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Yeah. Just blind it. Hi. Larissa here. How are you going? Yeah. Really good. Thank you. Thank you so much. Oh, I'm so sorry. Of course, there's a bit of a time difference, isn't there? No. Don't apologize. Does this time still like, does this time too? Is this time suitable? Like, you're you're happy to chat now? Or yeah? Okay. Cool. Good. So there's I guess, there's there's a a couple of things I I I wanna address. I know that previously, you were speaking with one of my advisers, Tina. So I'm the head of financial advice at Oakview. Like I said, my name is Larissa. And with, I guess, regards to the circumstances that you're going through twelve months ago, the team just wanted, I guess, myself to jump on the phone and have a bit of a chat to you because it has been a bit of time since we last spoke, and you were going through quite a number of changes personally at the time. We want to make sure that, you know, the advice is still relevant and, obviously, get an update on your circumstances as well. So I guess the the best thing for me to do right now is, I guess, to ask how you're going, where you're at, and, I guess, what's happened for you over the last twelve months. Yep. Yeah. They're okay. So where are you I guess, what what's your what's your address now that you're back in Australia? Yep. Alright. Perfect. And, like, have you did did you separate from your partner, or are you are you, okay, separated with the intention of divorce or just temporarily separated at the moment? Okay. So with the separation, have you guys separated any of the assets that you hold? Because I know that you had both the primary residence and an investment property. Okay. So no financial separation has occurred yet. Alright. Is he residing in the same house as yourself? Okay. So it's just you and your son that are living at Gibson Court. Okay. Alright. And I know the, like, the investment property, you guys own 5050 together. Yeah. Is the like, have you guys in any way, shape, or form, like, talked about what separating finances look like? Or because can I just I I guess I wanna confirm? The 12 Gibson Court, is that yours or is that a a shared property? Like, do you have a 100% ownership? Okay. And then the investment property that you own, is that a shared property as well? Okay. And then he he owns a Ford Ranger, and then you have a Suzuki? Alright. So, like, the he has a Toyota Hilux, but you're using it, and then there's the Suzuki Alto as well. Yeah. Okay. So two so so both the vehicles you did have are no longer working. No. That's okay. So are we just down to one one car between the two of you at the moment? Yeah. Alright. Sounds okay. And then the cryptocurrency, is that in your name or is that in joint names? In okay. So the crypto is his, not joint. Okay. Okay. Alright. So with, I guess, respect to the other, like, the assets, probably a a bit of a bigger conversation as to what what we're gonna do splitting the assets and whether there is, like, grounds for, you know, what that looks like, whether we're gonna be amicable, you know, whether superannuation is gonna come into it and what that looks like overall. Aside from that, I guess, you said you were back back working. Are you are you full time? Because I know you're you're a teacher. Are you full time teaching, or are we still part time? Okay. Are you still sitting on that sort of $100,000 income? 109? Okay. That's cool. Excellent. And then okay. Do you know what that's gonna go up to or not quite sure? 115? Okay. Perfect. But right now, it's 109. Fantastic. And the mortgage on the on Gibson Court, does that still sit around a 115,000? Yeah. Yes. So is it about 515,000 in the mortgage? Alright. Cool. So we've paid off a little bit in the last twelve months. Makes sense. And that's good. Good. Good. Okay. So about nearly nearly 500 flats. That's excellent. No. I didn't have another personal loan. I was what was that to purchase the car? Or okay. So you've got a personal loan here in Australia, and you purchased a property in The Philippines. Whose name is the loan in? Joint names? What's the what's the what's the debt? What's the loan for? So it's at $44.00, and now it's down to 17. Okay. Alright. And we have a property in The Philippines. Okay. Do you know what the property in The Philippines is valued at, Australian dollar? That's okay. And then I guess the follow-up question is, is the property in The Philippines, is that in your name or joint names? Okay. It's about $50,000 value. Right? Alright. No. That's okay. That's alright. So it was about $50,000 value at the time. Alright. So now with respect to, I guess, where we're at, I guess, the advice that we were looking to implement twelve months ago was centered around transferring your funds into, like, Hub twenty four and taking on an insurance policy. And at the time, we we paused on everything because you were going through so much, and you sort of needed that time. Now I know at the time you had gone through a bit of a a a health incident as well, and you had a quite a major concussion that had ongoing issues. Has the concussion been resolved and has like, how are you going with your, like, brain, essentially? Because that's where where I guess the issues were. Okay. Are you under any treatment for migraine treatments? And have they have they connected? Like, have they has it been determined by a doctor that the migraines were caused by, I guess, the incident that it did occur at the time? Okay. And how often do you get the migraines? Okay. Okay. And yeah. And with the I guess with the headaches, like, did you you did you get them before the incident that did occur twelve months ago? Or yeah. Okay. Alright. Now I guess I because it's been twelve months and and there's been a few like, a number of changes that have happened, I need to go away and I need to have a look over everything again. There's been, you know, massive climate changes in the market, everything like that. You've also had twelve months worth of changes to your current fund as well. So if I can send you an email and get you to send through a statement from your Aware Superfund, just so I can get an update on where that account sits now twelve months down the line, that would be great. But aside from that, I guess, what I need to do is to confirm what your goals are right now and what you're trying to achieve. And do the divorce. Yeah. Absolutely. Yeah. Settle. Yeah. Just realistically until they settle. No. No. And look, is it calling up and and at least touching base and me me being able to get, I guess, a bit of an update on where you're at is good. You know, still keeping, you know, in contact is really, really good. But, yeah, I I I was sort of kind of leaning a little bit that way as well. Like, I can always have a look at things, but to be able to, I guess, have a really good picture as to where everything is sitting for you and to be able to move forward, I do sort of need to have a bit of a solid idea as to what we're gonna do with the finances. So once you do have a bit of a more solid plan on the finance side of things, we could definitely move forward and and have a look at it. But I guess yeah. Just right now, it's a little bit a little bit up in the air. And so, I guess, you've had a chance to sit down and talk with your ex about it. It does make things a little bit difficult. Yeah. No. That's okay. Well, but how about would you like me to sort of maybe put in my calendar to touch base with you in six months or so? And if you end up having an answer before then, then you can always reach out to me. But, otherwise, I'll just I'll just I can just be a friendly friendly touch base in six months when you've had a chance to really sit down and talk about our finances, and what that looks like. Yeah. Alright. Perfect. We can do that. And for now, at least I have a bit of an update on where you're at and what's happened over the last twelve months. And then, yeah, I can touch base with you in sort of six months' time. And and like I said, if you have if if anything happens before then, you're more than welcome to reach out. But, otherwise, I'll reach out to you in six months. No. That's okay. Well, good luck, and please don't hesitate to give me a call. That's okay. Bye, Lotte. You too. 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Got it. I sure am, my love. Yeah. No.\n\nI didn't. No. That's so fine. I'll go through, and I'll I'll rally at the rest of it. Yeah.\n\nI do, my love. I got a quick rundown. I read over her file. Yeah. Just blind it.\n\nHi. Larissa here. How are you going? Yeah. Really good.\n\nThank you. Thank you so much. Oh, I'm so sorry. Of course, there's a bit of a time difference, isn't there? No.\n\nDon't apologize. Does this time still like, does this time too? Is this time suitable? Like, you're you're happy to chat now? Or yeah?\n\nOkay. Cool. Good. So there's I guess, there's there's a a couple of things I I I wanna address. I know that previously, you were speaking with one of my advisers, Tina.\n\nSo I'm the head of financial advice at Oakview. Like I said, my name is Larissa. And with, I guess, regards to the circumstances that you're going through twelve months ago, the team just wanted, I guess, myself to jump on the phone and have a bit of a chat to you because it has been a bit of time since we last spoke, and you were going through quite a number of changes personally at the time. We want to make sure that, you know, the advice is still relevant and, obviously, get an update on your circumstances as well. So I guess the the best thing for me to do right now is, I guess, to ask how you're going, where you're at, and, I guess, what's happened for you over the last twelve months.\n\nYep. Yeah. They're okay. So where are you I guess, what what's your what's your address now that you're back in Australia? Yep.\n\nAlright. Perfect. And, like, have you did did you separate from your partner, or are you are you, okay, separated with the intention of divorce or just temporarily separated at the moment? Okay. So with the separation, have you guys separated any of the assets that you hold?\n\nBecause I know that you had both the primary residence and an investment property. Okay. So no financial separation has occurred yet. Alright. Is he residing in the same house as yourself?\n\nOkay. So it's just you and your son that are living at Gibson Court. Okay. Alright. And I know the, like, the investment property, you guys own 5050 together.\n\nYeah. Is the like, have you guys in any way, shape, or form, like, talked about what separating finances look like? Or because can I just I I guess I wanna confirm? The 12 Gibson Court, is that yours or is that a a shared property? Like, do you have a 100% ownership?\n\nOkay. And then the investment property that you own, is that a shared property as well? Okay. And then he he owns a Ford Ranger, and then you have a Suzuki? Alright.\n\nSo, like, the he has a Toyota Hilux, but you're using it, and then there's the Suzuki Alto as well. Yeah. Okay. So two so so both the vehicles you did have are no longer working. No.\n\nThat's okay. So are we just down to one one car between the two of you at the moment? Yeah. Alright. Sounds okay.\n\nAnd then the cryptocurrency, is that in your name or is that in joint names? In okay. So the crypto is his, not joint. Okay. Okay.\n\nAlright. So with, I guess, respect to the other, like, the assets, probably a a bit of a bigger conversation as to what what we're gonna do splitting the assets and whether there is, like, grounds for, you know, what that looks like, whether we're gonna be amicable, you know, whether superannuation is gonna come into it and what that looks like overall. Aside from that, I guess, you said you were back back working. Are you are you full time? Because I know you're you're a teacher.\n\nAre you full time teaching, or are we still part time? Okay. Are you still sitting on that sort of $100,000 income? 109? Okay.\n\nThat's cool. Excellent. And then okay. Do you know what that's gonna go up to or not quite sure? 115?\n\nOkay. Perfect. But right now, it's 109. Fantastic. And the mortgage on the on Gibson Court, does that still sit around a 115,000?\n\nYeah. Yes. So is it about 515,000 in the mortgage? Alright. Cool.\n\nSo we've paid off a little bit in the last twelve months. Makes sense. And that's good. Good. Good.\n\nOkay. So about nearly nearly 500 flats. That's excellent. No. I didn't have another personal loan.\n\nI was what was that to purchase the car? Or okay. So you've got a personal loan here in Australia, and you purchased a property in The Philippines. Whose name is the loan in? Joint names?\n\nWhat's the what's the what's the debt? What's the loan for? So it's at $44.00, and now it's down to 17. Okay. Alright.\n\nAnd we have a property in The Philippines. Okay. Do you know what the property in The Philippines is valued at, Australian dollar? That's okay. And then I guess the follow-up question is, is the property in The Philippines, is that in your name or joint names?\n\nOkay. It's about $50,000 value. Right? Alright. No.\n\nThat's okay. That's alright. So it was about $50,000 value at the time. Alright. So now with respect to, I guess, where we're at, I guess, the advice that we were looking to implement twelve months ago was centered around transferring your funds into, like, Hub twenty four and taking on an insurance policy.\n\nAnd at the time, we we paused on everything because you were going through so much, and you sort of needed that time. Now I know at the time you had gone through a bit of a a a health incident as well, and you had a quite a major concussion that had ongoing issues. Has the concussion been resolved and has like, how are you going with your, like, brain, essentially? Because that's where where I guess the issues were. Okay.\n\nAre you under any treatment for migraine treatments? And have they have they connected? Like, have they has it been determined by a doctor that the migraines were caused by, I guess, the incident that it did occur at the time? Okay. And how often do you get the migraines?\n\nOkay. Okay. And yeah. And with the I guess with the headaches, like, did you you did you get them before the incident that did occur twelve months ago? Or yeah.\n\nOkay. Alright. Now I guess I because it's been twelve months and and there's been a few like, a number of changes that have happened, I need to go away and I need to have a look over everything again. There's been, you know, massive climate changes in the market, everything like that. You've also had twelve months worth of changes to your current fund as well.\n\nSo if I can send you an email and get you to send through a statement from your Aware Superfund, just so I can get an update on where that account sits now twelve months down the line, that would be great. But aside from that, I guess, what I need to do is to confirm what your goals are right now and what you're trying to achieve. And do the divorce. Yeah. Absolutely.\n\nYeah. Settle. Yeah. Just realistically until they settle. No.\n\nNo. And look, is it calling up and and at least touching base and me me being able to get, I guess, a bit of an update on where you're at is good. You know, still keeping, you know, in contact is really, really good. But, yeah, I I I was sort of kind of leaning a little bit that way as well. Like, I can always have a look at things, but to be able to, I guess, have a really good picture as to where everything is sitting for you and to be able to move forward, I do sort of need to have a bit of a solid idea as to what we're gonna do with the finances.\n\nSo once you do have a bit of a more solid plan on the finance side of things, we could definitely move forward and and have a look at it. But I guess yeah. Just right now, it's a little bit a little bit up in the air. And so, I guess, you've had a chance to sit down and talk with your ex about it. It does make things a little bit difficult.\n\nYeah. No. That's okay. Well, but how about would you like me to sort of maybe put in my calendar to touch base with you in six months or so? And if you end up having an answer before then, then you can always reach out to me.\n\nBut, otherwise, I'll just I'll just I can just be a friendly friendly touch base in six months when you've had a chance to really sit down and talk about our finances, and what that looks like. Yeah. Alright. Perfect. We can do that.\n\nAnd for now, at least I have a bit of an update on where you're at and what's happened over the last twelve months. And then, yeah, I can touch base with you in sort of six months' time. And and like I said, if you have if if anything happens before then, you're more than welcome to reach out. But, otherwise, I'll reach out to you in six months. No.\n\nThat's okay. Well, good luck, and please don't hesitate to give me a call. That's okay. Bye, Lotte. