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Is now still a good time for you? Perfect. Just before we jump into that one there, do you mind if I could pass through security with that name, date of birth, and current address so we can get stuck into that one? Perfect. Thank you for that one. Now I know it's been a while since you had your last interview. I think it was a mixture of being able to get ahold of you and then also the business to get a little bit busy with some changes that did occur. So apologies for the wait, but we'll get that under the one to work today and answer sort of any questions you have. Now this will be going out to just the end of the review pack to your email there, which will be smittytb@gmail.com. Is that correct? Perfect. So that should arrive shortly. Now within that document there, it's coming through Odoo, which is a bit different to, like, a DocuSign you probably previously used. It is still, like, a email signing software. You'll have your attachments there. We'll have, like, the Vanguard chart, your asset performance, the distributive currency for your insurances there, and then also the new up to date financial services guides. And then as far as the signable documents in the link there, you'll also have the new TFN opt in, which is tax file number opt in form, and then the ongoing service agreement if you were happy with the service and staying on for the next twelve month period, if that makes sense. Perfect. Now with that one as well, we will just quickly go through and make sure everything is up to date there. Now you said your address is still the same. Do you still have your PO box as well? I mean, that's the one four seven point pass most of And as far as the moment, I still have you you're single. Has that changed all in the last sort of twelve ish months since we last spoke? And we don't have a next of kin contact in the event that we couldn't reach you. Did you wanna track anyone down? Or Yep. That's very fine. It's good to see, like, you know, sister's brother is just a friend or a parent. It's only in the event that we couldn't contact you for an extended period of time they'd probably reach out to this person. But if you don't wanna track anything down now, that's perfectly fine. No problem. And as far as your work at the moment, are you still doing the farmhand work? Yep. And then with the company, is it still Master Farming? Yep. Who are you working for at the moment? And sorry. How do you spell that one? Is it just like box, or is it yep. Perfect. And as far as your role with that one, is that changed or with that different employer? Yeah. Perfect. Still a 100% in the field. Perfect. And then as far as your hours per week, do you know roughly what you're doing as an hour there? Do you get any overtime with that one, or is it just standard hours? Yeah. Perfect. And have you got any other qualifications since we last spoke at all in regards to your occupation? I believe just a couple of licenses in regarding to the trucks and the the tractor driving. But is there anything else? Yep. Perfect. And apart from the general sort of farm work, are you doing any sort of heights work or any other hazardous materials apart from, like, maybe a bit of fertilizer, anything like like that? And how long have you been doing that for now, if you don't mind me asking? Just farming in general. Yep. That looks so good. Nearly probably twenty twenty years probably, but it sounds a bit just yeah. Just straight straight into it and didn't leave. Yeah. Perfect. Not a problem. And then as far as that employment, you've probably only been there a couple of years now. And do you know roughly what your annual income is now with that new one? Yep. Really? And do you know roughly sort of what your outgoing is versus what your savings is looking like at the moment? Yeah. No. I completely understand. Well, the cost of fuel is definitely not getting any cheaper at the moment, so it's probably gonna swing the other way a little bit. Perfect. And then as far as, like, any sort of salary sacrifice or any other contributions to Super, have you thought about that? Is that something you sort of thought about in the future or not too interested in the moment? Right. And then with your employer, do you have any sort of, like, EBA that you're under or sort of agreement other than just your employment contract? Perfect. And I'll just update your assets and liabilities. So I know you got the house there. It's worth around the $2.60. Is that roughly the same, or is that yep. So probably sitting around the $3.20 sort of maybe, Mark. Yeah. Exactly. And do you know roughly what your mortgage is going on that one at the moment? $1.40 per week. And I know you had a there with around sort of the 30 mark with about 20 owing. Is that sort of paid down a bit now? Perfect. And 60. And do how much is left owing on that one? Perfect. And then I know you had a truck at one point. Do you still have that truck? Yeah. Not a problem. And then I know you had about 3,000 worth of firearms. Is that still roughly the same? And with the new purchase, I know you had a decent chunk in savings. Do you still have a bit of a cash buffer in savings? Yep. Do you know roughly what that's sitting at at the moment? And is that an offset or just like a general savings account? Yep. And then with, obviously, everything that's going on or anything, when's the last time you sort of refinanced on your home or had a look at refinancing with the property increase value? Yeah. Obviously, with the the rates kind of going up at the moment, like, there's a good chance that it'll kind of keep going. I don't know if you're on variable or on a fixed at the moment. So if you did want to sort of have a look into it, you can sort of reach out. We can put you in touch with one of the mortgage brokers and just sort of see if they're sort of willing to offer any sort of fixed rates or any sort of terms. But, obviously, if the war sort of ends in a quickly sort of manner, there's a chance, like, in the future, the rates might drop again. It's sort of a bit up in the air, so I'm not too sure if you would wanna look at sort of fixing a term or not and things like that. But it is an option if you do wanna sort of reach out and have a look at what that might look like. And then also if the, like, interest rate obviously goes up, you can sort of go to your current lender and talk about maybe an offset account and then putting your savings off on that to potentially offset your debt instead of, like, accruing the interest depending on what your interest you're getting versus what the current rate of your home loan gets to to sort of ease the the repayments there. You wouldn't be getting your interest, but you'd be offsetting, you know, $40 of your your home loans. You're only paying interest on a $100 worth of that. Yeah. So it's a bit of an option depending on, you know, obviously, the interest rate doesn't always keep sort of par with what mortgage rates might jump to. So it's just something to be mindful of that you can sort of do as part of that. And as far as anything else that sort of haven't mentioned, any caravans, you know, boats, things like that that you've got at the moment? Not a problem. And there's a few questions here that are a bit random, but just haven't been on the questions previously. But have you ever declared bankruptcy previously? Yep. And are you a tax resident for any other foreign jurisdiction or anywhere else? Like a tax resident anywhere else outside of Australia? I mean and you're not involved in any sort of politics or any family in politics or anything like that? Perfect. And as far as smoking, nonsmoke, you're still nonsmoking? I mean, as far as, like, your health, how's that been for the last sort of twelve to eighteen months there? No injuries or any medications currently? Perfect. And do you hold private health cover at the moment? Perfect. Is that, like, hospitals and extras? Perfect. And then as far as the will and a power of attorney, things like that, have you done anything in regards to your estate planning recently? Perfect. And did you do, like, a power of attorney with in conjunction with that? Brilliant. That's what we like to hear. And I'll just double check-in regards to your account there. So I'm just double checking to see if there's any beneficiaries on your current account. Yep. And I've got Billy Kaye and Oliver Andrew Schmidt as your beneficiaries at the moment. Yep. So with that, just given that you sort of are separated now that, like, is a chance that, like, sort of still being your spouse, that is fine or sort of, you know, if you are providing financial support to her and, obviously, for your child that it can be like an interdependent relationship with not being sort of currently together. The spouse sort of title is a bit could be gone anyway because spouses generally get the the funds as a tax free distribution, whereas, you know, interdependent, there may still be some tax applied and things like that. So that's just something to be mindful of. But if you are supporting her financially, she does form part of, like, the independent relationship, so can still be on the form. The other way is you can leave it to the will, and it gets taxed a bit differently going to the will, and then it can be distributed that way as well. Also, once your child does hit 18, they also are no longer a tax dependent if you're not supporting them financially, and they also can get taxed and no longer tax dependent and don't receive those funds tax free generally as well. Just something to be mindful of. Perfect. Now in regards to your goals and what you're trying to achieve, I know you were just sort of looking at paying down that mortgage and looking at investment property in the future. Is that sort of still the the main goal? Yep. Do you have any short term goals that you're working towards at the moment? Yeah. It's definitely not getting any cheaper at the moment with everything going on, which is a bit unfortunate. Yeah. The wage increases really aren't sort of keeping pace even with what the cost of living is going up each year. So just everyone's getting a bit more each year, so it's a bit rough. But we will go through a quick risk profile questionnaire and just make sure that's in line with what we currently got you invested in. Now have you done any direct share investments since we last sort of spoke at all there? Yep. No. That's perfectly fine. Are we still investing that long term? But are you considering yourself still a bit of a higher risk taker there in terms of, like, the risk reward? Yep. Perfect. And then if within six months, like, your portfolio decreased by 20% just due to, like, the general market trends, like, with everything going on the war and everything like that, would you still hold and wait for that improve? Would you wanna look at sort of minimizing that by going to some more conservative assets or still, like, keep investing for growth? Perfect. And then within regards to, like, it dropping, did that make you a little bit cautious or you sort of just, like, bit out of sight out of mind with how long you got till retirement? Yep. Not a problem. And then as far as borrowed money, I know you said you invested in investment property, but do you ever put borrowed money into anything else? Not a problem. So it does still bring out as a growth investor, which is what your current portfolio is. So currently about 8% in those growth assets and about 20% in those defensive assets, if that still makes sense. Yeah. So given your time till retirement, you obviously still got quite a number of years until you hit your retirement years so you can take on that level of risk and even sort of more if you wanted to, but sort of growth is sort of that nice middle ground there with the eight percent growth, 20% defensive. Now, obviously, in regards to the last twelve months, it hasn't been too crash hot because the tariff talk at the start of the year recovered from that. And then, obviously, with the war, it's taken another bit of a dive in terms of, like, the superannuation balance. Now given that you do have such a large holding towards Venilon, which is an actively managed fund, around 26% and everything that did occur, they also had an underlying investment that wasn't reporting correctly. So they got done for some dodgy accounting. And then as a result, Benelon had to reevaluate that stock, and then their funds sort of dropped in relation to that plus the war as well. Now given your time on board, we could possibly look to updating your portfolio to making sure that moving forward if that doesn't sort of happen. Now within regards to that one, I'm not too sure if you got your email up in front of you there of those reports, but we can look to do a bit of an update to see if we can put you in a bit of a better position to diversify a little bit better away from such a key holding in those actively managed funds, or we can to put you in sort of a more passive index approach, which is cheaper overall. Still has, like, the same allocation to, like, growth assets, but you don't have those active fund managers trying to outperform the market. You're just sort of tracking what the indexes are doing. Now with that, it's obviously lower cost over a longer term period as well. They generally tend to track better than those actively managed funds because, you know, they have a few really good years and then sometimes some bad years. I see a lot more volatility, much like what's happened with Venlo. Now, normally, you wouldn't sort of, you know, wanna sell low and buy it higher. But given what did occur with Benelung, the investment committee wants to move away from them moving forward anyway. So that's just the business decision to move away from that specific actively managed fund. That's not to say you can't still remain some portion inactive, but moving forward, they would be looking to update that and get rid of that one at least and maybe update a few other things as well with the losses to offset those changes with the the loss to make sure you're not paying too much capital gains with any switches we do make. Now would you still wanna look to have, like, an active portion in your superannuation, or would you feel like you'd sort of be comfortable with the more passive approach that's a bit cheaper? Yeah. So, obviously, you just have a little bit less risk at the same amount of exposure to growth assets. So you sort of track what the market's doing. Now we see for the next sort of three to six months, it might not do great in terms of the fact that with the war going on, but that's the market as a whole. And in that time period too, it's a lot harder to pick the sort of winners and losers as well. If a fund does, obviously, you know, you get a lot more growth out of that in that time period, but then also they're picking and losing much like what Benelon did. It's a lot that can sort of go wrong and sort of decrease in terms of that with the volatility that is going around at the moment. Perfect. Now in regards to that, in regards to your income and with your life insurance and income protection and total permanent disability, have you had a look at those with the renewal and had a look and see if you're happy with that? Or yeah. So you've got about $2.90 in terms of life cover and same with the total parent disability, which given your current level of debt would go clear the debt and have a little bit extra on top of that plus whatever your superannuation balance is. Now in terms of, like, if you were never able to work again in the TPD side of things, given that you're quite young still, it might be sort of a little bit underinsured in terms of, like, you know, if you couldn't earn an income moving forward, if you did suffer a significant issue, it just means once you've paid off your debt and everything and sort of run out of that money, you just have to rely on some form of, like, government assistance programs, things like that as well. Yeah. Otherwise, you'd sort of if you want to replace your income for, you know, that ten plus years, given your age, you'd be looking sort of closer to, like, a million dollars worth of cover and trying to, you know, cover the longer term. But that's to say you are paying a higher price for that, and then, you know, there's no sort of guarantee you're ever gonna claim on that with that. Got it. Perfect. And then we get slight income increase there as well. Your income protection could be probably a little bit higher in terms of that the monthly cover amount Given that you can cover for up to 70% of your your current income, you're currently coming for around 4,900 as a monthly benefit that can that is taxed as well. That's like a pretax figure. And 70% of your current income would be around the sort of $52.50 mark, so 5,250 in terms of, like, a monthly benefit amount you could cover for. Now within regards to that, you can look to do with Clearview a 15% increase with in regards to your current policy, which would obviously increase the price as well. It would sort of mean that you're looking to increase your current amount based on your payslips and income increase up by 15% with the future increase and your pay increase that you did have. But, obviously, if you're comfortable with the cover amount, given that, you know, your your mortgage probably isn't a huge amount, if you can survive off that, you don't have to increase it. It's just something you can do with that income increase if you've sort of increased your living lifestyle with that increase as well, if that makes sense. Yeah. Obviously, you can look at sort of changing that in the future. And then even sort of next year, you can look to sort of do that 15% increase to give you that bump up because currently, sort of now, if you did the 15%, it sort of it's up to the amount that you cut, like, 70% or, like, to the max 15% each year. And even then, like, 15% of your current policy, it would sort of go up to where your current needs would be and then some. So even if you look to do it next year, if you feel like you might need that with the cost of living increasing, you can look to do that next year as well. The only other thing insurance that you don't have is trauma cover. Not too sure how much you remember about trauma, but I just sort of mentioned it that you don't still have that cover, which is it's a lump sum payment you pay for outside of superannuation. It's gonna be paid out of pocket, and it's covering for things like heart attacks, strokes, those sort of conditions just to, like, sort of bridge the gap between income protection and total permanent disability. It's not something you have to have, but it's just to be mindful that you don't have that cover. And given those conditions, sort of, you may not fall under an IP claim or a TPD claim. It's just something yeah. A bit obviously, trauma insurance sort of bridges the gap with those other conditions. If you got diagnosed with, you know, some form of cancer, you may not sort of instantly be off work, but you may wanna take some time off. That's the sort of traumatic event that it covers in the event of. But if you're happy with the current cover, going back to underwriting just for trauma can be a little bit of a hassle, but then also that's just more stuff you with the time and going through the process of applying and underwriting. But if you did wanna look at change your insurance covers, if you did sort of take on a bit more debt with a different property and things like that as well, increasing your primary residence size, things like that, all that debt, we could look to revisit it all as a whole as well. But currently, you're happy sort of just not having trauma insurance, or is it something you would wanna look at? Yeah. Perfect. Now as far as the performance for the last twelve months too with how things are traveling, it did around negative 1.77 given you have the higher allocation to that bed along fund. The rest of your portfolio, there are only a couple others that did underperform, but based on the fact that you have such a high allocation in that Bennelong is the reason that it did so poorly. A lot of it was propped up by some of your other investments, so it could have been a lot worse. But then, obviously, the markets as a whole are down a little bit at the moment as well within regards to that, but we will look at that update for you if that makes sense moving forward. Perfect. But do you have any other questions in regards to any of that today, Dwayne, or any of the documents provided or your ongoing service agreement? As an estimated fee based on your balance will be around the 1,300 mark. It's like that sort of each month as a proportion across the twelve months based on that 1.65% just as what you're agreeing to there. So make sure you have a read of that, make sure you're happy with that in regards to fee you are signing and the service. But in saying that, they have updated that ongoing service agreement and financial services guide to have a look at that. And you can sort of, at any point, opt out. So there's no sort of fear of lock in if you ever wanted to leave in the middle of your sort of contract or service agreement. Perfect. Do you have anything for me before I let you go there, Dylan? Perfect. No worries. Well, I'll get a start on that note and everything like that, and then we'll be in touch once they've sort of put that together to be able to update that portfolio for you moving forward. But you largely haven't had any issues with Hub itself or the platform or accessing it or generating any reports and things like that? Not a problem at all. Well, if you don't have anything for me, I'll let you get back to your day. Thanks for your time. I'm sure we'll be in touch shortly. No problem, Dwight. Enjoy the rest of your day. Thanks. 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afternoon, Edwin. It's Carl calling from IP Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I do scheduled in for you and review. Is now still a good time for you? Perfect. Just before we jump into that one there, do you mind if I could pass through security with that name, date of birth, and current address so we can get stuck into that one?\n\nPerfect. Thank you for that one. Now I know it's been a while since you had your last interview. I think it was a mixture of being able to get ahold of you and then also the business to get a little bit busy with some changes that did occur. So apologies for the wait, but we'll get that under the one to work today and answer sort of any questions you have.\n\nNow this will be going out to just the end of the review pack to your email there, which will be smittytb@gmail.com. Is that correct? Perfect. So that should arrive shortly. Now within that document there, it's coming through Odoo, which is a bit different to, like, a DocuSign you probably previously used.\n\nIt is still, like, a email signing software. You'll have your attachments there. We'll have, like, the Vanguard chart, your asset performance, the distributive currency for your insurances there, and then also the new up to date financial services guides. And then as far as the signable documents in the link there, you'll also have the new TFN opt in, which is tax file number opt in form, and then the ongoing service agreement if you were happy with the service and staying on for the next twelve month period, if that makes sense. Perfect.\n\nNow with that one as well, we will just quickly go through and make sure everything is up to date there. Now you said your address is still the same. Do you still have your PO box as well? I mean, that's the one four seven point pass most of And as far as the moment, I still have you you're single. Has that changed all in the last sort of twelve ish months since we last spoke?\n\nAnd we don't have a next of kin contact in the event that we couldn't reach you. Did you wanna track anyone down? Or Yep. That's very fine. It's good to see, like, you know, sister's brother is just a friend or a parent.\n\nIt's only in the event that we couldn't contact you for an extended period of time they'd probably reach out to this person. But if you don't wanna track anything down now, that's perfectly fine. No problem. And as far as your work at the moment, are you still doing the farmhand work? Yep.\n\nAnd then with the company, is it still Master Farming? Yep. Who are you working for at the moment? And sorry. How do you spell that one?\n\nIs it just like box, or is it yep. Perfect. And as far as your role with that one, is that changed or with that different employer? Yeah. Perfect.\n\nStill a 100% in the field. Perfect. And then as far as your hours per week, do you know roughly what you're doing as an hour there? Do you get any overtime with that one, or is it just standard hours? Yeah.\n\nPerfect. And have you got any other qualifications since we last spoke at all in regards to your occupation? I believe just a couple of licenses in regarding to the trucks and the the tractor driving. But is there anything else? Yep.\n\nPerfect. And apart from the general sort of farm work, are you doing any sort of heights work or any other hazardous materials apart from, like, maybe a bit of fertilizer, anything like like that? And how long have you been doing that for now, if you don't mind me asking? Just farming in general. Yep.\n\nThat looks so good. Nearly probably twenty twenty years probably, but it sounds a bit just yeah. Just straight straight into it and didn't leave. Yeah. Perfect.\n\nNot a problem. And then as far as that employment, you've probably only been there a couple of years now. And do you know roughly what your annual income is now with that new one? Yep. Really?\n\nAnd do you know roughly sort of what your outgoing is versus what your savings is looking like at the moment? Yeah. No. I completely understand. Well, the cost of fuel is definitely not getting any cheaper at the moment, so it's probably gonna swing the other way a little bit.\n\nPerfect. And then as far as, like, any sort of salary sacrifice or any other contributions to Super, have you thought about that? Is that something you sort of thought about in the future or not too interested in the moment? Right. And then with your employer, do you have any sort of, like, EBA that you're under or sort of agreement other than just your employment contract?\n\nPerfect. And I'll just update your assets and liabilities. So I know you got the house there. It's worth around the $2.60. Is that roughly the same, or is that yep.\n\nSo probably sitting around the $3.20 sort of maybe, Mark. Yeah. Exactly. And do you know roughly what your mortgage is going on that one at the moment? $1.40 per week.\n\nAnd I know you had a there with around sort of the 30 mark with about 20 owing. Is that sort of paid down a bit now? Perfect. And 60. And do how much is left owing on that one?\n\nPerfect. And then I know you had a truck at one point. Do you still have that truck? Yeah. Not a problem.\n\nAnd then I know you had about 3,000 worth of firearms. Is that still roughly the same? And with the new purchase, I know you had a decent chunk in savings. Do you still have a bit of a cash buffer in savings? Yep.\n\nDo you know roughly what that's sitting at at the moment? And is that an offset or just like a general savings account? Yep. And then with, obviously, everything that's going on or anything, when's the last time you sort of refinanced on your home or had a look at refinancing with the property increase value? Yeah.\n\nObviously, with the the rates kind of going up at the moment, like, there's a good chance that it'll kind of keep going. I don't know if you're on variable or on a fixed at the moment. So if you did want to sort of have a look into it, you can sort of reach out. We can put you in touch with one of the mortgage brokers and just sort of see if they're sort of willing to offer any sort of fixed rates or any sort of terms. But, obviously, if the war sort of ends in a quickly sort of manner, there's a chance, like, in the future, the rates might drop again.\n\nIt's sort of a bit up in the air, so I'm not too sure if you would wanna look at sort of fixing a term or not and things like that. But it is an option if you do wanna sort of reach out and have a look at what that might look like. And then also if the, like, interest rate obviously goes up, you can sort of go to your current lender and talk about maybe an offset account and then putting your savings off on that to potentially offset your debt instead of, like, accruing the interest depending on what your interest you're getting versus what the current rate of your home loan gets to to sort of ease the the repayments there. You wouldn't be getting your interest, but you'd be offsetting, you know, $40 of your your home loans. You're only paying interest on a $100 worth of that.\n\nYeah. So it's a bit of an option depending on, you know, obviously, the interest rate doesn't always keep sort of par with what mortgage rates might jump to. So it's just something to be mindful of that you can sort of do as part of that. And as far as anything else that sort of haven't mentioned, any caravans, you know, boats, things like that that you've got at the moment? Not a problem.\n\nAnd there's a few questions here that are a bit random, but just haven't been on the questions previously. But have you ever declared bankruptcy previously? Yep. And are you a tax resident for any other foreign jurisdiction or anywhere else? Like a tax resident anywhere else outside of Australia?\n\nI mean and you're not involved in any sort of politics or any family in politics or anything like that? Perfect. And as far as smoking, nonsmoke, you're still nonsmoking? I mean, as far as, like, your health, how's that been for the last sort of twelve to eighteen months there? No injuries or any medications currently?\n\nPerfect. And do you hold private health cover at the moment? Perfect. Is that, like, hospitals and extras? Perfect.\n\nAnd then as far as the will and a power of attorney, things like that, have you done anything in regards to your estate planning recently? Perfect. And did you do, like, a power of attorney with in conjunction with that? Brilliant. That's what we like to hear.\n\nAnd I'll just double check-in regards to your account there. So I'm just double checking to see if there's any beneficiaries on your current account. Yep. And I've got Billy Kaye and Oliver Andrew Schmidt as your beneficiaries at the moment. Yep.