,"sentiment":"neutral","sentiment_score":-0.0010105110704898834}],"sentiment":"neutral","sentiment_score":0.06104385621588806,"num_words":29,"start":2782.13,"end":2803.385},{"sentences":[{"text":"So if you just email anything, it's fine.","start":2803.385,"end":2805.625,"sentiment":"neutral","sentiment_score":0.03956900327466428},{"text":"Yeah.","start":2805.625,"end":2806.0251,"sentiment":"neutral","sentiment_score":0.15714700520038605},{"text":"That's all good.","start":2806.0251,"end":2807.0051,"sentiment":"positive","sentiment_score":0.38634055852890015},{"text":"Yeah.","start":2807.705,"end":2808.205,"sentiment":"neutral","sentiment_score":0.09208711981773376},{"text":"Yep.","start":2811.9602,"end":2812.4602,"sentiment":"neutral","sentiment_score":0.09141363203525545}],"sentiment":"neutral","sentiment_score":0.1297301042026707,"num_words":14,"start":2803.385,"end":2812.4602},{"sentences":[{"text":"Yeah.","start":2816.12,"end":2816.62,"sentiment":"neutral","sentiment_score":0.12142212688922882},{"text":"Yeah.","start":2817.8801,"end":2818.12,"sentiment":"neutral","sentiment_score":0.10589390993118286},{"text":"You you do everything that needs to be done.","start":2818.12,"end":2819.8801,"sentiment":"neutral","sentiment_score":0.12264351215627459},{"text":"Yeah.","start":2819.8801,"end":2820.04,"sentiment":"neutral","sentiment_score":0.13385319709777832},{"text":"That'd be great.","start":2820.04,"end":2820.9402,"sentiment":"neutral","sentiment_score":0.32067476212978363}],"sentiment":"neutral","sentiment_score":0.1617990086476008,"num_words":15,"start":2816.12,"end":2820.9402},{"sentences":[{"text":"I appreciate that.","start":2821.08,"end":2822.1401,"sentiment":"positive","sentiment_score":0.5145779450734457},{"text":"Yeah.","start":2823.525,"end":2824.025,"sentiment":"neutral","sentiment_score":0.14376559853553772},{"text":"Yep.","start":2827.285,"end":2827.785,"sentiment":"neutral","sentiment_score":0.10352715104818344},{"text":"Yep.","start":2834.885,"end":2835.385,"sentiment":"neutral","sentiment_score":0.07509350776672363},{"text":"Yep.","start":2836.1301,"end":2836.6301,"sentiment":"neutral","sentiment_score":0.11660673469305038}],"sentiment":"neutral","sentiment_score":0.28324668960911886,"num_words":7,"start":2821.08,"end":2836.6301},{"sentences":[{"text":"Yeah.","start":2845.49,"end":2845.81,"sentiment":"neutral","sentiment_score":0.1064988374710083},{"text":"I will.","start":2845.81,"end":2846.21,"sentiment":"neutral","sentiment_score":0.09299945831298828},{"text":"I think I should because I was pretty I don't have anything anyway.","start":2846.21,"end":2848.61,"sentiment":"neutral","sentiment_score":-0.048922210931777954},{"text":"I just got my super.","start":2848.61,"end":2849.57,"sentiment":"neutral","sentiment_score":0.040207570791244505},{"text":"So, basically, I'll just say, Jodie can have everything that I've got.","start":2849.57,"end":2852.995,"sentiment":"neutral","sentiment_score":0.18916725491484007}],"sentiment":"neutral","sentiment_score":0.06447133105812651,"num_words":33,"start":2845.49,"end":2852.995},{"sentences":[{"text":"Super, health contents.","start":2852.995,"end":2854.375,"sentiment":"neutral","sentiment_score":0.16933048268159231},{"text":"Like, it's very basic.","start":2854.915,"end":2855.955,"sentiment":"neutral","sentiment_score":0.10539227165281773},{"text":"I don't need a lawyer.","start":2855.955,"end":2856.915,"sentiment":"neutral","sentiment_score":-0.010230839997529984},{"text":"So, like, I have five houses and 10 children.","start":2856.915,"end":2859.815,"sentiment":"neutral","sentiment_score":0.041489688472615346},{"text":"Yes.","start":2864.77,"end":2865.27,"sentiment":"neutral","sentiment_score":0.0058756545186042786}],"sentiment":"neutral","sentiment_score":0.05716769024729729,"num_words":22,"start":2852.995,"end":2865.27},{"sentences":[{"text":"Yeah.","start":2866.21,"end":2866.45,"sentiment":"neutral","sentiment_score":0.18971675634384155},{"text":"That's right.","start":2866.45,"end":2867.0898,"sentiment":"positive","sentiment_score":0.3496659845113754},{"text":"It's just gonna be basic and simple.","start":2867.0898,"end":2868.93,"sentiment":"positive","sentiment_score":0.40709766319819857},{"text":"So Mhmm.","start":2868.93,"end":2878.965,"sentiment":"neutral","sentiment_score":0.13573845103383064},{"text":"Yep.","start":2880.705,"end":2881.205,"sentiment":"neutral","sentiment_score":0.14411866664886477}],"sentiment":"neutral","sentiment_score":0.3195636874208084,"num_words":13,"start":2866.21,"end":2881.205},{"sentences":[{"text":"Amazing.","start":2882.785,"end":2883.285,"sentiment":"positive","sentiment_score":0.8011565208435059},{"text":"Thank you so much for that.","start":2883.5051,"end":2884.465,"sentiment":"positive","sentiment_score":0.8824621637662252},{"text":"It's really good.","start":2884.465,"end":2884.945,"sentiment":"positive","sentiment_score":0.870077391465505},{"text":"I'm really glad we got to speak because that's something I need to do.","start":2884.945,"end":2887.745,"sentiment":"positive","sentiment_score":0.5735083813113826},{"text":"So yes.","start":2887.745,"end":2891.045,"sentiment":"neutral","sentiment_score":0.11641984432935715}],"sentiment":"positive","sentiment_score":0.6526199501867478,"num_words":26,"start":2882.785,"end":2891.045},{"sentences":[{"text":"Brilliant.","start":2892.98,"end":2893.48,"sentiment":"positive","sentiment_score":0.4500024020671845},{"text":"Absolutely.","start":2896.74,"end":2897.24,"sentiment":"positive","sentiment_score":0.5104398131370544},{"text":"Thanks, Ronnie.","start":2897.46,"end":2898.18,"sentiment":"positive","sentiment_score":0.5552056729793549},{"text":"Have a great day.","start":2898.18,"end":2899.14,"sentiment":"positive","sentiment_score":0.5703059807419777},{"text":"Okay.","start":2899.14,"end":2899.54,"sentiment":"neutral","sentiment_score":0.32573390007019043}],"sentiment":"positive","sentiment_score":0.5197568204667833,"num_words":9,"start":2892.98,"end":2899.54},{"sentences":[{"text":"Thanks for everything.","start":2899.54,"end":2900.5,"sentiment":"positive","sentiment_score":0.7123336990674337},{"text":"Okay.","start":2900.5,"end":2901.0,"sentiment":"neutral","sentiment_score":0.26629775762557983},{"text":"Check out.","start":2901.06,"end":2901.8,"sentiment":"neutral","sentiment_score":0.1740855649113655},{"text":"Bye.","start":2902.3398,"end":2902.82,"sentiment":"neutral","sentiment_score":0.11279445886611938},{"text":"Bye.","start":2902.82,"end":2903.32,"sentiment":"neutral","sentiment_score":-0.10916434973478316}],"sentiment":"positive","sentiment_score":0.3443875117227435,"num_words":8,"start":2899.54,"end":2903.32}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi, Michelle.\n\nChannel 0: Good morning, Melissa. This is Veronica from Achieve Financial. How are you?\n\nChannel 1: Oh, I'm good, Veronica. Hi. How are you?\n\nChannel 0: Yeah. Good. I had you booked in this morning to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yes. Yes. I'm just\n\nChannel 0: Yes.\n\nChannel 1: eating some toast. I'm so busy. I'm just stuck in my face at the moment, but it's okay.\n\nChannel 0: That is okay. Now what I will do is I will send you an email with some documents.\n\nChannel 1: Yep.\n\nChannel 0: If you don't have the option of accessing them right now, if you're obviously a bit busy, that's okay. I can always run through them with you if you don't have any questions\n\nChannel 1: Yeah. I've got my laptop\n\nChannel 0: when you\n\nChannel 1: in\n\nChannel 0: have.\n\nChannel 1: front of me, so that's so good.\n\nChannel 0: Perfect. So what I'll do is I will send this to you now.\n\nChannel 1: Mhmm.\n\nChannel 0: And just just before I do go any further as well, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: okay.\n\nChannel 1: That's fine.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, could you just\n\nChannel 1: Mhmm.\n\nChannel 0: confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Sure. It's here on 09/04/1968, and it's Unit 544 Ford Avenue, Cots Point, New South Wales 2011.\n\nChannel 0: Yep. Perfect. That's exactly what I have here.\n\nChannel 1: Great.\n\nChannel 0: Now just before I do jump into the annual review, I'd like\n\nChannel 1: Mhmm.\n\nChannel 0: to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on.\n\nChannel 1: I didn't have one last year, I don't think. So I don't know. I just I'm not really sure, to be honest. I haven't had time to really look at all of this. I'm sort of probably relying on you guys to do your stuff, I guess.\n\nChannel 0: No. Yes. And that is perfectly fine. The reason\n\nChannel 1: Yeah.\n\nChannel 0: I do ask is sometimes there are specific questions that you may have thought of that you wanna do, and then I can focus a bit more on it.\n\nChannel 1: Yeah.\n\nChannel 0: But most\n\nChannel 1: Yeah.\n\nChannel 0: people are quite similar to you. They're just like, oh, maybe as we go through things, there might be questions. Or\n\nChannel 1: Yep.\n\nChannel 0: for most people, it's just to have a bit of an update, especially if it has been a little bit since we did a bit of an under review. It's just to kinda\n\nChannel 1: Mhmm.\n\nChannel 0: give a bit of an overview of, you know, what's happened,\n\nChannel 1: Yes.\n\nChannel 0: which is perfectly\n\nChannel 1: Mhmm.\n\nChannel 0: fine. Now just before I jump into the documents and run through that review, I do like to just run through just\n\nChannel 1: Yes.\n\nChannel 0: a bit of an updated fact find with you first just to make sure if there's anything that has changed in your life that might need us to potentially\n\nChannel 1: Mhmm.\n\nChannel 0: change or also be advised at all. So just bear with me as I go through this information.\n\nChannel 1: Yep. Just.\n\nChannel 0: Now I do have you down here the personal information. I have you down here as single with no financial dependent. Is that correct?\n\nChannel 1: That's correct.\n\nChannel 0: Yep. Perfect. Now next up, can I have your sister Jody nominated? Is that still the\n\nChannel 1: Yes.\n\nChannel 0: case?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And I have phone number ending in 639. Do you know if it's changed or would be the\n\nChannel 1: I\n\nChannel 0: same?\n\nChannel 1: think it'll be the same for her. Yeah. I'd\n\nChannel 0: Yep.\n\nChannel 1: actually already\n\nChannel 0: Perfect.\n\nChannel 1: changed it. Yeah.\n\nChannel 0: Perfect. Now occupation wise, I have you down here as a social worker. Is that still the case?\n\nChannel 1: I'm doing disability support work.\n\nChannel 0: Perfect. Affiliate.\n\nChannel 1: Yeah.\n\nChannel 0: And are you still working for yourself, or is\n\nChannel 1: I\n\nChannel 0: it\n\nChannel 1: am.\n\nChannel 0: yeah. Yeah. And are you enjoying it?\n\nChannel 1: Yeah. I am. Yeah. It's been quite quite a lot of challenges. A lot of challenges, like, about a year ago, but\n\nChannel 0: Yeah.\n\nChannel 1: I'm sort of getting back back on my feet again. So\n\nChannel 0: Yeah. Perfect. And have you been doing\n\nChannel 1: yeah.\n\nChannel 0: it for long?\n\nChannel 1: About five maybe six years, actually. Five and a half years. Yeah. Because I\n\nChannel 0: Oh,\n\nChannel 1: used\n\nChannel 0: yeah.\n\nChannel 1: to work in corporate, and then during COVID, a lot of different things happened, and I just retrained.\n\nChannel 0: Yep.\n\nChannel 1: And, yeah, and with this particular role, you know, you're not really affected by COVID, so you can still work, which is\n\nChannel 0: Yes.\n\nChannel 1: good.\n\nChannel 0: Still essential.\n\nChannel 1: Yeah. That's right. I should have done nursing, but, anyway yeah.\n\nChannel 0: And the at least being self employed would have, obviously, benefits and I'm sure we struggle times as well, but at least you can kind of choose a little bit yourself at times with hours and stuff.\n\nChannel 1: Yeah. That's the thing. It is really tough because I had the same girls for three and a half years. I had two girls with schizophrenia, and and, like, a few things happened, and I ended up losing them, which is really sad. And it had nothing to do with me.\n\nIt was a colleague I was working with, and it was just it was just really awful because I was making really good money. And I was as a single woman, I was finally able to sorta get ahead and maybe buy\n\nChannel 0: Yeah.\n\nChannel 1: something and, you know, and then that just went crumbling down, and that really\n\nChannel 0: Yeah.\n\nChannel 1: affected me. So that didn't really work much for six months because I was just so sad about how everything happened, and it was really\n\nChannel 0: Yeah.\n\nChannel 1: unfair and injustice.\n\nChannel 0: Yeah.\n\nChannel 1: There's a lot of people\n\nChannel 0: Yeah.\n\nChannel 1: working in this\n\nChannel 0: Yeah.\n\nChannel 1: industry that shouldn't be in the industry. Yeah. That was really upsetting. But yeah. But now I'm sort of, yeah, getting back on my feet again.\n\nSo\n\nChannel 0: And\n\nChannel 1: yeah.\n\nChannel 0: do you have a a couple of clients that you work with now?\n\nChannel 1: Yeah. Yeah. Because I was sort of I was with an agency, and then the support workers were like, you know, you're really good, Melissa. We wanna work directly with you.\n\nChannel 0: Yeah.\n\nChannel 1: So they ended up working directly with these other girls. And then there was another girl I helped out, and I did everything for her. I write all the invoicing, the service agreements, all that kind of stuff, and she just basically shouldn't be working there. And that she's the reason why everything kinda fell apart,\n\nChannel 0: Oh,\n\nChannel 1: and she's still there.\n\nChannel 0: that's not good.\n\nChannel 1: It's\n\nChannel 0: Yeah.\n\nChannel 1: it's not good at all. You know, I was doing all the medical stuff. I was doing everything, and it was just yeah. It's just really horrible how it worked out. It's just absolutely unbelievable.\n\nI can't much left the industry because of it because it's just really,\n\nChannel 0: No.\n\nChannel 1: really\n\nChannel 0: Oh,\n\nChannel 1: unfair.\n\nChannel 0: wow. Yeah.\n\nChannel 1: So, anyway yeah. So now I put myself on Mable. So now I've got about five clients here, Mable. And, also, this one of the support coordinators I was working with, she could she could see exactly what was going on, but there's nothing she could do. But now I'm looking after\n\nChannel 0: Yeah.\n\nChannel 1: her auntie.\n\nChannel 0: Oh,\n\nChannel 1: So\n\nChannel 0: that's great.\n\nChannel 1: so yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So I've still got some good contacts there, and, unfortunately, you know, what it's what it is. And, yeah, but I took, you know, about six months off, and then I had a trip to Italy because I had that planned, and I wasn't gonna go. And I thought, I don't care. I'm not putting any money in my super this year. I'm just gonna go\n\nChannel 0: Yep.\n\nChannel 1: because I\n\nChannel 0: Yeah.\n\nChannel 1: just need it.\n\nChannel 0: You gotta you gotta you gotta prioritize, you know, different things that time. That's that's\n\nChannel 1: Exactly.\n\nChannel 0: fine.\n\nChannel 1: You know? And I came back and I was like, okay. Right. And I'm ready to tackle words again.\n\nChannel 0: Yeah. Oh, that's good. And sometimes you do\n\nChannel 1: Yeah.\n\nChannel 0: need a bit of a break, especially if it's been a lot and, you know, there are changes. You do need a bit of a break\n\nChannel 1: Yeah.\n\nChannel 0: before you can kinda get back into it and\n\nChannel 1: If\n\nChannel 0: reset\n\nChannel 1: I could focus.\n\nChannel 0: again.\n\nChannel 1: Yeah. Absolutely.\n\nChannel 0: Yeah. Oh, that's good. And do you have any other holidays kind of planned or not\n\nChannel 1: Not\n\nChannel 0: really\n\nChannel 1: really.\n\nChannel 0: at\n\nChannel 1: Not\n\nChannel 0: the\n\nChannel 1: with\n\nChannel 0: moment?\n\nChannel 1: everything that's going on at the moment. I think I just wanna sort of I sort of I'm back to working, you know, good hours again. But\n\nChannel 0: Yeah.\n\nChannel 1: when I was working with the girls, I was doing four sleepovers at night, and I was\n\nChannel 0: Oh,\n\nChannel 1: doing\n\nChannel 0: wow.\n\nChannel 1: week week weekend work. So I was making really good money, but now it's just Monday\n\nChannel 0: Yeah.\n\nChannel 1: to Friday, and and it's hard. You know? Like, my rent's\n\nChannel 0: Yeah.\n\nChannel 1: expensive. My rent's, like, 7 nearly 700 a week, and that's\n\nChannel 0: Yeah.\n\nChannel 1: just my rent.\n\nChannel 0: Yeah.\n\nChannel 1: And so I need to get some more weekend work or do some sleepovers to try and, you know, bump up my pay\n\nChannel 0: Right.\n\nChannel 1: so\n\nChannel 0: Yeah.\n\nChannel 1: so I can actually save something. But, anyway,\n\nChannel 0: Yeah.\n\nChannel 1: we'll get there.\n\nChannel 0: At least at least you're working through it and now you have some good clients, and, hopefully,\n\nChannel 1: Yep.\n\nChannel 0: you'll be able to some, you know, some, you know, evening and\n\nChannel 1: Yeah.\n\nChannel 0: overnight days as well for you.\n\nChannel 1: Yeah.\n\nChannel 0: And how many hours would you say? Obviously, you said Monday to Friday. Is it,\n\nChannel 1: Yep.\n\nChannel 0: like, around the thirty eight hours? Or\n\nChannel 1: It sort of it varies. It could be because last week, I did 45, but\n\nChannel 0: mhmm.\n\nChannel 1: one of my colleagues was in hospital, and they asked me to do some mixed trials on the weekend. But with these\n\nChannel 0: Yep.\n\nChannel 1: two clients, I just get paid normal because it's aged care. So\n\nChannel 0: Yep.\n\nChannel 1: and, you know, they've only got so much funding. It's like, you know, it's better than nothing. I'll\n\nChannel 0: Yes.\n\nChannel 1: I'll come and do, you know, whatever you pay me Monday to Friday. And I really like\n\nChannel 0: Mhmm.\n\nChannel 1: one of them I certainly adore, so it's used across\n\nChannel 0: Yeah.\n\nChannel 1: the road, so it's just easy as well.\n\nChannel 0: Yep.\n\nChannel 1: You don't have to pay for transport or anything like that. And so I'm happy to do that with\n\nChannel 0: Yeah.\n\nChannel 1: her. But but, yeah, it could be anything from 35 to 45. And sometimes I pick up some work on the weekends, which I've been trying to do as well. I've looked after three different people who've who've been interstate in Sydney for the weekend.\n\nChannel 0: Yeah.\n\nChannel 1: So so that's really good. So when they eventually you know, I've always got my eye open to see, you know,\n\nChannel 0: Yeah.\n\nChannel 1: whatever little things you can do with one offs just to help you bump, you know, bump up\n\nChannel 0: Yeah.\n\nChannel 1: my pay\n\nChannel 0: Definitely.\n\nChannel 1: so I can survive.\n\nChannel 0: Yeah. Oh, that's good. Well, listings\n\nChannel 1: Yeah.\n\nChannel 0: are, you know, kind of back on track for you now. And\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: That's right.\n\nChannel 0: do you know roughly what your income would be? Obviously, I know that it can fluctuate with doing after hours and e like,\n\nChannel 1: Yeah.\n\nChannel 0: overnight stays, but do you know roughly what you would be on?\n\nChannel 1: Probably, I'm only making about 1,200 a week at the moment. I think last week, I did about 1,400, but I need to be making 2,000 for me to actually have a life\n\nChannel 0: Mhmm.\n\nChannel 1: and\n\nChannel 0: Mhmm.\n\nChannel 1: be able to save and pay my rent and pay your bills.\n\nChannel 0: Everything. Yes.\n\nChannel 1: Yeah. So I'm sort of working on that at the moment. But\n\nChannel 0: Yep. And is that 1,200\n\nChannel 1: yeah.\n\nChannel 0: after tax or\n\nChannel 1: Yep.\n\nChannel 0: before tax?\n\nChannel 1: Yeah. That's in my hand after I've paid. That's\n\nChannel 0: Oh, yeah.\n\nChannel 1: the thing. Like, you think you've made really good money. And then by the time so I've just got over the threshold now, so I'm paying 30% because I didn't work much last year. So you think you're making really well you know, you're not yeah. Everything's okay.\n\nChannel 0: Yeah.\n\nChannel 1: Then you take out\n\nChannel 0: Yeah.\n\nChannel 1: your tax. You take it at the Medicare levy, and then you take out your super, and that's almost half your pay gone.