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Woah.","start":3.52,"end":3.76,"sentiment":"neutral","sentiment_score":0.16846147179603577},{"text":"Got it.","start":3.76,"end":11.54,"sentiment":"neutral","sentiment_score":0.11621329560875893},{"text":"I sure am, my love.","start":11.759999,"end":13.125,"sentiment":"positive","sentiment_score":0.4057354986667633},{"text":"Yeah.","start":20.805,"end":21.305,"sentiment":"neutral","sentiment_score":-0.05344770103693008},{"text":"No.","start":26.5,"end":26.74,"sentiment":"neutral","sentiment_score":-0.20293349027633667}],"sentiment":"neutral","sentiment_score":0.21731843650341034,"num_words":10,"start":3.52,"end":26.74},{"sentences":[{"text":"I didn't.","start":26.74,"end":27.32,"sentiment":"neutral","sentiment_score":-0.1529037430882454},{"text":"No.","start":27.779999,"end":28.019999,"sentiment":"neutral","sentiment_score":-0.08505874127149582},{"text":"That's so fine.","start":28.019999,"end":29.06,"sentiment":"neutral","sentiment_score":0.1284803549448649},{"text":"I'll go through, and I'll I'll rally at the rest of it.","start":29.06,"end":37.059998,"sentiment":"neutral","sentiment_score":0.13082088281710944},{"text":"Yeah.","start":37.059998,"end":37.22,"sentiment":"neutral","sentiment_score":0.09555509686470032}],"sentiment":"neutral","sentiment_score":0.0873673962135064,"num_words":19,"start":26.74,"end":37.22},{"sentences":[{"text":"I do, my love.","start":37.22,"end":38.02,"sentiment":"neutral","sentiment_score":0.20402344316244125},{"text":"I got a quick rundown.","start":38.02,"end":39.059998,"sentiment":"neutral","sentiment_score":0.12227136492729188},{"text":"I read over her file.","start":39.059998,"end":40.28,"sentiment":"neutral","sentiment_score":0.057480457425117495},{"text":"Yeah.","start":44.575,"end":44.895,"sentiment":"neutral","sentiment_score":0.051973097026348114},{"text":"Just blind it.","start":44.895,"end":46.035,"sentiment":"neutral","sentiment_score":0.04033223291238149}],"sentiment":"neutral","sentiment_score":0.10487903778751691,"num_words":18,"start":37.22,"end":46.035},{"sentences":[{"text":"Hi.","start":49.935,"end":50.435,"sentiment":"neutral","sentiment_score":0.155794158577919},{"text":"Larissa here.","start":50.575,"end":51.375,"sentiment":"neutral","sentiment_score":0.16518103331327438},{"text":"How are you going?","start":51.375,"end":52.355,"sentiment":"neutral","sentiment_score":0.24018243327736855},{"text":"Yeah.","start":55.71,"end":56.03,"sentiment":"neutral","sentiment_score":0.2368420660495758},{"text":"Really good.","start":56.03,"end":56.67,"sentiment":"positive","sentiment_score":0.4804721176624298}],"sentiment":"neutral","sentiment_score":0.26446722596883776,"num_words":10,"start":49.935,"end":56.67},{"sentences":[{"text":"Thank you.","start":56.67,"end":57.49,"sentiment":"positive","sentiment_score":0.42260900139808655},{"text":"Thank you so much.","start":58.510002,"end":59.489998,"sentiment":"neutral","sentiment_score":0.10265911091119051},{"text":"Oh, I'm so sorry.","start":62.989998,"end":64.11,"sentiment":"neutral","sentiment_score":-0.06081648077815771},{"text":"Of course, there's a bit of a time difference, isn't there?","start":64.11,"end":66.53,"sentiment":"neutral","sentiment_score":-0.06922134350646626},{"text":"No.","start":69.985,"end":70.305,"sentiment":"neutral","sentiment_score":-0.09678076952695848}],"sentiment":"neutral","sentiment_score":0.007016953419555317,"num_words":22,"start":56.67,"end":70.305},{"sentences":[{"text":"Don't apologize.","start":70.305,"end":71.185005,"sentiment":"neutral","sentiment_score":-0.13380063325166702},{"text":"Does this time still like, does this time too?","start":71.185005,"end":73.525,"sentiment":"neutral","sentiment_score":-0.06033271219995287},{"text":"Is this time suitable?","start":75.985,"end":77.445,"sentiment":"neutral","sentiment_score":-0.031935978680849075},{"text":"Like, you're you're happy to chat now?","start":77.905,"end":79.985,"sentiment":"neutral","sentiment_score":0.038149391167930195},{"text":"Or yeah?","start":79.985,"end":82.0,"sentiment":"neutral","sentiment_score":0.028458526358008385}],"sentiment":"neutral","sentiment_score":-0.025599033338949084,"num_words":24,"start":70.305,"end":82.0},{"sentences":[{"text":"Okay.","start":82.0,"end":82.479996,"sentiment":"neutral","sentiment_score":0.1455051749944687},{"text":"Cool.","start":82.479996,"end":82.8,"sentiment":"neutral","sentiment_score":0.29347872734069824},{"text":"Good.","start":82.8,"end":83.3,"sentiment":"neutral","sentiment_score":0.2452465444803238},{"text":"So there's I guess, there's there's a a couple of things I I I wanna address.","start":84.479996,"end":88.0,"sentiment":"neutral","sentiment_score":0.02838996739592403},{"text":"I know that previously, you were speaking with one of my advisers, Tina.","start":88.0,"end":92.82,"sentiment":"neutral","sentiment_score":0.014738823788670393}],"sentiment":"neutral","sentiment_score":0.04156483232509345,"num_words":32,"start":82.0,"end":92.82},{"sentences":[{"text":"So I'm the head of financial advice at Oakview.","start":93.175,"end":96.215,"sentiment":"neutral","sentiment_score":0.04672721028327942},{"text":"Like I said, my name is Larissa.","start":96.215,"end":97.675,"sentiment":"neutral","sentiment_score":0.033948485872575214},{"text":"And with, I guess, regards to the circumstances that you're going through twelve months ago, the team just wanted, I guess, myself to jump on the phone and have a bit of a chat to you because it has been a bit of time since we last spoke, and you were going through quite a number of changes personally at the time.","start":98.615,"end":119.64,"sentiment":"neutral","sentiment_score":-0.0026476966487544197},{"text":"We want to make sure that, you know, the advice is still relevant and, obviously, get an update on your circumstances as well.","start":119.78,"end":127.505,"sentiment":"neutral","sentiment_score":0.30940700484358746},{"text":"So I guess the the best thing for me to do right now is, I guess, to ask how you're going, where you're at, and, I guess, what's happened for you over the last twelve months.","start":127.885,"end":138.98,"sentiment":"neutral","sentiment_score":0.2775291372090578}],"sentiment":"neutral","sentiment_score":0.12847764344790774,"num_words":137,"start":93.175,"end":138.98},{"sentences":[{"text":"Yep.","start":149.615,"end":150.115,"sentiment":"neutral","sentiment_score":0.035892002284526825},{"text":"Yeah.","start":170.91,"end":171.41,"sentiment":"neutral","sentiment_score":-0.004879012703895569},{"text":"They're okay.","start":171.95,"end":172.77,"sentiment":"neutral","sentiment_score":0.055966027081012726},{"text":"So where are you I guess, what what's your what's your address now that you're back in Australia?","start":174.795,"end":179.935,"sentiment":"neutral","sentiment_score":0.012591099521766106},{"text":"Yep.","start":185.03499,"end":185.53499,"sentiment":"neutral","sentiment_score":0.05566800385713577}],"sentiment":"neutral","sentiment_score":0.018489253869199234,"num_words":23,"start":149.615,"end":185.53499},{"sentences":[{"text":"Alright.","start":185.83499,"end":186.33499,"sentiment":"neutral","sentiment_score":0.16799305379390717},{"text":"Perfect.","start":186.39499,"end":186.89499,"sentiment":"neutral","sentiment_score":0.2987464666366577},{"text":"And, like, have you did did you separate from your partner, or are you are you, okay, separated with the intention of divorce or just temporarily separated at the moment?","start":188.38,"end":200.4,"sentiment":"neutral","sentiment_score":-0.007654787724216779},{"text":"Okay.","start":206.955,"end":207.455,"sentiment":"neutral","sentiment_score":-0.002934347838163376},{"text":"So with the separation, have you guys separated any of the assets that you hold?","start":208.235,"end":213.995,"sentiment":"neutral","sentiment_score":-0.024455230807264645}],"sentiment":"neutral","sentiment_score":-0.0027638941925639906,"num_words":48,"start":185.83499,"end":213.995},{"sentences":[{"text":"Because I know that you had both the primary residence and an investment property.","start":213.995,"end":218.51,"sentiment":"neutral","sentiment_score":-0.01916930837822812},{"text":"Okay.","start":222.56999,"end":222.89,"sentiment":"neutral","sentiment_score":-0.06950812041759491},{"text":"So no financial separation has occurred yet.","start":222.89,"end":225.31,"sentiment":"neutral","sentiment_score":-0.1393531220299857},{"text":"Alright.","start":227.37,"end":227.87,"sentiment":"neutral","sentiment_score":-0.0001930035650730133},{"text":"Is he residing in the same house as yourself?","start":227.93,"end":230.98999,"sentiment":"neutral","sentiment_score":-0.002497814285258452}],"sentiment":"neutral","sentiment_score":-0.041750738251721486,"num_words":32,"start":213.995,"end":230.98999},{"sentences":[{"text":"Okay.","start":235.905,"end":236.225,"sentiment":"neutral","sentiment_score":0.02593722566962242},{"text":"So it's just you and your son that are living at Gibson Court.","start":236.225,"end":240.725,"sentiment":"neutral","sentiment_score":0.03069113051662078},{"text":"Okay.","start":240.865,"end":241.365,"sentiment":"neutral","sentiment_score":0.04155251383781433},{"text":"Alright.","start":241.745,"end":242.245,"sentiment":"neutral","sentiment_score":0.057201139628887177},{"text":"And I know the, like, the investment property, you guys own 5050 together.","start":244.4,"end":249.86,"sentiment":"neutral","sentiment_score":0.048881057363290056}],"sentiment":"neutral","sentiment_score":0.03996997660604017,"num_words":29,"start":235.905,"end":249.86},{"sentences":[{"text":"Yeah.","start":252.0,"end":252.5,"sentiment":"neutral","sentiment_score":0.020253315567970276},{"text":"Is the like, have you guys in any way, shape, or form, like, talked about what separating finances look like?","start":253.44,"end":260.555,"sentiment":"neutral","sentiment_score":-0.016149549465626478},{"text":"Or because can I just I I guess I wanna confirm?","start":260.555,"end":276.67,"sentiment":"neutral","sentiment_score":-0.003352357582612471},{"text":"The 12 Gibson Court, is that yours or is that a a shared property?","start":277.53,"end":281.63,"sentiment":"neutral","sentiment_score":0.005101891301040139},{"text":"Like, do you have a 100% ownership?","start":281.93,"end":283.63,"sentiment":"neutral","sentiment_score":-0.0001862679075981889}],"sentiment":"neutral","sentiment_score":-0.0050847359300362615,"num_words":53,"start":252.0,"end":283.63},{"sentences":[{"text":"Okay.","start":286.605,"end":286.925,"sentiment":"neutral","sentiment_score":0.03084329515695572},{"text":"And then the investment property that you own, is that a shared property as well?","start":286.925,"end":290.705,"sentiment":"neutral","sentiment_score":0.028201270600159964},{"text":"Okay.","start":291.725,"end":292.225,"sentiment":"neutral","sentiment_score":0.01904577761888504},{"text":"And then he he owns a Ford Ranger, and then you have a Suzuki?","start":292.365,"end":297.82498,"sentiment":"neutral","sentiment_score":0.011811900085636548},{"text":"Alright.","start":316.285,"end":316.60498,"sentiment":"neutral","sentiment_score":0.018794139847159386}],"sentiment":"neutral","sentiment_score":0.020533402275759727,"num_words":32,"start":286.605,"end":316.60498},{"sentences":[{"text":"So, like, the he has a Toyota Hilux, but you're using it, and then there's the Suzuki Alto as well.","start":316.60498,"end":322.04498,"sentiment":"neutral","sentiment_score":0.009272425109520555},{"text":"Yeah.","start":322.04498,"end":322.54498,"sentiment":"neutral","sentiment_score":-0.014326294884085655},{"text":"Okay.","start":325.68002,"end":326.16,"sentiment":"neutral","sentiment_score":-0.05578712001442909},{"text":"So two so so both the vehicles you did have are no longer working.","start":326.16,"end":332.5,"sentiment":"neutral","sentiment_score":-0.07813948073557445},{"text":"No.","start":337.775,"end":338.01498,"sentiment":"neutral","sentiment_score":-0.06263529509305954}],"sentiment":"neutral","sentiment_score":-0.028141971299978526,"num_words":37,"start":316.60498,"end":338.01498},{"sentences":[{"text":"That's okay.","start":338.01498,"end":338.41498,"sentiment":"neutral","sentiment_score":-0.0254124877974391},{"text":"So are we just down to one one car between the two of you at the moment?","start":338.41498,"end":341.63498,"sentiment":"neutral","sentiment_score":-0.012389678069773842},{"text":"Yeah.","start":344.895,"end":345.395,"sentiment":"neutral","sentiment_score":-0.009587486274540424},{"text":"Alright.","start":348.19,"end":348.51,"sentiment":"neutral","sentiment_score":0.040099285542964935},{"text":"Sounds okay.","start":348.51,"end":349.23,"sentiment":"neutral","sentiment_score":0.04369327612221241}],"sentiment":"neutral","sentiment_score":-0.00624135440296453,"num_words":23,"start":338.01498,"end":349.23},{"sentences":[{"text":"And then the cryptocurrency, is that in your name or is that in joint names?","start":349.23,"end":353.89,"sentiment":"neutral","sentiment_score":-0.0011113152218361695},{"text":"In okay.","start":356.83002,"end":360.685,"sentiment":"neutral","sentiment_score":-0.0301776435226202},{"text":"So the crypto is his, not joint.","start":360.685,"end":363.26498,"sentiment":"neutral","sentiment_score":-0.017969628929027488},{"text":"Okay.","start":364.365,"end":364.865,"sentiment":"neutral","sentiment_score":-0.03856596350669861},{"text":"Okay.","start":365.32498,"end":365.82498,"sentiment":"neutral","sentiment_score":-0.008697512559592724}],"sentiment":"neutral","sentiment_score":-0.009618303613164104,"num_words":26,"start":349.23,"end":365.82498},{"sentences":[{"text":"Alright.","start":366.60498,"end":367.085,"sentiment":"neutral","sentiment_score":0.008945183828473091},{"text":"So with, I guess, respect to the other, like, the assets, probably a a bit of a bigger conversation as to what what we're gonna do splitting the assets and whether there is, like, grounds for, you know, what that looks like, whether we're gonna be amicable, you know, whether superannuation is gonna come into it and what that looks like overall.","start":367.085,"end":392.915,"sentiment":"neutral","sentiment_score":-0.004673521995784775},{"text":"Aside from that, I guess, you said you were back back working.","start":394.89502,"end":398.915,"sentiment":"neutral","sentiment_score":-0.017292259881893795},{"text":"Are you are you full time?","start":399.295,"end":404.4,"sentiment":"neutral","sentiment_score":-0.015285597648471594},{"text":"Because I know you're you're a teacher.","start":404.4,"end":405.52,"sentiment":"neutral","sentiment_score":-0.010096029378473759}],"sentiment":"neutral","sentiment_score":-0.007394387386739254,"num_words":88,"start":366.60498,"end":405.52},{"sentences":[{"text":"Are you full time teaching, or are we still part time?","start":405.52,"end":408.02,"sentiment":"neutral","sentiment_score":-0.011652433990754864},{"text":"Okay.","start":411.44,"end":411.91998,"sentiment":"neutral","sentiment_score":0.0053572505712509155},{"text":"Are you still sitting on that sort of $100,000 income?","start":411.91998,"end":416.285,"sentiment":"neutral","sentiment_score":0.0010421159677207466},{"text":"109?","start":419.465,"end":420.445,"sentiment":"neutral","sentiment_score":0.012533320114016531},{"text":"Okay.","start":421.945,"end":422.425,"sentiment":"neutral","sentiment_score":0.1878632605075836}],"sentiment":"neutral","sentiment_score":0.003666592373823125,"num_words":24,"start":405.52,"end":422.425},{"sentences":[{"text":"That's cool.","start":422.425,"end":423.225,"sentiment":"positive","sentiment_score":0.4648510068655014},{"text":"Excellent.","start":423.225,"end":423.725,"sentiment":"positive","sentiment_score":0.4302682876586914},{"text":"And then okay.","start":424.98502,"end":431.74,"sentiment":"neutral","sentiment_score":-0.05189434066414833},{"text":"Do you know what that's gonna go up to or not quite sure?","start":432.03998,"end":434.46,"sentiment":"neutral","sentiment_score":-0.028475802176846907},{"text":"115?","start":438.43997,"end":439.4,"sentiment":"neutral","sentiment_score":0.00266460282728076}],"sentiment":"neutral","sentiment_score":0.041838322696276006,"num_words":20,"start":422.425,"end":439.4},{"sentences":[{"text":"Okay.","start":439.4,"end":439.9,"sentiment":"neutral","sentiment_score":0.0776812732219696},{"text":"Perfect.","start":440.32498,"end":440.805,"sentiment":"neutral","sentiment_score":0.2744852304458618},{"text":"But right now, it's 109.","start":440.805,"end":442.345,"sentiment":"neutral","sentiment_score":0.08983679562807083},{"text":"Fantastic.","start":443.685,"end":444.185,"sentiment":"positive","sentiment_score":0.4761367738246918},{"text":"And the mortgage on the on Gibson Court, does that still sit around a 115,000?","start":444.245,"end":452.025,"sentiment":"neutral","sentiment_score":0.037162039522081615}],"sentiment":"neutral","sentiment_score":0.07977903688974354,"num_words":23,"start":439.4,"end":452.025},{"sentences":[{"text":"Yeah.","start":460.13,"end":460.63,"sentiment":"neutral","sentiment_score":0.005412004422396421},{"text":"Yes.","start":460.69,"end":461.19,"sentiment":"neutral","sentiment_score":0.006987339351326227},{"text":"So is it about 515,000 in the mortgage?","start":461.25,"end":464.79,"sentiment":"neutral","sentiment_score":-0.006052880431525409},{"text":"Alright.","start":469.755,"end":470.075,"sentiment":"neutral","sentiment_score":0.16176626086235046},{"text":"Cool.","start":470.075,"end":470.23502,"sentiment":"neutral","sentiment_score":0.2817968726158142}],"sentiment":"neutral","sentiment_score":0.033961619483307004,"num_words":12,"start":460.13,"end":470.23502},{"sentences":[{"text":"So we've paid off a little bit in the last twelve months.","start":470.23502,"end":472.075,"sentiment":"neutral","sentiment_score":0.17997007941206297},{"text":"Makes sense.","start":472.075,"end":472.555,"sentiment":"neutral","sentiment_score":0.26768410205841064},{"text":"And that's good.","start":472.555,"end":473.355,"sentiment":"positive","sentiment_score":0.49701255559921265},{"text":"Good.","start":473.355,"end":473.595,"sentiment":"positive","sentiment_score":0.5462310314178467},{"text":"Good.","start":473.595,"end":474.095,"sentiment":"positive","sentiment_score":0.45447081327438354}],"sentiment":"neutral","sentiment_score":0.27298677202902344,"num_words":19,"start":470.23502,"end":474.095},{"sentences":[{"text":"Okay.","start":474.795,"end":475.11502,"sentiment":"neutral","sentiment_score":0.2845023274421692},{"text":"So