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But before before I do, just like usual, just letting you know our calls are being recorded for quality and coaching, if that's all good. Beautiful. And just a password on file for you as well, Poppy. Just your password for Security Purposes as well? Yeah. Perfect. Yeah. So I do I I do apologize that I wasn't able to make the appointment last week. How are you? Well, no. I actually have some news to tell you, and I'm pregnant at the moment. Yeah. Thank you. So yeah. So that's why I had to kind of rush off because I wasn't feeling too good. I just had to go and see the midwife, but all is good with, yeah, the baby. Thank you. Yeah. So six months already, so time's going fast. Yeah. Yeah. Yeah. Yeah. No. Yep. Yep. Right. Yeah. Yep. Exactly. Exactly. And I did find out as well that it is a little a little girl. So I'm very happy. Yeah. Yeah. But enough about me. Yeah. Yes. We are keeping it a secret, though, just for everyone's everyone's opinions. You know? Right? Yes. Oh, thanks, Holly. I appreciate it. Yeah. Oh, thank you. Oh, right. Yeah. Exactly. Yeah. Yeah. No. No. And if I need to, then we have flexibility. Like, I work from home. Like, I got everything set up as well. So if there's people with with a bit of flu because, yeah, it's going around. So definitely. You're you're feeling better, though? Yeah. Oh, beautiful. Oh, that's good. Well, enough about me. What can I help you with? I had you booked in for a little bit of a catch up. Yeah. Yeah. Yep. Mhmm. Let me go into your account right now and have a look for you. MyGov is a bit out of date, to be fair. Yeah. No. Because yeah. No. If you have a look at it, it should also tell you updated sorry. It's like a little fine print when you see it, and it should say updated last as of. And sometimes they even do it, like, financial year. Sometimes they do it even couple of months. So I've had that before as well where I looked, and I was like, hang on a minute. No. Sorry. I'm in your and I I can send you the app, and I can send you a bit of an updated report for the last twelve months as of today, so you have it as well. And it's actually going it's actually going really good given, obviously, what's happening in the market the last twelve months. It's been quite a bit of turbulence, and, obviously, more recently with the war and stuff, we have seen a bit of fluctuation. But everything that we have kind of changed with your super since we spoke last, it is heading in a really good way despite everything, so that's great. So as of right now, your super balance is at 320,700. 7 100. Yeah. If you were like a no. No. No. No. No. I wouldn't do that. Sorry. Three 100. Yeah. Yeah. Yeah. Mhmm. Yeah. Sevy? Yes. Sevy. Yeah. Mhmm. Mhmm. Okay. So let me have a look at that. So what we do is we do a bit of a projection. So each annual review or when we do advise, we do a bit of an updated projection for you. Now, obviously, it's no guarantee because things are always changing, and it depends on your situation. But how it kind of works, it works on the fees you are paying with your contributions. So, obviously, assuming the income stays the same, contributions from employer goes the same, any fees that comes out. So it's affecting everything for you, works it off your super balance, and then it factors in the return of your investment. Now when we normally use the return of your investments as well, we we don't wanna just use a twelve month period because in a twelve month period, as you would have seen, obviously, in the news and everything as well, things can fluctuate. So it can be a bit uncertain. So what we normally do is we use a five year rolling average. So basically using a five year time frame and then just dividing that on a yearly basis to give us a little bit more certainty on how the portfolio has performed, but also the market as well. So give you a little bit more certainty of what has happened than just a twelve month period. So what we then use is to use the return on the investments using that five year historical, and then we kind of project it forward depending on, obviously, x amount of years that you wanna look at. And that then give us what the estimated outcome is at the time of retirement. Does that yes. Would yeah. Yeah. Yeah. If they do, make sure they say your name so you get it. Yeah. Mhmm. Do you want an updated version? Yeah. Of course. Okay. Yes. Yeah. Yep. Yeah. I'm looking forward to it. I'm with you. Yeah. Yes. Of course. Of course. I'll be busy. Yeah. Yeah. Yes. Yeah. Yeah. Yeah. They know it today. Wow. Yes. Yep. Exactly. Take it as it comes. Yeah. Yeah. Yep. Yeah. Yeah. Yes. Yes. Yes. I could do an updated projection for you, and I can use it as of today's balance. And assuming no contributions yeah. Do you correct. Now did you say you want it, like, five and ten years frame, or what kind of time frame? Five years? Yep. Yeah. Yep. Yep. Yes. Yes. Yeah. Perfect. No. I can definitely do that do that for you. Yeah. Okay. Yeah. Yeah. Yep. What do we do? Yes. Yes. And that is all part. So when when when that happens, when you're ready, just give me a call, and we can book in a bit of a chat and have a bit of a chat about it further. That is no problem. Yeah. Yeah. Oh, good. Oh, beautiful. I will let him know. He will be happy with that. Oh. Oh god. I'm glad you got and he's the he's the. Sorry. He he got yeah. Yeah. Nice and convenient. Yeah. That's great. Mhmm. Right. Yeah. No. Beautiful. Oh, that's good. I will let him know. He'll be very happy. But, yes, I will do no contribution for you. Now I also just wanna let you know just a bit of an update on your return. So even though, obviously, not working, not getting contributions in the last twelve months, if you're looking from literally as of today, your super is still up. So the growth of your investment is still up by 9.25%. So very happy with that. Yeah. So it's fluctuating, so it depends on what they're looking at. But the average stays at a sales point, and now this is usually used before fees. So it depends on what you were looking at, but people tend to say about 8% before fees. So you are 9 through five after fees, so even more if you are looking at the same. Yeah. Yeah. Beautiful. Beautiful. Now I will get this sorted for you. Now it will take let me have a look. I will kinda have it to you ASAP, but it might be latest end of Thursday. So end of business day, Thursday. Is that okay? This week. End of Thursday this week. Latest. Yes. Yeah. Yep. I'll communicate. Yep. Beautiful. I'll put it I'll put it I'll put it on the list as a priority for you. But, yeah, just just so you know, I'll have it through you by Thursday, end of business day, the latest. So just keep a lookout for that email. No. That's okay. If there's anything you need or when you are ready to have another discussion in regards to what to do, just let me know. Like always, I'm always here if you if you need an appointment or anything. But, yeah, it was lovely chatting to you, and I shall speak to you soon, Poppy. No. Thank you so much. I'm sure he'll speak soon as well. No worries. Thanks, Poppy. You too. 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Is this Poppy? This is yes. How are you? Good.\n\nYes. Well, I do have something to tell you about that. But before before I do, just like usual, just letting you know our calls are being recorded for quality and coaching, if that's all good. Beautiful. And just a password on file for you as well, Poppy.\n\nJust your password for Security Purposes as well? Yeah. Perfect. Yeah. So I do I I do apologize that I wasn't able to make the appointment last week.\n\nHow are you? Well, no. I actually have some news to tell you, and I'm pregnant at the moment. Yeah. Thank you.\n\nSo yeah. So that's why I had to kind of rush off because I wasn't feeling too good. I just had to go and see the midwife, but all is good with, yeah, the baby. Thank you. Yeah.\n\nSo six months already, so time's going fast. Yeah. Yeah. Yeah. Yeah.\n\nNo. Yep. Yep. Right. Yeah.\n\nYep. Exactly. Exactly. And I did find out as well that it is a little a little girl. So I'm very happy.\n\nYeah. Yeah. But enough about me. Yeah. Yes.\n\nWe are keeping it a secret, though, just for everyone's everyone's opinions. You know? Right? Yes. Oh, thanks, Holly.\n\nI appreciate it. Yeah. Oh, thank you. Oh, right. Yeah.\n\nExactly. Yeah. Yeah. No. No.\n\nAnd if I need to, then we have flexibility. Like, I work from home. Like, I got everything set up as well. So if there's people with with a bit of flu because, yeah, it's going around. So definitely.\n\nYou're you're feeling better, though? Yeah. Oh, beautiful. Oh, that's good. Well, enough about me.\n\nWhat can I help you with? I had you booked in for a little bit of a catch up. Yeah. Yeah. Yep.\n\nMhmm. Let me go into your account right now and have a look for you. MyGov is a bit out of date, to be fair. Yeah. No.\n\nBecause yeah. No. If you have a look at it, it should also tell you updated sorry. It's like a little fine print when you see it, and it should say updated last as of. And sometimes they even do it, like, financial year.\n\nSometimes they do it even couple of months. So I've had that before as well where I looked, and I was like, hang on a minute. No. Sorry. I'm in your and I I can send you the app, and I can send you a bit of an updated report for the last twelve months as of today, so you have it as well.\n\nAnd it's actually going it's actually going really good given, obviously, what's happening in the market the last twelve months. It's been quite a bit of turbulence, and, obviously, more recently with the war and stuff, we have seen a bit of fluctuation. But everything that we have kind of changed with your super since we spoke last, it is heading in a really good way despite everything, so that's great. So as of right now, your super balance is at 320,700. 7 100.\n\nYeah. If you were like a no. No. No. No.\n\nNo. I wouldn't do that. Sorry. Three 100. Yeah.\n\nYeah. Yeah. Mhmm. Yeah. Sevy?\n\nYes. Sevy. Yeah. Mhmm. Mhmm.\n\nOkay. So let me have a look at that. So what we do is we do a bit of a projection. So each annual review or when we do advise, we do a bit of an updated projection for you. Now, obviously, it's no guarantee because things are always changing, and it depends on your situation.\n\nBut how it kind of works, it works on the fees you are paying with your contributions. So, obviously, assuming the income stays the same, contributions from employer goes the same, any fees that comes out. So it's affecting everything for you, works it off your super balance, and then it factors in the return of your investment. Now when we normally use the return of your investments as well, we we don't wanna just use a twelve month period because in a twelve month period, as you would have seen, obviously, in the news and everything as well, things can fluctuate. So it can be a bit uncertain.\n\nSo what we normally do is we use a five year rolling average. So basically using a five year time frame and then just dividing that on a yearly basis to give us a little bit more certainty on how the portfolio has performed, but also the market as well. So give you a little bit more certainty of what has happened than just a twelve month period. So what we then use is to use the return on the investments using that five year historical, and then we kind of project it forward depending on, obviously, x amount of years that you wanna look at. And that then give us what the estimated outcome is at the time of retirement.\n\nDoes that yes. Would yeah. Yeah. Yeah. If they do, make sure they say your name so you get it.\n\nYeah. Mhmm. Do you want an updated version? Yeah. Of course.\n\nOkay. Yes. Yeah. Yep. Yeah.\n\nI'm looking forward to it. I'm with you. Yeah. Yes. Of course.\n\nOf course. I'll be busy. Yeah. Yeah. Yes.\n\nYeah. Yeah. Yeah. They know it today. Wow.\n\nYes. Yep. Exactly. Take it as it comes. Yeah.\n\nYeah. Yep. Yeah. Yeah. Yes.\n\nYes. Yes. I could do an updated projection for you, and I can use it as of today's balance. And assuming no contributions yeah. Do you correct.\n\nNow did you say you want it, like, five and ten years frame, or what kind of time frame? Five years? Yep. Yeah. Yep.\n\nYep. Yes. Yes. Yeah. Perfect.\n\nNo. I can definitely do that do that for you. Yeah. Okay. Yeah.\n\nYeah. Yep. What do we do? Yes. Yes.\n\nAnd that is all part. So when when when that happens, when you're ready, just give me a call, and we can book in a bit of a chat and have a bit of a chat about it further. That is no problem. Yeah. Yeah.