\n\nChannel 0: Yes. Literally. Definitely does that. And with your arrangement at the moment,\n\nChannel 1: Mhmm.\n\nChannel 0: do you pay yourself superannuation, or is that kind of part of the contract? Or how\n\nChannel 1: I\n\nChannel 0: does\n\nChannel 1: just\n\nChannel 0: that\n\nChannel 1: pay\n\nChannel 0: work?\n\nChannel 1: myself. I just usually have a separate bank account. So, like, once a week, I'll just go through and I'll put all my tax. I'll put my Medicare levy, and I'll put my super into a separate account, and I don't touch that account. And\n\nChannel 0: Yeah.\n\nChannel 1: then I might\n\nChannel 0: Perfect.\n\nChannel 1: then I'm actually in interest on that account as well. So I try not to touch that unless I have to.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Yep.\n\nChannel 1: So when I was making good money before, I always had $10,000 in another account, and then I had all that in another account, but I don't have the spare 10,000 anymore. Like, I\n\nChannel 0: Yes.\n\nChannel 1: like, I used to just to sort of play with, you\n\nChannel 0: Yes.\n\nChannel 1: know, for emergencies and stuff. So yeah.\n\nChannel 0: Just stay out of it all. And with the the contributions as well, do you\n\nChannel 1: Mhmm.\n\nChannel 0: make them straight into your net worth account as well, or do you have them, like, sitting for\n\nChannel 1: But it's\n\nChannel 0: a\n\nChannel 1: just one it's just once a year that I tend to do that. I tend to do that just before tax. I mean, I should really put it in\n\nChannel 0: while?\n\nChannel 1: quarterly or something because at least it'll work for me. But then also,\n\nChannel 0: Yes.\n\nChannel 1: with\n\nChannel 0: Yeah.\n\nChannel 1: Super at the moment, it's all over the place. Like, I was 2000 and 02/17000, now I'm down to 204. Like, it's just you know? And part of me doesn't wanna put money in Super at the moment because I just feel like it's so vulnerable.\n\nChannel 0: That yeah. And it has been the last twelve months, there's been a lot of fluctuations in the world and, obviously, everything going over in The US, and then, obviously, the Trump and the tariffs, there\n\nChannel 1: Yeah.\n\nChannel 0: was a lot\n\nChannel 1: Yeah.\n\nChannel 0: of fluctuations.\n\nChannel 1: That's what I know. This is Trump and the tariffs.\n\nChannel 0: Yeah.\n\nChannel 1: I think I put I put, like, not last year, the report I put 27,000 chunk in because that reduced my revenue, so it took me down to the the previous\n\nChannel 0: Yep.\n\nChannel 1: tax rate. And then I lost it all virtually\n\nChannel 0: Yeah.\n\nChannel 1: when Trump paid me, but then I got some of it back again. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah, so it's\n\nChannel 0: Yes.\n\nChannel 1: just really frustrating. I thought, oh my god. I've worked so hard for that, and then you just lose it.\n\nChannel 0: Yeah. It is it is, especially when there are a lot of fluctuations. And, you know, sometimes as well, it's like, well, you can look at it. Well, while the prices are down, it might be a good buying opportunity as well because you\n\nChannel 1: Yeah.\n\nChannel 0: can\n\nChannel 1: Yeah.\n\nChannel 0: for it. So it\n\nChannel 1: Yeah.\n\nChannel 0: is that kind of like, it's sometimes hard\n\nChannel 1: Yeah.\n\nChannel 0: because you are down. So you might not want to, but then sometimes it can be good as well if it's good investment.\n\nChannel 1: That's right. Yeah.\n\nChannel 0: Sorry. Very much sorry. And with your investments, actually, while we are talking about it, did you see the email about the investments which that we made for you?\n\nChannel 1: Yeah.\n\nChannel 0: I think it was\n\nChannel 1: Yeah.\n\nChannel 0: yeah. Perfect. So,\n\nChannel 1: Yep. I\n\nChannel 0: actually,\n\nChannel 1: don't have\n\nChannel 0: while\n\nChannel 1: to\n\nChannel 0: we\n\nChannel 1: approve that, do I, or anything? I wasn't sure. So I kinda read it really quickly, but but\n\nChannel 0: yeah.\n\nChannel 1: I\n\nChannel 0: No. No need to sign it. So while we are talking\n\nChannel 1: yep.\n\nChannel 0: about it, actually, I might get you to access your emails if you can.\n\nChannel 1: Yep.\n\nChannel 0: And then before you click on the link so when you click on the link, it will get you to sign the documents. But before I get I'll ask you to do that is if you can actually see the attachment. Now you should see one where it says asset performance.\n\nChannel 1: Yeah.\n\nChannel 0: Can you\n\nChannel 1: Let me just\n\nChannel 0: that one\n\nChannel 1: see.\n\nChannel 0: okay?\n\nChannel 1: Yeah. Where are we? Services guide, financial services guide, month net worth\n\nChannel 0: That\n\nChannel 1: I r\n\nChannel 0: yes.\n\nChannel 1: r. That one?\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Monthly\n\nChannel 0: That one.\n\nChannel 1: as well. Yeah.\n\nChannel 0: Yep. Sorry. That one here will show you your portfolio. Like you said, as well, there has been a lot of fluctuations in the last\n\nChannel 1: Yep.\n\nChannel 0: twelve months, which\n\nChannel 1: Yep.\n\nChannel 0: is reflected on it. So I'm just waiting for this one to come up here. And this one here, it shows you the portfolio over the last twelve months\n\nChannel 1: Yes.\n\nChannel 0: after all fees. So\n\nChannel 1: Mhmm.\n\nChannel 0: as as you have a look at it, it can look a bit messy, but it breaks down all your all your investments and how they have performed.\n\nChannel 1: Yes.\n\nChannel 0: And when you have a look at it, so you can see the opening value, the close value, and then you can see the return. So the return percentage column, which is the second\n\nChannel 1: Mhmm.\n\nChannel 0: one to the right. Can you see\n\nChannel 1: Yep.\n\nChannel 0: that one?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah. But you can see that the market has been quite fluctuating. So you can see, for example, your gold investment that was up\n\nChannel 1: Mhmm.\n\nChannel 0: 49.95%, which is crazy.\n\nChannel 1: Yep.\n\nChannel 0: You can then see that Benelong investment that was down 18. This\n\nChannel 1: Mhmm.\n\nChannel 0: is the\n\nChannel 1: Yep.\n\nChannel 0: one we swapped\n\nChannel 1: You\n\nChannel 0: out\n\nChannel 1: you you\n\nChannel 0: for you.\n\nChannel 1: swapped over. Yep.\n\nChannel 0: Exactly. So this one has been swapped. It was originally added to your portfolio because it was doing really well. The purpose behind it was to have your active component. So that\n\nChannel 1: Mhmm.\n\nChannel 0: is\n\nChannel 1: Mhmm.\n\nChannel 0: a active manager, and they were kind of trying to actively buy and sell different investment in order to try to outperform the market. And they had been quite success successful, which is why it was added to your portfolio. They were\n\nChannel 1: Mhmm.\n\nChannel 0: one of\n\nChannel 1: Mhmm.\n\nChannel 0: the best performing\n\nChannel 1: Mhmm.\n\nChannel 0: fund managers at the time. More recently, they have underperformed. But\n\nChannel 1: Okay.\n\nChannel 0: we've done a lot of invest a lot of research into the investment.\n\nChannel 1: Mhmm.\n\nChannel 0: Some of it was the fund manager itself. They've kind of made some convictions to different investments that just haven't played out. But also\n\nChannel 1: Mhmm.\n\nChannel 0: one of the investments that they had in their portfolio was the corporate travel group. I'm not sure if you heard about it, but there was a bit of issues with their reporting, which actually meant that they were suspended from trading. So because\n\nChannel 1: Oh,\n\nChannel 0: of\n\nChannel 1: okay.\n\nChannel 0: that, yeah, sorry. It wasn't them per se, but one of their holdings that did it. That caused everything to kind of fall down as well. So, obviously,\n\nChannel 1: Oh, no.\n\nChannel 0: having yeah. So having a bit of, you know, more, like, in-depth research into the Benelon, sometimes when things are down, if it is more like you're cyclical, sorry, what's going\n\nChannel 1: Mhmm.\n\nChannel 0: on in the market. So\n\nChannel 1: Yep.\n\nChannel 0: the cybersecurity, for example, is one of them where it's a bit more what is going on in the market right now. There's not really\n\nChannel 1: Mhmm.\n\nChannel 0: structural changes.\n\nChannel 1: Mhmm.\n\nChannel 0: Then along, we feel wasn't going to improve very much or\n\nChannel 1: Yep.\n\nChannel 0: not enough to warrant staying in it. So that's why we wanted to change it. Now with your portfolio, we obviously wanna keep the the structure and everything like that. So we swapped\n\nChannel 1: Yep.\n\nChannel 0: that one for another Australian equity. So swapping one for another one, still\n\nChannel 1: Okay.\n\nChannel 0: focusing on investing in the Australian equity component. So we just swapped it for the a 200, and that one essentially tracks the 200 largest companies listed on the ASX in Australia.\n\nChannel 1: Uh-huh. I can.\n\nChannel 0: Yeah. So by doing the switch as well, it has actually reduced the investment fees a little bit. It is a little bit of a cheaper investment, which\n\nChannel 1: Mhmm.\n\nChannel 0: is good, And then it has also performed a lot better historically than Zenelog. So\n\nChannel 1: Yes.\n\nChannel 0: that was the change that we made. So we do think that, obviously, that's going to make more of a difference to your portfolio for the next twelve months,\n\nChannel 1: Okay.\n\nChannel 0: which which is good. And then also as you kind of see that the most of the other investments are doing reasonable considering what is going on in the market.\n\nChannel 1: Yeah.\n\nChannel 0: You can\n\nChannel 1: Yeah.\n\nChannel 0: even\n\nChannel 1: I know.\n\nChannel 0: see,\n\nChannel 1: It's\n\nChannel 0: you\n\nChannel 1: hard\n\nChannel 0: know\n\nChannel 1: at the moment. Yeah.\n\nChannel 0: yeah. So you can even see your beta shares one. That one's up 24%.\n\nChannel 1: Yep.\n\nChannel 0: You can also see, like, the bank hybrid. That's one more of your defensive investments. So that kind\n\nChannel 1: Mhmm.\n\nChannel 0: of been added through limit fluctuations a little bit, which means that it won't tend to grow as much because it's one of those defensive. That\n\nChannel 1: Mhmm.\n\nChannel 0: five, the one under it, again, is your another defensive investment. And then you have the international equity. So like I said, the cybersecurity, I'm seeing a bit of fluctuations in the market. There are a lot of\n\nChannel 1: Mhmm.\n\nChannel 0: opportunities in this space, obviously, with AI and technology and everything.\n\nChannel 1: Yeah.\n\nChannel 0: So there are opportunities. And then you can even see the Better Tech and Lithium that's gone up 67%, which is crazy.\n\nChannel 1: Yeah. Because we're the highest producer of lithium, aren't we, in the world, I think, Australia. We're\n\nChannel 0: Yeah.\n\nChannel 1: we're,\n\nChannel 0: One\n\nChannel 1: yeah, we're\n\nChannel 0: one\n\nChannel 1: the\n\nChannel 0: of\n\nChannel 1: highest\n\nChannel 0: them.\n\nChannel 1: producer of it. Yeah.\n\nChannel 0: Yeah. So that one has kind of gone crazy the last twelve months.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: overall, the portfolio has done okay considering what is going on.\n\nChannel 1: Yes.\n\nChannel 0: If we if you scroll on the next page, you will actually see the total portfolio. So in the same report\n\nChannel 1: Yes.\n\nChannel 0: where it says total portfolio net of fees. Now this still tells us that even though including Benelon, which we have changed for you,\n\nChannel 1: Yes.\n\nChannel 0: the last twelve months, your portfolio after fees have still gone up by 9.35%, and that is\n\nChannel 1: Oh,\n\nChannel 0: despite\n\nChannel 1: okay.\n\nChannel 0: everything going on. So it still has done pretty good when we're\n\nChannel 1: Yeah.\n\nChannel 0: looking at what your twelve month period.\n\nChannel 1: Okay. So what what what's a really good percentage, like, if if it's a normal year without war and and Donald Trump?\n\nChannel 0: Yeah. It it is kind of when we let me have a look through because when we are looking at your growth portfolio, which\n\nChannel 1: It must\n\nChannel 0: we are\n\nChannel 1: have been like in the previous couple of previous years. Yeah. Because it's\n\nChannel 0: yeah.\n\nChannel 1: a compare.\n\nChannel 0: Let me let me get that up for you. And I have let me just get the the research\n\nChannel 1: So that would\n\nChannel 0: report\n\nChannel 1: be so\n\nChannel 0: for\n\nChannel 1: that would\n\nChannel 0: you.\n\nChannel 1: be 2025. It went up 9.35%.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: between the 03/17/2025 until the March 16\n\nChannel 1: Mhmm.\n\nChannel 0: 2020\n\nChannel 1: Okay.\n\nChannel 0: six. Yeah. So just that twelve month period.\n\nChannel 1: Yep. Yep.\n\nChannel 0: But but just bear with me as I through. Trying to see\n\nChannel 1: Yeah.\n\nChannel 0: if I can\n\nChannel 1: Just so\n\nChannel 0: find\n\nChannel 1: I can\n\nChannel 0: this\n\nChannel 1: just see\n\nChannel 0: document.\n\nChannel 1: some comparison because I know\n\nChannel 0: Yeah.\n\nChannel 1: it sounds awful, but it'd be interesting to know it was like a few years ago when we didn't\n\nChannel 0: Yeah.\n\nChannel 1: have what was going on now.\n\nChannel 0: Yes. But then, obviously, you had COVID, and that's been\n\nChannel 1: Yeah.\n\nChannel 0: been\n\nChannel 1: Yeah.\n\nChannel 0: a little bit like that. So let me have\n\nChannel 1: Yeah.\n\nChannel 0: a look for you.\n\nChannel 1: The COVID was about five years ago, so if we go back maybe two and a half.\n\nChannel 0: Yeah. Yes.\n\nChannel 1: And I know it's still it's been still recovering after COVID too.\n\nChannel 0: Exactly. Now let me see here. So you're in the growth portfolio. Now while I try to get these documents for you, are you still comfortable with your growth portfolio, or how do you feel about, you know, fluctuations and markets at risk and everything at the moment?\n\nChannel 1: I guess I am a bit worried about it because I don't think I'll be retiring at 65 or whatever age that is. I think\n\nChannel 0: Yeah.\n\nChannel 1: that's actually possible.\n\nChannel 0: You\n\nChannel 1: And I\n\nChannel 0: you\n\nChannel 1: know\n\nChannel 0: can\n\nChannel 1: you sort of been sorry.\n\nChannel 0: you can technically access your super at 60 if you retire.\n\nChannel 1: Yeah. Well, I think I'll be doing that. So\n\nChannel 0: Yeah. Do you think more around the 67, or or what do you think?\n\nChannel 1: I really don't know. It just depends what\n\nChannel 0: Yeah.\n\nChannel 1: the next, because I'm 57 now, but I forgot, like, another ten years, I think. But I need to have a lot more in my super and yeah.\n\nChannel 0: To see.\n\nChannel 1: Because\n\nChannel 0: Yeah.\n\nChannel 1: yeah. To see yeah.\n\nChannel 0: What's\n\nChannel 1: I just\n\nChannel 0: going\n\nChannel 1: need\n\nChannel 0: on?\n\nChannel 1: yeah. I need to find some. So so I've gotta make about 2,000 a week. I've gotta have it in the hand if I wanna actually, you know, have a life and and save money, which is really hard to do. Like, I don't even know what people make these these days.\n\nChannel 0: Yeah. Just make it bit of a so I have found a report here for you for your portfolio. So I do have a three year, which is probably more similar to what you were thinking, and that is a three year rolling average. So that is kind of using\n\nChannel 1: Yes.\n\nChannel 0: three years and then\n\nChannel 1: Mhmm.\n\nChannel 0: averaging it out, which is probably most of what we are thinking. Your portfolio is about 13.87 when we are using three years.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So,\n\nChannel 1: I called. Yes.\n\nChannel 0: yeah, so some years, it would have been a little bit higher, some a little bit less.\n\nChannel 1: Mhmm.\n\nChannel 0: So having that and that is typically before fees as well. The eight point sorry. The 9.35 is after all advise fees and administration fees and everything like\n\nChannel 1: Oh,\n\nChannel 0: that.\n\nChannel 1: okay. Yep.\n\nChannel 0: So it's it's actually not too bad considering\n\nChannel 1: Mhmm.\n\nChannel 0: that. But, again, we have swapped out your benedalung for you, so, hopefully, that will then improve\n\nChannel 1: It'll make a big\n\nChannel 0: the\n\nChannel 1: difference.\n\nChannel 0: next twelve months.\n\nChannel 1: Yeah. So\n\nChannel 0: Exactly.\n\nChannel 1: did I did I lose a lot of money with the Benelon?\n\nChannel 0: Let me see here. So\n\nChannel 1: Is\n\nChannel 0: on\n\nChannel 1: that\n\nChannel 0: that\n\nChannel 1: the is\n\nChannel 0: report,\n\nChannel 1: that the reason why why my why my my my my's gone down? Or is it just gone down because of what's happening in the world or or\n\nChannel 0: just\n\nChannel 1: bit of both?\n\nChannel 0: a a bit of both. Mhmm. But overall, even in the last twelve months, so even though Benelon has gone down, the other investments have gone up.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: even in\n\nChannel 1: Okay.\n\nChannel 0: the last\n\nChannel 1: So\n\nChannel 0: 12\n\nChannel 1: it's balanced\n\nChannel 0: months\n\nChannel 1: out.\n\nChannel 0: correct. So\n\nChannel 1: Correct.\n\nChannel 0: even in the last twelve months now, depending on when in those twelve months, like, if you pulled a report one day, because what tends\n\nChannel 1: Mhmm.\n\nChannel 0: to happen is, well, that we see the biggest fluctuations are very close together. So sometimes\n\nChannel 1: Yep.\n\nChannel 0: if people get a little bit concerned because there's a big drop in the market one day,\n\nChannel 1: Yep.\n\nChannel 0: very closely followed. So even the next day or next couple of days, we tend\n\nChannel 1: Mhmm.\n\nChannel 0: to see things going up. So, really, it's only the people who then sell at the bottom, which actually crystallize those losses.\n\nChannel 1: Yep.\n\nChannel 0: So even when you do look at historical graph, which is actually\n\nChannel 1: Mhmm.\n\nChannel 0: while we are talking about it, one of the\n\nChannel 1: Yeah.\n\nChannel 0: other attachments for you there, Melissa,\n\nChannel 1: Mhmm.\n\nChannel 0: should be one where it says Vanguard index chart. Can\n\nChannel 1: Okay.\n\nChannel 0: you see that\n\nChannel 1: Yep.\n\nChannel 0: one? Can you see that one okay?\n\nChannel 1: Let me just go back. Vanguard index. Yep.\n\nChannel 0: Yes. If you wanna open that one for me, it kind of can visualize. So this is more like a good visual representation.\n\nChannel 1: Yeah. It's a good vision.\n\nChannel 0: Yeah. And it breaks down the different asset classes and how things have kind of gone. And if you do look at it, you can see that the biggest drops in the market are\n\nChannel 1: Yep.\n\nChannel 0: quite closely followed by then big increases.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: overall,\n\nChannel 1: Yeah.\n\nChannel 0: even though in the last twelve months, despite Benelon, your portfolio has still gone up. So you haven't lost any money when we're looking at a twelve month period. It's still gone\n\nChannel 1: Okay.\n\nChannel 0: up for quite a bit.\n\nChannel 1: Okay.\n\nChannel 0: The\n\nChannel 1: Okay. That's okay. That would have been better if I didn't have been along, but now we've changed\n\nChannel 0: exactly.\n\nChannel 1: that. So\n\nChannel 0: Exactly.\n\nChannel 1: yeah.\n\nChannel 0: Now, obviously, if I were to pull one report one day, like, maybe if\n\nChannel 1: Yep.\n\nChannel 0: you one day in that twelve\n\nChannel 1: Yes.\n\nChannel 0: month and then you looked a week after, you could have seen, like, a bit of a drop be between that period depending on when you did it. So that's\n\nChannel 1: Mhmm.\n\nChannel 0: also\n\nChannel 1: Yes.\n\nChannel 0: what I'd like to do twelve months to kind of show you, well, okay. Because there are fluctuations on a daily, giving a twelve month period shows us, okay. Well, in the last twelve months, even though at some of those times your portfolio was higher than others, overall, it still is\n\nChannel 1: It's going\n\nChannel 0: a positive.\n\nChannel 1: up. It's amazing,\n\nChannel 0: Exactly.\n\nChannel 1: from when, like, Rad Rad and Gillard were in. You don't realize, like,\n\nChannel 0: Exactly.