about nearly nearly 500 flats.","start":475.11502,"end":477.275,"sentiment":"neutral","sentiment_score":0.241176168123881},{"text":"That's excellent.","start":477.275,"end":478.095,"sentiment":"positive","sentiment_score":0.5587342977523804},{"text":"No.","start":485.56003,"end":485.88,"sentiment":"neutral","sentiment_score":-0.1503462791442871},{"text":"I didn't have another personal loan.","start":485.88,"end":487.40002,"sentiment":"neutral","sentiment_score":-0.11666681244969368}],"sentiment":"neutral","sentiment_score":0.12491754861548543,"num_words":16,"start":474.795,"end":487.40002},{"sentences":[{"text":"I was what was that to purchase the car?","start":487.40002,"end":490.52002,"sentiment":"neutral","sentiment_score":-0.08212322493394215},{"text":"Or okay.","start":490.52002,"end":496.915,"sentiment":"neutral","sentiment_score":-0.04621763713657856},{"text":"So you've got a personal loan here in Australia, and you purchased a property in The Philippines.","start":496.975,"end":502.595,"sentiment":"neutral","sentiment_score":-0.022551806753172594},{"text":"Whose name is the loan in?","start":502.73502,"end":504.915,"sentiment":"neutral","sentiment_score":-0.022246056857208412},{"text":"Joint names?","start":507.69,"end":508.40997,"sentiment":"neutral","sentiment_score":-0.034202272072434425}],"sentiment":"neutral","sentiment_score":-0.03935571941029695,"num_words":36,"start":487.40002,"end":508.40997},{"sentences":[{"text":"What's the what's the what's the debt?","start":508.40997,"end":511.62997,"sentiment":"neutral","sentiment_score":-0.05354516101734979},{"text":"What's the loan for?","start":512.33,"end":513.55,"sentiment":"neutral","sentiment_score":-0.03289857227355242},{"text":"So it's at $44.00, and now it's down to 17.","start":521.305,"end":524.285,"sentiment":"neutral","sentiment_score":-0.015259081777185202},{"text":"Okay.","start":524.505,"end":525.005,"sentiment":"neutral","sentiment_score":0.011347255669534206},{"text":"Alright.","start":526.34503,"end":526.84503,"sentiment":"neutral","sentiment_score":0.02341385744512081}],"sentiment":"neutral","sentiment_score":-0.027140874820558922,"num_words":23,"start":508.40997,"end":526.84503},{"sentences":[{"text":"And we have a property in The Philippines.","start":527.225,"end":528.925,"sentiment":"neutral","sentiment_score":0.012074674479663372},{"text":"Okay.","start":530.81006,"end":531.31006,"sentiment":"neutral","sentiment_score":0.008778572082519531},{"text":"Do you know what the property in The Philippines is valued at, Australian dollar?","start":531.85004,"end":535.63,"sentiment":"neutral","sentiment_score":-0.011840575241616793},{"text":"That's okay.","start":542.505,"end":543.245,"sentiment":"neutral","sentiment_score":0.0253183264285326},{"text":"And then I guess the follow-up question is, is the property in The Philippines, is that in your name or joint names?","start":543.70496,"end":548.20496,"sentiment":"neutral","sentiment_score":-0.014617835594849153}],"sentiment":"neutral","sentiment_score":-0.00704995352537074,"num_words":47,"start":527.225,"end":548.20496},{"sentences":[{"text":"Okay.","start":550.105,"end":550.605,"sentiment":"neutral","sentiment_score":-0.007015246897935867},{"text":"It's about $50,000 value.","start":561.24,"end":563.26,"sentiment":"neutral","sentiment_score":-0.02921962086111307},{"text":"Right?","start":563.32,"end":563.82,"sentiment":"neutral","sentiment_score":-0.02353382669389248},{"text":"Alright.","start":568.215,"end":568.615,"sentiment":"neutral","sentiment_score":-0.0132998526096344},{"text":"No.","start":568.615,"end":568.775,"sentiment":"neutral","sentiment_score":-0.06708361953496933}],"sentiment":"neutral","sentiment_score":-0.028476378647610545,"num_words":8,"start":550.105,"end":568.775},{"sentences":[{"text":"That's okay.","start":568.775,"end":569.41504,"sentiment":"neutral","sentiment_score":-0.024643358774483204},{"text":"That's alright.","start":569.41504,"end":569.97504,"sentiment":"neutral","sentiment_score":0.023707213811576366},{"text":"So it was about $50,000 value at the time.","start":569.97504,"end":573.675,"sentiment":"neutral","sentiment_score":-0.014726599057515463},{"text":"Alright.","start":573.735,"end":574.235,"sentiment":"neutral","sentiment_score":-0.00464413408190012},{"text":"So now with respect to, I guess, where we're at, I guess, the advice that we were looking to implement twelve months ago was centered around transferring your funds into, like, Hub twenty four and taking on an insurance policy.","start":575.09503,"end":597.395,"sentiment":"neutral","sentiment_score":0.030810161447152495}],"sentiment":"neutral","sentiment_score":0.02024723411779161,"num_words":54,"start":568.775,"end":597.395},{"sentences":[{"text":"And at the time, we we paused on everything because you were going through so much, and you sort of needed that time.","start":599.695,"end":608.39,"sentiment":"neutral","sentiment_score":-0.07055762361573137},{"text":"Now I know at the time you had gone through a bit of a a a health incident as well, and you had a quite a major concussion that had ongoing issues.","start":608.93,"end":619.75,"sentiment":"neutral","sentiment_score":-0.18069602083414793},{"text":"Has the concussion been resolved and has like, how are you going with your, like, brain, essentially?","start":620.595,"end":627.415,"sentiment":"neutral","sentiment_score":-0.2482665891156477},{"text":"Because that's where where I guess the issues were.","start":627.475,"end":630.375,"sentiment":"neutral","sentiment_score":-0.1997865488131841},{"text":"Okay.","start":669.295,"end":669.795,"sentiment":"neutral","sentiment_score":-0.03587287664413452}],"sentiment":"neutral","sentiment_score":-0.16414124196077265,"num_words":82,"start":599.695,"end":669.795},{"sentences":[{"text":"Are you under any treatment for migraine treatments?","start":669.935,"end":677.315,"sentiment":"neutral","sentiment_score":-0.03885789657942951},{"text":"And have they have they connected?","start":678.65497,"end":680.415,"sentiment":"neutral","sentiment_score":-0.01139845559373498},{"text":"Like, have they has it been determined by a doctor that the migraines were caused by, I guess, the incident that it did occur at the time?","start":680.415,"end":689.72003,"sentiment":"neutral","sentiment_score":-0.09213819565182482},{"text":"Okay.","start":708.52997,"end":709.02997,"sentiment":"neutral","sentiment_score":-0.058886587619781494},{"text":"And how often do you get the migraines?","start":709.97,"end":711.75,"sentiment":"neutral","sentiment_score":-0.1034323824569583}],"sentiment":"neutral","sentiment_score":-0.07506661672145128,"num_words":50,"start":669.935,"end":711.75},{"sentences":[{"text":"Okay.","start":742.89496,"end":743.39496,"sentiment":"neutral","sentiment_score":-0.04792101681232453},{"text":"Okay.","start":754.64996,"end":755.14996,"sentiment":"neutral","sentiment_score":-0.1366279125213623},{"text":"And yeah.","start":757.12994,"end":757.76996,"sentiment":"neutral","sentiment_score":-0.060825735330581665},{"text":"And with the I guess with the headaches, like, did you you did you get them before the incident that did occur twelve months ago?","start":757.76996,"end":767.52997,"sentiment":"neutral","sentiment_score":-0.06335962414741517},{"text":"Or yeah.","start":767.52997,"end":772.28503,"sentiment":"neutral","sentiment_score":-0.04932403564453125}],"sentiment":"neutral","sentiment_score":-0.0641560991925578,"num_words":31,"start":742.89496,"end":772.28503},{"sentences":[{"text":"Okay.","start":772.28503,"end":772.78503,"sentiment":"neutral","sentiment_score":-0.0018191039562225344},{"text":"Alright.","start":773.80505,"end":774.30505,"sentiment":"neutral","sentiment_score":0.035521864891052246},{"text":"Now I guess I because it's been twelve months and and there's been a few like, a number of changes that have happened, I need to go away and I need to have a look over everything again.","start":774.60504,"end":787.66,"sentiment":"neutral","sentiment_score":-0.1520265920185729},{"text":"There's been, you know, massive climate changes in the market, everything like that.","start":788.2,"end":791.08,"sentiment":"neutral","sentiment_score":-0.1437412712436456},{"text":"You've also had twelve months worth of changes to your current fund as well.","start":791.08,"end":795.66,"sentiment":"neutral","sentiment_score":-0.07038982598377126}],"sentiment":"neutral","sentiment_score":-0.1283194302344945,"num_words":67,"start":772.28503,"end":795.66},{"sentences":[{"text":"So if I can send you an email and get you to send through a statement from your Aware Superfund, just so I can get an update on where that account sits now twelve months down the line, that would be great.","start":796.04,"end":810.205,"sentiment":"neutral","sentiment_score":0.1614006371902568},{"text":"But aside from that, I guess, what I need to do is to confirm what your goals are right now and what you're trying to achieve.","start":810.905,"end":820.07,"sentiment":"neutral","sentiment_score":0.15768190630926535},{"text":"And do the divorce.","start":842.62,"end":843.68,"sentiment":"neutral","sentiment_score":-0.0689845709130168},{"text":"Yeah.","start":844.54,"end":845.04,"sentiment":"neutral","sentiment_score":-0.13491281867027283},{"text":"Absolutely.","start":859.675,"end":860.175,"sentiment":"neutral","sentiment_score":0.05662886053323746}],"sentiment":"neutral","sentiment_score":0.142220730868143,"num_words":74,"start":796.04,"end":860.175},{"sentences":[{"text":"Yeah.","start":880.105,"end":880.605,"sentiment":"neutral","sentiment_score":-0.1368977129459381},{"text":"Settle.","start":886.83997,"end":887.33997,"sentiment":"neutral","sentiment_score":-0.2093929946422577},{"text":"Yeah.","start":887.95996,"end":888.44,"sentiment":"neutral","sentiment_score":-0.10100515931844713},{"text":"Just realistically until they settle.","start":888.44,"end":890.54,"sentiment":"neutral","sentiment_score":-0.2840459167957306},{"text":"No.","start":891.0,"end":891.24,"sentiment":"neutral","sentiment_score":-0.1646181046962738}],"sentiment":"neutral","sentiment_score":-0.2257937283979522,"num_words":9,"start":880.105,"end":891.24},{"sentences":[{"text":"No.","start":891.24,"end":891.39996,"sentiment":"neutral","sentiment_score":-0.10989297926425934},{"text":"And look, is it calling up and and at least touching base and me me being able to get, I guess, a bit of an update on where you're at is good.","start":891.39996,"end":898.62,"sentiment":"neutral","sentiment_score":0.11149706179276109},{"text":"You know, still keeping, you know, in contact is really, really good.","start":899.245,"end":902.46497,"sentiment":"positive","sentiment_score":0.6306983108321825},{"text":"But, yeah, I I I was sort of kind of leaning a little bit that way as well.","start":902.925,"end":908.20496,"sentiment":"neutral","sentiment_score":0.1212964209003581},{"text":"Like, I can always have a look at things, but to be able to, I guess, have a really good picture as to where everything is sitting for you and to be able to move forward, I do sort of need to have a bit of a solid idea as to what we're gonna do with the finances.","start":908.20496,"end":922.35004,"sentiment":"neutral","sentiment_score":0.28202660336833574}],"sentiment":"neutral","sentiment_score":0.24435761404677855,"num_words":121,"start":891.24,"end":922.35004},{"sentences":[{"text":"So once you do have a bit of a more solid plan on the finance side of things, we could definitely move forward and and have a look at it.","start":923.385,"end":930.36505,"sentiment":"neutral","sentiment_score":0.22896713328858218},{"text":"But I guess yeah.","start":930.585,"end":931.385,"sentiment":"neutral","sentiment_score":0.022531385999172926},{"text":"Just right now, it's a little bit a little bit up in the air.","start":931.385,"end":934.36505,"sentiment":"neutral","sentiment_score":-0.07293889046247516},{"text":"And so, I guess, you've had a chance to sit down and talk with your ex about it.","start":934.825,"end":939.21,"sentiment":"neutral","sentiment_score":-0.06083490875446134},{"text":"It does make things a little bit difficult.","start":940.23,"end":941.93,"sentiment":"neutral","sentiment_score":-0.24767362885177135}],"sentiment":"neutral","sentiment_score":0.03866996875385175,"num_words":74,"start":923.385,"end":941.93},{"sentences":[{"text":"Yeah.","start":964.66,"end":965.16,"sentiment":"neutral","sentiment_score":-0.0803760513663292},{"text":"No.","start":967.3,"end":967.54,"sentiment":"neutral","sentiment_score":-0.1069619357585907},{"text":"That's okay.","start":967.54,"end":968.36,"sentiment":"neutral","sentiment_score":-0.049838654696941376},{"text":"Well, but how about would you like me to sort of maybe put in my calendar to touch base with you in six months or so?","start":969.06,"end":975.22,"sentiment":"neutral","sentiment_score":0.08376761640493686},{"text":"And if you end up having an answer before then, then you can always reach out to me.","start":975.22,"end":979.655,"sentiment":"neutral","sentiment_score":0.052243473629156746}],"sentiment":"neutral","sentiment_score":0.058985942819466196,"num_words":48,"start":964.66,"end":979.655},{"sentences":[{"text":"But, otherwise, I'll just I'll just I can just be a friendly friendly touch base in six months when you've had a chance to really sit down and talk about our finances, and what that looks like.","start":980.035,"end":990.535,"sentiment":"neutral","sentiment_score":0.12457675350880301},{"text":"Yeah.","start":992.94,"end":993.34,"sentiment":"positive","sentiment_score":0.36576008796691895},{"text":"Alright.","start":993.34,"end":993.74005,"sentiment":"positive","sentiment_score":0.4304843842983246},{"text":"Perfect.","start":993.74005,"end":994.22003,"sentiment":"positive","sentiment_score":0.5932721495628357},{"text":"We can do that.","start":994.22003,"end":995.2,"sentiment":"positive","sentiment_score":0.48091141879558563}],"sentiment":"neutral","sentiment_score":0.18005686765536666,"num_words":44,"start":980.035,"end":995.2},{"sentences":[{"text":"And for now, at least I have a bit of an update on where you're at and what's happened over the last twelve months.","start":995.58,"end":1000.80005,"sentiment":"neutral","sentiment_score":0.23294434572259584},{"text":"And then, yeah, I can touch base with you in sort of six months' 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call.","start":1016.05493,"end":1019.27496,"sentiment":"positive","sentiment_score":0.40164805203676224},{"text":"That's okay.","start":1021.25494,"end":1021.9749,"sentiment":"positive","sentiment_score":0.34958697855472565},{"text":"Bye, Lotte.","start":1021.9749,"end":1022.7949,"sentiment":"positive","sentiment_score":0.35710421204566956},{"text":"You too.","start":1023.49493,"end":1024.2349,"sentiment":"positive","sentiment_score":0.4377264827489853}],"sentiment":"positive","sentiment_score":0.35652666091918944,"num_words":20,"start":1015.25494,"end":1024.2349},{"sentences":[{"text":"Bye.","start":1024.5349,"end":1025.0349,"sentiment":"neutral","sentiment_score":-0.11915161460638046}],"sentiment":"neutral","sentiment_score":-0.11915161460638046,"num_words":1,"start":1024.5349,"end":1025.0349}]}}]},{"alternatives":[{"transcript":"Hello? I've got Lortie. Are you ready for Lortie? Yeah. So she's called in. I haven't completed security just because she's not technically a client right now, and I haven't confirmed any of the new details. I don't think that would match. But yeah. Okay. Yep. Okay. Sounds good. Do you know the background about this lady? Yeah. Okay. Alright. Sweet. Are you all good ready for the call? Alright. 321, you have Lottie. Hi, Marissa. Good. Thanks. Yourself? Sorry. I keep on missing your call. I was thinking one block time. No. That's fine. Sorry. Sorry? Yes. Yes, ma'am. I I actually came back, like, I think I was I only ended up in The Philippines for a month. I came back. I started working part time after then after I don't know how long when I was able to actually get my son back to his day care. That's when I started going back full time. I don't think you asked. I don't know. My brain doesn't work. I'm still the same. I'm still in the same house. I talked to some court. We are separated. Can't really sit there at the moment. Still waiting for all the time. Yeah. No. Not yet. We haven't done anything yet. No. Not yet. No. He's actually the agreement did comply. Yes. Yes. No. We actually haven't talked about anything yet with regards to the all the assets that we have. No. It's a shared property. Yes. The Ford Ranger is no longer working. So he has a new vehicle, which is the she's a Toyota Hilux, but I'm the one using it. Yeah. The Suzuki Alto, he broke it. He yes. Yes. Because he doesn't need one where he is at the moment. It is only his name. I have no idea now with what's going on with this crypto. Not mine. No. Not mine. Yes. I'm going back to full time. Oh, yeah. 109. Yeah. I'm about to I'm about to have another increase again in the next couple of months. I think it's gonna go a 115. Sorry. In Gibson Court, that's still 500,000. I think it's already 502, 501, something like that. Yes. But I don't know if I have mentioned to you about the other personal loan that we have. No. We purchased another property in The Philippines. Yes. Both of our names. The loan was 14. Now it's down to give me a second. 