\n\nSo with that, just given that you sort of are separated now that, like, is a chance that, like, sort of still being your spouse, that is fine or sort of, you know, if you are providing financial support to her and, obviously, for your child that it can be like an interdependent relationship with not being sort of currently together. The spouse sort of title is a bit could be gone anyway because spouses generally get the the funds as a tax free distribution, whereas, you know, interdependent, there may still be some tax applied and things like that. So that's just something to be mindful of. But if you are supporting her financially, she does form part of, like, the independent relationship, so can still be on the form. The other way is you can leave it to the will, and it gets taxed a bit differently going to the will, and then it can be distributed that way as well.\n\nAlso, once your child does hit 18, they also are no longer a tax dependent if you're not supporting them financially, and they also can get taxed and no longer tax dependent and don't receive those funds tax free generally as well. Just something to be mindful of. Perfect. Now in regards to your goals and what you're trying to achieve, I know you were just sort of looking at paying down that mortgage and looking at investment property in the future. Is that sort of still the the main goal?\n\nYep. Do you have any short term goals that you're working towards at the moment? Yeah. It's definitely not getting any cheaper at the moment with everything going on, which is a bit unfortunate. Yeah.\n\nThe wage increases really aren't sort of keeping pace even with what the cost of living is going up each year. So just everyone's getting a bit more each year, so it's a bit rough. But we will go through a quick risk profile questionnaire and just make sure that's in line with what we currently got you invested in. Now have you done any direct share investments since we last sort of spoke at all there? Yep.\n\nNo. That's perfectly fine. Are we still investing that long term? But are you considering yourself still a bit of a higher risk taker there in terms of, like, the risk reward? Yep.\n\nPerfect. And then if within six months, like, your portfolio decreased by 20% just due to, like, the general market trends, like, with everything going on the war and everything like that, would you still hold and wait for that improve? Would you wanna look at sort of minimizing that by going to some more conservative assets or still, like, keep investing for growth? Perfect. And then within regards to, like, it dropping, did that make you a little bit cautious or you sort of just, like, bit out of sight out of mind with how long you got till retirement?\n\nYep. Not a problem. And then as far as borrowed money, I know you said you invested in investment property, but do you ever put borrowed money into anything else? Not a problem. So it does still bring out as a growth investor, which is what your current portfolio is.\n\nSo currently about 8% in those growth assets and about 20% in those defensive assets, if that still makes sense. Yeah. So given your time till retirement, you obviously still got quite a number of years until you hit your retirement years so you can take on that level of risk and even sort of more if you wanted to, but sort of growth is sort of that nice middle ground there with the eight percent growth, 20% defensive. Now, obviously, in regards to the last twelve months, it hasn't been too crash hot because the tariff talk at the start of the year recovered from that. And then, obviously, with the war, it's taken another bit of a dive in terms of, like, the superannuation balance.\n\nNow given that you do have such a large holding towards Venilon, which is an actively managed fund, around 26% and everything that did occur, they also had an underlying investment that wasn't reporting correctly. So they got done for some dodgy accounting. And then as a result, Benelon had to reevaluate that stock, and then their funds sort of dropped in relation to that plus the war as well. Now given your time on board, we could possibly look to updating your portfolio to making sure that moving forward if that doesn't sort of happen. Now within regards to that one, I'm not too sure if you got your email up in front of you there of those reports, but we can look to do a bit of an update to see if we can put you in a bit of a better position to diversify a little bit better away from such a key holding in those actively managed funds, or we can to put you in sort of a more passive index approach, which is cheaper overall.\n\nStill has, like, the same allocation to, like, growth assets, but you don't have those active fund managers trying to outperform the market. You're just sort of tracking what the indexes are doing. Now with that, it's obviously lower cost over a longer term period as well. They generally tend to track better than those actively managed funds because, you know, they have a few really good years and then sometimes some bad years. I see a lot more volatility, much like what's happened with Venlo.\n\nNow, normally, you wouldn't sort of, you know, wanna sell low and buy it higher. But given what did occur with Benelung, the investment committee wants to move away from them moving forward anyway. So that's just the business decision to move away from that specific actively managed fund. That's not to say you can't still remain some portion inactive, but moving forward, they would be looking to update that and get rid of that one at least and maybe update a few other things as well with the losses to offset those changes with the the loss to make sure you're not paying too much capital gains with any switches we do make. Now would you still wanna look to have, like, an active portion in your superannuation, or would you feel like you'd sort of be comfortable with the more passive approach that's a bit cheaper?\n\nYeah. So, obviously, you just have a little bit less risk at the same amount of exposure to growth assets. So you sort of track what the market's doing. Now we see for the next sort of three to six months, it might not do great in terms of the fact that with the war going on, but that's the market as a whole. And in that time period too, it's a lot harder to pick the sort of winners and losers as well.\n\nIf a fund does, obviously, you know, you get a lot more growth out of that in that time period, but then also they're picking and losing much like what Benelon did. It's a lot that can sort of go wrong and sort of decrease in terms of that with the volatility that is going around at the moment. Perfect. Now in regards to that, in regards to your income and with your life insurance and income protection and total permanent disability, have you had a look at those with the renewal and had a look and see if you're happy with that? Or yeah.\n\nSo you've got about $2.90 in terms of life cover and same with the total parent disability, which given your current level of debt would go clear the debt and have a little bit extra on top of that plus whatever your superannuation balance is. Now in terms of, like, if you were never able to work again in the TPD side of things, given that you're quite young still, it might be sort of a little bit underinsured in terms of, like, you know, if you couldn't earn an income moving forward, if you did suffer a significant issue, it just means once you've paid off your debt and everything and sort of run out of that money, you just have to rely on some form of, like, government assistance programs, things like that as well. Yeah. Otherwise, you'd sort of if you want to replace your income for, you know, that ten plus years, given your age, you'd be looking sort of closer to, like, a million dollars worth of cover and trying to, you know, cover the longer term. But that's to say you are paying a higher price for that, and then, you know, there's no sort of guarantee you're ever gonna claim on that with that.\n\nGot it. Perfect. And then we get slight income increase there as well. Your income protection could be probably a little bit higher in terms of that the monthly cover amount Given that you can cover for up to 70% of your your current income, you're currently coming for around 4,900 as a monthly benefit that can that is taxed as well. That's like a pretax figure.\n\nAnd 70% of your current income would be around the sort of $52.50 mark, so 5,250 in terms of, like, a monthly benefit amount you could cover for. Now within regards to that, you can look to do with Clearview a 15% increase with in regards to your current policy, which would obviously increase the price as well. It would sort of mean that you're looking to increase your current amount based on your payslips and income increase up by 15% with the future increase and your pay increase that you did have. But, obviously, if you're comfortable with the cover amount, given that, you know, your your mortgage probably isn't a huge amount, if you can survive off that, you don't have to increase it. It's just something you can do with that income increase if you've sort of increased your living lifestyle with that increase as well, if that makes sense.\n\nYeah. Obviously, you can look at sort of changing that in the future. And then even sort of next year, you can look to sort of do that 15% increase to give you that bump up because currently, sort of now, if you did the 15%, it sort of it's up to the amount that you cut, like, 70% or, like, to the max 15% each year. And even then, like, 15% of your current policy, it would sort of go up to where your current needs would be and then some. So even if you look to do it next year, if you feel like you might need that with the cost of living increasing, you can look to do that next year as well.\n\nThe only other thing insurance that you don't have is trauma cover. Not too sure how much you remember about trauma, but I just sort of mentioned it that you don't still have that cover, which is it's a lump sum payment you pay for outside of superannuation. It's gonna be paid out of pocket, and it's covering for things like heart attacks, strokes, those sort of conditions just to, like, sort of bridge the gap between income protection and total permanent disability. It's not something you have to have, but it's just to be mindful that you don't have that cover. And given those conditions, sort of, you may not fall under an IP claim or a TPD claim.\n\nIt's just something yeah. A bit obviously, trauma insurance sort of bridges the gap with those other conditions. If you got diagnosed with, you know, some form of cancer, you may not sort of instantly be off work, but you may wanna take some time off. That's the sort of traumatic event that it covers in the event of. But if you're happy with the current cover, going back to underwriting just for trauma can be a little bit of a hassle, but then also that's just more stuff you with the time and going through the process of applying and underwriting.\n\nBut if you did wanna look at change your insurance covers, if you did sort of take on a bit more debt with a different property and things like that as well, increasing your primary residence size, things like that, all that debt, we could look to revisit it all as a whole as well. But currently, you're happy sort of just not having trauma insurance, or is it something you would wanna look at? Yeah. Perfect. Now as far as the performance for the last twelve months too with how things are traveling, it did around negative 1.77 given you have the higher allocation to that bed along fund.\n\nThe rest of your portfolio, there are only a couple others that did underperform, but based on the fact that you have such a high allocation in that Bennelong is the reason that it did so poorly. A lot of it was propped up by some of your other investments, so it could have been a lot worse. But then, obviously, the markets as a whole are down a little bit at the moment as well within regards to that, but we will look at that update for you if that makes sense moving forward. Perfect. But do you have any other questions in regards to any of that today, Dwayne, or any of the documents provided or your ongoing service agreement?\n\nAs an estimated fee based on your balance will be around the 1,300 mark. It's like that sort of each month as a proportion across the twelve months based on that 1.65% just as what you're agreeing to there. So make sure you have a read of that, make sure you're happy with that in regards to fee you are signing and the service. But in saying that, they have updated that ongoing service agreement and financial services guide to have a look at that. And you can sort of, at any point, opt out.\n\nSo there's no sort of fear of lock in if you ever wanted to leave in the middle of your sort of contract or service agreement. Perfect. Do you have anything for me before I let you go there, Dylan? Perfect. No worries.\n\nWell, I'll get a start on that note and everything like that, and then we'll be in touch once they've sort of put that together to be able to update that portfolio for you moving forward. But you largely haven't had any issues with Hub itself or the platform or accessing it or generating any reports and things like that? Not a problem at all. Well, if you don't have anything for me, I'll let you get back to your day. Thanks for your time.\n\nI'm sure we'll be in touch shortly. No problem, Dwight. Enjoy the rest of your day. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Edwin.","start":3.04,"end":4.0,"sentiment":"positive","sentiment_score":0.4089993139108022},{"text":"It's Carl calling from IP Financial.","start":4.0,"end":5.52,"sentiment":"neutral","sentiment_score":0.2456431264678637},{"text":"How are you today?","start":5.52,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.3048712760210037},{"text":"Yeah.","start":7.9199996,"end":8.24,"sentiment":"neutral","sentiment_score":0.2408488392829895},{"text":"Not too bad at all.","start":8.24,"end":9.2,"sentiment":"positive","sentiment_score":0.3547152101993561}],"sentiment":"neutral","sentiment_score":0.31235614183701965,"num_words":19,"start":3.04,"end":9.2},{"sentences":[{"text":"Thanks for asking.","start":9.2,"end":10.0,"sentiment":"positive","sentiment_score":0.698570728302002},{"text":"I do scheduled in for you and review.","start":10.0,"end":11.679999,"sentiment":"positive","sentiment_score":0.4249855540692806},{"text":"Is now still a good time for you?","start":11.679999,"end":13.065,"sentiment":"positive","sentiment_score":0.3723269812762737},{"text":"Perfect.","start":15.545,"end":16.025,"sentiment":"positive","sentiment_score":0.4618731737136841},{"text":"Just before we jump into that one there, do you mind if I could pass through security with that name, date of birth, and current address so we can get stuck into that one?","start":16.025,"end":21.645,"sentiment":"neutral","sentiment_score":0.08986486001488041}],"sentiment":"neutral","sentiment_score":0.222064645960927,"num_words":54,"start":9.2,"end":21.645},{"sentences":[{"text":"Perfect.","start":27.88,"end":28.279999,"sentiment":"positive","sentiment_score":0.49629899859428406},{"text":"Thank you for that one.","start":28.279999,"end":29.48,"sentiment":"positive","sentiment_score":0.6011796355247497},{"text":"Now I know it's been a while since you had your last interview.","start":29.48,"end":32.379997,"sentiment":"neutral","sentiment_score":0.03169250717529884},{"text":"I think it was a mixture of being able to get ahold of you and then also the business to get a little bit busy with some changes that did occur.","start":32.6,"end":39.225,"sentiment":"neutral","sentiment_score":0.008055163727652642},{"text":"So apologies for the wait, but we'll get that under the one to work today and answer sort of any questions you have.","start":39.225,"end":45.245,"sentiment":"neutral","sentiment_score":0.017024748351262962}],"sentiment":"neutral","sentiment_score":0.06240382270045476,"num_words":73,"start":27.88,"end":45.245},{"sentences":[{"text":"Now this will be going out to just the end of the review pack to your email there, which will be smittytb@gmail.com.","start":46.025,"end":55.51,"sentiment":"neutral","sentiment_score":0.07068692130798643},{"text":"Is that correct?","start":55.51,"end":56.25,"sentiment":"neutral","sentiment_score":0.04524879405895869},{"text":"Perfect.","start":58.23,"end":58.73,"sentiment":"positive","sentiment_score":0.33882755041122437},{"text":"So that should arrive shortly.","start":59.11,"end":60.39,"sentiment":"neutral","sentiment_score":0.24970372915267944},{"text":"Now within that document there, it's coming through Odoo, which is a bit different to, like, a DocuSign you probably previously used.","start":60.39,"end":65.83,"sentiment":"neutral","sentiment_score":0.05965424007312818}],"sentiment":"neutral","sentiment_score":0.08661505903275508,"num_words":53,"start":46.025,"end":65.83},{"sentences":[{"text":"It is still, like, a email signing software.","start":65.83,"end":68.09,"sentiment":"neutral","sentiment_score":0.08761676400899887},{"text":"You'll have your attachments there.","start":68.65501,"end":69.855,"sentiment":"neutral","sentiment_score":0.11967971920967102},{"text":"We'll have, like, the Vanguard chart, your asset performance, the distributive currency for your insurances there, and then also the new up to date financial services guides.","start":69.855,"end":78.735,"sentiment":"neutral","sentiment_score":0.14441080694949185},{"text":"And then as far as the signable documents in the link there, you'll also have the new TFN opt in, which is tax file number opt in form, and then the ongoing service agreement if you were happy with the service and staying on for the next twelve month period, if that makes sense.","start":78.735,"end":92.79,"sentiment":"neutral","sentiment_score":0.15118051499680238},{"text":"Perfect.","start":94.865,"end":95.365,"sentiment":"neutral","sentiment_score":0.04522731155157089}],"sentiment":"neutral","sentiment_score":0.1411305222856371,"num_words":95,"start":65.83,"end":95.365},{"sentences":[{"text":"Now with that one as well, we will just quickly go through and make sure everything is up to date there.","start":96.625,"end":102.244995,"sentiment":"neutral","sentiment_score":0.12878950756220592},{"text":"Now you said your address is still the same.","start":102.385,"end":104.305,"sentiment":"neutral","sentiment_score":0.0452425732380814},{"text":"Do you still have your PO box as well?","start":104.305,"end":106.2,"sentiment":"neutral","sentiment_score":0.035054551851418286},{"text":"I mean, that's the one four seven point pass most of And as far as the moment, I still have you you're single.","start":108.2,"end":115.64,"sentiment":"neutral","sentiment_score":0.051463448078088135},{"text":"Has that changed all in the last sort of twelve ish months since we last spoke?","start":115.64,"end":118.665,"sentiment":"neutral","sentiment_score":0.0021297928760759532}],"sentiment":"neutral","sentiment_score":0.05955115097980851,"num_words":78,"start":96.625,"end":118.665},{"sentences":[{"text":"And we don't have a next of kin contact in the event that we couldn't reach you.","start":121.065,"end":123.705,"sentiment":"neutral","sentiment_score":-0.19274148783263037},{"text":"Did you wanna track anyone down?","start":123.705,"end":125.145004,"sentiment":"neutral","sentiment_score":-0.2021673396229744},{"text":"Or Yep.","start":125.145004,"end":132.51999,"sentiment":"neutral","sentiment_score":0.020270049571990953},{"text":"That's very fine.","start":132.51999,"end":133.23999,"sentiment":"positive","sentiment_score":0.45848002036412555},{"text":"It's good to see, like, you know, sister's brother is just a friend or a parent.","start":133.23999,"end":136.28,"sentiment":"positive","sentiment_score":0.5115230828523636}],"sentiment":"neutral","sentiment_score":0.11615318534049121,"num_words":44,"start":121.065,"end":136.28},{"sentences":[{"text":"It's only in the event that we couldn't contact you for an extended period of time they'd probably reach out to this person.","start":136.28,"end":141.56,"sentiment":"positive","sentiment_score":0.33531140147343924},{"text":"But if you don't wanna track anything down now, that's perfectly fine.","start":141.56,"end":144.54,"sentiment":"neutral","sentiment_score":0.3321615631381671},{"text":"No problem.","start":146.95499,"end":147.435,"sentiment":"neutral","sentiment_score":0.08323406055569649},{"text":"And as far as your work at the moment, are you still doing the farmhand work?","start":147.435,"end":150.33499,"sentiment":"neutral","sentiment_score":0.00427871139254421},{"text":"Yep.","start":152.155,"end":152.555,"sentiment":"neutral","sentiment_score":0.01928737759590149}],"sentiment":"neutral","sentiment_score":0.22133918282472426,"num_words":54,"start":136.28,"end":152.555},{"sentences":[{"text":"And then with the company, is it still Master Farming?","start":152.555,"end":155.295,"sentiment":"neutral","sentiment_score":-0.0053707646206021305},{"text":"Yep.","start":158.25,"end":158.57,"sentiment":"neutral","sentiment_score":-0.0011013852199539542},{"text":"Who are you working for at the moment?","start":158.57,"end":160.36,"sentiment":"neutral","sentiment_score":-0.015547667164355516},{"text":"And sorry.","start":168.74501,"end":169.065,"sentiment":"neutral","sentiment_score":-0.022144144400954247},{"text":"How do you spell that one?","start":169.065,"end":170.18501,"sentiment":"neutral","sentiment_score":-0.018183766553799312}],"sentiment":"neutral","sentiment_score":-0.012317824328352732,"num_words":27,"start":152.555,"end":170.18501},{"sentences":[{"text":"Is it just like box, or is it yep.","start":170.18501,"end":176.365,"sentiment":"neutral","sentiment_score":-0.006110010461674796},{"text":"Perfect.","start":179.865,"end":180.365,"sentiment":"neutral","sentiment_score":0.2567477524280548},{"text":"And as far as your role with that one, is that changed or with that different employer?","start":180.68001,"end":184.78,"sentiment":"neutral","sentiment_score":0.028121506576152408},{"text":"Yeah.","start":190.36,"end":190.76001,"sentiment":"neutral","sentiment_score":0.15455356240272522},{"text":"Perfect.","start":190.76001,"end":191.26001,"sentiment":"neutral","sentiment_score":0.2982695698738098}],"sentiment":"neutral","sentiment_score":0.0390567724946244,"num_words":29,"start":170.18501,"end":191.26001},{"sentences":[{"text":"Still a 100% in the field.","start":191.96,"end":193.34001,"sentiment":"neutral","sentiment_score":0.25058652460575104},{"text":"Perfect.","start":198.16501,"end":198.66501,"sentiment":"neutral","sentiment_score":0.2879217267036438},{"text":"And then as far as your hours per week, do you know roughly what you're doing as an hour there?","start":198.725,"end":202.585,"sentiment":"neutral","sentiment_score":0.04694901742041111},{"text":"Do you get any overtime with that one, or is it just standard hours?","start":207.70001,"end":210.76001,"sentiment":"neutral","sentiment_score":-0.011327236824269806},{"text":"Yeah.","start":215.78,"end":216.1,"sentiment":"neutral","sentiment_score":0.197083979845047}],"sentiment":"neutral","sentiment_score":0.06592675921551529,"num_words":42,"start":191.96,"end":216.1},{"sentences":[{"text":"Perfect.","start":216.1,"end":216.6,"sentiment":"positive","sentiment_score":0.5926945805549622},{"text":"And have you got any other qualifications since we last spoke at all in regards to your occupation?","start":216.74,"end":220.84001,"sentiment":"neutral","sentiment_score":0.11149661056697369},{"text":"I believe just a couple of licenses in regarding to the trucks and the the tractor driving.","start":226.505,"end":231.465,"sentiment":"neutral","sentiment_score":0.018072095754392007},{"text":"But is there anything else?","start":231.465,"end":232.685,"sentiment":"neutral","sentiment_score":0.02699182666838169},{"text":"Yep.","start":241.96,"end":242.46,"sentiment":"neutral","sentiment_score":0.13514326512813568}],"sentiment":"neutral","sentiment_score":0.07564194278702849,"num_words":42,"start":216.1,"end":242.46},{"sentences":[{"text":"Perfect.","start":243.32,"end":243.82,"sentiment":"neutral","sentiment_score":0.29135268926620483},{"text":"And apart from the general sort of farm work, are you doing any sort of heights work or any other hazardous materials apart from, like, maybe a bit of fertilizer, anything like like that?","start":244.36,"end":254.185,"sentiment":"neutral","sentiment_score":-0.0006811145473929012},{"text":"And how long have you been doing that for now, if you don't mind me asking?","start":260.66,"end":263.80002,"sentiment":"neutral","sentiment_score":-0.01814969355473295},{"text":"Just farming in general.","start":267.62003,"end":268.92,"sentiment":"neutral","sentiment_score":0.016214101575315},{"text":"Yep.","start":276.435,"end":276.835,"sentiment":"neutral","sentiment_score":0.1460614800453186}],"sentiment":"neutral","sentiment_score":0.0033699568593874574,"num_words":56,"start":243.32,"end":276.835},{"sentences":[{"text":"That looks so good.","start":276.835,"end":277.635,"sentiment":"neutral","sentiment_score":0.3003988116979599},{"text":"Nearly probably twenty twenty years probably, but it sounds a bit just yeah.","start":277.635,"end":282.51498,"sentiment":"neutral","sentiment_score":0.04859593338691271},{"text":"Just straight straight into it and didn't leave.","start":282.51498,"end":284.775,"sentiment":"neutral","sentiment_score":0.03192918770946562},{"text":"Yeah.","start":291.99002,"end":292.31,"sentiment":"neutral","sentiment_score":0.13099011778831482},{"text":"Perfect.","start":292.31,"end":292.71002,"sentiment":"neutral","sentiment_score":0.2531827688217163}],"sentiment":"neutral","sentiment_score":0.09159069515212818,"num_words":27,"start":276.835,"end":292.71002},{"sentences":[{"text":"Not a problem.","start":292.71002,"end":293.45,"sentiment":"neutral","sentiment_score":0.15936985115210214},{"text":"And then as far as that employment, you've probably only been there a couple of years now.","start":293.75,"end":298.755,"sentiment":"neutral","sentiment_score":0.04495059129069833},{"text":"And do you know roughly what your annual income is now with that new one?","start":305.315,"end":308.775,"sentiment":"neutral","sentiment_score":0.018919319659471513},{"text":"Yep.","start":315.81,"end":316.31,"sentiment":"neutral","sentiment_score":0.03808273375034332},{"text":"Really?","start":316.37,"end":316.69,"sentiment":"neutral","sentiment_score":0.021396704018115997}],"sentiment":"neutral","sentiment_score":0.04285240102861378,"num_words":37,"start":292.71002,"end":316.69},{"sentences":[{"text":"And do you know roughly sort of what your outgoing is versus what your savings is looking like at the moment?","start":316.69,"end":321.75,"sentiment":"neutral","sentiment_score":-0.006832758053427651},{"text":"Yeah.","start":331.425,"end":331.905,"sentiment":"neutral","sentiment_score":-0.028982624411582947},{"text":"No.","start":331.905,"end":332.145,"sentiment":"neutral","sentiment_score":-0.11203011870384216},{"text":"I completely understand.","start":332.145,"end":333.105,"sentiment":"neutral","sentiment_score":-0.09915899236996968},{"text":"Well, the cost of fuel is definitely not getting any cheaper at the moment, so it's probably gonna swing the other way a little bit.","start":333.105,"end":338.325,"sentiment":"neutral","sentiment_score":-0.17487035185098648}],"sentiment":"neutral","sentiment_score":-0.09713208697297994,"num_words":51,"start":316.69,"end":338.325},{"sentences":[{"text":"Perfect.","start":340.91,"end":341.41,"sentiment":"positive","sentiment_score":0.7221543788909912},{"text":"And then as far as, like, any sort of salary sacrifice or any other contributions to Super, have you thought about that?","start":342.27002,"end":346.83002,"sentiment":"neutral","sentiment_score":0.04075480980629271},{"text":"Is that something you sort of thought about in the future or not too interested in the moment?","start":346.83002,"end":350.685,"sentiment":"neutral","sentiment_score":-0.1297294617527061},{"text":"Right.","start":355.325,"end":355.825,"sentiment":"neutral","sentiment_score":0.05883650854229927},{"text":"And then with your employer, do you have any sort of, like, EBA that you're under or sort of agreement other than just your employment contract?","start":357.805,"end":364.54498,"sentiment":"neutral","sentiment_score":0.0012990587319319064}],"sentiment":"neutral","sentiment_score":-0.00917291296098162,"num_words":68,"start":340.91,"end":364.54498},{"sentences":[{"text":"Perfect.","start":368.16998,"end":368.66998,"sentiment":"neutral","sentiment_score":0.2537927031517029},{"text":"And I'll just update your assets and liabilities.","start":369.21,"end":371.05,"sentiment":"neutral","sentiment_score":0.12153087742626667},{"text":"So I know you got the house there.","start":371.05,"end":372.49,"sentiment":"neutral","sentiment_score":0.03809071960859001},{"text":"It's worth around the $2.60.","start":372.49,"end":373.69,"sentiment":"neutral","sentiment_score":0.021854553371667862},{"text":"Is that roughly the same, or is that yep.","start":373.69,"end":380.345,"sentiment":"neutral","sentiment_score":0.001891138032078743}],"sentiment":"neutral","sentiment_score":0.053453499631535624,"num_words":31,"start":368.16998,"end":380.345},{"sentences":[{"text":"So probably sitting around the $3.20 sort of maybe, Mark.","start":380.345,"end":383.48502,"sentiment":"neutral","sentiment_score":-0.044325635954737666},{"text":"Yeah.","start":390.68,"end":391.08,"sentiment":"neutral","sentiment_score":0.01614360697567463},{"text":"Exactly.","start":391.08,"end":391.58,"sentiment":"neutral","sentiment_score":0.01341636013239622},{"text":"And do you know roughly what your mortgage is going on that one at the moment?","start":391.88,"end":394.62,"sentiment":"neutral","sentiment_score":-0.010849044774658978},{"text":"$1.40 per week.","start":397.72,"end":399.1,"sentiment":"neutral","sentiment_score":-0.003749016876099631}],"sentiment":"neutral","sentiment_score":-0.019307359982649947,"num_words":31,"start":380.345,"end":399.1},{"sentences":[{"text":"And I know you had a there with around sort of the 30 mark with about 20 owing.","start":399.47998,"end":403.63998,"sentiment":"neutral","sentiment_score":-0.008879661560058594},{"text":"Is that sort of paid down a bit now?","start":403.63998,"end":406.325,"sentiment":"neutral","sentiment_score":-0.026649500967727766},{"text":"Perfect.","start":409.905,"end":410.385,"sentiment":"neutral","sentiment_score":0.3153749704360962},{"text":"And 60.","start":410.385,"end":417.36002,"sentiment":"neutral","sentiment_score":0.03882044553756714},{"text":"And do how much is left owing on that one?","start":417.36002,"end":419.62003,"sentiment":"neutral","sentiment_score":0.0014590239152312279}],"sentiment":"neutral","sentiment_score":0.0001981670968234539,"num_words":40,"start":399.47998,"end":419.62003},{"sentences":[{"text":"Perfect.","start":422.56003,"end":423.06003,"sentiment":"neutral","sentiment_score":0.27867427468299866},{"text":"And