\n\nChannel 1: you know yeah.\n\nChannel 0: So overall,\n\nChannel 1: Look\n\nChannel 0: it's\n\nChannel 1: how\n\nChannel 0: still\n\nChannel 1: much\n\nChannel 0: good.\n\nChannel 1: it's gone up since Biden's gone.\n\nChannel 0: Right?\n\nChannel 1: That's a big\n\nChannel 0: Yes.\n\nChannel 1: difference. Yeah.\n\nChannel 0: Very much so. So so, overall, we're quite happy with it. Now\n\nChannel 1: Yeah.\n\nChannel 0: while\n\nChannel 1: Okay.\n\nChannel 0: we are\n\nChannel 1: Cool.\n\nChannel 0: talking about your risk as well, I do wanna quickly run through a couple of multiple choice questions just to see\n\nChannel 1: Yeah.\n\nChannel 0: if you'd like and feel like we need to change anything with your risk tolerance.\n\nChannel 1: Mhmm.\n\nChannel 0: So it is just multiple choice. There is no right or wrong answer. It's just whatever you feel is the most appropriate for you. Does\n\nChannel 1: Mhmm.\n\nChannel 0: that make sense, Alyssa?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yep. Perfect. Now have you ever bought direct shares yourself?\n\nChannel 1: No.\n\nChannel 0: No. Perfect. And you said at the moment, you probably don't think you're gonna start drawing an income from super for at least ten years, did you\n\nChannel 1: Yeah.\n\nChannel 0: say?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: So I need so it needs to work as, you know, the best we possibly can,\n\nChannel 0: Exactly.\n\nChannel 1: I think? You know? Yeah.\n\nChannel 0: And so next one here is in regards to inflation. So inflation means that things are getting more expensive over time, like you\n\nChannel 1: Mhmm.\n\nChannel 0: mentioned as well.\n\nChannel 1: Yep.\n\nChannel 0: Your money worth a little bit less and everything is costing more. Now\n\nChannel 1: Yes.\n\nChannel 0: how much of a risk are you willing to take in order to try to keep up with the rising prices? So think about these questions in regards to your superannuation.\n\nChannel 1: Mhmm.\n\nChannel 0: So are you willing to accept very high risk, high moderate, or a small amount of risk in order to kinda make sure that your superannuation continues to grow more than the increasing prices?\n\nChannel 1: I don't know. That's a really difficult question to answer because you can't predict\n\nChannel 0: Yeah.\n\nChannel 1: the future. You\n\nChannel 0: Exactly.\n\nChannel 1: know? You know, like, I'd like to be a risk taker. I think you you I guess you sorta wanna risk more if you got another thirty years because, you know,\n\nChannel 0: Yes.\n\nChannel 1: things will come good eventually, and then you could sort of, you know,\n\nChannel 0: Exactly.\n\nChannel 1: adjust it. But when I've got\n\nChannel 0: Yep.\n\nChannel 1: ten years, I don't know what the best option is, really. But what\n\nChannel 0: Mhmm.\n\nChannel 1: am I what am I at the moment? Am I high at the moment? Because I think I was the highest at one stage, and then I went down.\n\nChannel 0: Yeah. So you are somewhere in the middle. So\n\nChannel 1: Yeah.\n\nChannel 0: on the on the scale, we kind of be customized different, but, typically, we have you have your aggressive plus, which is where\n\nChannel 1: Yep.\n\nChannel 0: you are borrowing money to invest. So, obviously very, very volatile.\n\nChannel 1: Mhmm.\n\nChannel 0: You have your aggressive. We have\n\nChannel 1: Yep.\n\nChannel 0: a high growth. We have a growth, which is where you are currently, and\n\nChannel 1: K.\n\nChannel 0: then we have balanced growth and balance. So you are kind of somewhere in the middle at the moment where\n\nChannel 1: Mhmm.\n\nChannel 0: you are trying to maximize growth in your superannuation as much as possible while you have the time. You are aware that sometimes there will be some ups and downs and market fluctuation,\n\nChannel 1: Yep.\n\nChannel 0: but at the same time, you want a little bit of that defensive. And\n\nChannel 1: Yep.\n\nChannel 0: going back to that Vanguard chart is where you have about 80% invested in the top four. So those are your\n\nChannel 1: Okay.\n\nChannel 0: US shares,\n\nChannel 1: It says\n\nChannel 0: Australian\n\nChannel 1: traveling to me.\n\nChannel 0: shares.\n\nChannel 1: Mhmm.\n\nChannel 0: Exactly. So these are the one that grows the most, which is obviously we're trying to maximize that growth for you so that you\n\nChannel 1: Yeah.\n\nChannel 0: can retire earlier.\n\nChannel 1: Yep. Yep.\n\nChannel 0: They also fluctuate the most. So we therefore\n\nChannel 1: Yeah.\n\nChannel 0: have about 20% in those bottom three. They're\n\nChannel 1: Yep.\n\nChannel 0: a bit smoother,\n\nChannel 1: And\n\nChannel 0: don't\n\nChannel 1: any\n\nChannel 0: go\n\nChannel 1: other defensive\n\nChannel 0: as much.\n\nChannel 1: ones? The Australian banks\n\nChannel 0: Exact.\n\nChannel 1: are the defensive. Yep.\n\nChannel 0: Exactly. Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Now looking at a time frame point of view, so like you said as well, you wanna make sure that you have enough time in the market for those fluctuations to come back around.\n\nChannel 1: Mhmm.\n\nChannel 0: In\n\nChannel 1: Yeah.\n\nChannel 0: a growth portfolio, we like to allow six years until retirement. So if you are kind of looking around the\n\nChannel 1: Yep.\n\nChannel 0: ten years and you said you do wanna\n\nChannel 1: Mhmm.\n\nChannel 0: explore your superannuation and wanna make sure it works as hard as it can,\n\nChannel 1: Yep.\n\nChannel 0: and you do have about a six year time frame and more,\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: a growth portfolio is a good position as long as you are comfortable seeing a bit of fluctuations, as long as over the long term, it continues to go up.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Do you think you\n\nChannel 1: Yeah. I\n\nChannel 0: feel\n\nChannel 1: mean, that\n\nChannel 0: comfortable\n\nChannel 1: sounds okay.\n\nChannel 0: with that?\n\nChannel 1: Or do you think I should go up to the next one because I've got ten years?\n\nChannel 0: You have the time, but what also plays a role is your risk tolerance. And seeing\n\nChannel 1: Yeah.\n\nChannel 0: if you do see a bit of fluctuation\n\nChannel 1: Yeah.\n\nChannel 0: that makes you a little bit nervous, I think staying in a growth is good because what you have what's happened in the last one is still good\n\nChannel 1: Yeah.\n\nChannel 0: and suitable for you.\n\nChannel 1: Yeah. No.\n\nChannel 0: And if\n\nChannel 1: That's\n\nChannel 0: we,\n\nChannel 1: true. Yeah.\n\nChannel 0: yeah, if we bump it up, you will see potentially more fluctuations.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Okay.\n\nChannel 0: I think, yeah, I think it's a good kind of in between where you are right now.\n\nChannel 1: Well okay.\n\nChannel 0: And then, also, you know, the closer you get to retirement, we might wanna then start looking at reducing that a little bit and get\n\nChannel 1: Yes.\n\nChannel 0: more defensive when\n\nChannel 1: Yep.\n\nChannel 0: you have a little a little bit less. So when you have, you know, only a couple of years, we might wanna look at reducing it.\n\nChannel 1: Yep.\n\nChannel 0: Before the interim, I do think that growth from what you are saying, what your time\n\nChannel 1: Mhmm.\n\nChannel 0: frame\n\nChannel 1: Mhmm.\n\nChannel 0: is suitable for you. As long as\n\nChannel 1: Excellent.\n\nChannel 0: you, yeah, are okay seeing a little bit of fluctuations in the short\n\nChannel 1: Yep.\n\nChannel 0: term to make sure that it continues to grow.\n\nChannel 1: Yep. Okay. That\n\nChannel 0: Yeah.\n\nChannel 1: sounds good. Yeah.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Thank you for\n\nChannel 0: Now\n\nChannel 1: explaining it. Mhmm.\n\nChannel 0: no. That's okay. If anything does change, though, at any point in time, so it doesn't have to be an unreview time, if anything changes and you are, you know, concerned or you wanna talk more about it, you can always send me an email or call the\n\nChannel 1: Mhmm.\n\nChannel 0: office, and\n\nChannel 1: Yep.\n\nChannel 0: we can always book you in for a catch up. Even if it's not, like, the full interview, if it's just, like,\n\nChannel 1: Mhmm.\n\nChannel 0: a quarterly catch up or something,\n\nChannel 1: Yep.\n\nChannel 0: if you wanna talk about it,\n\nChannel 1: Yeah.\n\nChannel 0: you're always more than welcome to do so.\n\nChannel 1: Okay. Thank you.\n\nChannel 0: Yes. No. That's okay. Now let me see here. Otherwise, with the documents while we are on them, what is the next attachment that you can see on your end\n\nChannel 1: Mhmm.\n\nChannel 0: to make?\n\nChannel 1: I just wanted to ask with the Vanguard index chart at the bottom, it's got the average weekly earnings. Is that is that how much people were making each week back then?\n\nChannel 0: Let me have a look for\n\nChannel 1: Yeah.\n\nChannel 0: you.\n\nChannel 1: The bottom of the Vanguard. Just noticed that it's got average weekly and just sort of shows you how much people were making each week.\n\nChannel 0: Inflation average weekly. Yes. So yes. Exactly. So it's what people were making.\n\nChannel 1: At the\n\nChannel 0: So,\n\nChannel 1: moment\n\nChannel 0: obviously,\n\nChannel 1: mhmm.\n\nChannel 0: back back in 1995, 639 a week would give you quite far. And\n\nChannel 1: Yeah.\n\nChannel 0: then, obviously, now the average weekly earning is about 1,974.\n\nChannel 1: And is that before tax or after tax?\n\nChannel 0: Let me see what it says in the fine print. Usually, it's the full tax.\n\nChannel 1: Or before tax. Yeah. January 1995, I was making about $500 a week, and I had a very average job.\n\nChannel 0: Yeah.\n\nChannel 1: So it says 639. I was like, oh.\n\nChannel 0: Oh, and, obviously, it's on average. So some people earn a lot more and some people\n\nChannel 1: Yeah.\n\nChannel 0: earn a\n\nChannel 1: True.\n\nChannel 0: lot less.\n\nChannel 1: Yeah.\n\nChannel 0: Let me see here if it's the if it's Arthur.\n\nChannel 1: That's a really good chart, isn't it?\n\nChannel 0: Yeah. And that's why I think it's a real really good\n\nChannel 1: Yeah.\n\nChannel 0: one to to include, especially when there are bit of fluctuations. Is this good to see it a bit more kind of zoomed\n\nChannel 1: And I'm\n\nChannel 0: out?\n\nChannel 1: more of a visual person too, so I like the\n\nChannel 0: Yes.\n\nChannel 1: visuals as well.\n\nChannel 0: Me\n\nChannel 1: And\n\nChannel 0: too.\n\nChannel 1: yeah. I was I\n\nChannel 0: Me\n\nChannel 1: was I\n\nChannel 0: too.\n\nChannel 1: wasn't very good at mathematics or numbers. That was, like, not that was, like, the worst subject. I was more the arty arty person. So,\n\nChannel 0: I obviously like the numbers.\n\nChannel 1: yeah, yeah, I'm definitely not a\n\nChannel 0: No.\n\nChannel 1: number person, but I'm trying.\n\nChannel 0: Oh, yeah. It doesn't actually say if it's after or before here. Typically, I would say it's before, but it doesn't\n\nChannel 1: Yeah.\n\nChannel 0: actually say on the graph, which is it was a very good question. I'll see if I can find it find out. But, yeah, they do publish this every year. So every year, they do a bit of an update.\n\nChannel 1: Okay.\n\nChannel 0: They are\n\nChannel 1: Yep.\n\nChannel 0: a little bit so, typically, in 2026, they'll have it. So you can kind of see to June 30. So\n\nChannel 1: Mhmm.\n\nChannel 0: probably at the end of this financial year, they might release the 2026.\n\nChannel 1: Okay.\n\nChannel 0: So you can even just Google that as well\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: I\n\nChannel 0: it's\n\nChannel 1: could\n\nChannel 0: something\n\nChannel 1: probably\n\nChannel 0: that\n\nChannel 1: just\n\nChannel 0: you are\n\nChannel 1: Google\n\nChannel 0: interested\n\nChannel 1: it. Yeah.\n\nChannel 0: in. Yeah.\n\nChannel 1: Yeah. Yeah. I can just Google it. That's fine. I'll yeah.\n\nShould\n\nChannel 0: So\n\nChannel 1: chat\n\nChannel 0: then\n\nChannel 1: to\n\nChannel 0: every\n\nChannel 1: you. Be sure you'll sort that out.\n\nChannel 0: yes. And then yeah. So every year, they do one, which is good. So then you can kind of see, okay, well, what's happened, which is really good. Now, Melissa, on the last documents there for you,\n\nChannel 1: Yep.\n\nChannel 0: what are the ones that you have that you can see? Can you see a super summary?\n\nChannel 1: Just one moment. Let's go to get that. Okay. Sorry. Yeah.\n\nThe super summary. Yep.\n\nChannel 0: Yes.\n\nChannel 1: I'm a click on\n\nChannel 0: Now\n\nChannel 1: that.\n\nChannel 0: Yes, please. So that one shows you your super balance. It seems like you go and have a look at it every now and then, which is good.\n\nChannel 1: Yeah.\n\nChannel 0: That\n\nChannel 1: I\n\nChannel 0: shows\n\nChannel 1: still have 203 now.\n\nChannel 0: Yeah.\n\nChannel 1: Every time\n\nChannel 0: So\n\nChannel 1: I look at those down, it was 250 payment one day.\n\nChannel 0: so yes. Yesterday, what we did is 203, 646.\n\nChannel 1: Wow.\n\nChannel 0: Now your other attachments, you can see through that says, HP Financial Services Guide\n\nChannel 1: Mhmm.\n\nChannel 0: and then also one that says services guide version one.\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Mhmm.\n\nChannel 0: Yep. Now these ones here, you would have seen similar before. It's just a bit of an updated version to our financial service guide. It does give you all the important information that you do need to know about us. So if\n\nChannel 1: Yep.\n\nChannel 0: you go, for example, in through the version one document,\n\nChannel 1: Yep.\n\nChannel 0: the the financial services guide version four is just a little condensed version. I'll let you have a look over that in your own time. But\n\nChannel 1: Yep.\n\nChannel 0: that version two, you will see it is quite extensive, but it gives you everything that you need to know. You would have seen this one before.\n\nChannel 1: Yeah.\n\nChannel 0: It is just a bit of an updated version. We've had some changes from marketing, which is good, and also an extension to the team. So if you wanna scroll down to page 10,\n\nChannel 1: Mhmm.\n\nChannel 0: you should see a photo of myself there as well. And sometimes it is nice to put a face to the voice.\n\nChannel 1: Yeah. So it's just loading at the moment. It's still loading.\n\nChannel 0: No. That's okay.\n\nChannel 1: Moment.\n\nChannel 0: It it is a bit of a longer one. Sorry.\n\nChannel 1: Yeah.\n\nChannel 0: You will\n\nChannel 1: Here we go.\n\nChannel 0: see that.\n\nChannel 1: K. It's still a few more seconds.\n\nChannel 0: No. That's okay. And you will see me next to Dana. Yes. I think we I think we spoke not last year, but the year before because I do remember yeah.\n\nWe did. So yeah. Just bit just bit of updated photo there for you. So yeah. That's all in there for you.\n\nNow\n\nChannel 1: I'm on the wrong one right there. I think it's just taking ages to oh, that one's was it wasn't the the financial I think I\n\nChannel 0: The\n\nChannel 1: might have\n\nChannel 0: version\n\nChannel 1: actually\n\nChannel 0: the version\n\nChannel 1: yep.\n\nChannel 0: one is\n\nChannel 1: Oh,\n\nChannel 0: where\n\nChannel 1: okay.\n\nChannel 0: you have, yeah, it's where you have the advice team.\n\nChannel 1: Yes.\n\nChannel 0: You also see, like, a chief of staff, operations manager. Otherwise, you'll see all the advices in there for you, a\n\nChannel 1: Mhmm.\n\nChannel 0: marketing\n\nChannel 1: Yep.\n\nChannel 0: and head of administration. If you go on the website,\n\nChannel 1: Yep.\n\nChannel 0: you can then see all the admin team. So, like, Michelle, if you've spoken to her before, our\n\nChannel 1: Yes.\n\nChannel 0: power planning research team, everyone\n\nChannel 1: Yes.\n\nChannel 0: else is on the website for you as well.\n\nChannel 1: Okay. Fantastic.\n\nChannel 0: Yep. Now that was all those attachments.\n\nChannel 1: Yeah.\n\nChannel 0: If you then click on the link for me, if that works, you should see two documents.\n\nChannel 1: Okay. Just one moment.\n\nChannel 0: Yep.\n\nChannel 1: I'm just going on my computer. Give me one minute just so I can close. Okay.\n\nChannel 0: Yeah. Of course.\n\nChannel 1: Have I got any laptop? And I think I've just I've already taken it back once.\n\nChannel 0: Okay.\n\nChannel 1: I got it fixed.\n\nChannel 0: No. That's\n\nChannel 1: Okay.\n\nChannel 0: okay.\n\nChannel 1: So I came back again. So for the link,\n\nChannel 0: Yes.\n\nChannel 1: I can't I just signed documents. Is that\n\nChannel 0: Yes.\n\nChannel 1: why you won't need\n\nChannel 0: So\n\nChannel 1: to sign yet?\n\nChannel 0: yes. So if you click on that, you should see through through on the document when you click on the link. Now there should be one\n\nChannel 1: Yeah.\n\nChannel 0: the first one where it says Netwealth advise fee consent. Can you see that?\n\nChannel 1: It should download. Oh, there we go. It was advised, please, consent. Yep. I'm on to\n\nChannel 0: Yep.\n\nChannel 1: that one. Yep.\n\nChannel 0: Yep. So this one is the the ongoing service agreement. And that is just\n\nChannel 1: Yep.\n\nChannel 0: to\n\nChannel 1: That's\n\nChannel 0: say that\n\nChannel 1: the sign\n\nChannel 0: you are\n\nChannel 1: in\n\nChannel 0: happy\n\nChannel 1: that. Yep.\n\nChannel 0: exactly. So you are happy to stay on as a client for the\n\nChannel 1: Mhmm.\n\nChannel 0: next twelve months, but there\n\nChannel 1: Yep.\n\nChannel 0: is no lock in contact. So if at any point in time you are not happy with the service, there is no lock in contact. Otherwise, this essential lets us service and manage your account for you. And then until next annual review, where we would go through this again to see if you are happy to stay on for another twelve months. The advisory is not changing.\n\nIt stays exactly the same at 1.65\n\nChannel 1: Yes. Yes.\n\nChannel 0: from super. So no changes to\n\nChannel 1: Yep.\n\nChannel 0: that one. And then the last one is just just a compliance form just to say that we have your tax file number secure on file, essentially.\n\nChannel 1: Okay. No problem.\n\nChannel 0: Yep.\n\nChannel 1: I just sign all that now. Yep.\n\nChannel 0: Yes. If you're happy to do that, that would be\n\nChannel 1: Yeah.\n\nChannel 0: great.\n\nChannel 1: Now\n\nChannel 0: And\n\nChannel 1: that's\n\nChannel 0: then we\n\nChannel 1: fine.\n\nChannel 0: get\n\nChannel 1: It's\n\nChannel 0: that\n\nChannel 1: missing\n\nChannel 0: loaded.\n\nChannel 1: here. There's no changes. So\n\nChannel 0: Yes.\n\nChannel 1: okay. Okay. Signing. Yep. That's fine.\n\nThere we go.\n\nChannel 0: That works the case for you, Melissa?\n\nChannel 1: Yep. Just loading, taking\n\nChannel 0: Yep.\n\nChannel 1: pages.\n\nChannel 0: Technology sometimes. It's great when it works, but sometimes it's\n\nChannel 1: It doesn't seem to\n\nChannel 0: yeah.\n\nChannel 1: be everything's yeah. It just seems to be a lot slower for some reason\n\nChannel 0: Oh, yeah.\n\nChannel 1: today. It's just\n\nChannel 0: No. That's okay.\n\nChannel 1: still loading. It's so cool. Anyways, it's it's on its\n\nChannel 0: That's\n\nChannel 1: way eventually.\n\nChannel 0: yes. Perfect. While I do kind of oh, actually, I just got notified that you came through, so that's great.\n\nChannel 1: Right.\n\nChannel 0: So thank you so much for that. Now I do have a couple more questions just to see if anything has changed for you. So just bear with me, then I will let you go and enjoy the rest of your day. Let me see here. If it is at the end of the financial year that you do wanna make another lump sum to superannuation,\n\nChannel 1: Mhmm. Yes. Mhmm.\n\nChannel 0: just just let us know. We can obviously send you the details. And if you then wanna do the notice of intent to claim the tax\n\nChannel 1: Yep.\n\nChannel 0: back,\n\nChannel 1: Yeah. I'll\n\nChannel 0: Just\n\nChannel 1: definitely\n\nChannel 0: let us\n\nChannel 1: do that\n\nChannel 0: know,\n\nChannel 1: this year. Yep.\n\nChannel 0: yeah, just let us know a couple of weeks before the end of the financial year just\n\nChannel 1: Yep.\n\nChannel 0: to make sure we have enough time for you.\n\nChannel 1: Time to do it. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Mhmm.\n\nChannel 0: And just be mindful of their contribution cap as well, which is 30,000.