17. Yep. Yep. Let me have a look. So let me joint names. Exchange rate. So it's about $50. That's when we bought it, but I don't know now. Yes. Yes. Yes. Yeah. It's still it's still bad, though. With the concussion, I still have headaches. So I'm really thinking of, like, there's if there's a like, with my subconscious, do I have to it hasn't really changed. Like, it's not I don't know if it's as bad as last year or a little bit different. Well, although when I last when I have last spoken to you, probably that was at the time of the incident that was really bad. So it has been reduced or minimized just a little bit, but, yeah, it's still ongoing. Migraine. Yes. It has it has impacted because I haven't had delayed migraines. Yeah. That's what, yeah, that's what my daughter has told me. I got migraine. I have to say, actually, because I got headaches most of this in group day. But it's when it's when it's, like, proper migraine, migraine, migraine. I don't know. Once a month or once every three months, like papa papa migraine. But just headaches are just yeah. Every day, headaches, not not as papa papa because I'm not life sensitive. I'm not I'm not and migraines. No. I actually had it after the incident. Yes. To be honest, I still don't know with with regards to my circumstances right now because it might dramatically change. So I am probably just touching base whether I will be able to return to the probably, I will most likely sign up after we separate all of the assets and what's going. I absolutely have no idea what's happening. We haven't talked about it yet. But, yeah, I have spoken to my lawyer already, but then I don't know what's gonna happen next to them. So hopefully sign up as soon as I have all the details and other stuff. And, also, I just had my insurance as well with the with the wear, but I don't know how how it is going to affect another stuff. So, probably, I just have to wait till my circumstance will change. Unfortunately yeah. Yeah. Yes. Yeah. Yep. That's a I I absolutely understand that because I was like, I have no idea as well what's what's gonna happen after after this because we haven't really started talking about assets. We we just started about, yeah, with the separation, but other than that, that's it. Because, yeah, I don't know yet. I don't have any answers to that as well. Oh, sure. Okay. Yep. That sounds great. Okay. Thank you very much. Thank you. Bye. 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I've got Lortie. Are you ready for Lortie? Yeah. So she's called in.\n\nI haven't completed security just because she's not technically a client right now, and I haven't confirmed any of the new details. I don't think that would match. But yeah. Okay. Yep.\n\nOkay. Sounds good. Do you know the background about this lady? Yeah. Okay.\n\nAlright. Sweet. Are you all good ready for the call? Alright. 321, you have Lottie.\n\nHi, Marissa. Good. Thanks. Yourself? Sorry.\n\nI keep on missing your call. I was thinking one block time. No. That's fine. Sorry.\n\nSorry? Yes. Yes, ma'am. I I actually came back, like, I think I was I only ended up in The Philippines for a month. I came back.\n\nI started working part time after then after I don't know how long when I was able to actually get my son back to his day care. That's when I started going back full time. I don't think you asked. I don't know. My brain doesn't work.\n\nI'm still the same. I'm still in the same house. I talked to some court. We are separated. Can't really sit there at the moment.\n\nStill waiting for all the time. Yeah. No. Not yet. We haven't done anything yet.\n\nNo. Not yet. No. He's actually the agreement did comply. Yes.\n\nYes. No. We actually haven't talked about anything yet with regards to the all the assets that we have. No. It's a shared property.\n\nYes. The Ford Ranger is no longer working. So he has a new vehicle, which is the she's a Toyota Hilux, but I'm the one using it. Yeah. The Suzuki Alto, he broke it.\n\nHe yes. Yes. Because he doesn't need one where he is at the moment. It is only his name. I have no idea now with what's going on with this crypto.\n\nNot mine. No. Not mine. Yes. I'm going back to full time.\n\nOh, yeah. 109. Yeah. I'm about to I'm about to have another increase again in the next couple of months. I think it's gonna go a 115.\n\nSorry. In Gibson Court, that's still 500,000. I think it's already 502, 501, something like that. Yes. But I don't know if I have mentioned to you about the other personal loan that we have.\n\nNo. We purchased another property in The Philippines. Yes. Both of our names. The loan was 14.\n\nNow it's down to give me a second. 17. Yep. Yep. Let me have a look.\n\nSo let me joint names. Exchange rate. So it's about $50. That's when we bought it, but I don't know now. Yes.\n\nYes. Yes. Yeah. It's still it's still bad, though. With the concussion, I still have headaches.\n\nSo I'm really thinking of, like, there's if there's a like, with my subconscious, do I have to it hasn't really changed. Like, it's not I don't know if it's as bad as last year or a little bit different. Well, although when I last when I have last spoken to you, probably that was at the time of the incident that was really bad. So it has been reduced or minimized just a little bit, but, yeah, it's still ongoing. Migraine.\n\nYes. It has it has impacted because I haven't had delayed migraines. Yeah. That's what, yeah, that's what my daughter has told me. I got migraine.\n\nI have to say, actually, because I got headaches most of this in group day. But it's when it's when it's, like, proper migraine, migraine, migraine. I don't know. Once a month or once every three months, like papa papa migraine. But just headaches are just yeah.\n\nEvery day, headaches, not not as papa papa because I'm not life sensitive. I'm not I'm not and migraines. No. I actually had it after the incident. Yes.\n\nTo be honest, I still don't know with with regards to my circumstances right now because it might dramatically change. So I am probably just touching base whether I will be able to return to the probably, I will most likely sign up after we separate all of the assets and what's going. I absolutely have no idea what's happening. We haven't talked about it yet. But, yeah, I have spoken to my lawyer already, but then I don't know what's gonna happen next to them.\n\nSo hopefully sign up as soon as I have all the details and other stuff. And, also, I just had my insurance as well with the with the wear, but I don't know how how it is going to affect another stuff. So, probably, I just have to wait till my circumstance will change. Unfortunately yeah. Yeah.\n\nYes. Yeah. Yep. That's a I I absolutely understand that because I was like, I have no idea as well what's what's gonna happen after after this because we haven't really started talking about assets. We we just started about, yeah, with the separation, but other than that, that's it.\n\nBecause, yeah, I don't know yet. I don't have any answers to that as well. Oh, sure. Okay. Yep.\n\nThat sounds great. Okay. Thank you very much. Thank you. Bye.\n\nHave a great day.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.48,"end":2.98,"sentiment":"neutral","sentiment_score":0.029800843447446823},{"text":"I've got Lortie.","start":5.04,"end":6.18,"sentiment":"neutral","sentiment_score":0.15704183280467987},{"text":"Are you ready for Lortie?","start":10.0,"end":11.38,"sentiment":"neutral","sentiment_score":0.13343839198350907},{"text":"Yeah.","start":14.655001,"end":15.055,"sentiment":"neutral","sentiment_score":0.09667133539915083},{"text":"So she's called in.","start":15.055,"end":15.935,"sentiment":"neutral","sentiment_score":0.019735826877877116}],"sentiment":"neutral","sentiment_score":0.09598092462069222,"num_words":14,"start":2.48,"end":15.935},{"sentences":[{"text":"I haven't completed security just because she's not technically a client right now, and I haven't confirmed any of the new details.","start":15.935,"end":23.615,"sentiment":"neutral","sentiment_score":-0.0831490753387863},{"text":"I don't think that 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ma'am.","start":81.06,"end":81.88,"sentiment":"neutral","sentiment_score":0.0564846433699131},{"text":"I I actually came back, like, I think I was I only ended up in The Philippines for a month.","start":141.14,"end":148.925,"sentiment":"neutral","sentiment_score":-0.016412559803575276},{"text":"I came back.","start":149.465,"end":150.505,"sentiment":"neutral","sentiment_score":0.00992046482861042}],"sentiment":"neutral","sentiment_score":-0.007698028313892859,"num_words":27,"start":74.979996,"end":150.505},{"sentences":[{"text":"I started working part time after then after I don't know how long when I was able to actually get my son back to his day care.","start":150.505,"end":161.77,"sentiment":"neutral","sentiment_score":-0.00820392397818742},{"text":"That's when I started going back full time.","start":161.77,"end":164.11,"sentiment":"neutral","sentiment_score":-0.08456666860729456},{"text":"I don't think you asked.","start":167.85,"end":168.81,"sentiment":"neutral","sentiment_score":-0.18449667990207672},{"text":"I don't know.","start":168.81,"end":169.63,"sentiment":"neutral","sentiment_score":-0.30795039733250934},{"text":"My brain doesn't work.","start":170.17,"end":171.195,"sentiment":"negative","sentiment_score":-0.5311044752597809}],"sentiment":"neutral","sentiment_score":-0.10359131465566919,"num_words":47,"start":150.505,"end":171.195},{"sentences":[{"text":"I'm still the same.","start":180.475,"end":181.595,"sentiment":"neutral","sentiment_score":-0.011537907645106316},{"text":"I'm still in the same house.","start":181.595,"end":182.975,"sentiment":"neutral","sentiment_score":0.012123713580270609},{"text":"I talked to some court.","start":183.195,"end":184.53,"sentiment":"neutral","sentiment_score":-0.004311226308345795},{"text":"We are separated.","start":193.65,"end":194.55,"sentiment":"neutral","sentiment_score":-0.04110173384348551},{"text":"Can't really sit there at the moment.","start":200.74501,"end":202.74501,"sentiment":"neutral","sentiment_score":-0.19105520418712071}],"sentiment":"neutral","sentiment_score":-0.058226284459233286,"num_words":25,"start":180.475,"end":202.74501},{"sentences":[{"text":"Still waiting for all the time.","start":202.74501,"end":204.60501,"sentiment":"neutral","sentiment_score":-0.12061269457141559},{"text":"Yeah.","start":218.98,"end":219.37999,"sentiment":"neutral","sentiment_score":-0.04213229566812515},{"text":"No.","start":219.37999,"end":219.7,"sentiment":"neutral","sentiment_score":-0.10790862143039703},{"text":"Not yet.","start":219.7,"end":220.09999,"sentiment":"neutral","sentiment_score":-0.13885744661092758},{"text":"We haven't done anything yet.","start":220.09999,"end":221.64,"sentiment":"neutral","sentiment_score":-0.19546657502651216}],"sentiment":"neutral","sentiment_score":-0.1419176568587621,"num_words":15,"start":202.74501,"end":221.64},{"sentences":[{"text":"No.","start":226.09999,"end":226.26,"sentiment":"neutral","sentiment_score":-0.13491138815879822},{"text":"Not yet.","start":226.26,"end":226.995,"sentiment":"neutral","sentiment_score":-0.1075873002409935},{"text":"No.","start":232.03499,"end":232.53499,"sentiment":"neutral","sentiment_score":-0.0384952500462532},{"text":"He's actually the agreement did comply.","start":232.595,"end":234.935,"sentiment":"neutral","sentiment_score":0.01075852212185661},{"text":"Yes.","start":240.03499,"end":240.45,"sentiment":"neutral","sentiment_score":0.02680506743490696}],"sentiment":"neutral","sentiment_score":-0.027020458047362892,"num_words":11,"start":226.09999,"end":240.45},{"sentences":[{"text":"Yes.","start":251.09,"end":251.59,"sentiment":"neutral","sentiment_score":0.039199862629175186},{"text":"No.","start":263.025,"end":263.345,"sentiment":"neutral","sentiment_score":-0.16491541266441345},{"text":"We actually haven't talked about anything yet with regards to the all the assets that we have.","start":263.345,"end":272.46,"sentiment":"neutral","sentiment_score":-0.08300407318507924},{"text":"No.","start":284.295,"end":284.535,"sentiment":"neutral","sentiment_score":-0.032156385481357574},{"text":"It's a shared property.","start":284.535,"end":286.075,"sentiment":"neutral","sentiment_score":-0.018621919443830848}],"sentiment":"neutral","sentiment_score":-0.06847620239326109,"num_words":24,"start":251.09,"end":286.075},{"sentences":[{"text":"Yes.","start":290.135,"end":290.635,"sentiment":"neutral","sentiment_score":0.03800491988658905},{"text":"The Ford Ranger is no longer working.","start":300.66,"end":302.92,"sentiment":"neutral","sentiment_score":-0.1599565095135144},{"text":"So he has a new vehicle, which is the she's a Toyota Hilux, but I'm the one using it.","start":303.38,"end":314.36502,"sentiment":"neutral","sentiment_score":-0.056963277686583366},{"text":"Yeah.","start":321.065,"end":321.565,"sentiment":"neutral","sentiment_score":0.012417876161634922},{"text":"The Suzuki Alto, he broke it.","start":322.87997,"end":325.06,"sentiment":"neutral","sentiment_score":-0.08003431496520837}],"sentiment":"neutral","sentiment_score":-0.07740532165831503,"num_words":34,"start":290.135,"end":325.06},{"sentences":[{"text":"He yes.","start":332.47,"end":333.62,"sentiment":"neutral","sentiment_score":-0.02068338543176651},{"text":"Yes.","start":343.775,"end":344.275,"sentiment":"neutral","sentiment_score":0.00627121003344655},{"text":"Because he doesn't need one where he is at the moment.","start":344.495,"end":347.555,"sentiment":"neutral","sentiment_score":-0.035463882610201836},{"text":"It is only his name.","start":354.18002,"end":356.5,"sentiment":"neutral","sentiment_score":-0.025533474609255792},{"text":"I have no idea now with what's going on with this crypto.","start":356.5,"end":359.88,"sentiment":"neutral","sentiment_score":-0.09205288114026189}],"sentiment":"neutral","sentiment_score":-0.053467748911991235,"num_words":31,"start":332.47,"end":359.88},{"sentences":[{"text":"Not mine.","start":363.335,"end":363.97498,"sentiment":"neutral","sentiment_score":-0.0338064469397068},{"text":"No.","start":363.97498,"end":364.215,"sentiment":"neutral","sentiment_score":-0.05260313302278519},{"text":"Not mine.","start":364.215,"end":364.955,"sentiment":"neutral","sentiment_score":-0.04181794635951519},{"text":"Yes.","start":407.39,"end":407.89,"sentiment":"neutral","sentiment_score":-0.003492997493594885},{"text":"I'm going back to full time.","start":409.39,"end":411.24503,"sentiment":"neutral","sentiment_score":-0.02507186122238636}],"sentiment":"neutral","sentiment_score":-0.029814673704095185,"num_words":12,"start":363.335,"end":411.24503},{"sentences":[{"text":"Oh, yeah.","start":415.785,"end":417.625,"sentiment":"neutral","sentiment_score":0.01967020332813263},{"text":"109.","start":417.625,"end":418.845,"sentiment":"neutral","sentiment_score":0.009594202041625977},{"text":"Yeah.","start":421.14502,"end":421.64502,"sentiment":"neutral","sentiment_score":0.077612966299057},{"text":"I'm about to I'm about to have another increase again in the next couple of months.","start":424.98502,"end":430.5,"sentiment":"neutral","sentiment_score":-0.09608290903270245},{"text":"I think it's gonna go a 115.","start":435.36,"end":437.86,"sentiment":"neutral","sentiment_score":-0.004937377246928268}],"sentiment":"neutral","sentiment_score":-0.053531133713140326,"num_words":27,"start":415.785,"end":437.86},{"sentences":[{"text":"Sorry.","start":454.49,"end":454.99,"sentiment":"neutral","sentiment_score":-0.0368943065404892},{"text":"In Gibson Court, that's still 500,000.","start":455.45,"end":459.07,"sentiment":"neutral","sentiment_score":-0.01263721939176321},{"text":"I think it's already 502, 501, something like that.","start":465.37,"end":469.835,"sentiment":"neutral","sentiment_score":-0.006600359584101372},{"text":"Yes.","start":478.215,"end":478.455,"sentiment":"neutral","sentiment_score":0.08203499019145966},{"text":"But I don't know if I have mentioned to you about the other personal loan that we have.","start":478.455,"end":484.17,"sentiment":"neutral","sentiment_score":-0.07335867236057918}],"sentiment":"neutral","sentiment_score":-0.040301199184198465,"num_words":35,"start":454.49,"end":484.17},{"sentences":[{"text":"No.","start":492.15002,"end":492.47,"sentiment":"neutral","sentiment_score":-0.10920809954404832},{"text":"We purchased another property in The Philippines.","start":492.47,"end":494.89,"sentiment":"neutral","sentiment_score":-0.09136071375438146},{"text":"Yes.","start":503.405,"end":503.905,"sentiment":"neutral","sentiment_score":-0.01792563498020172},{"text":"Both of our names.","start":506.045,"end":507.345,"sentiment":"neutral","sentiment_score":-0.033033329993486404},{"text":"The loan was 14.","start":514.47003,"end":516.17,"sentiment":"neutral","sentiment_score":-0.025526360142976046}],"sentiment":"neutral","sentiment_score":-0.05887632302063353,"num_words":17,"start":492.15002,"end":516.17},{"sentences":[{"text":"Now it's down to give me a second.","start":516.23,"end":519.43,"sentiment":"neutral","sentiment_score":-0.02531771524809301},{"text":"17.","start":519.43,"end":519.93,"sentiment":"neutral","sentiment_score":-0.010528403334319592},{"text":"Yep.","start":524.955,"end":525.455,"sentiment":"neutral","sentiment_score":0.015659211203455925},{"text":"Yep.","start":529.67505,"end":530.17505,"sentiment":"neutral","sentiment_score":0.01780707575380802},{"text":"Let me have a look.","start":539.81,"end":542.99,"sentiment":"neutral","sentiment_score":-0.0027377793565392496}],"sentiment":"neutral","sentiment_score":-0.012080795946530998,"num_words":16,"start":516.23,"end":542.99},{"sentences":[{"text":"So let me joint names.","start":544.13,"end":549.75,"sentiment":"neutral","sentiment_score":-0.01083772610872984},{"text":"Exchange rate.","start":554.615,"end":555.755,"sentiment":"neutral","sentiment_score":-0.013381017372012138},{"text":"So it's about $50.","start":558.21497,"end":559.995,"sentiment":"neutral","sentiment_score":-0.020413224352523685},{"text":"That's