\n\nOh, good. Oh, beautiful. I will let him know. He will be happy with that. Oh.\n\nOh god. I'm glad you got and he's the he's the. Sorry. He he got yeah. Yeah.\n\nNice and convenient. Yeah. That's great. Mhmm. Right.\n\nYeah. No. Beautiful. Oh, that's good. I will let him know.\n\nHe'll be very happy. But, yes, I will do no contribution for you. Now I also just wanna let you know just a bit of an update on your return. So even though, obviously, not working, not getting contributions in the last twelve months, if you're looking from literally as of today, your super is still up. So the growth of your investment is still up by 9.25%.\n\nSo very happy with that. Yeah. So it's fluctuating, so it depends on what they're looking at. But the average stays at a sales point, and now this is usually used before fees. So it depends on what you were looking at, but people tend to say about 8% before fees.\n\nSo you are 9 through five after fees, so even more if you are looking at the same. Yeah. Yeah. Beautiful. Beautiful.\n\nNow I will get this sorted for you. Now it will take let me have a look. I will kinda have it to you ASAP, but it might be latest end of Thursday. So end of business day, Thursday. Is that okay?\n\nThis week. End of Thursday this week. Latest. Yes. Yeah.\n\nYep. I'll communicate. Yep. Beautiful. I'll put it I'll put it I'll put it on the list as a priority for you.\n\nBut, yeah, just just so you know, I'll have it through you by Thursday, end of business day, the latest. So just keep a lookout for that email. No. That's okay. If there's anything you need or when you are ready to have another discussion in regards to what to do, just let me know.\n\nLike always, I'm always here if you if you need an appointment or anything. But, yeah, it was lovely chatting to you, and I shall speak to you soon, Poppy. No. Thank you so much. I'm sure he'll speak soon as well.\n\nNo worries. Thanks, Poppy. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":2.0,"end":2.32,"sentiment":"neutral","sentiment_score":0.02661280706524849},{"text":"Is this Poppy?","start":2.32,"end":3.22,"sentiment":"neutral","sentiment_score":0.060551200062036514},{"text":"This is yes.","start":4.7999997,"end":6.42,"sentiment":"neutral","sentiment_score":0.16298858324686685},{"text":"How are you?","start":6.7999997,"end":7.7,"sentiment":"neutral","sentiment_score":0.22509369254112244},{"text":"Good.","start":10.08,"end":10.58,"sentiment":"neutral","sentiment_score":-0.04327821359038353}],"sentiment":"neutral","sentiment_score":0.12083954736590385,"num_words":11,"start":2.0,"end":10.58},{"sentences":[{"text":"Yes.","start":11.84,"end":12.34,"sentiment":"neutral","sentiment_score":0.007664931938052177},{"text":"Well, I do have something to tell you about that.","start":12.4,"end":14.82,"sentiment":"neutral","sentiment_score":0.034115143679082395},{"text":"But before before I do, just like usual, just letting you know our calls are being recorded for quality and coaching, if that's all good.","start":15.825,"end":23.744999,"sentiment":"neutral","sentiment_score":0.07865943729877473},{"text":"Beautiful.","start":23.744999,"end":24.244999,"sentiment":"positive","sentiment_score":0.5441716909408569},{"text":"And just a password on file for you as well, Poppy.","start":25.265,"end":28.244999,"sentiment":"neutral","sentiment_score":0.09286150776527145}],"sentiment":"neutral","sentiment_score":0.0808531370324393,"num_words":48,"start":11.84,"end":28.244999},{"sentences":[{"text":"Just your password for Security Purposes as well?","start":30.64,"end":33.2,"sentiment":"neutral","sentiment_score":0.018150522839277983},{"text":"Yeah.","start":33.2,"end":33.7,"sentiment":"neutral","sentiment_score":0.038715798407793045},{"text":"Perfect.","start":34.72,"end":35.22,"sentiment":"positive","sentiment_score":0.3794264793395996},{"text":"Yeah.","start":36.079998,"end":36.32,"sentiment":"neutral","sentiment_score":0.033852558583021164},{"text":"So I do I I do apologize that I wasn't able to make the appointment last week.","start":36.32,"end":42.34,"sentiment":"neutral","sentiment_score":-0.09281766316031709}],"sentiment":"neutral","sentiment_score":-0.035025044810026884,"num_words":28,"start":30.64,"end":42.34},{"sentences":[{"text":"How are you?","start":44.365,"end":45.185,"sentiment":"neutral","sentiment_score":-0.01313980482518673},{"text":"Well, no.","start":50.045002,"end":51.585,"sentiment":"neutral","sentiment_score":-0.06529958732426167},{"text":"I actually have some news to tell you, and I'm pregnant at the moment.","start":51.645,"end":58.465,"sentiment":"neutral","sentiment_score":-0.04637542752815144},{"text":"Yeah.","start":59.01,"end":59.51,"sentiment":"neutral","sentiment_score":0.12620419263839722},{"text":"Thank you.","start":62.85,"end":63.67,"sentiment":"neutral","sentiment_score":0.17589226365089417}],"sentiment":"neutral","sentiment_score":-0.015512993389909918,"num_words":22,"start":44.365,"end":63.67},{"sentences":[{"text":"So yeah.","start":64.21,"end":65.729996,"sentiment":"neutral","sentiment_score":0.16342186741530895},{"text":"So that's why I had to kind of rush off because I wasn't feeling too good.","start":65.729996,"end":69.09,"sentiment":"neutral","sentiment_score":-0.1305320225073956},{"text":"I just had to go and see the midwife, but all is good with, yeah, the baby.","start":69.09,"end":74.549995,"sentiment":"neutral","sentiment_score":0.03811121666256119},{"text":"Thank 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I did find out as well that it is a little a little girl.","start":121.87,"end":125.15,"sentiment":"positive","sentiment_score":0.39245343406995137},{"text":"So I'm very happy.","start":125.15,"end":126.29,"sentiment":"positive","sentiment_score":0.608995757997036}],"sentiment":"positive","sentiment_score":0.400232768194242,"num_words":22,"start":115.07,"end":126.29},{"sentences":[{"text":"Yeah.","start":128.355,"end":128.855,"sentiment":"positive","sentiment_score":0.3716460168361664},{"text":"Yeah.","start":131.395,"end":131.895,"sentiment":"neutral","sentiment_score":0.13946044445037842},{"text":"But enough about 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Holly.","start":150.05,"end":151.73,"sentiment":"neutral","sentiment_score":0.157700647910436}],"sentiment":"neutral","sentiment_score":0.040821373242100605,"num_words":19,"start":138.435,"end":151.73},{"sentences":[{"text":"I appreciate it.","start":151.73,"end":153.03,"sentiment":"neutral","sentiment_score":0.1675482839345932},{"text":"Yeah.","start":155.345,"end":155.845,"sentiment":"neutral","sentiment_score":0.1262187659740448},{"text":"Oh, thank you.","start":156.305,"end":157.605,"sentiment":"neutral","sentiment_score":0.027942015479008358},{"text":"Oh, 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if I need to, then we have flexibility.","start":170.76,"end":172.92,"sentiment":"neutral","sentiment_score":-0.01693177285293738},{"text":"Like, I work from home.","start":172.92,"end":173.8,"sentiment":"neutral","sentiment_score":0.03221957795321941},{"text":"Like, I got everything set up as well.","start":173.8,"end":175.48,"sentiment":"neutral","sentiment_score":0.056716617895290256},{"text":"So if there's people with with a bit of flu because, yeah, it's going around.","start":175.48,"end":179.4,"sentiment":"neutral","sentiment_score":-0.05872879767169555},{"text":"So definitely.","start":179.4,"end":180.78,"sentiment":"neutral","sentiment_score":-0.008567194920033216}],"sentiment":"neutral","sentiment_score":-0.011169781478551718,"num_words":39,"start":170.76,"end":180.78},{"sentences":[{"text":"You're you're feeling better, 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let me have a look at that.","start":340.97,"end":342.72998,"sentiment":"neutral","sentiment_score":0.019040072103962302},{"text":"So what we do is we do a bit of a projection.","start":342.72998,"end":346.865,"sentiment":"neutral","sentiment_score":0.04276437576239308},{"text":"So each annual review or when we do advise, we do a bit of an updated projection for you.","start":346.865,"end":354.54498,"sentiment":"neutral","sentiment_score":0.03847963735461235},{"text":"Now, obviously, it's no guarantee because things are always changing, and it depends on your situation.","start":354.54498,"end":359.685,"sentiment":"neutral","sentiment_score":-0.09900812315754592}],"sentiment":"neutral","sentiment_score":-0.002978007242615734,"num_words":56,"start":339.84998,"end":359.685},{"sentences":[{"text":"But how it kind of works, it works on the fees you are paying with your contributions.","start":360.34,"end":367.47998,"sentiment":"neutral","sentiment_score":0.1135389544069767},{"text":"So, obviously, assuming the income stays the same, contributions from employer goes the same, any fees that comes out.","start":368.02,"end":375.845,"sentiment":"neutral","sentiment_score":0.0864188902472195},{"text":"So it's affecting everything for you, works it off your super balance, and then it factors in the return of your investment.","start":375.845,"end":385.385,"sentiment":"neutral","sentiment_score":0.0960563759912144},{"text":"Now when we normally use the return of your investments as well, we we don't wanna just use a twelve month period because in a twelve month period, as you would have seen, obviously, in the news and everything as well, things can fluctuate.","start":386.1,"end":399.0,"sentiment":"neutral","sentiment_score":-0.06666036873039874},{"text":"So it can be a bit uncertain.","start":399.725,"end":401.085,"sentiment":"neutral","sentiment_score":-0.237449049949646}],"sentiment":"neutral","sentiment_score":0.010001484748967197,"num_words":109,"start":360.34,"end":401.085},{"sentences":[{"text":"So what we normally do is we use a five year rolling average.","start":401.085,"end":405.345,"sentiment":"neutral","sentiment_score":0.011720939037891535},{"text":"So basically using a five year time frame and then just dividing that on a yearly basis to give us a little bit more certainty on how the portfolio has performed, but also the market as well.","start":405.805,"end":417.26,"sentiment":"neutral","sentiment_score":0.10496779249326603},{"text":"So give you a little bit more certainty of what has happened than just a twelve month period.","start":417.26,"end":423.82,"sentiment":"neutral","sentiment_score":0.11883567811714278},{"text":"So what we then use is to use the return on the investments using that five year historical, and then we kind of project it forward depending on, obviously, x amount of years that you wanna look at.","start":423.82,"end":437.735,"sentiment":"neutral","sentiment_score":0.14190329650515005},{"text":"And that then give us what the estimated outcome is at the time of retirement.","start":437.955,"end":443.55,"sentiment":"neutral","sentiment_score":0.09693520317475}],"sentiment":"neutral","sentiment_score":0.10761633099726409,"num_words":121,"start":401.085,"end":443.55},{"sentences":[{"text":"Does that yes.","start":445.77,"end":449.07,"sentiment":"neutral","sentiment_score":0.031526746849219},{"text":"Would yeah.","start":456.205,"end":458.94498,"sentiment":"neutral","sentiment_score":-0.10702946409583092},{"text":"Yeah.","start":464.285,"end":464.785,"sentiment":"neutral","sentiment_score":-0.08202110230922699},{"text":"Yeah.","start":465.005,"end":465.505,"sentiment":"neutral","sentiment_score":-0.01473548635840416},{"text":"If they do, make sure they say your name so you get 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email.","start":762.37,"end":764.07,"sentiment":"neutral","sentiment_score":0.22768349573016167},{"text":"No.","start":764.45,"end":764.95,"sentiment":"neutral","sentiment_score":0.056376077234745026},{"text":"That's okay.","start":765.17,"end":765.81,"sentiment":"neutral","sentiment_score":0.09499989449977875},{"text":"If there's anything you need or when you are ready to have another discussion in regards to what to do, just let me know.","start":765.81,"end":771.33,"sentiment":"neutral","sentiment_score":0.08464707372089227}],"sentiment":"neutral","sentiment_score":0.11491959460756995,"num_words":55,"start":755.825,"end":771.33},{"sentences":[{"text":"Like always, I'm always here if you if you need an appointment or anything.","start":771.33,"end":776.135,"sentiment":"neutral","sentiment_score":0.1361245262835707},{"text":"But, yeah, it was lovely chatting to you, and I shall speak to you soon, Poppy.","start":776.135,"end":779.91504,"sentiment":"positive","sentiment_score":0.5107509177178144},{"text":"No.","start":781.58093,"end":782.08093,"sentiment":"neutral","sentiment_score":0.3261528015136719},{"text":"Thank