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Did you still wanna have a chat today, or do you wanna just enjoy your time at She's like, I'm in the sun, the sand. I'm happy to chat. Perfect. Alright. Well, before we jump into it, I do need to let you know our call is recorded. And if I could just get you to confirm security for me. It's just full name, date of birth, and address. Address. Would I have another address for you? Yep. That's the one. I'm assuming we need to update them. Alright. Perfect. Alright. So the purpose of today's call is to go through and give you an update on where everything's at at the moment. And then, additionally, just walk you on on whether there's any advice strategies that we need to look at. One of the major points that we had noted on file was the opportunity to be able to actually have a look at your insurances. So a couple years ago, we transferred your insurance over to your hub twenty four, which gave you the capacity to have the little bit of life and total permanent disability in your hub twenty four fund. But I know that one of the goals that you were looking to achieve was to look at putting sort of, like, a million dollars in place. So that way, you know, the families will cover it and and everyone's okay if anything does happen. Now it's been providing I guess, we haven't strayed a little bit since. It's been a couple of years since any last drug use. And so we can definitely look at undertaking some insurance now and and go from there. So that's one of the things I definitely wanted to talk to you about today and just, a, make sure that everything's all kosher, see whether we were still wanting to look at that same benefit amount, And then, obviously, have a chat about where your super funds are and see whether there's anything else that you wanna do as well. Cool. Cool. There we are. So I guess the probably the best place to start would be to make sure that everything we have on file is actually up to date because it's been twelve months since we updated everything. So just to confirm, I have you married, and I have two sweet little ones who would be somewhere around the four and five mark. Yep. A five year old at school or not yet next year? Oh, right. It's blip, really. I just I sent my last to school this year. So I've got one in high school, and my last is just going to off to to primary school. And it's it's a feeling. Yeah. It's it's actually perfect. I've got four daughter stuck in the middle, and she's like, I didn't have anything exciting happening this year. I was like, everything is perfect. Amazing. Now with respect to occupation, I have you as a sole trader, so self employed. And you are, like, content creator, personal branding, affiliated marketing? Yeah. Perfect. And you've been doing that for sort of about three years or so? Amazing. And income wise, are we still sitting around that 60,000 a year? Perfect. Perfect. And with regards to savings on your income, do you put anything major away in savings each sort of, like, week or month? Perfect. So are we sort of living mainly off Corey's income? Yeah. Amazing. So his income is what sort of pays majority of the bills, and then you guys save with your income. Awesome. Because sort of just on just just over a third of your income's kinda going towards savings. Yeah. Perfect. That was gonna be my no. I love it. That was gonna be my next question was, what is the goal with that money? Are we looking to, like, invest it? Are we looking to buy a property? Or, like, is it travel? What are we sort of looking at doing? Yeah. Do we have do we have anywhere in mind that we're going next? Yes. Yeah. I know exactly where that is. Well, we're on the Gold Coast, so you can pop in and say hi. Yeah. Perfect. So we're gonna go for a nice, slow, straight shot through the middle. Yep. Beautiful. So I'm assuming the kids are homeschooled based on that. Yep. Yeah. So transitioning to, like, a home school so that way you guys can continue to travel. I love that. No. Perfect. And for now, it just means that you get to enjoy the the next six months or four days. Get some time on your head. Perfect. Now with with assets, has there been any major changes to your assets? Because I have, like, the caravan, about 80,000, the car with 40, and then you have one third ownership in investment property? Yep. Do you know what the investment property value is? I have about 40,000, like, value with about 160 owing. Yeah. That's okay. Are there any other assets? Like, what what kind of savings do we have in the bank account? Yeah. Thousand? Perfect. Amazing. And we don't have any credit cards or anything like that? Nope. Excellent. Okay. And there hasn't been any, like, change to your health, well-being, weight gain, weight loss? Any yeah. We're not taking on any medications, haven't picked up smoking, something like that? Perfect. Alright. Well, everything's looking pretty crushes there then. I think the only question I probably really wanna ask you is do you have private health insurance? Just the tax implications. Because private health, obviously I know. It's it's an endeavor in and of itself to undertake any kind of insurance. He's not fair. I know. I've the amount of times I've I have three kids. The amount of times I've, you know, popped over to mom's, you know, on a weekend and just sat there and gone, can I have a coffee? Can you make it? Just so that way someone's made me something for the week. Awesome. So everything's looking pretty much the same. In terms of goals, I had that you guys were looking to possibly purchase a property within the next few years, but things would have fallen on that front. Is that still something you guys are aiming towards? Just Yeah. Probably a little bit more focused on the travel at the moment. Yeah. Amazing. And have you sort of talked to a broker about what that looks like for you? Like, what you'd have to have as a way in savings? Yeah. And you're like yeah. Haven't quite figured out where to set down roots yet. No. That's perfect. And then with regards to the insurance, so twelve months ago, you had sort of wanted to look at about a million dollars worth of life cover because you wanted to make sure that Corey and the kids were protected if anything happened. You weren't interested in looking at total permanent disability, income protection, and trauma. Now I wanna go through them because, obviously, twelve months is a long period of time, and I wanna make sure that, a, they've been explained to you and you understand what each of those benefits do. And at the end of it, if you're still wanting to proceed with just, like, a life insurance, like, direction, we can definitely do that. So life insurance, exactly as it sounds, covers you if you were to pass away, so loss of life. It does also cover you under the condition of terminal illness. It is a lump sum benefit that's paid directly to your estate or to the person you nominate as a beneficiary. So for example, it could go a 100% to Corey. If you nominate the children because they're so young, it would it would end up in Corey's hands anyway just through more paperwork because he's ultimately the guardian of the kids. With total permanent disability, what it does is it it's a lump sum benefit that's payable depending on who the owner of the policy is. If it's owned by a super fund, it's paid to the super fund, and it can therefore be paid either as a lump sum or as an income stream from the super fund. If it's owned by you, then it's paid as a lump sum to you. And the whole point of total current disability is that in the in the event that you were never able to work again, the benefit is payable. Now with your occupation, you would have to be quite severely impaired or impacted by an illness or an injury to prevent you from working. Because your work and forgive me if I am very wrong, but your work is quite flexible in the way that providing you can you can work a computer and you have the capacity to talk, take photos, and, you know, work a mouse, you still have flexibility with your job. Yeah. So you would have to be quite quite impacted probably to the point of being unable to do two of the five activities of daily living, which are talking, bathing, toileting, dressing, and feeding yourself. So unable to do two of those things. We can still definitely get total insurance if it's something you wanna look at, but it it's gonna be a bit of a harder claim because of your occupation. Now the other two benefits are income protection. So income protection covers you if you're ill, injured, and unable to do your job, and it covers you for a monthly income amount. So it's up to 70% of your income, and it pays you each month that you're off work or unable to do your work your job because of an injury or illness, not because of travel or redundancy or loss of business or anything like that. And then the last benefit is trauma. So out of the three benefits that I've just spoken about, life, total, and income income protection, those benefits can be paid either personally or by your super fund. Trauma is the only benefit out of the four that has to be paid personally. Now trauma covers the the diagnosis of the medical majors. So it's heart attack, cancer, stroke, and then your neurological conditions such as muscular dystrophy, Huntington's, Parkinson's, diabetes, stuff like that. So it's actually a lump sum payment that's given upon the diagnosis of to the point where I had a client call up. She said she said I just got informed yesterday that I have stage two cancer, and within a week, she had $300,000 from her policy paid out to her. So it's quite a quick turnaround for that that that kind of benefit to be paid out. Now with all four of those benefits being explained, what would you like to actually approach in terms of looking at insurance? The the life one? Yeah. Life? Yeah. Yeah. 100%. So we can just look at life insurance, and and we can see, I guess, where that where that lands. Are you still wanting to look at sort of the million dollars? Because that would ultimately pretty much put put the family in the position of having a fully paid for house, really. Yeah. Cool. Alright. Well, what I'll do is I can actually do a quick quote up. I'll forget if, like, an indicative amount because that'll give us, like, a good idea as to what we're looking at when it comes to our premium. And then I can obviously go away and have a look at what provider we wanna go ahead with. So me. Still your your superannuation provider. It's just the insurance. So, currently, your insurance is your insurance is actually with Cal. It's just a it's a look. It's what? Your insurance policy is what is referred to as a platform policy, which means that the policy is embedded in Hub twenty four. What I wanna do is I wanna remove that from Hub twenty four and give you flexibility. So with any new policy that I write, it can be with any insurer. So Tal is one out of sort of 20 different insurers. It's just what we could do at the time when we transferred the insurance. We didn't have a lot of flexibility at that time, but now we have a little bit more flexibility that we could write with anyone. And with your occupation, Hal's probably not the best insurer. And also, their their terminal illness clause is twelve months, and four months. So they just have a little bit less flexibility when it comes to their their policies. So we could just kind of get content. My god. Contact creator. Probably marketing. Let's go with marketing. Yeah. There we go. So, yeah, it just it gives us a little bit more flexibility when it comes to actually getting getting insurance writing a specific benefit amount. You know? Because currently, you only have $200,000. Whereas we could get like, we we could go for a lot more, which should be good for you. Yeah. Cool. So without looking at any of the features of the products or looking at you know, when it comes to life insurance, it's pretty standard across the board. But without sort of doing my homework too, too deep into what, you know, features are there, which I will do obviously off the phone with you, we're looking at anywhere between sort of 3 and $500 a year for a million dollars worth of life insurance. So pretty low. Nothing too too crazy costly, And that gives you five times the amount that you currently have in insurance, which will be good. Because currently, you are paying about a $120 per year, and that's for the 200,000 worth of death cover or the life cover and then the 200,000 worth of PPD. So what I'll do is I'll obviously have a look at all the different insurers to make sure that I'm picking the right product for you, and we can go from there. But was there any, I guess, other advice or areas that you wanted to look at aside from, like, the insurance as a as a major point? Yeah. Okay. Well, while I'm looking at the insurance, what I'll do is I can also have a look at some of the investment products that we have on your 24 funds just to make sure that they are invested right. Because, obviously, the market does move and change. And over the last twelve months, we've definitely gone through it. So I wanna make sure that everything's sitting right there. I can definitely see that you've got, like, you've got gold assets in the fund, which is fantastic. Gold's been Australian Equities Fund, which hasn't gone very well. So I definitely wanna look at pulling out of that a bit. And then the other assets that you have are sitting pretty okay, to be completely honest. So I just wanna sort of maybe do a little bit of a revision to the assets that you're holding. Nothing too too crazy because you've got a good spread. Like, you've got some gold assets, like I said. You've got India. You've got some cybersecurity hold there. You've got health assets. You've got, you know, your international and your national shares as well, which is really, really good. Like, you've got good diversity across sectors. But we still wanna make sure that we're, you know, refreshing the the holdings as the market moves. And that Benelon fund just hasn't quite pulled its weight the way we would want it to. So definitely kicking that one to the curb and and pulling something up and put it to place would be really good. So what I can do is I can just kinda have a look, tear those those bill a little bit apart and and get something a little bit more maybe cost effective, a little bit better performance history as well put into the fund to get that moving for you. Other than that, I know that couple twelve months ago, we weren't really looking at putting sort of contributions in until we looked at the insurance. If I was to recommend that we did start making some contributions to the fund, how comfortable would you be on that front? I can see that there are a couple of, yeah, there are a couple of contributions that they've popped in. They popped in one one in May and then one in January. So May last year and then January this year. Yes. Yeah. January this year. Sorry. Okay. Perfect. Did you wanna make any contributions from the business, or are you trying to focus that cash flow mainly on the travel costs? Yeah. Okay. Perfect. That's absolutely fine. Alright. Well, do you know how much you're gonna be earning roughly from the cleaning job? Yeah. Perfect. No. That's okay. Cool. Just look down. So that's 500 per fortnight. And I'll do the math on what that looks like contributions wise just so that way when I draw up the advice documents, I can consider that as contributions and how that's gonna affect the funds and the investments and everything else. Okay? Perfect. No. That's okay. What I'll do is I will email you a bit of a a annual pack. We draw those up, and it just gives you, like, a bit of a statement on where everything's sitting right now, a rundown on your superannuation fund, and it also sends you our ongoing service agreement. So that's so we can continue providing advice to you. So as as we do, we charge 1.65% of your superannuation fund balance, And all that does is that enables me to go away and put the advice together, refresh the assets, get the insurance all investigated, and go from there. Now if I need, say, a week, would or a week and a half, would that be enough time to to be able to give you a callback? Is there a specific day that does generally suit you that we can go through that advice? Yeah. No. You're okay. So I would probably be looking at Wednesday the fourth, if that's okay. What time suits you? No. You're okay. What I'm gonna do is I'll I'll send you a calendar invite as well. Yeah. That's the same time. Perfect. So 11:30 your time. It's 01:30 my time. I will send you a calendar invite. It's in there for an hour and a half, but don't fret. We'll probably be on the phone for maybe forty minutes. But it's just that that way, we can both look at our calendars and enjoy the rest of our time. Have so much. So I'll send that to you, and I'll get all the advice drawn up, and we can we can go through from there. Okay? No. Thanks so much. Go and enjoy the rest of your time at the beach. Bye. You too. 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Elise. Larissa from O2 Financial. How are you going? I love that. That's a perfect day.\n\nDid you still wanna have a chat today, or do you wanna just enjoy your time at She's like, I'm in the sun, the sand. I'm happy to chat. Perfect. Alright. Well, before we jump into it, I do need to let you know our call is recorded.\n\nAnd if I could just get you to confirm security for me. It's just full name, date of birth, and address. Address. Would I have another address for you? Yep.\n\nThat's the one. I'm assuming we need to update them. Alright. Perfect. Alright.\n\nSo the purpose of today's call is to go through and give you an update on where everything's at at the moment. And then, additionally, just walk you on on whether there's any advice strategies that we need to look at. One of the major points that we had noted on file was the opportunity to be able to actually have a look at your insurances. So a couple years ago, we transferred your insurance over to your hub twenty four, which gave you the capacity to have the little bit of life and total permanent disability in your hub twenty four fund. But I know that one of the goals that you were looking to achieve was to look at putting sort of, like, a million dollars in place.\n\nSo that way, you know, the families will cover it and and everyone's okay if anything does happen. Now it's been providing I guess, we haven't strayed a little bit since. It's been a couple of years since any last drug use. And so we can definitely look at undertaking some insurance now and and go from there. So that's one of the things I definitely wanted to talk to you about today and just, a, make sure that everything's all kosher, see whether we were still wanting to look at that same benefit amount, And then, obviously, have a chat about where your super funds are and see whether there's anything else that you wanna do as well.\n\nCool. Cool. There we are. So I guess the probably the best place to start would be to make sure that everything we have on file is actually up to date because it's been twelve months since we updated everything. So just to confirm, I have you married, and I have two sweet little ones who would be somewhere around the four and five mark.\n\nYep. A five year old at school or not yet next year? Oh, right. It's blip, really. I just I sent my last to school this year.\n\nSo I've got one in high school, and my last is just going to off to to primary school. And it's it's a feeling. Yeah. It's it's actually perfect. I've got four daughter stuck in the middle, and she's like, I didn't have anything exciting happening this year.\n\nI was like, everything is perfect. Amazing. Now with respect to occupation, I have you as a sole trader, so self employed. And you are, like, content creator, personal branding, affiliated marketing? Yeah.\n\nPerfect. And you've been doing that for sort of about three years or so? Amazing. And income wise, are we still sitting around that 60,000 a year? Perfect.\n\nPerfect. And with regards to savings on your income, do you put anything major away in savings each sort of, like, week or month? Perfect. So are we sort of living mainly off Corey's income? Yeah.\n\nAmazing. So his income is what sort of pays majority of the bills, and then you guys save with your income. Awesome. Because sort of just on just just over a third of your income's kinda going towards savings. Yeah.\n\nPerfect. That was gonna be my no. I love it. That was gonna be my next question was, what is the goal with that money? Are we looking to, like, invest it?\n\nAre we looking to buy a property? Or, like, is it travel? What are we sort of looking at doing? Yeah. Do we have do we have anywhere in mind that we're going next?\n\nYes. Yeah. I know exactly where that is. Well, we're on the Gold Coast, so you can pop in and say hi. Yeah.\n\nPerfect. So we're gonna go for a nice, slow, straight shot through the middle. Yep. Beautiful. So I'm assuming the kids are homeschooled based on that.\n\nYep. Yeah. So transitioning to, like, a home school so that way you guys can continue to travel. I love that. No.\n\nPerfect. And for now, it just means that you get to enjoy the the next six months or four days. Get some time on your head. Perfect. Now with with assets, has there been any major changes to your assets?\n\nBecause I have, like, the caravan, about 80,000, the car with 40, and then you have one third ownership in investment property? Yep. Do you know what the investment property value is? I have about 40,000, like, value with about 160 owing. Yeah.\n\nThat's okay. Are there any other assets? Like, what what kind of savings do we have in the bank account? Yeah. Thousand?\n\nPerfect. Amazing. And we don't have any credit cards or anything like that? Nope. Excellent.\n\nOkay. And there hasn't been any, like, change to your health, well-being, weight gain, weight loss? Any yeah. We're not taking on any medications, haven't picked up smoking, something like that? Perfect.\n\nAlright. Well, everything's looking pretty crushes there then. I think the only question I probably really wanna ask you is do you have private health insurance? Just the tax implications. Because private health, obviously I know.\n\nIt's it's an endeavor in and of itself to undertake any kind of insurance. He's not fair. I know. I've the amount of times I've I have three kids. The amount of times I've, you know, popped over to mom's, you know, on a weekend and just sat there and gone, can I have a coffee?\n\nCan you make it? Just so that way someone's made me something for the week. Awesome. So everything's looking pretty much the same. In terms of goals, I had that you guys were looking to possibly purchase a property within the next few years, but things would have fallen on that front.\n\nIs that still something you guys are aiming towards? Just Yeah. Probably a little bit more focused on the travel at the moment. Yeah. Amazing.\n\nAnd have you sort of talked to a broker about what that looks like for you? Like, what you'd have to have as a way in savings? Yeah. And you're like yeah. Haven't quite figured out where to set down roots yet.\n\nNo. That's perfect. And then with regards to the insurance, so twelve months ago, you had sort of wanted to look at about a million dollars worth of life cover because you wanted to make sure that Corey and the kids were protected if anything happened. You weren't interested in looking at total permanent disability, income protection, and trauma. Now I wanna go through them because, obviously, twelve months is a long period of time, and I wanna make sure that, a, they've been explained to you and you understand what each of those benefits do.\n\nAnd at the end of it, if you're still wanting to proceed with just, like, a life insurance, like, direction, we can definitely do that. So life insurance, exactly as it sounds, covers you if you were to pass away, so loss of life. It does also cover you under the condition of terminal illness. It is a lump sum benefit that's paid directly to your estate or to the person you nominate as a beneficiary. So for example, it could go a 100% to Corey.