when we bought it, but I don't know now.","start":565.38,"end":567.8,"sentiment":"neutral","sentiment_score":-0.07867224775254726},{"text":"Yes.","start":593.69,"end":594.19,"sentiment":"neutral","sentiment_score":0.044829774647951126}],"sentiment":"neutral","sentiment_score":-0.04111346661705862,"num_words":22,"start":544.13,"end":594.19},{"sentences":[{"text":"Yes.","start":598.41003,"end":598.91003,"sentiment":"neutral","sentiment_score":0.02289203740656376},{"text":"Yes.","start":605.45,"end":605.745,"sentiment":"neutral","sentiment_score":-0.02580462209880352},{"text":"Yeah.","start":609.425,"end":609.925,"sentiment":"neutral","sentiment_score":-0.054888639599084854},{"text":"It's still it's still bad, though.","start":632.35504,"end":634.515,"sentiment":"negative","sentiment_score":-0.4851307471593221},{"text":"With the concussion, I still have headaches.","start":634.515,"end":636.935,"sentiment":"negative","sentiment_score":-0.5373548439570835}],"sentiment":"negative","sentiment_score":-0.42062935093417764,"num_words":16,"start":598.41003,"end":636.935},{"sentences":[{"text":"So I'm really thinking of, like, there's if there's a like, with my subconscious, do I have to it hasn't really changed.","start":636.995,"end":645.315,"sentiment":"negative","sentiment_score":-0.3653270500627431},{"text":"Like, it's not I don't know if it's as bad as last year or a little bit different.","start":645.315,"end":652.96,"sentiment":"negative","sentiment_score":-0.3590500205755234},{"text":"Well, although when I last when I have last spoken to you, probably that was at the time of the incident that was really bad.","start":653.18005,"end":661.315,"sentiment":"neutral","sentiment_score":-0.22478140532970428},{"text":"So it has been reduced or minimized just a little bit, but, yeah, it's still ongoing.","start":661.315,"end":668.215,"sentiment":"neutral","sentiment_score":-0.24979553278535604},{"text":"Migraine.","start":674.57,"end":675.07,"sentiment":"neutral","sentiment_score":-0.050598978996276855}],"sentiment":"neutral","sentiment_score":-0.2947190013237116,"num_words":82,"start":636.995,"end":675.07},{"sentences":[{"text":"Yes.","start":692.995,"end":693.495,"sentiment":"neutral","sentiment_score":-0.11370860040187836},{"text":"It has it has impacted because I haven't had delayed migraines.","start":694.275,"end":701.335,"sentiment":"negative","sentiment_score":-0.4227494868365201},{"text":"Yeah.","start":703.61,"end":703.93,"sentiment":"neutral","sentiment_score":-0.18539641797542572},{"text":"That's what, yeah, that's what my daughter has told me.","start":703.93,"end":706.64996,"sentiment":"neutral","sentiment_score":-0.15533728376030922},{"text":"I got migraine.","start":706.64996,"end":707.55,"sentiment":"neutral","sentiment_score":-0.16300604244073233}],"sentiment":"neutral","sentiment_score":-0.26891308994247365,"num_words":26,"start":692.995,"end":707.55},{"sentences":[{"text":"I have to say, actually, because I got headaches most of this in group day.","start":715.96497,"end":721.745,"sentiment":"neutral","sentiment_score":-0.14643793006738026},{"text":"But it's when it's when it's, like, proper migraine, migraine, migraine.","start":722.365,"end":731.23004,"sentiment":"neutral","sentiment_score":-0.11855261231010611},{"text":"I don't know.","start":736.09,"end":736.81,"sentiment":"neutral","sentiment_score":-0.16679987808068594},{"text":"Once a month or once every three months, like papa papa migraine.","start":736.81,"end":742.07495,"sentiment":"neutral","sentiment_score":-0.07517590684195359},{"text":"But just headaches are just yeah.","start":743.175,"end":747.01495,"sentiment":"neutral","sentiment_score":-0.11925191183884938}],"sentiment":"neutral","sentiment_score":-0.11954616327235039,"num_words":47,"start":715.96497,"end":747.01495},{"sentences":[{"text":"Every day, headaches, not not as papa papa because I'm not life sensitive.","start":747.01495,"end":752.39496,"sentiment":"neutral","sentiment_score":-0.28030342092880833},{"text":"I'm not I'm not and migraines.","start":753.095,"end":756.39496,"sentiment":"neutral","sentiment_score":-0.17868221799532572},{"text":"No.","start":768.91003,"end":769.23,"sentiment":"neutral","sentiment_score":-0.14587007462978363},{"text":"I actually had it after the incident.","start":769.23,"end":771.25,"sentiment":"neutral","sentiment_score":-0.13360140791961125},{"text":"Yes.","start":809.595,"end":810.095,"sentiment":"neutral","sentiment_score":0.2604398727416992}],"sentiment":"neutral","sentiment_score":-0.19773849419185094,"num_words":28,"start":747.01495,"end":810.095},{"sentences":[{"text":"To be honest, I still don't know with with regards to my circumstances right now because it might dramatically change.","start":822.21,"end":829.03,"sentiment":"neutral","sentiment_score":-0.23734317496418952},{"text":"So I am probably just touching base whether I will be able to return to the probably, I will most likely sign up after we separate all of the assets and what's going.","start":829.09,"end":843.385,"sentiment":"neutral","sentiment_score":-0.08759304485989339},{"text":"I absolutely have no idea what's happening.","start":845.9,"end":848.86005,"sentiment":"neutral","sentiment_score":-0.2663335864033018},{"text":"We haven't talked about it yet.","start":848.86005,"end":850.56,"sentiment":"neutral","sentiment_score":-0.22163534412781397},{"text":"But, yeah, I have spoken to my lawyer already, but then I don't know what's gonna happen next to them.","start":851.34,"end":858.30005,"sentiment":"neutral","sentiment_score":-0.16963111497461797}],"sentiment":"neutral","sentiment_score":-0.1653977145202631,"num_words":86,"start":822.21,"end":858.30005},{"sentences":[{"text":"So hopefully sign up as soon as I have all the details and other stuff.","start":858.30005,"end":865.875,"sentiment":"neutral","sentiment_score":0.07073085581262907},{"text":"And, also, I just had my insurance as well with the with the wear, but I don't know how how it is going to affect another stuff.","start":866.73505,"end":878.65,"sentiment":"neutral","sentiment_score":-0.21536216719282997},{"text":"So, probably, I just have to wait till my circumstance will change.","start":878.65,"end":886.91003,"sentiment":"neutral","sentiment_score":-0.2470101211220026},{"text":"Unfortunately yeah.","start":889.51495,"end":891.295,"sentiment":"neutral","sentiment_score":-0.1771075427532196},{"text":"Yeah.","start":929.795,"end":930.295,"sentiment":"neutral","sentiment_score":0.0726718008518219}],"sentiment":"neutral","sentiment_score":-0.140341761669046,"num_words":57,"start":858.30005,"end":930.295},{"sentences":[{"text":"Yes.","start":930.995,"end":931.35,"sentiment":"neutral","sentiment_score":0.0507064089179039},{"text":"Yeah.","start":935.11,"end":935.61,"sentiment":"neutral","sentiment_score":-0.026745935901999474},{"text":"Yep.","start":942.70996,"end":943.20996,"sentiment":"neutral","sentiment_score":-0.021148409694433212},{"text":"That's a I I absolutely understand that because I was like, I have no idea as well what's what's gonna happen after after this because we haven't really started talking about assets.","start":943.445,"end":955.38,"sentiment":"neutral","sentiment_score":-0.1250785756856203},{"text":"We we just started about, yeah, with the separation, but other than that, that's it.","start":955.38,"end":960.66003,"sentiment":"neutral","sentiment_score":-0.10234385083119074}],"sentiment":"neutral","sentiment_score":-0.1106972024217248,"num_words":50,"start":930.995,"end":960.66003},{"sentences":[{"text":"Because, yeah, I don't know yet.","start":960.66003,"end":963.48,"sentiment":"neutral","sentiment_score":-0.10550695036848386},{"text":"I don't have any answers to that as well.","start":964.1,"end":966.2,"sentiment":"neutral","sentiment_score":-0.10665013558334774},{"text":"Oh, sure.","start":980.375,"end":981.09503,"sentiment":"neutral","sentiment_score":0.07484680414199829},{"text":"Okay.","start":981.09503,"end":981.59503,"sentiment":"neutral","sentiment_score":0.09923524409532548},{"text":"Yep.","start":991.12,"end":991.27997,"sentiment":"neutral","sentiment_score":0.3120597302913666}],"sentiment":"neutral","sentiment_score":-0.05431075472580759,"num_words":19,"start":960.66003,"end":991.27997},{"sentences":[{"text":"That sounds great.","start":991.27997,"end":992.42,"sentiment":"positive","sentiment_score":0.5914235512415568},{"text":"Okay.","start":1012.76,"end":1013.16003,"sentiment":"positive","sentiment_score":0.37152743339538574},{"text":"Thank you very much.","start":1013.16003,"end":1014.38,"sentiment":"positive","sentiment_score":0.6732421666383743},{"text":"Thank you.","start":1019.88,"end":1020.7,"sentiment":"positive","sentiment_score":0.6160189807415009},{"text":"Bye.","start":1020.92004,"end":1021.42004,"sentiment":"positive","sentiment_score":0.34374117851257324}],"sentiment":"positive","sentiment_score":0.5831405357881025,"num_words":11,"start":991.27997,"end":1021.42004},{"sentences":[{"text":"Have a great day.","start":1022.04004,"end":1023.18,"sentiment":"positive","sentiment_score":0.6313494741916656}],"sentiment":"positive","sentiment_score":0.6313494741916656,"num_words":4,"start":1022.04004,"end":1023.18}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Woah. Got\n\nChannel 1: I've got Lortie. Are you ready for Lortie?\n\nChannel 0: it. I sure am, my love.\n\nChannel 1: Yeah. So she's called in. I haven't completed security just because she's not technically a client right now,\n\nChannel 0: Yeah.\n\nChannel 1: and I haven't confirmed any of the new details. I don't think that would match. But\n\nChannel 0: No. I didn't.\n\nChannel 1: yeah.\n\nChannel 0: No. That's so fine. I'll go through,\n\nChannel 1: Okay.\n\nChannel 0: and I'll I'll rally at the rest of\n\nChannel 1: Yep. Okay. Sounds good. Do you know the background about this lady?\n\nChannel 0: it. Yeah. I do, my love. I got a quick rundown.\n\nChannel 1: Yeah.\n\nChannel 0: I read over her file.\n\nChannel 1: Okay. Alright. Sweet. Are you all good ready for the call?\n\nChannel 0: Yeah. Just blind it.\n\nChannel 1: Alright. 321, you have Lottie.\n\nChannel 0: Hi. Larissa here. How are you going?\n\nChannel 1: Hi, Marissa. Good. Thanks. Yourself?\n\nChannel 0: Yeah. Really good. Thank you.\n\nChannel 1: Sorry.\n\nChannel 0: Thank you so\n\nChannel 1: I\n\nChannel 0: much.\n\nChannel 1: keep on missing your call. I was thinking one block\n\nChannel 0: Oh, I'm so sorry. Of course, there's a bit of a time difference, isn't there?\n\nChannel 1: time. No. That's fine. Sorry.\n\nChannel 0: No. Don't apologize. Does this time still like, does this time too?\n\nChannel 1: Sorry?\n\nChannel 0: Is this time suitable? Like, you're you're happy to chat now? Or\n\nChannel 1: Yes. Yes, ma'am.\n\nChannel 0: yeah? Okay. Cool. Good. So there's I guess, there's there's a a couple of things I I I wanna address.\n\nI know that previously, you were speaking with one of my advisers, Tina. So I'm the head of financial advice at Oakview. Like I said, my name is Larissa. And with, I guess, regards to the circumstances that you're going through twelve months ago, the team just wanted, I guess, myself to jump on the phone and have a bit of a chat to you because it has been a bit of time since we last spoke, and you were going through quite a number of changes personally at the time. We want to make sure that, you know, the advice is still relevant and, obviously, get an update on your circumstances as well.\n\nSo I guess the the best thing for me to do right now is, I guess, to ask how you're going, where you're at, and, I guess, what's happened for you over the last twelve months.\n\nChannel 1: I I actually came back, like, I think I was I only ended up in The Philippines for a month. I\n\nChannel 0: Yep.\n\nChannel 1: came back. I started working part time after then after I don't know how long when I was able to actually get my son back to his day care. That's when I started going back full time. I don't think you asked. I don't know.\n\nMy brain doesn't work.\n\nChannel 0: Yeah. They're okay. So where are you I guess, what what's your what's your address now that you're back in Australia?\n\nChannel 1: I'm still the same. I'm still in the same house. I talked to some court.\n\nChannel 0: Yep. Alright. Perfect. And, like, have you did did you separate from your partner, or are you are\n\nChannel 1: We\n\nChannel 0: you,\n\nChannel 1: are separated.\n\nChannel 0: okay, separated with the intention of divorce or just temporarily separated at the moment?\n\nChannel 1: Can't really sit there at the moment. Still waiting for all the time.\n\nChannel 0: Okay. So with the separation, have you guys separated any of the assets that you hold? Because I know that you had both the primary residence and an investment property.\n\nChannel 1: Yeah. No. Not yet. We haven't done anything yet.\n\nChannel 0: Okay. So no financial separation has occurred yet.\n\nChannel 1: No. Not yet.\n\nChannel 0: Alright. Is he residing in the same house as yourself?\n\nChannel 1: No. He's actually the agreement did comply.\n\nChannel 0: Okay. So it's just you and your son that are living at Gibson\n\nChannel 1: Yes.\n\nChannel 0: Court. Okay. Alright. And I know the, like, the investment property, you guys own 5050 together.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Is the like, have you guys in any way, shape, or form, like, talked about what separating finances look like? Or\n\nChannel 1: No. We actually haven't talked about anything yet with regards to the all the assets that we have.\n\nChannel 0: because can I just I I guess I wanna confirm? The 12 Gibson Court, is that yours or is that a a shared property? Like, do you have a 100% ownership?\n\nChannel 1: No. It's a shared property.\n\nChannel 0: Okay. And then the investment property that you own, is that a shared property as\n\nChannel 1: Yes.\n\nChannel 0: well? Okay. And then he he owns a Ford Ranger, and then you have a Suzuki?\n\nChannel 1: The Ford Ranger is no longer working. So he has a new vehicle, which is the she's a Toyota Hilux, but I'm the one using it.\n\nChannel 0: Alright. So, like, the he has a Toyota Hilux, but you're using it, and then there's the Suzuki\n\nChannel 1: Yeah.\n\nChannel 0: Alto as well. Yeah.\n\nChannel 1: The Suzuki Alto, he broke it.\n\nChannel 0: Okay. So two so so both the vehicles you did have are no longer working.\n\nChannel 1: He yes.\n\nChannel 0: No. That's okay. So are we just down to one one car between the two of you at the moment?\n\nChannel 1: Yes. Because he\n\nChannel 0: Yeah.\n\nChannel 1: doesn't need one where he is at the moment.\n\nChannel 0: Alright. Sounds okay. And then the cryptocurrency, is that in your name or is that in joint names?\n\nChannel 1: It is only his name. I have\n\nChannel 0: In\n\nChannel 1: no idea now with what's going on with this crypto.\n\nChannel 0: okay. So the crypto is his, not joint.\n\nChannel 1: Not mine. No. Not\n\nChannel 0: Okay.\n\nChannel 1: mine.\n\nChannel 0: Okay. Alright. So with, I guess, respect to the other, like, the assets, probably a a bit of a bigger conversation as to what what we're gonna do splitting the assets and whether there is, like, grounds for, you know, what that looks like, whether we're gonna be amicable, you know, whether superannuation is gonna come into it and what that looks like overall. Aside from that, I guess, you said you were back back working. Are you are you full time?\n\nBecause I know you're you're a teacher. Are you full time teaching, or are we still part\n\nChannel 1: Yes.\n\nChannel 0: time?\n\nChannel 1: I'm going back to full time.\n\nChannel 0: Okay. Are you still sitting on that sort of $100,000\n\nChannel 1: Oh,\n\nChannel 0: income?\n\nChannel 1: yeah. 109.\n\nChannel 0: 109?\n\nChannel 1: Yeah.\n\nChannel 0: Okay. That's cool. Excellent.\n\nChannel 1: I'm\n\nChannel 0: And\n\nChannel 1: about\n\nChannel 0: then\n\nChannel 1: to I'm about to have another increase again in the next couple of months.\n\nChannel 0: okay. Do you know what that's gonna go up to or not quite sure?\n\nChannel 1: I think it's gonna go a 115.\n\nChannel 0: 115? Okay. Perfect. But right now, it's 109. Fantastic.\n\nAnd the mortgage on the on Gibson Court, does that still sit around a 115,000?\n\nChannel 1: Sorry. In Gibson Court, that's still 500,000.\n\nChannel 0: Yeah. Yes. So is it about 515,000 in the mortgage?\n\nChannel 1: I think it's already 502, 501, something like that.\n\nChannel 0: Alright. Cool. So we've paid off a little bit in the last twelve months. Makes sense. And that's good.\n\nGood. Good. Okay. So about nearly nearly 500 flats. That's excellent.\n\nChannel 1: Yes. But I don't know if I have mentioned to you about the other personal loan that we have.\n\nChannel 0: No. I didn't have another personal loan. I was what was that to purchase the car? Or\n\nChannel 1: No. We purchased another property in The Philippines.\n\nChannel 0: okay. So you've got a personal loan here in Australia, and you purchased a property in The Philippines. Whose name\n\nChannel 1: Yes.\n\nChannel 0: is the loan in?\n\nChannel 1: Both of our names.\n\nChannel 0: Joint names? What's the what's the what's the debt? What's the loan for?\n\nChannel 1: The loan was 14. Now it's down to give me a second. 17.\n\nChannel 0: So it's at $44.00, and now it's down to 17. Okay.\n\nChannel 1: Yep.\n\nChannel 0: Alright. And we have a property in The Philippines.\n\nChannel 1: Yep.\n\nChannel 0: Okay. Do you know what the property in The Philippines is valued at, Australian dollar?\n\nChannel 1: Let me have a look.