you so much.","start":783.1809,"end":784.40094,"sentiment":"positive","sentiment_score":0.8471141457557678},{"text":"I'm sure he'll speak soon as well.","start":784.7009,"end":786.5609,"sentiment":"neutral","sentiment_score":0.30160869870867046}],"sentiment":"positive","sentiment_score":0.3786578173083918,"num_words":42,"start":771.33,"end":786.5609},{"sentences":[{"text":"No worries.","start":788.22095,"end":788.78094,"sentiment":"positive","sentiment_score":0.3353399932384491},{"text":"Thanks, Poppy.","start":788.78094,"end":789.5009,"sentiment":"positive","sentiment_score":0.7227480709552765},{"text":"You 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Yes. It is. Is that Veronica? I'm doing well. Thanks, hon. How are you? You're sick. Yep. Yep. Oh, good. Yep. The what? Sorry? Oh, Lazarus. Lazarus. Yeah. Lazarus. Yeah. Hi. I apologize. I was sick as well. It worked out. I was so sick. My whole family, we're all been what did you have? Did you have the Louise thing that's going around? Congratulations. Oh my god. Oh my god. That's so good. You're yeah. Oh, I'm so happy for you. That's wonderful. How exciting. How far are you? How far along are you? Oh my god. Oh, and you won't be sowing. Okay. My sister's had four. Right? And so all I can tell you is the first the first your first baby, it's like it's because your body doesn't know what she's doing. It's just remain calm. Read a whole lot of books. Don't listen to anyone because everyone tells you different bullshit. And it's it's personal. And that's yeah. Well, everyone's gonna tell you, just take it with a grain of salt. Yeah. Yeah. Okay. So it's wonderful. It's exciting. It's amazing. And Yeah. It's just it's take it. You have any problems you're gonna be pregnant in your life. Be happy. You know what I mean? Yes. Yes. Bravo. That's oh my god. That's so good. That is so good. Oh, so the everything that's amazing. Would you have any names? Yes? Fair enough. Yes. Yes. Yeah. No. That's good. Well done. I'm really, really I'm proud, and I'm happy for you. Yeah. Okay. Yeah. Well done. I'm really happy for you. I'm so glad that you anyway, you gotta stay away from all sick people. Because you can't take anything now. Just stay away from them. And if they if you know they're sick, they need to wear a mask or just stay away. Don't kiss anyone. Just stay away. Alright? Yep. Boy from home. It is alright. Oh, all my family's sick, and it knocked us around so bad. Like, I was I was I'm glad last even last week, I've been just come blessing. Flu, like, this has been terrible. It's knocked me around a lot. But, anyway, we're all coming good now. I'm at my parents' house. Yeah. Much better much better than last last week. Yes. No. No. It's all good. Yes. No. Oh, what I wanted to yeah. Just a little bit. What I'd like to know is I just I I had a look at my we're looking to my My balance can you what's the my balance is 279? Yeah. But yeah. I I freaked out when I saw it because I was like, that's not be right. And I was just looking for it going, that's why I haven't been to speak to you because I was like, oh my god. Oh, okay. Thank you. 320,000. Okay. Well, that's much better than because I I think I started off. It's been fixed, and I was like, oh my god. What are they doing? Yeah. I know. And I just thought and, you know, I was yeah. No. It freaked me out. So the other the other question I wanted to ask, I remember when remember when I last year, we went a little bit nuts, and I I I I got a redundant, and then I called you guys up and blah blah blah. And then I think it was who's the boss? It was Stevie? Sevie? Sevie? Yeah. He sent me that thing that said yeah. I I think the fees were down a little bit, but when I reached 65, it was estimated that I would get 1,200,000. You know, I I wanna understand that. Yep. No. Yep. Yep. Yep. Mhmm. Mhmm. Yes. Mhmm. Okay. So that was I mean, I was working then and that that's why and when you because I in my head, and I've been telling everyone, when I retire at 65, I'm gonna get 1,200,000. And I've been saying that to everybody. Like, no. Don't speak to. You know? I know. That's what and I'm and I'm hoping that when these people come to you, I want 200 that said you'll get $200, so no one's come yet. I don't need what is that about. I'm I'm surprised my friend because I'm onto her. I'm like, you need to. Now go back to that. So could I possibly have just a a projection yes, please. I've been just for the five year, and I'm not work I've got one that I'm not work because I I know I wanna go back to work. I'm a have to go back to work because I'm using my my savings now. But I've got I love not working. I have to say I love it anyway. But I'm going to. But can you just just to calm my yes. That I know. Right? You're just gonna deal with stuff. You know? Anyway, I'm you know what I mean? It's true. You know, you don't. Like, that that again, it is a little bit boring. Yours will be okay when you stop. Because you're gonna take six months off. Yeah. You'll be very, very, very busy. You just need to be calm. The more calm and filled you guys are, the the baby will sleep. My my I had my t Lenny and Jimmy that had and now we're childcare teachers, so they, you know, knew shit. But Lenny was really, really, really they didn't sleep with with Spiro, they didn't sleep for two years. Whereas my sister like, so you need to be chilled. And I see it's easy for me to say, but there's nothing to stress about it. It's baby's healthy. Just just be chilled. That's all. Yeah. It's the you know, it's the best time. And you'll be lucky you wouldn't get a baby that sleeps, eats, poop, sleeps, eats, poops. That's it. That's what they do for the first, like, nine, eight months. And you and you you need to sleep when the baby sleeps. Okay. So anyway and now so yes, sir. Please. Yeah. Let's just do that. That'll be the worst case scenario. Do just do five years with no. Yeah. Just five because I'm gonna take I'm gonna have to get a I'll get a job, but it's just it'll it'll it'll, invoke, you know, stuff. So yeah. And I'll see the difference as well. Because in my head, I've got one point in the end. Thank you. That's all. Yeah. Yeah. I just that would be good. And then I suppose the next thing actually, let's just do that first because what I was thinking, I wouldn't I wanna once everything settles and I don't know what that means there, but I'd like to come and say, like, I mean, I've got, like, say, $200,000 to play with. What can I do? And I'm I wanna pick the bank. You know what I mean? Yeah. Good. Yeah. Yeah. Well, I paid my I actually, I paid my the the Capital Gains $23. How good is that? I love Chris. I gave him a review. Oh my god. I'm so happy. Oh, he's seen it. Oh, but but tell him that I absolutely love him. I love him. A 300 dollars to pay? He did it with me. He said, you know, next year. He said, well, just be on the phone. I was like, oh god. I love that. I just love it. Simon was an asshole, but RWG, that was the case. But anyway and and and Chris knew him. Chris knows Simon. They're all in part of the thing, so I'm glad I and I gave him the review. Simon's an idiot. Chris is wonderful. I love them. Two, please. Yep. Yes. Yep. Yeah. Yes. Right. No. I'm saying two 5%. That's good. But what the market is the market's 8%, isn't it? Oh, good. Well, I'm about to pay about that's fine. That's good. I just wanna pay about Fantastic. That's what I wanna hear. That's I love that. Yeah. Good. Yeah. Good. Good. Especially after two. No. No. I'm happy with that. That's great. Alright. End of today or this week? I don't I don't care because it's oh, yeah. That's fine. Yeah. I got no problem. Even if you just say you're really, really you can't get to me on Friday, do it Monday. I'm I'm okay. You know? Yeah. Okay. Yeah. No problem. Thank you, beautiful. Thank you very much. Yes. I will. Thanks. Thanks, Linda. I'm very happy with I'm very happy to get pregnant. Well done. Uh-oh. Thank you. Definitely. Thanks, Monica. Have a good day. Alright. Bye. Yeah. Bye, 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Yes. It is. Is that Veronica? I'm doing well.\n\nThanks, hon. How are you? You're sick. Yep. Yep.\n\nOh, good. Yep. The what? Sorry? Oh, Lazarus.\n\nLazarus. Yeah. Lazarus. Yeah. Hi.\n\nI apologize. I was sick as well. It worked out. I was so sick. My whole family, we're all been what did you have?\n\nDid you have the Louise thing that's going around? Congratulations. Oh my god. Oh my god. That's so good.\n\nYou're yeah. Oh, I'm so happy for you. That's wonderful. How exciting. How far are you?\n\nHow far along are you? Oh my god. Oh, and you won't be sowing. Okay. My sister's had four.\n\nRight? And so all I can tell you is the first the first your first baby, it's like it's because your body doesn't know what she's doing. It's just remain calm. Read a whole lot of books. Don't listen to anyone because everyone tells you different bullshit.\n\nAnd it's it's personal. And that's yeah. Well, everyone's gonna tell you, just take it with a grain of salt. Yeah. Yeah.\n\nOkay. So it's wonderful. It's exciting. It's amazing. And Yeah.\n\nIt's just it's take it. You have any problems you're gonna be pregnant in your life. Be happy. You know what I mean? Yes.\n\nYes. Bravo. That's oh my god. That's so good. That is so good.\n\nOh, so the everything that's amazing. Would you have any names? Yes? Fair enough. Yes.\n\nYes. Yeah. No. That's good. Well done.\n\nI'm really, really I'm proud, and I'm happy for you. Yeah. Okay. Yeah. Well done.\n\nI'm really happy for you. I'm so glad that you anyway, you gotta stay away from all sick people. Because you can't take anything now. Just stay away from them. And if they if you know they're sick, they need to wear a mask or just stay away.\n\nDon't kiss anyone. Just stay away. Alright? Yep. Boy from home.\n\nIt is alright. Oh, all my family's sick, and it knocked us around so bad. Like, I was I was I'm glad last even last week, I've been just come blessing. Flu, like, this has been terrible. It's knocked me around a lot.\n\nBut, anyway, we're all coming good now. I'm at my parents' house. Yeah. Much better much better than last last week. Yes.\n\nNo. No. It's all good. Yes. No.\n\nOh, what I wanted to yeah. Just a little bit. What I'd like to know is I just I I had a look at my we're looking to my My balance can you what's the my balance is 279? Yeah. But yeah.\n\nI I freaked out when I saw it because I was like, that's not be right. And I was just looking for it going, that's why I haven't been to speak to you because I was like, oh my god. Oh, okay. Thank you. 320,000.\n\nOkay. Well, that's much better than because I I think I started off. It's been fixed, and I was like, oh my god. What are they doing? Yeah.\n\nI know. And I just thought and, you know, I was yeah. No. It freaked me out. So the other the other question I wanted to ask, I remember when remember when I last year, we went a little bit nuts, and I I I I got a redundant, and then I called you guys up and blah blah blah.\n\nAnd then I think it was who's the boss? It was Stevie? Sevie? Sevie? Yeah.\n\nHe sent me that thing that said yeah. I I think the fees were down a little bit, but when I reached 65, it was estimated that I would get 1,200,000. You know, I I wanna understand that. Yep. No.\n\nYep. Yep. Yep. Mhmm. Mhmm.\n\nYes. Mhmm. Okay. So that was I mean, I was working then and that that's why and when you because I in my head, and I've been telling everyone, when I retire at 65, I'm gonna get 1,200,000. And I've been saying that to everybody.\n\nLike, no. Don't speak to. You know? I know. That's what and I'm and I'm hoping that when these people come to you, I want 200 that said you'll get $200, so no one's come yet.\n\nI don't need what is that about. I'm I'm surprised my friend because I'm onto her. I'm like, you need to. Now go back to that. So could I possibly have just a a projection yes, please.\n\nI've been just for the five year, and I'm not work I've got one that I'm not work because I I know I wanna go back to work. I'm a have to go back to work because I'm using my my savings now. But I've got I love not working. I have to say I love it anyway. But I'm going to.\n\nBut can you just just to calm my yes. That I know. Right? You're just gonna deal with stuff. You know?\n\nAnyway, I'm you know what I mean? It's true. You know, you don't. Like, that that again, it is a little bit boring. Yours will be okay when you stop.\n\nBecause you're gonna take six months off. Yeah. You'll be very, very, very busy. You just need to be calm. The more calm and filled you guys are, the the baby will sleep.