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, assets and liabilities wise, has anything changed? You said, obviously, you're renting do you have a motor vehicle or anything? Or\n\nChannel 1: No. No.\n\nChannel 0: No.\n\nChannel 1: I don't drive. So, yeah, I'm just renting.\n\nChannel 0: No.\n\nChannel 1: I'm pretty pretty simple.\n\nChannel 0: Yeah. Do you have any, like, liabilities, personal loans, credit cards, ZipPay?\n\nChannel 1: No. I mean, I've got two\n\nChannel 0: No.\n\nChannel 1: credit cards, but I don't owe any money on\n\nChannel 0: Yeah.\n\nChannel 1: anything. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Health and lifestyle wise, I have\n\nChannel 1: Mhmm.\n\nChannel 0: you down here as a nonsmoker.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: That's\n\nChannel 0: Perfect.\n\nChannel 1: correct. Mhmm.\n\nChannel 0: Any changes to your health in the last twelve months?\n\nChannel 1: No. Nothing\n\nChannel 0: No.\n\nChannel 1: on pretty healthy. Yep.\n\nChannel 0: That's good. And, obviously, we don't have any insurances for you at the moment. You're still obviously\n\nChannel 1: Mhmm.\n\nChannel 0: happy happy with that?\n\nChannel 1: What kind of insurance would that be?\n\nChannel 0: So\n\nChannel 1: Like,\n\nChannel 0: there\n\nChannel 1: life\n\nChannel 0: are\n\nChannel 1: insurance\n\nChannel 0: a range\n\nChannel 1: and\n\nChannel 0: of, yes, life insurance and total permanent disability insurance. So if something were to happen and you were unable to go back to work\n\nChannel 1: mhmm.\n\nChannel 0: or trauma insurance,\n\nChannel 1: So\n\nChannel 0: if\n\nChannel 1: how\n\nChannel 0: you\n\nChannel 1: how\n\nChannel 0: suffer\n\nChannel 1: much would\n\nChannel 0: a traumatic\n\nChannel 1: they be for, like, the disability, the work,\n\nChannel 0: yes.\n\nChannel 1: personal personal insurance? Yeah. Whatever that is. Yeah.\n\nChannel 0: Personal\n\nChannel 1: Yeah.\n\nChannel 0: risk insurance.\n\nChannel 1: Yeah.\n\nChannel 0: So they are they are very tailored to you. So it it's dependent on age. It's dependent on occupation and health\n\nChannel 1: Mhmm.\n\nChannel 0: to then then see the cost. So if it is something that you are interested in,\n\nChannel 1: Mhmm.\n\nChannel 0: the process would be that we would I would book you in for a pre assessment. What that would do is multiple choice questions just to get an in-depth understanding of your health, your lifestyle, and your occupation.\n\nChannel 1: Mhmm.\n\nChannel 0: From that, we would send that out to all insurers out out there to see what they would offer,\n\nChannel 1: Mhmm.\n\nChannel 0: then I'll be able to get quotes. So it\n\nChannel 1: Okay.\n\nChannel 0: is a bit of a lengthy process.\n\nChannel 1: Okay.\n\nChannel 0: They do tend to get more expensive the older you get.\n\nChannel 1: Yeah.\n\nChannel 0: But if it is something that you want to look at, I'll be more than happy to book you in for a pre assessment if\n\nChannel 1: Mhmm.\n\nChannel 0: if you wanna look at insurances.\n\nChannel 1: I did look at them a couple of times through my my insurance, and they were quite expensive. So I didn't really worry\n\nChannel 0: Yes.\n\nChannel 1: about them, but I just thought I'd ask you anyway. So\n\nChannel 0: Yes. And they\n\nChannel 1: yeah.\n\nChannel 0: do get the older you get, they get a lot more expensive because in\n\nChannel 1: Yeah.\n\nChannel 0: the insurance point of view, there is a\n\nChannel 1: You're\n\nChannel 0: higher\n\nChannel 1: you're getting\n\nChannel 0: chance\n\nChannel 1: older\n\nChannel 0: of a\n\nChannel 1: and\n\nChannel 0: risk.\n\nChannel 1: it's high risk.\n\nChannel 0: Exactly.\n\nChannel 1: Yeah. That's right. Well, I got one with h c f HCF at the moment where I just pay $13 a month, but I'll give you, I think, like, 5 to $6,000 up front if something happens.\n\nChannel 0: Oh, yeah.\n\nChannel 1: So\n\nChannel 0: Is that private\n\nChannel 1: Yeah.\n\nChannel 0: private health insurance, or is that,\n\nChannel 1: Yeah.\n\nChannel 0: like,\n\nChannel 1: Yeah.\n\nChannel 0: a bit of a\n\nChannel 1: I\n\nChannel 0: life?\n\nChannel 1: just just through the private health insurance, that was just an option. I thought it was $13 a\n\nChannel 0: Yeah.\n\nChannel 1: month. It's something, isn't it? And if you don't really\n\nChannel 0: Yeah.\n\nChannel 1: notice $13 a month, and I thought if something does happen, you know,\n\nChannel 0: Yeah.\n\nChannel 1: it's a little bit of money that will pay the rate while you're getting you know?\n\nChannel 0: Exactly.\n\nChannel 1: Yeah.\n\nChannel 0: Yes.\n\nChannel 1: So\n\nChannel 0: And it's\n\nChannel 1: so\n\nChannel 0: pretty\n\nChannel 1: I've got that.\n\nChannel 0: pretty reasonable\n\nChannel 1: Yeah.\n\nChannel 0: for price because, yeah, they can cost\n\nChannel 1: Yeah.\n\nChannel 0: quite a\n\nChannel 1: Like,\n\nChannel 0: bit\n\nChannel 1: some of them\n\nChannel 0: the\n\nChannel 1: were\n\nChannel 0: older\n\nChannel 1: ridiculous.\n\nChannel 0: you get.\n\nChannel 1: Yeah. Like,\n\nChannel 0: Yeah.\n\nChannel 1: I think I had a few quotes, and I was like, oh, no. I'll just kinda know what I'll do,\n\nChannel 0: Yeah.\n\nChannel 1: but I'm not paying that because, you know, you just don't know. And it's just you gotta pay your rent. It's always like I mean, some of them\n\nChannel 0: Exactly.\n\nChannel 1: it was so expensive. I was\n\nChannel 0: Yeah.\n\nChannel 1: just like, it's not worth it. It\n\nChannel 0: Yeah.\n\nChannel 1: might be something bad happens, but I'll just deal with that.\n\nChannel 0: Yeah. Okay. Perfect. Well,\n\nChannel 1: Yeah.\n\nChannel 0: we can leave it for now. If anything\n\nChannel 1: Yeah.\n\nChannel 0: changed, let me\n\nChannel 1: Yep.\n\nChannel 0: know.\n\nChannel 1: Okay. Fantastic.\n\nChannel 0: But, yeah, we can always we can always have a look at it if you want to, but, yes, obviously, the older\n\nChannel 1: Yeah.\n\nChannel 0: you get, the more they get\n\nChannel 1: Yeah.\n\nChannel 0: quite a bit more expensive.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Beautiful. Thank you, Veronica. I think that's great.\n\nChannel 0: No. Perfect.\n\nChannel 1: Thank you for\n\nChannel 0: No.\n\nChannel 1: all the\n\nChannel 0: There\n\nChannel 1: info.\n\nChannel 0: is\n\nChannel 1: Appreciate it. And\n\nChannel 0: no.\n\nChannel 1: I'll have\n\nChannel 0: That's\n\nChannel 1: another\n\nChannel 0: okay.\n\nChannel 1: read through. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Thank you.\n\nChannel 0: Now there is just one thing I do wanna check with you before\n\nChannel 1: Mhmm.\n\nChannel 0: I\n\nChannel 1: Yep.\n\nChannel 0: let you go, Melissa.\n\nChannel 1: Yep.\n\nChannel 0: Sorry. And that is just your beneficiary form. So on hub twenty sorry. On Netwealth, so your\n\nChannel 1: Yep.\n\nChannel 0: superannuation, if something were to happen to you, I have Jody nominated.\n\nChannel 1: Yes.\n\nChannel 0: I do wanted to check because the superannuation makes it quite difficult on who you can nominate directly through super. They are quite strict on\n\nChannel 1: Mhmm.\n\nChannel 0: who is a valid nomination.\n\nChannel 1: I\n\nChannel 0: So\n\nChannel 1: can.\n\nChannel 0: the the only people that you can have directly through Stupa is\n\nChannel 1: Mhmm.\n\nChannel 0: a spouse, a child, or someone that you have a financial interdependent relationship with. Basically, what that means is someone that must re rely on you financially. If you were to pass away, you live together and provide, you know, financial domestic and personal care support. Would your sister fall into that category?\n\nChannel 1: No. Because I'm single,\n\nChannel 0: No.\n\nChannel 1: and I don't have any children. So how do you\n\nChannel 0: Yeah.\n\nChannel 1: work around that? That's\n\nChannel 0: Yeah.\n\nChannel 1: a bit ridiculous.\n\nChannel 0: So they do make it tricky. The good thing is you can still give it to her. We would just\n\nChannel 1: Okay.\n\nChannel 0: have to change the way that it is. So,\n\nChannel 1: Okay.\n\nChannel 0: yeah, so you can still very much give it because I we have so many clients who give that\n\nChannel 1: Yeah.\n\nChannel 0: to, you know, brothers and sisters and nephews and nieces or\n\nChannel 1: Yeah.\n\nChannel 0: friends.\n\nChannel 1: Yeah.\n\nChannel 0: So you very much can still give it to your sister. The only way that we would have to change it is\n\nChannel 1: Yep.\n\nChannel 0: that on the beneficiary form,\n\nChannel 1: Yep.\n\nChannel 0: we would have to change it to say a legal personal representative.\n\nChannel 1: Yep.\n\nChannel 0: What that basically means is saying that it reverts to your will. Now in your will, you can stipulate exactly who you want to give it to.\n\nChannel 1: Oh, okay. I don't I don't have a wheel. So maybe I\n\nChannel 0: No.\n\nChannel 1: should get one.\n\nChannel 0: It is good. Now you can do different ways. So, obviously, the most comprehensive way is to go through a lawyer.\n\nChannel 1: Yep.\n\nChannel 0: Mhmm. That obviously costs more as well. So that\n\nChannel 1: Yeah.\n\nChannel 0: is the most comprehensive. The other way you can do it is even just the post office have will kits,\n\nChannel 1: Yeah.\n\nChannel 0: which are a lot cheaper. The only thing with that is just if you do decide to go that way, it's just to read the instructions carefully so that you've completed correctly,\n\nChannel 1: Yes.\n\nChannel 0: and then you can you can do it that way.\n\nChannel 1: Hi, Ty.\n\nChannel 0: Yeah, which is a little bit more affordable. And if you decide to do it that way,\n\nChannel 1: Yeah.\n\nChannel 0: you are more than welcome to email me a copy if you would like, and I can\n\nChannel 1: Oh,\n\nChannel 0: keep it\n\nChannel 1: okay.\n\nChannel 0: on file.\n\nChannel 1: Yes.\n\nChannel 0: So that way, if something were to happen, we have a copy of the will, and then we also have the beneficiary to say that it goes to the will. And then in the will, you can say that you would like Jodie to receive it.\n\nChannel 1: Okay. Yeah. That'd be perfect. And you got everything on file. So I think happy to get right.\n\nWe've we've got the\n\nChannel 0: Exactly.\n\nChannel 1: wheel. We've got everything.\n\nChannel 0: Exactly.\n\nChannel 1: Okay. Yeah. And it's only about\n\nChannel 0: So,\n\nChannel 1: a $100, I think, isn't it, to get the wheel\n\nChannel 0: yeah,\n\nChannel 1: from the\n\nChannel 0: they\n\nChannel 1: post?\n\nChannel 0: they're\n\nChannel 1: So it's pretty\n\nChannel 0: they're quite\n\nChannel 1: cheap.\n\nChannel 0: they're quite affordable, and that way\n\nChannel 1: Yeah.\n\nChannel 0: you still have something in place to strengthen, you know, making sure they does go to her if something were to happen. So,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Melissa, do you have access to a printer, or do you prefer things to be posted to you?\n\nChannel 1: I I don't have actually still a printer, but I I can do I can go to the library, so that's fine. So if you just\n\nChannel 0: Yeah.\n\nChannel 1: email anything, it's\n\nChannel 0: Okay.\n\nChannel 1: fine. Yeah. That's all\n\nChannel 0: Perfect.\n\nChannel 1: good.\n\nChannel 0: So what I'll\n\nChannel 1: Yeah.\n\nChannel 0: get to do is I would get them to email you a copy\n\nChannel 1: Yep.\n\nChannel 0: of your and do you want me to prefill it through the legal personal representative\n\nChannel 1: Yeah.\n\nChannel 0: to make it easy? Yep.\n\nChannel 1: Yeah. You you do everything that needs to be done. Yeah. That'd be\n\nChannel 0: Yep.\n\nChannel 1: great.\n\nChannel 0: Perfect.\n\nChannel 1: I appreciate\n\nChannel 0: So\n\nChannel 1: that.\n\nChannel 0: I'll no. That's okay. I will\n\nChannel 1: Yeah.\n\nChannel 0: prefill it. I'll get the team to email you a copy.\n\nChannel 1: Yep.\n\nChannel 0: Yep. When you have a moment, it just needs to be printed and web signed because you are making a legal nomination.\n\nChannel 1: Yep.\n\nChannel 0: Return\n\nChannel 1: Yep.\n\nChannel 0: it through me, and then I'll get that uploaded and sorted on Netwealth. And if you do get a will, like I said, you're more than welcome to email that through as well.\n\nChannel 1: Yeah. I will. I think I should because I was pretty I don't have anything anyway. I just got my super. So, basically, I'll just say, Jodie can have everything that I've got.\n\nSuper,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: health contents. Like, it's very basic. I don't need a lawyer. So, like,\n\nChannel 0: Exactly.\n\nChannel 1: I have five houses\n\nChannel 0: Yes.\n\nChannel 1: and 10\n\nChannel 0: Yes.\n\nChannel 1: children.\n\nChannel 0: It's exactly. It's not it's not a complex estate, which makes it easier because then you don't\n\nChannel 1: Yes.\n\nChannel 0: have to pay as much for it. So yeah.\n\nChannel 1: Yeah. That's right. It's just gonna be basic and simple. So\n\nChannel 0: Yeah. Exactly. So I will get the team to email you that form. If anything changed or if you need anything else at any point in time, just\n\nChannel 1: Mhmm.\n\nChannel 0: give us a call or send me an email, and we can always\n\nChannel 1: Yep.\n\nChannel 0: book you in for another catch up.\n\nChannel 1: Amazing. Thank you so much for that. It's really good. I'm really glad we got to speak because that's something\n\nChannel 0: Yeah.\n\nChannel 1: I need to do. So\n\nChannel 0: Yeah. Me me too, Melissa. And like I said,\n\nChannel 1: yes.\n\nChannel 0: anything else you need, just give us a call. But, otherwise,\n\nChannel 1: Brilliant.\n\nChannel 0: if I don't hear for you, I will talk to you next time to review.\n\nChannel 1: Absolutely. Thanks,\n\nChannel 0: Yeah.\n\nChannel 1: Ronnie. Have a great\n\nChannel 0: Okay.\n\nChannel 1: day. Okay. Thanks for everything. Okay.\n\nChannel 0: You you too,\n\nChannel 1: Check\n\nChannel 0: Melissa.\n\nChannel 1: out.\n\nChannel 0: Bye.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Michelle.","start":1.5999999,"end":2.34,"sentiment":"neutral","sentiment_score":0.17969520390033722}],"sentiment":"neutral","sentiment_score":0.17969520390033722,"channel":1,"num_words":2,"start":1.5999999,"end":2.34},{"sentences":[{"text":"Good morning, Melissa.","start":3.76,"end":4.8199997,"sentiment":"positive","sentiment_score":0.481418639421463},{"text":"This is Veronica from Achieve Financial.","start":4.88,"end":6.96,"sentiment":"positive","sentiment_score":0.37115632990996045},{"text":"How are you?","start":6.96,"end":7.7799997,"sentiment":"neutral","sentiment_score":0.3113044897715251}],"sentiment":"positive","sentiment_score":0.38375894725322723,"channel":0,"num_words":12,"start":3.76,"end":7.7799997},{"sentences":[{"text":"Oh, I'm good, Veronica.","start":7.68,"end":8.72,"sentiment":"positive","sentiment_score":0.45591938495635986},{"text":"Hi.","start":8.72,"end":8.88,"sentiment":"positive","sentiment_score":0.3499118983745575},{"text":"How are you?","start":8.88,"end":9.78,"sentiment":"neutral","sentiment_score":0.26499950389067334}],"sentiment":"positive","sentiment_score":0.3710734937340021,"channel":1,"num_words":8,"start":7.68,"end":9.78},{"sentences":[{"text":"Yeah.","start":10.0,"end":10.4,"sentiment":"neutral","sentiment_score":0.2960839867591858},{"text":"Good.","start":10.4,"end":10.9,"sentiment":"positive","sentiment_score":0.569867730140686},{"text":"I had you booked in this morning to go over your annual review.","start":12.16,"end":14.88,"sentiment":"positive","sentiment_score":0.4354850099636958},{"text":"Is now still a good time for you?","start":14.88,"end":17.435001,"sentiment":"positive","sentiment_score":0.4041374661028385}],"sentiment":"positive","sentiment_score":0.42436332935872284,"channel":0,"num_words":23,"start":10.0,"end":17.435001},{"sentences":[{"text":"Yes.","start":16.974998,"end":17.295,"sentiment":"neutral","sentiment_score":0.12310156971216202},{"text":"Yes.","start":17.295,"end":17.615,"sentiment":"neutral","sentiment_score":0.091481015086174},{"text":"I'm just","start":17.615,"end":17.935,"sentiment":"neutral","sentiment_score":0.044227370992302895}],"sentiment":"neutral","sentiment_score":0.07575933169573545,"channel":1,"num_words":4,"start":16.974998,"end":17.935},{"sentences":[{"text":"Yes.","start":17.895,"end":18.395,"sentiment":"neutral","sentiment_score":0.07011936604976654}],"sentiment":"neutral","sentiment_score":0.07011936604976654,"channel":0,"num_words":1,"start":17.895,"end":18.395},{"sentences":[{"text":"eating some toast.","start":17.935,"end":18.735,"sentiment":"neutral","sentiment_score":0.06835251301527023},{"text":"I'm so busy.","start":18.735,"end":19.695,"sentiment":"neutral","sentiment_score":-0.23595695197582245},{"text":"I'm just stuck in my face at the moment, but it's okay.","start":19.695,"end":22.275,"sentiment":"neutral","sentiment_score":-0.1274287335885068}],"sentiment":"neutral","sentiment_score":-0.11288656221909656,"channel":1,"num_words":18,"start":17.935,"end":22.275},{"sentences":[{"text":"That is okay.","start":22.935001,"end":24.315,"sentiment":"neutral","sentiment_score":0.17416049043337503},{"text":"Now what I will do is I will send you an email with some documents.","start":25.975,"end":29.755001,"sentiment":"neutral","sentiment_score":0.14827519406874975}],"sentiment":"neutral","sentiment_score":0.15258941012952063,"channel":0,"num_words":18,"start":22.935001,"end":29.755001},{"sentences":[{"text":"Yep.","start":30.49,"end":30.99,"sentiment":"neutral","sentiment_score":0.1326204240322113}],"sentiment":"neutral","sentiment_score":0.1326204240322113,"channel":1,"num_words":1,"start":30.49,"end":30.99},{"sentences":[{"text":"If you don't have the option of accessing them right now, if you're obviously a bit busy, that's okay.","start":30.91,"end":37.09,"sentiment":"neutral","sentiment_score":0.03236658106509008},{"text":"I can always run through them with you if you don't have any 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you","start":42.91,"end":43.39,"sentiment":"neutral","sentiment_score":0.2682735025882721}],"sentiment":"neutral","sentiment_score":0.2682735025882721,"channel":0,"num_words":2,"start":42.91,"end":43.39},{"sentences":[{"text":"in","start":43.315,"end":43.395,"sentiment":"neutral","sentiment_score":0.2126641869544983}],"sentiment":"neutral","sentiment_score":0.2126641869544983,"channel":1,"num_words":1,"start":43.315,"end":43.395},{"sentences":[{"text":"have.","start":43.39,"end":43.89,"sentiment":"neutral","sentiment_score":0.23215779662132263}],"sentiment":"neutral","sentiment_score":0.23215779662132263,"channel":0,"num_words":1,"start":43.39,"end":43.89},{"sentences":[{"text":"front of me, so that's so 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otherwise,","start":2892.595,"end":2893.2551,"sentiment":"neutral","sentiment_score":0.11059650033712387}],"sentiment":"neutral","sentiment_score":0.10839900103482333,"channel":0,"num_words":11,"start":2890.675,"end":2893.2551},{"sentences":[{"text":"Brilliant.","start":2892.98,"end":2893.48,"sentiment":"positive","sentiment_score":0.4500024020671845}],"sentiment":"positive","sentiment_score":0.4500024020671845,"channel":1,"num_words":1,"start":2892.98,"end":2893.48},{"sentences":[{"text":"if I don't hear for you, I will talk to you next time to review.","start":2893.475,"end":2896.7668,"sentiment":"neutral","sentiment_score":0.15429771691560745}],"sentiment":"neutral","sentiment_score":0.15429771691560745,"channel":0,"num_words":15,"start":2893.475,"end":2896.7668},{"sentences":[{"text":"Absolutely.","start":2896.74,"end":2897.24,"sentiment":"positive","sentiment_score":0.5104398131370544},{"text":"Thanks,","start":2897.46,"end":2897.78,"sentiment":"positive","sentiment_score":0.5958219766616821}],"sentiment":"positive","sentiment_score":0.5531308948993683,"channel":1,"num_words":2,"start":2896.74,"end":2897.78},{"sentences":[{"text":"Yeah.","start":2897.7268,"end":2898.2268,"sentiment":"positive","sentiment_score":0.4762457013130188}],"sentiment":"positive","sentiment_score":0.4762457013130188,"channel":0,"num_words":1,"start":2897.7268,"end":2898.2268},{"sentences":[{"text":"Ronnie.","start":2897.78,"end":2898.18,"sentiment":"positive","sentiment_score":0.5145893692970276},{"text":"Have a