\n\nChannel 0: That's okay. And then I\n\nChannel 1: So\n\nChannel 0: guess\n\nChannel 1: let\n\nChannel 0: the follow-up question is, is the property in The Philippines, is\n\nChannel 1: me\n\nChannel 0: that in your name or joint names?\n\nChannel 1: joint names.\n\nChannel 0: Okay.\n\nChannel 1: Exchange rate. So it's about $50.\n\nChannel 0: It's about $50,000 value. Right?\n\nChannel 1: That's when we bought it, but I don't know now.\n\nChannel 0: Alright. No. That's okay. That's alright. So it was about $50,000 value at the time.\n\nAlright. So now with respect to, I guess, where we're at, I guess, the advice that we were looking to implement twelve months ago was centered around transferring your funds into, like, Hub twenty four\n\nChannel 1: Yes.\n\nChannel 0: and taking on an insurance policy.\n\nChannel 1: Yes.\n\nChannel 0: And at the time, we we paused on everything because you were going through so much,\n\nChannel 1: Yes.\n\nChannel 0: and you sort of needed that time. Now\n\nChannel 1: Yeah.\n\nChannel 0: I know at the time you had gone through a bit of a a a health incident as well, and you had a quite a major concussion that had ongoing issues. Has the concussion been resolved and has like, how are you going with your, like, brain, essentially? Because that's where where I guess the issues were.\n\nChannel 1: It's still it's still bad, though. With the concussion, I still have headaches. So I'm really thinking of, like, there's if there's a like, with my subconscious, do I have to it hasn't really changed. Like, it's not I don't know if it's as bad as last year or a little bit different. Well, although when I last when I have last spoken to you, probably that was at the time of the incident that was really bad.\n\nSo it has been reduced or minimized just a little bit, but, yeah, it's still ongoing.\n\nChannel 0: Okay. Are you under any treatment for\n\nChannel 1: Migraine.\n\nChannel 0: migraine treatments? And have they have they connected? Like, have they has it been determined by a doctor that the migraines were caused by, I guess, the incident that it did occur at the time?\n\nChannel 1: Yes. It has it has impacted because I haven't had delayed migraines. Yeah. That's what, yeah, that's what my daughter has told me. I got migraine.\n\nChannel 0: Okay. And how often do you get the migraines?\n\nChannel 1: I have to say, actually, because I got headaches most of this in group day. But it's when it's when it's, like, proper migraine, migraine, migraine. I don't know. Once a month or once every three months, like papa papa migraine.\n\nChannel 0: Okay.\n\nChannel 1: But just headaches are just yeah. Every day, headaches, not not as papa papa because I'm not life sensitive. I'm not\n\nChannel 0: Okay.\n\nChannel 1: I'm not and migraines.\n\nChannel 0: And yeah. And with the I guess with the headaches, like, did you you did you get them before the incident that did occur twelve months ago? Or\n\nChannel 1: No. I actually had it after the incident.\n\nChannel 0: yeah. Okay. Alright. Now I guess I because it's been twelve months and and there's been a few like, a number of changes that have happened, I need to go away and I need to have a look over everything again. There's been, you know, massive climate changes in the market, everything like that.\n\nYou've also had twelve months worth of changes to your current fund as well. So if I can send you an email and get you to send through a statement from your Aware Superfund, just so I can get an update on where that account sits now twelve months down the line, that would be\n\nChannel 1: Yes.\n\nChannel 0: great. But aside from that, I guess, what I need to do is to confirm what your goals are right now and what you're trying to achieve.\n\nChannel 1: To be honest, I still don't know with with regards to my circumstances right now because it might dramatically change. So I am probably just touching base whether I will be able to return to the probably, I will most likely sign up after we separate all of the assets and what's\n\nChannel 0: And do\n\nChannel 1: going.\n\nChannel 0: the divorce. Yeah.\n\nChannel 1: I absolutely have no idea what's happening. We haven't talked about it yet. But, yeah, I have spoken to my lawyer already, but then I don't know what's gonna happen next to them. So\n\nChannel 0: Absolutely.\n\nChannel 1: hopefully sign up as soon as I have all the details and other stuff. And, also, I just had my insurance as well with the with the wear, but I don't know how how it is going to affect another stuff. So,\n\nChannel 0: Yeah.\n\nChannel 1: probably, I just have to wait till my circumstance will change.\n\nChannel 0: Settle. Yeah. Just realistically\n\nChannel 1: Unfortunately\n\nChannel 0: until they settle.\n\nChannel 1: yeah.\n\nChannel 0: No. No. And look, is it calling up and and at least touching base and me me being able to get, I guess, a bit of an update on where you're at is good. You know, still keeping, you know, in contact is really, really good. But, yeah, I I I was sort of kind of leaning a little bit that way as well.\n\nLike, I can always have a look at things, but to be able to, I guess, have a really good picture as to where everything is sitting for you and to be able to move forward, I do sort of need to have a bit of a solid idea as to what we're gonna do with the finances. So once you do have a bit of a more solid plan on the finance side of things, we could definitely move forward and and have a look at\n\nChannel 1: Yeah.\n\nChannel 0: it. But I guess\n\nChannel 1: Yes.\n\nChannel 0: yeah. Just right now, it's a little bit a little bit up in the air. And so,\n\nChannel 1: Yeah.\n\nChannel 0: I guess, you've had a chance to sit down and talk with your ex about it. It does make things a little bit difficult.\n\nChannel 1: Yep. That's a I I absolutely understand that because I was like, I have no idea as well what's what's gonna happen after after this because we haven't really started talking about assets. We we just started about, yeah, with the separation, but other than that, that's it. Because, yeah, I don't know yet. I don't have any\n\nChannel 0: Yeah.\n\nChannel 1: answers to that as well.\n\nChannel 0: No. That's okay. Well, but how about would you like me to sort of maybe put in my calendar to touch base with you in six months or so? And if you end up having an answer before then, then you can always reach out to me. But, otherwise,\n\nChannel 1: Oh, sure.\n\nChannel 0: I'll just\n\nChannel 1: Okay.\n\nChannel 0: I'll just I can just be a friendly friendly touch base in six months when you've had a chance to really sit down and talk about our finances, and what that looks like.\n\nChannel 1: Yep. That sounds great.\n\nChannel 0: Yeah. Alright. Perfect. We can do that. And for now, at least I have a bit of an update on where you're at and what's happened over the last twelve months.\n\nAnd then, yeah, I can touch base with you in sort of six months' time. And and like I said, if you have if if anything happens before then, you're more than welcome to reach out. But, otherwise, I'll reach out to you in six months.\n\nChannel 1: Okay. Thank you very much.\n\nChannel 0: No. That's okay. Well, good luck, and please don't hesitate to give me a call.\n\nChannel 1: Thank you. Bye.\n\nChannel 0: That's okay. Bye,\n\nChannel 1: Have a\n\nChannel 0: Lotte.\n\nChannel 1: great day.\n\nChannel 0: You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.48,"end":2.98,"sentiment":"neutral","sentiment_score":0.029800843447446823}],"sentiment":"neutral","sentiment_score":0.029800843447446823,"channel":1,"num_words":1,"start":2.48,"end":2.98},{"sentences":[{"text":"Woah.","start":3.52,"end":3.76,"sentiment":"neutral","sentiment_score":0.16846147179603577},{"text":"Got","start":3.76,"end":4.26,"sentiment":"neutral","sentiment_score":0.10854364186525343}],"sentiment":"neutral","sentiment_score":0.1385025568306446,"channel":0,"num_words":2,"start":3.52,"end":4.26},{"sentences":[{"text":"I've got Lortie.","start":5.04,"end":6.18,"sentiment":"neutral","sentiment_score":0.15704183280467987},{"text":"Are you ready for Lortie?","start":10.0,"end":11.38,"sentiment":"neutral","sentiment_score":0.13343839198350907}],"sentiment":"neutral","sentiment_score":0.14228968229144812,"channel":1,"num_words":8,"start":5.04,"end":11.38},{"sentences":[{"text":"it.","start":11.04,"end":11.54,"sentiment":"neutral","sentiment_score":0.1238829493522644},{"text":"I sure am, my love.","start":11.759999,"end":13.125,"sentiment":"positive","sentiment_score":0.4057354986667633}],"sentiment":"positive","sentiment_score":0.3587600737810135,"channel":0,"num_words":6,"start":11.04,"end":13.125},{"sentences":[{"text":"Yeah.","start":14.655001,"end":15.055,"sentiment":"neutral","sentiment_score":0.09667133539915083},{"text":"So she's called in.","start":15.055,"end":15.935,"sentiment":"neutral","sentiment_score":0.019735826877877116},{"text":"I haven't completed security just because she's not technically a client right now,","start":15.935,"end":20.435,"sentiment":"neutral","sentiment_score":-0.06954849711977519}],"sentiment":"neutral","sentiment_score":-0.04047310109146767,"channel":1,"num_words":18,"start":14.655001,"end":20.435},{"sentences":[{"text":"Yeah.","start":20.805,"end":21.305,"sentiment":"neutral","sentiment_score":-0.05344770103693008}],"sentiment":"neutral","sentiment_score":-0.05344770103693008,"channel":0,"num_words":1,"start":20.805,"end":21.305},{"sentences":[{"text":"and I haven't confirmed any of the new details.","start":20.895,"end":23.615,"sentiment":"neutral","sentiment_score":-0.10279435498846902},{"text":"I don't think that would match.","start":23.615,"end":24.915,"sentiment":"neutral","sentiment_score":-0.1798177311817805},{"text":"But","start":26.429998,"end":26.75,"sentiment":"neutral","sentiment_score":-0.09877552837133408}],"sentiment":"neutral","sentiment_score":-0.1314269443973899,"channel":1,"num_words":16,"start":20.895,"end":26.75},{"sentences":[{"text":"No.","start":26.5,"end":26.74,"sentiment":"neutral","sentiment_score":-0.20293349027633667},{"text":"I didn't.","start":26.74,"end":27.32,"sentiment":"neutral","sentiment_score":-0.1529037430882454}],"sentiment":"neutral","sentiment_score":-0.16958032548427582,"channel":0,"num_words":3,"start":26.5,"end":27.32},{"sentences":[{"text":"yeah.","start":27.07,"end":27.57,"sentiment":"neutral","sentiment_score":-0.05730618163943291}],"sentiment":"neutral","sentiment_score":-0.05730618163943291,"channel":1,"num_words":1,"start":27.07,"end":27.57},{"sentences":[{"text":"No.","start":27.779999,"end":28.019999,"sentiment":"neutral","sentiment_score":-0.08505874127149582},{"text":"That's so fine.","start":28.019999,"end":29.06,"sentiment":"neutral","sentiment_score":0.1284803549448649},{"text":"I'll go through,","start":29.06,"end":29.619999,"sentiment":"neutral","sentiment_score":0.17087874313195547}],"sentiment":"neutral","sentiment_score":0.11614550756556648,"channel":0,"num_words":7,"start":27.779999,"end":29.619999},{"sentences":[{"text":"Okay.","start":29.47,"end":29.97,"sentiment":"neutral","sentiment_score":0.13297399878501892}],"sentiment":"neutral","sentiment_score":0.13297399878501892,"channel":1,"num_words":1,"start":29.47,"end":29.97},{"sentences":[{"text":"and I'll I'll rally at the rest of","start":29.619999,"end":32.52,"sentiment":"neutral","sentiment_score":0.12819284666329622}],"sentiment":"neutral","sentiment_score":0.12819284666329622,"channel":0,"num_words":8,"start":29.619999,"end":32.52},{"sentences":[{"text":"Yep.","start":32.989998,"end":33.47,"sentiment":"neutral","sentiment_score":0.06364187598228455},{"text":"Okay.","start":33.47,"end":33.949997,"sentiment":"neutral","sentiment_score":0.17543819546699524},{"text":"Sounds good.","start":33.949997,"end":34.91,"sentiment":"neutral","sentiment_score":0.29207514226436615},{"text":"Do you know the background about this lady?","start":34.91,"end":36.77,"sentiment":"neutral","sentiment_score":0.04121938510797918}],"sentiment":"neutral","sentiment_score":0.09608211973682046,"channel":1,"num_words":12,"start":32.989998,"end":36.77},{"sentences":[{"text":"it.","start":36.899998,"end":37.059998,"sentiment":"neutral","sentiment_score":0.031671591103076935},{"text":"Yeah.","start":37.059998,"end":37.22,"sentiment":"neutral","sentiment_score":0.09555509686470032},{"text":"I do, my love.","start":37.22,"end":38.02,"sentiment":"neutral","sentiment_score":0.20402344316244125},{"text":"I got a quick rundown.","start":38.02,"end":39.059998,"sentiment":"neutral","sentiment_score":0.12227136492729188}],"sentiment":"neutral","sentiment_score":0.14133429865945468,"channel":0,"num_words":11,"start":36.899998,"end":39.059998},{"sentences":[{"text":"Yeah.","start":38.765,"end":39.265,"sentiment":"neutral","sentiment_score":0.06113206595182419}],"sentiment":"neutral","sentiment_score":0.06113206595182419,"channel":1,"num_words":1,"start":38.765,"end":39.265},{"sentences":[{"text":"I read over her file.","start":39.059998,"end":40.28,"sentiment":"neutral","sentiment_score":0.057480457425117495}],"sentiment":"neutral","sentiment_score":0.057480457425117495,"channel":0,"num_words":5,"start":39.059998,"end":40.28},{"sentences":[{"text":"Okay.","start":40.765,"end":41.165,"sentiment":"neutral","sentiment_score":0.1074291616678238},{"text":"Alright.","start":41.165,"end":41.645,"sentiment":"neutral","sentiment_score":0.2004910111427307},{"text":"Sweet.","start":41.645,"end":42.145,"sentiment":"neutral","sentiment_score":0.2923426032066345},{"text":"Are you all good ready for the call?","start":42.205,"end":44.625,"sentiment":"neutral","sentiment_score":0.3231619577854872}],"sentiment":"neutral","sentiment_score":0.2895962216637351,"channel":1,"num_words":11,"start":40.765,"end":44.625},{"sentences":[{"text":"Yeah.","start":44.575,"end":44.895,"sentiment":"neutral","sentiment_score":0.051973097026348114},{"text":"Just blind it.","start":44.895,"end":46.035,"sentiment":"neutral","sentiment_score":0.04033223291238149}],"sentiment":"neutral","sentiment_score":0.043242448940873146,"channel":0,"num_words":4,"start":44.575,"end":46.035},{"sentences":[{"text":"Alright.","start":46.205,"end":46.705,"sentiment":"neutral","sentiment_score":0.07281477004289627},{"text":"321, you have Lottie.","start":46.765,"end":48.465,"sentiment":"neutral","sentiment_score":0.0650526862591505}],"sentiment":"neutral","sentiment_score":0.06660510301589966,"channel":1,"num_words":5,"start":46.205,"end":48.465},{"sentences":[{"text":"Hi.","start":49.935,"end":50.435,"sentiment":"neutral","sentiment_score":0.155794158577919},{"text":"Larissa here.","start":50.575,"end":51.375,"sentiment":"neutral","sentiment_score":0.16518103331327438},{"text":"How are you going?","start":51.375,"end":52.355,"sentiment":"neutral","sentiment_score":0.24018243327736855}],"sentiment":"neutral","sentiment_score":0.20669799404484884,"channel":0,"num_words":7,"start":49.935,"end":52.355},{"sentences":[{"text":"Hi, Marissa.","start":52.75,"end":53.57,"sentiment":"neutral","sentiment_score":0.1800602301955223},{"text":"Good.","start":53.949997,"end":54.35,"sentiment":"positive","sentiment_score":0.3909828066825866},{"text":"Thanks.","start":54.35,"end":54.51,"sentiment":"positive","sentiment_score":0.4435272514820099},{"text":"Yourself?","start":54.51,"end":55.01,"sentiment":"neutral","sentiment_score":0.23096278309822085}],"sentiment":"neutral","sentiment_score":0.2851186603307724,"channel":1,"num_words":5,"start":52.75,"end":55.01},{"sentences":[{"text":"Yeah.","start":55.71,"end":56.03,"sentiment":"neutral","sentiment_score":0.2368420660495758},{"text":"Really good.","start":56.03,"end":56.67,"sentiment":"positive","sentiment_score":0.4804721176624298},{"text":"Thank you.","start":56.67,"end":57.49,"sentiment":"positive","sentiment_score":0.42260900139808655}],"sentiment":"positive","sentiment_score":0.4086008608341217,"channel":0,"num_words":5,"start":55.71,"end":57.49},{"sentences":[{"text":"Sorry.","start":58.43,"end":58.91,"sentiment":"neutral","sentiment_score":0.07564054429531097}],"sentiment":"neutral","sentiment_score":0.07564054429531097,"channel":1,"num_words":1,"start":58.43,"end":58.91},{"sentences":[{"text":"Thank you so","start":58.510002,"end":58.989998,"sentiment":"neutral","sentiment_score":0.12904267758131027}],"sentiment":"neutral","sentiment_score":0.12904267758131027,"channel":0,"num_words":3,"start":58.510002,"end":58.989998},{"sentences":[{"text":"I","start":58.91,"end":59.07,"sentiment":"neutral","sentiment_score":0.03511190414428711}],"sentiment":"neutral","sentiment_score":0.03511190414428711,"channel":1,"num_words":1,"start":58.91,"end":59.07},{"sentences":[{"text":"much.","start":58.989998,"end":59.489998,"sentiment":"neutral","sentiment_score":0.023508410900831223}],"sentiment":"neutral","sentiment_score":0.023508410900831223,"channel":0,"num_words":1,"start":58.989998,"end":59.489998},{"sentences":[{"text":"keep on missing your call.","start":59.07,"end":60.269997,"sentiment":"neutral","sentiment_score":-0.12001166343688965},{"text":"I was thinking one block","start":60.269997,"end":61.725,"sentiment":"neutral","sentiment_score":-0.04978496842086315}],"sentiment":"neutral","sentiment_score":-0.0848983159288764,"channel":1,"num_words":10,"start":59.07,"end":61.725},{"sentences":[{"text":"Oh, I'm so sorry.","start":62.989998,"end":64.11,"sentiment":"neutral","sentiment_score":-0.06081648077815771},{"text":"Of course, there's a bit of a time difference, isn't there?","start":64.11,"end":66.53,"sentiment":"neutral","sentiment_score":-0.06922134350646626}],"sentiment":"neutral","sentiment_score":-0.06698004677891731,"channel":0,"num_words":15,"start":62.989998,"end":66.53},{"sentences":[{"text":"time.","start":67.325,"end":67.725,"sentiment":"neutral","sentiment_score":-0.029087316244840625},{"text":"No.","start":67.725,"end":67.884995,"sentiment":"neutral","sentiment_score":-0.07998264580965042},{"text":"That's