\n\nIf you nominate the children because they're so young, it would it would end up in Corey's hands anyway just through more paperwork because he's ultimately the guardian of the kids. With total permanent disability, what it does is it it's a lump sum benefit that's payable depending on who the owner of the policy is. If it's owned by a super fund, it's paid to the super fund, and it can therefore be paid either as a lump sum or as an income stream from the super fund. If it's owned by you, then it's paid as a lump sum to you. And the whole point of total current disability is that in the in the event that you were never able to work again, the benefit is payable.\n\nNow with your occupation, you would have to be quite severely impaired or impacted by an illness or an injury to prevent you from working. Because your work and forgive me if I am very wrong, but your work is quite flexible in the way that providing you can you can work a computer and you have the capacity to talk, take photos, and, you know, work a mouse, you still have flexibility with your job. Yeah. So you would have to be quite quite impacted probably to the point of being unable to do two of the five activities of daily living, which are talking, bathing, toileting, dressing, and feeding yourself. So unable to do two of those things.\n\nWe can still definitely get total insurance if it's something you wanna look at, but it it's gonna be a bit of a harder claim because of your occupation. Now the other two benefits are income protection. So income protection covers you if you're ill, injured, and unable to do your job, and it covers you for a monthly income amount. So it's up to 70% of your income, and it pays you each month that you're off work or unable to do your work your job because of an injury or illness, not because of travel or redundancy or loss of business or anything like that. And then the last benefit is trauma.\n\nSo out of the three benefits that I've just spoken about, life, total, and income income protection, those benefits can be paid either personally or by your super fund. Trauma is the only benefit out of the four that has to be paid personally. Now trauma covers the the diagnosis of the medical majors. So it's heart attack, cancer, stroke, and then your neurological conditions such as muscular dystrophy, Huntington's, Parkinson's, diabetes, stuff like that. So it's actually a lump sum payment that's given upon the diagnosis of to the point where I had a client call up.\n\nShe said she said I just got informed yesterday that I have stage two cancer, and within a week, she had $300,000 from her policy paid out to her. So it's quite a quick turnaround for that that that kind of benefit to be paid out. Now with all four of those benefits being explained, what would you like to actually approach in terms of looking at insurance? The the life one? Yeah.\n\nLife? Yeah. Yeah. 100%. So we can just look at life insurance, and and we can see, I guess, where that where that lands.\n\nAre you still wanting to look at sort of the million dollars? Because that would ultimately pretty much put put the family in the position of having a fully paid for house, really. Yeah. Cool. Alright.\n\nWell, what I'll do is I can actually do a quick quote up. I'll forget if, like, an indicative amount because that'll give us, like, a good idea as to what we're looking at when it comes to our premium. And then I can obviously go away and have a look at what provider we wanna go ahead with. So me. Still your your superannuation provider.\n\nIt's just the insurance. So, currently, your insurance is your insurance is actually with Cal. It's just a it's a look. It's what? Your insurance policy is what is referred to as a platform policy, which means that the policy is embedded in Hub twenty four.\n\nWhat I wanna do is I wanna remove that from Hub twenty four and give you flexibility. So with any new policy that I write, it can be with any insurer. So Tal is one out of sort of 20 different insurers. It's just what we could do at the time when we transferred the insurance. We didn't have a lot of flexibility at that time, but now we have a little bit more flexibility that we could write with anyone.\n\nAnd with your occupation, Hal's probably not the best insurer. And also, their their terminal illness clause is twelve months, and four months. So they just have a little bit less flexibility when it comes to their their policies. So we could just kind of get content. My god.\n\nContact creator. Probably marketing. Let's go with marketing. Yeah. There we go.\n\nSo, yeah, it just it gives us a little bit more flexibility when it comes to actually getting getting insurance writing a specific benefit amount. You know? Because currently, you only have $200,000. Whereas we could get like, we we could go for a lot more, which should be good for you. Yeah.\n\nCool. So without looking at any of the features of the products or looking at you know, when it comes to life insurance, it's pretty standard across the board. But without sort of doing my homework too, too deep into what, you know, features are there, which I will do obviously off the phone with you, we're looking at anywhere between sort of 3 and $500 a year for a million dollars worth of life insurance. So pretty low. Nothing too too crazy costly, And that gives you five times the amount that you currently have in insurance, which will be good.\n\nBecause currently, you are paying about a $120 per year, and that's for the 200,000 worth of death cover or the life cover and then the 200,000 worth of PPD. So what I'll do is I'll obviously have a look at all the different insurers to make sure that I'm picking the right product for you, and we can go from there. But was there any, I guess, other advice or areas that you wanted to look at aside from, like, the insurance as a as a major point? Yeah. Okay.\n\nWell, while I'm looking at the insurance, what I'll do is I can also have a look at some of the investment products that we have on your 24 funds just to make sure that they are invested right. Because, obviously, the market does move and change. And over the last twelve months, we've definitely gone through it. So I wanna make sure that everything's sitting right there. I can definitely see that you've got, like, you've got gold assets in the fund, which is fantastic.\n\nGold's been Australian Equities Fund, which hasn't gone very well. So I definitely wanna look at pulling out of that a bit. And then the other assets that you have are sitting pretty okay, to be completely honest. So I just wanna sort of maybe do a little bit of a revision to the assets that you're holding. Nothing too too crazy because you've got a good spread.\n\nLike, you've got some gold assets, like I said. You've got India. You've got some cybersecurity hold there. You've got health assets. You've got, you know, your international and your national shares as well, which is really, really good.\n\nLike, you've got good diversity across sectors. But we still wanna make sure that we're, you know, refreshing the the holdings as the market moves. And that Benelon fund just hasn't quite pulled its weight the way we would want it to. So definitely kicking that one to the curb and and pulling something up and put it to place would be really good. So what I can do is I can just kinda have a look, tear those those bill a little bit apart and and get something a little bit more maybe cost effective, a little bit better performance history as well put into the fund to get that moving for you.\n\nOther than that, I know that couple twelve months ago, we weren't really looking at putting sort of contributions in until we looked at the insurance. If I was to recommend that we did start making some contributions to the fund, how comfortable would you be on that front? I can see that there are a couple of, yeah, there are a couple of contributions that they've popped in. They popped in one one in May and then one in January. So May last year and then January this year.\n\nYes. Yeah. January this year. Sorry. Okay.\n\nPerfect. Did you wanna make any contributions from the business, or are you trying to focus that cash flow mainly on the travel costs? Yeah. Okay. Perfect.\n\nThat's absolutely fine. Alright. Well, do you know how much you're gonna be earning roughly from the cleaning job? Yeah. Perfect.\n\nNo. That's okay. Cool. Just look down. So that's 500 per fortnight.\n\nAnd I'll do the math on what that looks like contributions wise just so that way when I draw up the advice documents, I can consider that as contributions and how that's gonna affect the funds and the investments and everything else. Okay? Perfect. No. That's okay.\n\nWhat I'll do is I will email you a bit of a a annual pack. We draw those up, and it just gives you, like, a bit of a statement on where everything's sitting right now, a rundown on your superannuation fund, and it also sends you our ongoing service agreement. So that's so we can continue providing advice to you. So as as we do, we charge 1.65% of your superannuation fund balance, And all that does is that enables me to go away and put the advice together, refresh the assets, get the insurance all investigated, and go from there. Now if I need, say, a week, would or a week and a half, would that be enough time to to be able to give you a callback?\n\nIs there a specific day that does generally suit you that we can go through that advice? Yeah. No. You're okay. So I would probably be looking at Wednesday the fourth, if that's okay.\n\nWhat time suits you? No. You're okay. What I'm gonna do is I'll I'll send you a calendar invite as well. Yeah.\n\nThat's the same time. Perfect. So 11:30 your time. It's 01:30 my time. I will send you a calendar invite.\n\nIt's in there for an hour and a half, but don't fret. We'll probably be on the phone for maybe forty minutes. But it's just that that way, we can both look at our calendars and enjoy the rest of our time. Have so much. So I'll send that to you, and I'll get all the advice drawn up, and we can we can go through from there.\n\nOkay? No. Thanks so much. Go and enjoy the rest of your time at the beach. Bye.\n\nYou too. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Elise.","start":4.4,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.2071709856390953},{"text":"Larissa from O2 Financial.","start":5.2799997,"end":6.64,"sentiment":"neutral","sentiment_score":0.18086212873458862},{"text":"How are you going?","start":6.64,"end":7.46,"sentiment":"neutral","sentiment_score":0.2311975099146366},{"text":"I love that.","start":14.315,"end":15.275,"sentiment":"positive","sentiment_score":0.61789604028066},{"text":"That's a perfect day.","start":15.275,"end":17.535,"sentiment":"positive","sentiment_score":0.7665734738111496}],"sentiment":"positive","sentiment_score":0.4107389730565688,"num_words":17,"start":4.4,"end":17.535},{"sentences":[{"text":"Did you still wanna have a chat today, or do you wanna just enjoy your time at She's like, I'm in the sun, the sand.","start":20.074999,"end":30.4,"sentiment":"neutral","sentiment_score":0.23346621930599212},{"text":"I'm happy to chat.","start":30.46,"end":31.84,"sentiment":"positive","sentiment_score":0.5593789219856262},{"text":"Perfect.","start":35.1,"end":35.579998,"sentiment":"positive","sentiment_score":0.574641764163971},{"text":"Alright.","start":35.579998,"end":35.899998,"sentiment":"neutral","sentiment_score":0.1928142607212067},{"text":"Well, before we jump into it, I do need to let you know our call is recorded.","start":35.899998,"end":38.8,"sentiment":"neutral","sentiment_score":0.029083706657676137}],"sentiment":"neutral","sentiment_score":0.1945010460137079,"num_words":48,"start":20.074999,"end":38.8},{"sentences":[{"text":"And if I could just get you to confirm security for me.","start":40.035,"end":42.434998,"sentiment":"neutral","sentiment_score":0.04208560629437367},{"text":"It's just full name, date of birth, and address.","start":42.434998,"end":44.295,"sentiment":"neutral","sentiment_score":0.03578424412343237},{"text":"Address.","start":52.675,"end":53.175,"sentiment":"neutral","sentiment_score":0.002637056168168783},{"text":"Would I have another address for you?","start":62.800003,"end":65.06,"sentiment":"neutral","sentiment_score":0.0010082627912717207},{"text":"Yep.","start":68.675,"end":68.995,"sentiment":"neutral","sentiment_score":0.017496414482593536}],"sentiment":"neutral","sentiment_score":0.028475892761101327,"num_words":30,"start":40.035,"end":68.995},{"sentences":[{"text":"That's the one.","start":68.995,"end":69.635,"sentiment":"neutral","sentiment_score":0.002002339499692122},{"text":"I'm assuming we need to update them.","start":69.635,"end":71.575,"sentiment":"neutral","sentiment_score":-0.021689364287470068},{"text":"Alright.","start":75.875,"end":76.355,"sentiment":"neutral","sentiment_score":0.14156195521354675},{"text":"Perfect.","start":76.355,"end":76.855,"sentiment":"neutral","sentiment_score":0.25180330872535706},{"text":"Alright.","start":77.555,"end":78.055,"sentiment":"neutral","sentiment_score":0.1399018168449402}],"sentiment":"neutral","sentiment_score":0.029803734559279222,"num_words":13,"start":68.995,"end":78.055},{"sentences":[{"text":"So the purpose of today's call is to go through and give you an update on where everything's at at the moment.","start":78.835,"end":85.07,"sentiment":"neutral","sentiment_score":0.11453196406364441},{"text":"And then, additionally, just walk you on on whether there's any advice strategies that we need to look at.","start":85.45,"end":94.205,"sentiment":"neutral","sentiment_score":0.1158946568244382},{"text":"One of the major points that we had noted on file was the opportunity to be able to actually have a look at your insurances.","start":94.425,"end":101.805,"sentiment":"neutral","sentiment_score":0.09321457594633102},{"text":"So a couple years ago, we transferred your insurance over to your hub twenty four, which gave you the capacity to have the little bit of life and total permanent disability in your hub twenty four fund.","start":102.185005,"end":118.62,"sentiment":"neutral","sentiment_score":0.04497908528994869},{"text":"But I know that one of the goals that you were looking to achieve was to look at putting sort of, like, a million dollars in place.","start":119.08,"end":127.335,"sentiment":"neutral","sentiment_score":0.06883577333280334}],"sentiment":"neutral","sentiment_score":0.08134506248797362,"num_words":130,"start":78.835,"end":127.335},{"sentences":[{"text":"So that way, you know, the families will cover it and and everyone's okay if anything does happen.","start":127.335,"end":133.355,"sentiment":"neutral","sentiment_score":0.2888086347116364},{"text":"Now it's been providing I guess, we haven't strayed a little bit since.","start":134.535,"end":140.48001,"sentiment":"neutral","sentiment_score":0.02851913496851921},{"text":"It's been a couple of years since any last drug use.","start":140.48001,"end":143.70001,"sentiment":"neutral","sentiment_score":-0.053383647379550064},{"text":"And so we can definitely look at undertaking some insurance now and and go from there.","start":144.88,"end":153.285,"sentiment":"neutral","sentiment_score":0.20400469098240137},{"text":"So that's one of the things I definitely wanted to talk to you about today and just, a, make sure that everything's all kosher, see whether we were still wanting to look at that same benefit amount, And then, obviously, have a chat about where your super funds are and see whether there's anything else that you wanna do as well.","start":153.585,"end":168.94,"sentiment":"neutral","sentiment_score":0.32919466471085784}],"sentiment":"neutral","sentiment_score":0.23804229967483953,"num_words":119,"start":127.335,"end":168.94},{"sentences":[{"text":"Cool.","start":171.0,"end":171.4,"sentiment":"positive","sentiment_score":0.4923214018344879},{"text":"Cool.","start":171.4,"end":171.9,"sentiment":"positive","sentiment_score":0.481966495513916},{"text":"There we are.","start":174.76,"end":175.58,"sentiment":"positive","sentiment_score":0.340463787317276},{"text":"So I guess the probably the best place to start would be to make sure that everything we have on file is actually up to date because it's been twelve months since we updated everything.","start":175.985,"end":187.685,"sentiment":"neutral","sentiment_score":0.14164686522313527},{"text":"So just to confirm, I have you married, and I have two sweet little ones who would be somewhere around the four and five mark.","start":188.465,"end":198.94,"sentiment":"neutral","sentiment_score":0.10684429675340652}],"sentiment":"neutral","sentiment_score":0.14806810709146354,"num_words":65,"start":171.0,"end":198.94},{"sentences":[{"text":"Yep.","start":201.16,"end":201.66,"sentiment":"neutral","sentiment_score":0.026071738451719284},{"text":"A five year old at school or not yet next year?","start":201.88,"end":205.265,"sentiment":"neutral","sentiment_score":0.018865618431432682},{"text":"Oh, right.","start":207.485,"end":210.705,"sentiment":"neutral","sentiment_score":0.06890065222978592},{"text":"It's blip, really.","start":211.16501,"end":213.325,"sentiment":"neutral","sentiment_score":-0.04756384063512087},{"text":"I just I sent my last to school this year.","start":213.325,"end":215.66501,"sentiment":"neutral","sentiment_score":-0.038140959851443765}],"sentiment":"neutral","sentiment_score":-0.005655787954175913,"num_words":27,"start":201.16,"end":215.66501},{"sentences":[{"text":"So I've got one in high school, and my last is just going to off to to primary school.","start":216.045,"end":221.31,"sentiment":"neutral","sentiment_score":0.026104195043444633},{"text":"And it's it's a feeling.","start":221.31,"end":224.53,"sentiment":"neutral","sentiment_score":0.11408620476722717},{"text":"Yeah.","start":225.15001,"end":225.65001,"sentiment":"neutral","sentiment_score":0.31426358222961426},{"text":"It's it's actually perfect.","start":225.79001,"end":228.69,"sentiment":"positive","sentiment_score":0.5520509704947472},{"text":"I've got four daughter stuck in the middle, and she's like, I didn't have anything exciting happening this year.","start":231.71,"end":236.66501,"sentiment":"neutral","sentiment_score":0.21220539196541435}],"sentiment":"neutral","sentiment_score":0.15876626335860541,"num_words":48,"start":216.045,"end":236.66501},{"sentences":[{"text":"I was like, everything is perfect.","start":236.66501,"end":239.405,"sentiment":"positive","sentiment_score":0.5152667512496313},{"text":"Amazing.","start":242.66501,"end":243.16501,"sentiment":"positive","sentiment_score":0.49729275703430176},{"text":"Now with respect to occupation, I have you as a sole trader, so self employed.","start":243.465,"end":252.7,"sentiment":"neutral","sentiment_score":0.09429874047636985},{"text":"And you are, like, content creator, personal branding, affiliated marketing?","start":253.64,"end":258.86,"sentiment":"neutral","sentiment_score":0.0720965426415205},{"text":"Yeah.","start":259.4,"end":259.72,"sentiment":"neutral","sentiment_score":0.06017117947340011}],"sentiment":"neutral","sentiment_score":0.17528821144140128,"num_words":33,"start":236.66501,"end":259.72},{"sentences":[{"text":"Perfect.","start":259.72,"end":260.22,"sentiment":"neutral","sentiment_score":0.2852398753166199},{"text":"And you've been doing that for sort of about three years or so?","start":260.28,"end":263.79498,"sentiment":"neutral","sentiment_score":0.07934979177438296},{"text":"Amazing.","start":266.335,"end":266.835,"sentiment":"neutral","sentiment_score":0.06291961669921875},{"text":"And income wise, are we still sitting around that 60,000 a year?","start":267.13498,"end":270.675,"sentiment":"neutral","sentiment_score":0.000052647897973656654},{"text":"Perfect.","start":273.13498,"end":273.375,"sentiment":"positive","sentiment_score":0.5844423770904541}],"sentiment":"neutral","sentiment_score":0.07017074774817697,"num_words":28,"start":259.72,"end":273.375},{"sentences":[{"text":"Perfect.","start":273.375,"end":273.875,"sentiment":"positive","sentiment_score":0.5489599704742432},{"text":"And with regards to savings on your income, do you put anything major away in savings each sort of, like, week or month?","start":273.935,"end":282.57,"sentiment":"neutral","sentiment_score":0.06481558319343173},{"text":"Perfect.","start":285.75,"end":286.25,"sentiment":"positive","sentiment_score":0.4217250347137451},{"text":"So are we sort of living mainly off Corey's income?","start":286.38998,"end":290.49,"sentiment":"neutral","sentiment_score":0.1195899486541748},{"text":"Yeah.","start":292.305,"end":292.625,"sentiment":"neutral","sentiment_score":0.3063392639160156}],"sentiment":"neutral","sentiment_score":0.11010228247485226,"num_words":36,"start":273.375,"end":292.625},{"sentences":[{"text":"Amazing.","start":292.625,"end":293.025,"sentiment":"positive","sentiment_score":0.5726708769798279},{"text":"So his income is what sort of pays majority of the bills, and then you guys save with your income.","start":293.025,"end":299.44498,"sentiment":"neutral","sentiment_score":0.2723892003297806},{"text":"Awesome.","start":302.465,"end":302.94498,"sentiment":"positive","sentiment_score":0.5853747129440308},{"text":"Because sort of just on just just over a third of your income's kinda going towards savings.","start":302.94498,"end":308.93,"sentiment":"positive","sentiment_score":0.3345385167528601},{"text":"Yeah.","start":314.75,"end":315.06998,"sentiment":"neutral","sentiment_score":0.11653901636600494}],"sentiment":"neutral","sentiment_score":0.3102380849421024,"num_words":40,"start":292.625,"end":315.06998},{"sentences":[{"text":"Perfect.","start":315.06998,"end":315.47,"sentiment":"neutral","sentiment_score":0.2403092235326767},{"text":"That was gonna be my no.","start":315.47,"end":318.59,"sentiment":"neutral","sentiment_score":0.06368061030904452},{"text":"I love it.","start":318.59,"end":319.40997,"sentiment":"neutral","sentiment_score":0.26779963572820026},{"text":"That was gonna be my next question was, what is the goal with that money?","start":320.505,"end":324.845,"sentiment":"neutral","sentiment_score":0.07744085143009821},{"text":"Are we looking to, like, invest it?","start":324.98502,"end":327.385,"sentiment":"neutral","sentiment_score":0.04149631943021502}],"sentiment":"neutral","sentiment_score":0.08993371250107884,"num_words":32,"start":315.06998,"end":327.385},{"sentences":[{"text":"Are we looking to buy a property?","start":327.385,"end":329.64502,"sentiment":"neutral","sentiment_score":0.043069797434977124},{"text":"Or, like, is it travel?","start":330.265,"end":331.70502,"sentiment":"neutral","sentiment_score":0.03837267234921456},{"text":"What are we sort of looking at doing?","start":331.70502,"end":333.40503,"sentiment":"neutral","sentiment_score":0.022332851542159915},{"text":"Yeah.","start":335.72,"end":336.22,"sentiment":"neutral","sentiment_score":0.014004858210682867},{"text":"Do we have do we have anywhere in mind that we're going next?","start":336.44,"end":339.98,"sentiment":"neutral","sentiment_score":0.012620703532145573}],"sentiment":"neutral","sentiment_score":0.02500261059578727,"num_words":34,"start":327.385,"end":339.98},{"sentences":[{"text":"Yes.","start":349.57498,"end":350.07498,"sentiment":"neutral","sentiment_score":0.01735382154583931},{"text":"Yeah.","start":351.095,"end":351.29498,"sentiment":"neutral","sentiment_score":0.029334640130400658},{"text":"I know exactly where that is.","start":351.29498,"end":353.275,"sentiment":"neutral","sentiment_score":0.03683580861737331},{"text":"Well, we're on the Gold Coast, so you can pop in and say hi.","start":359.54,"end":362.1,"sentiment":"neutral","sentiment_score":0.08369287396115917},{"text":"Yeah.","start":362.1,"end":362.6,"sentiment":"neutral","sentiment_score":0.09275928139686584}],"sentiment":"neutral","sentiment_score":0.06661577522754669,"num_words":23,"start":349.57498,"end":362.6},{"sentences":[{"text":"Perfect.","start":366.74002,"end":367.24002,"sentiment":"positive","sentiment_score":0.3393786549568176},{"text":"So