great","start":2898.18,"end":2898.9,"sentiment":"positive","sentiment_score":0.6110344330469767}],"sentiment":"positive","sentiment_score":0.5869231671094894,"channel":1,"num_words":4,"start":2897.78,"end":2898.9},{"sentences":[{"text":"Okay.","start":2898.6868,"end":2899.1868,"sentiment":"positive","sentiment_score":0.46542680263519287}],"sentiment":"positive","sentiment_score":0.46542680263519287,"channel":0,"num_words":1,"start":2898.6868,"end":2899.1868},{"sentences":[{"text":"day.","start":2898.9,"end":2899.14,"sentiment":"positive","sentiment_score":0.4481206238269806},{"text":"Okay.","start":2899.14,"end":2899.54,"sentiment":"neutral","sentiment_score":0.32573390007019043},{"text":"Thanks for everything.","start":2899.54,"end":2900.5,"sentiment":"positive","sentiment_score":0.7123336990674337},{"text":"Okay.","start":2900.5,"end":2901.0,"sentiment":"neutral","sentiment_score":0.26629775762557983}],"sentiment":"positive","sentiment_score":0.529525563120842,"channel":1,"num_words":6,"start":2898.9,"end":2901.0},{"sentences":[{"text":"You you too,","start":2900.7668,"end":2901.1667,"sentiment":"neutral","sentiment_score":0.23558282852172852}],"sentiment":"neutral","sentiment_score":0.23558282852172852,"channel":0,"num_words":3,"start":2900.7668,"end":2901.1667},{"sentences":[{"text":"Check","start":2901.06,"end":2901.3,"sentiment":"neutral","sentiment_score":0.16364534199237823}],"sentiment":"neutral","sentiment_score":0.16364534199237823,"channel":1,"num_words":1,"start":2901.06,"end":2901.3},{"sentences":[{"text":"Melissa.","start":2901.1667,"end":2901.6667,"sentiment":"neutral","sentiment_score":0.1277761459350586}],"sentiment":"neutral","sentiment_score":0.1277761459350586,"channel":0,"num_words":1,"start":2901.1667,"end":2901.6667},{"sentences":[{"text":"out.","start":2901.3,"end":2901.8,"sentiment":"neutral","sentiment_score":0.1845257878303528}],"sentiment":"neutral","sentiment_score":0.1845257878303528,"channel":1,"num_words":1,"start":2901.3,"end":2901.8},{"sentences":[{"text":"Bye.","start":2902.127,"end":2902.627,"sentiment":"neutral","sentiment_score":0.1347513496875763}],"sentiment":"neutral","sentiment_score":0.1347513496875763,"channel":0,"num_words":1,"start":2902.127,"end":2902.627},{"sentences":[{"text":"Bye.","start":2902.3398,"end":2902.82,"sentiment":"neutral","sentiment_score":0.11279445886611938},{"text":"Bye.","start":2902.82,"end":2903.32,"sentiment":"neutral","sentiment_score":-0.10916434973478316}],"sentiment":"neutral","sentiment_score":0.001815054565668113,"channel":1,"num_words":2,"start":2902.3398,"end":2903.32}]},"summary":{"result":"success","short":"Representatives from Achieve Financial speak with customers about their annual reviews, financial situation, and retirement plans. They discuss their income, retirement plans, investments, and risk tolerance. The representatives provide information on risk tolerance and recommend staying in a growth portfolio for a longer time. They also provide guidance on signing and managing their insurance policy, including filling out a service agreement and providing a link to sign documents. The process for nominating a beneficiary for a will is explained, and customers are advised to email a copy of the form and fill it out properly."},"intents":{"segments":[{"text":"Now what I will do is I will send you an email with some documents. Yep.","start_word":71,"end_word":86,"intents":[{"intent":"Send document","confidence_score":0.089516595},{"intent":"Send document","confidence_score":0.0046769055}]},{"text":"So what I'll do is I will send this to you now. Mhmm. And just just before I do go any further as well, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's Mhmm.","start_word":137,"end_word":181,"intents":[{"intent":"Communicate with caller","confidence_score":0.00000958547}]},{"text":"And just to confirm I am speaking with the right person, could you just Mhmm. confirm your full name, date of birth, and address for me, please? Sure.","start_word":188,"end_word":215,"intents":[{"intent":"Confirm identity","confidence_score":0.2944805},{"intent":"Confirm identity","confidence_score":0.13253056},{"intent":"Confirm identity","confidence_score":0.16034119}]},{"text":"Now just before I do jump into the annual review, I'd like Mhmm. to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on.","start_word":241,"end_word":283,"intents":[{"intent":"Check focus area","confidence_score":0.00097331736}]},{"text":"I didn't have one last year, I don't think. So I don't know. I just I'm not really sure, to be honest. I haven't had time to really look at all of this. I'm sort of probably relying on you guys to do your stuff, I guess. No. Yes.","start_word":284,"end_word":332,"intents":[{"intent":"Report absence","confidence_score":0.0016920075}]},{"text":"for most people, it's just to have a bit of an update, especially if it has been a little bit since we did a bit of an under review. It's just to kinda Mhmm. give a bit of an overview of, you know, what's happened, Yes.","start_word":396,"end_word":441,"intents":[{"intent":"Update information","confidence_score":0.2832582}]},{"text":"to work in corporate, and then during COVID, a lot of different things happened, and I just retrained. Yep.","start_word":710,"end_word":728,"intents":[{"intent":"Retrained","confidence_score":0.5176981},{"intent":"Work in corporate","confidence_score":0.5082204},{"intent":"Work in corporate","confidence_score":0.035437655},{"intent":"Work in the industry","confidence_score":0.023708412},{"intent":"Report covid effects","confidence_score":0.00029959646}]},{"text":"do you have a a couple of clients that you work with now? Yeah.","start_word":980,"end_word":993,"intents":[{"intent":"Work with clients","confidence_score":0.10923175}]},{"text":"I write all the invoicing, the service agreements, all that kind of stuff, and she just basically shouldn't be working there.","start_word":1050,"end_word":1070,"intents":[{"intent":"Write invoicing","confidence_score":0.40152848}]},{"text":"You gotta you gotta you gotta prioritize, you know, different things that time.","start_word":1280,"end_word":1292,"intents":[{"intent":"Prioritize tasks","confidence_score":0.08961557}]},{"text":"do you know roughly what your income would be?","start_word":1831,"end_word":1839,"intents":[{"intent":"Organize income","confidence_score":0.0000058139726}]},{"text":"Probably, I'm only making about 1,200 a week at the moment. I think last week, I did about 1,400, but I need to be making 2,000 for me to actually have a life Mhmm. and Mhmm. be able to save and pay my rent and pay your bills. Everything. Yes. Yeah.","start_word":1867,"end_word":1917,"intents":[{"intent":"Arrange retirement","confidence_score":0.0010313247}]},{"text":"And with the the contributions as well, do you Mhmm. make them straight into your net worth account as well, or do you have them, like, sitting for But it's a just one it's just once a year that I tend to do that. I tend to do that just before tax. I mean, I should really put it in while? quarterly or something because at least it'll work for me. But then also, Yes.","start_word":2198,"end_word":2272,"intents":[{"intent":"Streamline contributions","confidence_score":0.0004952898}]},{"text":"And with your investments, actually, while we are talking about it, did you see the email about the investments which that we made for you? Yeah.","start_word":2547,"end_word":2572,"intents":[{"intent":"Understand investment process","confidence_score":0.011375573}]},{"text":"I actually, don't have while to we approve that, do I, or anything? I wasn't sure.","start_word":2582,"end_word":2597,"intents":[{"intent":"Approve investment","confidence_score":0.04018608}]},{"text":"So while we are talking yep. about it, actually, I might get you to access your emails if you can. Yep.","start_word":2615,"end_word":2635,"intents":[{"intent":"Access documents","confidence_score":0.20913519}]},{"text":"That one here will show you your portfolio. Like you said, as well, there has been a lot of fluctuations in the last Yep. twelve months, which Yep. is reflected on it. So I'm just waiting for this one to come up here. And this one here, it shows you the portfolio over the last twelve months Yes.","start_word":2726,"end_word":2783,"intents":[{"intent":"Provide portfolio information","confidence_score":0.00997496}]},{"text":"But you can see that the market has been quite fluctuating. So you can see, for example, your gold investment that was up Mhmm. 49.95%, which is crazy. Yep.","start_word":2866,"end_word":2894,"intents":[{"intent":"Discuss market changes","confidence_score":0.004650362}]},{"text":"So we swapped Yep. that one for another Australian equity. So swapping one for another one, still Okay.","start_word":3245,"end_word":3262,"intents":[{"intent":"Swap portfolio","confidence_score":0.026512902}]},{"text":"So we just swapped it for the a 200, and that one essentially tracks the 200 largest companies listed on the ASX in Australia. Uh-huh.","start_word":3271,"end_word":3295,"intents":[{"intent":"Track companies","confidence_score":0.10710058}]},{"text":"So by doing the switch as well, it has actually reduced the investment fees a little bit. It is a little bit of a cheaper investment, which Mhmm. is good, And then it has also performed a lot better historically than Zenelog. So Yes.","start_word":3299,"end_word":3342,"intents":[{"intent":"Reduce investment fees","confidence_score":0.48356023}]},{"text":"And then also as you kind of see that the most of the other investments are doing reasonable considering what is going on in the market. Yeah.","start_word":3377,"end_word":3403,"intents":[{"intent":"Understand market","confidence_score":0.010186313}]},{"text":"So like I said, the cybersecurity, I'm seeing a bit of fluctuations in the market. There are a lot of Mhmm. opportunities in this space, obviously, with AI and technology and everything. Yeah.","start_word":3498,"end_word":3530,"intents":[{"intent":"Assess cybersecurity opportunities","confidence_score":0.011416709}]},{"text":"Because we're the highest producer of lithium, aren't we, in the world, I think, Australia. We're Yeah.","start_word":3554,"end_word":3570,"intents":[{"intent":"Identify lithium producer","confidence_score":0.1745327}]},{"text":"overall, the portfolio has done okay considering what is going on. Yes.","start_word":3600,"end_word":3611,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.03601113}]},{"text":"Now while I try to get these documents for you, are you still comfortable with your growth portfolio, or how do you feel about, you know, fluctuations and markets at risk and everything at the moment?","start_word":3950,"end_word":3985,"intents":[{"intent":"Create portfolio documents","confidence_score":0.0015794362}]},{"text":"And it breaks down the different asset classes and how things have kind of gone. And if you do look at it, you can see that the biggest drops in the market are Yep. quite closely followed by then big increases. Yep.","start_word":4624,"end_word":4665,"intents":[{"intent":"Analyze asset prices","confidence_score":0.00055580033}]},{"text":"even though in the last twelve months, despite Benelon, your portfolio has still gone up. So you haven't lost any money when we're looking at a twelve month period. It's still gone Okay.","start_word":4671,"end_word":4703,"intents":[{"intent":"Evaluate portfolio growth","confidence_score":0.0043756957}]},{"text":"So these are the one that grows the most, which is obviously we're trying to maximize that growth for you so that you Yeah.","start_word":5432,"end_word":5455,"intents":[{"intent":"Maximize growth","confidence_score":0.86555874}]},{"text":"explore your superannuation and wanna make sure it works as hard as it can, Yep.","start_word":5569,"end_word":5583,"intents":[{"intent":"Explore superannuation","confidence_score":0.14943664}]},{"text":"I think, yeah, I think it's a good kind of in between where you are right now. Well okay. And then, also, you know, the closer you get to retirement, we might wanna then start looking at reducing that a little bit and get Yes.","start_word":5744,"end_word":5788,"intents":[{"intent":"Check retirement status","confidence_score":0.00015610924}]},{"text":"And then, also, you know, the closer you get to retirement, we might wanna then start looking at reducing that a little bit and get Yes.","start_word":5762,"end_word":5787,"intents":[{"intent":"Reduce debt","confidence_score":0.14119281}]},{"text":"Before the interim, I do think that growth from what you are saying, what your time Mhmm. frame Mhmm. is suitable for you. As long as Excellent. you, yeah, are okay seeing a little bit of fluctuations in the short Yep. term to make sure that it continues to grow. Yep.","start_word":5819,"end_word":5869,"intents":[{"intent":"Discuss growth","confidence_score":0.38565075}]},{"text":"we can always book you in for a catch up. Even if it's not, like, the full interview, if it's just, like, Mhmm. a quarterly catch up or something, Yep. if you wanna talk about it, Yeah. you're always more than welcome to do so. Okay. Thank you. Yes.","start_word":5937,"end_word":5985,"intents":[{"intent":"Book catch up","confidence_score":0.4338886}]},{"text":"I just wanted to ask with the Vanguard index chart at the bottom, it's got the average weekly earnings. Is that is that how much people were making each week back then?","start_word":6018,"end_word":6049,"intents":[{"intent":"Understand income","confidence_score":0.0011562506},{"intent":"Determine average weekly earnings","confidence_score":0.015335012}]},{"text":"At the So, moment obviously, mhmm. back back in 1995, 639 a week would give you quite far. And Yeah. then, obviously, now the average weekly earning is about 1,974. And is that before tax or after tax?","start_word":6097,"end_word":6134,"intents":[{"intent":"Educate about tax and earnings range","confidence_score":0.000012472863}]},{"text":"I got it fixed. No.","start_word":7088,"end_word":7092,"intents":[{"intent":"Fix issue","confidence_score":0.015608156}]},{"text":"It was advised, please, consent. Yep. I'm on to Yep. that one. Yep. Yep. So this one is the the ongoing service agreement. And that is just Yep. to That's say that the sign you are in happy that. Yep.","start_word":7171,"end_word":7210,"intents":[{"intent":"Ensure agreement agreement","confidence_score":0.00085305324}]},{"text":"So this one is the the ongoing service agreement. And that is just Yep.","start_word":7185,"end_word":7198,"intents":[{"intent":"Notify new service agreement","confidence_score":0.000021216463}]},{"text":"So this one is the the ongoing service agreement. And that is just Yep. to That's say that the sign you are in happy that. Yep. exactly.","start_word":7185,"end_word":7211,"intents":[{"intent":"Confirm service agreement agreement","confidence_score":0.07869855}]},{"text":"What kind of insurance would that be?","start_word":7763,"end_word":7769,"intents":[{"intent":"Clarify requirements for insurance","confidence_score":0.000003576352}]},{"text":"the process would be that we would I would book you in for a pre assessment. What that would do is multiple choice questions just to get an in-depth understanding of your health, your lifestyle, and your occupation. Mhmm.","start_word":7878,"end_word":7916,"intents":[{"intent":"Book pre assessment","confidence_score":0.57448727}]},{"text":"then I'll be able to get quotes. So it Okay.","start_word":7937,"end_word":7946,"intents":[{"intent":"Get quotes","confidence_score":0.16843583}]},{"text":"I think I had a few quotes, and I was like, oh, no. I'll just kinda know what I'll do, Yeah.","start_word":8232,"end_word":8252,"intents":[{"intent":"Review quotes","confidence_score":0.001828657}]},{"text":"but I'm not paying that because, you know, you just don't know. And it's just you gotta pay your rent.","start_word":8253,"end_word":8272,"intents":[{"intent":"Pay rent","confidence_score":0.016779607}]},{"text":"But, yeah, we can always we can always have a look at it if you want to, but, yes, obviously, the older Yeah.","start_word":8329,"end_word":8351,"intents":[{"intent":"Look at something","confidence_score":0.00005837283}]},{"text":"And that is just your beneficiary form. So on hub twenty sorry.","start_word":8424,"end_word":8435,"intents":[{"intent":"Check beneficiary form","confidence_score":0.5942362}]},{"text":"Yes.","start_word":8453,"end_word":8453,"intents":[{"intent":"Confirm nomination","confidence_score":0.010013456}]},{"text":"That's Yeah.","start_word":8573,"end_word":8574,"intents":[{"intent":"Address misunderstandings","confidence_score":0.000006977469}]},{"text":"The good thing is you can still give it to her. We would just Okay. have to change the way that it is. So, Okay. yeah, so you can still very much give it because I we have so many clients who give that Yeah. to, you know, brothers and sisters and nephews and nieces or Yeah. friends.","start_word":8584,"end_word":8641,"intents":[{"intent":"Verify recipient","confidence_score":4.8794493e-7}]},{"text":"We would just Okay. have to change the way that it is. So, Okay.","start_word":8595,"end_word":8608,"intents":[{"intent":"Change will","confidence_score":0.06307888}]},{"text":"The only way that we would have to change it is Yep. that on the beneficiary form, Yep. we would have to change it to say a legal personal representative. Yep.","start_word":8654,"end_word":8684,"intents":[{"intent":"Change beneficiary form","confidence_score":0.2977438}]},{"text":"So, obviously, the most comprehensive way is to go through a lawyer. Yep.","start_word":8737,"end_word":8749,"intents":[{"intent":"Provide lawyer assistance","confidence_score":0.00703947}]},{"text":"So, obviously, the most comprehensive way is to go through a lawyer. Yep. Mhmm.","start_word":8737,"end_word":8750,"intents":[{"intent":"Require attorney's request and instructions","confidence_score":5.4750943e-11}]}]},"sentiments":{"segments":[{"text":"Hi, Michelle.","start_word":0,"end_word":1,"sentiment":"neutral","sentiment_score":0.17969520390033722},{"text":"Good morning, Melissa. This is Veronica from Achieve Financial.","start_word":2,"end_word":10,"sentiment":"positive","sentiment_score":0.3990671336650848},{"text":"How are you?","start_word":11,"end_word":13,"sentiment":"neutral","sentiment_score":0.30196434259414673},{"text":"Oh, I'm good, Veronica. Hi.","start_word":14,"end_word":18,"sentiment":"positive","sentiment_score":0.44246143102645874},{"text":"How are you? Yeah.","start_word":19,"end_word":22,"sentiment":"neutral","sentiment_score":0.2716655731201172},{"text":"Good. I had you booked in this morning to go over your annual review. Is now still a good time for you?","start_word":23,"end_word":44,"sentiment":"positive","sentiment_score":0.428605854511261},{"text":"Yes. Yes. I'm just Yes. eating some toast. I'm so busy. I'm just stuck in my face at the moment, but it's okay. That is okay. Now what I will do is I will send you an email with some documents. Yep. If you don't have the option of accessing them right now, if you're obviously a bit busy, that's okay. I can always run through them with you if you don't have any questions Yeah. I've got my laptop when you in have.","start_word":45,"end_word":128,"sentiment":"neutral","sentiment_score":0.06623610109090805},{"text":"front of me, so that's so good. Perfect.","start_word":129,"end_word":136,"sentiment":"positive","sentiment_score":0.5334070324897766},{"text":"So what I'll do is I will send this to you now. Mhmm. And just just before I do go any further as well, I do need to let you know that our calls are being recorded for quality and coaching purposes, if that's Mhmm. Yep. okay. That's fine. Yep. Perfect. And just to confirm I am speaking with the right person, could you just Mhmm. confirm your full name, date of birth, and address for me, please? Sure. It's here on 09/04/1968, and it's Unit 544 Ford Avenue, Cots Point, New South Wales 2011. Yep.","start_word":137,"end_word":232,"sentiment":"neutral","sentiment_score":0.08172252029180527},{"text":"Perfect. That's exactly what I have here. Great.","start_word":233,"end_word":240,"sentiment":"positive","sentiment_score":0.5369909405708313},{"text":"Now just before I do jump into the annual review, I'd like Mhmm. to start by asking if there is anything specific that you are hoping to get out of the review today or any