\n\nMy my I had my t Lenny and Jimmy that had and now we're childcare teachers, so they, you know, knew shit. But Lenny was really, really, really they didn't sleep with with Spiro, they didn't sleep for two years. Whereas my sister like, so you need to be chilled. And I see it's easy for me to say, but there's nothing to stress about it. It's baby's healthy.\n\nJust just be chilled. That's all. Yeah. It's the you know, it's the best time. And you'll be lucky you wouldn't get a baby that sleeps, eats, poop, sleeps, eats, poops.\n\nThat's it. That's what they do for the first, like, nine, eight months. And you and you you need to sleep when the baby sleeps. Okay. So anyway and now so yes, sir.\n\nPlease. Yeah. Let's just do that. That'll be the worst case scenario. Do just do five years with no.\n\nYeah. Just five because I'm gonna take I'm gonna have to get a I'll get a job, but it's just it'll it'll it'll, invoke, you know, stuff. So yeah. And I'll see the difference as well. Because in my head, I've got one point in the end.\n\nThank you. That's all. Yeah. Yeah. I just that would be good.\n\nAnd then I suppose the next thing actually, let's just do that first because what I was thinking, I wouldn't I wanna once everything settles and I don't know what that means there, but I'd like to come and say, like, I mean, I've got, like, say, $200,000 to play with. What can I do? And I'm I wanna pick the bank. You know what I mean? Yeah.\n\nGood. Yeah. Yeah. Well, I paid my I actually, I paid my the the Capital Gains $23. How good is that?\n\nI love Chris. I gave him a review. Oh my god. I'm so happy. Oh, he's seen it.\n\nOh, but but tell him that I absolutely love him. I love him. A 300 dollars to pay? He did it with me. He said, you know, next year.\n\nHe said, well, just be on the phone. I was like, oh god. I love that. I just love it. Simon was an asshole, but RWG, that was the case.\n\nBut anyway and and and Chris knew him. Chris knows Simon. They're all in part of the thing, so I'm glad I and I gave him the review. Simon's an idiot. Chris is wonderful.\n\nI love them. Two, please. Yep. Yes. Yep.\n\nYeah. Yes. Right. No. I'm saying two 5%.\n\nThat's good. But what the market is the market's 8%, isn't it? Oh, good. Well, I'm about to pay about that's fine. That's good.\n\nI just wanna pay about Fantastic. That's what I wanna hear. That's I love that. Yeah. Good.\n\nYeah. Good. Good. Especially after two. No.\n\nNo. I'm happy with that. That's great. Alright. End of today or this week?\n\nI don't I don't care because it's oh, yeah. That's fine. Yeah. I got no problem. Even if you just say you're really, really you can't get to me on Friday, do it Monday.\n\nI'm I'm okay. You know? Yeah. Okay. Yeah.\n\nNo problem. Thank you, beautiful. Thank you very much. Yes. I will.\n\nThanks. Thanks, Linda. I'm very happy with I'm very happy to get pregnant. Well done. Uh-oh.\n\nThank you. Definitely. Thanks, Monica. Have a good day. Alright.\n\nBye. Yeah. Bye, Devon.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.017646823078393936},{"text":"Yes.","start":3.36,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.103216253221035},{"text":"It is.","start":3.6799998,"end":4.08,"sentiment":"neutral","sentiment_score":0.09702590480446815},{"text":"Is that Veronica?","start":4.08,"end":5.22,"sentiment":"neutral","sentiment_score":0.06995373964309692},{"text":"I'm doing well.","start":7.9199996,"end":8.48,"sentiment":"positive","sentiment_score":0.46670196453730267}],"sentiment":"neutral","sentiment_score":0.1924881998449564,"num_words":10,"start":0.64,"end":8.48},{"sentences":[{"text":"Thanks, hon.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.42510882019996643},{"text":"How are you?","start":8.96,"end":9.599999,"sentiment":"neutral","sentiment_score":0.10448214660088222},{"text":"You're 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Stevie?","start":321.38998,"end":322.12997,"sentiment":"neutral","sentiment_score":-0.03377769887447357},{"text":"Sevie?","start":322.43,"end":322.83,"sentiment":"neutral","sentiment_score":-0.027954798191785812},{"text":"Sevie?","start":322.83,"end":323.33,"sentiment":"neutral","sentiment_score":-0.030995866283774376},{"text":"Yeah.","start":323.87,"end":324.18997,"sentiment":"neutral","sentiment_score":-0.00475092139095068}],"sentiment":"neutral","sentiment_score":-0.03408902293692032,"num_words":15,"start":319.55,"end":324.18997},{"sentences":[{"text":"He sent me that thing that said yeah.","start":324.18997,"end":327.525,"sentiment":"neutral","sentiment_score":-0.003085346659645438},{"text":"I I think the fees were down a little bit, but when I reached 65, it was estimated that I would get 1,200,000.","start":327.525,"end":335.145,"sentiment":"neutral","sentiment_score":-0.00325613124700992},{"text":"You know, I I wanna understand 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that was I mean, I was working then and that that's why and when you because I in my head, and I've been telling everyone, when I retire at 65, I'm gonna get 1,200,000.","start":445.49,"end":453.165,"sentiment":"neutral","sentiment_score":-0.017775749042630195},{"text":"And I've been saying that to everybody.","start":453.48502,"end":455.265,"sentiment":"neutral","sentiment_score":-0.11599791369267873}],"sentiment":"neutral","sentiment_score":-0.024979521127210722,"num_words":45,"start":421.77002,"end":455.265},{"sentences":[{"text":"Like, no.","start":455.405,"end":455.965,"sentiment":"neutral","sentiment_score":-0.1627873107790947},{"text":"Don't speak to.","start":455.965,"end":457.025,"sentiment":"neutral","sentiment_score":-0.18680213391780853},{"text":"You know?","start":457.08502,"end":457.64502,"sentiment":"neutral","sentiment_score":-0.11601176857948303},{"text":"I 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I possibly have just a a projection yes, please.","start":475.86,"end":480.075,"sentiment":"neutral","sentiment_score":0.014012906912036917}],"sentiment":"neutral","sentiment_score":-0.16318819373594345,"num_words":37,"start":468.18,"end":480.075},{"sentences":[{"text":"I've been just for the five year, and I'm not work I've got one that I'm not work because I I know I wanna go back to work.","start":480.075,"end":485.115,"sentiment":"neutral","sentiment_score":-0.19432666871164525},{"text":"I'm a have to go back to work because I'm using my my savings now.","start":485.115,"end":489.115,"sentiment":"neutral","sentiment_score":-0.04805615084866683},{"text":"But I've got I love not working.","start":489.115,"end":490.475,"sentiment":"neutral","sentiment_score":-0.06466163694858551},{"text":"I have to say I love it anyway.","start":490.475,"end":491.935,"sentiment":"neutral","sentiment_score":0.26528466306626797},{"text":"But I'm going 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really, really they didn't sleep with with Spiro, they didn't sleep for two years.","start":523.29004,"end":529.55005,"sentiment":"neutral","sentiment_score":-0.26358000602987075},{"text":"Whereas my sister like, so you need to be chilled.","start":529.93,"end":532.33,"sentiment":"neutral","sentiment_score":0.061851955205202105},{"text":"And I see it's easy for me to say, but there's nothing to stress about it.","start":532.33,"end":535.675,"sentiment":"neutral","sentiment_score":0.21136039542034268},{"text":"It's baby's healthy.","start":535.675,"end":536.735,"sentiment":"positive","sentiment_score":0.36500824491182965}],"sentiment":"neutral","sentiment_score":-0.010759338372103546,"num_words":69,"start":516.875,"end":536.735},{"sentences":[{"text":"Just just be chilled.","start":536.875,"end":539.375,"sentiment":"neutral","sentiment_score":0.1921592690050602},{"text":"That's 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week?","start":737.365,"end":739.125,"sentiment":"neutral","sentiment_score":0.007391644408926368}],"sentiment":"neutral","sentiment_score":0.18196549842001072,"num_words":14,"start":721.63,"end":739.125},{"sentences":[{"text":"I don't I don't care because it's oh, yeah.","start":739.125,"end":741.205,"sentiment":"neutral","sentiment_score":-0.04241896689765983},{"text":"That's fine.","start":741.205,"end":741.925,"sentiment":"neutral","sentiment_score":0.004080835886270506},{"text":"Yeah.","start":741.925,"end":742.245,"sentiment":"neutral","sentiment_score":0.0041376384906470776},{"text":"I got no problem.","start":742.245,"end":745.145,"sentiment":"neutral","sentiment_score":0.012281587347388268},{"text":"Even if you just say you're really, really you can't get to me on Friday, do it Monday.","start":745.28503,"end":749.685,"sentiment":"neutral","sentiment_score":-0.01880760446915196}],"sentiment":"neutral","sentiment_score":-0.019378880084439193,"num_words":34,"start":739.125,"end":749.685},{"sentences":[{"text":"I'm I'm okay.","start":749.685,"end":750.565,"sentiment":"neutral","sentiment_score":0.019924045850833256},{"text":"You know?","start":750.565,"end":751.08,"sentiment":"neutral","sentiment_score":0.015905000269412994},{"text":"Yeah.","start":751.32,"end":751.48004,"sentiment":"neutral","sentiment_score":0.03121287189424038},{"text":"Okay.","start":751.48004,"end":751.98004,"sentiment":"neutral","sentiment_score":0.09743507951498032},{"text":"Yeah.","start":752.76,"end":753.0,"sentiment":"neutral","sentiment_score":0.08686216175556183}],"sentiment":"neutral","sentiment_score":0.038386531407013535,"num_words":8,"start":749.685,"end":753.0},{"sentences":[{"text":"No problem.","start":753.0,"end":753.66003,"sentiment":"neutral","sentiment_score":0.13243792578577995},{"text":"Thank you, beautiful.","start":762.76,"end":763.74,"sentiment":"positive","sentiment_score":0.3890514075756073},{"text":"Thank you very much.","start":763.88,"end":764.865,"sentiment":"neutral","sentiment_score":0.11307395249605179},{"text":"Yes.","start":770.625,"end":771.125,"sentiment":"neutral","sentiment_score":0.08365713059902191},{"text":"I will.","start":771.745,"end":772.485,"sentiment":"neutral","sentiment_score":0.10785483568906784}],"sentiment":"neutral","sentiment_score":0.18197439052164555,"num_words":12,"start":753.0,"end":772.485},{"sentences":[{"text":"Thanks.","start":773.745,"end":774.245,"sentiment":"neutral","sentiment_score":0.16441604495048523},{"text":"Thanks, Linda.","start":774.305,"end":775.205,"sentiment":"neutral","sentiment_score":0.29752250015735626},{"text":"I'm very happy with I'm very happy to get pregnant.","start":778.865,"end":782.08,"sentiment":"positive","sentiment_score":0.4945762544870377},{"text":"Well done.","start":782.08,"end":782.82,"sentiment":"positive","sentiment_score":0.8260889649391174},{"text":"Uh-oh.","start":784.72,"end":784.96,"sentiment":"neutral","sentiment_score":0.20757147669792175}],"sentiment":"positive","sentiment_score":0.4728108122944832,"num_words":16,"start":773.745,"end":784.96},{"sentences":[{"text":"Thank you.","start":784.96,"end":785.7,"sentiment":"positive","sentiment_score":0.43460509181022644},{"text":"Definitely.","start":786.4,"end":786.9,"sentiment":"positive","sentiment_score":0.4277953803539276},{"text":"Thanks, Monica.","start":787.04,"end":787.94,"sentiment":"positive","sentiment_score":0.6147109270095825},{"text":"Have a good day.","start":788.0,"end":789.06,"sentiment":"positive","sentiment_score":0.40791352838277817},{"text":"Alright.","start":789.84,"end":790.16,"sentiment":"neutral","sentiment_score":0.29132747650146484}],"sentiment":"positive","sentiment_score":0.4449409008026123,"num_words":10,"start":784.96,"end":790.16},{"sentences":[{"text":"Bye.","start":790.16,"end":790.64,"sentiment":"neutral","sentiment_score":0.1962575912475586},{"text":"Yeah.","start":790.64,"end":790.96,"sentiment":"neutral","sentiment_score":0.15823251008987427},{"text":"Bye, Devon.","start":790.96,"end":791.78,"sentiment":"neutral","sentiment_score":0.008145857602357857}],"sentiment":"neutral","sentiment_score":0.09269545413553715,"num_words":4,"start":790.16,"end":791.78}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hello. Is this Poppy?\n\nChannel 1: Yes. It is. Is that Veronica?\n\nChannel 0: This is yes. How are you?\n\nChannel 1: I'm doing well. Thanks, hon. How are you? You're sick.\n\nChannel 0: Good. Yes. Well, I do have something to tell you about that. But before before I do, just like usual, just letting you know our calls\n\nChannel 1: Yep.\n\nChannel 0: are being recorded for quality and coaching, if that's all good.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful.\n\nChannel 1: Oh, good. Yep.\n\nChannel 0: And just a password on file for you as well, Poppy.