then I know you had a truck at one point.","start":423.28003,"end":425.36002,"sentiment":"neutral","sentiment_score":0.031486138701438904},{"text":"Do you still have that truck?","start":425.36002,"end":426.66,"sentiment":"neutral","sentiment_score":-0.004485546300808589},{"text":"Yeah.","start":429.775,"end":430.095,"sentiment":"neutral","sentiment_score":0.03369905427098274},{"text":"Not a problem.","start":430.095,"end":430.915,"sentiment":"neutral","sentiment_score":0.08571979155143102}],"sentiment":"neutral","sentiment_score":0.040407588705420494,"num_words":22,"start":422.56003,"end":430.915},{"sentences":[{"text":"And then I know you had about 3,000 worth of firearms.","start":431.215,"end":434.255,"sentiment":"neutral","sentiment_score":0.017287940125573765},{"text":"Is that still roughly the same?","start":434.255,"end":435.715,"sentiment":"neutral","sentiment_score":0.019088833903272946},{"text":"And with the new purchase, I know you had a decent chunk in savings.","start":438.175,"end":441.375,"sentiment":"neutral","sentiment_score":0.1098903731576034},{"text":"Do you still have a bit of a cash buffer in savings?","start":441.375,"end":444.115,"sentiment":"neutral","sentiment_score":0.04354579746723175},{"text":"Yep.","start":445.81998,"end":446.13998,"sentiment":"neutral","sentiment_score":0.02639235183596611}],"sentiment":"neutral","sentiment_score":0.05436607932841236,"num_words":44,"start":431.215,"end":446.13998},{"sentences":[{"text":"Do you know roughly what that's sitting at at the moment?","start":446.13998,"end":448.15997,"sentiment":"neutral","sentiment_score":-0.023300591686909847},{"text":"And is that an offset or just like a general savings account?","start":450.86,"end":453.68,"sentiment":"neutral","sentiment_score":0.019520000244180363},{"text":"Yep.","start":457.835,"end":458.155,"sentiment":"neutral","sentiment_score":0.2148268073797226},{"text":"And then with, obviously, everything that's going on or anything, when's the last time you sort of refinanced on your home or had a look at refinancing with the property increase value?","start":458.155,"end":467.45502,"sentiment":"neutral","sentiment_score":0.05886146752163768},{"text":"Yeah.","start":482.265,"end":482.665,"sentiment":"neutral","sentiment_score":0.026978295296430588}],"sentiment":"neutral","sentiment_score":0.036900097504258156,"num_words":57,"start":446.13998,"end":482.665},{"sentences":[{"text":"Obviously, with the the rates kind of going up at the moment, like, there's a good chance that it'll kind of keep going.","start":482.665,"end":488.745,"sentiment":"neutral","sentiment_score":-0.05110332537088138},{"text":"I don't know if you're on variable or on a fixed at the moment.","start":488.745,"end":491.485,"sentiment":"neutral","sentiment_score":-0.0739205681851932},{"text":"So if you did want to sort of have a look into it, you can sort of reach out.","start":495.15997,"end":498.03998,"sentiment":"neutral","sentiment_score":0.11831147262924596},{"text":"We can put you in touch with one of the mortgage brokers and just sort of see if they're sort of willing to offer any sort of fixed rates or any sort of terms.","start":498.03998,"end":505.72498,"sentiment":"neutral","sentiment_score":0.11718929789083846},{"text":"But, obviously, if the war sort of ends in a quickly sort of manner, there's a chance, like, in the future, the rates might drop again.","start":505.72498,"end":511.10498,"sentiment":"neutral","sentiment_score":-0.1414442747258223}],"sentiment":"neutral","sentiment_score":0.002970159717670899,"num_words":116,"start":482.665,"end":511.10498},{"sentences":[{"text":"It's sort of a bit up in the air, so I'm not too sure if you would wanna look at sort of fixing a term or not and things like that.","start":511.485,"end":517.105,"sentiment":"neutral","sentiment_score":-0.026559300442797043},{"text":"But it is an option if you do wanna sort of reach out and have a look at what that might look like.","start":517.245,"end":520.98,"sentiment":"neutral","sentiment_score":0.1241139552515486},{"text":"And then also if the, like, interest rate obviously goes up, you can sort of go to your current lender and talk about maybe an offset account and then putting your savings off on that to potentially offset your debt instead of, like, accruing the interest depending on what your interest you're getting versus what the current rate of your home loan gets to to sort of ease the the repayments there.","start":523.69995,"end":543.735,"sentiment":"neutral","sentiment_score":0.19333644790781868},{"text":"You wouldn't be getting your interest, but you'd be offsetting, you know, $40 of your your home loans.","start":543.735,"end":547.815,"sentiment":"neutral","sentiment_score":-0.22006592899560928},{"text":"You're only paying interest on a $100 worth of that.","start":547.815,"end":550.47,"sentiment":"neutral","sentiment_score":-0.16059051156044007}],"sentiment":"neutral","sentiment_score":0.06743126668114602,"num_words":154,"start":511.485,"end":550.47},{"sentences":[{"text":"Yeah.","start":555.50995,"end":555.91,"sentiment":"neutral","sentiment_score":0.10181154310703278},{"text":"So it's a bit of an option depending on, you know, obviously, the interest rate doesn't always keep sort of par with what mortgage rates might jump to.","start":555.91,"end":562.31,"sentiment":"neutral","sentiment_score":0.03761070368013212},{"text":"So it's just something to be mindful of that you can sort of do as part of that.","start":562.31,"end":565.785,"sentiment":"neutral","sentiment_score":0.08221256153451072},{"text":"And as far as anything else that sort of haven't mentioned, any caravans, you know, boats, things like that that you've got at the moment?","start":567.70496,"end":573.40497,"sentiment":"neutral","sentiment_score":0.02829763449728489},{"text":"Not a problem.","start":577.88,"end":578.62,"sentiment":"neutral","sentiment_score":0.0634337067604065}],"sentiment":"neutral","sentiment_score":0.04709972448647022,"num_words":75,"start":555.50995,"end":578.62},{"sentences":[{"text":"And there's a few questions here that are a bit random, but just haven't been on the questions previously.","start":578.76,"end":583.0,"sentiment":"neutral","sentiment_score":0.008022844791412354},{"text":"But have you ever declared bankruptcy previously?","start":583.0,"end":585.18,"sentiment":"neutral","sentiment_score":-0.018778626141803607},{"text":"Yep.","start":587.08,"end":587.48,"sentiment":"neutral","sentiment_score":-0.0011169153731316328},{"text":"And are you a tax resident for any other foreign jurisdiction or anywhere else?","start":587.48,"end":591.26,"sentiment":"neutral","sentiment_score":-0.011340899259916373},{"text":"Like a tax resident anywhere else outside of Australia?","start":593.555,"end":595.815,"sentiment":"neutral","sentiment_score":-0.020882420241832733}],"sentiment":"neutral","sentiment_score":-0.0065369523828849195,"num_words":50,"start":578.76,"end":595.815},{"sentences":[{"text":"I mean and you're not involved in any sort of politics or any family in politics or anything like that?","start":598.435,"end":603.33,"sentiment":"neutral","sentiment_score":-0.09777964409440756},{"text":"Perfect.","start":605.33,"end":605.83,"sentiment":"neutral","sentiment_score":-0.11919640004634856},{"text":"And as far as smoking, nonsmoke, you're still nonsmoking?","start":606.45,"end":608.95,"sentiment":"neutral","sentiment_score":-0.04638594595922364},{"text":"I mean, as far as, like, your health, how's that been for the last sort of twelve to eighteen months there?","start":610.85004,"end":615.25,"sentiment":"neutral","sentiment_score":0.010056962259113789},{"text":"No injuries or any medications currently?","start":615.25,"end":617.35004,"sentiment":"neutral","sentiment_score":-0.029039640290041763}],"sentiment":"neutral","sentiment_score":-0.04307551631344515,"num_words":57,"start":598.435,"end":617.35004},{"sentences":[{"text":"Perfect.","start":619.71497,"end":620.035,"sentiment":"neutral","sentiment_score":0.17881031334400177},{"text":"And do you hold private health cover at the moment?","start":620.035,"end":622.055,"sentiment":"neutral","sentiment_score":0.03072323612868786},{"text":"Perfect.","start":624.915,"end":625.235,"sentiment":"neutral","sentiment_score":0.1256958395242691},{"text":"Is that, like, hospitals and extras?","start":625.235,"end":627.175,"sentiment":"neutral","sentiment_score":0.046424237390359245},{"text":"Perfect.","start":632.20996,"end":632.70996,"sentiment":"neutral","sentiment_score":0.26525819301605225}],"sentiment":"neutral","sentiment_score":0.06081800692175564,"num_words":19,"start":619.71497,"end":632.70996},{"sentences":[{"text":"And then as far as the will and a power of attorney, things like that, have you done anything in regards to your estate planning recently?","start":633.33,"end":638.55,"sentiment":"neutral","sentiment_score":0.0595192641306382},{"text":"Perfect.","start":645.025,"end":645.34503,"sentiment":"neutral","sentiment_score":0.26723170280456543},{"text":"And did you do, like, a power of attorney with in conjunction with that?","start":645.34503,"end":648.325,"sentiment":"neutral","sentiment_score":0.08594752315964017},{"text":"Brilliant.","start":651.185,"end":651.505,"sentiment":"positive","sentiment_score":0.34680598974227905},{"text":"That's what we like to hear.","start":651.505,"end":652.885,"sentiment":"positive","sentiment_score":0.36558393637339276}],"sentiment":"neutral","sentiment_score":0.11579807296705742,"num_words":48,"start":633.33,"end":652.885},{"sentences":[{"text":"And I'll just double check-in regards to your account there.","start":653.185,"end":657.0,"sentiment":"neutral","sentiment_score":0.150917187333107},{"text":"So I'm just double checking to see if there's any beneficiaries on your current account.","start":664.1,"end":668.6,"sentiment":"neutral","sentiment_score":0.10458369801441829},{"text":"Yep.","start":681.12994,"end":681.37,"sentiment":"neutral","sentiment_score":0.19557611644268036},{"text":"And I've got Billy Kaye and Oliver Andrew Schmidt as your beneficiaries at the moment.","start":681.37,"end":688.18994,"sentiment":"neutral","sentiment_score":0.19642858902613322},{"text":"Yep.","start":694.105,"end":694.605,"sentiment":"neutral","sentiment_score":0.1605658382177353}],"sentiment":"neutral","sentiment_score":0.15191662222856567,"num_words":42,"start":653.185,"end":694.605},{"sentences":[{"text":"So with that, just given that you sort of are separated now that, like, is a chance that, like, sort of still being your spouse, that is fine or sort of, you know, if you are providing financial support to her and, obviously, for your child that it can be like an interdependent relationship with not being sort of currently together.","start":695.545,"end":715.59,"sentiment":"neutral","sentiment_score":0.14690273029149556},{"text":"The spouse sort of title is a bit could be gone anyway because spouses generally get the the funds as a tax free distribution, whereas, you know, interdependent, there may still be some tax applied and things like that.","start":715.65,"end":730.025,"sentiment":"neutral","sentiment_score":-0.11372423888399051},{"text":"So that's just something to be mindful of.","start":730.16504,"end":732.10504,"sentiment":"neutral","sentiment_score":-0.006090867333114147},{"text":"But if you are supporting her financially, she does form part of, like, the independent relationship, so can still be on the form.","start":732.245,"end":738.23004,"sentiment":"neutral","sentiment_score":0.2609418164128843},{"text":"The other way is you can leave it to the will, and it gets taxed a bit differently going to the will, and then it can be distributed that way as well.","start":738.37,"end":745.59,"sentiment":"neutral","sentiment_score":0.14610065892338753}],"sentiment":"neutral","sentiment_score":0.09296918500420506,"num_words":163,"start":695.545,"end":745.59},{"sentences":[{"text":"Also, once your child does hit 18, they also are no longer a tax dependent if you're not supporting them financially, and they also can get taxed and no longer tax dependent and don't receive those funds tax free generally as well.","start":745.65,"end":758.305,"sentiment":"neutral","sentiment_score":0.07515366007352159},{"text":"Just something to be mindful of.","start":759.885,"end":761.585,"sentiment":"neutral","sentiment_score":-0.0059916296352942764},{"text":"Perfect.","start":763.325,"end":763.825,"sentiment":"positive","sentiment_score":0.6335212588310242},{"text":"Now in regards to your goals and what you're trying to achieve, I know you were just sort of looking at paying down that mortgage and looking at investment property in the future.","start":765.55,"end":772.19,"sentiment":"neutral","sentiment_score":0.3251342511538303},{"text":"Is that sort of still the the main goal?","start":772.19,"end":774.12994,"sentiment":"neutral","sentiment_score":0.29414748814370895}],"sentiment":"neutral","sentiment_score":0.18825036137886755,"num_words":91,"start":745.65,"end":774.12994},{"sentences":[{"text":"Yep.","start":775.70996,"end":776.02997,"sentiment":"neutral","sentiment_score":0.2170889377593994},{"text":"Do you have any short term goals that you're working towards at the moment?","start":776.02997,"end":778.845,"sentiment":"neutral","sentiment_score":0.25046275343213764},{"text":"Yeah.","start":783.08496,"end":783.32495,"sentiment":"neutral","sentiment_score":0.04878450557589531},{"text":"It's definitely not getting any cheaper at the moment with everything going on, which is a bit unfortunate.","start":783.32495,"end":790.46497,"sentiment":"negative","sentiment_score":-0.5233390132586161},{"text":"Yeah.","start":791.485,"end":791.985,"sentiment":"neutral","sentiment_score":-0.10311561822891235}],"sentiment":"neutral","sentiment_score":-0.1643104532999652,"num_words":35,"start":775.70996,"end":791.985},{"sentences":[{"text":"The wage increases really aren't sort of keeping pace even with what the cost of living is going up each year.","start":792.57996,"end":798.82,"sentiment":"neutral","sentiment_score":-0.2464441642874763},{"text":"So just everyone's getting a bit more each year, so it's a bit rough.","start":798.82,"end":802.27997,"sentiment":"neutral","sentiment_score":-0.220027287623712},{"text":"But we will go through a quick risk profile questionnaire and just make sure that's in line with what we currently got you invested in.","start":805.265,"end":810.885,"sentiment":"neutral","sentiment_score":0.07448937103152276},{"text":"Now have you done any direct share investments since we last sort of spoke at all there?","start":811.585,"end":815.60504,"sentiment":"neutral","sentiment_score":0.026484915329252973},{"text":"Yep.","start":817.75995,"end":818.07996,"sentiment":"neutral","sentiment_score":-0.004417728632688522}],"sentiment":"neutral","sentiment_score":-0.07625191498738833,"num_words":78,"start":792.57996,"end":818.07996},{"sentences":[{"text":"No.","start":818.07996,"end":818.31995,"sentiment":"neutral","sentiment_score":-0.06954175233840942},{"text":"That's perfectly fine.","start":818.31995,"end":819.54,"sentiment":"neutral","sentiment_score":0.165193110704422},{"text":"Are we still investing that long term?","start":819.92,"end":821.51996,"sentiment":"neutral","sentiment_score":0.09533069868172918},{"text":"But are you considering yourself still a bit of a higher risk taker there in terms of, like, the risk reward?","start":821.51996,"end":826.74,"sentiment":"neutral","sentiment_score":-0.02038024969044186},{"text":"Yep.","start":827.43994,"end":827.93994,"sentiment":"neutral","sentiment_score":0.16223135590553284}],"sentiment":"neutral","sentiment_score":0.0250787449379762,"num_words":33,"start":818.07996,"end":827.93994},{"sentences":[{"text":"Perfect.","start":829.935,"end":830.33496,"sentiment":"positive","sentiment_score":0.3481041491031647},{"text":"And then if within six months, like, your portfolio decreased by 20% just due to, like, the general market trends, like, with everything going on the war and everything like that, would you still hold and wait for that improve?","start":830.33496,"end":840.255,"sentiment":"neutral","sentiment_score":-0.015010657580569386},{"text":"Would you wanna look at sort of minimizing that by going to some more conservative assets or still, like, keep investing for growth?","start":840.255,"end":852.5,"sentiment":"neutral","sentiment_score":-0.02475657346455947},{"text":"Perfect.","start":854.14,"end":854.64,"sentiment":"neutral","sentiment_score":0.30169302225112915},{"text":"And then within regards to, like, it dropping, did that make you a little bit cautious or you sort of just, like, bit out of sight out of mind with how long you got till retirement?","start":855.18,"end":863.485,"sentiment":"neutral","sentiment_score":-0.03891505109560159}],"sentiment":"neutral","sentiment_score":-0.019019526346485214,"num_words":101,"start":829.935,"end":863.485},{"sentences":[{"text":"Yep.","start":872.2,"end":872.44,"sentiment":"neutral","sentiment_score":0.03875195607542992},{"text":"Not a problem.","start":872.44,"end":873.26,"sentiment":"neutral","sentiment_score":0.12425810098648071},{"text":"And then as far as borrowed money, I know you said you invested in investment property, but do you ever put borrowed money into anything else?","start":873.39996,"end":878.45996,"sentiment":"neutral","sentiment_score":0.014853975234123377},{"text":"Not a problem.","start":888.135,"end":888.955,"sentiment":"positive","sentiment_score":0.3795353372891744},{"text":"So it does still bring out as a growth investor, which is what your current portfolio is.","start":889.09503,"end":892.615,"sentiment":"positive","sentiment_score":0.500930691466612}],"sentiment":"neutral","sentiment_score":0.20904314763844012,"num_words":50,"start":872.2,"end":892.615},{"sentences":[{"text":"So currently about 8% in those growth assets and about 20% in those defensive assets, if that still makes sense.","start":892.615,"end":900.01,"sentiment":"positive","sentiment_score":0.3494256228208542},{"text":"Yeah.","start":901.19,"end":901.43,"sentiment":"neutral","sentiment_score":0.1821690946817398},{"text":"So given your time till retirement, you obviously still got quite a number of years until you hit your retirement years so you can take on that level of risk and even sort of more if you wanted to, but sort of growth is sort of that nice middle ground there with the eight percent growth, 20% defensive.","start":901.43,"end":916.695,"sentiment":"neutral","sentiment_score":0.20754295960068703},{"text":"Now, obviously, in regards to the last twelve months, it hasn't been too crash hot because the tariff talk at the start of the year recovered from that.","start":916.91504,"end":924.21,"sentiment":"neutral","sentiment_score":-0.309819060909961},{"text":"And then, obviously, with the war, it's taken another bit of a dive in terms of, like, the superannuation balance.","start":924.29004,"end":929.03,"sentiment":"negative","sentiment_score":-0.35717851892113683}],"sentiment":"neutral","sentiment_score":0.02669030806328368,"num_words":127,"start":892.615,"end":929.03},{"sentences":[{"text":"Now given that you do have such a large holding towards Venilon, which is an actively managed fund, around 26% and everything that did occur, they also had an underlying investment that wasn't reporting correctly.","start":929.97003,"end":942.365,"sentiment":"neutral","sentiment_score":-0.09994141193372863},{"text":"So they got done for some dodgy accounting.","start":942.365,"end":944.46497,"sentiment":"negative","sentiment_score":-0.3480735942721367},{"text":"And then as a result, Benelon had to reevaluate that stock, and then their funds sort of dropped in relation to that plus the war as well.","start":944.685,"end":951.185,"sentiment":"neutral","sentiment_score":-0.30792608581207415},{"text":"Now given your time on board, we could possibly look to updating your portfolio to making sure that moving forward if that doesn't sort of happen.","start":951.485,"end":962.78,"sentiment":"neutral","sentiment_score":-0.04041573319297571},{"text":"Now within regards to that one, I'm not too sure if you got your email up in front of you there of those reports, but we can look to do a bit of an update to see if we can put you in a bit of a better position to diversify a little bit better away from such a key holding in those actively managed funds, or we can to put you in sort of a more passive index approach, which is cheaper overall.","start":962.78,"end":983.86,"sentiment":"neutral","sentiment_score":-0.029480477174123127}],"sentiment":"neutral","sentiment_score":-0.10068728685792949,"num_words":180,"start":929.97003,"end":983.86},{"sentences":[{"text":"Still has, like, the same allocation to, like, growth assets, but you don't have those active fund managers trying to outperform the market.","start":984.32,"end":990.56,"sentiment":"neutral","sentiment_score":0.040533731246124145},{"text":"You're just sort of tracking what the indexes are doing.","start":990.56,"end":992.655,"sentiment":"neutral","sentiment_score":0.17849117517471313},{"text":"Now with that, it's obviously lower cost over a longer term period as well.","start":994.255,"end":997.79504,"sentiment":"positive","sentiment_score":0.48703949792044504},{"text":"They generally tend to track better than those actively managed funds because, you know, they have a few really good years and then sometimes some bad years.","start":997.85504,"end":1004.97504,"sentiment":"neutral","sentiment_score":0.32325692750789503},{"text":"I see a lot more volatility, much like what's happened with Venlo.","start":1004.97504,"end":1007.715,"sentiment":"neutral","sentiment_score":-0.2616087719798088}],"sentiment":"neutral","sentiment_score":0.17586479442150788,"num_words":86,"start":984.32,"end":1007.715},{"sentences":[{"text":"Now, normally, you wouldn't sort of, you know, wanna sell low and buy it higher.","start":1008.24,"end":1012.66,"sentiment":"neutral","sentiment_score":-0.1595695068438848},{"text":"But given what did occur with Benelung, the investment committee wants to move away from them moving forward anyway.","start":1013.12,"end":1018.42,"sentiment":"negative","sentiment_score":-0.35319539512458603},{"text":"So that's just the business decision to move away from that specific actively managed fund.","start":1019.12,"end":1023.20496,"sentiment":"negative","sentiment_score":-0.3654070576032003},{"text":"That's not to say you can't still remain some portion inactive, but moving forward, they would be looking to update that and get rid of that one at least and maybe update a few other things as well with the losses to offset those changes with the the loss to make sure you're not paying too much capital gains with any switches we do make.","start":1023.20496,"end":1040.79,"sentiment":"neutral","sentiment_score":-0.24366721688554838},{"text":"Now would you still wanna look to have, like, an active portion in your superannuation, or would you feel like you'd sort of be comfortable with the more passive approach that's a bit cheaper?","start":1042.6901,"end":1050.9501,"sentiment":"neutral","sentiment_score":0.09701030646615169}],"sentiment":"neutral","sentiment_score":-0.18327959224178986,"num_words":148,"start":1008.24,"end":1050.9501},{"sentences":[{"text":"Yeah.","start":1056.9349,"end":1057.1749,"sentiment":"neutral","sentiment_score":0.09010575711727142},{"text":"So, obviously, you just have a little bit less risk at the same amount of exposure to growth assets.","start":1057.1749,"end":1061.735,"sentiment":"neutral","sentiment_score":0.057717521527880115},{"text":"So you sort of track what the market's doing.","start":1061.735,"end":1063.735,"sentiment":"neutral","sentiment_score":0.11382557700077693},{"text":"Now we see for the next sort of three to six months, it might not do great in terms of the fact that with the war going on, but that's the market as a whole.","start":1063.735,"end":1071.9099,"sentiment":"neutral","sentiment_score":-0.23463616796902248},{"text":"And in that time period too, it's a lot harder to pick the sort of winners and losers as well.","start":1071.9099,"end":1076.09,"sentiment":"neutral","sentiment_score":-0.2712604716420174}],"sentiment":"neutral","sentiment_score":-0.13602745776907318,"num_words":84,"start":1056.9349,"end":1076.09},{"sentences":[{"text":"If a fund does, obviously, you know, you get a lot more growth out of that in that time period, but then also they're picking and losing much like what Benelon did.","start":1076.71,"end":1083.795,"sentiment":"neutral","sentiment_score":-0.19081621267832816},{"text":"It's a lot that can sort of go wrong and sort of decrease in terms of that with the volatility that is going around at the moment.","start":1083.935,"end":1089.395,"sentiment":"negative","sentiment_score":-0.39926977841942396},{"text":"Perfect.","start":1091.215,"end":1091.715,"sentiment":"positive","sentiment_score":0.42017626762390137},{"text":"Now in regards to that, in regards to your income and with your life insurance and income protection and total permanent disability, have you had a look at those with the renewal and had a look and see if you're happy with that?","start":1093.3099,"end":1105.15,"sentiment":"neutral","sentiment_score":0.09936479998882426},{"text":"Or yeah.","start":1105.15,"end":1111.4651,"sentiment":"neutral","sentiment_score":0.054141804575920105}],"sentiment":"neutral","sentiment_score":-0.11509768139748346,"num_words":105,"start":1076.71,"end":1111.4651},{"sentences":[{"text":"So you've got about $2.90 in terms of life cover and same with the total parent disability, which given your current level of debt would go clear the debt and have a little bit extra on top of that plus whatever your superannuation balance is.","start":1111.4651,"end":1122.64,"sentiment":"neutral","sentiment_score":0.011773088326056799},{"text":"Now in terms of, like, if you were never able to work again in the TPD side of things, given that you're quite young still, it might be sort of a little bit underinsured in terms of, like, you know, if you couldn't earn an income moving forward, if you did suffer a significant issue, it just means once you've paid off your debt and everything and sort of run out of that money, you just have to rely on some form of, like, government assistance programs, things like that as well.","start":1122.78,"end":1144.315,"sentiment":"neutral","sentiment_score":-0.15669853547992912},{"text":"Yeah.","start":1146.215,"end":1146.5349,"sentiment":"neutral","sentiment_score":-0.021260391920804977},{"text":"Otherwise, you'd sort of if you want to replace your income for, you know, that ten plus years, given your age, you'd be looking sort of closer to, like, a million dollars worth of cover and trying to, you know, cover the longer term.","start":1146.5349,"end":1156.69,"sentiment":"neutral","sentiment_score":-0.09703233025290749},{"text":"But that's to say you are paying a higher price for that, and then, you know, there's no sort of guarantee you're ever gonna claim on that with that.","start":1156.99,"end":1163.745,"sentiment":"neutral","sentiment_score":-0.17188816132216617}],"sentiment":"neutral","sentiment_score":-0.10977211322688378,"num_words":211,"start":1111.4651,"end":1163.745},{"sentences":[{"text":"Got it.","start":1163.745,"end":1166.125,"sentiment":"neutral","sentiment_score":-0.0012117363512516022},{"text":"Perfect.","start":1167.505,"end":1167.905,"sentiment":"positive","sentiment_score":0.3835874795913696},{"text":"And then we get slight income increase there as well.","start":1167.905,"end":1171.265,"sentiment":"neutral","sentiment_score":0.15571048334240914},{"text":"Your income protection could be probably a little bit higher in terms of that the monthly cover amount Given that you can cover for up to 70% of your your current income, you're currently coming for around 4,900 as a monthly benefit that can that is taxed as well.","start":1171.265,"end":1187.36,"sentiment":"neutral","sentiment_score":0.12327663896947491},{"text":"That's like a pretax figure.","start":1187.42,"end":1189.6001,"sentiment":"neutral","sentiment_score":0.14080028235912323}],"sentiment":"neutral","sentiment_score":0.1295944113673559,"num_words":67,"start":1163.745,"end":1189.6001},{"sentences":[{"text":"And 70% of your current income would be around the sort of $52.50 mark, so 5,250 in terms of, like, a monthly benefit amount you could cover for.","start":1190.855,"end":1199.5951,"sentiment":"neutral","sentiment_score":0.16620871052145958},{"text":"Now within regards to that, you can look to do with Clearview a 15% increase with in regards to your current policy, which would obviously increase the price as well.","start":1199.735,"end":1210.96,"sentiment":"neutral","sentiment_score":0.20088822493950526},{"text":"It would sort of mean that you're looking to increase your current amount based on your payslips and income increase up by 15% with the future increase and your pay increase that you did have.","start":1210.96,"end":1221.46,"sentiment":"neutral","sentiment_score":0.25135299222809926},{"text":"But, obviously, if you're comfortable with the cover amount, given that, you know, your your mortgage probably isn't a huge amount, if you can survive off that, you don't have to increase it.","start":1222.4651,"end":1231.665,"sentiment":"neutral","sentiment_score":0.25479327164816135},{"text":"It's just something you can do with that income increase if you've sort of increased your living lifestyle with that increase as well, if that makes sense.","start":1231.665,"end":1241.47,"sentiment":"positive","sentiment_score":0.34842044446203446}],"sentiment":"neutral","sentiment_score":0.2437475512132925,"num_words":153,"start":1190.855,"end":1241.47},{"sentences":[{"text":"Yeah.","start":1253.305,"end":1253.625,"sentiment":"neutral","sentiment_score":0.2703784108161926},{"text":"Obviously, you can look at sort of changing that in the future.","start":1253.625,"end":1256.505,"sentiment":"neutral","sentiment_score":0.2708957369128863},{"text":"And then even sort of next year, you can look to sort of do that 15% increase to give you that bump up because currently, sort of now, if you did the 15%, it sort of it's up to the amount that you cut, like, 70% or, like, to the max 15% each year.","start":1256.505,"end":1273.46,"sentiment":"neutral","sentiment_score":0.23662386972595145},{"text":"And even then, like, 15% of your current policy, it would sort of go up to where your current needs would be and then some.","start":1273.46,"end":1280.825,"sentiment":"neutral","sentiment_score":0.21667888620868325},{"text":"So even if you look to do it next year, if you feel like you might need that with the cost of living