we're gonna go for a nice, slow, straight shot through the middle.","start":367.38,"end":370.995,"sentiment":"neutral","sentiment_score":0.23161189487347236},{"text":"Yep.","start":383.395,"end":383.895,"sentiment":"neutral","sentiment_score":0.0799369066953659},{"text":"Beautiful.","start":386.49,"end":386.99,"sentiment":"positive","sentiment_score":0.4149015545845032},{"text":"So I'm assuming the kids are homeschooled based on that.","start":388.09,"end":391.31,"sentiment":"neutral","sentiment_score":0.07908324152231216}],"sentiment":"neutral","sentiment_score":0.17830785249288267,"num_words":26,"start":366.74002,"end":391.31},{"sentences":[{"text":"Yep.","start":398.09,"end":398.505,"sentiment":"neutral","sentiment_score":0.11369223892688753},{"text":"Yeah.","start":398.585,"end":398.745,"sentiment":"neutral","sentiment_score":0.11326441913843156},{"text":"So transitioning to, like, a home school so that way you guys can continue to travel.","start":398.745,"end":402.285,"sentiment":"neutral","sentiment_score":0.1984944762662053},{"text":"I love that.","start":404.265,"end":405.325,"sentiment":"positive","sentiment_score":0.6864487926165262},{"text":"No.","start":405.385,"end":405.625,"sentiment":"positive","sentiment_score":0.3515521287918091}],"sentiment":"neutral","sentiment_score":0.26426212658936327,"num_words":22,"start":398.09,"end":405.625},{"sentences":[{"text":"Perfect.","start":405.625,"end":406.125,"sentiment":"positive","sentiment_score":0.6088098287582397},{"text":"And for now, it just means that you get to enjoy the the next six months or four days.","start":406.665,"end":410.92502,"sentiment":"positive","sentiment_score":0.5388219293795133},{"text":"Get some time on your head.","start":411.0,"end":413.26,"sentiment":"neutral","sentiment_score":0.32000717520713806},{"text":"Perfect.","start":415.64,"end":416.14,"sentiment":"neutral","sentiment_score":0.2669147849082947},{"text":"Now with with assets, has there been any major changes to your assets?","start":417.24,"end":424.04,"sentiment":"neutral","sentiment_score":0.005895870737731457}],"sentiment":"neutral","sentiment_score":0.32775076606776565,"num_words":40,"start":405.625,"end":424.04},{"sentences":[{"text":"Because I have, like, the caravan, about 80,000, the car with 40, and then you have one third ownership in investment property?","start":424.04,"end":433.60498,"sentiment":"neutral","sentiment_score":-0.00991960472046313},{"text":"Yep.","start":438.16,"end":438.31998,"sentiment":"neutral","sentiment_score":0.0010037323227152228},{"text":"Do you know what the investment property value is?","start":438.31998,"end":440.72,"sentiment":"neutral","sentiment_score":-0.013049801294174459},{"text":"I have about 40,000, like, value with about 160 owing.","start":440.72,"end":446.9,"sentiment":"neutral","sentiment_score":-0.01532210512086749},{"text":"Yeah.","start":454.025,"end":454.425,"sentiment":"neutral","sentiment_score":0.00953084882348776}],"sentiment":"neutral","sentiment_score":-0.011124790361865835,"num_words":43,"start":424.04,"end":454.425},{"sentences":[{"text":"That's okay.","start":454.425,"end":455.325,"sentiment":"neutral","sentiment_score":0.023254798725247383},{"text":"Are there any other assets?","start":455.70502,"end":456.98502,"sentiment":"neutral","sentiment_score":0.008212858811020851},{"text":"Like, what what kind of savings do we have in the bank account?","start":456.98502,"end":459.725,"sentiment":"neutral","sentiment_score":0.007675602817191527},{"text":"Yeah.","start":462.265,"end":462.765,"sentiment":"neutral","sentiment_score":0.00299828196875751},{"text":"Thousand?","start":466.01,"end":466.51,"sentiment":"neutral","sentiment_score":0.004536734893918037}],"sentiment":"neutral","sentiment_score":0.008858715681443837,"num_words":22,"start":454.425,"end":466.51},{"sentences":[{"text":"Perfect.","start":468.89,"end":469.39,"sentiment":"positive","sentiment_score":0.33431828022003174},{"text":"Amazing.","start":470.09003,"end":470.59003,"sentiment":"neutral","sentiment_score":0.28002142906188965},{"text":"And we don't have any credit cards or anything like that?","start":471.29,"end":473.79,"sentiment":"neutral","sentiment_score":-0.032051216810941696},{"text":"Nope.","start":475.61002,"end":476.11002,"sentiment":"neutral","sentiment_score":-0.07673441618680954},{"text":"Excellent.","start":477.13,"end":477.63,"sentiment":"neutral","sentiment_score":0.03542027994990349}],"sentiment":"neutral","sentiment_score":0.014697479208310445,"num_words":15,"start":468.89,"end":477.63},{"sentences":[{"text":"Okay.","start":478.875,"end":479.375,"sentiment":"neutral","sentiment_score":-0.013351036235690115},{"text":"And there hasn't been any, like, change to your health, well-being, weight gain, weight loss?","start":479.595,"end":485.055,"sentiment":"neutral","sentiment_score":-0.0640303278962771},{"text":"Any yeah.","start":485.595,"end":487.835,"sentiment":"neutral","sentiment_score":-0.06110945902764797},{"text":"We're not taking on any medications, haven't picked up smoking, something like that?","start":487.835,"end":491.615,"sentiment":"neutral","sentiment_score":-0.10003759081547077},{"text":"Perfect.","start":493.38,"end":493.88,"sentiment":"neutral","sentiment_score":0.0007568057626485825}],"sentiment":"neutral","sentiment_score":-0.07486739836167544,"num_words":32,"start":478.875,"end":493.88},{"sentences":[{"text":"Alright.","start":494.02002,"end":494.42,"sentiment":"neutral","sentiment_score":-0.04051899537444115},{"text":"Well, everything's looking pretty crushes there then.","start":494.42,"end":496.6,"sentiment":"neutral","sentiment_score":-0.13545567755188262},{"text":"I think the only question I probably really wanna ask you is do you have private health insurance?","start":497.30002,"end":505.0,"sentiment":"neutral","sentiment_score":-0.1179388136499458},{"text":"Just the tax implications.","start":505.14,"end":507.44498,"sentiment":"neutral","sentiment_score":-0.10429813712835312},{"text":"Because private health, obviously I know.","start":507.82498,"end":515.665,"sentiment":"neutral","sentiment_score":-0.12489666789770126}],"sentiment":"neutral","sentiment_score":-0.11883833166211843,"num_words":36,"start":494.02002,"end":515.665},{"sentences":[{"text":"It's it's an endeavor in and of itself to undertake any kind of insurance.","start":515.665,"end":519.365,"sentiment":"neutral","sentiment_score":-0.2287463897040912},{"text":"He's not fair.","start":523.27,"end":524.57,"sentiment":"negative","sentiment_score":-0.48770812153816223},{"text":"I know.","start":524.79004,"end":525.45,"sentiment":"neutral","sentiment_score":-0.1992168053984642},{"text":"I've the amount of times I've I have three kids.","start":526.07,"end":528.89,"sentiment":"neutral","sentiment_score":-0.12442207336425781},{"text":"The amount of times I've, you know, popped over to mom's, you know, on a weekend and just sat there and gone, can I have a coffee?","start":529.27,"end":535.85504,"sentiment":"neutral","sentiment_score":0.062451550254115355}],"sentiment":"neutral","sentiment_score":-0.08253636264375278,"num_words":56,"start":515.665,"end":535.85504},{"sentences":[{"text":"Can you make it?","start":535.85504,"end":536.655,"sentiment":"neutral","sentiment_score":0.06753060594201088},{"text":"Just so that way someone's made me something for the week.","start":536.655,"end":539.79504,"sentiment":"neutral","sentiment_score":0.07081359760327773},{"text":"Awesome.","start":545.61505,"end":546.09503,"sentiment":"positive","sentiment_score":0.692203164100647},{"text":"So everything's looking pretty much the same.","start":546.09503,"end":550.19,"sentiment":"positive","sentiment_score":0.3388915019375937},{"text":"In terms of goals, I had that you guys were looking to possibly purchase a property within the next few years, but things would have fallen on that front.","start":550.57,"end":559.695,"sentiment":"neutral","sentiment_score":0.04373932758281971}],"sentiment":"neutral","sentiment_score":0.10349915721095525,"num_words":52,"start":535.85504,"end":559.695},{"sentences":[{"text":"Is that still something you guys are aiming towards?","start":559.855,"end":562.835,"sentiment":"neutral","sentiment_score":0.051682360056373805},{"text":"Just Yeah.","start":562.97504,"end":566.17505,"sentiment":"neutral","sentiment_score":0.02420519571751356},{"text":"Probably a little bit more focused on the travel at the moment.","start":566.335,"end":570.275,"sentiment":"neutral","sentiment_score":0.028535482628891867},{"text":"Yeah.","start":570.655,"end":571.155,"sentiment":"neutral","sentiment_score":0.29633909463882446},{"text":"Amazing.","start":572.575,"end":573.075,"sentiment":"positive","sentiment_score":0.4746190309524536}],"sentiment":"neutral","sentiment_score":0.06507742196321488,"num_words":25,"start":559.855,"end":573.075},{"sentences":[{"text":"And have you sort of talked to a broker about what that looks like for you?","start":574.52,"end":579.32,"sentiment":"neutral","sentiment_score":0.12086515547707677},{"text":"Like, what you'd have to have as a way in savings?","start":579.32,"end":581.5,"sentiment":"neutral","sentiment_score":-0.012690611183643341},{"text":"Yeah.","start":591.325,"end":591.805,"sentiment":"neutral","sentiment_score":0.012200609780848026},{"text":"And you're like yeah.","start":591.805,"end":594.22504,"sentiment":"neutral","sentiment_score":-0.010910835932008922},{"text":"Haven't quite figured out where to set down roots yet.","start":594.365,"end":596.865,"sentiment":"neutral","sentiment_score":-0.047338292375206946}],"sentiment":"neutral","sentiment_score":0.030700478736045107,"num_words":42,"start":574.52,"end":596.865},{"sentences":[{"text":"No.","start":600.125,"end":600.28503,"sentiment":"neutral","sentiment_score":-0.17714762687683103},{"text":"That's perfect.","start":600.28503,"end":601.185,"sentiment":"neutral","sentiment_score":-0.2578377053141594},{"text":"And then with regards to the insurance, so twelve months ago, you had sort of wanted to look at about a million dollars worth of life cover because you wanted to make sure that Corey and the kids were protected if anything happened.","start":602.28503,"end":615.63,"sentiment":"neutral","sentiment_score":-0.05202050849275534},{"text":"You weren't interested in looking at total permanent disability, income protection, and trauma.","start":615.69,"end":619.31,"sentiment":"neutral","sentiment_score":-0.0826668283687188},{"text":"Now I wanna go through them because, obviously, twelve months is a long period of time, and I wanna make sure that, a, they've been explained to you and you understand what each of those benefits do.","start":621.155,"end":629.795,"sentiment":"neutral","sentiment_score":0.023285477648715715}],"sentiment":"neutral","sentiment_score":-0.03273761456754679,"num_words":96,"start":600.125,"end":629.795},{"sentences":[{"text":"And at the end of it, if you're still wanting to proceed with just, like, a life insurance, like, direction, we can definitely do that.","start":629.795,"end":637.13,"sentiment":"neutral","sentiment_score":0.08483409624546766},{"text":"So life insurance, exactly as it sounds, covers you if you were to pass away, so loss of life.","start":637.58997,"end":643.85,"sentiment":"neutral","sentiment_score":0.05921087766948499},{"text":"It does also cover you under the condition of terminal illness.","start":644.63,"end":648.17,"sentiment":"neutral","sentiment_score":0.04227414151484316},{"text":"It is a lump sum benefit that's paid directly to your estate or to the person you nominate as a beneficiary.","start":650.245,"end":657.28503,"sentiment":"neutral","sentiment_score":0.0859781111634913},{"text":"So for example, it could go a 100% to Corey.","start":657.28503,"end":659.625,"sentiment":"neutral","sentiment_score":0.1167994886636734}],"sentiment":"neutral","sentiment_score":0.0777256960417469,"num_words":86,"start":629.795,"end":659.625},{"sentences":[{"text":"If you nominate the children because they're so young, it would it would end up in Corey's hands anyway just through more paperwork because he's ultimately the guardian of the kids.","start":660.16504,"end":671.14,"sentiment":"neutral","sentiment_score":0.06740759565464911},{"text":"With total permanent disability, what it does is it it's a lump sum benefit that's payable depending on who the owner of the policy is.","start":672.96,"end":682.91504,"sentiment":"neutral","sentiment_score":0.08040175706148148},{"text":"If it's owned by a super fund, it's paid to the super fund, and it can therefore be paid either as a lump sum or as an income stream from the super fund.","start":683.135,"end":691.97,"sentiment":"neutral","sentiment_score":0.07692035219886086},{"text":"If it's owned by you, then it's paid as a lump sum to you.","start":692.43,"end":695.73,"sentiment":"neutral","sentiment_score":0.06241221007491861},{"text":"And the whole point of total current disability is that in the in the event that you were never able to work again, the benefit is payable.","start":696.58997,"end":704.875,"sentiment":"neutral","sentiment_score":-0.14884868209008817}],"sentiment":"neutral","sentiment_score":0.026868519530846523,"num_words":130,"start":660.16504,"end":704.875},{"sentences":[{"text":"Now with your occupation, you would have to be quite severely impaired or impacted by an illness or an injury to prevent you from working.","start":705.89496,"end":719.18,"sentiment":"negative","sentiment_score":-0.4335361707210541},{"text":"Because your work and forgive me if I am very wrong, but your work is quite flexible in the way that providing you can you can work a computer and you have the capacity to talk, take photos, and, you know, work a mouse, you still have flexibility with your job.","start":719.32,"end":738.005,"sentiment":"neutral","sentiment_score":0.1906207332424089},{"text":"Yeah.","start":738.005,"end":738.505,"sentiment":"neutral","sentiment_score":-0.00030644237995147705},{"text":"So you would have to be quite quite impacted probably to the point of being unable to do two of the five activities of daily living, which are talking, bathing, toileting, dressing, and feeding yourself.","start":739.68,"end":753.94,"sentiment":"negative","sentiment_score":-0.3527478724718094},{"text":"So unable to do two of those things.","start":754.885,"end":756.585,"sentiment":"negative","sentiment_score":-0.42760956287384033}],"sentiment":"neutral","sentiment_score":-0.14070087795456251,"num_words":120,"start":705.89496,"end":756.585},{"sentences":[{"text":"We can still definitely get total insurance if it's something you wanna look at, but it it's gonna be a bit of a harder claim because of your occupation.","start":758.325,"end":766.745,"sentiment":"negative","sentiment_score":-0.3785909239588113},{"text":"Now the other two benefits are income protection.","start":767.61,"end":771.45,"sentiment":"neutral","sentiment_score":-0.06481597619131207},{"text":"So income protection covers you if you're ill, injured, and unable to do your job, and it covers you for a monthly income amount.","start":771.45,"end":779.23,"sentiment":"neutral","sentiment_score":-0.07297434906164806},{"text":"So it's up to 70% of your income, and it pays you each month that you're off work or unable to do your work your job because of an injury or illness, not because of travel or redundancy or loss of business or anything like that.","start":779.57495,"end":794.235,"sentiment":"neutral","sentiment_score":-0.05104457153736249},{"text":"And then the last benefit is trauma.","start":795.52,"end":797.38,"sentiment":"neutral","sentiment_score":-0.08418952460799899}],"sentiment":"neutral","sentiment_score":-0.14198619249816002,"num_words":114,"start":758.325,"end":797.38},{"sentences":[{"text":"So out of the three benefits that I've just spoken about, life, total, and income income protection, those benefits can be paid either personally or by your super fund.","start":797.84,"end":806.74,"sentiment":"neutral","sentiment_score":0.016869515694420915},{"text":"Trauma is the only benefit out of the four that has to be paid personally.","start":807.935,"end":811.955,"sentiment":"neutral","sentiment_score":-0.07027769684791565},{"text":"Now trauma covers the the diagnosis of the medical majors.","start":812.655,"end":818.115,"sentiment":"neutral","sentiment_score":-0.09733127951622009},{"text":"So it's heart attack, cancer, stroke, and then your neurological conditions such as muscular dystrophy, Huntington's, Parkinson's, diabetes, stuff like that.","start":818.175,"end":828.42004,"sentiment":"neutral","sentiment_score":-0.08142639714337531},{"text":"So it's actually a lump sum payment that's given upon the diagnosis of to the point where I had a client call up.","start":828.42004,"end":834.66003,"sentiment":"neutral","sentiment_score":0.003816525573315828}],"sentiment":"neutral","sentiment_score":-0.03224935249558517,"num_words":98,"start":797.84,"end":834.66003},{"sentences":[{"text":"She said she said I just got informed yesterday that I have stage two cancer, and within a week, she had $300,000 from her policy paid out to her.","start":834.66003,"end":842.84503,"sentiment":"neutral","sentiment_score":-0.09984450658847546},{"text":"So it's quite a quick turnaround for that that that kind of benefit to be paid out.","start":843.54504,"end":848.205,"sentiment":"neutral","sentiment_score":0.036259819041280186},{"text":"Now with all four of those benefits being explained, what would you like to actually approach in terms of looking at insurance?","start":849.61,"end":859.79,"sentiment":"neutral","sentiment_score":-0.002148670144379139},{"text":"The the life one?","start":867.255,"end":868.47504,"sentiment":"neutral","sentiment_score":-0.024078915361315012},{"text":"Yeah.","start":872.53503,"end":872.935,"sentiment":"neutral","sentiment_score":-0.02306952513754368}],"sentiment":"neutral","sentiment_score":-0.033503146535933837,"num_words":73,"start":834.66003,"end":872.935},{"sentences":[{"text":"Life?","start":872.935,"end":873.435,"sentiment":"neutral","sentiment_score":-0.027610743418335915},{"text":"Yeah.","start":874.135,"end":874.635,"sentiment":"neutral","sentiment_score":-0.0007415413856506348},{"text":"Yeah.","start":874.85504,"end":875.335,"sentiment":"neutral","sentiment_score":0.0186078529804945},{"text":"100%.","start":875.335,"end":876.155,"sentiment":"neutral","sentiment_score":0.041269805282354355},{"text":"So we can just look at life insurance, and and we can see, I guess, where that where that lands.","start":876.375,"end":884.52997,"sentiment":"neutral","sentiment_score":0.004173101764172316}],"sentiment":"neutral","sentiment_score":0.004791142030929525,"num_words":24,"start":872.935,"end":884.52997},{"sentences":[{"text":"Are you still wanting to look at sort of the million dollars?","start":885.14996,"end":887.81,"sentiment":"neutral","sentiment_score":-0.04534128323818246},{"text":"Because that would ultimately pretty much put put the family in the position of having a fully paid for house, really.","start":887.95,"end":896.84503,"sentiment":"neutral","sentiment_score":0.0965804775201139},{"text":"Yeah.","start":901.705,"end":902.205,"sentiment":"positive","sentiment_score":0.41955894231796265},{"text":"Cool.","start":902.34503,"end":902.84503,"sentiment":"positive","sentiment_score":0.45678985118865967},{"text":"Alright.","start":902.905,"end":903.30505,"sentiment":"neutral","sentiment_score":0.2898034453392029}],"sentiment":"neutral","sentiment_score":0.07361796855305631,"num_words":36,"start":885.14996,"end":903.30505},{"sentences":[{"text":"Well, what I'll do is I can actually do a quick quote up.","start":903.30505,"end":907.08997,"sentiment":"neutral","sentiment_score":0.2077808941786106},{"text":"I'll forget if, like, an indicative amount because that'll give us, like, a good idea as to what we're looking at when it comes to our premium.","start":907.08997,"end":916.62994,"sentiment":"neutral","sentiment_score":0.14335801424803557},{"text":"And then I can obviously go away and have a look at what provider we wanna go ahead with.","start":917.56995,"end":924.225,"sentiment":"neutral","sentiment_score":0.05986009204858228},{"text":"So me.","start":925.725,"end":930.46497,"sentiment":"neutral","sentiment_score":-0.04165906272828579},{"text":"Still your your superannuation provider.","start":931.565,"end":933.90497,"sentiment":"neutral","sentiment_score":-0.030841787904500963}],"sentiment":"neutral","sentiment_score":0.1132065559539831,"num_words":66,"start":903.30505,"end":933.90497},{"sentences":[{"text":"It's just the insurance.","start":933.96497,"end":935.345,"sentiment":"neutral","sentiment_score":-0.02733517996966839},{"text":"So, currently, your insurance is your insurance is actually with Cal.","start":935.85,"end":939.87,"sentiment":"neutral","sentiment_score":-0.015294593420218338},{"text":"It's just a it's a look.","start":940.32996,"end":942.91,"sentiment":"neutral","sentiment_score":-0.004427945745798449},{"text":"It's what?","start":943.05,"end":943.79,"sentiment":"neutral","sentiment_score":-0.0030146318022161722},{"text":"Your insurance policy is what is referred to as a platform policy, which means that the policy is embedded in Hub twenty four.","start":944.81,"end":954.135,"sentiment":"neutral","sentiment_score":-0.025062589217787205}],"sentiment":"neutral","sentiment_score":-0.019274298643247912,"num_words":46,"start":933.96497,"end":954.135},{"sentences":[{"text":"What I wanna do is I wanna remove that from Hub twenty four and give you flexibility.","start":954.275,"end":960.695,"sentiment":"neutral","sentiment_score":-0.054836149272673274},{"text":"So with any new policy that I write, it can be with any insurer.","start":961.075,"end":965.76996,"sentiment":"neutral","sentiment_score":0.0077272786625794},{"text":"So Tal is one out of sort of 20 different insurers.","start":965.76996,"end":968.51,"sentiment":"neutral","sentiment_score":-0.05432041192596609},{"text":"It's just what we could do at the time when we transferred the insurance.","start":970.32996,"end":974.99,"sentiment":"neutral","sentiment_score":-0.05379562292780195},{"text":"We didn't have a lot of flexibility at that time, but now we have a little bit more flexibility that we could write with anyone.","start":975.52997,"end":981.985,"sentiment":"neutral","sentiment_score":-0.04659554526209831}],"sentiment":"neutral","sentiment_score":-0.04122943851958822,"num_words":81,"start":954.275,"end":981.985},{"sentences":[{"text":"And with your occupation, Hal's probably not the best insurer.","start":982.365,"end":986.385,"sentiment":"neutral","sentiment_score":-0.2971072219312191},{"text":"And also, their their terminal illness clause is twelve months, and four months.","start":987.08496,"end":992.97003,"sentiment":"neutral","sentiment_score":-0.2023249360231253},{"text":"So they just have a little bit less flexibility when it comes to their their policies.","start":992.97003,"end":997.07,"sentiment":"neutral","sentiment_score":-0.19862495176494122},{"text":"So we could just kind of get content.","start":998.49,"end":1004.83,"sentiment":"neutral","sentiment_score":0.003079551621340215},{"text":"My god.","start":1005.13,"end":1005.735,"sentiment":"neutral","sentiment_score":0.01099962554872036}],"sentiment":"neutral","sentiment_score":-0.17821755003640238,"num_words":49,"start":982.365,"end":1005.735},{"sentences":[{"text":"Contact creator.","start":1005.975,"end":1006.795,"sentiment":"neutral","sentiment_score":0.015666719526052475},{"text":"Probably marketing.","start":1006.935,"end":1007.735,"sentiment":"neutral","sentiment_score":-0.0011666878126561642},{"text":"Let's go with marketing.","start":1007.735,"end":1008.795,"sentiment":"neutral","sentiment_score":0.010340471053496003},{"text":"Yeah.","start":1011.015,"end":1011.515,"sentiment":"neutral","sentiment_score":0.04284015670418739},{"text":"There we