fine.","start":67.884995,"end":68.705,"sentiment":"neutral","sentiment_score":-0.04033854231238365},{"text":"Sorry.","start":68.924995,"end":69.424995,"sentiment":"neutral","sentiment_score":-0.0762929767370224}],"sentiment":"neutral","sentiment_score":-0.05320800468325615,"channel":1,"num_words":5,"start":67.325,"end":69.424995},{"sentences":[{"text":"No.","start":69.985,"end":70.305,"sentiment":"neutral","sentiment_score":-0.09678076952695848},{"text":"Don't apologize.","start":70.305,"end":71.185005,"sentiment":"neutral","sentiment_score":-0.13380063325166702},{"text":"Does this time still like, does this time 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cryptocurrency, is that in your name or is that in joint names?","start":349.23,"end":353.89,"sentiment":"neutral","sentiment_score":-0.0011113152218361695}],"sentiment":"neutral","sentiment_score":0.006156450525547068,"channel":0,"num_words":18,"start":348.19,"end":353.89},{"sentences":[{"text":"It is only his name.","start":354.18002,"end":356.5,"sentiment":"neutral","sentiment_score":-0.025533474609255792},{"text":"I have","start":356.5,"end":356.98,"sentiment":"neutral","sentiment_score":-0.026553249917924404}],"sentiment":"neutral","sentiment_score":-0.025824838983161107,"channel":1,"num_words":7,"start":354.18002,"end":356.98},{"sentences":[{"text":"In","start":356.83002,"end":357.07,"sentiment":"neutral","sentiment_score":-0.049499377608299255}],"sentiment":"neutral","sentiment_score":-0.049499377608299255,"channel":0,"num_words":1,"start":356.83002,"end":357.07},{"sentences":[{"text":"no idea now with what's going on with this 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with, I guess, respect to the other, like, the assets, probably a a bit of a bigger conversation as to what what we're gonna do splitting the assets and whether there is, like, grounds for, you know, what that looks like, whether we're gonna be amicable, you know, whether superannuation is gonna come into it and what that looks like overall.","start":367.085,"end":392.915,"sentiment":"neutral","sentiment_score":-0.004673521995784775},{"text":"Aside from that, I guess, you said you were back back working.","start":394.89502,"end":398.915,"sentiment":"neutral","sentiment_score":-0.017292259881893795},{"text":"Are you are you full time?","start":399.295,"end":404.4,"sentiment":"neutral","sentiment_score":-0.015285597648471594}],"sentiment":"neutral","sentiment_score":-0.007179651182235741,"channel":0,"num_words":82,"start":365.32498,"end":404.4},{"sentences":[{"text":"Because I know you're you're a 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I'm about to have another increase again in the next couple of months.","start":425.625,"end":430.5,"sentiment":"neutral","sentiment_score":-0.09641187052641596}],"sentiment":"neutral","sentiment_score":-0.09641187052641596,"channel":1,"num_words":14,"start":425.625,"end":430.5},{"sentences":[{"text":"okay.","start":431.24,"end":431.74,"sentiment":"neutral","sentiment_score":-0.01877011731266975},{"text":"Do you know what that's gonna go up to or not quite sure?","start":432.03998,"end":434.46,"sentiment":"neutral","sentiment_score":-0.028475802176846907}],"sentiment":"neutral","sentiment_score":-0.027782538972262825,"channel":0,"num_words":14,"start":431.24,"end":434.46},{"sentences":[{"text":"I think it's gonna go a 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so,","start":934.825,"end":935.30505,"sentiment":"neutral","sentiment_score":-0.009471199475228786}],"sentiment":"neutral","sentiment_score":-0.05907554771093761,"channel":0,"num_words":17,"start":931.145,"end":935.30505},{"sentences":[{"text":"Yeah.","start":935.11,"end":935.61,"sentiment":"neutral","sentiment_score":-0.026745935901999474}],"sentiment":"neutral","sentiment_score":-0.026745935901999474,"channel":1,"num_words":1,"start":935.11,"end":935.61},{"sentences":[{"text":"I guess, you've had a chance to sit down and talk with your ex about it.","start":935.30505,"end":939.21,"sentiment":"neutral","sentiment_score":-0.06725537241436541},{"text":"It does make things a little bit 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any","start":964.1,"end":964.82,"sentiment":"neutral","sentiment_score":-0.12095753662288189}],"sentiment":"neutral","sentiment_score":-0.11509814556559612,"channel":1,"num_words":58,"start":942.70996,"end":964.82},{"sentences":[{"text":"Yeah.","start":964.66,"end":965.16,"sentiment":"neutral","sentiment_score":-0.0803760513663292}],"sentiment":"neutral","sentiment_score":-0.0803760513663292,"channel":0,"num_words":1,"start":964.66,"end":965.16},{"sentences":[{"text":"answers to that as well.","start":964.82,"end":966.2,"sentiment":"neutral","sentiment_score":-0.09520421475172043}],"sentiment":"neutral","sentiment_score":-0.09520421475172043,"channel":1,"num_words":5,"start":964.82,"end":966.2},{"sentences":[{"text":"No.","start":967.3,"end":967.54,"sentiment":"neutral","sentiment_score":-0.1069619357585907},{"text":"That's okay.","start":967.54,"end":968.36,"sentiment":"neutral","sentiment_score":-0.049838654696941376},{"text":"Well, but how about would you like me to sort of maybe put in my calendar to touch base with you in six months or so?","start":969.06,"end":975.22,"sentiment":"neutral","sentiment_score":0.08376761640493686},{"text":"And if you end up having an answer before then, then you can always reach out to me.","start":975.22,"end":979.655,"sentiment":"neutral","sentiment_score":0.052243473629156746},{"text":"But, otherwise,","start":980.035,"end":980.675,"sentiment":"neutral","sentiment_score":0.01937998551875353}],"sentiment":"neutral","sentiment_score":0.060213495464045176,"channel":0,"num_words":49,"start":967.3,"end":980.675},{"sentences":[{"text":"Oh, sure.","start":980.375,"end":981.09503,"sentiment":"neutral","sentiment_score":0.07484680414199829}],"sentiment":"neutral","sentiment_score":0.07484680414199829,"channel":1,"num_words":2,"start":980.375,"end":981.09503},{"sentences":[{"text":"I'll just","start":980.675,"end":981.315,"sentiment":"neutral","sentiment_score":0.07958676666021347}],"sentiment":"neutral","sentiment_score":0.07958676666021347,"channel":0,"num_words":2,"start":980.675,"end":981.315},{"sentences":[{"text":"Okay.","start":981.09503,"end":981.59503,"sentiment":"neutral","sentiment_score":0.09923524409532548}],"sentiment":"neutral","sentiment_score":0.09923524409532548,"channel":1,"num_words":1,"start":981.09503,"end":981.59503},{"sentences":[{"text":"I'll just I can just be a friendly friendly touch base in six months when you've had a chance to really sit down and talk about our finances, and what that looks like.","start":981.315,"end":990.535,"sentiment":"neutral","sentiment_score":0.13367898107478113}],"sentiment":"neutral","sentiment_score":0.13367898107478113,"channel":0,"num_words":33,"start":981.315,"end":990.535},{"sentences":[{"text":"Yep.","start":991.12,"end":991.27997,"sentiment":"neutral","sentiment_score":0.3120597302913666},{"text":"That sounds great.","start":991.27997,"end":992.42,"sentiment":"positive","sentiment_score":0.5914235512415568}],"sentiment":"positive","sentiment_score":0.5215825960040092,"channel":1,"num_words":4,"start":991.12,"end":992.42},{"sentences":[{"text":"Yeah.","start":992.94,"end":993.34,"sentiment":"positive","sentiment_score":0.36576008796691895},{"text":"Alright.","start":993.34,"end":993.74005,"sentiment":"positive","sentiment_score":0.4304843842983246},{"text":"Perfect.","start":993.74005,"end":994.22003,"sentiment":"positive","sentiment_score":0.5932721495628357},{"text":"We can do that.","start":994.22003,"end":995.2,"sentiment":"positive","sentiment_score":0.48091141879558563},{"text":"And for now, at least I have a bit of an update on where you're at and what's happened over the last twelve months.","start":995.58,"end":1000.80005,"sentiment":"neutral","sentiment_score":0.23294434572259584}],"sentiment":"neutral","sentiment_score":0.2872202127210556,"channel":0,"num_words":31,"start":992.94,"end":1000.80005},{"sentences":[{"text":"And then, yeah, I can touch base with you in sort of six months' time.","start":1001.18005,"end":1004.06006,"sentiment":"neutral","sentiment_score":0.19406515955924988},{"text":"And and like I said, if you have if if anything happens before then, you're more than welcome to reach out.","start":1004.06006,"end":1010.105,"sentiment":"neutral","sentiment_score":0.19791622353451593},{"text":"But, otherwise, I'll reach out to you in six months.","start":1010.105,"end":1012.205,"sentiment":"neutral","sentiment_score":0.08647872656583785}],"sentiment":"neutral","sentiment_score":0.17243489898417308,"channel":0,"num_words":46,"start":1001.18005,"end":1012.205},{"sentences":[{"text":"Okay.","start":1012.76,"end":1013.16003,"sentiment":"positive","sentiment_score":0.37152743339538574},{"text":"Thank you very much.","start":1013.16003,"end":1014.38,"sentiment":"positive","sentiment_score":0.6732421666383743}],"sentiment":"positive","sentiment_score":0.6128992199897766,"channel":1,"num_words":5,"start":1012.76,"end":1014.38},{"sentences":[{"text":"No.","start":1015.01495,"end":1015.25494,"sentiment":"neutral","sentiment_score":-0.1502002477645874},{"text":"That's okay.","start":1015.25494,"end":1016.05493,"sentiment":"neutral","sentiment_score":0.010960623621940613},{"text":"Well, good luck, and please don't hesitate to give me a call.","start":1016.05493,"end":1019.27496,"sentiment":"positive","sentiment_score":0.40164805203676224}],"sentiment":"neutral","sentiment_score":0.3127665082613627,"channel":0,"num_words":15,"start":1015.01495,"end":1019.27496},{"sentences":[{"text":"Thank you.","start":1019.88,"end":1020.7,"sentiment":"positive","sentiment_score":0.6160189807415009},{"text":"Bye.","start":1020.92004,"end":1021.42004,"sentiment":"positive","sentiment_score":0.34374117851257324}],"sentiment":"positive","sentiment_score":0.5252597133318583,"channel":1,"num_words":3,"start":1019.88,"end":1021.42004},{"sentences":[{"text":"That's okay.","start":1021.25494,"end":1021.9749,"sentiment":"positive","sentiment_score":0.34958697855472565},{"text":"Bye,","start":1021.9749,"end":1022.2949,"sentiment":"neutral","sentiment_score":0.22420799732208252}],"sentiment":"neutral","sentiment_score":0.3077939848105113,"channel":0,"num_words":3,"start":1021.25494,"end":1022.2949},{"sentences":[{"text":"Have a","start":1022.04004,"end":1022.36005,"sentiment":"positive","sentiment_score":0.5601367354393005}],"sentiment":"positive","sentiment_score":0.5601367354393005,"channel":1,"num_words":2,"start":1022.04004,"end":1022.36005},{"sentences":[{"text":"Lotte.","start":1022.2949,"end":1022.7949,"sentiment":"positive","sentiment_score":0.4900004267692566}],"sentiment":"positive","sentiment_score":0.4900004267692566,"channel":0,"num_words":1,"start":1022.2949,"end":1022.7949},{"sentences":[{"text":"great day.","start":1022.36005,"end":1023.18,"sentiment":"positive","sentiment_score":0.7025622129440308}],"sentiment":"positive","sentiment_score":0.7025622129440308,"channel":1,"num_words":2,"start":1022.36005,"end":1023.18},{"sentences":[{"text":"You too.","start":1023.49493,"end":1024.2349,"sentiment":"positive","sentiment_score":0.4377264827489853},{"text":"Bye.","start":1024.5349,"end":1025.0349,"sentiment":"neutral","sentiment_score":-0.11915161460638046}],"sentiment":"neutral","sentiment_score":0.2521004502971967,"channel":0,"num_words":3,"start":1023.49493,"end":1025.0349}]},"summary":{"result":"success","short":"Lortie calls a financial adviser named Larissa to discuss her recent financial changes and the possibility of separating her assets. They confirm her personal and financial information and discuss her personal loan and mortgage, as well as her income and treatment for migraines. The agent suggests transferring funds into a Hub twenty four insurance policy and sending a statement from the customer's Aware Superfund to get an update on her account. They also discuss her retirement plans, health issues, and desire to return to her current situation. The speaker is unsure of her financial situation and needs to confirm her goals before moving forward. They plan to touch base in six months to determine the best approach for her financial situation."},"intents":{"segments":[{"text":"We want to make sure that, you know, the advice is still relevant and, obviously, get an update on your circumstances as well.","start_word":314,"end_word":336,"intents":[{"intent":"Confirm understanding of advice and circumstances","confidence_score":0.0050712554}]},{"text":"I started working part time after then after I don't know how long when I was able to actually get my son back to his day care.","start_word":396,"end_word":422,"intents":[{"intent":"Ask about son's return and status","confidence_score":0.00052632834}]},{"text":"So where are you I guess, what what's your what's your address now that you're back in Australia?","start_word":446,"end_word":463,"intents":[{"intent":"Ask about daughter's address","confidence_score":0.0012253728}]},{"text":"So with the separation, have you guys separated any of the assets that you hold? Because I know that you had both the primary residence and an investment property. Yeah.","start_word":529,"end_word":558,"intents":[{"intent":"Confirm separation of assets","confidence_score":0.0020374928}]},{"text":"The 12 Gibson Court, is that yours or is that a a shared property? Like, do you have a 100% ownership?","start_word":677,"end_word":697,"intents":[{"intent":"Evaluate ownership and investment property status","confidence_score":0.00004772918}]},{"text":"The Ford Ranger is no longer working. So he has a new vehicle, which is the she's a Toyota Hilux, but I'm the one using it. Alright.","start_word":734,"end_word":760,"intents":[{"intent":"Discuss vehicle broken-up vehicles","confidence_score":0.0000017994303}]},{"text":"And then the cryptocurrency, is that in your name or is that in joint names? It is only his name.","start_word":842,"end_word":861,"intents":[{"intent":"Discuss cryptocurrency","confidence_score":0.3562661}]},{"text":"So with, I guess, respect to the other, like, the assets, probably a a bit of a bigger conversation as to what what we're gonna do splitting the assets and whether there is, like, grounds for, you know, what that looks like, whether we're gonna be amicable, you know, whether superannuation is gonna come into it and what that looks like overall.","start_word":891,"end_word":952,"intents":[{"intent":"Discuss split assets","confidence_score":0.27024958}]},{"text":"Are you still sitting on that sort of $100,000 income? Oh, yeah.","start_word":997,"end_word":1008,"intents":[{"intent":"Discuss income level","confidence_score":0.14416924}]},{"text":"And the mortgage on the on Gibson Court, does that still sit around a 115,000? Sorry.","start_word":1064,"end_word":1079,"intents":[{"intent":"Confirm mortgage","confidence_score":0.0010205904},{"intent":"Discuss property ownership","confidence_score":0.008860642}]},{"text":"But I don't know if I have mentioned to you about the other personal loan that we have. No.","start_word":1136,"end_word":1154,"intents":[{"intent":"Discuss personal loan","confidence_score":0.22769187}]},{"text":"Do you know what the property in The Philippines is valued at, Australian dollar? Let me have a look.","start_word":1257,"end_word":1275,"intents":[{"intent":"Confirm value","confidence_score":0.08073049}]},{"text":"So now with respect to, I guess, where we're at, I guess, the advice that we were looking to implement twelve months ago was centered around transferring your funds into, like, Hub twenty four Yes.","start_word":1344,"end_word":1378,"intents":[{"intent":"Transfer funds","confidence_score":0.22899279}]},{"text":"So now with respect to, I guess, where we're at, I guess, the advice that we were looking to implement twelve months ago was centered around transferring your funds into, like, Hub twenty four Yes. and taking on an insurance policy.","start_word":1344,"end_word":1384,"intents":[{"intent":"Implement advice","confidence_score":0.20637184}]},{"text":"and taking on an insurance policy.","start_word":1378,"end_word":1383,"intents":[{"intent":"Take insurance policy","confidence_score":0.63347}]},{"text":"I know at the time you had gone through a bit of a a a health incident as well, and you had a quite a major concussion that had ongoing issues. Has the concussion been resolved and has like, how are you going with your, like, brain, essentially?","start_word":1411,"end_word":1458,"intents":[{"intent":"Resolve concussion","confidence_score":0.35247132}]},{"text":"So it has been reduced or minimized just a little bit, but, yeah, it's still ongoing. Okay.","start_word":1546,"end_word":1562,"intents":[{"intent":"Reducing migraine treatment","confidence_score":0.0008283299}]},{"text":"Are you under any treatment for Migraine. migraine treatments? And have they have they connected? Like, have they has it been determined by a doctor that the migraines were caused by, I guess, the incident that it did occur at the time? Yes.","start_word":1563,"end_word":1605,"intents":[{"intent":"Determine migraine triggers","confidence_score":0.16645487}]},{"text":"So if I can send you an email and get you to send through a statement from your Aware Superfund, just so I can get an update on where that account sits now twelve months down the line, that would be Yes.","start_word":1812,"end_word":1853,"intents":[{"intent":"Get update on situation","confidence_score":0.143893}]},{"text":"But aside from that, I guess, what I need to do is to confirm what your goals are right now and what you're trying to achieve.","start_word":1855,"end_word":1880,"intents":[{"intent":"Confirm goals and goals","confidence_score":0.04869569}]},{"text":"To be honest, I still don't know with with regards to my circumstances right now because it might dramatically change. So I am probably just touching base whether I will be able to return to the probably, I will most likely sign up after we separate all of the assets and what's And do going.","start_word":1881,"end_word":1935,"intents":[{"intent":"Discuss situation","confidence_score":0.002109503}]},{"text":"I absolutely have no idea what's happening. We haven't talked about it yet. But, yeah, I have spoken to my lawyer already, but then I don't know what's gonna happen next to them. So Absolutely.","start_word":1939,"end_word":1973,"intents":[{"intent":"Reach agreement with lawyer","confidence_score":0.00037493923}]},{"text":"You know, still keeping, you know, in contact is really, really good.","start_word":2072,"end_word":2083,"intents":[{"intent":"Contact speaker 1","confidence_score":0.007611435}]},{"text":"So once you do have a bit of a more solid plan on the finance side of things, we could definitely move forward and and have a look at Yeah. it.","start_word":2159,"end_word":2189,"intents":[{"intent":"Discuss finances","confidence_score":0.23848984},{"intent":"Plan for future contact","confidence_score":0.00419023}]}]},"sentiments":{"segments":[{"text":"Hello? Woah. Got I've got Lortie. Are you ready for Lortie? it.","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.13283458352088928},{"text":"I sure am, my love.","start_word":12,"end_word":16,"sentiment":"positive","sentiment_score":0.4059963524341583},{"text":"Yeah. So she's called in. I haven't completed security just because she's not technically a client right now, Yeah. and I haven't confirmed any of the new details. I don't think that would match. But No. I didn't. yeah. No. That's so fine. I'll go through, Okay. and I'll I'll rally at the rest of Yep. Okay. Sounds good. Do you know the background about this lady? it. Yeah. I do, my love. I got a quick rundown. Yeah. I read over her file. Okay. Alright. Sweet. Are you all good ready for the call? Yeah. Just blind it. Alright. 