increasing, you can look to do that next year as well.","start":1280.825,"end":1287.24,"sentiment":"neutral","sentiment_score":0.2268961440114414}],"sentiment":"neutral","sentiment_score":0.23357347040141505,"num_words":126,"start":1253.305,"end":1287.24},{"sentences":[{"text":"The only other thing insurance that you don't have is trauma cover.","start":1290.04,"end":1292.6799,"sentiment":"neutral","sentiment_score":0.12642410025000572},{"text":"Not too sure how much you remember about trauma, but I just sort of mentioned it that you don't still have that cover, which is it's a lump sum payment you pay for outside of superannuation.","start":1292.6799,"end":1301.02,"sentiment":"neutral","sentiment_score":0.10401127052803834},{"text":"It's gonna be paid out of pocket, and it's covering for things like heart attacks, strokes, those sort of conditions just to, like, sort of bridge the gap between income protection and total permanent disability.","start":1301.16,"end":1310.385,"sentiment":"neutral","sentiment_score":0.11451973840594291},{"text":"It's not something you have to have, but it's just to be mindful that you don't have that cover.","start":1311.725,"end":1315.47,"sentiment":"neutral","sentiment_score":-0.04977821612632588},{"text":"And given those conditions, sort of, you may not fall under an IP claim or a TPD claim.","start":1315.63,"end":1319.97,"sentiment":"neutral","sentiment_score":-0.043688014356626406}],"sentiment":"neutral","sentiment_score":0.06281262851164987,"num_words":120,"start":1290.04,"end":1319.97},{"sentences":[{"text":"It's just something yeah.","start":1320.4299,"end":1321.7899,"sentiment":"neutral","sentiment_score":0.06314444076269865},{"text":"A bit obviously, trauma insurance sort of bridges the gap with those other conditions.","start":1321.7899,"end":1325.3099,"sentiment":"neutral","sentiment_score":0.03943374912653651},{"text":"If you got diagnosed with, you know, some form of cancer, you may not sort of instantly be off work, but you may wanna take some time off.","start":1325.3099,"end":1331.255,"sentiment":"neutral","sentiment_score":-0.07179610936769418},{"text":"That's the sort of traumatic event that it covers in the event of.","start":1331.255,"end":1334.635,"sentiment":"neutral","sentiment_score":-0.08096387466559044},{"text":"But if you're happy with the current cover, going back to underwriting just for trauma can be a little bit of a hassle, but then also that's just more stuff you with the time and going through the process of applying and underwriting.","start":1336.295,"end":1346.87,"sentiment":"neutral","sentiment_score":-0.08811431837289832}],"sentiment":"neutral","sentiment_score":-0.059285165413337594,"num_words":102,"start":1320.4299,"end":1346.87},{"sentences":[{"text":"But if you did wanna look at change your insurance covers, if you did sort of take on a bit more debt with a different property and things like that as well, increasing your primary residence size, things like that, all that debt, we could look to revisit it all as a whole as well.","start":1347.65,"end":1360.955,"sentiment":"neutral","sentiment_score":0.03213089697740295},{"text":"But currently, you're happy sort of just not having trauma insurance, or is it something you would wanna look at?","start":1363.8949,"end":1368.855,"sentiment":"neutral","sentiment_score":0.12347587067633867},{"text":"Yeah.","start":1368.855,"end":1369.355,"sentiment":"neutral","sentiment_score":0.022035177797079086},{"text":"Perfect.","start":1372.51,"end":1373.01,"sentiment":"neutral","sentiment_score":0.1404561698436737},{"text":"Now as far as the performance for the last twelve months too with how things are traveling, it did around negative 1.77 given you have the higher allocation to that bed along fund.","start":1373.23,"end":1383.01,"sentiment":"neutral","sentiment_score":-0.24348146784486194}],"sentiment":"neutral","sentiment_score":-0.033051639490506865,"num_words":110,"start":1347.65,"end":1383.01},{"sentences":[{"text":"The rest of your portfolio, there are only a couple others that did underperform, but based on the fact that you have such a high allocation in that Bennelong is the reason that it did so poorly.","start":1384.1849,"end":1392.6849,"sentiment":"negative","sentiment_score":-0.3745805766131427},{"text":"A lot of it was propped up by some of your other investments, so it could have been a lot worse.","start":1393.7849,"end":1397.625,"sentiment":"negative","sentiment_score":-0.41052902880169095},{"text":"But then, obviously, the markets as a whole are down a little bit at the moment as well within regards to that, but we will look at that update for you if that makes sense moving forward.","start":1397.625,"end":1405.74,"sentiment":"neutral","sentiment_score":-0.12354230175952653},{"text":"Perfect.","start":1407.72,"end":1408.22,"sentiment":"positive","sentiment_score":0.3449137806892395},{"text":"But do you have any other questions in regards to any of that today, Dwayne, or any of the documents provided or your ongoing service agreement?","start":1408.36,"end":1414.8351,"sentiment":"neutral","sentiment_score":0.08527506572695878}],"sentiment":"neutral","sentiment_score":-0.2007343493035582,"num_words":122,"start":1384.1849,"end":1414.8351},{"sentences":[{"text":"As an estimated fee based on your balance will be around the 1,300 mark.","start":1417.295,"end":1421.4551,"sentiment":"neutral","sentiment_score":0.08751041761466435},{"text":"It's like that sort of each month as a proportion across the twelve months based on that 1.65% just as what you're agreeing to there.","start":1421.4551,"end":1429.2001,"sentiment":"neutral","sentiment_score":0.07966981932520867},{"text":"So make sure you have a read of that, make sure you're happy with that in regards to fee you are signing and the service.","start":1429.2001,"end":1434.4,"sentiment":"neutral","sentiment_score":0.1408838027715683},{"text":"But in saying that, they have updated that ongoing service agreement and financial services guide to have a look at that.","start":1434.4,"end":1440.1001,"sentiment":"neutral","sentiment_score":0.09047333381715275},{"text":"And you can sort of, at any point, opt out.","start":1440.4,"end":1442.7749,"sentiment":"neutral","sentiment_score":0.08159366101026536}],"sentiment":"neutral","sentiment_score":0.09952487388723776,"num_words":95,"start":1417.295,"end":1442.7749},{"sentences":[{"text":"So there's no sort of fear of lock in if you ever wanted to leave in the middle of your sort of contract or service agreement.","start":1442.7749,"end":1449.195,"sentiment":"neutral","sentiment_score":0.005745191413622636},{"text":"Perfect.","start":1451.255,"end":1451.755,"sentiment":"positive","sentiment_score":0.3684347867965698},{"text":"Do you have anything for me before I let you go there, Dylan?","start":1451.975,"end":1454.79,"sentiment":"neutral","sentiment_score":0.10681238827797082},{"text":"Perfect.","start":1457.67,"end":1458.0701,"sentiment":"positive","sentiment_score":0.4140957593917846},{"text":"No worries.","start":1458.0701,"end":1458.63,"sentiment":"neutral","sentiment_score":0.19424685835838318}],"sentiment":"neutral","sentiment_score":0.06299907644820768,"num_words":43,"start":1442.7749,"end":1458.63},{"sentences":[{"text":"Well, I'll get a start on that note and everything like that, and then we'll be in touch once they've sort of put that together to be able to update that portfolio for you moving forward.","start":1458.63,"end":1466.9701,"sentiment":"neutral","sentiment_score":0.2392235261698564},{"text":"But you largely haven't had any issues with Hub itself or the platform or accessing it or generating any reports and things like that?","start":1468.9651,"end":1476.425,"sentiment":"neutral","sentiment_score":-0.17730400835474333},{"text":"Not a problem at all.","start":1479.3,"end":1480.4401,"sentiment":"neutral","sentiment_score":0.15481258928775787},{"text":"Well, if you don't have anything for me, I'll let you get back to your day.","start":1480.5,"end":1482.7401,"sentiment":"neutral","sentiment_score":0.15405418211594224},{"text":"Thanks for your time.","start":1482.7401,"end":1483.3801,"sentiment":"positive","sentiment_score":0.5456142127513885}],"sentiment":"neutral","sentiment_score":0.11503691121059305,"num_words":85,"start":1458.63,"end":1483.3801},{"sentences":[{"text":"I'm sure we'll be in touch shortly.","start":1483.3801,"end":1485.0,"sentiment":"neutral","sentiment_score":0.2231403248650687},{"text":"No problem, Dwight.","start":1487.14,"end":1487.8601,"sentiment":"positive","sentiment_score":0.3953562577565511},{"text":"Enjoy the rest of your day.","start":1487.8601,"end":1488.66,"sentiment":"positive","sentiment_score":0.5753459433714548},{"text":"Thanks.","start":1488.66,"end":1489.06,"sentiment":"positive","sentiment_score":0.43240612745285034},{"text":"Bye.","start":1489.06,"end":1489.56,"sentiment":"positive","sentiment_score":0.4086276888847351}],"sentiment":"positive","sentiment_score":0.39117558466063607,"num_words":18,"start":1483.3801,"end":1489.56}]}}]},{"alternatives":[{"transcript":"Hello? Good, mate. How are you? Yeah. Yep. Yep. Not a problem. Yep. 21st August 95 And 142 Railway Terrace Point Pass. Yep. Alright. Yeah. That's the one. Yep. Yeah. No worries. Yes. I do. Yep. Yep. That's correct. No. Still the same. I don't know. I have to think about that. No. That's right. Yeah. I was thinking about that one. Correct. Yep. No. It's different now. Vauxhall Family Trading Trust. It's it goes under. Yeah. B o b o x a, double l, Family Trading Trust. No. Still the same. Still farming. Yep. You've got 50. Roughly 50 out of the way. No. So just flat. Right? What have you got down? I think I'd give the Kempson. Yeah. Probably everything you've got already. Yeah. Nothing really changed. I've just updated it. No. No. This job or the job in general? I found in general. I've done it my well, since I left since I was old enough to do it. Been a whole lot, actually. Yes. That's right. Yeah. Setting up the school, and then, yeah, once I left school, I've heard you went into farming, and that was it. Yeah. June, I started here. Not off the top. It'd be at least 90. Yeah. With the old way everything's going, it's nearly half. Half comes in and half goes out straight away. No. No. Yeah. Exactly. No. I think I'm pretty right at the moment. Yeah. No. Just not even going on contract. That value would have gone up here. Yeah. Yeah. $3.20 to $3.50, something like that. Just with land value, I mean, the way it is now and housing here. Yeah. 140. Yeah. I own that completely now. Yep. And then I bought another one last year that was, like, in front of new ranges. That was $60. Nothing. I bought it outright. No. No. I got rid of that. Yep. That's about right. Yes. 42. I like incentive saver. Yeah. I did a one of those health checks on my mortgage not long ago, but they couldn't offer me anything else. I didn't look at refinancing anything. I just looked trying to get better rate. So it's the refinance. I haven't looked at any of that. Yeah. Variable. Yeah. Yeah. That's right. Yeah. Okay. No worries. Yes. Yeah. They did talk about doing something like that. So, yeah, that's something I have kept in mind. Yeah. Yep. No. Nothing on that. No. No. What? Sorry. Oh, no. No. Nope. Not smoking. Yep. No. No. All good. Yes. Yeah. That's correct. Yep. Yes. I did a wheel the six months ago, I suppose. Yeah. Yes. Yep. Oh, yes. Yep. So that's, yeah. That's my lads or lads mother. Yeah. Yep. Yep. Okay. Yep. Yes. Yep. Just trying to conquer the cost of living here. So no. Not really. Yeah. Yeah. No. That's right. Yes. Exactly. No. No. Yes. Yep. Yeah. Yeah. That is what it is. It's gonna market's gonna go down and market will come back up again. So, yeah, keep playing on. Yeah. Pretty well. I don't even to be honest, I don't even look at it really. I might look once every couple of months if I think about it, but, yeah, I don't even really watch it. Maybe. Yeah. So I got involved in a business or something like that. Yeah. But other than that, probably just an investment property to start with. Yep. Yep. Yep. Yep. Yep. Yep. Yeah. I reckon, yeah, we'll go with a more passive approach. You reckon that's doing alright? I think we'll give it a go. Yeah. Yep. Yeah. I think I come through a little while ago. I had yeah. I don't know. Yeah. It looks fine. Yep. Yep. Oh, yeah. Righto. No. That's right. No. I think I'm pretty happy where it is at the moment. Yep. Oh, okay. Yep. Yep. Yep. Yeah. No. That's alright. That's all good. Yeah. That's probably not too bad. That'll yeah. As long as we cover the morning, you know, that'll cover the bills if they're anywhere to happen. So I don't think that wouldn't be that'd be alright for for now. Yep. Okay. Now it's cool. Ross. Okay. Got it. Yep. Okay. Yeah. No. I don't think so. I think it'll be alright for a minute here. Yep. Yeah. No worries. No. It all seems pretty good. Yeah. Yep. Oh, yeah. No worries. That's cool. Yep. No. That's all. Yeah. Sounds pretty good. Yep. Sounds good. No. Not so being pretty good. Yeah. Yep. Yep. No. Good on you. Appreciate it. Thank you. You too. 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Good, mate. How are you? Yeah. Yep.\n\nYep. Not a problem. Yep. 21st August 95 And 142 Railway Terrace Point Pass. Yep.\n\nAlright. Yeah. That's the one. Yep. Yeah.\n\nNo worries. Yes. I do. Yep. Yep.\n\nThat's correct. No. Still the same. I don't know. I have to think about that.\n\nNo. That's right. Yeah. I was thinking about that one. Correct.\n\nYep. No. It's different now. Vauxhall Family Trading Trust. It's it goes under.\n\nYeah. B o b o x a, double l, Family Trading Trust. No. Still the same. Still farming.\n\nYep. You've got 50. Roughly 50 out of the way. No. So just flat.\n\nRight? What have you got down? I think I'd give the Kempson. Yeah. Probably everything you've got already.\n\nYeah. Nothing really changed. I've just updated it. No. No.\n\nThis job or the job in general? I found in general. I've done it my well, since I left since I was old enough to do it. Been a whole lot, actually. Yes.\n\nThat's right. Yeah. Setting up the school, and then, yeah, once I left school, I've heard you went into farming, and that was it. Yeah. June, I started here.\n\nNot off the top. It'd be at least 90. Yeah. With the old way everything's going, it's nearly half. Half comes in and half goes out straight away.\n\nNo. No. Yeah. Exactly. No.\n\nI think I'm pretty right at the moment. Yeah. No. Just not even going on contract. That value would have gone up here.\n\nYeah. Yeah. $3.20 to $3.50, something like that. Just with land value, I mean, the way it is now and housing here. Yeah.\n\n140. Yeah. I own that completely now. Yep. And then I bought another one last year that was, like, in front of new ranges.\n\nThat was $60. Nothing. I bought it outright. No. No.\n\nI got rid of that. Yep. That's about right. Yes. 42.\n\nI like incentive saver. Yeah. I did a one of those health checks on my mortgage not long ago, but they couldn't offer me anything else. I didn't look at refinancing anything. I just looked trying to get better rate.\n\nSo it's the refinance. I haven't looked at any of that. Yeah. Variable. Yeah.\n\nYeah. That's right. Yeah. Okay. No worries.\n\nYes. Yeah. They did talk about doing something like that. So, yeah, that's something I have kept in mind. Yeah.\n\nYep. No. Nothing on that. No. No.\n\nWhat? Sorry. Oh, no. No. Nope.\n\nNot smoking. Yep. No. No. All good.\n\nYes. Yeah. That's correct. Yep. Yes.\n\nI did a wheel the six months ago, I suppose. Yeah. Yes. Yep. Oh, yes.\n\nYep. So that's, yeah. That's my lads or lads mother. Yeah. Yep.\n\nYep. Okay. Yep. Yes. Yep.\n\nJust trying to conquer the cost of living here. So no. Not really. Yeah. Yeah.\n\nNo. That's right. Yes. Exactly. No.\n\nNo. Yes. Yep. Yeah. Yeah.\n\nThat is what it is. It's gonna market's gonna go down and market will come back up again. So, yeah, keep playing on. Yeah. Pretty well.\n\nI don't even to be honest, I don't even look at it really. I might look once every couple of months if I think about it, but, yeah, I don't even really watch it. Maybe. Yeah. So I got involved in a business or something like that.\n\nYeah. But other than that, probably just an investment property to start with. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yeah. I reckon, yeah, we'll go with a more passive approach.\n\nYou reckon that's doing alright? I think we'll give it a go. Yeah. Yep. Yeah.\n\nI think I come through a little while ago. I had yeah. I don't know. Yeah. It looks fine.\n\nYep. Yep. Oh, yeah. Righto. No.\n\nThat's right. No. I think I'm pretty happy where it is at the moment. Yep. Oh, okay.\n\nYep. Yep. Yep. Yeah. No.\n\nThat's alright. That's all good. Yeah. That's probably not too bad. That'll yeah.\n\nAs long as we cover the morning, you know, that'll cover the bills if they're anywhere to happen. So I don't think that wouldn't be that'd be alright for for now. Yep. Okay. Now it's cool.\n\nRoss. Okay. Got it. Yep. Okay.\n\nYeah. No. I don't think so. I think it'll be alright for a minute here. Yep.\n\nYeah. No worries. No. It all seems pretty good. Yeah.\n\nYep. Oh, yeah. No worries. That's cool. Yep.\n\nNo. That's all. Yeah. Sounds pretty good. Yep.\n\nSounds good. No. Not so being pretty good. Yeah. Yep.\n\nYep. No. Good on you. Appreciate it. Thank you.\n\nYou too. See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.07181470096111298},{"text":"Good, mate.","start":6.3199997,"end":6.8799996,"sentiment":"positive","sentiment_score":0.49876970052719116},{"text":"How are you?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.3121623694896698},{"text":"Yeah.","start":13.295,"end":13.455,"sentiment":"neutral","sentiment_score":0.17221873998641968},{"text":"Yep.","start":13.455,"end":13.695,"sentiment":"neutral","sentiment_score":0.1421804428100586}],"sentiment":"neutral","sentiment_score":0.29003004916012287,"num_words":8,"start":0.56,"end":13.695},{"sentences":[{"text":"Yep.","start":13.695,"end":13.8550005,"sentiment":"neutral","sentiment_score":0.16640855371952057},{"text":"Not a 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is what it is.","start":847.68,"end":848.48,"sentiment":"neutral","sentiment_score":0.00280207023024559},{"text":"It's gonna market's gonna go down and market will come back up again.","start":848.48,"end":851.28,"sentiment":"neutral","sentiment_score":-0.009704695298121525},{"text":"So, yeah, keep playing on.","start":851.28,"end":853.035,"sentiment":"neutral","sentiment_score":0.05698089674115181},{"text":"Yeah.","start":863.915,"end":864.235,"sentiment":"neutral","sentiment_score":-0.023347362875938416},{"text":"Pretty well.","start":864.235,"end":864.63495,"sentiment":"neutral","sentiment_score":0.005253586918115616}],"sentiment":"neutral","sentiment_score":0.006150523343911538,"num_words":26,"start":847.68,"end":864.63495},{"sentences":[{"text":"I don't even to be honest, I don't even look at it really.","start":864.63495,"end":866.975,"sentiment":"neutral","sentiment_score":-0.1590074896812439},{"text":"I might look once every couple of months if I think about it, but, yeah, I don't even really watch it.","start":867.72,"end":871.57996,"sentiment":"neutral","sentiment_score":-0.12027204426981154},{"text":"Maybe.","start":881.795,"end":882.115,"sentiment":"neutral","sentiment_score":-0.007702944800257683},{"text":"Yeah.","start":882.115,"end":882.195,"sentiment":"neutral","sentiment_score":0.0125636775046587},{"text":"So I got involved in a business or something like that.","start":882.195,"end":884.195,"sentiment":"neutral","sentiment_score":0.003802466460249641}],"sentiment":"neutral","sentiment_score":-0.096726009186278,"num_words":47,"start":864.63495,"end":884.195},{"sentences":[{"text":"Yeah.","start":884.195,"end":884.435,"sentiment":"neutral","sentiment_score":0.004055222030729055},{"text":"But other than that, probably just an investment property to start with.","start":884.435,"end":887.735,"sentiment":"neutral","sentiment_score":-0.012874471178899208},{"text":"Yep.","start":900.3,"end":900.8,"sentiment":"neutral","sentiment_score":0.18949532508850095},{"text":"Yep.","start":915.095,"end":915.595,"sentiment":"neutral","sentiment_score":0.2869870662689209},{"text":"Yep.","start":929.33997,"end":929.83997,"sentiment":"neutral","sentiment_score":-0.020572897046804428}],"sentiment":"neutral","sentiment_score":0.01909194138715975,"num_words":16,"start":884.195,"end":929.83997},{"sentences":[{"text":"Yep.","start":993.285,"end":993.785,"sentiment":"positive","sentiment_score":0.36472639441490173},{"text":"Yep.","start":1019.01996,"end":1019.51996,"sentiment":"neutral","sentiment_score":-0.14011219143867493},{"text":"Yep.","start":1041.3601,"end":1041.8601,"sentiment":"neutral","sentiment_score":0.06904605776071548},{"text":"Yeah.","start":1051.405,"end":1051.7251,"sentiment":"neutral","sentiment_score":0.07855013012886047},{"text":"I reckon, yeah, we'll go with a more passive approach.","start":1051.7251,"end":1053.645,"sentiment":"neutral","sentiment_score":0.126615983992815}],"sentiment":"neutral","sentiment_score":0.11702644505671092,"num_words":14,"start":993.285,"end":1053.645},{"sentences":[{"text":"You reckon that's doing alright?","start":1053.645,"end":1055.005,"sentiment":"neutral","sentiment_score":0.18075748383998871},{"text":"I think we'll give it a go.","start":1055.005,"end":1056.305,"sentiment":"neutral","sentiment_score":0.200250506401062},{"text":"Yeah.","start":1075.605,"end":1076.105,"sentiment":"neutral","sentiment_score":-0.08845602720975876},{"text":"Yep.","start":1082.9175,"end":1083.4175,"sentiment":"neutral","sentiment_score":-0.09035076946020126},{"text":"Yeah.","start":1105.865,"end":1106.365,"sentiment":"neutral","sentiment_score":0.0036479737609624863}],"sentiment":"neutral","sentiment_score":0.14202547607322533,"num_words":15,"start":1053.645,"end":1106.365},{"sentences":[{"text":"I think I come through a little while ago.","start":1106.5049,"end":1107.985,"sentiment":"neutral","sentiment_score":-0.04545716651611858},{"text":"I had yeah.","start":1107.985,"end":1108.585,"sentiment":"neutral","sentiment_score":-0.03963514665762583},{"text":"I don't know.","start":1108.585,"end":1109.4049,"sentiment":"neutral","sentiment_score":-0.05149451022346815},{"text":"Yeah.","start":1109.625,"end":1109.7849,"sentiment":"neutral","sentiment_score":0.1224793940782547},{"text":"It looks fine.","start":1109.7849,"end":1110.605,"sentiment":"neutral","sentiment_score":0.20805837213993073}],"sentiment":"neutral","sentiment_score":0.0033763705899840907,"num_words":19,"start":1106.5049,"end":1110.605},{"sentences":[{"text":"Yep.","start":1116.4249,"end":1116.9249,"sentiment":"neutral","sentiment_score":0.030493423342704773},{"text":"Yep.","start":1122.94,"end":1123.44,"sentiment":"neutral","sentiment_score":-0.015695389360189438},{"text":"Oh, yeah.","start":1143.9401,"end":1145.14,"sentiment":"neutral","sentiment_score":-0.029811916872859},{"text":"Righto.","start":1145.14,"end":1145.64,"sentiment":"neutral","sentiment_score":-0.015591975301504137},{"text":"No.","start":1164.265,"end":1164.425,"sentiment":"neutral","sentiment_score":-0.07784037292003632}],"sentiment":"neutral","sentiment_score":-0.023043024664123852,"num_words":6,"start":1116.4249,"end":1164.425},{"sentences":[{"text":"That's right.","start":1164.425,"end":1164.905,"sentiment":"neutral","sentiment_score":-0.01601029559969902},{"text":"No.","start":1164.905,"end":1165.225,"sentiment":"neutral","sentiment_score":-0.06638696789741516},{"text":"I think I'm pretty happy where it is at the moment.","start":1165.225,"end":1167.245,"sentiment":"neutral","sentiment_score":0.09546951678666202},{"text":"Yep.","start":1176.82,"end":1177.32,"sentiment":"neutral","sentiment_score":0.022131044417619705},{"text":"Oh, okay.","start":1190.005,"end":1190.745,"sentiment":"neutral","sentiment_score":0.1969245746731758}],"sentiment":"neutral","sentiment_score":0.08045513643061414,"num_words":17,"start":1164.425,"end":1190.745},{"sentences":[{"text":"Yep.","start":1197.365,"end":1197.865,"sentiment":"neutral","sentiment_score":0.17556807398796082},{"text":"Yep.","start":1199.6849,"end":1200.1849,"sentiment":"neutral","sentiment_score":0.17845845222473145},{"text":"Yep.","start":1239.09,"end":1239.59,"sentiment":"neutral","sentiment_score":0.2951229512691498},{"text":"Yeah.","start":1241.57,"end":1241.8099,"sentiment":"neutral","sentiment_score":0.2601669132709503},{"text":"No.","start":1241.8099,"end":1241.97,"sentiment":"neutral","sentiment_score":0.3157314658164978}],"sentiment":"neutral","sentiment_score":0.24500957131385803,"num_words":5,"start":1197.365,"end":1241.97},{"sentences":[{"text":"That's alright.","start":1241.97,"end":1242.5299,"sentiment":"positive","sentiment_score":0.41740602254867554},{"text":"That's all good.","start":1242.5299,"end":1243.51,"sentiment":"positive","sentiment_score":0.6257450381914774},{"text":"Yeah.","start":1244.37,"end":1244.61,"sentiment":"positive","sentiment_score":0.3765783905982971},{"text":"That's probably not too bad.","start":1244.61,"end":1246.005,"sentiment":"neutral","sentiment_score":0.3221084654331207},{"text":"That'll yeah.","start":1246.085,"end":1246.4451,"sentiment":"positive","sentiment_score":0.3545941561460495}],"sentiment":"positive","sentiment_score":0.41602739920982945,"num_words":13,"start":1241.97,"end":1246.4451},{"sentences":[{"text":"As long as we cover the morning, you know, that'll cover the bills if they're anywhere to happen.","start":1246.4451,"end":1250.085,"sentiment":"neutral","sentiment_score":0.2472522896197107},{"text":"So I don't think that wouldn't be that'd be alright for for now.","start":1250.085,"end":1252.665,"sentiment":"neutral","sentiment_score":-0.014393373750723325},{"text":"Yep.","start":1273.785,"end":1274.285,"sentiment":"neutral","sentiment_score":0.1921910345554352},{"text":"Okay.","start":1287.68,"end":1288.18,"sentiment":"positive","sentiment_score":0.38325053453445435},{"text":"Now it's cool.","start":1288.24,"end":1289.06,"sentiment":"positive","sentiment_score":0.5602516730626425}],"sentiment":"neutral","sentiment_score":0.18110066507425573,"num_words":36,"start":1246.4451,"end":1289.06},{"sentences":[{"text":"Ross.","start":1311.105,"end":1311.605,"sentiment":"neutral","sentiment_score":0.024990493431687355},{"text":"Okay.","start":1320.68,"end":1321.18,"sentiment":"neutral","sentiment_score":0.08980182558298111},{"text":"Got it.","start":1335.025,"end":1335.765,"sentiment":"neutral","sentiment_score":0.0012432113289833069},{"text":"Yep.","start":1347.52,"end":1348.02,"sentiment":"neutral","sentiment_score":0.061242617666721344},{"text":"Okay.","start":1361.505,"end":1362.005,"sentiment":"neutral","sentiment_score":0.07903197407722473}],"sentiment":"neutral","sentiment_score":0.042925555569430195,"num_words":6,"start":1311.105,"end":1362.005},{"sentences":[{"text":"Yeah.","start":1367.6649,"end":1368.1649,"sentiment":"neutral","sentiment_score":0.050602659583091736},{"text":"No.","start":1369.105,"end":1369.345,"sentiment":"neutral","sentiment_score":-0.04206569120287895},{"text":"I don't think so.","start":1369.345,"end":1370.065,"sentiment":"neutral","sentiment_score":-0.08271603286266327},{"text":"I think it'll be alright for a minute here.","start":1370.065,"end":1371.765,"sentiment":"neutral","sentiment_score":0.09129450884130266},{"text":"Yep.","start":1402.87,"end":1403.37,"sentiment":"neutral","sentiment_score":0.07861614972352982}],"sentiment":"neutral","sentiment_score":0.03612122288905084,"num_words":16,"start":1367.6649,"end":1403.37},{"sentences":[{"text":"Yeah.","start":1405.9099,"end":1406.3099,"sentiment":"neutral","sentiment_score":0.06027422100305557},{"text":"No worries.","start":1406.3099,"end":1406.97,"sentiment":"neutral","sentiment_score":0.13242486491799355},{"text":"No.","start":1414.9451,"end":1415.3451,"sentiment":"neutral","sentiment_score":0.11818234622478484},{"text":"It all seems pretty good.","start":1415.3451,"end":1416.385,"sentiment":"neutral","sentiment_score":0.2987030506134033},{"text":"Yeah.","start":1416.385,"end":1416.885,"sentiment":"neutral","sentiment_score":0.13122650980949402}],"sentiment":"neutral","sentiment_score":0.2068048059940338,"num_words":10,"start":1405.9099,"end":1416.885},{"sentences":[{"text":"Yep.","start":1440.26,"end":1440.615,"sentiment":"neutral","sentiment_score":0.08760460466146469},{"text":"Oh, yeah.","start":1448.455,"end":1448.855,"sentiment":"neutral","sentiment_score":0.0668993666768074},{"text":"No worries.","start":1448.855,"end":1449.515,"sentiment":"neutral","sentiment_score":0.1692732498049736},{"text":"That's cool.","start":1449.655,"end":1450.295,"sentiment":"neutral","sentiment_score":0.29851552844047546},{"text":"Yep.","start":1450.295,"end":1450.795,"sentiment":"neutral","sentiment_score":0.20580147206783295}],"sentiment":"neutral","sentiment_score":0.17034779582172632,"num_words":8,"start":1440.26,"end":1450.795},{"sentences":[{"text":"No.","start":1455.11,"end":1455.27,"sentiment":"neutral","sentiment_score":0.03974766656756401},{"text":"That's all.","start":1455.27,"end":1455.8301,"sentiment":"neutral","sentiment_score":0.0619824081659317},{"text":"Yeah.","start":1455.8301,"end":1456.0701,"sentiment":"neutral","sentiment_score":0.25231000781059265},{"text":"Sounds pretty good.","start":1456.0701,"end":1457.05,"sentiment":"positive","sentiment_score":0.5491951704025269},{"text":"Yep.","start":1467.3501,"end":1467.75,"sentiment":"neutral","sentiment_score":0.21936403214931488}],"sentiment":"neutral","sentiment_score":0.28537150425836444,"num_words":8,"start":1455.11,"end":1467.75},{"sentences":[{"text":"Sounds good.","start":1467.75,"end":1468.605,"sentiment":"neutral","sentiment_score":0.25173526257276535},{"text":"No.","start":1476.605,"end":1476.845,"sentiment":"negative","sentiment_score":-0.4492584466934204},{"text":"Not so being pretty good.","start":1476.845,"end":1477.885,"sentiment":"negative","sentiment_score":-0.4941734135150909},{"text":"Yeah.","start":1477.885,"end":1478.205,"sentiment":"neutral","sentiment_score":-0.07251393795013428},{"text":"Yep.","start":1478.205,"end":1478.705,"sentiment":"neutral","sentiment_score":0.0712851732969284}],"sentiment":"neutral","sentiment_score":-0.24178837537765502,"num_words":10,"start":1467.75,"end":1478.705},{"sentences":[{"text":"Yep.","start":1485.1509,"end":1485.471,"sentiment":"neutral","sentiment_score":0.08717407286167145},{"text":"No.","start":1485.471,"end":1485.7109,"sentiment":"neutral","sentiment_score":0.16527879238128662},{"text":"Good on you.","start":1485.7109,"end":1486.1909,"sentiment":"positive","sentiment_score":0.41553182403246564},{"text":"Appreciate it.","start":1486.1909,"end":1487.091,"sentiment":"positive","sentiment_score":0.5099778175354004},{"text":"Thank you.","start":1488.9109,"end":1489.471,"sentiment":"positive","sentiment_score":0.4084080755710602}],"sentiment":"positive","sentiment_score":0.37064668039480847,"num_words":9,"start":1485.1509,"end":1489.471},{"sentences":[{"text":"You too.","start":1489.471,"end":1489.9509,"sentiment":"neutral","sentiment_score":0.2685896009206772},{"text":"See you.","start":1489.9509,"end":1490.611,"sentiment":"neutral","sentiment_score":0.19421234726905823}],"sentiment":"neutral","sentiment_score":0.2314009740948677,"num_words":4,"start":1489.471,"end":1490.611}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Edwin. It's Carl calling from IP Financial. How are you today?