go.","start":1014.21497,"end":1015.035,"sentiment":"neutral","sentiment_score":0.0325138537834088}],"sentiment":"neutral","sentiment_score":0.01756197214126587,"num_words":12,"start":1005.975,"end":1015.035},{"sentences":[{"text":"So, yeah, it just it gives us a little bit more flexibility when it comes to actually getting getting insurance writing a specific benefit amount.","start":1015.575,"end":1025.14,"sentiment":"neutral","sentiment_score":0.0688648246973753},{"text":"You know?","start":1026.16,"end":1026.64,"sentiment":"neutral","sentiment_score":0.0037249550223350525},{"text":"Because currently, you only have $200,000.","start":1026.64,"end":1029.0599,"sentiment":"neutral","sentiment_score":-0.0042307643840710325},{"text":"Whereas we could get like, we we could go for a lot more, which should be good for you.","start":1029.76,"end":1036.415,"sentiment":"neutral","sentiment_score":0.07155223190784454},{"text":"Yeah.","start":1037.995,"end":1038.315,"sentiment":"neutral","sentiment_score":0.17133143544197085}],"sentiment":"neutral","sentiment_score":0.06102848646916308,"num_words":53,"start":1015.575,"end":1038.315},{"sentences":[{"text":"Cool.","start":1038.315,"end":1038.815,"sentiment":"neutral","sentiment_score":0.23417726159095764},{"text":"So without looking at any of the features of the products or looking at you know, when it comes to life insurance, it's pretty standard across the board.","start":1038.875,"end":1046.735,"sentiment":"neutral","sentiment_score":0.10688753346247333},{"text":"But without sort of doing my homework too, too deep into what, you know, features are there, which I will do obviously off the phone with you, we're looking at anywhere between sort of 3 and $500 a year for a million dollars worth of life insurance.","start":1046.795,"end":1060.3099,"sentiment":"neutral","sentiment_score":0.031944203566997606},{"text":"So pretty low.","start":1061.09,"end":1063.01,"sentiment":"neutral","sentiment_score":0.24959972004095712},{"text":"Nothing too too crazy costly, And that gives you five times the amount that you currently have in insurance, which will be good.","start":1063.01,"end":1076.3351,"sentiment":"neutral","sentiment_score":0.32995316515798156}],"sentiment":"neutral","sentiment_score":0.12809929142103477,"num_words":102,"start":1038.315,"end":1076.3351},{"sentences":[{"text":"Because currently, you are paying about a $120 per year, and that's for the 200,000 worth of death cover or the life cover and then the 200,000 worth of PPD.","start":1077.915,"end":1090.13,"sentiment":"neutral","sentiment_score":-0.07203772577146689},{"text":"So what I'll do is I'll obviously have a look at all the different insurers to make sure that I'm picking the right product for you, and we can go from there.","start":1091.2301,"end":1100.9651,"sentiment":"neutral","sentiment_score":0.1124112288816832},{"text":"But was there any, I guess, other advice or areas that you wanted to look at aside from, like, the insurance as a as a major point?","start":1101.265,"end":1114.4501,"sentiment":"neutral","sentiment_score":-0.027568614248324325},{"text":"Yeah.","start":1119.885,"end":1120.2051,"sentiment":"neutral","sentiment_score":0.1327037215232849},{"text":"Okay.","start":1120.2051,"end":1120.7051,"sentiment":"neutral","sentiment_score":0.15479180216789246}],"sentiment":"neutral","sentiment_score":0.010760115275343696,"num_words":91,"start":1077.915,"end":1120.7051},{"sentences":[{"text":"Well, while I'm looking at the insurance, what I'll do is I can also have a look at some of the investment products that we have on your 24 funds just to make sure that they are invested right.","start":1120.925,"end":1133.05,"sentiment":"neutral","sentiment_score":0.1345711501362996},{"text":"Because, obviously, the market does move and change.","start":1133.05,"end":1135.2101,"sentiment":"neutral","sentiment_score":0.06292917812243104},{"text":"And over the last twelve months, we've definitely gone through it.","start":1135.2101,"end":1138.27,"sentiment":"neutral","sentiment_score":0.047841803594069046},{"text":"So I wanna make sure that everything's sitting right there.","start":1138.9701,"end":1142.51,"sentiment":"neutral","sentiment_score":0.18141954094171525},{"text":"I can definitely see that you've got, like, you've got gold assets in the fund, which is fantastic.","start":1142.89,"end":1146.0901,"sentiment":"positive","sentiment_score":0.34454799277914894}],"sentiment":"neutral","sentiment_score":0.16620962092176425,"num_words":86,"start":1120.925,"end":1146.0901},{"sentences":[{"text":"Gold's been Australian Equities Fund, which hasn't gone very well.","start":1146.0901,"end":1156.105,"sentiment":"neutral","sentiment_score":0.0629592515528202},{"text":"So I definitely wanna look at pulling out of that a bit.","start":1156.105,"end":1159.885,"sentiment":"neutral","sentiment_score":0.15031764221688113},{"text":"And then the other assets that you have are sitting pretty okay, to be completely honest.","start":1160.25,"end":1165.31,"sentiment":"neutral","sentiment_score":0.09298072569072247},{"text":"So I just wanna sort of maybe do a little bit of a revision to the assets that you're holding.","start":1165.53,"end":1169.95,"sentiment":"neutral","sentiment_score":0.10135616771876813},{"text":"Nothing too too crazy because you've got a good spread.","start":1170.33,"end":1173.31,"sentiment":"neutral","sentiment_score":0.1994044966995716}],"sentiment":"neutral","sentiment_score":0.11679800227284431,"num_words":68,"start":1146.0901,"end":1173.31},{"sentences":[{"text":"Like, you've got some gold assets, like I said.","start":1173.695,"end":1175.775,"sentiment":"neutral","sentiment_score":0.16990293396843803},{"text":"You've got India.","start":1175.775,"end":1176.915,"sentiment":"neutral","sentiment_score":0.19610513746738434},{"text":"You've got some cybersecurity hold there.","start":1177.215,"end":1179.135,"sentiment":"neutral","sentiment_score":0.1668436328570048},{"text":"You've got health assets.","start":1179.135,"end":1180.4349,"sentiment":"neutral","sentiment_score":0.2156495451927185},{"text":"You've got, you know, your international and your national shares as well, which is really, really good.","start":1181.455,"end":1187.455,"sentiment":"positive","sentiment_score":0.37853657673386965}],"sentiment":"neutral","sentiment_score":0.26708265642325085,"num_words":39,"start":1173.695,"end":1187.455},{"sentences":[{"text":"Like, you've got good diversity across sectors.","start":1187.455,"end":1190.1799,"sentiment":"positive","sentiment_score":0.3586861618927547},{"text":"But we still wanna make sure that we're, you know, refreshing the the holdings as the market moves.","start":1191.36,"end":1198.8999,"sentiment":"neutral","sentiment_score":0.21463430838452446},{"text":"And that Benelon fund just hasn't quite pulled its weight the way we would want it to.","start":1199.2799,"end":1204.365,"sentiment":"neutral","sentiment_score":-0.15018361916436868},{"text":"So definitely kicking that one to the curb and and pulling something up and put it to place would be really good.","start":1204.365,"end":1210.7051,"sentiment":"positive","sentiment_score":0.680953869765455},{"text":"So what I can do is I can just kinda have a look, tear those those bill a little bit apart and and get something a little bit more maybe cost effective, a little bit better performance history as well put into the fund to get that moving for you.","start":1211.165,"end":1224.2001,"sentiment":"neutral","sentiment_score":0.31808734744787215}],"sentiment":"neutral","sentiment_score":0.3044425584702638,"num_words":114,"start":1187.455,"end":1224.2001},{"sentences":[{"text":"Other than that, I know that couple twelve months ago, we weren't really looking at putting sort of contributions in until we looked at the insurance.","start":1225.06,"end":1234.2001,"sentiment":"neutral","sentiment_score":-0.020185038519020263},{"text":"If I was to recommend that we did start making some contributions to the fund, how comfortable would you be on that front?","start":1234.845,"end":1241.745,"sentiment":"neutral","sentiment_score":0.08792542066910992},{"text":"I can see that there are a couple of, yeah, there are a couple of contributions that they've popped in.","start":1248.54,"end":1253.52,"sentiment":"neutral","sentiment_score":0.06461172550916672},{"text":"They popped in one one in May and then one in January.","start":1254.14,"end":1258.5599,"sentiment":"neutral","sentiment_score":0.039148350867132344},{"text":"So May last year and then January this year.","start":1259.02,"end":1261.2,"sentiment":"neutral","sentiment_score":0.02268122985131211}],"sentiment":"neutral","sentiment_score":0.03848466070161925,"num_words":90,"start":1225.06,"end":1261.2},{"sentences":[{"text":"Yes.","start":1265.5549,"end":1265.7949,"sentiment":"neutral","sentiment_score":0.020946577191352844},{"text":"Yeah.","start":1265.7949,"end":1266.0349,"sentiment":"neutral","sentiment_score":0.01932592876255512},{"text":"January this year.","start":1266.0349,"end":1266.9149,"sentiment":"neutral","sentiment_score":0.01705863947669665},{"text":"Sorry.","start":1266.9149,"end":1267.4149,"sentiment":"neutral","sentiment_score":0.006587176583707333},{"text":"Okay.","start":1275.64,"end":1276.14,"sentiment":"neutral","sentiment_score":0.18619467318058017}],"sentiment":"neutral","sentiment_score":0.040604324878326485,"num_words":7,"start":1265.5549,"end":1276.14},{"sentences":[{"text":"Perfect.","start":1276.44,"end":1276.9199,"sentiment":"neutral","sentiment_score":0.31345075368881226},{"text":"Did you wanna make any contributions from the business, or are you trying to focus that cash flow mainly on the travel costs?","start":1276.9199,"end":1283.74,"sentiment":"neutral","sentiment_score":0.1038751372176668},{"text":"Yeah.","start":1295.235,"end":1295.635,"sentiment":"neutral","sentiment_score":0.11759371310472488},{"text":"Okay.","start":1295.635,"end":1296.115,"sentiment":"neutral","sentiment_score":0.20561088621616364},{"text":"Perfect.","start":1296.115,"end":1296.615,"sentiment":"positive","sentiment_score":0.34308409690856934}],"sentiment":"neutral","sentiment_score":0.12477287429350394,"num_words":27,"start":1276.44,"end":1296.615},{"sentences":[{"text":"That's absolutely fine.","start":1296.6749,"end":1297.7949,"sentiment":"positive","sentiment_score":0.38844512899716693},{"text":"Alright.","start":1297.7949,"end":1298.115,"sentiment":"neutral","sentiment_score":0.14851708710193634},{"text":"Well, do you know how much you're gonna be earning roughly from the cleaning job?","start":1298.115,"end":1302.9,"sentiment":"neutral","sentiment_score":0.07556786661346754},{"text":"Yeah.","start":1310.8201,"end":1311.3,"sentiment":"neutral","sentiment_score":0.12449820339679718},{"text":"Perfect.","start":1311.3,"end":1311.78,"sentiment":"neutral","sentiment_score":0.19488835334777832}],"sentiment":"neutral","sentiment_score":0.13175033476381076,"num_words":21,"start":1296.6749,"end":1311.78},{"sentences":[{"text":"No.","start":1311.78,"end":1311.9401,"sentiment":"neutral","sentiment_score":0.09201861917972563},{"text":"That's okay.","start":1311.9401,"end":1312.5801,"sentiment":"neutral","sentiment_score":0.13100923597812653},{"text":"Cool.","start":1312.5801,"end":1313.0801,"sentiment":"neutral","sentiment_score":0.1989408582448959},{"text":"Just look down.","start":1314.26,"end":1315.14,"sentiment":"neutral","sentiment_score":0.12450022747119267},{"text":"So that's 500 per fortnight.","start":1315.14,"end":1317.885,"sentiment":"neutral","sentiment_score":0.10694149434566498}],"sentiment":"neutral","sentiment_score":0.12176550862689813,"num_words":12,"start":1311.78,"end":1317.885},{"sentences":[{"text":"And I'll do the math on what that looks like contributions wise just so that way when I draw up the advice documents, I can consider that as contributions and how that's gonna affect the funds and the investments and everything else.","start":1317.885,"end":1329.245,"sentiment":"neutral","sentiment_score":0.17200986260459536},{"text":"Okay?","start":1329.245,"end":1329.745,"sentiment":"neutral","sentiment_score":0.13864974677562714},{"text":"Perfect.","start":1331.6399,"end":1332.1399,"sentiment":"positive","sentiment_score":0.6452451944351196},{"text":"No.","start":1332.36,"end":1332.6,"sentiment":"neutral","sentiment_score":0.19634342193603516},{"text":"That's okay.","start":1332.6,"end":1333.24,"sentiment":"neutral","sentiment_score":0.15460364520549774}],"sentiment":"neutral","sentiment_score":0.18114595495639962,"num_words":47,"start":1317.885,"end":1333.24},{"sentences":[{"text":"What I'll do is I will email you a bit of a a annual pack.","start":1333.24,"end":1337.74,"sentiment":"neutral","sentiment_score":0.10806787386536598},{"text":"We draw those up, and it just gives you, like, a bit of a statement on where everything's sitting right now, a rundown on your superannuation fund, and it also sends you our ongoing service agreement.","start":1339.08,"end":1349.735,"sentiment":"neutral","sentiment_score":0.17686685836977428},{"text":"So that's so we can continue providing advice to you.","start":1349.7949,"end":1352.695,"sentiment":"neutral","sentiment_score":0.16366031467914582},{"text":"So as as we do, we charge 1.65% of your superannuation fund balance, And all that does is that enables me to go away and put the advice together, refresh the assets, get the insurance all investigated, and go from there.","start":1353.075,"end":1368.5701,"sentiment":"neutral","sentiment_score":0.23019476035019246},{"text":"Now if I need, say, a week, would or a week and a half, would that be enough time to to be able to give you a callback?","start":1368.63,"end":1377.485,"sentiment":"neutral","sentiment_score":0.13120216450520925}],"sentiment":"neutral","sentiment_score":0.17489595335836594,"num_words":130,"start":1333.24,"end":1377.485},{"sentences":[{"text":"Is there a specific day that does generally suit you that we can go through that advice?","start":1377.485,"end":1382.145,"sentiment":"neutral","sentiment_score":0.050781050258699584},{"text":"Yeah.","start":1385.5651,"end":1386.0651,"sentiment":"neutral","sentiment_score":0.0665661096572876},{"text":"No.","start":1395.7201,"end":1396.04,"sentiment":"neutral","sentiment_score":-0.0004458557814359665},{"text":"You're okay.","start":1396.04,"end":1396.52,"sentiment":"neutral","sentiment_score":0.014139480888843536},{"text":"So I would probably be looking at Wednesday the fourth, if that's okay.","start":1396.52,"end":1400.54,"sentiment":"neutral","sentiment_score":0.03144360190400711}],"sentiment":"neutral","sentiment_score":0.040189526317750704,"num_words":34,"start":1377.485,"end":1400.54},{"sentences":[{"text":"What time suits you?","start":1406.895,"end":1408.435,"sentiment":"neutral","sentiment_score":0.032392274122685194},{"text":"No.","start":1422.1799,"end":1422.4199,"sentiment":"neutral","sentiment_score":-0.00742715410888195},{"text":"You're okay.","start":1422.4199,"end":1422.82,"sentiment":"neutral","sentiment_score":0.033316963352262974},{"text":"What I'm gonna do is I'll I'll send you a calendar invite as well.","start":1422.82,"end":1426.52,"sentiment":"neutral","sentiment_score":0.05855003132351807},{"text":"Yeah.","start":1432.105,"end":1432.4249,"sentiment":"neutral","sentiment_score":0.024857809767127037}],"sentiment":"neutral","sentiment_score":0.046969732608307495,"num_words":22,"start":1406.895,"end":1432.4249},{"sentences":[{"text":"That's the same time.","start":1432.4249,"end":1433.565,"sentiment":"neutral","sentiment_score":0.029159579891711473},{"text":"Perfect.","start":1435.225,"end":1435.725,"sentiment":"neutral","sentiment_score":0.3315353989601135},{"text":"So 11:30 your time.","start":1436.745,"end":1438.1849,"sentiment":"neutral","sentiment_score":0.1465950384736061},{"text":"It's 01:30 my time.","start":1438.1849,"end":1439.8049,"sentiment":"neutral","sentiment_score":0.11395804211497307},{"text":"I will send you a calendar invite.","start":1440.4249,"end":1441.945,"sentiment":"neutral","sentiment_score":0.15523666143417358}],"sentiment":"neutral","sentiment_score":0.12885213354602457,"num_words":20,"start":1432.4249,"end":1441.945},{"sentences":[{"text":"It's in there for an hour and a half, but don't fret.","start":1441.945,"end":1444.025,"sentiment":"neutral","sentiment_score":0.15040117440124354},{"text":"We'll probably be on the phone for maybe forty minutes.","start":1444.025,"end":1446.5599,"sentiment":"neutral","sentiment_score":0.17770690619945526},{"text":"But it's just that that way, we can both look at our calendars and enjoy the rest of our time.","start":1447.1799,"end":1451.6799,"sentiment":"neutral","sentiment_score":0.32612902149558065},{"text":"Have so much.","start":1452.62,"end":1453.5199,"sentiment":"positive","sentiment_score":0.7541814645131429},{"text":"So I'll send that to you, and I'll get all the advice drawn up, and we can we can go through from there.","start":1454.0599,"end":1459.1849,"sentiment":"positive","sentiment_score":0.4465183991452922}],"sentiment":"neutral","sentiment_score":0.3328960464500329,"num_words":68,"start":1441.945,"end":1459.1849},{"sentences":[{"text":"Okay?","start":1459.1849,"end":1459.6849,"sentiment":"neutral","sentiment_score":0.2940365672111511},{"text":"No.","start":1462.065,"end":1462.385,"sentiment":"neutral","sentiment_score":0.2163403034210205},{"text":"Thanks so much.","start":1462.385,"end":1463.105,"sentiment":"positive","sentiment_score":0.6069654623667399},{"text":"Go and enjoy the rest of your time at the beach.","start":1463.105,"end":1465.205,"sentiment":"positive","sentiment_score":0.5992796326225455},{"text":"Bye.","start":1470.145,"end":1470.645,"sentiment":"neutral","sentiment_score":0.2757500112056732}],"sentiment":"positive","sentiment_score":0.5411234839874155,"num_words":17,"start":1459.1849,"end":1470.645},{"sentences":[{"text":"You 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Elise speaking. I'm good. I'm so sorry. I'm at the beach, and I bloody forgot, didn't I? I think it is. It's nice. No. It's alright. I can yeah. I'm good to go I'm good to chat. Yeah. I'm I'm more than happy to chat. Full name, Elise Jordan McQueen. Date of birth, 1990. And what was the second third one? Address, 4 Fireglow Vista Earth Guide. 8 Little Heath Meander Earth Guide? No. That's okay. You can get that one. That's my brother's house. Yep. Yep. Yep. Yes. Yep. Yep. Perfect. Okay. Yeah. Easy. Yes. That's right. Yep. Both of them are at school. So good. That's why I'm at the beach. Yeah. Freedom. Yep. Feel that. Yep. Yep. Yep. Yep. Three years now. Yes. Yeah. 500 a week. Yes. Yep. Yep. Yep. That's, like, number one priority, so that's how we can travel. Before we eat, we save. Yeah. Travel still at this point in time. We're going so we're in Western Australia at the moment. We're going to where is it? Birdsville. So I don't know. In the middle of Australia for July, and then we're going over to the East Coast for the end of, yeah, for the end of the year. So East Coast will be over there. Hey. Sweet. Yes. Yeah. We've got a there's a music festival there, and we're then we're gonna head up to Airlie, and then we got a wedding in Sydney in November November. So we'll be hanging around the East Coast for a while. Not at the moment. They are in school at the moment, but they will be the second half of the year. Yep. Yes. I get to relax. Yep. Mhmm. Yeah. That's still all the same. Nothing's changed there. Yeah. I'd probably say, I don't know, the same. I would just keep it the same. At the moment? 5. 5 g. Yep. No. Not everything's the same. No. We don't. No. I have been looking into it, but, yeah, that's as far as I've gotten. So we don't have it. No. Yeah. Being an adult and all these adult things, it's it's annoying. Yeah. Yeah. Absolutely. Yep. Yep. Yeah. Maybe 2027, 2028. Travel. Yep. No. No. Not yet. Sometimes. I don't know. When we think about it, we look into it, then we travel and we stop looking into it. Yeah. It'll be in a cup be a couple years. Yeah. Not yet. Yep. Yep. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Mhmm. Yep. Yep. Mhmm. Yep. Yes. Very personal. Yep. Mhmm. Yes. Yep. Mhmm. Mhmm. Yep. Mhmm. Mhmm. First one? No. The first one, I think. Life. Was it life insurance? Yep. Yeah. Yep. Yep. Yep. Perfect. Okay. So would I be moving away from hub twenty four? Okay. Okay. Yep. Yep. Yeah, ma'am. Yep. Yep. Okay. Yep. Yep. Yes. Perfect. Yep. Okay. Yep. Mhmm. No. That's all. That's all I really wanted. Just make sure my family's coming. Mhmm. Sweet. Yep. Yep. Okay. Awesome. Okay. Awesome. Yep. Yep. Yep. I think I have started making contributions because I've started doing, like, a casual cleaning job, and I'm pretty sure they've been. Yeah. Yeah. One in May. Oh, May and then January. January this year? Oh, yeah. Okay. January. Yeah. Okay. Cool. Yeah. So I'm gonna start back casually next week. So they put it in for me. Yeah. That yeah. My business goes into travel, but yeah. And then I'll use this casual gig for putting into my super. Casual. Yeah. Like, $2.50 a week, 500 for now. Cool. Awesome. Thanks so much. Yep. Yep. Yep. Perfect. Love that. Yeah. Wednesdays are good for me. After from ten to eleven, I'm on a call. So after hang on one second because I've got a couple of bookings. Hang on one sec. Yep. That's fine. Yep. Okay. When okay. The fourth. So I just gotta write this down. March. Let's go 11:30. So is that the same time you called me today, but I just didn't answer? 11:30. That's good. Yep. Perfect. Awesome. Thanks so much. I will I will go for it soon. Thank you. Have a good day. 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Elise speaking. I'm good. I'm so sorry. I'm at the beach, and I bloody forgot, didn't I?\n\nI think it is. It's nice. No. It's alright. I can yeah.\n\nI'm good to go I'm good to chat. Yeah. I'm I'm more than happy to chat. Full name, Elise Jordan McQueen. Date of birth, 1990.\n\nAnd what was the second third one? Address, 4 Fireglow Vista Earth Guide. 8 Little Heath Meander Earth Guide? No. That's okay.\n\nYou can get that one. That's my brother's house. Yep. Yep. Yep.\n\nYes. Yep. Yep. Perfect. Okay.\n\nYeah. Easy. Yes. That's right. Yep.\n\nBoth of them are at school. So good. That's why I'm at the beach. Yeah. Freedom.\n\nYep. Feel that. Yep. Yep. Yep.\n\nYep. Three years now. Yes. Yeah. 500 a week.\n\nYes. Yep. Yep. Yep. That's, like, number one priority, so that's how we can travel.\n\nBefore we eat, we save. Yeah. Travel still at this point in time. We're going so we're in Western Australia at the moment. We're going to where is it?\n\nBirdsville. So I don't know. In the middle of Australia for July, and then we're going over to the East Coast for the end of, yeah, for the end of the year. So East Coast will be over there. Hey.\n\nSweet. Yes. Yeah. We've got a there's a music festival there, and we're then we're gonna head up to Airlie, and then we got a wedding in Sydney in November November. So we'll be hanging around the East Coast for a while.\n\nNot at the moment. They are in school at the moment, but they will be the second half of the year. Yep. Yes. I get to relax.\n\nYep. Mhmm. Yeah. That's still all the same. Nothing's changed there.\n\nYeah. I'd probably say, I don't know, the same. I would just keep it the same. At the moment? 5.\n\n5 g. Yep. No. Not everything's the same. No.\n\nWe don't. No. I have been looking into it, but, yeah, that's as far as I've gotten. So we don't have it. No.\n\nYeah. Being an adult and all these adult things, it's it's annoying. Yeah. Yeah. Absolutely.\n\nYep. Yep. Yeah. Maybe 2027, 2028. Travel.\n\nYep. No. No. Not yet. Sometimes.\n\nI don't know. When we think about it, we look into it, then we travel and we stop looking into it. Yeah. It'll be in a cup be a couple years. Yeah.\n\nNot yet. Yep. Yep. Mhmm. Mhmm.\n\nMhmm. Mhmm. Mhmm. Mhmm. Yep.\n\nYep. Mhmm. Yep. Yes. Very personal.\n\nYep. Mhmm. Yes. Yep. Mhmm.\n\nMhmm. Yep. Mhmm. Mhmm. First one?\n\nNo. The first one, I think. Life. Was it life insurance? Yep.\n\nYeah. Yep. Yep. Yep. Perfect.\n\nOkay. So would I be moving away from hub twenty four? Okay. Okay. Yep.