321, you have Lottie. Hi. Larissa here. How are you going? Hi, Marissa.","start_word":17,"end_word":129,"sentiment":"neutral","sentiment_score":0.06048557907342911},{"text":"Good. Thanks.","start_word":130,"end_word":131,"sentiment":"positive","sentiment_score":0.4172550439834595},{"text":"Yourself? Yeah.","start_word":132,"end_word":133,"sentiment":"neutral","sentiment_score":0.23331449925899503},{"text":"Really good. Thank you.","start_word":134,"end_word":137,"sentiment":"positive","sentiment_score":0.4480566680431366},{"text":"Sorry. Thank you so I much. keep on missing your call. I was thinking one block Oh, I'm so sorry. Of course, there's a bit of a time difference, isn't there? time. No. That's fine. Sorry. No. Don't apologize. Does this time still like, does this time too? Sorry? Is this time suitable? Like, you're you're happy to chat now? Or Yes. Yes, ma'am. yeah? Okay. Cool. Good. So there's I guess, there's there's a a couple of things I I I wanna address. I know that previously, you were speaking with one of my advisers, Tina. So I'm the head of financial advice at Oakview. Like I said, my name is Larissa. And with, I guess, regards to the circumstances that you're going through twelve months ago, the team just wanted, I guess, myself to jump on the phone and have a bit of a chat to you because it has been a bit of time since we last spoke, and you were going through quite a number of changes personally at the time. We want to make sure that, you know, the advice is still relevant and, obviously, get an update on your circumstances as well. So I guess the the best thing for me to do right now is, I guess, to ask how you're going, where you're at, and, I guess, what's happened for you over the last twelve months. I I actually came back, like, I think I was I only ended up in The Philippines for a month. I Yep. came back. I started working part time after then after I don't know how long when I was able to actually get my son back to his day care. That's when I started going back full time. I don't think you asked. I don't know.","start_word":138,"end_word":438,"sentiment":"neutral","sentiment_score":0.04376087292519853},{"text":"My brain doesn't work.","start_word":439,"end_word":442,"sentiment":"negative","sentiment_score":-0.5183151960372925},{"text":"Yeah. They're okay. So where are you I guess, what what's your what's your address now that you're back in Australia? I'm still the same. I'm still in the same house. I talked to some court. Yep. Alright. Perfect. And, like, have you did did you separate from your partner, or are you are We you, are separated. okay, separated with the intention of divorce or just temporarily separated at the moment? Can't really sit there at the moment. Still waiting for all the time. Okay. So with the separation, have you guys separated any of the assets that you hold? Because I know that you had both the primary residence and an investment property. Yeah. No. Not yet. We haven't done anything yet. Okay. So no financial separation has occurred yet. No. Not yet. Alright. Is he residing in the same house as yourself? No. He's actually the agreement did comply. Okay. So it's just you and your son that are living at Gibson Yes. Court. Okay. Alright. And I know the, like, the investment property, you guys own 5050 together. Yes. Yeah. Is the like, have you guys in any way, shape, or form, like, talked about what separating finances look like? Or No. We actually haven't talked about anything yet with regards to the all the assets that we have. because can I just I I guess I wanna confirm? The 12 Gibson Court, is that yours or is that a a shared property? Like, do you have a 100% ownership? No. It's a shared property. Okay. And then the investment property that you own, is that a shared property as Yes. well? Okay. And then he he owns a Ford Ranger, and then you have a Suzuki? The Ford Ranger is no longer working. So he has a new vehicle, which is the she's a Toyota Hilux, but I'm the one using it. Alright. So, like, the he has a Toyota Hilux, but you're using it, and then there's the Suzuki Yeah. Alto as well. Yeah. The Suzuki Alto, he broke it. Okay. So two so so both the vehicles you did have are no longer working. He yes. No. That's okay. So are we just down to one one car between the two of you at the moment? Yes. Because Yeah. he doesn't need one where he is at the moment. Alright. Sounds okay. And then the cryptocurrency, is that in your name or is that in joint names? It is only his name. I have In no idea now with what's going on with this crypto. okay. So the crypto is his, not joint. Not mine. No. Not Okay. mine. Okay. Alright. So with, I guess, respect to the other, like, the assets, probably a a bit of a bigger conversation as to what what we're gonna do splitting the assets and whether there is, like, grounds for, you know, what that looks like, whether we're gonna be amicable, you know, whether superannuation is gonna come into it and what that looks like overall. Aside from that, I guess, you said you were back back working. Are you are you full time? Because I know you're you're a teacher. Are you full time teaching, or are we still part Yes. time? I'm going back to full time. Okay. Are you still sitting on that sort of $100,000 income? Oh, yeah. 109. 109? Yeah. Okay.","start_word":443,"end_word":1012,"sentiment":"neutral","sentiment_score":-0.018257879970693273},{"text":"That's cool. Excellent.","start_word":1013,"end_word":1015,"sentiment":"positive","sentiment_score":0.5079788565635681},{"text":"And I'm then about to I'm about to have another increase again in the next couple of months. okay. Do you know what that's gonna go up to or not quite sure? I think it's gonna go a 115. 115? Okay. Perfect. But right now, it's 109.","start_word":1016,"end_word":1062,"sentiment":"neutral","sentiment_score":-0.014277634210884573},{"text":"Fantastic.","start_word":1063,"end_word":1063,"sentiment":"positive","sentiment_score":0.4761367738246918},{"text":"And the mortgage on the on Gibson Court, does that still sit around a 115,000? Sorry. In Gibson Court, that's still 500,000. Yeah. Yes. So is it about 515,000 in the mortgage? I think it's already 502, 501, something like that. Alright. Cool. So we've paid off a little bit in the last twelve months. Makes sense.","start_word":1064,"end_word":1120,"sentiment":"neutral","sentiment_score":0.06343334913253784},{"text":"And that's good. Good. Good.","start_word":1121,"end_word":1125,"sentiment":"positive","sentiment_score":0.5066719651222229},{"text":"Okay. So about nearly nearly 500 flats.","start_word":1126,"end_word":1132,"sentiment":"neutral","sentiment_score":0.2535948157310486},{"text":"That's excellent.","start_word":1133,"end_word":1134,"sentiment":"positive","sentiment_score":0.5611391663551331},{"text":"Yes. But I don't know if I have mentioned to you about the other personal loan that we have. No. I didn't have another personal loan. I was what was that to purchase the car? Or No. We purchased another property in The Philippines. okay. So you've got a personal loan here in Australia, and you purchased a property in The Philippines. Whose name Yes. is the loan in? Both of our names. Joint names? What's the what's the what's the debt? What's the loan for? The loan was 14. Now it's down to give me a second. 17. So it's at $44.00, and now it's down to 17. Okay. Yep. Alright. And we have a property in The Philippines. Yep. Okay. Do you know what the property in The Philippines is valued at, Australian dollar? Let me have a look. That's okay. And then I So guess let the follow-up question is, is the property in The Philippines, is me that in your name or joint names? joint names. Okay. Exchange rate. So it's about $50. It's about $50,000 value. Right? That's when we bought it, but I don't know now. Alright. No. That's okay. That's alright. So it was about $50,000 value at the time. Alright. So now with respect to, I guess, where we're at, I guess, the advice that we were looking to implement twelve months ago was centered around transferring your funds into, like, Hub twenty four Yes. and taking on an insurance policy. Yes. And at the time, we we paused on everything because you were going through so much, Yes. and you sort of needed that time. Now Yeah. I know at the time you had gone through a bit of a a a health incident as well, and you had a quite a major concussion that had ongoing issues. Has the concussion been resolved and has like, how are you going with your, like, brain, essentially? Because that's where where I guess the issues were.","start_word":1135,"end_word":1467,"sentiment":"neutral","sentiment_score":-0.05879921797249052},{"text":"It's still it's still bad, though. With the concussion, I still have headaches. So I'm really thinking of, like, there's if there's a like, with my subconscious, do I have to it hasn't really changed. Like, it's not I don't know if it's as bad as last year or a little bit different.","start_word":1468,"end_word":1520,"sentiment":"negative","sentiment_score":-0.3960120677947998},{"text":"Well, although when I last when I have last spoken to you, probably that was at the time of the incident that was really bad. So it has been reduced or minimized just a little bit, but, yeah, it's still ongoing. Okay. Are you under any treatment for Migraine. migraine treatments? And have they have they connected? Like, have they has it been determined by a doctor that the migraines were caused by, I guess, the incident that it did occur at the time? Yes.","start_word":1521,"end_word":1605,"sentiment":"neutral","sentiment_score":-0.15011708438396454},{"text":"It has it has impacted because I haven't had delayed migraines.","start_word":1606,"end_word":1616,"sentiment":"negative","sentiment_score":-0.44581902027130127},{"text":"Yeah. That's what, yeah, that's what my daughter has told me. I got migraine. Okay. And how often do you get the migraines? I have to say, actually, because I got headaches most of this in group day. But it's when it's when it's, like, proper migraine, migraine, migraine. I don't know. Once a month or once every three months, like papa papa migraine. Okay. But just headaches are just yeah. Every day, headaches, not not as papa papa because I'm not life sensitive. I'm not Okay. I'm not and migraines. And yeah. And with the I guess with the headaches, like, did you you did you get them before the incident that did occur twelve months ago? Or No. I actually had it after the incident. yeah. Okay. Alright. Now I guess I because it's been twelve months and and there's been a few like, a number of changes that have happened, I need to go away and I need to have a look over everything again. There's been, you know, massive climate changes in the market, everything like that. You've also had twelve months worth of changes to your current fund as well. So if I can send you an email and get you to send through a statement from your Aware Superfund, just so I can get an update on where that account sits now twelve months down the line, that would be Yes.","start_word":1617,"end_word":1853,"sentiment":"neutral","sentiment_score":-0.08218600874460197},{"text":"great.","start_word":1854,"end_word":1854,"sentiment":"positive","sentiment_score":0.5121974945068359},{"text":"But aside from that, I guess, what I need to do is to confirm what your goals are right now and what you're trying to achieve. To be honest, I still don't know with with regards to my circumstances right now because it might dramatically change. So I am probably just touching base whether I will be able to return to the probably, I will most likely sign up after we separate all of the assets and what's And do going. the divorce. Yeah. I absolutely have no idea what's happening. We haven't talked about it yet. But, yeah, I have spoken to my lawyer already, but then I don't know what's gonna happen next to them. So Absolutely. hopefully sign up as soon as I have all the details and other stuff. And, also, I just had my insurance as well with the with the wear, but I don't know how how it is going to affect another stuff. So, Yeah. probably, I just have to wait till my circumstance will change. Settle. Yeah. Just realistically Unfortunately until they settle. yeah. No. No. And look, is it calling up and and at least touching base and me me being able to get, I guess, a bit of an update on where you're at is good.","start_word":1855,"end_word":2070,"sentiment":"neutral","sentiment_score":-0.08329632133245468},{"text":"You know, still keeping, you know, in contact is really, really good.","start_word":2071,"end_word":2082,"sentiment":"positive","sentiment_score":0.6274451017379761},{"text":"But, yeah, I I I was sort of kind of leaning a little bit that way as well. Like, I can always have a look at things, but to be able to, I guess, have a really good picture as to where everything is sitting for you and to be able to move forward, I do sort of need to have a bit of a solid idea as to what we're gonna do with the finances. So once you do have a bit of a more solid plan on the finance side of things, we could definitely move forward and and have a look at Yeah. it. But I guess Yes. yeah. Just right now, it's a little bit a little bit up in the air. And so, Yeah. I guess, you've had a chance to sit down and talk with your ex about it. It does make things a little bit difficult. Yep. That's a I I absolutely understand that because I was like, I have no idea as well what's what's gonna happen after after this because we haven't really started talking about assets. We we just started about, yeah, with the separation, but other than that, that's it. Because, yeah, I don't know yet. I don't have any Yeah. answers to that as well. No. That's okay. Well, but how about would you like me to sort of maybe put in my calendar to touch base with you in six months or so? And if you end up having an answer before then, then you can always reach out to me. But, otherwise, Oh, sure. I'll just Okay. I'll just I can just be a friendly friendly touch base in six months when you've had a chance to really sit down and talk about our finances, and what that looks like. Yep.","start_word":2083,"end_word":2387,"sentiment":"neutral","sentiment_score":0.06287071108818054},{"text":"That sounds great. Yeah. Alright. Perfect. We can do that.","start_word":2388,"end_word":2397,"sentiment":"positive","sentiment_score":0.4956752061843872},{"text":"And for now, at least I have a bit of an update on where you're at and what's happened over the last twelve months. And then, yeah, I can touch base with you in sort of six months' time. And and like I said, if you have if if anything happens before then, you're more than welcome to reach out. But, otherwise, I'll reach out to you in six months.","start_word":2398,"end_word":2467,"sentiment":"neutral","sentiment_score":0.1919629454612732},{"text":"Okay. Thank you very much.","start_word":2468,"end_word":2472,"sentiment":"positive","sentiment_score":0.5785825252532959},{"text":"No. That's okay.","start_word":2473,"end_word":2475,"sentiment":"neutral","sentiment_score":-0.029487045481801033},{"text":"Well, good luck, and please don't hesitate to give me a call. Thank you. Bye. That's okay. Bye, Have a Lotte. great day. You too.","start_word":2476,"end_word":2500,"sentiment":"positive","sentiment_score":0.42766961455345154},{"text":"Bye.","start_word":2501,"end_word":2501,"sentiment":"neutral","sentiment_score":0.2755889296531677}],"average":{"sentiment":"neutral","sentiment_score":-0.0028891672123126035}}}}