\n\nChannel 1: Good, mate. How are you?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I do scheduled in for you and review. Is now still a good time for you?\n\nChannel 1: Yeah. Yep. Yep. Not a problem.\n\nChannel 0: Perfect. Just before we jump into that one there, do you mind if I could pass through security with that name, date of birth, and current address so we can get stuck into that one?\n\nChannel 1: Yep. 21st August 95 And 142 Railway Terrace Point Pass.\n\nChannel 0: Perfect. Thank you for that one. Now I know it's been a while since you had your last interview. I think it was a mixture of being able to get ahold of you and then also the business to get a little bit busy with some changes that did occur. So apologies for the wait, but we'll get that under the one to work today\n\nChannel 1: Yep.\n\nChannel 0: and answer\n\nChannel 1: Alright.\n\nChannel 0: sort of any questions you have. Now this will be going out to just the end of the review pack to your email there, which will be smittytb@gmail.com. Is that correct?\n\nChannel 1: Yeah. That's the one. Yep.\n\nChannel 0: Perfect. So that should arrive shortly. Now within that document there, it's coming through Odoo, which is a bit different to, like, a DocuSign you probably previously used. It is still, like, a email signing software. You'll have your attachments there.\n\nWe'll have, like, the Vanguard chart, your asset performance, the distributive currency for your insurances there, and then also the new up to date financial services guides. And then as far as the signable documents in the link there, you'll also have the new TFN opt in, which is tax file number opt in form, and then the ongoing service agreement if you were happy with the service and staying on for the next twelve month period, if that makes sense.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Perfect. Now with that one as well, we will just quickly go through and make sure everything is up to date there. Now you said your address is still the same. Do you still have your PO box as well?\n\nChannel 1: Yes. I do. Yep.\n\nChannel 0: I mean, that's the one four seven point pass most\n\nChannel 1: Yep.\n\nChannel 0: of\n\nChannel 1: That's correct.\n\nChannel 0: And as far as the moment, I still have you you're single. Has that changed all in the last sort of twelve ish months since we last spoke?\n\nChannel 1: No. Still the same.\n\nChannel 0: And we don't have a next of kin contact in the event that we couldn't reach you. Did you wanna track anyone down? Or\n\nChannel 1: I don't know. I have to think about that.\n\nChannel 0: Yep. That's very fine. It's good to see, like, you know, sister's brother is just a friend or a parent. It's only in the event that we couldn't contact you for an extended period of time they'd probably reach out to this person. But if you don't wanna track anything down now, that's perfectly fine.\n\nChannel 1: No. That's right. Yeah. I was thinking about that one.\n\nChannel 0: No problem. And as far as your work at the moment, are you still doing the farmhand work?\n\nChannel 1: Correct. Yep.\n\nChannel 0: Yep. And then with the company, is it still Master Farming?\n\nChannel 1: No. It's different now.\n\nChannel 0: Yep. Who are you working for at the moment?\n\nChannel 1: Vauxhall Family Trading Trust. It's it goes under.\n\nChannel 0: And sorry. How do you spell that one? Is it just like box, or is it\n\nChannel 1: Yeah. B o b o x a, double\n\nChannel 0: yep.\n\nChannel 1: l, Family Trading Trust.\n\nChannel 0: Perfect. And as far as your role with that one, is that changed or with that different employer?\n\nChannel 1: No. Still the same. Still farming.\n\nChannel 0: Yeah. Perfect. Still a 100% in the field.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And then as far as your hours per week, do you know roughly what you're doing as an hour there?\n\nChannel 1: You've got 50. Roughly 50 out of the way.\n\nChannel 0: Do you get any overtime with that one, or is it just standard hours?\n\nChannel 1: No. So just flat. Right?\n\nChannel 0: Yeah. Perfect. And have you got any other qualifications since we last spoke at all in regards to your occupation?\n\nChannel 1: What have you got down?\n\nChannel 0: I believe just a couple of licenses in regarding to the trucks and the the tractor driving. But is there anything else?\n\nChannel 1: I think I'd give the Kempson. Yeah. Probably everything you've got already. Yeah. Nothing really changed.\n\nI've just updated it.\n\nChannel 0: Yep. Perfect. And apart from the general sort of farm work, are you doing any sort of heights work or any other hazardous materials apart from, like, maybe a bit of fertilizer, anything like like that?\n\nChannel 1: No. No.\n\nChannel 0: And how long have you been doing that for now, if you don't mind me asking?\n\nChannel 1: This job or the job in general?\n\nChannel 0: Just farming in general.\n\nChannel 1: I found in general. I've done it my well, since I left since I was old enough to do it. Been a whole lot, actually.\n\nChannel 0: Yep. That looks so good. Nearly probably twenty twenty years probably, but it sounds\n\nChannel 1: Yes.\n\nChannel 0: a bit just yeah. Just straight straight into it and didn't leave.\n\nChannel 1: That's right. Yeah. Setting up the school, and then, yeah, once I left school, I've heard you went into farming, and that was it.\n\nChannel 0: Yeah. Perfect. Not a problem. And then as far as that employment, you've probably only been there a couple of years now.\n\nChannel 1: Yeah. June, I started here.\n\nChannel 0: And do you know roughly what your annual income is now with that new one?\n\nChannel 1: Not off the top. It'd be at least 90.\n\nChannel 0: Yep. Really? And do you know roughly sort of what your outgoing is versus what your savings is looking like at the moment?\n\nChannel 1: Yeah. With the old way everything's going, it's nearly half. Half comes in and half goes out straight away.\n\nChannel 0: Yeah. No. I completely understand. Well, the cost of fuel is definitely not getting any cheaper at the moment, so it's probably\n\nChannel 1: No.\n\nChannel 0: gonna\n\nChannel 1: No.\n\nChannel 0: swing the other way a little bit.\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: Perfect. And then as far as, like, any sort of salary sacrifice or any other contributions to Super, have you thought about that? Is that something you sort of thought about in the future or not too interested in the moment?\n\nChannel 1: No. I think I'm pretty right at the moment. Yeah.\n\nChannel 0: Right. And then with your employer, do you have any sort of, like, EBA that you're under or sort of agreement other than just your employment contract?\n\nChannel 1: No. Just not even going on contract.\n\nChannel 0: Perfect. And I'll just update your assets and liabilities. So I know you got the house there. It's worth around the $2.60. Is that roughly the same, or is that\n\nChannel 1: That value would have gone up here.\n\nChannel 0: yep. So probably sitting around the $3.20 sort of maybe, Mark.\n\nChannel 1: Yeah. Yeah. $3.20 to $3.50, something like that. Just with land value, I mean, the way it is now and housing here.\n\nChannel 0: Yeah. Exactly. And do you know roughly what your mortgage is going on that one at the moment?\n\nChannel 1: Yeah. 140.\n\nChannel 0: $1.40 per week. And I know you had a there with around sort of the 30 mark with about 20 owing. Is that sort of paid down a bit now?\n\nChannel 1: Yeah. I own that completely now. Yep.\n\nChannel 0: Perfect.\n\nChannel 1: And\n\nChannel 0: And\n\nChannel 1: then I bought another one last year that was, like, in front of new ranges. That was $60.\n\nChannel 0: 60. And do how much is left owing on that one?\n\nChannel 1: Nothing. I bought it outright.\n\nChannel 0: Perfect. And then I know you had a truck at one point. Do you still have that truck?\n\nChannel 1: No. No. I got rid of that.\n\nChannel 0: Yeah. Not a problem. And then I know you had about 3,000 worth of firearms. Is that still roughly the same?\n\nChannel 1: Yep. That's about right.\n\nChannel 0: And with the new purchase, I know you had a decent chunk in savings. Do you still have a bit of a cash buffer in savings?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Do you know roughly what that's sitting at at the moment?\n\nChannel 1: 42.\n\nChannel 0: And is that an offset or just like a general savings account?\n\nChannel 1: I like incentive saver. Yeah.\n\nChannel 0: Yep. And then with, obviously, everything that's going on or anything, when's the last time you sort of refinanced on your home or had a look at refinancing with the property increase value?\n\nChannel 1: I did a one of those health checks on my mortgage not long ago, but they couldn't offer me anything else. I didn't look at refinancing anything. I just looked trying to get better rate. So it's the refinance. I haven't looked at any of that.\n\nChannel 0: Yeah. Obviously, with the the rates kind of going up at the moment, like, there's a good chance that it'll kind of keep going. I don't know if you're on variable or on a fixed\n\nChannel 1: Yeah.\n\nChannel 0: at the moment.\n\nChannel 1: Variable. Yeah.\n\nChannel 0: So if you did want to sort of have a look into it, you can sort of reach out. We can put you in touch with one of the mortgage brokers and just sort of see if they're sort of willing to offer any sort of fixed rates or any sort of terms. But, obviously, if the war sort of ends in a quickly sort of manner, there's a chance, like, in the future, the rates might drop again. It's\n\nChannel 1: Yeah. That's\n\nChannel 0: sort of a\n\nChannel 1: right.\n\nChannel 0: bit up in the air, so I'm not too sure if you would wanna look at sort of fixing a term or not and things like that. But it is an option if you do wanna sort of reach out and have a look at what that might look like.\n\nChannel 1: Yeah. Okay. No worries.\n\nChannel 0: And then also if the, like, interest rate obviously goes up, you can sort of go to your current lender and talk about maybe an offset account and then putting your savings off on that to potentially offset your debt instead of, like, accruing the interest depending on what your interest you're getting versus what the current rate of your home loan gets to to sort of ease the the repayments there. You wouldn't be getting your interest, but you'd be offsetting, you know, $40 of your your home loans. You're only paying interest on a $100 worth of that.\n\nChannel 1: Yes. Yeah. They did talk about doing something like that. So, yeah, that's something I have kept in mind. Yeah.\n\nChannel 0: Yeah. So it's a bit of an option depending on, you know, obviously, the interest rate doesn't always keep sort of par with what mortgage rates might jump to. So it's just something to be mindful of that you can sort of do as part of that. And as far as anything else that sort of haven't mentioned, any caravans, you know, boats, things like that that you've\n\nChannel 1: Yep.\n\nChannel 0: got at the moment?\n\nChannel 1: No. Nothing on that. No.\n\nChannel 0: Not a problem. And there's a few questions here that are a bit random, but just haven't been on the questions previously. But have you ever declared bankruptcy previously?\n\nChannel 1: No.\n\nChannel 0: Yep. And are you a tax resident for any other foreign jurisdiction or anywhere else?\n\nChannel 1: What? Sorry.\n\nChannel 0: Like a tax resident anywhere else outside of Australia?\n\nChannel 1: Oh, no. No.\n\nChannel 0: I mean and you're not involved in any sort of politics or any family in politics or anything like that?\n\nChannel 1: Nope. Not\n\nChannel 0: Perfect. And as far as smoking, nonsmoke, you're still nonsmoking?\n\nChannel 1: smoking. Yep.\n\nChannel 0: I mean, as far as, like, your health, how's that been for the last sort of twelve to eighteen months there? No injuries or any medications currently?\n\nChannel 1: No. No. All good.\n\nChannel 0: Perfect. And do you hold private health cover at the moment?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Is that, like, hospitals and extras?\n\nChannel 1: Yeah. That's correct. Yep.\n\nChannel 0: Perfect. And then as far as the will and a power of attorney, things like that, have you done anything in regards to your estate planning recently?\n\nChannel 1: Yes. I did a wheel the six months ago, I suppose. Yeah.\n\nChannel 0: Perfect. And did you do, like, a power of attorney with in conjunction with that?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Brilliant. That's what we like to hear. And I'll just double check-in regards to your account there. So I'm just double checking to see if there's any beneficiaries on your current account. Yep.\n\nAnd I've got Billy Kaye and Oliver Andrew Schmidt as your beneficiaries at the moment.\n\nChannel 1: Oh, yes. Yep. So that's, yeah. That's my lads or lads mother. Yeah.\n\nChannel 0: Yep. So with that, just given that you sort of are separated now that, like, is a chance that, like, sort of still being your spouse, that is fine or sort of, you know, if you are providing financial support to her and, obviously, for your child that it can be like an interdependent relationship with not being sort of currently together. The spouse sort of title is a bit could be gone anyway because spouses generally get the the funds as a tax free distribution, whereas, you know, interdependent, there may still be some tax applied and things like that. So that's just something to be mindful of. But if you are supporting her financially, she does form part of, like, the independent relationship, so can still be on the form.\n\nThe other\n\nChannel 1: Yep.\n\nChannel 0: way is you can leave it to the will, and it gets taxed a bit differently going to the will, and then it can be distributed that way as well. Also,\n\nChannel 1: Yep.\n\nChannel 0: once your child does hit 18, they also are no longer a tax dependent if you're not supporting them financially, and they also can get taxed and no longer tax dependent and don't receive those funds tax free generally as well. Just something to be mindful\n\nChannel 1: Okay.\n\nChannel 0: of.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now in regards to your goals and what you're trying to achieve, I know you were just sort of looking at paying down that mortgage and looking at investment property in the future. Is that sort of still the the main goal?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yep. Do you have any short term goals that you're working towards at the moment?\n\nChannel 1: Just trying to conquer the cost of living here.\n\nChannel 0: Yeah. It's definitely not getting any cheaper at the moment with everything going on,\n\nChannel 1: So no.\n\nChannel 0: which is\n\nChannel 1: Not really.\n\nChannel 0: a bit unfortunate.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. The wage increases really aren't sort of keeping pace even with what the cost of\n\nChannel 1: No.\n\nChannel 0: living is going up each year. So just everyone's\n\nChannel 1: That's\n\nChannel 0: getting\n\nChannel 1: right.\n\nChannel 0: a bit more each year, so it's a bit rough.\n\nChannel 1: Yes. Exactly.\n\nChannel 0: But we will go through a quick risk profile questionnaire and just make sure that's in line with what we currently got you invested in. Now have you done any direct share investments since we last sort of spoke at all there?\n\nChannel 1: No. No.\n\nChannel 0: Yep. No. That's perfectly fine. Are we still investing that long term? But are you considering yourself still a bit of a higher risk taker there\n\nChannel 1: Yes.\n\nChannel 0: in terms of, like, the risk reward?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. And then if within six months, like, your portfolio decreased by 20% just due to, like, the general market trends, like, with everything going on the war and everything like that, would you still hold and wait for that improve? Would you wanna look at sort of minimizing that by going to some more conservative assets or still, like, keep\n\nChannel 1: Yeah. Yeah. That\n\nChannel 0: investing\n\nChannel 1: is what it is. It's gonna market's gonna go\n\nChannel 0: for\n\nChannel 1: down and market will come back up again. So, yeah,\n\nChannel 0: growth?\n\nChannel 1: keep playing on.\n\nChannel 0: Perfect. And then within regards to, like, it dropping, did that make you a little bit cautious or you sort of just, like, bit out of sight out of mind with how long you got till retirement?\n\nChannel 1: Yeah. Pretty well. I don't even to be honest, I don't even look at it really. I might look once every couple of months if I think about it, but, yeah, I don't even really watch it.\n\nChannel 0: Yep. Not a problem. And then as far as borrowed money, I know you said you invested in investment property, but do you ever put borrowed money into anything else?\n\nChannel 1: Maybe. Yeah. So I got involved in a business or something like that. Yeah. But other than that, probably just an investment property to start with.\n\nChannel 0: Not a problem. So it does still bring out as a growth investor, which is what your current portfolio is. So currently about 8% in those growth assets and about 20% in those defensive assets, if that still makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So given your time till retirement, you obviously still got quite a number of years until you hit your retirement years so you can take on that level of risk and even sort of more if you wanted to, but sort of growth is sort of that nice middle ground there with the eight\n\nChannel 1: Yep.\n\nChannel 0: percent growth, 20% defensive. Now, obviously, in regards to the last twelve months, it hasn't been too crash hot because the tariff talk at the start of the year recovered from that. And then, obviously, with the war, it's taken another bit of a dive in terms of, like, the superannuation balance.\n\nChannel 1: Yep.\n\nChannel 0: Now given that you do have such a large holding towards Venilon, which is an actively managed fund, around 26% and everything that did occur, they also had an underlying investment that wasn't reporting correctly. So they got done for some dodgy accounting. And then as a result, Benelon had to reevaluate that stock, and then their funds sort of dropped in relation to that plus the war as well. Now given your time on board, we could possibly look to updating your portfolio to making sure that moving forward if that doesn't sort of happen. Now within regards to that one, I'm not too sure if you got your email up in front of you there of those reports, but we can look to do a bit of an update to see if we can put you in a bit of a better position to diversify a little bit better away from such a key holding in those actively managed funds, or we can to put you in sort of a more passive index approach, which is cheaper overall.\n\nStill has, like, the same allocation to, like, growth assets, but you don't have those active fund managers trying to outperform the market. You're just sort of tracking what the indexes are doing.\n\nChannel 1: Yep.\n\nChannel 0: Now with that, it's obviously lower cost over a longer term period as well. They generally tend to track better than those actively managed funds because, you know, they have a few really good years and then sometimes some bad years. I see a lot more volatility, much like what's happened with Venlo. Now, normally, you wouldn't sort of, you know, wanna sell low and buy it higher. But given what did occur with Benelung, the investment committee wants to move away from them moving forward anyway.\n\nChannel 1: Yep.\n\nChannel 0: So that's just the business decision to move away from that specific actively managed fund. That's not to say you can't still remain some portion inactive, but moving forward, they would be looking to update that and get rid of that one at least and maybe update a few other things as well with the losses to offset those changes with the the loss to make sure you're not paying too much capital gains with any switches we do make.\n\nChannel 1: Yep.\n\nChannel 0: Now would you still wanna look to have, like, an active portion in your superannuation, or would you feel like you'd sort of be comfortable with the more passive approach that's a bit cheaper?\n\nChannel 1: Yeah. I reckon, yeah, we'll go with a more passive approach. You reckon that's doing alright? I think we'll give it a go.\n\nChannel 0: Yeah. So, obviously, you just have a little bit less risk at the same amount of exposure to growth assets. So you sort of track what the market's doing. Now we see for the next sort of three to six months, it might not do great in terms of the fact that with the war going on, but that's the market as a whole. And in that time period too, it's a lot harder to pick the sort of winners and losers as well.\n\nChannel 1: Yeah.\n\nChannel 0: If a fund does, obviously, you know, you get a lot more growth out of that in that time period, but then also they're picking and losing much like what Benelon\n\nChannel 1: Yep.\n\nChannel 0: did. It's a lot that can sort of go wrong and sort of decrease in terms of that with the volatility that is going around at the moment. Perfect. Now in regards to that, in regards to your income and with your life insurance and income protection and total permanent disability, have you had a look at those with the renewal and had a look and see if you're happy with that? Or\n\nChannel 1: Yeah. I think I come through a little while ago. I had yeah. I don't know. Yeah.\n\nIt looks fine.\n\nChannel 0: yeah. So you've got about $2.90 in terms of life cover and same with the total parent disability, which\n\nChannel 1: Yep.\n\nChannel 0: given your current level of debt would go clear the debt and have a little bit extra on top of that plus whatever your superannuation balance is. Now\n\nChannel 1: Yep.\n\nChannel 0: in terms of, like, if you were never able to work again in the TPD side of things, given that you're quite young still, it might be sort of a little bit underinsured in terms of, like, you know, if you couldn't earn an income moving forward, if you did suffer a significant issue, it just means once you've paid off your debt and everything and sort of run out of that money, you just have to rely on some form of, like, government assistance programs, things like that as well.\n\nChannel 1: Oh, yeah. Righto.\n\nChannel 0: Yeah. Otherwise, you'd sort of if you want to replace your income for, you know, that ten plus years, given your age, you'd be looking sort of closer to, like, a million dollars worth of cover and trying to, you know, cover the longer term. But that's to say you are paying a higher price for that, and then, you know, there's no sort of guarantee you're ever gonna claim on that with that. Got\n\nChannel 1: No. That's right. No. I think I'm pretty\n\nChannel 0: it.\n\nChannel 1: happy where it is at the moment.\n\nChannel 0: Perfect. And then we get slight income increase there as well. Your income protection could be probably a little bit higher in terms of that the monthly cover amount\n\nChannel 1: Yep.\n\nChannel 0: Given that you can cover for up to 70% of your your current income, you're currently coming for around 4,900 as a monthly benefit that can that is taxed as well. That's like a pretax figure.\n\nChannel 1: Oh, okay.\n\nChannel 0: And 70% of your current income would be around the sort of $52.50 mark, so 5,250 in terms of, like,\n\nChannel 1: Yep.\n\nChannel 0: a monthly benefit amount you could cover for.\n\nChannel 1: Yep.\n\nChannel 0: Now within regards to that, you can look to do with Clearview a 15% increase with in regards to your current policy, which would obviously increase the price as well. It would sort of mean that you're looking to increase your current amount based on your payslips and income increase up by 15% with the future increase and your pay increase that you did have. But, obviously, if you're comfortable with the cover amount, given that, you know, your your mortgage probably isn't a huge amount, if you can survive off that, you don't have to increase it. It's just something you can do with that income increase if you've sort of increased your living lifestyle with that increase as well,\n\nChannel 1: Yep.\n\nChannel 0: if that makes sense.\n\nChannel 1: Yeah. No. That's alright. That's all good. Yeah.\n\nThat's probably not too bad. That'll yeah. As long as we cover the morning, you know, that'll cover the bills if they're anywhere to happen. So I don't think that wouldn't be that'd be alright for for now.\n\nChannel 0: Yeah. Obviously, you can look at sort of changing that in the future. And then even sort of next year, you can look to sort of do that 15% increase to give you that bump up because currently, sort of now, if you did the 15%, it sort of it's up to the amount that you cut, like, 70% or, like, to the max 15% each year. And even\n\nChannel 1: Yep.\n\nChannel 0: then, like, 15% of your current policy, it would sort of go up to where your current needs would be and then some. So even if you look to do it next year, if you feel like you might need that with the cost of living increasing, you can look to do that next year as well.\n\nChannel 1: Okay. Now it's cool.\n\nChannel 0: The only other thing insurance that you don't have is trauma cover. Not too sure how much you remember about trauma, but I just sort of mentioned it that you don't still have that cover, which is it's a lump sum payment you pay for outside of superannuation. It's gonna be paid out of pocket, and it's covering for things like heart attacks, strokes, those sort of conditions just to, like, sort of bridge the gap between income protection and total permanent disability.\n\nChannel 1: Ross.\n\nChannel 0: It's not something you have to have, but it's just to be mindful that you don't have that cover. And given those conditions, sort of, you may not fall under an IP claim or a TPD claim. It's just\n\nChannel 1: Okay.\n\nChannel 0: something yeah. A bit obviously, trauma insurance sort of bridges the gap with those other conditions. If you got diagnosed with, you know, some form of cancer, you may not sort of instantly be off work, but you may wanna take some time off. That's the sort of traumatic event that it covers in the event of.\n\nChannel 1: Got it.\n\nChannel 0: But if you're happy with the current cover, going back to underwriting just for trauma can be a little bit of a hassle, but then also that's just more stuff you with the time and going through the process of applying and underwriting.\n\nChannel 1: Yep.\n\nChannel 0: But if you did wanna look at change your insurance covers, if you did sort of take on a bit more debt with a different property and things like that as well, increasing your primary residence size, things like that, all that debt, we could look to revisit it all as a whole as well.\n\nChannel 1: Okay.\n\nChannel 0: But currently, you're happy sort of just not having trauma insurance, or is it something\n\nChannel 1: Yeah.\n\nChannel 0: you would wanna look at? Yeah.\n\nChannel 1: No. I don't think so. I think it'll be alright for a minute here.\n\nChannel 0: Perfect. Now as far as the performance for the last twelve months too with how things are traveling, it did around negative 1.77 given you have the higher allocation to that bed along fund. The rest of your portfolio, there are only a couple others that did underperform, but based on the fact that you have such a high allocation in that Bennelong is the reason that it did so poorly. A lot of it was propped up by some of your other investments, so it could have been a lot worse. But then, obviously, the markets as a whole are down a little bit at the moment as well within regards to that, but we will\n\nChannel 1: Yep.\n\nChannel 0: look at that update for you if that makes sense moving forward.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Perfect. But do you have any other questions in regards to any of that today, Dwayne, or any of the documents provided or your ongoing service agreement?\n\nChannel 1: No. It all seems pretty good. Yeah.\n\nChannel 0: As an estimated fee based on your balance will be around the 1,300 mark. It's like that sort of each month as a proportion across the twelve months based on that 1.65% just as what you're agreeing to there. So make sure you have a read of that, make sure you're happy with that in regards to fee you are signing and the service. But in saying that, they have updated that ongoing service agreement and financial services guide to have a look at that.\n\nChannel 1: Yep.\n\nChannel 0: And you can sort of, at any point, opt out. So there's no sort of fear of lock in if you ever wanted to leave in the middle of your sort of contract or service\n\nChannel 1: Oh, yeah.\n\nChannel 0: agreement.\n\nChannel 1: No worries. That's cool. Yep.\n\nChannel 0: Perfect. Do you have anything for me before I let you go there, Dylan?\n\nChannel 1: No. That's all. Yeah. Sounds pretty good.\n\nChannel 0: Perfect. No worries. Well, I'll get a start on that note and everything like that, and then we'll be in touch once they've sort of put that together to be able to update that portfolio for you moving forward.\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: But you largely haven't had any issues with Hub itself or the platform or accessing it or generating any reports and things like that?\n\nChannel 1: No. Not so being pretty good. Yeah. Yep.\n\nChannel 0: Not a problem at all. Well, if you don't have anything for me, I'll let you get back to your day. Thanks for your time. I'm sure we'll be in touch shortly.\n\nChannel 1: Yep. No. Good on you. Appreciate it.\n\nChannel 0: No problem, Dwight. Enjoy the rest of your day. Thanks.\n\nChannel 1: Thank\n\nChannel 0: Bye.