\n\nYep. Yeah, ma'am. Yep. Yep. Okay.\n\nYep. Yep. Yes. Perfect. Yep.\n\nOkay. Yep. Mhmm. No. That's all.\n\nThat's all I really wanted. Just make sure my family's coming. Mhmm. Sweet. Yep.\n\nYep. Okay. Awesome. Okay. Awesome.\n\nYep. Yep. Yep. I think I have started making contributions because I've started doing, like, a casual cleaning job, and I'm pretty sure they've been. Yeah.\n\nYeah. One in May. Oh, May and then January. January this year? Oh, yeah.\n\nOkay. January. Yeah. Okay. Cool.\n\nYeah. So I'm gonna start back casually next week. So they put it in for me. Yeah. That yeah.\n\nMy business goes into travel, but yeah. And then I'll use this casual gig for putting into my super. Casual. Yeah. Like, $2.50 a week, 500 for now.\n\nCool. Awesome. Thanks so much. Yep. Yep.\n\nYep. Perfect. Love that. Yeah. Wednesdays are good for me.\n\nAfter from ten to eleven, I'm on a call. So after hang on one second because I've got a couple of bookings. Hang on one sec. Yep. That's fine.\n\nYep. Okay. When okay. The fourth. So I just gotta write this down.\n\nMarch. Let's go 11:30. So is that the same time you called me today, but I just didn't answer? 11:30. That's good.\n\nYep. Perfect. Awesome. Thanks so much. I will I will go for it soon.\n\nThank you. Have a good day. 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think I have started making contributions because I've started doing, like, a casual cleaning job, and I'm pretty sure they've been.","start":1242.08,"end":1249.9401,"sentiment":"neutral","sentiment_score":0.09490106102417815},{"text":"Yeah.","start":1252.8151,"end":1253.3151,"sentiment":"neutral","sentiment_score":0.027797222137451172}],"sentiment":"neutral","sentiment_score":0.08912338302112542,"num_words":26,"start":1224.9349,"end":1253.3151},{"sentences":[{"text":"Yeah.","start":1253.775,"end":1254.275,"sentiment":"neutral","sentiment_score":0.04276127368211746},{"text":"One in May.","start":1259.535,"end":1260.595,"sentiment":"neutral","sentiment_score":0.023010345175862312},{"text":"Oh, May and then January.","start":1262.015,"end":1263.615,"sentiment":"neutral","sentiment_score":0.020229421183466913},{"text":"January this year?","start":1263.615,"end":1264.77,"sentiment":"neutral","sentiment_score":0.009983508537213007},{"text":"Oh, yeah.","start":1266.37,"end":1267.09,"sentiment":"neutral","sentiment_score":0.01753874821588397}],"sentiment":"neutral","sentiment_score":0.019854816940746138,"num_words":14,"start":1253.775,"end":1267.09},{"sentences":[{"text":"Okay.","start":1267.09,"end":1267.59,"sentiment":"neutral","sentiment_score":0.024956561625003815},{"text":"January.","start":1268.13,"end":1268.61,"sentiment":"neutral","sentiment_score":0.02934151515364647},{"text":"Yeah.","start":1268.61,"end":1268.85,"sentiment":"neutral","sentiment_score":0.06731929630041122},{"text":"Okay.","start":1268.85,"end":1269.17,"sentiment":"neutral","sentiment_score":0.13834482431411743},{"text":"Cool.","start":1269.17,"end":1269.65,"sentiment":"neutral","sentiment_score":0.18478763103485107}],"sentiment":"neutral","sentiment_score":0.08894996568560601,"num_words":5,"start":1267.09,"end":1269.65},{"sentences":[{"text":"Yeah.","start":1269.65,"end":1269.97,"sentiment":"neutral","sentiment_score":0.14346066117286682},{"text":"So I'm gonna start back casually next week.","start":1269.97,"end":1272.61,"sentiment":"neutral","sentiment_score":0.18041994981467724},{"text":"So they put it in for me.","start":1272.61,"end":1274.63,"sentiment":"neutral","sentiment_score":0.16522503537791117},{"text":"Yeah.","start":1283.945,"end":1284.345,"sentiment":"neutral","sentiment_score":0.0441538468003273},{"text":"That yeah.","start":1284.345,"end":1284.985,"sentiment":"neutral","sentiment_score":0.05401998944580555}],"sentiment":"neutral","sentiment_score":0.15239943858040006,"num_words":19,"start":1269.65,"end":1284.985},{"sentences":[{"text":"My business goes into travel, but yeah.","start":1284.985,"end":1289.465,"sentiment":"neutral","sentiment_score":0.06799507566860744},{"text":"And then I'll use this casual gig for putting into my super.","start":1289.465,"end":1294.3999,"sentiment":"neutral","sentiment_score":0.11882795455555122},{"text":"Casual.","start":1302.62,"end":1303.12,"sentiment":"neutral","sentiment_score":0.036400094628334045},{"text":"Yeah.","start":1303.34,"end":1303.84,"sentiment":"neutral","sentiment_score":0.04565928876399994},{"text":"Like, $2.50 a week, 500 for now.","start":1303.8999,"end":1309.925,"sentiment":"neutral","sentiment_score":0.06367802832807813}],"sentiment":"neutral","sentiment_score":0.0867752345012767,"num_words":28,"start":1284.985,"end":1309.925},{"sentences":[{"text":"Cool.","start":1329.51,"end":1330.01,"sentiment":"neutral","sentiment_score":0.1829298734664917},{"text":"Awesome.","start":1330.0701,"end":1330.5701,"sentiment":"positive","sentiment_score":0.8387798070907593},{"text":"Thanks so much.","start":1330.63,"end":1331.445,"sentiment":"positive","sentiment_score":0.8484141627947489},{"text":"Yep.","start":1337.9249,"end":1338.4249,"sentiment":"neutral","sentiment_score":0.13855183124542236},{"text":"Yep.","start":1353.2999,"end":1353.7999,"sentiment":"neutral","sentiment_score":0.13207241892814636}],"sentiment":"positive","sentiment_score":0.5482252027307238,"num_words":7,"start":1329.51,"end":1353.7999},{"sentences":[{"text":"Yep.","start":1359.065,"end":1359.565,"sentiment":"neutral","sentiment_score":0.24436885118484497},{"text":"Perfect.","start":1367.7849,"end":1368.2849,"sentiment":"positive","sentiment_score":0.4141408801078797},{"text":"Love that.","start":1368.905,"end":1369.725,"sentiment":"positive","sentiment_score":0.36814628541469574},{"text":"Yeah.","start":1380.85,"end":1381.35,"sentiment":"neutral","sentiment_score":0.04864637553691864},{"text":"Wednesdays are good for me.","start":1382.61,"end":1384.39,"sentiment":"neutral","sentiment_score":0.10183599889278412}],"sentiment":"neutral","sentiment_score":0.19526286721229552,"num_words":10,"start":1359.065,"end":1384.39},{"sentences":[{"text":"After from ten to eleven, I'm on a call.","start":1385.01,"end":1388.825,"sentiment":"neutral","sentiment_score":0.05812136911683612},{"text":"So after hang on one second because I've got a couple of bookings.","start":1388.825,"end":1394.2649,"sentiment":"neutral","sentiment_score":0.053779371369343534},{"text":"Hang on one sec.","start":1394.2649,"end":1395.245,"sentiment":"neutral","sentiment_score":0.013647339539602399},{"text":"Yep.","start":1404.25,"end":1404.57,"sentiment":"neutral","sentiment_score":0.07479890435934067},{"text":"That's fine.","start":1404.57,"end":1405.1299,"sentiment":"neutral","sentiment_score":0.11588021367788316}],"sentiment":"neutral","sentiment_score":0.05459906343884509,"num_words":29,"start":1385.01,"end":1405.1299},{"sentences":[{"text":"Yep.","start":1405.1299,"end":1405.6299,"sentiment":"neutral","sentiment_score":0.05607675015926361},{"text":"Okay.","start":1412.57,"end":1413.07,"sentiment":"neutral","sentiment_score":0.03390637785196304},{"text":"When okay.","start":1416.405,"end":1418.185,"sentiment":"neutral","sentiment_score":0.035309478640556335},{"text":"The fourth.","start":1419.285,"end":1420.025,"sentiment":"neutral","sentiment_score":0.027934104204177856},{"text":"So I just gotta write this down.","start":1420.085,"end":1421.545,"sentiment":"neutral","sentiment_score":0.030488640336053714}],"sentiment":"neutral","sentiment_score":0.033068521234851614,"num_words":13,"start":1405.1299,"end":1421.545},{"sentences":[{"text":"March.","start":1422.245,"end":1422.745,"sentiment":"neutral","sentiment_score":0.005398104898631573},{"text":"Let's go 11:30.","start":1424.885,"end":1427.37,"sentiment":"neutral","sentiment_score":0.047215103482206665},{"text":"So is that the same time you called me today, but I just didn't answer?","start":1427.37,"end":1430.35,"sentiment":"neutral","sentiment_score":0.010974049599220355},{"text":"11:30.","start":1434.3301,"end":1435.13,"sentiment":"neutral","sentiment_score":0.05086302012205124},{"text":"That's good.","start":1435.13,"end":1435.87,"sentiment":"neutral","sentiment_score":0.21909841150045395}],"sentiment":"neutral","sentiment_score":0.036396091020750726,"num_words":22,"start":1422.245,"end":1435.87},{"sentences":[{"text":"Yep.","start":1451.3251,"end":1451.8251,"sentiment":"neutral","sentiment_score":0.05502669885754585},{"text":"Perfect.","start":1452.2051,"end":1452.7051,"sentiment":"positive","sentiment_score":0.8419498205184937},{"text":"Awesome.","start":1460.04,"end":1460.52,"sentiment":"positive","sentiment_score":0.836726188659668},{"text":"Thanks so much.","start":1460.52,"end":1461.3749,"sentiment":"positive","sentiment_score":0.8146356344223022},{"text":"I will I will go for it soon.","start":1465.2949,"end":1467.6349,"sentiment":"positive","sentiment_score":0.5894012153148651}],"sentiment":"positive","sentiment_score":0.6352013809872525,"num_words":14,"start":1451.3251,"end":1467.6349},{"sentences":[{"text":"Thank you.","start":1468.2549,"end":1469.0748,"sentiment":"positive","sentiment_score":0.7654331624507904},{"text":"Have a good day.","start":1469.2148,"end":1470.1948,"sentiment":"positive","sentiment_score":0.6363175958395004},{"text":"Bye.","start":1470.8949,"end":1471.3949,"sentiment":"neutral","sentiment_score":0.18150675296783447}],"sentiment":"positive","sentiment_score":0.6082347801753453,"num_words":7,"start":1468.2549,"end":1471.3949}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Elise speaking.\n\nChannel 0: Hi, Elise. Larissa from O2 Financial. How are you going?\n\nChannel 1: I'm good. I'm so sorry. I'm at the beach, and I bloody forgot, didn't I?\n\nChannel 0: I love that. That's a perfect day.\n\nChannel 1: I think it is. It's nice.\n\nChannel 0: Did you still wanna have a chat today, or do you wanna just enjoy your time at\n\nChannel 1: No. It's alright. I can yeah. I'm good to go I'm good to chat.\n\nChannel 0: She's like, I'm in the sun, the sand. I'm happy to chat.\n\nChannel 1: Yeah. I'm I'm more than happy to chat.\n\nChannel 0: Perfect. Alright. Well, before we jump into it, I do need to let you know our call is recorded. And if I could just get you to confirm security for me. It's just full name, date of birth, and address.\n\nChannel 1: Full name, Elise Jordan McQueen. Date of birth, 1990. And what was the second third one?\n\nChannel 0: Address.\n\nChannel 1: Address, 4 Fireglow Vista Earth Guide.\n\nChannel 0: Would I have another address for you?\n\nChannel 1: 8 Little Heath Meander Earth Guide?\n\nChannel 0: Yep. That's the one. I'm assuming we need to update them.\n\nChannel 1: No. That's okay. You can get that one. That's my brother's house.\n\nChannel 0: Alright. Perfect. Alright. So the purpose of today's call is to go through and give you an update on where everything's at at the moment. And then,\n\nChannel 1: Yep.\n\nChannel 0: additionally, just walk you on on whether there's any advice strategies that we need to look at. One of the major points that we had noted on file was the opportunity to be able to actually have a look at your insurances. So a couple years ago, we transferred your insurance over to your hub twenty four,\n\nChannel 1: Yep.\n\nChannel 0: which gave you the capacity to have the little bit of life and total permanent disability in your hub twenty four fund. But\n\nChannel 1: Yep.\n\nChannel 0: I know that one of the goals that you were looking to achieve was to look at putting sort of, like, a million dollars in place. So that way, you know, the families will cover it and and everyone's\n\nChannel 1: Yes.\n\nChannel 0: okay if anything\n\nChannel 1: Yep.\n\nChannel 0: does happen. Now it's been providing I guess, we haven't strayed a little bit since. It's been a couple of years since any last drug use.\n\nChannel 1: Yep.\n\nChannel 0: And so we can definitely look at undertaking some insurance now and and go from there. So that's\n\nChannel 1: Perfect.\n\nChannel 0: one of the things I definitely wanted to talk to you about today and just, a, make sure that everything's all kosher, see whether we were still wanting to look at that same benefit amount, And then, obviously, have a chat about where your super funds are and see whether there's anything else that you wanna do as well.\n\nChannel 1: Okay. Yeah. Easy.\n\nChannel 0: Cool. Cool. There we are. So I guess the probably the best place to start would be to make sure that everything we have on file is actually up to date because it's been twelve months since we updated everything. So just to confirm, I have you married, and I have two sweet little ones who would be somewhere around the four and five mark.\n\nChannel 1: Yes. That's right. Yep.\n\nChannel 0: Yep. A five year old at school or not yet\n\nChannel 1: Both\n\nChannel 0: next\n\nChannel 1: of\n\nChannel 0: year?\n\nChannel 1: them are at school. So good.\n\nChannel 0: Oh,\n\nChannel 1: That's why I'm at the beach.\n\nChannel 0: right. It's blip, really. I just I sent my last to school this year. So I've got one in high school, and my last is just going to off to to primary school. And\n\nChannel 1: Yeah.\n\nChannel 0: it's it's a feeling. Yeah. It's it's actually perfect.\n\nChannel 1: Freedom. Yep. Feel that.\n\nChannel 0: I've got four daughter stuck in the middle, and she's like, I didn't have anything exciting happening this year. I was like, everything is perfect. Amazing. Now with respect to occupation, I have you as a sole trader, so self employed.\n\nChannel 1: Yep.\n\nChannel 0: And you are, like, content creator, personal branding,\n\nChannel 1: Yep.\n\nChannel 0: affiliated marketing? Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. And you've been doing that for sort of about three years or so?\n\nChannel 1: Yep. Three years now.\n\nChannel 0: Amazing. And income wise, are we still sitting around that 60,000 a year?\n\nChannel 1: Yes.\n\nChannel 0: Perfect. Perfect. And with regards to savings on your income, do you put anything major away in savings each sort of, like, week or month?\n\nChannel 1: Yeah. 500 a week.\n\nChannel 0: Perfect. So are we sort of living mainly off Corey's income?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Amazing. So his income is what sort of pays majority of the bills,\n\nChannel 1: Yep.\n\nChannel 0: and then you guys save with your income.\n\nChannel 1: Yep.\n\nChannel 0: Awesome. Because sort of just on just just over a third of your income's kinda going towards savings.\n\nChannel 1: Yep. That's, like, number one priority, so that's how we can travel.\n\nChannel 0: Yeah.\n\nChannel 1: Before\n\nChannel 0: Perfect.\n\nChannel 1: we\n\nChannel 0: That\n\nChannel 1: eat,\n\nChannel 0: was gonna\n\nChannel 1: we\n\nChannel 0: be\n\nChannel 1: save.\n\nChannel 0: my no. I love it. That was gonna be my next question was, what is the goal with that money? Are we looking to, like, invest it? Are we looking to buy a property?\n\nOr, like, is it travel? What are we sort of looking at doing?\n\nChannel 1: Yeah. Travel still at this\n\nChannel 0: Yeah.\n\nChannel 1: point in time.\n\nChannel 0: Do we have do we have anywhere in mind that we're going next?\n\nChannel 1: We're going so we're in Western Australia at the moment. We're going to where is it? Birdsville. So I don't know. In the middle\n\nChannel 0: Yes.\n\nChannel 1: of Australia for July, and then\n\nChannel 0: Yeah.\n\nChannel 1: we're\n\nChannel 0: I\n\nChannel 1: going\n\nChannel 0: know\n\nChannel 1: over to the\n\nChannel 0: exactly\n\nChannel 1: East Coast\n\nChannel 0: where that is.\n\nChannel 1: for the end of, yeah, for the end of the year. So East Coast will be over there.\n\nChannel 0: Well, we're on the Gold Coast, so you can pop in and say hi. Yeah.\n\nChannel 1: Hey. Sweet.\n\nChannel 0: Perfect. So we're gonna go for a nice, slow, straight shot through the middle.\n\nChannel 1: Yes. Yeah. We've got a there's a music festival there, and we're then we're gonna head up to Airlie, and then we got a wedding in Sydney in November November. So we'll be hanging\n\nChannel 0: Yep.\n\nChannel 1: around the East Coast for a while.\n\nChannel 0: Beautiful. So I'm assuming the kids are homeschooled based on that.\n\nChannel 1: Not at the moment. They are in school at the moment, but they will be the second half of the year.\n\nChannel 0: Yep. Yeah. So transitioning to, like, a home school so that way you guys can continue to travel.\n\nChannel 1: Yep.\n\nChannel 0: I love that. No. Perfect. And for now, it just means that you get to enjoy the the next six months or four days.\n\nChannel 1: Yes.\n\nChannel 0: Get\n\nChannel 1: I\n\nChannel 0: some\n\nChannel 1: get\n\nChannel 0: time\n\nChannel 1: to relax.\n\nChannel 0: on your head.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now with with assets, has there been any major changes to your assets? Because I have, like, the caravan, about 80,000, the car with 40, and then\n\nChannel 1: Mhmm.\n\nChannel 0: you have one third ownership in investment property?\n\nChannel 1: Yeah. That's still all the same. Nothing's changed there.\n\nChannel 0: Yep. Do you know what the investment property value is? I have about 40,000, like, value with about 160 owing.\n\nChannel 1: Yeah. I'd probably say, I don't know, the same. I would just keep it the same.\n\nChannel 0: Yeah. That's okay. Are there any other assets? Like, what what kind of savings do we have in the bank account?\n\nChannel 1: At the moment?\n\nChannel 0: Yeah.\n\nChannel 1: 5.\n\nChannel 0: Thousand?\n\nChannel 1: 5 g. Yep.\n\nChannel 0: Perfect. Amazing. And we don't have any credit cards or anything like that?\n\nChannel 1: No.\n\nChannel 0: Nope. Excellent. Okay.\n\nChannel 1: Not\n\nChannel 0: And there hasn't been any, like, change to your health, well-being, weight gain, weight loss?\n\nChannel 1: everything's\n\nChannel 0: Any\n\nChannel 1: the same.\n\nChannel 0: yeah. We're not taking on any medications, haven't picked up smoking, something like that?\n\nChannel 1: No.\n\nChannel 0: Perfect. Alright. Well, everything's looking pretty crushes there then. I think the only question I probably really wanna ask you is do you have private health insurance? Just the tax implications.\n\nChannel 1: We\n\nChannel 0: Because\n\nChannel 1: don't.\n\nChannel 0: private health, obviously\n\nChannel 1: No. I have been looking into it, but, yeah, that's as far as I've gotten. So we don't have it. No.\n\nChannel 0: I know. It's it's an endeavor in and of itself to undertake any kind of insurance.\n\nChannel 1: Yeah. Being an adult and all these adult things, it's it's annoying.\n\nChannel 0: He's not fair. I know. I've the amount of times I've I have three kids. The amount of times I've, you know, popped over to mom's, you know, on a weekend and just sat there and gone, can I have a coffee? Can you make it?\n\nJust so that way someone's made me something for the week.\n\nChannel 1: Yeah. Yeah. Absolutely.\n\nChannel 0: Awesome. So everything's looking pretty much the same. In terms of goals, I had that you guys were looking to possibly purchase a property within the next few years, but things\n\nChannel 1: Yep.\n\nChannel 0: would have fallen on that front. Is that still\n\nChannel 1: Yep.\n\nChannel 0: something you guys are aiming\n\nChannel 1: Yeah.\n\nChannel 0: towards?\n\nChannel 1: Maybe\n\nChannel 0: Just\n\nChannel 1: 2027, 2028.\n\nChannel 0: Yeah. Probably a little bit more focused on\n\nChannel 1: Travel.\n\nChannel 0: the travel at the moment.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Amazing. And have you sort of talked to a broker about what that looks like for you? Like, what you'd have to have\n\nChannel 1: No.\n\nChannel 0: as a way in savings?\n\nChannel 1: No. Not yet. Sometimes. I don't know. When we think about it, we look into it, then we travel and we stop looking into it.\n\nYeah. It'll be in\n\nChannel 0: Yeah.\n\nChannel 1: a cup\n\nChannel 0: And\n\nChannel 1: be\n\nChannel 0: you're\n\nChannel 1: a couple\n\nChannel 0: like\n\nChannel 1: years.\n\nChannel 0: yeah. Haven't quite figured out where to set down roots\n\nChannel 1: Yeah.\n\nChannel 0: yet. No.\n\nChannel 1: Not\n\nChannel 0: That's perfect. And then with regards to the insurance,\n\nChannel 1: yet.\n\nChannel 0: so twelve months ago, you had sort of wanted to look at\n\nChannel 1: Yep.\n\nChannel 0: about a million dollars worth of life cover because you wanted to make sure that Corey and the kids were protected if anything happened. You weren't\n\nChannel 1: Yep.\n\nChannel 0: interested in looking at total permanent disability, income protection, and trauma.\n\nChannel 1: Mhmm.\n\nChannel 0: Now I wanna go through them because, obviously, twelve months is a long period of\n\nChannel 1: Mhmm.\n\nChannel 0: time, and I wanna make sure that, a, they've been explained to you and you understand what each of those benefits do. And at the end of it, if you're still\n\nChannel 1: Mhmm.\n\nChannel 0: wanting to proceed with just, like, a life insurance, like, direction, we can definitely do that. So life insurance, exactly as it sounds, covers you if you were to pass away, so loss of life. It does also cover you under the condition of terminal illness.\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: It is a lump sum benefit that's paid directly to your estate or to the person you nominate as a beneficiary. So for example, it could go a 100% to Corey. If you nominate the children because they're so young, it would it would end up in Corey's hands anyway just through more paperwork\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: because he's ultimately the guardian of the kids.\n\nChannel 1: Yep.\n\nChannel 0: With total permanent disability, what it does is it it's a lump sum benefit that's payable depending on who the owner of the policy is. If it's owned by a super fund, it's paid to the super fund, and it can therefore be paid either as a lump sum or as an income stream from the super fund. If it's owned by you, then it's paid as a lump sum to you.\n\nChannel 1: Mhmm.\n\nChannel 0: And the whole point of total current disability is that in the in the event that you were never able to work again, the benefit is payable. Now with your occupation, you would have to be quite severely impaired or impacted by an illness or an injury to prevent you from working. Because your\n\nChannel 1: Yep.\n\nChannel 0: work and forgive me if I am very wrong, but your work is quite flexible in\n\nChannel 1: Yes.\n\nChannel 0: the\n\nChannel 1: Very\n\nChannel 0: way that\n\nChannel 1: personal.\n\nChannel 0: providing you can you can work a computer and you have the capacity to talk, take photos,\n\nChannel 1: Yep.\n\nChannel 0: and, you know, work a mouse, you still have flexibility with your job. Yeah.\n\nChannel 1: Mhmm. Yes.\n\nChannel 0: So you would have to be quite quite impacted probably to the point of being unable to do two of the five activities of daily living, which are talking, bathing, toileting, dressing, and feeding yourself.\n\nChannel 1: Yep.\n\nChannel 0: So unable to do two of those things. We can still definitely get total insurance if it's something you wanna look at, but it it's gonna be a bit of a harder claim because of your occupation. Now the other two benefits are income protection. So income protection covers you if you're ill, injured, and unable to do your job,\n\nChannel 1: Mhmm. Mhmm.\n\nChannel 0: and it covers you for a monthly income amount. So it's up to 70% of your income, and it pays you each month that you're off work or unable to do your work your job because of an injury or illness, not because of travel or redundancy or loss of business or anything like that.\n\nChannel 1: Yep.\n\nChannel 0: And then the last benefit is trauma. So out of the three benefits that I've just spoken about, life, total, and income income protection, those benefits can be paid either personally or by your super fund. Trauma is the only benefit out of the four that has to be paid personally. Now trauma\n\nChannel 1: Mhmm.