\n\nChannel 1: The what? Sorry?\n\nChannel 0: Just your password for\n\nChannel 1: Oh,\n\nChannel 0: Security\n\nChannel 1: Lazarus.\n\nChannel 0: Purposes\n\nChannel 1: Lazarus.\n\nChannel 0: as well? Yeah.\n\nChannel 1: Yeah. Lazarus.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah. Hi.\n\nChannel 0: Yeah. So I do I I do apologize that I wasn't\n\nChannel 1: I\n\nChannel 0: able\n\nChannel 1: apologize.\n\nChannel 0: to make the appointment last week.\n\nChannel 1: I was sick as well. It worked out.\n\nChannel 0: How are\n\nChannel 1: I was\n\nChannel 0: you?\n\nChannel 1: so sick. My whole family, we're all been what did you have? Did you have the Louise thing that's going around?\n\nChannel 0: Well, no. I actually have some news to tell you, and I'm pregnant at the moment. Yeah.\n\nChannel 1: Congratulations. Oh my god. Oh\n\nChannel 0: Thank\n\nChannel 1: my\n\nChannel 0: you.\n\nChannel 1: god. That's so\n\nChannel 0: So\n\nChannel 1: good.\n\nChannel 0: yeah. So that's why I had to kind of rush off because I wasn't feeling too good. I just had to go and see the midwife, but all is good\n\nChannel 1: You're\n\nChannel 0: with,\n\nChannel 1: yeah.\n\nChannel 0: yeah, the\n\nChannel 1: Oh,\n\nChannel 0: baby.\n\nChannel 1: I'm so happy for you. That's wonderful. How exciting.\n\nChannel 0: Thank you. Yeah. So\n\nChannel 1: How far are you? How far along are you?\n\nChannel 0: six months already, so time's\n\nChannel 1: Oh\n\nChannel 0: going\n\nChannel 1: my\n\nChannel 0: fast.\n\nChannel 1: god.\n\nChannel 0: Yeah.\n\nChannel 1: Oh, and you won't be sowing. Okay. My sister's had four. Right? And\n\nChannel 0: Yeah.\n\nChannel 1: so all I can tell you is the first the first your first\n\nChannel 0: Yeah.\n\nChannel 1: baby,\n\nChannel 0: Yeah.\n\nChannel 1: it's like it's because your body doesn't know what she's doing. It's just remain\n\nChannel 0: No.\n\nChannel 1: calm. Read\n\nChannel 0: Yep.\n\nChannel 1: a whole lot of books. Don't listen to anyone\n\nChannel 0: Yep.\n\nChannel 1: because everyone tells you different bullshit.\n\nChannel 0: Right.\n\nChannel 1: And it's it's personal. And that's yeah. Well, everyone's gonna tell you, just take it with a grain of salt. Yeah. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. So it's wonderful. It's exciting. It's amazing. And\n\nChannel 0: Yep.\n\nChannel 1: Yeah. It's just it's take it. You have any problems you're gonna be pregnant in your life. Be happy.\n\nChannel 0: Exactly.\n\nChannel 1: You know what I mean? Yes.\n\nChannel 0: Exactly.\n\nChannel 1: Yes.\n\nChannel 0: And\n\nChannel 1: Bravo.\n\nChannel 0: I did find out as well that it is a little a little girl. So I'm very happy.\n\nChannel 1: That's oh my god.\n\nChannel 0: Yeah.\n\nChannel 1: That's so good. That is so good.\n\nChannel 0: Yeah.\n\nChannel 1: Oh,\n\nChannel 0: But\n\nChannel 1: so\n\nChannel 0: enough\n\nChannel 1: the\n\nChannel 0: about\n\nChannel 1: everything\n\nChannel 0: me.\n\nChannel 1: that's amazing. Would you have any names? Yes?\n\nChannel 0: Yeah. Yes. We are keeping it a secret, though, just\n\nChannel 1: Fair enough.\n\nChannel 0: for everyone's\n\nChannel 1: Yes. Yes.\n\nChannel 0: everyone's opinions. You know?\n\nChannel 1: Yeah. No.\n\nChannel 0: Right?\n\nChannel 1: That's good. Well done. I'm really,\n\nChannel 0: Yes.\n\nChannel 1: really I'm proud, and I'm happy for you.\n\nChannel 0: Oh,\n\nChannel 1: Yeah.\n\nChannel 0: thanks, Holly. I appreciate\n\nChannel 1: Okay.\n\nChannel 0: it.\n\nChannel 1: Yeah. Well done. I'm really happy\n\nChannel 0: Yeah.\n\nChannel 1: for you.\n\nChannel 0: Oh, thank you.\n\nChannel 1: I'm so glad that you anyway, you gotta stay away from all sick people. Because\n\nChannel 0: Oh,\n\nChannel 1: you\n\nChannel 0: right.\n\nChannel 1: can't take anything\n\nChannel 0: Yeah.\n\nChannel 1: now. Just stay away from them. And if\n\nChannel 0: Exactly.\n\nChannel 1: they if you know they're sick, they need to\n\nChannel 0: Yeah.\n\nChannel 1: wear a mask or just stay\n\nChannel 0: Yeah.\n\nChannel 1: away. Don't kiss anyone. Just stay away.\n\nChannel 0: No. No.\n\nChannel 1: Alright?\n\nChannel 0: And if I need to, then we have flexibility. Like, I work from home. Like, I got everything set up as well. So if there's\n\nChannel 1: Yep.\n\nChannel 0: people\n\nChannel 1: Boy\n\nChannel 0: with\n\nChannel 1: from\n\nChannel 0: with\n\nChannel 1: home.\n\nChannel 0: a bit of flu because, yeah, it's going around. So\n\nChannel 1: It is alright. Oh,\n\nChannel 0: definitely.\n\nChannel 1: all my family's sick, and it knocked us around so bad. Like, I was I was I'm glad last even last week, I've been just come blessing. Flu, like, this has been terrible. It's knocked me around a lot. But, anyway, we're all coming\n\nChannel 0: You're\n\nChannel 1: good now. I'm\n\nChannel 0: you're\n\nChannel 1: at my\n\nChannel 0: feeling\n\nChannel 1: parents'\n\nChannel 0: better,\n\nChannel 1: house.\n\nChannel 0: though?\n\nChannel 1: Yeah. Much better much\n\nChannel 0: Yeah.\n\nChannel 1: better than last last week. Yes.\n\nChannel 0: Oh,\n\nChannel 1: No.\n\nChannel 0: beautiful.\n\nChannel 1: No. It's all good.\n\nChannel 0: Oh, that's\n\nChannel 1: Yes.\n\nChannel 0: good. Well, enough\n\nChannel 1: No.\n\nChannel 0: about me. What can I help you with? I\n\nChannel 1: Oh,\n\nChannel 0: had\n\nChannel 1: what\n\nChannel 0: you\n\nChannel 1: I\n\nChannel 0: booked\n\nChannel 1: wanted\n\nChannel 0: in\n\nChannel 1: to\n\nChannel 0: for a little bit of a catch up.\n\nChannel 1: yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Just a little bit. What I'd like to know is I just\n\nChannel 0: Yeah.\n\nChannel 1: I I had a look at my we're looking to my My\n\nChannel 0: Yep.\n\nChannel 1: balance can you what's the my balance is 279?\n\nChannel 0: Mhmm. Let me go into your account\n\nChannel 1: Yeah.\n\nChannel 0: right now\n\nChannel 1: But\n\nChannel 0: and have\n\nChannel 1: yeah.\n\nChannel 0: a look for you. MyGov is a bit out of date, to be fair.\n\nChannel 1: I I freaked out when I saw it because I was like,\n\nChannel 0: Yeah.\n\nChannel 1: that's not\n\nChannel 0: No.\n\nChannel 1: be right. And I was just looking for it going, that's why I haven't been to speak to you because I was\n\nChannel 0: Because\n\nChannel 1: like, oh\n\nChannel 0: yeah.\n\nChannel 1: my god.\n\nChannel 0: No. If you have a look at it, it should also tell you updated sorry. It's like a little fine print when you see it, and it should say updated last as of.\n\nChannel 1: Oh,\n\nChannel 0: And sometimes they even do it, like, financial year. Sometimes they do it even couple of months. So I've\n\nChannel 1: okay.\n\nChannel 0: had that before as well where I looked, and I was like, hang on a minute. No. Sorry. I'm in your and I I can send you the app, and I can send you a bit of an updated report for the last twelve months as of today, so you have it as well.\n\nChannel 1: Thank you.\n\nChannel 0: And it's actually going it's actually going really good given, obviously, what's happening in the market the last twelve months. It's been quite a bit of turbulence, and, obviously, more recently with the war and stuff, we have seen a bit of fluctuation. But everything that we have kind of changed with your super since we spoke last, it is heading in a really good way despite everything, so that's great. So as of right now, your super balance is at 320,700.\n\nChannel 1: 320,000. Okay.\n\nChannel 0: 7\n\nChannel 1: Well, that's\n\nChannel 0: 100.\n\nChannel 1: much better than because I I think I started off. It's been\n\nChannel 0: Yeah.\n\nChannel 1: fixed, and I was like, oh my god. What are they doing?\n\nChannel 0: If you were like a no. No. No. No. No.\n\nI wouldn't do that.\n\nChannel 1: Yeah.\n\nChannel 0: Sorry.\n\nChannel 1: I know.\n\nChannel 0: Three\n\nChannel 1: And I\n\nChannel 0: 100.\n\nChannel 1: just thought and, you\n\nChannel 0: Yeah.\n\nChannel 1: know, I was yeah. No. It freaked me out. So the other\n\nChannel 0: Yeah.\n\nChannel 1: the other question I wanted to ask, I remember\n\nChannel 0: Yeah.\n\nChannel 1: when remember when I last year, we went a little bit nuts, and I I I I got a redundant, and then I called you guys\n\nChannel 0: Mhmm.\n\nChannel 1: up and blah blah blah. And then I think it\n\nChannel 0: Yeah.\n\nChannel 1: was who's the boss? It was Stevie? Sevie? Sevie?\n\nChannel 0: Sevy? Yes.\n\nChannel 1: Yeah.\n\nChannel 0: Sevy.\n\nChannel 1: He sent\n\nChannel 0: Yeah.\n\nChannel 1: me that thing that said yeah. I I think the fees were down a little bit, but when I\n\nChannel 0: Mhmm.\n\nChannel 1: reached 65, it was estimated that I would get 1,200,000.\n\nChannel 0: Mhmm.\n\nChannel 1: You know, I I wanna understand that.\n\nChannel 0: Okay. So let me have a look at that. So what we do is we do a bit of a projection. So each annual review or when we do advise,\n\nChannel 1: Yep.\n\nChannel 0: we do a bit of an updated projection for you. Now, obviously, it's no guarantee because things are always changing, and it\n\nChannel 1: No.\n\nChannel 0: depends\n\nChannel 1: Yep.\n\nChannel 0: on your situation. But\n\nChannel 1: Yep.\n\nChannel 0: how it kind of works, it works on the fees you are paying with your contributions. So,\n\nChannel 1: Yep.\n\nChannel 0: obviously, assuming the income stays the same, contributions from employer goes the same, any fees that comes out. So it's affecting everything for you, works it off your super balance, and then it factors in the return of your investment. Now when we normally use the return of your investments as well, we we don't wanna just use a twelve month period because in a twelve month period, as you would have seen, obviously, in the news and everything as well, things can fluctuate. So\n\nChannel 1: Mhmm.\n\nChannel 0: it can be a bit uncertain. So what we normally do is we use a five year rolling average. So basically\n\nChannel 1: Mhmm.\n\nChannel 0: using a five year time frame and then just dividing that on a yearly basis to give us a little bit more certainty on how the portfolio has performed, but also the market as well. So give you a little bit more certainty of what has happened\n\nChannel 1: Yes.\n\nChannel 0: than just a twelve month period. So what we then use is to use the return on the investments using that five year historical,\n\nChannel 1: Mhmm.\n\nChannel 0: and then we kind of project it forward depending on, obviously, x amount of years that you wanna look at. And that then give us what the estimated outcome is at the time of retirement.\n\nChannel 1: Okay. So that\n\nChannel 0: Does\n\nChannel 1: was\n\nChannel 0: that\n\nChannel 1: I mean, I was working then and that that's why and\n\nChannel 0: yes.\n\nChannel 1: when you because I in my head, and I've been telling everyone, when I retire at 65, I'm gonna get 1,200,000. And I've been saying that to everybody. Like, no. Don't\n\nChannel 0: Would\n\nChannel 1: speak to. You know? I know. That's what and\n\nChannel 0: yeah.\n\nChannel 1: I'm and I'm hoping that when these people come to you, I want 200 that said you'll get $200, so no one's come yet.\n\nChannel 0: Yeah. Yeah. If they do, make sure they say your name so you get it.\n\nChannel 1: I don't need what is that about. I'm I'm surprised my friend because I'm onto her. I'm like, you need to. Now go back to that. So\n\nChannel 0: Yeah.\n\nChannel 1: could I possibly\n\nChannel 0: Mhmm.\n\nChannel 1: have just\n\nChannel 0: Do you want\n\nChannel 1: a\n\nChannel 0: an\n\nChannel 1: a\n\nChannel 0: updated\n\nChannel 1: projection\n\nChannel 0: version?\n\nChannel 1: yes, please.\n\nChannel 0: Yeah. Of\n\nChannel 1: I've been\n\nChannel 0: course.\n\nChannel 1: just for the five year, and I'm not work I've got one that I'm not work because I I know I wanna\n\nChannel 0: Okay.\n\nChannel 1: go back to work. I'm\n\nChannel 0: Yes.\n\nChannel 1: a have to go back to work\n\nChannel 0: Yeah.\n\nChannel 1: because I'm using my my savings now. But I've got I\n\nChannel 0: Yep.\n\nChannel 1: love not working. I have to say\n\nChannel 0: Yeah.\n\nChannel 1: I love it anyway. But I'm going\n\nChannel 0: I'm\n\nChannel 1: to.\n\nChannel 0: looking\n\nChannel 1: But\n\nChannel 0: forward\n\nChannel 1: can you\n\nChannel 0: to\n\nChannel 1: just\n\nChannel 0: it. I'm\n\nChannel 1: just to calm my yes.\n\nChannel 0: with you.\n\nChannel 1: That I know. Right? You're just gonna deal\n\nChannel 0: Yeah.\n\nChannel 1: with stuff. You know? Anyway, I'm you know\n\nChannel 0: Yes.\n\nChannel 1: what I mean? It's true. You\n\nChannel 0: Of\n\nChannel 1: know,\n\nChannel 0: course.