\n\nChannel 1: you. You too. See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.07181470096111298}],"sentiment":"neutral","sentiment_score":0.07181470096111298,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Good afternoon, Edwin.","start":3.04,"end":4.0,"sentiment":"positive","sentiment_score":0.4089993139108022},{"text":"It's Carl calling from IP Financial.","start":4.0,"end":5.52,"sentiment":"neutral","sentiment_score":0.2456431264678637},{"text":"How are you today?","start":5.52,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.3048712760210037}],"sentiment":"neutral","sentiment_score":0.30156475420181567,"channel":0,"num_words":13,"start":3.04,"end":6.3399997},{"sentences":[{"text":"Good, mate.","start":6.3199997,"end":6.8799996,"sentiment":"positive","sentiment_score":0.49876970052719116},{"text":"How are you?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.3121623694896698}],"sentiment":"positive","sentiment_score":0.3868053019046783,"channel":1,"num_words":5,"start":6.3199997,"end":7.7},{"sentences":[{"text":"Yeah.","start":7.9199996,"end":8.24,"sentiment":"neutral","sentiment_score":0.2408488392829895},{"text":"Not too bad at all.","start":8.24,"end":9.2,"sentiment":"positive","sentiment_score":0.3547152101993561},{"text":"Thanks for asking.","start":9.2,"end":10.0,"sentiment":"positive","sentiment_score":0.698570728302002},{"text":"I do scheduled in for you and review.","start":10.0,"end":11.679999,"sentiment":"positive","sentiment_score":0.4249855540692806},{"text":"Is now still a good time for you?","start":11.679999,"end":13.065,"sentiment":"positive","sentiment_score":0.3723269812762737}],"sentiment":"positive","sentiment_score":0.4195454943180084,"channel":0,"num_words":25,"start":7.9199996,"end":13.065},{"sentences":[{"text":"Yeah.","start":13.295,"end":13.455,"sentiment":"neutral","sentiment_score":0.17221873998641968},{"text":"Yep.","start":13.455,"end":13.695,"sentiment":"neutral","sentiment_score":0.1421804428100586},{"text":"Yep.","start":13.695,"end":13.8550005,"sentiment":"neutral","sentiment_score":0.16640855371952057},{"text":"Not a problem.","start":13.8550005,"end":14.755,"sentiment":"neutral","sentiment_score":0.3258189558982849}],"sentiment":"neutral","sentiment_score":0.24304410070180893,"channel":1,"num_words":6,"start":13.295,"end":14.755},{"sentences":[{"text":"Perfect.","start":15.545,"end":16.025,"sentiment":"positive","sentiment_score":0.4618731737136841},{"text":"Just before we jump into that one there, do you mind if I could pass through security with that name, date of birth, and current address so we can get stuck into that one?","start":16.025,"end":21.645,"sentiment":"neutral","sentiment_score":0.08986486001488041}],"sentiment":"neutral","sentiment_score":0.10049366897770337,"channel":0,"num_words":35,"start":15.545,"end":21.645},{"sentences":[{"text":"Yep.","start":21.695,"end":22.175,"sentiment":"neutral","sentiment_score":0.02530626207590103},{"text":"21st August 95 And 142 Railway Terrace Point Pass.","start":22.175,"end":26.49,"sentiment":"neutral","sentiment_score":0.026236381381750107}],"sentiment":"neutral","sentiment_score":0.0261433694511652,"channel":1,"num_words":10,"start":21.695,"end":26.49},{"sentences":[{"text":"Perfect.","start":27.88,"end":28.279999,"sentiment":"positive","sentiment_score":0.49629899859428406},{"text":"Thank you for that one.","start":28.279999,"end":29.48,"sentiment":"positive","sentiment_score":0.6011796355247497},{"text":"Now I know it's been a while since you had your last interview.","start":29.48,"end":32.379997,"sentiment":"neutral","sentiment_score":0.03169250717529884},{"text":"I think it was a mixture of being able to get ahold of you and then also the business to get a little bit busy with some changes that did occur.","start":32.6,"end":39.225,"sentiment":"neutral","sentiment_score":0.008055163727652642},{"text":"So apologies for the wait, but we'll get that under the one to work today","start":39.225,"end":42.765,"sentiment":"neutral","sentiment_score":-0.0134036752084891}],"sentiment":"neutral","sentiment_score":0.060966995645027895,"channel":0,"num_words":65,"start":27.88,"end":42.765},{"sentences":[{"text":"Yep.","start":42.385002,"end":42.885002,"sentiment":"neutral","sentiment_score":0.04908528551459312}],"sentiment":"neutral","sentiment_score":0.04908528551459312,"channel":1,"num_words":1,"start":42.385002,"end":42.885002},{"sentences":[{"text":"and answer","start":43.305,"end":43.864998,"sentiment":"neutral","sentiment_score":0.04005148448050022}],"sentiment":"neutral","sentiment_score":0.04005148448050022,"channel":0,"num_words":2,"start":43.305,"end":43.864998},{"sentences":[{"text":"Alright.","start":43.745,"end":44.245,"sentiment":"neutral","sentiment_score":0.0854015201330185}],"sentiment":"neutral","sentiment_score":0.0854015201330185,"channel":1,"num_words":1,"start":43.745,"end":44.245},{"sentences":[{"text":"sort of any questions you have.","start":43.864998,"end":45.245,"sentiment":"neutral","sentiment_score":0.08542022854089737},{"text":"Now this will be going out to just the end of the review pack to your email there, which will be smittytb@gmail.com.","start":46.025,"end":55.51,"sentiment":"neutral","sentiment_score":0.07068692130798643},{"text":"Is that correct?","start":55.51,"end":56.25,"sentiment":"neutral","sentiment_score":0.04524879405895869}],"sentiment":"neutral","sentiment_score":0.07107677490961167,"channel":0,"num_words":31,"start":43.864998,"end":56.25},{"sentences":[{"text":"Yeah.","start":56.305,"end":56.545,"sentiment":"neutral","sentiment_score":0.06913739442825317},{"text":"That's the one.","start":56.545,"end":57.185,"sentiment":"neutral","sentiment_score":0.08268747230370839},{"text":"Yep.","start":57.185,"end":57.685,"sentiment":"neutral","sentiment_score":0.17980462312698364}],"sentiment":"neutral","sentiment_score":0.0994008868932724,"channel":1,"num_words":5,"start":56.305,"end":57.685},{"sentences":[{"text":"Perfect.","start":58.23,"end":58.73,"sentiment":"positive","sentiment_score":0.33882755041122437},{"text":"So that should arrive shortly.","start":59.11,"end":60.39,"sentiment":"neutral","sentiment_score":0.24970372915267944},{"text":"Now within that document there, it's coming through Odoo, which is a bit different to, like, a DocuSign you probably previously used.","start":60.39,"end":65.83,"sentiment":"neutral","sentiment_score":0.05965424007312818},{"text":"It is still, like, a email signing software.","start":65.83,"end":68.09,"sentiment":"neutral","sentiment_score":0.08761676400899887},{"text":"You'll have your attachments there.","start":68.65501,"end":69.855,"sentiment":"neutral","sentiment_score":0.11967971920967102}],"sentiment":"neutral","sentiment_score":0.10241639477814116,"channel":0,"num_words":41,"start":58.23,"end":69.855},{"sentences":[{"text":"We'll have, like, the Vanguard chart, your asset performance, the distributive currency for your insurances there, and then also the new up to date financial services guides.","start":69.855,"end":78.735,"sentiment":"neutral","sentiment_score":0.14441080694949185},{"text":"And then as far as the signable documents in the link there, you'll also have the new TFN opt in, which is tax file number opt in form, and then the ongoing 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moment?","start":316.69,"end":321.75,"sentiment":"neutral","sentiment_score":-0.006832758053427651}],"sentiment":"neutral","sentiment_score":-0.0036525426675444064,"channel":0,"num_words":23,"start":315.81,"end":321.75},{"sentences":[{"text":"Yeah.","start":326.125,"end":326.445,"sentiment":"neutral","sentiment_score":-0.02040613442659378},{"text":"With the old way everything's going, it's nearly half.","start":326.445,"end":328.605,"sentiment":"neutral","sentiment_score":-0.06161994445655081},{"text":"Half comes in and half goes out straight away.","start":328.605,"end":330.625,"sentiment":"neutral","sentiment_score":-0.041552312672138214}],"sentiment":"neutral","sentiment_score":-0.049945076241305,"channel":1,"num_words":19,"start":326.125,"end":330.625},{"sentences":[{"text":"Yeah.","start":331.425,"end":331.905,"sentiment":"neutral","sentiment_score":-0.028982624411582947},{"text":"No.","start":331.905,"end":332.145,"sentiment":"neutral","sentiment_score":-0.11203011870384216},{"text":"I completely understand.","start":332.145,"end":333.105,"sentiment":"neutral","sentiment_score":-0.09915899236996968},{"text":"Well, the cost of fuel is definitely not getting any cheaper at the moment, so it's 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there.","start":371.05,"end":372.49,"sentiment":"neutral","sentiment_score":0.03809071960859001},{"text":"It's worth around the $2.60.","start":372.49,"end":373.69,"sentiment":"neutral","sentiment_score":0.021854553371667862},{"text":"Is that roughly the same, or is that","start":373.69,"end":375.55,"sentiment":"neutral","sentiment_score":0.006871388526633382}],"sentiment":"neutral","sentiment_score":0.05650031181673209,"channel":0,"num_words":30,"start":368.16998,"end":375.55},{"sentences":[{"text":"That value would have gone up here.","start":377.15,"end":378.84998,"sentiment":"neutral","sentiment_score":-0.04462844452687672}],"sentiment":"neutral","sentiment_score":-0.04462844452687672,"channel":1,"num_words":7,"start":377.15,"end":378.84998},{"sentences":[{"text":"yep.","start":379.945,"end":380.345,"sentiment":"neutral","sentiment_score":-0.03795086592435837},{"text":"So probably sitting around the $3.20 sort of maybe, 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I bought another one last year that was, like, in front of new ranges.","start":410.525,"end":414.205,"sentiment":"neutral","sentiment_score":0.06059949758152167},{"text":"That was $60.","start":414.205,"end":415.345,"sentiment":"neutral","sentiment_score":0.029750876128673553}],"sentiment":"neutral","sentiment_score":0.05545806067271365,"channel":1,"num_words":18,"start":410.525,"end":415.345},{"sentences":[{"text":"60.","start":417.04,"end":417.36002,"sentiment":"neutral","sentiment_score":0.012009255588054655},{"text":"And do how much is left owing on that one?","start":417.36002,"end":419.62003,"sentiment":"neutral","sentiment_score":0.0014590239152312279}],"sentiment":"neutral","sentiment_score":0.002418135885487903,"channel":0,"num_words":11,"start":417.04,"end":419.62003},{"sentences":[{"text":"Nothing.","start":419.805,"end":420.28497,"sentiment":"neutral","sentiment_score":-0.002542715519666672},{"text":"I bought it 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versus what the current rate of your home loan gets to to sort of ease the the repayments there.","start":523.69995,"end":543.735,"sentiment":"neutral","sentiment_score":0.19333644790781868},{"text":"You wouldn't be getting your interest, but you'd be offsetting, you know, $40 of your your home loans.","start":543.735,"end":547.815,"sentiment":"neutral","sentiment_score":-0.22006592899560928},{"text":"You're only paying interest on a $100 worth of that.","start":547.815,"end":550.47,"sentiment":"neutral","sentiment_score":-0.16059051156044007}],"sentiment":"neutral","sentiment_score":0.08353132411837577,"channel":0,"num_words":100,"start":523.69995,"end":550.47},{"sentences":[{"text":"Yes.","start":551.255,"end":551.655,"sentiment":"neutral","sentiment_score":0.07133857905864716},{"text":"Yeah.","start":551.655,"end":551.815,"sentiment":"neutral","sentiment_score":0.09018827974796297},{"text":"They did talk about doing something like 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so it's a bit rough.","start":800.1,"end":802.27997,"sentiment":"neutral","sentiment_score":-0.2774277895689011}],"sentiment":"neutral","sentiment_score":-0.2774277895689011,"channel":0,"num_words":10,"start":800.1,"end":802.27997},{"sentences":[{"text":"Yes.","start":802.435,"end":802.755,"sentiment":"neutral","sentiment_score":0.04495517164468765},{"text":"Exactly.","start":802.755,"end":803.255,"sentiment":"neutral","sentiment_score":0.08735572546720505}],"sentiment":"neutral","sentiment_score":0.06615544855594635,"channel":1,"num_words":2,"start":802.435,"end":803.255},{"sentences":[{"text":"But we will go through a quick risk profile questionnaire and just make sure that's in line with what we currently got you invested in.","start":805.265,"end":810.885,"sentiment":"neutral","sentiment_score":0.07448937103152276},{"text":"Now have you done any direct share investments since we last sort of spoke at all there?","start":811.585,"end":815.60504,"sentiment":"neutral","sentiment_score":0.026484915329252973}],"sentiment":"neutral","sentiment_score":0.05505899610441355,"channel":0,"num_words":42,"start":805.265,"end":815.60504},{"sentences":[{"text":"No.","start":816.18,"end":816.57996,"sentiment":"neutral","sentiment_score":-0.09214644879102708},{"text":"No.","start":816.57996,"end":817.07996,"sentiment":"neutral","sentiment_score":-0.07282397150993347}],"sentiment":"neutral","sentiment_score":-0.08248521015048027,"channel":1,"num_words":2,"start":816.18,"end":817.07996},{"sentences":[{"text":"Yep.","start":817.75995,"end":818.07996,"sentiment":"neutral","sentiment_score":-0.004417728632688522},{"text":"No.","start":818.07996,"end":818.31995,"sentiment":"neutral","sentiment_score":-0.06954175233840942},{"text":"That's perfectly fine.","start":818.31995,"end":819.54,"sentiment":"neutral","sentiment_score":0.165193110704422},{"text":"Are we still investing that long term?","start":819.92,"end":821.51996,"sentiment":"neutral","sentiment_score":0.09533069868172918},{"text":"But are you considering yourself still a bit of a higher risk taker there","start":821.51996,"end":824.66,"sentiment":"neutral","sentiment_score":-0.05696190095373562}],"sentiment":"neutral","sentiment_score":0.011210312636998983,"channel":0,"num_words":26,"start":817.75995,"end":824.66},{"sentences":[{"text":"Yes.","start":825.155,"end":825.655,"sentiment":"neutral","sentiment_score":0.03765718638896942}],"sentiment":"neutral","sentiment_score":0.03765718638896942,"channel":1,"num_words":1,"start":825.155,"end":825.655},{"sentences":[{"text":"in terms of, like, the risk 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improve?","start":830.33496,"end":840.255,"sentiment":"neutral","sentiment_score":-0.015010657580569386},{"text":"Would you wanna look at sort of minimizing that by going to some more conservative assets or still, like, keep","start":840.255,"end":846.08,"sentiment":"neutral","sentiment_score":-0.03120707906782627}],"sentiment":"neutral","sentiment_score":-0.01151987708984844,"channel":0,"num_words":62,"start":827.43994,"end":846.08},{"sentences":[{"text":"Yeah.","start":847.36,"end":847.52,"sentiment":"neutral","sentiment_score":0.00534796342253685},{"text":"Yeah.","start":847.52,"end":847.68,"sentiment":"neutral","sentiment_score":0.013224687427282332},{"text":"That","start":847.68,"end":847.92,"sentiment":"neutral","sentiment_score":-0.03244294971227646}],"sentiment":"neutral","sentiment_score":-0.004623432954152425,"channel":1,"num_words":3,"start":847.36,"end":847.92},{"sentences":[{"text":"investing","start":847.72003,"end":848.22003,"sentiment":"neutral","sentiment_score":0.028924211859703064}],"sentiment":"neutral","sentiment_score":0.028924211859703064,"channel":0,"num_words":1,"start":847.72003,"end":848.22003},{"sentences":[{"text":"is what it 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yeah,","start":851.28,"end":852.18,"sentiment":"neutral","sentiment_score":0.0657156240195036}],"sentiment":"neutral","sentiment_score":0.0030814483761787415,"channel":1,"num_words":10,"start":849.92,"end":852.18},{"sentences":[{"text":"growth?","start":852.0,"end":852.5,"sentiment":"neutral","sentiment_score":0.08943673223257065}],"sentiment":"neutral","sentiment_score":0.08943673223257065,"channel":0,"num_words":1,"start":852.0,"end":852.5},{"sentences":[{"text":"keep playing on.","start":852.24,"end":853.035,"sentiment":"neutral","sentiment_score":0.05115774522225062}],"sentiment":"neutral","sentiment_score":0.05115774522225062,"channel":1,"num_words":3,"start":852.24,"end":853.035},{"sentences":[{"text":"Perfect.","start":854.14,"end":854.64,"sentiment":"neutral","sentiment_score":0.30169302225112915},{"text":"And then within regards to, like, it dropping, did that make you a little bit cautious or you sort of just, like, bit out of sight out of mind with how long you got till retirement?","start":855.18,"end":863.485,"sentiment":"neutral","sentiment_score":-0.03891505109560159}],"sentiment":"neutral","sentiment_score":-0.02970942749163589,"channel":0,"num_words":37,"start":854.14,"end":863.485},{"sentences":[{"text":"Yeah.","start":863.915,"end":864.235,"sentiment":"neutral","sentiment_score":-0.023347362875938416},{"text":"Pretty well.","start":864.235,"end":864.63495,"sentiment":"neutral","sentiment_score":0.005253586918115616},{"text":"I don't even to be honest, I don't even look at it really.","start":864.63495,"end":866.975,"sentiment":"neutral","sentiment_score":-0.1590074896812439},{"text":"I might look once every couple of months if I think about it, but, yeah, I don't even really watch it.","start":867.72,"end":871.57996,"sentiment":"neutral","sentiment_score":-0.12027204426981154}],"sentiment":"neutral","sentiment_score":-0.12447704012329514,"channel":1,"num_words":37,"start":863.915,"end":871.57996},{"sentences":[{"text":"Yep.","start":872.2,"end":872.44,"sentiment":"neutral","sentiment_score":0.03875195607542992},{"text":"Not a problem.","start":872.44,"end":873.26,"sentiment":"neutral","sentiment_score":0.12425810098648071},{"text":"And then as far as borrowed money, I know you said you invested in investment property, but do you ever put borrowed money into anything 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with.","start":884.435,"end":887.735,"sentiment":"neutral","sentiment_score":-0.012874471178899208}],"sentiment":"neutral","sentiment_score":-0.003990406474958246,"channel":1,"num_words":26,"start":881.795,"end":887.735},{"sentences":[{"text":"Not a problem.","start":888.135,"end":888.955,"sentiment":"positive","sentiment_score":0.3795353372891744},{"text":"So it does still bring out as a growth investor, which is what your current portfolio is.","start":889.09503,"end":892.615,"sentiment":"positive","sentiment_score":0.500930691466612},{"text":"So currently about 8% in those growth assets and about 20% in those defensive assets, if that still makes sense.","start":892.615,"end":900.01,"sentiment":"positive","sentiment_score":0.3494256228208542}],"sentiment":"positive","sentiment_score":0.4160735055804253,"channel":0,"num_words":40,"start":888.135,"end":900.01},{"sentences":[{"text":"Yep.","start":900.3,"end":900.8,"sentiment":"neutral","sentiment_score":0.18949532508850095}],"sentiment":"neutral","sentiment_score":0.18949532508850095,"channel":1,"num_words":1,"start":900.3,"end":900.8},{"sentences":[{"text":"Yeah.","start":901.19,"end":901.43,"sentiment":"neutral","sentiment_score":0.1821690946817398},{"text":"So given your time till retirement, you obviously still got quite a number of years until you hit your retirement years so you can take on that level of risk and even sort of more if you wanted to, but sort of growth is sort of that nice middle ground there with the 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reevaluate that stock, and then their funds sort of dropped in relation to that plus the war as well.","start":944.685,"end":951.185,"sentiment":"neutral","sentiment_score":-0.30792608581207415},{"text":"Now given your time on board, we could possibly look to updating your portfolio to making sure that moving forward if that doesn't sort of happen.","start":951.485,"end":962.78,"sentiment":"neutral","sentiment_score":-0.04041573319297571},{"text":"Now within regards to that one, I'm not too sure if you got your email up in front of you there of those reports, but we can look to do a bit of an update to see if we can put you in a bit of a better position to diversify a little bit better away from such a key holding in those actively managed funds, or we can to put you in sort of a more passive index approach, which is cheaper 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go.","start":1055.005,"end":1056.305,"sentiment":"neutral","sentiment_score":0.200250506401062}],"sentiment":"neutral","sentiment_score":0.15870656235062558,"channel":1,"num_words":23,"start":1051.405,"end":1056.305},{"sentences":[{"text":"Yeah.","start":1056.9349,"end":1057.1749,"sentiment":"neutral","sentiment_score":0.09010575711727142},{"text":"So, obviously, you just have a little bit less risk at the same amount of exposure to growth assets.","start":1057.1749,"end":1061.735,"sentiment":"neutral","sentiment_score":0.057717521527880115},{"text":"So you sort of track what the market's doing.","start":1061.735,"end":1063.735,"sentiment":"neutral","sentiment_score":0.11382557700077693},{"text":"Now we see for the next sort of three to six months, it might not do great in terms of the fact that with the war going on, but that's the market as a whole.","start":1063.735,"end":1071.9099,"sentiment":"neutral","sentiment_score":-0.23463616796902248},{"text":"And in that time period too, it's a lot harder to pick the sort of winners and losers as well.","start":1071.9099,"end":1076.09,"sentiment":"neutral","sentiment_score":-0.2712604716420174}],"sentiment":"neutral","sentiment_score":-0.13602745776907318,"channel":0,"num_words":84,"start":1056.9349,"end":1076.09},{"sentences":[{"text":"Yeah.","start":1075.605,"end":1076.105,"sentiment":"neutral","sentiment_score":-0.08845602720975876}],"sentiment":"neutral","sentiment_score":-0.08845602720975876,"channel":1,"num_words":1,"start":1075.605,"end":1076.105},{"sentences":[{"text":"If a fund does, obviously, you know, you get a lot more growth out of that in that time period, but then also they're picking and losing much like what 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know.","start":1108.585,"end":1109.4049,"sentiment":"neutral","sentiment_score":-0.05149451022346815},{"text":"Yeah.","start":1109.625,"end":1109.7849,"sentiment":"neutral","sentiment_score":0.1224793940782547}],"sentiment":"neutral","sentiment_score":-0.032728005967596,"channel":1,"num_words":17,"start":1105.865,"end":1109.7849},{"sentences":[{"text":"It looks fine.","start":1109.7849,"end":1110.605,"sentiment":"neutral","sentiment_score":0.20805837213993073}],"sentiment":"neutral","sentiment_score":0.20805837213993073,"channel":1,"num_words":3,"start":1109.7849,"end":1110.605},{"sentences":[{"text":"yeah.","start":1111.2251,"end":1111.4651,"sentiment":"neutral","sentiment_score":0.09337201714515686},{"text":"So you've got about $2.90 in terms of life cover and same with the total parent disability, which","start":1111.4651,"end":1116.505,"sentiment":"neutral","sentiment_score":0.0358159722139438}],"sentiment":"neutral","sentiment_score":0.038845237736639227,"channel":0,"num_words":19,"start":1111.2251,"end":1116.505},{"sentences":[{"text":"Yep.","start":1116.4249,"end":1116.9249,"sentiment":"neutral","sentiment_score":0.030493423342704773}],"sentiment":"neutral","sentiment_score":0.030493423342704773,"channel":1,"num_words":1,"start":1116.4249,"end":1116.9249},{"sentences":[{"text":"given your current level of debt would go clear the debt and have a little bit extra on top of that plus whatever your superannuation balance is.","start":1116.505,"end":1122.64,"sentiment":"neutral","sentiment_score":-0.0042555009325345354},{"text":"Now","start":1122.78,"end":1123.28,"sentiment":"neutral","sentiment_score":-0.005058154463768005}],"sentiment":"neutral","sentiment_score":-0.004284167130078588,"channel":0,"num_words":28,"start":1116.505,"end":1123.28},{"sentences":[{"text":"Yep.","start":1122.94,"end":1123.44,"sentiment":"neutral","sentiment_score":-0.015695389360189438}],"sentiment":"neutral","sentiment_score":-0.015695389360189438,"channel":1,"num_words":1,"start":1122.94,"end":1123.44},{"sentences":[{"text":"in terms of, like, if you were never able to work again in the TPD side of things, given that you're quite young still, it might be sort of a little bit underinsured in terms of, like, you know, if you couldn't earn an income moving forward, if you did suffer a significant issue, it just means once you've paid off your debt and everything and sort of run out of that money, you just have to rely on some 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the longer term.","start":1146.5349,"end":1156.69,"sentiment":"neutral","sentiment_score":-0.09703233025290749},{"text":"But that's to say you are paying a higher price for that, and then, you know, there's no sort of guarantee you're ever gonna claim on that with that.","start":1156.99,"end":1163.745,"sentiment":"neutral","sentiment_score":-0.17188816132216617},{"text":"Got","start":1163.745,"end":1164.245,"sentiment":"neutral","sentiment_score":-0.022123031318187714}],"sentiment":"neutral","sentiment_score":-0.12396750176946322,"channel":0,"num_words":75,"start":1146.215,"end":1164.245},{"sentences":[{"text":"No.","start":1164.265,"end":1164.425,"sentiment":"neutral","sentiment_score":-0.07784037292003632},{"text":"That's right.","start":1164.425,"end":1164.905,"sentiment":"neutral","sentiment_score":-0.01601029559969902},{"text":"No.","start":1164.905,"end":1165.225,"sentiment":"neutral","sentiment_score":-0.06638696789741516},{"text":"I think I'm pretty","start":1165.225,"end":1165.865,"sentiment":"neutral","sentiment_score":0.0418713241815567}],"sentiment":"neutral","sentiment_score":-0.001095329411327839,"channel":1,"num_words":8,"start":1164.265,"end":1165.865},{"sentences":[{"text":"it.","start":1165.625,"end":1166.125,"sentiment":"neutral","sentiment_score":0.01969955861568451}],"sentiment":"neutral","sentiment_score":0.01969955861568451,"channel":0,"num_words":1,"start":1165.625,"end":1166.125},{"sentences":[{"text":"happy where it is at the moment.","start":1165.865,"end":1167.245,"sentiment":"neutral","sentiment_score":0.12609705541815078}],"sentiment":"neutral","sentiment_score":0.12609705541815078,"channel":1,"num_words":7,"start":1165.865,"end":1167.245},{"sentences":[{"text":"Perfect.","start":1167.505,"end":1167.905,"sentiment":"positive","sentiment_score":0.3835874795913696},{"text":"And then we get slight income increase there as well.","start":1167.905,"end":1171.265,"sentiment":"neutral","sentiment_score":0.15571048334240914},{"text":"Your income protection could be probably a little bit higher in terms of that the monthly cover amount","start":1171.265,"end":1176.485,"sentiment":"neutral","sentiment_score":0.060816863965657025}],"sentiment":"neutral","sentiment_score":0.10466882291025129,"channel":0,"num_words":29,"start":1167.505,"end":1176.485},{"sentences":[{"text":"Yep.","start":1176.82,"end":1177.32,"sentiment":"neutral","sentiment_score":0.022131044417619705}],"sentiment":"neutral","sentiment_score":0.022131044417619705,"channel":1,"num_words":1,"start":1176.82,"end":1177.32},{"sentences":[{"text":"Given that you can cover for up to 70% of your your current income, you're currently coming for around 4,900 as a monthly benefit that can that is taxed as well.","start":1177.26,"end":1187.36,"sentiment":"neutral","sentiment_score":0.15954360510072402},{"text":"That's like a pretax figure.","start":1187.42,"end":1189.6001,"sentiment":"neutral","sentiment_score":0.14080028235912323}],"sentiment":"neutral","sentiment_score":0.15694036583105722,"channel":0,"num_words":36,"start":1177.26,"end":1189.6001},{"sentences":[{"text":"Oh, okay.","start":1190.005,"end":1190.745,"sentiment":"neutral","sentiment_score":0.1969245746731758}],"sentiment":"neutral","sentiment_score":0.1969245746731758,"channel":1,"num_words":2,"start":1190.005,"end":1190.745},{"sentences":[{"text":"And 70% of your current income would be around the sort of $52.50 mark, so 5,250 in terms of, like,","start":1190.855,"end":1197.415,"sentiment":"neutral","sentiment_score":0.1694045767188072}],"sentiment":"neutral","sentiment_score":0.1694045767188072,"channel":0,"num_words":20,"start":1190.855,"end":1197.415},{"sentences":[{"text":"Yep.","start":1197.365,"end":1197.865,"sentiment":"neutral","sentiment_score":0.17556807398796082}],"sentiment":"neutral","sentiment_score":0.17556807398796082,"channel":1,"num_words":1,"start":1197.365,"end":1197.865},{"sentences":[{"text":"a monthly benefit amount you could cover for.","start":1197.415,"end":1199.5951,"sentiment":"neutral","sentiment_score":0.15821904502809048}],"sentiment":"neutral","sentiment_score":0.15821904502809048,"channel":0,"num_words":8,"start":1197.415,"end":1199.5951},{"sentences":[{"text":"Yep.","start":1199.6849,"end":1200.1849,"sentiment":"neutral","sentiment_score":0.17845845222473145}],"sentiment":"neutral","sentiment_score":0.17845845222473145,"channel":1,"num_words":1,"start":1199.6849,"end":1200.1849},{"sentences":[{"text":"Now within regards to that, you can look to do with Clearview a 15% increase with in regards to your current policy, which would obviously increase the price as well.","start":1199.735,"end":1210.96,"sentiment":"neutral","sentiment_score":0.20088822493950526},{"text":"It would sort of mean that you're looking to increase your current amount based on your payslips and income increase up by 15% with the future increase and your pay increase that you did have.","start":1210.96,"end":1221.46,"sentiment":"neutral","sentiment_score":0.25135299222809926},{"text":"But, obviously, if you're comfortable with the cover amount, given that, you know, your your mortgage probably isn't a huge amount, if you can survive off that, you don't have to increase it.","start":1222.4651,"end":1231.665,"sentiment":"neutral","sentiment_score":0.25479327164816135},{"text":"It's just something you can do with that income increase if you've sort of increased your living lifestyle with that increase as well,","start":1231.665,"end":1238.67,"sentiment":"positive","sentiment_score":0.3638237157593603}],"sentiment":"neutral","sentiment_score":0.26115805704977885,"channel":0,"num_words":121,"start":1199.735,"end":1238.67},{"sentences":[{"text":"Yep.","start":1239.09,"end":1239.59,"sentiment":"neutral","sentiment_score":0.2951229512691498}],"sentiment":"neutral","sentiment_score":0.2951229512691498,"channel":1,"num_words":1,"start":1239.09,"end":1239.59},{"sentences":[{"text":"if that makes sense.","start":1240.41,"end":1241.47,"sentiment":"neutral","sentiment_score":0.2598516345024109}],"sentiment":"neutral","sentiment_score":0.2598516345024109,"channel":0,"num_words":4,"start":1240.41,"end":1241.47},{"sentences":[{"text":"Yeah.","start":1241.57,"end":1241.8099,"sentiment":"neutral","sentiment_score":0.2601669132709503},{"text":"No.","start":1241.8099,"end":1241.97,"sentiment":"neutral","sentiment_score":0.3157314658164978},{"text":"That's alright.","start":1241.97,"end":1242.5299,"sentiment":"positive","sentiment_score":0.41740602254867554},{"text":"That's all good.","start":1242.5299,"end":1243.51,"sentiment":"positive","sentiment_score":0.6257450381914774},{"text":"Yeah.","start":1244.37,"end":1244.61,"sentiment":"positive","sentiment_score":0.3765783905982971}],"sentiment":"positive","sentiment_score":0.4580654911696911,"channel":1,"num_words":8,"start":1241.57,"end":1244.61},{"sentences":[{"text":"That's