\n\nChannel 0: covers the the diagnosis of the medical majors. So it's heart attack, cancer, stroke, and then your neurological conditions such as muscular dystrophy, Huntington's, Parkinson's, diabetes, stuff like that. So it's actually a lump sum payment that's given upon the diagnosis of to the point where I had a client call up. She said she said I just got informed yesterday that I have stage two cancer, and within a week, she had $300,000 from her policy paid out to her.\n\nChannel 1: Mhmm.\n\nChannel 0: So it's quite a quick turnaround for that that that kind of benefit to be paid out. Now with all four of those benefits being explained, what would you like to actually approach in terms of looking at insurance?\n\nChannel 1: First one?\n\nChannel 0: The the life one?\n\nChannel 1: No. The first one, I think. Life. Was it life\n\nChannel 0: Yeah.\n\nChannel 1: insurance?\n\nChannel 0: Life? Yeah. Yeah. 100%. So\n\nChannel 1: Yep.\n\nChannel 0: we can just look at life insurance, and and we can see, I guess, where that where that lands. Are you still wanting to look at sort of the million dollars? Because that would\n\nChannel 1: Yeah.\n\nChannel 0: ultimately pretty much put put the family in the position of having a fully paid for house, really.\n\nChannel 1: Yep. Yep. Yep. Perfect.\n\nChannel 0: Yeah. Cool. Alright. Well, what I'll do is I can actually do a quick quote up. I'll forget if, like, an indicative amount because that'll give us, like, a good idea as to what we're looking at when it comes to our premium.\n\nAnd then I can obviously go away and have a look at what provider we wanna go ahead with.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: So would I be moving away from hub twenty four?\n\nChannel 0: me. Still your your superannuation provider. It's just the insurance. So, currently,\n\nChannel 1: Okay.\n\nChannel 0: your insurance is your insurance is actually with Cal. It's just a it's a look. It's what? Your insurance policy is what is referred to as a platform policy, which means that the policy is embedded in Hub twenty four. What I wanna do is I wanna remove that from Hub twenty four and give you flexibility.\n\nSo with any new policy that I write, it can be with any insurer. So Tal is one out of sort of 20 different insurers. It's just what we could do at the time when we transferred the insurance. We didn't have a lot of flexibility at that time, but\n\nChannel 1: Okay.\n\nChannel 0: now\n\nChannel 1: Yep.\n\nChannel 0: we have a little bit more flexibility that we could write with anyone. And with your occupation, Hal's probably not the best insurer. And also, their their terminal illness clause is twelve months, and four months. So they just have a little bit less flexibility when it comes to their their policies.\n\nChannel 1: Yep.\n\nChannel 0: So we could just kind of get content. My god. Contact creator. Probably marketing. Let's go with marketing.\n\nChannel 1: Yeah, ma'am.\n\nChannel 0: Yeah. There we go. So, yeah, it just it gives us a little bit more flexibility when it comes to actually getting getting insurance writing a specific benefit amount. You know? Because currently, you only have $200,000.\n\nChannel 1: Yep.\n\nChannel 0: Whereas we could get like, we we could go for a lot more, which should be good for you. Yeah. Cool. So without looking at any of the features of the products or looking at you know, when it comes to life insurance, it's pretty standard across the board. But without sort of doing my homework too, too deep into\n\nChannel 1: Yep.\n\nChannel 0: what, you know, features are there, which I will do obviously off the phone with you, we're looking at anywhere between sort of 3 and $500 a year for a million dollars worth of life insurance.\n\nChannel 1: Okay.\n\nChannel 0: So pretty low. Nothing too too crazy costly,\n\nChannel 1: Yep. Yep.\n\nChannel 0: And that gives you five times the amount that you currently have in insurance,\n\nChannel 1: Yes.\n\nChannel 0: which\n\nChannel 1: Perfect.\n\nChannel 0: will be good.\n\nChannel 1: Yep.\n\nChannel 0: Because currently, you are paying about a $120 per year, and that's for the 200,000 worth of\n\nChannel 1: Okay.\n\nChannel 0: death cover or the life cover and then the\n\nChannel 1: Yep.\n\nChannel 0: 200,000 worth of PPD. So what I'll do is I'll obviously have a look at all the different insurers to make sure that I'm picking the right product for you,\n\nChannel 1: Mhmm.\n\nChannel 0: and we can go from there. But was there any, I guess, other advice or areas that you wanted to look at aside from, like, the insurance as a as a major point?\n\nChannel 1: No. That's all. That's all I really wanted. Just make sure my family's coming.\n\nChannel 0: Yeah. Okay. Well, while I'm looking at the insurance, what I'll do is I can also have a look at some of the investment products that we have on your 24 funds just to make sure that they are invested right. Because, obviously, the market does move and change. And over the last twelve months, we've definitely gone through it.\n\nChannel 1: Mhmm.\n\nChannel 0: So I wanna make sure that everything's sitting right there. I can definitely see that you've got, like, you've got gold assets in the fund, which is fantastic. Gold's been Australian Equities Fund, which hasn't gone very well. So I definitely wanna look at pulling out of that a bit. And then the other assets that you have are sitting pretty okay, to be completely honest.\n\nSo I just wanna\n\nChannel 1: Sweet.\n\nChannel 0: sort of maybe do a little bit of a revision to the assets that you're holding. Nothing too too crazy because you've got a good spread. Like, you've got\n\nChannel 1: Yep.\n\nChannel 0: some gold assets, like I said. You've got India. You've got some cybersecurity hold there. You've got health assets. You've got, you know, your international and your national shares as well, which is really, really good.\n\nLike, you've got good diversity across sectors. But we still wanna make sure that we're, you know, refreshing the the holdings as the market\n\nChannel 1: Yep.\n\nChannel 0: moves.\n\nChannel 1: Okay.\n\nChannel 0: And that Benelon fund just hasn't quite pulled its weight the way we would want it to. So definitely kicking that one to the curb and and pulling\n\nChannel 1: Awesome.\n\nChannel 0: something up and put it to place would be really good. So what I can do is I can just kinda have a look, tear those those bill a little bit apart and and get something a little bit more maybe cost effective, a little bit better performance history as well\n\nChannel 1: Okay.\n\nChannel 0: put into the\n\nChannel 1: Awesome.\n\nChannel 0: fund to get that moving for you.\n\nChannel 1: Yep.\n\nChannel 0: Other than that, I know that couple twelve months ago, we weren't really looking at putting sort of contributions in until we looked at the insurance.\n\nChannel 1: Yep.\n\nChannel 0: If I was to recommend that we did start making some contributions to the fund, how\n\nChannel 1: Yep.\n\nChannel 0: comfortable would you be on that front?\n\nChannel 1: I think I have started making contributions because I've started doing, like, a casual cleaning job, and I'm\n\nChannel 0: I can\n\nChannel 1: pretty\n\nChannel 0: see\n\nChannel 1: sure\n\nChannel 0: that there\n\nChannel 1: they've\n\nChannel 0: are\n\nChannel 1: been.\n\nChannel 0: a couple of, yeah, there are a couple of contributions that they've popped\n\nChannel 1: Yeah.\n\nChannel 0: in.\n\nChannel 1: Yeah.\n\nChannel 0: They popped in one one in May and then one in January. So May last\n\nChannel 1: One\n\nChannel 0: year\n\nChannel 1: in\n\nChannel 0: and then\n\nChannel 1: May.\n\nChannel 0: January this year.\n\nChannel 1: Oh, May and then January. January this year?\n\nChannel 0: Yes. Yeah. January\n\nChannel 1: Oh,\n\nChannel 0: this year.\n\nChannel 1: yeah.\n\nChannel 0: Sorry.\n\nChannel 1: Okay. January. Yeah. Okay. Cool.\n\nYeah. So I'm gonna start back casually next week. So they put it in for me.\n\nChannel 0: Okay. Perfect. Did you wanna make any contributions from the business, or are you trying to focus that cash flow mainly on the travel costs?\n\nChannel 1: Yeah. That yeah. My business goes into travel, but yeah. And then I'll use this casual gig for putting into my super.\n\nChannel 0: Yeah. Okay. Perfect. That's absolutely fine. Alright.\n\nWell, do you know how much you're gonna be earning roughly from the cleaning job?\n\nChannel 1: Casual. Yeah. Like, $2.50 a week, 500 for now.\n\nChannel 0: Yeah. Perfect. No. That's okay. Cool.\n\nJust look down. So that's 500 per fortnight. And I'll do the math on what that looks like contributions wise just so that way when I draw up the advice documents, I can consider that as contributions and how that's gonna affect the funds and the investments and everything else. Okay?\n\nChannel 1: Cool. Awesome. Thanks so much.\n\nChannel 0: Perfect. No. That's okay. What I'll do is I will email you a bit of a a annual pack.\n\nChannel 1: Yep.\n\nChannel 0: We draw those up, and it just gives you, like, a bit of a statement on where everything's sitting right now, a rundown on your superannuation fund, and it also sends you our ongoing service agreement. So that's so we can continue providing advice to you. So\n\nChannel 1: Yep.\n\nChannel 0: as as we do, we charge 1.65% of your superannuation fund balance,\n\nChannel 1: Yep.\n\nChannel 0: And all that does is that enables me to go away and put the advice together, refresh the assets, get the insurance all investigated, and go\n\nChannel 1: Perfect.\n\nChannel 0: from there. Now\n\nChannel 1: Love that.\n\nChannel 0: if I need, say, a week, would or a week and a half, would that be enough time to to be able to give you a callback? Is there a specific day that does generally suit you that we can\n\nChannel 1: Yeah.\n\nChannel 0: go through that advice?\n\nChannel 1: Wednesdays are good for me. After\n\nChannel 0: Yeah.\n\nChannel 1: from ten to eleven, I'm on a call. So after hang on one second because I've got a couple of bookings. Hang on one sec.\n\nChannel 0: No. You're okay. So I would probably be looking at Wednesday the fourth, if that's okay.\n\nChannel 1: Yep. That's fine. Yep.\n\nChannel 0: What time suits you?\n\nChannel 1: Okay. When okay. The fourth. So I just gotta write this down.\n\nChannel 0: No.\n\nChannel 1: March.\n\nChannel 0: You're okay. What I'm gonna do is I'll I'll send\n\nChannel 1: Let's\n\nChannel 0: you a\n\nChannel 1: go\n\nChannel 0: calendar invite as well.\n\nChannel 1: 11:30. So is that the same time you called me today, but I just didn't answer?\n\nChannel 0: Yeah. That's the same time.\n\nChannel 1: 11:30. That's\n\nChannel 0: Perfect.\n\nChannel 1: good.\n\nChannel 0: So 11:30 your time. It's 01:30 my time. I will send you a calendar invite. It's in there for an hour and a half, but don't fret. We'll probably be on the phone for maybe forty minutes.\n\nBut it's just that that way, we can both look at our calendars and enjoy the rest of our time.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Have so much. So I'll send that to you, and I'll get all the advice drawn up, and we can we can go through from there. Okay?\n\nChannel 1: Awesome. Thanks so much.\n\nChannel 0: No. Thanks so much. Go and enjoy the rest of your time at the beach.\n\nChannel 1: I will I will go for it soon. Thank you. Have a good day.\n\nChannel 0: Bye. You\n\nChannel 1: Bye.\n\nChannel 0: too. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.76,"end":2.1599998,"sentiment":"neutral","sentiment_score":0.04064212366938591},{"text":"Elise speaking.","start":2.1599998,"end":3.06,"sentiment":"neutral","sentiment_score":0.03989395312964916}],"sentiment":"neutral","sentiment_score":0.04014334330956141,"channel":1,"num_words":3,"start":1.76,"end":3.06},{"sentences":[{"text":"Hi, Elise.","start":4.4,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.2071709856390953},{"text":"Larissa from O2 Financial.","start":5.2799997,"end":6.64,"sentiment":"neutral","sentiment_score":0.18086212873458862},{"text":"How are you going?","start":6.64,"end":7.46,"sentiment":"neutral","sentiment_score":0.2311975099146366}],"sentiment":"neutral","sentiment_score":0.20625805258750915,"channel":0,"num_words":10,"start":4.4,"end":7.46},{"sentences":[{"text":"I'm good.","start":7.52,"end":8.16,"sentiment":"positive","sentiment_score":0.4718681871891022},{"text":"I'm so sorry.","start":8.16,"end":8.96,"sentiment":"neutral","sentiment_score":-0.01240558053056399},{"text":"I'm at the beach, and I bloody forgot, didn't I?","start":8.96,"end":11.7,"sentiment":"neutral","sentiment_score":-0.08914542309939862}],"sentiment":"neutral","sentiment_score":0.0010043601195017496,"channel":1,"num_words":15,"start":7.52,"end":11.7},{"sentences":[{"text":"I love that.","start":14.315,"end":15.275,"sentiment":"positive","sentiment_score":0.61789604028066},{"text":"That's a perfect day.","start":15.275,"end":17.535,"sentiment":"positive","sentiment_score":0.7665734738111496}],"sentiment":"positive","sentiment_score":0.702854573726654,"channel":0,"num_words":7,"start":14.315,"end":17.535},{"sentences":[{"text":"I think it is.","start":17.845,"end":18.564999,"sentiment":"positive","sentiment_score":0.6116717159748077},{"text":"It's nice.","start":18.564999,"end":19.224998,"sentiment":"positive","sentiment_score":0.6453947126865387}],"sentiment":"positive","sentiment_score":0.622912714878718,"channel":1,"num_words":6,"start":17.845,"end":19.224998},{"sentences":[{"text":"Did you still wanna have a chat today, or do you wanna just enjoy your time at","start":20.074999,"end":23.855,"sentiment":"neutral","sentiment_score":0.16849731610101812}],"sentiment":"neutral","sentiment_score":0.16849731610101812,"channel":0,"num_words":17,"start":20.074999,"end":23.855},{"sentences":[{"text":"No.","start":24.165,"end":24.404999,"sentiment":"neutral","sentiment_score":0.001802489161491394},{"text":"It's alright.","start":24.404999,"end":24.884998,"sentiment":"neutral","sentiment_score":0.08244423754513264},{"text":"I can yeah.","start":24.884998,"end":25.525,"sentiment":"neutral","sentiment_score":0.2726567139228185},{"text":"I'm good to go I'm good to chat.","start":25.525,"end":27.224998,"sentiment":"positive","sentiment_score":0.43370503559708595}],"sentiment":"neutral","sentiment_score":0.3181643850569214,"channel":1,"num_words":14,"start":24.165,"end":27.224998},{"sentences":[{"text":"She's like, I'm in the sun, the sand.","start":28.06,"end":30.4,"sentiment":"positive","sentiment_score":0.3715251386165619},{"text":"I'm happy to chat.","start":30.46,"end":31.84,"sentiment":"positive","sentiment_score":0.5593789219856262}],"sentiment":"positive","sentiment_score":0.43414306640625,"channel":0,"num_words":12,"start":28.06,"end":31.84},{"sentences":[{"text":"Yeah.","start":31.99,"end":32.309998,"sentiment":"positive","sentiment_score":0.4243302345275879},{"text":"I'm I'm more than happy to chat.","start":32.309998,"end":34.09,"sentiment":"positive","sentiment_score":0.5978752544948033}],"sentiment":"positive","sentiment_score":0.5761821269989014,"channel":1,"num_words":8,"start":31.99,"end":34.09},{"sentences":[{"text":"Perfect.","start":35.1,"end":35.579998,"sentiment":"positive","sentiment_score":0.574641764163971},{"text":"Alright.","start":35.579998,"end":35.899998,"sentiment":"neutral","sentiment_score":0.1928142607212067},{"text":"Well, before we jump into it, I do need to let you know our call is recorded.","start":35.899998,"end":38.8,"sentiment":"neutral","sentiment_score":0.029083706657676137},{"text":"And if I could just get you to confirm security for me.","start":40.035,"end":42.434998,"sentiment":"neutral","sentiment_score":0.04208560629437367},{"text":"It's just full name, date of birth, and address.","start":42.434998,"end":44.295,"sentiment":"neutral","sentiment_score":0.03578424412343237}],"sentiment":"neutral","sentiment_score":0.052224112767726184,"channel":0,"num_words":40,"start":35.1,"end":44.295},{"sentences":[{"text":"Full name, Elise Jordan McQueen.","start":45.505,"end":47.105,"sentiment":"neutral","sentiment_score":0.03359922729432583},{"text":"Date of birth, 1990.","start":47.105,"end":49.505,"sentiment":"neutral","sentiment_score":0.013750200159847736},{"text":"And what was the second third one?","start":49.505,"end":51.364998,"sentiment":"neutral","sentiment_score":0.006085746056799378}],"sentiment":"neutral","sentiment_score":0.016599822469288483,"channel":1,"num_words":16,"start":45.505,"end":51.364998},{"sentences":[{"text":"Address.","start":52.675,"end":53.175,"sentiment":"neutral","sentiment_score":0.002637056168168783}],"sentiment":"neutral","sentiment_score":0.002637056168168783,"channel":0,"num_words":1,"start":52.675,"end":53.175},{"sentences":[{"text":"Address, 4 Fireglow Vista Earth Guide.","start":53.825,"end":57.845,"sentiment":"neutral","sentiment_score":0.014770934901510676}],"sentiment":"neutral","sentiment_score":0.014770934901510676,"channel":1,"num_words":6,"start":53.825,"end":57.845},{"sentences":[{"text":"Would I have another address for you?","start":62.800003,"end":65.06,"sentiment":"neutral","sentiment_score":0.0010082627912717207}],"sentiment":"neutral","sentiment_score":0.0010082627912717207,"channel":0,"num_words":7,"start":62.800003,"end":65.06},{"sentences":[{"text":"8 Little Heath Meander Earth Guide?","start":65.590004,"end":67.69,"sentiment":"neutral","sentiment_score":0.008772154338657856}],"sentiment":"neutral","sentiment_score":0.008772154338657856,"channel":1,"num_words":6,"start":65.590004,"end":67.69},{"sentences":[{"text":"Yep.","start":68.675,"end":68.995,"sentiment":"neutral","sentiment_score":0.017496414482593536},{"text":"That's the one.","start":68.995,"end":69.635,"sentiment":"neutral","sentiment_score":0.002002339499692122},{"text":"I'm assuming we need to update them.","start":69.635,"end":71.575,"sentiment":"neutral","sentiment_score":-0.021689364287470068}],"sentiment":"neutral","sentiment_score":-0.01166564700278369,"channel":0,"num_words":11,"start":68.675,"end":71.575},{"sentences":[{"text":"No.","start":72.095,"end":72.335,"sentiment":"neutral","sentiment_score":-0.0842311829328537},{"text":"That's okay.","start":72.335,"end":72.735,"sentiment":"neutral","sentiment_score":-0.03868113365024328},{"text":"You can get that one.","start":72.735,"end":73.375,"sentiment":"neutral","sentiment_score":-0.0018755331635475158},{"text":"That's my brother's house.","start":73.375,"end":74.674995,"sentiment":"neutral","sentiment_score":0.012279577553272247}],"sentiment":"neutral","sentiment_score":-0.010154400486499071,"channel":1,"num_words":12,"start":72.095,"end":74.674995},{"sentences":[{"text":"Alright.","start":75.875,"end":76.355,"sentiment":"neutral","sentiment_score":0.14156195521354675},{"text":"Perfect.","start":76.355,"end":76.855,"sentiment":"neutral","sentiment_score":0.25180330872535706},{"text":"Alright.","start":77.555,"end":78.055,"sentiment":"neutral","sentiment_score":0.1399018168449402},{"text":"So the purpose of today's call is to go through and give you an update on where everything's at at the moment.","start":78.835,"end":85.07,"sentiment":"neutral","sentiment_score":0.11453196406364441},{"text":"And then,","start":85.45,"end":86.01,"sentiment":"neutral","sentiment_score":0.09033012762665749}],"sentiment":"neutral","sentiment_score":0.11976409427545688,"channel":0,"num_words":27,"start":75.875,"end":86.01},{"sentences":[{"text":"Yep.","start":85.740005,"end":86.240005,"sentiment":"neutral","sentiment_score":0.0825822576880455}],"sentiment":"neutral","sentiment_score":0.0825822576880455,"channel":1,"num_words":1,"start":85.740005,"end":86.240005},{"sentences":[{"text":"additionally, just walk you on on whether there's any advice strategies that we need to look at.","start":86.01,"end":94.205,"sentiment":"neutral","sentiment_score":0.11890224849476534},{"text":"One of the major points that we had noted on file was the opportunity to be able to actually have a look at your insurances.","start":94.425,"end":101.805,"sentiment":"neutral","sentiment_score":0.09321457594633102},{"text":"So a couple years ago, we transferred your insurance over to your hub twenty four,","start":102.185005,"end":108.700005,"sentiment":"neutral","sentiment_score":0.04800542121132215}],"sentiment":"neutral","sentiment_score":0.08897866563577402,"channel":0,"num_words":57,"start":86.01,"end":108.700005},{"sentences":[{"text":"Yep.","start":109.015,"end":109.515,"sentiment":"neutral","sentiment_score":0.0654967874288559}],"sentiment":"neutral","sentiment_score":0.0654967874288559,"channel":1,"num_words":1,"start":109.015,"end":109.515},{"sentences":[{"text":"which gave you the capacity to have the little bit of life and total permanent disability in your hub twenty four fund.","start":109.32,"end":118.62,"sentiment":"neutral","sentiment_score":0.0429156744344668},{"text":"But","start":119.08,"end":119.240005,"sentiment":"neutral","sentiment_score":0.05131067708134651}],"sentiment":"neutral","sentiment_score":0.04328067454954852,"channel":0,"num_words":23,"start":109.32,"end":119.240005},{"sentences":[{"text":"Yep.","start":119.14,"end":119.64,"sentiment":"neutral","sentiment_score":0.05406251549720764}],"sentiment":"neutral","sentiment_score":0.05406251549720764,"channel":1,"num_words":1,"start":119.14,"end":119.64},{"sentences":[{"text":"I know that one of the goals that you were looking to achieve was to look at putting sort of, like, a million dollars in place.","start":119.240005,"end":127.335,"sentiment":"neutral","sentiment_score":0.0695098154963209},{"text":"So that way, you know, the families will cover it and and everyone's","start":127.335,"end":131.495,"sentiment":"positive","sentiment_score":0.34864266789876497}],"sentiment":"neutral","sentiment_score":0.16255409963046893,"channel":0,"num_words":39,"start":119.240005,"end":131.495},{"sentences":[{"text":"Yes.","start":131.495,"end":131.995,"sentiment":"neutral","sentiment_score":0.188470721244812}],"sentiment":"neutral","sentiment_score":0.188470721244812,"channel":1,"num_words":1,"start":131.495,"end":131.995},{"sentences":[{"text":"okay if anything","start":131.495,"end":132.535,"sentiment":"neutral","sentiment_score":0.1723143383860588}],"sentiment":"neutral","sentiment_score":0.1723143383860588,"channel":0,"num_words":3,"start":131.495,"end":132.535},{"sentences":[{"text":"Yep.","start":132.535,"end":133.035,"sentiment":"neutral","sentiment_score":0.08232539892196655}],"sentiment":"neutral","sentiment_score":0.08232539892196655,"channel":1,"num_words":1,"start":132.535,"end":133.035},{"sentences":[{"text":"does 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or unable to do your work your job because of an injury or illness, not because of travel or redundancy or loss of business or anything like that.","start":779.57495,"end":794.235,"sentiment":"neutral","sentiment_score":-0.05104457153736249}],"sentiment":"neutral","sentiment_score":-0.04226558408276601,"channel":0,"num_words":55,"start":775.77,"end":794.235},{"sentences":[{"text":"Yep.","start":794.52997,"end":795.02997,"sentiment":"neutral","sentiment_score":0.011238104663789272}],"sentiment":"neutral","sentiment_score":0.011238104663789272,"channel":1,"num_words":1,"start":794.52997,"end":795.02997},{"sentences":[{"text":"And then the last benefit is trauma.","start":795.52,"end":797.38,"sentiment":"neutral","sentiment_score":-0.08418952460799899},{"text":"So out of the three benefits that I've just spoken about, life, total, and income income protection, those benefits can be paid either personally or by your super 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such as muscular dystrophy, Huntington's, Parkinson's, diabetes, stuff like that.","start":818.175,"end":828.42004,"sentiment":"neutral","sentiment_score":-0.08142639714337531},{"text":"So it's actually a lump sum payment that's given upon the diagnosis of to the point where I had a client call up.","start":828.42004,"end":834.66003,"sentiment":"neutral","sentiment_score":0.003816525573315828},{"text":"She said she said I just got informed yesterday that I have stage two cancer, and within a week, she had $300,000 from her policy paid out to