\n\nChannel 1: you don't. Like, that\n\nChannel 0: Of\n\nChannel 1: that\n\nChannel 0: course.\n\nChannel 1: again, it is a little bit boring. Yours will be okay when you stop. Because you're\n\nChannel 0: I'll\n\nChannel 1: gonna\n\nChannel 0: be busy.\n\nChannel 1: take six months off. Yeah. You'll be very, very, very busy.\n\nChannel 0: Yeah.\n\nChannel 1: You just need to be calm. The more\n\nChannel 0: Yeah.\n\nChannel 1: calm and filled you guys are,\n\nChannel 0: Yes.\n\nChannel 1: the the baby will sleep.\n\nChannel 0: Yeah.\n\nChannel 1: My my I had my t Lenny and Jimmy that had and now we're childcare teachers, so they, you know, knew\n\nChannel 0: Yeah.\n\nChannel 1: shit. But\n\nChannel 0: Yeah. They\n\nChannel 1: Lenny\n\nChannel 0: know it\n\nChannel 1: was\n\nChannel 0: today.\n\nChannel 1: really, really, really they didn't sleep with with Spiro, they didn't sleep for two years. Whereas\n\nChannel 0: Wow.\n\nChannel 1: my sister like, so you need to be chilled. And I see it's\n\nChannel 0: Yes.\n\nChannel 1: easy for me to say, but there's nothing to stress about it. It's baby's\n\nChannel 0: Yep.\n\nChannel 1: healthy. Just\n\nChannel 0: Exactly.\n\nChannel 1: just be\n\nChannel 0: Take\n\nChannel 1: chilled.\n\nChannel 0: it as it\n\nChannel 1: That's\n\nChannel 0: comes.\n\nChannel 1: all. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It's the you know, it's the best time. And you'll be lucky\n\nChannel 0: Yeah.\n\nChannel 1: you wouldn't get a baby that sleeps, eats,\n\nChannel 0: Yep.\n\nChannel 1: poop, sleeps, eats, poops.\n\nChannel 0: Yeah.\n\nChannel 1: That's it. That's what they do for the first, like, nine, eight months. And\n\nChannel 0: Yeah.\n\nChannel 1: you and you you need to sleep when the baby sleeps. Okay.\n\nChannel 0: Yes.\n\nChannel 1: So anyway and now\n\nChannel 0: Yes.\n\nChannel 1: so\n\nChannel 0: Yes. I could do\n\nChannel 1: yes,\n\nChannel 0: an updated projection for you, and I can use it as of today's balance.\n\nChannel 1: sir.\n\nChannel 0: And assuming no contributions\n\nChannel 1: Please. Yeah. Let's just do that. That'll\n\nChannel 0: yeah.\n\nChannel 1: be the\n\nChannel 0: Do\n\nChannel 1: worst\n\nChannel 0: you\n\nChannel 1: case scenario.\n\nChannel 0: correct. Now did you say you want it, like, five and ten years frame, or what kind of time frame?\n\nChannel 1: Do just do five years with no.\n\nChannel 0: Five years? Yep.\n\nChannel 1: Yeah. Just five because I'm gonna take I'm gonna have to get a I'll get a job, but it's just it'll it'll it'll,\n\nChannel 0: Yeah.\n\nChannel 1: invoke, you know, stuff.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: yeah. And I'll see the difference as well. Because in\n\nChannel 0: Yes.\n\nChannel 1: my head, I've\n\nChannel 0: Yes.\n\nChannel 1: got one point in the end.\n\nChannel 0: Yeah. Perfect. No. I can definitely do that do\n\nChannel 1: Thank\n\nChannel 0: that\n\nChannel 1: you.\n\nChannel 0: for\n\nChannel 1: That's\n\nChannel 0: you.\n\nChannel 1: all. Yeah. Yeah. I just that would be good. And then\n\nChannel 0: Yeah.\n\nChannel 1: I suppose the next thing actually, let's just do that first because what\n\nChannel 0: Okay.\n\nChannel 1: I was thinking, I wouldn't I wanna once everything settles and I don't know what\n\nChannel 0: Yeah.\n\nChannel 1: that means there, but I'd like to come\n\nChannel 0: Yeah.\n\nChannel 1: and say, like, I mean, I've got, like, say, $200,000 to play\n\nChannel 0: Yep.\n\nChannel 1: with. What can I do? And\n\nChannel 0: What\n\nChannel 1: I'm I\n\nChannel 0: do\n\nChannel 1: wanna\n\nChannel 0: we do?\n\nChannel 1: pick the bank.\n\nChannel 0: Yes.\n\nChannel 1: You know what I mean?\n\nChannel 0: Yes.\n\nChannel 1: Yeah. Good.\n\nChannel 0: And that is all part. So when when when that happens, when you're ready, just give me a call, and we can book in a bit of a chat and have a bit of a chat about\n\nChannel 1: Yeah.\n\nChannel 0: it further. That is no problem.\n\nChannel 1: Yeah. Well, I paid my I actually, I paid my the the Capital Gains $23. How\n\nChannel 0: Yeah.\n\nChannel 1: good is that? I love\n\nChannel 0: Yeah.\n\nChannel 1: Chris. I gave him a review.\n\nChannel 0: Oh, good.\n\nChannel 1: Oh my god. I'm\n\nChannel 0: Oh, beautiful.\n\nChannel 1: so happy.\n\nChannel 0: I will let him know. He will\n\nChannel 1: Oh,\n\nChannel 0: be\n\nChannel 1: he's\n\nChannel 0: happy\n\nChannel 1: seen\n\nChannel 0: with that.\n\nChannel 1: it. Oh, but but tell\n\nChannel 0: Oh.\n\nChannel 1: him that I absolutely love him. I\n\nChannel 0: Oh\n\nChannel 1: love\n\nChannel 0: god.\n\nChannel 1: him. A 300\n\nChannel 0: I'm\n\nChannel 1: dollars\n\nChannel 0: glad\n\nChannel 1: to\n\nChannel 0: you\n\nChannel 1: pay?\n\nChannel 0: got and he's the he's the. Sorry.\n\nChannel 1: He did\n\nChannel 0: He\n\nChannel 1: it with\n\nChannel 0: he\n\nChannel 1: me.\n\nChannel 0: got\n\nChannel 1: He said, you know,\n\nChannel 0: yeah.\n\nChannel 1: next year. He said, well, just be\n\nChannel 0: Yeah.\n\nChannel 1: on the phone. I was like, oh god. I love that. I just love it.\n\nChannel 0: Nice\n\nChannel 1: Simon\n\nChannel 0: and\n\nChannel 1: was\n\nChannel 0: convenient.\n\nChannel 1: an asshole, but RWG, that was the case.\n\nChannel 0: Yeah.\n\nChannel 1: But anyway and\n\nChannel 0: That's\n\nChannel 1: and\n\nChannel 0: great.\n\nChannel 1: and Chris knew him. Chris knows Simon. They're all\n\nChannel 0: Mhmm.\n\nChannel 1: in part of the thing, so I'm glad I\n\nChannel 0: Right.\n\nChannel 1: and I gave him the review. Simon's\n\nChannel 0: Yeah.\n\nChannel 1: an idiot. Chris is wonderful. I love\n\nChannel 0: No.\n\nChannel 1: them. Two, please. Yep.\n\nChannel 0: Beautiful. Oh,\n\nChannel 1: Yes.\n\nChannel 0: that's good. I will let him know. He'll be very happy.\n\nChannel 1: Yep.\n\nChannel 0: But, yes,\n\nChannel 1: Yeah.\n\nChannel 0: I will do no contribution for you. Now I also just wanna let you know just a bit of an update on your return. So\n\nChannel 1: Yes.\n\nChannel 0: even though, obviously, not working, not getting contributions in the last twelve months, if you're looking from literally as of today, your super is still up. So the growth of your investment is still up by 9.25%.\n\nChannel 1: Right.\n\nChannel 0: So\n\nChannel 1: No.\n\nChannel 0: very\n\nChannel 1: I'm\n\nChannel 0: happy\n\nChannel 1: saying\n\nChannel 0: with\n\nChannel 1: two\n\nChannel 0: that.\n\nChannel 1: 5%.\n\nChannel 0: Yeah.\n\nChannel 1: That's good. But what the market\n\nChannel 0: So\n\nChannel 1: is the market's 8%, isn't it?\n\nChannel 0: it's fluctuating, so it depends on what they're looking at. But the average stays at a sales point, and now this is usually used before fees. So it depends on what you were looking at, but people tend to say about 8%\n\nChannel 1: Oh,\n\nChannel 0: before\n\nChannel 1: good. Well,\n\nChannel 0: fees.\n\nChannel 1: I'm about to pay about that's fine. That's good.\n\nChannel 0: So\n\nChannel 1: I just\n\nChannel 0: you\n\nChannel 1: wanna\n\nChannel 0: are\n\nChannel 1: pay\n\nChannel 0: 9\n\nChannel 1: about\n\nChannel 0: through five after fees, so even more if you are looking at the same.\n\nChannel 1: Fantastic.\n\nChannel 0: Yeah.\n\nChannel 1: That's what I wanna hear. That's I love that.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Good. Yeah. Good. Good.\n\nEspecially\n\nChannel 0: Beautiful.\n\nChannel 1: after two. No. No. I'm happy with that. That's great.\n\nChannel 0: Beautiful. Now I will get this sorted for you. Now it will take let me have a\n\nChannel 1: Alright.\n\nChannel 0: look. I will kinda have it to you ASAP, but it might be latest end of Thursday. So end of business day, Thursday. Is that okay?\n\nChannel 1: End of today or this week? I don't I don't\n\nChannel 0: This\n\nChannel 1: care because\n\nChannel 0: week.\n\nChannel 1: it's oh, yeah. That's\n\nChannel 0: End\n\nChannel 1: fine.\n\nChannel 0: of Thursday\n\nChannel 1: Yeah. I got\n\nChannel 0: this week. Latest.\n\nChannel 1: no problem. Even if\n\nChannel 0: Yes.\n\nChannel 1: you just say you're really, really you can't get to me on Friday,\n\nChannel 0: Yeah.\n\nChannel 1: do it Monday.\n\nChannel 0: Yep.\n\nChannel 1: I'm I'm\n\nChannel 0: I'll\n\nChannel 1: okay.\n\nChannel 0: communicate.\n\nChannel 1: You know? Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Beautiful. I'll put\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: No problem.\n\nChannel 0: I'll put it I'll put it on the list as a priority for you. But, yeah, just just so you know, I'll have it through you by Thursday, end of business day, the latest. So just keep\n\nChannel 1: Thank\n\nChannel 0: a lookout\n\nChannel 1: you,\n\nChannel 0: for\n\nChannel 1: beautiful.\n\nChannel 0: that email.\n\nChannel 1: Thank you very\n\nChannel 0: No.\n\nChannel 1: much.\n\nChannel 0: That's okay. If there's anything you need or when you are ready to have another discussion in regards to what to do, just let\n\nChannel 1: Yes.\n\nChannel 0: me know. Like always,\n\nChannel 1: I\n\nChannel 0: I'm\n\nChannel 1: will.\n\nChannel 0: always here if you if you need\n\nChannel 1: Thanks. Thanks, Linda.\n\nChannel 0: an appointment or anything. But, yeah, it was lovely chatting to you, and I shall speak to\n\nChannel 1: I'm\n\nChannel 0: you soon,\n\nChannel 1: very happy\n\nChannel 0: Poppy.\n\nChannel 1: with I'm very happy to get\n\nChannel 0: No.\n\nChannel 1: pregnant. Well done.\n\nChannel 0: Thank you so much. I'm\n\nChannel 1: Uh-oh.\n\nChannel 0: sure\n\nChannel 1: Thank\n\nChannel 0: he'll\n\nChannel 1: you.\n\nChannel 0: speak soon as well.\n\nChannel 1: Definitely. Thanks, Monica. Have\n\nChannel 0: No\n\nChannel 1: a good\n\nChannel 0: worries.\n\nChannel 1: day.\n\nChannel 0: Thanks, Poppy. You too.\n\nChannel 1: Alright.\n\nChannel 0: Bye.\n\nChannel 1: Bye. Yeah. Bye, Devon.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.017646823078393936}],"sentiment":"neutral","sentiment_score":0.017646823078393936,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Hello.","start":2.0,"end":2.32,"sentiment":"neutral","sentiment_score":0.02661280706524849},{"text":"Is this Poppy?","start":2.32,"end":3.22,"sentiment":"neutral","sentiment_score":0.060551200062036514}],"sentiment":"neutral","sentiment_score":0.05206660181283951,"channel":0,"num_words":4,"start":2.0,"end":3.22},{"sentences":[{"text":"Yes.","start":3.36,"end":3.6799998,"sentiment":"neutral","sentiment_score":0.103216253221035},{"text":"It is.","start":3.6799998,"end":4.08,"sentiment":"neutral","sentiment_score":0.09702590480446815},{"text":"Is that 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They discuss her balance and recommend a report to help with updates. The speaker explains their use of a five-year rolling average and project portfolio performance based on retirement age. They also discuss the importance of being calm and not giving up on personal reasons. The conversation ends with the agent providing an update on a proposal for a potential return and thanking Poppy."