areas you would like me to focus on. I didn't have one last year, I don't think. So I don't know. I just I'm not really sure, to be honest. I haven't had time to really look at all of this. I'm sort of probably relying on you guys to do your stuff, I guess. No. Yes. And that is perfectly fine. The reason Yeah. I do ask is sometimes there are specific questions that you may have thought of that you wanna do, and then I can focus a bit more on it. Yeah. But most Yeah. people are quite similar to you. They're just like, oh, maybe as we go through things, there might be questions. Or Yep. for most people, it's just to have a bit of an update, especially if it has been a little bit since we did a bit of an under review. It's just to kinda Mhmm. give a bit of an overview of, you know, what's happened, Yes.","start_word":241,"end_word":441,"sentiment":"neutral","sentiment_score":0.011523616254626222},{"text":"which is perfectly Mhmm.","start_word":442,"end_word":445,"sentiment":"positive","sentiment_score":0.4692449867725372},{"text":"fine. Now just before I jump into the documents and run through that review, I do like to just run through just Yes. a bit of an updated fact find with you first just to make sure if there's anything that has changed in your life that might need us to potentially Mhmm. change or also be advised at all. So just bear with me as I go through this information. Yep. Just. Now I do have you down here the personal information. I have you down here as single with no financial dependent. Is that correct? That's correct. Yep. Perfect. Now next up, can I have your sister Jody nominated? Is that still the Yes. case? Yep. Yep. Perfect. And I have phone number ending in 639. Do you know if it's changed or would be the I same? think it'll be the same for her. Yeah. I'd Yep. actually already Perfect. changed it. Yeah. Perfect. Now occupation wise, I have you down here as a social worker. Is that still the case? I'm doing disability support work. Perfect. Affiliate. Yeah. And are you still working for yourself, or is I it am. yeah. Yeah. And are you enjoying it? Yeah. I am. Yeah. It's been quite quite a lot of challenges. A lot of challenges, like, about a year ago, but Yeah. I'm sort of getting back back on my feet again. So Yeah. Perfect. And have you been doing yeah. it for long? About five maybe six years, actually. Five and a half years. Yeah. Because I Oh, used yeah. to work in corporate, and then during COVID, a lot of different things happened, and I just retrained. Yep. And, yeah, and with this particular role, you know, you're not really affected by COVID, so you can still work, which is Yes.","start_word":446,"end_word":750,"sentiment":"neutral","sentiment_score":0.06446852552109077},{"text":"good. Still essential.","start_word":751,"end_word":753,"sentiment":"positive","sentiment_score":0.4129704535007477},{"text":"Yeah. That's right. I should have done nursing, but, anyway yeah. And the at least being self employed would have, obviously, benefits and I'm sure we struggle times as well, but at least you can kind of choose a little bit yourself at times with hours and stuff. Yeah. That's the thing.","start_word":754,"end_word":805,"sentiment":"neutral","sentiment_score":0.07587581127882004},{"text":"It is really tough because I had the same girls for three and a half years. I had two girls with schizophrenia, and and, like, a few things happened, and I ended up losing them, which is really sad. And it had nothing to do with me. It was a colleague I was working with, and it was just it was just really awful because I was making really good money.","start_word":806,"end_word":876,"sentiment":"negative","sentiment_score":-0.49374455213546753},{"text":"And I was as a single woman, I was finally able to sorta get ahead and maybe buy Yeah. something and, you know, and then that just went crumbling down, and that really Yeah. affected me.","start_word":877,"end_word":912,"sentiment":"neutral","sentiment_score":-0.2571663558483124},{"text":"So that didn't really work much for six months because I was just so sad about how everything happened, and it was really Yeah. unfair and injustice.","start_word":913,"end_word":939,"sentiment":"negative","sentiment_score":-0.4221164584159851},{"text":"Yeah. There's a lot of people Yeah. working in this Yeah. industry that shouldn't be in the industry. Yeah. That was really upsetting. But yeah. But now I'm sort of, yeah, getting back on my feet again. So And yeah. do you have a a couple of clients that you work with now? Yeah. Yeah. Because I was sort of I was with an agency, and then the support workers were like, you know, you're really good, Melissa. We wanna work directly with you. Yeah. So they ended up working directly with these other girls. And then there was another girl I helped out, and I did everything for her. I write all the invoicing, the service agreements, all that kind of stuff, and she just basically shouldn't be working there.","start_word":940,"end_word":1070,"sentiment":"neutral","sentiment_score":-0.1009812355041504},{"text":"And that she's the reason why everything kinda fell apart, Oh, and she's still there. that's not good. It's Yeah. it's not good at all. You know, I was doing all the medical stuff. I was doing everything, and it was just yeah. It's just really horrible how it worked out. It's just absolutely unbelievable. I can't much left the industry because of it because it's just really, No. really Oh, unfair.","start_word":1071,"end_word":1142,"sentiment":"negative","sentiment_score":-0.4899573475122452},{"text":"wow. Yeah. So, anyway yeah. So now I put myself on Mable. So now I've got about five clients here, Mable. And, also, this one of the support coordinators I was working with, she could she could see exactly what was going on, but there's nothing she could do. But now I'm looking after Yeah. her auntie.","start_word":1143,"end_word":1199,"sentiment":"neutral","sentiment_score":0.016977893188595772},{"text":"Oh, So that's great.","start_word":1200,"end_word":1203,"sentiment":"positive","sentiment_score":0.444587767124176},{"text":"so yeah. Yeah. So I've still got some good contacts there, and, unfortunately, you know, what it's what it is. And, yeah, but I took, you know, about six months off, and then I had a trip to Italy because I had that planned, and I wasn't gonna go. And I thought, I don't care.","start_word":1204,"end_word":1258,"sentiment":"neutral","sentiment_score":-0.05376029387116432},{"text":"I'm not putting any money in my super this year.","start_word":1259,"end_word":1268,"sentiment":"negative","sentiment_score":-0.35836145281791687},{"text":"I'm just gonna go Yep. because I Yeah. just need it. You gotta you gotta you gotta prioritize, you know, different things that time. That's that's Exactly. fine. You know? And I came back and I was like, okay. Right. And I'm ready to tackle words again. Yeah. Oh, that's good. And sometimes you do Yeah. need a bit of a break, especially if it's been a lot and, you know, there are changes. You do need a bit of a break Yeah. before you can kinda get back into it and If reset I could focus. again. Yeah. Absolutely. Yeah.","start_word":1269,"end_word":1369,"sentiment":"neutral","sentiment_score":0.016718050464987755},{"text":"Oh, that's good.","start_word":1370,"end_word":1372,"sentiment":"positive","sentiment_score":0.3536003530025482},{"text":"And do you have any other holidays kind of planned or not Not really really. at Not the with moment? everything that's going on at the moment. I think I just wanna sort of I sort of I'm back to working, you know, good hours again. But Yeah. when I was working with the girls, I was doing four sleepovers at night, and I was Oh, doing wow. week week weekend work. So I was making really good money, but now it's just Monday Yeah. to Friday, and and it's hard. You know? Like, my rent's Yeah.","start_word":1373,"end_word":1469,"sentiment":"neutral","sentiment_score":-0.02071606928540259},{"text":"expensive.","start_word":1470,"end_word":1470,"sentiment":"negative","sentiment_score":-0.33606886863708496},{"text":"My rent's, like, 7 nearly 700 a week, and that's Yeah. just my rent. Yeah. And so I need to get some more weekend work or do some sleepovers to try and, you know, bump up my pay Right. so Yeah. so I can actually save something. But, anyway, Yeah. we'll get there.","start_word":1471,"end_word":1523,"sentiment":"neutral","sentiment_score":-0.07806173712015152},{"text":"At least at least you're working through it and now you have some good clients, and, hopefully, Yep.","start_word":1524,"end_word":1541,"sentiment":"positive","sentiment_score":0.4680097103118897},{"text":"you'll be able to some, you know, some, you know, evening and Yeah. overnight days as well for you. Yeah. And how many hours would you say? Obviously, you said Monday to Friday. Is it, Yep. like, around the thirty eight hours? Or It sort of it varies. It could be because last week, I did 45, but mhmm. one of my colleagues was in hospital, and they asked me to do some mixed trials on the weekend. But with these Yep. two clients, I just get paid normal because it's aged care. So Yep. and, you know, they've only got so much funding. It's like, you know, it's better than nothing. I'll Yes. I'll come and do, you know, whatever you pay me Monday to Friday.","start_word":1542,"end_word":1668,"sentiment":"neutral","sentiment_score":0.10801564902067184},{"text":"And I really like Mhmm. one of them I certainly adore, so it's used across Yeah. the road, so it's just easy as well.","start_word":1669,"end_word":1692,"sentiment":"positive","sentiment_score":0.4906589090824127},{"text":"Yep. You don't have to pay for transport or anything like that.","start_word":1693,"end_word":1704,"sentiment":"neutral","sentiment_score":0.2956974506378174},{"text":"And so I'm happy to do that with Yeah.","start_word":1705,"end_word":1713,"sentiment":"positive","sentiment_score":0.5776974558830261},{"text":"her. But but, yeah, it could be anything from 35 to 45. And sometimes I pick up some work on the weekends, which I've been trying to do as well. I've looked after three different people who've who've been interstate in Sydney for the weekend. Yeah.","start_word":1714,"end_word":1759,"sentiment":"neutral","sentiment_score":0.16578809916973114},{"text":"So so that's really good.","start_word":1760,"end_word":1764,"sentiment":"positive","sentiment_score":0.6565296053886414},{"text":"So when they eventually you know, I've always got my eye open to see, you know, Yeah. whatever little things you can do with one offs just to help you bump, you know, bump up Yeah. my pay Definitely. so I can survive.","start_word":1765,"end_word":1807,"sentiment":"neutral","sentiment_score":0.1256677210330963},{"text":"Yeah. Oh, that's good.","start_word":1808,"end_word":1811,"sentiment":"positive","sentiment_score":0.5578750967979431},{"text":"Well, listings Yeah.","start_word":1812,"end_word":1814,"sentiment":"neutral","sentiment_score":0.25919008255004883},{"text":"are, you know, kind of back on track for you now.","start_word":1815,"end_word":1825,"sentiment":"positive","sentiment_score":0.44645625352859497},{"text":"And Yeah. and That's right. do you know roughly what your income would be? Obviously, I know that it can fluctuate with doing after hours and e like, Yeah. overnight stays, but do you know roughly what you would be on? Probably, I'm only making about 1,200 a week at the moment. I think last week, I did about 1,400, but I need to be making 2,000 for me to actually have a life Mhmm. and Mhmm. be able to save and pay my rent and pay your bills. Everything. Yes. Yeah. So I'm sort of working on that at the moment. But Yep. And is that 1,200 yeah. after tax or Yep. before tax? Yeah. That's in my hand after I've paid. That's Oh, yeah. the thing. Like, you think you've made really good money. And then by the time so I've just got over the threshold now, so I'm paying 30% because I didn't work much last year. So you think you're making really well you know, you're not yeah. Everything's okay. Yeah. Then you take out Yeah. your tax. You take it at the Medicare levy, and then you take out your super, and that's almost half your pay gone. Yes. Literally. Definitely does that. And with your arrangement at the moment, Mhmm. do you pay yourself superannuation, or is that kind of part of the contract? Or how I does just that pay work? myself. I just usually have a separate bank account. So, like, once a week, I'll just go through and I'll put all my tax. I'll put my Medicare levy, and I'll put my super into a separate account, and I don't touch that account. And Yeah. then I might Perfect.","start_word":1826,"end_word":2113,"sentiment":"neutral","sentiment_score":0.04946412518620491},{"text":"then I'm actually in interest on that account as well.","start_word":2114,"end_word":2123,"sentiment":"positive","sentiment_score":0.33977869153022766},{"text":"So I try not to touch that unless I have to. Yep. Okay. Yep. So when I was making good money before, I always had $10,000 in another account, and then I had all that in another account, but I don't have the spare 10,000 anymore. Like, I Yes. like, I used to just to sort of play with, you Yes. know, for emergencies and stuff. So yeah. Just stay out of it all. And with the the contributions as well, do you Mhmm. make them straight into your net worth account as well, or do you have them, like, sitting for But it's a just one it's just once a year that I tend to do that. I tend to do that just before tax. I mean, I should really put it in while? quarterly or something because at least it'll work for me. But then also, Yes. with Yeah. Super at the moment, it's all over the place. Like, I was 2000 and 02/17000, now I'm down to 204. Like, it's just you know? And part of me doesn't wanna put money in Super at the moment because I just feel like it's so vulnerable. That yeah. And it has been the last twelve months, there's been a lot of fluctuations in the world and, obviously, everything going over in The US, and then, obviously, the Trump and the tariffs, there Yeah. was a lot Yeah. of fluctuations. That's what I know. This is Trump and the tariffs. Yeah. I think I put I put, like, not last year, the report I put 27,000 chunk in because that reduced my revenue, so it took me down to the the previous Yep. tax rate. And then I lost it all virtually Yeah. when Trump paid me, but then I got some of it back again. But Yeah. yeah, so it's Yes.","start_word":2124,"end_word":2435,"sentiment":"neutral","sentiment_score":-0.01740465685725212},{"text":"just really frustrating. I thought, oh my god. I've worked so hard for that, and then you just lose it.","start_word":2436,"end_word":2455,"sentiment":"negative","sentiment_score":-0.5500423908233643},{"text":"Yeah. It is it is, especially when there are a lot of fluctuations. And, you know, sometimes as well, it's like, well, you can look at it.","start_word":2456,"end_word":2482,"sentiment":"neutral","sentiment_score":-0.061904679983854294},{"text":"Well, while the prices are down, it might be a good buying opportunity as well because you Yeah.","start_word":2483,"end_word":2500,"sentiment":"positive","sentiment_score":0.3448011875152588},{"text":"can Yeah. for it. So it Yeah. is that kind of like, it's sometimes hard Yeah. because you are down. So you might not want to, but then sometimes it can be good as well if it's good investment. That's right. Yeah. Sorry. Very much sorry. And with your investments, actually, while we are talking about it, did you see the email about the investments which that we made for you? Yeah. I think it was Yeah. yeah.","start_word":2501,"end_word":2578,"sentiment":"neutral","sentiment_score":0.1190761849284172},{"text":"Perfect.","start_word":2579,"end_word":2579,"sentiment":"positive","sentiment_score":0.48553603887557983},{"text":"So, Yep. I actually, don't have while to we approve that, do I, or anything? I wasn't sure. So I kinda read it really quickly, but but yeah. I No. No need to sign it. So while we are talking yep. about it, actually, I might get you to access your emails if you can. Yep. And then before you click on the link so when you click on the link, it will get you to sign the documents. But before I get I'll ask you to do that is if you can actually see the attachment. Now you should see one where it says asset performance. Yeah. Can you Let me just that one see. okay? Yeah. Where are we? Services guide, financial services guide, month net worth That I r yes. r. That one? Yep. Yeah. Monthly That one. as well. Yeah. Yep. Sorry. That one here will show you your portfolio. Like you said, as well, there has been a lot of fluctuations in the last Yep. twelve months, which Yep. is reflected on it. So I'm just waiting for this one to come up here. And this one here, it shows you the portfolio over the last twelve months Yes. after all fees. So Mhmm. as as you have a look at it, it can look a bit messy, but it breaks down all your all your investments and how they have performed. Yes. And when you have a look at it, so you can see the opening value, the close value, and then you can see the return. So the return percentage column, which is the second Mhmm. one to the right. Can you see Yep. that one? Yep. Yep. Yeah. But you can see that the market has been quite fluctuating. So you can see, for example, your gold investment that was up Mhmm. 49.95%, which is crazy. Yep. You can then see that Benelong investment that was down 18. This Mhmm. is the Yep. one we swapped You out you you for you. swapped over. Yep. Exactly. So this one has been swapped.","start_word":2580,"end_word":2929,"sentiment":"neutral","sentiment_score":0.04715064634169851},{"text":"It was originally added to your portfolio because it was doing really well.","start_word":2930,"end_word":2942,"sentiment":"positive","sentiment_score":0.3860968351364136},{"text":"The purpose behind it was to have your active component. So that Mhmm. is Mhmm. a active manager, and they were kind of trying to actively buy and sell different investment in order to try to outperform the market.","start_word":2943,"end_word":2981,"sentiment":"neutral","sentiment_score":0.1589738130569458},{"text":"And they had been quite success successful, which is why it was added to your portfolio.","start_word":2982,"end_word":2997,"sentiment":"positive","sentiment_score":0.36654019355773926},{"text":"They were Mhmm. one of Mhmm. the best performing Mhmm. fund managers at the time. More recently, they have underperformed. But Okay. we've done a lot of invest a lot of research into the investment. Mhmm. Some of it was the fund manager itself. They've kind of made some convictions to different investments that just haven't played out. But also Mhmm. one of the investments that they had in their portfolio was the corporate travel group. I'm not sure if you heard about it, but there was a bit of issues with their reporting, which actually meant that they were suspended from trading. So because Oh, of okay. that, yeah, sorry. It wasn't them per se, but one of their holdings that did it.","start_word":2998,"end_word":3121,"sentiment":"neutral","sentiment_score":-0.04964642599225044},{"text":"That caused everything to kind of fall down as well.","start_word":3122,"end_word":3131,"sentiment":"negative","sentiment_score":-0.4340850412845611},{"text":"So, obviously, Oh, no. having yeah. So having a bit of, you know, more, like, in-depth research into the Benelon, sometimes when things are down, if it is more like you're cyclical, sorry, what's going Mhmm. on in the market. So Yep. the cybersecurity, for example, is one of them where it's a bit more what is going on in the market right now. There's not really Mhmm.","start_word":3132,"end_word":3199,"sentiment":"neutral","sentiment_score":-0.18640317022800448},{"text":"structural changes.","start_word":3200,"end_word":3201,"sentiment":"negative","sentiment_score":-0.3335588574409485},{"text":"Mhmm.","start_word":3202,"end_word":3202,"sentiment":"neutral","sentiment_score":-0.19098316133022308},{"text":"Then along, we feel wasn't going to improve very much or Yep. not enough to warrant staying in it.","start_word":3203,"end_word":3221,"sentiment":"negative","sentiment_score":-0.4095864044992547},{"text":"So that's why we wanted to