her.","start":834.66003,"end":842.84503,"sentiment":"neutral","sentiment_score":-0.09984450658847546}],"sentiment":"neutral","sentiment_score":-0.06453055883815259,"channel":0,"num_words":81,"start":813.615,"end":842.84503},{"sentences":[{"text":"Mhmm.","start":843.475,"end":843.975,"sentiment":"neutral","sentiment_score":0.007018566131591797}],"sentiment":"neutral","sentiment_score":0.007018566131591797,"channel":1,"num_words":1,"start":843.475,"end":843.975},{"sentences":[{"text":"So it's quite a quick turnaround for that that that kind of benefit to be paid out.","start":843.54504,"end":848.205,"sentiment":"neutral","sentiment_score":0.036259819041280186},{"text":"Now with all four of those benefits being explained, what would you like to actually approach in terms of looking at insurance?","start":849.61,"end":859.79,"sentiment":"neutral","sentiment_score":-0.002148670144379139}],"sentiment":"neutral","sentiment_score":0.014593491808344156,"channel":0,"num_words":39,"start":843.54504,"end":859.79},{"sentences":[{"text":"First one?","start":864.505,"end":867.725,"sentiment":"neutral","sentiment_score":-0.010795027017593384}],"sentiment":"neutral","sentiment_score":-0.010795027017593384,"channel":1,"num_words":2,"start":864.505,"end":867.725},{"sentences":[{"text":"The the life one?","start":867.255,"end":868.47504,"sentiment":"neutral","sentiment_score":-0.024078915361315012}],"sentiment":"neutral","sentiment_score":-0.024078915361315012,"channel":0,"num_words":4,"start":867.255,"end":868.47504},{"sentences":[{"text":"No.","start":869.945,"end":870.185,"sentiment":"neutral","sentiment_score":-0.0871688574552536},{"text":"The first one, I think.","start":870.185,"end":871.305,"sentiment":"neutral","sentiment_score":-0.0480094276368618},{"text":"Life.","start":871.305,"end":871.805,"sentiment":"neutral","sentiment_score":-0.02607114426791668},{"text":"Was it life","start":871.945,"end":872.58496,"sentiment":"neutral","sentiment_score":-0.024557750051220257}],"sentiment":"neutral","sentiment_score":-0.042696039006114,"channel":1,"num_words":10,"start":869.945,"end":872.58496},{"sentences":[{"text":"Yeah.","start":872.53503,"end":872.935,"sentiment":"neutral","sentiment_score":-0.02306952513754368}],"sentiment":"neutral","sentiment_score":-0.02306952513754368,"channel":0,"num_words":1,"start":872.53503,"end":872.935},{"sentences":[{"text":"insurance?","start":872.58496,"end":873.08496,"sentiment":"neutral","sentiment_score":-0.029209870845079425}],"sentiment":"neutral","sentiment_score":-0.029209870845079425,"channel":1,"num_words":1,"start":872.58496,"end":873.08496},{"sentences":[{"text":"Life?","start":872.935,"end":873.435,"sentiment":"neutral","sentiment_score":-0.027610743418335915},{"text":"Yeah.","start":874.135,"end":874.635,"sentiment":"neutral","sentiment_score":-0.0007415413856506348},{"text":"Yeah.","start":874.85504,"end":875.335,"sentiment":"neutral","sentiment_score":0.0186078529804945},{"text":"100%.","start":875.335,"end":876.155,"sentiment":"neutral","sentiment_score":0.041269805282354355},{"text":"So","start":876.375,"end":876.53503,"sentiment":"neutral","sentiment_score":0.031642477959394455}],"sentiment":"neutral","sentiment_score":0.012633570283651353,"channel":0,"num_words":5,"start":872.935,"end":876.53503},{"sentences":[{"text":"Yep.","start":876.505,"end":877.005,"sentiment":"neutral","sentiment_score":0.0415177196264267}],"sentiment":"neutral","sentiment_score":0.0415177196264267,"channel":1,"num_words":1,"start":876.505,"end":877.005},{"sentences":[{"text":"we can just look at life insurance, and and we can see, I guess, where that where that lands.","start":876.53503,"end":884.52997,"sentiment":"neutral","sentiment_score":0.002727345122318519},{"text":"Are you still wanting to look at sort of the million dollars?","start":885.14996,"end":887.81,"sentiment":"neutral","sentiment_score":-0.04534128323818246},{"text":"Because that would","start":887.95,"end":888.51,"sentiment":"neutral","sentiment_score":-0.0016941614449024194}],"sentiment":"neutral","sentiment_score":-0.01462818605496603,"channel":0,"num_words":34,"start":876.53503,"end":888.51},{"sentences":[{"text":"Yeah.","start":888.39996,"end":888.89996,"sentiment":"neutral","sentiment_score":0.03644733503460884}],"sentiment":"neutral","sentiment_score":0.03644733503460884,"channel":1,"num_words":1,"start":888.39996,"end":888.89996},{"sentences":[{"text":"ultimately pretty much put put the family in the position of having a fully paid for house, 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what I'll do is I can actually do a quick quote up.","start":903.30505,"end":907.08997,"sentiment":"neutral","sentiment_score":0.2077808941786106},{"text":"I'll forget if, like, an indicative amount because that'll give us, like, a good idea as to what we're looking at when it comes to our premium.","start":907.08997,"end":916.62994,"sentiment":"neutral","sentiment_score":0.14335801424803557}],"sentiment":"neutral","sentiment_score":0.1799527964619703,"channel":0,"num_words":43,"start":901.705,"end":916.62994},{"sentences":[{"text":"And then I can obviously go away and have a look at what provider we wanna go ahead with.","start":917.56995,"end":924.225,"sentiment":"neutral","sentiment_score":0.05986009204858228}],"sentiment":"neutral","sentiment_score":0.05986009204858228,"channel":0,"num_words":19,"start":917.56995,"end":924.225},{"sentences":[{"text":"Okay.","start":924.91504,"end":925.41504,"sentiment":"neutral","sentiment_score":0.005295560695230961}],"sentiment":"neutral","sentiment_score":0.005295560695230961,"channel":1,"num_words":1,"start":924.91504,"end":925.41504},{"sentences":[{"text":"So","start":925.725,"end":925.96497,"sentiment":"neutral","sentiment_score":-0.03162010759115219}],"sentiment":"neutral","sentiment_score":-0.03162010759115219,"channel":0,"num_words":1,"start":925.725,"end":925.96497},{"sentences":[{"text":"So would I be moving away from hub twenty four?","start":926.03503,"end":929.175,"sentiment":"neutral","sentiment_score":-0.09321122467517853}],"sentiment":"neutral","sentiment_score":-0.09321122467517853,"channel":1,"num_words":10,"start":926.03503,"end":929.175},{"sentences":[{"text":"me.","start":929.96497,"end":930.46497,"sentiment":"neutral","sentiment_score":-0.05169801786541939},{"text":"Still your your superannuation provider.","start":931.565,"end":933.90497,"sentiment":"neutral","sentiment_score":-0.030841787904500963},{"text":"It's just the insurance.","start":933.96497,"end":935.345,"sentiment":"neutral","sentiment_score":-0.02733517996966839},{"text":"So, currently,","start":935.85,"end":936.51,"sentiment":"neutral","sentiment_score":-0.014558952301740646}],"sentiment":"neutral","sentiment_score":-0.028697131822506588,"channel":0,"num_words":12,"start":929.96497,"end":936.51},{"sentences":[{"text":"Okay.","start":936.17,"end":936.67,"sentiment":"neutral","sentiment_score":-0.0021942872554063797}],"sentiment":"neutral","sentiment_score":-0.0021942872554063797,"channel":1,"num_words":1,"start":936.17,"end":936.67},{"sentences":[{"text":"your insurance is your insurance is actually with Cal.","start":936.57,"end":939.87,"sentiment":"neutral","sentiment_score":-0.015458069224324491},{"text":"It's just a it's a look.","start":940.32996,"end":942.91,"sentiment":"neutral","sentiment_score":-0.004427945745798449},{"text":"It's what?","start":943.05,"end":943.79,"sentiment":"neutral","sentiment_score":-0.0030146318022161722},{"text":"Your insurance policy is what is referred to as a platform policy, which means that the policy is embedded in Hub twenty four.","start":944.81,"end":954.135,"sentiment":"neutral","sentiment_score":-0.025062589217787205},{"text":"What I wanna do is I wanna remove that from Hub twenty four and give you flexibility.","start":954.275,"end":960.695,"sentiment":"neutral","sentiment_score":-0.054836149272673274}],"sentiment":"neutral","sentiment_score":-0.029480239486713942,"channel":0,"num_words":57,"start":936.57,"end":960.695},{"sentences":[{"text":"So with any new policy that I write, it can be with any insurer.","start":961.075,"end":965.76996,"sentiment":"neutral","sentiment_score":0.0077272786625794},{"text":"So Tal is one out of sort of 20 different insurers.","start":965.76996,"end":968.51,"sentiment":"neutral","sentiment_score":-0.05432041192596609},{"text":"It's just what we could do at the time when we transferred the insurance.","start":970.32996,"end":974.99,"sentiment":"neutral","sentiment_score":-0.05379562292780195},{"text":"We didn't have a lot of flexibility at that time, 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flexibility that we could write with anyone.","start":978.52496,"end":981.985,"sentiment":"neutral","sentiment_score":-0.011530515379630603},{"text":"And with your occupation, Hal's probably not the best insurer.","start":982.365,"end":986.385,"sentiment":"neutral","sentiment_score":-0.2971072219312191},{"text":"And also, their their terminal illness clause is twelve months, and four months.","start":987.08496,"end":992.97003,"sentiment":"neutral","sentiment_score":-0.2023249360231253},{"text":"So they just have a little bit less flexibility when it comes to their their policies.","start":992.97003,"end":997.07,"sentiment":"neutral","sentiment_score":-0.19862495176494122}],"sentiment":"neutral","sentiment_score":-0.17171523684205917,"channel":0,"num_words":52,"start":978.52496,"end":997.07},{"sentences":[{"text":"Yep.","start":997.76,"end":998.26,"sentiment":"neutral","sentiment_score":0.008786138147115707}],"sentiment":"neutral","sentiment_score":0.008786138147115707,"channel":1,"num_words":1,"start":997.76,"end":998.26},{"sentences":[{"text":"So we could just kind of get content.","start":998.49,"end":1004.83,"sentiment":"neutral","sentiment_score":0.003079551621340215},{"text":"My god.","start":1005.13,"end":1005.735,"sentiment":"neutral","sentiment_score":0.01099962554872036},{"text":"Contact creator.","start":1005.975,"end":1006.795,"sentiment":"neutral","sentiment_score":0.015666719526052475},{"text":"Probably marketing.","start":1006.935,"end":1007.735,"sentiment":"neutral","sentiment_score":-0.0011666878126561642},{"text":"Let's go with marketing.","start":1007.735,"end":1008.795,"sentiment":"neutral","sentiment_score":0.010340471053496003}],"sentiment":"neutral","sentiment_score":0.006499867317163282,"channel":0,"num_words":18,"start":998.49,"end":1008.795},{"sentences":[{"text":"Yeah, ma'am.","start":1009.07495,"end":1009.815,"sentiment":"neutral","sentiment_score":0.043069180101156235}],"sentiment":"neutral","sentiment_score":0.043069180101156235,"channel":1,"num_words":2,"start":1009.07495,"end":1009.815},{"sentences":[{"text":"Yeah.","start":1011.015,"end":1011.515,"sentiment":"neutral","sentiment_score":0.04284015670418739},{"text":"There we go.","start":1014.21497,"end":1015.035,"sentiment":"neutral","sentiment_score":0.0325138537834088},{"text":"So, yeah, it just it gives us a little bit more flexibility when it comes to actually getting getting insurance writing a specific benefit amount.","start":1015.575,"end":1025.14,"sentiment":"neutral","sentiment_score":0.0688648246973753},{"text":"You know?","start":1026.16,"end":1026.64,"sentiment":"neutral","sentiment_score":0.0037249550223350525},{"text":"Because currently, you only have $200,000.","start":1026.64,"end":1029.0599,"sentiment":"neutral","sentiment_score":-0.0042307643840710325}],"sentiment":"neutral","sentiment_score":0.04983966646564973,"channel":0,"num_words":37,"start":1011.015,"end":1029.0599},{"sentences":[{"text":"Yep.","start":1029.7351,"end":1030.2351,"sentiment":"neutral","sentiment_score":0.06910854578018188}],"sentiment":"neutral","sentiment_score":0.06910854578018188,"channel":1,"num_words":1,"start":1029.7351,"end":1030.2351},{"sentences":[{"text":"Whereas we could get like, we we could go for a lot more, which should be good for you.","start":1029.76,"end":1036.415,"sentiment":"neutral","sentiment_score":0.07155223190784454},{"text":"Yeah.","start":1037.995,"end":1038.315,"sentiment":"neutral","sentiment_score":0.17133143544197085},{"text":"Cool.","start":1038.315,"end":1038.815,"sentiment":"neutral","sentiment_score":0.23417726159095764},{"text":"So without looking at any of the features of the products or looking at you know, when it comes to life insurance, it's pretty standard across the board.","start":1038.875,"end":1046.735,"sentiment":"neutral","sentiment_score":0.10688753346247333},{"text":"But without sort of doing my homework too, too deep into","start":1046.795,"end":1050.53,"sentiment":"neutral","sentiment_score":-0.04466488720341162}],"sentiment":"neutral","sentiment_score":0.071108971349895,"channel":0,"num_words":60,"start":1029.76,"end":1050.53},{"sentences":[{"text":"Yep.","start":1050.3301,"end":1050.8301,"sentiment":"neutral","sentiment_score":-0.018914807587862015}],"sentiment":"neutral","sentiment_score":-0.018914807587862015,"channel":1,"num_words":1,"start":1050.3301,"end":1050.8301},{"sentences":[{"text":"what, you know, features are there, which I will do obviously off the phone with you, we're looking at anywhere between sort of 3 and $500 a year for a million dollars worth of life 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costly,","start":1063.01,"end":1064.87,"sentiment":"neutral","sentiment_score":0.2568624496459961}],"sentiment":"neutral","sentiment_score":0.2541389260441065,"channel":0,"num_words":8,"start":1061.09,"end":1064.87},{"sentences":[{"text":"Yep.","start":1064.925,"end":1065.425,"sentiment":"neutral","sentiment_score":0.27525708079338074},{"text":"Yep.","start":1065.645,"end":1066.145,"sentiment":"neutral","sentiment_score":0.2418750524520874}],"sentiment":"neutral","sentiment_score":0.25856606662273407,"channel":1,"num_words":2,"start":1064.925,"end":1066.145},{"sentences":[{"text":"And that gives you five times the amount that you currently have in 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fromays Financial and an insurance company speak with customers about their savings, income, and health. They discuss retirement plans, health and lifestyle, asset management, and travel plans. The representatives explain benefits of life insurance, including coverage for illnesses and trauma, and offer to provide quotes and review coverage. They emphasize the importance of finding a suitable time for annual reviews and emphasize the need for finding a suitable time for calls."},"intents":{"segments":[{"text":"Well, before we jump into it, I do need to let you know our call is recorded. And if I could just get you to confirm security for me. It's just full name, date of birth, and address. Full name, Elise Jordan McQueen. Date of birth, 1990.","start_word":94,"end_word":140,"intents":[{"intent":"Provide security update","confidence_score":0.007412951}]},{"text":"Address, 4 Fireglow Vista Earth Guide. Would I have another address for you?","start_word":149,"end_word":161,"intents":[{"intent":"Update address","confidence_score":0.08221474}]},{"text":"I know that one of the goals that you were looking to achieve was to look at putting sort of, like, a million dollars in place.","start_word":301,"end_word":326,"intents":[{"intent":"Discuss insurance goals","confidence_score":0.2705025}]},{"text":"one of the things I definitely wanted to talk to you about today and just, a, make sure that everything's all kosher, see whether we were still wanting to look at that same benefit amount, And then, obviously, have a chat about where your super funds are and see whether there's anything else that you wanna do as well.","start_word":391,"end_word":449,"intents":[{"intent":"Discuss super funds update","confidence_score":0.00018381208}]},{"text":"And income wise, are we still sitting around that 60,000 a year? Yes. Perfect.","start_word":672,"end_word":685,"intents":[{"intent":"Analyze income levels and investments","confidence_score":3.3112232e-7}]},{"text":"They are in school at the moment, but they will be the second half of the year. Yep.","start_word":1011,"end_word":1028,"intents":[{"intent":"Integrate educational experiences","confidence_score":4.2571904e-7}]},{"text":"Probably a little bit more focused on Travel. the travel at the moment.","start_word":1446,"end_word":1458,"intents":[{"intent":"Scheduling travel plans","confidence_score":0.00015720498}]},{"text":"And then with regards to the insurance, yet. so twelve months ago, you had sort of wanted to look at Yep. about a million dollars worth of life cover because you wanted to make sure that Corey and the kids were protected if anything happened. You weren't Yep. interested in looking at total permanent disability, income protection, and trauma. Mhmm.","start_word":1545,"end_word":1604,"intents":[{"intent":"Discussing insurance plans","confidence_score":0.016931346}]},{"text":"interested in looking at total permanent disability, income protection, and trauma.","start_word":1593,"end_word":1603,"intents":[{"intent":"Discussing disability and income protection","confidence_score":0.002320558}]},{"text":"So it's up to 70% of your income, and it pays you each month that you're off work or unable to do your work your job because of an injury or illness, not because of travel or redundancy or loss of business or anything like that. Yep.","start_word":2058,"end_word":2104,"intents":[{"intent":"Discuss benefits and insurance","confidence_score":0.0007686912}]},{"text":"Well, what I'll do is I can actually do a quick quote up. I'll forget if, like, an indicative amount because that'll give us, like, a good idea as to what we're looking at when it comes to our premium. And then I can obviously go away and have a look at what provider we wanna go ahead with. Okay.","start_word":2363,"end_word":2422,"intents":[{"intent":"Provide quote","confidence_score":0.06896999}]},{"text":"So So would I be moving away from hub twenty four? me.","start_word":2424,"end_word":2435,"intents":[{"intent":"Move away from hub twenty four","confidence_score":0.15325451},{"intent":"Remove insurance policy from hub twenty four","confidence_score":0.13848978}]},{"text":"So with any new policy that I write, it can be with any insurer. So Tal is one out of sort of 20 different insurers. It's just what we could do at the time when we transferred the insurance. We didn't have a lot of flexibility at that time, but Okay.","start_word":2504,"end_word":2554,"intents":[{"intent":"Provide flexibility for new policy","confidence_score":0.049191006}]},{"text":"So we could just kind of get content. My god. Contact creator.","start_word":2610,"end_word":2621,"intents":[{"intent":"Obtain content","confidence_score":0.010399019}]},{"text":"So without looking at any of the features of the products or looking at you know, when it comes to life insurance, it's pretty standard across the board. But without sort of doing my homework too, too deep into Yep. what, you know, features are there, which I will do obviously off the phone with you, we're looking at anywhere between sort of 3 and $500 a year for a million dollars worth of life insurance. Okay.","start_word":2689,"end_word":2765,"intents":[{"intent":"Decide on price range","confidence_score":0.0001834009}]},{"text":"Because currently, you are paying about a $120 per year, and that's for the 200,000 worth of Okay.","start_word":2798,"end_word":2815,"intents":[{"intent":"Evaluate fund performance","confidence_score":5.0446687e-7}]},{"text":"sort of maybe do a little bit of a revision to the assets that you're holding.","start_word":3035,"end_word":3050,"intents":[{"intent":"Revisit holdings","confidence_score":0.040301237}]},{"text":"I think I have started making contributions because I've started doing, like, a casual cleaning job, and I'm I can pretty see sure that there they've are been. a couple of, yeah, there are a couple of contributions that they've popped Yeah. in.","start_word":3272,"end_word":3314,"intents":[{"intent":"Review contributions","confidence_score":0.028195469}]},{"text":"if I need, say, a week, would or a week and a half, would that be enough time to to be able to give you a callback?","start_word":3630,"end_word":3656,"intents":[{"intent":"Request callback","confidence_score":0.03272664}]}]},"sentiments":{"segments":[{"text":"Hello. Elise speaking. Hi, Elise. Larissa from O2 Financial. How are you going?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.15888403356075287},{"text":"I'm good.","start_word":13,"end_word":14,"sentiment":"positive","sentiment_score":0.471299946308136},{"text":"I'm so sorry. I'm at the beach, and I bloody forgot, didn't I?","start_word":15,"end_word":27,"sentiment":"neutral","sentiment_score":-0.06525546312332153},{"text":"I love that. That's a perfect day. I think it is. It's nice.","start_word":28,"end_word":40,"sentiment":"positive","sentiment_score":0.674845814704895},{"text":"Did you still wanna have a chat today, or do you wanna just enjoy your time at No. It's alright. I can yeah.","start_word":41,"end_word":63,"sentiment":"neutral","sentiment_score":0.15374767780303955},{"text":"I'm good to go I'm good to chat. She's like, I'm in the sun, the sand. I'm happy to chat. Yeah. I'm I'm more than happy to chat. Perfect.","start_word":64,"end_word":92,"sentiment":"positive","sentiment_score":0.465761661529541},{"text":"Alright. Well, before we jump into it, I do need to let you know our call is recorded. And if I could just get you to confirm security for me. It's just full name, date of birth, and address. Full name, Elise Jordan McQueen. Date of birth, 1990. And what was the second third one? Address. Address, 4 Fireglow Vista Earth Guide. Would I have another address for you? 8 Little Heath Meander Earth Guide? Yep. That's the one. I'm assuming we need to update them. No. That's okay. You can get that one. That's my brother's house. Alright. Perfect. Alright. So the purpose of today's call is to go through and give you an update on where everything's at at the moment. And then, Yep. additionally, just walk you on on whether there's any advice strategies that we need to look at. One of the major points that we had noted on file was the opportunity to be able to actually have a look at your insurances. So a couple years ago, we transferred your insurance over to your hub twenty four, Yep. which gave you the capacity to have the little bit of life and total permanent disability in your hub twenty four fund. But Yep. I know that one of the goals that you were looking to achieve was to look at putting sort of, like, a million dollars in place. So that way, you know, the families will cover it and and everyone's okay Yes. if anything does Yep. happen. Now it's been providing I guess, we haven't strayed a little bit since. It's been a couple of years since any last drug use. Yep. And so we can definitely look at undertaking some insurance now and and go from there.","start_word":93,"end_word":387,"sentiment":"neutral","sentiment_score":0.06870793083966789},{"text":"So that's Perfect.","start_word":388,"end_word":390,"sentiment":"positive","sentiment_score":0.6681228876113892},{"text":"one of the things I definitely wanted to talk to you about today and just, a, make sure that everything's all kosher, see whether we were still wanting to look at that same benefit amount, And then, obviously, have a chat about where your super funds are and see whether there's anything else that you wanna do as well. Okay. Yeah.","start_word":391,"end_word":451,"sentiment":"neutral","sentiment_score":0.3096146881580353},{"text":"Easy. Cool. Cool. There we are.","start_word":452,"end_word":457,"sentiment":"positive","sentiment_score":0.39645758271217346},{"text":"So I guess the probably the best place to start would be to make sure that everything we have on file is actually up to date because it's been twelve months since we updated everything. So just to confirm, I have you married, and I have two sweet little ones who would be somewhere around the four and five mark. Yes. That's right. Yep. Yep. A five year old at school or not yet Both next of year? them are at school. So good. Oh, That's why I'm at the beach. right. It's blip, really. I just I sent my last to school