probably not too bad.","start":1244.61,"end":1246.005,"sentiment":"neutral","sentiment_score":0.3221084654331207},{"text":"That'll yeah.","start":1246.085,"end":1246.4451,"sentiment":"positive","sentiment_score":0.3545941561460495},{"text":"As long as we cover the morning, you know, that'll cover the bills if they're anywhere to happen.","start":1246.4451,"end":1250.085,"sentiment":"neutral","sentiment_score":0.2472522896197107},{"text":"So I don't think that wouldn't be that'd be alright for for now.","start":1250.085,"end":1252.665,"sentiment":"neutral","sentiment_score":-0.014393373750723325}],"sentiment":"neutral","sentiment_score":0.17324099983823926,"channel":1,"num_words":38,"start":1244.61,"end":1252.665},{"sentences":[{"text":"Yeah.","start":1253.305,"end":1253.625,"sentiment":"neutral","sentiment_score":0.2703784108161926},{"text":"Obviously, you can look at sort of changing that in the future.","start":1253.625,"end":1256.505,"sentiment":"neutral","sentiment_score":0.2708957369128863},{"text":"And then even sort of next year, you can look to sort of do that 15% increase to give you that bump up because currently, sort of now, if you did the 15%, it sort of it's up to the amount that you cut, like, 70% or, like, to the max 15% each year.","start":1256.505,"end":1273.46,"sentiment":"neutral","sentiment_score":0.23662386972595145},{"text":"And even","start":1273.46,"end":1273.94,"sentiment":"neutral","sentiment_score":0.2351139709353447}],"sentiment":"neutral","sentiment_score":0.24302962551946225,"channel":0,"num_words":69,"start":1253.305,"end":1273.94},{"sentences":[{"text":"Yep.","start":1273.785,"end":1274.285,"sentiment":"neutral","sentiment_score":0.1921910345554352}],"sentiment":"neutral","sentiment_score":0.1921910345554352,"channel":1,"num_words":1,"start":1273.785,"end":1274.285},{"sentences":[{"text":"then, like, 15% of your current policy, it would sort of go up to where your current needs would be and then some.","start":1273.94,"end":1280.825,"sentiment":"neutral","sentiment_score":0.2150758353628866},{"text":"So even if you look to do it next year, if you feel like you might need that with the cost of living increasing, you can look to do that next year as well.","start":1280.825,"end":1287.24,"sentiment":"neutral","sentiment_score":0.2268961440114414}],"sentiment":"neutral","sentiment_score":0.22212654578483157,"channel":0,"num_words":57,"start":1273.94,"end":1287.24},{"sentences":[{"text":"Okay.","start":1287.68,"end":1288.18,"sentiment":"positive","sentiment_score":0.38325053453445435},{"text":"Now it's cool.","start":1288.24,"end":1289.06,"sentiment":"positive","sentiment_score":0.5602516730626425}],"sentiment":"positive","sentiment_score":0.5160013884305954,"channel":1,"num_words":4,"start":1287.68,"end":1289.06},{"sentences":[{"text":"The only other thing insurance that you don't have is trauma cover.","start":1290.04,"end":1292.6799,"sentiment":"neutral","sentiment_score":0.12642410025000572},{"text":"Not too sure how much you remember about trauma, but I just sort of mentioned it that you don't still have that cover, which is it's a lump sum payment you pay for outside of superannuation.","start":1292.6799,"end":1301.02,"sentiment":"neutral","sentiment_score":0.10401127052803834},{"text":"It's gonna be paid out of pocket, and it's covering for things like heart attacks, strokes, those sort of conditions just to, like, sort of bridge the gap between income protection and total permanent disability.","start":1301.16,"end":1310.385,"sentiment":"neutral","sentiment_score":0.11451973840594291}],"sentiment":"neutral","sentiment_score":0.11168296127972832,"channel":0,"num_words":83,"start":1290.04,"end":1310.385},{"sentences":[{"text":"Ross.","start":1311.105,"end":1311.605,"sentiment":"neutral","sentiment_score":0.024990493431687355}],"sentiment":"neutral","sentiment_score":0.024990493431687355,"channel":1,"num_words":1,"start":1311.105,"end":1311.605},{"sentences":[{"text":"It's not something you have to have, but it's just to be mindful that you don't have that cover.","start":1311.725,"end":1315.47,"sentiment":"neutral","sentiment_score":-0.04977821612632588},{"text":"And given those conditions, sort of, you may not fall under an IP claim or a TPD claim.","start":1315.63,"end":1319.97,"sentiment":"neutral","sentiment_score":-0.043688014356626406},{"text":"It's just","start":1320.4299,"end":1320.83,"sentiment":"neutral","sentiment_score":0.047138651832938194}],"sentiment":"neutral","sentiment_score":-0.041997257978297196,"channel":0,"num_words":39,"start":1311.725,"end":1320.83},{"sentences":[{"text":"Okay.","start":1320.68,"end":1321.18,"sentiment":"neutral","sentiment_score":0.08980182558298111}],"sentiment":"neutral","sentiment_score":0.08980182558298111,"channel":1,"num_words":1,"start":1320.68,"end":1321.18},{"sentences":[{"text":"something yeah.","start":1320.83,"end":1321.7899,"sentiment":"neutral","sentiment_score":0.0791502296924591},{"text":"A bit obviously, trauma insurance sort of bridges the gap with those other conditions.","start":1321.7899,"end":1325.3099,"sentiment":"neutral","sentiment_score":0.03943374912653651},{"text":"If you got diagnosed with, you know, some form of cancer, you may not sort of instantly be off work, but you may wanna take some time off.","start":1325.3099,"end":1331.255,"sentiment":"neutral","sentiment_score":-0.07179610936769418},{"text":"That's the sort of traumatic event that it covers in the event of.","start":1331.255,"end":1334.635,"sentiment":"neutral","sentiment_score":-0.08096387466559044}],"sentiment":"neutral","sentiment_score":-0.041271026066520757,"channel":0,"num_words":57,"start":1320.83,"end":1334.635},{"sentences":[{"text":"Got it.","start":1335.025,"end":1335.765,"sentiment":"neutral","sentiment_score":0.0012432113289833069}],"sentiment":"neutral","sentiment_score":0.0012432113289833069,"channel":1,"num_words":2,"start":1335.025,"end":1335.765},{"sentences":[{"text":"But if you're happy with the current cover, going back to underwriting just for trauma can be a little bit of a hassle, but then also that's just more stuff you with the time and going through the process of applying and underwriting.","start":1336.295,"end":1346.87,"sentiment":"neutral","sentiment_score":-0.08811431837289832}],"sentiment":"neutral","sentiment_score":-0.08811431837289832,"channel":0,"num_words":43,"start":1336.295,"end":1346.87},{"sentences":[{"text":"Yep.","start":1347.52,"end":1348.02,"sentiment":"neutral","sentiment_score":0.061242617666721344}],"sentiment":"neutral","sentiment_score":0.061242617666721344,"channel":1,"num_words":1,"start":1347.52,"end":1348.02},{"sentences":[{"text":"But if you did wanna look at change your insurance covers, if you did sort of take on a bit more debt with a different property and things like that as well, increasing your primary residence size, things like that, all that debt, we could look to revisit it all as a whole as well.","start":1347.65,"end":1360.955,"sentiment":"neutral","sentiment_score":0.03213089697740295}],"sentiment":"neutral","sentiment_score":0.03213089697740295,"channel":0,"num_words":55,"start":1347.65,"end":1360.955},{"sentences":[{"text":"Okay.","start":1361.505,"end":1362.005,"sentiment":"neutral","sentiment_score":0.07903197407722473}],"sentiment":"neutral","sentiment_score":0.07903197407722473,"channel":1,"num_words":1,"start":1361.505,"end":1362.005},{"sentences":[{"text":"But currently, you're happy sort of just not having trauma insurance, or is it 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poorly.","start":1384.1849,"end":1392.6849,"sentiment":"negative","sentiment_score":-0.3745805766131427},{"text":"A lot of it was propped up by some of your other investments, so it could have been a lot worse.","start":1393.7849,"end":1397.625,"sentiment":"negative","sentiment_score":-0.41052902880169095},{"text":"But then, obviously, the markets as a whole are down a little bit at the moment as well within regards to that, but we will","start":1397.625,"end":1402.9199,"sentiment":"neutral","sentiment_score":-0.24463488519191742}],"sentiment":"neutral","sentiment_score":-0.3118879943449273,"channel":0,"num_words":117,"start":1372.51,"end":1402.9199},{"sentences":[{"text":"Yep.","start":1402.87,"end":1403.37,"sentiment":"neutral","sentiment_score":0.07861614972352982}],"sentiment":"neutral","sentiment_score":0.07861614972352982,"channel":1,"num_words":1,"start":1402.87,"end":1403.37},{"sentences":[{"text":"look at that update for you if that makes sense moving 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agreement?","start":1408.36,"end":1414.8351,"sentiment":"neutral","sentiment_score":0.08527506572695878}],"sentiment":"neutral","sentiment_score":0.09489131442926547,"channel":0,"num_words":27,"start":1407.72,"end":1414.8351},{"sentences":[{"text":"No.","start":1414.9451,"end":1415.3451,"sentiment":"neutral","sentiment_score":0.11818234622478484},{"text":"It all seems pretty good.","start":1415.3451,"end":1416.385,"sentiment":"neutral","sentiment_score":0.2987030506134033},{"text":"Yeah.","start":1416.385,"end":1416.885,"sentiment":"neutral","sentiment_score":0.13122650980949402}],"sentiment":"neutral","sentiment_score":0.2489891584430422,"channel":1,"num_words":7,"start":1414.9451,"end":1416.885},{"sentences":[{"text":"As an estimated fee based on your balance will be around the 1,300 mark.","start":1417.295,"end":1421.4551,"sentiment":"neutral","sentiment_score":0.08751041761466435},{"text":"It's like that sort of each month as a proportion across the twelve months based on that 1.65% just as what you're agreeing to there.","start":1421.4551,"end":1429.2001,"sentiment":"neutral","sentiment_score":0.07966981932520867},{"text":"So make sure you have a read of that, make sure you're happy with that in regards to fee you are signing and the service.","start":1429.2001,"end":1434.4,"sentiment":"neutral","sentiment_score":0.1408838027715683},{"text":"But in saying that, they have updated that ongoing service agreement and financial services guide to have a look at that.","start":1434.4,"end":1440.1001,"sentiment":"neutral","sentiment_score":0.09047333381715275}],"sentiment":"neutral","sentiment_score":0.10163442834335215,"channel":0,"num_words":85,"start":1417.295,"end":1440.1001},{"sentences":[{"text":"Yep.","start":1440.26,"end":1440.615,"sentiment":"neutral","sentiment_score":0.08760460466146469}],"sentiment":"neutral","sentiment_score":0.08760460466146469,"channel":1,"num_words":1,"start":1440.26,"end":1440.615},{"sentences":[{"text":"And you can sort of, at any point, opt out.","start":1440.4,"end":1442.7749,"sentiment":"neutral","sentiment_score":0.08159366101026536},{"text":"So there's no sort of fear of lock in if you ever wanted to leave in the middle of your sort of contract or service","start":1442.7749,"end":1448.695,"sentiment":"neutral","sentiment_score":0.003166925311088562}],"sentiment":"neutral","sentiment_score":0.02557456408228193,"channel":0,"num_words":35,"start":1440.4,"end":1448.695},{"sentences":[{"text":"Oh, yeah.","start":1448.455,"end":1448.855,"sentiment":"neutral","sentiment_score":0.0668993666768074}],"sentiment":"neutral","sentiment_score":0.0668993666768074,"channel":1,"num_words":2,"start":1448.455,"end":1448.855},{"sentences":[{"text":"agreement.","start":1448.695,"end":1449.195,"sentiment":"neutral","sentiment_score":0.07020184397697449}],"sentiment":"neutral","sentiment_score":0.07020184397697449,"channel":0,"num_words":1,"start":1448.695,"end":1449.195},{"sentences":[{"text":"No worries.","start":1448.855,"end":1449.515,"sentiment":"neutral","sentiment_score":0.1692732498049736},{"text":"That's cool.","start":1449.655,"end":1450.295,"sentiment":"neutral","sentiment_score":0.29851552844047546},{"text":"Yep.","start":1450.295,"end":1450.795,"sentiment":"neutral","sentiment_score":0.20580147206783295}],"sentiment":"neutral","sentiment_score":0.22827580571174622,"channel":1,"num_words":5,"start":1448.855,"end":1450.795},{"sentences":[{"text":"Perfect.","start":1451.255,"end":1451.755,"sentiment":"positive","sentiment_score":0.3684347867965698},{"text":"Do you have anything for me before I let you go there, Dylan?","start":1451.975,"end":1454.79,"sentiment":"neutral","sentiment_score":0.10681238827797082}],"sentiment":"neutral","sentiment_score":0.12549970245787076,"channel":0,"num_words":14,"start":1451.255,"end":1454.79},{"sentences":[{"text":"No.","start":1455.11,"end":1455.27,"sentiment":"neutral","sentiment_score":0.03974766656756401},{"text":"That's all.","start":1455.27,"end":1455.8301,"sentiment":"neutral","sentiment_score":0.0619824081659317},{"text":"Yeah.","start":1455.8301,"end":1456.0701,"sentiment":"neutral","sentiment_score":0.25231000781059265},{"text":"Sounds pretty good.","start":1456.0701,"end":1457.05,"sentiment":"positive","sentiment_score":0.5491951704025269}],"sentiment":"neutral","sentiment_score":0.2948011431310858,"channel":1,"num_words":7,"start":1455.11,"end":1457.05},{"sentences":[{"text":"Perfect.","start":1457.67,"end":1458.0701,"sentiment":"positive","sentiment_score":0.4140957593917846},{"text":"No worries.","start":1458.0701,"end":1458.63,"sentiment":"neutral","sentiment_score":0.19424685835838318},{"text":"Well, I'll get a start on that note and everything like that, and then we'll be in touch once they've sort of put that together to be able to update that portfolio for you moving forward.","start":1458.63,"end":1466.9701,"sentiment":"neutral","sentiment_score":0.2392235261698564}],"sentiment":"neutral","sentiment_score":0.24140093380059952,"channel":0,"num_words":39,"start":1457.67,"end":1466.9701},{"sentences":[{"text":"Yep.","start":1467.3501,"end":1467.75,"sentiment":"neutral","sentiment_score":0.21936403214931488},{"text":"Sounds good.","start":1467.75,"end":1468.605,"sentiment":"neutral","sentiment_score":0.25173526257276535}],"sentiment":"neutral","sentiment_score":0.2409448524316152,"channel":1,"num_words":3,"start":1467.3501,"end":1468.605},{"sentences":[{"text":"But you largely haven't had any issues with Hub itself or the platform or accessing it or generating any reports and things like that?","start":1468.9651,"end":1476.425,"sentiment":"neutral","sentiment_score":-0.17730400835474333}],"sentiment":"neutral","sentiment_score":-0.17730400835474333,"channel":0,"num_words":24,"start":1468.9651,"end":1476.425},{"sentences":[{"text":"No.","start":1476.605,"end":1476.845,"sentiment":"negative","sentiment_score":-0.4492584466934204},{"text":"Not so being pretty good.","start":1476.845,"end":1477.885,"sentiment":"negative","sentiment_score":-0.4941734135150909},{"text":"Yeah.","start":1477.885,"end":1478.205,"sentiment":"neutral","sentiment_score":-0.07251393795013428},{"text":"Yep.","start":1478.205,"end":1478.705,"sentiment":"neutral","sentiment_score":0.0712851732969284}],"sentiment":"negative","sentiment_score":-0.3651692848652601,"channel":1,"num_words":8,"start":1476.605,"end":1478.705},{"sentences":[{"text":"Not a problem at all.","start":1479.3,"end":1480.4401,"sentiment":"neutral","sentiment_score":0.15481258928775787},{"text":"Well, if you don't have anything for me, I'll let you get back to your day.","start":1480.5,"end":1482.7401,"sentiment":"neutral","sentiment_score":0.15405418211594224},{"text":"Thanks for your time.","start":1482.7401,"end":1483.3801,"sentiment":"positive","sentiment_score":0.5456142127513885},{"text":"I'm sure we'll be in touch shortly.","start":1483.3801,"end":1485.0,"sentiment":"neutral","sentiment_score":0.2231403248650687}],"sentiment":"neutral","sentiment_score":0.21823028079234064,"channel":0,"num_words":32,"start":1479.3,"end":1485.0},{"sentences":[{"text":"Yep.","start":1485.1509,"end":1485.471,"sentiment":"neutral","sentiment_score":0.08717407286167145},{"text":"No.","start":1485.471,"end":1485.7109,"sentiment":"neutral","sentiment_score":0.16527879238128662},{"text":"Good on you.","start":1485.7109,"end":1486.1909,"sentiment":"positive","sentiment_score":0.41553182403246564},{"text":"Appreciate it.","start":1486.1909,"end":1487.091,"sentiment":"positive","sentiment_score":0.5099778175354004}],"sentiment":"positive","sentiment_score":0.3598577103444508,"channel":1,"num_words":7,"start":1485.1509,"end":1487.091},{"sentences":[{"text":"No problem, Dwight.","start":1487.14,"end":1487.8601,"sentiment":"positive","sentiment_score":0.3953562577565511},{"text":"Enjoy the rest of your day.","start":1487.8601,"end":1488.66,"sentiment":"positive","sentiment_score":0.5753459433714548},{"text":"Thanks.","start":1488.66,"end":1489.06,"sentiment":"positive","sentiment_score":0.43240612745285034}],"sentiment":"positive","sentiment_score":0.5070550560951232,"channel":0,"num_words":10,"start":1487.14,"end":1489.06},{"sentences":[{"text":"Thank","start":1488.9109,"end":1489.1509,"sentiment":"positive","sentiment_score":0.45565539598464966}],"sentiment":"positive","sentiment_score":0.45565539598464966,"channel":1,"num_words":1,"start":1488.9109,"end":1489.1509},{"sentences":[{"text":"Bye.","start":1489.06,"end":1489.56,"sentiment":"positive","sentiment_score":0.4086276888847351}],"sentiment":"positive","sentiment_score":0.4086276888847351,"channel":0,"num_words":1,"start":1489.06,"end":1489.56},{"sentences":[{"text":"you.","start":1489.1509,"end":1489.471,"sentiment":"positive","sentiment_score":0.3611607551574707},{"text":"You too.","start":1489.471,"end":1489.9509,"sentiment":"neutral","sentiment_score":0.2685896009206772},{"text":"See you.","start":1489.9509,"end":1490.611,"sentiment":"neutral","sentiment_score":0.19421234726905823}],"sentiment":"neutral","sentiment_score":0.2573529303073883,"channel":1,"num_words":5,"start":1489.1509,"end":1490.611}]},"summary":{"result":"success","short":"A representative from IP Financial calls Edwin to discuss his upcoming interview and review, including his personal information, work history, and finances. They update his assets and liabilities, including his mortgage and mortgage value, and suggest refinancing to offset debt. The agent asks about Edwin's health and retirement plans, including his mortgage, credit cards, and firearms, and discusses his investment portfolio, risk profiles, and investment strategies. The agent suggests updating his coverage and financial information, and ends the call by thanking Edwin and offering future follow-up."},"intents":{"segments":[{"text":"I do scheduled in for you and review. Is now still a good time for you?","start_word":28,"end_word":43,"intents":[{"intent":"Schedule review","confidence_score":0.683222}]},{"text":"Just before we jump into that one there, do you mind if I could pass through security with that name, date of birth, and current address so we can get stuck into that one? Yep.","start_word":51,"end_word":85,"intents":[{"intent":"Pass through security","confidence_score":0.6943457}]},{"text":"sort of any questions you have. Now this will be going out to just the end of the review pack to your email there, which will be smittytb@gmail.com. Is that correct? Yeah.","start_word":164,"end_word":195,"intents":[{"intent":"Answer questions","confidence_score":0.33625907}]},{"text":"And then as far as the signable documents in the link there, you'll also have the new TFN opt in, which is tax file number opt in form, and then the ongoing service agreement if you were happy with the service and staying on for the next twelve month period, if that makes sense. Yeah.","start_word":268,"end_word":322,"intents":[{"intent":"Update documents","confidence_score":0.013217026},{"intent":"Assist with documents","confidence_score":0.0021597813}]},{"text":"And then as far as, like, any sort of salary sacrifice or any other contributions to Super, have you thought about that? Is that something you sort of thought about in the future or not too interested in the moment?","start_word":1012,"end_word":1051,"intents":[{"intent":"Discuss salary sacrifice","confidence_score":0.15228856}]},{"text":"And then with your employer, do you have any sort of, like, EBA that you're under or sort of agreement other than just your employment contract? No.","start_word":1063,"end_word":1089,"intents":[{"intent":"Discuss employment contract","confidence_score":0.009030509}]},{"text":"And I'll just update your assets and liabilities.","start_word":1097,"end_word":1104,"intents":[{"intent":"Update assets","confidence_score":0.117222235}]},{"text":"It's worth around the $2.60. Is that roughly the same, or is that That value would have gone up here. yep.","start_word":1113,"end_word":1133,"intents":[{"intent":"Verify value","confidence_score":0.0003474126}]},{"text":"And do you know roughly what your mortgage is going on that one at the moment? Yeah.","start_word":1168,"end_word":1184,"intents":[{"intent":"Ask about mortgage","confidence_score":0.021189002}]},{"text":"And do how much is left owing on that one? Nothing.","start_word":1245,"end_word":1255,"intents":[{"intent":"Considering current amount","confidence_score":4.2802263e-8}]},{"text":"And then I know you had a truck at one point. Do you still have that truck? No.","start_word":1261,"end_word":1278,"intents":[{"intent":"Ask about current vehicle","confidence_score":0.0055102366}]},{"text":"Do you still have a bit of a cash buffer in savings? Yes. Yep.","start_word":1324,"end_word":1337,"intents":[{"intent":"Inquire about cash buffer","confidence_score":0.114833295}]},{"text":"And then with, obviously, everything that's going on or anything, when's the last time you sort of refinanced on your home or had a look at refinancing with the property increase value?","start_word":1368,"end_word":1399,"intents":[{"intent":"Discuss refinancing options","confidence_score":0.07800955}]},{"text":"And I'll just double check-in regards to your account there. So I'm just double checking to see if there's any beneficiaries on your current account.","start_word":2035,"end_word":2059,"intents":[{"intent":"Check accounts","confidence_score":0.0033919255}]},{"text":"So with that, just given that you sort of are separated now that, like, is a chance that, like, sort of still being your spouse, that is fine or sort of, you know, if you are providing financial support to her and, obviously, for your child that it can be like an interdependent relationship with not being sort of currently together.","start_word":2090,"end_word":2150,"intents":[{"intent":"Provide financial support","confidence_score":0.70229656}]},{"text":"once your child does hit 18, they also are no longer a tax dependent if you're not supporting them financially, and they also can get taxed and no longer tax dependent and don't receive those funds tax free generally as well. Just something to be mindful Okay.","start_word":2256,"end_word":2302,"intents":[{"intent":"Identify tax-dependent income","confidence_score":0.00038518084}]},{"text":"Now in regards to your goals and what you're trying to achieve, I know you were just sort of looking at paying down that mortgage and looking at investment property in the future. Is that sort of still the the main goal? Yes.","start_word":2306,"end_word":2348,"intents":[{"intent":"Address goals","confidence_score":0.035211846}]},{"text":"Do you have any short term goals that you're working towards at the moment? Just trying to conquer the cost of living here. Yeah.","start_word":2351,"end_word":2374,"intents":[{"intent":"Determine income level","confidence_score":0.016899755}]},{"text":"The wage increases really aren't sort of keeping pace even with what the cost of No. living is going up each year. So just everyone's That's getting right. a bit more each year, so it's a bit rough. Yes.","start_word":2400,"end_word":2438,"intents":[{"intent":"Decrease wage increases","confidence_score":0.00030006244}]},{"text":"But we will go through a quick risk profile questionnaire and just make sure that's in line with what we currently got you invested in. Now have you done any direct share investments since we last sort of spoke at all there? No.","start_word":2440,"end_word":2482,"intents":[{"intent":"Seek investment advice","confidence_score":0.00090093305}]},{"text":"Now have you done any direct share investments since we last sort of spoke at all there? No.","start_word":2465,"end_word":2482,"intents":[{"intent":"Discuss portfolio investment","confidence_score":0.0013349488},{"intent":"Discuss investment investments","confidence_score":0.013152342}]},{"text":"And then if within six months, like, your portfolio decreased by 20% just due to, like, the general market trends, like, with everything going on the war and everything like that, would you still hold and wait for that improve? Would you wanna look at sort of minimizing that by going to some more conservative assets or still, like, keep Yeah.","start_word":2521,"end_word":2581,"intents":[{"intent":"Maximize portfolio changes","confidence_score":0.000072771014}]},{"text":"Now within regards to that one, I'm not too sure if you got your email up in front of you there of those reports, but we can look to do a bit of an update to see if we can put you in a bit of a better position to diversify a little bit better away from such a key holding in those actively managed funds, or we can to put you in sort of a more passive index approach, which is cheaper overall.","start_word":2985,"end_word":3068,"intents":[{"intent":"Evaluate portfolio diversify","confidence_score":0.07186707}]},{"text":"You're just sort of tracking what the indexes are doing.","start_word":3093,"end_word":3102,"intents":[{"intent":"Track indexes and balance investments","confidence_score":0.00008298306}]},{"text":"Now in regards to that, in regards to your income and with your life insurance and income protection and total permanent disability, have you had a look at those with the renewal and had a look and see if you're happy with that? Or Yeah.","start_word":3475,"end_word":3519,"intents":[{"intent":"Assess income and insurance coverage levels and determine satisfaction with disability coverage and the amount of debt","confidence_score":3.591656e-16}]},{"text":"Oh, yeah.","start_word":3679,"end_word":3680,"intents":[{"intent":"Discuss the need for government assistance programs and insurance coverage","confidence_score":0.00076677755}]},{"text":"Otherwise, you'd sort of if you want to replace your income for, you know, that ten plus years, given your age, you'd be looking sort of closer to, like, a million dollars worth of cover and trying to, you know, cover the longer term.","start_word":3683,"end_word":3726,"intents":[{"intent":"Discuss the benefits of rescheduling or replacing income for the longer term","confidence_score":8.6105395e-8}]},{"text":"Given that you can cover for up to 70% of your your current income, you're currently coming for around 4,900 as a monthly benefit that can that is taxed as well.","start_word":3804,"end_word":3834,"intents":[{"intent":"Determine policy benefits","confidence_score":0.0003928088}]},{"text":"The only other thing insurance that you don't have is trauma cover.","start_word":4174,"end_word":4185,"intents":[{"intent":"Clarify insurance coverage","confidence_score":0.05039892}]},{"text":"Now as far as the performance for the last twelve months too with how things are traveling, it did around negative 1.77 given you have the higher allocation to that bed along fund.","start_word":4495,"end_word":4527,"intents":[{"intent":"Check portfolio performance","confidence_score":0.0030989323}]},{"text":"Well, if you don't have anything for me, I'll let you get back to your day. Thanks for your time.","start_word":4889,"end_word":4908,"intents":[{"intent":"Return to business","confidence_score":8.860158e-7}]},{"text":"No problem, Dwight. Enjoy the rest of your day. Thanks.","start_word":4923,"end_word":4932,"intents":[{"intent":"End conversation","confidence_score":0.12501559}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.07181470096111298},{"text":"Good afternoon, Edwin.