change it. Now with your portfolio, we obviously wanna keep the the structure and everything like that. So we swapped Yep. that one for another Australian equity. So swapping one for another one, still Okay. focusing on investing in the Australian equity component. So we just swapped it for the a 200, and that one essentially tracks the 200 largest companies listed on the ASX in Australia. Uh-huh. I can. Yeah.","start_word":3222,"end_word":3298,"sentiment":"neutral","sentiment_score":0.05759619176387787},{"text":"So by doing the switch as well, it has actually reduced the investment fees a little bit. It is a little bit of a cheaper investment, which Mhmm. is good, And then it has also performed a lot better historically than Zenelog. So Yes. that was the change that we made. So we do think that, obviously, that's going to make more of a difference to your portfolio for the next twelve months, Okay. which which is good.","start_word":3299,"end_word":3376,"sentiment":"positive","sentiment_score":0.5737411379814148},{"text":"And then also as you kind of see that the most of the other investments are doing reasonable considering what is going on in the market. Yeah. You can Yeah. even I know. see, It's you hard know at the moment. Yeah. yeah. So you can even see your beta shares one. That one's up 24%. Yep. You can also see, like, the bank hybrid. That's one more of your defensive investments. So that kind Mhmm. of been added through limit fluctuations a little bit, which means that it won't tend to grow as much because it's one of those defensive. That Mhmm. five, the one under it, again, is your another defensive investment. And then you have the international equity. So like I said, the cybersecurity, I'm seeing a bit of fluctuations in the market. There are a lot of Mhmm. opportunities in this space, obviously, with AI and technology and everything. Yeah. So there are opportunities. And then you can even see the Better Tech and Lithium that's gone up 67%, which is crazy. Yeah. Because we're the highest producer of lithium, aren't we, in the world, I think, Australia. We're Yeah. we're, One yeah, we're one the of highest them. producer of it. Yeah. Yeah. So that one has kind of gone crazy the last twelve months. Yeah. So Yeah.","start_word":3377,"end_word":3599,"sentiment":"neutral","sentiment_score":0.10306845120918592},{"text":"overall, the portfolio has done okay considering what is going on.","start_word":3600,"end_word":3610,"sentiment":"positive","sentiment_score":0.5336951017379761},{"text":"Yes. If we if you scroll on the next page, you will actually see the total portfolio. So in the same report Yes. where it says total portfolio net of fees. Now this still tells us that even though including Benelon, which we have changed for you, Yes. the last twelve months, your portfolio after fees have still gone up by 9.35%, and that is Oh, despite okay. everything going on.","start_word":3611,"end_word":3681,"sentiment":"neutral","sentiment_score":0.0853889212012291},{"text":"So it still has done pretty good when we're Yeah.","start_word":3682,"end_word":3691,"sentiment":"positive","sentiment_score":0.46526649594306946},{"text":"looking at what your twelve month period. Okay. So what what what's a really good percentage, like, if if it's a normal year without war and and Donald Trump? Yeah. It it is kind of when we let me have a look through because when we are looking at your growth portfolio, which It must we are have been like in the previous couple of previous years. Yeah. Because it's yeah. a compare. Let me let me get that up for you. And I have let me just get the the research So that would report be so for that would you. be 2025. It went up 9.35%. So Yep. between the 03/17/2025 until the March 16 Mhmm. 2020 Okay. six. Yeah. So just that twelve month period. Yep. Yep. But but just bear with me as I through. Trying to see Yeah. if I can Just so find I can this just see document. some comparison because I know Yeah. it sounds awful, but it'd be interesting to know it was like a few years ago when we didn't Yeah. have what was going on now. Yes. But then, obviously, you had COVID, and that's been Yeah. been Yeah. a little bit like that. So let me have Yeah. a look for you. The COVID was about five years ago, so if we go back maybe two and a half. Yeah. Yes. And I know it's still it's been still recovering after COVID too. Exactly. Now let me see here. So you're in the growth portfolio. Now while I try to get these documents for you, are you still comfortable with your growth portfolio, or how do you feel about, you know, fluctuations and markets at risk and everything at the moment? I guess I am a bit worried about it because I don't think I'll be retiring at 65 or whatever age that is. I think Yeah.","start_word":3692,"end_word":4010,"sentiment":"neutral","sentiment_score":-0.016517271438093863},{"text":"that's actually possible.","start_word":4011,"end_word":4013,"sentiment":"positive","sentiment_score":0.4041659832000733},{"text":"You And I you know can you sort of been sorry. you can technically access your super at 60 if you retire. Yeah. Well, I think I'll be doing that. So Yeah. Do you think more around the 67, or or what do you think? I really don't know. It just depends Yeah. what the next, because I'm 57 now, but I forgot, like, another ten years, I think. But I need to have a lot more in my super and yeah. To see. Because Yeah. yeah. To see yeah. What's I going just need on? yeah. I need to find some. So so I've gotta make about 2,000 a week. I've gotta have it in the hand if I wanna actually, you know, have a life and and save money, which is really hard to do. Like, I don't even know what people make these these days. Yeah. Just make it bit of a so I have found a report here for you for your portfolio. So I do have a three year, which is probably more similar to what you were thinking, and that is a three year rolling average. So that is kind of using Yes. three years and then Mhmm. averaging it out, which is probably most of what we are thinking. Your portfolio is about 13.87 when we are using three years. Yeah. Okay. So, I called. Yes. yeah, so some years, it would have been a little bit higher, some a little bit less. Mhmm. So having that and that is typically before fees as well. The eight point sorry. The 9.35 is after all advise fees and administration fees and everything like Oh, that. okay. Yep. So it's it's actually not too bad considering Mhmm. that.","start_word":4014,"end_word":4306,"sentiment":"neutral","sentiment_score":0.046414051204919815},{"text":"But, again, we have swapped out your benedalung for you, so, hopefully, that will then improve It'll make a big the difference.","start_word":4307,"end_word":4328,"sentiment":"positive","sentiment_score":0.3710133135318756},{"text":"next twelve months. Yeah. Exactly. So did I did I lose a lot of money with the Benelon? Let me see here. So Is on that that the is report, that the reason why why my why my my my my's gone down? Or is it just gone down because of what's happening in the world or or just bit of both? a a bit of both. Mhmm. But overall, even in the last twelve months, so even though Benelon has gone down, the other investments have gone up. Yeah. So Yeah. even in Okay. the last So 12 it's balanced months out. correct. So Correct. even in the last twelve months now, depending on when in those twelve months, like, if you pulled a report one day, because what tends Mhmm. to happen is, well, that we see the biggest fluctuations are very close together. So sometimes Yep. if people get a little bit concerned because there's a big drop in the market one day, Yep. very closely followed. So even the next day or next couple of days, we tend Mhmm. to see things going up. So, really, it's only the people who then sell at the bottom, which actually crystallize those losses. Yep. So even when you do look at historical graph, which is actually Mhmm. while we are talking about it, one of the Yeah. other attachments for you there, Melissa, Mhmm. should be one where it says Vanguard index chart. Can Okay. you see that Yep. one? Can you see that one okay? Let me just go back. Vanguard index. Yep. Yes. If you wanna open that one for me, it kind of can visualize.","start_word":4329,"end_word":4608,"sentiment":"neutral","sentiment_score":-0.03518380597233772},{"text":"So this is more like a good visual representation. Yeah. It's a good vision.","start_word":4609,"end_word":4622,"sentiment":"positive","sentiment_score":0.46229827404022217},{"text":"Yeah. And it breaks down the different asset classes and how things have kind of gone. And if you do look at it, you can see that the biggest drops in the market are Yep. quite closely followed by then big increases. Yep. So Yeah. overall, Yeah. even though in the last twelve months, despite Benelon, your portfolio has still gone up. So you haven't lost any money when we're looking at a twelve month period. It's still gone Okay. up for quite a bit. Okay. The Okay. That's okay. That would have been better if I didn't have been along, but now we've changed exactly. that. So Exactly. yeah. Now, obviously, if I were to pull one report one day, like, maybe if Yep. you one day in that twelve Yes. month and then you looked a week after, you could have seen, like, a bit of a drop be between that period depending on when you did it. So that's Mhmm. also Yes. what I'd like to do twelve months to kind of show you, well, okay. Because there are fluctuations on a daily, giving a twelve month period shows us, okay. Well, in the last twelve months, even though at some of those times your portfolio was higher than others, overall, it still is It's going a positive. up.","start_word":4623,"end_word":4844,"sentiment":"neutral","sentiment_score":0.00149682629853487},{"text":"It's amazing, Exactly.","start_word":4845,"end_word":4847,"sentiment":"positive","sentiment_score":0.39192450046539307},{"text":"from when, like, Rad Rad and Gillard were in. You don't realize, like, Exactly. you know yeah. So overall, Look it's how still much good. it's gone up since Biden's gone. Right? That's a big Yes. difference. Yeah.","start_word":4848,"end_word":4885,"sentiment":"neutral","sentiment_score":0.18675723671913147},{"text":"Very much so. So so, overall, we're quite happy with it.","start_word":4886,"end_word":4896,"sentiment":"positive","sentiment_score":0.48258423805236816},{"text":"Now Yeah. while Okay. we are Cool. talking about your risk as well, I do wanna quickly run through a couple of multiple choice questions just to see Yeah. if you'd like and feel like we need to change anything with your risk tolerance. Mhmm. So it is just multiple choice. There is no right or wrong answer. It's just whatever you feel is the most appropriate for you. Does Mhmm. that make sense, Alyssa? Yep. Yep. Yep. Perfect. Now have you ever bought direct shares yourself? No. No. Perfect. And you said at the moment, you probably don't think you're gonna start drawing an income from super for at least ten years, did you Yeah. say? Yeah. Yep. So I need so it needs to work as, you know, the best we possibly can, Exactly. I think? You know? Yeah. And so next one here is in regards to inflation. So inflation means that things are getting more expensive over time, like you Mhmm. mentioned as well. Yep. Your money worth a little bit less and everything is costing more. Now Yes. how much of a risk are you willing to take in order to try to keep up with the rising prices? So think about these questions in regards to your superannuation. Mhmm. So are you willing to accept very high risk, high moderate, or a small amount of risk in order to kinda make sure that your superannuation continues to grow more than the increasing prices? I don't know.","start_word":4897,"end_word":5148,"sentiment":"neutral","sentiment_score":-0.017799643681399406},{"text":"That's a really difficult question to answer because you can't predict Yeah.","start_word":5149,"end_word":5160,"sentiment":"negative","sentiment_score":-0.3598189055919647},{"text":"the future. You Exactly. know? You know, like, I'd like to be a risk taker. I think you you I guess you sorta wanna risk more if you got another thirty years because, you know, Yes. things will come good eventually, and then you could sort of, you know, Exactly. adjust it. But when I've got Yep. ten years, I don't know what the best option is, really. But what Mhmm. am I what am I at the moment? Am I high at the moment? Because I think I was the highest at one stage, and then I went down. Yeah. So you are somewhere in the middle. So Yeah. on the on the scale, we kind of be customized different, but, typically, we have you have your aggressive plus, which is where Yep. you are borrowing money to invest. So, obviously very, very volatile. Mhmm. You have your aggressive. We have Yep. a high growth. We have a growth, which is where you are currently, and K. then we have balanced growth and balance. So you are kind of somewhere in the middle at the moment where Mhmm. you are trying to maximize growth in your superannuation as much as possible while you have the time. You are aware that sometimes there will be some ups and downs and market fluctuation, Yep. but at the same time, you want a little bit of that defensive. And Yep. going back to that Vanguard chart is where you have about 80% invested in the top four. So those are your Okay. US shares, It says Australian traveling to me. shares. Mhmm. Exactly.","start_word":5161,"end_word":5431,"sentiment":"neutral","sentiment_score":0.021978809331574672},{"text":"So these are the one that grows the most, which is obviously we're trying to maximize that growth for you so that you Yeah.","start_word":5432,"end_word":5455,"sentiment":"positive","sentiment_score":0.34735381603240967},{"text":"can retire earlier. Yep. Yep. They also fluctuate the most. So we therefore Yeah. have about 20% in those bottom three. They're Yep. a bit smoother, And don't any go other defensive as much. ones? The Australian banks Exact. are the defensive. Yep. Exactly. Yes. Yeah. Now looking at a time frame point of view, so like you said as well, you wanna make sure that you have enough time in the market for those fluctuations to come back around. Mhmm. In Yeah. a growth portfolio, we like to allow six years until retirement. So if you are kind of looking around the Yep. ten years and you said you do wanna Mhmm. explore your superannuation and wanna make sure it works as hard as it can, Yep. and you do have about a six year time frame and more, Mhmm. Mhmm. a growth portfolio is a good position as long as you are comfortable seeing a bit of fluctuations, as long as over the long term, it continues to go up. Mhmm. Yep. Do you think you Yeah. I feel mean, that comfortable sounds okay. with that? Or do you think I should go up to the next one because I've got ten years? You have the time, but what also plays a role is your risk tolerance. And seeing Yeah. if you do see a bit of fluctuation Yeah. that makes you a little bit nervous, I think staying in a growth is good because what you have what's happened in the last one is still good Yeah. and suitable for you. Yeah. No. And if That's we, true. Yeah. yeah, if we bump it up, you will see potentially more fluctuations. Yeah. So Okay.","start_word":5456,"end_word":5742,"sentiment":"neutral","sentiment_score":0.09134487807750702},{"text":"I think, yeah, I think it's a good kind of in between where you are right now.","start_word":5743,"end_word":5759,"sentiment":"positive","sentiment_score":0.5021467208862305},{"text":"Well okay. And then, also, you know, the closer you get to retirement, we might wanna then start looking at reducing that a little bit and get Yes. more defensive when Yep. you have a little a little bit less. So when you have, you know, only a couple of years, we might wanna look at reducing it. Yep. Before the interim, I do think that growth from what you are saying, what your time Mhmm. frame Mhmm. is suitable for you. As long as Excellent. you, yeah, are okay seeing a little bit of fluctuations in the short Yep. term to make sure that it continues to grow. Yep. Okay. That Yeah.","start_word":5760,"end_word":5872,"sentiment":"neutral","sentiment_score":0.12058189511299132},{"text":"sounds good. Yeah. Yeah. Perfect. Thank you for Now explaining it.","start_word":5873,"end_word":5883,"sentiment":"positive","sentiment_score":0.574691891670227},{"text":"Mhmm. no. That's okay. If anything does change, though, at any point in time, so it doesn't have to be an unreview time, if anything changes and you are, you know, concerned or you wanna talk more about it, you can always send me an email or call the Mhmm. office, and Yep. we can always book you in for a catch up. Even if it's not, like, the full interview, if it's just, like, Mhmm. a quarterly catch up or something, Yep. if you wanna talk about it, Yeah. you're always more than welcome to do so. Okay. Thank you. Yes. No. That's okay. Now let me see here. Otherwise, with the documents while we are on them, what is the next attachment that you can see on your end Mhmm. to make? I just wanted to ask with the Vanguard index chart at the bottom, it's got the average weekly earnings. Is that is that how much people were making each week back then? Let me have a look for Yeah. you. The bottom of the Vanguard. Just noticed that it's got average weekly and just sort of shows you how much people were making each week. Inflation average weekly. Yes. So yes. Exactly. So it's what people were making. At the So, moment obviously, mhmm. back back in 1995, 639 a week would give you quite far. And Yeah. then, obviously, now the average weekly earning is about 1,974. And is that before tax or after tax? Let me see what it says in the fine print. Usually, it's the full tax. Or before tax. Yeah. January 1995, I was making about $500 a week, and I had a very average job. Yeah. So it says 639. I was like, oh. Oh, and, obviously, it's on average. So some people earn a lot more and some people Yeah. earn a True. lot less. Yeah. Let me see here if it's the if it's Arthur.","start_word":5884,"end_word":6210,"sentiment":"neutral","sentiment_score":0.06956659876015209},{"text":"That's a really good chart, isn't it?","start_word":6211,"end_word":6217,"sentiment":"positive","sentiment_score":0.5084164142608643},{"text":"Yeah.","start_word":6218,"end_word":6218,"sentiment":"neutral","sentiment_score":0.30775535106658936},{"text":"And that's why I think it's a real really good Yeah.","start_word":6219,"end_word":6229,"sentiment":"positive","sentiment_score":0.4671656787395478},{"text":"one to to include, especially when there are bit of fluctuations. Is this good to see it a bit more kind of zoomed And I'm out? more of a visual person too, so I like the Yes.","start_word":6230,"end_word":6266,"sentiment":"neutral","sentiment_score":0.22339925169944763},{"text":"visuals as well.","start_word":6267,"end_word":6269,"sentiment":"positive","sentiment_score":0.3712554275989533},{"text":"Me And too. yeah. I was I Me was I too. wasn't very good at mathematics or numbers. That was, like, not that was, like, the worst subject. I was more the arty arty person. So, I obviously like the numbers. yeah, yeah, I'm definitely not a No. number person, but I'm trying. Oh, yeah. It doesn't actually say if it's after or before here. Typically, I would say it's before, but it doesn't Yeah. actually say on the graph, which is it was a very good question. I'll see if I can find it find out. But, yeah, they do publish this every year. So every year, they do a bit of an update. Okay. They are Yep. a little bit so, typically, in 2026, they'll have it. So you can kind of see to June 30. So Mhmm. probably at the end of this financial year, they might release the 2026. Okay. So you can even just Google that as well Yeah. if I it's could something probably that just you are Google interested it. Yeah. in. Yeah. Yeah. Yeah. I can just Google it. That's fine. I'll yeah. Should So chat then to every you. Be sure you'll sort that out. yes. And then yeah.","start_word":6270,"end_word":6477,"sentiment":"neutral","sentiment_score":0.028616904442270216},{"text":"So every year, they do one, which is good. So then you can kind of see, okay, well, what's happened, which is really