this year. So I've got one in high school, and my last is just going to off to to primary school. And Yeah. it's it's a feeling. Yeah.","start_word":458,"end_word":588,"sentiment":"neutral","sentiment_score":0.07757922261953354},{"text":"It's it's actually perfect.","start_word":589,"end_word":592,"sentiment":"positive","sentiment_score":0.5399162769317627},{"text":"Freedom. Yep. Feel that. I've got four daughter stuck in the middle, and she's like, I didn't have anything exciting happening this year.","start_word":593,"end_word":615,"sentiment":"neutral","sentiment_score":0.22339031100273132},{"text":"I was like, everything is perfect. Amazing.","start_word":616,"end_word":622,"sentiment":"positive","sentiment_score":0.5126491785049438},{"text":"Now with respect to occupation, I have you as a sole trader, so self employed. Yep. And you are, like, content creator, personal branding, Yep. affiliated marketing? Yeah. Yep. Perfect. And you've been doing that for sort of about three years or so? Yep. Three years now.","start_word":623,"end_word":669,"sentiment":"neutral","sentiment_score":0.08368359506130219},{"text":"Amazing.","start_word":670,"end_word":670,"sentiment":"positive","sentiment_score":0.48475533723831177},{"text":"And income wise, are we still sitting around that 60,000 a year? Yes.","start_word":671,"end_word":683,"sentiment":"neutral","sentiment_score":0.02347857691347599},{"text":"Perfect. Perfect.","start_word":684,"end_word":685,"sentiment":"positive","sentiment_score":0.5667011737823486},{"text":"And with regards to savings on your income, do you put anything major away in savings each sort of, like, week or month? Yeah. 500 a week.","start_word":686,"end_word":712,"sentiment":"neutral","sentiment_score":0.05867684632539749},{"text":"Perfect.","start_word":713,"end_word":713,"sentiment":"positive","sentiment_score":0.4217250347137451},{"text":"So are we sort of living mainly off Corey's income? Yes. Yeah.","start_word":714,"end_word":725,"sentiment":"neutral","sentiment_score":0.13836732506752014},{"text":"Amazing.","start_word":726,"end_word":726,"sentiment":"positive","sentiment_score":0.5726708769798279},{"text":"So his income is what sort of pays majority of the bills, Yep. and then you guys save with your income. Yep.","start_word":727,"end_word":748,"sentiment":"neutral","sentiment_score":0.2671367824077606},{"text":"Awesome.","start_word":749,"end_word":749,"sentiment":"positive","sentiment_score":0.5853747129440308},{"text":"Because sort of just on just just over a third of your income's kinda going towards savings. Yep. That's, like, number one priority, so that's how we can travel. Yeah. Before Perfect. we That eat, was gonna we be save. my no. I love it. That was gonna be my next question was, what is the goal with that money? Are we looking to, like, invest it? Are we looking to buy a property? Or, like, is it travel? What are we sort of looking at doing? Yeah. Travel still at this Yeah. point in time. Do we have do we have anywhere in mind that we're going next? We're going so we're in Western Australia at the moment. We're going to where is it? Birdsville. So I don't know. In the middle Yes. of Australia for July, and then Yeah. we're I going know over to the exactly East Coast where that is. for the end of, yeah, for the end of the year. So East Coast will be over there. Well, we're on the Gold Coast, so you can pop in and say hi. Yeah. Hey. Sweet.","start_word":750,"end_word":938,"sentiment":"neutral","sentiment_score":0.08957559615373611},{"text":"Perfect.","start_word":939,"end_word":939,"sentiment":"positive","sentiment_score":0.3393786549568176},{"text":"So we're gonna go for a nice, slow, straight shot through the middle. Yes. Yeah. We've got a there's a music festival there, and we're then we're gonna head up to Airlie, and then we got a wedding in Sydney in November November. So we'll be hanging Yep. around the East Coast for a while.","start_word":940,"end_word":994,"sentiment":"neutral","sentiment_score":0.13817960023880005},{"text":"Beautiful.","start_word":995,"end_word":995,"sentiment":"positive","sentiment_score":0.4149015545845032},{"text":"So I'm assuming the kids are homeschooled based on that. Not at the moment. They are in school at the moment, but they will be the second half of the year. Yep. Yeah. So transitioning to, like, a home school so that way you guys can continue to travel.","start_word":996,"end_word":1044,"sentiment":"neutral","sentiment_score":0.09705671348742076},{"text":"Yep. I love that. No. Perfect. And for now, it just means that you get to enjoy the the next six months or four days.","start_word":1045,"end_word":1069,"sentiment":"positive","sentiment_score":0.5332294702529907},{"text":"Yes.","start_word":1070,"end_word":1070,"sentiment":"neutral","sentiment_score":0.28135842084884644},{"text":"Get I some get time to relax.","start_word":1071,"end_word":1077,"sentiment":"positive","sentiment_score":0.35643789172172546},{"text":"on your head. Yep. Perfect. Now with with assets, has there been any major changes to your assets? Because I have, like, the caravan, about 80,000, the car with 40, and then Mhmm. you have one third ownership in investment property? Yeah. That's still all the same. Nothing's changed there. Yep. Do you know what the investment property value is? I have about 40,000, like, value with about 160 owing. Yeah. I'd probably say, I don't know, the same. I would just keep it the same. Yeah. That's okay. Are there any other assets? Like, what what kind of savings do we have in the bank account? At the moment? Yeah. 5. Thousand? 5 g. Yep.","start_word":1078,"end_word":1193,"sentiment":"neutral","sentiment_score":0.002383394865319133},{"text":"Perfect.","start_word":1194,"end_word":1194,"sentiment":"positive","sentiment_score":0.33431828022003174},{"text":"Amazing. And we don't have any credit cards or anything like that? No. Nope. Excellent. Okay. Not And there hasn't been any, like, change to your health, well-being, weight gain, weight loss? everything's Any the same. yeah. We're not taking on any medications, haven't picked up smoking, something like that? No. Perfect. Alright. Well, everything's looking pretty crushes there then. I think the only question I probably really wanna ask you is do you have private health insurance? Just the tax implications. We Because don't. private health, obviously No. I have been looking into it, but, yeah, that's as far as I've gotten. So we don't have it. No. I know. It's it's an endeavor in and of itself to undertake any kind of insurance. Yeah.","start_word":1195,"end_word":1320,"sentiment":"neutral","sentiment_score":-0.11368880420923232},{"text":"Being an adult and all these adult things, it's it's annoying. He's not fair.","start_word":1321,"end_word":1334,"sentiment":"negative","sentiment_score":-0.4423466920852661},{"text":"I know. I've the amount of times I've I have three kids. The amount of times I've, you know, popped over to mom's, you know, on a weekend and just sat there and gone, can I have a coffee? Can you make it? Just so that way someone's made me something for the week. Yeah. Yeah.","start_word":1335,"end_word":1390,"sentiment":"neutral","sentiment_score":0.026125320366450717},{"text":"Absolutely. Awesome. So everything's looking pretty much the same.","start_word":1391,"end_word":1399,"sentiment":"positive","sentiment_score":0.420345664024353},{"text":"In terms of goals, I had that you guys were looking to possibly purchase a property within the next few years, but things Yep. would have fallen on that front. Is that still Yep. something you guys are aiming Yeah. towards? Maybe Just 2027, 2028. Yeah. Probably a little bit more focused on Travel. the travel at the moment. Yep. Yeah.","start_word":1400,"end_word":1460,"sentiment":"neutral","sentiment_score":0.04360778257250786},{"text":"Amazing.","start_word":1461,"end_word":1461,"sentiment":"positive","sentiment_score":0.4746190309524536},{"text":"And have you sort of talked to a broker about what that looks like for you? Like, what you'd have to have No. as a way in savings? No. Not yet. Sometimes. I don't know. When we think about it, we look into it, then we travel and we stop looking into it. Yeah. It'll be in Yeah. a cup And be you're a couple like years. yeah. Haven't quite figured out where to set down roots Yeah. yet. No. Not That's perfect. And then with regards to the insurance, yet. so twelve months ago, you had sort of wanted to look at Yep. about a million dollars worth of life cover because you wanted to make sure that Corey and the kids were protected if anything happened. You weren't Yep. interested in looking at total permanent disability, income protection, and trauma. Mhmm. Now I wanna go through them because, obviously, twelve months is a long period of Mhmm. time, and I wanna make sure that, a, they've been explained to you and you understand what each of those benefits do. And at the end of it, if you're still Mhmm. wanting to proceed with just, like, a life insurance, like, direction, we can definitely do that. So life insurance, exactly as it sounds, covers you if you were to pass away, so loss of life. It does also cover you under the condition of terminal illness. Mhmm. Mhmm. It is a lump sum benefit that's paid directly to your estate or to the person you nominate as a beneficiary. So for example, it could go a 100% to Corey. If you nominate the children because they're so young, it would it would end up in Corey's hands anyway just through more paperwork Mhmm. Yep. because he's ultimately the guardian of the kids. Yep. With total permanent disability, what it does is it it's a lump sum benefit that's payable depending on who the owner of the policy is. If it's owned by a super fund, it's paid to the super fund, and it can therefore be paid either as a lump sum or as an income stream from the super fund. If it's owned by you, then it's paid as a lump sum to you. Mhmm. And the whole point of total current disability is that in the in the event that you were never able to work again, the benefit is payable.","start_word":1462,"end_word":1865,"sentiment":"neutral","sentiment_score":0.016897945150751437},{"text":"Now with your occupation, you would have to be quite severely impaired or impacted by an illness or an injury to prevent you from working.","start_word":1866,"end_word":1890,"sentiment":"negative","sentiment_score":-0.42887580394744873},{"text":"Because your Yep. work and forgive me if I am very wrong, but your work is quite flexible in Yes. the Very way that personal. providing you can you can work a computer and you have the capacity to talk, take photos, Yep. and, you know, work a mouse, you still have flexibility with your job. Yeah. Mhmm. Yes.","start_word":1891,"end_word":1949,"sentiment":"neutral","sentiment_score":0.17051135003566742},{"text":"So you would have to be quite quite impacted probably to the point of being unable to do two of the five activities of daily living, which are talking, bathing, toileting, dressing, and feeding yourself.","start_word":1950,"end_word":1984,"sentiment":"negative","sentiment_score":-0.343791127204895},{"text":"Yep.","start_word":1985,"end_word":1985,"sentiment":"neutral","sentiment_score":-0.21415916085243225},{"text":"So unable to do two of those things. We can still definitely get total insurance if it's something you wanna look at, but it it's gonna be a bit of a harder claim because of your occupation.","start_word":1986,"end_word":2022,"sentiment":"negative","sentiment_score":-0.38513532280921936},{"text":"Now the other two benefits are income protection. So income protection covers you if you're ill, injured, and unable to do your job, Mhmm. Mhmm. and it covers you for a monthly income amount. So it's up to 70% of your income, and it pays you each month that you're off work or unable to do your work your job because of an injury or illness, not because of travel or redundancy or loss of business or anything like that. Yep. And then the last benefit is trauma. So out of the three benefits that I've just spoken about, life, total, and income income protection, those benefits can be paid either personally or by your super fund. Trauma is the only benefit out of the four that has to be paid personally. Now trauma Mhmm. covers the the diagnosis of the medical majors. So it's heart attack, cancer, stroke, and then your neurological conditions such as muscular dystrophy, Huntington's, Parkinson's, diabetes, stuff like that. So it's actually a lump sum payment that's given upon the diagnosis of to the point where I had a client call up. She said she said I just got informed yesterday that I have stage two cancer, and within a week, she had $300,000 from her policy paid out to her. Mhmm. So it's quite a quick turnaround for that that that kind of benefit to be paid out. Now with all four of those benefits being explained, what would you like to actually approach in terms of looking at insurance? First one? The the life one? No. The first one, I think. Life. Was it life Yeah. insurance? Life? Yeah. Yeah. 100%. So Yep. we can just look at life insurance, and and we can see, I guess, where that where that lands. Are you still wanting to look at sort of the million dollars? Because that would Yeah. ultimately pretty much put put the family in the position of having a fully paid for house, really. Yep. Yep. Yep.","start_word":2023,"end_word":2358,"sentiment":"neutral","sentiment_score":-0.025360113386774345},{"text":"Perfect. Yeah. Cool.","start_word":2359,"end_word":2361,"sentiment":"positive","sentiment_score":0.47838497161865234},{"text":"Alright. Well, what I'll do is I can actually do a quick quote up. I'll forget if, like, an indicative amount because that'll give us, like, a good idea as to what we're looking at when it comes to our premium. And then I can obviously go away and have a look at what provider we wanna go ahead with. Okay. So So would I be moving away from hub twenty four? me. Still your your superannuation provider. It's just the insurance. So, currently, Okay. your insurance is your insurance is actually with Cal. It's just a it's a look. It's what? Your insurance policy is what is referred to as a platform policy, which means that the policy is embedded in Hub twenty four. What I wanna do is I wanna remove that from Hub twenty four and give you flexibility. So with any new policy that I write, it can be with any insurer. So Tal is one out of sort of 20 different insurers. It's just what we could do at the time when we transferred the insurance. We didn't have a lot of flexibility at that time, but Okay. now Yep. we have a little bit more flexibility that we could write with anyone. And with your occupation, Hal's probably not the best insurer. And also, their their terminal illness clause is twelve months, and four months. So they just have a little bit less flexibility when it comes to their their policies. Yep. So we could just kind of get content. My god. Contact creator. Probably marketing. Let's go with marketing. Yeah, ma'am. Yeah. There we go. So, yeah, it just it gives us a little bit more flexibility when it comes to actually getting getting insurance writing a specific benefit amount. You know? Because currently, you only have $200,000. Yep. Whereas we could get like, we we could go for a lot more, which should be good for you. Yeah. Cool. So without looking at any of the features of the products or looking at you know, when it comes to life insurance, it's pretty standard across the board. But without sort of doing my homework too, too deep into Yep. what, you know, features are there, which I will do obviously off the phone with you, we're looking at anywhere between sort of 3 and $500 a year for a million dollars worth of life insurance. Okay. So pretty low. Nothing too too crazy costly, Yep. Yep. And that gives you five times the amount that you currently have in insurance, Yes.","start_word":2362,"end_word":2790,"sentiment":"neutral","sentiment_score":0.0252807144692172},{"text":"which Perfect. will be good.","start_word":2791,"end_word":2795,"sentiment":"positive","sentiment_score":0.5749924182891846},{"text":"Yep. Because currently, you are paying about a $120 per year, and that's for the 200,000 worth of Okay. death cover or the life cover and then the Yep. 200,000 worth of PPD. So what I'll do is I'll obviously have a look at all the different insurers to make sure that I'm picking the right product for you, Mhmm. and we can go from there. But was there any, I guess, other advice or areas that you wanted to look at aside from, like, the insurance as a as a major point? No. That's all. That's all I really wanted. Just make sure my family's coming. Yeah. Okay. Well, while I'm looking at the insurance, what I'll do is I can also have a look at some of the investment products that we have on your 24 funds just to make sure that they are invested right. Because, obviously, the market does move and change. And over the last twelve months, we've definitely gone through it. Mhmm. So I wanna make sure that everything's sitting right there.","start_word":2796,"end_word":2973,"sentiment":"neutral","sentiment_score":0.05762615739210938},{"text":"I can definitely see that you've got, like, you've got gold assets in the fund, which is fantastic.","start_word":2974,"end_word":2991,"sentiment":"positive","sentiment_score":0.3407697081565857},{"text":"Gold's been Australian Equities Fund, which hasn't gone very well. So I definitely wanna look at pulling out of that a bit. And then the other assets that you have are sitting pretty okay, to be completely honest. So I just wanna Sweet. sort of maybe do a little bit of a revision to the assets that you're holding. Nothing too too crazy because you've got a good spread. Like, you've got Yep. some gold assets, like I said. You've got India. You've got some cybersecurity hold there. You've got health assets.","start_word":2992,"end_word":3083,"sentiment":"neutral","sentiment_score":0.13501739501953125},{"text":"You've got, you know, your international and your national shares as well, which is really, really good. Like, you've got good diversity across sectors.","start_word":3084,"end_word":3107,"sentiment":"positive","sentiment_score":0.3656744658946991},{"text":"But we still wanna make sure that we're, you know, refreshing the the holdings as the market Yep. moves. Okay. And that Benelon fund just hasn't quite pulled its weight the way we would want it to.","start_word":3108,"end_word":3144,"sentiment":"neutral","sentiment_score":0.032498471438884735},{"text":"So definitely kicking that one to the curb and and pulling Awesome. something up and put it to place would be really good.","start_word":3145,"end_word":3167,"sentiment":"positive","sentiment_score":0.6850335597991943},{"text":"So what I can do is I can just kinda have a look, tear those those bill a little bit apart and and get something a little bit more maybe cost effective, a little bit better performance history as well Okay.","start_word":3168,"end_word":3208,"sentiment":"neutral","sentiment_score":0.29437026381492615},{"text":"put into the Awesome. fund to get that moving for you.","start_word":3209,"end_word":3219,"sentiment":"positive","sentiment_score":0.4115395247936249},{"text":"Yep. Other than that, I know that couple twelve months ago, we weren't really looking at putting sort of contributions in until we looked at the insurance. Yep. If I was to recommend that we did start making some contributions to the fund, how Yep. comfortable would you be on that front? I think I have started making contributions because I've started doing, like, a casual cleaning job, and I'm I can pretty see sure that there they've are been. a couple of, yeah, there are a couple of contributions that they've popped Yeah. in. Yeah. They popped in one one in May and then one in January. So May last One year in and then May. January this year. Oh, May and then January. January this year? Yes. Yeah. January Oh, this year. yeah. Sorry. Okay. January. Yeah. Okay. Cool. Yeah. So I'm gonna start back casually next week. So they put it in for me. Okay. Perfect. Did you wanna make any contributions from the business, or are you trying to focus that cash flow mainly on the travel costs? Yeah. That yeah. My business goes into travel, but yeah. And then I'll use this casual gig for putting into my super. Yeah. Okay.","start_word":3220,"end_word":3425,"sentiment":"neutral","sentiment_score":0.07370560616254807},{"text":"Perfect. That's absolutely fine.","start_word":3426,"end_word":3429,"sentiment":"positive","sentiment_score":0.3754405081272125},{"text":"Alright. Well, do you know how much you're gonna be earning roughly from the cleaning job? Casual. Yeah. Like, $2.50 a week, 500 for now. Yeah. Perfect. No. That's okay. Cool. Just look down. So that's 500 per fortnight. And I'll do the math on what that looks like contributions wise just so that way when I draw up the advice documents, I can consider that as contributions and how that's gonna affect the funds and the investments and everything else. Okay? Cool.","start_word":3430,"end_word":3512,"sentiment":"neutral","sentiment_score":0.12946665287017822},{"text":"Awesome. Thanks so much. Perfect.","start_word":3513,"end_word":3517,"sentiment":"positive","sentiment_score":0.7899779081344604},{"text":"No. That's okay. What I'll do is I will email you a bit of a a annual pack. Yep. We draw those up, and it just gives you, like, a bit of a statement on where everything's sitting right now, a rundown on your superannuation fund, and it also sends you our ongoing service agreement. So that's so we can continue providing advice to you. So Yep. as as we do, we charge 1.65% of your superannuation fund balance, Yep. And all that does is that enables me to go away and put the advice together, refresh the assets, get the insurance all investigated, and go Perfect. from there. Now Love that. if I need, say, a week, would or a week and a half, would that be enough time to to be able to give you a callback? Is there a specific day that does generally suit you that we can Yeah. go through that advice? Wednesdays are good for me. After Yeah. from ten to eleven, I'm on a call. So after hang on one second because I've got a couple of bookings. Hang on one sec. No. You're okay. So I would probably be looking at Wednesday the fourth, if that's okay. Yep. That's fine. Yep. What time suits you? Okay. When okay. The fourth. So I just gotta write this down. No. March. You're okay. What I'm gonna do is I'll I'll send Let's you a go calendar invite as well. 11:30. So is that the same time you called me today, but I just didn't answer? Yeah. That's the same time. 11:30. That's Perfect. good. So 11:30 your time. It's 01:30 my time. I will send you a calendar invite. It's in there for an hour and a half, but don't fret. We'll probably be on the phone for maybe forty minutes. But it's just that that way, we can both look at our calendars and enjoy the rest of our time. Yep.","start_word":3518,"end_word":3845,"sentiment":"neutral","sentiment_score":0.12663990259170532},{"text":"Perfect. Have so much. So I'll send that to you, and I'll get all the advice drawn up, and we can we can go through from there.","start_word":3846,"end_word":3872,"sentiment":"positive","sentiment_score":0.49908289313316345},{"text":"Okay?","start_word":3873,"end_word":3873,"sentiment":"neutral","sentiment_score":0.2940365672111511},{"text":"Awesome. Thanks so much.","start_word":3874,"end_word":3877,"sentiment":"positive","sentiment_score":0.8162583112716675},{"text":"No.","start_word":3878,"end_word":3878,"sentiment":"neutral","sentiment_score":0.2163403034210205},{"text":"Thanks so much. Go and enjoy the rest of your time at the beach. I will I will go for it soon. Thank you. Have a good day.","start_word":3879,"end_word":3906,"sentiment":"positive","sentiment_score":0.612886905670166},{"text":"Bye. You Bye. too. Bye.","start_word":3907,"end_word":3911,"sentiment":"neutral","sentiment_score":0.18749630451202393}],"average":{"sentiment":"neutral","sentiment_score":0.08089888518737492}}}}