},"intents":{"segments":[{"text":"You're sick. Good. Yes.","start_word":25,"end_word":28,"intents":[{"intent":"Report illness","confidence_score":0.00711358}]},{"text":"I actually have some news to tell you, and I'm pregnant at the moment. Yeah. Congratulations.","start_word":157,"end_word":172,"intents":[{"intent":"Advising about baby's health","confidence_score":4.1704797e-7}]},{"text":"I'm so happy for you. That's wonderful. How exciting. Thank you. Yeah.","start_word":222,"end_word":233,"intents":[{"intent":"Expressing gratitude","confidence_score":0.19444376},{"intent":"Expressing gratitude","confidence_score":0.014633961}]},{"text":"I'm so glad that you anyway, you gotta stay away from all sick people. Because Oh, you right.","start_word":488,"end_word":505,"intents":[{"intent":"Encourage avoiding people","confidence_score":0.0001473464}]},{"text":"And if I need to, then we have flexibility. Like, I work from home. Like, I got everything set up as well.","start_word":546,"end_word":567,"intents":[{"intent":"Offer flexibility for work","confidence_score":0.00011431217}]},{"text":"I'm in your and I I can send you the app, and I can send you a bit of an updated report for the last twelve months as of today, so you have it as well. Thank you.","start_word":881,"end_word":918,"intents":[{"intent":"Update contact information","confidence_score":0.00018340934}]},{"text":"And it's actually going it's actually going really good given, obviously, what's happening in the market the last twelve months. It's been quite a bit of turbulence, and, obviously, more recently with the war and stuff, we have seen a bit of fluctuation. But everything that we have kind of changed with your super since we spoke last, it is heading in a really good way despite everything, so that's great.","start_word":920,"end_word":990,"intents":[{"intent":"Address market volatility","confidence_score":0.00010063877}]},{"text":"how it kind of works, it works on the fees you are paying with your contributions. So, Yep.","start_word":1236,"end_word":1253,"intents":[{"intent":"Explaining investment process","confidence_score":0.002883778}]},{"text":"you wouldn't get a baby that sleeps, eats, Yep. poop, sleeps, eats, poops. Yeah.","start_word":1894,"end_word":1907,"intents":[{"intent":"Manage baby's sleep schedule","confidence_score":0.0091003375}]},{"text":"I love Yeah. Chris. I gave him a review. Oh, good. Oh my god. I'm Oh, beautiful. so happy. I will let him know. He will Oh, be he's happy seen with that. it. Oh, but but tell Oh. him that I absolutely love him. I Oh love god.","start_word":2230,"end_word":2278,"intents":[{"intent":"Express appreciation","confidence_score":0.004005827}]},{"text":"I gave him a review. Oh, good.","start_word":2234,"end_word":2240,"intents":[{"intent":"Provide review","confidence_score":0.34249982},{"intent":"Provide feedback","confidence_score":0.022171473}]},{"text":"and Chris knew him. Chris knows Simon. They're all Mhmm. in part of the thing, so I'm glad I Right.","start_word":2351,"end_word":2370,"intents":[{"intent":"Confirm understanding","confidence_score":0.06174565}]},{"text":"I will do no contribution for you.","start_word":2409,"end_word":2415,"intents":[{"intent":"Offer complimentary contribution","confidence_score":0.0002847534}]},{"text":"I will do no contribution for you. Now I also just wanna let you know just a bit of an update on your return. So Yes. even though, obviously, not working, not getting contributions in the last twelve months, if you're looking from literally as of today, your super is still up. So the growth of your investment is still up by 9.25%. Right. So No.","start_word":2409,"end_word":2474,"intents":[{"intent":"Inquire about 6% contribution","confidence_score":0.000021787358}]},{"text":"So the growth of your investment is still up by 9.25%. Right.","start_word":2461,"end_word":2472,"intents":[{"intent":"Explain investment growth","confidence_score":0.025550777}]},{"text":"very I'm happy saying with two that. 5%. Yeah. That's good. But what the market So is the market's 8%, isn't it? it's fluctuating, so it depends on what they're looking at. But the average stays at a sales point, and now this is usually used before fees.","start_word":2475,"end_word":2522,"intents":[{"intent":"Express preference for comparison","confidence_score":0.000008582667}]},{"text":"But what the market So is the market's 8%, isn't it?","start_word":2486,"end_word":2496,"intents":[{"intent":"Explain market size","confidence_score":0.00095680926}]},{"text":"I'm about to pay about that's fine. That's good. So I just you wanna are pay 9 about through five after fees, so even more if you are looking at the same. Fantastic.","start_word":2544,"end_word":2576,"intents":[{"intent":"Educate about fees","confidence_score":0.0032506476}]},{"text":"Yeah. Bye, Devon.","start_word":2872,"end_word":2874,"intents":[{"intent":"Information","confidence_score":0.00043235824}]}]},"sentiments":{"segments":[{"text":"Hello? Hello. Is this Poppy? Yes. It is. Is that Veronica? This is yes. How are you?","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.10217367857694626},{"text":"I'm doing well. Thanks, hon.","start_word":17,"end_word":21,"sentiment":"positive","sentiment_score":0.4439043700695038},{"text":"How are you? You're sick. Good. Yes. Well, I do have something to tell you about that. But before before I do, just like usual, just letting you know our calls Yep. are being recorded for quality and coaching, if that's all good. Yep.","start_word":22,"end_word":65,"sentiment":"neutral","sentiment_score":0.047799307852983475},{"text":"Beautiful. Oh, good.","start_word":66,"end_word":68,"sentiment":"positive","sentiment_score":0.4171835780143738},{"text":"Yep. And just a password on file for you as well, Poppy. The what? Sorry? Just your password for Oh, Security Lazarus. Purposes Lazarus. as well? Yeah. Yeah. Lazarus.","start_word":69,"end_word":97,"sentiment":"neutral","sentiment_score":0.05957280471920967},{"text":"Perfect.","start_word":98,"end_word":98,"sentiment":"positive","sentiment_score":0.3794264793395996},{"text":"Yeah. Hi. Yeah. So I do I I do apologize that I wasn't I able apologize. to make the appointment last week. I was sick as well. It worked out. How are I was you? so sick. My whole family, we're all been what did you have? Did you have the Louise thing that's going around? Well, no. I actually have some news to tell you, and I'm pregnant at the moment. Yeah. Congratulations. Oh my god. Oh Thank my you. god. That's so So good. yeah. So that's why I had to kind of rush off because I wasn't feeling too good. I just had to go and see the midwife, but all is good You're with, yeah. yeah, the Oh, baby.","start_word":99,"end_word":221,"sentiment":"neutral","sentiment_score":-0.027767986059188843},{"text":"I'm so happy for you. That's wonderful. How exciting. Thank you.","start_word":222,"end_word":232,"sentiment":"positive","sentiment_score":0.5874271392822266},{"text":"Yeah. So How far are you? How far along are you? six months already, so time's Oh going my fast. god. Yeah. Oh, and you won't be sowing. Okay. My sister's had four. Right? And Yeah. so all I can tell you is the first the first your first Yeah. baby, Yeah. it's like it's because your body doesn't know what she's doing. It's just remain No. calm. Read Yep. a whole lot of books. Don't listen to anyone Yep.","start_word":233,"end_word":312,"sentiment":"neutral","sentiment_score":-0.021987979213008657},{"text":"because everyone tells you different bullshit.","start_word":313,"end_word":318,"sentiment":"negative","sentiment_score":-0.3499220311641693},{"text":"Right. And it's it's personal. And that's yeah. Well, everyone's gonna tell you, just take it with a grain of salt. Yeah. Yeah. Yeah. Okay.","start_word":319,"end_word":343,"sentiment":"neutral","sentiment_score":-0.06297007948160172},{"text":"So it's wonderful. It's exciting. It's amazing.","start_word":344,"end_word":350,"sentiment":"positive","sentiment_score":0.788141131401062},{"text":"And Yep. Yeah. It's just it's take it. You have any problems you're gonna be pregnant in your life. Be happy. Exactly. You know what I mean? Yes. Exactly. Yes.","start_word":351,"end_word":380,"sentiment":"neutral","sentiment_score":0.1292521208524704},{"text":"And Bravo. I did find out as well that it is a little a little girl. So I'm very happy. That's oh my god. Yeah. That's so good. That is so good.","start_word":381,"end_word":412,"sentiment":"positive","sentiment_score":0.4773936271667481},{"text":"Yeah. Oh, But so enough the about everything me. that's amazing. Would you have any names? Yes? Yeah. Yes. We are keeping it a secret, though, just Fair enough. for everyone's Yes. Yes. everyone's opinions. You know? Yeah. No. Right? That's good. Well done. I'm really, Yes.","start_word":413,"end_word":459,"sentiment":"neutral","sentiment_score":0.07447389513254166},{"text":"really I'm proud, and I'm happy for you.","start_word":460,"end_word":467,"sentiment":"positive","sentiment_score":0.48621439933776855},{"text":"Oh, Yeah. thanks, Holly. I appreciate Okay. it. Yeah. Well done. I'm really happy Yeah. for you. Oh, thank you. I'm so glad that you anyway, you gotta stay away from all sick people. Because Oh, you right. can't take anything Yeah. now. Just stay away from them. And if Exactly. they if you know they're sick, they need to Yeah. wear a mask or just stay Yeah. away. Don't kiss anyone. Just stay away. No. No. Alright? And if I need to, then we have flexibility. Like, I work from home. Like, I got everything set up as well. So if there's Yep. people Boy with from with home. a bit of flu because, yeah, it's going around. So It is alright. Oh, definitely.","start_word":468,"end_word":592,"sentiment":"neutral","sentiment_score":-0.017812659963965416},{"text":"all my family's sick, and it knocked us around so bad.","start_word":593,"end_word":603,"sentiment":"negative","sentiment_score":-0.3516802191734314},{"text":"Like, I was I was I'm glad last even last week, I've been just come blessing.","start_word":604,"end_word":619,"sentiment":"neutral","sentiment_score":0.29679855704307556},{"text":"Flu, like, this has been terrible. It's knocked me around a lot.","start_word":620,"end_word":631,"sentiment":"negative","sentiment_score":-0.4678597450256348},{"text":"But, anyway, we're all coming You're good now. I'm you're at my feeling parents' better, house. though? Yeah. Much better much Yeah.","start_word":632,"end_word":653,"sentiment":"neutral","sentiment_score":0.22617433965206143},{"text":"better than last last week.","start_word":654,"end_word":658,"sentiment":"positive","sentiment_score":0.34303006529808044},{"text":"Yes. Oh, No. beautiful. No. It's all good. Oh, that's Yes. good. Well, enough No. about me. What can I help you with? I Oh, had what you I booked wanted in to for a little bit of a catch up. yeah. Yeah. Just a little bit. What I'd like to know is I just Yeah. I I had a look at my we're looking to my My Yep. balance can you what's the my balance is 279? Mhmm. Let me go into your account Yeah. right now But and have yeah. a look for you. MyGov is a bit out of date, to be fair. I I freaked out when I saw it because I was like, Yeah. that's not No. be right. And I was just looking for it going, that's why I haven't been to speak to you because I was Because like, oh yeah. my god. No. If you have a look at it, it should also tell you updated sorry. It's like a little fine print when you see it, and it should say updated last as of. Oh, And sometimes they even do it, like, financial year. Sometimes they do it even couple of months. So I've okay. had that before as well where I looked, and I was like, hang on a minute. No. Sorry. I'm in your and I I can send you the app, and I can send you a bit of an updated report for the last twelve months as of today, so you have it as well.","start_word":659,"end_word":916,"sentiment":"neutral","sentiment_score":-0.002565541071817279},{"text":"Thank you. And it's actually going it's actually going really good given, obviously, what's happening in the market the last twelve months.","start_word":917,"end_word":938,"sentiment":"positive","sentiment_score":0.5079256052320654},{"text":"It's been quite a bit of turbulence, and, obviously, more recently with the war and stuff, we have seen a bit of fluctuation.","start_word":939,"end_word":961,"sentiment":"neutral","sentiment_score":-0.01409838255494833},{"text":"But everything that we have kind of changed with your super since we spoke last, it is heading in a really good way despite everything, so that's great.","start_word":962,"end_word":989,"sentiment":"positive","sentiment_score":0.5608241558074951},{"text":"So as of right now, your super balance is at 320,700. 