good.","start_word":6478,"end_word":6501,"sentiment":"positive","sentiment_score":0.6058623790740967},{"text":"Now, Melissa, on the last documents there for you, Yep. what are the ones that you have that you can see? Can you see a super summary? Just one moment. Let's go to get that. Okay. Sorry. Yeah. The super summary. Yep. Yes. I'm a click on Now that. Yes, please.","start_word":6502,"end_word":6552,"sentiment":"neutral","sentiment_score":0.10384249687194824},{"text":"So that one shows you your super balance. It seems like you go and have a look at it every now and then, which is good.","start_word":6553,"end_word":6578,"sentiment":"positive","sentiment_score":0.434513121843338},{"text":"Yeah. That I shows still have 203 now. Yeah. Every time So I look at those down, it was 250 payment one day. so yes. Yesterday, what we did is 203, 646. Wow. Now your other attachments, you can see through that says, HP Financial Services Guide Mhmm. and then also one that says services guide version one. Yep. Yeah. Yep. Mhmm. Yep. Now these ones here, you would have seen similar before. It's just a bit of an updated version to our financial service guide. It does give you all the important information that you do need to know about us. So if Yep. you go, for example, in through the version one document, Yep. the the financial services guide version four is just a little condensed version. I'll let you have a look over that in your own time. But Yep. that version two, you will see it is quite extensive, but it gives you everything that you need to know. You would have seen this one before. Yeah. It is just a bit of an updated version. We've had some changes from marketing, which is good, and also an extension to the team. So if you wanna scroll down to page 10, Mhmm. you should see a photo of myself there as well. And sometimes it is nice to put a face to the voice. Yeah. So it's just loading at the moment. It's still loading. No. That's okay. Moment. It it is a bit of a longer one. Sorry. Yeah. You will Here we go. see that. K. It's still a few more seconds. No. That's okay. And you will see me next to Dana. Yes. I think we I think we spoke not last year, but the year before because I do remember yeah. We did. So yeah. Just bit just bit of updated photo there for you. So yeah. That's all in there for you. Now I'm on the wrong one right there. I think it's just taking ages to oh, that one's was it wasn't the the financial I think I The might have version actually the version yep. one is Oh, where okay. you have, yeah, it's where you have the advice team. Yes. You also see, like, a chief of staff, operations manager. Otherwise, you'll see all the advices in there for you, a Mhmm. marketing Yep. and head of administration. If you go on the website, Yep. you can then see all the admin team. So, like, Michelle, if you've spoken to her before, our Yes. power planning research team, everyone Yes. else is on the website for you as well.","start_word":6579,"end_word":7019,"sentiment":"neutral","sentiment_score":0.06112406871338584},{"text":"Okay. Fantastic.","start_word":7020,"end_word":7021,"sentiment":"positive","sentiment_score":0.5247389078140259},{"text":"Yep. Now that was all those attachments. Yeah. If you then click on the link for me, if that works, you should see two documents. Okay. Just one moment. Yep. I'm just going on my computer. Give me one minute just so I can close. Okay. Yeah. Of course. Have I got any laptop? And I think I've just I've already taken it back once. Okay. I got it fixed. No. That's Okay. okay. So I came back again. So for the link, Yes. I can't I just signed documents. Is that Yes. why you won't need So to sign yet? yes. So if you click on that, you should see through through on the document when you click on the link. Now there should be one Yeah. the first one where it says Netwealth advise fee consent. Can you see that? It should download. Oh, there we go. It was advised, please, consent. Yep. I'm on to Yep. that one. Yep. Yep. So this one is the the ongoing service agreement. And that is just Yep. to That's say that the sign you are in happy that. Yep. exactly.","start_word":7022,"end_word":7211,"sentiment":"neutral","sentiment_score":0.032298601048655416},{"text":"So you are happy to stay on as a client for the Mhmm.","start_word":7212,"end_word":7224,"sentiment":"positive","sentiment_score":0.3604324460029602},{"text":"next twelve months, but there Yep. is no lock in contact. So if at any point in time you are not happy with the service, there is no lock in contact. Otherwise, this essential lets us service and manage your account for you. And then until next annual review, where we would go through this again to see if you are happy to stay on for another twelve months. The advisory is not changing. It stays exactly the same at 1.65 Yes. Yes. from super. So no changes to Yep. that one. And then the last one is just just a compliance form just to say that we have your tax file number secure on file, essentially. Okay. No problem. Yep. I just sign all that now. Yep. Yes. If you're happy to do that, that would be Yeah.","start_word":7225,"end_word":7363,"sentiment":"neutral","sentiment_score":0.1263963133096695},{"text":"great.","start_word":7364,"end_word":7364,"sentiment":"positive","sentiment_score":0.3793787956237793},{"text":"Now And that's then we fine. get It's that missing loaded. here. There's no changes. So Yes. okay. Okay. Signing. Yep. That's fine. There we go. That works the case for you, Melissa? Yep. Just loading, taking Yep. pages. Technology sometimes. It's great when it works, but sometimes it's It doesn't seem to yeah. be everything's yeah. It just seems to be a lot slower for some reason Oh, yeah. today. It's just No. That's okay. still loading. It's so cool. Anyways, it's it's on its That's way eventually. yes.","start_word":7365,"end_word":7454,"sentiment":"neutral","sentiment_score":0.03900626674294472},{"text":"Perfect. While I do kind of oh, actually, I just got notified that you came through, so that's great. Right. So thank you so much for that.","start_word":7455,"end_word":7481,"sentiment":"positive","sentiment_score":0.441384494304657},{"text":"Now I do have a couple more questions just to see if anything has changed for you.","start_word":7482,"end_word":7498,"sentiment":"neutral","sentiment_score":0.2454787790775299},{"text":"So just bear with me, then I will let you go and enjoy the rest of your day.","start_word":7499,"end_word":7516,"sentiment":"positive","sentiment_score":0.4082263112068176},{"text":"Let me see here. If it is at the end of the financial year that you do wanna make another lump sum to superannuation, Mhmm. Yes. Mhmm. just just let us know. We can obviously send you the details. And if you then wanna do the notice of intent to claim the tax Yep. back, Yeah. I'll Just definitely let us do that know, this year. Yep. yeah, just let us know a couple of weeks before the end of the financial year just Yep. to make sure we have enough time for you. Time to do it. Yep. Yep. Mhmm. And just be mindful of their contribution cap as well, which is 30,000. Yep. Otherwise, assets and liabilities wise, has anything changed? You said, obviously, you're renting do you have a motor vehicle or anything? Or No. No. No. I don't drive. So, yeah, I'm just renting. No. I'm pretty pretty simple. Yeah. Do you have any, like, liabilities, personal loans, credit cards, ZipPay? No. I mean, I've got two No. credit cards, but I don't owe any money on Yeah. anything. Yeah. Yes. Yeah.","start_word":7517,"end_word":7702,"sentiment":"neutral","sentiment_score":0.04940656648688419},{"text":"Perfect.","start_word":7703,"end_word":7703,"sentiment":"positive","sentiment_score":0.477820485830307},{"text":"Yep. Health and lifestyle wise, I have Mhmm. you down here as a nonsmoker. Yep. Yep.","start_word":7704,"end_word":7719,"sentiment":"neutral","sentiment_score":0.10291288793087006},{"text":"That's Perfect.","start_word":7720,"end_word":7721,"sentiment":"positive","sentiment_score":0.4195643365383148},{"text":"correct. Mhmm. Any changes to your health in the last twelve months? No. Nothing No. on pretty healthy. Yep.","start_word":7722,"end_word":7740,"sentiment":"neutral","sentiment_score":-0.009356810711324217},{"text":"That's good.","start_word":7741,"end_word":7742,"sentiment":"positive","sentiment_score":0.4166319072246551},{"text":"And, obviously, we don't have any insurances for you at the moment. You're still obviously Mhmm. happy happy with that? What kind of insurance would that be? So Like, there life are insurance a range and of, yes, life insurance and total permanent disability insurance. So if something were to happen and you were unable to go back to work mhmm. or trauma insurance, So if how you how suffer much would a traumatic they be for, like, the disability, the work, yes. personal personal insurance? Yeah. Whatever that is. Yeah. Personal Yeah. risk insurance. Yeah. So they are they are very tailored to you. So it it's dependent on age. It's dependent on occupation and health Mhmm. to then then see the cost. So if it is something that you are interested in, Mhmm. the process would be that we would I would book you in for a pre assessment. What that would do is multiple choice questions just to get an in-depth understanding of your health, your lifestyle, and your occupation. Mhmm. From that, we would send that out to all insurers out out there to see what they would offer, Mhmm. then I'll be able to get quotes. So it Okay. is a bit of a lengthy process. Okay. They do tend to get more expensive the older you get. Yeah.","start_word":7743,"end_word":7966,"sentiment":"neutral","sentiment_score":-0.00803400928686772},{"text":"But if it is something that you want to look at, I'll be more than happy to book you in for a pre assessment if Mhmm.","start_word":7967,"end_word":7992,"sentiment":"positive","sentiment_score":0.37612012028694153},{"text":"if you wanna look at insurances. I did look at them a couple of times through my my insurance, and they were quite expensive. So I didn't really worry Yes. about them, but I just thought I'd ask you anyway. So Yes. And they yeah. do get the older you get, they get a lot more expensive because in Yeah. the insurance point of view, there is a You're higher you're getting chance older of a and risk. it's high risk. Exactly. Yeah. That's right. Well, I got one with h c f HCF at the moment where I just pay $13 a month, but I'll give you, I think, like, 5 to $6,000 up front if something happens. Oh, yeah. So Is that private Yeah. private health insurance, or is that, Yeah. like, Yeah. a bit of a I life? just just through the private health insurance, that was just an option. I thought it was $13 a Yeah. month. It's something, isn't it? And if you don't really Yeah. notice $13 a month, and I thought if something does happen, you know, Yeah. it's a little bit of money that will pay the rate while you're getting you know? Exactly. Yeah. Yes.","start_word":7993,"end_word":8196,"sentiment":"neutral","sentiment_score":-0.051856596022844315},{"text":"So And it's so pretty I've got that.","start_word":8197,"end_word":8204,"sentiment":"positive","sentiment_score":0.3862028121948242},{"text":"pretty reasonable Yeah. for price because, yeah, they can cost Yeah. quite a Like, bit some of them the were older ridiculous. you get. Yeah. Like, Yeah. I think I had a few quotes, and I was like, oh, no. I'll just kinda know what I'll do, Yeah. but I'm not paying that because, you know, you just don't know. And it's just you gotta pay your rent. It's always like I mean, some of them Exactly. it was so expensive. I was Yeah.","start_word":8205,"end_word":8288,"sentiment":"neutral","sentiment_score":-0.1268806734255382},{"text":"just like, it's not worth it.","start_word":8289,"end_word":8294,"sentiment":"negative","sentiment_score":-0.35888001322746277},{"text":"It Yeah. might be something bad happens, but I'll just deal with that. Yeah. Okay. Perfect. Well, Yeah. we can leave it for now. If anything Yeah. changed, let me Yep. know. Okay. Fantastic. But, yeah, we can always we can always have a look at it if you want to, but, yes, obviously, the older Yeah. you get, the more they get Yeah. quite a bit more expensive. Yeah. Yeah. Okay. Yeah.","start_word":8295,"end_word":8367,"sentiment":"neutral","sentiment_score":-0.026799745857715607},{"text":"Beautiful. Thank you, Veronica. I think that's great.","start_word":8368,"end_word":8375,"sentiment":"positive","sentiment_score":0.4287598431110382},{"text":"No. Perfect. Thank you for No. all the There info. is Appreciate it. And no. I'll have That's another okay. read through. Yeah. Yes. Thank you. Now there is just one thing I do wanna check with you before Mhmm. I Yep. let you go, Melissa. Yep. Sorry. And that is just your beneficiary form. So on hub twenty sorry. On Netwealth, so your Yep. superannuation, if something were to happen to you, I have Jody nominated. Yes. I do wanted to check because the superannuation makes it quite difficult on who you can nominate directly through super. They are quite strict on Mhmm. who is a valid nomination. I So can. the the only people that you can have directly through Stupa is Mhmm. a spouse, a child, or someone that you have a financial interdependent relationship with. Basically, what that means is someone that must re rely on you financially. If you were to pass away, you live together and provide, you know, financial domestic and personal care support. Would your sister fall into that category? No. Because I'm single, No. and I don't have any children. So how do you Yeah. work around that? That's Yeah.","start_word":8376,"end_word":8574,"sentiment":"neutral","sentiment_score":-0.03376697935163975},{"text":"a bit ridiculous. So they do make it tricky.","start_word":8575,"end_word":8583,"sentiment":"negative","sentiment_score":-0.3687463998794556},{"text":"The good thing is you can still give it to her.","start_word":8584,"end_word":8594,"sentiment":"positive","sentiment_score":0.43250149488449097},{"text":"We would just Okay. have to change the way that it is. So, Okay. yeah, so you can still very much give it because I we have so many clients who give that Yeah. to, you know, brothers and sisters and nephews and nieces or Yeah. friends. Yeah.","start_word":8595,"end_word":8642,"sentiment":"neutral","sentiment_score":0.13820961117744446},{"text":"So you very much can still give it to your sister.","start_word":8643,"end_word":8653,"sentiment":"positive","sentiment_score":0.356107234954834},{"text":"The only way that we would have to change it is Yep. that on the beneficiary form, Yep. we would have to change it to say a legal personal representative. Yep. What that basically means is saying that it reverts to your will. Now in your will, you can stipulate exactly who you want to give it to. Oh, okay. I don't I don't have a wheel. So maybe I No. should get one. It is good. Now you can do different ways. So, obviously, the most comprehensive way is to go through a lawyer. Yep. Mhmm. That obviously costs more as well. So that Yeah. is the most comprehensive. The other way you can do it is even just the post office have will kits, Yeah. which are a lot cheaper. The only thing with that is just if you do decide to go that way, it's just to read the instructions carefully so that you've completed correctly, Yes. and then you can you can do it that way. Hi, Ty. Yeah, which is a little bit more affordable. And if you decide to do it that way, Yeah. you are more than welcome to email me a copy if you would like, and I can Oh, keep it okay. on file. Yes. So that way, if something were to happen, we have a copy of the will, and then we also have the beneficiary to say that it goes to the will. And then in the will, you can say that you would like Jodie to receive it. Okay.","start_word":8654,"end_word":8914,"sentiment":"neutral","sentiment_score":0.13006170094013214},{"text":"Yeah. That'd be perfect. And you got everything on file. So I think happy to get right.","start_word":8915,"end_word":8931,"sentiment":"positive","sentiment_score":0.5689340829849243},{"text":"We've we've got the Exactly. wheel. We've got everything. Exactly. Okay. Yeah. And it's only about So, a $100, I think, isn't it, to get the wheel yeah, from the they post? they're So it's pretty they're quite cheap.","start_word":8932,"end_word":8970,"sentiment":"neutral","sentiment_score":0.1458543986082077},{"text":"they're quite affordable, and that way Yeah.","start_word":8971,"end_word":8977,"sentiment":"positive","sentiment_score":0.4284959435462952},{"text":"you still have something in place to strengthen, you know, making sure they does go to her if something were to happen. So, Yeah. Yeah. Melissa, do you have access to a printer, or do you prefer things to be posted to you? I I don't have actually still a printer, but I I can do I can go to the library, so that's fine. So if you just Yeah. email anything, it's Okay. fine. Yeah.","start_word":8978,"end_word":9053,"sentiment":"neutral","sentiment_score":0.057899508625268936},{"text":"That's all Perfect. good.","start_word":9054,"end_word":9057,"sentiment":"positive","sentiment_score":0.456556499004364},{"text":"So what I'll Yeah. get to do is I would get them to email you a copy Yep. of your and do you want me to prefill it through the legal personal representative Yeah. to make it easy? Yep. Yeah. You you do everything that needs to be done. Yeah. That'd be Yep.","start_word":9058,"end_word":9110,"sentiment":"neutral","sentiment_score":0.11707551777362823},{"text":"great. Perfect. I appreciate So that.","start_word":9111,"end_word":9116,"sentiment":"positive","sentiment_score":0.5486196875572205},{"text":"I'll no. That's okay. I will Yeah. prefill it. I'll get the team to email you a copy. Yep. Yep. When you have a moment, it just needs to be printed and web signed because you are making a legal nomination. Yep. Return Yep. it through me, and then I'll get that uploaded and sorted on Netwealth. And if you do get a will, like I said, you're more than welcome to email that through as well. Yeah. I will. I think I should because I was pretty I don't have anything anyway. I just got my super. So, basically, I'll just say, Jodie can have everything that I've got. Super, Yeah. Yeah. health contents. Like, it's very basic. I don't need a lawyer. So, like, Exactly. I have five houses Yes. and 10 Yes. children. It's exactly. It's not it's not a complex estate, which makes it easier because then you don't Yes. have to pay as much for it. So yeah. Yeah.","start_word":9117,"end_word":9280,"sentiment":"neutral","sentiment_score":0.11240085686852291},{"text":"That's right. It's just gonna be basic and simple.","start_word":9281,"end_word":9289,"sentiment":"positive","sentiment_score":0.38533955812454224},{"text":"So Yeah. Exactly. So I will get the team to email you that form. If anything changed or if you need anything else at any point in time, just Mhmm. give us a call or send me an email, and we can always Yep. book you in for another catch up.","start_word":9290,"end_word":9340,"sentiment":"neutral","sentiment_score":0.15417076647281647},{"text":"Amazing. Thank you so much for that. It's really good. I'm really glad we got to speak because that's something Yeah.","start_word":9341,"end_word":9361,"sentiment":"positive","sentiment_score":0.7645301818847656},{"text":"I need to do. So Yeah. Me me too, Melissa. And like I said, yes. anything else you need, just give us a call. But, otherwise, Brilliant. if I don't hear for you, I will talk to you next time to review.","start_word":9362,"end_word":9403,"sentiment":"neutral","sentiment_score":0.152095228433609},{"text":"Absolutely. Thanks, Yeah. Ronnie. Have a great Okay. day.","start_word":9404,"end_word":9412,"sentiment":"positive","sentiment_score":0.5254027247428894},{"text":"Okay.","start_word":9413,"end_word":9413,"sentiment":"neutral","sentiment_score":0.32573390007019043},{"text":"Thanks for everything.","start_word":9414,"end_word":9416,"sentiment":"positive","sentiment_score":0.7051510810852051},{"text":"Okay. You you too, Check Melissa. out. Bye. Bye. Bye.","start_word":9417,"end_word":9426,"sentiment":"neutral","sentiment_score":0.16245883703231812}],"average":{"sentiment":"neutral","sentiment_score":0.05553623957005677}}}}