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.39675173163414},{"text":"It's Carl calling from IP Financial. How are you today?","start_word":4,"end_word":13,"sentiment":"neutral","sentiment_score":0.2793639302253723},{"text":"Good, mate.","start_word":14,"end_word":15,"sentiment":"positive","sentiment_score":0.4891481399536133},{"text":"How are you? Yeah.","start_word":16,"end_word":19,"sentiment":"neutral","sentiment_score":0.28839123249053955},{"text":"Not too bad at all. Thanks for asking. I do scheduled in for you and review. Is now still a good time for you?","start_word":20,"end_word":43,"sentiment":"positive","sentiment_score":0.42785200476646423},{"text":"Yeah. Yep. Yep. Not a problem.","start_word":44,"end_word":49,"sentiment":"neutral","sentiment_score":0.2211914509534836},{"text":"Perfect.","start_word":50,"end_word":50,"sentiment":"positive","sentiment_score":0.4618731737136841},{"text":"Just before we jump into that one there, do you mind if I could pass through security with that name, date of birth, and current address so we can get stuck into that one? Yep. 21st August 95 And 142 Railway Terrace Point Pass.","start_word":51,"end_word":94,"sentiment":"neutral","sentiment_score":0.06980021297931671},{"text":"Perfect. Thank you for that one.","start_word":95,"end_word":100,"sentiment":"positive","sentiment_score":0.5738081932067871},{"text":"Now I know it's been a while since you had your last interview. I think it was a mixture of being able to get ahold of you and then also the business to get a little bit busy with some changes that did occur. So apologies for the wait, but we'll get that under the one to work today Yep. and answer Alright. sort of any questions you have. Now this will be going out to just the end of the review pack to your email there, which will be smittytb@gmail.com. Is that correct? Yeah. That's the one. Yep.","start_word":101,"end_word":199,"sentiment":"neutral","sentiment_score":0.03315339609980583},{"text":"Perfect.","start_word":200,"end_word":200,"sentiment":"positive","sentiment_score":0.33882755041122437},{"text":"So that should arrive shortly. Now within that document there, it's coming through Odoo, which is a bit different to, like, a DocuSign you probably previously used. It is still, like, a email signing software. You'll have your attachments there. We'll have, like, the Vanguard chart, your asset performance, the distributive currency for your insurances there, and then also the new up to date financial services guides. And then as far as the signable documents in the link there, you'll also have the new TFN opt in, which is tax file number opt in form, and then the ongoing service agreement if you were happy with the service and staying on for the next twelve month period, if that makes sense. Yeah. No worries. Perfect. Now with that one as well, we will just quickly go through and make sure everything is up to date there. Now you said your address is still the same. Do you still have your PO box as well? Yes. I do. Yep. I mean, that's the one four seven point pass most Yep. of That's correct. And as far as the moment, I still have you you're single. Has that changed all in the last sort of twelve ish months since we last spoke? No. Still the same. And we don't have a next of kin contact in the event that we couldn't reach you. Did you wanna track anyone down? Or I don't know. I have to think about that. Yep.","start_word":201,"end_word":448,"sentiment":"neutral","sentiment_score":0.05927406633723407},{"text":"That's very fine. It's good to see, like, you know, sister's brother is just a friend or a parent. It's only in the event that we couldn't contact you for an extended period of time they'd probably reach out to this person. But if you don't wanna track anything down now, that's perfectly fine.","start_word":449,"end_word":502,"sentiment":"positive","sentiment_score":0.4098482728004456},{"text":"No. That's right. Yeah. I was thinking about that one. No problem. And as far as your work at the moment, are you still doing the farmhand work? Correct. Yep. Yep. And then with the company, is it still Master Farming? No. It's different now. Yep. Who are you working for at the moment? Vauxhall Family Trading Trust. It's it goes under. And sorry. How do you spell that one? Is it just like box, or is it Yeah. B o b o x a, double yep. l, Family Trading Trust. Perfect. And as far as your role with that one, is that changed or with that different employer? No. Still the same. Still farming. Yeah. Perfect. Still a 100% in the field. Yep. Perfect. And then as far as your hours per week, do you know roughly what you're doing as an hour there? You've got 50. Roughly 50 out of the way. Do you get any overtime with that one, or is it just standard hours? No. So just flat. Right? Yeah.","start_word":503,"end_word":676,"sentiment":"neutral","sentiment_score":0.0185440245202218},{"text":"Perfect.","start_word":677,"end_word":677,"sentiment":"positive","sentiment_score":0.5926945805549622},{"text":"And have you got any other qualifications since we last spoke at all in regards to your occupation? What have you got down? I believe just a couple of licenses in regarding to the trucks and the the tractor driving. But is there anything else? I think I'd give the Kempson. Yeah. Probably everything you've got already. Yeah. Nothing really changed. I've just updated it. Yep. Perfect. And apart from the general sort of farm work, are you doing any sort of heights work or any other hazardous materials apart from, like, maybe a bit of fertilizer, anything like like that? No. No. And how long have you been doing that for now, if you don't mind me asking? This job or the job in general? Just farming in general. I found in general. I've done it my well, since I left since I was old enough to do it. Been a whole lot, actually. Yep. That looks so good. Nearly probably twenty twenty years probably, but it sounds Yes. a bit just yeah. Just straight straight into it and didn't leave. That's right. Yeah. Setting up the school, and then, yeah, once I left school, I've heard you went into farming, and that was it. Yeah. Perfect. Not a problem. And then as far as that employment, you've probably only been there a couple of years now. Yeah. June, I started here. And do you know roughly what your annual income is now with that new one? Not off the top. It'd be at least 90. Yep. Really? And do you know roughly sort of what your outgoing is versus what your savings is looking like at the moment? Yeah. With the old way everything's going, it's nearly half. Half comes in and half goes out straight away. Yeah. No. I completely understand. Well, the cost of fuel is definitely not getting any cheaper at the moment, so it's probably No. gonna No. swing the other way a little bit. Yeah.","start_word":678,"end_word":1009,"sentiment":"neutral","sentiment_score":0.017072474359568345},{"text":"Exactly. Perfect.","start_word":1010,"end_word":1011,"sentiment":"positive","sentiment_score":0.6022771000862122},{"text":"And then as far as, like, any sort of salary sacrifice or any other contributions to Super, have you thought about that? Is that something you sort of thought about in the future or not too interested in the moment? No. I think I'm pretty right at the moment. Yeah. Right. And then with your employer, do you have any sort of, like, EBA that you're under or sort of agreement other than just your employment contract? No. Just not even going on contract. Perfect. And I'll just update your assets and liabilities. So I know you got the house there. It's worth around the $2.60. Is that roughly the same, or is that That value would have gone up here. yep. So probably sitting around the $3.20 sort of maybe, Mark. Yeah. Yeah. $3.20 to $3.50, something like that. Just with land value, I mean, the way it is now and housing here. Yeah. Exactly. And do you know roughly what your mortgage is going on that one at the moment? Yeah. 140. $1.40 per week. And I know you had a there with around sort of the 30 mark with about 20 owing. Is that sort of paid down a bit now? Yeah. I own that completely now. Yep. Perfect. And And then I bought another one last year that was, like, in front of new ranges. That was $60. 60. And do how much is left owing on that one? Nothing. I bought it outright. Perfect. And then I know you had a truck at one point. Do you still have that truck? No. No. I got rid of that. Yeah. Not a problem. And then I know you had about 3,000 worth of firearms. Is that still roughly the same? Yep. That's about right. And with the new purchase, I know you had a decent chunk in savings. Do you still have a bit of a cash buffer in savings? Yes. Yep. Do you know roughly what that's sitting at at the moment? 42. And is that an offset or just like a general savings account?","start_word":1012,"end_word":1361,"sentiment":"neutral","sentiment_score":0.006968578808009624},{"text":"I like incentive saver. Yeah.","start_word":1362,"end_word":1366,"sentiment":"positive","sentiment_score":0.49048155546188354},{"text":"Yep. And then with, obviously, everything that's going on or anything, when's the last time you sort of refinanced on your home or had a look at refinancing with the property increase value? I did a one of those health checks on my mortgage not long ago, but they couldn't offer me anything else. I didn't look at refinancing anything. I just looked trying to get better rate. So it's the refinance. I haven't looked at any of that. Yeah. Obviously, with the the rates kind of going up at the moment, like, there's a good chance that it'll kind of keep going. I don't know if you're on variable or on a fixed Yeah. at the moment. Variable. Yeah. So if you did want to sort of have a look into it, you can sort of reach out. We can put you in touch with one of the mortgage brokers and just sort of see if they're sort of willing to offer any sort of fixed rates or any sort of terms. But, obviously, if the war sort of ends in a quickly sort of manner, there's a chance, like, in the future, the rates might drop again. It's Yeah. That's sort of a right. bit up in the air, so I'm not too sure if you would wanna look at sort of fixing a term or not and things like that. But it is an option if you do wanna sort of reach out and have a look at what that might look like. Yeah. Okay. No worries. And then also if the, like, interest rate obviously goes up, you can sort of go to your current lender and talk about maybe an offset account and then putting your savings off on that to potentially offset your debt instead of, like, accruing the interest depending on what your interest you're getting versus what the current rate of your home loan gets to to sort of ease the the repayments there. You wouldn't be getting your interest, but you'd be offsetting, you know, $40 of your your home loans. You're only paying interest on a $100 worth of that. Yes. Yeah. They did talk about doing something like that. So, yeah, that's something I have kept in mind. Yeah. Yeah. So it's a bit of an option depending on, you know, obviously, the interest rate doesn't always keep sort of par with what mortgage rates might jump to. So it's just something to be mindful of that you can sort of do as part of that. And as far as anything else that sort of haven't mentioned, any caravans, you know, boats, things like that that you've Yep. got at the moment? No. Nothing on that. No. Not a problem. And there's a few questions here that are a bit random, but just haven't been on the questions previously. But have you ever declared bankruptcy previously? No. Yep. And are you a tax resident for any other foreign jurisdiction or anywhere else? What? Sorry. Like a tax resident anywhere else outside of Australia? Oh, no. No. I mean and you're not involved in any sort of politics or any family in politics or anything like that? Nope. Not Perfect. And as far as smoking, nonsmoke, you're still nonsmoking? smoking. Yep. I mean, as far as, like, your health, how's that been for the last sort of twelve to eighteen months there? No injuries or any medications currently? No. No. All good. Perfect. And do you hold private health cover at the moment? Yes. Perfect. Is that, like, hospitals and extras? Yeah. That's correct. Yep. Perfect. And then as far as the will and a power of attorney, things like that, have you done anything in regards to your estate planning recently? Yes. I did a wheel the six months ago, I suppose. Yeah. Perfect. And did you do, like, a power of attorney with in conjunction with that? Yes. Yep.","start_word":1367,"end_word":2027,"sentiment":"neutral","sentiment_score":0.023765951441530472},{"text":"Brilliant. That's what we like to hear.","start_word":2028,"end_word":2034,"sentiment":"positive","sentiment_score":0.38857460021972656},{"text":"And I'll just double check-in regards to your account there. So I'm just double checking to see if there's any beneficiaries on your current account. Yep. And I've got Billy Kaye and Oliver Andrew Schmidt as your beneficiaries at the moment. Oh, yes. Yep. So that's, yeah. That's my lads or lads mother. Yeah. Yep. So with that, just given that you sort of are separated now that, like, is a chance that, like, sort of still being your spouse, that is fine or sort of, you know, if you are providing financial support to her and, obviously, for your child that it can be like an interdependent relationship with not being sort of currently together. The spouse sort of title is a bit could be gone anyway because spouses generally get the the funds as a tax free distribution, whereas, you know, interdependent, there may still be some tax applied and things like that. So that's just something to be mindful of. But if you are supporting her financially, she does form part of, like, the independent relationship, so can still be on the form. The other Yep. way is you can leave it to the will, and it gets taxed a bit differently going to the will, and then it can be distributed that way as well. Also, Yep. once your child does hit 18, they also are no longer a tax dependent if you're not supporting them financially, and they also can get taxed and no longer tax dependent and don't receive those funds tax free generally as well. Just something to be mindful Okay. of. Yep.","start_word":2035,"end_word":2304,"sentiment":"neutral","sentiment_score":0.11036144196987152},{"text":"Perfect.","start_word":2305,"end_word":2305,"sentiment":"positive","sentiment_score":0.6335212588310242},{"text":"Now in regards to your goals and what you're trying to achieve, I know you were just sort of looking at paying down that mortgage and looking at investment property in the future. Is that sort of still the the main goal? Yes. Yep. Yep. Do you have any short term goals that you're working towards at the moment? Just trying to conquer the cost of living here. Yeah.","start_word":2306,"end_word":2374,"sentiment":"neutral","sentiment_score":0.29285842180252075},{"text":"It's definitely not getting any cheaper at the moment with everything going on, So no.","start_word":2375,"end_word":2389,"sentiment":"negative","sentiment_score":-0.5105761885643005},{"text":"which is Not really.","start_word":2390,"end_word":2393,"sentiment":"neutral","sentiment_score":-0.3230287432670593},{"text":"a bit unfortunate.","start_word":2394,"end_word":2396,"sentiment":"negative","sentiment_score":-0.5266340374946594},{"text":"Yeah. Yeah. Yeah. The wage increases really aren't sort of keeping pace even with what the cost of No. living is going up each year. So just everyone's That's getting right. a bit more each year, so it's a bit rough. Yes. Exactly. But we will go through a quick risk profile questionnaire and just make sure that's in line with what we currently got you invested in. Now have you done any direct share investments since we last sort of spoke at all there? No. No. Yep. No. That's perfectly fine. Are we still investing that long term? But are you considering yourself still a bit of a higher risk taker there Yes. in terms of, like, the risk reward? Yep. Yep.","start_word":2397,"end_word":2519,"sentiment":"neutral","sentiment_score":-0.049345046281814575},{"text":"Perfect.","start_word":2520,"end_word":2520,"sentiment":"positive","sentiment_score":0.3481041491031647},{"text":"And then if within six months, like, your portfolio decreased by 20% just due to, like, the general market trends, like, with everything going on the war and everything like that, would you still hold and wait for that improve? Would you wanna look at sort of minimizing that by going to some more conservative assets or still, like, keep Yeah. Yeah. That investing is what it is. It's gonna market's gonna go for down and market will come back up again. So, yeah, growth? keep playing on. Perfect. And then within regards to, like, it dropping, did that make you a little bit cautious or you sort of just, like, bit out of sight out of mind with how long you got till retirement? Yeah. Pretty well. I don't even to be honest, I don't even look at it really. I might look once every couple of months if I think about it, but, yeah, I don't even really watch it. Yep. Not a problem. And then as far as borrowed money, I know you said you invested in investment property, but do you ever put borrowed money into anything else? Maybe. Yeah. So I got involved in a business or something like that. Yeah. But other than that, probably just an investment property to start with.","start_word":2521,"end_word":2738,"sentiment":"neutral","sentiment_score":-0.02483572012855919},{"text":"Not a problem. So it does still bring out as a growth investor, which is what your current portfolio is. So currently about 8% in those growth assets and about 20% in those defensive assets, if that still makes sense.","start_word":2739,"end_word":2778,"sentiment":"positive","sentiment_score":0.41494330763816833},{"text":"Yep. Yeah. So given your time till retirement, you obviously still got quite a number of years until you hit your retirement years so you can take on that level of risk and even sort of more if you wanted to, but sort of growth is sort of that nice middle ground there with the eight Yep. percent growth, 20% defensive. Now, obviously, in regards to the last twelve months, it hasn't been too crash hot because the tariff talk at the start of the year recovered from that.","start_word":2779,"end_word":2867,"sentiment":"neutral","sentiment_score":0.04753933846950531},{"text":"And then, obviously, with the war, it's taken another bit of a dive in terms of, like, the superannuation balance.","start_word":2868,"end_word":2887,"sentiment":"negative","sentiment_score":-0.3351324200630188},{"text":"Yep. Now given that you do have such a large holding towards Venilon, which is an actively managed fund, around 26% and everything that did occur, they also had an underlying investment that wasn't reporting correctly.","start_word":2888,"end_word":2923,"sentiment":"neutral","sentiment_score":-0.09999986737966536},{"text":"So they got done for some dodgy accounting.","start_word":2924,"end_word":2931,"sentiment":"negative","sentiment_score":-0.37061285972595215},{"text":"And then as a result, Benelon had to reevaluate that stock, and then their funds sort of dropped in relation to that plus the war as well. Now given your time on board, we could possibly look to updating your portfolio to making sure that moving forward if that doesn't sort of happen. Now within regards to that one, I'm not too sure if you got your email up in front of you there of those reports, but we can look to do a bit of an update to see if we can put you in a bit of a better position to diversify a little bit better away from such a key holding in those actively managed funds, or we can to put you in sort of a more passive index approach, which is cheaper overall. Still has, like, the same allocation to, like, growth assets, but you don't have those active fund managers trying to outperform the market. You're just sort of tracking what the indexes are doing.","start_word":2932,"end_word":3101,"sentiment":"neutral","sentiment_score":-0.05565567402278676},{"text":"Yep. Now with that, it's obviously lower cost over a longer term period as well.","start_word":3102,"end_word":3116,"sentiment":"positive","sentiment_score":0.47427186369895935},{"text":"They generally tend to track better than those actively managed funds because, you know, they have a few really good years and then sometimes some bad years. I see a lot more volatility, much like what's happened with Venlo. Now, normally, you wouldn't sort of, you know, wanna sell low and buy it higher.","start_word":3117,"end_word":3170,"sentiment":"neutral","sentiment_score":0.012684098444879057},{"text":"But given what did occur with Benelung, the investment committee wants to move away from them moving forward anyway.","start_word":3171,"end_word":3189,"sentiment":"negative","sentiment_score":-0.35020729899406433},{"text":"Yep.","start_word":3190,"end_word":3190,"sentiment":"neutral","sentiment_score":-0.14011219143867493},{"text":"So that's just the business decision to move away from that specific actively managed fund.","start_word":3191,"end_word":3205,"sentiment":"negative","sentiment_score":-0.3605366349220276},{"text":"That's not to say you can't still remain some portion inactive, but moving forward, they would be looking to update that and get rid of that one at least and maybe update a few other things as well with the losses to offset those changes with the the loss to make sure you're not paying too much capital gains with any switches we do make. Yep. Now would you still wanna look to have, like, an active portion in your superannuation, or would you feel like you'd sort of be comfortable with the more passive approach that's a bit cheaper? Yeah. I reckon, yeah, we'll go with a more passive approach. You reckon that's doing alright? I think we'll give it a go. Yeah. So, obviously, you just have a little bit less risk at the same amount of exposure to growth assets. So you sort of track what the market's doing. Now we see for the next sort of three to six months, it might not do great in terms of the fact that with the war going on, but that's the market as a whole. And in that time period too, it's a lot harder to pick the sort of winners and losers as well. Yeah. If a fund does, obviously, you know, you get a lot more growth out of that in that time period, but then also they're picking and losing much like what Benelon Yep. did.","start_word":3206,"end_word":3446,"sentiment":"neutral","sentiment_score":-0.09410864114761353},{"text":"It's a lot that can sort of go wrong and sort of decrease in terms of that with the volatility that is going around at the moment.","start_word":3447,"end_word":3473,"sentiment":"negative","sentiment_score":-0.3849633634090424},{"text":"Perfect.","start_word":3474,"end_word":3474,"sentiment":"positive","sentiment_score":0.42017626762390137},{"text":"Now in regards to that, in regards to your income and with your life insurance and income protection and total permanent disability, have you had a look at those with the renewal and had a look and see if you're happy with that? Or Yeah. I think I come through a little while ago. I had yeah. I don't know. Yeah. It looks fine. yeah. So you've got about $2.90 in terms of life cover and same with the total parent disability, which Yep. given your current level of debt would go clear the debt and have a little bit extra on top of that plus whatever your superannuation balance is. Now Yep. in terms of, like, if you were never able to work again in the TPD side of things, given that you're quite young still, it might be sort of a little bit underinsured in terms of, like, you know, if you couldn't earn an income moving forward, if you did suffer a significant issue, it just means once you've paid off your debt and everything and sort of run out of that money, you just have to rely on some form of, like, government assistance programs, things like that as well. Oh, yeah. Righto. Yeah. Otherwise, you'd sort of if you want to replace your income for, you know, that ten plus years, given your age, you'd be looking sort of closer to, like, a million dollars worth of cover and trying to, you know, cover the longer term. But that's to say you are paying a higher price for that, and then, you know, there's no sort of guarantee you're ever gonna claim on that with that. Got No. That's right. No. I think I'm it. pretty happy where it is at the moment.","start_word":3475,"end_word":3772,"sentiment":"neutral","sentiment_score":-0.06243683397769928},{"text":"Perfect.","start_word":3773,"end_word":3773,"sentiment":"positive","sentiment_score":0.3835874795913696},{"text":"And then we get slight income increase there as well. Your income protection could be probably a little bit higher in terms of that the monthly cover amount Yep. Given that you can cover for up to 70% of your your current income, you're currently coming for around 4,900 as a monthly benefit that can that is taxed as well. That's like a pretax figure. Oh, okay. And 70% of your current income would be around the sort of $52.50 mark, so 5,250 in terms of, like, Yep. a monthly benefit amount you could cover for. Yep. Now within regards to that, you can look to do with Clearview a 15% increase with in regards to your current policy, which would obviously increase the price as well. It would sort of mean that you're looking to increase your current amount based on your payslips and income increase up by 15% with the future increase and your pay increase that you did have. But, obviously, if you're comfortable with the cover amount, given that, you know, your your mortgage probably isn't a huge amount, if you can survive off that, you don't have to increase it.","start_word":3774,"end_word":3968,"sentiment":"neutral","sentiment_score":0.18864574287182245},{"text":"It's just something you can do with that income increase if you've sort of increased your living lifestyle with that increase as well, Yep.","start_word":3969,"end_word":3992,"sentiment":"positive","sentiment_score":0.35331016778945923},{"text":"if that makes sense. Yeah. No.","start_word":3993,"end_word":3998,"sentiment":"neutral","sentiment_score":0.26781365275382996},{"text":"That's alright. That's all good. Yeah.","start_word":3999,"end_word":4004,"sentiment":"positive","sentiment_score":0.49954017996788025},{"text":"That's probably not too bad.","start_word":4005,"end_word":4009,"sentiment":"neutral","sentiment_score":0.3325226604938507},{"text":"That'll yeah.","start_word":4010,"end_word":4011,"sentiment":"positive","sentiment_score":0.3568457067012787},{"text":"As long as we cover the morning, you know, that'll cover the bills if they're anywhere to happen. So I don't think that wouldn't be that'd be alright for for now. Yeah. Obviously, you can look at sort of changing that in the future. And then even sort of next year, you can look to sort of do that 15% increase to give you that bump up because currently, sort of now, if you did the 15%, it sort of it's up to the amount that you cut, like, 70% or, like, to the max 15% each year. And even Yep. then, like, 15% of your current policy, it would sort of go up to where your current needs would be and then some. So even if you look to do it next year, if you feel like you might need that with the cost of living increasing, you can look to do that next year as well.","start_word":4012,"end_word":4169,"sentiment":"neutral","sentiment_score":0.20558568722085108},{"text":"Okay. Now it's cool.","start_word":4170,"end_word":4173,"sentiment":"positive","sentiment_score":0.5287304520606995},{"text":"The only other thing insurance that you don't have is trauma cover. Not too sure how much you remember about trauma, but I just sort of mentioned it that you don't still have that cover, which is it's a lump sum payment you pay for outside of superannuation. It's gonna be paid out of pocket, and it's covering for things like heart attacks, strokes, those sort of conditions just to, like, sort of bridge the gap between income protection and total permanent disability. Ross. It's not something you have to have, but it's just to be mindful that you don't have that cover. And given those conditions, sort of, you may not fall under an IP claim or a TPD claim. It's just Okay. something yeah. A bit obviously, trauma insurance sort of bridges the gap with those other conditions. If you got diagnosed with, you know, some form of cancer, you may not sort of instantly be off work, but you may wanna take some time off. That's the sort of traumatic event that it covers in the event of. Got it. But if you're happy with the current cover, going back to underwriting just for trauma can be a little bit of a hassle, but then also that's just more stuff you with the time and going through the process of applying and underwriting. Yep. But if you did wanna look at change your insurance covers, if you did sort of take on a bit more debt with a different property and things like that as well, increasing your primary residence size, things like that, all that debt, we could look to revisit it all as a whole as well. Okay. But currently, you're happy sort of just not having trauma insurance, or is it something Yeah. you would wanna look at? Yeah. No. I don't think so. I think it'll be alright for a minute here.","start_word":4174,"end_word":4492,"sentiment":"neutral","sentiment_score":0.024382947012782097},{"text":"Perfect.","start_word":4493,"end_word":4493,"sentiment":"positive","sentiment_score":0.367736279964447},{"text":"Now as far as the performance for the last twelve months too with how things are traveling, it did around negative 1.77 given you have the higher allocation to that bed along fund.","start_word":4494,"end_word":4526,"sentiment":"neutral","sentiment_score":-0.246692419052124},{"text":"The rest of your portfolio, there are only a couple others that did underperform, but based on the fact that you have such a high allocation in that Bennelong is the reason that it did so poorly. A lot of it was propped up by some of your other investments, so it could have been a lot worse.","start_word":4527,"end_word":4584,"sentiment":"negative","sentiment_score":-0.3821495771408081},{"text":"But then, obviously, the markets as a whole are down a little bit at the moment as well within regards to that, but we will Yep. look at that update for you if that makes sense moving forward. Yeah. No worries.","start_word":4585,"end_word":4625,"sentiment":"neutral","sentiment_score":-0.0937393084168434},{"text":"Perfect.","start_word":4626,"end_word":4626,"sentiment":"positive","sentiment_score":0.3449137806892395},{"text":"But do you have any other questions in regards to any of that today, Dwayne, or any of the documents provided or your ongoing service agreement? No. It all seems pretty good. Yeah. As an estimated fee based on your balance will be around the 1,300 mark. It's like that sort of each month as a proportion across the twelve months based on that 1.65% just as what you're agreeing to there. So make sure you have a read of that, make sure you're happy with that in regards to fee you are signing and the service. But in saying that, they have updated that ongoing service agreement and financial services guide to have a look at that. Yep. And you can sort of, at any point, opt out. So there's no sort of fear of lock in if you ever wanted to leave in the middle of your sort of contract or service Oh, yeah. agreement. No worries. That's cool. Yep.","start_word":4627,"end_word":4788,"sentiment":"neutral","sentiment_score":0.0971703752875328},{"text":"Perfect.","start_word":4789,"end_word":4789,"sentiment":"positive","sentiment_score":0.3684347867965698},{"text":"Do you have anything for me before I let you go there, Dylan? No. That's all. Yeah.","start_word":4790,"end_word":4806,"sentiment":"neutral","sentiment_score":0.10541628301143646},{"text":"Sounds pretty good. Perfect.","start_word":4807,"end_word":4810,"sentiment":"positive","sentiment_score":0.49319058656692505},{"text":"No worries. Well, I'll get a start on that note and everything like that, and then we'll be in touch once they've sort of put that together to be able to update that portfolio for you moving forward. Yep.","start_word":4811,"end_word":4849,"sentiment":"neutral","sentiment_score":0.2323858141899109},{"text":"Sounds good.","start_word":4850,"end_word":4851,"sentiment":"positive","sentiment_score":0.41008052229881287},{"text":"But you largely haven't had any issues with Hub itself or the platform or accessing it or generating any reports and things like that?","start_word":4852,"end_word":4875,"sentiment":"neutral","sentiment_score":-0.17519153654575348},{"text":"No. Not so being pretty good.","start_word":4876,"end_word":4881,"sentiment":"negative","sentiment_score":-0.47911977767944336},{"text":"Yeah. Yep. Not a problem at all. Well, if you don't have anything for me, I'll let you get back to your day.","start_word":4882,"end_word":4904,"sentiment":"neutral","sentiment_score":0.13694873452186584},{"text":"Thanks for your time.","start_word":4905,"end_word":4908,"sentiment":"positive","sentiment_score":0.5399699211120605},{"text":"I'm sure we'll be in touch shortly. Yep. No.","start_word":4909,"end_word":4917,"sentiment":"neutral","sentiment_score":0.20320214331150055},{"text":"Good on you. Appreciate it. No problem, Dwight. Enjoy the rest of your day. Thanks. Thank Bye. you.","start_word":4918,"end_word":4935,"sentiment":"positive","sentiment_score":0.46180304884910583},{"text":"You too. See you.","start_word":4936,"end_word":4939,"sentiment":"neutral","sentiment_score":0.24415555596351624}],"average":{"sentiment":"neutral","sentiment_score":0.03812261264006059}}}}