320,000. Okay. 7 Well, that's 100. much better than because I I think I started off. It's been Yeah. fixed, and I was like, oh my god. What are they doing? If you were like a no. No.","start_word":990,"end_word":1038,"sentiment":"neutral","sentiment_score":0.05198980122804642},{"text":"No. No. No.","start_word":1039,"end_word":1041,"sentiment":"negative","sentiment_score":-0.3804062008857727},{"text":"I wouldn't do that. Yeah. Sorry. I know. Three And I 100. just thought and, you Yeah. know, I was yeah.","start_word":1042,"end_word":1062,"sentiment":"neutral","sentiment_score":-0.13401645421981812},{"text":"No. It freaked me out.","start_word":1063,"end_word":1067,"sentiment":"negative","sentiment_score":-0.460458904504776},{"text":"So the other Yeah. the other question I wanted to ask, I remember Yeah. when remember when I last year, we went a little bit nuts, and I I I I got a redundant, and then I called you guys Mhmm. up and blah blah blah. And then I think it Yeah. was who's the boss? It was Stevie? Sevie? Sevie? Sevy? Yes. Yeah. Sevy. He sent Yeah. me that thing that said yeah. I I think the fees were down a little bit, but when I Mhmm. reached 65, it was estimated that I would get 1,200,000. Mhmm. You know, I I wanna understand that. Okay. So let me have a look at that. So what we do is we do a bit of a projection. So each annual review or when we do advise, Yep. we do a bit of an updated projection for you. Now, obviously, it's no guarantee because things are always changing, and it No. depends Yep. on your situation. But Yep. how it kind of works, it works on the fees you are paying with your contributions. So, Yep. obviously, assuming the income stays the same, contributions from employer goes the same, any fees that comes out. So it's affecting everything for you, works it off your super balance, and then it factors in the return of your investment. Now when we normally use the return of your investments as well, we we don't wanna just use a twelve month period because in a twelve month period, as you would have seen, obviously, in the news and everything as well, things can fluctuate. So Mhmm. it can be a bit uncertain. So what we normally do is we use a five year rolling average. So basically Mhmm. using a five year time frame and then just dividing that on a yearly basis to give us a little bit more certainty on how the portfolio has performed, but also the market as well. So give you a little bit more certainty of what has happened Yes. than just a twelve month period. So what we then use is to use the return on the investments using that five year historical, Mhmm. and then we kind of project it forward depending on, obviously, x amount of years that you wanna look at. And that then give us what the estimated outcome is at the time of retirement. Okay. So that Does was that I mean, I was working then and that that's why and yes. when you because I in my head, and I've been telling everyone, when I retire at 65, I'm gonna get 1,200,000. And I've been saying that to everybody. Like, no. Don't Would speak to. You know? I know. That's what and yeah. I'm and I'm hoping that when these people come to you, I want 200 that said you'll get $200, so no one's come Yeah. yet. Yeah. If they do, make sure they say your name so you get it. I don't need what is that about. I'm I'm surprised my friend because I'm onto her. I'm like, you need to. Now go back to that. So Yeah. could I possibly Mhmm. have just Do you want a an a updated projection version? yes, please. Yeah. Of I've been course. just for the five year, and I'm not work I've got one that I'm not work because I I know I wanna Okay. go back to work. I'm Yes. a have to go back to work Yeah. because I'm using my my savings now. But I've got I Yep. love not working. I have to say Yeah.","start_word":1068,"end_word":1674,"sentiment":"neutral","sentiment_score":-0.023186274569426377},{"text":"I love it anyway.","start_word":1675,"end_word":1678,"sentiment":"positive","sentiment_score":0.4592910706996918},{"text":"But I'm going I'm to. looking But forward can you to just it. I'm just to calm my yes. with you. That I know. Right? You're just gonna deal Yeah. with stuff. You know? Anyway, I'm you know Yes. what I mean? It's true. You Of know, course. you don't. Like, that Of that course. again, it is a little bit boring. Yours will be okay when you stop. Because you're I'll gonna be busy. take six months off. Yeah. You'll be very, very, very busy. Yeah. You just need to be calm. The more Yeah. calm and filled you guys are, Yes. the the baby will sleep. Yeah. My my I had my t Lenny and Jimmy that had and now we're childcare teachers, so they, you know, knew Yeah. shit. But Yeah. They Lenny know it was today. really, really, really they didn't sleep with with Spiro, they didn't sleep for two years. Whereas Wow. my sister like, so you need to be chilled. And I see it's Yes. easy for me to say, but there's nothing to stress about it.","start_word":1679,"end_word":1861,"sentiment":"neutral","sentiment_score":-0.05880860611796379},{"text":"It's baby's Yep. healthy.","start_word":1862,"end_word":1865,"sentiment":"positive","sentiment_score":0.35391131043434143},{"text":"Just Exactly. just be Take chilled. it as it That's comes. all. Yeah. Yeah.","start_word":1866,"end_word":1879,"sentiment":"neutral","sentiment_score":0.19426733255386353},{"text":"It's the you know, it's the best time. And you'll be lucky Yeah.","start_word":1880,"end_word":1892,"sentiment":"positive","sentiment_score":0.3749920427799225},{"text":"you wouldn't get a baby that sleeps, eats, Yep. poop, sleeps, eats, poops. Yeah. That's it. That's what they do for the first, like, nine, eight months. And Yeah. you and you you need to sleep when the baby sleeps. Okay. Yes. So anyway and now Yes. so Yes. I could do yes, an updated projection for you, and I can use it as of today's balance. sir. And assuming no contributions Please. Yeah. Let's just do that. That'll yeah. be the Do worst you case scenario. correct. Now did you say you want it, like, five and ten years frame, or what kind of time frame? Do just do five years with no. Five years? Yep. Yeah. Just five because I'm gonna take I'm gonna have to get a I'll get a job, but it's just it'll it'll it'll, Yeah. invoke, you know, stuff. Yep. So Yep. yeah. And I'll see the difference as well. Because in Yes. my head, I've Yes. got one point in the end. Yeah. Perfect. No. I can definitely do that do Thank that you. for That's you. all. Yeah. Yeah. I just that would be good. And then Yeah. I suppose the next thing actually, let's just do that first because what Okay. I was thinking, I wouldn't I wanna once everything settles and I don't know what Yeah. that means there, but I'd like to come Yeah. and say, like, I mean, I've got, like, say, $200,000 to play Yep. with. What can I do? And What I'm I do wanna we do? pick the bank. Yes. You know what I mean? Yes. Yeah.","start_word":1893,"end_word":2164,"sentiment":"neutral","sentiment_score":0.03190162405371666},{"text":"Good. And that is all part.","start_word":2165,"end_word":2170,"sentiment":"positive","sentiment_score":0.4267530739307403},{"text":"So when when when that happens, when you're ready, just give me a call, and we can book in a bit of a chat and have a bit of a chat about Yeah. it further. That is no problem. Yeah. Well, I paid my I actually, I paid my the the Capital Gains $23. How Yeah.","start_word":2171,"end_word":2226,"sentiment":"neutral","sentiment_score":0.14713727283690656},{"text":"good is that? I love Yeah.","start_word":2227,"end_word":2232,"sentiment":"positive","sentiment_score":0.4111088514328003},{"text":"Chris. I gave him a review.","start_word":2233,"end_word":2238,"sentiment":"neutral","sentiment_score":0.23425279557704928},{"text":"Oh, good. Oh my god. I'm Oh, beautiful. so happy. I will let him know. He will Oh, be he's happy seen with that. it.","start_word":2239,"end_word":2263,"sentiment":"positive","sentiment_score":0.5329849720001221},{"text":"Oh, but but tell Oh.","start_word":2264,"end_word":2268,"sentiment":"neutral","sentiment_score":0.24105942249298096},{"text":"him that I absolutely love him. I Oh love god.","start_word":2269,"end_word":2278,"sentiment":"positive","sentiment_score":0.4345502257347107},{"text":"him. A 300 I'm dollars glad to you pay? got and he's the he's the. Sorry. He did He it with he me. got He said, you know, yeah. next year. He said, well, just be Yeah. on the phone. I was like, oh god.","start_word":2279,"end_word":2323,"sentiment":"neutral","sentiment_score":0.09663189202547072},{"text":"I love that. I just love it. Nice Simon and was convenient.","start_word":2324,"end_word":2335,"sentiment":"positive","sentiment_score":0.5784885883331299},{"text":"an asshole, but RWG, that was the case. Yeah. But anyway and That's and great. and Chris knew him. Chris knows Simon. They're all Mhmm. in part of the thing, so I'm glad I Right. and I gave him the review. Simon's Yeah. an idiot. Chris is wonderful. I love No. them. Two, please. Yep.","start_word":2336,"end_word":2390,"sentiment":"neutral","sentiment_score":0.11768601834774016},{"text":"Beautiful.","start_word":2391,"end_word":2391,"sentiment":"positive","sentiment_score":0.3458937406539917},{"text":"Oh, Yes.","start_word":2392,"end_word":2393,"sentiment":"neutral","sentiment_score":0.2315305471420288},{"text":"that's good. I will let him know. He'll be very happy.","start_word":2394,"end_word":2404,"sentiment":"positive","sentiment_score":0.40365010499954224},{"text":"Yep. But, yes, Yeah. I will do no contribution for you. Now I also just wanna let you know just a bit of an update on your return. So Yes. even though, obviously, not working, not getting contributions in the last twelve months, if you're looking from literally as of today, your super is still up. So the growth of your investment is still up by 9.25%. Right. So No. very I'm happy saying with two that. 5%. Yeah. That's good. But what the market So is the market's 8%, isn't it? it's fluctuating, so it depends on what they're looking at. But the average stays at a sales point, and now this is usually used before fees. So it depends on what you were looking at, but people tend to say about 8% Oh, before good. Well, fees. I'm about to pay about that's fine.","start_word":2405,"end_word":2550,"sentiment":"neutral","sentiment_score":0.027669106980096805},{"text":"That's good.","start_word":2551,"end_word":2552,"sentiment":"positive","sentiment_score":0.4100041389465332},{"text":"So I just you wanna are pay 9 about through five after fees, so even more if you are looking at the same.","start_word":2553,"end_word":2575,"sentiment":"neutral","sentiment_score":0.05246223509311676},{"text":"Fantastic. Yeah. That's what I wanna hear. That's I love that.","start_word":2576,"end_word":2586,"sentiment":"positive","sentiment_score":0.5001255869865417},{"text":"Yeah. Yeah.","start_word":2587,"end_word":2588,"sentiment":"neutral","sentiment_score":0.24932308495044708},{"text":"Good.","start_word":2589,"end_word":2589,"sentiment":"positive","sentiment_score":0.371378481388092},{"text":"Yeah.","start_word":2590,"end_word":2590,"sentiment":"neutral","sentiment_score":0.30454522371292114},{"text":"Good. Good. Especially Beautiful.","start_word":2591,"end_word":2594,"sentiment":"positive","sentiment_score":0.5012240409851074},{"text":"after two. No. No. I'm happy with that.","start_word":2595,"end_word":2602,"sentiment":"neutral","sentiment_score":0.17640428245067596},{"text":"That's great. Beautiful.","start_word":2603,"end_word":2605,"sentiment":"positive","sentiment_score":0.6254867911338806},{"text":"Now I will get this sorted for you. Now it will take let me have a Alright. look. I will kinda have it to you ASAP, but it might be latest end of Thursday. So end of business day, Thursday. Is that okay? End of today or this week? I don't I don't This care because week. it's oh, yeah. That's End fine. of Thursday Yeah. I got this week. Latest. no problem. Even if Yes. you just say you're really, really you can't get to me on Friday, Yeah. do it Monday. Yep. I'm I'm I'll okay. communicate. You know? Yeah. Yep. Okay. Beautiful. I'll put Yeah. it No problem. I'll put it I'll put it on the list as a priority for you. But, yeah, just just so you know, I'll have it through you by Thursday, end of business day, the latest. So just keep Thank a lookout you, for beautiful. that email. Thank you very No. much. That's okay. If there's anything you need or when you are ready to have another discussion in regards to what to do, just let Yes. me know. Like always, I I'm will. always here if you if you need Thanks. Thanks, Linda. an appointment or anything.","start_word":2606,"end_word":2812,"sentiment":"neutral","sentiment_score":0.08068171888589859},{"text":"But, yeah, it was lovely chatting to you, and I shall speak to I'm you soon, very happy Poppy. with I'm very happy to get No.","start_word":2813,"end_word":2838,"sentiment":"positive","sentiment_score":0.5020951628684998},{"text":"pregnant.","start_word":2839,"end_word":2839,"sentiment":"neutral","sentiment_score":0.21746167540550232},{"text":"Well done. Thank you so much.","start_word":2840,"end_word":2845,"sentiment":"positive","sentiment_score":0.8350661396980286},{"text":"I'm Uh-oh.","start_word":2846,"end_word":2847,"sentiment":"neutral","sentiment_score":0.25280651450157166},{"text":"sure Thank he'll you.","start_word":2848,"end_word":2851,"sentiment":"positive","sentiment_score":0.4232918620109558},{"text":"speak soon as well.","start_word":2852,"end_word":2855,"sentiment":"neutral","sentiment_score":0.2641695439815521},{"text":"Definitely. Thanks, Monica. Have No a good worries. day. Thanks, Poppy. You too.","start_word":2856,"end_word":2868,"sentiment":"positive","sentiment_score":0.5134374499320984},{"text":"Alright. Bye. Bye. Yeah. Bye, Devon.","start_word":2869,"end_word":2874,"sentiment":"neutral","sentiment_score":0.2045127898454666}],"average":{"sentiment":"neutral","sentiment_score":0.06509527722579123}}}}